Investor Presentaiton
1. Summary
2. How to Increase
Corporate Value
3. Appendix
4. Financial Data
How to Increase the Corporate Value: Policies, Goals, and Initiatives Towards Improvement (2)
We will pursue a growth strategy that leverages our unique strengths while reinforcing our management base, aiming to
sustainably increase ROE and thereby PBR.
We plan to disclose the specific measures to increase ROE in May 2024, along with the revised Mid-term Plan.
Growth Strategies
Market Business
Retail Business
Σ Business
Secure Financial
Soundness
Increase Shareholder
Returns
Strengthen the
Management Base
Reduce Business
Risk
ROE = RORA x financial leverage (inverse of CET1 ratio)
→Improve RORA while maximizing use of capital (increase financial leverage)
● Improve earnings by restructuring the yen interest-rate portfolio with no risk assets
• Improve earnings by increasing the balance of risk assets and strategic investment
areas through the use of capital, and improve RORA by optimizing asset allocation
Increase earnings by boosting transaction volume and optimizing commissions through
realizing complementarity between the physical and the digital
Pursue business reform and drastic cost cuts through the use of digital technology
Maintain relationships and a stable deposit base by providing services that meet
customer needs
Promote unique GP Business in JPB appropriate manner by identifying small and
medium-sized enterprises with growth potential, providing equity capital through
various frameworks, and offering marketing support for investees
Ensure capital adequacy ratio and CET1 ratio (excluding unrealized gains on available-
for-sale securities) of approximately 10% in ordinary times
Aim to increase dividends in line with profit growth, based on a dividend payout ratio
of approximately 50%
Consider share repurchases based on market conditions, internal reserves, etc.
Promote sustainability management and human capital management
Enhance information disclosure and IR activities
Practice effective control of major risks
Curtail earnings volatility
Largest customer base of any Japanese bank
120 million
ordinary deposit accounts
JP JAPAN POST BANK
BANK
Japan Post Bank's Unique Strengths
Most extensive and stable deposit base in Japan
JPY 194tn in deposits,
centered on retail banking customers
Strive for
Sustained
Increase of
ROE
Enhance
Control the
cost of
shareholders'
equity
Nationwide network
corporate
value
(Increase PBR
to above 1x)
covering every corner of the country
Network of approx. 24,000 branches
Copyright© JAPAN POST BANK All Rights Reserved.
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