SMBC Loans (Nonconsolidated) Balance of Loans and Bills Discounted, Classified by Maturity Balance of Loan Portfolio, Classified by Industry Millions of yen March 31 2011 2010 Domestic operations: Manufacturing.............................................................................................. ¥ 5,632,691 11.8% ¥ 6,308,200 12.7% Agriculture, forestry, fisheries and mining ................................................... 145,177 0.3 146,765 0.3 Construction ................................................................................................ 770,985 1.6 897,987 1.8 Transportation, communications and public enterprises ............................ 3,612,396 7.5 3,067,711 6.2 Wholesale and retail .................................................................................... 3,814,280 8.0 4,061,267 8.2 Finance and insurance ................................................................................ 5,934,719 12.4 5,907,426 11.9 Real estate, goods rental and leasing ......................................................... 6,383,363 13.3 6,809,580 13.8 Services ....................................................................................................... 3,436,439 7.2 3,769,330 7.6 Municipalities ............................................................................................... 1,105,751 2.3 984,186 2.0 Others .......................................................................................................... 17,015,261 35.6 17,573,287 35.5 Subtotal ....................................................................................................... ¥47,851,066 100.0% ¥49,525,741 100.0% Overseas operations: Public sector ................................................................................................ ¥ 19,487 0.3% ¥ 21,320 0.3% Financial institutions .................................................................................... 555,762 7.5 484,892 6.8 Commerce and industry .............................................................................. 6,246,696 84.6 6,026,280 85.0 Others .......................................................................................................... 564,599 7.6 560,823 7.9 Subtotal ....................................................................................................... ¥ 7,386,547 100.0% ¥ 7,093,316 100.0% Total ................................................................................................................. ¥55,237,613 — ¥56,619,058 — Millions of yen March 31 2011 2010 Total domestic loans (A) .................................................................................. ¥47,851,066 ¥49,525,741 Loans to individuals, and small and medium-sized enterprises (B) ................ 33,813,418 34,457,098 (B) / (A) ............................................................................................................. 70.7% 69.6% Notes: 1. The figures above exclude the outstanding balance of loans at overseas branches and of Japan offshore banking accounts. 2. Small and medium-sized enterprises are individuals or companies with capital stock of ¥300 million or less, or an operating staff of 300 or fewer employ- ees. (Exceptions to these capital stock and staff restrictions include wholesalers: ¥100 million, 100 employees; retailers: ¥50 million, 50 employees; and  service industry companies: ¥50 million, 100 employees.) Notes: 1. Domestic operations comprise the operations of SMBC (excluding overseas branches). Overseas operations comprise the operations of SMBC’s overseas  branches. 2. Japan offshore banking accounts are included in overseas operations’ accounts. Loans to Individuals/Small and Medium-Sized Enterprises SMFG  2011 167 Millions of yen March 31 2011 2010 One year or less .............................................................................................. ¥ 8,716,300 ¥ 8,933,280 One — three years ......................................................................................... 9,279,086 9,765,902 Floating interest rates .................................................................................. 7,330,056 7,597,080 Fixed interest rates ...................................................................................... 1,949,030 2,168,821 Three — five years .......................................................................................... 7,084,266 7,973,882 Floating interest rates .................................................................................. 5,502,456 6,035,859 Fixed interest rates ...................................................................................... 1,581,809 1,938,023 Five — seven years ........................................................................................ 2,451,364 2,479,598 Floating interest rates .................................................................................. 2,060,192 2,035,407 Fixed interest rates ...................................................................................... 391,171 444,190 More than seven years .................................................................................... 19,481,101 19,181,387 Floating interest rates .................................................................................. 18,486,100 18,171,664 Fixed interest rates ...................................................................................... 995,001 1,009,722 No designated term ......................................................................................... 8,225,494 8,285,006 Floating interest rates .................................................................................. 8,225,494 8,285,006 Fixed interest rates ...................................................................................... — — Total ................................................................................................................. ¥55,237,613 ¥56,619,058 Note: Loans with a maturity of one year or less are not classified by floating or fixed interest rates.