Japan Post Bank Co., Ltd. · TSE:7182
Japan Post Bank — FY2024 Earnings Presentation
36 slides from Japan Post Bank's earnings presentation, May 15, 2025
Slide 1: BP p55 c8hiT
2025 3 2025 5 15 BP p55 c8hiT
Slide 2: P. 2 P.17 P. 3
P. 2 P.17 P. 3 P.18 P. 4 P.19 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.28 2025 P.29 P.12 P.30 P.13 P.31 P.14 P.31 P.15 P.32 P.33 JP 13 ATM JP
Slide 3: BP ps5 48ht7 [
BP ps5 48ht7 [
Slide 4: 14 OHR 13 ROE
4,143 581 16.3% 2 2023 2024 1 7,336 10,456 3,119 2 7,157 9,567 2,409 2,409 33 3 1,530 1,563 33 4 1,351 674 676 676 5 1,174 688 486 134 6 156 12 168 7 9,291 9,156 134 8 0 0 2,370 9 1,955 1,299 3,254 884 10 6,916 4,546 2,370 5,750 101.6% 11 4,960 5,845 884 4,000 103.5% 12 3,561 4,143 581 %
Slide 5: 2024 2,412 9,568 0.40% 2023 2024 1.2% 12,000 11,475 7,155 9,568 2,412
2024 2,412 9,568 0.40% 2023 2024 1.2% 12,000 11,475 7,155 9,568 2,412 13,969 17,502 3,533 1.0% 9,618 9,568 10,000 1,902 2,579 676 11,134 12,420 1,286 1 1,304 1,785 480 0.8% 7,851 8,000 7,155 6,813 7,934 1,120 2 0.6% 6,000 0.52% 4,000 3,294 1 3,292 0.45% 3,000 0.40% 1,915 1,465 2,164 1,506 0.4% 0
Slide 6: ATM KPI KPI
2024 33 1,548 ATM 2023 2024 1,515 1,548 1,463 1,515 1,548 33 1,500 138 1,279 1,274 104 127 72 118 122 130 892 898 6 97 146 136 328 373 381 ATM 373 381 7 1,000 227 201 122 130 7 500 127 138 11 834 837 911 892 898 0 2020 2021 2022 2023 2024 2023 2024 7,799 11,015 3,216 KPI KPI 1,600 94 4,357 5,879 1
Slide 7: 2024 9,115 11,000 2023 2024 1,113 1,057 7,786 7,743 43 10,080 3,160 3,028
2024 133 9,115 11,000 2023 2024 1,113 1,057 55 902 888 13 7,786 7,743 43 10,080 3,160 3,028 131 10,000 9,790 2,436 2,467 31 279 280 1 9,221 9,248 424 455 30 9,115 172 171 1 9,000 348 314 34 9,248 9,115 133 2021 2025 8,0000 2024 2025 2020 2021 2022 2023 2024 2020 946 690
Slide 8: 2024 233.5 2024 190.4 125.9 64.3 233.5 2024 193.4 194.9 2.8 200 190.4 143.5
2024 233.5 2024 190.4 125.9 64.3 233.5 2024 193.4 194.9 192.8 200 190.4 143.5 150 112.2 119.6 124.3 40.3 190.4 125.9 87.4 100 50 89.9 81.0 75.2 34.0 68.3 64.3 64.6 5.7 0 3.1 9.0 2021 2022 2023 2024
Slide 9: 2024 40.3 87.4 2023 2024 229.6 226.3 231.0 230.2 % % 20.5 1
2024 40.3 87.4 250 2023 2024 229.6 226.3 231.0 230.2 % % 220.5 1 1,464,593 63.3 1,435,653 62.3 28,939 13.2 13.7 12.9 13.1 11.5 2 438,620 18.9 403,426 17.5 35,194 200 1 57.8 64.8 3 159,923 6.9 157,963 6.8 1,960 66.6 68.2 60.6 4 866,048 37.4 874,263 37.9 8,214 6.8 3.1 150 4.6 4.4 6.1 5.7 5 293,267 1
Slide 10: 2024 10,879 12,103 2023 2024 1,155,280 19,475 1,046,033 5,534 13,941 2 1,093,644 34,589
2024 10,879 12,103 2023 2024 1 1,155,280 19,475 1,046,033 5,534 13,941 2 1,093,644 34,589 988,813 18,643 15,946 3 233,129 8,815 153,052 17,051 8,236 4 224,085 33,930 191,038 24,835 9,095 5 571,560 9,881 594,373 11,948 2,066 6 64,869 407 50,349 1,088 681 7 22,562 15,488 7,074 8 61,635 7,447 57,219
Slide 11: Tier1
2024 15.08% Tier1 11.77% % % 30 2023 2024 93,259 93,738 479 621,190 621,310 120 600,350 558,175 42,175 20 15.01 15.08 0.07 15.53 15.56 15.53 15.01 15.08 2024 % 10 10% 2023 2024 2021 2025 13.39 11.77 1.62 4% 13.23 11.77 1.46 0 2020 2021 2022 2023 2024
Slide 12: KPI KPI
KPI 120 114 16 107.4 107.9 KPI 14 99.4 14 13.3 100 94.9 12.1 13.3 91.1 10.1 1.5 12.1 1.1 6.4 2.6 2.6 0.8 4.2 12 2.9 2.8 2.62.3 1.0 2.6 2.6 80 10.1 10 4.6 0.8 4.3 60 8 3.5 78.0 77.9 6.4 68.2 69.8 71.3 6 0.6 40 4.2 2.6 4 0.4 7.5 6.7 1.1 1.5 1.1 1.0 20 5.6 1.1 2 1.0 3.2 7.5 7.4 7.3 7.4 7.4 2.2 5.4 5.5
Slide 13: BP ps5 48ht7 [
2025 BP ps5 48ht7 [
Slide 14: 2025 6,800 4,700 2025 2024 2024 2025 2024 2024 2024 25
2025 6,800 4,700 3 2025 2024 2024 2025 2024 2024 2024 2025 2025 4 2 1 13,120 13,430 13,353 14,760 3 1,500 1,550 1,563 1,630 9,360 9,260 9,147 9,580 1 2 5,250 5,750 5,845 6,800 3 3,650 4,000 4,143 4,700
Slide 15: 2024 2024 2025 2021 2025 2024 50.2% 1 2025 2024 2025
2024 1 2024 11 2 58 2025 1 2021 2025 2024 8 66 50.2% 2021 2025 2024 2025 2021 2025 50% 58 66 58 66 50 60% 1 2024 2,088 2,360 1 52 50.6% 50.2% 1
Slide 16: IG HY
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Slide 17: BP ps5 48ht7 I
BP ps5 48ht7 I
Slide 18: BP ps5 48ht7 [
BP ps5 48ht7 [
Slide 19: 2023 2024 2023 2024 57,701,930 64,607,384 6,905,454 192,802,939 190,465,032 2,337,907 2,010,000 2,135,000 125,000 24,…
2023 2024 2023 2024 57,701,930 64,607,384 6,905,454 192,802,939 190,465,032 2,337,907 2,010,000 2,135,000 125,000 24,042,626 26,985,038 2,942,412 9,742,621 8,463,537 1,279,083 2,373,799 2,004,678 369,120 515,606 593,739 78,132 1,984,900 2,510,100 525,200 54 224 169 1,273 924 348 6,163,585 5,721,973
Slide 20: 2023 2024 2023 2024 728,933 1,043,284 314,351 1,903 1,551 715,544 956,826 241,282 1,692 348
2023 2024 2023 2024 728,933 1,043,284 314,351 1,903 351 1,551 715,544 956,826 241,282 1,692 348 1,344 151,529 154,872 3,342 210 3 207 138,140 68,413 69,726 492,916 573,159 80,243 120,470 69,781 50,689 144,901 167,730 22,828 15,676 1,203 16,880 6,288 5,128 1,160 926,221 912,519 13,701 138,612 162,602
Slide 21: 2023 2024 244,663 377,455 132,791 272,051 547,632 275,581 0,288 257,945 67,656 27,387 170,177 142,790
2023 2024 244,663 377,455 132,791 272,051 547,632 275,581 190,288 257,945 67,656 27,387 170,177 142,790 2023 2024 470,880 579,371 108,490 1,123,504 1,250,995 127,490 1,113,437 1,242,068 128,630 652,624 671,624 18,999 2023 2024 715,544 956,826 241,282 1,396,938 1,750,285 353,347 681,394 793,459 112,0
Slide 22: % 2023 2024 0.62 0.76 0.13 0.75 0.77 0.01 0.32 0.36 0.03 0.12 0.01
% 2023 2024 0.62 0.76 0.13 0.75 0.77 0.01 0.32 0.36 0.03 0.12 0.01 0.11 0.30 0.40 0.09
Slide 23: % 2023 2024 212,267,371 272,051 0.12 220,673,556 547,632 0.24 0.11 5,884,730 9,516 0.16 4,605,608
% 2023 2024 212,267,371 272,051 0.12 220,673,556 547,632 0.24 0.11 5,884,730 9,516 0.16 4,605,608 11,990 0.26 0.09 60,455,794 230,430 0.38 61,905,665 313,152 0.50 0.12 62,868,714 34,730 0.05 64,862,831 158,506 0.24 0.18 206,379,881 27,387 0.01 214,835,388 170,177 0.07 0.06 194,808,662 10,487 0.00 19
Slide 24: % 2023 2024 221,859,893 1,396,938 0.62 229,771,646 1,750,285 0.76 0.13 5,913,193 9,676 0.16 4,623,602
% 2023 2024 221,859,893 1,396,938 0.62 229,771,646 1,750,285 0.76 0.13 5,913,193 9,676 0.16 4,623,602 12,140 0.26 0.09 141,834,897 1,343,868 0.94 148,883,730 1,555,220 1.04 0.09 62,868,714 34,730 0.05 64,862,831 158,506 0.24 0.18 211,798,933 681,394 0.32 219,640,867 793,459 0.36 0.03 194,808,662 10,
Slide 25: % 2023 2024 57,872,310 25.04 64,888,087 28.18 7,015,776 2,010,000 0.86 2,135,000 0.92 125,000 9,742,621
% 2023 2024 57,872,310 25.04 64,888,087 28.18 7,015,776 2,010,000 0.86 2,135,000 0.92 125,000 9,742,621 4.21 8,463,537 3.67 1,279,083 6,163,585 2.66 5,721,973 2.48 441,611 1,127,552 0.48 616,571 0.26 510,980 1,210,849 0.52 1,130,995 0.49 79,853 146,459,322 63.38 143,565,339 62.35 2,893,982 43,862,08
Slide 26: 2023 2024 122,475 1,087,901 1,210,377 2023 2024 18,927 28,133 410 9,206 410 29,210,352 921,095
2023 2024 122,475 1,087,901 1,210,377 2023 2024 18,927 28,133 410 9,206 410 29,210,352 921,095 19,655,611 1,807,915 9,554,740 886,820 23,312,956 881,501 15,305,265 1,705,122 8,007,691 823,621 1,334,299 2,956 835,418 10,992 498,881 8,036 891,924 678,731 213,192 3,671,172 36,637 2,836,196 91,800 834,9
Slide 27: 2023 2024 6,163,585 744,794 5,721,973 237,910 441,611 506,884 1,127,552 732,729 616,571 301,255 510,980 431,473
2023 2024 6,163,585 744,794 5,721,973 237,910 441,611 506,884 1,127,552 732,729 616,571 301,255 510,980 431,473 1,210,849 86,482 1,130,995 154,832 79,853 68,349 1 2 2024 1,879 2023 378 2023 2024 8,549,838 67,838 7,394,035 73,424 1,155,803 5,586 8,803,258 1,892,890 8,550,039 1,714,752 253,219 178,137
Slide 28: % 2023 2024 111,300 12.03 105,751 11.60 5,549 90,211 9.75 ,887 9.75 1,324 21,089
% 2023 2024 111,300 12.03 105,751 11.60 5,549 90,211 9.75 88,887 9.75 1,324 21,089 2.28 16,864 1.85 4,225 778,688 84.19 774,358 84.95 4,330 316,043 34.17 302,872 33.22 13,170 243,628 26.34 246,735 27.06 3,107 27,925 3.01 28,087 3.08 161 10,496 1.13 10,513 1.15 17 69,598 7.52 71,259 7.81 1,661 42,446
Slide 29: % 2023 2024 6,828,393 100.00 3,114,595 100.00 3,713,798 144,420 2.11 194,802 6.25 50,381 79,832
% 2023 2024 6,828,393 100.00 3,114,595 100.00 3,713,798 144,420 2.11 194,802 6.25 50,381 79,832 1.16 105,883 3.39 26,051 54,001 0.79 50,253 1.61 3,748 415,182 6.08 407,428 13.08 7,753 121,101 1.77 124,659 4.00 3,558 72,422 1.06 81,104 2.60 8,682 5,868,195 85.93 2,085,290 66.95 3,782,905 73,236 1.07
Slide 30: % 2023 2024 124,314,467 64.47 125,998,730 66.15 1,684,262 ,694,358 6.58 12,166,082 6.38 528,275 110,801,852
% 2023 2024 124,314,467 64.47 125,998,730 66.15 1,684,262 12,694,358 6.58 12,166,082 6.38 528,275 110,801,852 57.46 112,991,897 59.32 2,190,044 818,257 0.42 840,749 0.44 22,492 68,379,585 35.46 64,323,902 33.77 4,055,683 3,581,797 1.85 8,601,820 4.51 5,020,022 64,797,788 33.60 55,722,082 29.25 9,075
Slide 31: 2023 2024 132,053 130,493 1,560 130,000 131,925 1,925 1,086 4,031 2,944 2,674 1,355 1,318
2023 2024 132,053 130,493 1,560 130,000 131,925 1,925 1,086 4,031 2,944 2,674 1,355 1,318 3,641 4,107 7,749 2023 2024 6,031 1,990 4,040 6,568 6,396 172 942 923 19 4,030 4,030 28 101 73 1,415 1,318 96 92 82 10 % 2023 2024 0.7 0.7 0.0 3.1
Slide 32: 2023 2024 662,128 621,129 40,998 40,927 39,676 1,250 4,191 5,339 1,148 558,966 513,210 45,755
2023 2024 662,128 621,129 40,998 0 220 220 40,927 39,676 1,250 4,191 5,339 1,148 558,966 513,210 45,755 15,603 13,367 2,235 7,784 7,564 219 1,315 1,137 177 33,340 40,612 7,271 603,278 180,148 423,130 599,385 176,626 422,759 3,893 3,522 371 58,850 440,981 382,131
Slide 33: % 2023 2024 7,032,687 3,268,578 3,764,108 7,032,687 3,268,578 3,764,108 0.00 0.00 0.00 2023 2024
% 2023 2024 0 0 0 0 0 0 0 0 7,032,687 3,268,578 3,764,108 7,032,687 3,268,578 3,764,108 0.00 0.00 0.00 2023 2024 1,066 1,043 23 282 266 16 784 777 7
Slide 34: % 2023 2024 9,385,342 9,562,239 176,897 63,604 195,644 132,040 9,321,737 9,366,594 44,857 62,104,150 62,044,057
% 2023 2024 9,385,342 9,562,239 176,897 63,604 195,644 132,040 9,321,737 9,366,594 44,857 62,104,150 62,044,057 60,092 60,030,558 55,801,089 4,229,468 8% 3,932,300 3,932,300 2,073,591 2,310,667 237,076 8% 15.00 15.09 0.08 % 2023 2024 9,389,942 9,567,676 177,734 64,032 193,815 129,782 9,325,909 9,373
Slide 35: SPE RMBS CLO
SPE 2023 2024 RMBS 1,188,174 34,502 1,191,240 82,508 354,848 18,913 438,529 39,731 833,326 15,588 752,711 42,776 CLO 325,031 420 417,788 2,192 CMBS CDO 483 7 333 2 1,513,688 34,915 1,609,363 84,698 RMBS 21,302 4,799 13,225 2,206 CLO 2,765,100 649,484 2,119,232 229,420 2,020,261 363,990 1,963,793 170
Slide 36: BP ps5 48ht7 [
BP ps5 48ht7 [