Overview
Banks

JAPAN POST BANK Co.,Ltd.

Japan Post Bank is one of Japan's largest financial institutions, offering deposit (savings) accounts, asset management products (investment trusts, government bonds, variable annuities), payment and remittance services, credit cards, debit cards, housing loan intermediation, and ATM network services to approximately 120 million customers. The bank primarily funds itself through retail deposits—with individual deposits exceeding 190 trillion yen—and invests predominantly in securities (143.5 trillion yen, including domestic government bonds and diversified international assets). It leverages Japan Post's nationwide postal network of approximately 23,000 post offices as its main distribution channel, complemented by digital channels.

Market Cap
¥10,549B
US$67.3B
EV
¥—B
Stock¥2,961.5▼-1.81%
US$1 = ¥156.80 (2026-10-23)
ROE
6.5%
* LTM NI / end-of-period equity
PBR
1.1
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▲+51.0%pt
1001
Oct 24, 25 – Oct 23, 26StockTOPIX
1Jan 29, 26Activist shareholder demands management reform
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Performance & Balance
Revenue 5Y (¥B)
1,978US$12.6B'22/32,064US$13.2B'23/32,652US$16.9B'24/32,522US$16.1B'25/32,852US$18.2B'26/3
Net Income 5Y (¥B)
355US$2.26B'22/3325US$2.07B'23/3356US$2.27B'24/3414US$2.64B'25/3526US$3.35B'26/3
Capital Structure
100%
EquityD/E 0.00xDebt
Liquidity vs Debt 5Y (¥B)▲ Net Cash
CashInv. Sec.Debt
66,603US$425B'22/368,158US$435B'23/357,724US$368B'24/364,639US$412B'25/354,340US$347B'26/3
Shareholders
Top 10 hold 67.6%
1
JAPAN POST HOLDINGS Co.,Ltd.
49.87%
2
The Master Trust Bank of Japan, Ltd. (Trust Account)
8.28%
3
Custody Bank of Japan, Ltd. (Trust Account)
3.18%
4
STATE STREET BANK AND TRUST COMPANY 505001 (Standing Proxy: Mizuho Bank, Ltd.)
1.98%
5
THE CHASE MANHATTAN BANK, N.A. LONDONSECS LENDING OMNIBUS ACCOUNT (Standing Proxy: Mizuho Bank, Ltd.)
1.03%
6
Goldman Sachs Japan Co., Ltd. BNYM (Standing Proxy: MUFG Bank, Ltd.)
0.81%
7
JP MORGAN CHASE BANK 385781 (Standing Proxy: Mizuho Bank, Ltd.)
0.74%
8
JP MORGAN CHASE BANK 385642 (Standing Proxy: Mizuho Bank, Ltd.)
0.61%
9
JPMorgan Securities Japan Co., Ltd.
0.59%
10
JP MORGAN CHASE BANK 380081 (Standing Proxy: Mizuho Bank, Ltd.)
0.54%
Management
14 officers
Takayuki KASAMA
Director, Representative Executive Officer and President; Nominating Committee Member
Apr 1996 Joined The Nippon Long-Term Credit Bank, Ltd. (currently Shinsei Bank, Limited) Dec 1998 Joined Kokusai Securities Co., Ltd. (currently Mizuho Securities Co., Ltd.) Oct 2000 Joined Goldman Sachs Securities Co., Ltd. Jan 2010 Managing Director, Goldman Sachs Securities Co., Ltd. Jan 2011 Managing Director; General Manager, Credit Trading Department, Goldman Sachs Securities Co., Ltd. Jul 2013 Director and CEO; Senior Portfolio Manager, Gorvis Investment Pte. Ltd. Nov 2015 Executive Officer (Credit Investment), Markets Division, Japan Post Bank Co., Ltd. Jun 2016 Executive Officer; General Manager, Credit Investment Department, Markets Division, Japan Post Bank May 2018 Managing Executive Officer; General Manager, Credit Investment Department, Markets Division, Japan Post Bank Jul 2019 Managing Executive Officer, Markets Division, Japan Post Bank; concurrently General Manager, General Discretionary Investment Department Apr 2020 Senior Managing Executive Officer (Bonds and Credit), Markets Division, Japan Post Bank; concurrently General Manager, Bond Investment Department Jun 2020 Senior Managing Executive Officer, Japan Post Bank Jun 2023 Director and Representative Executive Vice President, Japan Post Bank Apr 2024 Director and Representative Executive Officer, President, Japan Post Bank (current) Jun 2024 Director, Japan Post Holdings Co., Ltd. (current)
1973-08-09
Harumi YANO
Director, Representative Executive Vice President
Apr 1984 Joined The Nippon Kogyo Bank, Ltd. Feb 2008 Room Manager, Management Department, Mizuho Corporate Bank, Ltd. Jul 2009 Head of Management Research Office, General Planning Department, Mizuho Securities Co., Ltd. Apr 2010 General Manager, Management Research Department, Mizuho Securities Co., Ltd. Apr 2011 General Manager, Research Department, Corporate Staff Division, Japan Post Bank Oct 2011 Executive Officer, Japan Post Bank Mar 2015 General Manager, ALM Planning Office, Management Planning Department, Corporate Staff Division, Japan Post Bank Jun 2016 Managing Executive Officer Jun 2019 Senior Managing Executive Officer Jun 2023 Executive Vice President Apr 2024 Representative Executive Vice President Jun 2024 Director and Representative Executive Vice President, Japan Post Bank (current)
1961-12-23
Kenji OGATA
Director, Representative Executive Vice President
Apr 1990 Joined Ministry of Posts and Telecommunications Feb 2012 Deputy General Manager, Management Planning Department, Japan Post Holdings Co., Ltd. Sep 2013 General Manager, Management Planning Department, Japan Post Holdings Apr 2015 General Manager, Management Planning Department and Head of IR Preparation Office, Japan Post Holdings Jun 2016 Executive Officer; General Manager, Management Planning Department, Japan Post Holdings Sep 2017 General Manager, Secretariat, Japan Post Holdings Apr 2018 Managing Executive Officer, Japan Post Holdings Apr 2021 Managing Executive Officer; General Manager, Kinki Branch Office, Japan Post Co., Ltd. Jun 2023 Executive Vice President, Japan Post Bank Jun 2025 Director and Representative Executive Vice President, Japan Post Bank (current) Jun 2025 Managing Executive Officer, Japan Post Holdings (current)
1967-05-04
Kazuyuki NEGISHI
Director; Nominating Committee Member; Compensation Committee Member
Apr 1994 Joined Ministry of Posts and Telecommunications Apr 2010 Chief Manager, Sales Promotion Department, Japan Post Insurance Co., Ltd. Apr 2011 Chief Manager, Investment Planning Department, Japan Post Insurance Apr 2012 Chief Manager, Management Planning Department, Japan Post Network Co., Ltd. (currently Japan Post Co., Ltd.) Oct 2012 Chief Manager, Management Planning Department, Japan Post Co., Ltd. Jan 2014 Planning Officer, Management Planning Department, Japan Post Co., Ltd. Dec 2015 General Manager, Management Planning Department, Japan Post Co., Ltd. Apr 2017 Executive Officer, Japan Post Co., Ltd. Apr 2019 Managing Executive Officer, Japan Post Co., Ltd.; Managing Executive Officer, Japan Post Holdings Apr 2023 Managing Executive Officer; General Manager, Tokai Branch Office, Japan Post Co., Ltd. Apr 2025 Managing Executive Officer, Japan Post Holdings Jun 2025 Director, Japan Post Bank (current); Director and Representative Executive Officer, President, Japan Post Holdings (current); Director, Japan Post Co., Ltd. (current); Director, Japan Post Insurance Co., Ltd. (current)
1971-03-17
Miho ICHIKI
Director; Audit Committee Member (Full-time); Risk Committee Member
Apr 1992 Joined Ministry of Posts and Telecommunications Aug 2008 Chief Manager, Management Planning Department, Japan Post Network Co., Ltd. (currently Japan Post Co., Ltd.) Apr 2012 General Manager, Reform Promotion Office, Japan Post Network Oct 2012 General Manager, Reform Promotion Office, Post Office Headquarters, Management Department, Japan Post Co., Ltd. Apr 2013 General Manager, Post Office Reform Promotion Office, Management Planning Department, Japan Post Co., Ltd. Sep 2014 General Manager, Women's Empowerment Office, General Affairs and Human Resources Department, Japan Post Co., Ltd. Apr 2015 General Manager, Women's Empowerment Office, Human Resources Department, Japan Post Co., Ltd. Apr 2017 General Manager, Human Resources Training and Development Office, Human Resources Department, Japan Post Co., Ltd. Apr 2019 General Manager, Research Office, Management Planning Department, Japan Post Co., Ltd. Apr 2020 General Manager, Procurement Department, Japan Post Co., Ltd. Oct 2020 General Manager, Financial Sales Promotion Department, Japan Post Co., Ltd. Apr 2021 Executive Officer; General Manager, South Kanto Branch Office, Japan Post Co., Ltd. Apr 2023 Managing Executive Officer, Japan Post Holdings; Managing Executive Officer, Japan Post Co., Ltd. Jun 2025 Director, Japan Post Bank (current)
1969-07-22
Kenzo YAMAMOTO
Director; Chairperson of Risk Committee; Audit Committee Member
Apr 1976 Joined Bank of Japan Feb 2002 Director-General, Financial Markets Department, Bank of Japan May 2003 Senior Representative, New York Office, Bank of Japan Dec 2003 Head of Americas and Head of New York Office, Bank of Japan Jul 2005 Director-General, Payment and Settlement Systems Department, Bank of Japan Jul 2006 Director-General, Financial Institutions Department, Bank of Japan May 2008 Executive Director, Bank of Japan Jun 2012 Chairman, NTT DATA Institute of Management Consulting, Inc. Mar 2016 Outside Director, Bridgestone Corporation Jun 2018 Representative, Office for Financial and Economic Initiatives (current) Feb 2019 Director, Toyama Cultural Foundation (currently a public interest incorporated foundation) Jul 2019 Outside Director, Sumitomo Life Insurance Company (current) Jun 2020 Director, Japan Post Bank (current)
1954-01-21
Keiji NAKAZAWA
Director; Audit Committee Member; Compensation Committee Member
Apr 1978 Joined Sony Corporation Apr 2000 General Manager, Business Planning Department, Electronics HQ, Sony Corporation Apr 2003 CFO, Home Network Company, Sony Corporation Jun 2004 Group Executive; Representative Director and CFO, S-LCD Corporation Jun 2010 Senior Vice President (Executive Officer), Sony Corporation Apr 2015 Executive Officer, Sun Frontier Fudousan Co., Ltd. Oct 2015 Advisor, McDonald's Company (Japan), Ltd. Aug 2017 Executive Officer, McDonald's Company (Japan), Ltd. Jun 2022 Director, Japan Post Bank (current)
1956-01-02
Atsuko SATO
Director; Risk Committee Member
Apr 1989 Joined Goldman Sachs Securities Co., Ltd. Dec 2000 Managing Director, Goldman Sachs Securities Co., Ltd. Feb 2002 Head of Capital Markets, Goldman Sachs Securities Co., Ltd. Jul 2005 Founded Ciel Bleu Co., Ltd.; Representative Director and President Aug 2007 Director and General Manager, IR Department, Unison Capital Inc. Sep 2013 Professor, Faculty of Hospitality and Tourism, Meikai University Apr 2017 Associate Professor, Faculty of Economics, Takasaki City University of Economics Apr 2018 Part-time Lecturer, National Graduate Institute for Policy Studies Jun 2019 Outside Audit & Supervisory Board Member, DeNA Co., Ltd. (current) Feb 2022 Outside Director, Keiei Shokei Shien Co., Ltd. Jun 2022 Director, Japan Post Bank (current) Jun 2024 Outside Director, Yomeishu Seizo Co., Ltd. (current) Apr 2026 Professor, Faculty of Economics, Takasaki City University of Economics (current)
1966-06-07
Reiko AMANO
Director; Chairperson of Compensation Committee
Apr 1980 Joined Kajima Corporation Mar 2004 Visiting Professor, International Research Center for Urban Infrastructure Safety Engineering, Institute of Industrial Science, The University of Tokyo Apr 2005 Chief Manager, Civil Engineering Technology Department, Civil Engineering Management Division, Kajima Corporation Apr 2011 General Manager, Intellectual Property Department, Kajima Corporation Feb 2014 Senior Staff Officer, Intellectual Property Department, Kajima Corporation Oct 2014 Senior Advisor, Center for Resilient Disaster Prevention and Mitigation, National Research Institute for Earth Science and Disaster Resilience (currently National Research and Development Agency, National Research Institute for Earth Science and Disaster Resilience) Apr 2015 Auditor, National Institute for Environmental Studies Apr 2016 Senior Advisor, National Research Institute for Earth Science and Disaster Resilience Jun 2016 Outside Director, East Japan Railway Company Sep 2019 Auditor, Japan Atomic Energy Agency Jun 2021 Outside Director, Yokogawa Bridge Holdings Corp. (current) Jun 2023 Director, Japan Post Bank (current)
1954-01-21
Akane KATO
Director; Audit Committee Member
Nov 1984 Joined All Nippon Airways Co., Ltd. Jul 1994 Instructor, Cabin Training Department, Cabin Center, All Nippon Airways Jul 2007 Chief Staff Member, Training Business Department, ANA Learning Co., Ltd. (currently ANA Business Solutions Co., Ltd.) Apr 2012 Manager, VIP Service Department, ANA Tokyo Airport Branch (currently ANA Airport Services Co., Ltd.) Jul 2014 Representative Director, Akane Identities Inc. (current) Jun 2016 Outside Director, Sanei Co., Ltd. Apr 2018 Part-time Lecturer, Toho Music College Aug 2019 Registered Career Consultant Mar 2020 Outside Director, SUMCO Corporation Jun 2023 Director, Japan Post Bank (current)
1963-09-03
Shigeki MORI
Director; Nominating Committee Member; Compensation Committee Member
Apr 1981 Joined Nippon Sheet Glass Co., Ltd. Apr 2003 General Manager, Planning Office, Architectural Glass Company, Nippon Sheet Glass Co., Ltd. Jan 2005 General Manager, Functional Glass Production Technology Department, Architectural Glass Company, Nippon Sheet Glass Co., Ltd. Representative Director and President, NSG Kanto Co., Ltd. (currently Nippon Sheet Glass Building Products Co., Ltd.) Jul 2010 General Manager, Manufacturing, Processing and Sales Department (UK and Southern Europe), Architectural Glass Business Division, Nippon Sheet Glass Co., Ltd. May 2012 Senior Executive Officer; General Manager, Japan Region, Asia Business Department, Architectural Glass Business Division, Nippon Sheet Glass Co., Ltd. Jun 2012 Senior Executive Officer; General Manager, Functional Glass Business Division, Nippon Sheet Glass Co., Ltd. Apr 2015 Representative Executive Officer, President and CEO, Nippon Sheet Glass Co., Ltd. Jun 2015 Director, Representative Executive Officer, President and CEO, Nippon Sheet Glass Co., Ltd. Apr 2023 Director, Representative Executive Officer, Chairman, Nippon Sheet Glass Co., Ltd. Jun 2023 Executive Officer, Chairman, Nippon Sheet Glass Co., Ltd. (current) Jun 2025 Director, Japan Post Bank (current) Mar 2026 Outside Director, Bridgestone Corporation (current)
1958-07-22
Junko MORO
Director; Nominating Committee Member
Apr 1986 Joined Osaka Shosen Mitsui Steamship Co., Ltd. (currently Mitsui O.S.K. Lines, Ltd.) Jun 2014 General Manager, Secretariat, Mitsui O.S.K. Lines, Ltd. Apr 2017 Senior Manager (Dedicated), Management Planning Department; concurrently General Manager, One MOL Sales Strategy Promotion Office, Mitsui O.S.K. Lines Apr 2018 General Manager, Corporate Marketing Department, Mitsui O.S.K. Lines Apr 2019 Executive Officer, Mitsui O.S.K. Lines Apr 2021 Managing Executive Officer, Mitsui O.S.K. Lines Apr 2023 Advisor, Mitsui O.S.K. Lines Jun 2023 Director, Mitsui O.S.K. Lines (current) Jun 2025 Director, Japan Post Bank (current) May 2026 Outside Director, Life Corporation (current)
1963-05-31
Takao NAKAYAMA
Director
Apr 1987 Assistant Judge, Osaka District Court Apr 1995 Public Prosecutor, Nagoya Legal Affairs Bureau, Litigation Department Apr 1998 Judge, Tokyo District Court Apr 2001 Chief Judge, Shibata Branch, Niigata District and Family Court Apr 2005 Judge, Tokyo District Court Apr 2008 Public Prosecutor, Ministry of Justice (Director, Civil Litigation Division; Director, Litigation Planning Division; Deputy Director-General for Litigation) Apr 2013 Judge, Tokyo High Court Jul 2013 Presiding Judge, Tokyo District Court (Civil Division, Bankruptcy and Rehabilitation Division, Preservation Division; Acting Chief Judge, Civil Division) Sep 2018 Chief Judge, Nagano District and Family Court Dec 2020 Presiding Judge, Tokyo High Court May 2022 Director, Legal Training and Research Institute, Supreme Court of Japan May 2023 President, Hiroshima High Court Jul 2025 Registered as Attorney-at-Law (current) Advisor, Anderson Mori & Tomotsune, Gaikokuho Kyodo Jigyo (current)
Tomomitsu MISAWA
Director
Apr 1987 Joined Fujitsu Limited May 1995 Joined Oracle Corporation Japan Aug 2000 Executive Officer; Head of Partner Sales Division and Head of Solutions Division, Oracle Corporation Japan Jun 2006 Managing Executive Officer; Head of Systems Products Division and Head of Marketing Division, Oracle Corporation Japan Jun 2011 Senior Managing Executive Officer; Head of Technology Products Business Division, Oracle Corporation Japan Dec 2014 Vice President Executive Officer; Head of Database Business, Oracle Corporation Japan Dec 2015 Executive Vice President; Head of Cloud and Technology Business, Oracle Corporation Japan Mar 2016 Retired from Oracle Corporation Japan Jul 2016 Director, Managing Executive Officer; General Manager, IBM Cloud Business Division, IBM Japan, Ltd. Apr 2020 Director, Managing Executive Officer; in charge of Business Development and Technical Expert Division, IBM Japan, Ltd. Oct 2020 Senior Vice President, Oracle Corporation (current) Dec 2020 President and Representative Executive Officer, Oracle Corporation Japan Aug 2021 Director and Representative Executive Officer, President, Oracle Corporation Japan (current)
Large Shareholding Reports
No filings
Disclosures
No disclosures
Primary Source Filings
TDnet
2026-08-07
Q1 Earnings Flash
FY ending Mar 2027
EDINET
2026-06-18
Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2026-05-27
株主総会招集通知
EDINET
2026-05-15
中期経営計画
TDnet
2026-02-13
Q3 Earnings Flash
FY ending Mar 2026
EDINET
2025-11-21
Semi-Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2025-08-08
Q1 Earnings Flash
FY ending Mar 2026
EDINET
2025-06-19
Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2025-02-27
Q3 Earnings Flash
FY ending Mar 2025
TDnet
2025-02-14
Q3 Earnings Flash
FY ending Mar 2025
EDINET
2024-11-26
Semi-Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2024-08-09
Q1 Earnings Flash
FY ending Mar 2025
EDINET
2024-06-20
Annual Securities Report
Period: Apr 2023 – Mar 2024
EDINET
2024-02-14
Quarterly Securities Report
Period: Oct 2023 – Dec 2023
EDINET
2023-11-24
Quarterly Securities Report
Period: Jul 2023 – Sep 2023
EDINET
2023-08-10
Quarterly Securities Report
Period: Apr 2023 – Jun 2023
EDINET
2023-06-22
Annual Securities Report
Period: Apr 2022 – Mar 2023
EDINET
2023-02-14
Quarterly Securities Report
Period: Oct 2022 – Dec 2022
EDINET
2022-11-25
Quarterly Securities Report
EDINET
2022-08-10
Quarterly Securities Report
EDINET
2022-06-20
Annual Securities Report
EDINET
2022-02-14
Quarterly Securities Report
EDINET
2021-11-26
Quarterly Securities Report
EDINET
2021-08-11
Quarterly Securities Report
EDINET
2021-06-21
Annual Securities Report
EDINET
2021-05-14
中期経営計画
EDINET
2021-02-12
Quarterly Securities Report
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