Investor Presentaiton
1. Summary
2. How to Increase
Corporate Value
3. Appendix
4. Financial Data
(Ref.) Capital Investment Targets and Prospect for CET1 Ratio
Due to additional investment in risk assets and reinforcement of financial regulations, the CET1 ratio is expected to fall gradually
by March 31, 2026.
However, we will ensure sufficient financial soundness, keeping a CET1 ratio over 10%, the minimum level to be secured in
ordinary times.
12.38%*1
(estimate)
<Numerator>
Capital Investment Targets and Prospect for CET1 Ratio
(Excluding Unrealized Gains on Available-for-sale Securities)
Expected to fall gradually
to around 10%
(the minimum level to be
secured in ordinary times,
that was formulated in
the Mid-term Plan)
Steady accumulation of profit
around 10%*2
(estimate)
(Ref.) Minimum levels to be secured in ordinary times
Although the Bank is a domestic standard bank, given certain
factors such as the size of the Bank's overseas credit, we set
a CET1 ratio of approx. 10%*2 as the minimum level
to be secured in ordinary times, based on the idea that
we should aim for capital management of a level
commensurate with large-scale domestic financial institutions.
Minimum levels to be secured
in ordinary times
End
(Shareholder returns based on a dividend
payout ratio approx. 50%)
<Denominator>
• Investment in risk assets
•
Reinforcement of financial
regulations (Basel II finalization)
The impact of increasing the denominator is greater than
that of increasing the numerator.
Sep.
2023
JP JAPAN POST BANK
BANK
End
Mar.
2026
approx. 10%
10.0%
2.5%
7.5%
0.5%
7.0%
Risk buffer
Ensuring sufficient tolerance even
in the event of unexpected stress events
Additional buffer
2.5%
Capital conservation buffer
4.5%
4.5%
Minimum common
equity Tier1 ratio
CET1 ratio
*1 Calculation for some items are simplified.
*2 CET1 ratio of FY2026/3 is based on full implementation of Basel III.
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