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1. Foreword (PDF:195KB)
2. Message from the Management (PDF:173KB)
3. Supplementary Information  (PDF:779KB)
4. Business Overview
   • Consumer Banking (PDF:125KB)
   • Corporate Banking (PDF:134KB)
   • Services for High-Net-Worth Individuals, Business Owners and Employees (PDF:208KB)
   • Investment Banking (PDF:65KB)
   • International Banking / Treasury Markets (PDF:156KB)
5. Group Companies (PDF:340KB)
6. Financial Highlights
   • SMFG (PDF:95KB)
   • SMBC (PDF:93KB)
7. Financial Review
   • SMFG (PDF:111KB)
   • SMBC (PDF:108KB)
   • Exposure of Securitized Products (Sumitomo Mitsui Financial Group (Consolidated)) (PDF:108KB)
8. Risk Management (PDF:849KB)
9. Corporate Social Responsibility (CSR) (PDF:110KB)
10. Initiatives for Enhancing Customer Satisfaction (CS)and Quality (PDF:74KB)
11. Corporate Governance (PDF:36KB)
12. Internal Audit System (PDF:109KB)
13. Compliance (PDF:186KB)
14. Environmental Preservation Initiatives (PDF:326KB)
15. Social Contribution Activities (PDF:204KB)
16. Human Resources (PDF:118KB)

Financial Section and Corporate Data

• SMFG
  • Consolidated Balance Sheets (PDF:60KB)
  • Consolidated Statements of Operations (PDF:50KB)
  • Consolidated Statements of Changes in Net Assets (PDF:62KB)
  • Consolidated Statements of Cash Flows (PDF:61KB)
  • Notes to Consolidated Financial Statements (PDF:270KB)
  • Independent Auditors' Report (PDF:56KB)
• SMBC
  • Supplemental Information (PDF:72KB)
• SMFG
  • Income Analysis (Consolidated) (PDF:67KB)
  • Assets and Liabilities (Consolidated) (PDF:65KB)
  • Capital (Nonconsolidated) (PDF:64KB)
• SMBC
  • Income Analysis (Consolidated) (PDF:66KB)
  • Assets and Liabilities (Consolidated) (PDF:62KB)
  • Income Analysis (Nonconsolidated) (PDF:79KB)
  • Deposits (Nonconsolidated) (PDF:65KB)
  • Loans (Nonconsolidated) (PDF:135KB)
  • Securities (Nonconsolidated) (PDF:65KB)
  • Ratios (Nonconsolidated) (PDF:66KB)
  • Capital (Nonconsolidated) (PDF:57KB)
  • Others (Nonconsolidated) (PDF:64KB)
  • Trust Assets and Liabilities (Nonconsolidated) (PDF:56KB)
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• SMFG
  • Capital Ratio Information (PDF:456KB)
• SMBC
  • Capital Ratio Information (PDF:83KB)

Corporate Data

• SMFG
  • Board of Directors, Corporate Auditors, and Executive Officers / SMFG Organization (PDF:77KB)
• SMBC
  • Board of Directors, Corporate Auditors, and Executive Officers (PDF:44KB)
  • SMBC Organization (PDF:106KB)
• Principal Subsidiaries and Affiliates
  • Principal Domestic Subsidiaries (PDF:53KB)
  • Principal Overseas Subsidiaries / Principal Affiliates (PDF:59KB)
• International Directory (PDF:328KB)