Sumitomo Mitsui Financial Group 2021 Financial Overview
Key credit messages
(Consolidated, unless otherwise indicated, 1H FY3/22)
Strong and diversified earnings
capability
USD 4.6 bn
(FY3/21)
SMFG's profit attributable to
owners of parent*1
Breakdown of
consolidated net
business profit by
business unit
Sound loan portfolio
Robust liquidity
0.88%
SMFG NPL ratio
0.58%
SMBC NPL ratio
(non-consolidated)
55.5%
Loan to deposit ratio
144.7%
LCR
Global Retail
Markets
Wholesale
Global
(average Jul. -Sep. 21)
Sound capital position
High credit ratings
15.92%
CET1 ratio
(Fully-loaded basis)
A1/A1
SMBC/SMFG
Moody's rating
18.28%
Total capital ratio
A/A-
SMBC/SMFG
S&P rating
*1 Converted into USD at period-end exchange rate
(As of Oct. 31, 2021)
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