Investor Presentaiton

Application of Basel III (capital ratio)*1 Mar.24 Mar.25 Mar.26 Mar.27 Mar.28 Mar.29 Revised standardized approach and internal ratings- based framework for credit Revised credit valuation adjustment (CVA) framework Implement RWA Revised operational risk framework Output floor 50% 55% 60% 65% 70% 72.5% Capital requirements Total capital ratio Implementation of output floor A: RWA based on internal ratings-based approach (IRB) B: RWA based on standardized approach (SA) Tier1 ratio A > B x capital floor RWA = A CET1 ratio Capital conservation buffer*2 Common Equity Tier1 Additional (CET1) Tier 2 B x capital floor Tier 1 A: IRB B: SA 2.5% 4.5% 1.5% 2.0% 10.5% A≤ Bx capital floor RWA =Bx capital floor G-SIFIs surcharge (CET1 capital) Bucket 1 Bucket 2 Bucket 3 1.0% 1.5% 2.0% Bucket 4 2.5% Bucket 5 3.5% A: IRB *1 Japanese FSA announced that it will postpone the implementation of unimplemented Basel III standards until Mar. 24 *2 Countercyclical buffer (CCyB) omitted B x capital floor B: SA Copyright ©2022 Sumitomo Mitsui Financial Group. All Rights Reserved. 44

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