Resona Holdings, Inc. · TSE:8308
Resona — FY2025 Earnings Presentation
53 slides from Resona's earnings presentation, May 19, 2026
Slide 1: FY2025 Investor Relations Meeting Reference Materials
FY2025 Investor Relations Meeting Reference Materials May 19, 2026
Slide 2: Contents
Contents Financial Highlights for FY2025 ・・・・・・・・・・・・・ p.2 Materiality KPIs ・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ p.23 Outline of Resona Group and Other Data ・・・・・・・・ p.27 1
Slide 3: Financial Highlights for FY2025
Financial Highlights for FY2025 ・・・・・・・・・・・・・ p.2 Materiality KPIs ・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ p.23 Outline of Resona Group and Other Data ・・・・・・・・ p.27 2
Slide 4: Financial Highlights of FY2025 and Outlook for FY2026 (1)
Financial Highlights of FY2025 and Outlook for FY2026 (1) Core net operating profit Net income attributable (excluding net gains on ROE cancellation of investment trusts)*1 to owners of parent FY2025 JPY334.2 bn JPY258.7 bn 9.2% Act. [+JPY45.6 bn, YoY] [+JPY45.3 bn, YoY] [+1.4%, YoY] FY2026 JPY415.0
Slide 5: Formulation of FY2026 Targets Based on FY2025 Results
Formulation of FY2026 Targets Based on FY2025 Results HD (YoY Change in Net Income) Consolidated (JPY bn, Some target-related figures are approximate) Fee Fee incomeOperating income +2.5 expenses +1.5 Operating Other items, (21.6) expenses 10.0% net Other NII (34.0) +14.0 items, Net income net +70.0
Slide 6: Financial Highlights of FY2025 and Outlook for FY2026 (2)
Financial Highlights of FY2025 and Outlook for FY2026 (2) Growth in core businesses NII from domestic loans and deposits*1: JPY407.7 bn (+JPY57.8 bn, YoY) The balance and rate of loans were more robust than planned. The volume of new residential housing loan origination was up approx. 20% year o
Slide 7: Financial Highlights of FY2025 and Outlook for FY2026 (3)
Financial Highlights of FY2025 and Outlook for FY2026 (3) Creating next-generation growth drivers Structural reforms of management platforms Functions Base Improvement in the OHR*1 exceeded our FY2025 target Strengthening our solution lineup Creating new customer contact points Remained focused
Slide 8: Outline of Financial Results for FY2025
HD Outline of Financial Results for FY2025 Consolidated YoY change FY2025 Net income attributable to owners of parent: JPY258.7 bn (JPY bn) Rate of change Up JPY45.3 bn, or +21.2%, YoY (a) (b) (c) Up JPY8.7 bn (+3.4%) against full-year target (JPY250.0 bn, Net income attributable to owners of
Slide 9: Breakdown of Financial Results for FY2025
HD Consolidated Breakdown of Financial Results for FY2025 Total of Group Banks Resona Holdings Total of group banks Difference (Consolidated) (JPY bn) RB SR KMB MB YoY YoY YoY YoY YoY YoY (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (a)-(c) Gross operating profit (1) 808.8 +117.2 743.8 +121.3 450
Slide 10: Factors for the Changes in Net Income Attributable to Owners of Parent
Factors for the Changes HD in Net Income Attributable to Owners of Parent (YoY Change) Consolidated Actual net operating profit +50.3 Core net operating profit (excluding net gains on cancellation of investment trusts) +45.6 (JPY bn) Gross operating profit +117.2 Other GOP, Fee income net +2.5 +3.0
Slide 11: Trend of Loans and Deposits (Domestic Account)
Total of Trend of Loans and Deposits (Domestic Account) Group Banks Average loan / deposit balance, rates and spread Average loan balance FY25 (YoY): Avg. loan balance +4.76%, loan rate +27bps JPY tn, % represents YoY change FY26 (Target): Avg. loan balance +3.82%, loan rate +20bps (1) Other (2) C
Slide 12: Term-End Balance of Loans and Deposits
Total of Term-End Balance of Loans and Deposits Group Banks Term-end loan balance Term-end deposit balance JPY tn, % represents YoY change JPY tn, % represents YoY change (1) Corporate (Large companies and other) Of which, excluding (2) Corporate (SMEs) loans to the Japanese gov. and others (1) Othe
Slide 13: Housing Loan Business
Total of Housing Loan Business Group Banks Composition of newly originated residential New housing loan origination housing loans by interest rate type JPY tn, % represents YoY change (1) Fixed rate (2) Variable rate 3% 1% 2% 4% 7% 8% 3% 3% 4% 7% 3% 1% 0% 17% 12% 11% 4% (1) Apartment loans (1) 42% 4
Slide 14: Fee Income
HD Fee Income Consolidated Progress rate against the full-year target (JPY230.0 bn): 100.2%, record-high profits for the fifth consecutive year Settlement related: Up JPY3.2 bn, YoY, AUM: Up JPY2.3 bn, YoY [Target] JPY bn, % represents YoY change 232.0 +0.6% 230.5 227.9 +1.1% (1) AUM ・Insurance
Slide 15: Major Fee Businesses (1) (AUM)
HD Major Fee Businesses (1) (AUM) Consolidated AUM income Balance of asset formation support products sold to individuals (1) Insurance (1) Foreign currency deposits, Public bonds, etc. (2) Investment trust (sales commission) (2) Insurance (3) Investment trust (trust fees) (3) Fund wrap *1 *2 (4) Fu
Slide 16: Major Fee Businesses (2) (Succession, Corporate Solution, Pension Trust)
HD Major Fee Businesses (2) (Succession, Corporate Solution, Pension Trust) Consolidated Succession related income Corporate solutions business income (1) Asset and business succession related trust (1) Private placement bonds (2) Commitment line, Syndicated loans, Covenants (2) M&A *1 FY2023 FY2024
Slide 17: Credit Costs and NPL
HD Consolidated Credit Costs and NPL Total of Group Banks 英語 costs Credit NPL balance and ratio (Total of group banks) FY2023 FY2024 (Financial Reconstruction Act criteria) FY2025 FY2026 (JPY bn) Plan (1) Unrecoverable or valueless claims (a) (b) (c) (d) (2) Risk claims (3) Special attention loans H
Slide 18: Securities Portfolio
Total of Securities Portfolio Group Banks Balance of available-for-sale securities*1 Net unrealized gains of available-for-sale securities 2024/3 2025/3 2026/3 （JPY bn） 5,075.9 (JPY bn, before hedging) (a) (b) (c) 194.4 Available-for-sale 4,543.2 securities (1) 663.3 476.0 554.9 227.0 Stocks (2) 768
Slide 19: Capital Adequacy Ratio
HD Capital Adequacy Ratio Consolidated Capital adequacy ratio Main factors for changes in CET1 ratio in FY2025 [International standard, the full enforcement 2026/3 YoY (excluding net unrealized gains on available-for-sale securities)] CET1 ratio (International std.) Full Dividends, (Excluding net un
Slide 20: Earnings Targets for FY2026
HD Consolidated Earnings Targets for FY2026 Total of Group Banks HD consolidated DPS (JPY bn) Full-year YoY YoY DPS change change Net income attributable to owners of parent (1) 310.0 +51.3 Full-year dividend (forecast) (3) 37.0 yen +8.0 yen Core net operating profit Interim dividend (4) 18.5 yen +4
Slide 21: Rationale for FY2026 Earnings Targets
HD Rationale for FY2026 Earnings Targets (YoY change) Consolidated (JPY bn, Changes are approximate figures) Other GOP, Operating net expenses Fee income +25.0 (34.0) Other +1.5 items, Net gains Other NII Settlement net on bonds +18.0 +2.5 (including futures) Personnel (11.0) +51.3, Succession +28.0
Slide 22: Outline of Financial Results of Each Segment
HD Outline of Financial Results of Each Segment Consolidated 英語 YoY Markets (JPY bn) FY2025 Change (JPY bn) and Other Corporate (4.1) Gross operating profit (1) 896.0 +81.9 +17.0 Customer Operating expenses (2) (463.7) (19.9) divisions Personal Actual Actual net operating profit (3) 432.3 +61.8 +44.
Slide 23: Outline of Financial Results of Customer Divisions
HD Outline of Financial Results of Customer Divisions Consolidated Personal banking segment Corporate banking segment Actual net operating profit: Up JPY44.7 bn, YoY Actual net operating profit: Up JPY17.0 bn, YoY (JPY bn) Gross operating profit +54.3 (JPY bn) Gross operating profit +27.5 Real e
Slide 24: Materiality KPIs
Financial Highlights for FY2025 ・・・・・・・・・・・・・ p.2 Materiality KPIs ・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ p.23 Outline of Resona Group and Other Data ・・・・・・・・ p.27 23
Slide 25: Materiality KPIs (1)
Materiality KPIs (1) The Future Society We Hope to Realize Materiality Materiality KPIs Redefined our conventional “Long-Term Sustainability Indicators” through the addition of KPIs relevant to certain business fields to better secure For a Brighter Future sustainable improvements in social and co
Slide 26: Materiality KPIs (2)
Materiality KPIs (2) The Future Society We Hope to Realize Materiality Materiality KPIs Redefined our conventional “Long-Term Sustainability Indicators” through Two in-house issues the addition of KPIs relevant to certain business fields to better secure the Company needs to sustainable improvemen
Slide 27: Six Drivers for Realizing Human Resource Strategy
HD + Six Drivers for Realizing Human Resource Strategy 4 Group Banks FY2030 Drivers Non-financial targets FY2025 ⇒ (Target) Ratio of women line managers 36.3% ⇒ 40% or more [1] Leadership Ratio of mid-career employees to the overall number 14.4% ⇒ 18% of managers Ratio of mid-career employees
Slide 28: Outline of Resona Group and Other Data
Financial Highlights for FY2025 ・・・・・・・・・・・・・ p.2 Materiality KPIs ・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ p.23 Outline of Resona Group and Other Data ・・・・・・・・ p.27 27
Slide 29: Resona Group at a Glance
Resona Group at a Glance Financial services group with a customer base of 16 mil individuals and 0.5 mil corporations and a full line of trust functions Extensive channel network centered on the Tokyo metropolitan area and Kansai region Corporate structure Customer base and business scale [Indiv
Slide 30: Resona Group’s Features at a Glance (1)
Resona Group’s Features at a Glance (1) A unique position that combines three strengths The largest retail-focused bank with full-line trust capabilities in Japan 1 The strengths of Full-line 3 The strengths of a trust bank a regional bank trust capabilities Full range of trust and real estate C
Slide 31: Resona Group’s Features at a Glance (2)
Resona Group’s Features at a Glance (2) Leverage combined capabilities afforded by all Resona Group members to realize “Retail No. 1” One-platform, multi-regional strategy Deliver value universally offered Deliver value optimized to suit the characteristics of the customers and regions we serve by a
Slide 32: Resona Group’s Features at a Glance (3)
Resona Group’s Features at a Glance (3) Integration of face-to-face and digital channels 100% of day-to-day transactions can be completed via digital channels × Face-to-face channels serve for special occasions < A worldview we aim to realize > Proposals aligned Attractive human resources with indiv
Slide 33: Resona Group’s Conceptual Structure
Resona Group’s Conceptual Structure The Resona Group’s conceptual structure expresses how we contribute to society (Purpose), what we aim to be in society (Corporate Mission), what we aspire to be (Long-term Vision), and how we act (Resona Way / Resona Standards). The Resona Group aims at becoming a
Slide 34: Analysis of Current Status with the Aim of Improving Corporate Value
Analysis of Current Status with the Aim of Improving Corporate Value PBR has exceeded 1.0x and is on an upward trend Aim for improvement in corporate value by [Trends in PBR] 1.34 both raising ROE and reducing capital costs 1.08 0.90 0.79 0.84 ROE 0.62 0.63 [ RORA × 0.56 0.54 0.47 0.50 Leverage
Slide 35: Upgrade Segments
Measures to Build Multifaceted Business Relationships Total of Two Banks with Customers (RB, SR) Visible progress has been made through the increase in the number of “Resona Loyal Customers” Number of Customers Customer segments based on Avg. # of (thousands) Top-line Products Increase life-time pro
Slide 36: Basic Concepts on the Exercise of Voting Rights of Policy-Oriented Stocks
Basic Concepts on the Exercise of Voting Rights of Policy-Oriented Stocks Resona Group has established the “Policy for the Voting Right Exercise Standards of Holding Policy-Oriented Stocks.” We have built a process to individually judge and verify the approval or disapproval of all proposals. Fund
Slide 37: Stocks Held by Industry (March 31, 2026)
(Balance sheet amount) 0% 5% 10% 15% 20% Fishery, agriculture and forestry Mining Construction Food product Textile product Pulp and paper Chemical product Pharmaceutical product Oil and petrochemical product Rubber products Glass and pottery Iron and steel Non-metal products Metal products Machiner
Slide 38: Business Results by Major Group Business Segments (FY2025)
Business Results by Major Group Business Segments (FY2025) (JPY bn) Sound- Profitability Net operating profit after a deduction of credit cost ness Net profit Risk- after a Cost to adjusted Resona Group deduction return income Actual net operating profit Credit costs of cost ratio Internal Business
Slide 39: Consolidated Subsidiaries and Affiliated Companies (1)
Consolidated Subsidiaries and Affiliated Companies (1) Major consolidated domestic subsidiaries (excluding group banks) (JPY bn） Name Line of business Capital contribution ratio Fiscal year Net income YoY change FY2025 Resona Guarantee (1) HD 100% 8.3 (1.5) (Mar.31 2026) FY2025 Kansai Mirai Guarante
Slide 40: Consolidated Subsidiaries and Affiliated Companies (2)
Consolidated Subsidiaries and Affiliated Companies (2) Major consolidated domestic subsidiaries (excluding group banks)(Continued) (JPY bn） Name Line of business Capital contribution ratio Fiscal year Net income YoY change FY2025 Resona Leasing (15) HD 100% 1.6 +0.1 (Mar.31 2026) A lease business ca
Slide 41: Consolidated Subsidiaries and Affiliated Companies (3)
Consolidated Subsidiaries and Affiliated Companies (3) Major consolidated overseas subsidiaries (JPY bn） *1 Name Line of business Capital contribution ratio Fiscal year Net income YoY change Banking business FY2025 P.T. Bank Resona Perdania (26) （Indonesia） RB 48.4% 1.8 (0.0) Oldest Japan-affiliated
Slide 42: Maturity Ladder of Loan and Deposit (Domestic Operation)
Total of Maturity Ladder of Loan and Deposit (Domestic Operation) Two Banks (RB, SR) Loans and bills discounted Deposits [End of March 2025] [End of March 2025] Within 6M 6 to 12M 1 to 3Y Over 3Y Total Within 6M 6 to 12M 1 to 3Y Over 3Y Total Fixed rate (1) 0.7% 0.9% 8.7% 12.0% 22.6% Liquid deposits
Slide 43: Migrations of Borrowers (1H of FY2025)
Migrations of Borrowers (1H of FY2025) RB End of September 2025 Exposure Upward Downward Other Special Potentially Effectively Migration Migration amount basis Normal Bankrupt Other Collection, Assignments, Watch Attention Bankrupt Bankrupt Repayments Sale Normal 98.9% 0.4% 0.0% 0.0% 0.0% 0.0% 0.6%
Slide 44: Migrations of Borrowers (2H of FY2025)
Migrations of Borrowers (2H of FY2025) RB End of March 2026 Exposure Upward Downward Other Special Potentially Effectively Migration Migration amount basis Normal Bankrupt Other Collection, Assignments, Watch Attention Bankrupt Bankrupt Repayments Sale Normal 98.7% 0.3% 0.1% 0.0% 0.0% 0.0% 0.8% 0.8%
Slide 45: Swap Positions by Remaining Periods
HD Swap Positions by Remaining Periods Consolidated (JPY bn) Notional amounts of interest rate Mar. 31, 2026 Mar. 31, 2025 swaps (deferred hedge accounting applicable) by remaining period Within 1 to 5 Over Within 1 to 5 Over Total Total 1 year years 5 years 1 year years 5 years Receive fixed rate/
Slide 46: Loans and Bills Discounted by Industry
Total of Loans and Bills Discounted by Industry Group Banks Mar. 31, 2026 Mar. 31, 2025 (JPY bn, %) Amount Composition rate Amount Composition rate Manufacturing 4,222.8 8.8% 3,940.5 8.7% Agriculture, forestry 16.6 0.0% 18.5 0.0% Fishery 2.8 0.0% 2.3 0.0% Mining, quarrying of stone, gravel extractio
Slide 47: Trends in Stability Ratios of Japanese Companies
Trends in Stability Ratios of Japanese Companies Companies capitalized Companies capitalized Companies capitalized at 10M – less than 100M (JPY) at 100M – less than 1,000M (JPY) over 1,000M (JPY) 100% 194.6％ 100% 200% 90% 90% 180% 80% 80% 160% 148.5％ 70% 70% 131.7％ 140% 131.7％ 60% 60% 120% 115.7％ 11
Slide 48: Proportion of Financial Assets Held by Households
Proportion of Financial Assets Held by Households Investment Shares and Insurance and Currency and deposits trusts equities pension reserves Bonds Japan 51% 6% 12% 26% 1% Euro area 31% 10% 25% 26% 2% USA 11% 13% 41% 26% 4% * Prepared based on “Flow of Funds: Overview of Japan, the United States, and
Slide 49: Long Term Business Results
Long Term Business Results 3 banks (RB,SR,KO) After KMFG integration (JPY bn) FY2016 FY2017 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025 Gross operating profit 563.1 552.5 661.3 644.1 658.6 639.1 601.9 600.0 627.4 691.6 808.8 Net interest income 377.9 368.3 454.2 435.9 431.1 417.4
Slide 50: Credit Rating Information (Long Term)
Credit Rating Information (Long Term) Moody’s S&P R&I JCR Resona Holdings - - AA- AA Resona Bank A2 A AA- AA Saitama Resona Bank A2 - AA- AA Kansai Mirai Bank - - - AA Minato Bank - - - AA 49
Slide 51: Composition of Resona HD’s Common Shareholders
Composition of Resona HD’s Common Shareholders 2.2% 3.9% 3.9% 2.8% 3.6% Other 5.0% 4.8% 6.8% 6.6% 7.0% 6.5% 6.0% 5.4% 8.9% 5.8% 5.8% 5.5% Corporations 6.0% 6.0% 5.8% 5.6% 6.3% 6.1% 20.0% 20.0% 5.8% 5.9% 6.8% 6.3% Individuals, 10.9% 10.1% 13.5% etc. 15.4% 13.4% 12.1% 15.6% 13.4% 14.1% 13.0% 41.4% 15.
Slide 52: Proactively Communicating with Our Shareholders and Investors
Proactively Communicating with Our Shareholders and Investors Resona Group Website Key contents Resona Group Integrated Report (issued annually) <Special Site of Integrated Report> https://www.resona- gr.co.jp/integrated_report/en/2025/ https://www.resona-gr.co.jp/holdings/english/ CEO Message Round
Slide 53: Abbreviations and definitions of the figures presented in this material
Abbreviations and definitions of the figures presented in this material are as follows: [HD] Resona Holdings*1 [RB] Resona Bank [SR] Saitama Resona Bank [KMB] Kansai Mirai Bank*2 [MB] Minato Bank *1 Resona Holdings and [KMFG] Kansai Mirai Financial Group merged on April 1, 2024 *2 [KU] Kansai Urba