Corporate Social Responsibility (CSR) Contributing to  the Sustainable Development of Society Key Points of CSR Activities Basic CSR Policies SMFG’s Definition of CSR ■  SMFG CSR Values Common SMFG CSR Philosophy: Business Ethics Integrally Implementing CSR Activities and  Business Strategies I. Satisfactory Customer Services II. Sound Management III. Contributing to Social Development V. Compliance IV. Free and Active Business Environment SMFG  2011 48 SMFG’s goal is to earn the highest trust of society by meeting the  public’s expectations and fulfilling its social responsibilities. Earning  the highest level of trust requires us to equally provide the most  value to our customers, our shareholders and the market, the  environment and society, and our employees. Through this process,  we strongly believe that contributing to the sustainable development  of society as a whole is vital for us to fulfill our corporate social  responsibilities. The following are the key points of our CSR activities. First, we  have created a solid management framework, including corporate  governance, internal auditing, compliance, and risk management  systems. Secondly, we offer the most value for our four major  stakeholder groups as follows. In implementing CSR activities, SMFG has defined CSR and put in  place a set of common principles regarding business ethics for the  Group. In the conduct of its business activities, SMFG fulfills its social responsibilities  by contributing to the sustainable development of society as a whole through  offering higher added value to (i) customers, (ii) shareholders and the market,  (iii) the environment and society, and (iv) employees. We intend to be a financial services group that has the complete trust and  support of our customers. For this purpose, we will always provide services  that meet the true needs of our customers to assure their satisfaction and  earn confidence in the Group. We intend to be a financial services group that maintains fair, transparent,  and sound management based on the principle of self-responsibility. For  this purpose, along with earning the firm confidence of our shareholders,  our customers, and the general public, we take a long-term view of our  business and operate it efficiently, and actively disclose accurate business  information about the Group. Through these activities, we work to maintain  continued growth based on a sound financial position. We intend to be a financial services group that contributes to the healthy  development of society. For this purpose, we recognize the importance of  our mission to serve as a crucial part of the public infrastructure and also  our social responsibilities. With such recognition, we undertake business  operations that contribute to the steady development of Japan and the rest  of the world, and endeavor, as a good corporate citizen, to make a positive  contribution to society. We intend to be a financial services group for which all officers and  employees work with pride and commitment. For this purpose, we respect  people and develop employees with extensive professional knowledge and  capabilities, thereby creating a free and active business environment. We intend to be a financial services group that always keeps in mind the  importance of compliance. For this purpose, we reflect our awareness  of Business Ethics in our business activities at all times. In addition, we  respond promptly to directives from auditors and inspectors. Through  these actions, we observe all laws and regulations, and uphold moral  standards in our business practices. Completely and fully performing CSR activities is undoubtedly  the essence of “management itself,” and sincerely committing to the  implementation of CSR initiatives is considered the shortest path for  achieving management policies and business goals. CSR activities are considered the foundation of the business  strategies of SMFG and Group companies as well as the fulfillment  of management policies and business goals. Lastly, we shall strive to ultimately contribute to the sustainable  development of society through such activities. • We shall foster a free and active business environment which  respects individuals and allows each employee to realize his  or her full potential. • We shall contribute to society and preserve the natural  environment by continuously and proactively implementing  initiatives including social and environmental activities. • We shall maintain the solid management by disclosing appro- priate information, developing our internal control system and  operate solid management to maximize our shareholders’  value. • We shall endeavor to develop and prosper with our customers  by offering top-quality, highly-valued products and services. Contributing to the Sustainable Development of Society Customers Shareholders and the Market The Environment and Society Employees CSR Group Initiatives Solid Management Structure (corporate governance, internal controls, compliance, risk management, information disclosure, etc.) Highly-valued products and services Sound Management Social and community activities and environmental activities Corporate culture respecting the individual