Initiatives to Improve Corporate Value
Strengthening of Value Creation Capabilities: Housing Loan Business
[Number of households in
which women live alone *1]
(Thousand households)
▪ 19 80 - 2020
2,620
1,620
1,100
1,060
970
Deliver diverse solutions aligned with changes in customer behavior
[Degree of personal interest
הו,
in climate change *2]
Resona's strength
with No.1 balance
No,1
Have no
4,900
of HL in japan
substantial
interest /Have
no interest
at all
Under20s 30s-50s Over 60s
Have substantial
interest/Have some
interest
88%
Business process reforms
[Balance of housing loans]
(JPY tn)
14.7
13.7
Enhance
Reinforcement
123/3
'26/3
customer
convenience
of housing loan
personnel
(Act.)
(Plan)
Strengthen our approach in both online and face-to-face channels
Our online approach to end users
system
Current
(to be released in
New system
1H of FY'23)
Preliminary Preliminary
application
response
Official
application
Sending
Filling
in
by
postal
mail
Filling
in
Official
response
Sending
by
postal
Finalization of terms
and conditions
Signing
"Navi" service,
Paper-
based or
e-contracts
mail
Filling
in
Web-based
application
Allotted ID is
sent via postal
Customer
mail, while PW
is sent via SMS
phone-based
explanations,
etc.
-- Message
Dedicated webpage
for Resona housing
loan customers
契約者
Resona
E-contract
Relationships with Real Estate Companies
Loan Plaza replacement and personnel reallocation according to
market
Products and measures to be released to accommodate
customer needs and set us apart from other banks
Danshin Kakumei (Provide coverage for 3 major diseases as well as
16 type of other diseases in addition to injuries and conditions requiring
nursing care), Loans for women, Housing loans borrowed jointly by
couples, A privileged special plan for borrowers who intend to
purchase eco-friendly housing
Increased sophistication of risk pricing*3
Accommodate need for long-term fixed interest rates in light of the
interest rate outlook held by customers
Bidirectional communications afforded by Resona Group App Deliver solutions aligned with customer life events
[Ratio of housing loan borrowers
who installed the app at the time
of borrowing]
'20/3
64.2%
'23/3
89.4%
[Average number of products in transactions]
No HL*4
VS
2.8
With HL
4.9
No HL*4,5
1
[Top-line income per customer]
With HL
42
VS
*1. Prepared based on White Paper on Gender Equality 2022 issued by the Cabinet Office *2. Prepared based on opinion poll in 2020 undertaken by
the Cabinet Office regarding climate change *3. ZEH (Net Zero Energy House), certified long-life quality or with solar panels
*4. Comparison with potential II and III (as of Mar. 31, '23, RB+SR+KMB) *5. Indexed to average top-line income per client for No HL = 1
Resona Holdings, Inc.
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