Japan Post Bank Co., Ltd. · TSE:7182

Japan Post Bank — H1 FY2017 Earnings Presentation

33 slides from Japan Post Bank's earnings presentation, Nov 14, 2017

  1. Slide 1: BP ps5 a8eiT

    BP ps5 a8eiT 2018 30 3 2017 11 14

  2. Slide 2: P. 2 P. 9 P. 4

    P. 2 P. 9 P. 4 P.10 P. 5 P.11 P. 6 P.12 P. 7 P.14 11 P.26 P.15 12 P.27 P.16 13 P.27 P.16 14 P.28 P.17 15 P.29 P.19 P.20 P.22 P.23 10 P.24 Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved.

  3. Slide 3: BP ps6 48817

    BP ps6 48817

  4. Slide 4: Summary of financial results

    2017  414 7,577 2017 9,772 112 430 41 4.6% 485 2,571 447  87 5,222 21.0%  1,815 501 2,354 305  54 20.2% 447 2,571 2017  1,815 305 4,900 52.4% 3,500 51.8% 3,500 51.8% Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved. 2

  5. Slide 5: Income statement summary

    % 2017 2016 2017 9 2017 3 7,577 7,163 414 2,098,010 2,095,688 2,321 6,180 6,293 112 526,805 512,819 13,986 471 429 41 5,512 4,700 812 925 440 485 84,648 87,189 2,540 877 390 487 39,694 38,179 1,515 30 40 10 1,364,120 1,387,924 23,803 1 5,222 5,309 87 47,962 40,641 7,321 0 0 0 1,979,150 1,977,887 1,2

  6. Slide 6: Net interest income

     2017 6,180 0.60% 2017 2016 1.4% 17,500 3,823 4,564 741 15,407 1.2% 14,702 15,000 4,821 5,801 979 13,610 3,225 4,170 945 1.0% 12,235 12,500 997 1,236 238 0.8% 0.76% 10,000 0.73% 2017 2016 0.66% 0.60% 0.60% 2,356 1,728 628 0.6% 7,500 7,771 7,435 6,994 3,774 2,887 886 6,293 6,180 0.4% 5,000 3,765 2,8

  7. Slide 7: Fees and other income

     2017 41 471 2017 2016 6,000 5,443 5,000 471 429 41 4,270 4,000 296 293 2 3,000 3,577 38 35 2 2,000 2,314 2,437 93 50 43 1,000 42 49 7 0 2015 2016 2017 16,000 1,000 922 907 15,215 800 14,000 13,101 600 400 480 12,000 429 11,355 200 236 10,000 0 0 2016 3 2017 3 2017 9 2015 2016 2017 Copyright © 2017

  8. Slide 8: General and administrative expenses

     2017 87 5,211 12,000 10,640 10,540 2017 2016 10,000 629 622 6 515 512 2 8,000 4,196 4,287 91 6,000 3,018 3,090 72 5,305 5,299 5,211 4,000 28 41 13 302 330 28 2,000 385 389 3 5,211 5,299 87 0 2015 2016 2017 Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved. 6

  9. Slide 9: Assets and securities composition

     2017 9 64.4 54.6 2017 9 2017 3 % % 9.2 1,364,120 65.8 1,387,924 66.9 23,803 4.4% 644,752 31.1 688,049 33.2 43,297 1 173,321 8.3 170,704 8.2 2,617 546,046 26.3 529,170 25.5 16,876 64.4 211,066 10.1 201,434 9.7 9,632 52.7 31.1% 25.4% 334,910 16.1 327,267 15.7 7,642 4.7 2.3% 207.0 39,694 1.9 38,179 1

  10. Slide 10: Securities valuation gains and losses

     2017 9 4 4,241 2017 9 2017 3 349,944 11,724 383,169 14,565 2017 9 2017 3 1,053,463 47,558 1,044,701 45,661 1,014,423 35,258 1,006,669 32,821 321,309 11,676 334,875 13,207 210,742 15,937 200,785 13,351 332,036 6,061 326,042 4,350 150,334 1,582 144,965 1,911 363 1,853 39,039 11,937 38,032 10,986 21,

  11. Slide 11: Deposits

     2017 9 179.4 2017 9 2017 3 180 179.4 179.4 71.2 67.9 3.3 177.7 177.8 178.4 13.4 13.0 0.3 57.4 54.5 2.9 170 0.3 0.3 0.0 108.0 111.2 3.2 9.5 10.0 0.5 160 98.4 101.2 2.7 0.1 0.1 0.0 179.4 179.4 0.0 0 150 2015 3 2016 3 2017 3 2016 9 2017 9 Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved

  12. Slide 12: Capital ratio

     2017 9 19.64% % 70 % 2017 9 2017 3 60 56.81 87,033 86,169 864 50 443,089 387,798 55,291 40 38.42 414,757 359,065 55,691 30 26.38 19.64 22.22 2.57 22.22 19.64 20 10 0 2014 3 2015 3 2016 3 2017 3 2017 9 Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved. 10

  13. Slide 13: Earnings forecast

    1 25 50 2017 1 60 50 50 50 50% 40 25 25 30 1 20 10 25 25 0 2016 2017 1,874 1,874 3,122 3,500 60.0% 53.5% Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved. 11

  14. Slide 14: Assets under management

    2017 9 2017 3 1 80 1,267,456 1,290,981 23,525 72.9 70.4 569,032 546,460 22,572 64.4 61.5 60 687,193 733,145 45,951 48.0 2 11,229 11,375 145 40 1 729,117 704,526 24,590 63,300 60,822 2,478 20 80,095 77,191 2,904 0 4 538,620 523,748 14,872 2015 3 2016 3 2017 3 2016 9 2017 9 1 3 11,556 10,695 861 27,18

  15. Slide 15: BP ps6 48817

    BP ps6 48817

  16. Slide 16: Balance sheet

    2017 9 2017 3 2017 2017 52,680,595 51,281,921 1,398,673 179,419,380 179,434,686 15,305 551,273 470,000 81,273 45,436 45,436 8,464,850 8,718,905 254,055 1,252,766 960,937 291,828 255,429 252,214 3,215 13,233,442 13,694,294 460,852 119 9 109 304,764 40,324 264,440 3,969,430 3,817,908 151,521 399 407 7

  17. Slide 17: Income statement

    2017 2016 2017 2016 757,756 716,336 41,419 512 338 174 618,062 629,304 11,242 511 313 197 47,127 42,994 4,132 1 24 22 92,566 44,037 48,529 256,671 212,124 44,546 87,779 39,038 48,741 75,143 66,254 8,889 3,042 4,095 1,053 27 5,103 5,076 522,253 530,999 8,746 75,115 61,150 13,965 64,056 63,341 714 181

  18. Slide 18: Yields and spreads

    % 2017 2016 0.17 0.14 0.02 3.06 2.60 0.45 68.92 74.12 5.20 0.57 0.59 0.01 1 2 100 2 2 100 3 100 4 100 5 % 2017 2016 0.77 0.79 0.02 0.71 0.73 0.02 0.16 0.17 0.00 0.06 0.06 0.00 0.60 0.62 0.01 Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved. 16

  19. Slide 19: Average balances and yields

    % 2017 2016 194,888,309 482,155 0.49 193,355,723 580,150 0.59 0.10 4,051,668 7,239 0.35 2,528,481 9,393 0.74 0.38 83,794,070 384,237 0.91 95,287,659 486,157 1.01 0.10 8,484,357 732 0.01 8,186,708 739 0.01 0.00 53,043,130 11,552 0.04 47,323,916 12,187 0.05 0.00 186,230,810 99,762 0.10 184,383,908 123

  20. Slide 20: Average balances and yields (total)

    % 2017 2016 201,314,127 781,220 0.77 199,167,228 797,269 0.79 0.02 4,051,750 7,239 0.35 2,531,781 9,399 0.74 0.38 135,503,701 760,795 1.11 140,941,677 774,338 1.09 0.02 8,484,357 732 0.01 8,186,708 739 0.01 0.00 53,122,767 12,090 0.04 47,407,161 12,676 0.05 0.00 191,483,750 163,158 0.16 189,566,667

  21. Slide 21: Assets composition

    % 2017 9 2017 3 52,713,467 25.45 51,213,391 24.71 1,500,075 551,273 0.26 470,000 0.22 81,273 8,464,850 4.08 8,718,905 4.20 254,055 3,969,430 1.91 3,817,908 1.84 151,521 2,182,067 1.05 2,079,290 1.00 102,776 0 0.00 0 0.00 0 1,263,701 0.61 1,274,178 0.61 10,477 136,412,090 65.87 138,792,448 66.98 2,38

  22. Slide 22: Securities by category

    2017 9 2017 3 32,344,289 1,111,755 35,317,430 1,373,826 2,973,141 262,071 44,618 115 44,618 115 2,617,718 51,136 2,889,963 70,626 272,244 19,489 32,433 9,571 64,911 11,981 32,478 2,409 32,433 9,571 64,911 11,981 32,478 2,409 34,994,441 1,172,464 38,316,923 1,456,549 3,322,482 284,084 2017 9 2017 3 4

  23. Slide 23: Securities holdings

    2017 9 2017 3 3,903,988 1,193,709 3,803,267 1,098,661 100,720 95,047 2,182,067 1,161,585 2,079,290 1,058,661 102,776 102,924 0 0 0 0 0 0 1,263,701 32,123 1,274,178 40,000 10,477 7,877 1 1 2 3 2017 147 2016 3,734 2017 9 2017 3 4,829,504 179,466 4,498,510 195,410 330,994 15,944 4,058,525 142,703 2,971

  24. Slide 24: Interest income breakdown

    % 2017 2016 62,961 12.08 62,281 11.75 680 51,544 9.89 51,253 9.67 290 11,417 2.19 11,027 2.08 389 419,629 80.51 428,729 80.90 9,100 301,824 57.91 309,044 58.31 7,220 2,839 0.54 4,185 0.78 1,345 30,269 5.80 33,083 6.24 2,813 6,336 1.21 6,197 1.16 138 25,694 4.93 25,524 4.81 170 19,575 3.75 17,424 3.2

  25. Slide 25: Securities breakdown

    % 2017 2017 3 4,791,252 100.00 4,064,120 100.00 727,132 76,201 1.59 75,811 1.86 390 10,456 0.21 10,518 0.25 62 1,282,263 26.76 1,311,274 32.26 29,011 24,039 0.50 14,062 0.34 9,976 22,781 0.47 23,044 0.56 262 3,192,090 66.62 2,440,005 60.03 752,085 183,420 3.82 189,404 4.66 5,983 5,000 100.00 5,000 5

  26. Slide 26: Deposit breakdown

    % 2017 9 2017 3 71,297,787 39.73 67,994,923 37.89 3,302,863 13,410,607 7.47 13,052,115 7.27 358,492 57,493,310 32.04 54,550,845 30.40 2,942,465 393,868 0.21 391,963 0.21 1,905 108,010,025 60.19 111,280,733 62.01 3,270,708 9,551,007 5.32 10,065,156 5.60 514,148 98,459,017 54.87 101,215,576 56.40 2,75

  27. Slide 27: Deposit balances

    % 2017 2016 70,158,867 38.93 64,843,135 36.25 5,315,731 13,429,489 7.45 13,257,314 7.41 172,175 56,336,998 31.26 51,197,303 28.62 5,139,694 392,380 0.21 388,518 0.21 3,861 109,876,279 60.97 113,818,347 63.64 3,942,068 9,798,752 5.43 11,092,242 6.20 1,293,489 100,077,526 55.54 102,725,221 57.44 2,647

  28. Slide 28: Other financial data

    2017 9 2017 3 184,681 134,770 49,911 64 87 23 45,817 45,586 230 9,187 8,463 723 333 427 93 2,687 2,642 45 101,583 51,461 50,121 4,275 3,101 1,174 20,732 22,998 2,266 1,462,810 1,405,320 57,489 1,456,920 1,399,193 57,727 5,889 6,127 237 1,278,129 1,270,550 7,578 Copyright © 2017 JAPAN POST BANK CO.,

  29. Slide 29: Loans and related data

    % 2017 9 2017 3 4,873,299 4,145,468 727,830 4,873,299 4,145,468 727,830 2017 9 2017 3 1,108 1,096 11 272 267 5 835 829 6 Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved. 27

  30. Slide 30: Capital adequacy data

    % 2017 9 2017 3 8,723,682 8,636,164 87,517 20,319 19,224 1,095 8,703,363 8,616,940 86,422 44,308,934 38,779,806 5,529,128 41,475,700 35,906,558 5,569,142 8 2,833,234 2,873,248 40,014 8 19.64 22.22 2.57 % 2017 9 2017 3 9,390 9,618 228 2,141 2,380 239 6,419 6,544 124 87,033 86,169 864 10.78 11.16 0.37

  31. Slide 31: Supplementary data

    2017 2016 699 594 104 357,739 243,744 113,994 2017 9 2016 9 807 721 86 1,521,554 1,162,855 358,698 2017 2016 4,882 8,285 3,403 23,693 42,974 19,280 2017 9 2016 9 105,389 91,061 14,328 552,128 480,696 71,431 Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved. 29

  32. Slide 32: Supplementary data

    2017 2016 31 32 1 2017 9 2016 9 1,083 1,149 66 2017 2016 18,701 20,132 1,431 2017 9 2016 9 401,960 363,483 38,476 Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved. 30

  33. Slide 33: Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved.

    Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved.

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