About POST BANK The Path of Value Creation 2018 The history of BANK extends back over 140 years. From a state-owned Medium-term Management Plan announced (FY2019/3 to FY2021/3) organization to a privately owned organization, the Bank has changed along with the times, though we have never wavered from our commitment to meet the expectation of our customers as the most accessible and trustworthy bank in Japan. With customers 2007 around the country using our services, we remain committed to maintaining the current JAPAN POST BANK (Privatized) value creation process and will continue to promote stable economic growth and the stable formation of assets for our customers. 2001 Postal Services Agency 1885 Ministry of Communications

2015 Shares listed on First Section of Stock Exchange

2007 2013 2018 JAPAN POST GROUP established Investment in ATM Japan Business Service., Ltd. Established Japan Post Investment Approval granted for new services (syndicated 2015 Corporation loans [participatory], acquisition or transfer of Contract signed covering installation of loans, interest rate swap transactions) Investment in JP Asset Management Co., Ltd. Japan Post Bank ATM in Aozora Bank 2003 2008 2016 branches JAPAN POST Approval granted for new services (credit card Co., Ltd. and FamilyMart 2019 Photo courtesy of Postal Museum Japan business, taking of applications for variable Co., Ltd. reached a basic agreement on a (Nippon Yusei Kosha, government-owned corporation) Launched transactions of “Yucho Pay” annuities policies, mortgage intermediary business tie-up smartphone settlement service operations) Invested in the first regional vitalization fund Began housing loan agency service for Photo courtesy of Postal Museum Japan 1949 Investment in SDP CENTER Co., Ltd. (Currently Issuance of regional prepaid VISA card, “mijica” Sony Bank Incorporated JAPAN POST BANK LOAN CENTER Co., Ltd.) 2017 Ministry of Posts and Telecommunications Launch of “JP BANK CARD” 2020 Launched mortgage intermediary operations Established the basic policy of customer-oriented Began housing loan agency service for Began taking of applications for variable annu- business operations Shinsei Bank, Limited ities policies for individuals Approval granted for new services (overdraft Launched “the Japan Post Bank Bankbook 1875 1949 2001 service, operations related to cooperation with App” service Postal money order service established Ministry of Posts and Telecommunications Alongside the reorganization of ministries 2009 regional financial institutions, etc., market Postal savings service established established and agencies, the Ministry of Posts and Began currency exchange transactions with investment related business) 1885 1981 Telecommunications, the Ministry of Home other financial institutions via Zengin Data Affairs, and the Ministry of Public Manage- Telecommunication System Ministry of Communications established Automatic teller machines (ATMs) for postal savings introduced ment consolidated to form the Ministry of 1906 Internal Affairs and Communications and Money Transfer service established 1999 the Postal Services Agency ATM/CD alliance service with private sector 1941 financial institutions launched 2003 Current JAPAN POST GROUP Structure (As of March 31, 2020) TEIGAKU (fixed-amount) deposits introduced JAPAN POST (Nippon Yusei Kosha, government-owned corporation) established Japanese Government JAPAN POST HOLDINGS Must own more than 1/3 stake 2005 [Postal Service Privatization Act] To incrementally dispose of its holdings until its ownership is Taking of applications for sales of invest- reduced to around 50% ment trusts began While considering the impact on the management status of the two financial subsidiaries and the fulfillment of the obligation to provide universal services, aims to dispose of all 2006 shares within the earliest possible timeframe [Postal Service Privatization Act] JAPAN POST HOLDINGS Co., Ltd. estab- Obligated to hold Shareholding Shareholding*1 lished as a preparatory company 100% stake 64% [Postal Service 89%*2 Privatization Act] JAPAN POST JAPAN POST BANK Postal and domestic logistics business Payment of commissions Payment of commissions International logistics business Postal counter operations We will continue to take up the challenge of becoming Banking counter operations Insurance counter operations *1: Shareholding of JAPAN POST HOLDINGS more than 50% New services: licensing system 50% or less “the most accessible and trustworthy bank in Japan.” New services: notification system Shareholding of total issued shares excluding treasury stock *2: Shareholding relating to total outstanding shares excluding treasury stock 10 JAPAN POST BANK Co., Ltd. Annual Report 2020 11