SMBC Group's Financial and Credit Portfolio

Credit ratings of Aussie and Canadian banks OpCo senior unsecured bonds/ Excluded liabilities Additional Tier 1 (AT1) securities Moody's TLAC eligible senior unsecured bonds Notch Difference (between TLAC senior and Tier 2 bonds) Basel III Tier 2 bonds (As of the end of Oct. 23) SMFG BMO BNS RBC TD ANZ CBA NAB Westpac Aa1 Aa2 Aa3 A1 11 A2 2 A3 2 2 Baa1 Baa2 Baa3 S&P SMFG BMO BNS RBC TD ANZ CBA NAB Westpac AA- A+ A A- BBB+ +1 BBB BBB- BB+ Copyright © 2023 Sumitomo Mitsui Financial Group. All Rights Reserved. 36

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