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Rakuten Bank
Rakuten Bank (5838) investor relations material
Rakuten Bank Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary9 Feb, 2026
Executive summary
Achieved record highs in ordinary income, ordinary profit, and net income for Q1–Q3 FY2025, driven by strong interest income growth and customer acquisition leveraging the Rakuten Ecosystem.
Ordinary income for the nine months ended December 31, 2025, rose 39.1% year-over-year to ¥183,263 million, with ordinary profit up 51.7% to ¥75,106 million and net income up 50.9% to ¥53,119 million.
Deposit balance exceeded ¥13.2 trillion (+10% YoY), with 17.63 million accounts (+7% YoY), maintaining Japan's top digital bank status.
Main accounts, which are highly profitable, grew faster than total accounts, with a main account ratio of 32.9%.
New products and services, such as reverse mortgages, securities-backed loans, and smartphone ATM services, were launched to enhance customer convenience and profitability.
Financial highlights
Interest income rose 56.8% YoY to ¥140,384 million, supported by BOJ policy rate hike and asset accumulation.
Fees and commissions income increased by ¥2,038 million to ¥36,479 million, while non-interest income grew 1.1% YoY.
G&A expense ratio improved to 32.4% (down 4.2pts YoY), despite a 21.4% YoY increase in expenses.
ROE (annualized, Q1–Q3): 21.5% (+4.6pts YoY); capital adequacy ratio: 10.66% (down 0.4pts YoY).
Profit per share for the nine months was ¥304.41, up from ¥201.63 year-over-year.
Outlook and guidance
Full-year FY2025 forecasts revised upward: ordinary income ¥254,376 million (+37.8% YoY), ordinary profit ¥101,262 million (+41.5% YoY), net income ¥71,266 million (+40.3% YoY).
Profit per share for the full year is forecast at ¥408.41.
Assumes BOJ policy rate at 0.75%; further rate hikes could add ¥15.5 billion to net interest income per 25bp increase.
No dividends are planned for the fiscal year; profits prioritized for growth and capital adequacy.
Medium- to long-term vision targets 25 million accounts and ¥20 trillion in deposits by FY2026.
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Next Rakuten Bank earnings date
Q4 202611 May, 2026
Rakuten Bank
Next Rakuten Bank earnings date
Q4 202611 May, 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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