SMBC Group's Financial and Credit Portfolio
Realize growth through Multi-Franchise Strategy
Develop as a future growth driver by focusing on PMI of each investee, on top of capturing macro growth.
Bank BTPN
OTO/SOF
Priority Areas in PMI
Ownership ratio
92%
35%
=
SMICC
75%
(%)
10
Economy is recovering
GDP growth forecast*1
Strengthen
Retail & SME business
Promote digitalization and
cross-selling
Bolster the missing parts
Expand business by
capturing economic growth
Diversify funding sources
Expand sales financing with
SMBC clients referrals
VPBank
15%
RCBC 20%
Expected to continue
to grow around or above 5%
19
20
(10)
20
21
22
23
India
Indonesia
24
Vietnam
Philippines
25
(CY)
Bottom-line profit contribution
(JPY bn)
FE Credit 49%
Support recovery
of FE Credit with VPBank
Economy recover from '24
Focus on rebuilding
FE Credit with VPBank
Promote various type of
business collaboration
Establish Alliance
Committee
Dispatch directors and
advisory board members
Amortization
of goodwill
Before 28
*1 IMF "World Economic Outlook Database"
After (1)
FY3/23 1H FY3/24 FY3/24
FY3/26
FY3/29
target
target
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