SMBC Group's Financial and Credit Portfolio
SMICC
Financial results**
*1
Coverage
1H
Retail
Wholesale
FY3/21
FY3/22 FY3/23
(JPY bn)
FY3/24
Gross operating
48.1
40.8
58.8
41.8
profit
Operating expenses
18.0
23.5
33.8
23.2
Net profit
(18.3)
1.2
11.6
5.4
SMFG
IndiaCredit
Pragati Ki Nayi Pehchaan
ROE
(24)%
2%
14.7%
11.4%
Loans
378.2
411.4
596.7
716.2
SMFG
India Credit
SMEs
Pragati Ki Nayi Pehchaan
High-net-worth Large corporations SMBC
Middle class Medium-sized corporations
SMFG
India Credit
Pragati Ki Nayi Pehchaan
Sole proprietor
Total assets
419.3
441.4
728.1
795.2
Mass market
Micro business operator
Loan balance*2
(INR bn)
1,975
943
614
512
385
254
Loan spread*2
(%)
*3
Loan breakdowns
10.7
10.0
6%
9.1
8.2
Secured loans
■Business loans
14%
6.7 6.3
30%
■ Personal loans
Group loans
11%
Mortgage loans
■Digital
9%
13%
■Others
18%
(vehicles/ motorcycle loans, etc.)
Bajaj Tata HDB IIFL SCUF SMICC
Capital Fin
SCUF Bajaj SMICC HDB IIFL Tata
Fin
Capital
*1 TTM as of Mar. 21: INR1= 1.51, Mar. 22: INR1=1.62, Mar. 23: INR1= 1.63, Sep. 23: INR1=1.80
*2 Based on each company's published data (Mar.22 results) *3 As of data acquisition
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