SMFG Operating Income, Classified by Domestic and Overseas Operations Income Analysis (Consolidated) Sumitomo Mitsui Financial Group, Inc. and Subsidiaries Millions of yen 2011 2010 Year ended March 31 Domestic operations  Overseas operations Elimination Total Domestic  operations Overseas  operations Elimination Total Interest income ..................................................... ¥1,345,979 ¥356,800 ¥(90,179) ¥1,612,599 ¥1,392,919 ¥405,558 ¥(102,672) ¥1,695,805 Interest expenses .................................................. 281,315 103,355 (89,739) 294,931 297,268 118,923 (101,319) 314,872 Net interest income ................................................... 1,064,663 253,444 (439) 1,317,668 1,095,650 286,634 (1,352) 1,380,933 Trust fees ................................................................... 2,335 — — 2,335 1,778 — — 1,778 Fees and commissions ......................................... 806,591 92,975 (2,105) 897,461 651,331 80,655 (2,622) 729,364 Fees and commissions payments ........................ 120,594 11,046 (410) 131,230 111,320 10,923 (1,495) 120,748 Net fees and commissions ........................................ 685,997 81,929 (1,695) 766,230 540,011 69,731 (1,126) 608,616 Trading income...................................................... 251,626 2,787 (17,321) 237,093 186,117 28,902 (20,932) 194,087 Trading losses ....................................................... 6,732 10,589 (17,321) — 8,313 12,619 (20,932) — Net trading income .................................................... 244,894 (7,801) — 237,093 177,804 16,283 — 194,087 Other operating income ........................................ 961,912 77,934 (183) 1,039,662 401,898 51,325 (210) 453,012 Other operating expenses..................................... 821,014 37,504 (274) 858,243 355,904 45,967 (98) 401,773 Net other operating income (expenses) .................... 140,898 40,429 91 181,419 45,993 5,358 (112) 51,238 Notes: 1. Domestic operations comprise the operations of SMFG, its domestic consolidated banking subsidiaries (excluding overseas branches) and other domestic  consolidated subsidiaries. Overseas operations comprise the operations of the overseas branches of domestic consolidated banking subsidiaries and  overseas consolidated subsidiaries. 2. Income and expenses resulting from money held in trust are included in “Other income” and “Other expenses.” Therefore, “Interest expenses” are shown  after deduction of expenses (2011, ¥16 million; 2010, ¥20 million) related to the management of money held in trust. 3. Intersegment transactions are reported in the “Elimination” column. Average Balance, Interest and Earnings Yield of Interest-Earning Assets and Interest-Bearing Liabilities Millions of yen 2011 2010 Year ended March 31 Average balance Interest Earnings yield Average balance Interest Earnings yield Interest-earning assets .............................................. ¥93,247,748 ¥1,345,979 1.44% ¥86,229,707 ¥1,392,919 1.62% Loans and bills discounted ................................... 54,156,879 1,006,690 1.86 55,382,826 1,058,896 1.91 Securities .............................................................. 31,216,834 228,045 0.73 24,828,351 218,390 0.88 Call loans and bills bought .................................... 355,148 2,250 0.63 343,760 2,499 0.73 Receivables under resale agreements .................. 26,178 32 0.12 13,958 15 0.11  Receivables under securities borrowing transactions ....................................... 4,243,613 8,464 0.20 2,293,522 5,413 0.24 Deposits with banks .............................................. 343,704 1,566 0.46 319,399 1,819 0.57 Lease receivables and investment assets ............ 1,626,041 62,998 3.87 1,763,180 66,477 3.77 Interest-bearing liabilities .......................................... ¥98,130,523 ¥ 281,315 0.29% ¥91,491,665 ¥ 297,268 0.32% Deposits ............................................................... 70,966,834 71,673 0.10 68,495,143 106,542 0.16 Negotiable certificates of deposit ......................... 7,144,913 12,396 0.17 6,939,707 17,939 0.26 Call money and bills sold ...................................... 1,613,628 2,166 0.13 1,857,443 2,855 0.15 Payables under repurchase agreements .............. 445,349 573 0.13 612,826 677 0.11  Payables under securities lending transactions ... 4,629,220 8,847 0.19 2,859,188 6,165 0.22 Commercial paper................................................. — — — — — — Borrowed money ................................................... 8,118,619 106,979 1.32 5,842,252 117,900 2.02 Short-term bonds .................................................. 1,190,706 2,006 0.17 1,084,084 2,902 0.27 Bonds .................................................................... 3,810,547 76,662 2.01 3,591,097 69,577 1.94 Domestic Operations Notes: 1. Domestic operations comprise the operations of SMFG, its domestic consolidated banking subsidiaries (excluding overseas branches) and other domestic  consolidated subsidiaries. 2. In principle, average balances are calculated by using daily balances. However, some consolidated subsidiaries use weekly, monthly or quarterly balances  instead. 3. “Interest-earning assets” are shown after deduction of the average balance of noninterest-earning deposits (2011, ¥1,188,255 million; 2010, ¥965,438  million). 4. Income and expenses resulting from money held in trust are included in “Other income” and “Other expenses.” Therefore, “Interest-earning assets” are  shown after deduction of the average balance of money held in trust (2011, ¥21,928 million; 2010, ¥12,392 million). “Interest-bearing liabilities” are shown  after deduction of amounts equivalent to the average balance of money held in trust (2011, ¥21,928 million; 2010, ¥12,392 million) and corresponding  interest (2011, ¥16 million; 2010, ¥20 million). SMFG  2011 146