Investor Presentaiton

Status of Credit Risk, etc. Existing Holdings approx. JPY 40tn (Bulk is in fixed bonds.) Yen interest rates risk Profit Profit 1. Summary 2. How to Increase Corporate Value 3. Appendix 4. Financial Data Financial Results Asset Management Σ Business Governance New Investments Impact of investment allocation Repeated from previous page ] The Bank's BS (non-consolidated) Total assets JPY 230tn (as of Sep. 30, 2023) Interest Rates Impact of raising interest rates on deposits If deposit interest rates rise, interest payments will increase (Impact depends on deposit types). However, interest rate spreads would still be secured due to the lag behind the rise in market interest rates. Of these, those impacted approx. JPY 67tn by non-revenue dividends: approx. JPY 22tn Interest Rates Considering shifts from due from banks, etc. in preparation for potential interest rate increases JGBs JPY 40tn Credit risk* * Mainly taking credit risks (Hedged interest rates: approx. 70-80% of foreign securities, Hedged foreign exchange: approx. 90%+% of foreign securities) Foreign currency interest rates risk (Difference in long- and short-term interest rates) Profit Spread Impact of non-revenue dividends Non-revenue dividends are generated in some foreign bond investment trusts. However, return gains are generated upon cancellation or redemption. Of these, those impacted approx. JPY 16tn by non-revenue dividends: approx. JPY 7tn Yield Yield Curve Short-term (Funding Side) میرا Long-term (Investment Side) Profit 2 Spread Non-revenue dividends are generated in the case that credit spreads widen following new investment. Yield Yield Curve Short-term (Funding Side) Long-term (Investment Side) Maturity A decline in short-term interest rates in the future is expected to reduce foreign currency funding costs, which will have a positive impact on earnings. JP JAPAN POST BANK BANK Maturity The impact on profits depends on the difference in long- and short-term interest rates. Due from banks, etc. JPY 63tn Deposits JPY 194tn Foreign securities JPY 85tn Others JPY 41tn Others / Net assets JPY 36tn Copyright© JAPAN POST BANK All Rights Reserved. 40 40

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