- Non-performing loans (NPLs) based on Banking Act and Reconstruction Act (Sumitomo Mitsui Trust Bank, non-consolidated) as of the end of March 2025 decreased by 12.2 billion yen from the end of March 2024 to 85.5 billion yen. NPL ratio remained low at 0.3%. The percentage of Coverage ratio covered by collateral and allowance for loan losses is also adequate, at 84.0% for Doubtful loans and 44.3% for Substandard loans.
- Common Equity Tier 1 capital ratio as of the end of March 2025 increased by 0.17 percentage points from the end of March 2024 to 11.52%, mainly due to decrease in credit risk assets. Total capital ratio increased by 0.7 percentage points to 14.34%. Both ratios remained well above the regulatory requirements of 7.56% and 11.06%, respectively.
Status of BIS capital adequacy ratio (Consolidated)
Basel III
