SMBC Group's Financial and Credit Portfolio
Key credit messages*1
Earnings capability
USD 5.4 bn
SMFG's profit attributable to
owners of parent*2
(FY3/23)
Global Retail
Markets
Wholesale
Global
Breakdown of
consolidated net
business profit by
business unit
Sound loan portfolio
Robust liquidity
0.73%
SMFG NPL ratio
0.47%
SMBC NPL ratio
(non-consolidated)
58.1%
Loan to deposit ratio
(average Jul. - Sep. 23)
134.0%
LCR
Sound capital position
Transitional basis
High credit ratings
Recent issuances (AT1/Tier 2)
(As of Nov. 15, 2023)
Tier 2
Additional Tier 1 (AT1)
16.22%
15.20%
Issue date
Total Amount
Common Equity Tier 1 (CET1)
13.94%
Apr. 2023
JPY 140 bn
AT1
11.66%
Sep. 2023
JPY 211 bn
Total Capital ratio
Tier 1 ratio
9.66%
Jul. 2023
USD 1.0 bn
8.16%
Tier 2
CET1 ratio
Oct. 2023
JPY 130 bn
o/w
buffer*3
3.66%
Capital Requirement
A1/A1
SMBC/SMFG
Moody's Rating
ΑΙΑ-
SMBC/SMFG
S&P Rating
Sep. 23
*1 Consolidated, unless otherwise indicated, 1H FY3/24 *2 Converted into USD at period-end exchange rate
*3 Including G-SIB surcharge and countercyclical buffer
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