Japan Post Bank Co., Ltd. · TSE:7182
Japan Post Bank — H1 FY2025 Earnings Presentation
32 slides from Japan Post Bank's earnings presentation, Nov 14, 2025
Slide 1: BP p55 c8hiT
2026 3 2025 11 14 BP p55 c8hiT
Slide 2: P. 2 P.14 P. 3
P. 2 P.14 P. 3 P.15 P. 4 P.16 P. 5 P.17 P. 6 P.18 P. 7 P.20 P. 8 P.21 P. 9 P.23 P.10 P.24 P.25 P.26 P.27 P.12 P.27 P.28 P.29 JP 13 ATM JP
Slide 3: BP ps5 48ht7 [
BP ps5 48ht7 [
Slide 4: Income summary, ROE and OHR
2,403 175 51.1% 2024 2025 1 5,284 6,189 905 1,144 2 4,526 5,670 1,144 53 3 787 840 53 292 4 29 321 292 114 5 38 324 286 6 8 0 8 7 4,643 4,757 114 462 8 0 1 1 9 641 1,430 788 326 6,800 52.0% 10 2,573 2,110 462 11 3,214 3,540 326 4,700 51.1% 12 2,228 2,403 175 66 % 2021 2025 ROE 2 100 13 R
Slide 5: 2025 1,109 5,635 0.48% 2024 2025 1.2% 11,475 12,000 4,526 5,635 1,109
2025 1,109 5,635 0.48% 2024 2025 1.2% 11,475 12,000 4,526 5,635 1,109 8,211 10,244 2,032 1.0% 9,568 10,000 1,154 1,677 523 6,198 6,315 116 7,851 3,685 4,609 923 0.8% 8,000 7,155 2 0.6% 6,000 4,000 3,294 3,292 0.52% 1 0.48% 3,000 1,465 2,164 1,506 1,800 2,000 1,534 0.40% 859 0.4% 0.34% 4,000 1,01
Slide 6: ATM KPI KPI
2025 52 833 ATM 2024 2025 1,515 1,548 1,500 1,463 127 138 780 833 52 104 118 122 130 449 501 51 328 373 381 1,000 833 ATM 193 192 1 780 74 72 64 64 64 0 64 192 193 72 74 1 500 911 892 898 449 501 0 2022 2023 2024 2024 2025 2024 2025 5,228 5,863 635 KPI KPI 1,600 94 2,936 2,655 281 1,507 1,500 1,35
Slide 7: 2025 4,742 2024 2025 12,000 10,000 3,894 4,039 144 9,248 9,115 1,577 1,542
2025 119 4,742 2024 2025 12,000 528 529 1 445 442 3 10,000 3,894 4,039 144 9,248 9,115 1,577 1,542 34 8,000 1,233 1,315 81 140 138 1 6,000 223 255 32 73 92 19 4,656 4,623 4,742 4,000 201 174 26 4,623 4,742 119 2,000 2025 2025 0 2020 2020 2023 2024 2025 279 690
Slide 8: 2025 232.8 2025 188.4 125.4 62.8 232.8 2025 192.8 190.4 191.3 188.4 144.2 150
2025 9 232.8 2025 9 188.4 125.4 62.8 232.8 2025 9 200 192.8 190.4 191.3 188.4 144.2 150 124.3 40.5 188.4 125.9 125.1 125.4 87.8 100 88.6 50 35.1 68.3 64.3 66.0 62.8 63.0 5.7 4.5 9.2 0 2024 3 2025 3 2024 9 2025 9
Slide 9: 2025 40.5 87.8 % % 229.6 226.3 231.0 230.2 229.9 1,435,653 62.3 1,442,671
2025 9 40.5 87.8 250 2025 3 2025 9 % % 229.6 226.3 231.0 230.2 229.9 1 1,435,653 62.3 1,442,671 62.7 7,017 13.2 13.7 12.9 12.1 13.1 2 403,426 17.5 405,590 17.6 2,163 200 1 57.8 3 157,963 6.8 158,399 6.8 436 66.6 64.8 63.2 68.2 4 874,263 37.9 878,681 38.2 4,417 6.8 150 4.4 6.1 3.1 4.5 5 278,237 12.
Slide 10: 2025 7,402 3,476 1,046,033 5,534 1,013,147 9,846 4,312 2 988,813 18,643 955,851 22,781
2025 9 7,402 3,476 2025 3 2025 9 1 1,046,033 5,534 1,013,147 9,846 4,312 2 988,813 18,643 955,851 22,781 4,137 3 153,052 17,051 123,231 19,117 2,065 4 191,038 24,835 188,361 26,796 1,960 5 594,373 11,948 597,119 16,211 4,262 6 50,349 1,088 47,139 1,108 20 7 15,488 15,019 468 8 57,219 2,379 57,295
Slide 11: Capital ratios
2025 9 15.67% Tier1 12.43% % % 30 2025 3 2025 9 93,738 95,687 1,948 621,310 610,263 11,047 558,175 541,691 16,483 20 15.08 15.67 0.59 15.56 15.53 15.08 15.67 15.01 % 10 10% 2025 3 2025 9 2021 2025 11.77 12.43 0.66 4% 11.77 12.43 0.66 0 2022 3 2023 3 2024 3 2025 3 2025 9
Slide 12: KPI KPI
120 KPI 16 114 107.4 107.9 108.2 KPI 13.7 14 99.4 14 13.3 100 94.9 12.1 13.3 13.7 12.1 1.1 10.1 1.5 0.8 0.9 1.1 6.4 2.6 2.6 2.5 12 2.8 2.3 1.0 2.6 2.6 80 10.1 10 4.6 4.8 0.8 4.3 60 8 3.5 78.0 77.9 78.0 6.4 69.8 71.3 6 0.6 40 2.6 4 7.6 7.5 6.7 20 5.6 1.1 1.2 1.1 2 1.0 3.2 7.4 7.3 7.4 7.4 7.4 5.5 5.6
Slide 13: BP ps5 48ht7 [
BP ps5 48ht7 [
Slide 14: BP ps5 48ht7 I
BP ps5 48ht7 I
Slide 15: BP ps5 48ht7 [
BP ps5 48ht7 [
Slide 16: 64,607,384 63,044,336 1,563,048 190,465,032 188,443,712 2,021,319 2,135,000 1,445,000 690,000 26,985,038 27,280,858 2…
2025 3 2025 9 2025 3 2025 9 64,607,384 63,044,336 1,563,048 190,465,032 188,443,712 2,021,319 2,135,000 1,445,000 690,000 26,985,038 27,280,858 295,819 8,463,537 8,678,919 215,381 2,004,678 2,534,640 529,961 593,739 534,202 59,536 2,510,100 2,696,400 186,300 224 198 25 924 1,113 189 5,721,973 5,729,
Slide 17: 2024 2025 2024 2025 527,840 611,108 83,268 452,646 563,556 110,910 287 39 248 78,098
2024 2025 2024 2025 527,840 611,108 83,268 289 101 187 452,646 563,556 110,910 287 39 248 78,098 83,310 5,212 1 62 60 2,904 35,758 32,854 317,623 341,550 23,926 3,860 36,102 32,241 94,300 103,171 8,870 872 66 806 577 1,905 1,328 463,016 474,197 11,180 93,723 101,265 7,542 53,457 52,863 593 223,899 2
Slide 18: 2024 2025 160,444 256,280 95,835 206,570 458,734 252,164 ,405 167,720 52,315 46,125 202,454 156,328
2024 2025 160,444 256,280 95,835 206,570 458,734 252,164 115,405 167,720 52,315 46,125 202,454 156,328 2024 2025 292,201 307,276 15,074 624,835 634,391 9,556 619,851 631,537 11,685 332,634 327,115 5,518 2024 2025 452,646 563,556 110,910 821,189 1,024,475 203,286 368,542 460,918 92,375 1 2 2025 68,65
Slide 19: % 2024 2025 0.71 0.91 0.20 0.75 0.87 0.11 0.33 0.43 0.09 0.04 0.04
% 2024 2025 0.71 0.91 0.20 0.75 0.87 0.11 0.33 0.43 0.09 0.04 0.04 0.08 0.37 0.48 0.10
Slide 20: % 2024 2025 219,253,466 206,570 0.18 216,094,998 458,734 0.42 0.23 5,587,486 5,418 0.19 3,966,296
% 2024 2025 219,253,466 206,570 0.18 216,094,998 458,734 0.42 0.23 5,587,486 5,418 0.19 3,966,296 10,957 0.55 0.35 63,105,462 139,622 0.44 58,932,135 204,977 0.69 0.25 62,214,508 47,762 0.15 63,277,928 154,464 0.48 0.33 213,654,028 46,125 0.04 209,668,076 202,454 0.19 0.14 192,556,226 24,933 0.02 19
Slide 21: % 2024 2025 229,056,429 821,189 0.71 223,115,751 1,024,475 .91 0.20 5,607,464 5,488 0.19 3,978,717
% 2024 2025 229,056,429 821,189 0.71 223,115,751 1,024,475 0.91 0.20 5,607,464 5,488 0.19 3,978,717 11,033 0.55 0.35 149,830,097 759,473 1.01 145,395,880 836,514 1.14 0.13 62,214,508 47,762 0.15 63,277,928 154,464 0.48 0.33 218,793,908 368,542 0.33 213,531,134 460,918 0.43 0.09 192,556,226 24,933 0.
Slide 22: % 64,888,087 28.18 63,264,667 27.51 1,623,419 2,135,000 0.92 1,445,000 0.62 690,000 8,463,537 3.67 8,678,919
% 2025 3 2025 9 64,888,087 28.18 63,264,667 27.51 1,623,419 2,135,000 0.92 1,445,000 0.62 690,000 8,463,537 3.67 8,678,919 3.77 215,381 5,721,973 2.48 5,729,516 2.49 7,542 616,571 0.26 651,271 0.28 34,699 1,130,995 0.49 1,117,032 0.48 13,963 143,565,339 62.35 144,267,133 62.74 701,793 40,342,652 17.
Slide 23: 1,087,901 740,204 347,697 28,133 46,861 1,340 18,728 1,750 19,655,611 1,807,915 16,396,191 2,015,545 3,259,419 207,630
2025 3 2025 9 1,087,901 740,204 347,697 2025 3 2025 9 28,133 410 46,861 1,340 18,728 1,750 19,655,611 1,807,915 16,396,191 2,015,545 3,259,419 207,630 15,305,265 1,705,122 12,323,104 1,911,717 2,982,160 206,594 835,418 10,992 725,552 8,530 109,866 2,461 678,731 817,521 138,789 2,836,196 91,800 2,530
Slide 24: 5,721,973 237,910 5,729,516 208,525 7,542 29,385 616,571 01,255 651,271 285,850 34,699 15,405 1,130,995 154,832
2025 3 2025 9 5,721,973 237,910 5,729,516 208,525 7,542 29,385 616,571 301,255 651,271 285,850 34,699 15,405 1,130,995 154,832 1,117,032 163,044 13,963 8,212 1 2 2025 220 2024 1,879 2025 3 2025 9 7,394,035 73,424 7,541,390 117,500 147,355 44,075 8,550,039 1,714,752 8,174,751 1,842,390 375,288 127,63
Slide 25: % 2024 2025 52,804 11.42 52,935 11.16 44,598 9.64 44,291 9.33 307 8,205 1.77
% 2024 2025 52,804 11.42 52,935 11.16 131 44,598 9.64 44,291 9.33 307 8,205 1.77 8,644 1.82 438 389,426 84.22 403,900 85.16 14,474 157,762 34.12 154,286 32.53 3,475 123,367 26.68 131,539 27.73 8,171 14,043 3.03 13,882 2.92 161 5,207 1.12 5,187 1.09 20 34,846 7.53 36,679 7.73 1,833 22,329 4.82 25,540
Slide 26: % 3,114,595 100.00 4,516,267 100.00 1,401,672 194,802 6.25 191,050 4.23 3,751 105,883 3.39 175,350
% 2025 3 2025 9 3,114,595 100.00 4,516,267 100.00 1,401,672 194,802 6.25 191,050 4.23 3,751 105,883 3.39 175,350 3.88 69,467 50,253 1.61 50,239 1.11 14 407,428 13.08 235,760 5.22 171,668 124,659 4.00 124,840 2.76 181 81,104 2.60 108,756 2.40 27,651 2,085,290 66.95 3,568,063 79.00 1,482,772 65,172 2.
Slide 27: % 125,998,730 66.15 125,492,905 66.59 505,824 12,166,082 .38 11,935,495 6.33 230,587 112,991,897 59.32 112,729,770
% 2025 3 2025 9 125,998,730 66.15 125,492,905 66.59 505,824 12,166,082 6.38 11,935,495 6.33 230,587 112,991,897 59.32 112,729,770 59.82 262,126 840,749 0.44 827,640 0.43 13,109 64,323,902 33.77 62,816,413 33.33 1,507,488 8,601,820 4.51 9,713,880 5.15 1,112,060 55,722,082 29.25 53,102,532 28.17 2,619
Slide 28: 621,129 651,109 29,979 39,676 40,025 5,339 5,566 227 513,210 541,041 27,831 13,367 13,085 282
2025 3 2025 9 621,129 651,109 29,979 220 258 38 39,676 40,025 348 5,339 5,566 227 513,210 541,041 27,831 13,367 13,085 282 7,564 10,064 2,499 1,137 894 242 40,612 40,172 440 180,148 314,323 134,174 176,626 310,558 133,931 3,522 3,764 242 440,981 336,786 104,195
Slide 29: % 3,268,578 4,700,893 1,432,315 3,268,578 4,700,893 1,432,315 0.00 0.00 0.00 1,043 1,167 124 266
% 2025 3 2025 9 0 0 0 0 0 0 0 0 0 3,268,578 4,700,893 1,432,315 3,268,578 4,700,893 1,432,315 0.00 0.00 0.00 2025 3 2025 9 1,043 1,167 124 266 406 140 777 760 16
Slide 30: % 9,562,239 9,767,556 205,316 195,644 209,213 13,568 9,366,594 9,558,343 191,748 62,044,057 60,923,492 1,120,564 55,8…
% 2025 3 2025 9 9,562,239 9,767,556 205,316 195,644 209,213 13,568 9,366,594 9,558,343 191,748 62,044,057 60,923,492 1,120,564 55,801,089 54,153,604 1,647,484 8% 3,932,300 4,429,271 496,971 2,310,667 2,340,616 29,948 8% 15.09 15.68 0.59 % 2025 3 2025 9 9,567,676 9,773,031 205,355 193,815 204,306 10,
Slide 31: SPE, RMBS, CLO
SPE 2025 3 2025 9 RMBS 1,191,240 82,508 1,219,717 105,514 438,529 39,731 480,995 53,347 752,711 42,776 738,722 52,167 CLO 417,788 2,192 358,855 2,042 CMBS CDO 333 2 289 1 1,609,363 84,698 1,578,862 107,555 RMBS 13,225 2,206 5,772 1,842 CLO 2,119,232 229,420 1,933,179 136,430 1,963,793 170,751 1,846,
Slide 32: BP ps5 48ht7 [
BP ps5 48ht7 [