Japan Post Bank Co., Ltd. · TSE:7182

Japan Post Bank — H1 FY2023 Earnings Presentation

32 slides from Japan Post Bank's earnings presentation, Nov 13, 2023

  1. Slide 1: BP p55 c8hiT

    2024 3 2023 11 13 BP p55 c8hiT

  2. Slide 2: P. 2 P.14 P. 3

    P. 2 P.14 P. 3 P.15 P. 4 P.16 P. 5 P.17 P. 6 P.18 P. 7 P.20 P. 8 P.21 P. 9 P.23 P.10 P.24 P.25 P.26 P.27 P.12 P.27 P.28 P.29 JP 7 ATM JP

  3. Slide 3: BP ps5 48ht7 [

    BP ps5 48ht7 [

  4. Slide 4: Income statement summary

     1,821 235 54.3% 2022 2023  919 1 5,763 3,777 1,985 24 2 4,299 3,379 919 3 750 775 24 1,090  4 713 377 1,090 15 5 518 238 757  6 193 139 333 7 4,660 4,676 15 2,337 8 0 0  336 9 1,102 898 2,001 4,700 54.0% 10 1,098 3,436 2,337  3,350 54.3% 11 2,201 2,538 336 12 1,586 1,821 235 50 2021 2025 % RO

  5. Slide 5:  2023 3,375 0.29%  1.2% 12,000 2022 2023 11,475 4,297 3,375 921 9,768

     2023 921 3,375 0.29%  1.2% 12,000 2022 2023 11,475 4,297 3,375 921 9,768 6,110 6,776 665 1.0% 9,618 10,000 1,305 929 375 4,428 5,395 967 0.8% 7,851 8,000 1 1,003 545 457 1,812 3,400 1,587 0.6% 6,000 0.52% 0.47% 0.45% 4,000 3,294 2 3,000 0.4% 0.34% 4,000 1,915 1,465 1 0.29% 2,000 6,665 912 578 963

  6. Slide 6: ATM, NISA and KPI

     2023 25 768 2022 2023 ATM 1,600 742 768 25 1,463 464 455 8 1,400 104 ATM 166 186 20 1,279 1,274 118 97 72 1 61 59 1 1,200 146 136 51 66 14 328 1,000 201 227 2022 2023 800 742 768 66 2,669 3,507 838 51 61 59 1,204 1,373 168 600 166 186 1,263 1,362 99 911 400 834 837 24,207 24,545 337 464 2021 2025

  7. Slide 7:  2023 4,656 2022 2023 12,000 9,790 10,000 450 8 9,221 3,898 3,927 29

     2023 14 4,656 2022 2023 12,000 562 553 8 9,790 10,000 459 450 8 9,221 3,898 3,927 29 8,000 1,742 1,633 109 1,153 1,218 64 6,000 137 139 2 4,992 4,642 4,656 181 174 6 4,000 4,642 4,656 14 2,000 2023 2025 2020 2020 0 2021 2022 2023 368 550

  8. Slide 8:  0.8 230.3  4.9 137.7  0.8 194.1 230.3 2023 193.4 94.9 193.7

     0.8 230.3  4.9 137.7  0.8 194.1 230.3 2023 9 200 193.4 194.9 193.7 194.1 137.7 150 112.2 119.6 115.2 122.1 38.9 194.1 81.8 100 50 92.6 27.1 81.0 75.2 78.3 71.8 6.3 5.7 9.0 0 2022 3 2023 3 2022 9 2023 9

  9. Slide 9:  2023 38.9 81.8 % % 229.6 226.3 226.8 220.5 1,327,694 58.6 1,377,406 60.7

     2023 9 38.9 81.8 250 2023 3 2023 9 % % 229.6 226.3 226.8 220.5 1,327,694 58.6 1,377,406 60.7 49,712 13.2 13.1 13.6 207.5 11.5 381,147 16.8 389,045 17.1 7,898 200 11.3 1 162,974 7.1 170,010 7.4 7,035 66.6 68.2 63.3 60.6 51.4 783,572 34.6 818,351 36.0 34,778 150 4.6 4.4 5.7 261,390 11.5 279,732 12.3

  10. Slide 10:  2023 5,564 7,704 1,127,660 11,173 1,136,005 9,274 1,898 1,062,012 12,161 1,072,855 21,384 9,222

     2023 9 5,564 7,704 2023 3 2023 9 1,127,660 11,173 1,136,005 9,274 1,898 1,062,012 12,161 1,072,855 21,384 9,222 230,721 4,238 226,730 9,490 5,252 223,652 14,761 225,609 27,699 12,938 521,102 1,840 537,402 3,657 1,817 86,536 201 83,113 482 280 13,060 22,264 9,204 65,647 12,072 63,149 10,155 1,916 1

  11. Slide 11: Capital ratio Tier 1

     2023 9 15.30% Tier1 12.38% % % 30 2023 3 2023 9 92,244 93,456 1,211 593,951 610,511 16,560 569,382 587,605 18,222 20 15.53 15.30 0.22 15.58 15.53 15.56 15.53 15.30 % 10 10% 2023 3 2023 9 2021 2025 14.28 12.38 1.89 4% 14.01 12.38 1.62 0 2020 3 2021 3 2022 3 2023 3 2023 9

  12. Slide 12: KPI

    120 12 KPI 11.2 110 103.0 0.9 KPI 99.4 10.1 10 100 94.9 10 91.1 11.2 0.8 6.4 10.1 84.8 4.2 2.3 2.6 2.0 2.9 2.8 2.6 3.3 2.6 2.6 4.0 80 2.2 8 2.2 3.5 6.4 60 6 0.6 71.3 74.0 68.2 69.8 63.4 4.2 2.6 40 4 0.4 3.3 1.5 6.2 0.4 5.6 1.0 1.2 20 2 1.0 3.2 7.5 7.5 7.4 7.3 7.3 2.2 1.7 5.9 5.4 5.5 5.6 5.7 0 0 2020

  13. Slide 13: BP ps5 48ht7 [

    BP ps5 48ht7 [

  14. Slide 14: BP ps5 48ht7 I

    BP ps5 48ht7 I

  15. Slide 15: BP ps5 48ht7 [

    BP ps5 48ht7 [

  16. Slide 16: Balance sheet

    2023 3 2023 9 2023 3 2023 9 68,217,495 63,281,408 4,936,087 194,951,503 194,143,823 807,679 2,460,000 2,340,000 120,000 18,316,621 19,687,186 1,370,564 9,788,452 9,547,389 241,062 1,941,872 2,310,811 368,939 250,241 250,241 1,632,600 1,759,900 127,300 478,286 457,452 20,833 1,411 1,052 359 19 31 12

  17. Slide 17: Income statement

    2022 2023 2022 2023 574,789 376,107 198,682 185 508 322 429,777 337,580 92,197 185 504 319 74,286 76,882 2,595 0 3 2 70,725 38,354 109,080 214,190 254,010 39,820 51,186 24,545 75,731 79,025 75,522 3,502 19,377 13,925 33,303 20,300 3,422 16,878 465,015 466,305 1,289 58,724 72,100 13,376 57,089 56,074

  18. Slide 18: 2022 2023 257,191 117,562 139,628 280,498 132,719 147,778 0,509 92,990 37,518 23,306 15,157 8,149

    2022 2023 257,191 117,562 139,628 280,498 132,719 147,778 130,509 92,990 37,518 23,306 15,157 8,149 2022 2023 172,586 220,017 47,431 445,151 544,939 99,788 442,801 539,519 96,717 272,564 324,922 52,357 2022 2023 429,777 337,580 92,197 611,050 677,644 66,594 181,272 340,064 158,792 1 2 2023 14 2022 1

  19. Slide 19: % 2022 2023 0.54 0.61 0.06 0.60 0.76 0.15 0.16 0.32 0.15 0.05 0.15

    % 2022 2023 0.54 0.61 0.06 0.60 0.76 0.15 0.16 0.32 0.15 0.05 0.15 0.09 0.37 0.29 0.08

  20. Slide 20: % 2022 2023 212,137,338 280,498 0.26 211,088,794 132,719 0.12 0.13 4,973,257 4,890 0.19 5,609,423

    % 2022 2023 212,137,338 280,498 0.26 211,088,794 132,719 0.12 0.13 4,973,257 4,890 0.19 5,609,423 4,678 0.16 0.02 67,285,237 148,476 0.44 59,291,337 112,242 0.37 0.06 63,054,105 14,066 0.04 64,937,779 16,170 0.04 0.00 206,171,509 23,306 0.02 205,074,771 15,157 0.01 0.00 194,436,929 6,768 0.00 195,31

  21. Slide 21: % 2022 2023 221,864,850 611,050 0.54 220,624,767 677,644 0.61 0.06 5,001,272 4,965 0.19 5,639,382

    % 2022 2023 221,864,850 611,050 0.54 220,624,767 677,644 0.61 0.06 5,001,272 4,965 0.19 5,639,382 4,761 0.16 0.02 142,635,792 591,277 0.82 138,893,402 651,761 0.93 0.10 63,054,105 14,066 0.04 64,937,779 16,170 0.04 0.00 212,690,364 181,272 0.16 210,730,345 340,064 0.32 0.15 194,436,929 6,768 0.00 19

  22. Slide 22: % 68,283,567 30.16 63,381,640 27.94 4,901,926 2,460,000 1.08 2,340,000 1.03 120,000 9,788,452 4.32 9,547,389

    % 2023 3 2023 9 68,283,567 30.16 63,381,640 27.94 4,901,926 2,460,000 1.08 2,340,000 1.03 120,000 9,788,452 4.32 9,547,389 4.20 241,062 250,241 0.11 250,241 6,564,738 2.89 6,314,922 2.78 249,815 1,857,660 0.82 1,471,483 0.64 386,177 1,270,609 0.56 1,202,971 0.53 67,637 132,769,420 58.64 137,740,687

  23. Slide 23: 15,042,583 236,650 16,231,556 834,287 1,188,972 597,636 3,581,661 26,442 4,047,196 54,878 465,535 28,435 4,655,700 33…

    2023 3 2023 9 15,042,583 236,650 16,231,556 834,287 1,188,972 597,636 3,581,661 26,442 4,047,196 54,878 465,535 28,435 4,655,700 33,719 5,217,708 80,159 562,007 46,439 3,773,727 8,507 5,412,359 189,097 1,638,632 197,604 3,773,727 8,507 5,412,359 189,097 1,638,632 197,604 27,053,673 305,320 30,908,82

  24. Slide 24: 6,564,738 1,207,209 6,314,922 1,015,514 249,815 191,694 1,857,660 1,104,910 1,471,483 961,023 386,177 143,886 1,270,6…

    2023 3 2023 9 6,564,738 1,207,209 6,314,922 1,015,514 249,815 191,694 1,857,660 1,104,910 1,471,483 961,023 386,177 143,886 1,270,609 58,856 1,202,971 100,111 67,637 41,255 1 2 2023 581 2022 3,195 2023 3 2023 9 8,888,437 47,645 8,933,919 125,651 45,481 173,297 9,189,575 855,658 8,833,361 1,609,565 3

  25. Slide 25: % 2022 2023 56,275 12.12 55,382 11.89 45,900 9.88 45,088 9.68 811 10,374 2.23

    % 2022 2023 56,275 12.12 55,382 11.89 892 45,900 9.88 45,088 9.68 811 10,374 2.23 10,293 2.21 80 389,811 83.97 392,731 84.34 2,919 174,297 37.54 163,388 35.09 10,909 115,355 24.85 121,814 26.16 6,458 13,757 2.96 13,962 2.99 205 5,414 1.16 5,283 1.13 130 33,077 7.12 34,554 7.42 1,476 17,879 3.85 20,6

  26. Slide 26: % 5,571,866 100.00 5,723,433 100.00 151,566 114,676 2.05 24,091 2.16 9,414 98,563 1.76 88,915

    % 2023 3 2023 9 5,571,866 100.00 5,723,433 100.00 151,566 114,676 2.05 124,091 2.16 9,414 98,563 1.76 88,915 1.55 9,647 38,585 0.69 40,382 0.70 1,796 477,763 8.57 454,987 7.94 22,776 113,654 2.03 109,877 1.91 3,776 74,825 1.34 70,013 1.22 4,811 4,573,378 82.07 4,757,841 83.12 184,462 80,419 1.44 77,

  27. Slide 27: % 119,611,343 61.35 122,162,370 62.92 2,551,027 12,710,600 6.51 12,726,846 6.55 16,246 106,132,120 54.44 108,639,901

    % 2023 3 2023 9 119,611,343 61.35 122,162,370 62.92 2,551,027 12,710,600 6.51 12,726,846 6.55 16,246 106,132,120 54.44 108,639,901 55.95 2,507,780 768,622 0.39 795,622 0.40 26,999 75,217,326 38.58 71,875,474 37.02 3,341,852 3,307,143 1.69 3,129,547 1.61 177,596 71,910,183 36.88 68,745,927 35.40 3,16

  28. Slide 28: 377,403 555,776 178,372 42,377 43,166 5,354 4,345 1,009 277,262 454,560 177,297 16,738 16,109 628

    2023 3 2023 9 377,403 555,776 178,372 0 0 42,377 43,166 788 5,354 4,345 1,009 277,262 454,560 177,297 16,738 16,109 628 5,918 6,948 1,030 3,614 2,418 1,195 26,137 28,228 2,090 351,158 292,706 58,451 343,998 287,893 56,104 7,160 4,813 2,347 26,245 263,069 236,824

  29. Slide 29: % 5,731,893 5,948,155 216,261 5,731,893 5,948,155 216,261 0.00 0.00 0.00 1,033 1,010 22 273

    % 2023 3 2023 9 0 0 0 0 0 0 5,731,893 5,948,155 216,261 5,731,893 5,948,155 216,261 0.00 0.00 0.00 2023 3 2023 9 1,033 1,010 22 273 276 2 759 734 25

  30. Slide 30: Capital ratio details

    % 2023 3 2023 9 9,272,542 9,397,437 124,894 55,580 59,466 3,885 9,216,961 9,337,970 121,008 59,383,662 61,033,437 1,649,775 56,934,898 58,751,668 1,816,770 8 2,448,764 2,281,768 166,995 8 15.52 15.29 0.22 % 2023 3 2023 9 9,280,410 9,405,559 125,148 56,003 59,953 3,950 9,224,407 9,345,605 121,198 59,

  31. Slide 31: SPE, RMBS, CLO holdings

    SPE 2023 3 2023 9 RMBS 1,274,002 11,695 1,251,916 34,117 350,366 10,365 366,969 18,422 923,635 1,330 884,947 15,695 CLO 288,156 111 260,139 397 CMBS CDO 561 11 532 9 1,562,720 11,795 1,512,588 34,505 RMBS 27,906 3,161 24,093 4,658 CLO 2,326,005 293,625 2,568,627 652,194 1,408,606 106,062 1,660,045 3

  32. Slide 32: BP ps5 48ht7 I

    BP ps5 48ht7 I

Japan Post Bank — H1 FY2023 Earnings Presentation on 6ix