Capital Ratio Information SMFG 4. Term-End Balances of General Reserve for Possible Loan Losses, Specific Reserve for Possible Loan Losses and Loan Loss  Reserve for Specific Overseas Countries (1) By Geographic Region (2) By Industry 5. Loan Write-Offs by Industry Notes: 1. “Specific reserve for possible loan losses” includes partial direct write-offs (direct reductions). 2. “Domestic operations” comprises the operations of SMFG, its domestic consolidated banking subsidiaries (excluding overseas branches) and other domestic  consolidated subsidiaries. “Overseas operations” comprises the operations of the overseas branches of domestic consolidated banking subsidiaries and overseas  consolidated subsidiaries, and the term-end balances are calculated based on the obligor’s domicile country. Notes: 1. “Specific reserve for possible loan losses” includes partial direct write-offs (direct reductions). 2. “Domestic operations” comprises the operations of SMFG, its domestic consolidated banking subsidiaries (excluding overseas branches) and other domestic  consolidated subsidiaries. “Overseas operations” comprises the operations of the overseas branches of domestic consolidated banking subsidiaries and overseas  consolidated subsidiaries. Note: “Domestic operations” comprises the operations of SMFG, its domestic consolidated banking subsidiaries (excluding overseas branches) and other domestic consolidated  subsidiaries. “Overseas operations” comprises the operations of the overseas branches of domestic consolidated banking subsidiaries and overseas consolidated subsidiaries. SMFG  2011 199 Billions of yen March 31 2011 (A) 2010 (B) 2009 Increase (decrease) (A) – (B) General reserve for possible loan losses......................................... ¥ 696.2 ¥ 702.6 ¥ 691.5 ¥ (6.4) Loan loss reserve for specific overseas countries .......................... 0.6 0.6 1.3 0.0  Specific reserve for possible loan losses ........................................ 1,230.0 1,208.9 1,102.1 21.1  Domestic operations (excluding offshore banking accounts) ..... 1,148.2 1,126.3 970.4 21.9  Overseas operations and offshore banking accounts ................. 81.8 82.6 131.7 (0.8) Asia .......................................................................................... 16.0 20.0 19.3 (4.0) North America .......................................................................... 24.3 25.1 75.8 (0.8) Other regions ........................................................................... 41.5 37.5 36.5 4.0  Total ................................................................................................. ¥1,926.8 ¥1,912.1 ¥1,794.9 ¥14.7  Billions of yen March 31 2011 (A) 2010 (B) 2009 Increase (decrease) (A) – (B) General reserve for possible loan losses.............................................. ¥ 696.2 ¥ 702.6 ¥ 691.5 ¥ (6.4) Loan loss reserve for specific overseas countries ............................... 0.6 0.6 1.3 (0.0) Specific reserve for possible loan losses ............................................. 1,230.0 1,208.9 1,102.1 21.1  Domestic operations (excluding offshore banking accounts) .......... 1,148.2 1,126.3 970.4 21.9  Manufacturing ............................................................................... 167.3 143.5 128.1 23.8  Agriculture, forestry, fishery and mining ....................................... 3.5 3.3 1.2 0.2  Construction ................................................................................. 73.5 86.0 91.2 (12.5) Transport, information, communications and utilities ................... 46.3 74.7 45.9 (28.4) Wholesale and retail...................................................................... 175.1 169.3 173.3 5.8  Financial and insurance ................................................................ 12.2 14.8 21.1 (2.6) Real estate, goods rental and leasing .......................................... 325.0 336.7 225.4 (11.7) Services ........................................................................................ 156.4 161.0 145.8 (4.6) Other industries ............................................................................ 188.9 137.0 138.4 51.9  Overseas operations and offshore banking accounts ...................... 81.8 82.6 131.7 (0.8) Financial institutions ..................................................................... 26.1 36.7 32.0 (10.6) C&I companies ............................................................................. 55.7 45.9 99.7 9.8  Total ...................................................................................................... ¥1,926.8 ¥1,912.1 ¥1,794.9 ¥14.7  Billions of yen Fiscal 2010 Fiscal 2009 Domestic operations (excluding offshore banking accounts) Manufacturing......................................................................................... ¥ 27.6  ¥ 19.2 Agriculture, forestry, fishery and mining ................................................. 0.2 0.3 Construction ........................................................................................... 5.3 4.8 Transport, information, communications and utilities ............................. 5.7 6.7 Wholesale and retail ............................................................................... 20.0 32.2 Financial and insurance .......................................................................... 0.0 (4.8) Real estate, goods rental and leasing .................................................... 6.5 54.0 Services .................................................................................................. 7.8 16.5 Other industries ...................................................................................... 80.2 50.2 Subtotal .................................................................................................. ¥153.3 ¥179.1 Overseas operations and offshore banking accounts Financial institutions ............................................................................... ¥ 0.8 ¥ (3.2) C&I companies ....................................................................................... 2.5 0.8 Subtotal .................................................................................................. ¥ 3.3 ¥ (2.4) Total ............................................................................................................ ¥156.6  ¥176.7