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Rakuten Bank

Rakuten Bank, Ltd.

Company highlights

The largest holder on the register is 楽天グループ株式会社, at 49.3%.

Key figures

Period Apr 2025 to Mar 2026

RevenueDisclosed —
Operating marginCalculated Could not be retrieved
Net assets to total assetsCalculated 2.3%

Company profile

Securities code 5838 / EDINET code E03621 / Banks / Fiscal year end March 31

港区港南二丁目１６番５号／Capital stock ¥32,671 million
Address, capital stock, fiscal year end and industry: the FSA’s EDINET code list.

Official website: https://www.rakuten-bank.co.jp/
Official website: gBizINFO (Ministry of Economy, Trade and Industry).

Company details
東林 知隆 Representative
23 Consolidated subsidiaries

Tables scroll sideways

Disclosed data

Source: Annual Securities Report (Apr 2025 to Mar 2026) · filed 2026-06-22

Profitability Could not be retrieved
Growth Could not be retrieved
Capital efficiency ★★★★★position among all companies 21.7%

Business activities and revenue composition

Breakdown by business: not published

Revenue and profit

Amounts by account
GroupAccountAmountConsolidated / Non-consolidated
Profit by stage Ordinary income ¥103.1 billion Consolidated
Net income ¥73.1 billion Consolidated

Performance, financial position and capital allocation

Finance
2.3% Net assets to total assets Industry median 5.0% FY ending 3/2026 · consolidated / calculated
0.4% Return on assets (ROA)
¥2,127.93 Net assets per share
¥-103.3 billion Free cash flow
¥16,592.1 billion Total assets
Capital allocation
18.9% Property, plant and equipment purchases relative to depreciation ★☆☆☆☆ position among all companies FY ending 3/2026 · consolidated / calculated

Rakuten Bank

Recent performance trends

Source Annual securities reports

103 69 34 0 4 years ago 3 years ago 2 years ago Last year This year Ordinary income ¥ billion

Year-on-year comparison

Period 2022 to 2026Disclosed

Item20222023202420252026
Ordinary revenue ¥106.0B ¥120.4B ¥137.9B ¥184.5B ¥255.6B
Year on year (%) Could not be retrieved +13.6% +14.5% +33.8%◆ +38.5%◆
Ordinary income (loss) ¥27.9B ¥38.7B ¥48.4B ¥71.5B ¥103.1B
Change from prior year Could not be retrieved +38.8% +24.8% +47.9% +44.1%
Ordinary income (loss) as a share of Ordinary revenue 26.3% 32.2% 35.1% 38.8% 40.3%
Change (percentage points) Could not be retrieved +5.8 points◆ +2.9 points◆ +3.7 points◆ +1.6 points

Fiscal periods marked for changes

Earlier fiscal periods (1)
  • 2023Ordinary income (loss) as a share of revenue +5.8 points
  • 2024Ordinary income (loss) as a share of revenue +2.9 points
  • 2025Ordinary revenue year on year +33.8%, Ordinary income (loss) as a share of revenue +3.7 points
  • 2026Ordinary revenue year on year +38.5%

Rakuten Bank

Earnings and net assets per share over time

Unit yenSource Annual securities reports

419 279 140 0 4 years ago 3 years ago 2 years ago Last year This year Earnings per share yen 2,128 1,419 709 0 4 years ago 3 years ago 2 years ago Last year This year Net assets per share yen

Rakuten Bank

Return on equity over time

Unit %Source Annual securities reports

22 14 7 0 4 years ago 3 years ago 2 years ago Last year This year Return on equity (ROE, %)
Consolidated indicators (15 items)
Item4 years ago3 years ago2 years agoLast yearThis year
Ordinary revenue ¥106.0 billion ¥120.4 billion ¥137.9 billion ¥184.5 billion ¥255.6 billion
Ordinary income (loss) ¥27.9 billion ¥38.7 billion ¥48.4 billion ¥71.5 billion ¥103.1 billion
Net income (loss) attributable to owners of parent ¥20.0 billion ¥27.7 billion ¥34.4 billion ¥50.8 billion ¥73.1 billion
Comprehensive income ¥19.7 billion ¥23.8 billion ¥34.5 billion ¥39.2 billion ¥70.0 billion
Net assets ¥206.5 billion ¥231.7 billion ¥279.6 billion ¥319.1 billion ¥389.5 billion
Total assets ¥9,490.7 billion ¥11,589.5 billion ¥13,480.5 billion ¥14,748.6 billion ¥16,592.1 billion
Net assets per share 1,137.52 yen 1,295.31 yen 1,493.84 yen 1,729.9 yen 2,127.93 yen
Basic earnings (loss) per share 121.84 yen 168.37 yen 198.42 yen 291.03 yen 418.76 yen
Diluted earnings per share Could not be retrieved Could not be retrieved 198.41 yen 290.77 yen 418.1 yen
Equity-to-asset ratio 1.9% 1.8% 1.9% 2.0% 2.2%
Return on equity 11.2% 13.8% 14.5% 18.0% 21.7%
Net cash provided by (used in) operating activities ¥1,461.9 billion ¥594.7 billion ¥1,027.9 billion ¥183.8 billion ¥354.3 billion
Net cash provided by (used in) investing activities ¥-496.0 billion ¥-193.6 billion ¥-301.1 billion ¥-732.6 billion ¥-457.6 billion
Net cash provided by (used in) financing activities Could not be retrieved Could not be retrieved ¥13.3 billion ¥-0 ¥-0
Cash and cash equivalents ¥3,649.1 billion ¥4,050.2 billion ¥4,791.1 billion ¥4,241.9 billion ¥4,139.6 billion
Parent only indicators (15 items)
Item4 years ago3 years ago2 years agoLast yearThis year
Ordinary revenue ¥104.8 billion ¥117.7 billion ¥134.1 billion ¥178.1 billion ¥248.4 billion
Ordinary income (loss) ¥29.5 billion ¥40.6 billion ¥50.0 billion ¥72.5 billion ¥104.3 billion
Net income (loss) ¥20.5 billion ¥28.1 billion ¥34.7 billion ¥50.5 billion ¥73.0 billion
Capital stock ¥26.0 billion ¥26.0 billion ¥32.6 billion ¥32.6 billion ¥32.6 billion
Total number of issued shares (common stock) 2,349,000 shares 164,463,000 shares 174,482,000 shares 174,482,000 shares 174,499,000 shares
Net assets ¥183.5 billion ¥209.3 billion ¥255.7 billion ¥297.8 billion ¥365.8 billion
Total assets ¥9,647.8 billion ¥11,694.2 billion ¥13,527.7 billion ¥14,705.8 billion ¥16,438.8 billion
Net assets per share 1,115.7 yen 1,272.44 yen 1,465.44 yen 1,704.37 yen 2,092.02 yen
Deposits outstanding ¥7,765.3 billion ¥9,129.9 billion ¥10,540.2 billion ¥11,476.3 billion ¥12,964.5 billion
Loans outstanding ¥2,942.5 billion ¥3,769.1 billion ¥4,029.3 billion ¥4,954.6 billion ¥5,819.7 billion
Securities outstanding ¥816.1 billion ¥980.9 billion ¥1,286.4 billion ¥1,981.7 billion ¥2,345.6 billion
Basic earnings (loss) per share 124.49 yen 170.69 yen 199.87 yen 289.7 yen 418.44 yen
Diluted earnings per share Could not be retrieved Could not be retrieved 199.86 yen 289.44 yen 417.78 yen
Equity-to-asset ratio 1.9% 1.7% 1.8% 2.0% 2.2%
Return on equity 11.7% 14.2% 14.9% 18.2% 22.0%

Shareholder composition

As of 2026-03-31Disclosed

Share ownership by holder category

27,094 Shareholders
33.67% Foreign holders (total) Industry median 15.36%
3.82% Individuals and others Industry median 29.55%

Rakuten Bank

Unit %Source Annual securities reports

  • Financial institutions11.50%
  • Securities firms0.93%
  • Other corporations50.08%
  • Foreign holders (institutions)33.61%
  • Foreign holders (individuals)0.06%
  • Individuals and others3.82%

Major shareholders

RankShareholderShareholding ratioShares held
1 楽天グループ株式会社 49.26% 85,962,580
2 日本マスタートラスト信託銀行株式会社(信託口) 7.37% 12,862,000
3 JP MORGAN CHASE BANK 380634(常任代理人 株式会社みずほ銀行決済営業部) 2.7% 4,716,600
4 株式会社日本カストディ銀行(信託口) 2.3% 4,013,900
5 J.P. MORGAN BANK LUXEMBOURG S.A. 384513 (常任代理人 株式会社みずほ銀行決済営業部) 2.13% 3,723,700
6 BNYM AS AGT/CLTS NON TREATY JASDEC (常任代理人 株式会社三菱UFJ銀行) 1.64% 2,868,672
7 THE CHASE MANHATTAN BANK, N.A. LONDONSECS LENDING OMNIBUS ACCOUNT (常任代理人 株式会社みずほ銀行決済営業部) 1.53% 2,678,276
8 GOLDMAN SACHS INTERNATIONAL(常任代理人 ゴールドマン・サックス証券株式会社) 1.34% 2,346,299
9 GOVERNMENT OF NORWAY (常任代理人 シティバンク、エヌ・エイ東京支店) 1.33% 2,334,916
10 JP MORGAN CHASE BANK 385642(常任代理人 株式会社みずほ銀行決済営業部) 1.25% 2,189,289

Research and development expenses and capital expenditure

Source: R&D and capital expenditure sections, annual securities reports · 1 years (FY 2026)Disclosed

Not disclosed Research and development
¥18.9 billion Capital expenditure

Revenue scale in the same industry

Revenue of this company: not retrieved (no comparison)

Workforce information

Source: Annual Securities Report (Apr 2025 to Mar 2026)Parent-onlyDisclosed

987 Employees (parent only) Industry median 987
37.4 Average age Industry median 41.0
5.5 years Average length of service Industry median 16.7 years
¥7.07 million Average annual salary Industry median ¥7.29 million
People and organisation
63.6% Wage gap between men and women
17.1% Women in managerial positions
Men 487
Women 523 Employees by gender
11 / 64 Female managers
239 Average temporary staff

Administrative filings and published information

Workplace information filings

Filed 2026-07-23Disclosed

ItemValue
Employees 975
Childcare leave taken, men
Scope: その他		 33.3%
Childcare leave taken, women
Scope: その他		 100%
Share of managers who are women 17.2%

Audit and disclosure information

Annual securities report, year ended 2026-03-31Disclosed

ItemValue
Audit firm EY新日本有限責任監査法人
Audit fees (this year, total) ¥71.00 million
Non-audit fees (this year, total) ¥4.00 million
Non-audit fees (this year, network firms) ¥2.00 million
Going concern note Cannot be determined
Accounting standard Japanese GAAP

See the book series →

Sources and methodology

Retrieved disclosed figures

Accounts and values from the annual securities report, by section

Major management indicators (5 years) (30 items)

ItemValueConsolidated / Non-consolidated
Comprehensive income ¥70.0 billion Consolidated
Net cash provided by (used in) operating activities ¥354.3 billion Consolidated
Net cash provided by (used in) investing activities ¥-457.6 billion Consolidated
Diluted earnings per share 418.1 yen Consolidated
Cash and cash equivalents ¥4,139.6 billion Consolidated
Net assets ¥389.5 billion Consolidated
Ordinary income (loss) ¥103.1 billion Consolidated
Ordinary revenue ¥255.6 billion Consolidated
Total assets ¥16,592.1 billion Consolidated
Return on equity 21.7% Consolidated
Equity-to-asset ratio 2.2% Consolidated
Net income (loss) attributable to owners of parent ¥73.1 billion Consolidated
Net cash provided by (used in) financing activities ¥-0 Consolidated
Basic earnings (loss) per share 418.76 yen Consolidated
Net assets per share 2,127.93 yen Consolidated
Net income (loss) ¥73.0 billion Parent only
Securities outstanding ¥2,345.6 billion Parent only
Diluted earnings per share 417.78 yen Parent only
Total number of issued shares (common stock) 174,499,000 shares Parent only
Net assets ¥365.8 billion Parent only
Ordinary income (loss) ¥104.3 billion Parent only
Ordinary revenue ¥248.4 billion Parent only
Total assets ¥16,438.8 billion Parent only
Return on equity 22.0% Parent only
Equity-to-asset ratio 2.2% Parent only
Loans outstanding ¥5,819.7 billion Parent only
Capital stock ¥32.6 billion Parent only
Deposits outstanding ¥12,964.5 billion Parent only
Basic earnings (loss) per share 418.44 yen Parent only
Net assets per share 2,092.02 yen Parent only

Employees (9 items)

ItemValueConsolidated / Non-consolidated
Number of employees 1,186 people Consolidated
Wage gap between men and women (all employees) 63.6% Parent only
Average length of service (years) 5.5 years Parent only
Average annual salary ¥7.07 million Parent only
Average age (years) 37.4 years old Parent only
Number of employees 987 people Parent only
Number of employees 987 people Parent only
Wage gap between men and women (regular employees) 65.9% Parent only
Wage gap between men and women (non-regular employees) 56.6% Parent only

Other disclosed items (10 items)

ItemValueConsolidated / Non-consolidated
Scope1 greenhouse gas emissions 9,012,290 t-CO2e Consolidated
Gross scope 3 greenhouse gas emissions 9,012,151 t-CO2e Consolidated
Average number of temporary employees 239 people Consolidated
Number of consolidated subsidiaries 23 companies Consolidated
Average number of temporary employees 219 people Parent only
Average number of temporary employees 219 people Parent only
Total return on the share price index 132.5% Parent only
Rate of male employees taking childcare leave (regular employees) 77.7% Parent only
Ratio of female employees in managerial positions 17.1% Parent only
Rate of male employees taking childcare leave (non-regular employees) 100.0% Parent only

Shares (8 items)

ItemValueConsolidated / Non-consolidated
Number of shares held 123,696,232 shares Consolidated
Total number of shares held treasury shares etc 100 shares Consolidated
Number of shares 174,499,180 shares Consolidated
Shareholding ratio treasury shares etc 0.0% Consolidated
Shareholding ratio 70.9% Consolidated
Number of shares held in own name treasury shares etc 100 shares Consolidated
Number of voting rights 1,744,488 units Consolidated
Total shareholder return 182.5% Parent only

Property and facilities (1 items)

ItemValueConsolidated / Non-consolidated
Capital expenditures ¥18.9 billion Consolidated

Audit (6 items)

ItemValueConsolidated / Non-consolidated
Fees for audit and attestation services - reporting company ¥71.00 million Consolidated
Fees for audit and attestation services - total ¥71.00 million Consolidated
Fees for non-audit services - reporting company ¥2.00 million Consolidated
Fees for non-audit services - reporting company ¥4.00 million Consolidated
Fees for non-audit services - total ¥2.00 million Consolidated
Fees for non-audit services - total ¥4.00 million Consolidated

Accounts unique to this company (2 items)

ItemValueConsolidated / Non-consolidated
Revenue ¥1.00 million Consolidated
Change in average annual salary from the previous year 12.4% Parent only

Balance sheet (125 items)

ItemValueConsolidated / Non-consolidated
Other ¥0 Consolidated
Valuation difference on available-for-sale securities ¥-23.1 billion Consolidated
Other liabilities liabilities bnk ¥269.6 billion Consolidated
Other assets ¥210.7 billion Consolidated
Other, net ¥4.4 billion Consolidated
Call money liabilities bnk ¥28.2 billion Consolidated
Call loan ¥302.0 billion Consolidated
Software ¥24.1 billion Consolidated
Software in progress ¥16.8 billion Consolidated
Borrowed money liabilities bnk ¥2,812.5 billion Consolidated
Payables under securities lending transactions liabilities bnk ¥9.3 billion Consolidated
Receivables under securities borrowing transactions assets bnk ¥390.3 billion Consolidated
Retained earnings ¥345.0 billion Consolidated
Foreign exchanges liabilities bnk ¥6.9 billion Consolidated
Foreign exchanges assets bnk ¥4.3 billion Consolidated
Buildings, net ¥0.6 billion Consolidated
Provision for directors' bonuses ¥6.00 million Consolidated
Acceptances and guarantees ¥19.2 billion Consolidated
Customers' liabilities for acceptances and guarantees ¥19.2 billion Consolidated
Subscription rights to shares ¥0.8 billion Consolidated
Securities ¥2,324.8 billion Consolidated
Property, plant and equipment ¥5.0 billion Consolidated
Shareholders' equity ¥388.2 billion Consolidated
Accumulated depreciation ¥-6.3 billion Consolidated
Foreign currency translation adjustment ¥6.1 billion Consolidated
Intangible assets ¥40.9 billion Consolidated
Cash and cash equivalents ¥4,139.6 billion Consolidated
Cash and due from banks assets bnk ¥4,139.6 billion Consolidated
Provision for reimbursement of deposits liabilities bnk ¥17.00 million Consolidated
Net assets ¥389.5 billion Consolidated
Net assets ¥389.5 billion Consolidated
Total assets ¥16,592.1 billion Consolidated
Deferred gains or losses on hedges ¥63.00 million Consolidated
Deferred tax assets ¥23.1 billion Consolidated
Treasury stock ¥-0 Consolidated
Valuation and translation adjustments ¥-16.9 billion Consolidated
Negotiable certificates of deposit liabilities bnk ¥7.4 billion Consolidated
Liabilities ¥16,202.6 billion Consolidated
Liabilities and net assets ¥16,592.1 billion Consolidated
Monetary claims bought assets bnk ¥3,198.7 billion Consolidated
Allowance for doubtful accounts ¥-9.6 billion Consolidated
Loans and bills discounted assets bnk ¥5,943.1 billion Consolidated
Capital surplus ¥10.6 billion Consolidated
Capital stock ¥32.6 billion Consolidated
Provision for bonuses ¥0.8 billion Consolidated
Remeasurements of defined benefit plans ¥8.00 million Consolidated
Net defined benefit liability ¥1.8 billion Consolidated
Non-controlling interests ¥17.5 billion Consolidated
Deposit ¥13,046.9 billion Consolidated
Other ¥0 Parent only
Other securities investment securities assets bnk ¥443.9 billion Parent only
Other current liabilities ¥105.9 billion Parent only
Other current assets ¥20.9 billion Parent only
Other deposits ¥97.1 billion Parent only
Other retained earnings ¥344.8 billion Parent only
Valuation difference on available-for-sale securities ¥-23.0 billion Parent only
Other liabilities liabilities bnk ¥267.4 billion Parent only
Other capital surplus ¥1.4 billion Parent only
Other assets ¥207.4 billion Parent only
Other, net ¥2.4 billion Parent only
Call loan ¥302.0 billion Parent only
Call loans and bills bought assets bnk ¥302.0 billion Parent only
Software ¥20.7 billion Parent only
Software in progress ¥16.6 billion Parent only
Borrowings ¥2,812.5 billion Parent only
Borrowed money liabilities bnk ¥2,812.5 billion Parent only
Receivables under securities borrowing transactions assets bnk ¥363.6 billion Parent only
Initial margins of futures markets liabilities other liabilities liabilities bnk ¥15.4 billion Parent only
Initial margins of futures markets other assets assets bnk ¥10.00 million Parent only
Retained earnings ¥344.8 billion Parent only
Unearned revenue ¥3.7 billion Parent only
Prepaid expenses ¥3.9 billion Parent only
Government bonds investment securities assets bnk ¥727.2 billion Parent only
Due from foreign banks our accounts foreign exchanges assets bnk ¥4.3 billion Parent only
Foreign exchanges liabilities bnk ¥6.9 billion Parent only
Foreign exchanges assets bnk ¥4.3 billion Parent only
Short term time deposits ¥2,063.3 billion Parent only
Buildings, net ¥0.6 billion Parent only
Overdrafts loans and bills discounted assets bnk ¥377.5 billion Parent only
Acceptances and guarantees ¥19.2 billion Parent only
Customers' liabilities for acceptances and guarantees ¥19.2 billion Parent only
Subscription rights to shares ¥0.8 billion Parent only
Ordinary deposits deposits liabilities bnk ¥10,804.1 billion Parent only
Securities ¥2,345.6 billion Parent only
Property, plant and equipment ¥3.0 billion Parent only
Accrued income ¥27.3 billion Parent only
Foreign bills payable foreign exchanges liabilities bnk ¥6.9 billion Parent only
Income taxes payable ¥22.7 billion Parent only
Accrued expenses ¥17.5 billion Parent only
Domestic exchange settlement account credit other liabilities liabilities bnk ¥31.6 billion Parent only
Domestic exchange settlement account debit other assets assets bnk ¥38.8 billion Parent only
Shareholders' equity ¥388.0 billion Parent only
Shares ¥2.3 billion Parent only
Accumulated depreciation ¥-4.9 billion Parent only
Intangible assets ¥37.3 billion Parent only
Cash and due from banks assets bnk ¥4,126.9 billion Parent only
Provision for reimbursement of deposits liabilities bnk ¥17.00 million Parent only
Short-term bonds ¥183.6 billion Parent only
Bonds payable ¥988.6 billion Parent only
Net assets ¥365.8 billion Parent only
Net assets ¥365.8 billion Parent only
Total assets ¥16,438.8 billion Parent only
Deferred gains or losses on hedges ¥63.00 million Parent only
Deferred tax assets ¥19.4 billion Parent only
Retained earnings brought forward ¥344.8 billion Parent only
Treasury stock ¥-0 Parent only
Loans on deeds loans and bills discounted assets bnk ¥5,442.2 billion Parent only
Valuation and translation adjustments ¥-22.9 billion Parent only
Liabilities ¥16,073.0 billion Parent only
Liabilities and net assets ¥16,438.8 billion Parent only
Monetary claims bought assets bnk ¥3,198.7 billion Parent only
Allowance for doubtful accounts ¥-8.2 billion Parent only
Loans and bills discounted assets bnk ¥5,819.7 billion Parent only
Capital surplus ¥10.6 billion Parent only
Legal capital surplus ¥9.2 billion Parent only
Capital stock ¥32.6 billion Parent only
Asset retirement obligations ¥0.4 billion Parent only
Provision for bonuses ¥0.7 billion Parent only
Provision for retirement benefits ¥1.8 billion Parent only
Cash collateral received for financial instruments liabilities ¥3.2 billion Parent only
Cash collateral paid for financial instruments assets ¥72.8 billion Parent only
Derivatives other than for trading liabilities other liabilities bnk ¥67.2 billion Parent only
Derivatives other than for trading assets other assets bnk ¥43.7 billion Parent only
Deposit from customer ¥4,126.9 billion Parent only
Deposit ¥12,964.5 billion Parent only

Statement of income (100 items)

ItemValueConsolidated / Non-consolidated
Other comprehensive income ¥-1.9 billion Consolidated
Other interest income oibnk ¥49.6 billion Consolidated
Other interest expenses oebnk ¥13.5 billion Consolidated
Other other income oibnk ¥0.9 billion Consolidated
Other other expenses oebnk ¥2.6 billion Consolidated
Valuation difference on available for sale securities net of tax ¥-4.9 billion Consolidated
Other ordinary income oibnk ¥5.7 billion Consolidated
Other ordinary expenses oebnk ¥0 Consolidated
Other income ¥0.9 billion Consolidated
Other expenses ¥6.6 billion Consolidated
Interest on call money oebnk ¥0.3 billion Consolidated
Interest on call loans oibnk ¥0.7 billion Consolidated
Trust fee ¥1.8 billion Consolidated
Interest on borrowings and rediscounts oebnk ¥1.8 billion Consolidated
Interest on receivables under securities borrowing transactions oibnk ¥0.6 billion Consolidated
Interest on payables under securities lending transactions oebnk ¥0.1 billion Consolidated
Recoveries of written off receivables ¥9.00 million Consolidated
Comprehensive income ¥70.0 billion Consolidated
Net cash provided by (used in) operating activities ¥354.3 billion Consolidated
General and administrative expenses oebnk ¥56.9 billion Consolidated
Loss on disposal of noncurrent assets ¥0 Consolidated
Net income ¥73.1 billion Consolidated
Net income ¥73.1 billion Consolidated
Net income (loss) ¥71.9 billion Consolidated
Net income (loss) ¥71.9 billion Consolidated
Fees and commissions oibnk ¥49.5 billion Consolidated
Fees and commissions payments oebnk ¥33.8 billion Consolidated
Net cash provided by (used in) investing activities ¥-457.6 billion Consolidated
Issuance of new shares ¥54.00 million Consolidated
Interest and dividends on securities oibnk ¥27.1 billion Consolidated
Income taxes - current ¥34.2 billion Consolidated
Income taxes ¥31.2 billion Consolidated
Income taxes - deferred ¥-3.0 billion Consolidated
Foreign currency translation adjustment net of tax ¥3.2 billion Consolidated
Extraordinary loss ¥0 Consolidated
Effect of exchange rate change on cash and cash equivalents ¥1.0 billion Consolidated
Net increase (decrease) in cash and cash equivalents ¥-102.3 billion Consolidated
Income (loss) before income taxes ¥103.1 billion Consolidated
Income (loss) before income taxes ¥103.1 billion Consolidated
Ordinary income ¥103.1 billion Consolidated
Ordinary revenue ¥255.6 billion Consolidated
Ordinary expenses bnk ¥152.5 billion Consolidated
Deferred gains or losses on hedges net of tax ¥-0.2 billion Consolidated
Purchase of treasury stock ¥-0 Consolidated
Comprehensive income attributable to owners of parent ¥69.4 billion Consolidated
Interest on negotiable certificates of deposit oebnk ¥0.2 billion Consolidated
Net cash provided by (used in) financing activities ¥-0 Consolidated
Provision of allowance for doubtful accounts ¥4.0 billion Consolidated
Interest on loans and discounts oibnk ¥96.6 billion Consolidated
Financing expenses ¥55.2 billion Consolidated
Interest income ¥197.6 billion Consolidated
Remeasurements of defined benefit plans net of tax ¥-2.00 million Consolidated
Comprehensive income attributable to non-controlling interests ¥0.6 billion Consolidated
Net income (loss) attributable to non-controlling interests ¥-1.2 billion Consolidated
Interest on deposits with banks oibnk ¥23.0 billion Consolidated
Interest on deposits oebnk ¥39.2 billion Consolidated
Other interest income oibnk ¥48.0 billion Parent only
Other fees and commissions oibnk ¥37.6 billion Parent only
Other fees and commissions oebnk ¥28.8 billion Parent only
Other interest expenses oebnk ¥0.8 billion Parent only
Other other income oibnk ¥0.9 billion Parent only
Other other expenses oebnk ¥1.3 billion Parent only
Other ordinary income oibnk ¥5.7 billion Parent only
Other income ¥0.9 billion Parent only
Other expenses ¥6.3 billion Parent only
Interest on call money oebnk ¥0 Parent only
Interest on call loans oibnk ¥0.7 billion Parent only
Interest on borrowings and rediscounts oebnk ¥1.8 billion Parent only
Interest on receivables under securities borrowing transactions oibnk ¥45.00 million Parent only
Interest on payables under securities lending transactions oebnk ¥9.00 million Parent only
Recoveries of written off receivables ¥9.00 million Parent only
Fees and commissions on domestic and foreign exchanges oibnk ¥11.5 billion Parent only
General and administrative expenses oebnk ¥52.5 billion Parent only
Loss on disposal of noncurrent assets ¥0 Parent only
Gains on foreign exchange transactions ¥5.3 billion Parent only
Net income (loss) ¥73.0 billion Parent only
Net income (loss) ¥73.0 billion Parent only
Fees and commissions oibnk ¥49.2 billion Parent only
Fees and commissions payments oebnk ¥33.6 billion Parent only
Fees and commissions on domestic and foreign exchanges oebnk ¥4.8 billion Parent only
Issuance of new shares ¥54.00 million Parent only
Interest and dividends on securities oibnk ¥27.3 billion Parent only
Income taxes - current ¥33.6 billion Parent only
Income taxes ¥31.3 billion Parent only
Income taxes - deferred ¥-2.3 billion Parent only
Extraordinary loss ¥0 Parent only
Income (loss) before income taxes ¥104.3 billion Parent only
Ordinary income ¥104.3 billion Parent only
Ordinary revenue ¥248.4 billion Parent only
Ordinary expenses bnk ¥144.1 billion Parent only
Purchase of treasury stock ¥-0 Parent only
Provision of allowance for doubtful accounts ¥3.7 billion Parent only
Written off of loans oebnk ¥1.3 billion Parent only
Interest on loans and discounts oibnk ¥93.6 billion Parent only
Financing expenses ¥51.7 billion Parent only
Interest income ¥192.6 billion Parent only
Interest on interest swaps oebnk ¥12.7 billion Parent only
Income from derivatives other than for trading or hedging oibnk ¥0.4 billion Parent only
Interest on deposits with banks oibnk ¥22.9 billion Parent only
Interest on deposits oebnk ¥36.3 billion Parent only

Statement of changes in equity (4 items)

ItemValueConsolidated / Non-consolidated
Total changes during the period ¥70.4 billion Consolidated
Net changes in items other than shareholders' equity ¥-2.7 billion Consolidated
Total changes during the period ¥68.0 billion Parent only
Net changes in items other than shareholders' equity ¥-5.1 billion Parent only

Statement of cash flows (34 items)

ItemValueConsolidated / Non-consolidated
Other ¥-1.3 billion Consolidated
Net increase decrease in call money ope cfbnk ¥6.8 billion Consolidated
Net decrease increase in call loans ope cfbnk ¥-295.7 billion Consolidated
Net increase decrease in borrowed money excluding subordinated borrowings ope cfbnk ¥62.7 billion Consolidated
Net increase decrease in payables under securities lending transactions ope cfbnk ¥-0.3 billion Consolidated
Net decrease increase in receivables under securities borrowing transactions ope cfbnk ¥129.2 billion Consolidated
Loss (gain) on disposal of non-current assets ¥0 Consolidated
Net increase decrease in foreign exchanges liabilities ope cfbnk ¥-3.7 billion Consolidated
Net decrease increase in foreign exchanges assets ope cfbnk ¥4.0 billion Consolidated
Subtotal ¥383.4 billion Consolidated
Increase decrease in provision for directors bonuses ¥0 Consolidated
Proceeds from redemption of securities ¥844.1 billion Consolidated
Purchase of securities inv cfbnk ¥-1,282.8 billion Consolidated
Purchase of property plant and equipment ¥-1.5 billion Consolidated
Proceeds from issuance of common stock ¥0 Consolidated
Share-based payment expenses ¥0.4 billion Consolidated
Income taxes paid ¥-29.1 billion Consolidated
Depreciation ¥7.9 billion Consolidated
Foreign exchange loss (gain) ¥-24.4 billion Consolidated
Purchase of intangible assets ¥-17.4 billion Consolidated
Increase(decrease) in provision for reimbursement of deposits ¥1.00 million Consolidated
Regarding purchase of treasury stock ¥-0 Consolidated
Net increase decrease in negotiable certificates of deposit ope cfbnk ¥-9.7 billion Consolidated
Net decrease increase in monetary claims bought ope cfbnk ¥-287.3 billion Consolidated
Increase decrease in allowance for loan losses ope cfbnk ¥3.3 billion Consolidated
Net decrease increase in loans and bills discounted ope cfbnk ¥-890.1 billion Consolidated
Repayments of financing ¥-50.0 billion Consolidated
Financing expenses ¥55.2 billion Consolidated
Proceeds from fund management ope cfbnk ¥190.1 billion Consolidated
Interest income ¥-197.6 billion Consolidated
Increase (decrease) in provision for bonuses ¥0.1 billion Consolidated
Increase (decrease) in net defined benefit liability ¥0.2 billion Consolidated
Net decrease increase in deposit excluding cash equivalent ope cfbnk ¥-0 Consolidated
Net increase decrease in deposit ope cfbnk ¥1,580.6 billion Consolidated
Basic indicators
ItemValueConsolidated / Non-consolidatedSource
Net cash provided by (used in) operating activities ¥354.3 billion ConsolidatedDisclosed
Number of employees 1,186 ConsolidatedDisclosed
Net assets ¥389.5 billion ConsolidatedDisclosed
Ordinary income ¥103.1 billion ConsolidatedDisclosed
Net income ¥73.1 billion ConsolidatedDisclosed
Total assets ¥16,592.1 billion ConsolidatedDisclosed
Operating margin Not disclosedNot applicableNot calculated (a required value is not disclosed)
Net margin Not disclosedNot applicableNot calculated (a required value is not disclosed)
Sales per employee Not disclosedNot applicableNot calculated (a required value is not disclosed)
Total asset turnover Not disclosedNot applicableNot calculated (a required value is not disclosed)
Net assets to total assets 2.3%ConsolidatedCalculated
How to read the figures, and caveats

Terms

  • Consolidated: the parent company together with the subsidiaries it consolidates
  • Parent-only: the single company that filed the annual securities report
  • Calculated: a disclosed figure put through the formula shown
  • Not disclosed: no such value in the filing (not treated as zero)
  • Not retrieved: a value this page could not extract, including values in the filing that could not be matched. The same item may appear in another table
  • Segment: a business division the company uses in its disclosures
  • Industry median: the middle value among companies in the same industry that disclose the item
  • ★: position when every company is lined up by value (not a judgement of the company)See the formulas
  • Source: document name, period covered, filing date and where it was obtained
  • Tables scroll sideways

Key figures

  • Net assets to total assets 2.3%　Net assets ÷ total assets 　＝ ¥389.5 billion ÷ ¥16,592.1 billion
    Net assets ÷ total assets. The denominator is Total assets (Consolidated, Japanese GAAP).

Company details

  • Representative　President, Representative Director, gBizINFO
  • Consolidated subsidiaries　Annual Securities Report

Business activities and revenue composition

  • Breakdown by business: machine transcription of segment information (business divisions used in disclosures) in the annual securities report. No table where segment sales differ from the disclosed total by more than 1%, or where the company reports a single business

Amounts by account

  • Totals and their component lines together; consolidated and parent-only figures mixed (right-hand column)

Finance

  • Net assets to total assets　Net assets ÷ total assets
  • Return on assets (ROA)　Net income ÷ total assets (consolidated)
  • Net assets per share　Consolidated
  • Free cash flow　Free cash flow: operating cash flow (cash generated by the business) plus investing cash flow (asset purchases, disposals and other investments), consolidated
  • Total assets　Consolidated

Capital allocation

  • ★: position when all companies are sorted by value and cut into fifths (a position, not a rating). The five items with ★: only where both numerator and denominator are available on a consolidated basisSee the formulas
  • Property, plant and equipment purchases relative to depreciation　Purchase of property, plant and equipment ÷ depreciation。Purchase of property, plant and equipment ¥1.5 billion, over depreciation ¥7.9 billion

Year-on-year comparison

  • Year on year: calculated only where the item, reporting range and accounting standard match and the periods are consecutive
  • Comparison basis not confirmed: periods with a change of accounting standard or reporting range, a moved fiscal year end, or an unconfirmed period
  • ◆: a period where revenue moved 20% or more from the prior year, profit as a share of revenue moved 2.0 percentage points or more, or profit or loss changed sign. Item used named in the table and list. Not a ranking of companies

Earnings and net assets per share over time

  • Earnings per share = net profit ÷ shares; net assets per share = net assets ÷ shares. Disclosed values from the key financial indicators of the annual securities report. No share prices used

Return on equity over time

  • Return on equity (ROE): net profit as a proportion of equity. For Japanese companies, the disclosed value in the key financial indicators of the annual securities report (decimals converted to percentages)

Share ownership by holder category

  • Source: ownership table, annual securities report. Percentages as disclosed, calculated on trading units (some companies do not total exactly 100%). Foreign holders (total): institutions and individuals combined. “Individuals and others”: a register category (not necessarily the share actually held by individuals). Industry median: the middle value among companies in Banks that disclose the item (industries with at least 5 companies only).

Major shareholders

  • Source: major shareholders table, annual securities report. Trust bank holdings as written (whose trust is not disclosed)

Research and development expenses and capital expenditure

  • Research and development: total in the R&D section of the annual securities report. Capital expenditure: this year’s actual spending in the capital expenditure overview (not a plan). Years: only those available in the annual securities reports on hand (one to four per company); no row for other years.

Workforce information

  • All four: the reporting company (parent-only), as disclosed in the employee section of the annual securities report. Employees across the consolidated group: 1,186 (a different scope, kept apart from the four above). Industry median: the middle value among companies in Banks that disclose the item (industries with at least 5 companies only).

People and organisation

  • Wage gap between men and women　Women's pay with men's pay set to 100, reporting company
  • Women in managerial positions　Reporting company (parent only)
  • Employees by gender　gBizINFO
  • Female managers　gBizINFO: 11 women among 64 managers
  • Average temporary staff　Consolidated, average headcount other than regular employees

Workplace information filings

  • Source: processed from Shokuba-labo, the workplace information site of the Ministry of Health, Labour and Welfare. Items the company filed only Shokuba-labo

Audit and disclosure information

  • Whether there is a going concern note (the accounting assumption that a company will continue operating), and audit information
  • Audit firm, audit fees, going concern note and accounting standard: facts written in the latest annual securities report and the audit report filed with it (not a judgement of the company). Going concern note: “note” when the note text is present, “not applicable” when the report states nothing to report, “cannot be determined” when neither appears. Note text not reproduced. Amended filings not shown (annual securities reports only)

Data sources and calculation methods

Primary source: the annual securities report of Rakuten Bank, Ltd. on EDINET, the FSA’s disclosure system (free to read)
Corporate number: 5010701022527 / Accounting standard: Japanese GAAP

  • Amounts: machine transcription of EDINET XBRL (no manual re-keying). Long narrative notes are text and not in the account list. Identifiers: machine transcription of the EDINET code list (retrieved 2026-08-22)
  • ★: position of the value calculated from disclosed figures among the 4,240 companies on this site, on a five-step scale. Not a judgement of the company. No forecasts usedThe formulas and how they are counted
  • No rank: net assets as a share of total assets, cash conversion and revenue per employee (size alone does not show quality). Industry median shown for comparison. Cash conversion of 100%: operating cash flow equal to operating profit
  • Profit-and-loss chart: only where “sales − cost of sales − SG&A = operating income” holds between disclosed values. Cost breakdown: the six largest SG&A items
  • Trend charts: key financial indicators of the annual securities report. Amounts in billions of yen (dividend per share in yen). Long-run chart joins reports filed in different years (newer report for overlapping years). Some items stop part-way after a change of accounting standard. A stock split changes the weight of one share. Consolidated and parent-only in separate tables
  • Revenue scale in the same industry: bars of revenue (disclosed values) of companies in the same industry grouping as the industry pages, largest first. Only the top three and the two companies either side of this one. Each company’s latest fiscal year. An order of size, not a ranking of quality or an investment view
  • Share prices: not published (no data source allows redistribution). No share-price-based indicators (such as the price earnings ratio) and no extension of past growth into the future
  • Average age, average length of service and average annual salary: the reporting company alone (the parent). At a holding company, a small head-office staff. Payout ratio (basic facts): dividend per share ÷ consolidated earnings per share, calculated here (the payout ratio in the annual securities report is the reporting company’s figure, on a different basis). Representative and founding date: gBizINFO (Ministry of Economy, Trade and Industry), some companies only
  • “Retrieved disclosed figures”: every value readable as a number from the annual securities report. Company-wide values only (no segment or other breakdowns)
  • Segment table: machine transcription of the segment information in the annual securities report. Business names as labelled by the company in its XBRL. No table where segment sales differ from the disclosed total by more than 1%. Adjustments, corporate, eliminations and “other” left out of the table and the share denominator, as they are not businesses
  • Breakdowns of amounts, not diagrams of how the business works. Who pays whom, and for what, is not in the disclosed figures; no lines drawn from guesswork