Resona Holdings, Inc.
FY2026 Q3 Financial Highlights
Net income attributable to owners of parent for the quarter was 222.1 billion yen (YoY +31.2%), core net business income was 263.0 billion yen (YoY +32.6%), with a progress rate of 92.5% toward full-year targets.
Key Figures
- Net Income Attributable to Owners of Parent for the Quarter: 222.1 billion yen (YoY +31.2%)
- Core Net Business Income (Excluding Investment Trust Redemption Gains/Losses): 263.0 billion yen (YoY +32.6%)
- Expense Ratio: 57.4% (YoY △6.3%)
AI要約
Performance Overview
In the third quarter of FY2026, net income attributable to owners of parent was 222.1 billion yen (YoY +31.2%), and core net business income was 263.0 billion yen (YoY +32.6%). Gross business profit reached 597.6 billion yen (YoY +15.9%), with interest income performing well at 425.9 billion yen (YoY +82.8 billion yen). Expenses increased to 343.4 billion yen (YoY +14.5 billion yen), but the expense ratio declined by 6.3 points YoY to 57.4%. Credit costs decreased by 3.8 billion yen, maintaining a low ratio of 9.9%. The progress rate toward the full-year net income target is solid at 92.5%.
Dual Business Development and Outlook
Domestic net interest income was 299.6 billion yen (YoY +42.1 billion yen), supported by steady loan yields and loan balances. Fee income reached 164.2 billion yen (YoY +0.1 billion yen), progressing at 71.4% of the full-year plan. Driven mainly by increased interest income, the full-year net income target attributable to owners of parent was revised upward from 240.0 billion yen to 250.0 billion yen (initial forecast +10.0 billion yen, ROE 8.8%). The dividend forecast was raised to 29.0 yen annually (YoY +4.0 yen). The company plans to promote IT and human resource investments while aiming to reduce the expense ratio.
