SMFG Capital Ratio Information ■  Capital Structure Information (Consolidated Capital Ratio (First Standard)) Regarding the calculation of the capital ratio, certain procedures were performed by KPMG AZSA LLC pursuant to “Treatment of Inspection  of the Capital Ratio Calculation Framework Based on Agreed-Upon Procedures” (JICPA Industry Committee Report No. 30). The certain  procedures performed by the external auditor are not part of the audit of consolidated financial statements. The certain procedures performed  on our internal control framework for calculating the capital ratio are based on procedures agreed upon by SMFG and the external auditor and  are not a validation of appropriateness of the capital ratio itself or opinion on the internal controls related to the capital ratio calculation. Millions of yen March 31 2011 2010 Tier I capital: Capital stock .................................................................................................... ¥ 2,337,895  ¥ 2,337,895 Capital surplus ................................................................................................. 978,851  978,897 Retained earnings ............................................................................................ 1,776,433  1,451,945 Treasury stock .................................................................................................. (171,760) (124,061) Cash dividends to be paid ............................................................................... (73,612) (80,665) Foreign currency translation adjustments ........................................................ (122,889) (101,650) Stock acquisition rights .................................................................................... 262  81 Minority interests .............................................................................................. 2,029,481  2,042,251 Goodwill and others ......................................................................................... (394,342) (398,709) Gain on sale on securitization transactions...................................................... (36,324) (37,453) Amount equivalent to 50% of expected losses in excess of reserve .............. — (36,249) Total Tier I capital (A) ........................................................................................ 6,323,995  6,032,280 Tier II capital: Unrealized gains on other securities after 55% discount................................. 169,267  254,032 Land revaluation excess after 55% discount ................................................... 35,739  37,033 General reserve for possible loan losses.......................................................... 100,023  69,371 Excess of eligible reserves relative to expected losses ................................... 21,742 — Subordinated debt ........................................................................................... 2,210,184  2,203,415 Total Tier II capital ............................................................................................ 2,536,958  2,563,853 Tier II capital included as qualifying capital (B) ................................................ 2,536,958  2,563,853 Deductions*: (C) ..................................................................................................................... 428,082  467,906 Total qualifying capital: (D) = (A) + (B) – (C) ............................................................................................ ¥ 8,432,871  ¥ 8,128,228 Risk-weighted assets: On-balance sheet items ................................................................................... ¥38,985,243  ¥42,684,693 Off-balance sheet items ................................................................................... 7,433,319  7,833,411 Market risk items .............................................................................................. 584,020  448,397 Operational risk ................................................................................................ 3,691,113  3,117,968 Total risk-weighted assets (E) ........................................................................... ¥50,693,696  ¥54,084,471 Tier I risk-weighted capital ratio: (A) / (E) $_{✕}$ 100 .................................................................................................... 12.47% 11.15% Total risk-weighted capital ratio: (D) / (E) $_{✕}$ 100 ................................................................................................... 16.63% 15.02% Required capital: (E) $_{✕}$ 8% ........................................................................................................... ¥ 4,055,495 ¥ 4,326,757 * “Deductions” refers to deductions stipulated in Article 8-1 of the Notification and includes willful holding of securities issued by other financial institutions and  securities stipulated in Clause 2. SMFG  2011 180