Mission Statement, Vision, & Core Values (2026) of Resona Holdings, Inc.

Resona Holdings, Inc., rooted in the 1918 founding of Osaka Nomura Bank and reestablished as a group in 2002, sits in Tokyo as a major Japanese financial services player operating through Resona Bank and Saitama Resona Bank, reporting for the fiscal year ending March 31, 2025 operating income of ¥122,135 million and net income attributable to owners of the parent of ¥263,048 million, backed by a workforce of roughly 30,000 employees and a growing focus on sustainability and digitalization; its mission to deliver peace of mind and partner with regional communities drives investments in AI and customer-centered services, while the long-term vision to be the "Retail No. 1" solution group frames strategic priorities around customer support and regional engagement, and the Resona WAY codifies core values-integrity, transparency, community contribution and respect for employees-that guide promises to customers, shareholders, society and staff as the group pursues reform, creativity and tailored financial solutions for retail and corporate clients alike

Resona Holdings, Inc. (8308.T) - Intro

• Founded: 2002 (origins: Osaka Nomura Bank, 1918)
• Headquarters: Tokyo, Japan
• Primary subsidiaries: Resona Bank; Saitama Resona Bank
• Employees: ~30,000
• Strategic emphasis: Digital/AI integration, ESG & community development

Mission

• Deliver trusted, accessible financial services to individuals and corporates across Japan.
• Support regional economies and communities-particularly in Saitama and the Kansai area-through inclusive banking.
• Pursue sustainable value creation for stakeholders while maintaining financial stability.

Vision

• Be the preferred regional and national financial partner by combining human touch with advanced digital services.
• Lead in sustainable finance and carbon-reduction initiatives among Japanese banks.
• Transform operations with AI and cloud-native platforms to improve customer experience and productivity.

Core Values

• Customer-first stewardship - prioritize long-term client trust and service quality.
• Community commitment - active investment in local development and financial inclusion.
• Integrity and compliance - strong governance and risk management culture.
• Innovation with responsibility - apply AI and digital tools ethically to enhance outcomes.
• Sustainability - measurable reductions in carbon emissions and promotion of green finance.

Strategic Priorities & KPIs

• Profitability: sustain positive net income and improve operating income efficiency (FY2025 operating income: ¥122,135 million; net income attributable: ¥263,048 million).
• Digital adoption: expand AI-driven services for retail and corporate clients to reduce transaction costs and speed decisioning.
• ESG targets: lower group carbon footprint, increase green lending and community investment programs.
• Human capital: maintain workforce (~30,000) while upskilling staff for digital roles.

Resona Holdings, Inc. (8308.T) - Overview

• Customer-centric focus: tailor-made financial solutions to meet evolving household and corporate needs, from everyday banking to business succession and regional revitalization.
• Community engagement: active support for local economic revitalization, financial literacy, and sustainable development projects across Resona's operating regions.
• Persistent reform and creativity: ongoing organizational transformation, process improvement, and product innovation to anticipate future client needs.
• Technology and digital transformation: prioritized investment to improve operational efficiency and customer experience across channels.

• Peace of mind for customers - reflected in service metrics: branch NPS improvement targets, digital adoption rates, and reductions in complaint ratios through upgraded processes.
• Addressing diverse regional challenges - channeling financing and advisory services toward SME support, regional infrastructure, and community development projects.
• Reform and creativity - pursuing cost-to-income ratio improvements and productivity gains via process automation and organizational reform.
• Innovation & technology - boosting digital transaction share, expanding online account penetration, and modernizing core banking platforms.
• Community contribution - measurable outcomes include financial literacy sessions delivered, community loans disbursed, and sustainability-backed financing volumes.

• Investment profile: multi-year capex and IT budgets prioritize cloud migration, API platforms, AI-enabled customer support, and cybersecurity.
• Product tailoring: segment-specific deposit, lending, and advisory packages for households, SMEs, and local governments.
• Performance KPIs: customer satisfaction, digital adoption rate, time-to-issue loans, and default ratios monitored to align strategy with mission.

• Commitment to regional revitalization through loans, guarantees, and advisory support targeted at local industry and infrastructure projects.
• Promotion of ESG-aligned financing and internal decarbonization initiatives to support Japan's climate goals.
• Delivery of financial education and inclusion programs to increase access and resilience for regional populations.

Resona Holdings, Inc. (8308.T) Mission Statement

• Be the leading provider of comprehensive financial solutions tailored to retail customers, aiming to exceed competitors in customer satisfaction and service quality.
• Deepen community engagement to be a trusted partner for regional societies and local economies.
• Deliver steady, sustainable financial performance to support long-term customer relationships and regional development.

• Customer-first product redesign: simplified digital onboarding, expanded personal finance advisory, and tailored mortgage and consumer lending packages aimed at increasing wallet share among retail clients.
• Regional collaboration: targeted financing for SMEs and local public projects, advisory hubs embedded in regional centers, and partnership programs with municipalities to stimulate local economies.
• Operational focus: channel integration (branch + digital), efficiency programs to redeploy savings into frontline customer service, and investment in financial wellness education for communities.

Resona Holdings, Inc. (8308.T) Vision Statement

• Delivering integrity-driven, customer-first financial services that reinforce trust and long-term relationships.
• Maximizing corporate value through sound, transparent management and steady returns for shareholders.
• Contributing to regional societies and adhering to social norms as a responsible corporate citizen.
• Fostering an empowering workplace where employees are evaluated fairly and encouraged to take on creative challenges.

• To customers: provide honest, high-quality services; prioritize customer confidence; respond fully to customer needs.
• To shareholders: pursue sustainable corporate value; return appropriate profits; maintain transparent governance.
• To society: be recognized for meaningful contributions; follow societal rules; support regional communities.
• To employees: respect dignity and personality; create pride in the workplace; evaluate ability and achievement fairly; encourage challenge and creativity.