Value Creation Process

Value Creation Process

It is our belief that creating social value and expanding economic value will lead to the enhancement of our management capital, which is the source of our corporate activities. By combining our traditional strengths in finance with our newly accumulated businesses and digital transformation (DX) while working to resolve social issues, we will create new business opportunities and generate new economic value, which will contribute to the sustainable development of society.

SMFL's Value Creation Process Click to enlarge

Accumulated Strengths of the SMFL Group

The SMFL Group has achieved steady growth by leveraging its strengths, including its connections with customers, partners, local communities, employees, and financial base. We are currently pursuing synergies among these strengths in a bid to realize our 2030 targets while working to secure sustainable growth and enhance corporate value in collaboration with our two shareholders SMFG and Sumitomo Corporation.

Cultivated foundations and expertiseConnections with customers, partners, local communities, and shareholders

Strengths

  • Strong relationships of trust with customers built over more than 60 years, and close ties with partners
  • The extensive customer base and global networks of both shareholders, SMFG and Sumitomo Corporation
  • Solution capabilities through "Finance × Business × DX" that combine existing and new strengths

Enhancement measures for 2030

  • Pursuing the strengths of "a business company with financial capabilities" and taking on the challenge of solving social issues
  • Developing DX talent through the use of digital technologies in unison with the frontline

Human ResourcesProfessional human resources, specialized human resources, digitally competent human resources, and the organizations and systems that support them

Strengths

  • Organizations and a corporate culture in which diverse human resources thrive
  • Professional human resources as the best business partner for our customers
  • Corporate culture that encourages employee-led development

Enhancement measures for 2030

  • Proactive recruitment and development of specialized human resources across a broad range of units
  • Supporting the career development of specialized and global human resources through diversified assignments
  • Having espoused the concept of "Encourage employee development," focus on cultivating human resources, creating an organization and culture of taking on challenges

SustainabilitySolutions that contribute to the realization of a sustainable society

Strengths

  • Promoting the generation of CO2-free power from renewable energy sources, including solar, wind, and hydro power
  • Proactive promotion of sustainability businesses
  • Initiatives to resolve social issues outside of businesses

Enhancement measures for 2030

  • Strengthen solutions that contribute to carbon neutrality
  • Engage in the full-scale roll out of businesses for realizing a circular economy
  • Expand social contribution activities by strengthening collaboration with partners

FinancialSolid funding sources and high credit ratings

Strengths

  • Solid capital relationship with SMFG and Sumitomo Corporation, our two shareholders, and solid funding sources
  • Ongoing, stable business relationships with leading financial institutions
  • A system enabling flexible access to financial markets (corporate bond market, CP market, etc.)
  • High credit rating

Enhancement measures for 2030

  • Enhance information disclosure and strengthen IR activities in a bid to expand the investor class
  • Further enhance financial capital by diversifying funding sources