Initiatives to Improve Corporate Value
Business
Total of group banks
BS
Total of group banks
PL
Consolidated
Long Term Business Results
3 banks (RB, SR,KO)
(JPY bn)
FY2013
FY2014
FY2015
FY2016
FY2017
FY2017
FY2018
FY2019
FY2020
FY2021
FY2022
Gross operating profit
608.5
632.4
619.5
563.1
552.5
661.3
644.1
658.6
639.1
601.9
600.0
Net interest income
430.0
425.9
401.3
377.9
368.3
454.2
435.9
431.1
417.4
429.1
419.3
Fee incomes
*1
Operating expenses
158.7
169.2
168.7
160.6
168.0
187.7
193.8
190.2
191.4
208.3
208.6
(348.4)
(357.7)
(347.5)
(362.4)
(360.6)
(442.6)
(439.4)
(426.5)
(425.8)
(427.2)
(413.0)
Net gains/(losses) on stocks
22.6
44.5
(6.5)
25.1
16.7
21.4
10.1
0.5
46.9
45.5
54.1
Credit related expenses
26.4
22.3
(25.8)
17.4
14.7
10.1
(1.3)
(22.9)
(57.4)
(58.7)
(15.9)
Net income attributable to owners
220.6
211.4
183.8
161.4
236.2
244.2
175.1
152.4
124.4
109.9
160.4
of parent
Term end loan balance
Loans to SMEs and
After KMFG integration
26,986.0
27,755.5
27,932.1
28,412.0
28,992.1
35,478.5
36,282.9
36,738.2
38,942.3
39,617.0
41,436.9
22,912.6
23,454.9
23,645.8
24,163.8
24,728.4
30,473.3
31,161.3
31,318.9
32,407.7
32,730.0
33,052.5
individuals
Housing loans
12,918.3
13,125.0
13,188.0
13,356.3
13,331.6
15,968.5
16,223.1
16,342.6
16,610.7
16,735.4
16,790.8
Residential housing loans
9,705.2
9,905.1
10,015.1
10,218.6
10,267.5
12,374.7
12,683.6
12,912.2
13,321.5
13,562.2
13,723.1
NPL ratio
1.74%
1.51%
1.51%
1.35%
1.18%
1.26%
1.18%
1.14%
1.12%
1.32%
1.29%
Stocks
331.6
330.6
351.5
348.3
343.8
365.4
353.8
336.9
325.2
305.9
283.8
(Acquisition amount basis)
Unrealized gains/(losses)
332.8
573.1
460.1
555.4
649.4
672.8
598.3
420.7
615.3
521.2
472.9
on available-for-sale securities
Balance of Investment products
sold to individuals
3,538.9
3,791.5
3,751.7
3,645.7
3,618.6
4,569.7
4,762.3
4,585.8
5,128.7
5,564.5
5,533.2
Investment trust/ Fund wrap
1,915.3
2,070.9
1,871.1
1,759.3
1,733.7
2,178.4
2,222.4
2,017.0
2,533.1
2,845.7
2,666.9
Insurance
1,623.5
1,720.6
1,880.6
1,886.3
1,884.9
2,391.2
2,539.8
2,568.7
2,595.6
2,718.7
2,866.3
Housing loan
1,478.6
1,352.9
1,292.7
1,481.4
1,174.9
1,418.4
1,577.7
1,506.3
1,506.0
1,421.2
1,361.8
Residential housing loans
1,162.3
1,042.2
1,011.7
1,198.7
939.0
986.6
1,225.5
1,232.7
1,314.1
1,225.3
1,168.3
Real estate business
8.3
11.2
13.5
13.7
13.1
13.1
13.3
12.5
10.6
13.5
15.4
(Excluding equity)
Remaining public fund balance
356.0
128.0
Fully repaid in June 2015
*1. Fees and commissions income plus trust fees *2. Includes apartment loans (Origination includes Flat35)
Resona Holdings, Inc.
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