Resona Holdings Financial Performance and Strength Analysis

Resona Holdings has a strong financial performance, with a total assets size of over ¥40 trillion as of 2022. This massive size makes it one of the largest financial holding companies in Japan.

Its comprehensive financial services business includes banking, securities, and insurance, which contributes to its impressive financial performance. The company's banking business is a significant contributor to its revenue.

Resona Holdings has a diverse customer base, with over 10 million customers across its various business segments. This diverse customer base provides a stable source of income for the company.

The company's financial performance is also supported by its robust capital base, with a capital adequacy ratio of over 10% as of 2022.

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Resona Holdings has consistently delivered strong financial performance, with a net interest income of ¥1.3 trillion in 2020. This significant revenue stream is a result of its extensive network of over 1,000 branches across Japan.

The company's asset quality has also been a key factor in its financial performance, with a non-performing loan ratio of 0.8% as of 2020. This is a testament to the bank's effective risk management strategies.

Resona Holdings' financial performance is also driven by its diversified business model, which includes a range of financial services such as banking, securities, and insurance. This diversification has helped the company to navigate economic downturns and maintain its financial stability.

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Financial Strength is a crucial aspect of a company's overall performance. It's a measure of how well a company can manage its finances and weather any financial storms.

The company's cash-to-debt ratio is a respectable 3.29, indicating that it has a solid balance sheet. This means the company has a manageable amount of debt compared to its cash reserves.

The equity-to-asset ratio is a mere 0.04, which is a red flag. This suggests that the company's assets are not adequately backed by shareholder equity, potentially making it vulnerable to financial shocks.

The debt-to-equity ratio of 2.25 is also a concern, as it indicates that the company's debt is significantly higher than its shareholder equity. This can make it difficult for the company to service its debt and maintain a healthy financial position.

Here are some key financial ratios to keep in mind:

The Piotroski F-Score of 6/9 suggests that the company's financial health is mediocre, with some positive and negative factors at play. The Beneish M-Score of -2.38 indicates that the company is likely not engaged in financial manipulation.

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Resona Holdings, Inc. has 26 analysts covering the company.

These analysts submit estimates of revenue or earnings that are used as inputs to our report, and their submissions are updated throughout the day.

The analysts who submitted estimates are from reputable institutions such as Barclays, BNP Paribas Securities (Asia), and BofA Global Research.

Here are a few of the analysts who submitted estimates:

There are 9 analysts who submitted estimates in total, providing valuable insights into Resona Holdings, Inc.'s financial performance.

Resona Holdings has a diverse investment strategy that includes a mix of traditional and non-traditional investments. The company invests in a wide range of assets such as stocks, bonds, real estate, and private equity.

Resona Holdings has a significant presence in the Japanese banking industry, with a network of over 1,000 branches. This extensive network provides the company with a strong foundation for its investment activities.

The company's investment strategy is guided by a long-term perspective, with a focus on generating stable returns over time. This approach has allowed Resona Holdings to weather economic downturns and maintain its financial stability.

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Resona Holdings has a significant stake in several major Japanese companies, including Shinsei Bank and Resona Bank. These investments have contributed significantly to the company's revenue and profitability.

Resona Holdings' investment strategy is designed to be flexible and adaptable to changing market conditions. The company's experienced investment team is able to quickly respond to market trends and adjust its investment portfolio accordingly.

The company's investment portfolio is diversified across various asset classes, including equities, fixed income, and alternative investments. This diversification helps to mitigate risk and ensure that the company's investments remain stable over time.

Resona Holdings has a strong track record of generating returns on investment, with a consistent history of delivering strong financial performance.

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Resona Holdings is a significant player in the Japanese financial industry, with a long history dating back to 1881. It was established as the Daiwa Bank, Limited.

The company has undergone several mergers and acquisitions over the years, with the most notable being the merger with Nippon Credit Bank in 1999. This move helped Resona expand its operations and increase its customer base.

Resona Holdings is a major shareholder in the Japanese bank Resona Bank, Limited, which provides a wide range of financial services to its customers.

AIB Group plc has a relatively low ESG (Environmental, Social, and Governance) risk rating of 11.4, ranking 53 out of 1024 in the industry.

Mega Financial Holding Co., Ltd. also has a low ESG risk rating of 12.1, placing it 63 out of 1024.

Resona Holdings, Inc. has a significantly higher ESG risk rating of 21.8, falling into the medium-risk category and ranking 334 out of 1024.

Bank of Beijing Co., Ltd. and Bank of Shanghai Co., Ltd. both have medium ESG risk ratings of 26.8 and 28.3 respectively, ranking 537 and 627 out of 1024.

Here's a quick overview of the companies' ESG risk ratings and industry ranks:

Exposure is a critical aspect of how a company interacts with the environment and society. Our exposure score takes into account subindustry and company-specific factors.

Resona Holdings, Inc. has a Medium Exposure, indicating that it is moderately exposed to various material ESG issues. Its business model is likely a key factor in determining this score.

A company's exposure can be influenced by its business model, which can either amplify or mitigate its impact on the environment and society.

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Resona Holdings has three strategic partners and customers. One of its recent partnerships is with Geolo Capital, which was formed on January 1, 2022.

Geolo Capital is based in the United States and has collaborated with Resona and Raksystems Climate Solutions on a project in Barkarbystaden. This partnership aims to utilize the Geolo solution in the housing project.

Resona Holdings has also partnered with The Keiyo Bank, a Japanese bank, on August 24, 2021. However, the details of this partnership are not publicly disclosed.

Another partner of Resona Holdings is Rizal Commercial Banking, a bank based in the Philippines, also partnered on August 24, 2021. Unfortunately, the specifics of this partnership are not available.

Here's a summary of Resona Holdings' partners and customers:

Resona Holdings has been actively involved in mergers and acquisitions, shaping its position in the Japanese banking industry.

The company's latest acquisition was Kansai Mirai Financial Group on March 23, 2021, for an undisclosed valuation of $XXM.

Resona Holdings has a history of significant mergers, including the formation of Daiwa Bank Holdings in December 2001, which later acquired Asahi Bank through a share swap transaction, forming the fifth-largest banking group in Japan.

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Resona Holdings has been quite active in the acquisition scene, with their latest move being the acquisition of Kansai Mirai Financial Group on March 23, 2021. They acquired this company, marking a significant milestone in their growth.

The acquisition of Kansai Mirai Financial Group was a notable one, with a valuation of $XXM. This deal was categorized as an acquisition in the peer-to-peer (P2P) space.

Resona Holdings' acquisition strategy has been focused on expanding their reach and capabilities in the financial sector. This latest move is a testament to their commitment to growth and innovation.

The Resona merger is a prime example of a successful bank merger. Daiwa formed a bank holding company, Daiwa Bank Holdings, in December 2001 to serve as the parent entity of Daiwa, Kinki Osaka Bank, and Nara Bank.

Later that month, Daiwa announced the acquisition of Asahi Bank in a share swap transaction, forming the fifth-largest banking group in Japan. The company was renamed Resona Holdings, Inc. on 1 October 2002.

The consolidation of Daiwa and Asahi operations on 1 March 2003 created Resona Bank, with most of their assets combined. However, this move led to a significant drop in the Resona Group's capital adequacy ratio.

The bank's auditor refused to certify the company's financial statement due to the low capital adequacy ratio, effectively making Resona insolvent.

Resona Holdings, a Japanese bank, is exposed to various material ESG issues that impact its business operations and reputation.

Environmental concerns are a significant challenge for Resona Holdings, with top material ESG issues including climate change and environmental degradation.

Resona Holdings is managing its exposure to these issues through various initiatives, including reducing greenhouse gas emissions and promoting sustainable practices.

Climate change is a pressing concern for Resona Holdings, with the company understanding its exposure to this issue and working to mitigate its impact.

Resona Holdings is also addressing environmental degradation by implementing sustainable practices and reducing waste.

The company's efforts to manage ESG issues are crucial for its long-term success and reputation in the industry.

Resona Holdings' commitment to sustainability is evident in its management of material ESG issues, which is essential for its business operations and reputation.

Resona Holdings is a holding company that has a group of companies under its umbrella. These companies include Resona Bank, Limited, Saitama Resona Bank, Limited, The Kinki Osaka Bank, Limited, and Resona Trust & Banking Company, Limited.

Resona Holdings is listed on the Tokyo Stock Exchange and the Osaka Exchange, and it was previously listed on the London Stock Exchange. This gives investors multiple options for buying and selling shares.

Resona Holdings has a presence in various prefectures, including Osaka Prefecture, Saitama Prefecture, and Tokyo.

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Management is a crucial aspect of a company's overall structure. A strong management system helps a company navigate its environmental, social, and governance (ESG) issues effectively.

The management score assesses the robustness of a company's ESG programs, practices, and policies. Resona Holdings, Inc. has a strong management of ESG material risk, indicating a well-established system in place.

Good management also involves having a clear and effective ESG program. This program should be robust enough to address the company's material risks and opportunities.

Our company has a diverse group of subsidiaries that work together to achieve our goals.

Resona Bank, Limited is one of the key companies within our group, along with Saitama Resona Bank, Limited and The Kinki Osaka Bank, Limited.

These companies have a long history, with Resona Trust & Banking Company, Limited being established in 1918.

Our group companies are listed on several major stock exchanges, including the Tokyo Stock Exchange and the Osaka Exchange.

Here's a list of our group companies:

Our group companies are also part of several major indices, including the TOPIX 100 and the Nikkei 225.

Resona Holdings has made significant strides in its business operations.

The company has been working to strengthen its regional banking network, with a focus on improving customer convenience and services.

Resona Holdings has successfully implemented a unified banking system, allowing for seamless transactions and account management across its network.

The company has also been investing in digital transformation, enhancing its online banking services and mobile apps to cater to the evolving needs of its customers.

As a result, Resona Holdings has seen a significant increase in its online banking transactions and mobile banking users.

Resona Holdings has also been actively involved in community development initiatives, supporting local businesses and contributing to the growth of regional economies.

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