Become a globally competitive financial services group with the highest trust  of our stakeholders by maximizing our strengths of  “Spirit of Innovation,” “Speed” and “Solution & Execution.” Basic policies Corporate slogan: LEAD THE VALUE Management plan for coming three years Strongly support Japan’s reconstruction on the financial front Business environment Macroeconomic trends Market trends Global regulatory trends  Continuing low growth rate in domes- ● tic market and yen appreciation  Continuing high growth rates in emerg- ● ing markets including Asia  Risks associated with fiscal deficits in  ● developed countries and inflation in  emerging countries  Decreasing financing needs in domes- ● tic market and accelerating global  expansion by Japanese corporations  Increasing financial needs in over- ● seas markets, especially in emerging  countries  Changing investment and borrow- ● ing practices of individuals as a result  of an aging population in domestic  market  Implementation of new capital regula- ● tions (Basel III)  Proposals for additional capital require- ● ments for “Systematically Important  Financial Institutions” SMFG  2011 5 Medium-term management plan (fiscal 2011 - 2013) Well-balanced and steady improvement of “financial soundness,” “profitability” and “growth” ● Aim for top quality in strategic business areas ● Establish a financial base and corporate infrastructure strong enough to address  the new financial regulations and competitive environment ● Achieve sufficient Core Tier I ratio as required for a global player ● Enhance risk-return profile by improving asset quality ● Aim for top-level cost efficiency among global players ● Expand overseas business by capturing growing business opportunities especially in Asia ● Financial consulting for individuals ● Solution providing for corporations ● Commercial banking in emerging markets, especially in Asia ● Broker-dealer/Investment banking ● Non-asset business such as payment & settlement services and  asset management ● Strengthen group-wide management capabilities ● Strengthen corporate infrastructure to support our global expansion ● Pursue efficient operation Key initiatives to achieve management and financial targets Core Tier I ratio: Consolidated net income RORA Consolidated overhead ratio Overhead ratio Overseas banking profit ratio approx. 8% approx. 0.8% 50-55% 45-50% approx. 30% Fiscal  2013  targets Profitability Financial soundness Growth Steady improvement Management targets Financial objectives Strategic initiatives Strategic business areas Corporate base