Investor Presentaiton

Domestic loans *1 Balance (JPY tn) Others 60 60 50 50 40 40 30 30 20 20 10 ■Individuals ■Mid-sized corporations and SMEs Large corporations (Non-consolidated) Spread*2 (Non-consolidated) Mid-sized corporations and SMEs 0.8% Large corporations 0.6% Mar. 17 Sep. 17 Mar. 18 Sep. 18 Mar. 19 Sep. 19 Mar. 20 0 0.4% Mar. 18 Mar. 19 Mar. 20 Mar. 21 Mar. 22 *1 Managerial accounting basis *2 Monthly average loan spread of existing loans, excludes loans to the Japanese government Sep. 20 Mar. 21 Sep. 21 Mar. 22 Copyright ©2022 Sumitomo Mitsui Financial Group. All Rights Reserved. 9

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