FLUJO DE CAJA Y ANÁLISIS DE SENSIBILIDAD

a. Transactions with related parties

Transactions between the Bank and related parties for the fiscal years ended March 31, 2013 and 2012 were as follows: (1) Transactions between the Bank and the parent company, or major shareholders:

For the fiscal year ended March 31, 2013

JAPAN POST HOLDINGS Co., Ltd. (Parent company)

Ownership of voting rights held 100% of the Bank’s shares

Capital ¥3,500,000 million ($37,214,247 thousand) Nature of transactions Business management

Concurrent holding of positions by executive management directors Details of transactions Payments of grants* Payments of IT system

(PNET) service charge** Payments of management fees*** Transaction amount ¥27,009 million

($287,182 thousand) ¥28,270 million ($300,589 thousand) ¥2,914 million ($30,989 thousand) Account Other assets Other liabilities Other liabilities Outstanding balance at end of the fiscal year ¥5,560 million

($59,125 thousand) ¥2,462 million ($26,183 thousand) ¥267 million ($2,844 thousand)

Notes to Financial Statements

MD&A Fin A nci A l St Ate M ent S Fin A nci A l D At A

For the fiscal year ended March 31, 2012

JAPAN POST HOLDINGS Co., Ltd. (Parent company)

Ownership of voting rights held 100% of the Bank’s shares Capital ¥3,500,000 million Nature of transactions Business management

Concurrent holding of positions by executive management directors Details of transactions Payments of grants* Payments of IT system

(PNET) service charge** Payments of management fees*** Transaction amount ¥43,593 million ¥29,508 million ¥3,176 million

Account — Other liabilities Other liabilities Outstanding balance at end of the fiscal year — ¥2,610 million ¥277 million

* Payment is made pursuant to Article 122 of the Postal Service Privatization Act.

** Payment is made for data processing services using JAPAN POST GROUP internal networks in accordance with a contract with the parent company, at rates determined based on general transactions.

*** Payment of management fees is determined based on the total costs incurred in regard to business management conducted by the parent company. Note: Transaction amount is exclusive of consumption and other taxes. Year-end balance includes consumption and other taxes.

(2) Transactions between the Bank and unconsolidated subsidiaries or affiliates: None for the fiscal years ended March 31, 2013 and 2012

(3) Transactions between the Bank and companies with the same parent or subsidiaries of the Bank’s affiliates: For the year ended March 31, 2013

JAPAN POST Co., Ltd. (Subsidiary of parent company) Ownership of voting

rights held

Nil

Capital ¥100,000 million ($1,063,264 thousand)

Nature of transactions Consignment of bank agency services, Consignment contracts for logistics operations, and Concurrent holding of positions by executive management directors

Details of transactions Payment of consignment fees related to bank agency services*

Receipt and payment of funds related to bank agency services

Payment of consignment fees for logistics operations**** Transaction amount ¥609,578 million

($6,481,433 thousand) ¥1,162,630 million ($12,361,830 thousand) — ¥2,274 million ($24,179 thousand) Account Other liabilities Other assets** Other liabilities *** Other liabilities Outstanding balance

at end of the fiscal year ¥54,171 million ($575,986 thousand) ¥1,120,000 million ($11,908,559 thousand) ¥32,468 million ($345,228 thousand) ¥323 million ($3,442 thousand)

* The figures are determined based on the total costs incurred in connection with the operations provided by the operation outsourcing companies. ** The figures represent advance payments of funds necessary for delivery of deposits in bank agency services. The transaction amounts are presented on an

average balance basis for the fiscal year ended March 31, 2013.

*** The figures represent the unsettled amount between the Bank and JAPAN POST Co., Ltd. in connection with receipt/payment operations with customers in bank agency services. Transaction amounts are not presented because, being settlement transactions, these amounts are substantial.

**** Payment is made of fees for consigned operations, such as loading and unloading, storage, and delivery of articles at rates determined based on general transactions. Notes: 1. Transaction amount is exclusive of consumption and other taxes. Year-end balance includes consumption and other taxes.

2. The above amounts include the amount of transactions with JAPAN POST SERVICE Co., Ltd. On October 1, 2012, JAPAN POST NETWORK Co., Ltd. changed its name to JAPAN POST Co., Ltd., and acquired the business operations, etc., of and merged with JAPAN POST SERVICE Co., Ltd.

For the fiscal year ended March 31, 2012

JAPAN POST NETWORK Co., Ltd. (Subsidiary of parent company) Ownership of voting rights held Nil

Capital ¥100,000 million

Nature of transactions Consignment of bank agency services and Concurrent holding of positions by executive management directors

Details of transactions Payment of consignment

fees* Receipt and payment of funds related to bank agency services Transaction amount ¥619,085 million ¥1,268,251 million —

Account Other liabilities Other assets** Other assets*** Outstanding balance at end of the fiscal year ¥55,891 million ¥1,240,000 million ¥27,936 million

* The figures are determined based on the total costs incurred in connection with the operations provided by the operation outsourcing companies.

** The figures represent advance payments of funds necessary for delivery of deposits based on the bank agency services agreement. The transaction amounts are presented on an average balance basis for the fiscal year ended March 31, 2012.

*** The figures represent the unsettled amount between the Bank and JAPAN POST NETWORK Co., Ltd. in connection with receipt/payment operations with customers based on the bank agency services agreement. Transaction amounts are not presented because, being settlement transactions, these amounts are substantial. Note: Transaction amount is exclusive of consumption and other taxes. Year-end balance includes consumption and other taxes.

JAPAN POST SERVICE Co., Ltd. (Subsidiary of parent company) Ownership of voting rights held Nil

Capital ¥100,000 million

Nature of transactions Consignment contracts for logistics operations

Details of transactions Payment of consignment fees for logistics operations**** Transaction amount ¥2,467 million

Account Other liabilities Outstanding balance at end of the fiscal year ¥287 million

**** In accordance with contracts with JAPAN POST SERVICE Co., Ltd., payment is made of fees for consigned operations, such as loading and unloading, storage, and delivery of articles at rates determined based on general transactions.

Note: Transaction amount is exclusive of consumption and other taxes. Year-end balance includes consumption and other taxes.

(4) Transactions between the Bank and directors and/or executive officers: None for the fiscal years ended March 31, 2013 and 2012

b. Notes related to the parent company and/or significant affiliates

(1) Information on the parent company

JAPAN POST HOLDINGS Co., Ltd. (Unlisted) (2) Information on significant affiliates

None

Notes to Financial Statements

MD&A Fin A nci A l St Ate M ent S Fin A nci A l D At A