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Greetings to all our stakeholders.

I welcome this opportunity to communicate with you in my new role as president and CEO of Rakuten Bank (the “Bank”).
The Bank joined the Rakuten Group in 2009 and has since grown into one of Japan’s leading digital banks, with 17 million accounts and 11 trillion yen in deposits. We are deeply grateful for the high regard and support we have received from our many customers.
In April 2023, we were listed on the Prime Market of the Tokyo Stock Exchange, and our market capitalization has since grown to over 1 trillion yen.
These achievements are a direct result of the support and encouragement of all our stakeholders, for which I express my profound appreciation.
We are currently implementing our medium-term management plan, the “Mid-to-Long Term Vision,” which concludes in the fiscal year ending March 2027. This plan sets numerical targets for consolidated ordinary income, consolidated ordinary profit, non-consolidated number of accounts, and non-consolidated balance of deposits. We have already surpassed our consolidated ordinary profit target of 70 billion yen two years ahead of schedule, and we anticipate achieving our consolidated ordinary income target of 200 billion yen one year early at the end of this fiscal year.
While these are significant achievements, we see further opportunities for growth in achieving our goals of 25 million non-consolidated accounts and 20 trillion yen in non-consolidated deposit balances.
To achieve these goals and to drive further growth, we must further pursue synergies with the Rakuten Group and the Rakuten Ecosystem. To that end, we will foster even stronger collaboration with the Rakuten Group and promote the revitalization of our organization to respond to the rapidly changing business environment surrounding our bank.
As a member of the Rakuten Group, Rakuten Bank shares the mission to “Contribute to society by creating value through innovation and entrepreneurship” and the Group vision to be a “Global Innovation Company,” which we aim to do in the FinTech domain. We have strived to contribute to society while enhancing corporate value and coexisting with society. We are committed to providing the highest level of digital banking services, enabling our customers to access convenient banking services anytime, anywhere without constraints. We continuously listen to our customers and strive to improve our services, with the aim of becoming a “safe, secure, and most convenient bank,” and a leading FinTech company. Under the new management structure, we will continue to advance our business with a sense of urgency.
We look forward to your continued support and encouragement.

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