Initiatives to Improve Corporate Value
Housing Loan Business
New housing loan origination
( JPY tn, % represents YoY change )
Apartment loan
■ Flat 35
■Residential housing loan
Total of
Group Banks
Composition of newly originated residential
housing loans by interest rate type
17%
Share of fixed rate residential housing loans
■Share of variable rate residential housing loans
3% 1% 2% 4% 7% 8% 12%
11%
4% 3% 3% 4% 7%
42%
45%
83%
97% 99% 98% 96% 93% 92% 88%
89% 96% 97% 97% 96% 93%
1.50
1.50
58%
55%
1.42
0.18
0.12
1.36
(4.1)%
0.06
0.15
FY'07 FY'08 FY'09 FY'10 FY'11 FY'12 FY'13 FY'14 FY'15 FY'16 FY'17 FY'18 FY'19 FY'20 FY'21 FY'22
0.09
0.03
0.17+10.0%
0.02(46.6)%
3 banks(RB, SR, KO)
Term-end housing loan balance
After KMFG
integration
JPY tn, %
represents
YoY change
Apartment loan
■Residential housing loan
16.79
1.31
1.23
1.22
1.16
16.34
16.61
16.73
+0.3
(4.6)%
3.06
3.43
3.28
3.17
(3.3)%
13.72
12.91
13.32
13.56
+1.1%
FY2019 FY2020 FY2021
FY2022
2020/3
2021/3
2022/3
2023/3
Resona Holdings, Inc.
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