November 13, 2024
  • RAKUTEN GROUP, INC.

Announcement Regarding Strategic Capital and Business Alliance between Rakuten Card and Mizuho Financial Group


 Rakuten Group, Inc. (Head Office: Setagaya-ku, Tokyo, Chairman and CEO: Hiroshi Mikitani; hereinafter “the Company”) announces that the Board of Directors resolved today its consolidated subsidiary Rakuten Card Co., Ltd. (Head Office: Minato-ku, Tokyo; President and CEO: Masayuki Hosaka; hereinafter “Rakuten Card”) and Mizuho Financial Group, Inc. (Headquarters: Chiyoda-ku, Tokyo; President & Group CEO: Masahiro Kihara; hereinafter “Mizuho FG") have today agreed to enter into a strategic capital and business alliance between the two companies (hereinafter "the Alliance").
 In conjunction with this Alliance, the Company and Mizuho FG concluded a share transfer agreement today, with the Company transferring 14.99% of Rakuten Card’s common stock to Mizuho FG (hereinafter the "Share Transfer"). Even after the Share Transfer, Rakuten Card will remain a subsidiary of the Company, and will continue to be an important consolidated subsidiary embedded in the Rakuten Ecosystem. In addition, the Company and Mizuho FG signed a shareholders agreement (hereinafter, together with the Share Transfer agreement, the "Agreement") on the same date.

  1. Background and significance of this alliance
      Since the "Announcement Regarding Conclusion of Strategic Capital and Business Alliance between Rakuten Securities Holdings and Mizuho Securities” on October 7, 2022 and the "Announcement Regarding Strengthening of Strategic Capital and Business Alliance between Rakuten Securities Holdings and Mizuho Securities” on November 9, 2023, Mizuho FG has been deepening its efforts, including collaboration between the two Groups, to build new retail business models that combine both online and offline aspects in the asset building and asset management fields between Rakuten Securities Holdings, Inc. and Mizuho Securities Co., Ltd. (Headquarters: Chiyoda-ku, Tokyo; President and CEO: Yoshiro Hamamoto; hereinafter "Mizuho Securities"). To further grow Rakuten Card, the core business of our FinTech operations, we aim to accelerate our collaboration with Mizuho FG and pursue growth opportunities in the corporate sector, which is expected to expand in the future, in addition to our strong business for individual customers. The Company believes that deepening and expanding its partnership with Mizuho FG, which has a broad customer base, will not only expand Rakuten Card's business areas and achieve sustainable growth, but also aim to further expand and develop the entire Rakuten Fintech ecosystem with Rakuten Card at its core, which will contribute to enhancing the corporate value of the Company.

  2. Details of capital and business alliance, etc.
    (1) Details of the business partnership
     The Company also today signed separate business agreements with Rakuten Card and Mizuho FG companies. For details, please see the press release "Rakuten Group, Rakuten Card, Mizuho Financial Group, Mizuho Bank, UC Card and Orient Corporation Form Business Alliance to Transform Digital Payments in Japan." By bringing together the strengths of each company, we aim to provide customers with more convenient and advantageous shopping experiences, and provide merchants with services that contribute to acquiring new customers and increasing sales. We will work together to create new innovative payment services that are unlike anything currently in the market. Through these efforts, we believe we can create new added value for both customers and merchants, stimulate consumption, and promote corporate growth, thereby contributing to the improvement of the corporate value of each company and ultimately to the development of the Japanese economy.

    (2) Transfer amount and shareholding status before and after the transfer
     Under this Agreement, the Company will transfer 14.99% of Rakuten Card's common stock to Mizuho FG. The transfer amount is expected to be 164,997 million yen.

  3. Overview of Rakuten Card (as of December 31, 2023)

(1)

Name

Rakuten Card Co., Ltd.

(2)

Address

2-6-21 Minami Aoyama, Minato-ku, Tokyo

(3)

Name and position of representative

Masayuki Hosaka, President

(4)

Description of business

Credit cards, card loans, credit guarantee services, etc.

(5)

Capital

19,323 million yen

(6)

Date of incorporation

December 6, 2001

(7)

Outstanding shares

84,128 shares

(8)

Fiscal term

December 31

(9)

Number of employees

4,380

(10)

Major customers

Retail customers

(11)

Main banks

Rakuten Bank, Ltd., Mizuho Bank, Ltd.

(12)

Major shareholders and

shareholding ratio

Rakuten Group, Inc. 100%   

(13)

Relationship between
Rakuten Group and this company

 

Capital

Rakuten Group is a parent company of Rakuten Card and owns 84,128 shares (100.00% of shareholding) of Rakuten Card common stock as of today.

Personnel

As of today, 4 directors of Rakuten Group also serve as directors of Rakuten Card.

Business transactions

There are transactions between Rakuten Card and Rakuten Group, including dividend payments, management guidance fees, brand royalty payments, and business outsourcing transactions.

Status as related parties

Rakuten Group is a parent company of Rakuten Card, and therefore Rakuten Card is a related party to Rakuten Group

(14)

Business results and financial position of the latest 3 fiscal years

Consolidated, IFRS

 

 

Year Ended December 31, 2021

Year Ended December 31, 2022

Year Ended December 31, 2023

 

Total equity attributable to owners of the parent company (million yen)

513,040

126,964

147,230

 

Total assets (million yen)

13,884,877

4,087,679

4,190,330

 

Total equity attributable to owners of the parent company per share (yen)

6,523,158.50

1,614,305.26

1,750,071.85

 

Revenue (million yen)

375,096

381,832

406,350

 

Operating income (million yen)

52,567

52,683

69,560

 

Income  before income tax (million yen)

52,509

52,550

69,204

 

Net income attributable to owners of the parent company (million yen)

66,299

49,674

48,484

 

Net income attributable to owners of the parent company per share (yen)

854,494.23

631,588.07

609,363.82

*Consolidated Basis: Consolidated subsidiaries include Rakuten Insurance Holdings Co., Ltd., Rakuten Life Insurance Co., Ltd., Rakuten General Insurance Co., Ltd., Rakuten Payment, Inc., Rakuten Edy, Inc., etc.

  1. Overview of the Alliance partner (As of March 31, 2024)

(1)

Name

Mizuho Financial Group, Inc.

(2)

Address

Otemachi Tower, 1-5-5 Otemachi, Chiyoda-ku, Tokyo

(3)

Name and position of representative

Masahiro Kihara, President & Group CEO

(4)

Description of business

Management of bank holding company, bank, securities company, and other companies that can be subsidiaries under the Banking Act, as well as related operations, and other businesses that a bank holding company is permitted to engage in under the Banking Act.

(5)

Capital

JPY 2,256.8 billion

(6)

Date of incorporation

January 8, 2003

(7)

Consolidated net assets

JPY 10,312.1 billion

(8)

Consolidated assets

JPY 278,672.2 billion

(9)

Major shareholders and

shareholding ratio

The Master Trust Bank of Japan, Ltd. (trustee account) 15.44%

Custody Bank of Japan, Ltd. (trustee account) 5.18%

JPMorgan Securities Japan Co., Ltd.2.05%.

State Street Bank West Client– Treaty 505234 2.04%

JPMorgan Chase Bank 385781 1.38%

SMBC Nikko Securities Inc 1.26%

SSBTC Client Omnibus Account 1.18%

Goldman Sachs Japan, Co., Ltd. BNYM 1.08%

Custody Bank of Japan, Ltd. (taxable trust money account) 1.02%

Custody Bank of Japan, Ltd. (trustee account 4) 0.96%

(10)

Business results and financial position of the latest 3 fiscal years

Consolidated, J-GAAP

 

 

Year Ended March 31, 2022

Year Ended March 31, 2023

Year Ended March 31, 2024

 

Total net assets (million yen)

9,201,031

9,208,463

10,312,135

 

Total assets (million yen)

237,066,142

254,258,203

278,672,151

 

Total net assets per share of common stock (yen)

3,581.39

3,603.98

4,037.28

 

Ordinary income (million yen)

3,963,091

5,778,772

8,744,458

 

Ordinary profit (million yen)

559,847

789,606

914,047

 

Income before income taxes

(million yen)

603,872

778,964

955,035

 

Profit attributable to owners of parent (million yen)

530,479

555,527

678,993

 

Net income per share of common stock (million yen)

209.27

219.20

267.88


  5. Schedule
(1)  Date of Board of Directors                November 13, 2024

(2)  Date of signing of the agreement   November 13, 2024

(3)  Date of execution of share transfer (planned)    December 1, 2024


  6. Impact on financial results
 In connection with this transaction, the Company will record a special profit of 159,353 million yen from the gain on the sale of affiliated companies in its non-consolidated financial statements for the fiscal year ending December 2024. As Rakuten Card will remain a consolidated subsidiary of the Company even after this agreement is concluded, there will be no material impact on the company's consolidated financial results.

*Please note that the information contained in press releases is current as of the date of release.

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