Sumitomo Mitsui Trust Group (8309) investor relations material

Strategic direction

• FY2035 net business profit before credit costs target: ¥1tn; FY2026–FY2028 is positioned as a critical period to establish a sustainable growth trajectory.

• Three focus areas: Financial Well-Being, Industrial Finance for the Reiwa era, and Operational AI, supporting the aspiration to address social challenges through business.

• The strategy centers on trust-based customized solutions, with AI used to replicate experienced professionals’ tacit knowledge and extend personalized services to more clients.

Trust value and operational AI

• In an AI era of broader knowledge access and persistent uncertainty, differentiation is expected to rely on deep client understanding, fiduciary relationships, and solutions tailored to latent needs.

• Operational AI will connect market-wide insights, company-specific understanding, and frontline knowledge to identify management issues and provide company-specific solutions across businesses.

• AI models developed in stock transfer agency are intended to scale value-added solutions across the business; people retain responsibility for final judgment, recommendations, and execution.

Financial Well-Being

• DOCOMO SMTB Net Bank targets 15mn accounts by March 2029, versus ~9mn in March 2026, building daily financial touchpoints and connecting customers to services across life stages.

• Fund Wrap offered 17 portfolio options and had ¥3.6tn AUM in March 2026, with a ¥5tn target for March 2029; the service applies pension investment expertise and long-term asset management.