Initiatives to Improve Corporate Value
Table of Contents
Outline of Business Results of FY2022
and Updates on Major Businesses
Medium-term Management Plan
£28b
p4
Outline of Financial Results for FY2022
p5
Review of FY2022
p22 What the Resona Group Should Look Like over the Long Term
p23
p6
Breakdown of Financial Results
Purpose and Long-Term Vision / The Group's Conceptual Structure
p7
p8
p9
Term-end Balance of Loans and Deposits
Factors for the Changes in Net Income Attributable to Owners of Parent
Trend of Loans and Deposits (Domestic Account)
p24
p25
Reflection on the Previous Medium-term Management Plan (FY20 - FY22)
Overview of the MMP
p26
KPIs under the MMP
p10 Housing Loan Business
p27
Roadmap for Securing Profit
p11 Fee Income
p12 Major Fee Businesses(1) (AUM)
p13 Major Fee Businesses (2) (Succession, Corporate Solution, Pension Trust)
p14 Credit Costs and NPL
p29
p30
p15
Securities Portfolio
p31
p16
Capital Adequacy Ratio
p32
p17 Earnings Targets for FY2023
p33
of
Value
p18 (Reference) Gap Analysis: FY2023 Target vs FY2022 Results
p19 (Reference) Outline of Financial Results of Each Segment
p34
Creation
p28 Sound Balance Sheet / Possible Impact of JPY Interest Rate Hikes
(Provisional Calculation)
Strengthening of Value Creation Capabilities
Business for SMEs
Business and asset succession
Strengthening Cashless and DX Solution Business
Asset Formation Support Business
Housing Loan Business
p35
Capabilities
Financial Digital Platform (1)
p20 (Reference) Outline of Financial Results of Customer Divisions
p36
p37
p38
Development
p39
of Next-
p40
Generation
p41
p42
Platforms
Financial Digital Platform (2)
Inorganic Strategy
Overview of Our Human Resource Strategy
Six Drivers for Realizing Human Resource Strategy
Integration of Real and Digital Channels -Channel (1)-
Management Integration of Real and Digital Channels -Channel (2)-
Expand Forward-Looking Investment for Sustainable Growth
Capital Management
p44 Capital Management of the MMP (1)
p45 Capital Management of the MMP (2)
p46 Initiatives to Improve Corporate Value
ESG Initiatives (p47-)
Reference Material (p62-)
Resona Holdings, Inc.
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