Japan Post Bank Co., Ltd. · TSE:7182

Japan Post Bank — Earnings Presentation (February 2021)

22 slides from Japan Post Bank's earnings presentation, Feb 12, 2021

1. Slide 1: BP ps5 eset

   BP ps5 eset 2021 3 2021 2 12

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

   P. 2 P.14 P. 3 P.15 P. 4 P.16 P. 5 P.16 P. 6 P.17 P. 7 P.18 P. 8 P.19 P. 9 P.10 P.11 P.12 JP 2 ATM JP Copyright © 2021 JAPAN POST BANK CO., LTD. All Rights Reserved.

3. Slide 3: BP ps6 s8R17

   BP ps6 s8R17

4. Slide 4: Copyright © 2021 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2,263 162  3,139 3,750 2,263 2,700 246 83.7 162 83.8 8.5 7.7 10,414 2,829 3,135 2,257 253 360 243 160 2.4 14.6 8.4 7.6 50.2 224.0 136.6 3.3 70.0 15.74 4.4 13.1 1.4 0.18 Copyright © 2021 JAPAN POST BANK CO., LTD. All Rights Reserved. 2

5. Slide 5: Copyright © 2021 JAPAN POST BANK CO., LTD. All Rights Reserved.

   2019 2020 3 3  3 253 1 10,161 10,414 253 414 7,526 7,032 493 493 983 977 5 5 1,651 2,404 752 1,589 2,261 672 752 70 143 73  107 7,584 7,692 7,584 107  360 2,829  243 3,135 2,469 2,829 360  2,257 160 422 305 117 % 323 431 108 2019 2020 3 3 2,892 3,135 243 1,2 2.44 2.92 0.48 2,097 2,257 160 3 75.

6. Slide 6: Copyright © 2021 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2020 3 7,032 0.44%  493 1.4% 14,000 2019 2020 3 3 12,235 1.2% 11,756 12,000 4,496 3,685 811 5,097 4,177 920 1 -3 10,161 1.0% 9,768 10,000 3,319 2,826 493 9,614 600 491 108 9,128 0.8% 8,000 7,959 2019 2020 7,526 0.60% 7,032 3 3 0.57% 0.6% 6,000 3,029 3,347 317 0.49% 0.47% 0.44% 6,002 5,341 661 0.4

7. Slide 7: Copyright © 2021 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2020 3 5 977 2019 2020 3 3 983 977 5 1,400 1,288 609 635 26 85 1,200 138 152 14 1,067 217 169 111 57 1,000 87 983 977 964 66 76 10 66 76 90 222 190 169 111 800 190 145 152 2019 2020 138 92 3 3 600 2,258 2,653 395 5,626 2,120 3,505 400 794 591 612 609 635 2019 12 2020 12 200 1,179 1,216 37 0 25,925

8. Slide 8: Copyright © 2021 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2020 3 108 7,569 4 -12 1 -3 12,000 2019 2020 3 3 10,353 10,183 902 875 27 10,000 741 718 22 8,000 6,374 6,277 97 7,806 7,677 7,569 6,000 2,818 2,792 25 1,783 1,780 2 4,000 446 430 15 2,000 400 416 16 7,677 7,569 108 0 2018 2019 2020 Copyright © 2021 JAPAN POST BANK CO., LTD. All Rights Reserved. 6

9. Slide 9: Copyright © 2021 JAPAN POST BANK CO., LTD. All Rights Reserved.

   2020 3 2020 12  13 1,844 224 895 2,109,051 2,240,895 131,844  1 4,904 136 6,889  2,890 4 6,727 516,639 620,564 103,925  6 7,482 189 7,530 10,400 9,300 1,100  2 3,827 97,318 96,721 597 2 3,117 45,497 58,745 13,248 1,351,984 1,366,889 14,904 150 49,617 46,727 2,890 139.2 137.1 135.1 136.8 136.6 2

10. Slide 10: Copyright © 2021 JAPAN POST BANK CO., LTD. All Rights Reserved.

     2020 12 189.7 189.7 2020 3 2020 12 190 183.9 87.5 99.5 11.9 183.0 180.9 179.8 7.7 8.8 1.1 180 79.3 90.1 10.7 0.5 0.5 0.0 170 95.2 90.0 5.2 5.2 4.8 0.4 160 90.0 85.2 4.8 0.1 0.1 0.0 183.0 189.7 6.7 150 0 2018 3 2019 3 2020 3 2019 12 2020 12 Copyright © 2021 JAPAN POST BANK CO., LTD. All Rights Rese

11. Slide 11: Copyright © 2021 JAPAN POST BANK CO., LTD. All Rights Reserved.

     2020 12 50.2 70.0 2020 3 2020 12 % % 1,351,984 65.1 1,366,889 61.9 14,904 11.6 5.2 536,361 25.8 502,856 22.7 33,504 1 159,048 7.6 163,141 7.3 4,093 50.2 656,575 31.6 700,890 31.7 44,315 22.7 61.9 237,068 11.4 224,104 10.1 12,963 28.0 2 419,010 20.1 476,112 21.5 57,102 220.7 4.6 45,497 2.1 58,745 2

12. Slide 12: Copyright © 2021 JAPAN POST BANK CO., LTD. All Rights Reserved.

     2020 12 3 3,329 3 4,350 2020 3 2020 12 241,707 4,908 247,824 3,220 1,688 2020 3 2020 12 1,159,361 3,706 1,180,820 36,961 33,254 1,113,864 7,515 1,122,074 18,963 26,479 325,979 7,942 297,610 6,490 1,451 237,068 4,294 224,104 3,416 877 419,010 20,404 476,112 8,438 28,842 131,806 651 124,246 617 34 3

13. Slide 13: Copyright © 2021 JAPAN POST BANK CO., LTD. All Rights Reserved.

     2020 12 15.74% % % 2020 3 2020 12 40 89,325 91,583 2,258 574,072 581,806 7,733 30 547,750 556,113 8,362 15.55 15.74 0.18 22.22 20 % 17.42 15.78 15.55 15.74 2020 3 2020 12 89,420 91,737 2,316 10 573,908 581,738 7,830 547,588 556,048 8,459 15.58 15.76 0.18 0 2017 3 2018 3 2019 3 2020 3 2020 12 Copyr

14. Slide 14: Copyright © 2021 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2020 3 2020 12 1,139,569 1,227,657 88,088 571,866 687,325 115,458 567,703 540,332 27,370 848,705 895,927 47,222 59,863 54,791 5,071 75,944 74,256 1,687 634,023 673,761 39,737 22,917 25,057 2,140 22,860 28,637 5,777 33,096 39,422 6,325 1 9 2 Copyright © 2021 JAPAN POST BANK CO., LTD. All Rights Reser

15. Slide 15: BP ps6 s8R17

    BP ps6 s8R17

16. Slide 16: Copyright © 2021 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2020 3 2020 12 2020 3 2020 12 51,663,901 62,056,442 10,392,541 183,004,733 189,753,018 6,748,285 1,040,000 930,000 110,000 14,855,624 15,268,122 412,497 9,731,897 9,672,153 59,744 2,219,384 1,507,152 712,232 112,491 810,220 697,728 132,438 132,438 315,812 271,461 44,351 10,100 3,672,300 3,662,200 31

17. Slide 17: Copyright © 2021 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2019 2020 2019 2020 3 3 3 3 1,016,133 1,041,456 25,323 184 390 206 752,685 703,291 49,393 184 390 206 98,315 97,758 556 0 0 165,132 240,406 75,273 289,034 313,130 24,095 158,930 226,198 67,267 79,743 97,923 18,179 7,025 14,386 7,360 486 10,590 10,103 769,212 758,476 10,736 79,256 87,333 8,076 91,688

18. Slide 18: Copyright © 2021 JAPAN POST BANK CO., LTD. All Rights Reserved.

    % 2019 2020 3 3 0.13 0.13 0.00 2.44 2.92 0.48 75.70 72.82 2.87 1 2 100 2 2 100 3 100 4 % 2019 2020 3 3 0.65 0.55 0.10 0.69 0.61 0.08 0.17 0.11 0.05 0.03 0.05 0.01 0.48 0.44 0.04 Copyright © 2021 JAPAN POST BANK CO., LTD. All Rights Reserved. 16

19. Slide 19: Copyright © 2021 JAPAN POST BANK CO., LTD. All Rights Reserved.

    % 2019 3 2020 3 203,146,945 1,009,790 0.65 209,562,986 880,665 0.55 0.10 4,993,350 8,393 0.22 6,344,568 7,631 0.15 0.06 134,832,884 981,124 0.96 137,456,056 852,397 0.82 0.14 53,032,021 21,830 0.05 55,431,058 22,882 0.05 0.00 195,732,113 257,105 0.17 202,938,278 177,373 0.11 0.05 182,777,410 42,208

20. Slide 20: Copyright © 2021 JAPAN POST BANK CO., LTD. All Rights Reserved.

    % 2019 3 2020 3 90,232 11.75 87,504 11.56 2,728 74,114 9.65 71,892 9.49 2,222 16,118 2.09 15,611 2.06 506 637,479 83.03 627,766 82.93 9,713 281,825 36.70 279,225 36.88 2,599 178,376 23.23 178,079 23.52 297 44,615 5.81 43,077 5.69 1,537 9,008 1.17 8,680 1.14 328 47,130 6.13 49,393 6.52 2,263 27,067 3

21. Slide 21: AAA AAA AAA

    2020 3 2020 12 1,359,705 28,113 AAA 1,358,169 24,740 AAA 173,975 205 AAA 138,822 12 AAA 1,018 37 AAA 922 32 AAA 1,534,699 27,945 1,497,914 24,784 38,546 9,390 AAA 59,620 297 AAA 1,767,354 121,935 AAA 2,121,369 111,154 AAA 1,805,900 131,326 2,180,989 111,452 3,340,600 103,380 3,678,904 86,667 1 2 3 4

22. Slide 22: Copyright © 2021 JAPAN POST BANK CO., LTD. All Rights Reserved.

    Copyright © 2021 JAPAN POST BANK CO., LTD. All Rights Reserved.

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