Message to Shareholders and Investors

I would like to begin by thanking all our shareholders for their continued support.
Looking back on fiscal 2025, the support of our customers propelled us past several major milestones, as the number of deposit accounts passed the 18 million mark in March 2026, and our non-consolidated balance of deposits exceeded 13 trillion yen as of December 31, 2025.
This has enabled us to cement our status as the digital bank with the greatest number of accounts and the largest deposit balance in Japan.
We also achieved consolidated ordinary income of 255.5 billion yen (up 38% year on year) and consolidated ordinary profit of 103.0 billion yen (up 44% year on year), both our highest ever.
These results were due to the expansion of our business scale, which also boosted operational efficiency, in addition to substantial growth in net interest income.

Since taking on the role of steering management in fiscal 2025, I have focused on revitalizing the organization and strengthening our marketing functions. In an increasingly competitive financial environment, we consistently strive to be the Safe, Secure, and Most Convenient Bank.
By combining the Rakuten Group’s strong customer base with technology, we are committed to continuously providing both our retail and corporate customers with the highest level of digital banking services. We are confident that this is the value of our existence as a leading FinTech Company.

At Rakuten Bank, we will celebrate the 25th anniversary of our establishment this July, marking a significant milestone.
Since our founding in 2001, we have continually strived to offer new financial services as a digital bank. Moving forward, as a member of the Rakuten Group, we aim for deep collaboration with the Rakuten Ecosystem to advance our business, contributing to the realization of a prosperous future from a position integral to our customers’ lives.
Through the new stage in our history, we will continue to expand our business, enhance performance, and maximize corporate value to contribute to our shareholders as a leading FinTech Company.
All of us at Rakuten Bank will work together for a better future by helping social development through financial services, and we look forward to your continued understanding and support.

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