Investor Presentaiton

Current Status Regarding Privatization (2) Overview of Regulations Surrounding the Bank 1. Summary Financial Results 2. How to Increase Corporate Value 3. Appendix 4. Financial Data Asset Management Σ Business Governance Universal Service Obligation Related to Banking Service (Imposed on Japan Post Holdings and Japan Post) Share Disposal (Japan Post Holdings → the Bank) Regulations on the Bank Regulations under the Banking Act Additional Regulations*1 Restrictions on the Maximum Amount of Deposit Restrictions on Scope of Business Summary of Regulations Obligation to provide basic banking services (acceptances and withdrawals of ordinary, TEIGAKU and time deposits, and remittance, etc.) through the post office network Japan Post has Bank Counter Services Agreement with the Bank Japan Post Holdings must aim to dispose of all of their shares within the earliest possible timeframe while considering the management situation of the Bank, and the impact on the fulfillment of obligations to provide universal services Same regulation is imposed as a "Bank" under the Banking Act Maximum amount of deposits (ordinary deposits: JPY 13mn/fixed-term deposits: JPY 13mn) are stipulated by the enforcement order of the Privatization Act Current After Japan Post Holdings disposes of 50% or more (Voting rights basis) After Japan Post Holdings disposes of all shares Permission from the Commissioner of the Financial Services Agency (of Japan)*2 and the Minister for Internal Affairs and Communications required ( + Consultation with the Postal Privatization Committee + Supervision) Notification to the Commissioner of the Financial Services Agency (of Japan)*2 and the Minister for Internal Affairs and Communications ( + Obligation to care for fair competition + Notice to Postal Privatization Committee + Supervision) Same regulation is imposed as a "Bank" under the Banking Act *1 The regulations of the Postal Service Privatization Act apply in addition to the regulations of the Banking Act. *2 The authority of the Prime Minister of Japan has been delegated to the Commissioner of the Financial Services Agency (of Japan), with some exceptions (such as the decision not to apply part of the Postal Service Privatization Act when 50% or more of shares have been disposed of). EP JAPAN POST BANK BANK Copyright© JAPAN POST BANK All Rights Reserved. 57

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