Japan · Delayed Price · Currency is JPY Resona Holdings Earnings Call Transcripts
Fiscal Year 2026
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ROE targets raised to 12–14% under the new MMP, with strong growth in loans, fee income, and capital allocation. Strategic partnerships and digital initiatives are driving next-generation retail finance, while shareholder returns and policy-oriented shareholdings reduction remain key priorities.
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Core operating profit rose year-on-year, led by record results in Semiconductor and Electronic Materials, offsetting Chemicals segment weakness. Non-recurring losses and restructuring weighed on net profit, but EBITDA margin improved and full-year guidance remains unchanged.
Fiscal Year 2025
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Earnings and net income saw strong double-digit growth year-on-year, driven by rising interest rates and robust fee income. Structural reforms and digital transformation are enhancing efficiency, while shareholder returns are increasing through higher dividends and share buybacks.
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Net income and operating profit saw strong year-on-year growth, prompting an upward revision of full-year guidance. ROE and cost-income ratio improved, with robust gains in net interest and fee income, and a JPY 20 billion share buyback announced.