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Medium-term Management Plan

Overview of the Medium-term Management Plan

Resona Group established an MMP under the title "Shift to the Next Stage—Three Years to Create Our New Ways of Doing Business," clarifying its intent to elevate its path to the next stage and realize the Group Purpose "Beyond Finance, for a Brighter Future" in addition to its Long-Term Vision "Retail No. 1."

With an eye to accelerating capital circulation to maximize corporate value, taking a bold approach beyond conventional boundaries, we aim to establish an earnings structure that is resilient to changes in the external environment by further growing core businesses, creating next-generation growth drivers, and implementing structural reforms of management platforms.

Resona Group MMP
(FY2026–FY2028)

Shift to the Next Stage
―Three Years to Create Our New Ways of Doing Business―

Growth in core businesses

Strengthening capital circulation
to continue supporting Japan's growth
and regional vitalization

Sustainable expansion of solutions
to provide support for diversifying issues
and financial conduct

Creating next-generation
growth drivers

Acquiring new capabilities
to continue sustainably providing value
amid societal changes

Structural reforms
of management platforms

Reforming policies,
systems and processes
to achieve a more sophisticated income
and cost structure

Human resources and workstyles

Data, infrastructure and processes

Systems and security

One-platform strategy

Acceleration of capital circulation to maximize corporate value

Strategic utilization
of expanding capital flows

Strategic and optimal capital allocation

Steadfast investment discipline

Steady and sustainable expansion
of shareholder returns

Financial Targets

The financial targets for the final fiscal year of the MMP are detailed below.

ROE
(TSE standard) 12%

Gross operating profit
JPY1trillion

OHR*1
40%level

Total shareholder return ratio
50%or higher

CET1 ratio*2
10%level

  1. *1Consolidated cost income ratio
  2. *2Based on the full enforcement of the finalized Basel 3 regulations under the international standard; excluding net unrealized gains on available-for-sale securities