Investor Presentaiton
SMBCCF
Financial results
FY3/21
FY3/22
YOY
(JPY bn)
Consumerloans
Promise (overseas)
■Mobit
| Loan guarantee
SMBC
Others
Promise
Operating income
273.5
268.9
(4.6)
+0.6%
(0.9)%
(JPY bn)
o/w Interest revenues
178.8
176.7
(2.1)
Loan guarantee
61.1
57.1
(4.0)
revenues
Operating expenses
200.8
200.5
(0.3)
(JPY bn)
1,192.6
1,137.1 1,144.2
1,211.5
107.4
104.1 113.6
1,102.2
1,091.6
289.3
286.2 296.0
610.1
552.3 551.6
o/w Expenses for
53.3
48.7
(4.6)
loan losses
Expense for
9.9
10.8
+0.9
795.9
746.8 734.5
loan guarantees
601.4
549.9 540.0
Expenses for
24.0
22.0
(2.0)
interest repayments
Ordinary profit
73.5
68.6
(4.9)
Mar.18 Mar. 19 Mar.20 Mar.21 Mar.22 Mar. 18 Mar. 19 Mar.20 Mar. 21 Mar.22
No. of interest refund claims
Net income
54.1
85.2
+31.1
NPLs
85.2
96.1
(Thousand)
60
(NPL ratio)
7.49%
8.40%
45
Allowance on interest
100.8
95.9
30
repayments (provision)
3.4 yrs
3.5 yrs
15
0
FY3/17
FY3/18
FY3/19
FY3/20
FY3/21
FY3/22
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