Sumitomo Mitsui Financial Group 2021 Financial Overview

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 Oct. 31, 2021) SMFG BMO BNS RBC TD ANZ CBA NAB Westpac Aa1 Aa2 Aa3 A1 A2 11 A3 2 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 © 2021 Sumitomo Mitsui Financial Group. All Rights Reserved. 39

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