Investor Presentaiton
1. Summary
2. How to Increase
Corporate Value
3. Appendix
4. Financial Data
Income Analysis
For the six months ended
(Millions of yen)
For the six months ended
September 30, September 30,
(B) - (A)
2022 (A)
2023 (B)
September 30, September 30,
2022 (A)
(B) - (A)
2023 (B)
Gross operating profit
574,789
376,107 (198,682)
Extraordinary income (loss)
(185)
(508)
(322)
Net interest income
429,777
Net fees and commissions
74,286
Net other operating income (loss)
70,725
Gains (losses) on foreign exchanges
51,186
(24,545)
337,580
76,882
(38,354) (109,080)
(75,731)
(92,197)
2,595
Gains (losses) on sales and disposals
of fixed assets
(185)
(504)
(319)
Losses on impairment of fixed assets
(0)
(3)
(2)
Income before income taxes
214,190
254,010
39,820
Income taxes
-
current
(79,025)
(75,522)
3,502
Gains (losses) on bonds
19,377
(13,925)
(33,303)
Income taxes - deferred
20,300
3,422
(16,878)
General and administrative expenses
(465,015)
(466,305)
(1,289)
Total income taxes
(58,724)
(72,100)
(13,376)
Personnel expenses
Non-personnel expenses
Taxes and dues
(18,114)
(57,089)
(389,811) (392,731)
(17,499)
(56,074)
1,014
Net income
155,466
181,910
26,444
(2,919)
614
Gains (losses) on money held in trust
53,170
488,932
435,761
Operating profit (before provision for
109,774
general reserve for possible loan losses)
Core net operating profit
90,396
Excluding gains (losses) on
49,803
(76,272)
(79,289)
(90,198) (199,972)
(166,668)
(129,093)
Dividends and interest income
Gains (losses) on sales of stocks
Impairment losses
70,047
65,622
(4,425)
18
460,491
460,472
(3,281)
(581)
2,699
cancellation of investment trusts
Provision for general reserve for
Withholding income tax, etc.
(13,614)
(36,599)
(22,985)
4
(4)
possible loan losses
Net operating profit
109,778
Non-recurring gains (losses)
104,598
Gains (losses) related to stocks
51,629
Gains (losses) on money held in trust
53,170
Net ordinary income
214,376
(90,198)
344,717
(133,848)
488,932
254,519
(199,976)
240,119
(185,478)
435,761
40,142
Credit-related expenses
Provision for general reserve for
3
(2)
(5)
3
(2)
(5)
possible loan losses
EP JAPAN POST BANK
BANK
Notes: 1. General and administrative expenses exclude non-recurring losses related to retirement benefit
costs (JPY 692 million and JPY 814 million recorded as profits for the six months ended
September 30, 2023 and 2022, respectively).
2. Core net operating profit = Operating profit (before provision for general reserve for possible
loan losses) Gains (losses) on bonds
3. Credit-related expenses are those expenses related to problem assets disclosed under the
Financial Reconstruction Act.
4. Numbers in parenthesis indicate the amount of loss, expense or decrease.
Copyright© JAPAN POST BANK All Rights Reserved.
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