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Investor Presentaiton

1. Summary 2. How to Increase Corporate Value 3. Appendix 4. Financial Data Restructuring of the Yen Interest-rate Portfolio (1) Paradigm Shift in Portfolio + Next Actions We achieve a paradigm shift in the portfolio by shifting investments from JGBs to risk assets in the face of declining yen interest rates. From 2023 onward, we capture the reversal trend of yen interest rates by shifting investments from due from banks, etc. to JGBs (restructuring of the yen interest-rate portfolio). (%) 2.0 1.5 1.0 0.5 0.0 Sophisticated Risk Management and Timely and Appropriate Actions in Line with Market Fluctuation As of Oct. 1, 2007 (Corporatization) As of Mar. 31, 2016 (FY end of IPO) As of Mar. 31, 2023 (the end of FY2023/3) Foreign securities, etc. 0.1% Others 9.2%2 Others 15.3%*² JGBs JGBs Others*2 18.3% 16.8% 40.1% Due from banks, etc. 2.5% AUM JPY 220.7tn To Reverse & Expand AUM JPY 204.8tn JGBs"1 88.0% Foreign securities, etc. 22.1% Due from banks, etc. 22.3% Foreign securities, etc. 34.6% AUM JPY 226.3tn Due from banks, etc. 30.1% (0.5) End Mar. 07 Interest rate of 10-year JGB Source: JGB interest rate information 2008- Commenced and Expanded Investments in Overseas Credit Assets Jan. 2016 QQE with negative interest rates by BOJ 2016- Commenced Investments in Strategic Investment Areas Assets, and focused on them PE and Real estate funds revenue in full swing 2020- Enhanced Stress Resilience of Investment Portfolios 2023- Restructuring of the Yen Interest- rate Portfolio - Ministry of Finance Japan Apr. 2013 Quantitative and Qualitative Monetary Easing ("QQE") by BOJ End Mar. 09 End Mar. 11 End Mar. 13 Sep. 2016 QQE with Yield Curve Control (YCC”) by BOJ End Mar. 15 Mar. 2020 Corona crisis End Mar. 17 Mar. 2021 Clarification of YCC policy (approx. ±0.25%) by BOJ End Mar. 19 End Mar. 21 Dec. 2022, Jul. 2023, Oct. 2023 YCC tweak by BOJ End End Mar. Oct. 23 23 *1 Include deposits to the Fiscal Loan Fund which were postal savings funds deposited with the Ministry of Finance Japan. All deposits to the Fiscal Loan Fund were redeemed through November, 2010. *2 Consist of Japanese local government bonds, corporate bonds, money held in trust, loans, short-term investments, etc. JP JAPAN POST BANK BANK Copyright© JAPAN POST BANK All Rights Reserved. 10 10
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