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Investor Presentaiton

TLAC eligible senior unsecured notes Basel III Tier 2 notes (As of Apr. 30, 2022) Credit ratings of selected G-SIBS OpCo senior unsecured notes / Excluded liabilities Notch Difference (between OpCo senior and TLAC senior notes) Moody's SMFG Mizuho MUFG BAC Citi JPM Barclays HSBC DB*1 BNP*1 CS UBS*2 Aa2 Aa3 A1 0 0 3 3 3 3 A2 A3 2 4 3 4 3 Baa1 Baa2 Baa3 Ba1 Ba2 S&P SMFG Mizuho MUFG BAC Citi JPM Barclays HSBC DB*1 BNP*1 CS UBS*2 AA- A+ A A- 2 2 2 3 3 2 2 3 BBB+ 3 BBB BBB- BB+ *1 For DB and BNP, OpCo senior notes and TLAC eligible senior notes mean preferred senior notes and non- preferred senior notes, respectively *2 Backed senior unsecured rating of UBS Group Funding (Switzerland) guaranteed by UBS Group AG for TLAC eligible senior notes Copyright ©2022 Sumitomo Mitsui Financial Group. All Rights Reserved. 20 20
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