2023 Annual Report (FY2022)

●Editorial Policy / Contents (127KB)
Value creation at SMBC Group	●A History of Standing Side-by-Side with Customers and Society (156KB) ●MISSION & VISION & FIVE VALUES (124KB) ●Message from Group CEO (308KB) ●SMBC Group’s Value Creation Process (193KB) ●Core Policies of the Medium-Term Management Plan(FY2023 - FY2025) (191KB) ●Communication with Stakeholders (9,700KB) ●Message from Group CFO (213KB) ●Response to Administrative Actions and Efforts to Prevent Recurrence (111KB) ●Round-Table Discussion with Outside Directors (201KB)
Business Strategies for Creating Value	●Group Structure (173KB) ●Retail Business Unit (243KB) ●Wholesale Business Unit (198KB) ●Global Business Unit (188KB) ●Global Markets Business Unit (182KB) ●Using Digital to Create the Future of Finance (285KB) ●Key Measures to Drive SMBC Group’s Future Growth (1,120KB) ●Creating Social Value to Achieve Sustainability (964KB) ●Human Resource Strategies to Support Value Creation (237KB) ●People who Embody Our Five Values (398KB)
Corporate Infrastructure Supporting Value Creation	●Corporate Governance (450B) ●Risk Management (155KB) ●Compliance (77KB) ●Customer-Oriented Initiatives (151KB) ●IT Governance (59KB) ●Cybersecurityc (107KB) ●Internal Audit (69KB) ●ESG Information (175KB) ●Financial Review (155KB)

Appendix Ⅰ

●Contents (31KB)
●Group Companies (243KB)
●Risk Management (235KB)
●Internal Reporting Systems and Hotline for Inappropriate Accounting and Auditing Activities (36KB)
●Basic Policy for Customer-Oriented Business Conduct (54KB)
●Support for Mid-Sized Corporations and SMEs, Vitalization of Local Regions in Japan (64KB)
●Employees (72KB)
●Main Work-Life Balance Support System (40KB)
Corporate Data
	Sumitomo Mitsui Financial Group, Inc.	●Directors and Executive Officers (70KB) ●Sumitomo Mitsui Financial Group Organization (50KB)
	Sumitomo Mitsui Banking Corporation	●Board of Directors, Directors, Members of the Audit and Supervisory Committee and Executive Officers (65KB) ●SMBC Organization (73KB)
	●Principal Subsidiaries and Affiliates / Principal Domestic Subsidiaries (67KB) ●Principal Overseas Subsidiaries (48KB) ●Principal Affiliates (46KB) ●International Directory (263KB)

Appendix II

●Contents (82KB)
Financial Data(※)
	Sumitomo Mitsui Financial Group	●Financial Highlights (90KB)
Basel Ⅲ Information
	Sumitomo Mitsui Financial Group	●Capital Ratio and Leverage Ratio Information (Consolidated) (1,020KB) ●Countercyclical buffer requirement by country or region (116KB) ●Indicators for assessing Global Systemically Important Banks (G-SIBs) (140KB) ●TLAC information (163KB) ●Liquidity Coverage Ratio Information (Consolidated) (131KB) ●Net Stable Funding Ratio Information (Consolidated) (132KB)
Financial Data(※)
	SMBC	●Financial Highlights (92KB)
Basel Ⅲ Information
	SMBC	●Capital Ratio and Leverage Ratio Information (Consolidated) (222KB) ●Liquidity Coverage Ratio Information (Consolidated) (131KB) ●Net Stable Funding Ratio Information (Consolidated) (132KB) ●Capital Ratio and Leverage Ratio Information (210KB) ●Liquidity Coverage Ratio Information (Nonconsolidated) (131KB) ●Net Stable Funding Ratio Information (Nonconsolidated) (132KB)
	Sumitomo Mitsui Financial Group	●Glossary (97KB)
Compensation	Sumitomo Mitsui Financial Group	●Compensation (Consolidated) (154KB)
	SMBC	●Compensation (176KB)

(※) Financial Data excerpt from Securities Report

Sumitomo Mitsui Financial Group

Consolidated Financial Statements (2,577KB)

Income Analysis (Consolidated) (680KB)

Assets and Liabilities (Consolidated) (654KB)

Capital (Non-consolidated) (548KB)

Sumitomo Mitsui Banking Corporation

Consolidated Financial Statements (1,791KB)