Resona Competitive Intelligence & Landscape

The core of Resona's business lies in providing a comprehensive range of financial services. Its major group companies include Resona Bank, Limited, recognized as a large commercial bank in Japan with full-line trust capabilities; Saitama Resona Bank, Limited, which holds significant market shares in Saitama Prefecture; and Kansai Mirai Bank, a regional bank with a strong presence in the Kansai region [https://www.resona-gr.co.jp/holdings/english/about/glance/index.html], [https://www.resona-gr.co.jp/holdings/english/about/outline/group/index.html]. These entities offer banking and trust banking businesses to a broad market, from individuals to corporate clients.

Resona's value proposition emphasizes customer-oriented business conduct and initiatives to strengthen asset formation support functions [https://www.resona-gr.co.jp/holdings/english/about/]. The group's mission, as articulated by Group CEO Masahiro Minami, involves anticipating and adapting to changes in the financial landscape, aiming for breakthroughs and continuous growth [https://www.resona-gr.co.jp/holdings/english/investors/ceo_message/index.html]. This customer-centric approach underpins their efforts to support clients in achieving their financial goals.

For investment products, Resona provides a "Market Value Alert Mail Service" for those holding investment trusts with the Resona Group. This is a free service that notifies customers via email when the market value of their investment trust reaches a pre-set condition (above or below a specific amount) [https://www.resona-gr.co.jp/resonagr/market_value_mail/]. In terms of deposit accounts, Resona offers various options like time deposits and foreign currency deposits [http://www2.resona-gr.co.jp/mobile/rb/service/index.html]. For two-year time deposits with automatic renewal, intermediate interest creates new time deposits, and different rules apply for simple and compound interest [https://www.resona-gr.co.jp/resonagr/direct/help/teiki/yonyuu.html].

Resona Lease, part of the group, offers Operating Leases and Installment Sales. Operating leases aim to reduce total lease costs compared to finance leases by forecasting residual value at the end of the lease period. They also offer flexible options for lease term settings and post-lease arrangements, typically for shorter periods of 3-5 years, and allow for off-balance sheet treatment [https://www.resona-gr.co.jp/resona-lease/service/operating-lease/]. Installment sales involve Resona Lease purchasing equipment on behalf of the customer and selling it to them through long-term installment payments. Ownership transfers to the customer upon completion of payments, offering flexibility in payment schedules and methods [https://www.resona-gr.co.jp/resona-lease/service/installment/].

Customers can also benefit from the Resona Club, which provides various fee benefits depending on their status. For example, shareholders of Resona Holdings (holding 100 shares or more) can receive guaranteed statuses (Pearl, Ruby, or Diamond), which offer fee advantages such as ATM transaction fee exemptions for a certain number of uses per month [https://www.resona-gr.co.jp/resonagr/club/status/pop_status1.html]. Furthermore, Resona is developing a "Financial Digital Platform" called FinBASE, designed as an open platform to connect users and function providers, fostering open innovation with diverse participants [https://www.resona-gr.co.jp/fb/service/index.html].

Resona's hiring strategy extends beyond new graduates, with a significant push to step up the hiring of mid-career employees. This initiative is complemented by robust internal career support systems, including an in-house job-posting system and comprehensive career support [https://www.resona-gr.co.jp/holdings/english/sustainability/management/humancapitalinitiatives/index.html]. The company aims to empower ambitious employees to advance their careers actively, indicating a commitment to internal mobility and professional growth [https://www.resona-gr.co.jp/holdings/english/sustainability/sdgs/human_rights/system.html]. These efforts highlight a strategy to attract experienced professionals while also nurturing existing talent.

In April 2021, Resona Bank and Saitama Resona Bank revised their human resources system to foster diversity management and develop professional talent across various fields [https://www.resona-gr.co.jp/holdings/sustainability/sdgs/human_rights/system.html]. This revised system includes a

Resona Holdings has seen a significant recovery in its stock performance. In Fiscal Year 2024, the price book-value ratio (PBR) of Resona Holdings' stock rebounded to 1 time, marking the first time in nine years. This recovery was accompanied by a substantial increase in its market capitalization, which reached ¥3 trillion, reflecting growing public expectations for the Resona Group due to rising stock prices and other positive factors [https://www.resona-gr.co.jp/holdings/english/investors/financial/integrated/pdf/24/ir25.pdf]. The company's CFO has also provided insights into the financial results for FY2024 and plans for FY2025, including efforts to enhance corporate value through ROE improvement and discussions on capital allocation and shareholder return policies [https://www.resona-gr.co.jp/integrated_report/en/2025/index.html].

Looking ahead, Resona Holdings anticipates continued growth. For the first half of Fiscal Year 2025, the company aims to achieve even greater results under its upcoming new medium-term management plan. A key highlight is the projection for consolidated gross operating profit for FY25, which is expected to reach the JPY800.0 billion level. Furthermore, Resona is on track to achieve record-high fee income for the fifth consecutive year, demonstrating strong performance despite evolving market conditions [https://www.resona-gr.co.jp/holdings/english/investors/ir/presentation/pdf/20251119_2a.pdf].

Resona also organizes comprehensive shareholder seminars in major cities like Tokyo, Osaka, and Saitama. These events, which attracted 1,350 shareholders in a past iteration, typically include a market seminar discussing global economic trends, AI, and geopolitical risks for the coming year, alongside a second part detailing Resona Group's features, initiatives, growth strategies, and shareholder return policies [https://www.resona-gr.co.jp/holdings/investors/kojin/kabu-seminar/index.html]. A recent event in this series was held on February 21, 2026, across these three locations [https://www.resona-gr.co.jp/holdings/investors/kojin/kabu-seminar/index.html].

Beyond investor-specific events, Resona conducts various seminars and events through its Business Plaza, aiming to provide beneficial information and networking opportunities in collaboration with industry, government, and academia [https://www.resona-gr.co.jp/resonagr/bp/index.html]. These include workshops on topics like LCA and CFP (Carbon Footprint), discussing global trends and EU decarbonization policies, as well as ZEH seminars for real estate businesses focused on environmental housing [https://bp.resona-gr.co.jp/public/seminar/list?Seminar_D__P__D_seminar_category_master_id=39]. Furthermore, Resona Bank co-hosts hybrid seminars with public universities and small businesses, addressing subjects like the benefits of AI introduction and available subsidies, with past sessions held in June 2023 [https://bp.resona-gr.co.jp/public/seminar/list?order=2&order_key=start_day_start&start_day_start=2023-2-6].

Resona also holds regular IR Events throughout the year to keep investors informed. These include Investor Relations Meetings for fiscal year results and medium-term management plans, such as the one in mid-May 2026 for Fiscal Year 2025 and an IR Meeting for the Medium-Term Management Plan on April 20, 2026 [https://www.resona-gr.co.jp/holdings/english/investors/ir/event/index.html]. The company also conducts online meetings to explain quarterly financial results and hosts specific IR seminars on topics like Resona Group's initiatives in the IT sector supporting DX [https://www.resona-gr.co.jp/holdings/other/whatsnew_c/index.html].