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Message from the President
Takayuki Kasama
Director, President and Representative Executive Officer
JAPAN POST BANK Co., Ltd.
July, 2025
Guided by our unwavering purpose and management philosophy, we will continue to enhance corporate value and further improve shareholder returns.
In FY2024, there were significant changes to the market environment due to two interest rate hikes by the Bank of Japan, the new U.S. administration and its policy direction, and other factors.
Against this business environment, our net income for FY2024 reached 414.3 billion yen, the highest level since our listing as a public company, and we achieved, one year ahead of schedule, the FY2025 profit target set out in our Medium-Term Management Plan, which we revised last year. Consequently, we increased dividends per share to 58 yen.
While flexibly responding to changes in financial and economic conditions and to advances in the digitalization of society, we are promoting the three business strategies set out in our Medium-Term Management Plan: retail business, market business, and Σ business (corporate business for creating futures for societies and local communities through investment) . We are also reinforcing the management foundations that support them.
In the retail business, we worked to deepen and strengthen our customer base by accelerating customer-focused business development through the integration of physical and digital channels in a complementary manner and driving the transition to a new retail business that goes beyond traditional banking operations. Specifically, by enhancing the convenience of the Yucho Bankbook App, upgrading the functions of the "Madotab" self-service branch terminal, and developing and expanding remote channels for our asset-building support business, we enhanced operational efficiency and improved customer convenience.
In the market business, we took advantage of the rise in domestic interest rates following the Bank of Japan’s monetary-policy changes by reallocating investments from deposits and other funds to Japanese Government Bonds. Additionally, given the continued uncertainty over policy interest rate cuts by U.S. and European central banks and the economic policies of the new U.S. administration, we promoted internationally diversified investments with a focus on risk-adjusted returns.
In the Σ business, we strived to provide capital funding to regional businesses, identify potential investee companies, and promote the introduction of investee companies' products and services. We also established our subsidiary JAPAN POST BANK CAPITAL PARTNERS Co., Ltd .
The year 2025 marks the 150th anniversary of the postal savings business.
Going forward, we will continue to steadily execute our three business strategies, increase corporate value, and enhance shareholder returns, in line with our unwavering purpose (our social raison d'être) and management philosophy. We humbly ask for your continued kind support.
