Initiatives to Improve Corporate Value
Roadmap for Securing Profit
Aim for growth in core profit that will exceed outlays associated with forward-looking investment
aimed at improving employee engagement and productivity, with our plan calling for achieving an ROE of 8%
(JPY bn)
Core income [including Interest on yen bonds, etc.] +17.0
ROE target
+27.0
(26.0)
Fee
income
Operating
expenses
8%
Potential and upside
•Inorganic
•Interest rate hikes etc.
Net gains on bonds
(including futures)
+46.0
Net
income
attributable
+6.0
+10.0
NII from
domestic loans
(7.0)
Other items, net
+a
AUM
Interest
and deposits
income
Net
from yen
bonds, etc.
Loans rate
(6)bps
Average
loan balance
+10%
Succession +8.0
+7.0
Settlement +4.0
Corporate solution
+3.0
Strategic costs
(22.0)
[HR (14.0)]
[Systems (8.0)]
Base cost (4.0)
income
attributable
to owners
of parent
160.4
Additional
measures that can
be invested in
under the current
interest rate
environment
Capital utilization
(organic)
Reversal/increase
in interest income
on deposits and
loans
Sustained upward
momentum
Promote mainly
in high-potential
areas
Upfront investment
for future growth
(3-year cumulative total)
Investment in HR
+33.0
Investment in IT
+40.0
Credit related
expenses
(37.0)
Net gains on stocks
(12.0)
Credit cost ratio
FY25:11bps
to owners
of parent
170.0
FY2022
(Act.)
(80.0⇒ 120.0)
FY2025
(Target)
Resona Holdings, Inc. 27
27View entire presentation