Sumitomo Mitsui Financial Group 2021 Financial Overview
SMCC
Financial results
Key figures
Sales handled
# of card holders
1H
FY3/21
YOY
(JPY bn)
FY3/22
(JPY tn)
(mn)
O-YOY
Operating revenue
447.5
227.0
+10.2
*1
30
20%
60
-O-YoY (industry)
o/w Commission fee
143.7
77.1
+10.0
20
10%
50
Finance
101.5
49.0
(3.1)
10
0%
40
40
Sales on credit
32.3
15.1
(1.5)
0
Receipt agency
48.1
25.0
+1.3
FY3/20 FY3/21
(10%) 0
1H
1H
FY3/21 FY3/22
Mar. 19 Mar.20 Mar. 21 Sep.21
Operating expense
413.0
206.9
+14.8
o/w Expenses for
Market share*
*2
22.7
11.6
+0.0
loan losses
Expense for
14.4
Issuing
Acquiring
interest repayments
Ordinary profit (loss)
35.3
23.2
(2.1)
12%
24%
Net income
35.8
14.8
(4.1)
Finance outstanding
667.5
662.4
*1 The Japan Consumer Credit Association "Credit card behavior investigation" Shopping credit amount
*2 METI "Indices of Tertiary Industry Activity" Sales credit business handled (2020 : JPY 62 tn)
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