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Investor Presentaiton

Investment Policy (Risk Appetite) 1. Summary 2. How to Increase Corporate Value 3. Appendix 4. Financial Data Financial Results Asset Management Σ Business Governance Strengthening risk tolerance of our portfolio and focusing on risk-return improvement, we conduct portfolio management flexibly while adopting to changes in market environment. Credit Appetite (Domestic) (Overseas) Interest IG XOVER HY CLO Stocks Foreign Exchange Private equity funds funds Real estate Strategic Investment Areas Equities Debts Direct lending funds Infrastructure debt funds 4 x+4 Medium-term investment policy Domestic interest related assets: Portfolio is flexibly restructured in light of BOJ's monetary policy Overseas interest related assets: Take on and/or curb risk according to market conditions (Ref.) Capital Efficiency FY2024/3 (Expected RA Distribution Yield") (No Risk Assets) Focus on investing in IG area while paying attention to improving credit quality Carefully consider investing in HY areas according to market conditions 1-2% Continue to invest, keeping market share in mind Take on and/or curb risk according to market conditions Take on and/or curb risk according to market conditions 6% 2% 5% 1% Continue to invest selectively in high-quality funds, focusing on debt assets Regarding private equity funds, keep the ratio of funds aiming to generate income gains in mind 1% 2% 1% Hedge funds Continue initiatives to cancel all contracts * Distribution yield on risk assets. Expected RA Distribution yield is presented on a management accounting basis and represents the expected dividends, inclusive of non-revenue dividends, received from new investments in the relevant category (expected earnings yield in strategic investment areas) divided by risk assets represented by such category. JP JAPAN POST BANK BANK Copyright© JAPAN POST BANK All Rights Reserved. 37
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