Message from the Executive Director of Financial and Capital Strategies

My name is Makoto Shinmura, a senior managing executive in charge of financial and capital strategy as well as Investor Relations.

In FY2024, amidst the ongoing major changes in both the domestic and international economic landscape, including the Bank of Japan's increase in policy interest rates, JAPAN POST BANK successfully achieved increased profits and raised dividends for the second consecutive fiscal year. In addition, in March 2025, JAPAN POST HOLDINGS, the parent company of JAPAN POST BANK, conducted its third offering of shares in the Bank. As a result, JAPAN POST HOLDINGS’ voting rights in the Bank fell below 50%, granting the Bank greater freedom in its management. This will create an environment in which it can move forward with greater speed.

FY2025 is the final year of the Medium-term Management Plan that started in FY2021. Recognizing the changes in both the domestic and overseas business environments as a tailwind, we will steadily promote three unique businesses strategies (Retail Business, Market Business, and Σ (sigma) Business). Through these efforts, we aim to achieve record profits for the third consecutive fiscal year and make this year of preparation for taking JAPAN POST BANK to the next stage.

Under these circumstances, we will continue to engage in meaningful dialogue with our shareholders, enhance profits and corporate value while ensuring financial soundness, and strive to maximize the cycle of returning profits to our shareholders. I will also provide easy-to-understand information about how it plans to act and bring about growth. Thus, I gratefully look forward to your expectations and ongoing support for JAPAN POST BANK.

July 2025

Makoto Shinmura

Senior Managing Executive Officer
JAPAN POST BANK Co., Ltd.