Investor Presentaiton

Base expenses and headcount Base expenses *1 (JPY bn) Key cost control initiatives Resource allocation (e.g. overseas business, strategic investment, system expenses) COVID-19 Impact 1 ! 1,530 1,510 COVID-19 Rebound 1,520 Headcount 106K Previous plan (3.3)K Domestic (4.9)K (7)K Domestic Current plan (8)K 103K Fullerton +15 K 101K 98 K *2 Mar.17 Mar.20 Mar.21 Mar.22 Mar.23E IT investment (JPY bn) 440 CEO budget JPY 130 bn Additional + JPY 30 bn Digitalize payment services Enhance system operations FY3/18 FY3/21 FY3/20 FY3/21 FY3/22 -FY3/20 -FY3/23 *1 G&A expenses excluding cost related to investment for future grow th, revenue-linked variable cost and others. Exchanged at USD1=JPY 105 (projected rate in medium-term management plan) Copyright ©2022 Sumitomo Mitsui Financial Group. All Rights Reserved. 48 *2 Added the impact of group reorganization retrospectively

View entire presentation