Rakuten Bank Income Statement

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

Millions JPY. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	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	-	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	-	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	-	5,316	3,999	2,469	1,435	122
Revenue	-	195,094	153,405	124,277	112,378	100,836
Revenue Growth	-	27.18%	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	-	35,070	35,534	34,040	34,431	35,309
Total Non-Interest Expense	-	92,004	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	175	174	174	174	164	164
Diluted Shares Outstanding	175	175	175	174	164	164
Shares Change	-0.10%	0.08%	0.62%	5.53%	-	-
EPS (Basic)	442.42	418.77	291.03	198.42	168.38	121.85
EPS (Diluted)	441.71	418.10	290.77	198.41	168.38	121.85
EPS Growth	36.10%	43.79%	46.55%	17.84%	38.19%	3.63%

Additional Metrics

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	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
Effective Tax Rate	-	30.25%	30.80%	31.25%	31.70%	31.61%