Investor Presentaiton

Credit ratings of Aussie and Canadian banks OpCo senior unsecured notes / Excluded liabilities Notch Difference (between TLAC senior and Tier 2 notes) Moody's TLAC eligible senior unsecured notes Basel III Tier 2 notes (As of Apr. 30, 2022) SMFG BMO BNS RBC TD ANZ CBA NAB Westpac Aa1 Aa2 Aa3 A1 11 A2 2 A3 2 2 Baa1 Baa2 Baa3 S&P SMFG BMO BNS RBC TD ANZ CBA NAB Westpac AA- A+ A A- ++ ++ BBB+ BBB BBB- BB+ Copyright ©2022 Sumitomo Mitsui Financial Group. All Rights Reserved. 40 40

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