Japan Post Bank Co Ltd
TSE:7182

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Japan Post Bank Co Ltd
TSE:7182
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Price: 1 555.5 JPY 0.74% Market Closed
Market Cap: 5.6T JPY

NIM
Net Interest Margin

18.8%
Current
16%
Average
4.1%
Industry

Net Interest Margin is a measure of the difference between interest paid and interest received, adjusted for the total amount of interest-generating assets held by the bank. A positive net interest margin indicates that the bank is efficiently investing, whereas a negative net interest margin implies inefficient investing.

NIM
18.8%
=
Net Interest Income
936.9B
/
Interest-Earning Assets
5T

NIM Across Competitors

Japan Post Bank Co Ltd
Glance View

Market Cap
5.6T JPY
Industry
Banking

Japan Post Bank Co., Ltd. is an intriguing player in the global financial landscape, born from the privatization of Japan's extensive postal system. In its metamorphosis, the bank inherited one of the world's largest pools of household savings, traditionally held in the form of postal savings accounts. This massive reservoir of funds forms the backbone of the bank's operations, with much of it channeled into investments such as government bonds, a strategy that yields stable, albeit modest, returns. By maintaining a conservative investment portfolio, the bank ensures a reliable income stream from interest generated by these holdings. A dual business model further defines Japan Post Bank's identity. On one hand, it operates an extensive network through its partnership with post offices nationwide, providing retail banking services to Japan's urban centers and remote locales alike. On the other hand, the bank engages in asset management, leveraging its considerable funds under management to derive earnings from a combination of traditional instruments and gradually more diversified investment vehicles, including international securities. This balance of stability and gradual diversification characterizes Japan Post Bank's approach as it seeks to adapt to Japan's evolving financial environment while upholding the long-standing trust of its vast customer base.

Intrinsic Value
2 726.47 JPY
Undervaluation 43%
Intrinsic Value
Price
What is Net Interest Margin?

Net Interest Margin is a measure of the difference between interest paid and interest received, adjusted for the total amount of interest-generating assets held by the bank. A positive net interest margin indicates that the bank is efficiently investing, whereas a negative net interest margin implies inefficient investing.

NIM
18.8%
=
Net Interest Income
936.9B
/
Interest-Earning Assets
5T
What is the NIM of Japan Post Bank Co Ltd?

Based on Japan Post Bank Co Ltd's most recent financial statements, the company has NIM of 18.8%.

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