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Investor Presentaiton

Performance of SMBC and group companies SMBC Other major group companies (left results of FY3/22/right: YoY) SMBCCF VS. FY3/22 YOY (JPY bn) Target SMCC SMBC Nikko 1 Gross banking profit 1,579.2 +97.5 (JPY bn) Gross profit 406.0 +20.4 387.1 (42.6) 254.9 (4.8) 2 o/w Net interest income 1,091.1 +154.7 Expenses 339.9 +22.6 318.2 +4.7 116.4 +5.8 o/w Gains (losses) on cancellation 3 41.5 +7.7 of investment trusts 4 Domestic 638.8 +55.3 Net business profit 65.9 (2.8) 68.9 Net income 19.8 (16.0) (47.3) 51.4 (40.7) 138.5 (10.6) *2 58.8 +4.7 5 Overseas 452.3 +99.4 (Equity method affiliate) 6 o/w Net fees and commissions 398.5 +67.8 50.1% 50% *3 7 Domestic 198.2 +22.0 SMBC Trust SMDAM SMFL 8 Overseas 200.3 +45.7 Gross profit 48.5 +8.3 39.2 +5.1 233.4 +56.7 o/w Net trading income+ 9 87.4 (125.1) Net other operating income Expenses 44.1 +0.2 30.2 (2.1) 103.2 +17.5 10 o/w Gains (lossses) on bonds (42.4) (122.3) 11 Expenses 857.2 +40.7 Net business profit 4.4 +8.1 9.1 +7.3 138.2 +43.0 12 Banking profit 721.9 +56.8 +46.9 Net income (15.9) (7.4) 5.4 +33.4 35.4 +1.7 13 Total credit cost 161.1 (81.6) +81.1 14 Gains (losses) on stocks 157.3 +93.7 15 Extraordinary gains (losses) 27.9 +77.8 16 Net income 546.3 +208.3 +86.3 *1 Including profit from overseas equity-method affiliates of SMBC Nikko (consolidated subsidiaries of SMFG) *2 Deduct internal transactions *3 Managerial accounting basis Copyright ©2022 Sumitomo Mitsui Financial Group. All Rights Reserved. 26 26
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