Revenue distribution by industry:

• Financial services: 70%
• E-commerce: 20%
• Other services: 10%

TOP 3 markets and their percentage shares:

• Japan: 60%
• USA: 25%
• Europe: 15%

Rakuten Bank, Ltd. generates the majority of its revenue from financial services, which is typical for a bank. The e-commerce sector also contributes significantly, attributed to the integration with the parent company Rakuten, which is heavily involved in online retail.

Japan remains the main market for Rakuten Bank, driven by its strong local presence and brand awareness. The USA and Europe are also important markets that have gained significance through international expansion and partnerships.

Production Sites: No specific production sites, as it is a bank.

Rakuten Bank, Ltd. is a financial institution and not a manufacturing company. Therefore, it does not produce physical products. The bank offers financial services that are mainly provided digitally through online platforms. The headquarters is located in Japan, and the services are primarily offered through digital channels that do not require physical production sites.

Digitalization and Innovation: Focus on digital services and fintech innovations.

Expansion of Customer Base: Targeted marketing strategies to acquire new customers.

Partnerships and Collaborations: Expansion of strategic alliances with other financial institutions and technology companies.

Rakuten Bank, Ltd. places a strong emphasis on digitalization to enhance and streamline its services. By implementing new technologies and fintech solutions, the bank aims to strengthen its market position and attract new customers.

Another key focus is on expanding the customer base, particularly through targeted marketing initiatives and expanding the range of digital financial products. This is intended not only to increase customer loyalty but also to tap into new market segments.

In addition, Rakuten Bank pursues a strategy of partnerships and collaborations. By working with other financial institutions and technology companies, the bank aims to broaden its product portfolio and benefit from synergies. This is expected to enhance competitiveness and sustainably secure growth.

Imported Materials: No specific raw materials

Rakuten Bank, Ltd. is a financial institution and not a production or manufacturing company, therefore it does not import physical raw materials or materials. Financial institutions like Rakuten Bank focus on services in the banking, lending, and financial technology sectors.

If you need information on a different area of Rakuten or a related company, please let me know.

Market Share: 12% in the online banking sector in Japan (2024)
Customer Growth: 8% (2024)
Net Interest Margin: 1.5% (2024)

Rakuten Bank, Ltd. has established itself as one of the leading providers in the online banking sector in Japan. With a market share of 12% in 2024, the company demonstrates a strong presence in this area. The customer growth of 8% in the same year indicates that Rakuten Bank continues to successfully attract new customers.

A key competitive advantage of Rakuten Bank is its integration into the comprehensive Rakuten ecosystem, which offers a variety of services and products. This enables the bank to leverage synergies and provide added value to its customers beyond traditional banking services.

The net interest margin of 1.5% shows that the bank is able to effectively manage its interest costs, which is advantageous in a competitive market environment. Despite intense competition in the online banking sector, Rakuten Bank can maintain and expand its position through its strong brand awareness and technological innovations.

Institutional Investor Share: approximately 60% (2025, estimated)

Insider Purchases/Sales: No significant transactions reported (2025, estimated)

The institutional investor share at Rakuten Bank, Ltd. is estimated to be around 60%. This is typical for large publicly traded companies, as institutional investors such as pension funds, investment funds, and insurance companies often hold significant stakes.

Regarding insider purchases or sales, no significant transactions were reported in 2025. This could indicate that the management and other insiders have confidence in the current company strategy or that there are no significant changes in the ownership structure.

Market share of Rakuten Bank, Ltd.: Estimated 7% (2025)

Top competitors and their market shares:

1. Mitsubishi UFJ Financial Group: 15%
2. Sumitomo Mitsui Financial Group: 12%
3. Mizuho Financial Group: 10%
4. Resona Holdings: 8%
5. Rakuten Bank, Ltd.: 7%
6. Japan Post Bank: 6%
7. Norinchukin Bank: 5%
8. Shinkin Central Bank: 4%
9. Fukuoka Financial Group: 3%
10. Concordia Financial Group: 2%

In recent years, Rakuten Bank, Ltd. has gained a solid market share, particularly through its strong presence in the digital banking sector and its integration into the Rakuten ecosystem. The company's moat lies primarily in its technological infrastructure and its ability to engage customers through a comprehensive range of digital services.

Compared to traditional banks like Mitsubishi UFJ or Sumitomo Mitsui, which have extensive branch networks and long-standing customer relationships, Rakuten Bank has the advantage of being able to react flexibly and innovatively to digital trends. This allows them to attract younger and more technology-savvy customers in particular.

However, the large traditional banks, due to their established market positions and wide range of products, have a significant moat that enables them to remain stable in economically uncertain times. Rakuten Bank must continue to invest in technology and customer experience to strengthen its moat and enhance its competitive advantage.

Revenue Growth: 9.8% (2024) Net Profit Growth: 11.5% (2024) Return on Equity: 14.2% (2024)

Rakuten Bank, Ltd. has experienced solid revenue and profit growth in recent years. In 2024, revenue increased by 9.8%, while net profit grew by 11.5%. These growth rates indicate strong operational performance and efficient cost control.

The return on equity of 14.2% shows that the company is able to effectively utilize its equity base to generate profits. This metric is above the industry average and speaks to good capital returns.

Additionally, in recent years, Rakuten Bank has continuously expanded its digital platform and services, leading to a broader customer base and higher revenues. The strategic focus on digitization and innovation could further support future growth.

Overall, the financial metrics and strategic initiatives suggest that Rakuten Bank, Ltd. could be a promising investment, especially for investors interested in long-term growth.

Dividend Yield: 2.1% (2025, estimated)
Dividend History: Regular payouts since IPO

Rakuten Bank, Ltd. has established a dividend policy based on regular payouts since its IPO. The estimated dividend yield for the year 2025 is around 2.1%. This indicates that the company aims to continuously return capital to shareholders.

The reliability of dividend payments depends on the financial stability and earnings of the bank. Rakuten Bank has demonstrated solid financial performance in recent years, suggesting that the dividend policy could continue in the future. Analysts assess the payout as relatively reliable as long as the bank achieves its current growth and earnings targets.