Sumitomo Mitsui Financial Group 2021 Financial Overview

Impact of COVID-19 (2) Credit cost Full-year forecast was revised. Credit cost in 1H sharply decreased due to the reversals, but there are some downgrade risks in specific industries in 2H. (JPY bn) 300 150 Group companies SMBC Group companies Breakdown of credit costs SMBC (JPY bn) Build Reversal 1H 300 242.7 200 100 49.6 0 (100) FY3/20 FY3/21 FY3/22 26.7 SMBC Group companies Build (JPY bn) 51.6 Group companies 40 SMBC 200 Initial New forecast forecast (24.9) 121.0 117.8 Reversal (65) 100 FY3/22 1H FY3/22 0 FY3/20 FY3/21 FY3/22 Downgrade risks in specific industries Restaurants, Leisure and Hotel, Airline, Automobile Maintain steady level Copyright © 2021 Sumitomo Mitsui Financial Group. All Rights Reserved. 6

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