(7182) Stock Price

Japan Post Bank provides various financial services under the Banking Law. Its main business operations include deposit services, securities investment, lending services such as syndicated loans, foreign exchange services, sales of government bonds, investment trusts and insurance products, mortgage brokerage, and credit card operations. Through these services, Japan Post Bank leverages the postal network of Japan Post Co., Ltd. to serve approximately 120 million customers.

Japan Post Bank forms a group that includes 16 consolidated subsidiaries and 2 affiliated companies accounted for using the equity method, with banking as its core business and financial instruments trading operations. As a member of the Japan Post Group, it operates diverse businesses including postal and logistics services, postal window services, real estate operations, international logistics, banking, and life insurance.

For asset management, Japan Post Bank primarily invests customer savings in securities to generate investment income. It utilizes investment trusts including government bonds and foreign bonds to diversify revenue sources and manage risk. It also strengthens regional economic development by enhancing fund supply to local governments and collaboration with regional financial institutions.

For funding, Japan Post Bank accepts ordinary savings and fixed-term savings through its postal network. It also accepts special savings from the Postal Management and Support Organization. To manage assets and liabilities comprehensively, it manages credit risk and liquidity risk and appropriately implements ALM (Asset Liability Management).

In fee-based business, Japan Post Bank generates fee income through foreign exchange services, sales of government bonds and investment trusts, credit card operations, mortgage brokerage services, and ATM partnership services. These services are provided through the postal network and digital channels.

Japan Post Bank aims to be "the most accessible and trusted bank," with a management policy that prioritizes customer feedback. Using trust, transformation, efficiency, and expertise as key pillars, the company is working to strengthen regulatory compliance, build customer relationships, drive management transformation, improve operational efficiency, and enhance professional capabilities.

Under its medium-term management plan through fiscal year 2025, the company is pursuing three strategic business pillars: Retail Business, Market Business, and Sigma Business. These initiatives are designed to enhance corporate value and establish a foundation for the next medium-term management plan.

In Retail Business, the company emphasizes maintaining and deepening its customer base while expanding digital services. Specifically, it leverages the "Japan Post Bank Passbook App" to build long-term customer relationships. Through digital transformation initiatives, the company pursues improved convenience and productivity.

In Market Business, against the backdrop of rising domestic interest rates, the company is advancing investments in Japanese government bonds. It is strengthening risk management and building an optimal investment portfolio to improve profitability.

In Sigma Business, the company contributes to regional revitalization by supporting the growth of regional enterprises and addressing community challenges. Emphasizing investment quality, it is establishing sourcing methods tailored to regional characteristics. This approach aims to build a sustainable revenue foundation.

In strengthening its management foundation, the company prioritizes talent development through strategic workforce allocation and engagement enhancement. It is also strengthening personal information management systems and internal control frameworks. These efforts aim to secure stable profitability.

Financial targets include consolidated net income, ROE, OHR, and capital adequacy ratio. The company pursues management with awareness of capital costs and capital returns. Regarding shareholder returns, the company targets a dividend payout ratio of approximately 50% and implements a shareholder benefit program.