Ratios (Nonconsolidated) Yield/Interest Rate Income Ratio Loan-Deposit Ratio Sumitomo Mitsui Banking Corporation Notes: 1. Ordinary profit (net income) to total assets = Ordinary profit (net income) / Average balance of total assets excluding customers’ liabilities for acceptances  and guarantees $_{✕}$ 100 2. Ordinary profit (net income) to stockholders’ equity = (Ordinary profit (net income) – Preferred dividends) / {(Net assets at the beginning of the fiscal year  – Number of shares of preferred stock outstanding at the beginning of the fiscal year $_{✕}$ Issue price) + (Net assets at the end of the fiscal year – Number of  shares of preferred stock outstanding at the end of the fiscal year $_{✕}$ Issue price)} divided by 2 $_{✕}$ 100 Note: Deposits include negotiable certificates of deposit. Percentage Year ended March 31 2011 2010 Ordinary profit to total assets .......................................................................... 0.54% 0.44% Ordinary profit to stockholders’ equity ............................................................ 11.18 12.13 Net income to total assets .............................................................................. 0.38 0.30 Net income to stockholders’ equity ................................................................ 7.87 8.28 Percentage Year ended March 31 2011 2010 Domestic operations: Interest-earning assets (A) ........................................................................... 1.27% 1.43% Interest-bearing liabilities (B) ....................................................................... 0.97 1.02 (A) – (B) ........................................................................................................ 0.30 0.41 International operations: Interest-earning assets (A) ........................................................................... 1.54% 1.90% Interest-bearing liabilities (B) ....................................................................... 1.43 1.54 (A) – (B) ........................................................................................................ 0.11 0.36 Total: Interest-earning assets (A) ........................................................................... 1.34% 1.52% Interest-bearing liabilities (B) ....................................................................... 1.07 1.11 (A) – (B) ........................................................................................................ 0.27 0.41 Millions of yen March 31 2011 2010 Domestic operations: Loans and bills discounted (A) .................................................................... ¥46,093,104 ¥47,897,818 Deposits (B) ................................................................................................. 72,421,723 67,982,357 Loan-deposit ratio (%) (A) / (B) ..................................................................................................... 63.64% 70.45% Ratio by average balance for the fiscal year ............................................ 68.79 74.16 International operations: Loans and bills discounted (A) .................................................................... ¥ 9,144,508 ¥ 8,721,240 Deposits (B) ................................................................................................. 10,021,562 9,648,282 Loan-deposit ratio (%) (A) / (B) ..................................................................................................... 91.24% 90.39% Ratio by average balance for the fiscal year ............................................ 89.51 89.23 Total: Loans and bills discounted (A) .................................................................... ¥55,237,613 ¥56,619,058 Deposits (B) ................................................................................................. 82,443,286 77,630,639 Loan-deposit ratio (%) (A) / (B) ..................................................................................................... 67.00% 72.93% Ratio by average balance for the fiscal year ............................................ 71.34 76.17 SMFG  2011 173 SMBC