Japan Post Bank Co., Ltd. · TSE:7182

Japan Post Bank — Q1 FY2021 Earnings Presentation

21 slides from Japan Post Bank's earnings presentation, August 2020

  1. Slide 1: BP ps5 a8eiT

    BP ps5 a8eiT 2021 3 2020 8 7

  2. Slide 2: Contents

    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. 9 P.10 P.11 P.12 JP 2 ATM JP Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

  3. Slide 3: BP ps6 48817

    BP ps6 48817

  4. Slide 4: Financial results highlights

      1 420 2,750 332 2,000 636 15.2 446 16.6 60.2 57.3 3,057 528 419 330 587 485 638 447 16.1 47.8 60.3 57.4 53.5 219.3 138.4 0.0 68.8 15.43 3.1 8.4 3.2 0.12 Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved. 2

  5. Slide 5: Income statement summary

    2019 2020  1 1 3,644 3,057 587 587 3,057 2,566 1,933 632 331 318 13 632 746 805 58 13 58 734 798 63 18 6 12  101 2,528 2,630 2,528 101  485 528 0 0 1,013 528 485  638 419 43 109 152  330 447 26 76 102 % 2019 2020 1,057 419 638 1 1 777 330 447 1,2 2.73 1.35 1.38 3 72.17 82.71 10.53 1 2 100 2 3 1

  6. Slide 6: Net interest income and yields

     2020 1 1,933 0.37%  632 1.4% 14,000 2019 2020 1 1 12,235 1.2% 11,756 12,000 2,191 1,780 410 2,405 1,981 423 10,161 1.0% 9,768 10,000 1,170 962 208 7 -3 214 201 13 0.8% 8,000 2019 2020 0.60% 0.57% 1 1 0.6% 6,000 0.49% 0.47% 375 153 222 0.37% 1,912 1,372 540 0.4% 4,000 1,907 1,370 537 3,080 3,039 2

  7. Slide 7: Fees and expenses

     2020 1 13 318 2019 2020 1 1 331 318 13 1,400 1,288 199 209 9 85 44 48 3 1,200 1,067 217 63 34 29 87 1,000 964 23 26 2 90 222 190 800 190 2019 2020 145 1 1 92 600 689 835 145 2,462 480 1,981 400 794 331 318 591 612 23 26 2019 6 2020 6 63 34 44 48 200 1,129 1,189 60 199 209 24,201 23,746 455 0 2017

  8. Slide 8: Operating expenses

     2020 1 101 2,524 4 -6 7 -3 12,000 2019 2020 1 1 10,353 10,183 10,000 301 292 9 249 241 8 8,000 2,189 2,100 89 6,000 977 952 25 594 593 1 4,000 148 143 5 2,000 2,628 2,626 2,524 134 130 3 2,626 2,524 101 0 2018 2019 2020 Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved. 6

  9. Slide 9: Balance sheet summary

    2020 3 2020 6  8 4,754 219 3,806 2,109,051 2,193,806 84,754  3 2,077 138 4,062 516,639 540,985 24,346  2 3,733 7 3,351  4 4,752 187 4,800 10,400 10,600 200  1 6,814 97,318 97,118 200 1 6,104 45,497 48,084 2,587 1,351,984 1,384,062 32,077 150 49,617 73,351 23,733 139.2 137.1 135.1 135.6 138.4 2,

  10. Slide 10: Unrealized gains and losses

     2020 6 187.4 190 187.4 2020 3 2020 6 183.0 183.1 87.5 93.8 6.2 180.9 179.8 180 7.7 8.2 0.4 79.3 85.1 5.7 0.5 0.5 0.0 170 95.2 93.4 1.8 5.2 5.0 0.1 160 90.0 88.4 1.6 0.1 0.1 0.0 183.0 187.4 4.4 0 150 2018 3 2019 3 2020 3 2019 6 2020 6 Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

  11. Slide 11: Securities portfolio

     2020 6 53.5 68.8 2020 3 2020 6 % % 1,351,984 65.1 1,384,062 64.1 32,077 536,361 25.8 535,791 24.8 569 1 159,048 7.6 159,927 7.4 879 656,575 31.6 688,343 31.9 31,768 237,068 11.4 236,131 10.9 937 2 419,010 20.1 451,692 20.9 32,682 45,497 2.1 48,084 2.2 2,587 18,596 0.8 21,160 0.9 2,563 49,617 2.3 7

  12. Slide 12: Securities by type and duration

     2020 6 2 3,216 2 4,237 2020 3 2020 6 241,707 4,908 248,172 4,214 694 2020 3 2020 6 1,159,361 3,706 1,187,354 28,639 24,932 1,113,864 7,515 1,139,269 14,766 22,282 325,979 7,942 321,656 6,896 1,045 237,068 4,294 236,131 7,384 3,090 419,010 20,404 451,692 130 20,273 131,806 651 129,789 616 35 3,083

  13. Slide 13: Capital adequacy ratio

     2020 6 15.43% % % 2020 3 2020 6 40 89,325 89,666 340 574,072 581,067 6,995 30 547,750 554,745 6,995 15.55 15.43 0.12 22.22 20 % 17.42 15.78 15.55 2020 3 2020 6 15.43 89,420 89,769 349 10 573,908 580,920 7,011 547,588 554,600 7,011 15.58 15.45 0.12 0 2017 3 2018 3 2019 3 2020 3 2020 6 Copyright © 2

  14. Slide 14: Deposits and assets

    2020 3 2020 6 1,139,569 1,193,385 53,816 571,866 627,821 55,954 567,703 565,564 2,138 848,705 879,836 31,130 59,863 57,599 2,263 75,944 72,445 3,498 634,023 665,669 31,645 22,917 24,392 1,475 22,860 26,394 3,534 33,096 33,335 238 1 9 2 Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

  15. Slide 15: BP ps6 48817

    BP ps6 48817

  16. Slide 16: Balance sheet

    2020 3 2020 6 2020 3 2020 6 51,663,901 54,098,510 2,434,609 183,004,733 187,480,026 4,475,293 1,040,000 1,060,000 20,000 14,855,624 15,116,767 261,142 9,731,897 9,711,854 20,043 2,219,384 1,802,002 417,381 112,491 51,234 61,257 10,100 1,891,480 1,881,380 315,812 296,173 19,639 511 387 123 31 17 14 1

  17. Slide 17: Income statement

    2019 2020 2019 2020 1 1 1 1 364,494 305,759 58,734 36 80 44 256,629 193,347 63,282 36 80 44 33,171 31,843 1,327 105,706 41,846 63,860 74,693 80,569 5,875 28,039 12,139 15,900 73,467 79,845 6,377 114 3,356 3,241 1,897 697 1,200 27,925 8,782 19,142 263,091 252,895 10,196 77,781 33,063 44,718 30,648 29

  18. Slide 18: Financial indicators

    % 2019 2020 1 1 0.14 0.06 0.08 2.73 1.35 1.38 72.17 82.71 10.53 1 2 100 2 2 100 3 100 4 % 2019 2020 1 1 0.66 0.49 0.16 0.70 0.63 0.07 0.16 0.12 0.03 0.03 0.13 0.09 0.50 0.37 0.13 Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved. 16

  19. Slide 19: Yields and spreads

    % 2019 1 2020 1 201,734,229 335,585 0.66 205,673,347 255,528 0.49 0.16 5,105,043 2,808 0.22 5,953,894 2,560 0.17 0.04 134,957,215 326,022 0.96 136,744,326 246,320 0.72 0.24 52,037,906 7,437 0.05 52,704,160 7,460 0.05 0.00 194,273,474 78,956 0.16 198,858,396 62,181 0.12 0.03 182,309,039 14,942 0.03 1

  20. Slide 20: Credit ratings and portfolio data

    2020 3 2020 6 1,359,705 28,113 AAA 1,355,889 26,332 AAA 173,975 205 AAA 157,160 110 AAA 1,018 37 AAA 1,005 35 AAA 1,534,699 27,945 1,514,055 26,257 38,546 9,390 AAA 36,384 5,052 AAA 1,767,354 121,935 AAA 1,841,674 71,328 AAA 1,805,900 131,326 1,878,058 76,381 3,340,600 103,380 3,392,114 50,123 1 2 3

  21. Slide 21: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

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

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