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Investor Presentaiton

Restructuring of the Yen Interest-rate Portfolio 1. Summary 2. How to Increase Corporate Value 3. Appendix 4. Financial Data (3) Scope and Feasibility of Expanding JGB holdings While the Bank of Japan's holdings of JGBs have increased due to its unprecedented monetary easing, JGB holdings by Japan Post Bank and other banks have decreased. - There is significant capacity for expansion in our JGB holdings due to the BOJ's monetary policy tweaks. Balance of JGB Holdings by Business Type* (trillion yen) 600 BOJ (Ref.) JGB Issuance Plan for FY2024/3 (trillion yen) FY2024/3 (Initial) VS 500 per time times total FY2023/3(2nd Supplementary Budget) 400 40-Year 0.7 х 6 4.2 30-Year 0.9 ✗ 12 10.8 300 Insurance 20-Year 1.2 × 12 14.4 200 Foreigners To Reverse & Expand 10-Year 2.7 ☑ 12 32.4 5-Year 2.5 100 2-Year 2.9 x х 12 30.0 12 34.8 0.9 Banks (exc. JPB) JPB 0 End End End End End End End End Mar. Mar. Mar. Mar. Mar. Mar. Mar. Mar. TBs 10-Year Inflation-Indexed 50.7 (13.9) 0.25 X 4 1.0 0.2 09 11 13 15 17 19 21 23 BOJ's 8% 8% 13% 26% 39% 43% 44% 47% Liquidity Enhancement 12.0 share JPB's 19% 16% 14% 10% 6% 5% 4% 3% Auction Total 190.3 (12.8) share Source: Compiled by Japan Post Bank based on Bank of Japan "Flow of Funds Accounts" Source: "Market Issuance Plan by Issue" - Ministry of Finance Japan * Total of JGBS, FILP bonds and treasury discount bills. In addition to the above business types, Public pension, Securities firms, and others also have JGB holdings. Percentage of market share is based on the total that includes holdings by these business types. JP JAPAN POST BANK BANK Copyright© JAPAN POST BANK All Rights Reserved. 12
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