Japan Post Bank Co., Ltd. · TSE:7182

Japan Post Bank — H1 FY2022 Earnings Presentation

31 slides from Japan Post Bank's earnings presentation

  1. Slide 1: BP p55 c8hiT

    2023 3 2022 11 BP p55 c8hiT

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

    P. 2 P.14 P. 3 P.15 P. 4 P.16 P. 5 P.17 P. 6 P.19 P. 7 P.20 P. 8 P.22 P. 9 P.23 P.10 P.24 P.25 P.26 P.26 P.12 P.27 P.28 JP 6 ATM JP

  3. Slide 3: BP ps5 48ht7 [

    BP ps5 48ht7 [

  4. Slide 4: Summary of results: ROE and OHR

     1,586 766 2022 50% 2021 2022  2,369 1 7,691 5,763 1,928 113 2 6,668 4,299 2,369 3 636 750 113 327  4 386 713 327 5 637 518 119 350  6 252 193 446 7 5,011 4,660 350 522  8 0 0 0 1,054 4,450 49.4% 9 2,680 1,102 1,577  10 575 1,098 522 3,200 49.5% 11 3,256 2,201 1,054 50 12 2,353 1,586 766 2021

  5. Slide 5:  2022 2,367 4,297 0.37%  1.2% 11,475 12,000 2021 2022 2,373 2,571 198

     2022 2,367 4,297 0.37%  1.2% 11,475 12,000 2021 2022 2,373 2,571 198 10,161 9,768 9,618 2,622 2,804 182 1.0% 10,000 1,592 1,305 287 249 233 16 0.8% 8,000 2021 2022 0.6% 6,000 4,292 1,725 2,566 0.49% 0.52% 0.47% 5,732 4,451 1,281 0.45% 0.37% 5,730 4,428 1,302 0.4% 4,000 1,440 2,725 1,285 6,665 5,4

  6. Slide 6: ATM, NISA and KPIs

     2022 112 742 2021 2022 ATM 630 742 112 1,400 419 464 44 1,288 1,279 1,274 85 97 72 ATM 104 166 61 1,200 136 1 70 61 8 217 146 35 51 15 1,000 201 227 190 2021 2022 800 742 51 630 2,095 2,669 573 61 35 600 941 1,204 263 70 166 104 1,220 1,263 42 400 794 834 837 25,707 24,207 1,499 464 2021 2025 KPI

  7. Slide 7:  2022 4,642 2021 2022 12,000 10,080 11 9,790 10,000 4,120 3,898 222 8,000

     2022 350 4,642 2021 2022 12,000 574 562 11 10,080 470 459 11 9,790 10,000 4,120 3,898 222 8,000 1,817 1,742 74 1,185 1,153 31 6,000 276 137 139 5,033 4,992 297 181 115 4,000 4,642 4,992 4,642 350 2,000 2022 2025 2020 2020 0 2020 2021 2022 385 550

  8. Slide 8:  6.3 226.6  2.3 137.1  0.2 193.7 226.6 2022 189.5 93.4 191.5

     6.3 226.6  2.3 137.1  0.2 193.7 226.6 2022 9 200 189.5 193.4 191.5 193.7 137.1 150 101.3 112.2 106.6 115.2 41.9 193.7 78.3 100 50 88.1 81.0 84.8 89.4 78.3 23.4 6.4 5.4 0 9.4 2021 3 2022 3 2021 9 2022 9

  9. Slide 9:  2022 41.9 78.3 % % 229.6 220.5 222.8 1,395,491 60.7 1,371,560 61.5 23,930

     2022 9 41.9 78.3 250 2022 3 2022 9 % % 229.6 220.5 222.8 1,395,491 60.7 1,371,560 61.5 23,930 13.2 205.9 207.5 11.5 13.6 492,597 21.4 419,994 18.8 72,602 200 8.8 11.3 1 161,543 7.0 168,168 7.5 6,624 66.6 60.1 60.6 50.6 51.4 741,350 32.2 783,397 35.1 42,047 150 4.4 245,096 10.6 259,247 11.6 14,150

  10. Slide 10:  2022 1,636 1,227,204 20,021 1,208,420 11,711 8,309 1,168,921 16,730 1,143,937 21,961 5,231 342,855

     2022 9 594 1 1,636 2022 3 2022 9 1,227,204 20,021 1,208,420 11,711 8,309 1,168,921 16,730 1,143,937 21,961 5,231 342,855 857 288,722 3,769 4,627 227,011 14,842 231,790 26,085 11,243 495,344 823 523,131 268 1,092 103,709 207 100,292 85 293 8,529 22,366 13,836 58,282 11,819 64,483 12,116 296 20,246

  11. Slide 11: Tier 1 capital ratio

     2022 9 15.29% Tier1 13.36% % % 30 2022 3 2022 9 91,993 93,537 1,544 591,060 611,499 20,439 565,455 586,633 21,177 20 15.56 15.29 0.26 15.80 15.58 15.53 15.56 15.29 % 10 10% 2022 3 2022 9 2021 2025 15.68 13.36 2.31 4% 14.23 13.28 0.95 0 2019 3 2020 3 2021 3 2022 3 2022 9

  12. Slide 12: KPIs

    KPI 120 KPI 10 10 9.6 110 99.8 0.7 100 94.9 91.1 9.6 8 84.8 4.2 6.4 81.9 2.8 2.7 2.9 2.7 3.3 2.6 2.6 80 2.9 2.2 3.4 2.4 2.2 6.4 2.2 6 0.6 60 4.2 2.6 68.2 69.8 71.6 4 60.1 63.4 0.4 3.3 40 2.9 0.4 1.5 5.3 1.0 1.0 2 20 3.2 0.6 2.2 7.8 7.5 7.5 7.4 7.3 1.7 1.2 6.3 5.9 5.4 5.5 5.7 0 0 2019 2020 2021 2022

  13. Slide 13: BP ps5 48ht7 [

    BP ps5 48ht7 [

  14. Slide 14: Targets and KPIs

    22 25 22 25 22 9 25 OHR 68.14% 66% 15.29% 10% 1,586 3,500 ROE 1 385 550 CET1 3.36% 3.6% 13.28% 10% 2 20 20 1 2 22 9 25 22 9 25 22 9 25 99.8 3 110 614 1,000 41 50 22/3 94.9 22/3 481 22/3 39 3 4 9.6 4 NISA 20 5 10 40 20 KPI 22/3 6.4 22/3 17 22/3 5 4 2022 ESG 2.8 4 22/3 2.1

  15. Slide 15: BP ps5 48ht7 [

    BP ps5 48ht7 [

  16. Slide 16: 66,664,253 60,204,160 6,460,092 193,441,929 193,724,062 282,133 2,470,000 2,360,000 110,000 19,461,646 17,690,278 1,7…

    2022 3 2022 9 2022 3 2022 9 66,664,253 60,204,160 6,460,092 193,441,929 193,724,062 282,133 2,470,000 2,360,000 110,000 19,461,646 17,690,278 1,771,367 9,861,753 9,600,701 261,052 1,514,438 1,683,721 169,283 454,022 454,022 5,603,600 226,500 5,377,100 397,301 380,828 16,473 697 1,152 455 11 10 1 2,1

  17. Slide 17: 2021 2022 2021 2022 768,316 574,789 193,527 5,228 5,413 666,560 429,777 236,782 5,240 185

    2021 2022 2021 2022 768,316 574,789 193,527 5,228 185 5,413 666,560 429,777 236,782 5,240 185 5,425 63,081 74,286 11,205 12 0 11 38,675 70,725 32,050 330,800 214,190 116,610 63,772 51,186 12,586 81,729 79,025 2,704 25,270 19,377 44,647 14,168 20,300 34,469 500,146 465,015 35,130 95,898 58,724 37,174

  18. Slide 18: % 2021 2022 0.71 0.54 0.16 0.57 0.60 0.02 0.09 0.16 0.07 0.13 0.05

    % 2021 2022 0.71 0.54 0.16 0.57 0.60 0.02 0.09 0.16 0.07 0.13 0.05 0.19 0.61 0.37 0.23

  19. Slide 19: % 2021 2022 210,264,412 262,290 0.24 212,137,338 280,498 0.26 0.01 4,646,437 5,112 0.21 4,973,257

    % 2021 2022 210,264,412 262,290 0.24 212,137,338 280,498 0.26 0.01 4,646,437 5,112 0.21 4,973,257 4,890 0.19 0.02 69,456,376 178,564 0.51 67,285,237 148,476 0.44 0.07 60,224,561 15,305 0.05 63,054,105 14,066 0.04 0.00 203,417,608 24,942 0.02 206,171,509 23,306 0.02 0.00 191,549,454 12,205 0.01 194,4

  20. Slide 20: % 2021 2022 215,722,363 770,310 0.71 221,864,850 611,050 0.54 0.16 4,672,009 5,179 0.22 5,001,272

    % 2021 2022 215,722,363 770,310 0.71 221,864,850 611,050 0.54 0.16 4,672,009 5,179 0.22 5,001,272 4,965 0.19 0.02 139,213,692 751,660 1.07 142,635,792 591,277 0.82 0.25 60,224,561 15,305 0.05 63,054,105 14,066 0.04 0.00 208,497,556 103,749 0.09 212,690,364 181,272 0.16 0.07 191,549,454 12,205 0.01 1

  21. Slide 21: % 66,622,875 29.00 60,144,667 26.98 6,478,208 2,470,000 1.07 2,360,000 1.05 110,000 9,861,753 4.29 9,600,701

    % 2022 3 2022 9 66,622,875 29.00 60,144,667 26.98 6,478,208 2,470,000 1.07 2,360,000 1.05 110,000 9,861,753 4.29 9,600,701 4.30 261,052 454,022 0.20 454,022 5,828,283 2.53 6,448,317 2.89 620,034 2,024,619 0.88 1,898,896 0.85 125,723 1,406,103 0.61 1,290,655 0.57 115,448 139,549,103 60.75 137,156,063

  22. Slide 22: 14,974,212 31,393 13,127,248 293,135 1,846,963 261,741 2,746,510 11,848 3,203,012 22,825 456,502 10,977 3,540,039 12,623

    2022 3 2022 9 14,974,212 31,393 13,127,248 293,135 1,846,963 261,741 2,746,510 11,848 3,203,012 22,825 456,502 10,977 3,540,039 12,623 4,077,869 29,364 537,829 16,741 1,808,495 80 2,745,669 1,822 937,173 1,741 1,808,495 80 2,745,669 1,822 937,173 1,741 23,069,257 55,784 23,153,799 343,503 84,541 287

  23. Slide 23: 5,828,283 1,181,977 6,448,317 1,211,601 620,034 29,624 2,024,619 1,202,212 1,898,896 1,079,801 125,723 122,410 1,406,…

    2022 3 2022 9 5,828,283 1,181,977 6,448,317 1,211,601 620,034 29,624 2,024,619 1,202,212 1,898,896 1,079,801 125,723 122,410 1,406,103 28,340 1,290,655 53,932 115,448 25,591 1 2 2022 3,281 2021 1,955 2022 3 2022 9 7,427,585 67,703 8,461,049 118,775 1,033,463 186,478 8,654,075 711,381 8,983,670 1,230

  24. Slide 24: % 2021 2022 57,418 11.50 56,275 12.12 1,143 47,090 9.43 45,900 9.88 1,189 10,328

    % 2021 2022 57,418 11.50 56,275 12.12 1,143 47,090 9.43 45,900 9.88 1,189 10,328 2.06 10,374 2.23 46 412,098 82.54 389,811 83.97 22,286 181,737 36.40 174,297 37.54 7,440 118,520 23.74 115,355 24.85 3,164 27,690 5.54 13,757 2.96 13,933 5,511 1.10 5,414 1.16 96 32,171 6.44 33,077 7.12 906 18,700 3.74

  25. Slide 25: % 4,415,145 100.00 5,390,578 100.00 975,432 92,847 2.10 2,990 2.09 20,142 130,030 2.94 131,192

    % 2022 3 2022 9 4,415,145 100.00 5,390,578 100.00 975,432 92,847 2.10 112,990 2.09 20,142 130,030 2.94 131,192 2.43 1,162 18,836 0.42 18,812 0.34 24 606,744 13.74 554,035 10.27 52,709 96,815 2.19 108,821 2.01 12,005 81,943 1.85 87,637 1.62 5,693 3,304,344 74.84 4,294,394 79.66 990,049 83,582 1.89 82

  26. Slide 26: % 112,254,409 58.03 115,290,230 59.51 3,035,820 10,749,849 5.55 11,016,069 5.68 266,220 100,805,356 52.11 103,543,404

    % 2022 3 2022 9 112,254,409 58.03 115,290,230 59.51 3,035,820 10,749,849 5.55 11,016,069 5.68 266,220 100,805,356 52.11 103,543,404 53.44 2,738,048 699,203 0.36 730,755 0.37 31,551 81,022,589 41.88 78,318,078 40.42 2,704,510 4,352,435 2.24 3,888,688 2.00 463,746 76,670,153 39.63 74,429,389 38.42 2,2

  27. Slide 27: 339,219 438,508 99,289 42,983 43,709 2,759 4,556 1,796 240,093 341,515 101,421 18,011 17,409 601

    2022 3 2022 9 339,219 438,508 99,289 0 0 0 42,983 43,709 725 2,759 4,556 1,796 240,093 341,515 101,421 18,011 17,409 601 7,011 6,934 76 3,073 3,752 679 25,285 20,631 4,653 643,204 368,278 274,926 613,725 361,231 252,494 29,479 7,047 22,432 303,985 70,230 374,216

  28. Slide 28: % 4,658,094 5,586,088 927,994 4,658,094 5,586,088 927,994 0.00 0.00 1,054 1,056 1 289 285

    % 2022 3 2022 9 0 0 0 0 4,658,094 5,586,088 927,994 4,658,094 5,586,088 927,994 0.00 0.00 2022 3 2022 9 1,054 1,056 1 289 285 4 764 770 5

  29. Slide 29: % 9,225,082 9,379,823 154,740 37,024 41,333 4,309 9,188,057 9,338,489 150,431 59,089,525 61,187,912 2,098,387 56,529,128

    % 2022 3 2022 9 9,225,082 9,379,823 154,740 37,024 41,333 4,309 9,188,057 9,338,489 150,431 59,089,525 61,187,912 2,098,387 56,529,128 58,701,899 2,172,771 8 2,560,397 2,486,012 74,384 8 15.54 15.26 0.28 % 2022 3 2022 9 9,236,562 9,395,417 158,854 37,256 41,658 4,402 9,199,306 9,353,759 154,452 59,1

  30. Slide 30: SPE, RMBS, CLO

    SPE 2022 3 2022 9 RMBS 1,317,081 4,358 1,282,628 5,817 331,835 4,374 326,495 7,813 985,245 8,733 956,132 1,996 CLO 236,597 156 211,140 225 CMBS CDO 735 19 604 13 1,554,414 4,220 1,494,373 6,029 RMBS 38,004 5,782 31,872 5,422 CLO 1,602,388 168,008 2,022,115 480,451 681,912 62,584 1,101,826 207,324 92

  31. Slide 31: BP ps5 48ht7 I

    BP ps5 48ht7 I

Japan Post Bank — H1 FY2022 Earnings Presentation on 6ix