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Resona Holdings Inc
XMUN:DW1

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Resona Holdings Inc
XMUN:DW1
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Price: 11.2 EUR -2.61%
Market Cap: €16.7B

Resona Holdings Inc
Investor Relations

Resona Holdings is a Japanese banking group that owns and runs banks serving households, small businesses, and mid-sized companies. Through its main banking units, it takes deposits, makes loans, processes payments, and offers everyday banking services such as savings accounts, mortgages, business lending, and cash management. It also sells fee-based financial products and services like asset management, trust banking, and advisory services for retirement, inheritance, and corporate finance needs. Its customers are mainly retail clients, local businesses, and regional companies that want a full-service bank with branch access and long-term relationship banking. Resona makes money the way a classic bank does: it earns interest on loans and other assets, and it collects fees for account services, trust work, investment products, and corporate banking support. What makes it distinct is its focus on domestic retail and regional business banking in Japan, where relationships, local presence, and a mix of ordinary banking plus trust services are central to the business model.

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Last Earnings Call
Fiscal Period
Q2 2026
Call Date
Nov 11, 2025
AI Summary
Q2 2026

Record Profit: Resona Group expects to achieve record profit for the fifth consecutive year, aiming for net profit of JPY 240 billion.

Strong First Half: Core net operating profit reached JPY 171.8 billion, up 31.9% year-on-year, with net income of JPY 142.8 billion, up 25%.

Rising Net Interest Income: Net interest income is increasing due to a more favorable interest rate environment and continued loan growth.

Fee Income Strength: Fee income remains strong, with recurring and stock-type income expanding steadily.

Structural Reforms: Completion of Minato Bank's integration has laid the foundation for further efficiency gains and digital modernization, including Generative AI adoption.

Shareholder Returns: Dividend was raised to JPY 29 and share buybacks expanded to up to JPY 65 billion, with a total payout ratio of 54.6% of net profit guidance.

ROE Improvement: ROE increased to 10.2%, up 1.9 percentage points year-on-year, moving closer to the 10% benchmark.

Key Financials
Core Net Operating Profit
JPY 171.8 billion
Net Income Attributable to Owners of Parent
JPY 142.8 billion
Return on Equity (ROE)
10.2%
Loan-to-Deposit and Securities-to-Deposit Ratio
Around 90%
Return on Assets (ROA)
0.37%
Deposit Balance
Over JPY 62 trillion
Deposit Yield
17 basis points
Corporate Clients (main bank relationships)
69,000
Housing Loan Customers
760,000
Housing Loan Outstanding
Over JPY 14 trillion
Debit Cards Issued
3.35 million
New Housing Loan Originations
JPY 660 billion
Number of Users (investment trust, fund wrap, insurance)
Over 1 million
App Downloads
Over 12 million
Companies Using Digital Platforms
9 financial groups, 10 banks
Debit Card Income (current annual)
JPY 7.6 billion
Digital Garage Equity Stake
30.9%
Number of Employees (reduction over 3 years)
Reduced by 3,400
Overhead Ratio (OHR)
57%
Dividend Forecast
JPY 29
Share Buyback Program (current year)
Up to JPY 65 billion
Total Payout Ratio
54.6%
Dividend on Equity (DOE)
2.1% last year
Policy-Oriented Stock Holdings (reduction interim period)
JPY 11.1 billion (acquisition cost basis)
Policy-Oriented Stock Holdings (cumulative reduction since plan start)
JPY 45.6 billion
Other Earnings Calls
2026
2020

Management

Mr. Masahiro Minami
Group CEO, President, Representative Executive Officer & Director
No Bio Available
Mr. Narunobu Ota
Group CFO, Executive Officer and In Charge of Finance & Accounting Division
No Bio Available
Mr. Jozi Morikagi
Chief Manager of International Division
No Bio Available
Yukinobu Murao
Group CRO & CCO, Executive Officer and In Charge of Risk Compliance Management Department
No Bio Available
Kunio Matsui
Executive Officer & In charge of Corporate Communications Department
No Bio Available
Hideo Sekiguchi
Group CHRO, Executive Officer & In Charge of Human Resources Div. and Corp. Governance Secretariat
No Bio Available
Mr. Satoshi Fukuoka
Executive Officer
No Bio Available
Mr. Mikio Noguchi
Group CIO, Group CPRO, Executive Officer & Director
No Bio Available
Mr. Shigeki Ishida
Group CSO, Deputy President, Executive Officer & Director
No Bio Available

Contacts

Address
TOKYO-TO
Koto-ku
Fukagawa Gatharia W2 Bldg., 1-5-65, Kiba
Contacts
+81367043111.0
www.resona-gr.co.jp
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