Investor Presentaiton
1. Summary
2. How to Increase
Corporate Value
3. Appendix
Retail Business (2) Progress in Improving the Work Efficiency from Quantitative Aspects
4. Financial Data
We have steadily reduced G&A costs and increased profits in our retail business.
From now on, we will attempt to sustain G&A cost reductions through digital technologies as well as other means, and to
maximize retail business earnings through increased transaction volume, price optimization, etc.
G&A Expenses / Retail Business Earnings*1
Headcount Reduction, Work Reforms and
Productivity Improvements
(billion yen)
1,100
1,000
900
G&A
expenses
1,064.0
IN
(1)G&A expenses
(billion yen)
130
Personnel expenses (Left)
Average annual salary (Right)
(thousand yen)
7,000
6,845
6,699 6,759 6,746 6,770
6,546
6,502
120
6,500
Reduced
924.7
JPY 139.2bn in 7 years
(Improved approx. 13%)
126.4
123.2 123.2
124.2
110
120.6
6,000
117.2
115.1
+
113.7
0
0
0
FY15 FY16 FY17 FY18 FY19 FY20 FY21
FY22
FY15 FY16 FY17 FY18
FY19 FY20 FY21 FY22
(billion yen)
200
Total improvement (No. of employees)
JPY 195.8bn
(No. of employees)
20,000
7,000
18,618
18,382
17,937
147.8
150
+
18,000
17,161
6,000
16,472
5,425 5,531 5,457
15,933
(2) Fees &
16,000
5,191
5,000
15,221
commissions
4,925
14,625
100 91.1
Fees &
14,000
Total Headcount"² (Left)
4,303
4,000
Increased
commissions
3,904
0
FY15 FY16 FY17 FY18 FY19 FY20
FY21 FY22
JPY 56.6bn in 7 years
(Increased approx. 60%)
Total Headcount at
0
16/4
*2 As of Apr. 1.
*1 FY16 and earlier: non-consolidated basis, after FY17: consolidated basis.
directly-operated branches "2,3 (Right)
17/4 18/4 19/4 20/4 21/4
*3 Until FY2023/3, headcount of Counter Services, Financial Consulting
and Fund managing Depts. From April 2023, headcount of Financial
Services (2 Depts. merged) and Fund managing Dept.
3,526
0
22/4 23/4
JP JAPAN POST BANK
BANK
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