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Investor Presentaiton

Overview of FY2024/3 H1 Results (2) Capital Adequacy Ratio and CET1 Ratio 1. Summary 2. How to Increase Corporate Value 3. Appendix 4. Financial Data Financial Results Asset Management Σ Business Governance The consolidated capital adequacy ratio as of September 30, 2023 was 15.30%, down 0.22% compared to March 31, 2023. This decrease in consolidated capital adequacy ratio was the result of the increase in the total amount of risk-weighted assets (denominator), mainly due to an increased balance in strategic investment areas. Capital Adequacy Ratio and CET1 (Common Equity Tier1 Capital) Ratio (Consolidated) (trillion yen) Credit risk-weighted assets I Operational risk equivalent / 8% Capital adequacy ratio As of Mar. 31, As of Sep. 30, (billion yen) Increase (Decrease) 2023 (A) 2023 (B) (B) - (A) Main drivers of increase and decrease Capital adequacy ratio 15.53% 15.30% (0.22)% 15.56% 15.29% 15.53% Total capital 9,224.4 9,345.6 (1) 121.1 (1) 15.30% Risk-weighted assets 59,395.1 61,051.1 1,656.0 Minimum level to be secured is approx.10% in ordinary times (2) Credit risk-weighted assets 56,938.2 58,760.5 (2) 1,822.2 Regulatory level is 4% or more Increases in profit FY2024/3 H1 net income: [JPY +182.1bn] Mainly due to an increased balance in strategic investment areas (trillion yen) 61.1 61.0 59.1 59.3 2.4 2.2 2.5 2.4 As of As of Increase Mar. 31, Sep. 30, (Decrease) 2023 (A) 2023 (B) (B) - (A) CET1 ratio (estimate*) 14.28% 12.38% (1.89)% 58.6 58.7 Excluding unrealized gains on 56.5 56.9 14.01% 12.38% (1.62)% available-for-sale securities Total capital 8.8 8.5 (0.2) (3) Risk-weighted assets 63.3 69.2 (3) 5.9 End End Mar. Sep. Mar. 22 22 23 End End Due to an increased balance in strategic investment areas, yen depreciation, etc. Sep. 23 *Calculation for some items are simplified. JP JAPAN POST BANK BANK Copyright© JAPAN POST BANK All Rights Reserved. 25 25
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