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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Rakuten Bank
Rakuten Bank (5838) investor relations material
Rakuten Bank Q2 2027 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2027 earnings summary11 Nov, 2026
Executive summary
H1 FY2026 ordinary income reached ¥163,872m (+38.4% YoY), ordinary profit ¥63,069m (+30.6%) and parent profit ¥43,176m (+26.9%), all record highs.
Earnings growth reflected larger assets and higher investment yields after BOJ rate increases; rising deposit costs and operating expenses partly offset gains.
Financial highlights
Interest income rose 47.6% to ¥133,117m; fees and commissions rose ¥2,649m to ¥26,541m.
Ordinary expenses increased ¥30,729m YoY to ¥100,802m, including ¥42,395m of interest expenses and ¥34,942m of G&A expenses.
September deposits reached ¥13,628,951m; accounts totaled 18.81m, up 8.5%, and main accounts reached 6.1m, up 8.1%.
Net income excluding reorganization costs was ¥44.6bn, up 31.4%; EPS was ¥247.41 versus ¥194.89.
Outlook and guidance
FY2027 group forecast: ordinary income ¥646,779m, ordinary profit ¥189,488m, parent profit ¥115,014m and EPS ¥397.08.
Revised standalone FY2026 forecasts are ordinary income ¥358.2bn, ordinary profit ¥131.4bn and net income ¥92.7bn, assuming a 1.25% policy rate with no further hikes.
FY2029 targets include ordinary profit of at least ¥400bn and annual quantified financial and individual-customer synergies of at least ¥85bn.
A new post-reorganization mid- to long-term vision is targeted for announcement within FY2026.
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Latest events from Rakuten Bank
- Record growth in revenue, profit, and card issuance driven by strategic initiatives and fee revisions.5838
Corporate presentation - Record Q1 profits, improved capital metrics, and upward revised outlook driven by robust growth.5838Q1 2027
- Record profits and strong account growth set the stage for further expansion and FinTech integration.5838Q4 2026
- Record profit and income growth driven by digital expansion and higher yields.5838Q3 2026
- Record profit and income growth, robust digital expansion, and strong FY2025 outlook.5838Q2 2026
- Record profit and income growth driven by interest income and expanding customer accounts.5838Q1 2026
- Q1 FY2024 profit jumped 34% YoY as accounts topped 16 million and digital expansion continued.5838Q1 2025
- Record profit growth and raised guidance as digital banking expands; reorg canceled.5838Q2 2025
- Record profit and customer growth drive double-digit gains and strong outlook.5838Q4 2025
Next Rakuten Bank earnings date
Q3 20278 Feb, 2027
Rakuten Bank
Next Rakuten Bank earnings date
Q3 20278 Feb, 2027
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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.