---

---

1. Foreword (PDF:267KB)
2. Message from the Management (PDF:177KB)
3. LEAD THE VALUE-SMFG´s New Medium-Term Management Plan (PDF:126KB)
4. Business Overview
   • Consumer Banking (PDF:1,336KB)
   • Corporate Banking (PDF:92KB)
   • Targeting Issues Involving Companies and Individuals (PDF:68KB)
   • Investment Banking. (PDF:38KB)
   • International Banking / Treasury Markets (PDF:61KB)
5. Group Companies (PDF:99KB)
6. Financial Highlights
   • SMFG (PDF:45KB)
   • SMBC (PDF:81KB)
7. Financial Review
   • SMFG (PDF:59KB)
   • SMBC (PDF:57KB)
8. Asset Quality (PDF:75KBB)
9. Risk Management (PDF:254KB)
10. Corporate Social Responsibility (PDF:55KB)
11. Corporate Governance (PDF:32KB)
12. Internal Audit System (PDF:45KB)
13. Compliance (PDF:61KB)
14. Environmental Preservation Initiatives (PDF:139KB)
15. Social Contribution Activities (PDF:234KB)
16. Human Resources (PDF:128KB)

Financial Section

• SMFG
  • Consolidated Balance Sheet (PDF:41KB)
  • Consolidated Statements of Income (PDF:38KB)
  • Consolidated Statement ofChanges in Net Assets (PDF:48KB)
  • Consolidated Statement ofStockholders' Equit (PDF:48KB)
  • Consolidated Statements of Cash Flows (PDF:42KB)
  • Notes to Consolidated Financial Statements (PDF:218KB)
  • Independent Auditors' Report (PDF:37KB)
• SMBC
  • Supplemental Information (PDF:54KB)
• SMFG
  • Income Analysis (Consolidated) (PDF:48KB)
  • Assets and Liabilities (Consolidated) (PDF:50KB)
  • Capital (Nonconsolidated) (PDF:47KB)
  • Capital Ratio Information (Consolidated) (PDF:150KB)
• SMBC
  • Income Analysis (Consolidated) (PDF:48KB)
  • Assets and Liabilities (Consolidated) (PDF:48KB)
  • Income Analysis (Nonconsolidated) (PDF:57KB)
  • Deposits (Nonconsolidated) (PDF:40KB)
  • Loans (Nonconsolidated) (PDF:54KB)
  • Securities (Nonconsolidated) (PDF:39KB)
  • Ratios (Nonconsolidated) (PDF:39KB)
  • Capital (Nonconsolidated) / Others (Nonconsolidated) (PDF:43KB)
  • Trust Assets and Liabilities (Nonconsolidated) (PDF:43KB)
  • Capital Ratio Information (PDF:44KB)

Corporate Data

• SMFG
  • Board of Directors, Corporate Auditors,and Executive Officers (PDF:36KB)
  • SMFG Organization (PDF:36KB)
• SMBC
  • Board of Directors, Corporate Auditors,and Executive Officers (PDF:28KB)
  • SMBC Organization (PDF:56KB)
• Principal Subsidiaries and Affiliates
  • Principal Domestic Subsidiaries (PDF:40KB)
  • Principal Overseas Subsidiaries (PDF:47KB)
  • Principal Affiliates (PDF:35KB)
• International Directory (PDF:170KB)