SMBC Group's Financial and Credit Portfolio
Total credit cost and total credit cost ratio*
*2
Asset quality – solid loan portfolio
|
-
NPLs and NPL ratio*1
(JPY tn)
2.0
Consolidated (left axis)
Non-consolidated (left axis)
Consolidated (right axis)
8%
(JPY bn)
600
Non-consolidated (right axis)
1.6
1.2
1.2
Consolidated (left axis)
Non-consolidated (left axis)
-Consolidated (right axis)
-Non-consolidated (right axis)
500
6%
400
360.5
36bp
(bp)
60
50
50
40
40
1.0
0.9
4%
300
0.9
0.8
0.8
0.7
0.7
0.6
0.5
0.4
0.4
1.08%
0.98%
0.80%
0.76% 0.68%
0.73%
0.77%
0.54%
0.65%
0.46%
0.52%
0.47%
274.4
30
30
242.7
26bp
210.2
170.6
0.6
200
25bp
0.5
161.1
18bp
20
20
2%
18bp
15bp
115.5
100.3
100
O
10bp
83.1
10
63.5
49.6
5bp
10.2
0.0
0%
0
Mar. 19 Mar. 20 Mar. 21 Mar. 22 Mar. 23 Sep. 23
FY3/20 FY3/21 FY3/22 FY3/23
FY3/23 1H
1H
FY3/23 FY3/24
Coverage ratio*3
Consolidated
Non-consolidated
68.89% 66.49%
86.18% 86.73%
*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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