# RESONA HOLDINGS INC

Summary updated: 2026-10-02T10:14:37.917444Z
Canonical: https://finbar.com/research/companies/resona-holdings

## Overview

Resona Holdings Inc. is a Japan-based financial-services group centered on banking and trust banking. Its services include retail and corporate banking, asset formation and investment products, payments and settlement, and related services such as real estate and succession support. Its core market is Japan, with a major presence in the Tokyo/Saitama and Kansai regions; it also has staff at overseas locations in Asia and the United States. [1](https://www.resona-gr.co.jp/holdings/english/investors/financial/integrated/pdf/25/ir26.pdf)[2](https://www.resona-gr.co.jp/holdings/english/about/glance/index.html)

The group’s stated Purpose is “Beyond Finance, for a Brighter Future,” and its Corporate Mission is to become a “true ‘financial services group full of creativity.’” [3](https://www.resona-gr.co.jp/holdings/english/about/philosophy/index.html) Resona Holdings was established in 2001. As of March 31, 2026, the group reported 20,813 employees, 16 million individual customers and 500,000 corporate customers. For the fiscal year ended March 31, 2026, consolidated ordinary income was ¥1,357.2 billion. [4](https://www.resona-gr.co.jp/holdings/english/about/outline/history/index.html)[5](https://www.resona-gr.co.jp/holdings/english/about/outline/index.html)[2](https://www.resona-gr.co.jp/holdings/english/about/glance/index.html)[6](https://www.resona-gr.co.jp/holdings/english/investors/financial/results_c/download_c/files/20260512_3a.pdf)
[1](https://www.resona-gr.co.jp/holdings/english/investors/financial/integrated/pdf/25/ir26.pdf)[2](https://www.resona-gr.co.jp/holdings/english/about/glance/index.html)[3](https://www.resona-gr.co.jp/holdings/english/about/philosophy/index.html)[4](https://www.resona-gr.co.jp/holdings/english/about/outline/history/index.html)[5](https://www.resona-gr.co.jp/holdings/english/about/outline/index.html)[6](https://www.resona-gr.co.jp/holdings/english/investors/financial/results_c/download_c/files/20260512_3a.pdf)

## Products & services

Resona’s personal banking products include ordinary and yen time deposits, housing, car, education and card loans, and mortgage options such as the Resona SX Housing Loan for environmentally considerate homes. Its Resona Visa Debit Card draws purchases from a customer’s bank account and supports contactless and smartphone payments; Resona also offers the Club Point Plus credit card. [7](https://www.resonabank.co.jp/kojin/hiraku/hutsu/)[8](https://www.resonabank.co.jp/kojin/jutaku.html)[9](https://www.resonabank.co.jp/kojin/visa_debit/)[10](https://www.resonabank.co.jp/kojin/credit/)

The Resona Group App offers balance and transaction-history checks, transfers, and other account services; listed capabilities include checking upcoming deposits and withdrawals, setting savings goals, investment-related functions, point exchange and finding ATMs. Security features include biometric or passcode login and the ability to suspend cash-card or debit-card functions. [11](https://www.resonabank.co.jp/kojin/app/groupapp/language_en.html)[12](https://www.resonabank.co.jp/net/smartaccount/landing02.html)

Investment and trust offerings include investment trusts, the discretionary Fund Wrap service, and trust services for wills, inheritance and asset succession. For businesses, Resona provides account inquiries, transfers and data transmission through Resona Business Direct, as well as the Katsuryoku business-purpose card loan. Its reported fee-service categories include asset management, corporate solutions, pension trusts, settlement and succession-related services; the latter includes succession trusts, real estate services and M&A. [13](https://www.resonabank.co.jp/kojin/fundwrap/)[14](https://www.resonabank.co.jp/kojin/toshin/)[15](https://www.resona-gr.co.jp/holdings/english/sustainability/sdgs/aging/trust.html)[16](https://www.resonabank.co.jp/hojin/b_direct/)[17](https://www.resonabank.co.jp/hojin/service/kakushu/businessloan/)[18](https://app.finbar.com/go?id=P139720936)
[7](https://www.resonabank.co.jp/kojin/hiraku/hutsu/)[8](https://www.resonabank.co.jp/kojin/jutaku.html)[9](https://www.resonabank.co.jp/kojin/visa_debit/)[10](https://www.resonabank.co.jp/kojin/credit/)[11](https://www.resonabank.co.jp/kojin/app/groupapp/language_en.html)[12](https://www.resonabank.co.jp/net/smartaccount/landing02.html)[13](https://www.resonabank.co.jp/kojin/fundwrap/)[14](https://www.resonabank.co.jp/kojin/toshin/)[15](https://www.resona-gr.co.jp/holdings/english/sustainability/sdgs/aging/trust.html)[16](https://www.resonabank.co.jp/hojin/b_direct/)[17](https://www.resonabank.co.jp/hojin/service/kakushu/businessloan/)[18](https://app.finbar.com/go?id=P139720936)[7](https://www.resonabank.co.jp/kojin/hiraku/hutsu/)[8](https://www.resonabank.co.jp/kojin/jutaku.html)[9](https://www.resonabank.co.jp/kojin/visa_debit/)[10](https://www.resonabank.co.jp/kojin/credit/)[11](https://www.resonabank.co.jp/kojin/app/groupapp/language_en.html)[12](https://www.resonabank.co.jp/net/smartaccount/landing02.html)[13](https://www.resonabank.co.jp/kojin/fundwrap/)[14](https://www.resonabank.co.jp/kojin/toshin/)[15](https://www.resona-gr.co.jp/holdings/english/sustainability/sdgs/aging/trust.html)[16](https://www.resonabank.co.jp/hojin/b_direct/)[17](https://www.resonabank.co.jp/hojin/service/kakushu/businessloan/)

## Geographic presence

Resona Holdings’ main operating geography is Japan, with business concentrated in the Tokyo and Saitama metropolitan areas and the Kansai region, particularly Osaka. Its principal regional banking subsidiaries include Saitama Resona, Kansai Mirai and Minato, which serves Hyogo. The available FY2026 reporting does not provide revenue shares by country or region. [19](https://app.finbar.com/go?id=P156505588)[20](https://www.resona-gr.co.jp/holdings/english/about/outline/group/index.html)

The group also has an international presence: as of March 31, 2026, employees were stationed at 13 overseas locations across Asia and the United States. Listed locations include Hong Kong, Shanghai, Bangkok, Ho Chi Minh City, Hanoi, Los Angeles and Singapore; the group also has a presence in Indonesia. Resona Holdings lists head offices in Tokyo and Osaka. [2](https://www.resona-gr.co.jp/holdings/english/about/glance/index.html)[21](https://www.resonabank.co.jp/hojin/service/kokusai_gaitame/kaigai_support/kaigai_kyoten/)[5](https://www.resona-gr.co.jp/holdings/english/about/outline/index.html)
[19](https://app.finbar.com/go?id=P156505588)[20](https://www.resona-gr.co.jp/holdings/english/about/outline/group/index.html)[2](https://www.resona-gr.co.jp/holdings/english/about/glance/index.html)[21](https://www.resonabank.co.jp/hojin/service/kokusai_gaitame/kaigai_support/kaigai_kyoten/)[5](https://www.resona-gr.co.jp/holdings/english/about/outline/index.html)

## Business segments

Resona Holdings reports Personal banking, Corporate banking and Market trading as operating segments, with Other presented separately. Personal banking includes results from loan and deposit spreads, asset-formation support and real estate; Corporate banking includes loan and deposit spreads, corporate solutions, trust-related items and real estate. The reported segment information names Market trading but does not detail its specific activities. [22](https://app.finbar.com/go?id=T16600444)[23](https://app.finbar.com/go?id=T15964901)[24](https://app.finbar.com/go?id=T15964902)

For Q1 FY2026, ended June 30, 2026, net operating profit less credit costs was ¥80,458 million. Personal banking contributed ¥43,508 million (about 54.1% of the total), Corporate banking ¥60,916 million (about 75.7%), Market trading −¥22,442 million (about −27.9%), and Other −¥1,523 million (about −1.9%). The positive shares exceed 100% because Market trading and Other reduced the total. [22](https://app.finbar.com/go?id=T16600444)

For FY2025, ended March 31, 2026, the annual results presentation reported actual net operating profit of ¥306.0 billion: Personal banking ¥173.2 billion (about 56.6%), Corporate banking ¥259.0 billion (about 84.6%), and Markets and other combined −¥126.3 billion (about −41.3%). This annual presentation does not provide a standalone Markets contribution. [25](https://app.finbar.com/go?id=T15964899)
[22](https://app.finbar.com/go?id=T16600444)[23](https://app.finbar.com/go?id=T15964901)[24](https://app.finbar.com/go?id=T15964902)[25](https://app.finbar.com/go?id=T15964899)

## Company history

Resona’s origins include Osaka Nomura Bank, established in 1918 and renamed Daiwa Bank in 1948. In 2000, Bank of Kinki and Bank of Osaka merged to form Kinki Osaka Bank. Daiwa Bank Holdings was established on December 12, 2001, bringing Daiwa Bank, Kinki Osaka Bank and Nara Bank under a holding company; Asahi Bank joined as a wholly owned subsidiary in March 2002. The holding company adopted the name Resona Holdings, Inc. on October 1, 2002. [4](https://www.resona-gr.co.jp/holdings/english/about/outline/history/index.html) [26](https://www.resona-gr.co.jp/holdings/english/newsrelease/pdf/011212.pdf) [27](https://www.resona-gr.co.jp/holdings/english/newsrelease/pdf/020301_1a.pdf)

In 2003, a reorganization of Daiwa Bank and Asahi Bank established Resona Bank and Saitama Resona Bank. That July, Resona issued shares to Japan’s Deposit Insurance Corporation as part of a major recapitalization; the shares were fully repaid in 2014. [4](https://www.resona-gr.co.jp/holdings/english/about/outline/history/index.html) In 2017–18, Resona transferred Kinki Osaka Bank to Kansai Mirai Financial Group, whose integration of Kinki Osaka Bank, Kansai Urban Banking and Minato Bank was completed in April 2018. Kansai Urban Banking and Kinki Osaka Bank merged to form Kansai Mirai Bank in April 2019. On April 1, 2024, Resona Holdings completed its merger with Kansai Mirai Financial Group. [28](https://www.resona-gr.co.jp/holdings/english/newsrelease/detail/20180401_759.html) [29](https://www.resona-gr.co.jp/holdings/english/newsrelease/detail/20190401_984.html) [30](https://www.resona-gr.co.jp/holdings/english/newsrelease/detail/20240401_3383.html)
[4](https://www.resona-gr.co.jp/holdings/english/about/outline/history/index.html)[26](https://www.resona-gr.co.jp/holdings/english/newsrelease/pdf/011212.pdf)[27](https://www.resona-gr.co.jp/holdings/english/newsrelease/pdf/020301_1a.pdf)[28](https://www.resona-gr.co.jp/holdings/english/newsrelease/detail/20180401_759.html)[29](https://www.resona-gr.co.jp/holdings/english/newsrelease/detail/20190401_984.html)[30](https://www.resona-gr.co.jp/holdings/english/newsrelease/detail/20240401_3383.html)[4](https://www.resona-gr.co.jp/holdings/english/about/outline/history/index.html)[26](https://www.resona-gr.co.jp/holdings/english/newsrelease/pdf/011212.pdf)[27](https://www.resona-gr.co.jp/holdings/english/newsrelease/pdf/020301_1a.pdf)[28](https://www.resona-gr.co.jp/holdings/english/newsrelease/detail/20180401_759.html)[29](https://www.resona-gr.co.jp/holdings/english/newsrelease/detail/20190401_984.html)[30](https://www.resona-gr.co.jp/holdings/english/newsrelease/detail/20240401_3383.html)

## Sources

1. [www.resona-gr.co.jp](https://www.resona-gr.co.jp/holdings/english/investors/financial/integrated/pdf/25/ir26.pdf)
2. [www.resona-gr.co.jp](https://www.resona-gr.co.jp/holdings/english/about/glance/index.html)
3. [www.resona-gr.co.jp](https://www.resona-gr.co.jp/holdings/english/about/philosophy/index.html)
4. [www.resona-gr.co.jp](https://www.resona-gr.co.jp/holdings/english/about/outline/history/index.html)
5. [www.resona-gr.co.jp](https://www.resona-gr.co.jp/holdings/english/about/outline/index.html)
6. [www.resona-gr.co.jp](https://www.resona-gr.co.jp/holdings/english/investors/financial/results_c/download_c/files/20260512_3a.pdf)
7. [www.resonabank.co.jp](https://www.resonabank.co.jp/kojin/hiraku/hutsu/)
8. [www.resonabank.co.jp](https://www.resonabank.co.jp/kojin/jutaku.html)
9. [www.resonabank.co.jp](https://www.resonabank.co.jp/kojin/visa_debit/)
10. [www.resonabank.co.jp](https://www.resonabank.co.jp/kojin/credit/)
11. [www.resonabank.co.jp](https://www.resonabank.co.jp/kojin/app/groupapp/language_en.html)
12. [www.resonabank.co.jp](https://www.resonabank.co.jp/net/smartaccount/landing02.html)
13. [www.resonabank.co.jp](https://www.resonabank.co.jp/kojin/fundwrap/)
14. [www.resonabank.co.jp](https://www.resonabank.co.jp/kojin/toshin/)
15. [www.resona-gr.co.jp](https://www.resona-gr.co.jp/holdings/english/sustainability/sdgs/aging/trust.html)
16. [www.resonabank.co.jp](https://www.resonabank.co.jp/hojin/b_direct/)
17. [www.resonabank.co.jp](https://www.resonabank.co.jp/hojin/service/kakushu/businessloan/)
18. [RESONA HOLDINGS INC — Presentation (2026 Y), p13](https://app.finbar.com/go?id=P139720936)
19. [RESONA HOLDINGS INC — Full financial report (2026 Y), p14](https://app.finbar.com/go?id=P156505588)
20. [www.resona-gr.co.jp](https://www.resona-gr.co.jp/holdings/english/about/outline/group/index.html)
21. [www.resonabank.co.jp](https://www.resonabank.co.jp/hojin/service/kokusai_gaitame/kaigai_support/kaigai_kyoten/)
22. [RESONA HOLDINGS INC — Press release (2027 Q 1), p6](https://app.finbar.com/go?id=T16600444)
23. [RESONA HOLDINGS INC — Presentation (2026 Y), p27](https://app.finbar.com/go?id=T15964901)
24. [RESONA HOLDINGS INC — Presentation (2026 Y), p27](https://app.finbar.com/go?id=T15964902)
25. [RESONA HOLDINGS INC — Presentation (2026 Y), p26](https://app.finbar.com/go?id=T15964899)
26. [www.resona-gr.co.jp](https://www.resona-gr.co.jp/holdings/english/newsrelease/pdf/011212.pdf)
27. [www.resona-gr.co.jp](https://www.resona-gr.co.jp/holdings/english/newsrelease/pdf/020301_1a.pdf)
28. [www.resona-gr.co.jp](https://www.resona-gr.co.jp/holdings/english/newsrelease/detail/20180401_759.html)
29. [www.resona-gr.co.jp](https://www.resona-gr.co.jp/holdings/english/newsrelease/detail/20190401_984.html)
30. [www.resona-gr.co.jp](https://www.resona-gr.co.jp/holdings/english/newsrelease/detail/20240401_3383.html)

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