---

---

Key points of CSR activities

The focus of the Group’s CSR activities is to deliver better value based on a sound business base through our four stakeholder groups, and contribute to the sustainable development of society as a whole.

• We shall endeavor to develop and prosper with our customers by offering top-quality, highly-valued products and services.
• We shall engage in solid management by disclosing appropriate information and developing our internal control system in an effort to maximize our shareholders’ value.
• We shall contribute to society and preserve the natural environment by continuously and proactively implementing initiatives including social and environmental activities.
• We shall foster a free and active business environment which respects individuals and allows each employee to realize his or her full potential.

Helping to build a sustainable society through our core business

It is important for the Group to meet these responsibilities through its business operations. We regard CSR as the foundation of our business growth strategy, and position it as an integrated unit with that business growth strategy, in order to achieve our business objectives. This means ensuring that the directions of our business growth strategy match our business objective of “winning the highest trust,” and constantly assessing our activities against the standards outlined in SMFG’s Basic CSR Policy. At the same time, we ensure that the customer and social needs we learn of by feedback are reflected in our CSR activities.

We believe fulfilling our CSR imperatives is “the very essence of our business,” and seriously engaging in CSR is the shortest path to achieving our business objectives.

Under the “LEAD THE VALUE” corporate slogan, we committed ourselves to contributing to our customers and society through our business, by “increasing the quality and comprehensive strength (value) of the entire Group by every one of us maximizing our strengths (our Spirit of Innovation, Speed, and Solution & Execution), and aiming to continue to lead the development of our customers and society by providing value for our customers and society.”

In our CSR activities likewise, we will contribute to creation of a sustainable society through “Spirit of Innovation,” “Speed” and “Solution & Execution.”