Diversification of managed assets through personal loans, securitization and securities
First written in FY2023. 13 of 14 entries say "Advanced", first in FY2024-Q1. Latest entry: 2026-08-06.
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- 2026-08-06AdvancedEarnings
「貸出金が、投資用マンションローン、提携ローン等の残高の増加により、前連結会計年度末比174,082百万円増の6,117,153百万円、買入金銭債権が、楽天カード株式会社のクレジットカード債権の証券化資産残高等の増加により、前連結会計年度末比44,600百万円増の3,243,268百万円となりました。」
投資用マンションローン・提携ローンとクレジットカード債権の証券化資産が増加した。 - FY2026AdvancedAnnual report
「As a result, as of the end of March 2026, personal loan balances stood at ¥2.2638 trillion, accounting for approximately 20% of the bank's operating assets.」
Personal loan balances increased from ¥2.0598 trillion at the end of March 2025 to ¥2.2638 trillion. In addition, the balance of securities-backed loans exceeded ¥10 billion in October 2025, approximately 4 months after the service was launched, advancing the expansion of operating assets. - FY2026-H1AdvancedAnnual report
「In Japan's ageing society, the balance of the Rakuten Bank Reverse Mortgage (deed-based) product, one of the key products addressing retirement-funding needs, exceeded ¥10 billion as of the end of December 2024. To meet further customer needs, the bank began offering the Rakuten Bank Reverse Mortgage (credit-line-based) product in addition to the deed-based product in May 2025. In June 2025, it began offering the Rakuten Bank Securities-Backed Loan, which enables customers to borrow funds from the bank using domestic listed shares, domestic ETFs and domestic REITs held with 楽天証券 as collateral.」
The bank launched a new reverse mortgage product and a loan secured by securities held with 楽天証券, expanding its personal operating-asset and loan products. - FY2025AdvancedAnnual report
「As a result, as of the end of March 2025, personal loan balances stood at ¥2.0598 trillion, accounting for approximately 20% of the bank's operating assets.」
Personal loan balances continued to grow, and reverse mortgage balances exceeded ¥10 billion at the end of December 2024. The bank also continued to diversify its operating assets through securitised assets, securities and corporate lending. - FY2025-H1AdvancedAnnual report
「Loans increased by ¥321.834 billion from the end of the previous consolidated fiscal year to ¥4.391401 trillion, mainly due to increases in investment condominium loans, partner loans and card loans. Purchased monetary claims increased by ¥93.161 billion to ¥2.643973 trillion, mainly due to an increase in trust beneficiary interests backed by credit card receivables of 楽天カード株式会社. Securities increased by ¥375.199 billion to ¥1.465706 trillion, mainly due to purchases of government bonds, government-guaranteed bonds, corporate bonds, foreign bonds and other securities.」
Investment condominium loans, partner loans, card loans, trust beneficiary interests and securities such as government bonds increased, advancing the expansion and diversification of operating assets. - FY2024AdvancedAnnual report
「As of the end of March 2024, personal loan balances stood at ¥1.8988 trillion, accounting for approximately 25% of the bank's operating assets.」
Personal loan balances increased, as did operating assets including trust beneficiary interests, government bonds, government-guaranteed bonds, corporate bonds and foreign bonds, advancing the diversification of operating assets. - FY2024-Q3AdvancedAnnual report
「Securities increased by ¥186.737 billion from the end of the previous consolidated fiscal year to ¥967.110 billion, mainly due to purchases of government bonds, government-guaranteed bonds, corporate bonds, foreign bonds and other securities. Purchased monetary claims increased by ¥586.792 billion to ¥2.689852 trillion, mainly due to purchases of trust beneficiary interests backed by credit card receivables of 楽天カード株式会社 and other assets. Loans increased by ¥187.213 billion to ¥3.967800 trillion, reflecting steady growth in investment condominium loans and partner loans, as well as a return to net growth in card loan balances.」
Balances of securities, purchased monetary claims such as trust beneficiary interests, and loans including investment condominium loans, partner loans and card loans increased from the end of the previous fiscal year. - FY2024-Q2AdvancedAnnual report
「Securities increased by ¥44.181 billion from the end of the previous consolidated fiscal year to ¥824.555 billion, mainly due to purchases of government-guaranteed bonds, foreign bonds and other securities. Purchased monetary claims increased by ¥206.224 billion to ¥2.309284 trillion, mainly due to purchases of trust beneficiary interests backed by credit card receivables of 楽天カード株式会社 and other assets. Loans increased by ¥148.568 billion to ¥3.929155 trillion, reflecting steady growth in investment condominium loans and partner loans, as well as a return to net growth in card loan balances.」
Securities, purchased monetary claims such as trust beneficiary interests, and loans all increased from the end of the previous fiscal year, driving growth in operating assets. - FY2024-Q1AdvancedAnnual report
「Securities increased by ¥25.699 billion from the end of the previous consolidated fiscal year to ¥806.072 billion, mainly due to purchases of foreign bonds and other securities. Purchased monetary claims increased by ¥37.413 billion to ¥2.140473 trillion, mainly due to purchases of trust beneficiary interests backed by credit card receivables of 楽天カード株式会社 and other assets. Loans increased by ¥72.708 billion to ¥3.853295 trillion, reflecting steady growth in investment condominium loans, partner loans and other lending.」
Balances of foreign bonds, trust beneficiary interests, investment condominium loans and partner loans increased from the end of the previous fiscal year, driving growth in operating assets. - FY2023First statedAnnual report
「The bank aims to further improve its profitability by actively adding to its operating assets, centred on proprietary assets of the bank or Rakuten Group,Inc. with attractive risk-return profiles, using the bank's securitisation expertise and data held by the bank and Rakuten Group,Inc.」
The bank disclosed personal loan balances of ¥1.711 trillion, equivalent to 25% of operating assets, as well as the securitisation of receivables and real estate assets inside and outside the group.