SMFG Annual Report 2003 (FY2002)

1. Foreword (PDF:36KB)
2. President's Message (PDF:27KB)
3. Group Companies (PDF:102KB)
4. Topics (PDF:93KB)
5. Financial Highlights
   • SMFG (PDF:13KB)
   • SMBC (PDF:25KB)
6. Asset Quality (PDF:49KB)
7. Progress Report on the Plan for Strengthening the Financial Base of the Bank (PDF:17KB)
8. Corporate Governance (PDF:9KB)
9. Internal Audit System (PDF:19KB)
10. Compliance (PDF:44KB)
11. Risk Management (PDF:204KB)
12. Business Overview (PDF:44KB)
    • Consumer Banking (PDF:40KB)
    • Middle Market Banking (PDF:35KB)
    • Corporate Banking (PDF:14KB)
    • Community Banking (PDF:338KB)
    • International Banking (PDF:14KB)
    • Treasury Markets (PDF:30KB)
    • Investment Banking (PDF:25KB)
    • Asset Restructuring (PDF:30KB)
13. Environmental Preservation Initiatives (PDF:60KB)
14. Social Contribution (PDF:30KB)

Financial Section

• Financial Review [SMFG] (Consolidated) (PDF:22KB)
• Financial Review [SMBC] (Nonconsolidated) (PDF:25KB)
• Reorganization of Group Companies (PDF:22KB)
• SMFG
  • Consolidated Balance Sheet (PDF:14KB)
  • Consolidated Statement of Operations (PDF:14KB)
  • Consolidated Statement of Stockholders' Equity (PDF:12KB)
  • Consolidated Statement of Cash Flows (PDF:16KB)
  • Notes to Consolidated Financial Statements (PDF:98KB)
  • Independent Auditors' Report (PDF:9KB)
  • Summary of Significant Differences between Japanese GAAP and U.S. GAAP (PDF:22KB)
• SMBC
  • Supplemental Information (PDF:30KB)
• SMFG
  • Income Analysis (Consolidated) (PDF:21KB)
  • Assets / Liabilities (Consolidated) (PDF:19KB)
  • Capital Ratio (PDF:10KB)
  • Capital (Nonconsolidated) (PDF:23KB)
• SMBC
  • Income Analysis (Consolidated) (PDF:26KB)
  • Assets / Liabilities (Consolidated) (PDF:23KB)
  • Income Analysis (Nonconsolidated) (PDF:37KB)
  • Deposits (Nonconsolidated) (PDF:41KB)
  • Loans (Nonconsolidated) (PDF:18KB)
  • Securities (Nonconsolidated) (PDF:16KB)
  • Capital Ratio (PDF:17KB)
  • Ratios (Nonconsolidated) (PDF:19KB)
  • Capital (Nonconsolidated) (PDF:17KB)
  • Others (Nonconsolidated) (PDF:19KB)
  • Trust Assets and Liabilities (Nonconsolidated) (PDF:14KB)

Corporate Data

• SMFG
  • Board of Directors, Corporate Auditors, and Executive Officers / Organization (PDF:12KB)
• SMBC
  • Directors, Corporate Auditors, and Executive Officers (PDF:15KB)
  • Organization (PDF:23KB)
• Principal Subsidiarise and Affiliates (PDF:23KB)
• International Directory (PDF:7KB)

SMFG Website (PDF:32KB)