2024 Annual Report (FY2023) | Sumitomo Mitsui Financial Group

●MISSION&VISION&FIVE VALUE ●Editorial Policy ●Contents ●SMBC GROUP REPORT 2025 Highlight ●Financial Highlights / Non-Financial Highlights ●Source of SMBC Group’s Competitiveness
Management Messages	●Message from Group CEO ●Message from group CFO
Value Creation Story	●SMBC Group's Value Creation Process ●Group Structure ●Communication with Stakeholders ●Materiality ●Round-Table Discussion with Outside Directors ●Human Resource Strategies
Create Social Value / Pursue Economic Value	●Accelerating the SMBC Group’s Social Value Creation Initiatives Through Full Participation ●Creation of Social Value by SMBC Group Strategies of Business Units ●Retail Business Unit ●Wholesale Business Unit ●Global Business Unit ●Global Markets Business Unit ●Digital Strategy ●Asset Management Strategy
Rebuild Corporate Infrastructure	●Corporate Governance ●Messages from Group CRO and GroupCCO ●Risk Management ●Compliance ●Customer-Oriented Initiatives ●IT Governance ●Cybersecurity ●Message from Group CAE ●Internal Audit ●External Advisors ●Initiatives for Expo 2025 ●Financial Review ●Sustainability Information

Appendix Ⅰ

●Contents
●Group Companies
●Risk Management
●Internal Reporting Systems and Hotline for Inappropriate Accounting and Auditing Activities
●The Basic Policy for Customer-Oriented Business Conduct
●Support for Mid-Sized Corporations and SMEs, Vitalization of Local Regions in Japan
●Employees
●Main Work-Life Balance Support System
Corporate Data
	Sumitomo Mitsui Financial Group, Inc.	●Directors and Executive Officers ●Sumitomo Mitsui Financial Group Organization
	Sumitomo Mitsui Banking Corporation	● Directors, Members of the Audit and Supervisory Committee and Executive Officers ●SMBC Organization ●Principal Subsidiaries and Affiliates ●International Directory

●Contents
Financial Data(※)
	Sumitomo Mitsui Financial Group	●Financial Highlights
Basel Ⅲ Information
	Sumitomo Mitsui Financial Group	●Capital Ratio and Leverage Ratio Information (Consolidated) ●Countercyclical buffer requirement by country or region ●Indicators for assessing Global Systemically Important Banks (G-SIBs) ●TLAC information ●Liquidity Coverage Ratio Information (Consolidated) ●Net Stable Funding Ratio Information (Consolidated)
Financial Data(※)
	SMBC	●Financial Highlights
Basel Ⅲ Information
	SMBC	●Capital Ratio and Leverage Ratio Information (Consolidated) ●Liquidity Coverage Ratio Information (Consolidated) ●Net Stable Funding Ratio Information (Consolidated) ●Capital Ratio and Leverage Ratio Information (Non-consolidated) ●Liquidity Coverage Ratio Information (Non-consolidated) ●Net Stable Funding Ratio Information (Non-consolidated)
	Sumitomo Mitsui Financial Group	●Glossary
Compensation	Sumitomo Mitsui Financial Group	●Compensation (Consolidated)
	SMBC	●Compensation