Initiatives to Improve Corporate Value
Capital Adequacy Ratio
■CAR (Domestic std.) and CET1 ratio (International std.) as of Mar. 31, 2023 were 12.48% and 14.10%, respectively,
maintaining sound capital adequacy level
Domestic standard
HD
Consolidated
(Reference) International standard
( JPY bn)
2022/3
Capital adequacy ratio
2023/3 Change
(1) 11.82% 12.48% +0.66%
( JPY bn)
2022/3
2023/3
Change
Common Equity Tier1 capital ratio
(10) 13.43% 14.10% +0.67%
Total capital
(2) 2,027.7
2,101.0
+73.2
Excluding net unrealized gains on
available-for-sale securities
Tier1 capital ratio
Core Capital: instruments and reserves
(3)
2,103.1
2,179.5
+76.3
Total capital ratio
(11) 11.26% 12.09%
(12) 13.45% 14.11%
(13) 13.81% 14.35%
+0.83%
+0.66%
+0.54%
Stockholders' equity
(4)
2,018.9
2,115.4
+96.5
Common Equity Tier1 capital
Adjusted non-controlling interests
(5)
7.8
7.0
(0.8)
Instruments and reserves
Reserves included in Core Capital
(6)
60.7
39.2
(21.5)
Stockholders' equity
(16)
(14) 2,343.8 2,413.1
(15) 2,420.8 2,494.9
2,018.9 2,115.4
+69.2
+74.0
+96.5
Net unrealized gains on available-for-sale
Subordinated loans and bonds subject to
(17)
378.5
342.6
(35.8)
(7)
34.7
27.5
transitional arrangement
(7.1)
securities*
Adjusted non-controlling interests
(18)
3.6
3.8
+0.1
Core Capital: regulatory adjustments
(8)
75.3
78.4
+3.0
Regulatory adjustments
(19)
76.9
81.7
+4.8
Other Tier1 capital
(20)
2.6
2.7
+0.1
Risk weighted assets
(9) 17,150.2 16,827.9
(322.2)
Tier1 capital
(21)
2,346.5
2,415.9
+69.4
Change in total capital
Tier2 capital
(22)
62.3
40.8
(21.5)
• Stockholders' equity
+96.5 bn
Total capital (Tier1+Tier2)
(23)
2,408.8 2,456.7
+47.9
•
Net income attributable to owners of parent
+160.4 bn
Risk weighted assets
(24)
17,442.3
17,113.4
(328.8)
•
Share buyback (completed in Dec. '22)
Dividends distributed
(15.0) bn
(50.4) bn
Group banks, Bank holding company
Domestic standard
Capital adequacy ratio.
Resona
KMFG
Saitama
Resona
(Consolidated) (Consolidated) (Consolidated)
11.88% 15.00%
9.08%
*Including deferred gains or losses on hedge related to net unrealized gains on
available-for-sale securities
(Reference)
Trial calculation based on the finalization of Basel 3
CET1 ratio: Approx. 10.0%*
(Excluding net unrealized gains on available-for-sale securities)
*Trial calculation which took into consideration the estimated increase in RWAs owing
to the finalization of Basel 3 (SA and capital floor revisions) based on the actual
CET1 ratio excluding net unrealized gains on available-for-sales securities as of
Mar. 31, 2023 reported as (11) in the above table
Resona Holdings, Inc.
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