Investor Presentaiton

Orderly resolution regime in Japan An orderly resolution is expected to be commenced subsequent to PoNV after SMFG absorbs losses incurred by its material subsidiaries. 1 All Basel Ill eligible AT1 and Tier 2 instruments will be fully written down upon PoNV pursuant to their terms. 2 Senior notes may incur losses depending on recovery value through court-administered insolvency proceedings. Business as usual Holding Company ("HoldCo") Systemically important assets and liabilities, incl. common stock of OpCo Other assets and liabilities, incl. Hold Co senior debt instruments, etc Illustrative orderly resolution process Reaching PONV suspension Transfer of payment or having negative net worth Bridge financial institution ("Good Bank") OpCo common stock, etc. Common stock Орсо Deposits, etc Common stock/ intercompany loan Operating Bank ("OpCo") Deposits, etc 1 AT1 and Tier2 Fully written down before insolvency proceedings Hold Co ("Bad Bank") Hold Co senior debt, etc. Source: Japanese FSA 2 TLAC Senior Notes May incur losses depending on Insolvency proceedings recovery value Copyright ©2022 Sumitomo Mitsui Financial Group. All Rights Reserved. 43

View entire presentation