Japan Post Bank Co., Ltd. · TSE:7182
Japan Post Bank — Q1 FY2024 Earnings Presentation
21 slides from Japan Post Bank's earnings presentation, August 2023
Slide 1: BP p55 c8hiT
2024 3 2023 8 10 BP p55 c8hiT
Slide 2: P. 2 P.12 P. 3
P. 2 P.12 P. 3 P.13 P. 4 P.14 P. 5 P.15 P. 6 P.15 P. 7 P.16 P. 8 P.17 P. 9 P.18 P.10 JP 7 ATM JP
Slide 3: BP ps5 48ht7 [
BP ps5 48ht7 [
Slide 4: 13 ROE 14 OHR
868 19 25.9% 2022 2023 1 1 1 3,286 1,893 1,393 645 2 2,337 1,691 645 9 3 377 386 9 756 4 571 184 756 5 243 128 371 6 6 327 56 384 7 2,366 2,373 6 1,379 8 0 0 9 919 479 1,399 19 4,700 25.2% 10 284 1,664 1,379 11 1,204 1,184 19 3,350 25.9% 12 888 868 19 2021 2025 ROE 2 100 % OHR 100 13 ROE
Slide 5: 2023 1,688 0.29% 1.2% 12,000 2022 2023 11,475 2,336 1,688 648 3,063
2023 1 648 1,688 0.29% 1.2% 12,000 2022 2023 11,475 1 1 2,336 1,688 648 3,063 3,379 315 1.0% 9,768 9,618 10,000 672 477 194 2,211 2,686 475 1 7,851 458 326 132 0.8% 8,000 7 -3 727 1,691 964 0.6% 6,000 0.52% 0.47% 4,000 3,294 2 0.45% 3,000 0.34% 1,915 1,465 1 0.4% 4,000 2,000 0.29% 578 963 1,000
Slide 6: ATM, NISA and KPIs
2023 1 10 383 2022 2023 ATM 1 1 1,600 372 383 10 1,463 229 229 0 1,400 104 ATM 83 91 7 1,279 1,274 118 97 72 1 30 29 1 1,200 146 136 28 33 5 328 1,000 201 227 2022 2023 1 1 800 1,279 1,668 388 641 629 12 600 1,242 1,325 83 911 372 383 400 834 837 25,063 25,210 147 28 33 30 29 83 91 2021 2025 KPI 2
Slide 7: 2023 2,363 -6 -3 12,000 2022 2023 9,790 6 5 10,000 9,221 232
2023 1 5 2,363 4 -6 7 -3 12,000 2022 2023 1 1 9,790 282 276 5 10,000 9,221 232 227 4 8,000 1,977 1,999 21 897 846 51 6,000 576 609 32 4,000 68 69 1 2,000 2,521 2,357 2,363 98 87 10 2,357 2,363 5 0 2021 2022 2023
Slide 8: 0.1 229.7 2.4 135.2 1.0 196.0 229.7 2023 193.4 194.9 194.9
0.1 229.7 2.4 135.2 1.0 196.0 229.7 2023 6 193.4 194.9 194.9 196.0 200 135.2 150 112.2 119.6 115.0 122.3 37.6 196.0 80.6 100 50 94.4 24.0 81.0 75.2 79.7 73.5 6.3 5.6 9.6 0 2022 3 2023 3 2022 6 2023 6
Slide 9: 2023 37.6 80.6 2023 2023 % % 229.6 226.3 226.7 20.5 1,327,694 58.6
2023 6 37.6 80.6 250 2023 3 2023 6 % % 229.6 226.3 226.7 220.5 1,327,694 58.6 1,352,362 59.6 24,668 13.2 13.1 207.5 11.5 16.4 381,147 16.8 376,555 16.6 4,591 200 11.3 1 162,974 7.1 169,797 7.4 6,822 66.6 68.2 60.6 63.1 51.4 783,572 34.6 806,009 35.5 22,436 150 4.6 4.4 261,390 11.5 276,439 12.1 15,
Slide 10: 2023 4,720 2,580 2023 2023 1,127,660 11,173 1,140,703 19,377 8,204 1,062,012 12,161 1,077,151
2023 6 4,720 2,580 2023 3 2023 6 1,127,660 11,173 1,140,703 19,377 8,204 1,062,012 12,161 1,077,151 27,142 14,980 230,721 4,238 231,212 3,706 532 223,652 14,761 230,346 27,694 12,933 521,102 1,840 528,420 3,228 1,387 86,536 201 87,172 73 127 13,060 20,277 7,216 65,647 12,072 63,551 12,512 440 18,5
Slide 11: Tier 1 capital ratio
2023 6 15.42% Tier1 13.60% % % 30 2023 3 2023 6 92,244 92,507 263 593,951 599,848 5,896 569,382 575,278 5,896 20 15.53 15.42 0.10 15.58 15.53 15.56 15.53 15.42 % 10 10% 2023 3 2023 6 2021 2025 14.28 13.60 0.67 4% 14.01 13.07 0.93 0 2020 3 2021 3 2022 3 2023 3 2023 6
Slide 12: KPI
120 12 KPI 110 101.6 10.5 KPI 99.4 10.1 10 100 94.9 10 0.8 91.1 10.1 10.5 0.8 6.4 84.8 4.2 2.3 2.2 2.8 2.6 2.6 3.3 2.9 2.6 2.6 80 2.2 8 2.2 3.7 3.5 6.4 60 6 0.6 69.8 71.3 73.2 68.2 63.4 4.2 2.6 40 4 0.4 3.3 0.4 1.5 5.6 5.9 20 2 1.0 1.0 1.1 3.2 7.5 7.5 7.4 7.3 7.2 2.2 1.7 5.9 5.4 5.5 5.6 5.7 0 0 2020
Slide 13: BP ps5 48ht7 [
BP ps5 48ht7 [
Slide 14: 2023 2023 2023 2023 68,217,495 63,046,775 5,170,719 194,951,503 196,027,796 1,076,292 2,460,000 2,315,000 145,000 18,…
2023 3 2023 6 2023 3 2023 6 68,217,495 63,046,775 5,170,719 194,951,503 196,027,796 1,076,292 2,460,000 2,315,000 145,000 18,316,621 16,832,957 1,483,664 9,788,452 11,028,057 1,239,604 1,941,872 2,070,547 128,675 250,241 1,479,616 1,229,375 1,632,600 1,632,200 400 478,286 475,462 2,824 1,411 1,144 2
Slide 15: 2022 2023 2022 2023 327,490 188,005 139,484 6 233,647 168,806 64,841 82 119 36
2022 2023 2022 2023 1 1 1 1 327,490 188,005 139,484 82 119 36 233,647 168,806 64,841 82 119 36 37,287 38,344 1,057 118,875 119,699 823 56,554 19,145 75,700 51,357 31,301 20,055 23,687 13,469 37,157 20,566 862 21,428 32,761 5,679 38,441 30,791 32,163 1,372 236,193 236,660 466 88,084 87,535 549 28,674
Slide 16: 2022 2023 160,881 60,029 100,852 180,126 67,183 112,942 67,216 47,793 19,423 19,245 7,154 12,090
2022 1 2023 1 160,881 60,029 100,852 180,126 67,183 112,942 67,216 47,793 19,423 19,245 7,154 12,090 2022 1 2023 1 72,765 108,776 36,010 221,779 270,783 49,003 221,131 268,698 47,567 149,013 162,006 12,992 2022 1 2023 1 233,647 168,806 64,841 306,353 337,939 31,585 72,706 169,132 96,426 1 2 2023 1 2
Slide 17: % 2022 2023 0.55 0.61 0.06 0.57 0.77 0.19 0.13 0.32 0.18 0.02 0.15
% 2022 1 2023 1 0.55 0.61 0.06 0.57 0.77 0.19 0.13 0.32 0.18 0.02 0.15 0.13 0.41 0.29 0.12 % 2022 1 2023 1 223,259,919 306,353 0.55 220,390,944 337,939 0.61 0.06 4,768,436 2,474 0.20 5,618,176 2,362 0.16 0.03 142,714,361 297,244 0.83 137,496,149 325,893 0.95 0.11 64,591,043 6,912 0.04 66,613,831 7,7
Slide 18: % 2022 2023 28,266 11.98 27,681 11.71 23,203 9.84 ,713 9.61 490 5,063 2.14
% 2022 1 2023 1 28,266 11.98 27,681 11.71 584 23,203 9.84 22,713 9.61 490 5,063 2.14 4,968 2.10 94 197,706 83.84 199,905 84.59 2,199 89,797 38.08 84,604 35.80 5,193 57,677 24.46 60,907 25.77 3,229 6,878 2.91 6,981 2.95 102 2,707 1.14 2,658 1.12 49 17,008 7.21 17,427 7.37 419 9,203 3.90 9,835 4.16 63
Slide 19: % 2023 2023 119,611,343 61.35 122,302,690 62.39 2,691,347 12,710,600 6.51 13,035,700 6.64 325,100 106,132,120
% 2023 3 2023 6 119,611,343 61.35 122,302,690 62.39 2,691,347 12,710,600 6.51 13,035,700 6.64 325,100 106,132,120 54.44 108,484,189 55.34 2,352,068 768,622 0.39 782,800 0.39 14,177 75,217,326 38.58 73,594,297 37.54 1,623,029 3,307,143 1.69 3,214,363 1.63 92,779 71,910,183 36.88 70,379,934 35.90 1,53
Slide 20: SPE, RMBS, CLO
SPE 2023 3 2023 6 RMBS 1,274,002 11,695 1,261,988 9,526 350,366 10,365 364,838 9,028 923,635 1,330 897,150 498 CLO 288,156 111 278,034 126 CMBS CDO 561 11 548 11 1,562,720 11,795 1,540,571 9,389 RMBS 27,906 3,161 25,917 4,844 CLO 2,326,005 293,625 2,428,965 535,267 1,408,606 106,062 1,514,902 247,27
Slide 21: BP ps5 48ht7 I
BP ps5 48ht7 I