Converting Personal Accounts into Primary Everyday Banking Accounts and Increasing the Primary-Account Ratio
First written in FY2023. 12 of 13 entries say "Advanced", first in FY2024-Q1. Latest entry: 2026-08-06.
2 other companies' latest entry also says "Advanced".
- 2026-08-06AdvancedEarnings
「To make customers’ Rakuten Bank accounts more convenient to use as their daily accounts, we began handling direct debit services for public funds in Sakura, Chiba.」
生活口座化の具体策として、千葉県佐倉市の公金口座振替サービスの取扱開始を開示した。 - FY2026AdvancedAnnual report
「As of the end of March 2026, the primary-account ratio, defined as the percentage of primary accounts among the total number of individual accounts, including corporate accounts, was 32.8%.」
The primary-account ratio rose from 32.7% at the end of March 2025 to 32.8%. The policy of converting accounts into everyday accounts through salary deposits, direct debits and cross-selling also continues. - FY2026-H1AdvancedAnnual report
「To enable customers to use their accounts with our bank more conveniently as everyday accounts, we began offering direct-debit services for public funds in Kobe, Hyogo; Komae, Tokyo; Chiba, Chiba; and Kitakyushu, Fukuoka, and for water and sewerage charges in Kawasaki, Kanagawa; Kobe, Hyogo; and Kitakyushu, Fukuoka.」
As a specific measure to convert accounts into everyday accounts, expanded the municipalities covered by direct-debit services for public funds and water and sewerage charges. In addition, in July 2025, expanded the “Bonus Interest Rate,” which adds to ordinary deposit interest rates based on salary, bonus and pension receipts, debit card usage, direct debits and other activities. - FY2025AdvancedAnnual report
「As of the end of March 2025, the primary-account ratio, defined as the percentage of primary accounts among the total number of individual accounts, including corporate accounts, was 32.7%.」
The primary-account ratio rose from 31.5% at the end of March 2024 to 32.7%, indicating progress in converting accounts into everyday accounts. The policy of promoting this through salary deposits, direct debits and cross-selling also continues. - FY2025-H1AdvancedAnnual report
「To enable customers to use their accounts with our bank more conveniently as everyday accounts, we began offering direct-debit services for Kawasaki City public funds and Hokkaido Gas.」
As a specific measure to convert accounts into everyday accounts, began offering direct-debit services for Kawasaki City public funds and Hokkaido Gas. - FY2024AdvancedAnnual report
「As of the end of March 2024, the primary-account ratio, defined as the percentage of primary accounts among the total number of individual accounts, including corporate accounts, was 31.5%.」
Continued converting accounts into everyday accounts by acquiring salary and bonus deposits, direct debits and cross-selling, with the primary-account ratio rising from 31.1% in the previous fiscal year to 31.5%. - FY2024-Q3AdvancedAnnual report
「We focused on expanding the customer base and converting accounts into everyday accounts, sought to increase non-interest income, and worked to expand the network of partners where our bank’s payment services can be used to build a foundation for generating non-interest income. During the third quarter, we began accepting direct-debit payments for public funds in Utsunomiya and Fukuoka, and for water charges from the Utsunomiya City Waterworks and Sewerage Bureau and Yokohama Waterworks Bureau.」
Continued measures to convert accounts into everyday accounts and increase non-interest income, with specific expansion of partnerships for direct-debit payments of public funds and water charges. - FY2024-Q2AdvancedAnnual report
「Specifically, under a strategy to convert individual customers’ accounts into everyday accounts, increase non-interest income and improve profitability per individual customer, we worked to expand the network of partners where our bank’s payment services can be used.」
Continues measures to convert accounts into everyday accounts and increase non-interest income, while expanding payment-service partnerships. - FY2024-Q1AdvancedAnnual report
「Specifically, under a strategy to convert individual customers’ accounts into everyday accounts, increase non-interest income and improve profitability per individual customer, we worked to expand the network of partners where our bank’s payment services can be used.」
Expanded payment-service partnerships as a measure to convert accounts into everyday accounts and increase non-interest income. - FY2023First statedAnnual report
「We are promoting the conversion of customer accounts into everyday accounts by acquiring customers’ salary deposits and direct debits to expand deposits and fund transfers, followed by cross-selling other services tailored to customer preferences.」
A specific customer-engagement strategy that moves customers from opening an account to receiving salaries, setting up direct debits and cross-selling, with a primary-account ratio of 31.1% as the KPI.