Investor Presentaiton
Average Balance, Interest, and Earnings Yield of
Interest-Earning Assets and Interest-Bearing Liabilities
1. Summary
2. How to Increase
Corporate Value
3. Appendix
4. Financial Data
(3) Total
For the six months ended
September 30, 2022 (A)
September 30, 2023 (B)
Average
Interest
balance
Earnings
yield
Average
balance
Earnings
Interest
yield
(Millions of yen, %)
Increase
(Decrease)
(B) - (A)
Earnings
yield
Interest-earning assets
Loans
Securities
221,864,850
611,050
0.54
220,624,767
677,644
0.61
0.06 %pt
5,001,272
4,965
0.19
5,639,382
4,761
0.16
(0.02)%pt
142,635,792
591,277
0.82
138,893,402
651,761
0.93
0.10 %pt
Due from banks, etc.
63,054,105
14,066
0.04
64,937,779
16,170
0.04
0.00%pt
Interest-bearing liabilities
212,690,364
181,272
0.16
210,730,345
340,064
0.32
0.15 %pt
Deposits
194,436,929
Payables under securities lending
transactions
1,620,246
6,768
13,285
0.00
195,317,191
5,565
0.00
(0.00)%pt
1.63
2,073,217
56,128
5.39
3.76 %pt
Notes: 1. "Domestic" represents yen-denominated transactions while "overseas" represents foreign currency-denominated transactions (except that yen-denominated transactions with non-residents of Japan are
included in "overseas").
2. Income and expenses for money held in trust are included in "other ordinary income" and "other ordinary expenses", respectively. Accordingly, the average balance of money held in trust (six months
ended September 30, 2023, JPY 5,211,247 million; six months ended September 30, 2022, JPY 4,928,131 million) is excluded from interest-earning assets, and the average balance corresponding to
money held in trust (six months ended September 30, 2023, JPY 5,211,247 million; six months ended September 30, 2022, JPY 4,928,131 million) and the corresponding interest (six months ended
September 30, 2023, JPY 8,409 million; six months ended September 30, 2022, JPY 8,574 million) are excluded from interest-bearing liabilities.
3. For investment trusts, the distribution of profits, which was deducted from the book value as the repayment of principal, was JPY 48,980 million for the six months ended September 30, 2023 (JPY
72,967 million for the six months ended September 30, 2022).
4. Average balance and interest on transactions between "domestic" and "overseas" are offset to calculate totals. And, the Bank revised calculation method of the interest from the fiscal year ended March
31, 2023.
5. "Due from banks, etc." consists of negotiable certificates of deposit, Bank of Japan deposits, call loans and monetary claims bought.
6. Earnings yield is annualized.
Interest Rate Spread
Yield on interest-earning assets (a)
Total cost of funding
(including general and administrative expenses) (b)
Interest rate on interest-bearing liabilities (c)
Overall interest rate spread (a) - (b)
Interest rate spread (a) - (c)
JP JAPAN POST BANK
BANK
(%)
For the six months ended
September 30,
2022 (A)
September 30,
2023 (B)
Increase
(Decrease)
(B) - (A)
0.54
0.61
0.06 %pt
0.60
0.76
0.15 %pt
0.16
0.32
0.15 %pt
(0.05)
(0.15)
0.37
0.29
(0.09)%pt
(0.08)%pt
Note: All numbers are annualized.
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