Accelerating Value Creation for Shareholders

•Special Note Regarding Forward-Looking Statements •Information on this material contains forward-looking statements that are subject to various known and unknown risks, uncertainties and other factors that could cause the actual results to differ materially from those contained in or suggested by any forward-looking statement. SMFG cannot promise that its assumptions, expectations, projections, anticipated estimates or other information expressed in these forward-looking statement will turn out to be correct. Potential risks and uncertainties which may affect such projections include, but are not limited to, those which explicitly provided herein. Factors that could cause actual results to differ materially include, but are not limited to: (1) the businesses of SMFG and UFJ may not be integrated successfully or such integration may be more difficult, time-consuming or costly than expected; (2) expected combination benefits from the SMFG/UFJ transaction may not be fully realized or realized within the expected time frame; (3) revenues following the SMFG/UFJ transaction may be lower than expected; (4) operating costs, customer loss and business disruption may be greater than expected following the SMFG/UFJ transaction; (5) the regulatory approvals required for the SMFG/UFJ transaction may not be obtained on the proposed terms or on the anticipated schedule; (6) the effects of legislative and regulatory changes on the banking industry; (7) future levels of non-performing loans; (8) technological changes; (9) Japanese and global economies; (10) changes in labor, programming, equipment and capital costs or availability; (11) changes in interest rate; and (12) general business and economic conditions. SMFG does not undertake any duty to update any forward-looking statements. •When reviewing this information please note that the information was created as of the date listed, reflected views as of that date, should be considered in the context of the circumstances prevailing at that time and has not been updated since that date. SMFG assumes no obligation to update the information therein to reflect developments which may have occurred after the date of this information SMFG 20

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