Japan Post Bank Co., Ltd. · TSE:7182

Japan Post Bank — FY2017 Earnings Presentation

66 slides from Japan Post Bank's earnings presentation, May 21, 2018

  1. Slide 1: 2018年3月期 決算説明会

    BP p56 428 BANK 2018 3 2018 5 21

  2. Slide 2: 目次

    1. 2018 3 P.2 3. 2018 2020 P.37 1 2 3 4 5 2019 3 6-1 2. 2018 3 P.10 6-2 6-3 PE 7 8 9 10 11 2020 12 JP Appendix P.55 Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 1

  3. Slide 3: 2018年3月期 決算のポイント

    1 2018 3 • 12.9% 100.7% • p.9 Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 2

  4. Slide 4: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    ☛ ☛ ☛ ☛ ☛ ☛ ☛ Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 3

  5. Slide 5: BP SP A

    2018/3 2018/3 B A A B BP 8 4,692 3,543 1,148 SP 7,669 8,275 606 8 1,000 964 35 8,534 8,389 145 2017 10 10 21 602 580 10 BP SP 4,849 4,996 147 3,348 3,527 179 Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 4

  6. Slide 6: Liability-driven portfolio Excess-return portfolio

    123 7 78 8 Liability-driven portfolio Excess-return portfolio 2018/3 2017/3 2015/3 2018/3 2017/3 2015/3 9 55 0 55 35 6 0 6 5 10 8 0 8 6 31 7 38 66 10,12 58 6 52 33 ( ) (38) ( 5) (32) (14) 35 0 35 47 1 0 1 2 0 0 0 1 ( )11,12 3 0 3 2 1 0 1 1 1 1 1 2018/3 2015/3 2007/10/1 15 15 3.1% 2.9% 1.3% 1.8% 5.1%

  7. Slide 7: BP SP

    90% ®2018 3 20% 220 55 100% 206.7 92.0% 91.6% 50.3 BP 200 50 85.9% 90% 180.9 180 170.0 45 74.8% 80% 158.8 159.1 159.6 156.4 38.7 160 149.5 40 68.3% 66.0% 70% 136.3 35 140 129.0 32.2 56.8% 60% 122.5 120 30 SP 50% 100 25 38.4% 78.0 40% 80 20 70.4 16.5 26.3% 61.5 30% 60 48.0 15 12.9 13.8 22.2% 11.5 21.

  8. Slide 8: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    % 3.5 130 3.0 125 10 2.5 120 2.0 115 1.5 110 1.0 105 FF 0.5 100 10 0.0 95 0.5 90 15/3 15/6 15/9 15/12 16/3 16/6 16/9 16/12 17/3 17/6 17/9 17/12 18/3 15/3 15/6 15/9 15/12 16/3 16/6 16/9 16/12 17/3 17/6 17/9 17/12 18/3 46,815 46,638 40,711 40,016 41,864 42,579 42,519 44,526 43,981 43,237 44,241 44,331

  9. Slide 9: 2019年3月期 業績予想

    2019 3 2019 3 3,700 2,600 2019 3 2019 3 2019 3 2019/3 2018/3  3,700 4,996 2,600 3,527  18 14,000  13,800 13,200 SP SP 19 6,800  [70 ]20 8,200 [78 ]20 Fintech BP BP 7,100 [129 ]20 5,500 [122 ]20 17/3 2016 18/3 2017 19/3 2018  2017 12  113 Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Re

  10. Slide 10: 注記

    1. 2. 3. 4. 5. 2015 3 6. 2018 3 7. SP 8. p.24 1 BP SP BP 2 BP SP 3 BP 9. 10. 11. 12. 13. 2010 11 14. 15. 16. 17. 2017 3 2018 3 p.20 18. 2019 3 19. SP BP 20. Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 9

  11. Slide 11: 2. 2018年3月期 決算の概要

    2. 2018 3 Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 10

  12. Slide 12: 損益の概要

    2018 3 BP 2017/3 ® 2018/3 18/3 4,996 17/3 BP 525 4,420 SP 150 100 1,650 1,450 p.24 BP SP BP BP SP BP Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 11

  13. Slide 13: 損益計算書

    2018/3 2017/3 2018/3 2017/3 14,623 14,102 521 2,106,306 2,095,688 10,617 11,756 12,235 478 492,883 512,819 19,936 964 866 98 4,800 4,700 100 1,902 1,000 901 82,241 87,189 4,947 1,949 993 955 64 24 40 42,415 38,179 4,236 10,450 10,561 111 1,392,012 1,387,924 4,088 0 0 0 61,455 40,641 20,814 4,173 3,5

  14. Slide 14: OHR ROE (%pt)

    2018/3 (%pt) 2017/3 2018/3 17.42 4.79 22.22 17.43 8 7,720 8 6,169 8 7,788 50 3,435 38 7,798 50 3,422 11.37 0.21 11.16 4.16 9,980 9,618 8 7,788 1,623 2,380 210 6,298 7,219 6,544 8 7,720 8 6,169 ROE 3.02 0.34 2.68 3,527 3,122 2 11 6,465 11 6,440 OHR 71.46 3.42 74.89 1 450 1 561 1 4,623 1 4,102 0.74 0.

  15. Slide 15: 貸借対照表

    2018/3 2017/3 2018/3 2017/3 49,288,314 51,281,921 1,993,607 179,882,759 179,434,686 448,073 480,000 470,000 10,000 45,436 45,436 8,224,153 8,718,905 494,752 1,985,285 960,937 1,024,348 278,566 252,214 26,351 13,812,123 13,694,294 117,829 32 9 22 191,481 40,324 151,156 4,241,524 3,817,908 423,616 2,4

  16. Slide 16: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2018/3 2017/3 2018/3 2017/3 1,462,367 1,410,256 52,110 731 1,488 757 1,175,691 1,223,546 47,854 713 529 183 96,448 86,619 9,828 17 958 941 190,227 100,091 90,136 498,937 440,596 58,341 194,930 99,395 95,534 174,218 133,287 40,931 6,473 2,454 4,019 28,025 4,954 23,070 1,045,046 1,056,168 11,122 146,1

  17. Slide 17: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2018 3 1 1,756 0.57% 1.8% 18,000 2018/3 2017/3 1.6% 16,000 6,657 8,040 1,382 15,407 14,702 8,520 10,465 1,945 1.4% 13,610 14,000 6,118 7,933 1,814 12,235 1.2% 11,756 12,000 1,862 2,425 562 1.0% 10,000 2018/3 2017/3 0.76% 0.8% 0.73% 8,000 5,099 4,195 904 0.66% 0.60% 0.57% 7,321 5,966 1,354 0.6% 6,000

  18. Slide 18: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    % 2018/3 2017/3 195,014,321 852,033 0.43 193,991,919 1,046,541 0.53 0.10 4,765,201 14,008 0.29 3,081,133 17,741 0.57 0.28 82,402,056 730,011 0.88 92,901,349 926,690 0.99 0.11 8,414,660 1,417 0.01 8,318,619 1,471 0.01 0.00 51,583,059 25,115 0.04 47,723,014 24,916 0.05 0.00 186,524,351 186,280 0.09 18

  19. Slide 19: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    % 2018/3 2017/3 201,467,351 1,502,747 0.74 200,321,045 1,567,512 0.78 0.03 4,767,735 14,019 0.29 3,083,285 17,748 0.57 0.28 136,469,126 1,460,377 1.07 141,000,661 1,522,075 1.07 0.00 8,414,660 1,417 0.01 8,318,619 1,471 0.01 0.00 51,651,521 26,135 0.05 47,804,568 25,885 0.05 0.00 191,901,004 327,056

  20. Slide 20: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2018 3 62.7 59.2 2018/3 2017/3 % % 1,392,012 67.0 1,387,924 66.9 4,088 8.8 4.2% 627,497 30.2 688,049 33.2 60,552 1 171,526 8.2 170,704 8.2 822 592,988 28.5 529,170 25.5 63,818 202,443 9.7 201,434 9.7 1,008 49.3 62.7 23.7% 30.2% 390,426 18.7 327,267 15.7 63,159 6.1 2.9% 42,415 2.0 38,179 1.8 4,236 20

  21. Slide 21: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2018 3 3 7,744 2018/3 2017/3 314,589 10,035 383,169 14,565 2018/3 2017/3 1,122,457 37,699 1,046,092 45,661 1,080,835 19,120 1,007,913 32,821 336,457 11,299 334,875 13,207 202,119 3,753 200,785 13,351 390,426 2,658 327,267 4,350 151,831 1,408 144,985 1,911 5,687 1,853 41,622 12,892 38,179 10,986 22,8

  22. Slide 22: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2018/3 2017/3 29,103,961 958,146 35,317,430 1,373,826 6,213,469 415,679 44,618 115 44,618 115 2,322,529 37,283 2,889,963 70,626 567,433 33,342 32,433 8,144 64,911 11,981 32,478 3,836 32,433 8,144 64,911 11,981 32,478 3,836 31,458,923 1,003,574 38,316,923 1,456,549 6,857,999 452,974 2018/3 2017/3 28,

  23. Slide 23: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2018/3 2017/3 4,162,251 1,289,201 3,817,908 1,098,661 344,342 190,540 2,286,148 1,262,041 2,079,290 1,058,661 206,858 203,380 1,256,039 27,061 1,274,178 40,000 18,139 12,938 2 2018 3 1,088 2017 3 3,734 2018/3 2017/3 6,341,492 110,021 4,498,510 195,410 1,842,981 85,389 4,925,816 117,531 2,971,988 37,

  24. Slide 24: BBB A BB B

    9 A 95% BBB BB B BBB 1.58% 4.20% 7.95% 0.39% BB B 0.11% A 0.50% 0.49% 11.51% 0.09% 1.21% 0.05% 1.36% 0.71% 0.05% 8.79% 16.83% 1.20% 14.38% 13.20% A 68.75% 73.11% 87.84% 2018 3 199 1 1 2 3 Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 23

  25. Slide 25: BP SP BP BP

    2012/3 2013/3 2014/3 2015/3 2016/3 2017/3 2018/3 BP SP 184.2 5,734 187.4 5,921 190.5 5,731 194.2 5,599 196.5 4,804 197.5 4,330 198.9 4,384 157.4 4,387 158.0 3,421 156.7 2,897 151.7 947 141.7 356 131.5 2,433 124.6 3,800 BP BP - 576 - 602 - 1,203 - 2,224 - 2,504 - 3,996 - 5,718 BP - 4,964 - 4,023 - 4,

  26. Slide 26: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2018 3 179.8 2018/3 2017/3 179.4 179.8 180 177.7 177.8 73.7 67.9 5.7 176.6 14.4 13.0 1.3 58.9 54.5 4.3 170 0.3 0.3 0.0 105.9 111.2 5.2 8.6 10.0 1.3 160 97.2 101.2 3.9 0.1 0.1 0.0 179.8 179.4 0.4 1500 14/3 2013 2014 15/3 16/3 2015 2016 17/3 18/3 2017 Copyright © 2018 JAPAN POST BANK CO., LTD. All Rig

  27. Slide 27: ATM

    2018/3 2017/3 964 866 98 591 591 0  2017 1 ATM 97 93 3  19 ATM ATM 92 72 19 2018 8 27 19 16 18 1 190 105 84  66 69 3 1,416 2018 3 31 18,298 2018 3 31 44 42 1  iDeCo 9 15 5 2018 4 2019 3 12 11 0 7 8 1 Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 26

  28. Slide 28: iDeCo iDeCo NISA

    8,000 7,378 1,934 2017 4 1 1,300 6,000 5,443 2018 4 1 1,600 4,270 4,000 2,000 0 2015 16/3 2016 17/3 2017 18/3 iDeCo 18,000 2018 5 7 4 7 16,423 2018 1 NISA 16,000 8 NISA 2018 1 3 14,000 13,101 iDeCo A 2017 7 1 12,000 11,355 2017 10 3 1 2 3 0 10,000 2018 5 14 iDeCo 2015 16/3 2016 17/3 2017 18/3 Copyri

  29. Slide 29: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2018/3 2017/3 1,544 1,251 293 737,878 544,399 193,478 2018/3 2017/3 874 749 124 1,642,301 1,310,151 332,149 2018/3 2017/3 10,053 17,731 7,678 48,790 90,712 41,922 2018/3 2017/3 110,560 100,507 10,053 577,225 528,434 48,790 Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 28

  30. Slide 30: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2018/3 2017/3 60 61 1 2018/3 2017/3 1,082 1,093 10 2018/3 2017/3 35,673 39,908 4,234 2018/3 2017/3 418,932 383,259 35,673 Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 29

  31. Slide 31: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2018 3 111 1 428 12,000 2018/3 2017/3 11,136 1,264 1,232 32 10,950 11,000 1,033 1,011 22 10,640 10,540 10,428 8,389 8,543 154 10,000 5,981 6,124 143 56 83 26 605 661 56 9,000 774 764 9 10,428 10,540 111 0 8,000 2013 14/3 2014 15/3 2015 16/3 2016 17/3 2017 18/3 Copyright © 2018 JAPAN POST BANK CO., L

  32. Slide 32: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    % 2018/3 2017/3 126,471 12.12 123,212 11.68 3,259 103,370 9.91 101,128 9.59 2,242 23,101 2.21 22,084 2.09 1,016 838,925 80.44 854,369 81.05 15,444 598,116 57.35 612,465 58.10 14,349 5,679 0.54 8,371 0.79 2,691 60,538 5.80 66,166 6.27 5,627 12,670 1.21 12,388 1.17 282 55,621 5.33 50,702 4.81 4,918 37

  33. Slide 33: ALM Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2019 3 2021 3 2019 250 9,000 420 8,619 8,246 7,881 380 8,000 7,695 340 15/4/1®18/4/1 346 7,000 300 682 287 300 6,000 924 260 241 105 5,000 5,245 220 4,946 517 4,728 4,731 4,000 180 15/4/1 16/4/1 17/4/1 18/4/1 18,878 18,618 18,382 18,196 1 2018 3 31 2 ALM 3 Copyright © 2018 JAPAN POST BANK CO., LTD.

  34. Slide 34: 自己資本比率

    2018 3 17.42% % % 70 2018/3 2017/3 60 87,720 86,169 1,551 56.81 503,435 387,798 115,637 50 475,747 359,065 116,681 40 17.42 22.22 4.79 38.42 30 % 26.38 22.22 2018/3 17.42 20 87,788 503,422 10 475,734 0 14/3 2013 15/3 2014 16/3 2015 17/3 2016 18/3 2017 17.43 Copyright © 2018 JAPAN POST BANK CO., LTD.

  35. Slide 35: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    % 2018/3 2017/3 8,801,141 8,636,164 164,976 29,070 19,224 9,845 8,772,071 8,616,940 155,130 50,343,515 38,779,806 11,563,708 47,574,709 35,906,558 11,668,151 8 2,768,805 2,873,248 104,442 8 17.42 22.22 4.79 % 2018/3 2017/3 9,980 9,618 361 1,623 2,380 757 7,219 6,544 675 87,720 86,169 1,551 11.37 11.

  36. Slide 36: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    % 2018/3 8,807,898 29,075 8,778,822 50,342,277 47,573,471 8 8 2,768,805 17.43 % 2018/3 9,980 1,623 7,219 87,720 11.37 1 1 5 1% 99% 2 Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 35

  37. Slide 37: MUFG Bank SMBC

    2019 3 2018 3 1 50 25 2019 3 1 50 25 2021 3 1 60 1 50 50 50 1 50 40 25 25 30 20 1 2018 3 2 2018 3 25% 6% 25 25 5.01% 5.01% 10 20% 17.43% 4.16% 4.28% 15.29% 4% 15% 11.85% 12.34% 0 10% 18/3 2017 19/3 2018 2% 5% 0% 0% MUFG SMBC MUFG SMFG FG 2018/3 2019/3 Bank 1,874 1,874 1 MUFG/SMFG/ FG 53.1% 72.0% 2 M

  38. Slide 38: 3. 2018〜2020年度 中期経営計画

    3. 2018 2020 Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 37

  39. Slide 39: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 38

  40. Slide 40: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

      Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 39

  41. Slide 41: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 40

  42. Slide 42: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 41

  43. Slide 43: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 42

  44. Slide 44: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

       Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 43

  45. Slide 45: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 44

  46. Slide 46: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 45

  47. Slide 47: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 46

  48. Slide 48: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 47

  49. Slide 49: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    フロントライン Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 48

  50. Slide 50: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 49

  51. Slide 51: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 50

  52. Slide 52: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 51

  53. Slide 53: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 52

  54. Slide 54: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 53

  55. Slide 55: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 54

  56. Slide 56: Appendix

    Appendix Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 55

  57. Slide 57: Visa mijica

      Visa mijica Web mijica 2018 1 ATM Web 2018 2 2018 4  ATM  ATM 2017 1 ATM 16 4 2017 9 6 2018 1 29 Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 56

  58. Slide 58: LP ➒ MBC Shisaku1

    2016 7 LP 2018 3 30 12 2018 3 30 ➊ 2016/ 7 117 ➌ ➋ 2016/11 25 ➌ 2016/11 2 ➓ ➍ 2017/ 4 250 ➎ 2017/ 6 6 ➏ ➏ 2017/ 8 5 ➐ 2017/10 123 ⓫ ➍ ➑ ➒➎ ➑ 2017/11 1 20 ➐ ➒ MBC Shisaku1 2017/12 2 20 ⓬ ➊ ➓ 2018/ 3 5 ➋ ⓫ 2018/ 3 1 5 ⓬ 2018/ 3 3 Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 57

  59. Slide 59: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2016 4 14,642 8,910 7,811 4,965 1,042 4,706 740 4,682 451 392 4,187 4,690 1,363 146 2,943 186 18 1,244 1,773 589 806 16/6 16/9 16/12 17/3 17/6 17/9 17/12 18/3 Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 58

  60. Slide 60: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2016 4 • • • 1/3 • Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 59

  61. Slide 61: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    13 8 7 2018 4 1  12  99  86 2017 4 2018 3 13 8 4 3 6 5 4 3 Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 60

  62. Slide 62: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2016 5 • • • • Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 61

  63. Slide 63: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

      2015 2016 2017    15 25 23 337 364 390  352 389 413  2021 4 1 14  15% 14.7% 14% 15% 13.8% 12.7% 12.9% 11.5% 12% 10.9% 12% 8.9% 9% 9% 6% 6% 3% 3% 0% 0% 15/4 16/4 17/4 18/4 21/4 15/7 16/7 17/7 / / Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 62

  64. Slide 64: CSR

    CSR 2017 63 109 5 (t-CO2) (kl/m2) 80,000 0.10 70,191 60,472 58,614 60,000 51,706 55,516 1 49,748 51,666 t-CO2 0.06903 0.06297 0.06001 2 40,000 0.05 kl/m2 0.05295 0.05129 0.05044 0.05150 20,000 1 0 0.00 2010 2011 2012 2013 2014 2015 2016 2 8.8 4.7 11.8 3.1 1.7 2.1 Visa mijica Copyright © 2018 JAPAN P

  65. Slide 65: 財務データ推移

    2012/3 2013/3 2014/3 2015/3 2016/3 2017/3 2018/3 16,700 16,243 15,687 16,347 14,520 14,102 14,623 1 16,773 15,321 14,702 15,407 13,610 12,235 11,756 884 881 926 892 911 866 964 2 11,745 11,115 10,960 11,147 10,661 10,561 10,450 0 0 4,954 5,128 4,726 5,199 3,858 3,540 4,173 807 807 924 494 961 879 82

  66. Slide 66: Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved.

    Copyright © 2018 JAPAN POST BANK CO., LTD. All Rights Reserved. 65

Japan Post Bank — FY2017 Earnings Presentation on 6ix