Financial Ratios JAPAN POST BANK Co., Ltd.

Equities

7182

JP3946750001

Banks

Market Closed - Japan Exchange Other stock markets 02:00:00 2024-09-06 am EDT			5-day change	1st Jan Change
1,388.50 ^JPY	+0.25%		+1.80%	-3.31%

Jun. 27	Frontier Capital Inc. announced that it expects to receive ¥5 billion in funding from a group of investors	CI
Jun. 20	Japan Post Bank to expand JGB investment in light of BOJ taper plan	RE

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Published financial data: JAPAN POST BANK CO., LTD.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2020	2021	2022	2023	2024
Interest Income On Loans	7.19B	7.03B	6.68B	7.86B	6.12B
Interest Income On Investments	1,311B	1,191B	1,363B	1,236B	1,391B
Interest Income, Total	1,318B	1,198B	1,370B	1,244B	1,397B
Interest On Deposits	55.1B	38.32B	20.98B	12.96B	10.49B
Total Interest On Borrowings	292B	203B	206B	445B	688B
Interest Expense, Total	347B	241B	227B	458B	698B
Net Interest Income	971B	957B	1,143B	786B	699B
Trust Income	75.24B	277B	288B	247B	1,008B
Gain (Loss) on Sale of Assets	-532M	-560M	5.7B	-318M	-1.79B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	23.13B	-188B	-125B	75.36B	-288B
Income (Loss) on Equity Invest. (Income Block)	-	-	-	-	-
Total Other Non Interest Income	383B	463B	274B	488B	201B
Non Interest Income, Total	481B	551B	442B	810B	919B
Revenues Before Provison For Loan Losses	1,452B	1,508B	1,585B	1,595B	1,618B
Provision For Loan Losses	116M	-	126M	-	42M
Total Revenues	1,452B	1,508B	1,585B	1,595B	1,618B
Selling General & Admin Expenses, Total	1,020B	1,009B	981B	925B	928B
Total Other Non Interest Expense	54.09B	105B	107B	215B	196B
Non Interest Expense, Total	1,074B	1,114B	1,089B	1,140B	1,124B
EBT, Excl. Unusual Items	379B	394B	497B	455B	494B
Asset Writedown	-	-1.01B	-15M	-875M	-210M
Other Unusual Items	26M	-	-1M	-1M	-1M
EBT, Incl. Unusual Items	379B	393B	497B	454B	494B
Income Tax Expense	106B	113B	142B	123B	139B
Earnings From Continuing Operations	273B	280B	354B	332B	355B
Net Income to Company	273B	280B	354B	332B	355B
Minority Interest	485M	600M	844M	-6.6B	1B
Net Income - (IS)	273B	280B	355B	325B	356B
Net Income to Common Incl Extra Items	273B	280B	355B	325B	356B
Net Income to Common Excl. Extra Items	273B	280B	355B	325B	356B
Per Share Items
Net EPS - Basic	72.94	74.73	94.72	86.85	98.43
Basic EPS - Continuing Operations	72.94	74.73	94.72	86.85	98.43
Basic Weighted Average Shares Outstanding	3.75B	3.75B	3.75B	3.74B	3.62B
Net EPS - Diluted	72.94	74.73	94.72	86.85	98.43
Diluted EPS - Continuing Operations	72.94	74.73	94.72	86.85	98.43
Diluted Weighted Average Shares Outstanding	3.75B	3.75B	3.75B	3.74B	3.62B
Normalized Basic EPS	63.25	65.79	83.02	74.25	85.66
Normalized Diluted EPS	63.25	65.79	83.02	74.25	85.66
Dividend Per Share	50	50	50	50	51
Payout Ratio	68.59	33.49	52.8	57.67	51.44
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	27.91	28.81	28.67	27	28.12
Total Current Taxes	-	-	-	-	-
Total Deferred Taxes	-	-	-	-	-
Normalized Net Income	237B	247B	311B	278B	310B
Non-Cash Pension Expense	-922M	-1.12B	-891M	-561M	-537M

Fiscal Period: March	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	51,665B	60,769B	66,668B	68,223B	57,724B
Investment Securities, Total	145,365B	148,288B	149,836B	143,318B	156,748B
Trading Asset Securities, Total	31M	13M	11M	19M	54M
Total investments	145,365B	148,288B	149,836B	143,318B	156,748B
Gross Loans	6,002B	6,082B	6,912B	8,064B	8,858B
Allowance For Loan Losses	-1.03B	-935M	-1.06B	-1.04B	-1.08B
Net Loans	6,001B	6,081B	6,911B	8,063B	8,857B
Gross Property Plant And Equipment	-	-	-	-	-
Accumulated Depreciation	-	-	-	-	-
Net Property Plant And Equipment	194B	198B	193B	191B	198B
Other Intangibles, Total	47.32B	48.29B	53.7B	77.73B	87.62B
Accrued Interest Receivable	-	-	-	-	-
Other Receivables	-	-	-	-	-
Restricted Cash	4,550B	5,548B	5,828B	6,565B	6,164B
Other Current Assets, Total	147B	80.85B	214B	125B	181B
Deferred Tax Assets Long-Term (Collected)	125B	93M	77M	24.37B	58.06B
Other Long-Term Assets, Total	2,816B	2,858B	3,250B	2,995B	3,889B
Total Assets	210,911B	223,871B	232,954B	229,582B	233,908B
Liabilities
Accounts Payable, Total	-	-	-	-	-
Accrued Expenses, Total	7.48B	7.58B	7.4B	7.34B	7.5B
Interest Bearing Deposits	183,002B	189,589B	193,439B	194,949B	192,801B
Non-Interest Bearing Deposits	-	-	-	-	-
Total Deposits	183,002B	189,589B	193,439B	194,949B	192,801B
Short-Term Borrowings	14,856B	14,886B	19,462B	18,317B	24,043B
Long-Term Debt	2,229B	5,422B	7,118B	3,574B	4,359B
Current Income Taxes Payable	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	-	-	-	-	-
Unearned Revenue Non Current	-	-	-	-	-
Pension & Other Post Retirement Benefits	134B	134B	135B	135B	2.06B
Deferred Tax Liability Non-Current	-	826B	306B	-	-
Other Non Current Liabilities	1,679B	1,611B	2,185B	2,949B	2,988B
Total Liabilities	201,908B	212,476B	222,652B	219,930B	224,200B
Common Stock, Total	3,500B	3,500B	3,500B	3,500B	3,500B
Additional Paid In Capital	4,296B	4,297B	3,500B	3,500B	3,500B
Retained Earnings	2,564B	2,750B	2,414B	2,482B	2,575B
Treasury Stock	-1,301B	-1,301B	-902M	-24.51B	-1.52B
Comprehensive Income and Other	-65.93B	2,124B	857B	158B	93.78B
Total Common Equity	8,993B	11,370B	10,270B	9,615B	9,667B
Minority Interest	9.94B	24.74B	32.04B	36.78B	41.09B
Total Equity	9,003B	11,395B	10,302B	9,652B	9,708B
Total Liabilities And Equity	210,911B	223,871B	232,954B	229,582B	233,908B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	3.75B	3.75B	3.75B	3.62B	3.62B
ECS Total Common Shares Outstanding	3.75B	3.75B	3.75B	3.67B	3.62B
Book Value / Share	2.4K	3.03K	2.74K	2.62K	2.67K
Tangible Book Value	8,946B	11,322B	10,217B	9,537B	9,579B
Tangible Book Value Per Share	2.39K	3.02K	2.73K	2.6K	2.65K
Average Loans	4,958B	5,912B	4,646B	5,210B	5,913B
Total Debt	17,085B	20,309B	26,580B	21,891B	28,401B
Deposits at Interest - Cash	-	-	-	-	-
Debt Equivalent of Unfunded Proj. Benefit Obligation	134B	134B	135B	135B	132B
Net Debt	-44,425B	-50,182B	-49,950B	-56,371B	-39,066B
Full Time Employees	12.52K	12.45K	12.22K	11.81K	11.42K
Number Of Offices	-	-	-	-	-

Fiscal Period: March	2020	2021	2022	2023	2024
Net Income	379B	393B	497B	454B	494B
Depreciation, Depletion & Amortization	36.26B	35.03B	37.72B	34.23B	42.68B
Total Depreciation, Depletion & Amortization	36.26B	35.03B	37.72B	34.23B	42.68B
(Gain) Loss On Sale of Asset - (CF)	532M	1.57B	-5.68B	1.19B	2B
(Gain) Loss on Sale of Investments - (CF)	-19.91B	214B	190B	14.84B	308B
Total Asset Writedown	-	-	-	-	-
(Income) Loss On Equity Investments - (CF)	-239M	-289M	-288M	-320M	-311M
Change in Other Net Operating Assets (Collected)	1,132B	3,279B	5,115B	-6,017B	5,779B
Other Operating Activities	-596B	-1,078B	-2,017B	-493B	-4,396B
Cash from Operations	931B	2,845B	3,815B	-6,006B	2,229B
Capital Expenditure	-16.38B	-23.06B	-23.82B	-18.82B	-27.38B
Sale of Property, Plant, and Equipment	-	-	10.23B	391M	48M
Purchase / Sale of Intangible Assets	-9.19B	-14.16B	-21.84B	-28.58B	-35.58B
Investment in Marketable and Equity Securities, Total	-967B	-23.67B	-1,385B	6,851B	-11,149B
Other Investing Activities, Total	-795B	-187B	-165B	-467B	933B
Cash from Investing	-1,787B	-248B	-1,586B	6,337B	-10,278B
Issuance of Common Stock	82M	71M	52M	55M	44M
Repurchase of Common Stock	-358M	-295M	-195M	-93.9B	-57.29B
Common Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-188B	-93.8B	-187B	-187B	-183B
Common & Preferred Stock Dividends Paid	-188B	-93.8B	-187B	-187B	-183B
Net Increase (Decrease) in Deposit Accounts - (CF)	2,005B	6,587B	3,850B	1,510B	-2,148B
Other Financing Activities, Total	5.56B	14.89B	5.96B	-4.71B	3.78B
Cash from Financing	1,823B	6,507B	3,668B	1,224B	-2,385B
Foreign Exchange Rate Adjustments	223M	142M	69M	-	-
Miscellaneous Cash Flow Adjustments	-1M	-1M	-	-1M	-
Net Change in Cash	967B	9,104B	5,898B	1,556B	-10,434B
Supplemental Items
Cash Interest Paid	-	-	-	-	-
Cash Income Tax Paid (Refund)	77.72B	101B	178B	8.06B	202B

Fiscal Period: March	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.13	0.13	0.16	0.14	0.15
Return On Equity %	2.68	2.74	3.27	3.32	3.67
Return on Common Equity	2.69	2.75	3.28	3.27	3.69
Shareholders Value Added	-948B	-942B	-943B	-868B	-801B
Margin Analysis
SG&A Margin	70.21	66.94	61.91	57.98	57.35
Net Interest Income / Total Revenues %	66.87	63.48	72.11	49.25	43.2
EBT Excl. Non-Recurring Items Margin %	26.07	26.11	31.33	28.54	30.55
Income From Continuing Operations Margin %	18.79	18.54	22.35	20.79	21.95
Net Income Margin %	18.83	18.58	22.4	20.38	22.01
Net Avail. For Common Margin %	18.83	18.58	22.4	20.38	22.01
Normalized Net Income Margin	16.33	16.36	19.63	17.42	19.16
Asset quality
Allowance for Credit Losses / Total Loans %	0.02	0.02	0.02	0.01	0.01
Earning Assets / IBL	103.76	103.31	103.54	104.41	104.75
Capital And Funding
Total Average Common Equity / Total Average Assets %	4.85	4.68	4.74	4.3	4.16
Total Average Equity / Total Average Assets %	4.85	4.69	4.75	4.31	4.18
Total Equity + Allowance for Loan Losses / Total Loans %	149.86	186.97	148.6	119.24	109.14
Gross Loans / Total Deposits %	3.28	3.21	3.57	4.14	4.59
Net Loans / Total Deposits %	3.28	3.21	3.57	4.14	4.59
Tier 1 Capital Ratio %	-	-	-	-	-
Total Capital Ratio %	15.58	15.53	15.56	15.53	15.01
Tier 2 Capital Ratio	-	-	-	-	-
Interbank Ratio	-	-	-	-	-
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	2.3	2.94	3.41	2.02	1.72
EBT + Interest Expense / Interest Expense	2.09	2.63	3.19	1.99	1.71
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-3.9	-1.44	19.41	-31.28	-11.04
Non Interest Income, 1 Yr. Growth %	-0.6	14.44	-19.7	83.09	13.52
Total Revenues, 1 Yr. Growth %	-2.84	3.83	5.12	0.63	1.42
Earnings From Cont. Operations, 1 Yr. Growth %	2.7	2.41	26.72	-6.37	7.07
Net Income, 1 Yr. Growth %	2.72	2.45	26.75	-8.45	9.56
Normalized Net Income, 1 Yr. Growth %	2.24	4.02	26.18	-10.7	11.51
Diluted EPS Before Extra, 1 Yr. Growth %	2.72	2.45	26.75	-8.31	13.34
Dividend Per Share, 1 Yr. Growth %	0	0	0	0	2
Gross Loans, 1 Yr. Growth %	5.34	1.33	13.65	16.67	9.85
Allowance For Loan Losses, 1 Yr. Growth %	7.62	-9.31	12.83	-1.8	3.76
Net Loans, 1 Yr. Growth %	5.34	1.33	13.65	16.68	9.85
Total Assets, 1 Yr. Growth %	0.93	6.14	4.06	-1.45	1.88
Total Deposits, 1 Yr Growth %	1.11	3.6	2.03	0.78	-1.1
Tangible Book Value, 1 Yr. Growth %	-20.88	26.56	-9.76	-6.65	0.44
Average Interest Earning Assets, 1 Yr. Growth %	1.58	3.36	3.29	1.03	1.03
Average Interest Bearing Liabilities, 1 Yr. Growth %	2.13	3.81	3.06	0.19	0.69
Common Equity, 1 Yr. Growth %	-20.82	26.43	-9.67	-6.38	0.54
Total Equity, 1 Yr. Growth %	-20.76	26.56	-9.59	-6.31	0.58
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-8.93	-2.68	8.49	-9.41	-21.81
Non Interest Income, 2 Yr. CAGR %	-1.64	6.65	-4.14	21.25	44.17
Provision For Loan Losses, 2 Yr. CAGR %	-	-	4.22	-	-42.26
Total Revenues, 2 Yr. CAGR %	-6.7	0.44	4.47	2.85	1.03
Earnings From Cont. Operations, 2 Yr. CAGR %	-12.03	2.55	13.92	8.93	0.13
Net Income, 2 Yr. CAGR %	-11.96	2.59	13.95	7.72	0.15
Normalized Net Income, 2 Yr. CAGR %	-12.81	3.12	14.56	6.15	-0.21
Diluted EPS Before Extra, 2 Yr. CAGR %	-11.96	2.59	13.95	7.8	1.94
Dividend Per Share, 2 Yr. CAGR %	0	0	0	0	1
Gross Loans, 2 Yr. CAGR %