Japan Post Bank Co., Ltd. · TSE:7182
Japan Post Bank — Earnings Presentation (February 2025)
26 slides from Japan Post Bank's earnings presentation, Feb 14, 2025
Slide 1: BP p55 c8hiT
2025 3 2025 2 14 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.19 P.10 P.20 P.21 P.22 P.23 JP 13 ATM JP
Slide 3: BP ps5 48ht7 [
BP ps5 48ht7 [
Slide 4: Summary of results: ROE and OHR
3,083 450 77.0% 2023 2024 3 3 1 5,609 7,539 1,930 1,339 2 5,422 6,762 1,339 19 3 1,180 1,200 19 570 4 993 423 570 5 810 436 373 98 6 137 11 149 7 7,004 6,906 98 1,286 8 0 0 0 9 1,395 633 2,028 741 10 5,065 3,778 1,286 5,750 76.7% 11 3,670 4,412 741 4,000 77.0% 12 2,633 3,083 450 2021 202
Slide 5: 2024 1,344 6,762 0.37% 1.2% 11,475 12,000 2023 2024 3 5,418 6,762
2024 3 1,344 6,762 0.37% 1.2% 11,475 12,000 2023 2024 3 3 5,418 6,762 1,344 1.0% 9,618 10,000 10,399 12,687 2,287 1,398 1,837 439 9,120 8,311 9,317 1,005 7,851 1 0.8% 8,000 863 1,222 358 7,155 4,981 5,925 943 7,032 1 -3 6,762 0.6% 6,000 6,019 2 5,418 4,000 3,294 1 0.52% 3,000 2,164 2,206 0.4% 0.
Slide 6: ATM and KPI
2024 3 20 1,191 ATM 2023 2024 1,515 3 3 1,463 1,500 127 1,170 1,191 20 1,274 104 118 122 1,170 1,191 72 697 694 2 136 373 100 107 328 89 97 ATM 283 290 6 1,000 227 283 290 89 97 8 500 100 107 7 837 911 892 697 694 0 2021 2022 2023 2023 2024 3 3 2023 2024 3 3 5,491 8,029 2,537 KPI KPI 1,600 94 2,66
Slide 7: 2024 6,876 12,000 -12 -3 2023 2024 10,000 787 43 9,221 9,248 673
2024 3 98 6,876 12,000 4 -12 1 -3 2023 2024 3 3 10,000 830 787 43 9,221 9,248 673 664 8 8,000 5,885 5,832 52 6,934 6,974 6,876 6,000 2,423 2,334 89 1,827 1,850 23 4,000 209 210 1 2,000 259 256 2 6,974 6,876 98 0 2022 2023 2024
Slide 8: 2024 243.1 2024 192.1 127.1 64.9 243.1 2024 94.9 192.8 194.9 192.1 147.7 150
2024 12 243.1 2024 12 192.1 127.1 64.9 243.1 2024 12 200 194.9 192.8 194.9 192.1 147.7 150 119.6 124.7 124.3 42.6 192.1 127.1 88.9 100 95.3 50 41.6 75.2 68.3 70.0 64.9 69.3 5.7 3.6 9.3 0 2023 3 2024 3 2023 12 2024 12
Slide 9: 2024 42.6 88.9 240.1 229.6 231.0 % % 226.3 13.5 20.5 13.2 13.7
2024 12 42.6 88.9 250 240.1 2024 3 2024 12 229.6 231.0 % % 226.3 13.5 220.5 13.2 13.7 1 1,464,593 63.3 1,477,886 61.5 13,293 13.1 11.5 2 438,620 18.9 426,518 17.7 12,102 200 57.8 69.5 3 1 159,923 6.9 162,300 6.7 2,377 66.6 68.2 60.6 4 866,048 37.4 889,067 37.0 23,018 6.8 3.6 150 4.6 4.4 6.1 5.7 5
Slide 10: 2024 4,963 6,188 1,155,280 19,475 1,068,990 15,067 4,408 2 1,093,644 34,589 1,011,960 32,785
2024 12 4,963 6,188 2024 3 2024 12 1 1,155,280 19,475 1,068,990 15,067 4,408 2 1,093,644 34,589 1,011,960 32,785 1,803 3 233,129 8,815 157,700 13,008 4,193 4 224,085 33,930 202,954 33,286 644 5 571,560 9,881 595,344 13,268 3,387 6 64,869 407 55,960 759 352 7 22,562 20,765 1,797 8 61,635 7,447 57,0
Slide 11: Tier 1 capital ratio
2024 12 15.13% Tier1 12.88% % % 30 2024 3 2024 12 93,259 96,221 2,962 621,190 635,554 14,363 600,350 616,386 16,036 20 15.01 15.13 0.12 15.53 15.56 15.53 15.01 15.13 % 10 10% 2024 3 2024 12 2021 2025 13.39 12.88 0.51 4% 13.23 12.88 0.35 0 2021 3 2022 3 2023 3 2024 3 2024 12
Slide 12: KPI
KPI 120 114 16 107.4 109.5 KPI 14 99.4 14 13.2 12.1 13.2 100 94.9 91.1 10.1 1.5 1.0 12.1 1.1 2.6 2.6 6.4 12 4.2 2.9 2.8 2.6 2.3 1.0 2.6 2.6 80 10.1 10 4.5 0.8 4.3 60 8 3.5 78.0 79.3 6.4 68.2 69.8 71.3 6 0.6 40 4.2 2.6 4 0.4 7.6 6.7 1.1 20 1.5 5.6 1.1 1.2 2 1.0 3.2 7.5 7.4 7.3 7.4 7.4 2.2 5.4 5.5 5.6
Slide 13: BP ps5 48ht7 [
BP ps5 48ht7 [
Slide 14: 57,701,930 69,325,517 11,623,587 192,802,939 192,199,092 603,847 2,010,000 1,350,000 660,000 24,042,626 33,883,095 9,…
2024 3 2024 12 2024 3 2024 12 57,701,930 69,325,517 11,623,587 192,802,939 192,199,092 603,847 2,010,000 1,350,000 660,000 24,042,626 33,883,095 9,840,469 9,742,621 9,274,308 468,313 2,373,799 2,270,152 103,646 515,606 524,946 9,340 1,984,900 2,304,800 319,900 54 248 193 1,273 1,421 148 6,163,585 5,
Slide 15: 2023 2024 2023 2024 558,674 752,795 194,121 1,046 8 737 541,818 676,227 134,409 1,042
2023 2024 2023 2024 3 3 3 3 558,674 752,795 194,121 1,046 308 737 541,818 676,227 134,409 1,042 307 735 117,074 119,112 2,037 3 1 2 100,219 42,544 57,675 366,267 437,198 70,931 81,842 43,899 37,942 106,884 126,562 19,678 13,713 1,190 14,904 3,302 1,557 4,859 698,501 688,592 9,908 103,582 128,120 24,
Slide 16: 2023 2024 178,618 255,737 77,119 199,882 356,477 156,594 139,872 183,788 43,915 21,264 100,739 79,474
2023 3 2024 3 178,618 255,737 77,119 199,882 356,477 156,594 139,872 183,788 43,915 21,264 100,739 79,474 2023 3 2024 3 363,199 420,489 57,289 839,429 938,800 99,370 831,176 931,741 100,565 476,229 518,310 42,081 2023 3 2024 3 541,818 676,227 134,409 1,039,995 1,268,761 228,765 498,177 592,533 94,35
Slide 17: % 2023 2024 0.62 0.73 0.10 0.75 0.77 0.01 0.31 0.35 0.04 0.12 0.04
% 2023 3 2024 3 0.62 0.73 0.10 0.75 0.77 0.01 0.31 0.35 0.04 0.12 0.04 0.08 0.31 0.37 0.06 % 2023 3 2024 3 221,093,337 1,039,995 0.62 230,572,104 1,268,761 0.73 0.10 5,697,552 7,207 0.16 5,060,083 8,632 0.22 0.05 140,208,324 1,000,468 0.94 149,578,242 1,154,634 1.02 0.07 63,977,658 24,925 0.05 64,54
Slide 18: % 57,872,310 25.04 69,555,960 28.96 11,683,649 2,010,000 .86 1,350,000 0.56 660,000 9,742,621 4.21 9,274,308
% 2024 3 2024 12 57,872,310 25.04 69,555,960 28.96 11,683,649 2,010,000 0.86 1,350,000 0.56 660,000 9,742,621 4.21 9,274,308 3.86 468,313 6,163,585 2.66 5,703,053 2.37 460,531 1,127,552 0.48 666,408 0.27 461,143 1,210,849 0.52 1,190,676 0.49 20,172 146,459,322 63.38 147,788,671 61.53 1,329,349 43,86
Slide 19: 122,475 496,332 618,807 18,927 21,334 2,407 29,210,352 21,095 20,760,494 1,373,927 8,449,857 452,832 23,312,956 881,501
2024 3 2024 12 122,475 496,332 618,807 2024 3 2024 12 18,927 21,334 2,407 29,210,352 921,095 20,760,494 1,373,927 8,449,857 452,832 23,312,956 881,501 15,770,001 1,300,880 7,542,955 419,378 1,334,299 2,956 929,804 8,097 404,495 5,141 891,924 1,033,671 141,747 3,671,172 36,637 3,027,017 64,949 644,15
Slide 20: 6,163,585 744,794 5,703,053 304,649 460,531 440,145 1,127,552 732,729 666,408 343,885 461,143 388,843 1,210,849 86,482
2024 3 2024 12 6,163,585 744,794 5,703,053 304,649 460,531 440,145 1,127,552 732,729 666,408 343,885 461,143 388,843 1,210,849 86,482 1,190,676 118,027 20,172 31,544 1 2 2024 3 384 2023 378 2024 3 2024 12 8,549,838 67,838 7,884,624 118,969 665,214 51,130 8,803,258 1,892,890 8,592,593 2,122,022 210,6
Slide 21: % 2023 2024 83,019 11.90 78,702 11.44 4,316 67,355 9.65 66,456 9.66 898 15,664
% 2023 3 2024 3 83,019 11.90 78,702 11.44 4,316 67,355 9.65 66,456 9.66 898 15,664 2.24 12,246 1.78 3,417 588,531 84.38 583,296 84.82 5,234 242,372 34.75 233,446 33.95 8,925 182,721 26.19 185,051 26.91 2,330 20,944 3.00 21,065 3.06 121 7,888 1.13 7,814 1.13 74 51,721 7.41 52,706 7.66 985 31,582 4.52
Slide 22: % 6,828,393 100.00 3,594,302 100.00 3,234,090 144,420 2.11 182,595 5.08 38,174 79,832 1.16 83,273
% 2024 3 2024 12 6,828,393 100.00 3,594,302 100.00 3,234,090 144,420 2.11 182,595 5.08 38,174 79,832 1.16 83,273 2.31 3,441 54,001 0.79 53,265 1.48 736 415,182 6.08 391,103 10.88 24,078 121,101 1.77 120,509 3.35 591 72,422 1.06 81,367 2.26 8,944 5,868,195 85.93 2,625,074 73.03 3,243,121 73,236 1.07
Slide 23: % 124,314,467 64.47 127,180,520 66.17 2,866,052 12,694,358 6.58 12,327,442 6.41 366,916 110,801,852 57.46 114,013,546
% 2024 3 2024 12 124,314,467 64.47 127,180,520 66.17 2,866,052 12,694,358 6.58 12,327,442 6.41 366,916 110,801,852 57.46 114,013,546 59.32 3,211,694 818,257 0.42 839,532 0.43 21,275 68,379,585 35.46 64,906,381 33.77 3,473,203 3,581,797 1.85 7,211,575 3.75 3,629,778 64,797,788 33.60 57,694,806 30.01
Slide 24: % 7,032,687 3,795,689 3,236,997 7,032,687 3,795,690 3,236,996 0.00 0.00 0.00
% 2024 3 2024 12 0 0 0 0 0 0 0 0 7,032,687 3,795,689 3,236,997 7,032,687 3,795,690 3,236,996 0.00 0.00 0.00
Slide 25: SPE, RMBS, CLO
SPE 2024 3 2024 12 RMBS 1,188,174 34,502 1,174,809 58,006 354,848 18,913 403,858 28,497 833,326 15,588 770,951 29,508 CLO 325,031 420 340,685 1,384 CMBS CDO 483 7 378 3 1,513,688 34,915 1,515,874 59,387 RMBS 21,302 4,799 14,151 3,194 CLO 2,765,100 649,484 2,476,153 494,741 2,020,261 363,990 2,257,58
Slide 26: BP ps5 48ht7 I
BP ps5 48ht7 I
Japan Post Bank — Earnings Presentation (February 2025) on 6ix