Japan Post Bank Co., Ltd. · TSE:7182

Japan Post Bank — FY2016 Earnings Presentation

38 slides from Japan Post Bank's earnings presentation, May 15, 2017

  1. Slide 1: BP ps5 a8eiT

    BP ps5 a8eiT 2017 29 «3 2017 5 15

  2. Slide 2: Contents

    P. 2 P. 9 P. 4 P.10 P. 5 2017 P.11 P. 6 P.13 P. 7 P.15 11 P.27 P.16 12 P.28 P.17 13 P.29 P.17 14 P.29 P.18 15 P.30 P.20 16 P.31 P.21 17 P.32 P.23 P.34 P.24 P.35 10 P.25 Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved.

  3. Slide 3: BP ps6 48817

    BP ps6 48817

  4. Slide 4: Summary of FY2016 results

    2016 2016  418 1 4,102 18,972 1,375 717 45 3.6% 1,002 4,420 399  100 1 561 8.2%  3,122 317 3,540 128 3.9%  81 399 4,420 2017 2017  3,122 128 4,900 3,000 104.0% 3,500 Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved. 2

  5. Slide 5: Income statement and balance sheet summary

    % 2016 2015 2016 2015 14,102 14,520 418 2,095,688 2,070,560 25,127 12,235 13,610 1,375 512,819 458,950 53,868 866 911 45 4,700 9,788 5,088 1,000 1 1,002 87,189 79,232 7,956 993 14 1,008 38,179 35,611 2,567 24 18 43 1,387,924 1,440,768 52,843 1 10,561 10,661 100 40,641 25,420 15,220 0 0 1,977,887 1,9

  6. Slide 6: Net interest income and yields

     2016 1 2,235 0.60% 1.8% 18,000 2016 2015 1.6% 15,407 16,000 8,040 9,705 1,665 15,321 14,702 10,465 12,486 2,020 1.4% 13,610 14,000 7,933 9,666 1,733 12,235 1.2% 12,000 2,425 2,780 355 1.0% 10,000 0.82% 2016 2015 0.73% 0.76% 0.8% 8,000 4,195 3,904 290 0.66% 0.60% 0.6% 6,000 5,966 5,459 506 5,953 5,

  7. Slide 7: Fees and commissions, expenses

     2016 45 866 6,000 5,443 2016 2015 5,000 866 911 45 4,270 4,000 3,770 591 592 1 3,000 72 75 2 2,000 105 130 25 1,000 96 112 15 0 2014 2015 2016 14,000 1,000 922 907 13,101 13,000 800 669 12,000 600 11,187 11,355 11,000 400 10,000 200 0 9,000 0 2014 2015 2016 2014 2015 2016 Copyright © 2017 JAPAN PO

  8. Slide 8: Deposits

     2016 99 1 540 12,000 2016 2015 11,107 11,136 1,232 1,232 0 10,950 11,000 1,011 1,014 3 10,640 10,540 8,543 8,651 108 10,000 6,124 6,094 30 83 98 14 661 644 17 9,000 764 755 8 10,540 10,640 99 0 8,000 2012 2013 2014 2015 2016 Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved. 6

  9. Slide 9: Asset management portfolio

     2016 68.8 52.9 2016 2015 % % 1,387,924 66.9 1,440,768 70.3 52,843 9.3 4.4% 688,049 33.2 822,556 40.1 134,506 1 170,704 8.2 164,256 8.0 6,448 529,170 25.5 453,955 22.1 75,214 201,434 9.7 198,295 9.6 3,139 51.2 24.7% 68.8 327,267 15.7 255,209 12.4 72,057 33.2% 4.0 1.9% 207.1 38,179 1.8 35,611 1.7 2,

  10. Slide 10: Securities gains and unrealized gains

     2016 4 3,981 2016 2015 383,169 14,565 520,525 22,083 2016 2015 1,044,701 45,661 958,475 47,917 1,006,669 32,821 922,863 38,724 334,875 13,207 343,582 17,447 200,785 13,351 197,327 19,678 326,042 4,350 255,209 1,280 144,965 1,911 126,744 2,879 1,853 353 38,032 10,986 35,611 8,838 20,792 10,586 18,7

  11. Slide 11: Investment portfolio balances

     2016 179.4 180 179.4 177.7 177.8 2016 2015 176.0 176.6 67.9 63.8 4.1 13.0 13.8 0.8 170 54.5 49.5 4.9 0.3 0.3 0.0 111.2 113.8 2.5 160 10.0 11.4 1.3 101.2 102.4 1.1 0.1 0.1 0.0 179.4 177.8 1.5 1500 2012 2013 2014 2015 2016 Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved. 9

  12. Slide 12: Capital adequacy ratio

     2016 22.22% % 80 % 70 2016 2015 66.04 86,169 84,993 1,176 60 56.81 387,798 322,185 65,612 50 359,065 292,532 66,533 40 38.42 22.22 26.38 4.16 26.38 30 22.22 20 10 0 2012 2013 2014 2015 2016 2013 Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved. 10

  13. Slide 13: FY2017 forecast

    2017  2017 4,900 3,500  2017 2017 2017 2017 2016  4,900 4,420 3,500 3,122  1 2 3 14,500 14,400 14,000  5,200 [61 ] 6,800 [70 ]  SP BP 9,300 [136 ] 7,100 [129 ]  2016 12 2015 2016 2017 1 2  114 3 100 Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved. 11

  14. Slide 14: Shareholder returns

    2017  2016 1 50 25  2017 1 50 25 2017 1 60 50 50 50% 50 40 1 25 25 30 20 25 25 10 0 2016 2017 1,874 1,874 3,122 3,500 60.0% 53.5% Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved. 12

  15. Slide 15: Asset management trends

    2016 2015 80 70.4 1 1,290,981 1,363,887 72,905 61.5 60 546,460 477,080 69,379 48.0 733,145 872,663 139,517 40 36.9 2 30.6 11,375 14,143 2,767 1 704,526 615,636 88,889 20 60,822 58,565 2,257 77,191 68,481 8,709 0 2012 2013 2014 2015 2016 4 523,748 454,463 69,284 1 3 10,695 11,277 582 25,996 22,849 3,

  16. Slide 16: BP ps6 48817

    BP ps6 48817

  17. Slide 17: Balance sheet

    2016 2015 2016 2015 51,281,921 45,895,068 5,386,853 179,434,686 177,871,986 1,562,699 470,000 978,837 508,837 45,436 22,536 22,900 8,718,905 7,923,229 795,676 960,937 554,522 406,415 252,214 178,509 73,705 13,694,294 13,123,558 570,736 9 187 178 40,324 40,324 3,817,908 3,561,110 256,797 407 338 68 1

  18. Slide 18: Income statement

    2016 2015 2016 2015 1,410,256 1,452,082 41,825 1,488 1,109 379 1,223,546 1,361,065 137,519 529 1,103 573 86,619 91,139 4,520 958 5 953 100,091 122 100,213 440,596 480,888 40,292 99,395 1,471 100,867 133,287 152,528 19,241 2,454 1,846 4,300 4,954 3,291 8,245 1,056,168 1,066,184 10,015 128,332 155,819

  19. Slide 19: Yields and margins

    % 2016 2015 0.14 0.15 0.00 2.68 2.80 0.12 74.89 73.42 1.46 0.58 0.59 0.01 1 2 100 2 2 100 3 100 4 100 % 2016 2015 0.78 0.86 0.08 0.73 0.75 0.02 0.18 0.19 0.01 0.04 0.10 0.05 0.60 0.66 0.06 Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved. 17

  20. Slide 20: Average balances and yields

    % 2016 2015 193,991,919 1,046,541 0.53 192,120,047 1,248,620 0.64 0.11 3,081,133 17,741 0.57 2,681,909 25,091 0.93 0.35 92,901,349 926,690 0.99 109,010,368 1,116,543 1.02 0.02 8,318,619 1,471 0.01 8,586,952 7,958 0.09 0.07 47,723,014 24,916 0.05 39,310,383 35,624 0.09 0.03 184,991,156 242,503 0.13 1

  21. Slide 21: Average balances and yields by category

    % 2016 2015 200,321,045 1,567,512 0.78 200,500,267 1,731,217 0.86 0.08 3,083,285 17,748 0.57 2,684,524 25,103 0.93 0.35 141,000,661 1,522,075 1.07 149,083,133 1,657,623 1.11 0.03 8,318,619 1,471 0.01 8,586,952 7,958 0.09 0.07 47,804,568 25,885 0.05 40,087,966 40,329 0.10 0.04 190,443,114 343,966 0.1

  22. Slide 22: Securities by type

    % 2016 2015 51,213,391 24.71 45,769,105 22.33 5,444,285 470,000 0.22 978,837 0.47 508,837 8,718,905 4.20 7,923,229 3.86 795,676 3,817,908 1.84 3,561,110 1.73 256,797 2,079,290 1.00 1,878,626 0.91 200,664 0 0.00 0 0.00 0 1,274,178 0.61 1,293,411 0.63 19,232 138,792,448 66.98 144,076,834 70.32 5,284,3

  23. Slide 23: Securities valuation

    2016 2015 35,317,430 1,373,826 47,897,398 2,063,032 12,579,968 689,205 44,618 115 341,147 3,954 296,528 3,839 2,889,963 70,626 3,717,263 110,702 827,299 40,076 64,911 11,981 96,744 30,670 31,833 18,688 64,911 11,981 96,744 30,670 31,833 18,688 38,316,923 1,456,549 52,052,553 2,208,359 13,735,630 751

  24. Slide 24: Securities holdings details

    2016 2015 3,803,267 1,098,661 3,561,110 883,889 242,156 214,772 2,079,290 1,058,661 1,878,626 829,857 200,664 228,804 0 0 0 0 0 0 1,274,178 40,000 1,293,411 54,032 19,232 14,031 1 1 2 3 2016 3,734 2015 1,588 2016 2015 4,498,510 195,410 3,987,422 409,837 511,088 214,427 2,971,988 37,723 3,651,466 182

  25. Slide 25: Loans by category

    % 2016 2015 123,212 11.68 123,243 11.58 31 101,128 9.59 101,439 9.53 311 22,084 2.09 21,804 2.04 280 854,369 81.05 865,169 81.31 10,800 612,465 58.10 609,431 57.27 3,034 8,371 0.79 9,862 0.92 1,490 66,166 6.27 64,465 6.05 1,700 12,388 1.17 11,849 1.11 539 50,702 4.81 52,635 4.94 1,932 35,306 3.34 36

  26. Slide 26: Loan breakdown

    % 2016 2015 4,064,120 100.00 2,538,749 100.00 1,525,370 51,808 2.04 51,808 75,811 1.86 83,769 3.29 7,958 10,518 0.25 10,518 1,311,274 32.26 1,525,987 60.10 214,712 14,062 0.34 12,112 0.47 1,949 23,044 0.56 26,132 1.02 3,088 2,440,005 60.03 638,140 25.13 1,801,864 189,404 4.66 200,799 7.90 11,394 3,3

  27. Slide 27: Deposits by type

    % 2016 2015 67,994,923 37.89 63,834,943 35.88 4,159,980 13,052,115 7.27 13,874,601 7.80 822,486 54,550,845 30.40 49,571,866 27.86 4,978,978 391,963 0.21 388,475 0.21 3,488 111,280,733 62.01 113,852,874 64.00 2,572,141 10,065,156 5.60 11,441,153 6.43 1,375,997 101,215,576 56.40 102,410,683 57.57 1,19

  28. Slide 28: Average deposit balances

    % 2016 2015 65,952,601 36.79 62,432,860 35.10 3,519,741 13,133,438 7.32 12,413,131 6.97 720,306 52,429,547 29.24 49,627,508 27.90 2,802,038 389,616 0.21 392,220 0.22 2,604 113,138,020 63.11 115,247,660 64.79 2,109,639 10,752,770 5.99 12,339,989 6.93 1,587,218 102,384,806 57.11 102,906,340 57.85 521,

  29. Slide 29: Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2016 2015 135,480 134,970 509 4,127 4,395 267 9,192 10,354 1,161 148,800 149,720 919 2016 2015 6,283 6,345 62 7,322 7,443 120 945 931 14 962 1,025 63 1,161 1,161 139 157 18 % 2016 2015 0.7 0.7 Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved. 27

  30. Slide 30: Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2016 2015 134,770 268,307 133,537 87 131 43 45,586 45,887 301 8,463 9,720 1,256 427 574 146 2,642 1,698 943 51,461 185,373 133,912 3,101 3,786 685 22,998 21,134 1,864 1,405,320 1,479,594 74,273 1,399,193 1,468,886 69,693 6,127 10,707 4,579 1,270,550 1,211,286 59,264 Copyright © 2017 JAPAN POST BANK

  31. Slide 31: Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved.

    % 2016 2015 4,145,468 2,645,437 1,500,031 4,145,468 2,645,437 1,500,031 2016 2015 1,096 1,030 65 267 277 10 829 753 76 Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved. 29

  32. Slide 32: Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved.

    % 2016 2015 8,636,164 8,511,796 124,368 19,224 12,471 6,753 8,616,940 8,499,325 117,615 38,779,806 32,218,529 6,561,277 35,906,558 29,253,213 6,653,344 8 2,873,248 2,965,316 92,067 8 22.22 26.38 4.16 % 2016 2015 9,618 5,980 3,637 2,380 1,788 592 6,544 3,662 2,882 86,169 84,993 1,176 11.16 7.03 4.12

  33. Slide 33: Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2016 2015 12 12 26 23 3 12,965 12,905 60 1 2 2016 2015 12 12 222 222 19,869 19,875 6 3,957 4,004 47 24,060 24,113 53 1 2 3 Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved. 31

  34. Slide 34: Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2016 2015 1,251 1,164 86 544,399 427,085 117,313 2016 2015 749 696 53 1,310,151 1,135,550 174,601 2016 2015 17,731 17,220 511 90,712 92,270 1,558 2016 2015 100,507 82,776 17,731 528,434 437,722 90,712 Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved. 32

  35. Slide 35: Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2016 2015 61 65 3 2016 2015 1,093 1,285 192 2016 2015 39,908 36,369 3,539 2016 2015 383,259 343,350 39,908 Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved. 33

  36. Slide 36: Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2016 2015 1 1,290,981 1,363,887 72,905 546,460 477,080 69,379 733,145 872,663 139,517 2 11,375 14,143 2,767 1 704,526 615,636 88,889 60,822 58,565 2,257 77,191 68,481 8,709 4 523,748 454,463 69,284 3 10,695 11,277 582 25,996 22,849 3,147 5 6,073 6,073 1 2 3 4 5 Copyright © 2017 JAPAN POST BANK CO.,

  37. Slide 37: Credit ratings of holdings

    % 2016 2015 12,760 415 3.25 AAA 12,801 710 5.54 AAA AA 941 16 1.76 AA A 942 30 3.22 AA A 1,012 1 0.10 AAA 719 0 0.03 AAA 20 1 5.00 AAA 27 1 6.46 AAA 14,734 432 2.93 14,491 742 5.12 2,403 100 4.17 AAA 2,533 43 1.71 AAA 1,564 40 2.56 AAA 3,968 60 1.51 2,533 43 1.71 18,702 371 1.98 17,025 698 4.10 1 2

  38. Slide 38: Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved.

    Copyright © 2017 JAPAN POST BANK CO., LTD. All Rights Reserved.

Japan Post Bank — FY2016 Earnings Presentation on 6ix