Japan Post Bank Co., Ltd. · TSE:7182

Japan Post Bank — H1 FY2021 Earnings Presentation

35 slides from Japan Post Bank's earnings presentation, Nov 13, 2020

  1. Slide 1: BP ps5 a8eiT

    BP ps5 a8eiT 2021 3 2020 11 13

  2. Slide 2: P. 2 P.18 P. 3

    P. 2 P.18 P. 3 P.19 P. 4 P.20 P. 5 P.20 P. 6 P.21 P. 7 P.23 P. 8 P.24 P. 9 P.26 P.10 P.27 P.11 P.28 P.12 P.29 P.30 P.30 P.14 P.31 P.15 P.16 P.32 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: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

     8,305 1,720 1,242 794 291 206 8.7 14.4 14.2 6,703 1,659 1,718 1,239 79 23 292 207 1.1 1.4 14.5 14.3 222.2 139.2 52.8 0.7 15.73 70.2 11.3 4.0 4.5 0.17 Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved. 2

  5. Slide 5: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2019 2020  6,782 6,703 79 79 6,703 5,018 4,211 807 654 644 10 807 1,109 1,847 737 10 737 1,078 1,721 643 53 126 73  103 5,043 5,146 5,043 103  23 1,659 1,636 1,659 23  292 1,718 374 58 315  1,239 207 277 75 201 % 2019 2020 2,010 1,718 292 1,447 1,239 207 1,2 2.51 2.46 0.04 3 75.87 75.23 0.63 1

  6. Slide 6: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

     2020 4,211 0.39%  807 1.2% 15,000 2019 2020 1.0% 12,235 12,500 3,377 2,743 634 11,756 3,782 3,088 694 10,161 2,277 1,912 365 0.8% 9,768 10,000 405 345 59 0.60% 0.57% 0.6% 7,500 0.49% 2019 2020 0.47% 6,293 6,180 0.39% 1,640 1,467 172 0.4% 5,491 5,000 5,018 3,865 3,070 794 4,211 3,855 3,067 787 0.2

  7. Slide 7: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

     2020 10 644 2019 2020 654 644 10 1,400 1,288 399 419 19 85 1,200 92 102 10 1,067 217 118 73 45 1,000 87 964 44 49 4 90 222 190 800 190 2019 2020 145 654 644 92 44 49 600 1,471 1,729 257 118 73 102 4,227 1,312 2,915 92 400 794 591 612 2019 9 2020 9 200 399 419 1,168 1,204 36 25,534 24,252 1,281 0 2

  8. Slide 8: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

     2020 103 5,033 12,000 2019 2020 10,353 10,183 10,000 603 584 18 495 479 16 8,000 4,276 4,180 95 6,000 1,891 1,872 19 5,208 5,136 5,033 1,189 1,187 2 4,000 297 287 10 2,000 256 267 10 5,136 5,033 103 0 2018 2019 2020 Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved. 6

  9. Slide 9: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2020 3 2020 9  11 3,856 222 2,908 2,109,051 2,222,908 113,856  4 988 139 2,973 516,639 563,076 46,437  1 9,089 6 8,707  4 4,225 187 4,272 10,400 9,300 1,100  2 303 97,318 101,720 4,401 1 9,593 45,497 51,914 6,416 1,351,984 1,392,973 40,988 150 49,617 68,707 19,089 139.2 137.1 135.1 135.4 139.2

  10. Slide 10: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

     2020 9 187.4 190 2020 3 2020 9 187.4 183.0 87.5 95.2 7.7 181.9 180.9 179.8 7.7 8.2 0.5 180 79.3 86.5 7.1 0.5 0.5 0.0 170 95.2 92.0 3.2 5.2 4.9 0.2 160 90.0 87.0 2.9 0.1 0.1 0.0 183.0 187.4 4.4 150 0 2018 3 2019 3 2020 3 2019 9 2020 9 Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

  11. Slide 11: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

     2020 9 52.8 70.2 2020 3 2020 9 % % 1,351,984 65.1 1,392,973 63.6 40,988 536,361 25.8 528,363 24.1 7,997 1 159,048 7.6 162,427 7.4 3,379 656,575 31.6 702,181 32.0 45,605 237,068 11.4 231,949 10.5 5,119 2 419,010 20.1 469,672 21.4 50,662 45,497 2.1 51,914 2.3 6,416 18,596 0.8 21,715 0.9 3,119 49,617

  12. Slide 12: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

     2020 9 2 8,250 2 9,271 2020 3 2020 9 241,707 4,908 254,976 3,760 1,148 2020 3 2020 9 1,159,361 3,706 1,193,134 32,977 29,271 1,113,864 7,515 1,141,219 17,800 25,316 325,979 7,942 311,003 6,751 1,190 237,068 4,294 231,949 5,721 1,427 419,010 20,404 469,672 4,692 25,096 131,806 651 128,594 635 16 3,

  13. Slide 13: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

     2020 9 15.73% % % 2020 3 2020 9 40 89,325 90,579 1,254 574,072 575,766 1,693 30 547,750 550,073 2,322 15.55 15.73 0.17 22.22 20 % 17.42 15.78 15.73 2020 3 2020 9 15.55 89,420 90,711 1,291 10 573,908 575,663 1,755 547,588 549,973 2,384 15.58 15.75 0.17 0 2017 3 2018 3 2019 3 2020 3 2020 9 Copyright

  14. Slide 14: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2020 3 2020 9 1,139,569 1,207,652 68,082 571,866 642,853 70,986 567,703 564,799 2,903 848,705 893,512 44,807 59,863 56,658 3,204 75,944 72,028 3,916 634,023 677,482 43,458 22,917 24,319 1,402 22,860 27,457 4,597 33,096 35,565 2,469 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: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

     2,000 2,700 • 2019 • 2020 2020 2019 2020 2020 9 20.5.15 20.11.13 1 2 12,670 11,800 12,650 850 3 1,288 1,300 1,300 2020 9 10,195 10,400 10,300 100 3,791 2,750 3,750 1,000 2,734 2,000 2,700 700 2 2020 9 3 1 Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved. 14

  17. Slide 17: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

     50 • • 50 2019 2020 20.5.15 20.11.13 50 50 25 25 50 1,874 1,874 68.5% 69.4% 2020 1 50 1 Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved. 15

  18. Slide 18: IG HY

    (%) IG (bp) 3.0 500 2.5 400 2.0 1.5 300 5Y 1.0 200 136 0.5 (20/9) 10Y 100 0.0 IG 0.5 0 19/3 19/6 19/9 19/12 20/3 20/6 20/9 20/12 21/3 19/3 19/6 19/9 19/12 20/3 20/6 20/9 20/12 21/3 / / HY (%) (bp) 3.0 1,200 2.5 1,000 2.0 800 1.5 517 600 (20/9) 1.0 0.5 400 HY 0.0 200 19/3 19/6 19/9 19/12 20/3 20/6 20

  19. Slide 19: BP ps6 48817

    BP ps6 48817

  20. Slide 20: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2020 3 2020 9 2020 3 2020 9 51,663,901 56,307,680 4,643,778 183,004,733 187,427,295 4,422,562 1,040,000 930,000 110,000 14,855,624 15,656,797 801,172 9,731,897 10,172,035 440,137 2,219,384 1,800,642 418,742 112,491 26,422 86,069 110,417 110,417 315,812 284,219 31,593 10,100 3,957,340 3,947,240 31 30

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

    2019 2020 2019 2020 678,294 670,304 7,989 109 218 108 501,840 421,118 80,721 109 218 109 65,490 64,480 1,009 0 0 110,963 184,705 73,741 200,985 171,626 29,359 107,860 172,187 64,326 55,417 54,697 720 5,370 12,680 7,310 862 6,999 7,861 514,652 504,336 10,315 56,279 47,697 8,581 61,339 59,480 1,858 14

  22. Slide 22: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

    % 2019 2020 0.13 0.11 0.02 2.51 2.46 0.04 75.87 75.23 0.63 1 2 100 2 2 100 3 100 4 % 2019 2020 0.65 0.51 0.13 0.69 0.61 0.07 0.16 0.11 0.04 0.03 0.09 0.06 0.48 0.39 0.08 Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved. 20

  23. Slide 23: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

    % 2019 2020 197,309,717 378,281 0.38 202,473,730 308,862 0.30 0.07 5,063,261 5,625 0.22 6,520,493 5,024 0.15 0.06 73,052,033 262,889 0.71 71,216,281 216,354 0.60 0.11 52,923,230 14,522 0.05 54,096,198 15,507 0.05 0.00 189,969,911 40,518 0.04 195,336,889 34,523 0.03 0.00 182,623,839 28,952 0.03 186,5

  24. Slide 24: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

    % 2019 2020 202,377,177 667,413 0.65 208,470,432 542,152 0.51 0.13 5,070,392 5,643 0.22 6,542,458 5,083 0.15 0.06 134,642,604 648,456 0.96 137,525,324 523,133 0.75 0.20 52,925,757 14,552 0.05 54,096,198 15,507 0.05 0.00 194,967,339 165,573 0.16 201,708,472 121,033 0.11 0.04 182,623,839 28,952 0.03 1

  25. Slide 25: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

    % 2020 3 2020 51,485,414 24.80 56,155,016 25.64 4,669,601 1,040,000 0.50 930,000 0.42 110,000 9,731,897 4.68 10,172,035 4.64 440,137 112,491 0.05 26,422 0.01 86,069 4,549,736 2.19 5,191,409 2.37 641,673 1,859,682 0.89 2,171,595 0.99 311,912 1,419,008 0.68 1,732,798 0.79 313,789 135,198,460 65.14 139

  26. Slide 26: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2020 3 2020 21,038,148 475,518 21,736,092 360,243 697,943 115,274 1,146,788 1,665 1,453,605 2,952 306,817 1,287 1,985,771 13,654 2,307,909 12,839 322,137 815 24,170,708 490,838 25,497,607 376,035 1,326,899 114,802 2020 3 2020 5 5 45,366,981 857,136 43,578,333 736,799 1,788,648 120,337 32,597,964 794

  27. Slide 27: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2020 3 2020 4,549,736 813,852 5,191,409 1,153,332 641,673 339,479 1,859,682 816,565 2,171,595 1,154,580 311,912 338,014 1,419,008 893 1,732,798 121 313,789 1,014 1 2 2020 23,564 2019 9,212 2020 3 2020 8,913,409 458,664 8,493,228 405,097 420,181 53,566 7,426,920 14,041 7,817,548 67,613 390,628 53,571

  28. Slide 28: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

    % 2019 2020 60,368 11.75 58,478 11.61 1,890 49,591 9.65 47,959 9.52 1,632 10,776 2.09 10,518 2.08 258 427,615 83.24 418,069 83.05 9,546 189,162 36.82 187,238 37.19 1,923 118,933 23.15 118,719 23.58 213 29,743 5.79 28,718 5.70 1,025 6,033 1.17 5,799 1.15 233 31,367 6.10 32,468 6.45 1,100 18,221 3.54

  29. Slide 29: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

    % 2020 3 2020 9 4,942,412 100.00 6,845,151 100.00 1,902,739 43,524 0.88 58,372 0.85 14,847 108,064 2.18 120,477 1.76 12,413 31,155 0.63 34,405 0.50 3,249 773,676 15.65 726,400 10.61 47,276 12,983 0.26 27,983 0.40 14,999 48,437 0.98 65,523 0.95 17,085 3,782,410 76.52 5,704,031 83.32 1,921,620 142,159

  30. Slide 30: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

    % 2020 3 2020 9 87,567,568 47.84 95,289,857 50.84 7,722,289 7,712,325 4.21 8,219,171 4.38 506,845 79,346,271 43.35 86,504,186 46.15 7,157,915 508,971 0.27 566,500 0.30 57,528 95,298,907 52.07 92,004,705 49.08 3,294,202 5,225,651 2.85 4,926,439 2.62 299,211 90,073,256 49.21 87,078,265 46.45 2,994,991

  31. Slide 31: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2020 3 2020 9 248,769 254,540 5,771 43,373 43,667 294 3,222 3,303 81 144,765 144,766 1 24,599 23,565 1,033 8,773 8,387 385 1,680 7,819 6,138 22,355 23,030 674 121,106 1,016,172 895,066 113,396 1,009,692 896,295 7,709 6,480 1,229 127,662 761,632 889,294 Copyright © 2020 JAPAN POST BANK CO., LTD. All

  32. Slide 32: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

    % 2020 3 2020 9 0 0 0 0 5,111,652 7,107,143 1,995,491 5,111,652 7,107,143 1,995,491 0.00 0.00 2020 3 2020 9 1,031 985 45 258 275 17 772 710 62 Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved. 30

  33. Slide 33: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

    % 2020 3 2020 9 8,965,233 9,089,215 123,981 32,685 31,238 1,447 8,932,547 9,057,976 125,429 57,407,276 57,576,640 169,363 54,775,080 55,007,373 232,293 8 2,632,196 2,569,266 62,929 8 15.55 15.73 0.17 % 2020 3 2020 9 8,974,876 9,102,586 127,709 32,827 31,429 1,398 8,942,048 9,071,156 129,107 57,390,8

  34. Slide 34: AAA AAA AAA

    2020 3 2020 9 1,359,705 28,113 AAA 1,357,972 26,442 AAA 173,975 205 AAA 149,554 7 AAA 1,018 37 AAA 970 34 AAA 1,534,699 27,945 1,508,498 26,470 38,546 9,390 AAA 64,511 3,190 AAA 1,767,354 121,935 AAA 1,964,508 79,237 AAA 1,805,900 131,326 2,029,020 82,427 3,340,600 103,380 3,537,518 55,957 1 2 3 4 5

  35. Slide 35: Copyright © 2020 JAPAN POST BANK CO., LTD. All Rights Reserved.

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

Japan Post Bank — H1 FY2021 Earnings Presentation on 6ix