Resona Group Integrated Report 2025

CEO Message

Masahiro Minami
Group CEO, Director, President and Representative Executive Officer

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At the beginning of CEO Message, Group CEO Minami views change not as a threat but as a new opportunity, expressing his intention to elevate the Resona Group to the next stage under the theme of "Breakthrough," with "Transformation & Challenge" as the key concepts. Furthermore, he emphasizes the importance of making this year a significant step toward achieving Retail No.1, stating that the entire Group will work together to achieve this goal. He also shares his perspective on the "Responsibility of Top Management" and outlines initiatives aimed at sustainable corporate value enhancement, including "Fully Utilizing Two Income Sources," "Structural Reforms," "Accelerating Capital Circulation to Enhance Corporate Value," and "Becoming the Most Significant Contributor to the Success of Retail Customers’ SX Efforts."

A diagram illustrating the enhancement of corporate value through ROE improvement and reduction of capital costs. The contents of the diagram are explained on the CEO message page.

A diagram outlining initiatives aimed at strengthening the Group's growth foundation and addressing the high-cost structure inherent in retail operations. Through frontline reforms, middle- and back-office reforms, investment in human capital, and workstyle reforms, the Group aims to achieve an expense ratio in the 40% range within five years.

CFO Message

Narunobu Ota
Group CFO and Executive Officer

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Group CFO, Ota, provides insights into the financial results for FY2024, the formulation of plans for FY2025, and the approach to ROE improvement as part of efforts to enhance corporate value. He also discusses the Impact of the Yen interest rate hikes on profit (provisional calculation), capital allocation and shareholder return policies, the reduction of policy-oriented stockholdings, and the status of dialogue with shareholders and investors.

A diagram outlining the formulation of plans for FY2025, based on the results of FY2024. The contents of the diagram are explained in the text.

Roundtable Discussion between an Institutional Investor and Outside Directors

Masaki Yamauchi
Chairperson of Audit Committee
Member of Nominating Committee
(Left edge of photo)
Kimie Iwata
Chairperson of Nominating Committee
(Center of the photo)
Sawako Nohara
Chairperson of Compensation Committee
(Right edge of photo)
Fumihiko Ike
Chairperson of
the Board of Directors
(Second from the left in the photo)
Masanaga Kono
Tokyo Office of Marathon Asset Management Ltd.
(Second from the right in the photo)

The Chairperson of the Board, along with chairpersons of Nominating, Compensation and Audit committees, engated in a dialogue with Mr. Masanaga Kono from the Tokyo Office of Marathon Asset Management Ltd. The discussion revolved around the theme, "Outside Directors’ Role in Supporting the Realization of the Resona Group’s Purpose and Long-Term Vision."

CSO/CSuO Message

Nobuki Iwadate
Group CSO, Group CSuO and Executive Officer

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Group CSO/CSuO, Iwadate, emphasizes the need to revisit the significance of corporate sustainability efforts and how to achieve corporate value enhancement amid increasing uncertainty. He highlights the importance of strategies centered on "flexible adaptation to change" and "long-term direction" for the Resona Group. Additionally, he positions "connections" and "co-creation" with customers as sources of competitive advantage, aiming to deepen relationships with diverse stakeholders to address social issues, create new services, and steadily enhance corporate value from financial, social, human, and intellectual capital perspectives.

A diagram presenting long-term sustainability indicators, including the goal of increasing the number of solution offerings to 20 million by FY2030 and expanding cumulative retail transition finance transactions to JPY10 trillion.

CHRO Message

Itaru Kuki
Group CHRO and Executive Officer

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CDIO Message

Hidefumi Kawabe
Group CDIO and Executive Officer

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CPRO Message

Toshiyuki Mizukawa
Group CPRO and Executive Officer

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CIO Message

Koki Katayama
Group CIO and Executive Officer

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Resona Group Integrated Report 2025 PDF Version

    • The Resona Group’s Conceptual Structure
    • Contents
    • To Be a Good Company
    • CEO Message
    • CFO Message
    • Outline of Financial Results for FY2024
    • Roundtable Discussion between an Institutional Investor and Outside Directors
    • Driving Force of Value Creation —Resona’s Footsteps—
    • Driving Force of Value Creation —Resona’s Strength and Group at a Glance—
    • Value Creation Model
    • Stakeholder Dialogue and Collaboration
    • CSO/CSuO Message
    • Toward the Creation of a Sustainable Society
    • Overview of and Progress under the Medium-Term Management Plan
    • Development of Next-Generation Management Platforms (including CHRO, CDIO, CPRO and CIO Message)
    • Strengthening of Value Creation Capabilities
    • Entrenchment of the Purpose