Press Release
January 16, 2026
SBI Sumishin Net Bank, Ltd.
SBI Sumishin Net Bank Receives “AA+” Long-term Issuer Rating
from Japan Credit Rating Agency (JCR)
SBI Sumishin Net Bank, Ltd. (Head Office: Minato-ku,Tokyo; President & CEO: Noriaki Maruyama; henceforth referred to as “SSNB”) today announced that Japan Credit Rating Agency, Ltd. (“JCR”) has upgraded the Bank’s long-term issuer rating to AA+.
Rating Details
| Item | Long-term Issuer Rating |
|---|---|
| Rating | AA+ |
| Rating Outlook |
Stable |
Rating Agency
Japan Credit Rating Agency, Ltd. (JCR)
Effective Date of Change
January 13, 2026
About SBI Sumishin Net Bank
SBI Sumishin Net Bank (“SSNB”) is an online bank that was founded in 2007 and became the first Japanese internet bank to be listed on the Tokyo Stock Exchange Standard Market in March 2023. By leveraging the most advanced technology solutions, SSNB offers safe, secure and convenient banking experience to its customers.
In the digital bank business, SSNB has now over 7 million customer accounts with over 9 trillion yen (*1) in deposits. It consistently ranks high in customer satisfaction by recognizing individual needs of different lifestyles and life stages as well as by offering a well-designed user interface and experience.
Its mortgage business, which has built on a unique business model, is the largest among Japanese banks in terms of the amount of newly originated mortgage loans (*2).
SSNB’s NEOBANK® is a full-service BaaS (banking as a service) product offering that enables its brand partners to offer a full range of banking services to their customers. As a pioneer in the sector, it boasts a number of BaaS partnerships with Japan’s leading brands and businesses.
SSNB is vigorously engaged in non-financial activities as well including data initiatives and carbon credit trading in an endeavor to balance business growth with social responsibility.
Moving forward, SSNB will remain committed to embracing corporate social responsibility and sustainable growth as a fintech that goes beyond banking services to realize a society where prosperity and abundance circulate driven by the power of technology and a spirit of fairness.
To learn more about SBI Sumishin Net Bank, please visit: www.netbk.co.jp/contents/company/en/
(*1) The number of deposit accounts is as of February 7, 2024, and the balance of deposits is as of December 11, 2023.
(*2) This statement is base on our research as of March 31, 2023, using data disclosed by multiple domestic banks including Resona Holdings, Sumitomo Mitsui Financial Group, Sumitomo Mitsui Trust Holdings, and Mizuho Financial Group, as well as our own.
(*3) NEOBANK® is a registered trademark of SBI Sumishin Net Bank. The Registered trademark number is 5953666.
Contact
For further information about this press release, please contact:
SBI Sumishin Net Bank, Public Relations
ir_csr_sdgs@netbk.co.jp
Note: This content has been translated from the Japanese original using artificial intelligence (AI) or machine translation technology for reference purposes only.
In the event of any discrepancy between this translated document and the Japanese original, the original shall prevail.