Resona Holdings is a major Japanese banking group operating through its Resona Bank and Saitama Resona Bank subsidiaries, with a focus on retail banking and small to medium enterprise lending in the greater Tokyo and Osaka metropolitan areas. Resona has been an early adopter of digital transformation in Japanese retail banking, including cashless payments and app-based financial services.

For international investors, Resona Holdings is a Japan-focused retail and SME-oriented banking group, operating through regional bank subsidiaries in the Kansai and Kanto regions. The company's focus on retail banking services, including housing loans, investment products, and digital financial services, positions it as a domestically oriented commercial bank. Resona's high proportion of retail banking revenues and its focus on improving service quality through digital channels are central to its growth strategy.