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Investor Presentaiton

Current Status Regarding Privatization (3) Agency Commissions Paid to Japan Post, etc. 1. Summary Financial Results (2) Agency commissions Contribution System Japan Post (1) Subsidies 2. How to Increase Corporate Value 3. Appendix 4. Financial Data Asset Management Σ Business Governance Structure of Expenses Associated with Outsourcing to Japan Post (1) Subsidies (2) Agency commissions Subsidies are calculated each fiscal year by the Organization for Postal Savings, Postal Life Insurance and Post Office Network and approved by the Minister of Internal Affairs and Communications (Japan) Organization for Postal Savings, Postal Life Insurance and Post Office Network Contributions Related Insurance Company (Japan Post Insurance) Contributions* Related Bank (Japan Post Bank) (2) Agency commissions * Contributions are the subsidies plus the administrative expenses (those incurred by related bank) of the Organization for Postal Savings, Postal Life Insurance and Post Office Network. Basic agency commissions + Sales & service incentives Commission for operating deposits, investment trusts, and for remittance and settlement services, etc. Basic agency commissions are calculated by multiplying the percentage increase or decrease from the previous fiscal year's amount corresponding to the cost of agency services (based on the costs of our directly-operated branches) by the previous fiscal year's basic agency commissions The basic agency commissions will reflect any change in operating efficiency of our directly-operated branches. Paid in line with achievement in sales targets and improvements in service quality JP JAPAN POST BANK BANK Copyright© JAPAN POST BANK All Rights Reserved. 58
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