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(Ref.) Changes in Net Ordinary Income for Earnings Forecasts (Simple Illustration) (2) YoY 1. Summary 2. How to Increase Corporate Value 3. Appendix 4. Financial Data Financial Results Asset Management Σ Business Governance Causes of Changes in Net Ordinary Income (Consolidated) [FY2023/3 H1 Actual vs FY2024/3 H1 Actual] Note: The addition of total changes to the FY2023/3 H1 results does not equal the FY2024/3 H1 results due to rounding, other ordinary income/expenses and similar factors. (billion yen) Net interest income, etc. 32.0 Deepening Market Operations and Risk Management Innovations in Retail Business Work Reforms and Productivity Improvement, etc. Net ordinary Income 470.0 Net ordinary income 220.1 Net income 158.6 (98.0) Strategic investment areas (20.0) JGBs, etc. FY2023/3 H1 (Actual) JP JAPAN POST BANK BANK (133.0) Net ordinary Net income 335.0 2.5 1.5 Income 253.8 Net fees 267.0 Others (Foreign currency funding 16.0 Foreign bond investment trusts and commissions G&A expenses costs, etc.) Gains on sales of stocks, etc. : Positive factors : Negative factors Net income 182.1 FY2024/3 H1 (Actual) FY2024/3 (Forecast) Copyright© JAPAN POST BANK All Rights Reserved. 24

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