SMBC Group's Financial and Credit Portfolio

(Ref.) Capital ratio / leverage ratio (Transitional basis) 35% 30% 25% 20% CET1 AT1 Tier 2 *1 Contribution of DIFR Other TLAC Eligible Debt Requirement 16.22% 29.90% 21.66% Leverage ratio TLAC leverage ratio Requirement *2 15% 13.94% 15.20% 1.26% 26.40% 1.02% 1.26% 11.66% 9.66% 10% Require- ment 8.16% 9.70% 6.75% 13.94% 13.94% 13.94% 5% Require- ment Require- ment Require- ment 3.50% 4.93% 3.50% Require- Require- ment ment 0% CET1 ratio Tier 1 ratio Total capital ratio TLAC ratio Leverage ratio (including leverage buffer) TLAC leverage ratio Buffer to requirement 578bps 554bps 456bps 824bps 143bps 295bps Buffer to requirement (JPY) 4.74tn 4.55tn 3.74tn 6.76tn 3.63tn 7.48tn *1 Contribution of Deposit Insurance Fund Reserves: Japanese Deposit Insurance Fund Reserves fulfill the requirements for ex- ante commitments to recapitalize a G-SIB in resolution set out in the FSB's TLAC termsheet (Can include 3.5% of RWAs, in external TLAC ratio) respectively from Apr. 2024 *2 Leverage ratio minimum requirement and TLAC leverage ratio minimum requirement expected to increase to 3.70% and 7.10% Copyright © 2023 Sumitomo Mitsui Financial Group. 27 All Rights Reserved.

View entire presentation