Japan Post Bank Co., Ltd. · TSE:7182

Japan Post Bank — FY2024 Earnings Presentation

26 slides from Japan Post Bank's earnings presentation, May 2025

  1. Slide 1: BP p55 c8hiT

    2025 3 2024 8 9 BP p55 c8hiT

  2. Slide 2: P. 2 P.12 P. 3

    P. 2 P.12 P. 3 P.13 P. 4 P.14 P. 5 P.15 P. 6 P.15 P. 7 P.16 P. 8 P.17 P. 9 P.19 P.10 P.20 P.21 P.22 P.23 JP 12 ATM JP

  3. Slide 3: BP ps5 48ht7 [

    BP ps5 48ht7 [

  4. Slide 4: Summary of financial results

     962 94 26.3% 2023 2024  1 1 1 1,893 3,190 1,296 894 2 1,691 2,586 894 6 3 386 393 6 394 4 184 209 394  5 128 212 340 7  6 56 3 53 7 2,373 2,380 7 1,096 8 0 0 0  9 479 809 1,288 192 10 1,664 567 1,096 5,250 26.2%  11 1,184 1,377 192 3,650 26.3% 12 868 962 94 2021 2025 ROE 2 100 % OHR 100 13 RO

  5. Slide 5: Net income and income components

     2024 1 898 2,586 0.43%  2023 2024 1.2% 11,475 12,000 1 1 1,688 2,586 898 3,379 4,575 1,196 1.0% 9,618 10,000 477 550 73 2,686 3,695 1,008 7,851 1 326 425 99 0.8% 8,000 7,155 1,691 1,989 298 7 -3 0.6% 6,000 0.52% 4,000 3,294 0.45% 0.43% 2 3,000 2,164 0.4% 0.34% 4,000 1,915 1,465 1 0.30% 2,000 859

  6. Slide 6: Key performance indicators

     2024 1 7 391 ATM 2023 2024 1,515 1 1 1,463 1,500 127 383 391 7 1,274 104 118 122 72 229 223 5 136 328 373 1,000 ATM 91 96 4 227 29 32 2 383 391 33 39 6 500 911 837 892 29 33 32 39 91 96 229 223 0 2021 2022 2023 2023 2024 1 1 2023 2024 1 1 1,672 2,463 791 KPI KPI 1,600 94 796 1,465 668 1,500 90 73

  7. Slide 7: Net interest income

     2024 1 7 2,371 12,000 4 -6 7 -3 2023 2024 1 1 10,000 276 266 10 9,221 9,248 227 225 1 8,000 1,999 1,971 27 6,000 846 816 29 609 616 7 4,000 69 70 0 2,000 2,357 2,363 2,371 87 132 45 2,363 2,371 7 0 2022 2023 2024

  8. Slide 8: Income and gains

    2024 6 238.6 2024 6 193.3 125.4 67.7 238.6 2024 6 194.9 192.8 196.0 193.3 200 149.8 150 119.6 122.3 124.3 125.4 44.7 193.3 89.2 100 50 88.7 36.1 75.2 68.3 73.5 67.7 6.2 5.7 9.2 0 2023 3 2024 3 2023 6 2024 6

  9. Slide 9: Securities portfolio

     2024 6 44.7 89.2 250 2024 3 2024 6 231.0 235.3 % % 229.6 226.3 220.5 13.6 13.2 13.7 1 1,464,593 63.3 1,498,464 63.6 33,870 13.1 11.5 2 438,620 18.9 447,322 19.0 8,701 200 57.8 59.9 3 1 159,923 6.9 159,103 6.7 819 66.6 68.2 60.6 4 866,048 37.4 892,037 37.9 25,988 6.8 5.7 150 4.4 6.1 6.2 5 293,267 1

  10. Slide 10: Securities by holding category

     2024 6 3,842 5,066 2024 3 2024 6 1 1,155,280 19,475 1,147,527 20,321 846 2 1,093,644 34,589 1,084,899 37,897 3,307 3 233,129 8,815 215,462 13,196 4,381 4 224,085 33,930 221,402 40,927 6,996 5 571,560 9,881 587,639 10,833 951 6 64,869 407 60,394 666 259 7 22,562 24,495 1,932 8 61,635 7,447 62,627 6

  11. Slide 11: Capital ratio

     2024 6 14.86% Tier1 12.22% % % 30 2024 3 2024 6 93,259 94,157 898 621,190 633,574 12,384 600,350 612,734 12,384 20 15.01 14.86 0.15 15.53 15.56 15.53 15.01 14.86 % 10 10% 2024 3 2024 6 2021 2025 13.39 12.22 1.17 4% 13.23 12.22 1.00 0 2021 3 2022 3 2023 3 2024 3 2024 6

  12. Slide 12: Key performance indicators

    KPI 120 114 16 110.0 KPI 107.4 14 99.4 14 12.8 100 94.9 12.1 12.8 91.1 10.1 1.5 2.5 1.3 12.1 6.4 2.6 1.1 4.2 12 2.8 2.3 2.9 2.6 1.0 2.6 2.6 80 10.1 10 0.8 4.5 4.3 60 8 3.5 78.0 80.1 6.4 68.2 69.8 71.3 6 0.6 40 4.2 2.6 4 0.4 6.7 7.1 1.1 20 1.5 5.6 1.2 1.1 2 1.0 3.2 7.5 7.4 7.3 7.4 7.3 2.2 5.4 5.5 5.6

  13. Slide 13: BP ps5 48ht7 [

    BP ps5 48ht7 [

  14. Slide 14: Balance sheet

    2024 3 2024 6 2024 3 2024 6 57,701,930 59,739,627 2,037,697 192,802,939 193,303,626 500,686 2,010,000 1,725,000 285,000 24,042,626 27,773,420 3,730,794 9,742,621 9,454,684 287,937 2,373,799 2,679,057 305,258 515,606 518,158 2,552 1,984,900 1,984,900 54 151 96 1,273 1,259 13 6,163,585 6,262,789 99,20

  15. Slide 15: Income statement

    2023 2024 2023 2024 1 1 1 1 188,005 318,752 130,746 119 91 27 168,806 258,632 89,826 119 90 28 38,344 39,134 789 0 0 19,145 20,985 40,131 119,699 128,377 8,677 13,469 21,245 34,715 31,301 33,109 1,807 5,679 330 5,349 862 3,707 2,845 236,660 237,438 778 32,163 36,817 4,653 28,028 26,963 1,064 87,535

  16. Slide 16: Income statement details

    2023 1 2024 1 60,029 71,809 11,780 67,183 87,881 20,698 47,793 55,095 7,302 7,154 16,072 8,917 2023 1 2024 1 108,776 186,823 78,046 270,783 372,265 101,481 268,698 369,503 100,804 162,006 185,442 23,435 2023 1 2024 1 168,806 258,632 89,826 337,939 457,575 119,636 169,132 198,942 29,809 1 2 2024 1 2,

  17. Slide 17: Yields and spreads

    % 2023 1 2024 1 0.61 0.80 0.18 0.77 0.80 0.03 0.32 0.36 0.04 0.15 0.00 0.15 0.29 0.43 0.14 % 2023 1 2024 1 220,390,944 337,939 0.61 228,366,940 457,575 0.80 0.18 5,618,176 2,362 0.16 6,237,544 2,609 0.16 0.00 137,496,149 325,893 0.95 150,182,117 435,688 1.16 0.21 66,613,831 7,700 0.04 60,227,104 15,

  18. Slide 18: Assets by category

    % 2024 3 2024 6 57,872,310 25.04 59,926,992 25.46 2,054,681 2,010,000 0.86 1,725,000 0.73 285,000 9,742,621 4.21 9,454,684 4.01 287,937 6,163,585 2.66 6,262,789 2.66 99,203 1,127,552 0.48 1,156,295 0.49 28,743 1,210,849 0.52 1,170,598 0.49 40,250 146,459,322 63.38 149,846,411 63.66 3,387,089 43,862,

  19. Slide 19: Securities details

    2024 3 2024 6 122,475 384,210 506,686 2024 3 2024 6 18,927 18,927 29,210,352 921,095 26,988,047 1,384,448 2,222,304 463,353 23,312,956 881,501 21,546,285 1,319,691 1,766,671 438,190 1,334,299 2,956 1,173,011 5,913 161,288 2,957 891,924 827,250 64,673 3,671,172 36,637 3,441,500 58,843 229,671 22,206

  20. Slide 20: Securities details

    2024 3 2024 6 6,163,585 744,794 6,262,789 691,939 99,203 52,855 1,127,552 732,729 1,156,295 716,385 28,743 16,343 1,210,849 86,482 1,170,598 123,857 40,250 37,374 1 2 2024 1 354 2023 378 2024 3 2024 6 8,549,838 67,838 8,463,148 86,183 86,690 18,344 8,803,258 1,892,890 8,865,673 2,502,541 62,414 609,

  21. Slide 21: Composition of assets

    % 2023 1 2024 1 27,681 11.71 26,636 11.23 1,045 22,713 9.61 22,581 9.52 131 4,968 2.10 4,054 1.70 914 199,905 84.59 197,189 83.16 2,716 84,604 35.80 81,675 34.44 2,928 60,907 25.77 61,683 26.01 776 6,981 2.95 7,021 2.96 40 2,658 1.12 2,586 1.09 71 17,427 7.37 17,681 7.45 254 9,835 4.16 10,838 4.57 1

  22. Slide 22: Liabilities

    % 2024 3 2024 6 6,828,393 100.00 5,701,723 100.00 1,126,670 144,420 2.11 150,577 2.64 6,156 79,832 1.16 84,555 1.48 4,723 54,001 0.79 50,589 0.88 3,412 415,182 6.08 405,193 7.10 9,988 121,101 1.77 119,273 2.09 1,827 72,422 1.06 70,894 1.24 1,528 5,868,195 85.93 4,757,878 83.44 1,110,317 73,236 1.07

  23. Slide 23: Deposits

    % 2024 3 2024 6 124,314,467 64.47 125,470,914 64.90 1,156,446 12,694,358 6.58 11,934,770 6.17 759,587 110,801,852 57.46 112,710,952 58.30 1,909,100 818,257 0.42 825,191 0.42 6,933 68,379,585 35.46 67,707,218 35.02 672,367 3,581,797 1.85 5,348,425 2.76 1,766,628 64,797,788 33.60 62,358,793 32.25 2,43

  24. Slide 24: % 7,032,687 5,838,431 1,194,255 7,032,687 5,838,431 1,194,255 0.00 0.00 0.00

    % 2024 3 2024 6 0 0 0 0 0 0 7,032,687 5,838,431 1,194,255 7,032,687 5,838,431 1,194,255 0.00 0.00 0.00

  25. Slide 25: Securitized products

    SPE 2024 3 2024 6 RMBS 1,188,174 34,502 1,205,722 53,577 354,848 18,913 397,092 26,973 833,326 15,588 808,629 26,603 CLO 325,031 420 324,943 916 CMBS CDO 483 7 447 6 1,513,688 34,915 1,531,113 54,487 RMBS 21,302 4,799 19,996 6,561 CLO 2,765,100 649,484 2,675,194 738,085 2,020,261 363,990 2,204,742 5

  26. Slide 26: BP ps5 48ht7 I

    BP ps5 48ht7 I

Japan Post Bank — FY2024 Earnings Presentation on 6ix