SMBC Capital Ratio Information ■  Capital Structure Information (Consolidated Capital Ratio (International Standard)) Sumitomo Mitsui Banking Corporation and Subsidiaries Millions of yen March 31 2011 2010 Tier I capital: Capital stock .................................................................................................... ¥ 1,770,996 ¥ 1,770,996 Capital surplus ................................................................................................. 2,717,397  2,709,682 Retained earnings ............................................................................................ 929,336  668,074 Cash dividends to be paid ............................................................................... (25,197) (62,702) Foreign currency translation adjustments ........................................................ (119,696) (99,481) Stock acquisition rights .................................................................................... 91  81 Minority interests .............................................................................................. 1,419,231  1,470,612 Goodwill and others ......................................................................................... (215,021) (220,978) Gain on sale on securitization transactions...................................................... (35,967) (37,453) Amount equivalent to 50% of expected losses in excess of reserve .............. — (21,336) Total Tier I capital (A) ........................................................................................ 6,441,170  6,177,492 Tier II capital: Unrealized gains on other securities after 55% discount................................. 140,213  224,106 Land revaluation excess after 55% discount ................................................... 35,739  37,033 General reserve for possible loan losses.......................................................... 52,519  49,937 Excess of eligible reserves relative to expected losses ................................... 66,209 — Subordinated debt ........................................................................................... 2,210,287  2,203,415 Total Tier II capital ............................................................................................ 2,504,969  2,514,493 Tier II capital included as qualifying capital (B) ................................................ 2,504,969  2,514,493 Deductions: (C) ..................................................................................................................... 289,305  339,212 Total qualifying capital: (D) = (A) + (B) – (C) ............................................................................................ ¥ 8,656,834 ¥ 8,352,773 Risk-weighted assets: On-balance sheet items ................................................................................... ¥34,672,732  ¥39,030,287 Off-balance sheet items ................................................................................... 6,539,408  7,583,421 Market risk items .............................................................................................. 570,867  426,799 Operational risk ................................................................................................ 3,394,595  3,032,531 Total risk-weighted assets (E) ........................................................................... ¥45,177,603  ¥50,073,039 Tier I risk-weighted capital ratio: (A) / (E) $_{✕}$ 100 .................................................................................................... 14.25% 12.33% Total risk-weighted capital ratio: (D) / (E) $_{✕}$ 100 ................................................................................................... 19.16% 16.68% Required capital: (E) $_{✕}$ 8% ........................................................................................................... ¥ 3,614,208 ¥ 4,005,843 SMFG  2011 209