24,185 OUTLETS - The number of JApAN pOST BANk outlets in Japan

24,185 OUTLETS ThenumberofJApANpOST BANkoutletsinJapan specialFeature To be “The Most Convenient and Trustworthy Bank in Japan” JApAN pOST BANk has continued to make consistent efforts to fulfill its mission of being “themostconvenientandtrustworthybankinJapan”.Intoday’schallengingmarketenviron-ment,JApANpOSTBANkismakingthemostofitsstrengthstofulfillthatmission. Japan post Bank AnnualReport2010 11 specialFeature our operating Environment Japan’sretailfinancialmarkethastwodistinctivefeatures.First,themarket is extremely large; the total amount of individual financial assets is said to bethesecondlargestintheworld,approximately¥1,400trillion.Second,in comparison with other major countries, cash and deposits account for a high proportion of individual financial assets—more than 50%. Conse-quently,Japanhasthelargestamountofcashanddepositsintheworld. Household Assets in Major Countries % 100 75 50 Cash and deposits Insurance and pension Securities excluding stocks Stocks and other equities Others 25 0 Japan Germany United Kingdom France United States Sources:BankofJapan“FlowofFunds”,FRB“FlowofFundsAccount”,ONS“UnitedkingdomEconomicAccounts”,DeutscheBundesbank“Households’ financialassetsandliabilities1991-200”,BanquedeFrance“FinancialAccounts” Until a few years ago, household assets in Japan had begun to shift from savings to investments, and consequently the proportion of individual financialassetsaccountedforbyriskassets,suchasequitiesandinvestment trusts,begantoincrease.However,againstabackgroundofuncertaintyin financial markets from 2007, consumers became more risk averse, and depositsbegantoincreaseonceagain.InJapan,theongoingtrendtoward adecliningbirthrateandanagingpopulationismakingitincreasinglydif-ficult to maintain the current public pension system; there is a steadily growingrecognitionthatindividualsneedtosecuretheirownresourcesfor retirement. Deposits continued to be the primary method of saving per-sonalwealth. Household Assets in Japan ¥ TRILLION 1,600 1,200 800 Cash and deposits Bonds Investment trusts Stocks and other equities Insurance and pension Others 400 0 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 FISCAL YEAR Source:BankofJapan“FlowofFunds” 12 Japan post Bank AnnualReport2010 the Distinctive Role of Japan post Bank The distinctive role of JApAN pOST BANk’s retail banking operations is supported by three key strengths—the convenience that stems from the Bank’s extensive network, the condence derived from the Bank’s massive depositbase,andthesafetythatresultsfromtheBank’sconservativeinvest-ment policies. With these three strengths, JApAN pOST BANk has a clear competitiveadvantageoverotherfinancialinstitutions. three distinct strengths supporting the significance of Japan post Bank’s operations  COnVenIenCe • Anetworkofoutletsthatiswithin walkingdistanceofnearlyevery pointinJapan,availablethrough JApANpOSTNETWORk • Comprehensivesaleschannels, includingbranches,ATMs,and theInternet  COnfIdenCe • Thelargestnumberofaccounts andthelargestcustomerbase inJapan • Broadbaseofcustomers extendingtoallgenerations andallregionsofJapan  SAfeTY • Steady,conservativeinvestment policy,centeredonJapanese GovernmentBonds • Maintenanceoflow-cost operations JApAN pOST NETWORk is a reliable partner that is indispensable in the conduct of the Bank’s operations. JApAN pOST BANk and JApAN pOST NETWORkhavebeenoneoperationformorethan130years,eversincethe post Ofice started postal savings and domestic remittance operations in 175. Even after 2007, when the Bank was spun off from JApAN pOST, the Bank and JApAN pOST NETWORk have enjoyed a mutually beneficial rela-tionship,withtheBankactingprimarilyastheplanningdivisionandJApAN pOSTNETWORkasthesalesdivision. ThefollowingpagesillustratetheroletheBankisplayingasitleverages andbuildsonthisrelationshipwithJApANpOSTNETWORk. providing financial services through the division of roles • Bankagencyoperationsthroughamassive nationwidenetworkofapproximately24,000 postoficesstaffedbyapproximately110,000 postoficeemployees • Leveragepointsofcustomercontactthat arecloselylinkedtolocalcommunities,and implementsalespromotions • Drawonbrandrecognitioncultivatedoveran extensivehistory • Developmentoffinancialproductsthatmeet fundamentalcustomerneeds • Conservativeinvestmentofdeposits • Implementationofsalespromotionsand campaigns • Implementationofmarketingeducationand trainingforpostoficeemployees Japan post Bank AnnualReport2010 13 specialFeature strength  COnVenIenCe an Extensive network As of March 31, 2010, the Bank had a total of 24,15 outlets nationwide, comprising234branchesand23,951postofices.Inaddition,theBankhad 2,191ATMs. This outlet network is substantially broader than the domestic branch networks of Japan’s mega banks, and the ATM network is significantly largerthantheATMnetworksinconveniencestorechains.Underpinnedby thisextensivenetwork,JApANpOSTBANkhasanextremelycloseandcon-venientpresenceforpeoplelivinginallregionsofJapan,andasaresultthe Bankhasbecomeanintegralpartoftheirdailylives. Japan 234 Branches 23,951 Post Oces 26,191 ATMs (As of March 31, 2010) 5 1,480 1,677 Hokkaido 10 Tohoku 2,572 2,278 Chubu 33 Chugoku 11 2,235 2,167 4,468 4,532 111 Kanto 4,995 6,981 44 Kinki 6 13 1,154 1,154 3,411 4,065 3,435 3,088 Shikoku 1 Kyushu 201 249 Okinawa 24,185 JAPAN POST BANK 635 Average of Japan’s Mega Banks 1,750 Number of Municipalities*2 26,146 JAPAN POST BANK 25,786 Total of Six Major City Banks NUMBER OF DOMESTIC OUTLETS*1 (As of March 31, 2010) NUMBER OF DOMESTIC CD ATMS (As of September 30, 2009) *1.Outlets:Branches+postofices *2.Municipalities:Allcities,towns,andvillagesinJapan Sources:JapanBankersAssociationandeachBank’srespectiveoficialwebsite LocalAuthoritiesSystemsDevelopmentCenter(LASDEC)oficialwebsite 14 Japan post Bank AnnualReport2010 Outlets and Services The Bank has two types of outlets: branches, principally in urban areas, and , post oces that have been commissioned to handle bank agency operations. Most branches are operated under the JAPAN POST BANK name while being located in post oce buildings, but some branch-es are in buildings that are separate from post oce facilities. At post of-ces, which are operated by JAPAN POST NETWORK, employees handle bank agency operations as one facet of counter operations. The services oered by outlets dier in accordance with the needs of the customers in each area. For example, deposits and domestic remittance services are oered at nearly all outlets, including post oces. However, some post oces do not handle sales of investment products, such as in-vestment trusts, and mortgage loan intermediary operations are only avail- able at certain branches. Services Oered at Outlets Basic Services • Deposits • Domestic remittance • ATM service Enhanced Services • International remittance • Investment trusts • Variable annuities • Mortgageloan intermediary Distinctive Features of Our ATM Service Tomaintainexistingcustomersandtocultivatenewcustomers,wedonot charge a commission for the use of our ATMs with our bank cards, no matter what time the ATM is used. We believe that this convenience is one of the key reasons we have earned the support of so many customers. In addition, customers from overseas can use our ATMs to withdraw money. Almost all credit cards and bank cards issued by overseas nancial institutions can be used to withdraw cash in yen. The Bank’s ATMs are also easy to use for physically challenged customers. Braille and voice guidance systems are available for visually challenged customers. (These services are available in English as well as Japanese.) Internet Banking The Bank is continuously enhancing its service lineup. We oer Internet banking services through the website “Yucho Direct”. In January , we began to participate in the Interbank Data Telecommunication System, “Zengin Net”, and consequently transfers to and from other nancial institu-tions have been available, even via the Internet, since May . Available Everywhere: JAPANPOSTBANKServices Post oces, which provide JAPAN POST BANK services, have a presence that extends through-out Japan. This includes regions in which the post oce is the only nearby nancial institution. For people who live in these areas, JAPAN POST BANK outlets are a community place. KAMIONGATA POST OFFICE ZENKOJI POST OFFICE JAPAN POST BANK Annual Report ... - tailieumienphi.vn