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Earnings Calls

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