Rakuten Bank, Ltd. Consolidated Financial Summary for the Second Quarter (Interim)

Overview of Performance

During the interim consolidated period, results showed ordinary income of 163,872 million yen, ordinary profit of 63,069 million yen, and interim net income attributable to owners of parent of 43,176 million yen, marking increases over the prior-year period. Contributions from investment income were significant, and foreign exchange and fee-related revenues were stable. In contrast, total assets were 16,403,928 million yen and the equity ratio stood at 2.5%, a low level that warrants attention from a financial soundness perspective. The full-year forecast has been revised, with expectations of 646,779 million yen in ordinary income, 189,488 million yen in ordinary profit, and 115,014 million yen in net income; dividend forecasts depend on publicly disclosed information.

Impact on Shareholders and Outlook

During the interim period, Rakuten Bank, Ltd.'s digitalization strategy and expanded asset management initiatives progressed steadily, continuing efforts that lead to account openings and asset formation. This document does not disclose any direct dividend payments to shareholders; shareholders should await policy announcements at future financial briefings. Shareholders' equity fluctuated compared with the prior fiscal year-end, and the equity ratio remains at a low level, making improvement in financial soundness a key issue.