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Rakuten Bank (5838) investor relations material
Rakuten Bank Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary11 Nov, 2025
Executive summary
Achieved record highs in ordinary income, ordinary profit, and net income for 1H FY2025, driven by strong interest income growth and expansion of main accounts and deposits.
Maintained Japan's largest digital bank status with 17.32 million accounts and JPY12.2 trillion in deposits as of September 2025.
Launched new products including a securities-backed loan and a credit-line type reverse mortgage, enhancing customer offerings.
Profit attributable to owners of parent increased 53.5% YoY to JPY34.0bn.
Financial highlights
Ordinary income rose 41.4% YoY to JPY118.3bn; ordinary profit up 55.3% YoY to JPY48.2bn; net income up 53.5% YoY to JPY34.0bn.
Interest income increased 62.7% YoY to JPY90.1bn, while non-interest income remained stable at JPY27.7bn.
Fees and commissions rose by JPY896m YoY to JPY23.9bn, supported by more customers using accounts as primary accounts.
G&A expense ratio improved by 4.7pts YoY to 32.9% despite an 18.3% increase in expenses.
Comprehensive income for the period was JPY36.7bn, up from JPY19.4bn a year earlier.
Outlook and guidance
FY2025 forecasts: ordinary income JPY246.8bn (+33.7% YoY), ordinary profit JPY91.2bn (+27.5% YoY), net income JPY64.3bn (+26.7% YoY).
Medium-term targets (FY2026): 25 million accounts, JPY20tn in deposits, JPY200bn ordinary income, JPY70bn ordinary profit.
No dividend is planned for the fiscal year ending March 31, 2026.
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Next Rakuten Bank earnings date
Q3 202611 Feb, 2026
Next Rakuten Bank earnings date
Q3 202611 Feb, 2026
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Frequently asked questions
Rakuten Bank Ltd is a Japanese financial institution, specializing in internet banking services. Founded in 2000, the bank uses technology to provide a wide array of banking services over the internet, eliminating the need for physical branches. This approach allows Rakuten Bank to serve both individual and corporate customers efficiently. For individuals, the bank offers personal finance services, such as salary receipt, utility and cell phone bill payments, credit card fees, loan repayments, money transfers, overseas remittances, and asset management. On the corporate side, Rakuten Bank utilizes technology to offer tailored banking services, including loans, deposits, and foreign exchange. The company is headquartered in Minato-ku, Tokyo, and its shares are listed on the Tokyo Stock Exchange.
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