Financial services: approx. 70%
Insurance services: approx. 20%
Investments and Miscellaneous: approx. 10%

TOP 3 Markets:

1. Japan: approx. 85%
2. USA: approx. 10%
3. Europe: approx. 5%

Japan Post Bank Co., Ltd. generates the majority of its revenues from financial services, including banking and insurance services. The domestic market in Japan dominates with a share of about 85% of total revenues, reflecting the strong local presence and customer base.

The USA and Europe follow as important international markets, with the USA accounting for approximately 10% and Europe for approximately 5% of revenues. These international markets offer growth opportunities, particularly through investments in foreign securities and financial products.

Production: No physical production

Japan Post Bank Co., Ltd. is a financial institution and not a production company. The company offers banking services, including deposits, loans, and investment products. Therefore, there is no physical production of goods or products. The services are mainly provided through a network of post offices and digital platforms.

Strategy for Future Growth:

1. Digitization and Focus on Technology: Japan Post Bank is heavily investing in the digitization of its services to increase efficiency and enhance customer experience. This includes the development of mobile banking apps and the implementation of AI-based solutions.

2. Expansion of Investment Portfolios: The bank plans to diversify its investment portfolios to achieve higher returns. This includes investments in international markets and alternative asset classes.

3. Sustainability Initiatives: Another focus is on sustainable investments. Japan Post Bank has committed to integrating Environmental, Social, and Governance (ESG) criteria more strongly into its investment decisions.

4. Expanding Customer Base: The bank aims to enlarge its customer base, especially by targeting younger generations and developing tailored financial products.

These strategies are intended to secure the growth of Japan Post Bank in a rapidly changing financial environment and strengthen its competitiveness.

Main imported raw materials/materials: No specific raw materials

Japan Post Bank Co., Ltd. is primarily active in the financial sector and is not directly involved in the production or trade of raw materials. As a financial institution, it does not import physical raw materials or materials.

The bank focuses on banking services, including deposits, loans, and investment services. Therefore, its international relations are more oriented towards financial markets and investments rather than the import of physical goods.

If you need information on the investment strategies or international financial relations of Japan Post Bank, I am happy to assist.

Return on Equity (ROE): 5.2% (2024)
Domestic Market Share: Approximately 20% (2024)
Number of Customers: Over 120 million (2024)

Japan Post Bank Co., Ltd. has a significant competitive advantage due to its extensive customer base, which comprises over 120 million customers. This enables the company to offer a wide range of financial services and benefit from economies of scale.

Another advantage is the strong domestic market share of about 20%, making Japan Post Bank one of the leading financial institutions in the Japanese market. This position is supported by the dense branch network and strong brand.

However, the return on equity at 5.2% is relatively low compared to international competitors, indicating challenges in profitability. To strengthen its competitive advantage, the company could increase its investments in digital transformation and efficiency improvements.

Institutional investor share: approx. 35% (estimated for 2025)
Insider purchases/sales: No significant transactions in the last year (estimated)

The institutional investor share at JAPAN POST BANK Co., Ltd. typically amounts to about one-third of the total stock. These investors include large financial institutions, investment funds, and pension funds that aim for long-term holdings.

In 2025, there were no significant insider transactions indicating a change in management's confidence in the company's future development. This suggests that the management has a stable assessment of the current company situation.

Market share of JAPAN POST BANK Co., Ltd.: 12% (2025, estimated)

Top competitors and their market shares:

1. Mitsubishi UFJ Financial Group (MUFG) - 18%
2. Sumitomo Mitsui Financial Group (SMFG) - 15%
3. Mizuho Financial Group - 14%
4. JAPAN POST BANK Co., Ltd. - 12%
5. Resona Holdings - 10%
6. Nomura Holdings - 9%
7. Daiwa Securities Group - 8%
8. SBI Holdings - 7%
9. ORIX Corporation - 5%
10. Shinsei Bank - 2%

Moat of JAPAN POST BANK Co., Ltd.:

JAPAN POST BANK Co., Ltd. has a significant moat due to its extensive branch network closely linked to the Japan Post Group. This provides unique access to a broad customer base, especially in rural areas of Japan where other banks are less present.

Compared to its competitors, the moat of JAPAN POST BANK is less characterized by technological innovation or international presence, but rather by its strong local roots and historical trust among the population.

Other major financial institutions like MUFG and SMFG may have a stronger technological moat and a larger international reach, which could give them advantages in a globalized market.

Overall, JAPAN POST BANK offers a solid moat through its local dominance and customer trust, albeit specifically limited to the Japanese market.

Return on Equity (ROE): 4.5% (2024) Net interest margin: 0.9% (2024) Return on Assets (ROA): 0.3% (2024)

Japan Post Bank Co., Ltd. shows a moderate return on equity of 4.5%, which is relatively low compared to other banks. This suggests that the company is not particularly efficient in relation to its equity.

The net interest margin of 0.9% is also low, which is typical for Japanese banks operating in a low-interest environment. This limits the potential for significant revenue growth from interest-related activities.

The return on assets of 0.3% indicates that the bank generally has low profitability. This could be due to a conservative investment strategy and high liquidity reserves.

Overall, Japan Post Bank's financial performance suggests a conservative and low-risk strategy, which also limits growth potential. Investors looking for stable but less dynamic investments may consider the stock as part of a diversified portfolio. However, the stock may be less attractive to growth-oriented investors.

Dividend yield: 4.2% (2025, estimated)
Dividend history: Continuous payout for several years

Japan Post Bank Co., Ltd. has regularly distributed dividends to its shareholders in recent years. The company's dividend policy aims to ensure a stable and sustainable payout, as evidenced by the continuous payments in recent years.

The dividend yield of 4.2% in 2025 is competitive compared to other financial institutions. This indicates that the company is able to effectively utilize its earnings while providing attractive value to shareholders.

Japan Post Bank has a solid financial foundation and a strong market position, supporting the reliability of dividend payments. Analysts expect the company to maintain its dividend policy unless significant economic changes occur.