2019 Annual Report (FY2018)

●Our Mission (243KB)
●Contents / Editorial Policy (188KB)
About SMBC Group	●History of SMBC Group (105KB) ●Financial Highlights (187KB) ●ESG Highlights (593KB) ●SMBC Group’s Value Creation Process (145KB) ●Promotion of Sustainability Management(208KB)
To Our Stakeholders	●Message from the Group CEO (217KB) ●Message from the Group CFO (210KB) ●Core Policies of Medium-Term Management Plan (FY2017–2019) (1170KB) ●Using Digital Technology to Create the Future of Finance (247KB) ●Have a good Cashless. (101KB)
Business Strategies for Creating Value	●Group Structure (328KB) ●Retail Business Unit (415KB) ●Wholesale Business Unit (272KB) ●International Business Unit (242KB) ●Global Markets Business Unit (274KB) ●Special Feature: Transformation of Business and Asset Portfolio through Group Reorganization (80KB) ●Special Feature: Realizing Asia-centric: The New BTPN Opens Its Doors for Business (170KB) ●Special Feature: Issuance of Japan’s First Contractual Law Covered Bonds(116KB)
Corporate Infrastructure Supporting Value Creation	●Corporate Governance (506KB) ●SMBC Group Global Advisors (141KB) ●Outside Director Interview (108KB) ●Sumitomo Mitsui Financial Group Directors (178KB) ●Towards Sustainable Development of Society (424KB) ●Customer-Oriented Initiatives (284KB) ●Internal Audit (81KB) ●Compliance (90KB) ●Risk Management (118KB) ●Human Resources Strategy (285KB) ●IT Strategies (128KB) ●Communication with Stakeholders (199KB) ●Financial Review(287KB)
●SMBC Group Supports the Olympic and Paralympic Games Tokyo 2020. (139KB)

Appendix Ⅰ

●Contents (53KB)
●Group Companies (298KB)
●Risk Management (251KB)
●Internal Reporting Systems and Hotline for Inappropriate Accounting and Auditing Activities (60KB)
●Basic Policy for Customer-Oriented Business Conduct (82KB)
●Support for Mid-Sized Corporations and SMEs, Vitalization of Local Regions in Japan . (80KB)
●Employees (104KB)
●Main Work-Life Balance Support System (136KB)
Corporate Data
	Sumitomo Mitsui Financial Group	●Directors and Executive Officers (80KB) ●Sumitomo Mitsui Financial Group Organization (72KB)
	Sumitomo Mitsui Banking Corporation	●Board of Directors, Directors, Members of the Audit and Supervisory Committee and Executive Officers (72KB) ●SMBC Organization (95KB)
	●Principal Subsidiaries and Affiliates (81KB) ●Principal Domestic Subsidiaries (81KB) ●Principal Overseas Subsidiaries (64KB) ●Principal Affiliates (550KB) ●International Directory (277KB)

Appendix II

●Contents (83KB)
Financial Data
	Sumitomo Mitsui Financial Group	●Financial Highlights (91KB) ●Consolidated Balance Sheets (104KB) ●Consolidated Statements of Income (103KB) ●Consolidated Statements of Comprehensive Income (86KB) ●Consolidated Statements of Changes in Net Assets (119KB) ●Consolidated Statements of Cash Flows (105KB) ●Notes to Consolidated Financial Statements (686KB) ●Independent Auditor’s Report (129KB)
	Sumitomo Mitsui Banking Corporation	●Supplemental Information (1429KB)
	Sumitomo Mitsui Financial Group	●Income Analysis (Consolidated) (122KB) ●Assets and Liabilities (Consolidated) (119KB) ●Capital (Non-consolidated) (115KB)
Basel Ⅲ Information
Basel Ⅲ Information	Sumitomo Mitsui Financial Group	●Capital Ratio Information (Consolidated) (924KB) ●Countercyclical buffer requirement by country or region (116KB) ●Indicators for assessing Global Systemically Important Banks (G-SIBs) (131KB) ●Leverage Ratio Information (Consolidated) (106KB) ●TLAC information (146KB) ●Liquidity Coverage Ratio Information (Consolidated) (133KB)
Financial Data
Financial Data	Sumitomo Mitsui Banking Corporation	●Financial Highlights (97KB) ●Income Analysis (Consolidated) (122KB) ●Assets and Liabilities (Consolidated) (111KB) ●Income Analysis (Non-consolidated) (145B) ●Deposits (Non-consolidated) (107KB) ●Loans (Non-consolidated) (149KB) ●Securities (Non-consolidated) (106KB) ●Ratios (Non-consolidated) (107KB) ●Capital (Non-consolid ated) (93KB) ●Others (Non-consolidated) (105KB) ●Trust Assets and Liabilities (Non-consolidated) (94KB)
Basel Ⅲ Information
	Sumitomo Mitsui Banking Corporation	●Capital Ratio Information (Consolidated) (191KB) ●Leverage Ratio Information (Consolidated) (105KB) ●Liquidity Coverage Ratio Information (Consolidated) (129KB) ●Capital Ratio Information (Non-consolidated) (188KB) ●Leverage Ratio Information (Non-consolidated) (104KB) ●Liquidity Coverage Ratio Information (Non-consolidated) (128KB)
	Sumitomo Mitsui Financial Group	●Glossary (100KB)
Compensation
	Sumitomo Mitsui Financial Group	●Compensation (142KB)
	Sumitomo Mitsui Banking Corporation	●Compensation (139KB)