Initiatives to Improve Corporate Value
Development of Next-Generation Management Platforms:
Integration of Real and Digital Channels -Channel (2)-
Address a diverse range of issues confronting our customers via both digital and face-to-face channels
Expansion of digital channels
Expand customer contact points via the App
➤ Already the App represents the largest transactional channel
[Resona Group App # of DL (Total of group banks)]
Feb. '18
Launch
Mar. '20
2.20 mil.
Mar. '23
6.52 mil.
Take a data-driven approach to create new businesses
• Look into the possibility of expansion into non-financial fields via
co-creation involving external partners
Financial Data
(Examples of business development)
✓ Transaction lending
✓ BNPL
Non-financial
Data
✓ Sophistication of data marketing
✓ Advertisement etc.
• Expand the scope of customer convenience offered via the App
➤ Build Ul via the incorporation of a thoroughly user-centric perspective
➤ Advanced advice notifications
(Number of models to notify automatically +3.5x (Compared with Mar. '20))
⇒ Acceleration of the digital shift in a diverse range of transactions
[Percentage of transactions
Long-term outlook
Enhance value delivered via both face-to-face and digital channels in
terms of quality and quantity
⇒ Look for a substantial increase in the number of customers to
whom we can deliver greater value = Resona Loyal Customers*2
via the App and IB]
Mar. '18
Mar. '23
[Ratio of Resona Loyal Customers*2]
Installment time deposits
[Gross operating profit per person*³]
33%
88%
(account opening)
Foreign currency deposits
Potentailal II|
0.1
16%
78%
Oters
(account opening)
Investment trust (purchase)
54%
79%
Card loan (application)
77%
Loyal customers
4.4
Resona
Premier
66.0
Loyal
⇒ Relatively high profitability of App frequent users*1
Customers
Housing Loan
27.4
About
Gross operating profit per person
[Comparison of "App frequent users *1" and "Other user" (Mar. '23)]
+2.2x
Asset Management
6.1
60%
Potentailal |
1.9
Potentailal II
1
Average number of products in
+1.7x
transactions
2023/3
(Act.)
10 years
later
*1. Customers who use the App 3 times or more per month (RB, SR, KMB) *2. Resona Loyal Customers: [Premier] - [Potential II] segments
*3. Indexed to average top-line income per client for Potential Il segment = 1, total of two banks (RB/SR)
Resona Holdings, Inc.
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