Rakuten Bank, Ltd. · TSE:5838
Rakuten Bank — H1 2025 Earnings Presentation
74 slides from Rakuten Bank's earnings presentation, Nov 11, 2025
Slide 1: FY2025 First Half IR Presentation
FY2025 First Half 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-20251111.xlsx * The figures in the document are truncated bel
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 First 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 Driven by initiatives to acquire new accounts leveraging the Rakuten Group’s customer base, the number of accounts continued to increase, up 1.12 million YoY. Total deposit balance also increased, up JPY1.12tn YoY. The amount of direct debit transactions in September slightly
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 100mm+ membership*1*2 No.1 web brand in Japan*3 Cross-selling Most Popular*4 Deep & Rich Data Point Program × Technology (in Japan) Origination of Unique 100mm+ membership
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 6.2tn SPU*2 (Point rewards ・ favorable interest rate) 13.0mm domestic e-commerce GMS*3 (Point rewards) accounts*8 44.3mm NISA’s Account 62.3% 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: About Our 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: The Consolidated Forecast for FY2025
The Consolidated Forecast for FY2025*1 (JPY bn, consolidated) (JPY bn, consolidated) FY2023 FY2024 FY2025 （Actual) (Actual) (Forecast) YoY Change YoY Change Change % Change % Ordinary Income 137.9 184.5 +46.5 +33.7% ⇒ 246.8 +62.3 +33.7% Ordinary Profit 48.3 71.5 +23.1 +47.8% 91.2 +19.6 +27.5% exclud
Slide 20: Two Pillars of Earnings (Non-Interest Income/Interest Income)
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 21: Our Main Accounts' Growth Momentum
Our Main Accounts’*1 Growth Momentum Main accounts, which are highly profitable and have large deposit balances per account, increased at a faster pace than the total number of accounts. Number of Total Accounts and Main Accounts*1 Average Revenue per Account YoY c.4x Total accounts Main accounts
Slide 22: 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 23: Overview of Results for First Half of FY2025
3 Overview of Results for First Half of FY2025 23
Slide 24: 1H FY2025 Financial Results
1H FY2025 Financial Results Key Financial and Other Data Ordinary Income Ordinary Profit Capital Adequacy Ratio*1 ROE*2 (1H FY2025, consolidated) (1H FY2025, consolidated) (Sep. 2025, consolidated) (1H FY2025, annualized basis, consolidated) JPY 118.3 bn JPY 48.2 bn 10.9 % 21.2 % +41.4% YoY +55.3% Y
Slide 25: Strengthen Deposit Acquisition Initiatives Focusing on Individual Yen Ordinary Deposits
Strengthen Deposit Acquisition Initiatives Focusing on Individual Yen Ordinary Deposits Individual ordinary deposits account for over 70% of Rakuten Bank’s total deposits. Aiming to grow ordinary deposits by more closely integrating into customers’ daily lives with our highly convenient services,
Slide 26: 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 achieved high growth. Ordinary income, gross operating profit, ordinary profit, and profit attributable to owners of the parent all reached record highs for 1
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 (JPY bn, consolidated) 1H 1H Change YoY Change in Ordinary profit （JP
Slide 28: Interest Income (Non-Consolidated)
Non-Interest Interest Interest Income (Non-Consolidated) Income Income The expansion of risk-diversified investment assets led to a steady increase in interest on loans and interest on monetary claims bought. The Bank of Japan’s policy rate hike and accumulation of middle risk assets also contri
Slide 29: Breakdown of Loans and Monetary Claims Bought
Non-Interest Interest Breakdown of Loans and Monetary Claims Bought Income Income Each category of the loans and the monetary claims bought increased in a well-balanced manner. YoY vs24/9（12M） QoQ vs25/3（3M） （JPY bn, non-consolidated） Mar.31, 2024 Mar.31, 2025 Sep.30,2024 Sep.30,2025 (Amount) (Rat
Slide 30: Securities-Backed Loan Balance Has Exceeded JPY10bn
Rakuten Bank's Securities-Backed Loan Balance Has Exceeded JPY10bn Approximately Four Months After the Service Launch A personal loan product that enables customers to obtain financing at one of the lowest rates in the industry* without having to sell their securities holdings . Since its launch
Slide 31: Expanding Middle-Risk Assets
Non-Interest Interest Income Income Expanding Middle-Risk Assets The amount of total middle-risk asset category expanded steadily by over 20% YoY, and the total growth rate of middle-risk assets exceeded the total of loans and monetary claims bought. Total for Categories Including Middle-Risk Asse
Slide 32: 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. Concurrently, actual credit costs decreased YoY, driven by the decline in guaranteed personal loan balances. Credit costs*1 Credit costs Reversa
Slide 33: Balance Sheet Summary
Balance Sheet Summary Non-Interest Income Interest Income Approximately 80% of our investment 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. As borrowings from the Bank of Japa
Slide 34: 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 35: Simulation of Future Net Interest Income (Estimate)
Simulation of Future Net Interest Income (Estimate*1) Based on a simulation with certain assumptions, the net interest income impact, assuming a policy rate increase of +25bp, is approximately JPY13.5bn. The negative impact on net interest income from the gradual repayment of borrowings from the
Slide 36: 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 the number of direct debit transactions surpasses the YoY growth in total sett
Slide 37: General and Administrative Expenses (Non-Consolidated)
General and Administrative Expenses (Non-Consolidated) Even though general and administrative expenses increased by 18.3% YoY, the business scale expansion boosted our management efficiency, and our G&A expense ratio reached 32.9%, improving 4.7ppt from FY2024. We will actively invest across a r
Slide 38: ROE Performance
ROE Performance We will continue to implement measures to achieve a high ROE. Further Business Expansion with Unique Rakuten Ecosystem ROE*1 Non-Interest Income Growth • Further growth through main account*2 acquisition and 21.2% cross-selling 18.0% Enhance Risk/Return Profile • Produce of Gro
Slide 39: Sufficient Capital Adequacy with Disciplined Management
Sufficient Capital Adequacy with Disciplined Management Our capital adequacy ratio remained at a sound level. (remaining largely unchanged since the end of March 2025) Capital Adequacy Ratio*1 (JPY bn, consolidated) Increases in Apr. and After the After the May 2023 implementation of the implement
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: 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) Total 14,000 20.00 12,247 18.00 17.32 97 16.83 12,000 11,476 16.19 93 11,119 164 10,540 94 1,202 16.00 15.23 156 88 915 148 Foreign Currency
Slide 49: Accountholder Demographics
Accountholder Demographics*1 *1: As of Sep. 2025 By Age Penetration Rate*2 by Age Group Under 20s (Millions of accounts) 4% 16 60s and over 5.8% 60s and 20s 14 4.9% 50s over 12% 20.0% 12 18.3% 15% 40s 10 8 23.8% 25.0% 50s 30s 30s 22% 23% 6 20s 4 27.4% 28.8 % 40s 2 16.1% 16.2 % Under 20s 24% 0 3.1% 3
Slide 50: 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 +40.8% +42.0% Interest income 26.1 29.2 34.1 38.6 43.6 46.5 +66.7% +59.2% Non-interest income 14.4 13.4 13.7 13.7 13.7 14.0 -5.4% +4.4%
Slide 51: Financial Summary – Consolidated Balance Sheets
Financial Summary – Consolidated Balance Sheets (JPY bn, consolidated) Mar. 31, 2023 Mar. 31, 2024 Mar. 31, 2025 Sep. 30, 2024 Sep. 30, 2025 Total assets 11,589.5 13,480.4 14,748.6 14,222.7 15,710.3 (incl.) Cash and due from banks 4,050.2 4,791.0 4,241.8 4,970.4 4,563.0 (incl.) Monetary claims bough
Slide 52: 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 +41.2% +41.5% Interest income 25.3 28.2 32.9 37.2 42.4 44.8 +67.5% +58.6% Non-interest income 14.0 12.9 13.2 13.3 13.2 13.5 -5.7% +4
Slide 53: 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 Sep.30, 2024 Sep.30, 2025 Total assets 11,694.2 13,527.6 14,705.8 14,257.6 15,659.8 (incl.) Cash and due from banks 4,039.7 4,782.3 4,231.8 4,960.1 4,549.4 (incl.) Monetary claims
Slide 54: Interest Spread (Non-consolidated)
Interest Spread (Non-consolidated) (%) Six Months Ended Sep. 30, 2024 Six Months Ended Sep. 30, 2025 YoY Change No. Three Months Three Months Three Months Three Months for Interim Ended Jun. Ended Sep. Ended Jun. Ended Sep. Period 30, 2024 30, 2024 30, 2025 30, 2025 Yield on Interest Earning Assets
Slide 55: 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 June 6, 2025) ※Before tax Interest Rate per annum Condition For amounts exceeding For amounts up to ¥3 MM ¥3 MM Interest Rates for None 0.20% Yen Ordinary Deposits Direct debit for Rak
Slide 56: Improved Spreads on the Card Loans (Personal Loans)
Non-Interest Interest Income Income Improved Spreads on the Card Loans (Personal Loans) Effective yields on Card loans (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 extern
Slide 57: Compelling Rakuten Card Securitization Scheme
Non-Interest Interest Income Income Compelling Rakuten Card Securitization Scheme One-stop securitization service Increasing Credit card shopping GTV*3 receivables (Trust) *2 Securitized Senior E-commerce Shopping portion Assets GMS*1 GTV*3 Shopping Funding through Subordinated Portion acceleration
Slide 58: Scheme for the Liquidation of Rakuten Card's Credit Card Receivables
Scheme for the Liquidation of Rakuten Card’s Credit Card Non-Interest Income Interest Income Receivables (Trust Beneficiary Rights) Rakuten Card Co., Ltd. is one of Japan’s largest credit card companies, with more than 32 million cards issued.* In general, when the holder of a credit card uses their
Slide 59: Creating Investment Opportunities through Securitization Business Using Rakuten Trust
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 • Rakuten Card trust beneficiary rights • Other credit card receivables • Accounts receivable, et
Slide 60: 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 61: 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 62: 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 17.3mm accounts*1 (KYC completion) Precise t
Slide 63: Providing a New Customer Experience through BaaS
Providing a New Customer Experience through BaaS*1 Open API*2 Transportation 15.57 mm passengers per day*3 6.02 mm 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-i
Slide 64: 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 65: Digital Bank Share
Japan – Dawn of Banking Digitalization Japan Cashless Payment Ratio*2 80% (aiming to be the global highest level) Japan Post Bank Promoted by 4 17% Japanese Government Achieved approximately 40% % target ahead of schedule (originally set for June 2025). Digital Bank MUFG Bank 15% 42% Share*1 29% (de
Slide 66: 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 67: 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 68: 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 69: 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 70: 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 71: Rakuten Card: Driving the Rakuten FinTech Ecosystem
Rakuten Card: Driving the Rakuten FinTech Ecosystem with a Huge Customer Base CY2024 Q2/CY23 Q2/CY24 Q2/CY25 Q2/CY23 Q2/CY24 Q2/CY25 71
Slide 72: 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) 6.0mm accounts (YoY +11.9%) Transaction “Money Bridge” deposit balance JPY 6.1tn (YoY +8.3%) Automatic deposit makes up 52.3%*2 of Rakut
Slide 73: New Rakuten Members 1 in 4 via Rakuten Payments
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 74: The opinions and forecasts stated in this document reflect the Bank's judgment at the
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.