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Investor Presentaiton

General and Administrative Expenses 1. Summary 2. How to Increase Corporate Value 3. Appendix 4. Financial Data Financial Results Asset Management Σ Business Governance General and administrative expenses for FY2024/3 H1 increased by JPY 1.4bn year on year to JPY 465.6bn. While personnel expenses and commissions on bank agency services, etc. paid to Japan Post steadily decreased, IT expenses have increased due to core system renewals. G&A Expenses (Non-consolidated) Main drivers of increase and decrease Reductions in employee numbers brought about by factors such as fewer new hirings (Ref.) Number of employees (Refer to page 71) as of Sep. 30, 2023: 11,852 people [YOY: (286) people] as of Sep. 30, 2022: 12,138 people Increase in IT expenses [approx. JPY +6.0bn] Commissions on bank agency services, etc. paid to Japan Post and Contributions paid to the Organization for Postal Savings, Postal Life Insurance and Post Office Network [approx. JPY (4.5)bn] (billion yen) (billion yen) Increase FY2023/3 H1 (A) FY2024/3 H1 (B) (Decrease) Personnel expenses ■Non-personnel expenses (B) - (A) Personnel expenses* 56.2 55.3 (0.8) ■Taxes and dues Salaries and allowances 45.9 45.0 (1) (0.8) (1) 979.0 44.9 922.1 35.4 Non-personnel expenses 389.8 392.7 (2) 2.9 i Commissions on bank agency services, 174.2 163.3 (3) (10.9) etc. paid to JAPAN POST Co., Ltd. Contributions paid to the Organization 819.0 772.9 464.2 18.1 465.6 for Postal Savings, Postal Life Insurance and Post Office Network 115.3 121.8 6.4 17.4 Deposit insurance expenses paid to Deposit Insurance Corporation of Japan 13.7 13.9 0.2 389.8 392.7 Taxes and dues 18.1 17.4 (0.6) 115.1 113.7 FY21 FY22 56.2 FY22 H1 55.3 FY23 H1 Total 464.2 465.6 1.4 * Personnel expenses include non-recurring losses. JP JAPAN POST BANK BANK Copyright© JAPAN POST BANK All Rights Reserved. 29 29
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