Sumitomo Mitsui Financial Group 2021 Financial Overview
Asset quality - solid loan portfolio
NPLs and NPL ratio*1
(JPY tn)
2.0
Total credit cost and total credit cost ratio*2
O Consolidated (left axis)
Non-consolidated (left axis)
Consolidated (right axis)
(JPY bn)
8%
600
O-Non-consolidated (right axis)
500
Consolidated (left axis)
Non-consolidated (left axis)
Consolidated (right axis)
-Non-consolidated (right axis)
(bp)
60
50
50
1.6
6%
400
360.5
36bp
40
40
1.2
0.8
0.7
0.6
0.6
300
30
30
242.7
1.0
4%
200
170.6
25bp 200.2
0.9
20
20
18bp
128.6
100
110
10
5bp 49.6
26.7
0.4
2%
0
0.4
(24.9)
0.98% 0.88%
0.68%
(100)
(10)
0.65% 0.58%
0.0
0.46%
Mar. 17 Mar. 18 Mar. 19 Mar. 20 Mar. 21 Sep. 21
0%
(200)
(20)
FY3/18 FY3/19
FY3/20 FY3/21
1H
FY3/21 FY3/22
1H
Coverage ratio*3
Consolidated
Non-consolidated
66.26% 65.37%
81.71%
80.50%
*1 NPL ratio = NPLs based on the Financial Reconstruction Act (excluding normal assets) / Total claims
*2 Total credit cost ratio = Total credit cost / Total claims
*3 Ratio of the collateral, guarantees and specific and general reserves to total NPLs
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