Japan Post Bank Co., Ltd. · TSE:7182
Japan Post Bank — FY2021 Earnings Presentation
35 slides from Japan Post Bank's earnings presentation, May 13, 2022
Slide 1: BP p55 c8hiT
2022 3 2022 5 13 BP p55 c8hiT
Slide 2: P. 2 P.17 P. 3
P. 2 P.17 P. 3 P.18 P. 4 P.19 P. 5 P.20 P. 6 P.22 P. 7 P.23 P. 8 P.25 P. 9 P.26 P.10 P.27 P.28 2022 P.29 P.12 P.30 P.13 P.30 P.14 P.31 P.15 P.32 JP 4 ATM JP
Slide 3: BP ps5 48ht7 [
BP ps5 48ht7 [
Slide 4: 14 OHR 13 ROE
3,550 749 26.7% 2020 2021 1 13,191 12,920 271 2 9,619 11,474 1,854 1,854 5 3 1,279 1,284 5 4 2,291 160 2,131 2,131 5 2,546 790 1,756 282 6 259 632 372 7 10,114 9,832 282 8 0 0 955 9 3,076 3,087 10 966 10 865 1,821 955 4,850 101.2% 11 3,942 4,908 966 3,500 101.4% 12 2,801 3,550 749 % 2021
Slide 5: 2021 1,856 1,475 0.52% 11,756 1.2% 11,475 12,000 2020 2021 10,161 9,768
2021 1,856 1 1,475 0.52% 11,756 1.2% 11,475 12,000 2020 2021 10,161 9,768 4,556 4,022 534 1.0% 9,618 10,000 5,183 4,467 715 3,646 3,041 604 626 444 181 0.8% 8,000 2020 2021 0.6% 0.57% 6,000 0.52% 5,061 7,452 2,390 0.49% 0.47% 0.45% 7,514 9,916 2,401 7,509 9,912 2,402 0.4% 4,000 2,452 2,463 11 0.
Slide 6: ATM ATM NISA
2021 5 1,274 2020 2021 ATM 1,279 1,274 5 834 837 2 1,400 1,288 1,279 1,274 ATM 201 227 26 85 97 72 1,200 146 136 9 1,067 146 136 97 72 24 217 1,000 964 87 201 227 90 222 190 2020 2021 800 190 3,661 4,485 823 145 92 2,629 2,004 624 600 1,215 1,228 12 400 794 834 837 25,658 25,955 297 591 612 200 20
Slide 7: 2021 9,790 2020 2021 1,172 1,151 11,000 10,428 10,353 8,342 8,190 152 10,183
2021 290 9,790 2020 2021 1,172 1,151 21 11,000 960 940 20 10,428 10,353 8,342 8,190 152 10,183 10,080 10,000 3,663 3,532 131 9,790 2,374 2,370 3 574 553 20 9,000 565 449 116 10,080 9,790 290 8,000 0 2021 2025 2017 2018 2019 2020 2021 2020 279 550
Slide 8: 9.0 232.9 1.3 139.5 3.8 193.4 232.9 2021 189.5 .4 180.9
9.0 232.9 1.3 139.5 3.8 193.4 232.9 2021 200 189.5 193.4 180.9 183.0 139.5 150 79.9 87.5 101.3 112.2 193.4 49.2 74.1 100 50 100.9 95.2 88.1 81.0 93.3 29.2 5.8 4.4 0 10.2 2018 2019 2020 2021
Slide 9: 2021 49.2 74.1 2020 2021 229.6 % % 220.5 13.2 1,381,832 62.6 1,395,491
2021 49.2 74.1 250 2020 2021 229.6 % % 220.5 13.2 1,381,832 62.6 1,395,491 60.7 13,658 205.9 207.5 11.5 11.3 504,934 22.8 492,597 21.4 12,337 200 8.8 1 66.6 165,225 7.4 161,543 7.0 3,681 60.6 50.6 51.4 711,672 32.2 741,350 32.2 29,677 150 4.6 4.4 235,051 10.6 245,096 10.6 10,045 5.2 4.9 5.8 3.9 4.
Slide 10: 2021 2,230 8,257 2021 3,488 2020 2021 1,189,405 35,868 1,227,204 20,021 15,847 1,133,929
2021 1 2,230 1 8,257 2021 1 3,488 2020 2021 1,189,405 35,868 1,227,204 20,021 15,847 1,133,929 24,072 1,168,921 16,730 7,341 299,170 5,427 342,855 857 4,570 235,051 10,313 227,011 14,842 4,528 475,911 7,762 495,344 823 6,938 123,795 568 103,709 207 361 1,735 8,529 6,794 55,475 13,531 58,282 11,819
Slide 11: Tier1
2021 15.56% Tier1 15.68% % 30 2020 2021 90,383 91,993 1,609 581,668 591,060 9,392 556,148 565,455 9,307 20 17.43 15.53 15.56 0.02 15.80 15.58 15.53 15.56 % 10 2020 2021 10% 2021 2025 17.73 15.68 2.04 4% 14.09 14.23 0.14 0 2017 2018 2019 2020 2021
Slide 12: KPI KPI
KPI 10 120 KPI 10 110 100 94.9 91.1 8 84.8 4.2 6.4 81.9 2.9 2.8 3.3 2.6 2.6 80 2.9 2.2 6.4 2.4 2.2 2.2 6 0.6 60 4.2 2.6 68.2 69.8 4 0.4 60.1 63.4 3.3 40 2.9 0.4 1.5 1.0 1.0 2 20 3.2 0.6 2.2 7.8 7.5 7.5 7.4 1.7 1.2 6.3 5.9 5.4 5.5 0 0 2018 2019 2020 2021 2025 2018 2019 2020 2021 2025 1 2 3
Slide 13: BP ps5 48ht7 [
2022 BP ps5 48ht7 [
Slide 14: 2022 4,450 3,200 2022 2021 2021 2022 2021 2021 2022 22
2022 4,450 3,200 2022 2021 2021 2022 2021 2021 2022 2022 3 2 1 13,550 13,275 12,350 3 2022 3 1,290 1,284 1,430 2022 3 10,050 9,814 9,350 2 2022 3 3 4,850 4,908 4,450 3,500 3,550 3,200 1
Slide 15: 2021 2021 2022 2021 2025 58.5% 2021 2025 2021 2022 2021
2021 1 2021 11 12 47 3 50 2022 1 2021 2025 50 58.5% 2021 2025 2021 2022 2021 2025 50 50 50% 50 60% 1 2021 1,874 1,874 52.7% 58.5%
Slide 16: IG HY
IG HY % bp 1.0 500 0.8 0.76 22/4 400 379 22/4 0.73 0.6 20 300 325 HY 0.4 200 0.23 22/4 135 22/4 0.2 10 100 0.22 116 IG 0.0 0 21/3 21/6 21/9 21/12 22/3 22/6 22/9 22/12 23/3 / 21/3 21/6 21/9 21/12 22/3 22/6 22/9 22/12 23/3 / % / 3.5 135 2.95 22/4 129 22/4 2.8 128 2.46 122 2.1 121 1.45 22/4 1.4 5 114 1
Slide 17: KPI
21 25 21 25 21 25 3,550 3,500 OHR 67.52% 66% 15.56% 10% ROE CET1 10% 3.80% 3.6% 279 550 14.23% 20 ESG 21 25 21 25 21 25 CO2 22 8 94.9 110 481 1,000 Web 46% 20 91.1 20 283 30 20 8.5% 6.4 10 NISA 17 16.6% 1,2 20% 20 4.2 40 21 4 15.7% 2 26 4 20 13 1 22 4 2 KPI ESG 2.1 4 100% 100% 20 1.2 21 25 20 99.5%
Slide 18: BP ps5 48ht7 [
BP ps5 48ht7 [
Slide 19: 2020 2021 2020 2021 60,768,034 66,664,253 5,896,219 189,593,469 193,441,929 3,848,459 1,390,000 2,470,000 1,080,000 1…
2020 2021 2020 2021 60,768,034 66,664,253 5,896,219 189,593,469 193,441,929 3,848,459 1,390,000 2,470,000 1,080,000 14,886,481 19,461,646 4,575,165 9,721,360 9,861,753 140,392 1,504,543 1,514,438 9,894 362,212 397,301 35,088 3,917,500 5,603,600 1,686,100 13 11 2 514 697 182 5,547,574 5,828,283 280,7
Slide 20: 2020 2021 2020 2021 1,319,027 1,290,865 28,162 1,564 5,682 ,246 961,884 1,147,500 185,616 557
2020 2021 2020 2021 1,319,027 1,290,865 28,162 1,564 5,682 7,246 961,884 1,147,500 185,616 557 5,698 6,256 127,943 127,400 543 1,006 15 990 229,200 15,964 213,235 392,760 497,141 104,380 254,666 78,954 175,712 124,123 104,295 19,828 25,980 63,245 37,265 11,200 37,901 49,101 1,010,175 980,906 29,269
Slide 21: % 2020 2021 0.56 0.63 0.06 0.61 0.57 0.03 0.11 0.10 0.01 0.04 0.05
% 2020 2021 0.56 0.63 0.06 0.61 0.57 0.03 0.11 0.10 0.01 0.04 0.05 0.09 0.45 0.52 0.07
Slide 22: % 2020 2021 204,928,217 518,305 0.25 211,342,025 446,743 0.21 0.04 5,888,523 10,060 0.17 4,620,369
% 2020 2021 204,928,217 518,305 0.25 211,342,025 446,743 0.21 0.04 5,888,523 10,060 0.17 4,620,369 10,120 0.21 0.04 70,330,066 410,942 0.58 69,451,545 341,824 0.49 0.09 56,799,558 29,230 0.05 60,361,005 29,872 0.04 0.00 197,783,193 62,606 0.03 204,529,496 44,486 0.02 0.00 188,043,501 38,323 0.02 192
Slide 23: % 2020 2021 210,430,410 1,198,278 0.56 217,361,148 1,369,747 0.63 0.06 5,912,287 10,186 0.17 4,646,492
% 2020 2021 210,430,410 1,198,278 0.56 217,361,148 1,369,747 0.63 0.06 5,912,287 10,186 0.17 4,646,492 10,257 0.22 0.04 137,268,164 1,161,897 0.84 140,122,168 1,333,053 0.95 0.10 56,799,558 29,230 0.05 60,361,005 29,872 0.04 0.00 203,692,867 236,393 0.11 209,936,168 222,246 0.10 0.01 188,043,501 38,
Slide 24: % 2020 2021 60,667,097 27.50 66,622,875 29.00 5,955,778 1,390,000 0.63 2,470,000 1.07 1,080,000 9,721,360
% 2020 2021 60,667,097 27.50 66,622,875 29.00 5,955,778 1,390,000 0.63 2,470,000 1.07 1,080,000 9,721,360 4.40 9,861,753 4.29 140,392 5,547,574 2.51 5,828,283 2.53 280,709 2,261,772 1.02 2,024,619 0.88 237,152 1,545,190 0.70 1,406,103 0.61 139,087 138,183,264 62.64 139,549,103 60.75 1,365,838 50,493
Slide 25: 2020 2021 20,576,382 230,680 14,974,212 31,393 5,602,170 ,073 1,891,261 1,605 2,746,510 11,848 855,249 13,453
2020 2021 20,576,382 230,680 14,974,212 31,393 5,602,170 262,073 1,891,261 1,605 2,746,510 11,848 855,249 13,453 2,710,435 5,892 3,540,039 12,623 829,604 18,515 1,808,495 80 1,808,495 80 1,808,495 80 1,808,495 80 25,178,079 238,178 23,069,257 55,784 2,108,821 293,962 2020 2021 10,505 17,283 6,777 41
Slide 26: 2020 2021 5,547,574 1,353,124 5,828,283 1,181,977 280,709 1,147 2,261,772 1,363,424 2,024,619 1,202,212 237,152 161,212
2020 2021 5,547,574 1,353,124 5,828,283 1,181,977 280,709 171,147 2,261,772 1,363,424 2,024,619 1,202,212 237,152 161,212 1,545,190 11,689 1,406,103 28,340 139,087 16,651 1 2 2021 1,955 2020 5,528 2020 2021 8,136,647 175,043 7,427,585 67,703 709,061 107,340 8,073,418 363,009 8,654,075 711,381 580,65
Slide 27: % 2020 2021 117,288 11.63 115,104 11.75 2,183 96,068 9.52 ,057 9.60 2,011 21,219
% 2020 2021 117,288 11.63 115,104 11.75 2,183 96,068 9.52 94,057 9.60 2,011 21,219 2.10 21,047 2.14 172 834,256 82.75 819,027 83.65 15,228 366,358 36.34 353,214 36.07 13,143 237,439 23.55 237,040 24.21 398 57,436 5.69 55,381 5.65 2,054 11,531 1.14 10,914 1.11 617 67,002 6.64 66,010 6.74 991 34,943 3
Slide 28: % 2020 2021 4,666,152 100.00 4,415,145 100.00 251,006 81,669 1.75 92,847 2.10 11,178 137,714
% 2020 2021 4,666,152 100.00 4,415,145 100.00 251,006 81,669 1.75 92,847 2.10 11,178 137,714 2.95 130,030 2.94 7,684 34,255 0.73 18,836 0.42 15,418 739,510 15.84 606,744 13.74 132,765 63,184 1.35 96,815 2.19 33,630 84,214 1.80 81,943 1.85 2,270 3,428,219 73.46 3,304,344 74.84 123,874 97,383 2.08 83,
Slide 29: % 2020 2021 101,309,018 53.43 112,254,409 58.03 10,945,390 ,150,117 4.82 10,749,849 5.55 1,599,731 91,546,309
% 2020 2021 101,309,018 53.43 112,254,409 58.03 10,945,390 9,150,117 4.82 10,749,849 5.55 1,599,731 91,546,309 48.28 100,805,356 52.11 9,259,046 612,591 0.32 699,203 0.36 86,612 88,145,649 46.49 81,022,589 41.88 7,123,060 4,709,291 2.48 4,352,435 2.24 356,855 83,436,358 44.00 76,670,153 39.63 6,766,
Slide 30: 2020 2021 133,541 134,747 1,206 1,277 1,175 6,920 5,505 1,415 141,740 140,355 1,384 2020
2020 2021 133,541 134,747 1,206 1,277 102 1,175 6,920 5,505 1,415 141,740 140,355 1,384 2020 2021 5,727 5,845 118 6,850 6,737 113 935 934 0 761 428 332 1,330 1,415 84 32 18 14 % 2020 2021 0.7 0.7
Slide 31: 2020 2021 281,471 339,219 57,747 43,407 42,983 5,024 2,759 2,264 167,565 240,093 72,527 22,610
2020 2021 281,471 339,219 57,747 0 0 0 43,407 42,983 423 5,024 2,759 2,264 167,565 240,093 72,527 22,610 18,011 4,598 7,761 7,011 750 3,123 3,073 49 31,978 25,285 6,692 1,104,605 643,204 461,400 1,098,194 613,725 484,469 6,411 29,479 23,068 823,134 303,985 519,148
Slide 32: % 2020 2021 4,774,980 4,658,094 116,886 4,774,980 4,658,094 116,886 0.00 0.00 2020 2021 935
% 2020 2021 0 0 0 0 4,774,980 4,658,094 116,886 4,774,980 4,658,094 116,886 0.00 0.00 2020 2021 935 1,054 119 280 289 9 655 764 109
Slide 33: % 2020 2021 9,057,656 9,225,082 167,425 33,294 37,024 3,729 9,024,361 9,188,057 163,696 58,157,118 59,089,525
% 2020 2021 9,057,656 9,225,082 167,425 33,294 37,024 3,729 9,024,361 9,188,057 163,696 58,157,118 59,089,525 932,406 55,604,917 56,529,128 924,210 8 2,552,200 2,560,397 8,196 8 15.51 15.54 0.03 % 2020 2021 9,071,821 9,236,562 164,741 33,498 37,256 3,757 9,038,322 9,199,306 160,984 58,166,845 59,106
Slide 34: SPE RMBS AAA
SPE 2020 2021 RMBS 1,354,370 19,045 AAA 1,317,081 4,358 282,293 1,561 AAA 331,835 4,374 1,072,076 20,606 AAA 985,245 8,733 CLO 225,448 33 AAA 236,597 156 CMBS CDO 870 28 AAA 735 19 1,580,689 19,106 1,554,414 4,220 RMBS 54,999 3,897 AAA 38,004 5,782 CLO 2,036,348 36,013 AAA 1,602,388 168,008 681,912
Slide 35: BP ps5 48ht7 I
BP ps5 48ht7 I