These activities are supported by our three core strengths: We create new VALUE by forming teams of specialists in various fields and providing optimal services to our customers through two-way communication. As a result, we will be selected as a truly trusted partner. September 2011 Public Relations Department 1-2, Marunouchi 1-chome, Chiyoda-ku,  Tokyo 100-0005, Japan TEL: +81-3-3282-8111 Public Relations Department 1-2, Marunouchi 1-chome, Chiyoda-ku,  Tokyo 100-0005, Japan TEL: +81-3-3282-1111 Spirit of Innovation We LEAD the market by providing innovative, globally competitive services that meet customer needs. Solution &  Execution We LEAD the business by using all the knowledge and experiences of our group to solve the issues of our  customers, whether individuals  or corporates, identified through a  deep understanding of their needs and financial situations. Speed We LEAD the pace by providing our customers with desirable services in a timely manner with speed and determination. • Message from Top Management ............................... 2 Business Overview.................................................... 8 Consumer Banking ..................................................................  8 Corporate Banking...................................................................  10 Services for High Networth Individuals, Business Owners and Employees ......................................... 12 Investment Banking .................................................................  13 International Banking ...............................................................  14 Treasury Markets......................................................................  15 • Group Companies .................................................... 16 Financial Highlights ................................................... 19 • Financial Review ....................................................... 23 Risk Management ..................................................... 32 • Corporate Social Responsibility (CSR) ....................... 48 Initiatives for Enhancing Customer Satisfaction (CS) and Quality ............................................................ 49 • Corporate Governance ............................................. 50 Internal Audit System ................................................ 51 • Compliance .............................................................. 52 Environmental Preservation Initiatives ........................ 54 • Social Contribution Activities ..................................... 58 Human Resources .................................................... 62 • Financial Section and Corporate Data ....................... 69 Financial Section......................................................................  70 Corporate Data........................................................................ 211 CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING  STATEMENTS CONTENTS Sumitomo Mitsui Financial Group, Inc.  Sumitomo Mitsui Banking Corporation SMFG  2011 1 This material contains “forward-looking statements” (as defined in  the U.S. Private Securities Litigation Reform Act of 1995), regarding  the intent, belief or current expectations of us and our managements  with respect to our future financial condition and results of operations.  In many cases but not all, these statements contain words such as  “anticipate,” “estimate,” “expect,” “intend,” “may,” “plan,” “probability,”  “risk,” “project,” “should,” “seek,” “target” and similar expressions.  Such forward-looking statements are not guarantees of future  performance and involve risks and uncertainties, and actual results  may differ from those expressed in or implied by such forward-looking  statements contained or deemed to be contained herein. The risks  and uncertainties which may affect future performance include the  fragility of any economic recovery, both globally and in Japan; our  ability to successfully implement its business and capital strategy; the  success of our business alliances including those in the consumer  finance industry; exposure to new risks as we expand the scope of  our business; significant credit-related costs; declines in the value of  our securities portfolio. Given these and other risks and uncertainties,  you should not place undue reliance on forward-looking statements,  which speak only as of the date of this material. We undertake no  obligation to update or revise any forward-looking statements. Please refer to our most recent disclosure documents such as  our annual report or the registration statement on Form 20-F filed  with the U.S. Securities and Exchange Commission, as well as our  earnings press release for a more detailed description of the risks and  uncertainties that may affect our financial conditions, our operating  results, and investors’ decisions.