Investor Presentaiton
Key credit messages
(Consolidated, unless otherwise indicated, FY3/22)
Strong and diversified earnings
capability
Sound loan portfolio
USD 5.8 bn
SMFG's profit attributable to
owners of parent*1
1.08%
SMFG NPL ratio
Breakdown of
consolidated net
business profit by
business unit
Global
Markets
Retail
Wholesale
Global
0.77%
SMBC NPL ratio
(non-consolidated)
Robust liquidity
(average Jan. - Mar. 22)
56.2%
Loan to deposit ratio
141.7%
LCR
Sound capital position
High credit ratings
14.45%
CET1 ratio
(Fully-loaded basis)
A1/A1
SMBC/SMFG
Moody's rating
16.56%
Total capital ratio
A/A-
SMBC/SMFG
S&P rating
*1 Converted into USD at period-end exchange rate
(As of Apr. 30, 2022)
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