TSE:5838Banks
Is Rakuten Bank (TSE:5838) Quietly Rebalancing Between Employee Incentives And Costly Deposit Growth?
In January 2026, Rakuten Bank’s board approved issuing stock options covering up to 31,900 shares to 316 employees and launched a promotional 1.00% 1-year fixed deposit campaign that is drawing funds from ordinary accounts.
Together, these moves highlight a dual focus on long-term staff retention and near-term deposit growth, while potentially lifting funding costs and affecting profitability metrics.
We’ll now examine how the new stock option program for employees shapes Rakuten Bank’s...