SMFG Consolidated Balance Sheets (Continued) See accompanying notes to consolidated financial statements. SMFG  2011 71 Millions of yen Millions of  U.S. dollars (Note 1) March 31 2011 2010 2011 Liabilities and net assets Liabilities Deposits (Notes 9, 10 and 30) .............................................................................. ¥ 90,365,263 ¥ 85,644,215 $1,086,774 Call money and bills sold (Notes 9 and 30) .......................................................... 2,629,407  2,119,557 31,622  Payables under repurchase agreements (Notes 9 and 30) .................................. 726,365  1,120,860 8,736  Payables under securities lending transactions (Notes 9 and 30) ....................... 5,713,233  4,315,774 68,710  Commercial paper (Note 30) ................................................................................ 337,120  310,787 4,054  Trading liabilities (Notes 9, 11 and 30).................................................................. 5,248,302  5,066,727 63,119 Borrowed money (Notes 9, 12 and 30)................................................................. 10,769,668  5,470,578 129,521  Foreign exchanges (Note 30) ............................................................................... 256,160  192,299 3,081  Short-term bonds (Notes 13 and 30).................................................................... 1,183,198  1,212,178 14,230  Bonds (Notes 13 and 30) ...................................................................................... 3,866,095  3,422,672 46,495  Due to trust account (Note 30) ............................................................................. 216,171  159,554 2,600  Other liabilities (Notes 9, 14, 29, 30 and 32) ........................................................ 4,188,259  3,193,146 50,370  Reserve for employee bonuses ............................................................................ 45,176  43,443 543  Reserve for executive bonuses ............................................................................ 2,496  2,333 30  Reserve for employee retirement benefits (Note 28) ............................................ 44,604  41,691 536  Reserve for executive retirement benefits ............................................................ 2,728  8,216 33  Reserve for point service program ....................................................................... 18,927 228 Reserve for reimbursement of deposits ............................................................... 9,923  11,734 119  Reserve for loss on interest repayment ................................................................ 59,812 719 Reserve under the special laws ........................................................................... 392  393 5  Deferred tax liabilities (Note 25) ........................................................................... 20,517  26,520 247  Deferred tax liabilities for land revaluation (Note 15) ............................................ 45,698  46,966 550  Acceptances and guarantees (Note 9) ................................................................. 4,921,500  3,749,056 59,188  Total liabilities  ...................................................................................................... 130,671,024  116,158,708 1,571,510  Net assets  (Note 26) Capital stock (Note 16) ........................................................................................ 2,337,895  2,337,895 28,117  Capital surplus ..................................................................................................... 978,851  978,897 11,772  Retained earnings ................................................................................................ 1,776,433  1,451,945 21,364  Treasury stock ..................................................................................................... (171,760) (124,061) (2,066) Total stockholders’ equity  ................................................................................... 4,921,419  4,644,677 59,187  Net unrealized gains on other securities (Notes 23, 25 and 31) ........................... 272,306  412,708 3,275  Net deferred losses on hedges (Notes 23, 25 and 32) ......................................... (9,701) (39,367) (117) Land revaluation excess (Note 15) ....................................................................... 33,357  34,955 401  Foreign currency translation adjustments (Note 23) ............................................ (122,889) (101,650) (1,478) Total accumulated other comprehensive income  .............................................. 173,073  306,646 2,081  Stock acquisition rights (Note 33) ........................................................................ 262  81 3  Minority interests ................................................................................................. 2,037,318  2,049,400 24,502  Total net assets  .................................................................................................... 7,132,073  7,000,805 85,773  Total liabilities and net assets  ............................................................................. ¥137,803,098 ¥123,159,513 $1,657,283