Management StrategyJAPANESE

Basic Strategy

In order to achieve the vision, “The Trust Bank”, Sumitomo Mitsui Trust Group will leverage its strengths towards the development of a business model that is clearly different from that of megabank groups.

Provide comprehensive solutions, with superior products and services across business fields

Sumitomo Mitsui Trust Group will leverage its high level of expertise and a wide range of capabilities cultivated from both the CMTH group and the STB group over the years, to provide comprehensive solutions with superior products and services across business fields that correspond to clients' needs.

Concentrate resources on prioritized strategic areas and focus on pursuit of synergies

Sumitomo Mitsui Trust Group will aim to improve profitability and realize stable and sustainable growth by concentrating management resources on strategic areas where Sumitomo Mitsui Trust Group has competitiveness and expects stronger growth and business synergies across different business fields.

Financial soundness and capital efficiency

Sumitomo Mitsui Trust Group will aim to secure capital adequacy in terms of quality and quantity, and maintain a sound financial position. At the same time, Sumitomo Mitsui Trust Group will aim to enhance capital efficiency through the reinforcement of its fee businesses by leveraging its trust functions.

Sumitomo Mitsui Trust Group Business Fields

Growth Strategies

(1)Reinforcement of fee businesses fully utilizing the high-level expertise and wide range of capabilities of Sumitomo Mitsui Trust Group

Investment Trust and Insurance Sales

• Sales of investment trust and insurance

• Fund wraps

• Reinforce sales structure

• Leverage the product development capabilities and asset management consulting services

Asset Management and Administration Business

• Pension and overseas asset trust businesses

• Investment trust management and administration

• Strengthen asset management marketing to retail and overseas

• Strengthen ability to manage foreign stock investment, especially in Asia

Real Estate Business

• Real-estate brokerage (for corporate and individual clients)

• Manage real estate investments and securitization of real estate

• Expand data volume and enhance data matching through integration of client bases

• Enhance real estate investment related services for both domestic and overseas investors.

(2) Enhance basic profitability in the banking business using complemented and expanded client base through the integration

Banking Business
(Wholesale & individual loans etc.)

• Loans to individuals overseas credit for Japanese corporation

• Syndicated loans and asset securitization

• Financial products sales

• Provide comprehensive solutions derived from integration of various functions

• Build a further balanced loan portfolio by expanding loans to individuals

Pursue additional growth potential in fee businesses and
raise basic profitability in the banking business

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