SMBC Group's Financial and Credit Portfolio
SMCC
Financial results*
*1
Key figures
1H
FY3/23
YOY
Sales handled
(JPY bn)
FY3/24
(JPY tn)
O-YOY
# of card holders
(mn)
Operating revenue
523.5
306.3
+55.4
YoY (industry) 2 30% 60
30
30
o/w Commission fee
193.8
109.3
+17.3
20% 50
20
Finance
103.3
78.4
+27.8
10% 40
10
Sales on credit
28.0
14.2
(0.1)
Receipt agency
52.7
27.0
+1.4
0% 0
FY3/22FY3/23 1H
1H
FY3/23 FY3/24
Mar.21 Mar.22 Mar.23 Sep.23
Operating expense
490.7
282.5
+53.4
*3
o/w Expenses for
Market share
34.1
26.4
+11.0
loan losses
Expense for
Issuing
Acquiring
10.0
interest repayments
Ordinary profit (loss)
33.1
24.5
+2.9
12%
26%
Net income
21.8
17.0
+2.2
Finance outstanding
736.6
1,067.3
*1 Figure for FY3/23 and YoY change has not been adjusted to the reorganization of SMBC Mobit in Apr. 23
*2 Japan Consumer Credit Association "Credit card behavior investigation" Shopping credit amount
*3 METI "Indices of Tertiary Industry Activity" Sales credit business handled (2022 JPY 79 tn)
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