SMFG Annual Report 2004 (FY2003)

1. Foreword (PDF:44KB)
2. President's Message (PDF:41KB)
3. Group Companies (PDF:134KB)
4. Topics (PDF:63KB)
5. Financial Highlights
   • SMFG (PDF:32KB)
   • SMBC (PDF:46KB)
6. Financial Review
   • SMFG (PDF:51KB)
   • SMBC (PDF:65KB)
7. Asset Quality (PDF:74KB)
8. Corporate Governance (PDF:19KB)
9. Internal Audit System (PDF:31KB)
10. Compliance (PDF:54KB)
11. Risk Management (PDF:196KB)
12. Business Overview (PDF:59KB)
    • Consumer Banking (PDF:53KB)
    • Middle Market Banking (PDF:61KB)
    • Corporate Banking (PDF:36KB)
    • Community Banking (PDF:39KB)
    • International Banking (PDF:37KB)
    • Treasury Markets (PDF:35KB)
    • Investment Banking (PDF:38KB)
    • Asset Restructuring (PDF:33KB)
13. Environmental Preservation Initiatives (PDF:429KB)
14. Social Contribution Actirities (PDF:215KB)

Financial Section

• SMFG
  • Consolidated Balance Sheet (PDF:22KB)
  • Consolidated Statement of Operations (PDF:28KB)
  • Consolidated Statement of Stockholders' Equity (PDF:21KB)
  • Consolidated Statement of Cash Flows (PDF:32KB)
  • Notes to Consolidated Financial Statements (PDF:207KB)
  • Independent Auditors' Report (PDF:27KB)
  • Summary of Significant Differences between Japanese GAAP and U.S. GAAP (PDF:55KB)
• SMBC
  • Supplemental Information (PDF:43KB)
• SMFG
  • Income Analysis (Consolidated) (PDF:40KB)
  • Assets / Liabilities (Consolidated) (PDF:35KB)
  • Capital Ratio (PDF:20KB)
  • Capital (Nonconsolidated) (PDF:38KB)
• SMBC
  • Income Analysis (Consolidated) (PDF:40KB)
  • Assets / Liabilities (Consolidated) (PDF:37KB)
  • Income Analysis (Nonconsolidated) (PDF:52KB)
  • Deposits (Nonconsolidated) (PDF:32KB)
  • Loans (Nonconsolidated) (PDF:46KB)
  • Securities (Nonconsolidated) (PDF:31KB)
  • Capital Ratio (PDF:23KB)
  • Ratios (Nonconsolidated) (PDF:30KB)
  • Capital (Nonconsolidated) (PDF:29KB)
  • Others (Nonconsolidated) (PDF:30KB)
  • Trust Assets and Liabilities (Nonconsolidated) (PDF:35KB)

Corporate Data

• SMFG
  • Board of Directors, Corporate Auditors, and Executive Officers / Organization (PDF:26KB)
• SMBC
  • Directors, Corporate Auditors, and Executive Officers (PDF:17KB)
  • Organization (PDF:23KB)
• Principal Subsidiarise and Affiliates (PDF:36KB)
• International Directory (PDF:35KB)

SMFG Website (PDF:89KB)