2020 Annual Report (FY2019)

●Revision to Group Mission, Vision, and Values (281KB)
●Editorial Policy / Contents (508KB)
About SMBC Group	●SMBC Group’s Response to COVID-19 (230KB) ●History of SMBC Group (248KB) ●Financial Highlights (101KB) ●ESG Highlights (625KB) ●SMBC Group’s Value Creation Process (988KB)
To Our Stakeholders	●Message from the Group CEO (879KB) ●Core Policy of the new Medium-Term Management Plan (176KB) ●Break the Mold (367KB) ●Message from the Group CFO (488KB) ●The Impact of COVID-19 (152KB) ●Round-Table Discussion with Outside Directors (472KB)
Business Strategies for Creating Value	●Group Structure (771KB) ●Retail Business Unit (374KB) ●Wholesale Business Unit (377KB) ●Global Business Unit (405KB) ●Global Markets Business Unit (328KB)
Corporate Infrastructure Supporting Value Creation	●Corporate Governance (1,416KB) ●SMBC Group Global Advisors (526KB) ●Sumitomo Mitsui Financial Group Directors (608KB) ●Sustainability Management (1,378KB) ●Customer-Oriented Initiatives (310KB) ●Internal Audit (372KB) ●Risk Management (316KB) ●Compliance (319KB) ●Human Resources Strategy (521KB) ●IT Strategies (455KB) ●Communication with Stakeholders (955KB) ●Financial Review (205KB)
●SMBC Group Supports the Olympic and Paralympic Games Tokyo 2020.(426KB)

Appendix Ⅰ

●Contents (46KB)
●Group Companies (231KB)
●Risk Management (173KB)
●Internal Reporting Systems and Hotline for Inappropriate Accounting and Auditing Activities (53KB)
●Basic Policy for Customer-Oriented Business Conduct (66KB)
●Support for Mid-Sized Corporations and SMEs, Vitalization of Local Regions in Japan (75KB)
●Employees (92KB)
●Main Work-Life Balance Support System (56KB)
Corporate Data
	Sumitomo Mitsui Financial Group	●Directors and Executive Officers (82KB) ●Sumitomo Mitsui Financial Group Organization (59KB)
	Sumitomo Mitsui Banking Corporation	●Board of Directors, Directors, Members of the Audit and Supervisory Committee and Executive Officers (72KB) ●SMBC Organization (79KB)
	●Principal Subsidiaries and Affiliates/Principal Domestic Subsidiaries (82KB) ●Principal Overseas Subsidiaries (67KB) ●Principal Affiliates (57KB) ●International Directory (252KB)

Appendix II

●Contents (103KB)
Financial Data
	Sumitomo Mitsui Financial Group	●Financial Highlights (112KB) ●Consolidated Balance Sheets (125KB) ●Consolidated Statements of Income (124KB) ●Consolidated Statements of Comprehensive Income (104KB) ●Consolidated Statements of Changes in Net Assets (140KB) ●Consolidated Statements of Cash Flows (126KB) ●Notes to Consolidated Financial Statements (662KB) ●Independent Auditor’s Report (276KB)
	Sumitomo Mitsui Banking Corporation	●Supplemental Information (168KB)
	Sumitomo Mitsui Financial Group	●Income Analysis (Consolidated) (138KB) ●Assets and Liabilities (Consolidated) (133KB) ●Capital (Non-consolidated) (131KB)
Basel Ⅲ Information
Basel Ⅲ Information	Sumitomo Mitsui Financial Group	●Capital Ratio and Leverage Ratio Information (Consolidated) (945KB) ●Countercyclical buffer requirement by country or region (142KB) ●Indicators for assessing Global Systemically Important Banks (G-SIBs) (166KB) ●TLAC information (185KB) ●Liquidity Coverage Ratio Information (Consolidated) (157KB)
Financial Data
Financial Data	Sumitomo Mitsui Banking Corporation	●Financial Highlights (102KB) ●Income Analysis (Consolidated) (127KB) ●Assets and Liabilities (Consolidated) (127KB) ●Income Analysis (Non-consolidated) (174KB) ●Deposits (Non-consolidated) (111KB) ●Loans (Non-consolidated) (165KB) ●Securities (Non-consolidated) (125KB) ●Ratios (Non-consolidated) (134KB) ●Capital (Non-consolidated) (112KB) ●Others (Non-consolidated) (124KB) ●Trust Assets and Liabilities (Non-consolidated) (113KB)
Basel Ⅲ Information
	Sumitomo Mitsui Banking Corporation	●Capital Ratio and Leverage Ratio Information (Consolidated) (203KB) ●Liquidity Coverage Ratio Information (Consolidated) (154KB) ●Capital Ratio and Leverage Ratio Information (Non-consolidated) (220KB) ●Liquidity Coverage Ratio Information (Non-consolidated) (154KB)
	Sumitomo Mitsui Financial Group	●Glossary (119KB)
Compensation
	Sumitomo Mitsui Financial Group	●Compensation (173KB)
	Sumitomo Mitsui Banking Corporation	●Compensation (167KB)