Sumitomo Mitsui Financial Group 2021 Financial Overview
SMBCCF
Financial results
Consumer loans
Loan guarantee
1H
■ Promise (overseas) Mobit ■ Promise
FY3/21
YOY
(JPY bn)
FY3/22
(0.5)%
= SMBC
Others
(4)%
Operating income
273.5
134.9
(3.4)
(JPY bn)
(JPY bn)
1,137.1 1,141.3 1,135.6
o/w Interest revenues
178.8
88.7
(1.8)
1,102.2 1,129.1
104.1 102.4 103.4
1,086.8
Loan guarantee
revenues
61.1
28.6
(2.7)
286.2 282.6
291.3
552.3 564.4 547.4
Operating expenses
200.8
95.5
+9.1
o/w Expenses for
53.3
33.0
+2.3
746.8 756.3 740.9
loan losses
549.9
564.7 539.3
Expense for
9.9
2.8
+0.8
loan guarantees
Mar. 19 Mar.20 Mar.21 Sep.20 Sep.21
Mar.19 Mar.20 Mar. 21 Sep.20 Sep.21
Expenses for
24.0
interest repayments
Ordinary profit
73.5
39.5
(12.9)
■ No. of interest refund claims
(Thousand)
Net income
54.1
32.1
(11.7)
20-
NPLs
85.2
91.8
15
(NPL ratio)
7.49%
8.08%
10
5
Allowance on interest
100.8
87.2
0
repayments (provision)
3.4 yrs
3.2 yrs
1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q
FY3/18
FY3/19
FY3/20
FY3/21
FY3/22
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