If you could make changes, how would you improve the culture at MUFG Union Bank?

There is too much process driven by Tokyo management and fear of further regulatory penalties. The IT group was badly restructured and has driven expenses higher without fixing fundamental issues. The retail group has a pathological management culture focused on self preservation despite years of poor performance. Loyalty and fealty is rewarded over clarity and accomplishments and is achieved through nepotism, ageist re-organisations, and only hiring loyalists. Yet, there are heroes who are still trying to overcome these difficult issues.