Investor Presentaiton
Consolidated net business profit
Strong profits in WS and GB offset impact from Russia and the profit decline in GM.
COVID-19 im pact remains in consumer finance, but the decrease in card loan balance is bottoming out.
Breakdown of YoY
(JPY bn)
GM
(72.3)
Impact from
Russia
(47)
COVID-19 impact
*2
(JPY bn)
Credit card
(JPY bn)
30
SMB CAC
200
commissions
THE
150
100
Others*1
RT WS.GB
(excl. impact from Russia)
+105.6
FX
+38
1,084.0
FY3/21
*1 Incl. recovery from COVID-19
*2 After considering ownership ratio
*3 Excluding the impairment of aircraft leased to Russian airlines
Excl.
Russia
10
(10)
(30)
19 20
21 22E
19 20 21 22E
(FY)
(FY)
(JPY bn)
(Ref.) Card loan balance
1,152.9
SMBCCF
(JPY tn)
400
1.8
300
200
100
0
19
20
FY3/22
20
21
22E
(FY)
1.7
1.6
0
19 20 1Q 2Q 3Q 4Q
21
(FY)
Copyright ©2022 Sumitomo Mitsui Financial Group.
All Rights Reserved.
5View entire presentation