Securities Report – 25th Fiscal Period (2025/04/01 – 2026/03/31)

Resona Holdings, Inc. hereby submits its Securities Report for the 25th fiscal period to the Kanto Local Finance Bureau in accordance with the Financial Instruments and Exchange Act. This report aims to provide investors with accurate and comprehensive understanding of the company's management policies, financial position, operating results, and cash flow status.

The 25th fiscal period covers the 12-month period from April 1, 2025, to March 31, 2026. During this period, the company faces diverse challenges, including changes in the domestic and global economic environment, interest rate fluctuations, digital transformation, and climate-related risks. Resona Holdings will advance its strategic initiatives to achieve sustainable growth and enhance shareholder value in response to these evolving conditions.

The company's management policies are centered on customer-centric service delivery, operational efficiency through digital technologies, strengthened risk management, and deepened ESG initiatives. Particular emphasis is placed on personalized banking using AI and big data, collaboration with fintech firms, and revitalizing regional financial services.

Regarding financial position, the company prioritizes maintaining and improving its capital adequacy ratio, prudent management of non-performing loans, and diversification of revenue streams. Additionally, the company is building strategic relationships with investee companies and reviewing overseas operations as a foundation for long-term profit growth.

Resona Holdings will continue enhancing governance transparency and fostering trust through active dialogue with stakeholders. The company hopes this report contributes to a deeper understanding of its business operations.