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Investor Presentaiton

Balance sheet Consolidated Composition of loans and deposits *1,2 (JPY tn) Mar. 22 vs. Mar. 21 3% Total assets 257.7 +15.1 3% 18% 15% o/w Cash and due from banks 74.8 +2.2 *1 o/w BOJ's current account balance 58.6 (1.2) 15% o/w Loans 90.8 +5.7 Domestic loans Domestic 12% deposits o/w Domestic loans *1 58.0 +1.1 2% 65% 67% *2 o/w Large corporations 19.2 (0.2) Mid-sized corporations & SMES Individuals*2 *2 19.6 +0.5 11.9 (0.2) 3 *3 o/w Securities 38.5 +2.0 o/w Other securities o/w Stocks JGBs Foreign bonds 38.1 +1.7 3.4 (0.3) Spread-based ■Prime-rate-based Mortgage, etc. Others Non-JPY B/S *2,4 Ordinary Current ■ Time Foreign currency Others (Sundry, etc.) 15.8 +1.5 12.1 (0.1) (USD bn) Total liabilities 245.5 +14.8 Deposits (incl. deposits from o/w Deposits 148.6 +6.6 *1 o/w Domestic deposits" 118.7 +6.0 Interest-earning assets 361 central banks) 235 Individuals 56.1 +2.7 Corporates o/w NCD 62.6 +3.3 Mid-long term funding (incl. corporate bonds, currency swaps, etc.) 129 13.1 +0.5 Others 125 Total net assets Loan to deposit ratio 12.2 +0.3 Foreign bonds, NCD 69 CD/CP 74 Interbank (incl. Repo) 117 56.2% Assets / Liabilities 555 *1 Non-consolidated *2 Managerial accounting basis *3 After adding back the portion of housing loans securitized in FY3/22 of JPY 124.0 bn *4 Sum of SMBC and major local subsidiaries Copyright ©2022 Sumitomo Mitsui Financial Group. All Rights Reserved. 27 27
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