Initiatives to Improve Corporate Value
Strengthening of Value Creation Capabilities: Business for SMEs
Strengthen our ability to accommodate funding demand that arises with changes in the environment
Diverse and complex issues
Low birthrate and Climate change
aging society
Business succession
Decarbonization
DX and productivity improvement
Macroeconomics
[Price index as of Mar. '23 in
comparison with the price index
of the same month of '22*1]
Consumer
Producer
Interest rate
Depreciation
Inflation
hikes
of the yen
+3.1%
Track record
spanning
100 years
DNA of
reform
[Average balance of corporate loan]
(JPY tn)
Relation
Solution
21.3
18.8
SMEs supporting Japan
+7.2%
# of companies: Approx. 99.7%*2
# of employees: Approx. 70%*2
FY'22
FY'25
(Act.)
(Plan)
Act as a "running partner" for customers at various stages, to this end raising our ability to provide them
with assistance via the allocation of human resources and the proactive utilization of capital
Strengthen our consulting and financing capabilities in terms of
both quality and quantity
Increase staffing for corporate lending
➤ FY'22: Approx. 3,150 staffs
FY'25 (plan) Approx. 3,350 staffs
■ Our Group network centered on two major metropolitan
areas
The number of companies naming the Resona Group as
their main bank places us among the top banks in Japan
Promote in-depth dialogue
# of corporate customers interviewed by the Group on SX topics:
Approx. 31,000 (FY'21)
[Cumulative total of Retail Transition Finance]
[FY'21 - FY'22]
Approx. JPY1.8 tn
(Act.)
[FY'23 - FY'25]
JPY 3.0 tn
(Plan)
(Thousand)
[Number of companies that name a major bank as their main bank*³]
Mega
Bank
Resona
Gr
Mega
Bank
C
Mega
B
95
Bank
68
A
76
61
KMFG
20
Hyogo 2nd Shiga 2nd
➤ Collect questionnaires regarding DX: about 13,000 companies (FY'22)
Further development and expansion of business fields in which we engage in
risk-taking endeavors in a way that aligns with changes in the environment
Establish an organization specializing in venture incubation
[Resona Group's ranking by prefecture *³]
Saitama 1st
Osaka 1st
Take on the challenge of providing a novel type of structured financing
*1. Consumer MIC "Consumer Price Index 2020-Base Consumer Price Index (Mar. 2023)", Producer: BOJ “Monthly Report on the Corporate Goods Price Index (Preliminary Figures for
Mar. 2023)" *2. The Small and Medium Enterprise Agency "2023 White Paper on Small and Medium Enterprises in Japan"
*3. TEIKOKU DATABANK (2022)
Resona Holdings, Inc.
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