Corporate Events

Rakuten Bank, Ltd. hereby announced that at a meeting held on September 28, 2026, its Board of Directors resolved to appoint the following Executive Officers. This appointment is subject to the effectiveness of the share delivery whereby the Company will become the parent company and Rakuten Card Co., Ltd. and Rakuten Securities Holdings Inc. will become its subsidiaries, as set forth in the “Notice Concerning Definitive Agreement on Reorganization of Rakuten Group’s FinTech Business including Rakuten Bank, Ltd. through Share Delivery by Rakuten Bank, Ltd. to Make Rakuten Card Co., Ltd. and Rakuten Securities Holdings Inc. Subsidiaries and among others” dated May 20, 2026, as well as the approval of concurrent positions at the companies to which the newly appointed Executive Officers belong (Scheduled effective date: October 1, 2026). Koichi Nakamura was appointed as Rakuten Bank, Ltd. Senior Executive Vice President (Non-Executive), while serving concurrently as Rakuten Card Co., Ltd. Representative Director and President. Koichi Nakamura’s current role is Rakuten Group Inc. Senior Managing Executive Officer, Senior Vice President of FinTech Group Company concurrently Rakuten Card Co., Ltd. Representative Director and President. Yuji Kusunoki was appointed as Rakuten Bank, Ltd. Senior Executive Vice President (Non-Executive), while serving concurrently as Rakuten Securities Holdings Inc. Representative Director and President concurrently Rakuten Securities Inc. Representative Director and President. Yuji Kusunoki’s current role is Rakuten Securities Holdings Inc. Representative Director and President concurrently Rakuten Securities Inc. Representative Director and President.

Rakuten Bank, Ltd., Board Meeting, Sep 30, 2026. Agenda: To consider the Notice of Changes in Executive Positions.

Rakuten Bank, Ltd., Board Meeting, Sep 28, 2026. Agenda: To consider appointment of Koichi Nakamura as Rakuten Card Co., Ltd. representative director and president and concurrently Rakuten Bank, Ltd. senior executive vice president (non-executive); to consider appointment of Yuji Kusunoki as Rakuten Securities Holdings, Inc. representative director and president and concurrently Rakuten Securities, Inc. representative director and president and concurrently Rakuten Bank, Ltd. senior executive vice president (non-executive).

Rakuten Bank, Ltd. revised consolidated earnings guidance for the fiscal year ending March 31, 2027. For the year, the company now expects profit attributable to owners of parent of JPY 88,145 million and profit per share of JPY 505.10 as compared to profit attributable to owners of parent of JPY 81,325 million and profit per share of JPY 466.04 previously forecasted. While interest income, including interest on loans and interest on monetary claims bought, has increased, the Company's business operations have become more efficient as its business scale has expanded. As a result, the Company's financial performance has exceeded the progress forecast assumed in the consolidated financial results forecast announced on May 12, 2026. Furthermore, primarily due to the domestic interest rate hike in June of this year, the Company's net interest income is now expected to surpass initial projections. Accordingly, the Company is revising upward its consolidated financial results forecasts for the fiscal year ending March 31, 2027, as stated above.

Rakuten Bank, Ltd., Board Meeting, Jul 27, 2026. Agenda: To consider the Announcement Regarding Issuance of Stock Options (Stock Acquisition Rights) to Employees of the Company.

Rakuten Bank, Ltd., Q1 2027 Earnings Call, Aug 06, 2026

Rakuten Bank, Ltd. announced as follows that it resolved, at its Board of Directors meeting held May 20, 2026, in connection with the FinTech business reorganization (the “Reorganization”) described in the “Notice Concerning Definitive Agreement on Reorganization of Rakuten Group’s FinTech Business including Rakuten Bank, Ltd. through Share Delivery by Rakuten Bank, Ltd. to Make Rakuten Card Co., Ltd. and Rakuten Securities Holdings Inc. Subsidiaries and among others” published May 20, 2026, to submit a proposal for partial amendments to the Articles of Incorporation to add new provisions relating to Class A Non-voting Shares, among other changes (the “Amendments”) to the Bank’s 27th Annual Shareholders’ Meeting to be held on June 24, 2026 (the “Annual Shareholders’ Meeting”). As described in the “Notice Concerning Definitive Agreement on Reorganization of Rakuten Group’s FinTech Business including Rakuten Bank, Ltd. through Share Delivery by Rakuten Bank, Ltd. to Make Rakuten Card Co., Ltd. and Rakuten Securities Holdings Inc. Subsidiaries and among others” published May 20, 2026, the Bank resolved, at its Board of Directors meeting held May 20, 2026, to implement a share delivery for the Reorganization in which the Bank will be the parent company for the share delivery and Rakuten Card Co., Ltd. and Rakuten Securities Holdings Inc. will be the subsidiaries for the share delivery (the “Share Delivery”). The Bank plans to issue new Class A Non-voting Shares to Rakuten Group Inc. and Mizuho Bank, Ltd. through the Share Delivery. In connection with that, the Bank intends to amend the Articles of Incorporation to add new provisions relating to Class A Non-voting Shares and make other changes to enable the issuance of Class A Non-voting Shares by the Bank. In addition, subject to the Share Delivery becoming effective, the amendments to the Articles of Incorporation to add new provisions relating to Class A Non-voting Shares and make other changes will be effective on the effective date of the Share Delivery, and a supplementary provision to that effect will be established. The details of the amendments are set out in the Exhibit (the underlined parts in the Exhibit indicate the amendments). Date of the Annual Shareholders’ Meeting at which the Amendments will be proposed: June 24, 2026 (scheduled). Effective date of the Amendments: October 1, 2026 (scheduled). The total number of authorized shares of the Company shall be 1.5 billion shares, and the total number of authorized common shares is 1.2 billion shares and the total number of authorized Class A shares is 300 million shares. The number of common shares per share unit of the Company shall be 100 shares, and the number of Class A shares per share unit shall be 1 share. Shareholders holding Class A shares (the “Class A Shareholders”) do not have voting rights at shareholders’ meetings. At any time after acquiring Class A shares, a Class A Shareholder may make a demand that the Company deliver its common shares in exchange for all or part of the Class A shares he or she holds to the extent permitted by laws and regulations. If such a demand is made, the Company shall deliver to the Class A Shareholder one common share for each Class A share it acquires. The approval of the board of directors of the Company must be obtained for any acquisition via transfer of Class A shares. If the Company conducts a share split or consolidation, it shall do so at the same time and ratio for the common shares and the Class A shares. If the Company grants shareholders the right to receive an allotment of shares for subscription or the right to receive an allotment of share acquisition rights for subscription, it shall grant the common shareholders the right to receive an allotment of common shares or share acquisition rights for common shares and grant the Class A shareholders the right to receive an allotment of Class A shares or share acquisition rights for Class A shares at the same time and ratio and under the same terms and conditions. If the Company conducts an allotment of shares without contribution or an allotment of share acquisition rights without contribution, it shall conduct an allotment of common shares without contribution or an allotment of share acquisition rights for common shares without contribution to the common shareholders and an allotment of Class A shares without contribution or an allotment of share acquisition rights for Class A shares without contribution to the Class A shareholders at the same time and ratio and under the same terms and conditions. The provisions of Article 12 apply mutatis mutandis to any meeting of class shareholders held on the same day as an annual shareholders’ meeting. The provisions of Article 11 paragraph (2), Article 13, Article 14, Article 16, and Article 17 apply mutatis mutandis to meetings of class shareholders. The provisions of Article 15 paragraph (1) apply mutatis mutandis to resolutions of meetings of class shareholders under Article 324, paragraph (1) of the Companies Act and the provisions of Article 15 paragraph (2) apply mutatis mutandis to resolutions of meetings of class shareholders under Article 324, paragraph (2) of the Companies Act. The Company is not required to obtain a resolution of a meeting of class shareholders consisting of the Class A shareholders when taking any of the actions listed in the items of Article 322, paragraph (1) of the Companies Act; provided, however, that this does not apply in the case of an amendment to the Articles of Incorporation provided for in Article 322, paragraph (1), item (i) of the Companies Act (excluding an amendment relating to the number of shares per share unit). Unless otherwise provided by law, the Company is not required to obtain a resolution of a meeting of class shareholders consisting of the Class A shareholders with respect to the matters provided for in Article 199, paragraph (4), Article 200, paragraph (4), Article 238, paragraph (4), Article 239, paragraph (4), Article 795, paragraph (4), and Article 816-3, paragraph (3) of the Companies Act, and all other matters prescribed as matters to be resolved by a class shareholders’ meeting under the Companies Act. The amendments to Article 6 (Total Number of Authorized Shares) and Article 7 (Number of Shares per Share Unit), and the addition of Chapter 2-2 (Class A Shares) and Article 17-2 (Class Shareholders’ Meetings), shall become effective on the effective date of the share delivery in which the Company will be the parent company for the share delivery and Rakuten Card Co., Ltd. and Rakuten Securities Holdings Inc. will be the subsidiaries for the share delivery becomes effective on the condition that the share delivery becomes effective pursuant to the Share Delivery Plan dated May 20, 2026 prepared by the Company. This Supplementary Provision shall be deleted after the effective date of the share delivery.

Rakuten Bank, Ltd. announced that they will report Q1, 2027 results on Aug 06, 2026

Rakuten Bank, Ltd. announced that Mr. Eiji Ebinuma is going to retire upon the expiration of his term of office as director at the conclusion of the 27th Annual General Shareholders' Meeting to be held on June 24, 2026. Mr. Takeo Shikado and Mr. Tadamichi Shibano are going to retire upon the expiration of his term of office as Audit and Supervisory Board Members.

Mizuho Bank, Ltd. and Rakuten Bank, Ltd. announced that they have resolved to enter into a strategic capital and business alliance for the purpose of establishing a new credit creation model through collaboration between a megabank and a digital bank (hereinafter the "Alliance"), and, as of May 20, 2026, have entered into a Capital and Business Alliance Agreement (hereinafter the "Agreement"). Capital and Business Alliance- Background, Purpose and Rationale of the Alliance: Guided by its Purpose, "Proactively innovate together with our clients for a prosperous and sustainable future," Mizuho has identified the following as key focus themes: "Enhancing the competitiveness of Japanese companies," "Improving customer convenience," and "Initiatives to increase assets and wealth." For corporate customers, Mizuho is committed to providing comprehensive support for business growth and the enhancement of corporate value, including through consulting services designed to address clients' challenges. For individual customers, Mizuho is advancing the development of highly convenient, user-friendly services, while also offering services aimed at enhancing household financial well-being. In addition, Mizuho and Rakuten Group Inc. (Headquarters: Setagaya-ku, Tokyo; Chairman and CEO: Hiroshi Mikitani; hereinafter "Rakuten Group") have been working to build a new retail business model in the areas of asset formation and asset management that combines both online and offline channels through the use of fintech, as announced in "Announcement Regarding Strengthening of Strategic Capital and Business Alliance between Mizuho Securities and Rakuten Securities Holdings," (*1) released on November 9, 2023. Further, as announced in "Mizuho Financial Group, Mizuho Bank, UC Card, Orient Corporation, Rakuten Group and Rakuten Card Form Business Alliance to Transform Digital Payments in Japan,"(*2) released on November 13, 2024, the parties have been advancing initiatives aimed at creating new value for both customers and merchants, stimulating consumption, and promoting corporate growth, thereby contributing to the enhancement of corporate value and, ultimately, the development of the Japanese economy. Details of the Alliance; Specific Details of the Business Alliance- Ongoing acquisition by Rakuten Bank of corporate loans and other assets originated by Mizuho Bank. The parties will consider establishing a framework to enable Rakuten Bank to acquire, on an ongoing basis, corporate loans originated by Mizuho Bank. The parties will also consider expanding the scope of eligible assets to include, in addition to corporate loans, a diverse range of assets such as project finance loans and fund investments. The parties will further consider support to be provided by Mizuho Bank to assist Rakuten Bank in establishing the credit review and risk management frameworks required for such asset purchases. (ii) Collaboration to address the payment and working capital needs of small corporate customers and sole proprietors- Mizuho Bank will consider addressing the payment and working capital needs of small corporate customers and sole proprietors, including merchants within the Rakuten Ecosystem, and subsequently securitizing the related receivables; Rakuten Bank, in turn, will consider acquiring the receivables securitized by Mizuho Bank. With respect to banking services for these customers, Rakuten Bank and Mizuho Bank will consider how they can respond in accordance with their respective strengths so that customers can access services best suited to their needs. (iii) Collaboration for operational efficiency- Mizuho Bank and Rakuten Bank will continue to consider measures to improve operational efficiency through collaboration. As an initial step, they will examine ways to establish a more efficient operating structure for the housing loan business. (iv) Collaboration regarding Rakuten Bank's cash disbursement operations in the event of a crisis- As Rakuten Bank is a digital bank without physical branches, depositors may withdraw their deposits only by transferring funds to accounts at other banks or by withdrawing cash from ATMs of partner financial institutions, and Rakuten Bank does not provide over-the-counter withdrawals like banks that maintain physical branches. Accordingly, in the unlikely event that a disaster or other crisis renders Rakuten Bank's primary center non-operational, there may be a period including the period required to switch over to its backup system-during which Rakuten Bank is unable to process withdrawals for depositors. In connection with the Alliance, the parties will consider entrusting Mizuho Bank with temporary over-the-counter cash disbursement operations in the event of such a crisis so that withdrawals by depositors can continue even under such circumstances. In addition to the foregoing initiatives, the parties will continue to consider various other measures that will benefit customers of both companies and contribute to the enhancement of the corporate value of both companies. 2) Details of the Capital Alliance- As stated in the Reorganization Press Release, Rakuten Bank resolved at a meeting of its Board of Directors held on May 20, 2026 to effect a share delivery (hereinafter the "Share Delivery"), with Rakuten Bank as the share delivery parent company and Rakuten Card and Rakuten Securities HD as the share delivery subsidiaries. On the same date, Rakuten Bank will, pursuant to the Integration Agreement and this Agreement, allot and deliver through the Share Delivery 207,330,443 Class A shares of Rakuten Bank to Rakuten Group and 23,559,673 Class A shares of Rakuten Bank to Mizuho Bank. Schedule: Resolution Date is May 20, 2026, Execution Date of the Agreement is May 20, 2026, effective Date of the Share Delivery (planned); October 1, 2026, Commencement Date of the Alliance (planned); October 1, 2026. Future Outlook- The parties believe that the Alliance will contribute to the medium- to long-term business development of Mizuho and Rakuten Bank and to the enhancement of their corporate value. The impact of the Alliance on the financial results of Mizuho Bank and Rakuten Bank is currently under review. Should any matters requiring disclosure become apparent, the parties will promptly announce them.

Rakuten Bank, Ltd., Board Meeting, May 20, 2026. Agenda: To consider regarding Issuance of Stock Options (Stock Acquisition Rights) to the Director and Executive Officers of the Company; to consider changes in Executive Positions; and to consider Partial Amendments to the Articles of Incorporation in Connection with the FinTech Business Reorganization.

Rakuten Group, Inc., Rakuten Bank, Ltd., Board Meeting, May 20, 2026. Agenda: To consider to enter into an integrated agreement on the reorganization of Rakuten Group's FinTech Business including Rakuten Bank through share deliveries of Rakuten Bank to make Rakuten Card Co., Ltd. and Rakuten Securities Holdings, Inc. its subsidiaries and among others.

Rakuten Bank, Ltd. provided earnings guidance for the fiscal year ending March 31, 2027. For the year, the company expects profit attributable to owners of parent of JPY 81,325 million and profit per share of JPY 466.04.

Rakuten Bank, Ltd. expected to report Q1 2027 results on August 6, 2026. This event was calculated by S&P Global (Created on May 13, 2026).

Rakuten Bank, Ltd., Annual General Meeting, Jun 24, 2026.

Rakuten Bank, Ltd. announced that they will report Q4, 2026 results at 3:35 PM, Tokyo Standard Time on May 12, 2026

Rakuten Bank, Ltd., Q4 2026 Earnings Call, May 12, 2026

Rakuten International Commercial Bank Co., Ltd. announced that it will raise TWD 1,400,000,000 in funding on February 25, 2026. The company will issue convertible preferred shares in the transaction. The transaction will include participation from returning investor Rakuten Bank, Ltd. The transaction is expected to close in July 2026. Post-completion of the transaction Rakuten Bank, Ltd. will hold 50% stake in the company. This has been approved in the board of directors of the investor company and is subject to change based on the status of approvals and other requirements from the relevant Taiwanese authorities. The amount of the capital increase is scheduled to be determined at RICB’s General Shareholders’ Meeting in April 2026.

Rakuten Bank, Ltd., Board Meeting, Feb 25, 2026. Agenda: To consider and approve to increase capital of Rakuten International Commercial Bank Co., Ltd. our consolidated subsidiary; and to consider election of candidate for Director.

Rakuten Bank, Ltd. expected to report Fiscal Year 2026 results on May 8, 2026. This event was calculated by S&P Global (Created on February 11, 2026).

Rakuten Bank, Ltd. reported earnings results for the nine months ended December 31, 2025. For the nine months, the company reported net interest income was JPY 102,843 million compared to JPY 71,546 million a year ago. Net income was JPY 53,119 million compared to JPY 35,182 million a year ago. Basic earnings per share from continuing operations was JPY 304.41 compared to JPY 201.63 a year ago. Diluted earnings per share from continuing operations was JPY 303.94 compared to JPY 201.49 a year ago.

Rakuten Bank, Ltd., Board Meeting, Jan 26, 2026. Agenda: To consider the Announcement Regarding Issuance of Stock Options (Stock Acquisition Rights) to Employees of the Company.

Rakuten Bank, Ltd., Q3 2026 Earnings Call, Feb 09, 2026

Rakuten Bank, Ltd. announced that they will report Q3, 2026 results on Feb 09, 2026

Rakuten Bank, Ltd. expected to report Q3 2026 results on February 10, 2026. This event was calculated by S&P Global (Created on November 11, 2025).