Sumitomo Mitsui Financial Group 2021 Financial Overview

BTPN Financial results*1 Customer Jan.-Sep. Retail Wholesale 2018 2019 2020 (JPY bn) 2021 sinaya Gross banking profit 77.5 99.6 91.1 76.2 btpn High-net-worth Large corporations SMBC Operating expenses 44.7 56.3 50.9 39.9 Mid-sized corporations Middle class Jenius Net profits 14.0 20.3 12.9 16.0 SMEs ROE Loans 11.6% 9.9% 6.1% 8.9% mita btpn purna btpn 517.8 1,119.9 1,008.0 1,073.7 btpn' owners WOW! Deposits Total assets 538.4 686.8 745.8 805.2 770.2 1,434.9 1,355.4 1,427.6 Digital Banking Mass market Micro business mitra usana btpn' Syariah btpn SMBC's Global Support Net interest margin*2 NPL ratio *2 Loan breakdown*3 3.8 (%) (%) 3.3 3.1 6.6 6.9 5.2 4.8 4.7 1.5 2.4 BNI Mandiri BCA BTPN BRI BTPN BCA Mandiri BRI BNI *1 TTM as of Dec. 18: IDR 1 = 0.0076, Dec. 19: IDR 1 = 0.0079, Dec. 20: IDR 1 = 0.0074, Sep. 21: IDR 1 = 0.0078 *2 Based on each company's disclosure (Sep. 21 results) *3 As of Sep. 21 BTPN Syariah 7% Retail Banking 22% Business Banking 10% Corporate Banking 61% Copyright ©2021 Sumitomo Mitsui Financial Group. All Rights Reserved. 38

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