For the fiscal year ending March 2027, the second quarter (interim) consolidated 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, representing substantial increases year-over-year. The full-year forecast anticipates ordinary income of 646,779 million yen, ordinary profit of 189,488 million yen, and net income of 115,014 million yen, but revisions have been made. Dividend payment is TBD. Consolidated assets totaled 16,403,928 million yen, and the equity ratio was at a low level of 2.5%. 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The full-year forecast anticipates ordinary income of 646,779 million yen, ordinary profit of 189,488 million yen, and net income of 115,014 million yen, but revisions have been made. Dividend payment is TBD. Consolidated assets totaled 16,403,928 million yen, and the equity ratio was at a low level of 2.5%. Important disclosures include company conversion through share issuance to a wholly owned subsidiary.","jir_summary":"### Overview of Performance\nDuring 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.\n\n### Impact on Shareholders and Outlook\nDuring 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.","jir_financial_highlights":"Ordinary Income: 163,872 (Year-over-Year +38.4%)\nOrdinary Profit: 63,069 (Year-over-Year +30.6%)\nInterim Net Income Attributable to Owners of Parent: 43,176 (Year-over-Year +26.9%)\nTotal Assets: 16,403,928 (Compared to prior fiscal year-end -188,210)\nEquity Ratio: 2.5\nFull-year Forecast (Ordinary Income): 646,779 (Revisions made)","jir_category":"","jir_hashtags":"#RakutenBank, #FinancialResults, #FinancialSoundness","jir_key_figures":"Ordinary Income: 163,872 million yen\nOrdinary Profit: 63,069 million yen\nInterim Net Income Attributable to Owners of Parent: 43,176 million yen","jir_meta_title":"Rakuten Bank, Ltd. Second Quarter Financial Results\uff5cOrdinary Income 163,872 million yen \u00b7 Interim Net Income 43,176 million yen","jir_meta_description":"Summary of Rakuten Bank, Ltd.'s consolidated financial summary for the second quarter of the fiscal year ending March 2027. Explains changes in ordinary income, ordinary profit, and interim net income, revisions to full-year forecasts, and the status of assets and equity ratio. Covers key points and outlook.","jir_og_title":"Rakuten Bank, Ltd. Second Quarter Financial Results\uff5cOrdinary Income 163,872 million yen","jir_og_description":"Second quarter financial results of Rakuten Bank, Ltd. Covering growth in ordinary income, ordinary profit, and interim net income, revisions to full-year forecasts, asset scale and current financial indicators. 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