SMBC Group's Financial and Credit Portfolio
FE Credit
Financial results**
*1
Coverage
Jan.- Jun.
Retail
Wholesale
2020
2021
2022
(JPY bn)
2023
Gross operating
78.4
77.0
84.9
31.5
profit
Large
High-net-worth
corporations
SMBC
Operating expenses
22.7
23.4
34.3
15.6
Net profit
13.4
0.6
(13.3)
(18.3)
FE CREDIT Middle class
VAY TIÊU DÙNG TÍN CHẤP
ROE
21.2%
0.8%
(16.5)%
(51.0)%
Mid-sized corporations
SMEs
Loans
297.2
377.1
385.4
372.4
Total assets
330.3
388.1
428.2
402.1
VAY TIÊU DÙNG TÍN CHẤP
FE CREDIT Mass market
Micro business
owners
Loan balance*2
(VND tn)
61.0
21.1 21.0
15.6
11.4
Loan spread*2
(%)
30.0
28.0
22.0
21.0
19.9
Sector average
17.4%
FE Credit Home Mcredit HD Shinhan
Credit
Sasion
Finance
HD Home Mcredit Shinhan FE
Sasion Credit
Finance Credit
Loan breakdown (Jun. 23)
*1 TTM as of Dec.20: VND1=0.0045, Dec.21: VND1=0.0050, Dec.22: VND1=0.0056, Jun. 23: VND1= 0.0061
*2 Based on FiinGroup data (Jun. 23 results)
Motorcycle loans
4%
Installment
3%
Credit cards
41%
Unsecured loans
52%
Copyright © 2023 Sumitomo Mitsui Financial Group.
All Rights Reserved.
54View entire presentation