2017 3 2017 5 18

Copyright 2017 JAPAN POST BANK CO., LTD. All All Rights Reserved. 1

1. 2017 3 2. 2018 3 2017 3 2018 3 3. Appendix BP SP TP LP GP GP GP Copyright 2017 JAPAN POST BANK CO., LTD. All All Rights Reserved. 2

1 2017 3 3.9% 104.0% 2,117 Copyright 2017 JAPAN POST BANK CO., LTD. All All Rights Reserved. 3

4

Liability-driven portfolio ALM 1297 9 Excess-return portfolio 709 2017/3 2016/3 1 55 +7 48 38 13 52 35 1 36 1 0 1 1. 1 1,3 () 2017/3 2016/3 6 8 52 (32) +1 +1 +7 (+7) 6 7 45 (26) 0 0 0 () 2,3 3 +0 2 1 0 1 1 +1 1. 2. 3. 5

1BP,SP 100% 9 90% 14 15 16 19 24 31 80% 35 SP 70% 60% BP 50% 91 40% 86 85 84 81 76 69 30% 65 20% 10% 0% 10/3 11/3 12/3 13/3 14/3 15/3 16/3 17/3 % 22014 12 2016 12 0.8% 0.7% 0.6% 10 10 IFR 14 12 0.5% 0.4% 0.3% 0.2% 2 10 IFR 16 12 2 IFR 14 12 0.1% 0.0% 0.1% 0.2% 0.3% 2 IFR 16 12 0.4% 14/12 15/3 15/6 15/9 15/12 16/3 16/6 16/9 16/12 17/3 17/6 17/9 17/12 18/3 80 70 60 50 40 30 20 10 0 3 SP 4 5 4 07 08/3 09/3 10/3 11/3 12/3 13/3 14/3 15/3 16/3 17/3 (10 1 ) 48 62 70 / 4.4% 4.0% 3.6% BB 3.2% 2.8% 2.4% BBB 2.0% 5 1.6% 1.2% 0.8% 0.4% A 13/3 13/9 14/3 14/9 15/3 15/9 16/3 16/9 17/3 / 200 180 160 140 120 100 80 60 40 20 0 bp 3 3 3LIBOR 13/3 13/9 14/3 14/9 15/3 15/9 16/3 16/9 17/3 / 6

2 2018 3 2018 32017 3 12.0% 2016 12 114 7

2017 3 BP 15/3 5,694 1,933 BP 2015/3 2016/3 18 SP 516 522 483 16/3 4,819 16/3 4,819 2,073 2016/3 2017/3 45 SP 1,611 108 17/3 4,420 18/3 4,900 BP p28 BP SP BP BP SP BP 8

2018 3 2018 3 4,9003,500 2018 3 15025 2018 3 1 2 3 5,200 [61] 9,300 [136] 6,800 [70] 7,100 [129] 2018/3 2017/3 4,900 4,420 3,500 3,122 14,500 14,000 14,400 SP BP 60 50 40 30 20 10 0 1 50 50 25 25 25 25 2016 2017.3 2017 2018.3 1 2017 3 2 2017 3 30% 6% 4.81 % 4.74 % 22.22% 4.11 % 3.95 % 20% 4% 11.14% 12.89% 11.16% 10% 2% 2016.3 2017.3 2018.3 1 2 3 100 0% BTMU SMBC : : BTMU/SMBC/ Tier1 0% MUFG SMFG FG : 1: MUFG/SMFG/ FG 2: 9

3 2018 3 10

なるの 2017 5 18 NISA CDS

6,073 4,682 1,363 146 18 589 806 1,244 2016.9 2016.12 2017.3

1. 3. Visa mijica 2. ATM 4. FinTech ATM 3,5002017 1 16 1 2 2017 1 ATM 2 ATM Copyright 2017 JAPAN POST BANK CO., LTD. All All Rights Reserved. 13

Appendix 2015 3 2018 3 14

2017/3 2016/3 14,102 14,520 418 12,235 13,610 1,375 866 911 45 1,000 1 1,002 993 14 1,008 24 18 43 1 10,561 10,661 100 0 0 3,540 3,858 317 879 961 81 829 938 109 4,420 4,819 399 3,122 3,250 128 2017/3 2016/3 2,095,688 2,070,560 25,127 512,819 458,950 53,868 4,700 9,788 5,088 87,189 79,232 7,956 38,179 35,611 2,567 1,387,924 1,440,768 52,843 40,641 25,420 15,220 1,977,887 1,955,478 22,408 1,794,346 1,778,719 15,626 136,942 131,235 5,707 117,800 115,081 2,718 87,296 86,052 1,243 30,504 29,028 1,475 1 15

2015 3 2018 3 BPSP 2015/3 2018/3 15/3 5,400 18/3 4,800 15/3 5,694 BP 18/3 4,900 SP 500 5,780 SP 640 4,000 3,000 4,360 100 BP 70 16

2017/3 (%pt) 2016/3 22.22 4.16 26.38 8 6,169 8 4,993 38 7,798 32 2,185 11.16 4.12 7.03 9,618 2,380 6,544 5,980 1,788 3,662 8 6,169 8 4,993 1 4.11 0.00 4.10 8 6,169 8 4,993 209 5,688 207 560 2.68 0.12 2.80 3,122 3,250 11 6,440 11 5,691 74.89 1.46 73.42 1 561 1 661 1 4,102 1 4,520 0.78 0.08 0.86 0.60 0.06 0.66 0.78 0.86 0.18 0.19 1 17

2017/3 2016/3 51,281,921 45,895,068 5,386,853 470,000 978,837 508,837 8,718,905 7,923,229 795,676 252,214 178,509 73,705 9 187 178 3,817,908 3,561,110 256,797 138,792,448 144,076,834 5,284,385 4,064,120 2,542,049 1,522,070 78,646 25,328 53,318 1,871,733 1,573,316 298,416 175,825 182,733 6,907 46,183 44,865 1,318 75,000 75,000 1,096 1,030 65 209,568,820 207,056,039 2,512,781 2017/3 2016/3 179,434,686 177,871,986 1,562,699 45,436 22,536 22,900 960,937 554,522 406,415 13,694,294 13,123,558 570,736 40,324 40,324 407 338 68 2,185,197 2,532,920 347,723 6,007 6,020 12 148,800 149,720 919 43 43 2,096 2,096 1,270,550 1,211,286 59,264 75,000 75,000 197,788,782 195,547,888 2,240,893 3,500,000 3,500,000 4,296,285 4,296,285 2,233,759 2,108,969 124,790 1,300,411 1,299,999 411 8,729,634 8,605,256 124,378 3,166,980 3,322,827 155,846 116,577 419,932 303,355 3,050,403 2,902,894 147,508 11,780,037 11,508,150 271,887 209,568,820 207,056,039 2,512,781 18

2017/3 2016/3 1,410,256 1,452,082 41,825 1,223,546 1,361,065 137,519 86,619 91,139 4,520 100,091 122 100,213 99,395 1,471 100,867 2,454 1,846 4,300 1,056,168 1,066,184 10,015 125,328 125,423 95 854,369 865,169 10,800 76,470 75,591 879 354,087 385,897 31,810 10 10 354,098 385,897 31,799 87,987 96,100 8,112 88 3,232 3,143 82,930 93,867 10,937 442,085 481,998 39,912 1 2017 32,115 2016 32,179 2 3 2017/3 2016/3 1,488 1,109 379 529 1,103 573 958 5 953 440,596 480,888 40,292 133,287 152,528 19,241 4,954 3,291 8,245 128,332 155,819 27,486 312,264 325,069 12,805 82,930 93,867 10,937 51,556 54,137 2,581 41,608 47,700 6,091 3,734 1,588 2,146 6,499 6,382 117 0 18 18 0 18 18 19

2017 31 2,235 0.60% 1.8% 1.6% 1.4% 1.2% 15,321 14,702 15,407 13,610 12,235 18,000 16,000 14,000 12,000 2017/3 2016/3 8,040 9,705 1,665 10,465 12,486 2,020 7,933 9,666 1,733 2,425 2,780 355 1.0% 0.8% 0.6% 0.82% 0.73% 0.76% 0.66% 0.60% 10,000 8,000 6,000 2017/3 2016/3 4,195 3,904 290 5,966 5,459 506 0.4% 10 4,000 5,953 5,410 543 1,771 1,555 216 0.2% 2,000 0.0% 0.07% 0 2017/3 2016/3 12,235 13,610 1,375 0.2% 2013.3 2012 2014.3 2013 2015.3 2014 2016.3 2015 2017.3 2016 2,000 15,675 17,312 1,637 3,439 3,701 261 1 2 20

% 2017/3 2016/3 193,991,919 1,046,541 0.53 192,120,047 1,248,620 0.64 0.11 3,081,133 17,741 0.57 2,681,909 25,091 0.93 0.35 92,901,349 926,690 0.99 109,010,368 1,116,543 1.02 0.02 8,318,619 1,471 0.01 8,586,952 7,958 0.09 0.07 47,723,014 24,916 0.05 39,310,383 35,624 0.09 0.03 184,991,156 242,503 0.13 184,078,165 278,032 0.15 0.01 179,251,855 200,373 0.11 177,868,069 232,795 0.13 0.01 8,385,284 844 0.01 8,650,599 7,337 0.08 0.07 2017/3 2016/3 % 48,252,687 596,691 1.23 40,910,445 545,998 1.33 0.09 2,151 7 0.35 2,614 11 0.43 0.08 48,099,311 595,384 1.23 40,072,765 541,079 1.35 0.11 81,553 968 1.18 777,583 4,704 0.60 0.58 47,375,519 177,183 0.37 38,370,177 155,520 0.40 0.03 4,674,255 40,697 0.87 5,500,853 25,895 0.47 0.39 21

2017/3 2016/3 % 200,321,045 1,567,512 0.78 200,500,267 1,731,217 0.86 0.08 3,083,285 17,748 0.57 2,684,524 25,103 0.93 0.35 141,000,661 1,522,075 1.07 149,083,133 1,657,623 1.11 0.03 8,318,619 1,471 0.01 8,586,952 7,958 0.09 0.07 47,804,568 25,885 0.05 40,087,966 40,329 0.10 0.04 190,443,114 343,966 0.18 189,918,117 370,151 0.19 0.01 179,251,855 200,373 0.11 177,868,069 232,795 0.13 0.01 13,059,539 41,542 0.31 14,151,453 33,233 0.23 0.08 1 2 (2017 32,646,2502016 3 2,450,837 ) (2017 32,646,2502016 32,450,837 ) (2017 34,779 2016 34,776 ) 3 2017 3 9002016 361,984 4 5 6 2017/3 2016/3 % 0.78 0.86 0.08 0.73 0.75 0.02 0.18 0.19 0.01 0.04 0.10 0.05 0.60 0.66 0.06 22

2017 368.8 52.9 9.3 4.4% 2017/3 % 2016/3 % 1,387,924 66.9 1,440,768 70.3 52,843 688,049 33.2 822,556 40.1 134,506 4.0 1.9% 3.8 1.8% 51.2 24.7% 207.1 52.9 25.5% 68.8 33.2% 17.0 8.2% 1 170,704 8.2 164,256 8.0 6,448 529,170 25.5 453,955 22.1 75,214 201,434 9.7 198,295 9.6 3,139 327,267 15.7 255,209 12.4 72,057 38,179 1.8 35,611 1.7 2,567 20,792 1.0 18,786 0.9 2,006 40,641 1.9 25,420 1.2 15,220 2 512,133 24.7 457,691 22.3 54,442 3 93,056 4.4 89,275 4.3 3,780 2,071,934 100.0 2,048,766 100.0 23,168 1 2 3 23

2017 34 3,981 2017/3 2016/3 383,169 14,565 520,525 22,083 2017/3 2016/3 1,044,701 45,661 958,475 47,917 1,006,669 32,821 922,863 38,724 334,875 13,207 343,582 17,447 200,785 13,351 197,327 19,678 326,042 4,350 255,209 1,280 144,965 1,911 126,744 2,879 1,853 353 38,032 10,986 35,611 8,838 20,792 10,586 18,786 8,298 17,239 400 16,824 540 75,533 1,680 77,198 6,053 43,981 41,864 24

2017/3 2016/3 35,317,430 1,373,826 47,897,398 2,063,032 12,579,968 689,205 44,618 115 341,147 3,954 296,528 3,839 2,889,963 70,626 3,717,263 110,702 827,299 40,076 64,911 11,981 96,744 30,670 31,833 18,688 64,911 11,981 96,744 30,670 31,833 18,688 38,316,923 1,456,549 52,052,553 2,208,359 13,735,630 751,810 2017/3 2016/3 47,622,031 1,518,522 46,724,064 2,037,834 897,966 519,312 33,487,558 1,320,778 34,358,255 1,744,753 870,697 423,974 6,037,606 90,906 5,515,361 125,743 522,245 34,837 233,998 204,995 29,002 7,862,867 106,837 6,645,451 167,337 1,217,416 60,500 53,044,897 1,763,647 45,562,334 1,834,648 7,482,562 71,001 20,078,556 1,335,157 19,732,759 1,967,868 345,797 632,710 32,604,245 435,050 25,520,966 128,070 7,083,278 563,120 100,666,928 3,282,169 92,286,398 3,872,483 8,380,529 590,313 1 2 3 2017 3185,3422016 335,341 4 5 2017 3 2016 3 25

2017/3 2016/3 3,803,267 1,098,661 3,561,110 883,889 242,156 214,772 2,079,290 1,058,661 1,878,626 829,857 200,664 228,804 0 0 0 0 0 0 1,274,178 40,000 1,293,411 54,032 19,232 14,031 1 1 2 3 2017 33,7342016 31,588 2017/3 2016/3 4,498,510 195,410 3,987,422 409,837 511,088 214,427 2,971,988 37,723 3,651,466 182,201 679,478 219,924 82,803 10,351 80,937 13,267 1,866 2,915 7,553,302 168,039 7,719,826 605,306 166,523 437,267 1 2 2017/3 2016/3 4,398,134 4,186,407 211,727 26

9A95% BBB 6.02% A 11.25% 0.76% BBB 1.25% 0.45% BB B 3.57% BB B 0.13% 0.17% 1.39% 13.47% 1.38% 1.39% 8.37% 0.66% 0.57% 0.04% 0.09% 12.65% 12.10% A 90.39% 72.47% 75.36% 2017 3 194 1 1 1 2 3 27

2011/3 2012/3 2013/3 2014/3 2015/3 2016/3 2017/3 BP SP 184.2 5,197 184.2 5,734 187.4 5,921 190.5 5,731 194.2 5,599 196.5 4,804 197.5 4,330 BP BP 162.8 4,444 157.4 4,387 158.0 3,421 156.7 2,897 151.7 947 141.7 356 131.5 2,433-658 - 576-602 - 1,203-2,224-2,504-3,996 BP - 5,103-4,964-4,023-4,100-3,172-2,147-1,563 SP 21.4 752 26.7 1,346 29.3 2,499 33.7 2,834 42.4 4,651 54.8 5,160 66.0 6,764 28

2017 3179.4 180 176.0 176.6 177.7 177.8 179.4 2017/3 2016/3 67.9 63.8 4.1 13.0 13.8 0.8 170 54.5 49.5 4.9 0.3 0.3 0.0 111.2 113.8 2.5 160 10.0 11.4 1.3 101.2 102.4 1.1 0.1 0.1 0.0 1500 2013.3 2012 2014.3 2013 2015.3 2014 2016.3 2015 2017.3 2016 179.4 177.8 1.5 29

2017/3 2016/3 866 911 45 591 592 1 93 84 9 ATM 72 75 2 18 25 7 105 130 25 69 72 3 42 39 2 15 22 7 11 10 0 8 13 4 ATM 1 2017 1 3,500 2017 42018 3 Visa mijica 2017 1 30

2017 3 2018 3 6,000 5,443 5,000 4,270 4,000 3,770 3,000 2,000 1,000 0 2015.3 2014 2016.3 2015 2017.3 2016 2016 4 1 1,100 2017 4 1 1,300 10/14 2016 10 31JP JP 14,000 13,000 12,000 11,187 11,355 11,000 10,000 13,101 1,000 922 907 800 669 600 400 200 9,0000 2015.3 2014 2016.3 2015 2017.3 2016 0 2015.3 2014 2016.3 2015 2017.3 2016 31

2017/3 2016/3 1,251 1,164 86 544,399 427,085 117,313 2017/3 2016/3 749 696 53 1,310,151 1,135,550 174,601 2017/3 2016/3 17,731 17,220 511 90,712 92,270 1,558 2017/3 2016/3 100,507 82,776 17,731 528,434 437,722 90,712 32

2017/3 2016/3 61 65 3 2017/3 2016/3 1,093 1,285 192 2017/3 2016/3 39,908 36,369 3,539 2017/3 2016/3 383,259 343,350 39,908 33

2017 3 99 1 540 12,000 2017/3 2016/3 11,000 11,107 10,950 11,136 10,640 10,540 1,232 1,232 0 1,011 1,014 3 8,543 8,651 108 10,000 6,124 6,094 30 83 98 14 9,000 661 644 17 764 755 8 10,540 10,640 99 8,0000 2013.3 2012 2014.3 2013 2015.3 2014 2016.3 2015 2017.3 2016 34

2017/3 2016/3 123,212 11.68 123,243 11.58 31 101,128 9.59 101,439 9.53 311 22,084 2.09 21,804 2.04 280 854,369 81.05 865,169 81.31 10,800 612,465 58.10 609,431 57.27 3,034 8,371 0.79 9,862 0.92 1,490 66,166 6.27 64,465 6.05 1,700 12,388 1.17 11,849 1.11 539 50,702 4.81 52,635 4.94 1,932 35,306 3.34 36,666 3.44 1,359 19,124 1.81 19,676 1.84 552 12,631 1.19 12,347 1.16 284 16,362 1.55 22,292 2.09 5,929 20,848 1.97 25,942 2.43 5,093 76,470 7.25 75,591 7.10 879 1,054,053 100.00 1,064,004 100.00 9,951 122 % 35

2017 322.22% % 80 70 66.04 2017/3 2016/3 % 60 50 56.81 86,169 84,993 1,176 387,798 322,185 65,612 40 30 38.42 26.38 22.22 359,065 292,532 66,533 22.22 26.38 4.16 20 10 0 13.3 2012 14.3 2013 15.3 2014 16.3 2015 17.3 2016 2014 3 36

2017/3 2016/3 % 8,636,164 8,511,796 124,368 19,224 12,471 6,753 8,616,940 8,499,325 117,615 38,779,806 32,218,529 6,561,277 35,906,558 29,253,213 6,653,344 8 8 2,873,248 2,965,316 92,067 22.22 26.38 4.16 % 2017/3 2016/3 9,618 5,980 3,637 2,380 1,788 592 6,544 3,662 2,882 86,169 84,993 1,176 11.16 7.03 4.12 151% 99% 37

2015/3 2015/3 2016/3 2017/3 2018/3 1 178.4 1 179.3 2 1.66 1.96 180.7 2.3 2.39 0.73 3 2016/3 2018/3 1 2016/3 2018/3 18/3 5,694 4,819 4,420 4,800 4,900 3,694 3,250 3,122 3,300 3,500 9,174 8,651 8,543 630 500 2015/3 1 2015 30.6 2015 3 177.1 2016 3 177.8 2017 3 179.4 2 2015 3 2016 3 1.79 2017 3 2.10 38

128 12 8 4 3 5 5 4 3 39

2011/3 2012/3 2013/3 2014/3 2015/3 2016/3 2017/3 17,189 16,700 16,243 15,687 16,347 14,520 14,102 1 16,864 16,773 15,321 14,702 15,407 13,610 12,235 879 884 881 926 892 911 866 2 12,101 11,745 11,115 10,960 11,147 10,661 10,561 3 0 5,083 4,954 5,128 4,726 5,199 3,858 3,540 181 807 807 924 494 961 879 5,265 5,762 5,935 5,650 5,694 4,819 4,420 13 24 19 6 15 11 14 3,163 3,348 3,739 3,546 3,694 3,250 3,122 90,936 98,181 109,975 114,645 116,302 115,081 117,800 1,934,433 1,958,198 1,998,406 2,025,128 2,081,793 2,070,560 2,095,688 3 74.82% 68.39% 66.04% 56.81% 38.42% 26.38% 22.22% 12,351 12,796 12,922 12,963 12,889 12,905 12,965 6,173 6,006 5,818 5,699 5,523 5,223 4,902 1. 2. 3. 2014 3 40

41