Japan Post Bank Co., Ltd. · TSE:7182

Japan Post Bank — Earnings Presentation (February 2022)

20 slides from Japan Post Bank's earnings presentation, Feb 14, 2022

  1. Slide 1: BP p55 c8hiT

    2022 3 2022 2 14 BP p55 c8hiT

  2. Slide 2: P. 2 P.13 P. 3

    P. 2 P.13 P. 3 P.14 P. 4 P.15 P. 5 P.15 P. 6 P.16 P. 7 P.17 P. 8 P. 9 P.10 P.11 JP 2 ATM JP

  3. Slide 3: BP ps5 48ht7 [

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  4. Slide 4: Income summary, ROE and OHR

     2,876 612 27.0% 2020 2021 3 3 1 10,416 10,525 108  108 2 7,034 9,123 2,088 3 977 960 17 2,088 17 4 2,404 441 1,962 1,962 5 2,261 864 1,397 6 143 425 569  106 7 7,591 7,485 106 8 0 0  9 2,824 3,039 215 806 4,850 81.3% 10 314 905 591 11 3,139 3,945 806  3,500 82.1% 12 2,263 2,876 612 2021 2025 %

  5. Slide 5: Net interest income and gross profit

     2021 3 2,087 9,120 0.55%  1.2% 11,756 12,000 2020 2021 3 3 10,161 3,685 3,216 468 1.0% 9,768 9,618 10,000 4,177 3,566 610 2,826 2,340 485 9,128 1 -3 9,120 491 350 141 0.8% 8,000 7,959 7,526 2020 2021 7,032 3 3 0.6% 0.57% 0.55% 6,000 3,347 5,904 2,556 0.49% 0.47% 0.45% 5,341 7,828 2,487 0.4% 4,000

  6. Slide 6: Fee and commission income, ATM, NISA

     2021 3 25 952 2020 2021 3 3 ATM 977 952 25 635 636 0 1,400 1,288 1,279 ATM 152 155 2 85 97 1,200 111 105 6 1,067 217 146 76 55 21 1,000 87 977 952 201 76 55 222 190 2020 2021 111 105 800 3 3 145 152 155 2,653 3,216 563 600 2,120 1,452 668 1,216 1,225 8 400 794 834 25,010 26,351 1,341 612 635 636 2

  7. Slide 7: Expenses

     2021 3 113 7,456 4 -12 1 -3 12,000 2020 2021 3 3 10,183 10,080 10,000 875 859 15 718 705 13 8,000 6,277 6,167 110 7,677 7,569 7,456 6,000 2,792 2,694 98 1,780 1,777 2 4,000 430 415 15 2,000 416 429 12 7,569 7,456 113 0 2019 2020 2021

  8. Slide 8: Balance sheet

     6 2,823 230 1,299  2 6,461 140 8,294  1,592 1 9,580 2021 3 2021 12 2,238,475 2,301,299 62,823 607,680 594,034 13,646 13,900 25,550 11,650 97,213 115,799 18,585 55,475 57,343 1,867 1,381,832 1,408,294 26,461 46,917 46,564 352 2,124,854 2,188,274 63,420 1,895,934 1,939,198 43,263 148,864 161,551 1

  9. Slide 9: Deposits and assets

     2021 12 193.9 200 193.9 189.5 189.7 180.9 183.0 2021 3 2021 12 101.3 110.7 9.4 150 9.1 10.3 1.2 79.9 87.5 101.3 99.5 110.7 91.5 99.7 8.1 0.6 0.6 0.0 100 88.1 83.0 5.1 4.7 4.4 0.2 50 100.9 95.2 83.4 78.6 4.8 88.1 90.0 83.0 0.1 0.0 0.0 189.5 193.9 4.3 0 2019 3 2020 3 2021 3 2020 12 2021 12

  10. Slide 10: Securities portfolio composition

     2021 12 49.3 73.7 2021 3 2021 12 % % 16.4 1,381,832 62.6 1,408,294 62.0 26,461 7.2% 504,934 22.8 493,470 21.7 11,464 1 165,225 7.4 177,431 7.8 12,206 49.3 711,672 32.2 737,392 32.4 25,719 21.7% 59.3 235,051 10.6 242,139 10.6 7,087 26.1% 2 475,911 21.5 494,382 21.7 18,470 4.6 227.0 2.0% 55,475 2.5

  11. Slide 11: Asset yields by category

     2021 12 2 8,187 2,300 2021 3 2021 12 251,780 2,381 238,656 1,350 1,030 2021 3 2021 12 1,189,405 35,868 1,230,735 35,540 327 1,133,929 24,072 1,173,391 26,455 2,383 299,170 5,427 329,757 5,049 378 235,051 10,313 227,517 13,042 2,728 475,911 7,762 494,382 7,869 107 123,795 568 121,734 493 74 1,735 3

  12. Slide 12: Capital ratio Tier 1

     2021 12 15.83% Tier1 17.68% % % 30 2021 3 2021 12 90,383 93,237 2,854 581,668 588,708 7,039 556,148 562,843 6,695 20 17.43 15.53 15.83 0.29 15.80 15.58 15.53 15.83 % 10 2021 3 2021 12 17.73 17.68 0.04 14.09 14.40 0.30 0 2018 3 2019 3 2020 3 2021 3 2021 12

  13. Slide 13: 1,209,543 1,240,369 30,825 669,423 714,518 45,094 540,120 525,851 14,269 911,207 943,068 31,860 54,938 56,324

    2021 3 2021 12 1,209,543 1,240,369 30,825 669,423 714,518 45,094 540,120 525,851 14,269 911,207 943,068 31,860 54,938 56,324 1,386 75,342 75,660 318 682,131 697,325 15,194 26,373 27,752 1,378 29,768 25,158 4,609 42,652 60,845 18,192 1 2

  14. Slide 14: BP ps5 48ht7 [

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  15. Slide 15: 60,768,034 59,403,405 1,364,629 189,593,469 193,919,819 4,326,350 1,390,000 2,555,000 1,165,000 14,886,481 16,155,173…

    2021 3 2021 12 2021 3 2021 12 60,768,034 59,403,405 1,364,629 189,593,469 193,919,819 4,326,350 1,390,000 2,555,000 1,165,000 14,886,481 16,155,173 1,268,691 9,721,360 11,579,916 1,858,555 1,504,543 1,514,242 9,698 1,768,099 1,768,099 3,917,500 4,738,900 821,400 362,212 358,260 3,952 514 495 19 13 7

  16. Slide 16: Income statement data

    2020 2021 2020 2021 3 3 3 3 1,041,456 1,051,312 9,856 390 5,858 6,248 703,291 912,087 208,795 390 5,870 6,261 97,758 95,224 2,534 12 12 240,406 44,001 196,404 313,130 400,292 87,162 226,198 86,301 139,897 97,923 93,715 4,208 14,386 42,561 56,947 10,590 19,481 30,072 758,476 746,990 11,485 87,333 113

  17. Slide 17: Yields and interest rates

    % 2020 3 2021 3 0.55 0.65 0.10 0.61 0.57 0.03 0.11 0.10 0.01 0.05 0.08 0.13 0.44 0.55 0.11 % 2020 3 2021 3 209,562,986 880,665 0.55 216,432,120 1,073,064 0.65 0.10 6,344,568 7,631 0.15 4,656,269 7,752 0.22 0.06 137,456,056 852,397 0.82 139,679,351 1,045,200 0.99 0.17 55,431,058 22,882 0.05 60,374,19

  18. Slide 18: Expense breakdown

    % 2020 3 2021 3 87,504 11.56 85,955 11.52 1,548 71,892 9.49 70,507 9.45 1,385 15,611 2.06 15,448 2.07 163 627,766 82.93 616,724 82.71 11,041 279,225 36.88 269,400 36.13 9,825 178,079 23.52 177,780 23.84 299 43,077 5.69 41,536 5.57 1,540 8,680 1.14 8,215 1.10 465 49,393 6.52 48,836 6.54 557 25,949 3.

  19. Slide 19: Securitized products holdings

    SPE 2021 3 2021 12 RMBS 1,354,370 19,045 AAA 1,316,478 17,849 AAA 282,293 1,561 AAA 324,592 104 AAA 1,072,076 20,606 AAA 991,886 17,744 AAA CLO 225,448 33 AAA 213,546 40 AAA CMBS CDO 870 28 AAA 767 22 AAA 1,580,689 19,106 1,530,792 17,831 RMBS 54,999 3,897 AAA 41,254 2,212 AAA CLO 2,036,348 36,013 A

  20. Slide 20: BP ps5 48ht7 I

    BP ps5 48ht7 I

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