Japan Post Bank Co., Ltd. · TSE:7182

Japan Post Bank — Q3 FY2022 Earnings Presentation

20 slides from Japan Post Bank's earnings presentation, Feb 14, 2023

  1. Slide 1: BP p55 c8hiT

    2023 3 2023 2 14 BP p55 c8hiT

  2. Slide 2: P. 2 P.12 P. 3

    P. 2 P.12 P. 3 P.13 P. 4 P.14 P. 5 P.14 P. 6 P.15 P. 7 P.16 P. 8 P.17 P. 9 P.10 JP 6 ATM JP

  3. Slide 3: BP ps5 48ht7 [

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  4. Slide 4: Income summary, ROE and OHR

     2,474 401 2022 77.3% 2021 2022 3 3  1 10,525 8,732 1,792 2,989 2 9,123 6,134 2,989 181 3 960 1,142 181 1,015 4 441 1,456 1,015  5 864 2,327 1,463 521 6 425 872 447  7 7,485 6,963 521 768 8 0 0 0  9 3,039 1,768 1,270 502 4,450 77.3% 10 905 1,674 768  11 3,945 3,443 502 3,200 77.3% 12 2,876 2,4

  5. Slide 5: Net interest income and margins

     2022 3 3,101 6,019 0.35%  1.2% 11,475 12,000 2021 2022 3 3 3,216 3,383 166 10,161 9,768 9,618 3,566 3,680 113 1.0% 10,000 2,340 1,864 475 9,120 350 297 52 1 -3 0.8% 8,000 7,959 2021 2022 7,526 3 3 7,032 0.6% 6,000 5,904 2,635 3,268 0.52% 6,019 0.49% 7,828 6,666 1,162 0.47% 0.45% 7,826 6,608 1,217

  6. Slide 6: ATM, NISA and KPIs

     2022 3 180 1,132 2021 2022 ATM 3 3 952 1,132 180 1,400 636 711 74 1,288 1,279 1,274 85 ATM 155 250 95 97 72 1,200 1,132 1 105 90 14 146 136 217 80 55 80 25 1,000 952 90 201 227 55 190 2021 2022 105 250 800 3 3 155 3,216 4,141 924 600 1,452 1,792 339 1,225 1,282 56 400 794 834 837 26,351 23,643 2,7

  7. Slide 7: Fees and other income

     2022 3 521 6,934 4 -12 1 -3 12,000 2021 2022 3 3 10,080 9,790 859 839 19 10,000 705 685 19 8,000 6,167 5,826 340 7,569 7,456 6,934 6,000 2,694 2,596 97 1,777 1,730 47 4,000 415 206 209 2,000 429 268 160 7,456 6,934 521 0 2020 2021 2022

  8. Slide 8: Deposits and assets

     6.1 226.7  7.3 132.2  1.8 195.2 226.7 2022 12 193.4 193.9 195.2 200 189.5 132.2 150 101.3 112.2 110.7 118.4 37.0 195.2 77.9 100 50 88.1 83.0 94.5 81.0 76.7 22.3 6.6 5.3 0 9.1 2021 3 2022 3 2021 12 2022 12

  9. Slide 9: Securities portfolio

     2022 12 37.0 77.9 250 2022 3 2022 12 % % 229.6 220.5 223.2 1,395,491 60.7 1,322,425 59.2 73,065 207.5 13.2 205.9 11.5 13.0 492,597 21.4 370,226 16.5 122,371 200 8.8 11.3 1 161,543 7.0 173,058 7.7 11,515 66.6 60.6 66.0 50.6 51.4 741,350 32.2 779,140 34.9 37,790 150 4.6 4.4 245,096 10.6 248,971 11.1

  10. Slide 10: Securities valuation gains and losses

     2022 12 4,006 1 6,236 2022 3 2022 12 1,227,204 20,021 1,163,525 3,866 16,154 1,168,921 16,730 1,097,359 4,174 12,556 342,855 857 251,229 8,349 9,206 227,011 14,842 217,658 11,105 3,736 495,344 823 529,048 1,964 1,140 103,709 207 99,423 545 753 8,529 12,615 4,086 58,282 11,819 66,165 12,308 488 20,

  11. Slide 11: Tier 1 capital ratio

     2022 12 15.46% Tier1 13.16% % % 30 2022 3 2022 12 91,993 94,306 2,313 591,060 609,626 18,565 565,455 584,759 19,303 20 15.56 15.46 0.09 15.80 15.58 15.53 15.56 15.46 % 10 10% 2022 3 2022 12 2021 2025 15.68 13.16 2.51 4% 14.23 13.16 1.06 0 2019 3 2020 3 2021 3 2022 3 2022 12

  12. Slide 12: KPI progress

    KPI 120 KPI 9.9 10 10 110 0.8 99.4 100 94.9 91.1 9.9 8 84.8 4.2 6.4 81.9 2.8 2.5 2.9 2.6 2.7 3.6 3.3 2.6 80 2.9 2.2 6.4 2.4 2.2 2.2 6 0.6 60 4.2 2.6 68.2 69.8 71.0 4 60.1 63.4 0.4 3.3 40 2.9 0.4 1.5 5.4 1.0 1.0 2 1.0 20 3.2 0.6 2.2 7.8 7.5 7.5 7.4 7.3 1.7 1.2 6.3 5.9 5.4 5.5 5.7 0 0 2019 2020 2021 2

  13. Slide 13: BP ps5 48ht7 [

    BP ps5 48ht7 [

  14. Slide 14: Balance sheet

    2022 3 2022 12 2022 3 2022 12 66,664,253 65,969,702 694,551 193,441,929 195,254,844 1,812,915 2,470,000 1,970,000 500,000 19,461,646 16,563,589 2,898,056 9,861,753 9,359,055 502,697 1,514,438 2,033,805 519,367 880,728 880,728 5,603,600 226,300 5,377,300 397,301 418,081 20,780 697 918 221 11 11 2,124

  15. Slide 15: Income statement

    2021 2022 2021 2022 3 3 3 3 1,051,312 859,839 191,473 5,858 94 5,952 912,087 601,900 310,187 5,870 93 5,964 95,224 113,277 18,052 12 0 11 44,001 144,661 100,660 400,292 329,711 70,581 86,301 231,778 145,477 93,715 114,033 20,318 42,561 87,290 44,729 19,481 24,326 43,808 746,990 694,711 52,278 113,19

  16. Slide 16: Yields and interest rates

    % 2021 3 2022 3 0.65 0.54 0.11 0.57 0.62 0.05 0.10 0.19 0.08 0.08 0.08 0.16 0.55 0.35 0.20 % 2021 3 2022 3 216,432,120 1,073,064 0.65 220,245,159 906,262 0.54 0.11 4,656,269 7,752 0.22 5,119,177 7,399 0.19 0.02 139,679,351 1,045,200 0.99 141,361,082 874,473 0.82 0.17 60,374,194 22,728 0.04 62,575,53

  17. Slide 17: Expenses breakdown

    % 2021 3 2022 3 85,955 11.52 83,968 12.10 1,987 70,507 9.45 68,509 9.87 1,998 15,448 2.07 15,459 2.22 11 616,724 82.71 582,676 84.02 34,047 269,400 36.13 259,623 37.43 9,776 177,780 23.84 173,033 24.95 4,747 41,536 5.57 20,636 2.97 20,900 8,215 1.10 8,126 1.17 88 48,836 6.54 49,369 7.11 532 28,047 3

  18. Slide 18: Deposits breakdown

    % 2022 3 2022 12 112,254,409 58.03 118,461,773 60.67 6,207,364 10,749,849 5.55 11,496,329 5.88 746,480 100,805,356 52.11 106,214,556 54.39 5,409,199 699,203 0.36 750,887 0.38 51,683 81,022,589 41.88 76,702,385 39.28 4,320,203 4,352,435 2.24 3,582,443 1.83 769,992 76,670,153 39.63 73,119,942 37.44 3,

  19. Slide 19: Structured securities holdings

    SPE 2022 3 2022 12 RMBS 1,317,081 4,358 1,268,020 25,076 331,835 4,374 332,672 15,168 985,245 8,733 935,347 9,907 CLO 236,597 156 236,333 607 CMBS CDO 735 19 591 11 1,554,414 4,220 1,504,945 25,672 RMBS 38,004 5,782 29,658 3,301 CLO 1,602,388 168,008 2,221,667 266,245 681,912 62,584 1,301,751 88,828

  20. Slide 20: BP ps5 48ht7 I

    BP ps5 48ht7 I

Japan Post Bank — Q3 FY2022 Earnings Presentation on 6ix