Fiscal Year March 2026 Third Quarter Financial Results Presentation

Overview of Performance

For the third quarter of the fiscal year ending March 2026, consolidated ordinary income increased to 162.8 billion yen (YoY +2.1%), but ordinary profit declined to 21.8 billion yen (YoY -5.6%). Quarterly net income attributable to owners of the parent significantly decreased to 8.7 billion yen (YoY -41.6%), primarily due to special losses recorded in the credit card business. EBITDA rose to 45.5 billion yen (YoY +2.4%). Seven Bank standalone ordinary income was 107.5 billion yen (YoY +4.3%), ordinary profit was 21.2 billion yen (YoY -8.6%), and quarterly net income was 14.6 billion yen (YoY -4.5%).

Key Figures and Topics by Business Segment

In the domestic ATM business, although the number of units fell short of the plan, usage increased, with cumulative ATM usage in 3Q reaching 849 million transactions (YoY +25 million), and the number of ATMs at period-end was 28,383 units (YoY +535). In the domestic retail business, deposit balances grew to 670.7 billion yen (YoY +50.1 billion yen) supported by a fixed deposit campaign, and the number of accounts expanded steadily to 3,473 thousand accounts (YoY +207 thousand). The end-of-period balance of individual loan services increased to 74.6 billion yen (YoY +20.0 billion). From December 2025, the 'Smartphone ATM' service was launched for Rakuten Bank and is now provided to 26 banks. Additionally, the ATM counter service ‘+Connect’ received the Minister for Internal Affairs and Communications Award at the 5th Japan Service Awards.