Enhance risk-return profile by improving asset quality Aim for top-level cost efficiency among global players SMFG’s consolidated  net income RORA (SMFG):  approx. 0.8% Core Tier I ratio:  approx. 8% Overseas banking profit ratio:  approx. 30% SMFG’s consolidated overhead ratio:  50-55% SMBC’s non-consolidated overhead ratio: 45-50% Profitability Financial soundness Growth Steady improvement Achieve sufficient Core Tier I ratio as required for a global player Expand overseas business by capturing growing business opportunities especially in Asia * The figures in the chart are targeted goals for fiscal 2013. Core Tier I ratio: Calculated based on the definition under Basel III in 2019; all regulatory adjustments are deducted, excluding net unrealized  gains (losses) on other securities (SMFG consolidated).  Overseas banking profit ratio: Managerial accounting basis. In order to implement our new medium-term management plan,  first of all, we will proactively strive to facilitate our financial intermedi- ary services to fulfill our corporate social responsibility as a leading  financial services group in Japan, which is faced with unprecedented  difficult challenges resulting from the Great East Japan Earthquake  last March. We firmly support Japan’s reconstruction financially, and  are making every effort as a financial institution to put our economy  back on track for sustainable growth of the global economy.  Having that in mind, we will strive to further accommodate our  clients’ financial needs in a timely and effective manner in Japan,  our geographic original domain, and establish a globally competitive  business platform, financial base and corporate infrastructure by  focusing on our five strategic business areas, while addressing new  financial regulations and other issues. My mission as President and CEO of SMBC is to move the company  forward quickly and steadily for the next level of growth, building on our  business franchise, capital foundation and sense of unity, which we have  created and strengthened in the first decade of our operations. “Provide the most sophisticated products and services to our clients,”  “Act with global perspective” and “Constantly innovate, proactively  respond to the changes in business environment and stay ahead of the  times” — these are my principles for SMBC. Takeshi Kunibe President and CEO Sumitomo Mitsui Banking Corporation SMFG  2011 3