Rakuten Bank, Ltd. Q1 FY2027 Financial Summary (Japan GAAP) (Consolidated) for the Fiscal Year Ending March 2027 Q1

Overview of Results

This quarter saw a substantial increase in ordinary income, with ordinary profit and quarterly net income also exceeding the previous year. A major contribution came from funds management income, aided by improved investment yields amid the Bank of Japan’s interest rate environment. The bank group also benefited from contributions from its Taiwan subsidiary, expanding overall income scale. At year-end, the number of accounts stood at 18.46 million, and standalone deposits reached 13,365,606 million yen, indicating a solid funding base. Supplemental materials and an earnings briefing are prepared, and full-year guidance for FY2027 has been revised and disclosed.

Outlook and Impact on Shareholders

The full-year outlook has been revised, and future interest rate movements and the trajectory of the fund management environment may affect profitability. Continued expansion of digital banking services and promotion of everyday accounts will stabilize the customer base and address long-term asset formation needs. As to shareholder impact, there is no specific mention of dividends in the main text, but dividend details may be provided in the supplemental materials.