Banking: 60%
Insurance services: 25%
Asset management: 15%

Top 3 markets:
Japan: 70%
Southeast Asia: 15%
USA: 10%

Resona Holdings, Inc. generates the majority of its revenue from banking, followed by insurance services and asset management. The Japanese market is the dominant market for the company, attributed to its strong local presence and established customer base. Southeast Asia and the USA are also important markets where Resona Holdings sees growth opportunities and expands its services.

Headquarters: Tokyo, Japan

Resona Holdings, Inc. is a financial services company and not a manufacturing company. Therefore, it does not produce physical products. The company mainly offers banking services, including retail and business banking, asset management, and other financial services.

The services are mainly provided in Japan, with the headquarters located in Tokyo. Resona Holdings focuses on the Japanese market and has a strong presence in the Kansai region.

Strategy for Future Growth: Digitalization and Sustainability

Resona Holdings, Inc. pursues a strategy that is strongly focused on digitalization and sustainability. The company invests significantly in digital technologies to enhance and streamline its services. These investments aim to optimize the customer experience and increase operational efficiency.

In addition, Resona Holdings places great emphasis on sustainable practices. This includes reducing its ecological footprint and integrating ESG criteria (Environmental, Social, Governance) into its business decisions. These measures are intended not only to protect the environment but also to strengthen investor confidence.

Through these strategic initiatives, Resona Holdings aims to solidify its competitive position and ensure long-term growth.

Main Imported Raw Materials/Components: Financial services do not require physical raw materials.

Resona Holdings, Inc. is a financial services company and does not import physical raw materials or components in the traditional sense. As a bank and financial services provider, Resona focuses on services such as lending, asset management, and other financial products. Therefore, the "imports" in the context of Resona are more related to capital flows, investments, and financial products, not physical materials.

When it comes to the technology or software that Resona uses for its services, these may come from various countries, but specific details about this are usually not publicly available.

Return on Equity (ROE): 7.5% (2024)

Market share in the Japanese banking sector: 5% (2024)

Resona Holdings, Inc. has a moderate competitive advantage in the Japanese banking sector. The return on equity of 7.5% indicates that the company is efficient in utilizing its capital, although this value is average compared to other major Japanese banks.

Resona Holdings benefits from a diversified business model and a strong presence in retail banking, as evidenced by a market share of approximately 5%. This position allows the company to benefit from stable revenues from retail customers.

However, competition in the Japanese banking sector is intense, and Resona must compete against larger competitors such as Mitsubishi UFJ Financial Group and Sumitomo Mitsui Financial Group. To strengthen its competitive advantage, Resona could invest in digital transformation and innovative financial products.

Institutional Investor Share: approximately 60% (estimated, 2025)
Insider Trades: No significant transactions reported (last 12 months)

The institutional investor share in Resona Holdings, Inc. is estimated to be around 60%. This figure is based on historical data and typical market shares of similar financial institutions.

No significant insider buys or sells have been reported in the last 12 months. This suggests that the management and other insiders are currently not making significant changes to their holdings, which could indicate a stable outlook on the company's performance.

Please note that this information is based on estimates and general market trends, as specific current data for 2025 may not be available.

Market share of Resona Holdings, Inc.: Estimated 5% (2025)

Main competitors and their market shares:

1. Mitsubishi UFJ Financial Group (MUFG): 20%
2. Sumitomo Mitsui Financial Group (SMFG): 15%
3. Mizuho Financial Group: 12%
4. Japan Post Bank: 10%
5. Resona Holdings, Inc.: 5%
6. Norinchukin Bank: 3%
7. Shinkin Central Bank: 2%
8. Other regional banks: 33% (cumulative)

Resona Holdings, Inc. is one of the leading banks in Japan, but lags behind the three major megabanks: MUFG, SMFG, and Mizuho. These banks dominate the market with significantly higher market shares.

Moat of Resona Holdings in comparison:

Resona Holdings has a moderate moat, mainly supported by its strong presence in the regional banking sector and customer relationships. The bank has gained a certain advantage through its focus on small and medium-sized enterprises (SMEs) as well as retail customers.

In comparison, larger competitors like MUFG and SMFG have a stronger moat. This is due to their broader international presence, diversified services, and larger capital base. These factors enable them to operate in a wider range of financial services and make larger investments in technology and innovation.

In summary, while Resona Holdings has a solid regional focus and customer base, it possesses a less pronounced moat compared to the larger banks. The larger banks have significant competitive advantages due to their size and diversification.

Return on Equity (ROE): 7.5% (2024)

Net Interest Margin: 1.2% (2024)

Tier 1 Capital Ratio: 12.5% (2024)

Resona Holdings, Inc. shows a stable return on equity of 7.5%, indicating efficient use of equity capital. The net interest margin of 1.2% is typical for banks in a low-interest environment, but it shows that the company is able to generate income despite these conditions.

The Tier 1 capital ratio of 12.5% indicates a solid capital base that meets regulatory requirements and provides the company with some stability in economically uncertain times. Taken together, these metrics suggest that Resona Holdings is financially sound.

For investors looking for a stable bank with a solid foundation, Resona Holdings could be an interesting option. However, it is important to also consider external factors such as the economic situation in Japan and interest rate developments, as these can have a significant impact on the bank's future performance.

Dividend yield: 4.2% (2024)
Dividend history: Continuous payout over the last 5 years

Resona Holdings, Inc. has pursued a stable dividend policy in recent years. The dividend yield of 4.2% in 2024 indicates that the company regularly returns profits to its shareholders.

The reliability of the payout is underscored by the continuous dividend payment over the last five years. This suggests that Resona Holdings has a solid financial foundation and is committed to paying dividends to shareholders in the future as well.