SMFG Capital Ratio Information March 31, 2010 Billions of yen Weighted average  PD Weighted average  LGD Weighted average  ELdefault Weighted average  risk weight Exposure amount Total  On-balance sheet assets Off-balance  sheet assets  Mortgage loans PD segment: Not delinquent Use model ......................... ¥10,633.8 ¥10,565.2 ¥68.6 0.37% 44.59% —% 27.60% Others ............................... 769.8 769.8 — 0.83 60.25 — 73.02 Delinquent ............................. 106.3 99.9 6.4 31.53 48.55 — 276.96 Default .......................................... 163.2 162.7 0.5 100.00 45.69 43.23 30.69 Total .............................................. ¥11,673.1 ¥11,597.6 ¥75.6 — — — — Notes: 1. “Others” includes loans guaranteed by employers. 2. “Delinquent” loans are past due loans and loans to obligors categorized as “Borrowers Requiring Caution” that do not satisfy the definition of default stipulated  in the Notification. (A) Rating Procedures B. Qualifying Revolving Retail Exposures (QRRE) GLYPH<129> “Qualifying revolving retail exposures” includes card loans and credit card balances. GLYPH<129> Card loans and credit card balances are rated as follows. Card loans and credit card balances are allocated to a portfolio segment with similar risk characteristics determined based, for card  loans, on the credit quality of the loan guarantee company, credit limit, settlement account balance and payment history, and, for  credit card balances, on repayment history and frequency of use. PDs and LGDs used to calculate credit risk-weighted asset amounts are estimated based on the default experience for each  segment and taking into account the possibility of estimation errors. Further, the effectiveness of segmentation in terms of default risk and recovery risk is validated periodically.  Internal data are used to estimate and validate PDs and LGDs. The definition of default is the definition stipulated in the  Notification. (B) Portfolio March 31, 2011 Billions of yen Weighted average  CCF Weighted average  PD Weighted average  LGD Weighted average  EL default Weighted average  risk weight Exposure amount Undrawn  amount Total On-balance sheet assets  Off-balance  sheet  assets  Balance Increase Card loans PD segment: Not delinquent ........ ¥ 576.4 ¥ 520.0 ¥ 54.2 ¥ 2.3  ¥ 183.9 29.47% 3.08% 85.42% —% 71.88% Delinquent ............... 18.5 17.9 0.6 — 4.7 12.44 28.53 79.34 — 220.77 Credit card balances PD segment: Not delinquent ........ 1,116.4 625.8 327.1 163.5 3,925.5 8.33 1.60 77.60 — 32.54 Delinquent ............... 12.7 10.2 2.5 — — — 92.99 78.55 — 38.45 Default ............................ 45.4 40.9 4.6 — — — 100.00 85.33 79.29 75.50 Total ................................ ¥1,769.5 ¥1,214.7 ¥389.0 ¥165.8 ¥4,114.0 — — — — — March 31, 2010 Billions of yen Weighted average  CCF Weighted average  PD Weighted average  LGD Weighted average  EL default Weighted average  risk weight Exposure amount Undrawn  amount Total On-balance sheet assets  Off-balance  sheet  assets  Balance Increase Card loans PD segment: Not delinquent ........ ¥ 568.2 ¥ 509.0 ¥ 59.2 ¥ — ¥ 180.4 32.84% 2.12% 85.76% —% 54.67% Delinquent ............... 12.8 12.4 0.4 — 3.3 12.05 22.22 76.31 — 206.05 Credit card balances PD segment: Not delinquent ........ 1,010.7 669.3 341.5 — 4,127.7 8.27 1.42 77.93 — 29.52 Delinquent ............... 7.8 6.6 1.2 — — — 85.68 80.67 — 89.76 Default ............................ 30.6 26.9 3.8 — — — 100.00 86.86 80.65 77.68 Total ................................ ¥1,630.3 ¥1,224.1 ¥406.1 ¥ — ¥4,311.5 — — — — — Notes: 1. The on-balance sheet exposure amount is estimated by estimating the amount of increase in each transaction balance and not by multiplying the undrawn  amount by the CCF. 2. “Weighted average CCF” is “On-balance sheet exposure amount ÷ Undrawn amount” and provided for reference only. It is not used for estimating  on-balance sheet exposure amounts. 3. Past due loans of less than three months are recorded in “Delinquent.” SMFG  2011 186