Japan Post Bank Co., Ltd. · TSE:7182

Japan Post Bank — FY2015 Earnings Presentation

37 slides from Japan Post Bank's earnings presentation, May 13, 2016

  1. Slide 1: Financial Results Presentation FY2015

    BP ps5 a8eiT 2016 28 «3 2016 5 13

  2. Slide 2: Contents

    P. 2 P. 7 P. 4 P. 9 P. 5 P.10 P. 6 2016 P.11 P.14 11 P.26 P.15 12 P.27 P.16 13 P.28 P.16 14 P.28 P.17 15 P.29 P.19 16 P.30 P.20 17 P.31 P.22 P.33 P.23 P.34 10 P.24 Copyright © 2016 JAPAN POST BANK CO., LTD. All Rights Reserved.

  3. Slide 3: Summary of Financial Results

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  4. Slide 4: Summary of FY2015 Results

    2015  1,826 1 4,520 2015 19,689 1,091 1,797 5.2% 18 4,819 874  485 15.3% 1 661 3,250 443  12.0% 1,341 3,858 874 4,819 2016 2016  3,250 443 4,200 3,200 101.5% 3,000 Copyright © 2016 JAPAN POST BANK CO., LTD. All Rights Reserved. 2

  5. Slide 5: Income Statement Summary

    % 2015 2014 2015 2014 14,520 16,347 1,826 2,070,560 2,081,793 11,232 13,610 15,407 1,797 458,950 333,010 125,940 911 892 18 9,788 19,615 9,826 1 47 48 79,232 83,740 4,508 1 10,661 11,147 485 35,611 34,916 694 1,440,768 1,561,697 120,929 3,858 5,199 1,341 25,420 27,839 2,419 961 494 466 1,955,478 1,9

  6. Slide 6: Gross Profit and Net Interest Income

     2015 1 3,610 0.66% 2015 2014 1.8% 18,000 16,773 9,705 11,399 1,693 1.6% 15,321 15,407 16,000 14,702 12,486 14,259 1,773 1.4% 13,610 14,000 9,666 11,485 1,818 2,780 2,860 79 1.2% 12,000 0.91% 1.0% 10,000 2015 2014 0.82% 0.73% 0.76% 3,904 4,008 103 0.8% 8,000 0.66% 5,459 5,092 367 0.6% 6,000 5,410 5

  7. Slide 7: Fees and Expenses

     2015 911 5,000 2015 2014 4,270 4,000 3,770 911 892 18 3,396 592 597 4 3,000 75 60 15 2,000 130 119 11 1,000 112 114 2 0 2013 2014 2015 12,000 11,187 11,355 1,000 922 9,776 10,000 800 692 669 8,000 600 6,000 400 4,000 200 2,000 00 0 2013 2014 2015 2013 2014 2015 Copyright © 2016 JAPAN POST BANK CO.

  8. Slide 8: Net Income Trends

     522 8,651 12,000 11,739 2015 2014 11,500 1,232 1,220 11 1,014 999 14 11,107 11,136 10,950 8,651 9,174 522 11,000 6,094 6,024 69 10,640 10,500 98 189 91 644 1,036 392 10,000 755 741 14 10,640 11,136 496 0 9,500 2011 2012 2013 2014 2015 Copyright © 2016 JAPAN POST BANK CO., LTD. All Rights Reserved.

  9. Slide 9: Securities and Asset Composition

     144.0 2.5 2015 2014 % % 8.9 4.3% 1,440,768 70.3 1,561,697 75.8 120,929 822,556 40.1 1,067,670 51.8 245,113 45.7 1 164,256 8.0 165,090 8.0 834 22.3% 453,955 22.1 328,936 15.9 125,019 198,295 9.6 188,177 9.1 10,117 2.5 82.2 255,209 12.4 139,677 6.7 115,532 204.8 1.2% 40.1% 35,611 1.7 34,916 1.6 694

  10. Slide 10: Interest Yields and Securities Gains

     4 1,864 2015 2014 520,525 22,083 664,745 22,683 2015 2014 958,475 47,917 940,129 56,559 922,863 38,724 905,213 50,765 343,582 17,447 458,609 13,820 197,327 19,678 186,811 31,508 255,209 1,280 139,677 2,649 353 5,914 35,611 8,838 34,916 11,708 18,786 8,298 21,461 11,254 77,198 6,053 60,110 9,744 41

  11. Slide 11: Deposits Balance

     2015 177.8 180 177.7 177.8 176.6 2015 2014 175.6 176.0 63.8 61.0 2.7 13.8 11.7 2.1 170 49.5 48.9 0.6 0.3 0.3 0.0 113.8 116.4 2.6 160 11.4 13.5 2.1 102.4 102.8 0.4 0.1 0.2 0.0 177.8 177.7 0.1 0 150 2011 2012 2013 2014 2015 Copyright © 2016 JAPAN POST BANK CO., LTD. All Rights Reserved. 9

  12. Slide 12: Capital Adequacy Ratio

     2015 26.38% % 100 % 90 2015 2014 80 84,993 82,740 2,253 68.39 70 66.04 322,185 215,334 106,850 56.81 60 292,532 184,902 107,629 50 38.42 26.38 38.42 12.04 40 30 26.38 20 10 0 2011 2012 2013 2014 2015 2013 Copyright © 2016 JAPAN POST BANK CO., LTD. All Rights Reserved. 10

  13. Slide 13: FY2016 Forecasts

    2016  2016 4,200 3,000  2016 1 2 3 4 2016 2015 15,800 14,500 13,900 4,700 4,200 4,819 [48 ] 5,200 [61 ] 3,000 3,250 11,100 [149 ] 9,300 [136 ]  2016 1  115 125 2014 2015 2016 1 2 3[] 4 100 Copyright © 2016 JAPAN POST BANK CO., LTD. All Rights Reserved. 11

  14. Slide 14: Dividends and Shareholder Returns

    2016  2015 1 25  2016 1 50 25 2017 60 1 50 50 50% 40 2015 25 6 30 25% 25 20 1 25 25 10 0 2015 2016 937 1,874 3,250 3,000 28.8% 62.4% Copyright © 2016 JAPAN POST BANK CO., LTD. All Rights Reserved. 12

  15. Slide 15: Financial Data

    BP ps6 48817

  16. Slide 16: Balance Sheet

    2015 2014 2015 2014 45,895,068 33,301,050 12,594,018 177,871,986 177,710,776 161,209 978,837 1,961,526 982,689 22,536 22,536 7,923,229 8,374,084 450,855 554,522 554,522 178,509 122,032 56,476 13,123,558 13,570,198 446,640 187 104 83 338 266 72 3,561,110 3,491,637 69,472 2,532,920 3,576,119 1,043,198

  17. Slide 17: Income Statement

    2015 2014 2015 2014 1,452,082 1,634,774 182,691 1,109 1,544 2,653 1,361,065 1,540,799 179,733 1,103 1,561 2,665 91,139 89,251 1,887 5 17 11 122 4,723 4,845 480,888 571,034 90,145 1,471 9,300 10,772 152,528 182,658 30,129 1,846 4,592 6,438 3,291 18,941 15,650 1,066,184 1,114,775 48,591 325,069 369,43

  18. Slide 18: Key Financial Indicators

    % 2015 2014 0.15 0.17 0.02 2.80 3.20 0.39 73.42 68.19 5.23 0.59 0.62 0.02 1 2 100 2 2 100 3 100 4 100 % 2015 2014 0.86 0.95 0.09 0.19 0.18 0.00 0.66 0.76 0.09 Copyright © 2016 JAPAN POST BANK CO., LTD. All Rights Reserved. 16

  19. Slide 19: Yields and Spreads

    % 2015 2014 192,120,047 1,248,620 0.64 192,255,012 1,425,970 0.74 0.09 2,681,909 25,091 0.93 2,972,334 31,127 1.04 0.11 109,010,368 1,116,543 1.02 133,278,712 1,320,454 0.99 0.03 39,310,383 35,624 0.09 25,859,681 24,529 0.09 0.00 184,078,165 278,032 0.15 183,495,714 286,018 0.15 0.00 177,868,069 232

  20. Slide 20: Yields and Spreads (Total)

    % 2015 2014 200,500,267 1,731,217 0.86 198,005,944 1,893,273 0.95 0.09 2,684,524 25,103 0.93 2,972,334 31,127 1.04 0.11 149,083,133 1,657,623 1.11 160,128,701 1,826,086 1.14 0.02 40,087,966 40,329 0.10 27,004,139 28,050 0.10 0.00 189,918,117 370,151 0.19 187,117,536 352,473 0.18 0.00 177,868,069 232

  21. Slide 21: Securities Portfolio

    % 2015 2014 45,769,105 22.33 33,034,939 16.04 12,734,166 978,837 0.47 1,961,526 0.95 982,689 7,923,229 3.86 8,374,084 4.06 450,855 3,561,110 1.73 3,491,637 1.69 69,472 1,878,626 0.91 2,146,168 1.04 267,541 0 0.00 31,103 0.01 31,102 1,293,411 0.63 1,288,771 0.62 4,639 144,076,834 70.32 156,169,792 75

  22. Slide 22: Securities Balance by Type

    2015 2014 47,897,398 2,063,032 60,906,077 2,068,297 13,008,679 5,264 341,147 3,954 744,647 12,740 403,500 8,786 3,717,263 110,702 4,687,255 134,478 969,992 23,776 96,744 30,670 136,597 52,860 39,853 22,190 96,744 30,670 136,597 52,860 39,853 22,190 52,052,553 2,208,359 66,474,578 2,268,377 14,422,02

  23. Slide 23: Securities Valuation Gains and Losses

    2015 2014 3,561,110 883,889 3,491,637 1,170,895 69,472 287,006 1,878,626 829,857 2,146,168 1,125,491 267,541 295,634 0 0 31,103 1,212 31,102 1,212 1,293,411 54,032 1,288,771 44,191 4,639 9,840 1 1 2 3 2015 1,588 2014 549 2015 2014 3,987,422 409,837 2,940,067 288,184 1,047,355 121,652 3,651,466 182,2

  24. Slide 24: Operating Expenses

    % 2015 2014 123,243 11.58 122,091 10.96 1,152 101,439 9.53 99,941 8.97 1,498 21,804 2.04 22,149 1.98 345 865,169 81.31 917,455 82.38 52,286 609,431 57.27 602,446 54.09 6,985 9,862 0.92 18,967 1.70 9,105 64,465 6.05 103,695 9.31 39,230 11,849 1.11 11,122 0.99 727 52,635 4.94 62,396 5.60 9,761 36,666

  25. Slide 25: Loans Breakdown

    % 2015 2014 51,808 2.03 83,042 2.98 31,234 83,769 3.29 91,092 3.27 7,323 18,286 0.65 18,286 1,525,987 60.02 1,759,281 63.19 233,293 12,112 0.47 2,000 0.07 10,112 26,132 1.02 8,670 0.31 17,461 638,140 25.10 614,202 22.06 23,937 204,099 8.02 207,409 7.45 3,310 2,542,049 100.00 2,783,985 100.00 241,936

  26. Slide 26: Deposits Breakdown (Year-end)

    % 2015 2014 63,834,943 35.88 61,053,645 34.35 2,781,297 13,874,601 7.80 11,747,374 6.61 2,127,226 49,571,866 27.86 48,912,826 27.52 659,039 388,475 0.21 393,443 0.22 4,968 113,852,874 64.00 116,453,033 65.52 2,600,158 11,441,153 6.43 13,569,920 7.63 2,128,766 102,410,683 57.57 102,881,558 57.89 470,

  27. Slide 27: Deposits Breakdown (Average)

    % 2015 2014 62,432,860 35.10 61,057,460 34.35 1,375,399 12,413,131 6.97 11,365,224 6.39 1,047,907 49,627,508 27.90 49,296,826 27.73 330,681 392,220 0.22 395,409 0.22 3,189 115,247,660 64.79 116,441,954 65.52 1,194,294 12,339,989 6.93 14,163,314 7.96 1,823,325 102,906,340 57.85 102,276,763 57.55 629,

  28. Slide 28: Employees and Branches

    2015 2014 134,970 132,898 2,072 4,395 6,053 1,657 10,354 11,515 1,161 149,720 150,466 746 2015 2014 6,345 7,496 1,150 7,443 7,455 11 931 1,004 73 1,025 1,032 6 1,161 96 1,064 157 165 7 % 2015 2014 0.7 0.7 Copyright © 2016 JAPAN POST BANK CO., LTD. All Rights Reserved. 26

  29. Slide 29: Other Financial Data

    2015 2014 268,307 404,320 136,013 131 126 4 45,887 48,718 2,830 9,720 11,179 1,458 574 560 13 1,698 1,901 203 185,373 315,120 129,746 3,786 6,966 3,179 21,134 19,747 1,386 1,479,594 1,845,009 365,415 1,468,886 1,831,326 362,440 10,707 13,682 2,975 1,211,286 1,440,688 229,402 Copyright © 2016 JAPAN P

  30. Slide 30: Other Financial Data

    % 2015 2014 2,645,437 2,931,915 286,477 2,645,437 2,931,915 286,477 2015 2014 1,030 1,055 24 277 315 37 753 740 13 Copyright © 2016 JAPAN POST BANK CO., LTD. All Rights Reserved. 28

  31. Slide 31: Capital Adequacy Details

    % 2015 2014 8,511,796 8,280,501 231,294 12,471 6,491 5,979 8,499,325 8,274,010 225,315 32,218,529 21,533,490 10,685,038 29,253,213 18,490,222 10,762,991 8 2,965,316 3,043,268 77,952 8 26.38 38.42 12.04 % 2015 2014 5,980 7,705 1,724 1,788 2,006 217 3,662 5,067 1,405 84,993 82,740 2,253 7.03 9.31 2.27

  32. Slide 32: Other Data

    2015 2014 12 8 4 23 26 3 12,905 12,889 16 1 2 2015 2014 12 12 222 222 19,875 19,898 23 4,004 4,035 31 24,113 24,167 54 1 2 3 Copyright © 2016 JAPAN POST BANK CO., LTD. All Rights Reserved. 30

  33. Slide 33: Other Data

    2015 2014 1,164 1,061 103 427,085 377,000 50,085 2015 2014 696 665 31 1,135,550 1,118,791 16,759 2015 2014 17,220 11,987 5,233 92,270 66,914 25,355 2015 2014 82,776 65,556 17,220 437,722 345,452 92,270 Copyright © 2016 JAPAN POST BANK CO., LTD. All Rights Reserved. 31

  34. Slide 34: Other Data

    2015 2014 65 60 5 2015 2014 1,285 1,573 288 2015 2014 36,369 34,833 1,535 2015 2014 343,350 306,981 36,369 Copyright © 2016 JAPAN POST BANK CO., LTD. All Rights Reserved. 32

  35. Slide 35: Risk Management Data

    2015 2014 1 1,363,887 1,495,904 132,017 477,080 353,427 123,653 872,663 1,125,571 252,908 2 14,143 16,905 2,762 1 615,636 480,720 134,916 58,565 55,251 3,313 68,481 62,326 6,155 4 454,463 329,478 124,984 3 11,277 10,934 342 22,849 22,729 119 1 2 3 4 Copyright © 2016 JAPAN POST BANK CO., LTD. All Rig

  36. Slide 36: Credit Ratings Breakdown

    % 2015 2014 12,801 710 5.54 AAA AA 11,581 539 4.66 AAA AA 942 30 3.22 AA A 943 37 4.00 AA 719 0 0.03 AAA 232 0 0.00 AAA 27 1 6.46 AAA 45 2 4.46 AAA 14,491 742 5.12 12,802 579 4.52 2,533 43 1.71 AAA 3,308 363 10.99 AAA 2,533 43 1.71 3,308 363 10.99 17,025 698 4.10 16,110 943 5.85 1 2 3 4 Copyright ©

  37. Slide 37: Copyright © 2016 JAPAN POST BANK CO., LTD. All Rights Reserved.

    Copyright © 2016 JAPAN POST BANK CO., LTD. All Rights Reserved.

Japan Post Bank — FY2015 Earnings Presentation on 6ix