In September 2025, Daiwa Securities Co., Ltd. entered into an agreement with Sakana AI, Inc. to establish a long-term strategic technology partnership.
Placing customer satisfaction at the core of our approach, the Daiwa Securities Group has been an early mover in shifting toward a wealth management business model that takes a holistic view of customers' total assets. By combining our wealth management expertise with Sakana AI's innovative AI technology, we will accelerate discontinuous value creation through digital innovation.
Under the partnership agreement, we are jointly developing a Daiwa-Securities-exclusive platform that leverages AI models proprietarily developed by Sakana AI. The platform comprehensively covers both financial and non-financial assets, specializing in portfolio proposals informed by customer profiles and market assumptions.

Japan's new NISA system (2024) accelerated the shift from savings to investment. As more customers take an interest in building assets, inquiries have been rising. In response, we launched the "AI Operator Service".
Since its launch, the service has seen strong uptake and a high rate of repeat use. The AI handles questions on market trends and account procedures, playing an important role among all the inquiries at our contact centers.
We have been progressively expanding its functionality: from March 2025, the AI operator began handling inquiries 24 hours a day, 365 days a year; in October 2025, we added functions to handle procedures such as address changes, NISA account openings and automated document dispatch.

We have launched the "Daiwa Securities Generative AI Chat," which responds to customer questions based on the FAQs on the Daiwa Securities website. This new AI chat service handles a wide range of customer questions, using charts and links to relevant manuals to give clearer, more detailed answers backed by a richer dataset. It auto-suggests related questions for more efficient self-service. As of April 2026, the average resolution rate stands at 87%.
We also offer the "DAIWA LIFEPLAN Generative AI Chat" for users of our workplace-services platform, covering employee stock ownership procedures and general life planning guidance.
Alongside our AI operator service, these chat tools further elevate the quality of customer support.

To meet the diverse asset-building needs of individual customers, we launched D-Port in April 2025. This app supports asset management and investment. D-Port offers a seamless platform for accessing services from across our Group companies and partners regardless of whether the user holds a Daiwa Securities account.
Through a passwordless login using biometric authentication and AI-driven proposals, D-Port provides a smooth, personalized experience.
We continue strengthening our partnerships and enhancing asset management features. Through regular updates based on customer feedback, we aim to offer more personal, practical tools – such as expansion of linked asset options and household budgeting features.

In June 2025, we signed a multi-year strategic agreement with Microsoft Japan to boost employee productivity and greatly enhance the value we offer customers through AI agents. We aim to lead the use of AI as a pioneer in Japan’s financial sector and deliver higher-value services.
"Microsoft 365 Copilot" has been deployed firm-wide and as of March 2026, 93% of license-holders have adopted Copilot in their work.
Ahead of full-scale adoption of AI agents, we are building an advanced and trustworthy digital Infrastructure. By running future AI agents on this shared foundation, we aim to enable cross-organizational use of internal data, coordination between agents, and unified security and governance.

Daiwa Asset Management Co., Ltd. ("Daiwa AM") and LegalOn Technologies, Inc. have jointly developed "DocumentOn", a document-review AI system in operation since October 2025.
"DocumentOn" uses AI to flag definitive claims, solicitation language, and whether required disclosures are present, enhancing both the accuracy and efficiency of ad screening while building institutional compliance knowledge.
As the second phase of this joint development, the Insider Information Detection AI System was launched in April 2026. This system analyzes recorded calls between analysts and listed companies, using AI to flag information potentially qualifying as "material facts" under Japan's Financial Instruments and Exchange Act (Art. 166(2)).
Through these two AI systems, Daiwa AM augments—rather than replaces—human expert judgment, strengthening its compliance framework and ensuring the fairness and reliability of financial capital markets.