Rakuten Bank Income Statement

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

Millions JPY. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest Income on Loans	97,890	67,770	55,569	48,431	44,916
Interest Income on Investments	99,753	60,414	28,949	20,579	14,894
Total Interest Income	197,643	128,184	84,518	69,010	59,810
Interest Paid on Deposits	39,365	16,237	7,244	5,730	4,813
Interest Paid on Borrowings	15,804	10,892	3,881	902	254
Total Interest Expense	55,169	27,129	11,125	6,632	5,067
Net Interest Income	142,474	101,055	73,393	62,378	54,743
Net Interest Income Growth (YoY)	40.99%	37.69%	17.66%	13.95%	-2.15%
Trust Income	1,838	1,660	1,464	1,239	961
Gain (Loss) on Sale of Assets	-	-1	-79	-	-1
Other Non-Interest Income	56,098	54,690	51,968	50,196	45,255
Total Non-Interest Income	57,936	56,349	53,353	51,435	46,215
Non-Interest Income Growth (YoY)	2.82%	5.62%	3.73%	11.29%	5.48%
Revenues Before Loan Losses	200,410	157,404	126,746	113,813	100,958
Provision for Loan Losses	4,022	3,999	2,469	1,435	122
Revenue	196,388	153,405	124,277	112,378	100,836
Revenue Growth (YoY)	28.02%	23.44%	10.59%	11.45%	1.74%
Selling, General & Administrative	56,934	46,349	41,950	39,201	37,620
Other Non-Interest Expense	36,364	35,534	34,040	34,431	35,309
Total Non-Interest Expense	93,298	81,883	75,990	73,632	72,929
EBT Excluding Unusual Items	103,090	71,522	48,287	38,746	27,907
Pretax Income	103,090	71,522	48,287	38,746	27,907
Income Tax Expense	31,190	22,025	15,091	12,284	8,820
Earnings From Continuing Operations	71,900	49,497	33,196	26,462	19,087
Minority Interest in Earnings	1,172	1,282	1,240	1,230	952
Net Income	73,072	50,779	34,436	27,692	20,039
Net Income to Common	73,072	50,779	34,436	27,692	20,039
Net Income Growth	43.90%	47.46%	24.35%	38.19%	3.63%
Basic Shares Outstanding	174	174	174	164	164
Diluted Shares Outstanding	175	175	174	164	164
Shares Change (YoY)	0.08%	0.62%	5.53%	-	-
EPS (Basic)	418.76	291.03	198.42	168.38	121.85
EPS (Diluted)	418.10	290.77	198.41	168.38	121.85
EPS Growth	43.79%	46.55%	17.84%	38.19%	3.63%
Effective Tax Rate	30.25%	30.80%	31.25%	31.70%	31.61%