Human Resources SMFG and its Group companies strive to create the kind of  work environment which every employee feels proud of and is  able to develop his or her full potential and capabilities in. In  the following pages, we introduce some of the activities initi- ated by the human resources department of SMBC and other  Group companies, including Sumitomo Mitsui Card, Cedyna,  Sumitomo Mitsui Finance and Leasing (SMFL), the Japan  Research Institute (JRI), SMBC Friend Securities, SMBC Nikko  Securities, The Minato Bank and Kansai Urban Banking. created the “Young Employees’ Growth Plan & Guide,” based  on the SMFL Standards, and it has also established an in-house  business school which supplements on-the-job training. JRI  believes that its human resources provide added value, which  is translated into its solutions and proposals. With that in  mind, JRI has established the Staff Development Department  in the Computer System Division, and the Human Resources  Incubation Center in the Comprehensive Research Division  for the well-planned development of human resources. SMBC  Friend Securities has started to offer its accredited in-house  classes for our young employees to acquire business skills  to enhance their knowledge and improve their skills, in order  for the company to respond appropriately to the continuously  advancing sophistication and diversification of the securities  business. It has also introduced a tutoring program for effective  on-the-job training of new employees. SMBC Nikko Securities,  as a comprehensive securities and investment banking firm,  is further strengthening its educational programs to develop  employees with expert knowledge and improve their profes- sional skills by providing its newly hired employees with OJT  personally assisted by instructors, follow-up seminars and other  programs such as the “new employee instructor program.” The  Minato Bank has consistently implemented the system of the  Minato Retail-business College (“MRC”) which improves the  quality of consultation services offered to its individual clients.  Kansai Urban Banking has a basic training program designed  for the first five years of employment with the bank in order to  develop an energetic group of employees. It has also created  a system to develop potential mid-management employees  and promote the careers of younger and female employees. As  described above, each Group company is further strengthening  its educational system. In order to motivate and encourage younger employees and to  promote their personal development, the bank provides basic  practical training programs in three areas: the Retail Banking  College; the Corporate Banking College and the Banking  Operations College. Our employees are able to acquire the  required business knowledge and skills through on-the-job  training and seminars. The bank enhances its training programs  by assigning mentors to newly hired employees and the Training  Institute’s instructors to regional head office departments. Following the amendments to the Money Lending Business  Law, Sumitomo Mitsui Card has increased its efforts toward  the development of professional expert employees in the credit  business. We have taken measures to proactively support our  employees to become licensed money lending officers by regu- larly holding in-house seminars, educating them with knowledge  on products and other related subjects. Cedyna strives to  promote high professional standards and encourage the setting  of challenging goals. Younger employees are encouraged to  work in various departments to learn and gain business skills  and diverse work experience. They strengthen their professional  skills by taking programs at different levels for each type of busi- ness and with specific objectives. SMFL has established “SMFL  Standards,” which annually sets forth the human resources  development plan for  sogoshoku  (management-track) employ- ees of not more than five years with the company. SMFL has  SMFG  2011 62 Employees’ Training Seminar at SMBC Nikko  Securities Training Seminar at Kansai Urban Banking Training Employees with Specialized  Professional Skills 5. To encourage employees to respect their individuality based  on an understanding of diversity and personal fulfillment. 4. To be conscious of the social responsibilities of the Group,  and cultivate the kind of corporate culture that contributes to  the sound development of society. 3. To cultivate the kind of corporate culture which encour- ages values of forward-looking, creative attitude and mutual  cooperation. 2. To maintain and strengthen our sound business manage- ment enabling SMBC to globally compete in the market. 1. To develop professional and specialized employees who can  provide our clients with highly valued products and services. Five Goals of SMBC’s Human Resources  Development