Initiatives to Improve Corporate Value
Business Results by Major Group Business Segments
Management accounting by major group business lines (FY2022)
Resona Group
Business Segments
(JPY bn, %)
Soundness Net operating profit after a deduction of credit cost
Actual net operating profit
Credit cost
Profitability
Net profit
after a
deduction
Risk-adjusted
return
of cost
on capital
on capital
Cost to
income
ratio
Internal
CAR
RVA*1
RAROC
OHR
YOY
Change
YoY
Change
Gross operating
profit
Operating
YOY expense
Change
YoY
Change
YOY
Change
Customer Divisions (1)
49.7
14.8%
63.4%
10.1% 161.3
+57.7
174.7
+16.1 477.5 +14.8 (302.8)
+1.3 (13.3) +41.5
Personal Banking (2)
17.9
20.4% 79.6%
9.9% 36.2
+14.2
38.3 +13.3
188.7 +9.0
(150.4) +4.2 (2.1) +0.8
Corporate Banking (3)
31.7
13.7% 52.7%
10.2% 125.1 +43.5 136.3 +2.8
288.7 +5.7
(152.4)
(2.9) (11.1) +40.6
Markets
(4)
(13.0)
(10.1)% (295.3)%
13.2% (6.4) +1.5 (6.4) +1.5
(1.6)
(3.6) (4.8)
+5.1
KMFG
(5)
(18.9)
6.3% 74.8%
8.9% 30.8
(2.1)
34.1 (7.3) 135.9
(10.7) (101.7) +3.4 (3.3) +5.1
Total
*2
(6)
(28.2)
8.8%
67.1%
10.0% 182.3
+53.9 198.2 +11.1 602.6
(0.3) (404.7) +11.6 (15.9) +42.7
*1. RVA: Resona Value Added (Net profit after a deduction of cost on internally allocated capital)
*2. Numbers reported above refer to 2 Resona Group banks and consolidated subsidiaries
Resona Holdings, Inc.
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