Japan Post Bank Co., Ltd. · TSE:7182
Japan Post Bank — Q3 FY2023 Earnings Presentation
21 slides from Japan Post Bank's earnings presentation, Feb 14, 2024
Slide 1: BP p55 c8hiT
2024 3 2024 2 14 BP p55 c8hiT
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.18 P.10 JP 10 ATM JP
Slide 3: BP ps5 48ht7 [
BP ps5 48ht7 [
Slide 4: 13 ROE 14 OHR
2,633 158 78.6% 2022 2023 3 3 1 8,732 5,609 3,123 711 2 6,134 5,422 711 38 3 1,142 1,180 38 2,450 4 1,456 993 2,450 5 2,327 810 3,137 40 6 872 137 735 7 6,963 7,004 40 3,391 8 0 0 0 9 1,768 1,395 3,164 227 4,700 78.0% 10 1,674 5,065 3,391 11 3,443 3,670 227 3,350 78.6% 12 2,474 2,633 158
Slide 5: 2023 5,418 0.31% 1.2% 12,000 2022 2023 11,475 6,019 5,418 600 9,768
2023 3 600 5,418 0.31% 1.2% 12,000 2022 2023 11,475 3 3 6,019 5,418 600 9,768 9,062 10,399 1,337 1.0% 9,618 10,000 1,864 1,398 466 1 -3 9,120 6,608 8,311 1,702 0.8% 7,851 8,000 1 1,505 863 642 7,526 3,043 4,981 1,938 7,032 0.6% 6,000 0.52% 6,019 2 0.47% 0.45% 5,418 4,000 3,294 1 3,000 0.4% 0.34%
Slide 6: ATM and NISA KPIs
2023 3 37 1,170 2022 2023 ATM 3 3 1,600 1,132 1,170 37 1,463 711 697 13 1,400 104 ATM 250 283 33 1,279 1,274 118 97 72 1 90 89 1 1,200 1,170 1,132 146 136 100 80 100 20 328 80 1,000 90 89 201 227 2022 2023 250 283 3 3 800 4,141 5,479 1,338 1,792 2,087 295 600 1,282 1,393 110 911 400 834 837 23,643
Slide 7: 2023 6,974 12,000 -12 -3 2022 2023 9,790 10,000 839 830 9 9,221
2023 3 39 6,974 12,000 4 -12 1 -3 2022 2023 3 3 9,790 10,000 839 830 9 9,221 685 673 11 8,000 5,826 5,885 58 7,456 6,934 6,974 6,000 2,596 2,423 172 1,730 1,827 96 4,000 206 209 3 2,000 268 259 9 6,934 6,974 39 0 2021 2022 2023
Slide 8: 0.4 229.1 8.6 141.4 0.0 194.9 229.1 2023 193.4 194.9 195.2
0.4 229.1 8.6 141.4 0.0 194.9 229.1 2023 12 200 193.4 194.9 195.2 194.9 141.4 150 112.2 119.6 118.4 124.7 41.6 194.9 83.3 100 50 87.6 24.6 81.0 75.2 76.7 70.0 6.3 6.0 9.5 0 2022 3 2023 3 2022 12 2023 12
Slide 9: 2023 41.6 83.3 2023 2023 % % 229.6 226.3 226.2 220.5 1,327,694 58.6
2023 12 41.6 83.3 250 2023 3 2023 12 % % 229.6 226.3 226.2 220.5 1,327,694 58.6 1,414,379 62.5 86,685 13.2 13.1 13.3 207.5 11.5 381,147 16.8 416,307 18.3 35,160 200 11.3 1 162,974 7.1 164,601 7.2 1,627 66.6 59.0 60.6 68.2 51.4 783,572 34.6 833,470 36.8 49,897 150 4.6 4.4 6.0 261,390 11.5 280,188 1
Slide 10: 2023 1,444 2023 2023 1,127,660 11,173 1,144,315 15,441 4,268 1,062,012 12,161 1,080,361 23,866
2023 12 696 1,444 2023 3 2023 12 1,127,660 11,173 1,144,315 15,441 4,268 1,062,012 12,161 1,080,361 23,866 11,704 230,721 4,238 235,999 7,952 3,714 223,652 14,761 220,209 25,442 10,681 521,102 1,840 552,003 6,689 4,849 86,536 201 72,148 313 111 13,060 17,052 3,991 65,647 12,072 63,954 8,627 3,444
Slide 11: Tier 1 capital ratio
2023 12 15.16% Tier1 13.16% % % 30 2023 3 2023 12 92,244 94,233 1,989 593,951 621,522 27,570 569,382 598,615 29,233 20 15.53 15.16 0.36 15.58 15.53 15.56 15.53 15.16 % 10 10% 2023 3 2023 12 2021 2025 14.28 13.16 1.11 4% 14.01 13.07 0.94 0 2020 3 2021 3 2022 3 2023 3 2023 12
Slide 12: KPI
120 12 11.6 KPI 110 KPI 104.4 1.0 10 99.4 10.1 100 94.9 11.6 10 91.1 10.1 0.8 6.4 84.8 4.2 2.3 2.6 1.6 2.9 2.8 2.6 3.3 2.6 2.6 4.2 80 2.2 8 2.2 3.5 6.4 60 6 0.6 75.3 68.2 69.8 71.3 63.4 4.2 2.6 40 4 0.4 3.3 1.5 6.3 0.4 5.6 1.0 1.0 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 5.6 0 0 2020
Slide 13: BP ps5 48ht7 [
BP ps5 48ht7 [
Slide 14: 2023 2023 2023 2023 68,217,495 58,980,174 9,237,321 194,951,503 194,906,667 44,836 2,460,000 2,130,000 330,000 18,316…
2023 3 2023 12 2023 3 2023 12 68,217,495 58,980,174 9,237,321 194,951,503 194,906,667 44,836 2,460,000 2,130,000 330,000 18,316,621 17,099,032 1,217,589 9,788,452 9,764,172 24,279 1,941,872 2,422,460 480,587 250,241 250,241 1,632,600 1,772,400 139,800 478,286 449,326 28,960 1,411 923 488 19 72 53 2,
Slide 15: 2022 2023 2022 2023 859,839 558,674 301,165 1,046 951 601,900 541,818 60,081 93 1,042
2022 2023 2022 2023 3 3 3 3 859,839 558,674 301,165 94 1,046 951 601,900 541,818 60,081 93 1,042 948 113,277 117,074 3,797 0 3 2 144,661 100,219 244,881 329,711 366,267 36,556 231,778 81,842 313,620 114,033 106,884 7,148 87,290 13,713 73,577 24,326 3,302 21,024 694,711 698,501 3,789 89,707 103,582 1
Slide 16: 2022 2023 338,316 178,618 159,698 368,054 199,882 168,171 186,493 139,872 46,620 29,737 21,264 8,473
2022 3 2023 3 338,316 178,618 159,698 368,054 199,882 168,171 186,493 139,872 46,620 29,737 21,264 8,473 2022 3 2023 3 263,583 363,199 99,616 666,658 839,429 172,771 660,877 831,176 170,299 403,075 476,229 73,154 2022 3 2023 3 601,900 541,818 60,081 906,262 1,039,995 133,732 304,362 498,177 193,814
Slide 17: % 2022 2023 0.54 0.62 0.07 0.62 0.75 0.12 0.19 0.31 0.12 0.08 0.12
% 2022 3 2023 3 0.54 0.62 0.07 0.62 0.75 0.12 0.19 0.31 0.12 0.08 0.12 0.04 0.35 0.31 0.04 % 2022 3 2023 3 220,245,159 906,262 0.54 221,093,337 1,039,995 0.62 0.07 5,119,177 7,399 0.19 5,697,552 7,207 0.16 0.02 141,361,082 874,473 0.82 140,208,324 1,000,468 0.94 0.12 62,575,533 20,824 0.04 63,977,65
Slide 18: % 2022 2023 83,968 12.10 83,019 11.90 68,509 9.87 ,355 9.65 1,154 15,459 2.22
% 2022 3 2023 3 83,968 12.10 83,019 11.90 949 68,509 9.87 67,355 9.65 1,154 15,459 2.22 15,664 2.24 204 582,676 84.02 588,531 84.38 5,854 259,623 37.43 242,372 34.75 17,251 173,033 24.95 182,721 26.19 9,688 20,636 2.97 20,944 3.00 308 8,126 1.17 7,888 1.13 237 49,369 7.11 51,721 7.41 2,352 26,288 3.
Slide 19: % 2023 2023 119,611,343 61.35 124,784,326 64.02 5,172,983 12,710,600 6.51 12,986,716 6.66 276,116 106,132,120
% 2023 3 2023 12 119,611,343 61.35 124,784,326 64.02 5,172,983 12,710,600 6.51 12,986,716 6.66 276,116 106,132,120 54.44 110,987,704 56.94 4,855,583 768,622 0.39 809,905 0.41 41,282 75,217,326 38.58 70,020,840 35.92 5,196,486 3,307,143 1.69 3,046,424 1.56 260,719 71,910,183 36.88 66,974,416 34.36 4,
Slide 20: SPE, RMBS, CLO
SPE 2023 3 2023 12 RMBS 1,274,002 11,695 1,212,950 30,434 350,366 10,365 360,928 17,493 923,635 1,330 852,021 12,941 CLO 288,156 111 254,405 149 CMBS CDO 561 11 498 8 1,562,720 11,795 1,467,854 30,575 RMBS 27,906 3,161 22,520 4,582 CLO 2,326,005 293,625 2,723,604 475,555 1,408,606 106,062 1,857,159
Slide 21: BP ps5 48ht7 I
BP ps5 48ht7 I