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Investor Presentaiton

Fees and Commissions 1. Summary 2. How to Increase Corporate Value 3. Appendix 4. Financial Data Financial Results Asset Management Σ Business Governance Net fees and commissions for FY2024/3 H1 increased by JPY 2.5bn year on year to JPY 76.8bn. Net fees and commissions have steadily increased from the previous year due to the impact of the April 2023 fee revision, etc. Fees and Commissions (Non-consolidated) (billion yen) Exchange and settlement transactions ■ATM related commissions (billion yen) Increase FY2023/3 H1 (A) FY2024/3 H1 (B) (Decrease) (B) - (A) Investment trust related commissions Net fees and commissions 74.2 76.8 2.5 Other than the above (1) 146.3 10.4 127.4 11.8 7.2 13.6 32.8 22.7 Exchange and settlement transactions 46.4 45.5 (1) (0.8) Zengin-net fee 6.3 7.0 0.6 ATM related commissions 16.6 18.6 (2) 2.0 (2) Investment trust related 6.1 5.9 (0.1) commissions 74.2 76.8 6.6 5.1 Variable annuities 0.1 1.2 (3) 1.0 I 6.1 5.9 16.6 18.6 JGBS related commissions 0.9 1.1 0.1 91.1 83.7 Credit cards 1.7 1.7 0.0 46.4 45.5 Consumer loans 0.6 0.7 10 0.1 Others 1.6 1.7 0.0 00 FY21 FY22 FY22 H1 FY23 H1 * Include Yucho Fund Wraps (discretionary investment contract services). JP JAPAN POST BANK BANK Main drivers of increase and decrease Decrease in the number of ordinary in- payments One of the reasons is digital payments that have become increasingly popular The impact of the fee revision in April 2023 Fee increases in Seven Bank's ATMs Increase in number of sales transactions Copyright© JAPAN POST BANK All Rights Reserved. 28
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