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JAPAN POST BANK Annual Report 2018

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JAPAN POST BANK Annual Report 2018 Annual Report 2018 Annual Report 2018 Year ended March 31, 2018 Management JAPAN POST BANK aims to become “the most accessible and trustworthy bank in Japan,” guided by Philosophy the needs and expectations of our customers. Trust Innovation We comply with laws, regulations, We work sincerely to improve and other standards of behavior our management and business and value trusted relationships operations in response to requests with customers, markets, from customers and changes in the shareholders, and employees and business environment. consistently serve as a responsible corporate citizen. Corporate Profile Corporate name JAPAN POST BANK Co., Ltd. Date of establishment September 1, 2006 Representative Executive Officer Norito Ikeda Address of head office 1-3-2 Kasumigaseki, Chiyoda-ku, Tokyo 100-8798, Japan OTEMACHI PLACE WEST TOWER, 2-3-1 Otemachi, Chiyoda-ku, Tokyo 100-8793, Japan (Plans to progressively relocate from November 5, 2018) Total assets ¥210,630 billion Total net assets ¥11,513 billion Capital ¥3,500 billion Number of employees* 13,009 * The number of employees excludes employees assigned to other companies by the Bank but includes employees assigned to the Bank by other companies. The figure does not include short-term contract and part-time employees. Referenced Guidelines • International Integrated Reporting Framework, International Integrated Reporting Council (IIRC) • Guidance for Integrated Corporate Disclosure and Company-Investor Dialogue for Collaborative Value Creation, Ministry of Economy, Trade and Industry Editorial Policy To foster a deeper understanding of JAPAN POST BANK’s corporate value among shareholders, investors and stakeholders, for this Annual Report we produced an integrated report that offers extensive information on management strategy and environmental, social and governance (ESG) as well as financial information. Period Covered Operating performance for the period from April 1, 2017 to March 31, 2018. The report also includes some activities outside this period. This report is not a solicitation for the shares or other securities of the JAPAN POST GROUP. Furthermore, this report contains forward-looking statements, such as the Bank’s forecasts and targets. These statements were written according to the Bank’s judgment based on information available, forecasts, and assumptions made at the time when the report was created; they therefore encompass risks and uncertainties, and are not a guarantee of future results. You should bear in mind that actual business results may differ from those described in this report, because they are subject to a wide range of risks and factors such as changes in the assumed conditions relating to the business environment, economic and business trends, changes in laws and regulations, the occurrence of major disasters, fluctuations in the value of assets held by the Bank, and the impact of rumor and hearsay. The Bank undertakes no obligation to publicly update or revise any forward-looking statements in light of new information or future events. All figures and percentages in this report are rounded down for presentation, and therefore the totals may not be equal to the sum of the presented figures. The figures and percentages are information as of March 31, 2018, unless separately noted. Unless the context states otherwise, references in this report to “we,” “us,” “our,” the “Bank” or similar terms are to JAPAN POST BANK. Unless otherwise individually noted, this integrated report contains non-consolidated numerical values. JAPAN POST BANK Co., Ltd. Annual Report 2018 JAPAN POST BANK Co., Ltd. Annual Report 2018 JAPAN POST BANK aims to become “the most accessible and trustworthy bank in Japan,” guided by the needs and expectations of our customers. Efficiency Expertise We pursue improvements in speed We continually strive to strengthen and effi ciency of our management our expertise for the aim of and business operations in order services meeting the expectations to provide customer-oriented of our customers. fi nancial instruments and services. Contents About JAPAN POST BANK Strengthening Our Business Foundation 2 The Path Taken by JAPAN POST BANK 36 Corporate Governance 4 Value Creation Process Board of Directors, Executive Offi cers and 42 Managing Directors 6 Financial Highlights (Non-Consolidated) 44 Risk Management 8 Nonfi nancial Highlights 46 Compliance 48 Internal Auditing Management Vision 49 Dialogue with Society 10 To Our Stakeholders Medium-term Management Plan 18 (FY2019/3 to FY2021/3) Financial Section Management’s Discussion and Analysis of 54 Financial Condition and Results of Operations Business and Human Resource Strategies (Non-Consolidated) Business strategies 78 Consolidated Financial Statements Provision of High-quality Customer-oriented 26 120 Non-Consolidated Financial Statements Financial Services 126 Financial Data (Non-Consolidated) 29 Fintech Initiatives Diversifi cation and Sophistication of Investment 30 Management Corporate Data 32 Funds Flow to Regional Communities JAPAN POST GROUP Charter of Corporate 165 Conduct Human Resources Strategy 166 Organization Developing Human Resources as a Foundation 34 for Growth 167 Corporate Information JAPAN POST BANK Co., Ltd. Annual Report 2018 JAPAN POST BANK Co., Ltd. Annual Report 2018 1 About JAPAN POST BANK The Path Taken by JAPAN POST BANK The history of JAPAN POST BANK extends back over 140 years. From a state-owned 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 around the country using our services, we remain committed to maintaining the current value creation process and will continue to promote stable economic growth and the stable formation of assets for our customers. Organizational Changes 1949 2001 Ministry of Posts and Postal Telecommunications Services Agency 1885 2003 Investment trust sales mascot, Ministry of JAPAN POST MasuMasu-kun Communications (Nippon Yusei Kosha, government-owned corporation) 1875 1949 2001 • Postal money order service • Ministry of Posts and • Alongside the reorganization established Telecommunications established of ministries and agencies, • Postal savings service established 1981 the Ministry of Posts and 1885 • Automatic teller machines (ATMs) Telecommunications, the Ministry • Ministry of Communications for postal savings introduced of Home Affairs, and the Ministry established 1999 of Public Management consolidated 1906 • ATM/CD alliance service with to form the Ministry of Internal • Money Transfer service established private-sector fi nancial institutions Affairs and Communications and 1941 launched the Postal Services Agency • TEIGAKU (fi xed-amount) deposits 2003 introduced • JAPAN POST (Nippon Yusei Kosha, government-owned corporation) established 2005 • Sales of investment trusts begun 2006 • JAPAN POST HOLDINGS Co., Ltd. established as a preparatory company Financial 1996 2005 2008 Developments Japan’s version of Transition to limited deposit guarantee Collapse of Lehman fi nancial Big Bang “payoff”scheme in Japan Brothers 2 JAPAN POST BANK Co., Ltd. Annual Report 2018 JAPAN POST BANK Co., Ltd. Annual Report 2018 Current JAPAN POST GROUP Structure Japanese Government JAPAN POST HOLDINGS Must own more than 1/3 stake [Postal Service Privatization Act] To incrementally dispose of its holdings until its ownership is reduced to around 50% While considering the impact on the management status of the two fi nancial subsidiaries and the fulfi llment of the obligation to provide universal services, aims to dispose of all shares within the earliest possible timeframe [Postal Service Privatization Act] Obligated to hold *1 Shareholding 100% stake Shareholding [Postal Service 89% Privatization Act] 89%*2 JAPAN POST JAPAN POST BANK JAPAN POST INSURANCE • Postal and domestic logistics business • International logistics Payment of commissions Payment of commissions business • Postal counter ■ Insurance counter operations ■ Banking counter operations operations *1: Shareholding of JAPAN POST HOLDINGS more than 50% →New services: licensing system 50% or less 2018 → New services: notifi cation system *2: Shareholding relating to shares with voting rights Medium-term Management excluding treasury stock Plan announced (FY2019/3 to FY2021/3) 2007 JAPAN POST BANK (Privatized) June 2017 • Established the basic policy of 2007 2013 customer-oriented business • JAPAN POST GROUP established • Investment in ATM Japan Business operations • Approval granted for new services Service, Ltd. • Approval granted for new services in connection with investment 2015 (overdraft service, operations target liberalization • JAPAN POST BANK Co., Ltd. listed related to cooperation with 2008 its shares on the First Section of regional fi nancial institutions, • Approval granted for new services the Tokyo Stock Exchange etc., market investment-related (credit cards, agency sales of • Investment in JP Asset business) variable annuities policies for Management Co., Ltd. January 2018 individuals and the intermediation 2016 • In some time bands, eliminated of loans for individuals) • JAPAN POST HOLDINGS Co., Ltd. fees when using our cash cards on • Investment in SDP CENTER Co., and FamilyMart Co., Ltd. reached E-net ATMs Ltd. a basic agreement on a business February • Launch of “JP BANK CARD” tie-up • Start of online application for • Launched the intermediation of • Invested
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