Based on the framework of four fields in knowledge creation, three government financialinstitutions have been investigated.At the Development Assistance Fund of Viet Nam, only exercising field has been developed.Knowledge utilization is limited to the realm of explicit knowledge.At the Development and Infrastructure Bank of Malaysia, merely systemizing field andexercising field have been developed. Knowledge utilization is also limited to the realm of explicitknowledge.At the Development Bank of Japan, originating field and dialoguing field, as well assystemizing field and exercising field, have been developed. Both explicit knowledge and implicitknowledge are utilized for knowledge creation.There are two types of collective learning loop. Shallow loop ends only within explicitknowledge. Deep loop circulates into implicit knowledge, too. Utilization of implicit knowledge makessuch difference.Collective learning, based on the utilization of organizational knowledge, helps forecastchanges in circumstances, thereby enabling agile actions toward self-transformation.