SMFG Annual Report 2005 (FY2004)

1. Foreword (PDF:42KB)
2. President's Message (PDF:69KB)
3. Group Companies (PDF:207KB)
4. SMFG's Strengths and Challenges (PDF:343KB)
5. OrganizationalReforms at SMFG and SMBC (PDF:25KB)
6. Business Overview
   • Consumer Banking (PDF:136KB)
   • Middle Market Banking (PDF:105KB)
   • Corporate Banking (PDF:65KB)
   • Investment Banking (PDF:55KB)
   • International Banking (PDF:50KB)
   • Treasury Markets (PDF:64KB)
7. Financial Highlights
   • SMFG (PDF:27KB)
   • SMBC (PDF:42KB)
8. Financial Review
   • SMFG (PDF:45KB)
   • SMBC (PDF:64KB)
9. Asset Quality (PDF:70KB)
10. Risk Management (PDF:192KB)
11. Corporate Social Responsibility (PDF:68KB)
12. Corporate Governance (PDF:20KB)
13. Internal Audit System (PDF:30KB)
14. Compliance (PDF:51KB)
15. Environmental Preservation Initiatives (PDF:278KB)
16. Social Contribution Activities (PDF:196KB)
17. Human Resources (PDF:41KB)

Financial Section

• SMFG
  • Consolidated Balance Sheet (PDF:31KB)
  • Consolidated Statement of Operations (PDF:31KB)
  • Consolidated Statement of Stockholders' Equity (PDF:30KB)
  • Consolidated Statement of Cash Flows (PDF:34KB)
  • Notes to Consolidated Financial Statements (PDF:188KB)
  • Independent Auditors' Report (PDF:32KB)
  • Summary of Significant Differences between Japanese GAAP andU.S. GAAP (PDF:57KB)
• SMBC
  • Supplemental Information (PDF:46KB)
• SMFG
  • Income Analysis (Consolidated) (PDF:42KB)
  • Assets / Liabilities (Consolidated) (PDF:42KB)
  • Capital Ratio (PDF:23KB)
  • Capital (Nonconsolidated) (PDF:42KB)
• SMBC
  • Income Analysis (Consolidated) (PDF:42KB)
  • Assets / Liabilities (Consolidated) (PDF:41KB)
  • Income Analysis (Nonconsolidated) (PDF:53KB)
  • Deposits (Nonconsolidated) (PDF:34KB)
  • Loans (Nonconsolidated) (PDF:49KB)
  • Securities (Nonconsolidated) (PDF:34KB)
  • Capital Ratio (PDF:26KB)
  • Ratios (Nonconsolidated) (PDF:33KB)
  • Capital (Nonconsolidated) (PDF:32KB)
  • Others (Nonconsolidated) (PDF:33KB)
  • Trust Assets and Liabilities (Nonconsolidated) (PDF:38KB)

Corporate Data

• SMFG
  • Board of Directors, Corporate Auditors, and Executive Officers/ Organization (PDF:29KB)
• SMBC
  • Directors, Corporate Auditors, and Executive Officers (PDF:20KB)
  • Organization (PDF:26KB)
• Principal Subsidiarise and Affiliates (PDF:39KB)
• International Directory (PDF:34KB)

SMFG Website (PDF:100KB)