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Investor Presentaiton

Restructuring of the Yen Interest-rate Portfolio (4) Robust B/S Structure to Support Investments 1. Summary 2. How to Increase Corporate Value 3. Appendix 4. Financial Data With the huge retail customer base and stable funds supported by the largest physical branch network among Japanese banks, we have expanded risk assets, and in addition, restructured the yen interest-rate portfolio deploying due from banks, etc. Held-to-maturity Approx. JPY 16tn Available-for-sale: Approx. JPY 23tn Large amount of standby funds available for investment The Bank's BS (non-consolidated) Total assets JPY 230tn (as of Sep. 30, 2023) JGBs*1 JPY 40tn Ordinary Deposits JPY 108tn The huge retail customer base and stable funds supported by the largest physical branch network among Japanese banks Retail Deposit Ratio Approx. 97% Insured Deposit Ratio³ Approx. 91% Number of Ordinary Deposit accounts Due from banks, etc. JPY 63tn Deposits JPY 194tn More than 50% are sticky core deposits. Deposits Approx. JPY 194tn Foreign securities² JPY 85tn TEIGAKU deposits JPY 68tn Others Sovereign bonds: Approx. JPY 8tn Corporate bonds: Approx. JPY 64tn : Approx. JPY 13tn (PE Approx. JPY 6tn) Number of Branches* Approx. 24,000 *4 Others Others JPY 41tn Others / Net assets JPY 36tn Approx. 120 million Number of ATMs Approx. 31,000 *1 Include JGBs in money held in trust. *2 Include real estate funds and direct lending funds in money held in trust. *3 Deposits that meet the requirement under the Deposit Insurance System in the Deposit Insurance Act divided by total deposits. *4 Includes post offices. JP JAPAN POST BANK BANK Copyright© JAPAN POST BANK All Rights Reserved. 13
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