Rakuten Bank, Ltd.
5838・Prime Market・Banks
Governance
As a company with a Board of Corporate Auditors, the company is composed of 5 directors (3 of whom are outside directors) and 4 corporate auditors (3 of whom are outside auditors). A Special Monitoring Committee comprised solely of independent officers has been established to manage conflicts of interest arising from transactions with Rakuten Group and to protect minority shareholders.
Risk Management
An integrated risk management framework has been established centered on the Risk Management Division, with the Risk Management Committee meeting monthly (held 13 times during the fiscal year under review). Market, credit, liquidity, and operational risks are managed on an integrated basis, and an annual risk profile assessment, including sustainability-related risks, is also conducted.
Shareholder Returns
Annual dividend forecast of ¥0.00 (no dividend) for both FY2026 (ending March 2026) and FY2027 (ending March 2027). No share buybacks conducted. The basic policy prioritizes retained earnings during the growth phase, with shareholder returns to be realized through business expansion and enhancement of corporate value.
Dividend Policy
The annual dividend for FY2026 (ending March 2026) is ¥0.00 at the end of each of Q1, Q2, Q3, and the fiscal year-end (total of ¥0.00, no dividend). The forecast for FY2027 (ending March 2027) is likewise ¥0.00 annually. The payout ratio and dividend on equity ratio are not disclosed. As the company is in a growth phase, it prioritizes building up retained earnings, with the basic policy being to return value to shareholders through business expansion and maximization of corporate value.
ESG
The company endorses the TCFD recommendations, with its balance of environment-related investments and loans expanding to ¥236.4 billion as of the end of March 2026. It has achieved 100% conversion to renewable energy at its domestic sites and formulated a policy of excluding negative investments and loans to coal-fired power generation and similar sectors. On the human capital front, it has identified the growing difficulty of securing talent as a top risk, and discloses a 17.1% ratio of women in management positions and a 77.7% rate of male employees taking childcare leave.
Last updated: June 22, 2026