SMBC Income Analysis (Nonconsolidated) SMFG  2011 162 Millions of yen 2011 2010 Year ended March 31 Volume-related increase  (decrease) Rate-related increase (decrease) Net increase (decrease) Volume-related increase  (decrease) Rate-related increase (decrease) Net increase (decrease) Interest income ............................................... ¥39,068 ¥(116,275) ¥(77,207) ¥69,782 ¥(190,653) ¥(120,871) Loans and bills discounted ......................... (39,132) (43,680) (82,812) 22,767 (118,112) (95,344) Securities .................................................... 37,527 (29,754) 7,773 35,111 (50,678) (15,567) Call loans .................................................... 16 (76) (59) (303) (166) (469) Receivables under resale agreements ........ (0) (0) (0) (4) (3) (8) Receivables under securities borrowing transactions ............................. (2,679) 838 (1,840) 2,077 (2,506) (429) Bills bought ................................................. (339) 296 (42) (368) 560 191 Deposits with banks ................................... (104) (348) (452) 528 (20) 507 Interest expenses ........................................... ¥ 2,216 ¥ (37,073) ¥(34,857) ¥ 8,512 ¥(109,038) ¥(100,526) Deposits...................................................... 1,516 (28,377) (26,861) 2,694 (49,086) (46,392) Negotiable certificates of deposit ............... 87 (5,736) (5,649) 8,442 (13,713) (5,271) Call money .................................................. (341) (350) (692) (3,303) (5,687) (8,991) Payables under repurchase agreements .... (350) (25) (376) (187) (1,390) (1,578) Payables under securities lending transactions ................................. 105 (577) (471) (2,744) (4,205) (6,949) Borrowed money ........................................ (833) (1,049) (1,882) 2,087 (7,739) (5,652) Short-term bonds ....................................... (146) (90) (237) 180 (355) (175) Bonds ......................................................... 4,037 (333) 3,703 3,596 4,399 7,995 Domestic Operations Millions of yen 2011 2010 Year ended March 31 Volume-related  increase (decrease) Rate-related increase (decrease) Net increase (decrease) Volume-related  increase (decrease) Rate-related increase (decrease) Net increase (decrease) Interest income ............................................... ¥42,484 ¥(163,361) ¥(120,877) ¥63,817 ¥(441,960) ¥(378,142) Loans and bills discounted ......................... (49,964) (55,747) (105,711) 6,371 (280,784) (274,412) Securities .................................................... 49,450 (38,481) 10,969 31,853 (96,434) (64,580) Call loans .................................................... 281 195 476 (405) (4,168) (4,573) Receivables under resale agreements ........ 6 557 563 (568) (579) (1,148)  Receivables under securities borrowing transactions ............................. (2,663) 864 (1,798) 2,078 (2,505) (427) Bills bought ................................................. (339) 296 (42) (368) 560 191 Deposits with banks ................................... (260) 122 (138) (1,368) (22,808) (24,176) Interest expenses ........................................... ¥ 3,923 ¥ (46,242) ¥ (42,319) ¥11,683 ¥(417,819) ¥(406,136) Deposits...................................................... 1,157 (34,484) (33,327) 2,940 (164,591) (161,651) Negotiable certificates of deposit ............... 805 (3,261) (2,456) 16,443 (28,837) (12,393) Call money .................................................. (1,198) (206) (1,404) (6,077) (12,592) (18,669) Payables under repurchase agreements .... (144) 975 831 (1,420) (4,662) (6,083)  Payables under securities lending transactions ................................. 1,833 (689) 1,144 (16,479) (37,302) (53,781) Borrowed money ........................................ (10,041) (7,682) (17,723) (5,982) (20,519) (26,501) Short-term bonds ....................................... (146) (90) (237) 180 (355) (175) Bonds ......................................................... 1,294 (2,607) (1,313) (498) (3,146) (3,645) Total of Domestic and International Operations Millions of yen 2011 2010 Year ended March 31 Volume-related increase  (decrease) Rate-related increase (decrease) Net increase (decrease) Volume-related  increase (decrease) Rate-related increase (decrease) Net increase (decrease) Interest income ............................................... ¥12,086 ¥(60,071) ¥(47,985) ¥(61,205) ¥(198,767) ¥(259,972) Loans and bills discounted ......................... (11,183) (11,715) (22,899) (32,439) (146,629) (179,068) Securities .................................................... 11,936 (8,739) 3,196 (13,658) (35,355) (49,013) Call loans .................................................... 268 268 536 206 (4,310) (4,104) Receivables under resale agreements ........ 7 556 564 (560) (578) (1,139)  Receivables under securities borrowing transactions ............................. 42 (0) 42 2 — 2 Deposits with banks ................................... (178) 492 314 (2,246) (22,437) (24,683) Interest expenses ........................................... ¥ 4,982 ¥(16,760) ¥(11,777) ¥(57,830) ¥(250,481) ¥(308,311) Deposits...................................................... (3,139) (3,326) (6,465) (4,613) (110,644) (115,258) Negotiable certificates of deposit ............... 1,746 1,446 3,192 9,379 (16,502) (7,122) Call money .................................................. (1,225) 513 (712) (764) (8,914) (9,678) Payables under repurchase agreements .... 419 787 1,207 (1,368) (3,136) (4,504) Payables under securities lending transactions ................................. 2,037 (421) 1,615 (12,231) (34,600) (46,831) Borrowed money ........................................ (11,456) (4,384) (15,841) (25,958) 5,109 (20,849) Bonds ......................................................... (5,144) 127 (5,017) (7,658) (3,982) (11,641) International Operations Note: Volume/rate variance is prorated according to changes in volume and rate. Breakdown of Interest Income and Interest Expenses