2021 Annual Report (FY2020)

●Our Group Mission, Vision, and Values (207KB)
●Editorial Policy / Contents (168KB)
About SMBC Group	●History of SMBC Group (243KB) ●Financial Highlights (130KB) ●ESG Highlights (326KB) ●SMBC Group’s Value Creation Process (250KB)
To Our Stakeholders	●Message from the Group CEO (323KB) ●Message from the Group CFO (213KB) ●Round-TableDiscussion with Outside Directors (324KB) ●Core Policy of the Medium-Term Management Plan (FY2020–FY2022) (155KB) ●Response to COVID-19 (192KB)
Business Strategies for Creating Value	●Group Structure (268KB) ●Retail Business Unit (379KB) ●Wholesale Business Unit (412KB) ●Global Business Unit (487KB) ●Global Markets Business Unit (356KB) ●Special Features : SMBC Group’s Digital Strategies Transcending Finance
Corporate Infrastructure Supporting Value Creation	●Corporate Governance (335KB) ●SMBC Group Global Advisors / SMBC Group Technology Advisors (237KB) ●Sumitomo Mitsui Financial Group Directors (351KB) ●Initiatives to Realize Sustainability (715KB) ●Customer-Oriented Initiatives (332KB) ●Internal Audit (205KB) ●Risk Management (205KB) ●Compliance (119KB) ●Human Resources Strategy (199KB) ●IT Strategy (245KB) ●Communication with Stakeholders (331KB) ●Financial Review (245KB) ●ESG Information (257KB)-
●SMBC Group’s Support of the Olympic and Paralympic Games Tokyo 2020 (89KB)

Appendix Ⅰ

●Contents (37KB)
●Group Companies (321KB)
●Risk Management (233KB)
●Internal Reporting Systems and Hotline for Inappropriate Accounting and Auditing Activities (45KB)
●Basic Policy for Customer-Oriented Business Conduct (57KB)
●Support for Mid-Sized Corporations and SMEs, Vitalization of Local Regions in Japan (70KB)
●Employees (81KB)
●Main Work-Life Balance Support System (47KB)
Corporate Data
	Sumitomo Mitsui Financial Group	●Directors and Executive Officers (73KB) ●Sumitomo Mitsui Financial Group Organization (60KB)
	Sumitomo Mitsui Banking Corporation	●Board of Directors, Directors, Members of the Audit and Supervisory Committee and Executive Officers (63KB) ●SMBC Organization (83KB)
	●Principal Subsidiaries and Affiliates / Principal Domestic Subsidiaries (73KB) ●Principal Overseas Subsidiaries (54KB) ●Principal Affiliates (45KB) ●International Directory (256KB)

Appendix II

●Contents (103KB)
Financial Data
	Sumitomo Mitsui Financial Group	●Financial Highlights (950KB) ●Consolidated Balance Sheets (104KB) ●Consolidated Statements of Income (103KB) ●Consolidated Statements of Comprehensive Income (87KB) ●Consolidated Statements of Changes in Net Assets (107KB) ●Consolidated Statements of Cash Flows (104KB) ●Notes to Consolidated Financial Statements (403KB) ●Independent Auditor’s Report (290KB) ●Income Analysis (Consolidated) (117KB) ●Assets and Liabilities (Consolidated) (112KB) ●Capital (Non-consolidated) (106KB)
Basel Ⅲ Information
	Sumitomo Mitsui Financial Group	●Capital Ratio and Leverage Ratio Information (Consolidated) (620KB) ●Countercyclical buffer requirement by country or region (123KB) ●Indicators for assessing Global Systemically Important Banks (G-SIBs) (139KB) ●TLAC information (153KB) ●Liquidity Coverage Ratio Information (Consolidated) (134KB)
Financial Data
	Sumitomo Mitsui Banking Corporation	●Financial Highlights (91KB) Financial Statements ●Consolidated Balance Sheets (94KB) ●Consolidated Statements of Income and Consolidated Statements of Comprehensive Income (100KB) ●Non-consolidated Balance Sheets (89KB) ●Non-consolidated Statements of Income (88KB) ●Income Analysis (Non-consolidated) (139KB) ●Deposits (Non-consolidated) (103KB) ●Loans (Non-consolidated) (129KB) ●Securities (Non-consolidated) (102KB) ●Ratios (Non-consolidated) (103KB) ●Capital (Non-consolidated) (94KB) ●Others (Non-consolidated) (101KB) ●Trust Assets and Liabilities (Non-consolidated) (95KB)
Basel Ⅲ Information
	Sumitomo Mitsui Banking Corporation	●Capital Ratio and Leverage Ratio Information (Consolidated) (178KB) ●Liquidity Coverage Ratio Information (Consolidated) (132KB) ●Capital Ratio and Leverage Ratio Information (Non-consolidated) (173KB) ●Liquidity Coverage Ratio Information (Non-consolidated)(132KB)
	Sumitomo Mitsui Financial Group	●Glossary (98KB)
Compensation
	Sumitomo Mitsui Financial Group	●Compensation (Consolidated) (145KB)
	Sumitomo Mitsui Banking Corporation	●Compensation (151KB)