Investor Presentaiton

SMFG / SMBC overview SMFG (Consolidated) Global banking group originated in Japan SMBC (Non-consolidated) Core operating entity within SMFG franchise (FY 3/22) Market Capitalization (TSE:8316, NYSE:SMFG) B/S Assets Loans Deposits*2 Loans/Deposits Gross Profit P/L Net Income CET1 ratio (As of May. 25, 2022) JPY 5.4 tn / USD 42.3 bn unlisted (wholly-owned by SMFG) JPY 228 tn/USD 1,862 bn JPY 258 tn / USD 2,105 bn JPY 91 tn USD 742 bn JPY 149 tn / USD 1,214 bn 56.2% JPY 2,946 bn / USD 24.1 bn Consolidated gross profit JPY 707 bn / USD 5.8 bn Profit attributable to owners of parent 14.45% JPY 88 tn USD 716 bn JPY 141 tn / USD 1,152 bn 56.9% JPY 1,579 bn / USD 12.9 bn Gross banking profit JPY 546 bn / USD 4.5 bn Net income NPL ratio 1.08% Ratings (Moody's / S&P) A1/A- Business Franchise (As of Apr 30, 2022) 0.77% A1/A Holds top-tier companies in banking, leasing, securities services, consumer finance, and other businesses • 153 overseas offices*3 *1 Converted into USD at March 2022 fiscal year-end exchange rate Market capitalization converted to USD at the May. 25, 2022 exchange rate *2 Excludes negotiable certificates of deposits *3 Excludes offices planned to be closed *1 (As of Apr 30, 2022) ● 454 domestic branches 27 million retail accounts (As of Mar. 31, 2022) (As of Mar. 31, 2022) Copyright ©2022 Sumitomo Mitsui Financial Group. All Rights Reserved. 22

View entire presentation