Slides
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Selected Financial Information For the Three Months Ended June 30 , 2026 August 7 , 2026 UP JAPAN POST BANK BANK
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Copyright© JAPAN POST BANK All Rights Reserved. Contents Consolidated subsidiaries 19 companies Principal companies: JAPAN POST BANK LOAN CENTER Co., Ltd. Japan Post Bank Asset Management Co., Ltd. Japan Post Bank Capital Partners Co., Ltd. Affiliates accounted for by the equity method ATM Japan Business Service, Ltd. 【Consolidated subsidiaries, etc.】 １．Results of Operations Consolidated ・・P. 2 ２．Trend of Net Interest Income and Interest Rate Spread Non-consolidated ・・P. 4 ３．Net Fees and Commissions Non-consolidated ・・P. 5 ４．Trend of General and Administrative Expenses Non-consolidated ・・P. 6 ５．Financial Conditions Non-consolidated ・・P. 7 ６．Asset Management Status Non-consolidated ・・P. 8 ７．Unrealized Gains (Losses) on Financial Instruments Non-consolidated ・・P. 9 ８．Trend of Capital Adequacy Ratio, etc. Consolidated ・・P.10 Financial Highlights １．Summarized Balance Sheets Non-consolidated ・・P.12 ２．Income Analysis Non-consolidated ・・P.13 ３．Net Interest Income Non-consolidated ・・P.14 ４．Interest Rate Spread Non-consolidated ・・P.15 ５．Average Balance, Interest, and Earnings Yield of Interest-Earning Assets and Interest-Bearing Liabilities Non-consolidated ・・P.16 ６．Asset Management Status Non-consolidated ・・P.17 ７．Unrealized Gains (Losses) on Financial Instruments Non-consolidated ・・P.18 ８．General and Administrative Expenses Non-consolidated ・・P.20 ９．Loans Non-consolidated ・・P.21 10．Balances by Type of Deposit Non-consolidated ・・P.22 11．Problem Assets Disclosed under the Financial Reconstruction Act Non-consolidated ・・P.23 (Reference) Asset Balances by Portfolio Non-consolidated ・・P.24 Financial Data Note： All Japanese yen figures in the financial statements of JAPAN POST BANK Co., Ltd. (the “Bank”) and its consolidated subsidiaries (the “Group”) have been rounded down. Accordingly, the total of each account may not be equal to the combined total of individual items.
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Financial Highlights
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Copyright© JAPAN POST BANK All Rights Reserved. 1. Results of Operations For the three months ended Increase (Decrease) (B) – (A) June 30, 2025(A) June 30, 2026 (B) Consolidated gross operating profit 262.9 433.4 170.4 Net interest income 232.2 407.1 174.8 Net fees and commissions 41.1 43.0 1.9 Net other operating income (loss) (10.4) (16.7) (6.3) Gains (losses) on foreign exchanges (10.3) (16.7) (6.4) Gains (losses) on bonds (0.1) (0.0) 0.0 General and administrative expenses*1 240.7 245.9 5.2 Provision for general reserve for possible loan losses 0.0 － (0.0) Consolidated net operating profit 22.2 187.4 165.2 Non-recurring gains (losses) 131.6 66.0 (65.5) Net ordinary income 153.8 253.5 99.6 Net income attributable to owners of parent 104.8 177.5 72.7 ROE (based on shareholders’ equity) 4.33% 7.13% 2.80 % OHR 61.03% 49.37% (11.65)% (¥bn, %) Consolidated 【Reference*2】 (basis including gains (losses) on money held in trust) ◼ Net income attributable to owners of parent increased by ¥72.7 bn, or 69.3%, year on year to ¥177.5 bn, mainly due to an increase in net interest income. It equated to 26.9% of the full-year earnings forecast of ¥660.0 bn and remained strong. 2 Net interest income ⇒ P4 Income related to foreign bonds investment trusts increased. Interest on Japanese government bonds continues growing with a rise in domestic interest rates. Net fees and commissions ⇒ P5 Exchange and settlement transactions increased due to an increase of payment services usage, etc. General and administrative expenses ⇒ P6 Non-personnel expenses increased due to making investments in growth fields and an increase in contributions paid to the Organization for Postal Savings, Postal Life Insurance and Post Office Network. Non-recurring gains Gains on sales of stocks associated with operations for risk controls decreased. Net ordinary income Increased by ¥99.6 bn, and equated to 26.5% of the full-year earnings forecast of ¥955.0 bn. Net income attributable to owners of parent Increased by ¥72.7 bn, and equated to 26.9% of the full-year earnings forecast of ¥660.0 bn. *1 General and administrative expenses exclude non-recurring losses. *2 Calculation for financial targets in the Medium-term Management Plan (FY2027/3 – FY2029/3) 1 2 3 4 5 6 1 2 3 4 5 6
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Copyright© JAPAN POST BANK All Rights Reserved. 1. Results of Operations Consolidated 3 Trend of Net Income Attributable to Owners of Parent and ROE Note： ROE of FY2022/3 – FY2026/3 and FY2029/3 are the figures for the relevant fiscal years, while ROE of FY2027/3 is the figure for the three months ended June 30, 2026. 120.8 88.8 86.8 96.2 104.8 177.5 355.0 325.0 356.1 414.3 525.5 660.0 (Forecast) Over 1,000.0 3.80% 3.44% 3.74% 4.28% 5.30% 7.13% FY2022/3 FY2023/3 FY2024/3 FY2025/3 FY2026/3 FY2027/3 FY2029/3 Net income attributable to owners of parent (¥bn) ROE (based on shareholders' equity) Medium-term Management Plan (FY2022/3 - FY2026/3) Medium-term Management Plan (FY2027/3 - FY2029/3) April - JuneProgress rate 26.9% Approx. 10% (Forecast)
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Copyright© JAPAN POST BANK All Rights Reserved. FY2027/3 1Q 130.4 178.5 213.0 85.9 150.6 202.0 216.4 329.2 415.0 0 100 200 300 400 (¥bn) Net interest income*1 Non-recurring gains (losses)*2 30.4 67.549.7 59.780.2 127.3 (Period) ◼ Net interest income increased by ¥178.3 bn year on year to ¥407.1 bn and interest rate spread was 0.73% for the three months ended June 30, 2026. ◼ Interest income increased mainly due to increases in income related to foreign bonds investment trusts and interest on Japanese government bonds. 2. Trend of Net Interest Income and Interest Rate Spread For the three months ended Increase (Decrease) (B) – (A) June 30, 2025 (A) June 30, 2026 (B) Net interest income 228.7 407.1 178.3 Interest income 452.4 678.1 225.7 Interest on Japanese government bonds 79.3 109.8 30.4 Interest on foreign securities 261.1 411.8 150.6 Interest expenses 223.6 270.9 47.3 (¥bn) Non-consolidated 4 *2 Private equity funds (redemption gains (losses)) and real estate funds (equity・debt), etc. 【(Reference) Trend of Net Interest Income and Non-recurring Gains (Losses) related to Strategic Investment Areas】 Net income related to strategic investment areas contribute to non-recurring gains (losses) in addition to net interest income. *1 Private equity funds (profit distribution) and real estate funds (debt), etc. 233.6 168.8 258.6 228.7 407.1 785.1 715.5 956.8 1,303.7 0.41% 0.29% 0.43% 0.39% 0.73% 0.0% 0.2% 0.4% 0.6% 0.8% 1.0% 1.2% 0 200 400 600 800 1,000 1,200 1,400 FY2023/3 FY2024/3 FY2025/3 FY2026/3 FY2027/3 (¥bn) （Fiscal year） Net interest income （left hand-scale） April - June Interest rate spread July ‐ March April ‐ June (Fiscal year) FY2024/3 FY2025/3 FY2026/3 FY2026/3 1Q 0.73%
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Copyright© JAPAN POST BANK All Rights Reserved. 3. Net Fees and Commissions ◼ Net fees and commissions for the three months ended June 30, 2026 increased by ¥1.5 bn year on year to ¥42.4 bn. (Reference) Number of accounts registered in the Bankbook app was 1,749 ten thousands, which contributed to strengthening customer base. Non-consolidated (¥bn) For the three months ended Increase (Decrease) (B) – (A) June 30, 2025 (A) June 30, 2026 (B) Net fees and commissions relating to 40.8 42.4 1.5 Exchange and settlement transactions 24.2 25.4 1.1 ATMs 9.6 9.2 (0.3) Investment trusts*1 3.1 3.7 0.5 Others 3.8 4.0 0.2 Results of Investment Trusts and Yucho Fund Wraps Sales Breakdown of Net Fees and Commissions For the three months ended Increase (Decrease) (B) – (A) June 30, 2025 (A) June 30, 2026 (B) Number of contracts (thousands) 2,868 3,208 340 Sales amount (billions of yen) 136.4 203.2 66.7 *1 Investment trusts include Yucho Fund Wraps(discretionary investment contract services). 5 As of March 31, 2026 (A) As of June 30, 2026 (B) Increase (Decrease) (B) – (A) Balance 3,519.4 3,950.0 430.6 Investment trusts 3,205.5 3,579.7 374.2 Yucho Fund Wraps 313.8 370.2 56.4 (¥bn) Trend of Net Fees and Commissions ■ Exchange and settlement transactions ■ATMs ■Investment trusts ■Others （¥bn） 【Reference】 Number of accounts registered in the Bankbook app (ten thousands) (Fiscal year) Number of users of long-term asset- building system*2 (ten thousands) (Period) 77 86 92 94*3 110 1,040 1,359 1,662 1,749 2,500 *2 Sum of customers using NISA, iDeCo, and the National Pension Fund (includes overlap in customers between systems). The figures are rounded. *3 Preliminary report basis KPI KPI 3.7 4.089.2 89.8 99.9 37.3 38.1 37.612.2 13.0 13.612.7 13.8 14.5 151.5 154.8 165.7 0 50 100 150 200 FY2024/3 FY2025/3 FY2026/3 24.2 25.4 9.6 9.23.1 3.840.8 42.4 FY2026/3 1Q FY2027/3 1Q
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Copyright© JAPAN POST BANK All Rights Reserved. 4. Trend of General and Administrative Expenses Non-consolidated 6 (Fiscal year) ◼ General and administrative expenses for the three months ended June 30, 2026 increased by ¥3.9 bn year on year to ¥243.9 bn. For the three months ended Increase (Decrease) (B) – (A) June 30, 2025 (A) June 30, 2026 (B) Personnel expenses* 26.6 26.1 (0.4) Salaries and allowances 22.4 22.8 0.3 Non-personnel expenses 203.6 208.3 4.7 Commissions on bank agency services, etc. paid to JAPAN POST Co., Ltd. 79.9 79.6 (0.2) Contributions paid to the Organization for Postal Savings, Postal Life Insurance and Post Office Network 65.7 68.4 2.7 Deposit insurance expenses paid to Deposit Insurance Corporation of Japan 6.9 5.4 (1.5) Expenses on consigned businesses 17.7 19.6 1.9 Depreciation and amortization 12.5 13.0 0.4 IT expenses 4.8 4.7 (0.0) Taxes and dues 9.7 9.3 (0.3) Total 239.9 243.9 3.9 (¥bn) * Personnel expenses include non-recurring losses. 237.1 239.9 243.9 911.5 941.0 0 200 400 600 800 1,000 1,200 FY2025/3 FY2026/3 FY2027/3 April - June July - March (¥bn)
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Copyright© JAPAN POST BANK All Rights Reserved. Trend of Deposit Balance 5. Financial Conditions ◼ Total assets were ¥221.4 tn as of June 30, 2026. ◼ As of June 30, 2026, Deposits were ¥186.2 tn, Liquid deposits were ¥126.4 tn, Fixed-term deposits were ¥59.7 tn. Non-consolidatedNon-consolidated ¥145.3 tn ¥186.2 tn Others ¥25.9 tn DepositsSecurities Total assets ¥221.4 tn (As of June 30, 2026) ¥9.2 tn JGBs ¥42.4 tn Foreign securities, etc. ¥87.6 tn Overview of Balance Sheet Net assetsMoney held in trust ¥6.5 tn Loans ¥6.1 tn Others ¥76.1 tn （Fiscal year-end） 7 Cash and due from banks* ¥48.4 tn (¥tn) * Cash and due from banks include Bank of Japan deposits. （Period-end） 64.3 60.8 125.9 125.1 190.4 186.1 0 50 100 150 200 FY2025/3 FY2026/3 63.3 59.7 127.5 126.4 190.9 186.2 FY2026/3 1Q FY2027/3 1Q Liquid deposits Fixed-term deposits
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Copyright© JAPAN POST BANK All Rights Reserved. 6. Asset Management Status (¥bn) ◼ Included in investment assets as of June 30, 2026, JGBs were ¥42.4 tn and foreign securities, etc. were ¥87.6 tn. Categories As of March 31, 2026 (A) % As of June 30, 2026 (B) % Increase (Decrease) (B) – (A) Securities 145,374.0 65.1 145,341.5 66.6 (32.5) Japanese government bonds 41,437.8 18.5 42,402.7 19.4 964.8 Japanese local government bonds, corporate bonds, etc.*1 15,679.0 7.0 15,326.9 7.0 (352.1) Foreign securities, etc. 88,257.0 39.5 87,611.8 40.1 (645.2) Foreign bonds 29,013.6 13.0 29,422.4 13.4 408.7 Investment trusts*2 59,056.6 26.4 57,995.0 26.5 (1,061.5) Money held in trust 6,222.8 2.7 6,521.7 2.9 298.9 Domestic stocks 800.8 0.3 811.1 0.3 10.2 Loans 4,372.1 1.9 6,164.1 2.8 1,791.9 Due from banks, etc.*3 54,527.0 24.4 48,625.8 22.2 (5,901.1) Short-term investments and others*4 12,600.7 5.6 11,464.3 5.2 (1,136.4) Total 223,096.8 100.0 218,117.6 100.0 (4,979.2) *1 “Japanese local government bonds, corporate bonds, etc.” consists of Japanese local government bonds, short-term corporate bonds, Japanese corporate bonds and Japanese stocks. *2 Investment trusts are mainly invested in foreign bonds. Investment trusts include private equity funds, etc. *3 “Due from banks, etc.” consists of negotiable certificates of deposit, Bank of Japan deposits and monetary claims bought. *4 “Short-term investments and others” consists of call loans and receivables under resale agreements, etc. Non-consolidated （Fiscalyear-end） JGBs Japanese local government bonds, corporate bonds, etc. Foreign securities, etc. Money held in trust Loans Due from banks, etc. Short-term Investments and others 8 （Period-end） 38.1 43.8 40.3 41.4 42.4 16.2 15.9 15.7 15.6 15.3 78.3 86.6 87.4 88.2 87.6 6.5 6.1 5.7 6.2 6.5 5.6 6.8 3.1 4.3 6.1 68.2 57.8 64.8 54.5 48.6 13.1 13.7 12.9 12.6 11.4 226.3 231.0 230.2 223.0 218.1 0 50 100 150 200 250 FY2023/3 FY2024/3 FY2025/3 FY2026/3 FY2027/3 1Q (¥tn)
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Copyright© JAPAN POST BANK All Rights Reserved. 7. Unrealized Gains (Losses) on Financial Instruments ◼ Net unrealized gains (losses) on financial instruments (available-for-sale) after taking into consideration gains (losses) from hedge accounting were ¥(1,080.7) bn as of June 30, 2026 (before application of tax effect accounting, etc.), increased by ¥152.6 bn from March 31, 2026. Non-consolidated * Investment trusts are mainly invested in foreign bonds. Net unrealized gains on investment trusts include those of private equity funds (¥1,393.3 bn and ¥1,447.8 bn as of June30, 2026 and March 31, 2026, respectively). As of March 31, 2026 (A) As of June 30, 2026 (B) Increase (Decrease) (B) – (A) Amount on the balance sheet / Notional amount Net unrealized gains (losses) / Net deferred gains (losses) Amount on the balance sheet / Notional amount Net unrealized gains (losses) / Net deferred gains (losses) Net unrealized gains (losses) / Net deferred gains (losses) Available-for-sale 99,310.1 904.7 97,742.3 1,041.6 136.9 Securities (a) 93,087.2 2,596.9 91,220.5 2,660.1 63.2 Japanese government bonds 10,586.0 (2,527.3) 10,425.2 (2,761.1) (233.7) Foreign bonds 19,333.0 3,588.9 19,148.1 3,661.0 72.1 Investment trusts* 59,056.6 1,699.8 57,995.0 1,922.1 222.3 Others 4,111.5 (164.5) 3,652.1 (161.9) 2.6 Effect of fair value hedge accounting (b) (1,954.0) (1,935.6) 18.3 Money held in trust (c) 6,222.8 261.8 6,521.7 317.1 55.3 Domestic stocks 800.8 360.8 811.1 419.1 58.2 Others 5,421.9 (99.0) 5,710.6 (102.0) (2.9) Derivatives for which deferred hedge accounting is applied (d) 15,314.4 (2,138.1) 14,800.6 (2,122.4) 15.6 Total (a) + (b) + (c) + (d) (1,233.3) (1,080.7) 152.6 (¥bn) 9
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Copyright© JAPAN POST BANK All Rights Reserved. Regulatory level of capital adequacy ratio : 4% or greater 15.53 15.01 15.08 14.93 15.15 0 10 20 FY2023/3 FY2024/3 FY2025/3 FY2026/3 FY2027/3 1Q （%） 8. Trend of Capital Adequacy Ratio, etc. As of March 31, 2026 (A) As of June 30, 2026 (B) Increase (Decrease) (B) – (A) Total capital (a) 9,572.0 9,660.3 88.3 Total amount of risk- weighted assets (b) 64,072.8 63,732.8 (339.9) Credit risk-weighted assets 57,096.0 56,680.0 (415.9) Capital adequacy ratio (a) / (b) 14.93% 15.15% 0.21% (¥bn, %)【Trend of capital adequacy ratio】 As of March 31, 2026 (A) As of June 30, 2026 (B) Increase (Decrease) (B) – (A) CET1 ratio (fully implemented basis)*2 9.85% 10.09% 0.24% Excluding unrealized gains on available-for- sale securities 9.85% 10.09% 0.24% CET1 ratio (transitional basis)*3 11.03% 11.34% 0.31% Excluding unrealized gains on available-for- sale securities 11.03% 11.34% 0.31% 【CET1 (Common Equity Tier1 capital) ratio (international standard, estimate)】 (%) ◼ Capital adequacy ratio (domestic standard) was 15.15% as of June 30, 2026. ◼ CET1 ratio (international standard, fully implemented basis, excluding unrealized gains on available-for- sale securities) was 10.09% (11.34%, transitional basis). Consolidated 10 *2 Based on the finalization and full implementation of Basel III at the end of FY2029/3, the calculation of some items is simplified. *3 The calculation of some items is simplified. (Fiscal year-end) 【Capital adequacy ratio (domestic standard)】 *1 Based on the finalization and full implementation of Basel III basis, excluding unrealized gains on available-for-sale securities. (Fiscal year-end) (Period-end) (Period-end) 14.01 13.23 11.77 11.03 11.34 9.85 10.09 5 10 15 FY2023/3 FY2024/3 FY2025/3 FY2026/3 FY2027/3 CET1 ratio (transirional basis) CET1 ratio (fully implemented basis) （%） 【Trend of CET1 ratio】 Target range of CET1 ratio*1 : 11–13% in normal times (Financial target in the Medium-Term Management Plan (FY2027/3 – FY2029/3)) 0 FY2027/3 1Q
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Financial Data
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Copyright© JAPAN POST BANK All Rights Reserved. 1. Summarized Balance Sheets As of March 31, 2026 (A) As of June 30, 2026 (B) Increase (Decrease) (B) – (A) Total assets 226,503,549 221,452,254 (5,051,294) Cash and due from banks 54,336,427 48,437,755 (5,898,672) Call loans 1,760,000 1,475,000 (285,000) Receivables under resale agreements 8,270,151 7,407,733 (862,418) Monetary claims bought 517,916 506,580 (11,335) Trading account securities 214 436 221 Money held in trust 6,222,830 6,521,793 298,963 Securities 145,374,043 145,341,530 (32,512) Loans 4,372,193 6,164,176 1,791,983 Foreign exchanges 178,799 199,314 20,515 Other assets 4,691,301 4,678,155 (13,145) Tangible fixed assets 175,851 173,234 (2,617) Intangible fixed assets 97,367 92,412 (4,955) Prepaid pension costs 10,960 11,401 440 Deferred tax assets 496,707 443,904 (52,802) Reserve for possible loan losses (1,214) (1,175) 39 (Millions of yen) As of March 31, 2026 (A) As of June 30, 2026 (B) Increase (Decrease) (B) – (A) Total liabilities and net assets 226,503,549 221,452,254 (5,051,294) Total liabilities 217,313,495 212,240,726 (5,072,768) Deposits 186,113,094 186,261,256 148,161 Payables under repurchase agreements 22,517,468 17,541,574 (4,975,894) Payables under securities lending transactions 2,433,717 2,161,412 (272,305) Borrowed money 2,819,400 2,819,400 － Foreign exchanges 939 685 (254) Other liabilities 3,380,399 3,414,457 34,057 Reserve for bonuses 7,519 1,834 (5,684) Reserve for bonuses for management board 183 － (183) Reserve for employee stock ownership plan trust 432 206 (226) Reserve for management board benefit trust 732 712 (20) Reserve for reimbursement of deposits 39,607 39,187 (419) Total net assets 9,190,054 9,211,527 21,473 Capital stock 3,500,000 3,500,000 － Capital surplus 3,500,000 3,500,000 － Retained earnings 3,057,327 2,972,062 (85,265) Treasury stock (31,485) (31,604) (118) Total shareholders’ equity 10,025,842 9,940,457 (85,384) Net unrealized gains (losses) on available-for-sale securities 628,489 724,525 96,036 Net deferred gains (losses) on hedges (1,464,276) (1,453,454) 10,821 Total valuation and translation adjustments (835,787) (728,929) 106,858 Non-consolidated 12
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Copyright© JAPAN POST BANK All Rights Reserved. 2. Income Analysis For the three months ended (B) – (A)June 30, 2025 (A) June 30, 2026 (B) Gross operating profit 255,661 432,674 177,012 Net interest income 228,766 407,120 178,353 Net fees and commissions 40,890 42,482 1,592 Net other operating income (loss) (13,995) (16,928) (2,933) Gains (losses) on foreign exchanges (13,943) (16,978) (3,034) Gains (losses) on bonds (133) (43) 90 General and administrative expenses (239,921) (244,760) (4,839) Personnel expenses (26,591) (27,000) (408) Non-personnel expenses (203,609) (208,367) (4,757) Taxes and dues (9,719) (9,392) 326 Operating profit (before provision for general reserve for possible loan losses) 15,740 187,913 172,173 Core net operating profit 15,873 187,956 172,083 Excluding gains (losses) on cancellation of investment trusts 16,187 161,801 145,614 Provision for general reserve for possible loan losses (24) － 24 Net operating profit 15,715 187,913 172,197 (Millions of yen) Non-consolidated Notes: 1. General and administrative expenses exclude non-recurring losses. 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. 13 For the three months ended (B) – (A)June 30, 2025 (A) June 30, 2026 (B) Non-recurring gains (losses) 118,975 67,105 (51,869) Gains (losses) related to stocks 8,516 (5,912) (14,428) Gains (losses) on money held in trust 105,977 78,839 (27,137) Gains (losses) on sales of stocks 95,534 55,111 (40,422) Impairment losses (19) (1,816) (1,796) Net ordinary income 134,691 255,019 120,327 Extraordinary income (loss) (70) (2) 67 Gains (losses) on sales and disposals of fixed assets (10) (2) 8 Losses on impairment of fixed assets (59) － 59 Income before income taxes 134,621 255,017 120,395 Income taxes – current (36,883) (72,981) (36,097) Income taxes – deferred (2,459) (3,629) (1,170) Total income taxes (39,342) (76,610) (37,268) Net income 95,278 178,406 83,127 Credit-related expenses (8) (11) (3) Provision for general reserve for possible loan losses (8) (11) (3)
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Copyright© JAPAN POST BANK All Rights Reserved. 3. Net Interest Income Non-consolidated For the three months ended Increase (Decrease) (B) – (A)June 30, 2025 (A) June 30, 2026 (B) Net interest income 124,575 170,455 45,880 Interest income 223,186 318,361 95,175 Interest on Japanese government bonds 79,364 109,826 30,462 Interest expenses 98,610 147,905 49,295 (1) Domestic (2) Overseas For the three months ended Increase (Decrease) (B) – (A)June 30, 2025 (A) June 30, 2026 (B) Net interest income 104,190 236,664 132,473 Interest income 262,567 413,434 150,866 Interest on foreign securities 261,190 411,865 150,675 Interest expenses 158,377 176,770 18,393 (3) Total For the three months ended Increase (Decrease) (B) – (A)June 30, 2025 (A) June 30, 2026 (B) Net interest income 228,766 407,120 178,353 Interest income 452,409 678,116 225,706 Interest expenses 223,642 270,996 47,353 (Millions of yen) Notes: 1. “Domestic” represents yen-denominated transactions while “overseas” represents foreign currency-denominated transactions (except that yen-denominated transactions with non-residents of Japan are included in “overseas”). 2. Interest income from “domestic” and expenses from “overseas” include interest on transactions between “domestic” and “overseas,” respectively (three months ended June 30, 2026, ¥53,679 million; three months ended June 30, 2025, ¥33,344 million). The interest is offset to calculate totals. (Millions of yen) (Millions of yen) 14
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Copyright© JAPAN POST BANK All Rights Reserved. 4. Interest Rate Spread For the three months ended Increase (Decrease) (B) – (A)June 30, 2025 (A) June 30, 2026 (B) Yield on interest-earning assets (a) 0.81% 1.26% 0.45% Total cost of funding (including general and administrative expenses) (b) 0.86 1.01 0.14 Interest rate on interest-bearing liabilities (c) 0.41 0.53 0.11 Overall interest rate spread (a) - (b) (0.05) 0.25 0.30 Interest rate spread (a) - (c) 0.39 0.73 0.33 Non-consolidated 15 Note: All numbers are annualized.
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Copyright© JAPAN POST BANK All Rights Reserved. 5. Average Balance, Interest, and Earnings Yield of Interest-Earning Assets and Interest-Bearing Liabilities (Millions of yen, %) Non-consolidated 16 For the three months ended Increase (Decrease) (B) – (A)June 30, 2025 (A) June 30, 2026 (B) Average balance Interest Earnings yield Average balance Interest Earnings yield Earnings yield Interest-earning assets 223,312,128 452,409 0.81% 215,101,080 678,116 1.26% 0.45% Loans 3,565,464 4,761 0.53 5,327,673 11,826 0.89 0.35 Securities 144,798,894 357,866 0.99 147,891,966 548,096 1.48 0.49 Due from banks, etc. 64,587,937 78,507 0.48 51,645,383 98,214 0.76 0.27 Interest-bearing liabilities 213,883,481 223,642 0.41 204,194,669 270,996 0.53 0.11 Deposits 190,404,467 69,364 0.14 186,052,547 110,956 0.23 0.09 Payables under repurchase agreements 24,678,349 76,041 1.23 19,161,675 73,430 1.53 0.30 Notes: 1. Income and expenses for money held in trust are included in “other ordinary income” and “other ordinary expenses,” respectively. Accordingly, the average balance of money held in trust (three months ended June 30, 2026, ¥6,019,180 million; three months ended June 30, 2025, ¥5,617,133 million) is excluded from interest-earning assets, and the average balance corresponding to money held in trust (three months ended June 30, 2026, ¥6,019,180 million; three months ended June 30, 2025, ¥5,617,133 million) and the corresponding interest (three months ended June 30, 2026, ¥7,988 million; three months ended June 30, 2025, ¥5,873 million) are excluded from interest-bearing liabilities. 2. For investment trusts, the distribution of profits, which was deducted from the book value as the repayment of principal, was ¥669 million for the three months ended June 30, 2026 (¥383 million for the three months ended June 30, 2025). 3. “Due from banks, etc.” consists of negotiable certificates of deposit, Bank of Japan deposits, call loans and monetary claims bought. 4. Earnings yield is annualized.
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Copyright© JAPAN POST BANK All Rights Reserved. 6. Asset Management Status Non-consolidated As of March 31, 2026 (A) As of June 30, 2026 (B) Increase (Decrease) (B) – (A) Amount % Amount % Amount Due from banks, etc. 54,527,026 24.44 48,625,839 22.29 (5,901,186) Call loans 1,760,000 0.78 1,475,000 0.67 (285,000) Receivables under resale agreements 8,270,151 3.70 7,407,733 3.39 (862,418) Money held in trust 6,222,830 2.78 6,521,793 2.99 298,963 Domestic stocks 800,874 0.35 811,164 0.37 10,289 Domestic bonds 1,059,688 0.47 1,039,262 0.47 (20,426) Securities 145,374,043 65.16 145,341,530 66.63 (32,512) Japanese government bonds 41,437,884 18.57 42,402,745 19.44 964,860 Japanese local government bonds 5,573,898 2.49 5,460,261 2.50 (113,636) Short-term corporate bonds 823,599 0.36 610,911 0.28 (212,687) Japanese corporate bonds 9,206,311 4.12 9,165,209 4.20 (41,102) Japanese stocks 75,271 0.03 90,551 0.04 15,279 Other securities 88,257,077 39.55 87,611,851 40.16 (645,225) Foreign bonds 29,013,681 13.00 29,422,463 13.48 408,781 Investment trusts 59,056,643 26.47 57,995,044 26.58 (1,061,599) Loans 4,372,193 1.95 6,164,176 2.82 1,791,983 Others 2,570,641 1.15 2,581,577 1.18 10,936 Total 223,096,885 100.00 218,117,651 100.00 (4,979,234) (Millions of yen, %) Notes: 1. “Due from banks, etc.” consists of negotiable certificates of deposit, Bank of Japan deposits and monetary claims bought. 2. Investment trusts are mainly invested in foreign bonds. Investment trusts include private equity funds, etc. 17
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Copyright© JAPAN POST BANK All Rights Reserved. 7. Unrealized Gains (Losses) on Financial Instruments Non-consolidated (1) Available-for-sale Securities As of March 31, 2026 (A) As of June 30, 2026 (B) Increase (Decrease) (B) – (A) Amount on the balance sheet Net unrealized gains (losses) Amount on the balance sheet Net unrealized gains (losses) Amount on the balance sheet Net unrealized gains (losses) Japanese stocks 64,950 (993) 80,209 6,286 15,259 7,279 Bonds 14,042,086 (2,674,674) 13,410,485 (2,910,896) (631,601) (236,221) Japanese government bonds 10,586,012 (2,527,336) 10,425,267 (2,761,103) (160,744) (233,766) Japanese local government bonds 541,180 (8,402) 478,209 (6,844) (62,970) 1,557 Short-term corporate bonds 823,599 － 610,911 － (212,687) － Japanese corporate bonds 2,091,294 (138,936) 1,896,096 (142,948) (195,198) (4,012) Others 78,980,255 5,272,581 77,729,892 5,564,781 (1,250,363) 292,199 Foreign bonds 19,333,062 3,588,967 19,148,155 3,661,073 (184,906) 72,106 Investment trusts 59,056,643 1,699,820 57,995,044 1,922,132 (1,061,599) 222,311 Total (a) 93,087,292 2,596,913 91,220,587 2,660,170 (1,866,705) 63,257 (Millions of yen) Notes: 1. Available-for-sale Securities shown above include negotiable certificates of deposit, which is recorded under “cash and due from banks,” and “monetary claims bought,” in addition to “securities.” 2. Net unrealized gains (losses) shown above are calculated by deducting the acquisition cost from the amount on the balance sheet. 3. Investment trusts are mainly invested in foreign bonds. Net unrealized gains on investment trusts include those of private equity funds. 4. No impairment loss was recognized for the three months ended June 30, 2026. Impairment loss for the fiscal year ended March 31, 2026 amounted to ¥162 million. Available-for-sale As of March 31, 2026 (A) As of June 30, 2026 (B) Increase (Decrease) (B) – (A) Total net unrealized gains (losses) (a) + (b) + (c) + (d) (1,233,391) (1,080,768) 152,623 (Millions of yen) 18 Effect of fair value hedge accounting (b) (1,954,026) (1,935,695) 18,330
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Copyright© JAPAN POST BANK All Rights Reserved. 7. Unrealized Gains (Losses) on Financial Instruments Non-consolidated (2) Money Held in Trust Classified as Available-for-sale As of March 31, 2026 (A) As of June 30, 2026 (B) Increase (Decrease) (B) – (A) Amount on the balance sheet Net unrealized gains (losses) Amount on the balance sheet Net unrealized gains (losses) Amount on the balance sheet Net unrealized gains (losses) Money held in trust classified as available-for-sale (c) 6,222,830 261,830 6,521,793 317,177 298,963 55,347 Domestic stocks 800,874 360,896 811,164 419,192 10,289 58,295 Domestic bonds 1,059,688 (214,636) 1,039,262 (232,186) (20,426) (17,550) (Millions of yen) (3) Derivatives under Hedge Accounting (Deferred Hedge Accounting) (Millions of yen) As of March 31, 2026 (A) As of June 30, 2026 (B) Increase (Decrease) (B) – (A) Notional amount Net deferred gains (losses) Notional amount Net deferred gains (losses) Notional amount Net deferred gains (losses) Interest rate swaps 7,356,480 209,512 6,759,178 251,182 (597,302) 41,669 Currency swaps 7,957,953 (2,347,621) 8,041,468 (2,373,603) 83,515 (25,981) Foreign exchange forward contracts － － － － － － Total (d) 15,314,434 (2,138,108) 14,800,646 (2,122,420) (513,787) 15,688 Notes: 1. Net deferred gains (losses) are those before application of tax effect accounting, etc. 2. Hedged instruments are mainly available-for-sale securities. 【Reference】 Held-to-maturity (Millions of yen) Notes: 1. Net unrealized gains (losses) shown above are calculated by deducting the acquisition cost from the amount on the balance sheet. 2. Impairment losses for the three months ended June 30, 2026 and the fiscal year ended March 31, 2026 amounted to ¥1,816 million and ¥3,285 million, respectively. As of March 31, 2026 (A) As of June 30, 2026 (B) Increase (Decrease) (B) – (A) Amount on the balance sheet Net unrealized gains (losses) Amount on the balance sheet Net unrealized gains (losses) Amount on the balance sheet Net unrealized gains (losses) Total 52,680,226 (4,293,965) 54,502,949 (4,887,927) 1,822,722 (593,961) Japanese government bonds 30,851,871 (4,314,582) 31,977,477 (4,941,443) 1,125,605 (626,861) Note: Net unrealized gains (losses) shown above are calculated by deducting the amount on the balance sheet from the fair value. 19
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Copyright© JAPAN POST BANK All Rights Reserved. 8. General and Administrative Expenses For the three months ended Increase (Decrease) (B) – (A)June 30, 2025 (A) June 30, 2026 (B) Amount % Amount % Amount Personnel expenses 26,626 11.09 26,184 10.73 (442) Salaries and allowances 22,480 9.36 22,836 9.36 355 Others 4,146 1.72 3,348 1.37 (797) Non-personnel expenses 203,609 84.85 208,367 85.41 4,757 Commissions on bank agency services, etc. paid to JAPAN POST Co., Ltd. 79,916 33.30 79,675 32.66 (240) Contributions paid to the Organization for Postal Savings, Postal Life Insurance and Post Office Network* 65,769 27.40 68,495 28.07 2,725 Deposit insurance expenses paid to Deposit Insurance Corporation of Japan 6,941 2.89 5,400 2.21 (1,541) Rent for land, buildings and others 2,574 1.07 2,772 1.13 197 Expenses on consigned businesses 17,711 7.38 19,611 8.03 1,900 Depreciation and amortization 12,565 5.23 13,001 5.32 436 Communication and transportation expenses 3,830 1.59 3,792 1.55 (38) Maintenance expenses 4,386 1.82 4,431 1.81 44 IT expenses 4,809 2.00 4,748 1.94 (61) Others 5,103 2.12 6,439 2.63 1,335 Taxes and dues 9,719 4.05 9,392 3.85 (326) Total 239,956 100.00 243,944 100.00 3,988 * The Bank makes payments of contributions to the Organization for Postal Savings, Postal Life Insurance and Post Office Network in accordance with Article 18-3 of the Act on Organization for Postal Savings, Postal Life Insurance and Post Office Network. (Millions of yen, %) Non-consolidated 20
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Copyright© JAPAN POST BANK All Rights Reserved. Non-consolidated (Millions of yen, %) Notes: 1. “Domestic” represents loans to residents of Japan, while “overseas” represents loans to non-residents of Japan. 2. Of “finance and insurance,” loans to the Organization for Postal Savings, Postal Life lnsurance and Post Office Network, were ¥6,650 million and ¥6,650 million as of June 30, 2026 and March 31, 2026, respectively. 3. “Others” in “domestic” represents loans to individuals. As of March 31, 2026 (A) As of June 30, 2026 (B) Increase (Decrease) (B) – (A) Amount % Amount % Amount Domestic (excluding Japan Offshore Market accounts) 4,361,193 100.00 6,153,176 100.00 1,791,983 Agriculture, forestry, fisheries, and mining － － － － － Manufacturing 219,700 5.03 226,949 3.68 7,249 Utilities, information/communications, and transportation 178,900 4.10 186,645 3.03 7,744 Wholesale and retail 56,224 1.28 56,217 0.91 (7) Finance and insurance 201,516 4.62 219,333 3.56 17,817 Construction and real estate 118,155 2.70 121,904 1.98 3,749 Services and goods rental/leasing 119,360 2.73 122,571 1.99 3,210 Central and local governments 3,408,950 78.16 5,168,981 84.00 1,760,030 Others 58,384 1.33 50,572 0.82 (7,811) Overseas and Japan Offshore Market accounts 11,000 100.00 11,000 100.00 － Governments － － － － － Others 11,000 100.00 11,000 100.00 － Total 4,372,193 6,164,176 1,791,983 9. Loans 21
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Copyright© JAPAN POST BANK All Rights Reserved. 10. Balances by Type of Deposit Non-consolidated (Millions of yen, %) As of March 31, 2026 (A) As of June 30, 2026 (B) Increase (Decrease) (B) – (A) Amount % Amount % Amount Liquid deposits 125,137,657 67.23 126,407,500 67.86 1,269,842 Transfer deposits 11,877,911 6.38 12,369,805 6.64 491,893 Ordinary deposits, etc. 112,450,563 60.42 113,240,335 60.79 789,772 Savings deposits 809,182 0.43 797,358 0.42 (11,823) Fixed-term deposits 60,850,969 32.69 59,731,587 32.06 (1,119,382) Time deposits 10,290,352 5.52 10,481,732 5.62 191,379 TEIGAKU deposits 50,560,617 27.16 49,249,855 26.44 (1,310,762) Other deposits 124,467 0.06 122,168 0.06 (2,298) Subtotal 186,113,094 100.00 186,261,256 100.00 148,161 Negotiable certificates of deposit － － － － － Total 186,113,094 100.00 186,261,256 100.00 148,161 Deposits including accrued interest 186,158,142 186,312,642 154,500 Notes: 1. Ordinary deposits, etc. = Ordinary deposits + Special deposits (equivalent to ordinary savings) 2. Special deposits (equivalent to ordinary savings) are the portion of deposits received from the Organization for Postal Savings, Postal Life lnsurance and Post Office Network, corresponding to savings for time savings, TEIGAKU savings, installment savings, savings for housing installments, and education installment savings that had reached full term and were passed on to the organization by Japan Post Corporation. 3. TEIGAKU deposits are a kind of 10-year-maturity time deposits unique to the Bank. The key feature is that depositors have the option to withdraw money anytime six months after the initial deposit. The interest rates on such deposits rise every six months in a staircase pattern, with duration of up to three years. After three years, the interest is compounded using fixed interest rates until the maturity of 10 years. 22
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Copyright© JAPAN POST BANK All Rights Reserved. 11. Problem Assets Disclosed under the Financial Reconstruction Act Non-consolidated (Millions of yen, %) 23 As of March 31, 2026 (A) As of June 30, 2026 (B) Increase (Decrease) (B) – (A) Loans to borrowers classified as bankrupt or quasi-bankrupt － － － Loans to borrowers classified as doubtful 0 1 0 Loans requiring close monitoring － － － Subtotal (a) 0 1 0 Loans to borrowers classified as normal 4,558,197 6,376,021 1,817,824 Total (b) 4,558,197 6,376,022 1,817,824 Non-performing loan ratio (a) / (b) 0.00% 0.00% 0.00%
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Copyright© JAPAN POST BANK All Rights Reserved. (Reference) Asset Balances by Portfolio Non-consolidated (Billions of yen) 24 As of March 31, 2026 (A) As of June 30, 2026 (B) Increase (Decrease) (B) – (A) Yen interest rate assets 104,556.5 100,976.6 (3,579.9) Japanese government bonds and government guaranteed bonds 45,017.2 45,979.3 962.1 Short-term assets 59,539.3 54,997.2 (4,542.1) Risk assets 109,009.0 108,487.6 (521.3) Japanese local government bonds 5,573.8 5,460.2 (113.6) Corporate bonds, etc. 7,204.5 7,134.3 (70.1) Foreign securities, etc. 77,353.8 76,539.1 (814.7) Loans 2,484.2 2,501.5 17.3 Stocks, etc. 1,280.7 1,408.4 127.6 Strategic investment areas 15,111.6 15,443.8 332.2 Private equity funds (PE) 8,559.5 8,672.9 113.4 Real estate funds (equity・debt) 5,299.5 5,497.1 197.5 Others 1,252.5 1,273.7 21.2 Notes: 1. Since these figures are calculated on management accounting basis, they are not equal to the balances for each category on page 17 “Asset Management Status.” 2. “Others” in “strategic investment areas” is direct lending funds and infrastructure debt funds, etc.
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Copyright© JAPAN POST BANK All Rights Reserved. This presentation contains forward-looking statements including forecasts, targets and plans of the Group. These statements are based on estimates at the time in light of the information currently available to the Bank. The statements and assumptions may prove to be incorrect and may not be realized in the future. Any uncertainties, risks and other factors that may cause such a situation to arise include, but are not limited to, risks related to the effectiveness of risk management policies and procedures; market risks, market liquidity risks, credit risks and operational risks (such as risks related to the Bank's IT systems, the Bank's reputation, natural disasters, litigation and violations of applicable laws or regulations); risks related to Environmental, Social and Governance, or ESG, factors including climate change; risks related to business strategy and management planning; risks related to the expansion of the scope of operations; risks related to the business environment; risks related to the Bank's relationship with JAPAN POST HOLDINGS Co., Ltd. and JAPAN POST Co., Ltd.; risks related to domestic and overseas monetary policies; and other various risks. Please also see the Securities Report and the Semi-annual Securities Report for material facts that the Bank recognizes as potentially affecting the Group’s actual results, performance or financial position. The Group’s actual results, performance or financial position may be materially different from those expressed or implied by such forward-looking statements. The statements in this document are current as of the date of the document or the date otherwise specified, and the Bank has no obligation or intent to keep this information up to date. The information concerning companies or parties other than the Group and the Japan Post Group is based on publicly available and other information as cited, and the Bank has neither independently verified the accuracy and appropriateness of, nor makes any warranties with respect to, such information. The information of the document may be revised without prior notice. This document has been translated from the Japanese original for reference purposes only. In the event of any discrepancy between this translated document and the Japanese original, the original shall prevail.