SMBC Income Analysis (Nonconsolidated) Gross Banking Profit, Classified by Domestic and International Operations Average Balance, Interest and Earnings Yield of Interest-Earning Assets and Interest-Bearing Liabilities Domestic Operations Sumitomo Mitsui Banking Corporation Millions of yen 2011 2010 Year ended March 31 Domestic operations International operations Total Domestic operations International operations Total Interest income ........................................... ¥ 985,974 ¥275,696 ¥1,259,403 ¥1,063,182 ¥323,681 ¥1,380,280 [2,267] [6,583] Interest expenses ....................................... 118,390 175,456 291,578 153,247 187,233 333,898 [2,267] [6,583] Net interest income ........................................ 867,584 100,240 967,825 909,934 136,448 1,046,382 Trust fees ........................................................ 2,299 — 2,299 1,736 — 1,736 Fees and commissions ............................... 327,776 111,993 439,770 321,837 91,123 412,960 Fees and commissions payments .............. 118,967 18,135 137,103 108,603 17,643 126,246 Net fees and commissions ............................. 208,808 93,858 302,667 213,233 73,480 286,714 Trading income ........................................... 940 150,129 151,070 2,424 112,932 115,356 Trading losses ............................................. — — — — — — Net trading income ......................................... 940 150,129 151,070 2,424 112,932 115,356 Other operating income .............................. 75,579 142,495 218,075 30,585 55,202 85,788 Other operating expenses .......................... 40,882 69,294 110,177 40,690 40,012 80,703 Net other operating income (expenses) ......... 34,696 73,200 107,897 (10,104) 15,190 5,085 Gross banking profit ....................................... ¥1,114,329 ¥417,429 ¥1,531,759 ¥1,117,224 ¥338,050 ¥1,455,275 Gross banking profit rate (%) ......................... 1.44% 2.34% 1.63% 1.50% 1.98% 1.60% Notes: 1. Domestic operations include yen-denominated transactions by domestic branches, while international operations include foreign-currency-denominated  transactions by domestic branches and operations by overseas branches. Yen-denominated nonresident transactions and Japan offshore banking  accounts are included in international operations. 2. Income and expenses resulting from money held in trust are included in “Other income” and “Other expenses.” Therefore, “Interest expenses” are shown  after deduction of expenses (2011, ¥16 million; 2010, ¥20 million) related to the management of money held in trust. 3. Figures in brackets [ ] indicate interest payments between domestic and international operations. As net interest figures are shown for interest rate swaps  and similar instruments, some figures for domestic and international operations do not add up to their sums. 4. Gross banking profit rate = Gross banking profit / Average balance of interest-earning assets  ✕  100 Notes: 1. “Interest-earning assets” are shown after deduction of the average balance of noninterest-earning deposits (2011, ¥1,008,208 million; 2010, ¥875,040  million). 2. Income and expenses resulting from money held in trust are included in “Other income” and “Other expenses.” Therefore, “Interest-earning assets” are  shown after deduction of the average balance of money held in trust (2011, ¥10,640 million; 2010, ¥10,191 million). “Interest-bearing liabilities” are shown  after deduction of amounts equivalent to the average balance of money held in trust (2011, ¥10,640 million; 2010, ¥10,191 million) and corresponding  interest (2011, ¥16 million; 2010, ¥20 million). 3. Figures in brackets [ ] indicate the average balances of interdepartmental lending and borrowing activities between domestic and international operations  and related interest expenses. As net interest figures are shown for interest rate swaps and similar instruments, some figures for domestic and international  operations do not add up to their sums. SMFG  2011 160 Millions of yen 2011 2010 Year ended March 31 Average balance Interest Earnings yield Average balance Interest Earnings yield Interest-earning assets ................................... ¥77,087,991 ¥985,974 1.27% ¥74,033,481 ¥1,063,182 1.43% [1,239,310] [2,267] [563,457] [6,583] Loans and bills discounted ......................... 47,537,001 784,020 1.64 49,843,442 866,832 1.73 Securities .................................................... 27,380,279 182,526 0.66 21,750,902 174,752 0.80 Call loans .................................................... 62,671 322 0.51 59,440 382 0.64 Receivables under resale agreements ........ — — — 95 0 0.13  Receivables under securities borrowing transactions ............................. 474,990 2,218 0.46 1,397,584 4,059 0.29 Bills bought ................................................. 26,437 1,223 4.62 36,110 1,266 3.50 Deposits with banks ................................... 92,728 477 0.51 105,873 929 0.87 Interest-bearing liabilities ............................... ¥76,271,874 ¥118,390 0.15% ¥74,843,531 ¥ 153,247 0.20% Deposits...................................................... 61,678,813 50,558 0.08 59,829,387 77,419 0.12 Negotiable certificates of deposit ............... 7,425,533 13,143 0.17 7,376,192 18,792 0.25 Call money .................................................. 1,176,587 970 0.08 1,533,682 1,662 0.10 Payables under repurchase agreements .... 79,200 88 0.11 390,348 465 0.11  Payables under securities lending transactions ................................. 1,161,916 1,000 0.08 1,039,464 1,472 0.14 Borrowed money ........................................ 1,937,454 9,650 0.49 2,095,517 11,532 0.55 Short-term bonds ....................................... 59,861 66 0.11 165,447 303 0.18 Bonds ......................................................... 2,524,056 39,470 1.56 2,265,856 35,766 1.57