Japan Post Bank Co., Ltd. · TSE:7182

Japan Post Bank — H1 FY2020 Earnings Presentation

31 slides from Japan Post Bank's earnings presentation, Nov 14, 2019

  1. Slide 1: BP ps5 a8eiT

    BP ps5 a8eiT 2020 3 2019 11 14

  2. Slide 2: Contents

    P. 2 P.14 P. 4 P.15 P. 5 P.16 P. 6 P.16 P. 7 P.17 P. 8 P.19 P. 9 P.20 P.10 P.22 P.11 P.23 P.12 P.24 P.25 P.26 P.26 P.27 P.28 Copyright © 2019 JAPAN POST BANK CO., LTD. All Rights Reserved.

  3. Slide 3: BP ps6 48817

    BP ps6 48817

  4. Slide 4: Summary of results

    2019  419 6,782 2018 2019 554 9,653 9,098 5.7% 223 472 2,234 2,010 10.0% 124 145 1,592 1,447 9.1% 71 554 9,653 9,099 5.7%  73 5,146 222 2,233 2,011 9.9% 144  1,592 1,448 9.0% 346 1,636 2019  223 2,010 3,750 53.6% 2,700 53.6%  1,447 145  1,448 144 JP 2 2,700 53.6% SDP ATM JP Copyright © 2019 JA

  5. Slide 5: Financial statements summary

    % 2018 2019 2019 3 2019 9 7,202 6,782 419 2,089,704 2,131,229 41,524 5,491 5,018 472 506,985 552,095 45,110 529 654 124 4,000 1,600 2,400 1,181 1,109 71 83,681 99,695 16,014 1,328 1,078 249 39,907 41,977 2,069 175 53 229 1,371,352 1,354,234 17,117 1 5,219 5,146 73 52,974 49,362 3,611 1,976,196 2,014

  6. Slide 6: Net interest income and yields

     2019 5,018 0.48% 2018 2019 1.2% 15,000 13,610 3,705 3,377 327 1.0% 12,235 12,500 4,343 3,782 560 11,756 2,717 2,277 439 10,161 0.8% 10,000 638 405 233 0.66% 0.60% 0.6% 0.57% 7,500 2018 2019 0.49% 0.48% 6,994 6,293 6,180 1,785 1,640 145 0.4% 5,491 5,000 5,018 3,727 3,865 137 3,720 3,855 134 0.2% 2,

  7. Slide 7: Fees and income breakdown

     2019 124 654 2018 2019 10,000 8,910 529 654 124 8,000 7,378 302 399 96 6,000 69 92 22 4,000 4,656 4,227 3,577 111 118 6 2,000 46 44 1 0 2017 2018 2019 2018 2019 26,000 25,534 1,028 1,471 443 24,000 22,859 22,000 4,656 4,227 429 20,192 20,000 18,000 2018 9 2019 9 16,423 16,000 14,000 969 1,168 198

  8. Slide 8: General and administrative expenses

     2019 72 5,136 2018 2019 12,000 10,428 10,353 620 603 17 10,000 510 495 14 8,000 4,222 4,276 54 3,036 1,891 1,145 6,000 5,211 5,208 5,136 1,189 1,189 4,000 298 297 0 2,000 366 256 109 5,208 5,136 72 0 2017 2018 2019 Copyright © 2019 JAPAN POST BANK CO., LTD. All Rights Reserved. 6

  9. Slide 9: Securities and asset composition

     2019 9 54.6 64.8 2019 3 2019 9 % % 1,371,352 66.5 1,354,234 64.5 17,117 10.2 583,565 28.3 546,392 26.0 37,173 4.8% 1 162,791 7.9 159,358 7.5 3,432 624,995 30.3 648,483 30.8 23,487 54.6 220,355 10.6 226,684 10.8 6,329 55.0 26.0% 2 26.2% 404,339 19.6 421,407 20.0 17,067 4.9 209.8 39,907 1.9 41,977 1

  10. Slide 10: Asset yields and balances

     2019 9 3 7,795 2019 3 2019 9 272,425 7,931 244,049 7,572 2019 3 2019 9 1,141,934 35,172 1,155,344 38,798 1,102,419 21,285 1,113,366 23,242 333,406 11,676 327,823 12,946 220,030 6,377 226,684 3,781 404,339 1,849 421,407 5,225 144,642 1,382 137,452 1,289 2,664 4,503 39,514 11,222 41,977 11,052 21,41

  11. Slide 11: Deposits

     2019 9 181.9 2019 3 2019 9 181.9 180.9 180.3 179.4 179.8 79.9 83.7 3.7 180 16.1 7.5 8.6 63.4 75.7 12.3 170 0.4 0.4 0.0 100.9 98.0 2.8 7.0 6.2 0.8 160 93.8 91.7 2.0 0.1 0.1 0.0 180.9 181.9 0.9 0 150 2017 3 2018 3 2019 3 2018 9 2019 9 Copyright © 2019 JAPAN POST BANK CO., LTD. All Rights Reserved. 9

  12. Slide 12: Capital adequacy ratio

     2019 9 15.71% % % 2019 3 2019 9 50 88,442 88,977 535 560,335 566,043 5,707 40 533,340 539,298 5,958 15.78 15.71 0.06 30 26.38 % 22.22 2019 3 2019 9 20 17.42 15.78 15.71 88,533 89,079 546 560,045 565,824 5,778 10 533,051 539,080 6,029 15.80 15.74 0.06 0 2016 3 2017 3 2018 3 2019 3 2019 9 Copyright

  13. Slide 13: Copyright © 2019 JAPAN POST BANK CO., LTD. All Rights Reserved.

    1 25 50 2020 1 60 50 50 50 1 50 40 1 25 25 30 20 25 25 10 0 2018 2019 2018 2019 1,874 1,874 70.4% 69.4% Copyright © 2019 JAPAN POST BANK CO., LTD. All Rights Reserved. 11

  14. Slide 14: Unrealized gains and losses on securities

    2019 3 2019 9 1,168,232 1,167,102 1,129 553,631 592,703 39,071 614,600 574,399 40,201 819,314 842,896 23,582 63,839 61,859 1,980 78,654 77,907 747 601,210 625,785 24,574 22,168 22,645 477 24,155 24,991 836 29,285 29,706 421 1 7 5 2 Copyright © 2019 JAPAN POST BANK CO., LTD. All Rights Reserved. 12

  15. Slide 15: BP ps6 48817

    BP ps6 48817

  16. Slide 16: Balance sheet

    2019 3 2019 9 2019 3 2019 9 50,698,549 55,209,560 4,511,011 180,999,134 181,902,696 903,561 400,000 160,000 240,000 11,569,371 13,832,978 2,263,606 8,368,139 9,969,560 1,601,420 2,473,457 3,052,225 578,767 295,679 270,816 24,863 28,029 25,579 2,450 2 83 80 3,900 7,700 3,800 3,990,780 4,197,774 206,9

  17. Slide 17: Income statement

    2018 2019 2018 2019 720,278 678,294 41,984 370 109 260 549,135 501,840 47,295 347 109 238 52,994 65,490 12,495 22 0 22 118,148 110,963 7,184 223,107 200,985 22,122 132,846 107,860 24,985 60,763 55,417 5,345 17,568 5,370 22,938 3,052 862 2,190 521,976 514,652 7,324 63,815 56,279 7,536 63,158 61,339 1

  18. Slide 18: Profitability indicators

    % 2018 2019 0.15 0.13 0.01 2.78 2.51 0.27 72.46 75.87 3.40 0.57 0.56 0.01 1 2 100 2 2 100 3 100 4 100 5 % 2018 2019 0.71 0.65 0.05 0.71 0.69 0.02 0.17 0.16 0.00 0.00 0.03 0.03 0.53 0.48 0.05 Copyright © 2019 JAPAN POST BANK CO., LTD. All Rights Reserved. 16

  19. Slide 19: Yields and spreads

    % 2018 2019 194,287,761 434,376 0.44 197,309,717 378,281 0.38 0.06 6,540,168 6,259 0.19 5,063,261 5,625 0.22 0.03 78,738,136 321,288 0.81 73,052,033 262,889 0.71 0.09 49,858,459 15,124 0.06 52,923,230 14,522 0.05 0.00 186,503,726 63,836 0.06 189,969,911 40,518 0.04 0.02 180,944,300 47,152 0.05 182,6

  20. Slide 20: Yields and spreads

    % 2018 2019 200,097,163 716,116 0.71 202,377,177 667,413 0.65 0.05 6,545,168 6,269 0.19 5,070,392 5,643 0.22 0.03 135,984,108 693,384 1.01 134,642,604 648,456 0.96 0.05 49,872,483 15,245 0.06 52,925,757 14,552 0.05 0.00 191,590,127 166,981 0.17 194,967,339 165,573 0.16 0.00 180,944,300 47,152 0.05 1

  21. Slide 21: Securities by type

    % 2019 3 2019 9 50,674,248 24.60 55,060,988 26.23 4,386,739 400,000 0.19 160,000 0.07 240,000 8,368,139 4.06 9,969,560 4.74 1,601,420 3,990,780 1.93 4,197,774 1.99 206,994 2,141,784 1.03 2,119,470 1.00 22,314 1,195,685 0.58 1,145,987 0.54 49,697 137,135,264 66.57 135,423,494 64.52 1,711,770 58,356,5

  22. Slide 22: Securities unrealized gains and losses

    2019 3 2019 9 25,015,921 755,550 21,856,947 726,488 3,158,974 29,062 533,474 4,001 801,991 4,633 268,517 631 1,660,749 28,626 1,745,980 26,113 85,231 2,513 32,433 5,014 32,433 5,014 32,433 5,014 32,433 5,014 27,242,577 793,192 24,404,919 757,234 2,837,658 35,958 2019 3 2019 9 96,909 5,124 19,782 66

  23. Slide 23: Securities by type

    2019 3 2019 9 3,951,489 1,122,266 4,197,774 1,105,270 246,284 16,995 2,141,784 1,106,458 2,119,470 1,086,265 22,314 20,193 1,195,685 17,468 1,145,987 21,089 49,697 3,621 1 2 2019 2,649 2018 3,573 2019 3 2019 9 7,839,145 122,376 8,592,833 266,527 753,688 144,150 6,527,044 32,497 7,026,383 166,195 499

  24. Slide 24: Interest income breakdown

    % 2018 2019 62,076 11.91 60,368 11.75 1,707 51,029 9.79 49,591 9.65 1,437 11,046 2.12 10,776 2.09 269 422,213 81.05 427,615 83.24 5,402 303,689 58.30 189,162 36.82 114,527 1 118,933 23.15 118,933 2 809 0.15 255 0.04 554 29,827 5.72 29,743 5.79 83 6,549 1.25 6,033 1.17 516 32,243 6.18 31,367 6.10 875

  25. Slide 25: Loans breakdown

    % 2019 3 2019 9 5,292,424 100.00 4,925,916 100.00 366,507 15,519 0.29 22,427 0.45 6,907 115,517 2.18 108,591 2.20 6,926 37,289 0.70 37,142 0.75 146 930,873 17.58 841,195 17.07 89,678 2,000 0.03 10,500 0.21 8,500 37,695 0.71 37,304 0.75 390 3,997,677 75.53 3,716,101 75.43 281,576 155,851 2.94 152,654

  26. Slide 26: Deposits breakdown

    % 2019 3 2019 9 79,959,377 44.17 83,706,653 46.01 3,747,276 16,143,580 8.91 7,524,089 4.13 8,619,491 63,410,139 35.03 75,714,793 41.62 12,304,653 405,656 0.22 467,771 0.25 62,114 100,927,190 55.76 98,052,225 53.90 2,874,965 7,096,334 3.92 6,276,442 3.45 819,892 93,830,855 51.84 91,775,782 50.45 2,05

  27. Slide 27: Copyright © 2019 JAPAN POST BANK CO., LTD. All Rights Reserved.

    2019 3 2019 9 135,977 137,783 1,806 2 2 44,158 44,418 260 1,385 3,390 2,005 27,525 30,726 3,200 27,051 25,587 1,463 8,569 9,225 655 3,149 3,162 13 24,137 21,269 2,868 1,084,975 1,195,404 110,429 1,077,133 1,188,094 110,961 7,841 7,309 532 948,998 1,057,620 108,622 Copyright © 2019 JAPAN POST BANK CO

  28. Slide 28: Copyright © 2019 JAPAN POST BANK CO., LTD. All Rights Reserved.

    % 2019 3 2019 9 0 0 0 0 5,381,637 5,026,920 354,716 5,381,637 5,026,921 354,716 0.00 0.00 2019 3 2019 9 958 914 44 243 230 12 715 683 32 Copyright © 2019 JAPAN POST BANK CO., LTD. All Rights Reserved. 26

  29. Slide 29: Capital adequacy ratio details

    % 2019 3 2019 9 8,879,601 8,930,603 51,001 35,388 32,822 2,566 8,844,213 8,897,780 53,567 56,033,562 56,604,313 570,751 53,334,010 53,929,859 595,848 8 2,699,551 2,674,453 25,097 8 15.78 15.71 0.06 % 2019 3 2019 9 8,888,716 8,940,821 52,104 35,398 32,831 2,567 8,853,318 8,907,989 54,671 56,004,545 5

  30. Slide 30: AAA AAA AAA

    1,2,3 2019 3 2019 9 13,057 401 AAA 13,213 455 AAA 4 1,655 0 AAA 1,405 0 AAA 12 0 AAA 11 0 AAA 14,725 402 14,629 456 997 116 AAA 764 117 AAA 6 5 11,787 60 AAA 15,241 340 AAA 12,785 177 16,006 457 27,511 225 30,636 1 1 2 3 4 5 6 Copyright © 2019 JAPAN POST BANK CO., LTD. All Rights Reserved. 28

  31. Slide 31: Copyright © 2019 JAPAN POST BANK CO., LTD. All Rights Reserved.

    Copyright © 2019 JAPAN POST BANK CO., LTD. All Rights Reserved.

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