SMBC Group's Financial and Credit Portfolio
RCBC
Financial results**
*1
Coverage
Retail
1H
2020
2021
2022
(JPY bn)
2023
Gross operating
Large
81.9
81.9
105.8
61.5
RCBC
High-net-worth
Wholesale
SMBC
RCBC
profit
corporations
We lising it you
Operating expenses
47.6
50.7
59.7
37.5
Net profit
10.8
15.9
28.8
16.3
Mid-sized
RCBC
Middle class corporations
RCBC
ROE
5.5%
6.7%
10.1%
11.1%
We beli
We believe in u
SMEs
Loans
1,061.2 1,211.2
1,330.1 1,539.9
Deposits
Total assets
1,157.3 1,513.0 2,040.2 2,357.3
1,667.7 2,158.0 2,746.8 3,076.6
Mass market
RCBC
Micro business
owners
RCBC
We baie in you
Wabalipu
Total assets *2
ROE
*2
Loan breakdown (Jun. 23) *3
(PHP bn)
4,158
(%)
2,864
2,685
1,385
1,1741,163
15.9
15.5 15.1
12.9
Credit cards
10%
Mortgage 13%
11.1 10.6
Motorcycle loans
7%
Large
corporations
50%
SMEs
20%
BDO MBT BPI
CHIB RCBC PNB
CHIB
BPI
BDO MBT RCBC EW
*1 TTM as of Dec. 20: PHP1=2.16, Dec. 21: PHP1=2.25, Dec. 22: PHP1=2.38, Jun. 23: PHP1=2.62
*2 As of Jun. 23 *3 Figures are rounded off and will not necessarily be 100% in total.
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