Initiatives to Improve Corporate Value
Fee income
Consolidated fee income ratio*1: 34.7%
Increased driven by growth in insurance (+JPY4.8 bn, +57.2%, YoY), settlement related (+JPY3.3 bn, +4.9%, YoY),
real estate (+JPY1.9 bn, +14.2%, YoY), etc.
34.6%
34.7%
HD
Consolidated
JPY bn, % represents
YoY change
[Plans]
33% level
29.9%
Fee income ratio*1 28.8%
208.3
208.6
(+0.1%)
211.0
+1.1%
■Insurance 13.2, +57.2%
190.2
191.4
⚫ Investment trust (sales commission)
6.0, (47.1)%
AUM*2
⚫ Insurance
11.0
52.1
51.0
■Investment trust (trust fees)
■ Investment trust
(1)AUM*2
13.4, (4.9)%
51.0
(sales commission) 7.5
43.1
44.6
⚫ Investment trust
•Fund wrap*5 9.0, +9.7%
(trust fees)
14.0
⚫Fund wrap*5
9.5
23.4
25.0
•Real estate 15.4, +14.2%
(2) Succession
Succession related*3
20.3
18.4
26.5
related*3
⚫Real estate 16.0
(3)Corporate
27.8
27.5
23.9
25.6
solution
(4) Pension trust
13.7
11.8
12.2
12.7
27.5
Corporate solution
13.0
Pension trust
(5)Settlement
related*4
65.7
68.0
69.1
72.5
■ Debit card 5.1, +17.6%.
⚫EB
12.3, +4.1%
73.0
Settlement related*4
(6) Other
23.3
22.8
23.4
19.6
Housing loan related 20.3, (0.7)%
20.0
Other
FY2019
(a)
FY2020
(b)
FY2021
(၁)
FY2022
(d)
FY2023
(e)
*1. (Fees and commission income + trust fees) / Consolidated gross operating profit
*2. Insurance and investment trust(sales commission/ trust fees), fund wrap, securities trust, fee income earned by Resona Asset Management
real estate, M&A income *4. Fees and commission from domestic exchange, account transfer, EB, debit card, etc. and fee income earned
by Resona Kessai Service and Resona Card *5. Including fee income earned by Resona Asset Management
*3. Asset and business succession and
Resona Holdings, Inc.
11View entire presentation