Rakuten Bank Income Statement

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

Millions JPY. Fiscal year is Apr - Mar.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	67,223	55,569	48,431	44,916	45,375
Interest Income on Investments	60,958	28,949	20,579	14,894	14,123
Total Interest Income	128,181	84,518	69,010	59,810	59,498
Interest Paid on Deposits	16,234	7,244	5,730	4,813	3,408
Interest Paid on Borrowings	10,892	3,881	902	254	143
Total Interest Expense	27,126	11,125	6,632	5,067	3,551
Net Interest Income	101,055	73,393	62,378	54,743	55,947
Net Interest Income Growth (YoY)	37.69%	17.66%	13.95%	-2.15%	-
Trust Income	1,660	1,464	1,239	961	823
Gain (Loss) on Sale of Assets	-1	-79	-	-1	-73
Other Non-Interest Income	54,687	51,968	50,196	45,255	43,065
Total Non-Interest Income	56,346	53,353	51,435	46,215	43,815
Non-Interest Income Growth (YoY)	5.61%	3.73%	11.29%	5.48%	-
Revenues Before Loan Losses	157,401	126,746	113,813	100,958	99,762
Provision for Loan Losses	3,184	2,469	1,435	122	649
Revenue	154,217	124,277	112,378	100,836	99,113
Revenue Growth (YoY)	24.09%	10.59%	11.45%	1.74%	-
Selling, General & Administrative	46,349	41,950	39,201	37,620	35,810
Other Non-Interest Expense	36,345	34,040	34,431	35,309	35,794
Total Non-Interest Expense	82,694	75,990	73,632	72,929	71,604
EBT Excluding Unusual Items	71,523	48,287	38,746	27,907	27,509
Other Unusual Items	-	-	-	-	-299
Pretax Income	71,523	48,287	38,746	27,907	27,210
Income Tax Expense	22,026	15,091	12,284	8,820	8,344
Earnings From Continuing Operations	49,497	33,196	26,462	19,087	18,866
Minority Interest in Earnings	1,282	1,240	1,230	952	471
Net Income	50,779	34,436	27,692	20,039	19,337
Net Income to Common	50,779	34,436	27,692	20,039	19,337
Net Income Growth	47.46%	24.35%	38.19%	3.63%	-
Basic Shares Outstanding	174	174	164	164	164
Diluted Shares Outstanding	175	174	164	164	164
Shares Change (YoY)	0.62%	5.53%	-	-	-
EPS (Basic)	291.03	198.42	168.38	121.85	117.58
EPS (Diluted)	290.77	198.41	168.38	121.85	117.58
EPS Growth	46.55%	17.84%	38.19%	3.63%	-
Effective Tax Rate	30.80%	31.25%	31.70%	31.61%	30.66%

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