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Investor Presentaiton

FY3/2022 financial results VS. FY3/22 YOY (JPY bn) Target 1 Consolidated gross profit 2,945.5 +139.3 G&A expenses 1,821.1 +74.0 2 Overhead ratio 61.8% (0.5)% Equity in gains (losses) 3 28.5 +3.5 of affiliates Consolidated 4 1,152.9 +68.9 +32.9 net business profit 5 Total credit cost 274.4 (86.1) +74.4 6 Gains (losses) on stocks 209.1 +116.5 7 Other income (expenses) (46.9) +58.1 8 Ordinary profit 1,040.6 +329.6 +60.6 9 Extraordinary gains (losses) (111.0) (72.3) 10 Income taxes 214.5 +58.2 Profit attributable to 11 706.6 +193.8 +36.6 owners of parent 12 ROE 7.3% +1.9% Consolidated gross profit: increased YoY due to strong performance of RT, WS and GB Business Units, despite lower gains on sales of bonds in GM Business Unit. Impact of SMBC Nikko case: approx. JPY (10) bn. G&A expenses: increased YoY due mainly to business recovery from COVID-19, as well as higher variable marketing costs of SMCC, which successfully increased its number of new customers. ● Equity in gains of affiliates: increased YoY due mainly to business recovery in affiliates in Asia. Impairment of aircraft at SMBCAC: JPY 47 bn Total credit cost: JPY 75 bn of reserve for exposure to Russia including forward-looking provisions. Gains on stocks: increased YoY due to higher gains on sales of strategic shareholdings (JPY 162 bn, YoY JPY 97 bn) Other income: increased YoY due to the absence of loss from forward dealings recorded in FY3/21. Allowance on interest repayment: JPY 32 bn, YoY JPY (7) bn Extraordinary losses: recorded impairment of branches and software at SMBC and SMBC Trust, as well as freight cars at SMBC Rail Services. Copyright ©2022 Sumitomo Mitsui Financial Group. All Rights Reserved. 4
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