Sumitomo Trust Group at a Glance (2820 KB

4
The Sumitomo Trust & Banking Co., Ltd. Annual Report 2004 — Sumitomo Trust Group at a Glance
Sumitomo Trust Group at a Glance
Aiming to become Japan's top trust bank group, the Sumitomo Trust Group is leveraging its trust and commercial
banking strengths to achieve integrated business growth.
Our Differentiating Characteristics
1. Core Trust Business
Trust business other than principal guaranteed trust accounts
for 18% of non-consolidated gross business profit.
Percentage of Net Trust Fees to Gross Business Profit
18%
2. Expanding Fee Business
We are working to boost the fee income’s share of consolidated
gross business profit to 50% or more.
Percentage of Fee Income including Trust Fees
to Gross Business Profit
35%
82%
65%
Net trust fees
Others
Fees and commissions,
and trust fees
Others
3. High-Quality Capital
The full repayment of public funds and favorable business results
further improved the quality of our capital. The result was a consolidated
BIS capital adequacy ratio of 12.45% and a BIS Tier 1 ratio
of 7.07% at the end of fiscal year 2003. Furthermore, our crossshareholdings
amounted to less than 60% of our Tier 1 capital.
High-Quality Capital
BIS capital Holding share (cost basis)
Tier 1 BIS capital ratio (right)
1,400 ( Billions of Yen ) 14.00 ( % )
1,381.2
1,200
1,251.0
1,293.6
1,213.9
1,390.6
12.45%
12.00
11.41%
10.86%
1,000 10.48%
10.00
995.1
800 8.00
823.6
789.9
600
734.1
706.2
588.7
6.00
450.8
400 4.00
200 2.00
0 0.00
2001/3 2002/3 2003/3 2004/3
4. Cross-Selling Platform
Leveraging our cross-selling platform of trust and commercial
banking, and providing total asset management and information
processing (custodial) services, we intend to achieve organic
business growth.
Information
Processing
Asset Management
Commercial
Banking Business
Trust Business

Overview of Our Business and Business Group Management System
At the beginning of fiscal year 2000, Sumitomo Trust introduced
the business group management system, consisting of five
business groups: the Consumer and Corporate Finance Group,
the Global Credit Investment Group, the Treasury and
Financial Products Group, the Fiduciary Services Group and
the Real Estate Group.
The Sumitomo Trust & Banking Co., Ltd. Annual Report 2004 — Sumitomo Trust Group at a Glance 5
In April 2002, the retail customer section and corporate customer
section in the Consumer and Corporate Finance Group
were separated, with the former becoming the independent
“Retail Financial Services Group,” and the latter merging with
the Global Credit Investment Group and forming the
“Wholesale Financial Services Group.”