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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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Next Resona earnings date
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Resona
Next Resona earnings date
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Frequently asked questions
Resona Holdings, Inc. is a Japanese financial services company that operates as a holding company for a group of banks and financial institutions. The company provides a range of banking services, including retail banking, corporate banking, and trust banking, with offerings such as loans, deposits, investment services, and asset management solutions. Resona’s core subsidiaries serve individual and corporate clients across Japan, focusing on personal financial services, business support, and wealth management. The company is headquartered in Tokyo, Japan, and its shares are listed on the Tokyo Stock Exchange.
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