- The total balance of Non-performing loans (NPLs) based on Banking Act and Reconstruction Act (Sumitomo Mitsui Trust Bank, non-consolidated) as of the end of March 2026 decreased by 12.4 billion yen from the end of March 2025 to 73.1 billion yen. NPL ratio remained low at 0.2%. The percentage of Coverage ratio covered by collateral and allowance for loan losses is also adequate, at 87.6% for Doubtful loans and 76.6% for Substandard loans.
- Common Equity Tier 1 capital ratio as of the end of March 2026 decreased 0.51 percentage points from the end of March 2025 to 11.01%, mainly due to increase in credit risk assets. Total capital ratio decreased 0.65 percentage points to 13.69%. Both ratios remained well above the regulatory requirements of 7.56% and 11.06%, respectively.
Status of BIS capital adequacy ratio (Consolidated)
Basel III
