Financial Ratios Resona Holdings, Inc.

Equities

8308

JP3500610005

Banks

Delayed Japan Exchange Other stock markets 09:30:00 2026-03-05 pm EST			5-day change	1st Jan Change
1,811.50 ^JPY	+1.29%		-5.18%	+21.33%

Feb. 27	Nintendo: Shareholders including DeNA, Bank of Kyoto, Resona to sell shares	RE
Feb. 26	Nintendo announces $1.9 billion share sale by Kyoto bank and others	RE

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Published financial data: RESONA HOLDINGS, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	359B	353B	361B	371B	423B
Interest Income On Investments	77.07B	88.74B	98.05B	138B	194B
Interest Income, Total	436B	442B	459B	509B	617B
Interest On Deposits	9.83B	7.48B	15.23B	32.47B	69.65B
Total Interest On Borrowings	8.4B	5.06B	24.53B	55.06B	67.02B
Interest Expense, Total	18.23B	12.54B	39.75B	87.54B	137B
Net Interest Income	417B	429B	419B	422B	480B
Trust Income	19.22B	20.83B	21.61B	25.42B	25.67B
Income From Trading Activities	5.73B	3.21B	3.04B	798M	3.87B
Gain (Loss) on Sale of Assets	-68M	1.75B	-176M	2.7B	5.7B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	46.99B	45.57B	54.12B	65.66B	87.68B
Total Other Non Interest Income	309B	325B	326B	337B	382B
Non Interest Income, Total	381B	397B	404B	432B	505B
Revenues Before Provison For Loan Losses	798B	826B	824B	854B	985B
Provision For Loan Losses	68.93B	66.71B	22.67B	40.45B	21.11B
Total Revenues	729B	759B	801B	813B	964B
Selling General & Admin Expenses, Total	426B	427B	413B	423B	448B
Total Other Non Interest Expense	113B	171B	161B	164B	219B
Non Interest Expense, Total	538B	598B	574B	587B	666B
EBT, Excl. Unusual Items	191B	161B	228B	226B	298B
Asset Writedown	-6.58B	-4.86B	-2.47B	-2.66B	-3.92B
Other Unusual Items	-	-1M	-1M	-	-1M
EBT, Incl. Unusual Items	184B	156B	225B	223B	294B
Income Tax Expense	54.6B	45.54B	63.31B	64.68B	79.14B
Earnings From Continuing Operations	130B	110B	162B	158B	215B
Net Income to Company	130B	110B	162B	158B	215B
Minority Interest	-5.23B	-144M	-1.34B	609M	-1.47B
Net Income - (IS)	124B	110B	160B	159B	213B
Preferred Dividend and Other Adjustments	-	-	-	-	-
Net Income to Common Incl Extra Items	124B	110B	160B	159B	213B
Net Income to Common Excl. Extra Items	124B	110B	160B	159B	213B
Per Share Items
Net EPS - Basic	54.2	45.42	67.5	67.79	92.41
Basic EPS - Continuing Operations	54.2	45.42	67.5	67.79	92.41
Basic Weighted Average Shares Outstanding	2.3B	2.42B	2.38B	2.34B	2.31B
Net EPS - Diluted	54.19	45.41	67.48	67.77	92.39
Diluted EPS - Continuing Operations	54.19	45.41	67.48	67.77	92.39
Diluted Weighted Average Shares Outstanding	2.3B	2.42B	2.38B	2.34B	2.31B
Normalized Basic EPS	49.67	41.38	59.28	60.42	80
Normalized Diluted EPS	49.67	41.37	59.27	60.41	79.99
Dividend Per Share	21	21	21	22	25
Payout Ratio	38.83	46.45	31.42	32.05	24.6
American Depositary Receipts Ratio (ADR)	2	2	2	2	2
Supplemental Items
Effective Tax Rate - (Ratio)	29.62	29.26	28.13	29.01	26.92
Normalized Net Income	114B	100B	141B	142B	185B
Non-Cash Pension Expense	4.86B	6.55B	4.1B	4.61B	2.16B

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	25,223B	27,999B	22,392B	20,924B	19,549B
Investment Securities, Total	7,369B	8,147B	8,892B	9,888B	10,910B
Trading Asset Securities, Total	232B	238B	222B	350B	443B
Total investments	7,601B	8,385B	9,114B	10,239B	11,353B
Gross Loans	39,086B	39,726B	41,447B	42,852B	44,771B
Allowance For Loan Losses	-190B	-234B	-214B	-219B	-190B
Net Loans	38,896B	39,492B	41,233B	42,632B	44,580B
Net Property Plant And Equipment	361B	357B	352B	350B	312B
Other Intangibles, Total	53.34B	55.11B	51.93B	45.56B	50.01B
Restricted Cash	-	-	-	-	336M
Other Current Assets, Total	487B	539B	584B	547B	578B
Deferred Tax Assets Long-Term (Collected)	29.73B	27.15B	22.98B	3.84B	9.88B
Other Long-Term Assets, Total	1,046B	1,300B	1,063B	1,409B	938B
Total Assets	73,698B	78,155B	74,813B	76,151B	77,371B
Liabilities
Accrued Expenses, Total	18.65B	20.21B	20.07B	21.01B	21.98B
Interest Bearing Deposits	59,430B	61,898B	62,797B	64,392B	64,073B
Total Deposits	59,430B	61,898B	62,797B	64,392B	64,073B
Short-Term Borrowings	634B	1,329B	1,180B	824B	1,679B
Long-Term Debt	9,913B	11,249B	7,090B	6,676B	7,332B
Other Current Liabilities - (Bank / Utility Template)	388B	406B	433B	473B	554B
Pension & Other Post Retirement Benefits	15.37B	12.39B	9.52B	8.04B	5.44B
Deferred Tax Liability Non-Current	72.83B	40.36B	40.8B	96.21B	37.86B
Other Non Current Liabilities	706B	742B	708B	884B	915B
Total Liabilities	71,178B	75,696B	72,279B	73,373B	74,618B
Common Stock, Total	50.55B	50.55B	50.55B	50.55B	50.55B
Additional Paid In Capital	15.77B	149B	134B	110B	69.81B
Retained Earnings	1,796B	1,854B	1,964B	2,073B	2,239B
Treasury Stock	-2.48B	-9.24B	-8.15B	-7.32B	-6.62B
Comprehensive Income and Other	457B	398B	376B	535B	377B
Total Common Equity	2,318B	2,442B	2,516B	2,760B	2,729B
Minority Interest	202B	16.61B	17.95B	17.69B	23.53B
Total Equity	2,520B	2,459B	2,534B	2,778B	2,753B
Total Liabilities And Equity	73,698B	78,155B	74,813B	76,151B	77,371B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	2.43B	2.38B	2.36B	2.32B	2.29B
ECS Total Common Shares Outstanding	2.3B	2.38B	2.36B	2.33B	2.3B
Book Value / Share	1.01K	1.03K	1.07K	1.18K	1.19K
Tangible Book Value	2,264B	2,387B	2,464B	2,715B	2,679B
Tangible Book Value Per Share	985.73	1K	1.04K	1.17K	1.17K
Average Loans	38,572B	39,366B	40,443B	41,953B	43,680B
Total Debt	10,547B	12,578B	8,270B	7,500B	9,010B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-28.58B	-31.15B	-40.64B	-79.74B	-104B
Net Debt	-14,908B	-15,660B	-14,352B	-13,784B	-10,983B
Full Time Employees	20.31K	19.74K	19.28K	19.72K	20.17K

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	184B	156B	225B	223B	294B
Depreciation, Depletion & Amortization	34.67B	36.97B	38.54B	38.65B	39.25B
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	-	-
Total Depreciation, Depletion & Amortization	34.67B	36.97B	38.54B	38.65B	39.25B
(Gain) Loss On Sale of Asset - (CF)	6.64B	3.11B	2.64B	-41M	-1.78B
(Gain) Loss on Sale of Investments - (CF)	-55.1B	14.1B	-7.43B	-35.51B	-49B
(Income) Loss On Equity Investments - (CF)	-456M	-518M	-420M	-484M	-431M
Change in Trading Asset Securities	178B	-20.07B	38.5B	-101B	12.67B
Change in Other Net Operating Assets (Collected)	5,558B	1,490B	-6,122B	-2,710B	-369B
Other Operating Activities	-89.3B	-256B	-281B	253B	99.26B
Cash from Operations	5,817B	1,424B	-6,107B	-2,332B	24.79B
Capital Expenditure	-10.16B	-11.96B	-12.9B	-12.97B	-17.61B
Sale of Property, Plant, and Equipment	3.41B	4.31B	2.3B	6.06B	47.48B
Purchase / Sale of Intangible Assets	-5.05B	-10.5B	-7.6B	-7.55B	-9.57B
Investment in Marketable and Equity Securities, Total	-1,379B	-906B	-370B	-697B	-1,065B
Other Investing Activities, Total	-227M	-1.79B	-2.2B	-405M	-1.2B
Cash from Investing	-1,391B	-926B	-390B	-711B	-1,045B
Long-Term Debt Repaid, Total	-45.2B	-60B	-	-	-
Total Debt Repaid	-45.2B	-60B	-	-	-
Issuance of Common Stock	1.23B	619M	1.38B	2.11B	2B
Repurchase of Common Stock	-1.41B	-58.52B	-15.01B	-26.09B	-40.01B
Common Dividends Paid	-48.33B	-51.08B	-50.4B	-50.93B	-52.47B
Common & Preferred Stock Dividends Paid	-48.33B	-51.08B	-50.4B	-50.93B	-52.47B
Net Increase (Decrease) in Deposit Accounts - (CF)	5,578B	2,467B	899B	1,599B	-318B
Other Financing Activities, Total	-20.66B	-1.33B	-8M	-49M	1.49B
Cash from Financing	5,463B	2,297B	835B	1,524B	-407B
Foreign Exchange Rate Adjustments	35M	3M	1M	743M	6.64B
Miscellaneous Cash Flow Adjustments	-	-1M	-	-1M	-1M
Net Change in Cash	9,889B	2,795B	-5,662B	-1,519B	-1,421B
Supplemental Items
Cash Income Tax Paid (Refund)	25.02B	79.07B	49.12B	48.45B	59.05B
Net Debt Issued / Repaid	-45.2B	-60B	-	-	-

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.19	0.14	0.21	0.21	0.28
Return On Equity %	5.36	4.42	6.48	5.96	7.77
Return on Common Equity	5.66	4.62	6.47	6.02	7.77
Shareholders Value Added	-139B	-176B	-137B	-158B	-116B
Margin Analysis
SG&A Margin	58.39	56.29	51.56	52.04	46.43
Net Interest Income / Total Revenues %	57.23	56.54	52.35	51.87	49.82
EBT Excl. Non-Recurring Items Margin %	26.17	21.15	28.4	27.76	30.89
Income From Continuing Operations Margin %	17.78	14.51	20.19	19.47	22.27
Net Income Margin %	17.07	14.49	20.02	19.55	22.12
Net Avail. For Common Margin %	17.07	14.49	20.02	19.55	22.12
Normalized Net Income Margin	15.64	13.2	17.58	17.42	19.15
Asset quality
Nonperforming Loans / Total Loans %	1.41	1.69	1.61	1.6	1.36
Nonperforming Loans / Total Assets %	0.75	0.86	0.89	0.9	0.79
Nonperforming Assets / Total Assets %	0.75	0.86	0.89	0.9	0.79
NPAs / Loans and OREO	1.41	1.69	1.61	1.6	1.36
NPAs / Equity	21.82	27.34	26.38	24.63	22.13
Allowance for Credit Losses / Net Charge-offs %	96.38	136.4	141.17	155.32	147.47
Allowance for Credit Losses / Nonperforming Loans %	34.58	34.76	31.98	32.08	31.25
Allowance for Credit Losses / Total Loans %	0.49	0.59	0.52	0.51	0.43
Net Charge-offs / Total Average Loans %	0.51	0.44	0.37	0.34	0.3
Provision for Loan Losses / Net Charge-offs %	34.95	38.94	14.98	28.62	16.35
Earning Assets / IBL	91.09	89.81	89.61	89.64	100.42
Capital And Funding
Total Average Common Equity / Total Average Assets %	3.28	3.13	3.24	3.5	3.58
Total Average Equity / Total Average Assets %	3.6	3.28	3.26	3.52	3.6
Total Equity + Allowance for Loan Losses / Total Loans %	6.42	6.74	6.59	6.95	6.52
Gross Loans / Total Deposits %	65.77	64.18	66	66.55	69.87
Net Loans / Total Deposits %	65.45	63.8	65.66	66.21	69.58
Total Capital Ratio %	11.54	11.82	12.48	12.85	12.79
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	22.96	31.75	10.18	5.05	5.39
EBT + Interest Expense / Interest Expense	11.11	13.42	6.66	3.55	3.15
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-3.18	2.81	-2.28	0.56	13.94
Non Interest Income, 1 Yr. Growth %	2.44	4.12	1.96	6.79	16.94
Provision For Loan Losses, 1 Yr. Growth %	96.35	-3.22	-66.02	78.41	-47.8
Total Revenues, 1 Yr. Growth %	-5.01	4.06	5.54	1.5	18.61
Earnings From Cont. Operations, 1 Yr. Growth %	-16.55	-15.11	46.87	-2.11	35.67
Net Income, 1 Yr. Growth %	-18.33	-11.65	45.85	-0.92	34.23
Normalized Net Income, 1 Yr. Growth %	-13.15	-12.18	40.6	0.56	30.38
Diluted EPS Before Extra, 1 Yr. Growth %	-18.23	-16.21	48.6	0.43	36.33
Dividend Per Share, 1 Yr. Growth %	0	0	0	4.76	13.64
Gross Loans, 1 Yr. Growth %	5.3	1.64	4.33	3.39	4.48
Allowance For Loan Losses, 1 Yr. Growth %	18.64	22.94	-8.55	2.7	-13.24
Net Loans, 1 Yr. Growth %	5.24	1.53	4.41	3.39	4.57
Non Performing Loans, 1 Yr. Growth %	4.36	22.3	-0.59	2.37	-10.94
Non Performing Assets, 1 Yr. Growth %	4.36	22.3	-0.59	2.37	-10.94
Total Assets, 1 Yr. Growth %	21.79	6.05	-4.28	1.79	1.6
Total Deposits, 1 Yr Growth %	10.36	4.15	1.45	2.54	-0.49
Tangible Book Value, 1 Yr. Growth %	11.6	5.44	3.22	10.18	-1.31
Average Interest Earning Assets, 1 Yr. Growth %	11.85	12.31	-0.41	-1.96	14.3
Average Interest Bearing Liabilities, 1 Yr. Growth %	13.64	13.92	-0.2	-1.99	2.03
Common Equity, 1 Yr. Growth %	11.49	5.39	3.02	9.71	-1.13
Total Equity, 1 Yr. Growth %	8.77	-2.41	3.05	9.63	-0.91
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-2.14	-0.23	0.23	-0.87	7.04
Non Interest Income, 2 Yr. CAGR %	3.01	3.28	3.04	4.35	11.75
Provision For Loan Losses, 2 Yr. CAGR %	92.08	37.85	-42.65	-22.13	-3.5
Total Revenues, 2 Yr. CAGR %	-3.06	-0.58	4.8	3.5	9.72
Earnings From Cont. Operations, 2 Yr. CAGR %	-15.42	-15.83	11.66	19.91	15.24
Net Income, 2 Yr. CAGR %	-15.7	-15.06	13.51	20.21	15.32
Normalized Net Income, 2 Yr. CAGR %	-2.51	-12.66	11.12	18.91	14.5
Diluted EPS Before Extra, 2 Yr. CAGR %	-15.35	-17.23	11.59	22.16	17.01
Dividend Per Share, 2 Yr. CAGR %	0	0	0	2.35	9.11
Gross Loans, 2 Yr. CAGR %	3.75	3.45	2.98	3.86	3.93
Allowance For Loan Losses, 2 Yr. CAGR %	9.67	20.77	6.03	-3.09	-5.61
Net Loans, 2 Yr. CAGR %	3.72	3.37	2.96	3.9	3.98
Non Performing Loans, 2 Yr. CAGR %	1.76	12.98	10.26	0.88	-4.52
Non Performing Assets, 2 Yr. CAGR %	1.76	12.98	10.26	0.88	-4.52
Total Assets, 2 Yr. CAGR %	11.66	13.65	0.75	-1.29	1.7
Total Deposits, 2 Yr CAGR %	6.6	7.21	2.79	1.99	1.01
Tangible Book Value, 2 Yr. CAGR %	4.57	8.47	4.32	6.64	4.27
Average Interest Earning Assets, 2 Yr. CAGR %	5.92	12.08	5.76	-1.19	5.86
Average Interest Bearing Liabilities, 2 Yr. CAGR %	7.01	13.78	6.63	-1.1	-0
Common Equity, 2 Yr. CAGR %	4.77	8.4	4.2	6.31	4.15
Total Equity, 2 Yr. CAGR %	3.41	3.03	0.29	6.29	4.23
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	4.26	-0.52	-0.92	0.34	3.84
Non Interest Income, 3 Yr. CAGR %	5.2	3.38	2.84	4.27	8.39
Provision For Loan Losses, 3 Yr. CAGR %	60.3	52.85	-13.56	-16.28	-31.85
Total Revenues, 3 Yr. CAGR %	2.43	-0.74	1.42	3.69	8.31
Earnings From Cont. Operations, 3 Yr. CAGR %	-18.18	-15.31	1.33	6.87	24.95
Net Income, 3 Yr. CAGR %	-19.23	-14.37	1.71	8.48	24.71
Normalized Net Income, 3 Yr. CAGR %	-5.64	-5.84	2.36	7.48	22.62
Diluted EPS Before Extra, 3 Yr. CAGR %	-18.61	-15.64	0.6	7.74	26.71
Dividend Per Share, 3 Yr. CAGR %	1.64	0	0	1.56	5.98
Gross Loans, 3 Yr. CAGR %	10.38	3.04	3.74	3.11	4.07
Allowance For Loan Losses, 3 Yr. CAGR %	10.82	13.92	10.08	4.91	-6.6
Net Loans, 3 Yr. CAGR %	10.38	2.99	3.72	3.1	4.12
Non Performing Loans, 3 Yr. CAGR %	6.63	8.2	8.26	7.57	-3.23
Non Performing Assets, 3 Yr. CAGR %	6.63	8.2	8.26	7.57	-3.23
Total Assets, 3 Yr. CAGR %	13.62	9.76	7.33	1.1	-0.34
Total Deposits, 3 Yr CAGR %	10.7	5.77	5.26	2.71	1.16
Tangible Book Value, 3 Yr. CAGR %	3.29	4.86	6.69	6.24	3.92
Average Interest Earning Assets, 3 Yr. CAGR %	10.51	8.01	7.75	3.12	3.73
Average Interest Bearing Liabilities, 3 Yr. CAGR %	11.87	9.26	8.92	3.67	-0.07
Common Equity, 3 Yr. CAGR %	3.59	4.98	6.57	6	3.77
Total Equity, 3 Yr. CAGR %	6.21	1.43	3.04	3.31	3.83
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	0.79	2.58	2.63	-0.66	2.19
Non Interest Income, 5 Yr. CAGR %	2.78	2.63	4.33	3.77	6.31
Provision For Loan Losses, 5 Yr. CAGR %	11.24	37.3	6.26	16.71	-9.67
Total Revenues, 5 Yr. CAGR %	1.03	1.27	3.37	0.93	4.66
Earnings From Cont. Operations, 5 Yr. CAGR %	-6.83	-7.46	-7.34	-2.67	6.68
Net Income, 5 Yr. CAGR %	-7.5	-7.4	-7.45	-1.93	6.95
Normalized Net Income, 5 Yr. CAGR %	-6.13	-6.78	0.74	3.37	7.05
Diluted EPS Before Extra, 5 Yr. CAGR %	-6.47	-7.46	-7.66	-2.17	6.87
Dividend Per Share, 5 Yr. CAGR %	4.32	2.02	0.98	0.93	3.55
Gross Loans, 5 Yr. CAGR %	7.01	6.99	7.36	3.37	3.82
Allowance For Loan Losses, 5 Yr. CAGR %	-1.22	6.76	8.88	6.79	3.51
Net Loans, 5 Yr. CAGR %	7.06	6.99	7.35	3.35	3.82
Non Performing Loans, 5 Yr. CAGR %	-0.48	5.58	8.07	5.21	2.96
Non Performing Assets, 5 Yr. CAGR %	-0.48	5.58	8.07	5.21	2.96
Total Assets, 5 Yr. CAGR %	8.45	10.03	8.29	5.2	5.04
Total Deposits, 5 Yr CAGR %	8.47	8.25	7.47	4.25	3.54
Tangible Book Value, 5 Yr. CAGR %	4.89	4.7	3.7	5.57	5.72
Average Interest Earning Assets, 5 Yr. CAGR %	6.01	8.79	8.58	4.23	6.99
Average Interest Bearing Liabilities, 5 Yr. CAGR %	8.17	10.64	9.74	5	5.26
Common Equity, 5 Yr. CAGR %	5	4.83	3.83	5.51	5.6
Total Equity, 5 Yr. CAGR %	6.56	4.78	3.8	3.35	3.51