Rakuten Bank Income Statement

Financials in millions JPY. Fiscal year is April - March.

Millions JPY. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '25 Sep 30, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Interest Income on Loans	81,035	67,770	55,569	48,431	44,916	45,375
Interest Income on Investments	81,935	60,414	28,949	20,579	14,894	14,123
Total Interest Income	162,970	128,184	84,518	69,010	59,810	59,498
Interest Paid on Deposits	27,521	16,237	7,244	5,730	4,813	3,408
Interest Paid on Borrowings	14,234	10,892	3,881	902	254	143
Total Interest Expense	41,755	27,129	11,125	6,632	5,067	3,551
Net Interest Income	121,215	101,055	73,393	62,378	54,743	55,947
Net Interest Income Growth (YoY)	43.36%	37.69%	17.66%	13.95%	-2.15%	-
Trust Income	1,738	1,660	1,464	1,239	961	823
Gain (Loss) on Sale of Assets	-1	-1	-79	-	-1	-73
Other Non-Interest Income	54,527	54,690	51,968	50,196	45,255	43,065
Total Non-Interest Income	56,264	56,349	53,353	51,435	46,215	43,815
Non-Interest Income Growth (YoY)	1.70%	5.62%	3.73%	11.29%	5.48%	-
Revenues Before Loan Losses	177,479	157,404	126,746	113,813	100,958	99,762
Provision for Loan Losses	3,184	3,999	2,469	1,435	122	649
Revenue	174,295	153,405	124,277	112,378	100,836	99,113
Revenue Growth (YoY)	27.63%	23.44%	10.59%	11.45%	1.74%	-
Selling, General & Administrative	50,391	46,349	41,950	39,201	37,620	35,810
Other Non-Interest Expense	35,180	35,534	34,040	34,431	35,309	35,794
Total Non-Interest Expense	85,571	81,883	75,990	73,632	72,929	71,604
EBT Excluding Unusual Items	88,724	71,522	48,287	38,746	27,907	27,509
Other Unusual Items	-	-	-	-	-	-299
Pretax Income	88,724	71,522	48,287	38,746	27,907	27,210
Income Tax Expense	27,266	22,025	15,091	12,284	8,820	8,344
Earnings From Continuing Operations	61,458	49,497	33,196	26,462	19,087	18,866
Minority Interest in Earnings	1,183	1,282	1,240	1,230	952	471
Net Income	62,641	50,779	34,436	27,692	20,039	19,337
Net Income to Common	62,641	50,779	34,436	27,692	20,039	19,337
Net Income Growth	54.73%	47.46%	24.35%	38.19%	3.63%	-
Basic Shares Outstanding	174	174	174	164	164	164
Diluted Shares Outstanding	175	175	174	164	164	164
Shares Change (YoY)	0.11%	0.62%	5.53%	-	-	-
EPS (Basic)	359.00	291.03	198.42	168.38	121.85	117.58
EPS (Diluted)	358.51	290.77	198.41	168.38	121.85	117.58
EPS Growth	54.57%	46.55%	17.84%	38.19%	3.63%	-
Effective Tax Rate	30.73%	30.80%	31.25%	31.70%	31.61%	30.66%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.