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Credit Ratings

(as of May 15, 2009)

• Credit ratings of Sumitomo Mitsui Financial Group and major subsidiaries are as follows.

Sumitomo Mitsui Financial Group

	Long-term	Short-term
Standard & Poor's	A	A-1
Fitch Ratings	A	F1

Sumitomo Mitsui Banking Corporation

	Long-term	Short-term
Moody's	Aa2	P-1
Standard & Poor's	A+	A-1
Fitch Ratings	A	F1
Rating and Investment Information (R&I)	A+	a-1
Japan Credit Rating Agency (JCR)	AA-	J-1+

Sumitomo Mitsui Card Company, Limited

	Long-term	Short-term
Japan Credit Rating Agency (JCR)	A+	J-1+

Sumitomo Mitsui Finance and Leasing, Limited

	Long-term	Short-term
Raing and Investment Information (R&I)	A+	a-1
Japan Credit Rating Agency (JCR)	AA-	J-1+