Initiatives to Improve Corporate Value
HD
(Reference) Gap Analysis FY2023 Target vs FY2022 Results Consolidated
Although targets for FY2023 include lower profit, the quality of that profit has improved as follows
Expenses, though higher, are attributable to forward-looking investment in human resources and DX ⇒ This investment will generate such positive
effects as improved employee engagement and greater productivity
Profit composition shows lower dependence on extraordinary gains and losses (e.g., the reversal of credit-related expenses and proceeds from
the sale of policy-oriented stockholdings)
Core income [including Interest on yen bonds, etc.]*¹ (15.6)
JPY bn,
approximate figures
Net income
attributable
to owners
of parent
160.4
+2.4
(16.7)
+0.6
Interest
(1.7)
NII from
Fee income
+5.2
(10.4),
YoY
domestic loans
Operating
income
Other
from yen
bonds, etc.
and deposits Succession +1.5
expenses
items,
Loans rate
(3)bps
Average
loan balance
approx. +4%
Settlement +0.5
Personnel expenses
(4.0)
Non-personnel Net gains on bonds
expenses, etc.
(12.7)
(including futures)
Net income
attributable
to owners
of parent
150.0
net
Other NII
(10.0)
+43.0
Credit-related
expenses, net
(22.1)
Net gains on stocks
(including equity
derivatives)
(10.3)
FY2022
(Act.)
*1. Net interest income from domestic loans and deposits + Interest on yen bonds, etc. (interest on yen bonds and income from interest rate swaps)
+ Fee income + Operating expenses
FY2023
(Target)
Resona Holdings, Inc.
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