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Resona
Resona (8308) investor relations material
Resona Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary30 Jan, 2026
Executive summary
Net income attributable to owners of parent for 1-3Q FY2025 was JPY222.1 bn, up 31.3% year-over-year, achieving 92.5% of the full-year target.
Core net operating profit (excluding net gains on cancellation of investment trusts) rose 32.6% YoY to JPY263.0 bn.
Ordinary income increased 19.3% YoY to JPY965.6 bn, with ordinary profits up 31.6% to JPY312.5 bn.
Comprehensive income surged 285.6% YoY to JPY299.9 bn.
Upward revision to full-year net income target to JPY250.0 bn, reflecting higher net interest income from policy rate hikes.
Financial highlights
Gross operating profit increased 15.9% YoY, driven by higher net interest income and stable fee income, reaching JPY597.7 bn.
Net interest income from domestic loans and deposits grew by JPY42.1 bn YoY, with average loan balance up 4.12% and loan rate up 27bps YoY.
Net income per share was JPY97.46, up from JPY73.15 YoY.
Total assets reached JPY77.58 tn, with net assets at JPY2.94 tn as of December 31, 2025.
OHR improved to 57.4%, down 6.3 percentage points YoY.
Outlook and guidance
Full-year net income target revised upward to JPY250.0 bn (ROE 8.8%), up JPY10.0 bn from the initial target.
Net income per share for the full year is targeted at JPY109.93.
Full-year dividend forecast raised to 29.0 yen per share, up 4.0 yen from the initial forecast.
Expectation of further ROE improvement as the impact of interest rate hikes fully materializes.
Impact of internal transfer rate on Market trading profit
How did loan growth and deposit decline impact spreads?
Why the swing in loan loss provision?
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Latest events from Resona
- Net income rose 38.5% YoY, prompting a higher full-year target and increased shareholder returns.8308
Q2 202513 Jan 2026 - Net income up 34.2% YoY to JPY213.3 bn, with higher dividends and robust fee income.8308Q4 202419 Nov 2025
- Net income up 25.1% YoY to JPY142.9 bn, with strong profit growth and higher shareholder returns.8308Q2 202611 Nov 2025
- Net income surged 27.3% year-over-year, with strong loan growth and improved efficiency.8308Q1 202631 Jul 2025
- Net income jumped 56.4% YoY to JPY55.3 bn, with strong loan and fee income growth.8308Q1 202413 Jun 2025
- Net income up 48.2% YoY to JPY169.2 bn, with guidance raised and NPL ratio improved.8308Q3 20255 Jun 2025
Next Resona earnings date
Q4 202513 May, 2026
Resona
Next Resona earnings date
Q4 202513 May, 2026
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