# JAPAN POST BANK CO LTD

Summary updated: 2026-10-02T10:41:10.188807Z
Canonical: https://finbar.com/research/companies/japan-post-bank-co

## Overview

Japan Post Bank Co., Ltd. is a Japanese banking institution in the Japan Post Group, established in 2006. Its core business is providing retail financial services—including deposits, payments, transfers and digital banking—primarily through Japan’s nationwide post-office network, complemented by a large investment business in domestic and overseas financial assets. [1](https://www.jp-bank.japanpost.jp/en/aboutus/company/en_abt_cmp_profileoutline.html)[2](https://app.finbar.com/go?id=P139058853)

The bank describes its aspiration as becoming “the most familiar and trusted bank,” with a role in providing safe and secure financial services throughout Japan. Its principal customer-facing presence is domestic; international exposure is reflected in its investment portfolio rather than an overseas retail branch network. [1](https://www.jp-bank.japanpost.jp/en/aboutus/company/en_abt_cmp_profileoutline.html)[3](https://app.finbar.com/go?id=P139058706)[4](https://app.finbar.com/go?id=T16971862)

As of March 31, 2026, Japan Post Bank reported 10,659 employees. For FY2026, it reported ¥759.1 billion in net ordinary income and ¥525.5 billion in net income attributable to owners of the parent; these banking measures are more informative than conventional industrial revenue. [1](https://www.jp-bank.japanpost.jp/en/aboutus/company/en_abt_cmp_profileoutline.html)[5](https://app.finbar.com/go?id=T16971848)
[1](https://www.jp-bank.japanpost.jp/en/aboutus/company/en_abt_cmp_profileoutline.html)[2](https://app.finbar.com/go?id=P139058853)[3](https://app.finbar.com/go?id=P139058706)[4](https://app.finbar.com/go?id=T16971862)[5](https://app.finbar.com/go?id=T16971848)[1](https://www.jp-bank.japanpost.jp/en/aboutus/company/en_abt_cmp_profileoutline.html)

## Products & services

Japan Post Bank offers transfer, ordinary, savings, fixed-term, time and TEIGAKU deposits. At March 31, 2026, deposits totaled ¥186.1 trillion, including ¥125.1 trillion in liquid deposits and ¥60.8 trillion in fixed-term deposits; ordinary deposits were ¥112.4 trillion. The bank reported approximately 120 million ordinary accounts. [6](https://app.finbar.com/go?id=P139050460)[7](https://app.finbar.com/go?id=P139050295) Its TEIGAKU deposit can be withdrawn after six months, compounds interest semiannually for up to 10 years, and has a ¥1,000 minimum deposit; automatic-installment and collateralized variants are also offered. [8](https://www.jp-bank.japanpost.jp/kojin/chokin/teigaku/kj_cho_tg_teigaku.html)[9](https://www.jp-bank.japanpost.jp/kojin/chokin/teigaku/kj_cho_tg_index.html)

Investment and asset-management offerings include investment trusts, NISA accounts, iDeCo, systematic redemption, fund wraps and variable annuities. The bank also provides trust intermediation, insurance products, testamentary trusts and estate-settlement intermediation. [10](https://app.finbar.com/go?id=P139049896)[11](https://app.finbar.com/go?id=P139050195)[12](https://www.jp-bank.japanpost.jp/kojin/tameru/toushin/index.html) Loan offerings identified include housing loans and Flat 35-related mortgages; Yucho Flat 35 is a fixed-rate mortgage of up to 35 years offered with the Japan Housing Finance Agency. [10](https://app.finbar.com/go?id=P139049896)[13](https://www.jp-bank.japanpost.jp/kojin/loan/kj_ln_flat35.html)

Payment and digital services include domestic transfers, Pay-easy payments, balance and transaction-history inquiries, automatic-debit registration, investment-trust transactions and debit-card applications through Yucho Direct. The Japan Post Bank Visa debit card draws purchases from the linked account. [14](https://www.jp-bank.japanpost.jp/direct/pc/service/dr_pc_sv_index.html)[15](https://www.jp-bank.japanpost.jp/kojin/cashless/yuchodebit/kj_cl_yd_index.html) The Yucho Bankbook App had 16.62 million registrations as of March 31, 2026; online international remittance is also available, and overseas-issued cards can be used to withdraw cash at the bank’s ATMs. [7](https://app.finbar.com/go?id=P139050295)[16](https://www.jp-bank.japanpost.jp/en/djp/en_djp_index.html)[17](https://www.jp-bank.japanpost.jp/en/ias/en_ias_index.html)
[6](https://app.finbar.com/go?id=P139050460)[7](https://app.finbar.com/go?id=P139050295)[8](https://www.jp-bank.japanpost.jp/kojin/chokin/teigaku/kj_cho_tg_teigaku.html)[9](https://www.jp-bank.japanpost.jp/kojin/chokin/teigaku/kj_cho_tg_index.html)[10](https://app.finbar.com/go?id=P139049896)[11](https://app.finbar.com/go?id=P139050195)[12](https://www.jp-bank.japanpost.jp/kojin/tameru/toushin/index.html)[13](https://www.jp-bank.japanpost.jp/kojin/loan/kj_ln_flat35.html)[14](https://www.jp-bank.japanpost.jp/direct/pc/service/dr_pc_sv_index.html)[15](https://www.jp-bank.japanpost.jp/kojin/cashless/yuchodebit/kj_cl_yd_index.html)[16](https://www.jp-bank.japanpost.jp/en/djp/en_djp_index.html)[17](https://www.jp-bank.japanpost.jp/en/ias/en_ias_index.html)[8](https://www.jp-bank.japanpost.jp/kojin/chokin/teigaku/kj_cho_tg_teigaku.html)[9](https://www.jp-bank.japanpost.jp/kojin/chokin/teigaku/kj_cho_tg_index.html)[12](https://www.jp-bank.japanpost.jp/kojin/tameru/toushin/index.html)[13](https://www.jp-bank.japanpost.jp/kojin/loan/kj_ln_flat35.html)[14](https://www.jp-bank.japanpost.jp/direct/pc/service/dr_pc_sv_index.html)[15](https://www.jp-bank.japanpost.jp/kojin/cashless/yuchodebit/kj_cl_yd_index.html)[16](https://www.jp-bank.japanpost.jp/en/djp/en_djp_index.html)[17](https://www.jp-bank.japanpost.jp/en/ias/en_ias_index.html)

## Geographic presence

Japan Post Bank’s documented operating footprint is domestic: it serves customers through a nationwide post-office network, has its head office in Tokyo, and reports no overseas branches. As of 31 March 2026, it reported 235 offices and 10,659 employees; the cited disclosures provide aggregate figures rather than a breakdown of offices or employees by prefecture or region. [18](https://www.jp-bank.japanpost.jp/aboutus/company/outline/abt_cmp_ol_profile.html) [19](https://faq.jp-bank.japanpost.jp/faq_detail.html?id=782)

The available reporting does not provide revenue or income shares by country or region, so a geographic sales mix cannot be stated from these disclosures. [20](https://app.finbar.com/go?id=P153766695)
[20](https://app.finbar.com/go?id=P153766695)[18](https://www.jp-bank.japanpost.jp/aboutus/company/outline/abt_cmp_ol_profile.html)[19](https://faq.jp-bank.japanpost.jp/faq_detail.html?id=782)

## Business segments

For the fiscal year ended March 31, 2026, Japan Post Bank reported one accounting segment: **Banking services**. Segment information is omitted because the Group comprises only that segment; accordingly, it represents 100% of the Group’s reported segment activity. The company does not disclose separate segment-level revenue, income, or assets for calculating further contribution percentages. [21](https://app.finbar.com/go?id=P153880218)[22](https://app.finbar.com/go?id=P153880243)

The Bank also describes three strategic businesses, which are not separately reported accounting segments: **Retail Business**, focused on customer relationships and service through physical and digital channels; **Market Business**, focused on managing and optimizing investment portfolios; and **Σ Business**, focused on regional economic revitalization and corporate-value creation through investment and collaboration with regional partners. No contribution percentages are reported for these strategic businesses, so their relative shares cannot be quantified from the cited disclosures. [23](https://app.finbar.com/go?id=T15893336)[23](https://app.finbar.com/go?id=T15893336)[23](https://app.finbar.com/go?id=T15893336)
[21](https://app.finbar.com/go?id=P153880218)[22](https://app.finbar.com/go?id=P153880243)[23](https://app.finbar.com/go?id=T15893336)[23](https://app.finbar.com/go?id=T15893336)[23](https://app.finbar.com/go?id=T15893336)[24](https://www.jp-bank.japanpost.jp/ir/financial/ir_fnc_yukashoken.html)[25](https://www.jp-bank.japanpost.jp/en/ir/financial/pdf/en2025_all_view.pdf)

## Company history

Japan Post Bank’s institutional roots date to 1875, when Japan introduced postal money orders and postal savings. In October 2005, it began selling investment trusts through the postal network, extending its services beyond savings. [26](https://www.jp-bank.japanpost.jp/en/aboutus/company/en_abt_cmp_history.html)

Yucho Co., Ltd. was established in September 2006 as a preparatory company. Following postal privatization on October 1, 2007, it became a private bank under the Banking Act and adopted the name JAPAN POST BANK Co., Ltd. [26](https://www.jp-bank.japanpost.jp/en/aboutus/company/en_abt_cmp_history.html)[27](https://app.finbar.com/go?id=P153879663) Its shares were listed on the Tokyo Stock Exchange First Section on November 4, 2015. [28](https://www.japanpost.jp/en/ir/library/disclosure/2020/pdf/06.pdf) In March 2025, Japan Post Holdings’ shareholding fell below 50% after a secondary share offering, partially relaxing restrictions on new business under privatization law. [29](https://app.finbar.com/go?id=P139059635)[30](https://app.finbar.com/go?id=P139058905)
[27](https://app.finbar.com/go?id=P153879663)[29](https://app.finbar.com/go?id=P139059635)[30](https://app.finbar.com/go?id=P139058905)[26](https://www.jp-bank.japanpost.jp/en/aboutus/company/en_abt_cmp_history.html)[28](https://www.japanpost.jp/en/ir/library/disclosure/2020/pdf/06.pdf)

## Sources

1. [www.jp-bank.japanpost.jp](https://www.jp-bank.japanpost.jp/en/aboutus/company/en_abt_cmp_profileoutline.html)
2. [JAPAN POST BANK CO LTD — Full financial report (2025 Y), p19](https://app.finbar.com/go?id=P139058853)
3. [JAPAN POST BANK CO LTD — Full financial report (2025 Y), p16](https://app.finbar.com/go?id=P139058706)
4. [JAPAN POST BANK CO LTD — Other (2026 Y), p23](https://app.finbar.com/go?id=T16971862)
5. [JAPAN POST BANK CO LTD — Other (2026 Y), p14](https://app.finbar.com/go?id=T16971848)
6. [JAPAN POST BANK CO LTD — Presentation (2026 Y), p61](https://app.finbar.com/go?id=P139050460)
7. [JAPAN POST BANK CO LTD — Presentation (2026 Y), p48](https://app.finbar.com/go?id=P139050295)
8. [www.jp-bank.japanpost.jp](https://www.jp-bank.japanpost.jp/kojin/chokin/teigaku/kj_cho_tg_teigaku.html)
9. [www.jp-bank.japanpost.jp](https://www.jp-bank.japanpost.jp/kojin/chokin/teigaku/kj_cho_tg_index.html)
10. [JAPAN POST BANK CO LTD — Presentation (2026 Y), p19](https://app.finbar.com/go?id=P139049896)
11. [JAPAN POST BANK CO LTD — Presentation (2026 Y), p43](https://app.finbar.com/go?id=P139050195)
12. [www.jp-bank.japanpost.jp](https://www.jp-bank.japanpost.jp/kojin/tameru/toushin/index.html)
13. [www.jp-bank.japanpost.jp](https://www.jp-bank.japanpost.jp/kojin/loan/kj_ln_flat35.html)
14. [www.jp-bank.japanpost.jp](https://www.jp-bank.japanpost.jp/direct/pc/service/dr_pc_sv_index.html)
15. [www.jp-bank.japanpost.jp](https://www.jp-bank.japanpost.jp/kojin/cashless/yuchodebit/kj_cl_yd_index.html)
16. [www.jp-bank.japanpost.jp](https://www.jp-bank.japanpost.jp/en/djp/en_djp_index.html)
17. [www.jp-bank.japanpost.jp](https://www.jp-bank.japanpost.jp/en/ias/en_ias_index.html)
18. [www.jp-bank.japanpost.jp](https://www.jp-bank.japanpost.jp/aboutus/company/outline/abt_cmp_ol_profile.html)
19. [faq.jp-bank.japanpost.jp](https://faq.jp-bank.japanpost.jp/faq_detail.html?id=782)
20. [JAPAN POST BANK CO LTD — Press release (2027 Q 1), p5](https://app.finbar.com/go?id=P153766695)
21. [JAPAN POST BANK CO LTD — Partial financial report (2026 Y), p60](https://app.finbar.com/go?id=P153880218)
22. [JAPAN POST BANK CO LTD — Partial financial report (2026 Y), p61](https://app.finbar.com/go?id=P153880243)
23. [JAPAN POST BANK CO LTD — Full financial report (2025 Y), p19](https://app.finbar.com/go?id=T15893336)
24. [www.jp-bank.japanpost.jp](https://www.jp-bank.japanpost.jp/ir/financial/ir_fnc_yukashoken.html)
25. [www.jp-bank.japanpost.jp](https://www.jp-bank.japanpost.jp/en/ir/financial/pdf/en2025_all_view.pdf)
26. [www.jp-bank.japanpost.jp](https://www.jp-bank.japanpost.jp/en/aboutus/company/en_abt_cmp_history.html)
27. [JAPAN POST BANK CO LTD — Partial financial report (2026 Y), p12](https://app.finbar.com/go?id=P153879663)
28. [www.japanpost.jp](https://www.japanpost.jp/en/ir/library/disclosure/2020/pdf/06.pdf)
29. [JAPAN POST BANK CO LTD — Full financial report (2025 Y), p38](https://app.finbar.com/go?id=P139059635)
30. [JAPAN POST BANK CO LTD — Full financial report (2025 Y), p21](https://app.finbar.com/go?id=P139058905)

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