SMBC Group's Financial and Credit Portfolio
SMBCCF
Financial results
Consumer loans
Loan guarantee
1H
FY3/23
YOY *1
■Promise (overseas)
(JPY bn)
■ Promise
+8%
SMBC
Others
+8%
(JPY bn)
(JPY bn)
FY3/24
1,199.5
950.3
Operating income
294.1
131.1
(15.6)
907.4 880.7
125.6 128.6
1,143.7
1,112.7
138.5
o/w Interest revenues
183.4
72.1
(19.2)
625.2
584.7
565.2
Loan guarantee
71.4
38.1
+2.8
revenues
781.8 752.1
811.9
Operating expenses
216.8
102.0
+1.7
559.0
547.5 574.3
o/w Expenses for
56.8
46.1
+10.6
loan losses
Mar.21 Mar.22 Mar.23 Sep.22 Sep.23
Mar.21 Mar.22 Mar.23 Sep.22 Sep.23
Expense for
11.4
3.4
+1.4
loan guarantees
Expenses for
19.0
interest repayments
# of interest refund claims
(Thousand)
15
Ordinary profit
59.5
15.9
(26.2)
Net income
44.1
9.1
(22.8)
10
NPLs
(NPL ratio)
107.0
91.6
5
8.74%
9.64%
Allowance on interest
89.5
78.2
repayments (provision)
3.5 yrs
3.1 yrs
0
L
L
1Q 2 3 4
1
2 3
4
1
FY3/19
FY3/20
2 3
FY3/21
4
1 2 3 4
FY3/22
1 2 3 4
FY3/23
1
2
FY3/24
*1 Figure for FY3/23 and YoY change has not been adjusted to the reorganization of SMBC Mobit in Apr. 23
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