SMBC Group's Financial and Credit Portfolio slide image

SMBC Group's Financial and Credit Portfolio

This document contains "forward-looking statements" (as defined in the U.S. Private Securities Litigation Reform Act of 1995), regarding the intent, belief or current expectations of us and our managements with respect to our future financial condition and results of operations. In many cases but not all, these statements contain words such as "anticipate," "believe," "estimate,” “expect,” “intend,” “may,” "plan," "probability," "risk,” “project,” “should,” “seek," "target," "will" and similar expressions. Such forward-looking statements are not guarantees of future performance and involve risks and uncertainties, and actual results may differ from those expressed in or implied by such forward-looking statements contained or deemed to be contained herein. The risks and uncertainties which may affect future performance include: deterioration of Japanese and global economic conditions and financial markets; declines in the value of our securities portfolio; incurrence of significant credit-related costs; our ability to successfully implement our business strategy through our subsidiaries, affiliates and alliance partners; and exposure to new risks as we expand the scope of our business. Given these and other risks and uncertainties, you should not place undue reliance on forward-looking statements, which speak only as of the date of this document. We undertake no obligation to update or revise any forward- looking statements. Please refer to our most recent disclosure documents such as our annual report on Form 20-F and other documents submitted to the U.S. Securities and Exchange Commission, as well as our earnings press releases, for a more detailed description of the risks and uncertainties that may affect our financial conditions and our operating results, and investors' decisions. Exchange rates (TTM) The end of Sep. 22 The end of Mar. 23 | The end of Sep. 23 USD JPY 144.81 JPY 133.54 JPY 149.58 EUR JPY 142.32 JPY 145.75 JPY 157.99 SMFG Definitions Sumitomo Mitsui Financial Group, Inc. Sumitomo Mitsui Banking Corporation SMBC Trust Bank SMBC SMBC Trust SMFL SMBC Nikko SMCC SMBCCF SMDAM SMBCAC SMICC Major local subsidiaries Consolidated Non-consolidated Expenses (non-consolidated) Net business profit Retail Business Unit (RT) Sumitomo Mitsui Finance and Leasing SMBC Nikko Securities Sumitomo Mitsui Card Company SMBC Consumer Finance Sumitomo Mitsui DS Asset Management SMBC Aviation Capital SMFG India Credit Company (Former Fullerton India) SMBC Bank International, SMBC Bank EU, SMBC (China) SMFG consolidated SMBC non-consolidated Excluding non-recurring losses Before provision for general reserve for possible loan losses Domestic retail business Wholesale Business Unit (WS) Domestic wholesale business Global Business Unit (GB) Global Markets Business Unit (GM) International business Market/Treasury related businesses Copyright © 2023 Sumitomo Mitsui Financial Group. All Rights Reserved. 2
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