2024 Annual Report (FY2023)

●Editorial Policy / Contents (103KB)
Management Messages	●A History of Standing Side-by-Side with Customers and Society (284KB) ●Message from Group CEO (571KB) ●Interview with Chairperson of the Nomination Committee (156KB) ●Pursuing Further Growth based on the Foundation Laid by Former Group CEO Ohta (468KB) ●Message from Group CFO (353KB)
Value Creation Story	●SMBC Group's Value Creation Process (237KB) ●Group Structure (84KB) ●Communication with Stakeholders (111KB) ●Financial / Non-Financial Highlights (673KB) ●Round-Table Discussion with Outside Directors (641KB) ●Human Resource Strategies (571KB)
Create Social Value / Pursue Economic Value	●Become a Leading Company in Creating Social Value (204KB) ●The Vision We Seek through Creation of Social Value (1,829KB) Strategies of Business Units ●Retail Business Unit（430KB） ●Wholesale Business Unit（284KB） ●Global Business Unit（516KB） ●Global Markets Business Unit（308KB） ●Creating Social Value through Digital (671KB) Special Content ●Special Content 1 Multi-Franchise Strategy（1,399KB） ●Special Content 2 Evolving Olive（424KB） ●Special Content 3 Well-Timed Capital Funding（483KB） ●Aiming to Make the Leap to Asset Management Solutions Provider (294KB)
Rebuild Corporate Infrastructure	●Corporate Governance (1,130KB) ●Risk Management (274KB) ●Compliance (154KB) ●Customer-Oriented Initiatives (266KB) ●Response to Administrative Actions and Efforts to Prevent Recurrence (92KB) ●IT Governance (193KB) ●Cybersecurity (101KB) ●Internal Audit (115KB) ●Sustainability information (328KB) ●Financial Review (142KB)

Appendix Ⅰ

●Contents (77KB)
●Group Companies (265KB)
●Risk Management (270KB)
●Internal Reporting Systems and Hotline for Inappropriate Accounting and Auditing Activities (57KB)
●Basic Policy for Customer-Oriented Business Conduct (67KB)
●Support for Mid-Sized Corporations and SMEs, Vitalization of Local Regions in Japan (73KB)
●Employees (85KB)
●Main Work-Life Balance Support System (47KB)
Corporate Data
	Sumitomo Mitsui Financial Group, Inc.	●Directors and Executive Officers (90KB) ●Sumitomo Mitsui Financial Group Organization (54KB)
	Sumitomo Mitsui Banking Corporation	●Board of Directors, Directors, Members of the Audit and Supervisory Committee and Executive Officers (94KB) ●SMBC Organization (80KB)
	●Principal Subsidiaries and Affiliates / Principal Domestic Subsidiaries (75KB) ●Principal Overseas Subsidiaries (83KB) ●Principal Affiliates (48KB) ●International Directory (355KB)

Appendix II

●Contents (92KB)
Financial Data(※)
	Sumitomo Mitsui Financial Group	●Financial Highlights (129KB)
Basel Ⅲ Information
	Sumitomo Mitsui Financial Group	●Capital Ratio and Leverage Ratio Information (Consolidated) (1,247KB) ●Countercyclical buffer requirement by country or region (124KB) ●Indicators for assessing Global Systemically Important Banks (G-SIBs) (157KB) ●TLAC information (177KB) ●Liquidity Coverage Ratio Information (Consolidated) (142KB) ●Net Stable Funding Ratio Information (Consolidated) (145KB)
Financial Data(※)
	SMBC	●Financial Highlights (120KB)
Basel Ⅲ Information
	SMBC	●Capital Ratio and Leverage Ratio Information (Consolidated) (269KB) ●Liquidity Coverage Ratio Information (Consolidated) (142KB) ●Net Stable Funding Ratio Information (Consolidated) (144KB) ●Capital Ratio and Leverage Ratio Information (Non-consolidated) (256KB) ●Liquidity Coverage Ratio Information (Nonconsolidated) (143KB) ●Net Stable Funding Ratio Information (Nonconsolidated) (144KB)
	Sumitomo Mitsui Financial Group	●Glossary (108KB)
Compensation	Sumitomo Mitsui Financial Group	●Compensation (Consolidated) (174KB)
	SMBC	●Compensation (193KB)

(※) Financial Data excerpt from Securities Report

Sumitomo Mitsui Financial Group

Consolidated Financial Statements (832KB)

Income Analysis (Consolidated) (425KB)

Assets and Liabilities (Consolidated) (231KB)

Capital (Non-consolidated) (183KB)

Sumitomo Mitsui Banking Corporation

Consolidated Financial Statements (2,092KB)