SMBC Group's Financial and Credit Portfolio

(YoY, %) 5.0 Energy of Goods Others of Goods 4.0 General Service Food products of Goods Public Service All items, less fresh food SMBC forecast (Ref.) Outlook for Japan's CPI | CPI Forecast (YoY)*1 3.0 2.0 1.0 0.0 N N NY W -1.0 T UN W TNN TNT AWT W 20 20 W IN W NII 21 AN 22 22 *1 Statistics Bureau of Japan (SBJ), SMBC. Including SMBC Treasury Unit's own estimate as of November 1, 2023 -2.0 19 23 23 ☐ L 24 24 Copyright © 2023 Sumitomo Mitsui Financial Group. All Rights Reserved. 29

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