Rakuten Bank, Ltd. · TSE:5838
Rakuten Bank — Q3 FY2025 Earnings Presentation
78 slides from Rakuten Bank's earnings presentation, Feb 20, 2026
Slide 1: FY2025 Third Quarter IR Presentation
FY2025 Third Quarter IR Presentation Rakuten Bank, Ltd. https://www.rakuten-bank.co.jp/corp/english/investors/ * For detailed numerical data, please refer to the data book: https://www.rakuten-bank.co.jp/corp/investors/documents/doc/databook-20260209.xlsx * The figures in the document are truncated
Slide 2: Contents
Contents 1 Rakuten Bank’s Corporate Profile 2 About Our Medium- to Long-Term Vision and Growth Strategy 3 Overview of Results for Third Quarter of FY2025 4 Appendix 2
Slide 3: Rakuten Bank's Corporate Profile
1 Rakuten Bank’s Corporate Profile 3
Slide 4: Corporate Profile
Corporate Profile Name Rakuten Bank, Ltd. In its aim to be the “safe, secure, and most convenient bank,” Rakuten Bank leverages the Rakuten Group’s strengths to develop a host of Established January 14, 2000 distinctive services. Capital JPY32,642mm* Employees 1,149* (consolidated) NBF Shinagawa Tow
Slide 5: Business Overview
Business Overview*1 Both the number of accounts and the deposit balance Consolidated Our growth & stability as Highlights Japan’s largest digital bank KPI reflected in financial figures continued to grow steadily. financial figures Digital bank within No. of new accounts Comparison of account number
Slide 6: Our Philosophy
Our Philosophy Rakuten Bank is aware of our public role and social responsibilities as a bank, and we strive to establish sound efficient business operations based on high self-discipline, to maintain society's unwavering trust and establish value. In addition, as a member of the Rakuten Group, we s
Slide 7: Rakuten Bank's History
Rakuten Bank’s History Sep. 2008 Oct. 2010 April 21, 2023 Became a wholly owned subsidiary Listed on the Entered a capital of Rakuten, Inc.*1 and business alliance Prime Market of with Rakuten, Inc.*1 the Tokyo Stock Dec. 2010 January 2021 Exchange Apr.2009 Acquired the business of Rakuten Became th
Slide 8: Scale of Operations
Scale of Operations Number of accounts continued to maintain a growth pace of over 1 million, with a YoY increase of 1.15 million accounts, driven by the utilization of the Rakuten Group's customer base and the execution of effective marketing strategies. Total deposit balance increased by JPY1.
Slide 9: Three Business Pillars
Three Business Pillars Services for Individual Customers Services for Corporate Customers and Sole Proprietors Three Features Deposits/ Personal asset loans of Our Corporate management Business Overwhelmingly convenient online services The number of companies Transfers/ enabled by using us as their
Slide 10: Robust Synergies with Unique Rakuten Ecosystem
Robust Synergies with Unique Rakuten Ecosystem Unique Ecosystem Trusted and Well-known Brand Customer Acquisition 70+ services*1 One of Japan’s 100mm+ membership*1*2 leading web brands*3 Cross-selling Most Popular*4 Deep & Rich Data Point Program × Technology (in Japan) Origination of Unique 100mm+
Slide 11: One ID / One Point Program
One ID / One Point Program One ID can be used for various Rakuten services. Rakuten Point, our integrated reward point program that allows customers to earn and use points across all Rakuten services, supports effective customer acquisition and encourages repeat usage. Rakuten Points Key figures（As
Slide 12: Efficient Customer Acquisition through the Rakuten Ecosystem
Efficient Customer Acquisition through the Rakuten Ecosystem 100mm+ Rakuten membership*1 Money Bridge JPY 6.4tn SPU*2 (Point rewards ・ favorable interest rate) 13.2mm domestic e-commerce GMS*3 (Point rewards) accounts*8 44.5mm NISA’s Account 61.6% MAU*4*5 No.1*9 of new customers come via Rakuten Gro
Slide 13: Customer Benefits Through Integration with the Rakuten Ecosystem
Customer Benefits Through Integration with the Rakuten Ecosystem By linking their Rakuten member ID with their Rakuten Bank account, customers can earn free ATM and interbank transfer transactions based on usage, and accumulate Rakuten Points through the use of Rakuten Bank services. Happy Program (
Slide 14: Our Unique Service Offering through One App
Our Unique Service Offering through One App… Full-fledged Digital Banking Services Rakuten Ecosystem Deposits / Asset Management Loans Transfer Payment Entertainment Single integrated app comprehensively covering individuals’ everyday life 14
Slide 15: Full-fledged Digital Banking Services
Full-fledged Digital Banking Services Deposits / Asset Management Loans Personal loan Housing loan Deposits (JPY, foreign currency) Education loan FX margin trading Reverse mortgage loan Personal financial management Investment property loans (“Money Support”) Real estate collatera
Slide 16: Medium- to Long-Term Vision and Growth Strategy
2 About Our Medium- to Long-Term Vision and Growth Strategy 16
Slide 17: Medium- to Long-term Vision
Medium- to Long-term Vision With an eye to the arrival of the zero-cash era, in April 2022 a medium- to long-term vision was formulated, indexed to FY2020, in the aim of becoming a leading FinTech company. Consolidated Consolidated Number of accounts (non-consolidated) ordinary income ordinary pro
Slide 18: Progress of Medium- to Long-Term Vision
Progress of Medium- to Long-Term Vision Number of Bank Accounts Ordinary Income CAGR+15.5% （mm, non-consolidated） （JPY bn, consolidated） （Target: >+10%） CAGR +12.4% （Target: >+15%） 25.0 184.5 200.0 16.8 103.3 10.5 FY2020 FY2024 FY2026 FY2020 FY2024 FY2026 Target Target Total Deposit Balance Ordinary
Slide 19: Two Pillars of Earnings
Two Pillars of Earnings (Non-Interest Income/Interest Income) Growth in Non-Interest Income Growth in Interest Income ・Achieve further growth by acquiring main accounts*1 ・Produce of Group's proprietary assets to have a and through cross-selling balanced and diversified loan portfolio ・Balanced expa
Slide 20: Our Main Accounts' Growth Momentum
Our Main Accounts’*1 Growth Momentum The number of highly profitable main accounts with large deposit balances is growing at a faster pace than the total number of accounts. In the analysis of main account usage trends, the number of direct debits per account has increased YoY, indicating a rise
Slide 21: Our Main Accounts' Growth Momentum…
Our Main Accounts’*1 Growth Momentum… Our goal is to increase the number of main accounts by further enhancing convenience and economic efficiency. Convenience Converting customers to Full-fledged services high-loyalty Customer-centric first-class UI/UX Main accounts*1 Economic Benefit Earn
Slide 22: Overview of Results for Third Quarter of FY2025
3 Overview of Results for Third Quarter of FY2025 22
Slide 23: Q3 FY2025 Financial Results
Q3 FY2025 Financial Results Key Financial and Other Data Ordinary Income Ordinary Profit Capital Adequacy Ratio*1 ROE *2 (FY2025 Q1-Q3, consolidated) (FY2025 Q1-Q3, consolidated) (Dec. 2025, consolidated) (FY2025 Q1-Q3, annualized basis, consolidated) JPY 183.2+39.1% YoY bn JPY 75.1 bn 10.6 % 21.5 %
Slide 24: Strengthen Deposit Acquisition Initiatives Focusing on Individual Yen Ordinary Deposits
Strengthen Deposit Acquisition Initiatives Focusing on Individual Yen Ordinary Deposits From July 2025, leveraging Rakuten Bank’s highly convenient services, we began offering a preferential interest rate, Bonus Interest Rate*1, for ordinary yen deposits, aiming to attract ordinary deposits closel
Slide 25: Summary of Consolidated Financial Results
Summary of Consolidated Financial Results Driven by the increase in interest income, ordinary income, ordinary profit, and net income all grew substantially. Ordinary income, ordinary profit, and net income all reached record highs for Q1-Q3. Ordinary Income Ordinary Profit*1 Net Income*1*2 Fore
Slide 26: Revisions to the Consolidated Forecast for FY2025
Revisions to the Consolidated Forecast for FY2025*1 Based on the Q3 results and the policy interest rate hike in December 2025, we have revised upward our consolidated full-year earnings forecast (original forecast) as follows. (JPY bn, consolidated) FY2025 FY2025 FY2024 (Original (Revised (Result
Slide 27: Consolidated Statements of Income
Consolidated Statements of Income Ordinary profit rose significantly, driven by higher interest income resulting from the accumulation of well-diversified investment assets and the Bank of Japan’s policy rate hike. FY2024 FY2025 Change in Ordinary Profit (JPY bn, consolidated) Q1-Q3 Q1-Q3 Change Y
Slide 28: Interest Income (Non-Consolidated)
非金利収益 金利収益 Interest Income (Non-Consolidated) The Bank of Japan’s policy rate hike and accumulation of middle risk assets contributed to the growth in interest on loans and interest on monetary claims bought. We aim to maximize interest income by effectively utilizing capital while controlling r
Slide 29: Loans and Monetary Claims Bought (Main Assets)
Non-Interest Interest Loans and Monetary Claims Bought (Main Assets) Income Income Each category of the loans and the monetary claims bought increased in a well-balanced manner. YoY vs24/12（12M） vs25/3（9M） （JPY bn, non-consolidated） Mar.31, 2024 Mar.31, 2025 Dec.31,2024 Dec.31,2025 (Amount) (Rate)
Slide 30: Expanding Middle-Risk Assets
Non-Interest Interest Income Income Expanding Middle-Risk Assets The total balance of middle-risk assets expanded steadily by over 30% YoY, with their growth rate significantly exceeding that of our main assets. Total for Categories Including Middle-Risk Assets (JPY bn, non-consolidated) Personal
Slide 31: Credit Costs (Non-Consolidated)
Credit Costs (Non-Consolidated) Credit cost ratio remained at a low level, while credit costs rose due to an increase in non-guaranteed personal loans. Provision of general allowance for loan losses increased based on the performance of some project transactions in the securitization business. C
Slide 32: Balance Sheet Summary
Balance Sheet Summary Non-Interest Interest Income Income Approximately 80% of our main assets adopt floating rates, the vast majority of which are linked to TIBOR. Interest on due from the BoJ also fluctuates in line with the changes in the policy rate. Although borrowings from the BoJ will gra
Slide 33: Status of Investment in Marketable Securities, etc.
Status of Investment in Marketable Securities, etc.*1 Non-Interest Income Interest Income In order to improve the yield on surplus funds while maintaining liquidity, we gradually and selectively increased loans to the Ministry of Finance and investments in marketable securities, taking interest ra
Slide 34: Simple Simulation of Future Net Interest Income
Simple Simulation of Future Net Interest Income Based on a simple simulation, the net interest income impact, with a 25bp policy rate hike, is approximately +JPY15.5bn. Following the termination of the loan support program*1, borrowings from the BoJ will be gradually repaid on a quarterly basis.
Slide 35: Non-Interest Income (Non-Consolidated)
Non-Interest Income (Non-Consolidated) Non-Interest Interest Income Income Core non-interest income sources, such as exchange/settlement commissions, and direct debit fees, continue to grow steadily. The YoY growth in total settlements, a key indicator of account activity, has exceeded the YoY g
Slide 36: General and Administrative Expenses (Non-Consolidated)
General and Administrative Expenses (Non-Consolidated) Even though general and administrative expenses increased by 21.4% YoY, management efficiency improved due to the business scale expansion, with the G&A expense ratio reaching 32.4%, improving 4.2ppt from FY2024. While monitoring the effects
Slide 37: Strategic Investment Direction
Strategic Investment Direction We view the coming years as a phase of business expansion and plan to actively increase selective investments to lay a foundation for growth. While actual G&A expenses are expected to increase, we aim to expand profits by strengthening yield enhancement, and levera
Slide 38: ROE Performance
ROE Performance We will continue to implement measures to achieve a high ROE. Further Revenue Growth with Unique Rakuten Ecosystem ROE*1 Non-Interest Income Growth • Further growth through main account*2 acquisition and 21.5% cross-selling 18.0% Interest Income Growth: Boosting Yield Enhanceme
Slide 39: Sufficient Capital Adequacy with Disciplined Management
Sufficient Capital Adequacy with Disciplined Management Despite a slight decrease due to the accumulation of risk-weighted assets, capital adequacy ratio remained at a sound level. Capital Adequacy Ratio*1 (JPY bn, consolidated) Increases in April and After the After the May 2023 implementation of
Slide 40: Our Dividend Policy
Our Dividend Policy Dividend Policy: No Dividends Maintained. Shareholder Returns Through Enhanced Corporate Value Driven by Business Expansion. Our Thoughts on Capital and Prioritize further growth over View on the Capital Adequacy Ratio dividends for the near term (%) While accumulating risk a
Slide 41: Appendix
4 Appendix 41
Slide 42: Tomotaka Torin
Career Summary • Born in Tokyo • Apr 1988 Joined The Long-Term Credit Bank of Japan, Limited (now SBI Shinsei Bank, Ltd.) • Sep 1998 Joined Asian Development Bank • Jan 2001 Joined The Industrial Bank of Japan, Ltd. (now Mizuho Bank, Ltd.) • Sep 2006 Joined Rakuten Securities, Inc. Joined the Rakute
Slide 43: Key Employment History
Key Employment History Apr 1988 Joined The Long-Term Credit Bank of Japan, Ltd. (now SBI Shinsei Bank, Ltd.) Engaged in derivative transaction-related operations and financial product development Jun 1997 Studied aboard on government scholarship at the Tuck School of Business at Dartmouth College (M
Slide 44: Business Operations Going Forward
Business Operations Going Forward While keeping our core strategy essentially unchanged, Plans to revise the medium- to long-term vision, which we aim to further expand and strengthen existing had been based on the assumption of negative initiatives interest rates Efficiently acquire customers at lo
Slide 45: Strong Commitment by Experienced Management
Strong Commitment by Experienced Management*1 Executive Manager • Sales＆Product Planning (Personal ・Risk Management ・Credit ・Finance ・Data Intelligence customers) ・Tokyo Center ・Compliance ・Planning ・System • Sales＆Product Planning(Corporate customers) Mika Matsumoto Kenji Takeuchi Tatsuya Misawa Ta
Slide 46: Disciplined Corporate Governance
Disciplined Corporate Governance*1 3 Outside Directors out of 5 Directors Banking Regulations Hiroshi Mikitani Tomotaka Torin Chairman President & CEO Group Arm’s- Eiji Ebinuma Masatsugu Nagato Kayoko Kawamura Synergies Length Outside director Outside director Outside director 3 Outside Auditors out
Slide 47: Our SDGs Initiatives
Our “SDGs” Initiatives Contributing to a healthy and economically prosperous society through “SDGs” “SDGs” × Gender • Percentage of women in managerial “SDGs” × Education positions*1: People • Host seminars for - Reached our initial target of more than 33% by financial education for students end-Mar
Slide 48: ESG Data: Environment 1
Notes on terminology used in the table ESG Data: Environment 1 ・Bank: Rakuten Bank, Ltd. ・Trust: Rakuten Trust Co., Ltd. ・RICB: Rakuten International Commercial Bank Data marked with ✓ have been third-party assured. Co., Ltd. FY2024 Item Coverage Unit CY2021 CY2022 CY2023 FY2024 Third-party assuranc
Slide 49: ESG Data: Environment 2
Notes on terminology used in the table ESG Data: Environment 2 ・Bank: Rakuten Bank, Ltd. ・Trust: Rakuten Trust Co., Ltd. ・RICB: Rakuten International Commercial Bank Co., Ltd. Item Coverage Unit FY2021 FY2022 FY2023 FY2024 Environmental data Outstanding balance of environment-related *7 Bank Billion
Slide 50: ESG Data: Social
Notes on terminology used in the table ESG Data: Social ・Bank: Rakuten Bank, Ltd. ・Trust: Rakuten Trust Co., Ltd. ・RICB: Rakuten International Commercial Bank Co., Ltd. Item Coverage Unit FY2021 FY2022 FY2023 FY2024 Social data Total No. of employees*1 Bank, Trust, Persons 925 1,001 1,056 1,076 No.
Slide 51: ESG Data: Governance
ESG Data: Governance Notes on terminology used in the table ・Bank: Rakuten Bank, Ltd. ・Trust: Rakuten Trust Co., Ltd. ・RICB: Rakuten International Commercial Bank Co., Ltd. Item Coverage Unit FY2021 FY2022 FY2023 FY2024 Governance data*1 Board of Directors*2 No. of directors Persons 5 5 5 5 No. of f
Slide 52: Number of Accounts, Deposit Balance (Non-Consolidated)
Number of Accounts, Deposit Balance (Non-Consolidated) Number of Accounts (Non-Consolidated) Deposit Balance (Non-Consolidated) (Millions of accounts) (JPY bn) 14,000 13,288 20.00 Total 98 12,071 166 18.00 17.63 97 1,616 16.83 12,000 11,476 153 16.48 93 903 10,540 156 16.00 15.23 88 915 Foreign Curr
Slide 53: Accountholder Demographics
Accountholder Demographics*1 *1: As of Dec. 2025 By Age Penetration Rate*2 by Age Group Under 20s (Millions of accounts) 4% 16 60s and over 6.0% 60s and 20s 14 5.1% 50s over 12% 20.4% 15% 12 18.7% 40s 10 24.1% 25.3% 50s 30s 8 30s 22% 23% 6 20s 4 27.8% 29.1 % 40s 2 16.1% 16.4 % Under 20s 24% 0 3.1% 3
Slide 54: Quarterly Consolidated Financial Summary
Quarterly Consolidated Financial Summary FY2024 FY2025 YoY (JPY bn, consolidated) Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Ordinary income 40.8 42.8 48.0 52.8 57.5 60.8 64.9 +40.8% +42.0% +35.0% Interest income 26.1 29.2 34.1 38.6 43.6 46.5 50.1 +66.7% +59.2% +47.1% Non-interest income 14.4 13.4 13.7 13.
Slide 55: Financial Summary – Consolidated Balance Sheets
Financial Summary – Consolidated Balance Sheets (JPY bn, consolidated) Mar. 31, 2023 Mar. 31, 2024 Mar. 31, 2025 Dec. 31, 2024 Dec. 31, 2025 Total assets 11,589.5 13,480.4 14,748.6 15,382.1 16,887.1 (incl.) Cash and due from banks 4,050.2 4,791.0 4,241.8 5,202.7 4,921.5 (incl.) Monetary claims bough
Slide 56: Quarterly Non-consolidated Financial Summary
Quarterly Non-consolidated Financial Summary FY2024 FY2025 YoY (JPY bn, consolidated) Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Ordinary income 39.5 41.3 46.3 50.8 55.8 58.5 63.3 +41.2% +41.5% +36.6% Interest income 25.3 28.2 32.9 37.2 42.4 44.8 49.1 +67.5% +58.6% +49.4% Non-interest income 14.0 12.9 13.2
Slide 57: Financial Summary – Non-consolidated Balance Sheets
Financial Summary – Non-consolidated Balance Sheets (JPY bn, non-consolidated) Mar. 31, 2023 Mar. 31, 2024 Mar. 31, 2025 Dec. 31, 2024 Dec. 31, 2025 Total assets 11,694.2 13,527.6 14,705.8 15,386.7 16,813.7 (incl.) Cash and due from banks 4,039.7 4,782.3 4,231.8 5,190.7 4,907.5 (incl.) Monetary clai
Slide 58: Interest Spread (Non-consolidated)
Interest Spread (Non-consolidated) (%) Nine Months Ended Dec. 31, 2024 Nine Months Ended Dec. 31, 2025 Three Three Three Three Three Three YoY Change No. Months Months Months Months Months Months for Q1-Q3 Ended Jun. Ended Sep. Ended Dec. Ended Jun. Ended Sep. Ended Dec. Period 30, 2024 30, 2024 31,
Slide 59: Enhanced Bonus Interest Rate Program for Yen Ordinary Deposit Accounts
Enhanced Bonus Interest Rate Program *1 for Yen Ordinary Deposit Accounts Effective from July 1, 2025 (Announced on Jan 19, 2026) ※Before Tax Interest Rate Per Annum Condition For Amounts For Amounts up to ¥3MM Exceeding ¥3 MM Interest Rates for Yen None 0.30% Ordinary Deposits Preferential Rate Dir
Slide 60: Improved Spreads on the Personal Loans
Non-Interest Interest Income Income Improved Spreads on the Personal Loans Effective yields on Personal Loans comprise two layers. Non-guaranteed balance: yield - ratio of allowance for loan losses = (1) effective yield on non-guaranteed personal loans Balance with external guarantees: yield - loa
Slide 61: Securitization of Rakuten Card Credit Card Receivables
Non-Interest Interest Income Income Securitization of Rakuten Card Credit Card Receivables Utilizing the Rakuten Ecosystem Rakuten Domestic Outstanding Balance of Securitized Rakuten Card Shopping GTV*2 Rakuten Card Credit Card Receivables E-commerce GMS*1 (JPY tn in Last 12 months) (JPY tn in Last
Slide 62: Creating Investment Opportunities through the Securitization Business
Non-Interest Interest Creating Investment Opportunities on Our Own through the Income Income Securitization Business that Utilizes Rakuten Trust Monetary claims Example of a Scheme (Simplified) Arranger • Credit card receivables (Rakuten Card and other credit cards) • Accounts receivable, etc. Rakut
Slide 63: Data Technology to Enlarge Our Interest Income
Non-Interest Interest Income Income Data Technology to Enlarge Our Interest Income Improve accuracy Advanced Credit Scoring – Expand credit access EC – Drive loan growth Contents Travel – Reduce credit cost Sports Commu- FinTech nity Mobile Optimized Marketing – Accelerate customer acquisition – Enh
Slide 64: Rakuten Bank's Ability to Lead Digitalization
Rakuten Bank’s Ability to Lead Digitalization A corporate mindset of specializing in digital and cashless (1) Impact on earnings improvement No possession of legacy assets (branches/own ATMs) Utilization of state-of-the-art technology Service creation with an in-depth understanding of custom
Slide 65: Promising Data Monetization Opportunities
Promising Data Monetization Opportunities Our unique advantages enable us to expand the advertising business and improve the marketing efficiency of our banking services Rich Data Targeting Reach Sales of advertising solutions to external parties 17.6mm accounts*1 (KYC completion) Precise targ
Slide 66: Providing a New Customer Experience through BaaS
Providing a New Customer Experience through BaaS*1 Open API*2 Transportation 16.08 mm passengers per day*3 6.08mm cardholders*4 （Launched May 9,2024） The Ogaki Kyoritsu Bank Entertainment Retail THE NISHI-NIPPON CITY BANK Real Estate/ Housing Other Regional Banks Life Insurance (“Rakuten Bank Dai-ic
Slide 67: Providing JRE BANK service jointly with JR East Group
Providing JRE BANK service jointly with JR East Group Service started on May 9, 2024. Realize a new financial service experience by providing benefits that take advantage of the assets (stations, trains, commercial facilities, etc.) and business areas (transportation, distribution and service, r
Slide 68: Digital Bank Share
Japan – Dawn of Banking Digitalization Japan Cashless Payment Ratio*2 (aiming to be the global highest level) Promoted by Japan Post Bank Japanese Government 4 16% 80% Achieved approximately 40% % target ahead of schedule (originally set for June 2025). Digital Bank MUFG Bank 15% 42% Share*1 29% (de
Slide 69: Banking in a Cashless Era
Banking in a Cashless Era The industry’s widest range of instruments for cashless payment Debit Cards Prepaid Card Direct Payment for code payment Rakuten Bank Card Service Linkage with Rakuten Card via Direct Debit (Rakuten Card Combined with Cash Card) Interest on ordinary deposits is more fav
Slide 70: Implementation of Shareholder Benefit Program
Implementation of Shareholder Benefit Program（Announced on August 25, 2025） Introduced a shareholder benefit program, based on which we also expect an increase in salary receiving accounts, one of the important factors toward achievement of our medium- to long-term vision. Purpose of Shareholder B
Slide 71: Rakuten International Commercial Bank in Taiwan
Rakuten International Commercial Bank in Taiwan Company Overview Group Structure Company RAKUTEN INTERNATIONAL COMMERCIAL BANK CO., LTD. Name (Joint Venture) Establishment May 18, 2020 Rakuten Card Co., Ltd. IBF Financial Holdings Co., Ltd. 50% 1% 49% Operation Since January 19, 2021 Electronic bank
Slide 72: Organizational Chart of Rakuten Group
Organizational Chart of Rakuten Group*1 Rakuten Group, Inc. (TSE: 4755) Internet Services business 49.26% Insurance Credit Card 85.01 %*4 100% 100% Mobile 100% business business business Rakuten Bank, Rakuten Card Rakuten Rakuten Insurance Rakuten Mobile, Other domestic Ltd. 4.72% Co., Ltd. Securiti
Slide 73: The History of the FinTech Segment within the Rakuten Group
The History of the FinTech Segment* Within the Rakuten Group September 2004 April 2013 Rakuten fully acquires Rakuten Group rebrands Aozora Card Co., Ltd. AIRIO Life Insurance as (currently known as Rakuten Life Insurance Co., Rakuten Card Co., Ltd.). Ltd. (Life Insurance) June 2005 Rakuten commence
Slide 74: Rakuten Card: Driving the Rakuten FinTech Ecosystem
Rakuten Card: Driving the Rakuten FinTech Ecosystem with a Huge Customer Base CY2024 Q3/CY23 Q3/CY24 Q3/CY25 Q3/CY23 Q3/CY24 Q3/CY25 74
Slide 75: Rakuten Securities: Achieving High Customer Loyalty through Money Bridge
Rakuten Securities: Achieving High Customer Loyalty through “Money Bridge” How Money Bridge Works Huge Presence and Rapid Growth of Money Bridge (non-consolidated) 6.2mm accounts (YoY +12.5%) Transaction “Money Bridge” deposit balance JPY 6.6tn (YoY +7.1%) Automatic deposit makes up 50.3%*2 of Rakut
Slide 76: Rakuten Payment: Developing Leading Services in Japan
Rakuten Payment :Developing Leading Services in Japan Centered on Payment and Marketing Service Lineup Cashless payment service (QR Code*2/barcode/touch payment/ Rakuten Payment Revenue*1 Suica payment /Online payment, etc.) (JPY bn) Common point service Entrance to Rakuten Group IC type electronic
Slide 77: Rakuten Mobile: Surpassed 10mm Subscribers
Rakuten Mobile: Surpassed 10 MM Subscribers, Accelerates Mutual Customer Referrals with Rakuten Bank Due to Rakuten Mobile's large young subscriber base, collaboration with them is crucial for us. Subscribers who utilize Rakuten Group services demonstrate high loyalty to the Rakuten bland, and t
Slide 78: Cautionary note on opinions and forecasts
The opinions and forecasts stated in this document reflect the Bank's judgment at the time these materials were prepared. The Bank does not guarantee the accuracy of the information contained herein. Please note that actual performance and results may differ significantly due to various factors.