Rakuten Bank Balance Sheet Health
Financial Health criteria checks 5/6
Rakuten Bank has total assets of ¥13,480.5B and total equity of ¥279.6B. Total deposits are ¥10,442.4B, and total loans are ¥4,072.2B. It earns a Net Interest Margin of 0.9%. It has sufficient allowance for bad loans, which are currently at 0.03% of total loans. Cash and short-term investments are ¥4,791.1B.
Key information
48.2x
Asset to equity ratio
0.9%
Net interest margin
| Total deposits | JP¥10.44t |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.03% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | JP¥4.79t |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: N5G's Assets to Equity ratio (48.2x) is very high.
Allowance for Bad Loans: N5G has a sufficient allowance for bad loans (276%).
Low Risk Liabilities: 79% of N5G's liabilities are made up of primarily low risk sources of funding.
Loan Level: N5G has an appropriate level of Loans to Assets ratio (30%).
Low Risk Deposits: N5G's Loans to Deposits ratio (39%) is appropriate.
Level of Bad Loans: N5G has an appropriate level of bad loans (0%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/06/05 04:21 |
| End of Day Share Price | 2024/03/08 00:00 |
| Earnings | 2024/03/31 |
| Annual Earnings | 2024/03/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
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Industry and Sector Metrics
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Analyst Sources
Rakuten Bank, Ltd. is covered by 9 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Shinichiro Nakamura | BofA Global Research |
| Masayoshi Yonezawa | Daiwa Securities Co. Ltd. |
| Kohei Sakamoto | Daiwa Securities Co. Ltd. |