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Investor Relations14 Oct 2025
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Rakuten Bank (5838) investor relations material
Rakuten Bank Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary6 Aug, 2025
Executive summary
Achieved record highs in ordinary income, ordinary profit, and net income for Q1 FY2025, driven by strong interest income growth and customer acquisition leveraging the Rakuten Ecosystem.
Number of bank accounts surpassed 17 million, with main accounts growing at a faster pace, supporting deposit growth and profitability.
Continued expansion of personal loan products and introduction of new offerings such as reverse mortgages and securities-backed loans to address diverse customer needs.
Launched a shareholder benefit program and published the first integrated report to enhance transparency and shareholder engagement.
Financial highlights
Q1 FY2025 consolidated ordinary income: JPY57.5bn (+40.8% YoY); ordinary profit: JPY23.9bn (+56.8% YoY); net income: JPY16.8bn (+54.1% YoY).
Interest income rose 66.7% YoY to JPY43.6bn, while non-interest income declined 5.4% YoY to JPY13.7bn.
Total deposit balance reached JPY11.7tn (+7.1% YoY); capital adequacy ratio at 10.6% (down 0.7pts YoY).
ROE (annualized, consolidated) improved to 21.6% (+5.1pts YoY); G&A expense ratio improved to 32.3% (-5.5pts YoY).
Profit per share for the quarter was JPY96.48, up from JPY62.59 a year earlier.
Outlook and guidance
FY2025 consolidated forecasts: ordinary income JPY246.8bn (+33.7% YoY), ordinary profit JPY91.2bn (+27.5% YoY), net income JPY64.3bn (+26.7% YoY).
Medium- to long-term targets (FY2026): 25 million accounts, JPY20tn deposits, ordinary income JPY200bn, ordinary profit JPY70bn.
Revising medium- to long-term vision to reflect positive interest rate environment.
Profit per share for the fiscal year ending March 31, 2026 is forecast at JPY368.79.
No dividend is planned for the fiscal year.
Explain Rakuten Bank's bonus interest program.
How did BOJ's policy affect interest income?
Detail securities with fair value exceeding costs.
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Next Rakuten Bank earnings date
Q2 202611 Nov, 2025
Next Rakuten Bank earnings date
Q2 202611 Nov, 2025
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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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