SMBC Loans (Nonconsolidated) Consumer Loans Outstanding Breakdown of Reserve for Possible Loan Losses * Transfer from reserves by reversal or origination method Note: Figures in brackets [ ] indicate foreign exchange translation adjustments. * 1 Transfer from reserves by reversal or origination method * 2 “Others” under “Decrease during the fiscal year” include the amount transferred to Sumitomo Mitsui Banking Corporation (China) Limited in connection with a busi- ness transfer. The transferred amount comprises ¥1,931 million for the general reserve for possible loan losses and ¥5,008 million for the specific reserve for pos- sible loan losses for nonresident loans. Note: Figures in brackets [ ] indicate foreign exchange translation adjustments. Write-Off of Loans Specific Overseas Loans SMFG  2011 168 Millions of yen March 31 2011 2010 Iceland ............................................................................................................. ¥1,233 ¥1,112 Ukraine ............................................................................................................ 1,010 160 Pakistan ........................................................................................................... 68 61 Argentina ......................................................................................................... 6 4 Total ................................................................................................................. ¥2,318 ¥1,339 Ratio of the total amounts to total assets ....................................................... 0.00% 0.00% Number of countries ........................................................................................ 4 4 Millions of yen Year ended March 31 2011 2010 Write-off of loans ............................................................................................. ¥70,775 ¥102,663 Note: Write-off of loans include amount of direct reduction. Millions of yen Balance at beginning of the fiscal year Increase during the fiscal year Decrease during the fiscal year Balance at end of the fiscal year Year ended March 31, 2010 Objectives Others General reserve for possible loan losses.................. ¥504,379 ¥497,582 ¥ — ¥506,310* 1, 2 ¥495,650 [2,270] Specific reserve for possible loan losses ................. 284,799 267,351 109,562 180,245* 1, 2 262,343 [18] For nonresident loans ........................................... 71,028 35,393 35,048 40,988* 1, 2 30,385 [10] Loan loss reserve for specific overseas countries ... 417 184 — 417* 1 184 Total .......................................................................... ¥789,596 ¥765,118 ¥109,562 ¥686,973 ¥758,178 [2,288] Amount of direct reduction ....................................... ¥477,529 ¥478,042 [1,954] Millions of yen Balance at beginning of the fiscal year Increase during the fiscal year Decrease during the fiscal year Balance at end of the fiscal year Year ended March 31, 2011 Objectives Others General reserve for possible loan losses.................. ¥491,033 ¥483,315 ¥ — ¥491,033* ¥483,315 [4,617] Specific reserve for possible loan losses ................. 260,622 227,935 59,791 200,831* 227,935 [1,720] For nonresident loans ........................................... 28,665 44,601 5,719 22,945* 44,601 [1,720] Loan loss reserve for specific overseas countries ... 184 272 — 184* 272 Total .......................................................................... ¥751,840 ¥711,522 ¥59,791 ¥692,049 ¥711,522 [6,338] Amount of direct reduction ....................................... ¥475,487 ¥496,205 [2,554] Note: Housing loans include general-purpose loans used for housing purposes as well as housing loans and apartment house acquisition loans. Millions of yen March 31 2011 2010 Consumer loans .............................................................................................. ¥15,369,284 ¥15,400,531 Housing loans .............................................................................................. 14,490,768 14,497,508 Residential purpose ................................................................................. 11,141,658 11,010,697 Others .......................................................................................................... 878,516 903,023