UNITED STATES SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 6-K

REPORT OF FOREIGN PRIVATE ISSUER

PURSUANT TO RULE 13a-16 OR 15d-16 OF THE

SECURITIES EXCHANGE ACT OF 1934

For the month of May 2012

Commission File Number 001-34919

SUMITOMO MITSUI FINANCIAL GROUP, INC.

(Translation of registrant’s name into English)

1-2, Marunouchi 1-chome, Chiyoda-ku, Tokyo 100-0005, Japan

(Address of principal executive offices)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F:	Form 20-F  x	Form 40-F  ¨
Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1):	¨
Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7):	¨
Indicate by check mark whether by furnishing the information contained in this Form, the registrant is also thereby furnishing the information to the Commission pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934.	Yes  ¨	No  x
*If “Yes” is marked, indicate below the file number assigned to the registrant in connection with Rule 12g3-2(b):	82-

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

Sumitomo Mitsui Financial Group, Inc.
By:	/s/ Haruyuki Nagata
	Name:    Haruyuki Nagata
	Title:      General Manager, Financial Accounting Dept.

Date:    May 15, 2012

Financial Results

Fiscal Year 3/2012

-Supplementary Information-

Sumitomo Mitsui Financial Group, Inc.

Sumitomo Mitsui Banking Corporation

Table of Contents

						Page
Financial Highlights for FY3/2012
	1.	Income Analysis	Consolidated	Non-consolidated	…	1
	2.	Banking Profit per Employee / Overhead Ratio		Non-consolidated	…	3
	3.	Interest Spread (Domestic)		Non-consolidated	…	3
	4.	Gains (Losses) on Securities		Non-consolidated	…	3
	5.	Unrealized Gains (Losses) on Securities	Consolidated	Non-consolidated	…	4
	6.	Balance of Securities, Classified by Maturity		Non-consolidated	…	5
	7.	Overview of Derivative Transactions (on Deferred Hedge Accounting Basis)		Non-consolidated	…	5
	8.	Employee Retirement Benefits	Consolidated	Non-consolidated	…	6
	9.	BIS Capital Ratio	Consolidated	Non-consolidated	…	7
	10.	ROE	Consolidated		…	7
	11.	Balance of Problem Assets, Classified by Financial Reconstruction Law and Self-Assessment, and Write-Offs / Reserves		Non-consolidated	…	8
	12.	Risk-Monitored Loans	Consolidated	Non-consolidated	…	9
	13.	Reserve for Possible Loan Losses and Reserve Ratio	Consolidated	Non-consolidated	…	9
	14.	Problem Assets Based on the Financial Reconstruction Law and the Coverage	Consolidated	Non-consolidated	…	10
	15.	Results of Off-Balancing of Problem Assets		Non-consolidated	…	11
	16.	Loan Portfolio, Classified by Industry		Non-consolidated	…	12
	17.	Loan Portfolio, Classified by Country		Non-consolidated	…	14
	18.	Balance of Deposits and Loans		Non-consolidated	…	15
	19.	Number of Directors and Employees		Non-consolidated	…	16
	20.	Number of Offices		Non-consolidated	…	16
	21.	Deferred Tax Assets	Consolidated	Non-consolidated	…	17
	22.	Earnings Forecast for FY3/2013	Consolidated	Non-consolidated	…	19
	(Reference 1) FY3/2012 Performance and FY3/2013 Management Policy				…	20
	(Reference 2) Exposure to Securitized Products				…	21
	(Reference 3) Financial Statements of SMBC				…	23

Notes	1.	Consolidated: Consolidated figures of Sumitomo Mitsui Financial Group, Inc. (“SMFG”)
	2.	Non-consolidated: Non-consolidated figures of Sumitomo Mitsui Banking Corporation (“SMBC”)

This document contains “forward-looking statements” (as defined in the U.S. Private Securities Litigation Reform Act of 1995), regarding the intent, belief or current expectations of us and our managements with respect to our future financial condition and results of operations. In many cases but not all, these statements contain words such as “anticipate”, “estimate”, “expect”, “intend”, “may”, “plan”, “probability”, “risk”, “project”, “should”, “seek”, “target” and similar expressions. Such forward-looking statements are not guarantees of future performance and involve risks and uncertainties, and actual results may differ from those expressed in or implied by such forward-looking statements contained or deemed to be contained herein. The risks and uncertainties which may affect future performance include the fragility of any economic recovery, both globally and in Japan; our ability to successfully implement its business and capital strategy; the success of our business alliances including those in the consumer finance industry; exposure to new risks as we expand the scope of our business; significant credit-related costs; declines in the value of our securities portfolio. Given these and other risks and uncertainties, you should not place undue reliance on forward-looking statements, which speak only as of the date of this document. We undertake no obligation to update or revise any forward-looking statements. Please refer to our most recent disclosure documents such as our annual report or the registration statement on Form 20-F and other documents submitted to the U.S. Securities and Exchange Commission, as well as our earnings press releases for a more detailed description of the risks and uncertainties that may affect our financial conditions, our operating results, and investors’ decisions.

(Sumitomo Mitsui Financial Group)

Financial Highlights for FY3/2012

1. Income Analysis

SMBC non-consolidated								(Millions of yen)
				FY3/2012				FY3/2011
						Change
Gross banking profit			1		1,532,511		752	1,531,759
Excluding gains (losses) on bonds			2		1,379,974		(4,664)	1,384,638
	Gross domestic profit		3		1,097,760		(16,569)	1,114,329
	Excluding gains (losses) on bonds		4		1,074,567		(11,374)	1,085,941
		Net interest income	5		849,250		(18,334)	867,584
		Trust fees	6		1,716		(583)	2,299
		Net fees and commissions	7		215,129		6,321	208,808
		Net trading income	8		5,112		4,172	940
		Net other operating income	9		26,550		(8,146)	34,696
		Gains (losses) on bonds	10		23,192		(5,196)	28,388
	Gross international profit		11		434,750		17,321	417,429
	Excluding gains (losses) on bonds		12		305,406		6,709	298,697
		Net interest income	13		107,627		7,387	100,240
		Net fees and commissions	14		103,778		9,920	93,858
		Net trading income	15		78,938		(71,191)	150,129
		Net other operating income	16		144,406		71,206	73,200
		Gains (losses) on bonds	17		129,343		10,611	118,732
Expenses (excluding non-recurring losses)			18		(719,495)		(20,298)	(699,197)
	Personnel expenses		19		(259,782)		(9,940)	(249,842)
	Non-personnel expenses		20		(422,854)		(11,383)	(411,471)
	Taxes		21		(36,858)		1,025	(37,883)
Banking profit (before provision for         general reserve for possible loan losses)			22		813,015		(19,547)	832,562
Excluding gains (losses) on bonds			23		660,478		(24,963)	685,441
Provision for general reserve for possible loan losses			24		43,780		31,445	12,335
Banking profit			25		856,796		11,899	844,897
	Gains (losses) on bonds		26		152,536		5,416	147,120
Non-recurring gains (losses)			27		(161,453)		87,740	(249,193)
	Credit costs		28		(103,662)		3,998	(107,660)
	Recoveries of written-off claims		29		1,234		1,234	-
	Gains (losses) on stocks		30		(15,153)		72,132	(87,285)
		Gains on sale of stocks and other securities	31		20,562		(1,109)	21,671
		Losses on sale of stocks and other securities	32		(7,074)		(5,470)	(1,604)
		Losses on devaluation of stocks and other securities	33		(28,642)		78,711	(107,353)
	Other non-recurring gains (losses)		34		(43,871)		10,376	(54,247)
Ordinary profit			35		695,342		99,638	595,704
Extraordinary gains (losses)			36		(3,349)		3,515	(6,864)
	Gains (losses) on disposal of fixed assets		37		(717)		1,619	(2,336)
	Losses on impairment of fixed assets		38		(2,632)		1,656	(4,288)
	Recoveries of written-off claims		39		-		(1,055)	1,055
Income before income taxes			40		691,992		103,153	588,839
Income taxes - current			41		(44,703)		(2,317)	(42,386)
Income taxes - deferred			42		(169,315)		(44,042)	(125,273)
Net income			43		477,973		56,793	421,180
Total credit cost (24+28+29+39)			44		(58,647)		35,622	(94,269)
	Provision for general reserve for possible loan losses		45		43,780		31,445	12,335
	Write-off of loans		46		(15,797)		54,978	(70,775)
	Provision for specific reserve for possible loan losses		47		(59,196)		(32,092)	(27,104)
	Losses on sales of delinquent loans		48		(28,767)		(19,074)	(9,693)
	Provision for loan loss reserve for specific overseas countries		49		98		185	(87)
	Recoveries of written-off claims		50		1,234		179	1,055

Notes    1.	Amounts less than 1 million yen are rounded down. Figures in parenthesis indicate the amount of loss or decrease.
2.	“Recoveries of written-off claims” which were included in “Extraordinary gains (losses)” are included in “Non-recurring gains (losses)” since the fiscal year beginning on or after April 1, 2011.

- 1 -

(Sumitomo Mitsui Financial Group)

Consolidated (Millions of yen)

			FY3/2012				FY3/2011
					Change
Consolidated gross profit		1	2,594,482		89,752		2,504,730
	Net interest income	2	1,341,369		23,718		1,317,651
	Trust fees	3	1,770		(565	)	2,335
	Net fees and commissions	4	823,580		57,350		766,230
	Net trading income	5	198,192		(38,901	)	237,093
	Net other operating income	6	229,568		48,149		181,419
General and administrative expenses		7	(1,421,363	)	(66,041	)	(1,355,322)
Credit costs		8	(126,055	)	94,107		(220,162)
	Write-off of loans	9	(90,305	)	66,266		(156,571)
	Provision for specific reserve for possible loan losses	10	(111,227	)	(47,653	)	(63,574)
	Provision for general reserve for possible loan losses	11	106,512		91,593		14,919
	Other credit costs	12	(31,035	)	(16,100	)	(14,935)
Recoveries of written-off claims		13	4,800		4,800		-
Gains (losses) on stocks		14	(27,880	)	64,069		(91,949)
Equity in earnings (losses) of affiliates		15	(31,122	)	(17,803	)	(13,319)
Other income (expenses)		16	(57,289	)	(58,741	)	1,452
Ordinary profit		17	935,571		110,143		825,428
Extraordinary gains (losses)		18	17,395		15,511		1,884
	Gains on step acquisitions	19	25,050		12,395		12,655
	Losses on impairment of fixed assets	20	(3,861	)	1,550		(5,411)
	Recoveries of written-off claims	21	-		(2,813	)	2,813
Income before income taxes and minority interests		22	952,966		125,653		827,313
Income taxes - current		23	(103,478	)	(6,032	)	(97,446)
Income taxes - deferred		24	(207,860	)	(64,535	)	(143,325)
Income before minority interests		25	641,627		55,085		586,542
Minority interests in net income		26	(123,090	)	(12,444	)	(110,646)
Net income		27	518,536		42,641		475,895
Notes	1. Consolidated gross profit = (Interest income - Interest expenses) + Trust fees + (Fees and commissions - Fees and commissions payments) + (Trading income - Trading losses) + (Other operating income - Other operating expenses)
	2. “Recoveries of written-off claims” which were included in “Extraordinary gains (losses)” are included in “Ordinary profit” since the fiscal year beginning on or after April 1, 2011.
Total credit cost (8+13+21)		28	(121,255	)	96,093		(217,348)
(Reference)			(Billions of yen)
Consolidated net business profit		29	1,013.9		11.9		1,002.0
Note	Consolidated net business profit = (SMBC’s non-consolidated banking profit (before provision for general reserve for possible loan losses))
	+ (Other consolidated subsidiaries’ ordinary profit (excluding non-recurring items)) + (Affiliates’ ordinary profit) X (Ownership ratio)
	- (Internal transactions (dividends, etc.))
	(Number of consolidated subsidiaries and affiliates)
			Mar. 31, 2012		Change		Mar. 31, 2011
	Consolidated subsidiaries	30	337		10		327
	Equity method affiliates	31	43		(4	)	47

- 2 -

(Sumitomo Mitsui Financial Group)

2. Banking Profit per Employee / Overhead Ratio

     SMBC non-consolidated (Millions of yen, %)

		FY3/2012					FY3/2011
				Change
(1) Banking profit (before provision for general reserve for possible loan losses)			813,015		(19,547	)		832,562
	Per employee (thousands of yen)		35,140		(1,129	)		36,269
(2) Banking profit			856,796		11,899			844,897
	Per employee (thousands of yen)		37,033		227			36,806
(3) Banking profit (before provision for general reserve for possible loan losses, excluding gains (losses) on bonds)			660,478		(24,963	)		685,441
	Per employee (thousands of yen)		28,547		(1,313	)		29,860
Overhead ratio			46.9		1.3			45.6

Notes	1.	Employees include executive officers (other than board members) and overseas local staff, and exclude temporary staff, employees temporarily transferred from other companies, and transferred staff to other companies.
	2.	Banking profit per employee is calculated on the basis of the average number of employees during the period.
	3.	Overhead ratio = Expenses (excluding non-recurring losses) / Gross banking profit

3. Interest Spread (Domestic)

     SMBC non-consolidated (%)

			FY3/2012						FY3/2011
					Six Months ended Sep. 30, 2011		Six Months ended Mar. 31, 2012
Yield on interest earning assets (A)				1.15		1.17		1.13		1.27
	Interest earned on loans and bills discounted (C)			1.58		1.57		1.58		1.65
	Interest earned on securities			0.55		0.58		0.52		0.66
Total cost of funding (including expenses) (B)				0.90		0.89		0.90		0.97
	Cost of interest bearing liabilities			0.12		0.12		0.11		0.15
		Interest paid on deposits, etc. (D)		0.06		0.06		0.05		0.09
		Interest paid on other liabilities		0.19		0.19		0.19		0.26
	Expense ratio			0.78		0.77		0.79		0.82
Overall interest spread (A) - (B)				0.25		0.28		0.23		0.30
	Interest spread (C) - (D)			1.52		1.51		1.53		1.56

4. Gains (Losses) on Securities

     SMBC non-consolidated (Millions of yen)

		FY3/2012						FY3/2011
					Change
Gains (losses) on bonds			152,536			5,416			147,120
	Gains on sales		169,117			(31,361	)		200,478
	Losses on sales		(10,888	)		35,276			(46,164	)
	Gains on redemption		0			-			0
	Losses on redemption		(5,692	)		1,502			(7,194	)
	Losses on devaluation		-			-			-
Gains (losses) on stocks			(15,153	)		72,132			(87,285	)
	Gains on sales		20,562			(1,109	)		21,671
	Losses on sales		(7,074	)		(5,470	)		(1,604	)
	Losses on devaluation		(28,642	)		78,711			(107,353	)

- 3 -

(Sumitomo Mitsui Financial Group)

5. Unrealized Gains (Losses) on Securities

SMBC non-consolidated											(Millions of yen)
			Mar. 31, 2012							Mar. 31, 2011
			Balance sheet amount	Net unrealized gains (losses)						Balance sheet amount	Net unrealized gains (losses)
								Gains	Losses				Gains	Losses
				(a)		(a) - (b)					(b)
	Held-to-maturity purpose		5,163,764	67,902		8,972		67,993	90	4,071,733	58,930		60,394	1,463
	Stocks of subsidiaries and affiliates		2,324,041	(21,499	)	6,449		622	22,122	2,228,437	(27,948	)	521	28,470
	Other securities		35,440,979	388,982		83,361		672,572	283,590	33,980,684	305,621		662,003	356,382
		Stocks	2,250,672	228,453		(47,015	)	466,871	238,418	2,338,455	275,468		468,639	193,170
		Bonds	26,306,672	104,356		32,425		109,504	5,148	24,303,221	71,931		99,888	27,956
		Others	6,883,634	56,172		97,950		96,196	40,024	7,339,007	(41,778	)	93,476	135,254
	Other money held in trust		5,805	(46	)	(88	)	-	46	8,875	42		42	-
	Total		42,934,589	435,338		98,692		741,188	305,850	40,289,730	336,646		722,962	386,315
		Stocks	3,472,964	217,149		(44,140	)	467,494	250,345	3,494,297	261,289		469,161	207,871
		Bonds	31,470,436	172,259		41,398		177,497	5,238	28,374,954	130,861		160,282	29,420
		Others	7,991,189	45,930		101,435		96,196	50,266	8,420,478	(55,505	)	93,518	149,023

(Reference) Outstanding balance and amount sold of stocks in Other securities

			(Billions of yen)		(Billions of yen)
	Mar. 31, 2012		Mar. 31, 2011			FY3/2012
Balance sheet amount		2,250.7		2,338.5	Amount sold		Approx. 19.0
Acquisition cost		2,022.2		2,063.0

Consolidated											(Millions of yen)
			Mar. 31, 2012							Mar. 31, 2011
			Balance sheet amount	Net unrealized gains (losses)						Balance sheet amount	Net unrealized gains (losses)
								Gains	Losses		(b)		Gains	Losses
				(a)		(a) - (b)
	Held-to-maturity purpose		5,286,267	69,184		9,327		69,288	103	4,189,272	59,857		61,389	1,531
	Other securities		37,558,730	474,984		104,085		746,928	271,943	35,972,442	370,899		720,864	349,965
		Stocks	2,406,170	271,461		(40,495	)	490,074	218,613	2,486,258	311,956		487,773	175,817
		Bonds	27,684,484	111,815		35,045		118,164	6,348	25,560,012	76,770		108,640	31,870
		Others	7,468,076	91,708		109,535		138,689	46,981	7,926,170	(17,827	)	124,449	142,277
	Other money held in trust		22,430	(46	)	(88	)	-	46	22,569	42		42	-
	Total		42,867,429	544,122		113,323		816,216	272,093	40,184,285	430,799		782,295	351,496
		Stocks	2,406,170	271,461		(40,495	)	490,074	218,613	2,486,258	311,956		487,773	175,817
		Bonds	32,957,653	180,998		44,359		187,444	6,445	29,734,790	136,639		170,021	33,382
		Others	7,503,605	91,662		109,458		138,697	47,034	7,963,235	(17,796	)	124,500	142,297

Notes	1.	The figures above include negotiable certificates of deposit in “Cash and due from banks” and beneficiary claims on loan trust in “Monetary claims bought.”
	2.	Stocks within Other securities and foreign stocks within Others of Other securities are valuated with the average market price during the final month of the fiscal year. Rest of the securities are valuated at market prices as of the balance sheet date.
	3.	Other securities and Other money held in trust are valuated and recorded on the balance sheet at market prices. Unrealized gains (losses) indicate the difference between the acquisition costs (or amortized costs) and the balance sheet amounts. Net unrealized gains (losses) on Other securities include gains which are recognized in the statements of income by applying fair value hedge accounting and not recorded directly to Net assets, accordingly. The amounts as of March 31, 2012 and March 31, 2011, are 196 million yen and 1,153 million yen, respectively, in the statements of income.
	4.	Floating-rate Japanese government bonds which SMBC held as Other securities are carried on the balance sheet at their reasonably estimated amounts in accordance with the “Practical Solution on Measurement of Fair Value of Financial Assets” (Accounting Standard Board of Japan Practical Issues Task Force No. 25)

- 4 -

(Sumitomo Mitsui Financial Group)

6. Balance of Securities, Classified by Maturity

Balance of other securities with maturities and bonds of held-to-maturity

SMBC non-consolidated (Billions of yen ) 

		Mar. 31, 2012					Mar. 31, 2011
		1 year or less	More than 1 year to 5 years	More than 5 years to 10 years	More than 10 years	Total	1 year or less	More than 1 year to 5 years	More than 5 years to 10 years	More than 10 years	Total
Bonds		7,578.2	21,001.7	2,825.0	65.6	31,470.5	11,847.0	12,718.8	3,737.5	71.6	28,374.9
	Japanese government bonds	7,294.1	18,895.4	2,283.4	-	28,472.9	11,623.1	10,547.1	3,049.9	-	25,220.1
	Japanese local government bonds	6.0	218.7	4.5	0.0	229.2	0.8	250.6	56.2	0.1	307.7
	Japanese corporate bonds	278.1	1,887.6	537.1	65.6	2,768.4	223.1	1,921.1	631.4	71.5	2,847.1
Others		382.4	4,709.7	300.2	470.9	5,863.2	1,331.2	3,300.8	1,571.3	372.9	6,576.2
Total		7,960.6	25,711.4	3,125.2	536.5	37,333.7	13,178.2	16,019.6	5,308.8	444.5	34,951.1

7. Overview of Derivative Transactions (on Deferred Hedge Accounting Basis)

SMBC non-consolidated (Billions of yen ) 

		Mar. 31, 2012					Mar. 31, 2011
				Net assets (a) - (b)	Net deferred gains (losses)				Net assets (c) - (d)	Net deferred gains (losses)
		Assets (a)	Liabilities (b)				Assets (c)	Liabilities (d)
	Interest rate swaps	103.6	66.2	37.4	(36.4	)	57.6	30.9	26.7	(17.6	)
	Currency swaps	288.7	10.1	278.6	(7.2	)	352.3	13.9	338.4	6.0
	Others	3.1	0.6	2.5	132.0		2.1	1.6	0.5	126.7
Total		395.4	76.9	318.5	88.4		412.0	46.4	365.6	115.1

Notes	1.	Derivative transactions are valuated at fair value on the balance sheet.
	2.	SMBC applied deferred hedge or fair value hedge accounting based on Practical Guidelines for Accounting Standard for Financial Instruments as well as deferred hedge accounting for banking industry based on JICPA Industry Audit Committee Report No.24 and No.25.
	3.	Figures for Net deferred gains (losses) are those before application of tax effect accounting.

(Appendix) Contract amount of interest rate swaps (on deferred hedge accounting basis), classified by maturity

(Billions of yen)

		Mar. 31, 2012				Mar. 31, 2011
		1 year or less	More than 1 year to 5 years	More than 5 years	Total	1 year or less	More than 1 year to 5 years	More than 5 years	Total
	Receivable fixed rate / payable floating rate	5,351.6	12,797.4	5,922.6	24,071.6	4,960.9	14,496.3	4,676.4	24,133.6
	Receivable floating rate / payable fixed rate	1,368.6	4,693.8	5,533.2	11,595.6	613.2	5,360.0	6,047.3	12,020.5
	Receivable floating rate / payable floating rate	20.0	9.3	-	29.3	0.5	29.4	-	29.9
Total		6,740.2	17,500.5	11,455.8	35,696.5	5,574.6	19,885.7	10,723.7	36,184.0

- 5 -

(Sumitomo Mitsui Financial Group)

8. Employee Retirement Benefits

(1) Projected benefit obligation

SMBC non-consolidated								(Millions of yen)
				Mar. 31, 2012				Mar. 31, 2011
					Change
	Projected benefit obligation		(A)	843,362		(2,837)		846,199
		<Discount rate>		<2.5%>		< - >		<2.5%>
		Fair value of plan assets	(B)	802,733		5,594		797,139
		Reserve for employee retirement benefits	(C)	-		-		-
		Prepaid pension cost	(D)	204,033		5,712		198,321
		Unrecognized prior service cost (deductible from the obligation)	(E)	(4,538)		4,951		(9,489)
		Unrecognized net actuarial gain (loss)	(A-B-C+D-E)	249,200		(7,671)		256,871
	(Reference) Consolidated							(Millions of yen)
				Mar. 31, 2012				Mar. 31, 2011
					Change
	Projected benefit obligation		(A)	990,449		14,178		976,271
		Fair value of plan assets	(B)	902,254		18,999		883,255
		Reserve for employee retirement benefits	(C)	45,911		1,307		44,604
		Prepaid pension cost	(D)	212,221		4,224		207,997
		Unrecognized prior service cost (deductible from the obligation)	(E)	(6,624)		3,741		(10,365)
		Unrecognized net actuarial gain (loss)	(A-B-C+D-E)	261,128		(5,647	)	266,775
(2) Pension expenses
SMBC non-consolidated								(Millions of yen)
				FY3/2012				FY3/2011
					Change
	Pension expenses			46,025		(5,233	)	51,258
		Service cost		17,725		513		17,212
		Interest cost on projected benefit obligation		21,154		207		20,947
		Expected returns on plan assets		(25,057)		490		(25,547)
		Amortization of unrecognized prior service cost		(4,950)		223		(5,173)
		Amortization of unrecognized net actuarial gain (loss)		36,583		(6,610	)	43,193
		Others		569		(58	)	627
(Reference) Consolidated								(Millions of yen)
				FY3/2012				FY3/2011
						Change
	Pension expenses			58,820		(5,168	)	63,988

- 6 -

(Sumitomo Mitsui Financial Group)

9. BIS Capital Ratio

Consolidated	(Billions of yen, %)
	Mar. 31, 2012 (a)		Mar. 31, 2011
	[Preliminary]	(a) - (b)	(b)
(1)  Capital ratio	16.94	0.31	16.63
Tier I ratio	12.29	(0.18)	12.47
(2)  Tier I	6,274.4	(49.6)	6,324.0
(3)  Tier II	2,771.1	234.1	2,537.0
(4)  Subtraction items	397.5	(30.6)	428.1
(5)  Total capital (2) + (3) - (4)	8,648.0	215.1	8,432.9
(6)  Risk-adjusted assets	51,043.2	349.5	50,693.7
(7)  Required capital (6) X 8%	4,083.5	28.0	4,055.5
SMBC consolidated
Capital ratio (BIS Guidelines)	19.64	0.48	19.16
SMBC non-consolidated
Capital ratio (BIS Guidelines)	21.92	0.47	21.45
10. ROE
Consolidated			(%)
	FY3/2012		FY3/2011
	(a)	(a) - (b)	(b)
ROE (denominator: Total stockholders’ equity)	10.4	0.5	9.9
Note

ROE (denominator: Total stockholders’ equity)	=	Net income	X 100
		{(Total stockholders’ equity at the beginning of the term) + (Total stockholders’ equity at the end of the term)} / 2

- 7 -

(Sumitomo Mitsui Financial Group)

11. Balance of Problem Assets, Classified by Financial Reconstruction Law and Self-Assessment, and Write-Offs / Reserves

*1	Includes amount of direct reduction totaling 334.9 billion yen.
*2	Includes reserve for assets that are not subject to disclosure based on the Financial Reconstruction Law standards. (Bankrupt/Effectively Bankrupt Borrowers: 5.1 billion yen, Potentially Bankrupt Borrowers: 30.6 billion yen)
*3	Reserve ratios for claims on Bankrupt Borrowers, Effectively Bankrupt Borrowers, Potentially Bankrupt Borrowers, Substandard Borrowers and Borrowers Requiring Caution including Substandard Borrowers are the proportion of reserve for the possible loan losses to each category’s total claims, excluding the portion secured by collateral or guarantees, etc.
*4	Reserve ratios for claims on Normal Borrowers and Borrowers Requiring Caution (excluding claims to Substandard Borrowers) are the proportion of the reserve for possible loan losses to the respective claims of each category. The reserve ratio for unsecured claims on Borrowers Requiring Caution (excluding claims to Substandard Borrowers) is shown in [    ].
*5	The proportion of the reserve to the claims, excluding the portion secured by collateral or guarantees, etc.

- 8 -

(Sumitomo Mitsui Financial Group)

12. Risk-Monitored Loans

SMBC non-consolidated								(Millions of yen, %)
		Mar. 31, 2012						Mar. 31, 2011
			Ratio						Ratio
		(a)	(b)	(a) - (c)		(b) - (d)		(c)	(d)
Risk- monitored   loans	Bankrupt loans	57,503	0.1	(8,299	)	0.0		65,802	0.1
	Non-accrual loans	816,705	1.4	94,913		0.1		721,792	1.3
	Past due loans (3 months or more)	10,531	0.0	(1,796	)	0.0		12,327	0.0
	Restructured loans	258,312	0.5	(32,370	)	0.0		290,682	0.5
	Total	1,143,053	2.0	52,448		0.0		1,090,605	2.0
Total loans (term-end balance)		56,411,492	100.0	1,173,879				55,237,613	100.0
	Amount of direct reduction	295,908		(130,295	)			426,203
Consolidated								(Millions of yen, %)
		Mar. 31, 2012						Mar. 31, 2011
			Ratio						Ratio
		(a)	(b)	(a) - (c)		(b) - (d)		(c)	(d)
Risk- monitored   loans	Bankrupt loans	74,218	0.1	(16,559	)	0.0		90,777	0.1
	Non-accrual loans	1,145,347	1.8	113,519		0.1		1,031,828	1.7
	Past due loans (3 months or more)	22,502	0.0	(2,936	)	0.0		25,438	0.0
	Restructured loans	562,882	0.9	64,559		0.1		498,323	0.8
	Total	1,804,951	2.9	158,582		0.2		1,646,369	2.7
Total loans (term-end balance)		62,720,599	100.0	1,372,244				61,348,355	100.0
	Amount of direct reduction	596,075		(139,563	)			735,638
13. Reserve for Possible Loan Losses and Reserve Ratio
SMBC non-consolidated								(Millions of yen, %)
		Mar. 31, 2012						Mar. 31, 2011
			Reserve ratio						Reserve ratio
		(a)	(b)	(a) - (c)		(b) - (d)		(c)	(d)
Reserve for possible loan losses		689,215	60.30	(22,307	)	(4.94	)	711,522	65.24
	General reserve	439,534		(43,781	)			483,315
	Specific reserve	249,507		21,572				227,935
	Loan loss reserve for specific overseas countries	173		(99	)			272
	Amount of direct reduction	334,900		(161,305	)			496,205
Consolidated								(Millions of yen, %)
		Mar. 31, 2012						Mar. 31, 2011
			Reserve ratio						Reserve ratio
		(a)	(b)	(a) - (c)		(b) - (d)		(c)	(d)
Reserve for possible loan losses		978,933	54.24	(80,012	)	(10.08	)	1,058,945	64.32
	General reserve	593,338		(102,816	)			696,154
	Specific reserve	385,416		23,279				362,137
	Loan loss reserve for specific overseas countries	178		(475	)			653
	Amount of direct reduction	685,871		(181,995	)			867,866

Note    Reserve ratio: Reserve for possible loan losses / Risk-monitored loans. After direct reduction.

- 9 -

(Sumitomo Mitsui Financial Group)

14. Problem Assets Based on the Financial Reconstruction Law and the Coverage

SMBC non-consolidated			(Millions of yen, %)
		Mar. 31, 2012				Mar. 31, 2011
		(a)		(a) - (b)		(b)
	Bankrupt and quasi-bankrupt assets		134,361		(4,072)	138,433
	Doubtful assets		779,641		94,815	684,826
	Substandard loans		268,844		(34,166)	303,010
Total (A)			1,182,847		56,578	1,126,269
	Normal assets		62,493,590		1,467,753	61,025,837
	Total (B)		63,676,437		1,524,331	62,152,106
Problem asset ratio (A/B)			1.86		0.05	1.81
Amount of direct reduction			334,900		(161,305)	496,205

        Note Problem assets based on the Financial Reconstruction Law include loans, acceptances and guarantees, suspense payments, and other credit-type assets.

						(Millions of yen)
		Mar. 31, 2012				Mar. 31, 2011
		(a)		(a) - (b)		(b)
Total coverage (C)			1,063,775		77,261	986,514
	Reserve for possible loan losses* (D)		335,213		4,687	330,526
	Amount recoverable by guarantees, collateral and others (E)		728,561		72,573	655,988
* Sum of general reserve for substandard loans and specific reserve
						(%)
Coverage ratio (C) / (A)			89.93		2.34	87.59
Coverage ratio calculated with total reserve for possible loan losses included in the numerator			119.86		(1.56)	121.42
						(%)
Reserve ratio to unsecured assets (D) / (A - E)			73.79		3.51	70.28
Reserve ratio calculated with total reserve for possible loan losses included in the numerator			151.71		0.41	151.30
Consolidated					(Millions of yen, %)
		Mar. 31, 2012				Mar. 31, 2011
		(a)		(a) - (b)		(b)
	Bankrupt and quasi-bankrupt assets		259,670		(21,941)	281,611
	Doubtful assets		1,017,631		141,794	875,837
	Substandard loans		580,351		47,478	532,873
Total (A)			1,857,653		167,332	1,690,321
	Normal assets		69,826,134		1,957,380	67,868,754
	Total (B)		71,683,787		2,124,712	69,559,075
Problem asset ratio (A/B)			2.59		0.16	2.43
						(Millions of yen)
		Mar. 31, 2012				Mar. 31, 2011
		(a)		(a) - (b)		(b)
Total coverage (C)			1,519,780		89,197	1,430,583
	Reserve for possible loan losses (D)		446,818		11,161	435,657
	Amount recoverable due to guarantees, collateral and others (E)		1,072,962		78,036	994,926
						(%)
Coverage ratio (C) / (A)			81.81		(2.82)	84.63
Coverage ratio calculated with total reserve for possible loan losses included in the numerator			110.46		(11.05)	121.51
						(%)
Reserve ratio to unsecured assets (D) / (A - E)			56.94		(5.71)	62.65
Reserve ratio calculated with total reserve for possible loan losses included in the numerator			124.75		(27.53)	152.28

- 10 -

(Sumitomo Mitsui Financial Group)

15. Results of Off-Balancing of Problem Assets

SMBC non-consolidated

Results of the first half-year

(Billions of yen)

		Mar. 31, 2011	Change in the six months  ended Sep. 30, 2011			Sep. 30, 2011
				Problem assets  newly classified  during the six  months ended  Sep. 30, 2011	Amount of off-balancing
Bankrupt and quasi-bankrupt assets		138.5	(12.2)	28.7	(40.9)	126.3
Doubtful assets		684.8	33.6	159.5	(125.9)	718.4
Total		823.3	21.4	(*1)                 188.2	(166.8)	844.7
Result of measures connected to off-balancing (*2)		120.1				104.9
	Breakdown of off-balancing by factor (*3)	Disposition by borrowers’ liquidation			(13.3)
		Reconstructive disposition			(9.1)
		Improvement in debtors’ performance due to reconstructive disposition			-
		Loan sales to market			(108.7)
		Direct write-offs			91.3
		Others			(127.0)
			Collection/repayment, etc.		(99.8)
			Improvement in debtors’ performance		(27.2)
		Total			(166.8)
Results of the second half-year (Billions of yen)
		Sep. 30, 2011	Change in the six months ended Mar. 31, 2012			Mar. 31, 2012
				Problem assets  newly classified  during the six  months ended  Mar. 31, 2012	Amount of off-balancing
Bankrupt and quasi-bankrupt assets		126.3	8.1	42.5	(34.4)	134.4
Doubtful assets		718.4	61.2	179.7	(118.5)	779.6
Total		844.7	69.3	222.2	(*1)             (152.9)	914.0
Result of measures connected to off-balancing (*2)		104.9				63.6
	Breakdown of off-balancing by factor (*3)	Disposition by borrowers’ liquidation			(29.2)
		Reconstructive disposition			(16.7)
		Improvement in debtors’ performance due to reconstructive disposition			(0.2)
		Loan sales to market			(81.1)
		Direct write-offs			88.1
		Others			(113.8)
			Collection/repayment, etc.		(93.4)
			Improvement in debtors’ performance		(20.4)
		Total			(152.9)

*1	The amount of Problem assets newly classified during the six months ended Sep. 30, 2011 and off-balanced in the six months ended Mar. 31, 2012 was 62.9 billion yen.
*2	The measures connected to off-balancing are legal reorganizations and other similar measures, corporate splits to good companies and bad companies, partial direct write-offs of retail exposure to individuals and small- and medium-sized enterprises, and trusts to RCC for the purpose of revitalization which is scheduled to be off-balanced before the maturity.
*3	1. “Disposition by borrowers’ liquidation” refers to abandonment or write-off of loans involved in bankruptcy liquidation proceedings (bankruptcy or special liquidations).
	2. “Reconstructive disposition” refers to abandonment of loans involved in reconstructive bankruptcy proceedings (corporate reorganization and civil rehabilitation), debt forgiveness involved in special mediation or other types of civil mediation, or debt forgiveness for restructuring involved in private reorganization.

- 11 -

(Sumitomo Mitsui Financial Group)

16. Loan Portfolio, Classified by Industry

(1) Loans and bills discounted, classified by industry

SMBC non-consolidated (Millions of yen,  %) 

		Mar. 31, 2012				Mar. 31, 2011
		(a)	Ratio	(a) - (b)		(b)	Ratio
Domestic offices (excluding Japan offshore banking account)		47,217,955	100.0	(633,111	)	47,851,066	100.0
	Manufacturing	5,701,247	12.1	68,556		5,632,691	11.8
	Agriculture, forestry, fisheries, and mining	133,829	0.3	(11,348	)	145,177	0.3
	Construction	714,741	1.5	(56,244	)	770,985	1.6
	Transportation, communications and public enterprises	3,988,144	8.5	375,748		3,612,396	7.5
	Wholesale and retail	3,691,342	7.8	(122,938	)	3,814,280	8.0
	Finance and insurance	5,828,625	12.3	(106,094	)	5,934,719	12.4
	Real estate and goods rental and leasing	6,185,671	13.1	(197,692	)	6,383,363	13.3
	Various services	3,197,121	6.8	(239,318	)	3,436,439	7.2
	Municipalities	949,628	2.0	(156,123	)	1,105,751	2.3
	Others	16,827,603	35.6	(187,658	)	17,015,261	35.6
Overseas offices and Japan offshore banking accounts		9,193,536	100.0	1,806,989		7,386,547	100.0
	Public sector	47,641	0.5	28,154		19,487	0.3
	Financial institutions	624,804	6.8	69,042		555,762	7.5
	Commerce and industry	7,828,495	85.2	1,581,799		6,246,696	84.6
	Others	692,595	7.5	127,996		564,599	7.6
Total		56,411,492	-	1,173,879		55,237,613	-

Risk-Monitored Loans (Millions of yen,  %) 

		Mar. 31, 2012				Mar. 31, 2011
		(a)	Ratio	(a) - (b)		(b)	Ratio
Domestic offices (excluding Japan offshore banking account)		1,064,161	100.0	87,993		976,168	100.0
	Manufacturing	121,668	11.4	15,345		106,323	10.9
	Agriculture, forestry, fisheries, and mining	3,108	0.3	(685	)	3,793	0.4
	Construction	76,350	7.2	6,057		70,293	7.2
	Transportation, communications and public enterprises	148,702	14.0	61,355		87,347	9.0
	Wholesale and retail	153,463	14.4	35,114		118,349	12.1
	Finance and insurance	13,589	1.3	3,645		9,944	1.0
	Real estate and goods rental and leasing	307,679	28.9	(9,636	)	317,315	32.5
	Various services	152,035	14.3	(22,875	)	174,910	17.9
	Municipalities	-	-	-		-	-
	Others	87,562	8.2	(329	)	87,891	9.0
Overseas offices and Japan offshore banking accounts		78,892	100.0	(35,544	)	114,436	100.0
	Public sector	-	-	-		-	-
	Financial institutions	3,181	4.0	(2,244	)	5,425	4.7
	Commerce and industry	75,710	96.0	(33,300	)	109,010	95.3
	Others	-	-	-		-	-
Total		1,143,053	-	52,448		1,090,605	-

- 12 -

(Sumitomo Mitsui Financial Group)

(2) Problem assets based on the Financial Reconstruction Law classified by industry, and reserve ratio

SMBC non-consolidated		(Millions of yen, %)
		Mar. 31, 2012			Mar. 31, 2011
		(a)	Reserve ratio	(a) - (b)	(b)
Domestic offices (excluding Japan offshore banking account)		1,094,392	74.3	94,681	999,711
	Manufacturing	127,033	82.7	15,619	111,414
	Agriculture, forestry, fisheries, and mining	3,117	56.7	(911)	4,028
	Construction	78,924	77.1	4,574	74,350
	Transportation, communications and public enterprises	148,851	69.7	60,979	87,872
	Wholesale and retail	160,356	70.6	38,838	121,518
	Finance and insurance	14,428	53.5	3,624	10,804
	Real estate and goods rental and leasing	317,476	85.0	(3,412)	320,888
	Various services	154,678	58.7	(23,999)	178,677
	Municipalities	-	-	-	-
	Others	89,523	100.0	(633)	90,156
Overseas offices and Japan offshore banking accounts		88,454	70.4	(38,104)	126,558
	Public sector	-	-	-	-
	Financial institutions	3,640	98.9	(2,243)	5,883
	Commerce and industry	84,813	69.3	(35,861)	120,674
	Others	-	-	-	-
Total		1,182,847	73.8	56,578	1,126,269

Notes	1.	Problem assets based on the Financial Reconstruction Law include loans, acceptances and guarantees, suspense payments, and other credit-type assets.
	2.	Reserve ratio = (Reserve for possible loan losses) / (Assets excluding amounts recoverable due to guarantees, collateral and others) X 100
		Reserve for possible loan losses is sum of general reserve for substandard loans and specific reserve.

(3) Consumer loans outstanding

SMBC non-consolidated				(Millions of yen)
			Mar. 31, 2012		Mar. 31, 2011
			(a)	(a)  - (b)	(b)
Consumer loans			15,206,143	(163,141)	15,369,284
	Housing loans		14,336,810	(153,958)	14,490,768
		Residential purpose	11,196,588	54,930	11,141,658
	Other consumer loans		869,332	(9,184)	878,516
(4) Loans to small- and medium-sized enterprises, etc.
SMBC non-consolidated				(Millions of yen, %)
			Mar. 31, 2012		Mar. 31, 2011
			(a)	(a) - (b)	(b)
Outstanding balance			33,230,726	(582,692)	33,813,418
Ratio to total loans			70.4	(0.3)	70.7
Note        Outstanding balance does not include loans at overseas offices and Japan offshore banking accounts.

- 13 -

(Sumitomo Mitsui Financial Group)

17. Loan Portfolio, Classified by Country

SMBC non-consolidated

(1) Loans to specific overseas countries

				(Millions of yen)
	Mar. 31, 2012					Mar. 31, 2011
	(a)		(a) - (b)			(b)
Loan balance		1,645		(673	)	2,318
Number of countries		4		-		4

(2) Loans outstanding, classified by major domicile

(Millions of yen, %)

		Mar. 31, 2012 (a)				Mar. 31, 2011 (b)
			Ratio	(a) - (b)			Ratio
Asia		3,103,175	31.3	786,725		2,316,450	28.1
	Indonesia	121,478	1.2	34,063		87,415	1.0
	Thailand	322,327	3.2	11,414		310,913	3.8
	Korea	264,840	2.7	70,152		194,688	2.4
	Hong Kong	839,154	8.5	214,644		624,510	7.6
	China	200,487	2.0	109,349		91,138	1.1
	Singapore	745,226	7.5	194,390		550,836	6.7
	India	257,247	2.6	68,779		188,468	2.3
	Others	352,412	3.6	83,934		268,478	3.2
Oceania		680,168	6.9	68,952		611,216	7.4
North America		2,915,121	29.4	509,392		2,405,729	29.2
Central and South America		981,138	9.9	83,656		897,482	10.9
	Brazil	163,050	1.7	34,974		128,076	1.6
	Panama	595,748	6.0	27,115		568,633	6.9
	Others	222,339	2.2	21,567		200,772	2.4
Western Europe		1,318,001	13.3	138,930		1,179,071	14.3
Eastern Europe		352,850	3.5	84,182		268,668	3.3
	Russia	315,079	3.1	91,961		223,118	2.7
	Others	37,770	0.4	(7,780	)	45,550	0.6
Others		563,640	5.7	8,236		555,404	6.8
Total		9,914,094	100.0	1,680,071		8,234,023	100.0

 Note    Classified by domicile of debtors.

(3) Problem assets based on the Financial Reconstruction Law, classified by domicile

(Millions of yen, %)

		Mar. 31, 2012				Mar. 31, 2011
		(a)	Reserve ratio	(a) - (b)		(b)
Overseas offices and Japan offshore banking accounts		88,454	70.4	(38,104	)	126,558
	Asia	4,960	74.0	(2,564	)	7,524
	Oceania	3,023	52.5	1,486		1,537
	North America	37,252	67.2	(1,775	)	39,027
	Central and South America	470	100.0	(33	)	503
	Western Europe	12,170	88.7	(1,325	)	13,495
	Eastern Europe	792	94.6	(33,700	)	34,492
	Others	29,784	67.8	(193	)	29,977

Notes	1.	Problem assets based on the Financial Reconstruction Law include loans, acceptances and guarantees, suspense payments, and other credit-type assets.
	2.	Reserve ratio
		= (Reserve for possible loan losses) / (Assets excluding amounts recoverable due to guarantees, collateral and others) X 100
		Reserve for possible loan losses is sum of general reserve for substandard loans and specific reserve.
	3.	Classified by domicile of debtors.

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(Sumitomo Mitsui Financial Group)

18. Balance of Deposits and Loans

SMBC non-consolidated

(1) Balance of deposits and loans

(Millions of yen, %)

		FY3/2012					FY3/2011
		(a)		(a) - (b)			(b)
Deposits (period-end balance)			75,804,088		1,767,619			74,036,469
Deposits (average balance)			73,565,472		4,102,505			69,462,967
	Domestic units		64,890,957		3,212,144			61,678,813
Loans (period-end balance)			56,411,492		1,173,879			55,237,613
Loans (average balance)			56,658,263		423,216			56,235,047
	Domestic units		46,332,489		(1,204,512	)		47,537,001
Note	Deposits do not include “negotiable certificates of deposit.”
(2) Balance of deposits, classified by type of depositor
								(Millions of	yen)
		Mar. 31, 2012					Mar. 31, 2011
		(a)		(a) - (b)			(b)
Domestic deposits			74,721,212		1,672,215			73,048,997
	Individual		37,696,735		1,043,058			36,653,677
	Corporate		37,024,477		629,157			36,395,320
Note	Figures are before adjustment on interoffice accounts in transit.
	Excludes “negotiable certificates of deposit” and Japan offshore banking accounts.
(Reference)								(Billions of	yen)
		Mar. 31, 2012					Mar. 31, 2011
		(a)		(a) - (b)			(b)
Balance of investment trusts			2,735.8		(303.6	)		3,039.4
	Balance to individuals		2,421.5		(303.5	)		2,725.0
Note	Balance of investment trusts is recognized on a contract basis and measured according to each fund’s net asset balance at the term-end.
								(Billions of	yen)
		FY3/2012					FY3/2011
		(a)		(a) - (b)			(b)
Sales of investment trusts to individuals			971.8		(156.3	)		1,128.1
Sales of Pension-type insurance			176.6		(15.5	)		192.1

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(Sumitomo Mitsui Financial Group)

19. Number of Directors and Employees

 SMBC non-consolidated

	Mar. 31, 2012		Mar. 31, 2011
	(a)	(a) - (b)	(b)
Directors and auditors*1	24	(1)	25
Executive officers*2	59	(1)	60
Employees*3	22,686	162	22,524
*1    Include those of SMFG. *2    Exclude board members. *3    Include overseas local staff but exclude executive officers, contract employees, and temporary staff.         Number of employees is reported on the basis of full-time workers.
20. Number of Offices  SMBC non-consolidated
	Mar. 31, 2012		Mar. 31, 2011
	(a)	(a) - (b)	(b)
Domestic branches*1	437	2	435
Domestic sub-branches and agents*2	160	(6)	166
Overseas branches	15	-	15
Overseas sub-branches	10	3	7
Overseas representative offices	10	(1)	11
*1    Branches specialized in receiving money transfers, controlling ATMs in convenience stores, and international         business operations are excluded. *2    Number of SMBC’s bank agents.
(Reference)
Sumitomo Mitsui Banking Corporation Europe Limited	5	1	4
Sumitomo Mitsui Banking Corporation (China) Limited	12	1	11

- 16 -

(Sumitomo Mitsui Financial Group)

21. Deferred Tax Assets

(1) Deferred Tax Assets on the Balance Sheet

									(Billions of yen)			(Reference) Temporary differences
SMBC Non-consolidated					Mar. 31, 2012		Change from Mar. 31, 2011			Mar. 31, 2011			Mar. 31, 2012
(a) Total deferred tax assets			(b-c)	1	368.2		(161.7	)		529.9
	(b) Subtotal of deferred tax assets			2	985.7		(330.4	)		1,316.1			2,661.3
		Reserve for possible loan losses		3	219.4		(32.6	)		252.0			605.9
		Write-off of loans		4	91.4		(55.6	)		147.0			245.1
		Taxable write-off of securities		5	436.5		(118.3	)		554.8			1,218.1
		Reserve for employee retirement benefits		6	50.7		(6.5	)		57.2			139.7
		Depreciation		7	5.0		(3.1	)		8.1			13.6
		Reserve for possible losses on investments		8	3.6		(2.0	)		5.6			10.2
		Net unrealized losses on other securities		9	50.8		5.5			45.3			139.4
		Net deferred losses on hedges		10	16.9		11.0			5.9			47.7
		Net operating loss carryforwards		11	36.5		(123.5	)		160.0			38.0
		Others		12	74.9		(5.3	)		80.2			203.6
	(c) Valuation allowance			13	617.5		(168.7	)		786.2
(d) Total deferred tax liabilities				14	182.8		29.8			153.0			512.3
	Gain on securities contributed to employee retirement benefits trust			15	36.2		(5.2	)		41.4			101.8
	Net unrealized gains on other securities			16	128.6		39.6			89.0			361.6
	Net deferred gains on hedges			17	-		-			-			-
	Others			18	18.0		(4.6	)		22.6			48.9
Net deferred tax assets (Balance sheet amount)			(a-d)	19	185.4		(191.5	)		376.9
	Amount corresponding to the deferred tax assets shown in line 10		(*1)	20	16.9		11.0			5.9			47.7
	Amount corresponding to the deferred tax liabilities shown in line 16		(*2)	21	(107.6	)	(33.0	)		(74.6	)		(388.7	)
	Net deferred tax assets excluding the amount shown in line 20 and 21			22	276.1		(169.5	)		445.6			715.4
Consolidated
(e)  Net deferred tax assets				23	350.2		(274.0)			624.2
(f)  Tier I capital				24	6,274.4		(49.6)			6,324.0
Net deferred tax assets / Tier I capital			(e/f)	25	5.6%		(4.3)%			9.9%

*1	Companies may consider net deferred losses on hedges to be collectable, in case they assess the collectability of deferred tax assets on the basis of their future taxable income as stipulated in examples (4) proviso of the practical guidelines on assessing the collectability of deferred tax assets issued by the JICPA. (ASBJ Guidance No.8 “Guidance on Accounting Standard for Presentation of Net Assets in the Balance Sheet”)
*2	Deferred tax assets are recognized on the balance sheet on a net basis after offsetting against deferred tax liabilities arising from net unrealized gains on other securities. But the collectability is assessed for the gross deferred tax assets, before offsetting against deferred tax liabilities. (JICPA Auditing Committee Report No.70 “Auditing Treatment Regarding Application of Tax Effect Accounting to Valuation Differences on Other Securities and Losses on Impairment of Fixed Assets”)
*3	The corporate income tax rate will be lowered and a special restoration surtax will be imposed from the fiscal year beginning on or after April 1, 2012. As a result, the effective income tax rate for calculation of SMBC’s deferred tax assets and deferred tax liabilities, previously 40.63%, is now 37.94% for the temporary differences that are considered to be reversible during FY3/2013 to FY3/2015, and 35.57% for the temporary differences that are considered to be reversible after April 1, 2015 and thereafter.

- 17 -

(Sumitomo Mitsui Financial Group)

(2) Reason for Recognition of Deferred Tax Assets

(a) Recognition Criteria Practical Guideline, examples (4) proviso

(1)	SMBC has significant tax loss carryforwards resulting from taking the measures described below in order to quickly strengthen its financial base, and are accordingly judged to be attributable to extraordinary factors. As a result, with regard to temporary differences which are considered to be reversible, SMBC recognized deferred tax assets within the limits of the estimated future taxable income for the period (approximately 5 years) pursuant to the practical guidelines on assessing the collectability of deferred tax assets issued by the JICPA (“Practical Guidelines”) (*1).
	(a) Disposal of Non-performing Loans
	SMBC established internal standards for write-offs and provisions based on self-assessment in accordance with the “Prompt Corrective Action” adopted in FY3/1999 pursuant to the law concerning the maintenance of sound management of financial institutions (June 1996). SMBC has been aggressively disposing of non-performing loans and bolstering provisions against the risk of asset deterioration under the severe business environment of a prolonged sluggish economy.
	In addition, pursuant to the government’s “Program for Financial Revival” of October 2002, SMBC accelerated the disposal of non-performing loans in order to reduce the problem asset ratio to half by the end of FY3/2005. As a result, SMBC achieved this target 6 months ahead of schedule, in the first half of FY3/2005.
	In these processes, the amount of taxable disposals of non-performing loans (*2) increased and accumulated. Afterwards, despite of the increased amount of the taxable disposal due to the credit cost, the realized amount of taxable disposals also increased steadily.
	(b) Disposal of Unrealized Losses on Stocks
	SMBC has been accelerating its effort to reduce stockholdings in order to lower the risk of stock price fluctuations, and to comply, at an early date, with the regulation limiting stockholdings that was adopted in FY3/2002.
	During FY3/2003, SMBC sold stocks and reduced the balance by approximately 1.1 trillion yen, and also disposed in lump sum unrealized losses on stocks of approximately 1.2 trillion yen by writing off impaired stocks and using the gains on the March 2003 merger. Consequently, SMBC complied with the regulation limiting stockholdings at the end of FY3/2003, before the deadline.
	As a result, the outstanding balance of taxable write-offs of securities (*2) increased temporarily from approximately 0.1 trillion yen as of March 31, 1999 to approximately 1.5 trillion yen as of March 31, 2003. Afterwards, despite of the increased amount of the taxable disposal resulting from the reducing the balance of the stocks and securities, taxable write-offs of securities carried out in the past were realized through the sales of the securities stocks.
(2)	Consequently, tax loss carryforwards (*2) amounted to approximately 40 billion yen as of March 31, 2012. No tax loss carryforwards related to corporate taxes have expired in the past.

*1 JICPA Auditing Committee Report No.66 “Auditing Treatment Regarding Judgment of Realizability of Deferred Tax Assets”

*2 Corresponds to “Temporary differences” in the table on the previous page.

(b) Period for Future Taxable Income to be estimated     5 years    

(c) Accumulated Amount of Estimated Future Taxable Income before Adjustments for the Next 5 Years

			(Billions of yen	)
			Estimates of next 5 years		[Basic Policy] (1)    Estimate when the temporary differences will be reversed (2)    Conservatively estimate the taxable income before adjustments for the next 5 years (a)    Rationally  make earnings projection for the next five years, based on internal management plans. (b)    Reduce the  earnings projection by reasonable amount, reflecting the uncertainty of the projection. (c)    Add  the necessary adjustments if any. (3)    Calculate and record the amount of “deferred tax assets” by multiplying effective tax rate and the taxable income before adjustments estimated above.
	Banking profit (before provision for general reserve for possible loan losses)	1	3,650.0
A	Income before income taxes	2	1,972.4
B	Adjustments to taxable income (excluding reversal of temporary differences as of Mar. 31, 2012)	3	189.0
C	Taxable income before adjustments (A+B)	4	2,161.4
	Deferred tax assets corresponding to taxable income before adjustments	5	802.2

(Reference) Income of final return before deducting operating loss carryforwards for the last 5 years

	(Billions of yen)
	FY3/2008	FY3/2009	FY3/2010	FY3/2011	FY3/2012
Income of final return before deducting operating loss carryforwards	746.7	350.4	615.7	637.8	308.8

Notes	1.	(Income of final return before deduction of operating loss carryforwards)
		= (Taxable income before adjustments for each fiscal year) - (Temporary differences to be reversed for each fiscal year)
	2.	Since the final declaration for the corporate income tax is done by the end of June, the figures for FY3/2012 are estimated.

- 18 -

(Sumitomo Mitsui Financial Group)

22. Earnings Forecast for FY3/2013

(1) Earnings

Consolidated						(Billions of yen)
		FY3/2013 Forecast				FY3/2012
		1H FY3/2013				Result
Ordinary profit		460.0		910.0		935.6
Net income		250.0		480.0		518.5
(Reference)
SMBC non-consolidated						(Billions of yen)
		FY3/2013 Forecast				FY3/2012
		1H FY3/2013				Result
	Gross banking profit	730.0		1,470.0		1,532.5
	Expenses	(360.0	)	(720.0	)	(719.5)
Banking profit (before provision for general reserve for possible loan losses)		370.0		750.0		813.0
Ordinary profit		310.0		600.0		695.3
Net income		200.0		380.0		478.0
Total credit cost (*)		(30.0	)	(100.0	)	(58.6)
* (Provision for general reserve for possible loan losses) + (Credit costs) + (Gains on reversal of reserve for possible loan losses)
+ (Recoveries of written-off claims)
(2) Dividends
						(Yen)
		FY3/2013 Forecast				FY3/2012
		Interim		Annual		Annual Result
Dividend per share for common stock		50		100		100
(Reference)						(Billions of yen)
Total dividend		70.5		141.0		138.7

- 19 -

(Sumitomo Mitsui Financial Group)

(Reference 1) FY3/2012 performance and FY3/2013 management policy

- 20 -

(Sumitomo Mitsui Financial Group)

(Reference 2) Exposure to Securitized Products

- Managerial accounting basis

1. Securitized Products

Consolidated																					(Billions of yen)
		March 31, 2012															March 31, 2011
		Balances (after provisions and write-offs)										Net unrealized gains/ losses (after write-offs)					Balances (after provisions and write-offs)				Net unrealized gains/losses (after write-offs)
							Overseas												Overseas
				Change from Mar. 2011					Change from Mar. 2011					Change from Mar. 2011
	Cards		49.4		46.8			49.4		46.8			0.2		0.3			2.6		2.6	(0.1)
	CLO		0.7		(0.8	)		0.7		(0.8	)		1.5		0.3			1.5		1.5	1.2
	CMBS		19.4		6.7			7.4		7.4			0.6		0.5			12.7		-	0.1
	RMBS, etc.		0.1		(0.0	)		0.1		(0.0	)		0.1		(0.2	)		0.1		0.1	0.3
Total			69.6		52.7			57.6		53.4			2.4		0.9			16.9		4.2	1.5

Notes     1.	Balance of sub-prime related products is approx. 0.1 billion yen.
2.	There is no amount of ABCP.
3.	Excludes RMBS issued by GSE and Japan Housing Finance Agency, and SMBC’s exposure to subordinated beneficiaries owned through the securitization of SMBC’s loan receivables, etc.
4.	No loss was recorded on securitized products in FY3/2012.

2. Transactions with Monoline Insurance Companies

(1) Credit derivatives (Credit Default Swap [“CDS”]) transactions with monoline insurance companies

Consolidated

(Billions of yen)

March 31, 2012

March 31, 2011

March 31, 2012

March 31, 2011

Reserve for possible loan losses

Reserve for possible loan losses

Amount of reference assets

Amount of reference assets

Net exposure

Change from Mar. 2011

Net exposure

Change from Mar. 2011

Exposure to CDS transactions with monoline insurance companies

3.0

0.1

1.0

2.9

0.8

236.1

(85.2

)

321.3

Notes  1.  Reference assets do not include subprime-related assets.

2.  SMFG recorded loss on those transactions of approx. 0.2 billion yen in FY3/2012.

(2) Loans and investments guaranteed by monoline insurance companies etc.

Consolidated

(Billions of yen)

March 31, 2012

March 31, 2011

Exposure

Reserve for possible loan losses

Exposure

Reserve for possible loan losses

Change from Mar. 2011

Loans and investments guaranteed or insured by monoline insurance companies

7.6

(1.8

)

0.0

9.4

0.0

Note Underlying assets do not include subprime-related assets.

- 21 -

(Sumitomo Mitsui Financial Group)

3. Leveraged Loans

Consolidated (Billions of yen)

	March 31, 2012												March 31, 2011
	Loans					Undrawn commitments					Reserve for possible loan losses		Loans		Undrawn commitments		Reserve for possible loan losses
			Change from Mar. 2011					Change from Mar. 2011
Europe		151.2		(45.7	)		20.7		(2.7	)		4.7		196.9		23.4		7.5
Japan		131.0		(52.5	)		22.3		6.8			1.3		183.5		15.5		12.7
United States		75.6		(1.6	)		51.1		(15.0	)		5.0		77.2		66.1		11.0
Asia (excluding Japan)		62.0		(3.4	)		5.7		(2.0	)		-		65.4		7.7		1.0
Total		419.8		(103.2	)		99.8		(12.9	)		11.0		523.0		112.7		32.2

Notes	1.	Above figures include the amount to be sold of approx. 8 billion yen. In FY3/2012, we sold leveraged loans of approx. 34 billion yen, and loss on the sale amounted to approx. 13 billion yen.
	2.	Above figures do not include leveraged loans which are included in underlying assets of “1. Securitized Products” shown on page 21.
	3.	Reserves for possible loan losses do not include general reserve for possible loan losses against normal borrowers.

4. Asset Backed Commercial Paper (ABCP) Programs as Sponsor

We sponsor issuance of ABCP, whose reference assets are such as clients’ receivables, in order to fulfill clients’ financing needs. Most of the reference assets are high-grade claims of corporate clients and do not include sub-prime loan related assets.

Consolidated (Billions of yen)

	March 31, 2012				March 31, 2011
	Notional     amount
			Overseas		Notional amount	Overseas
		Change from Mar. 2011		Change from Mar. 2011
Reference assets related to Asset Backed Commercial Paper (ABCP) Programs as Sponsor	599.9	126.7	230.9	36.2	473.2	194.7

(Reference)	In addition, we provide liquidity supports for ABCP programs which are sponsored by other banks.
	Total notional amount of reference assets of such programs are approx. 46 billion yen.

5. Others

We have no securities issued by Structured Investment Vehicles.

- 22 -

(Sumitomo Mitsui Financial Group)

(Reference 3) Financial Statements of SMBC

1. Condensed Balance Sheet

SMBC non-consolidated (Millions of yen)

	March 31, 2012 (A)			March 31, 2011 (B)			Change (A-B)
Assets
Cash and due from banks		6,618,725			8,102,186			(1,483,461	)
Call loans		526,068			261,540			264,528
Receivables under resale agreements		203,768			96,665			107,103
Receivables under securities borrowing transactions		726,677			402,928			323,749
Bills bought		21,171			26,580			(5,409	)
Monetary claims bought		626,146			509,773			116,373
Trading assets		3,777,835			3,623,461			154,374
Money held in trust		7,253			10,316			(3,063	)
Securities		42,441,134			39,853,432			2,587,702
Loans and bills discounted		56,411,492			55,237,613			1,173,879
Foreign exchanges		1,024,074			1,000,964			23,110
Other assets		1,981,695			1,994,996			(13,301	)
Tangible fixed assets		730,939			717,568			13,371
Intangible fixed assets		154,892			142,321			12,571
Deferred tax assets		185,428			376,899			(191,471	)
Customers’ liabilities for acceptances and guarantees		4,299,577			3,852,949			446,628
Reserve for possible loan losses		(689,215	)		(711,522	)		22,307
Reserve for possible losses on investments		(10,195	)		(13,769	)		3,574
Total assets		119,037,469			115,484,907			3,552,562
Liabilities
Deposits		75,804,088			74,036,469			1,767,619
Negotiable certificates of deposit		8,588,746			8,406,816			181,930
Call money		1,877,900			2,272,758			(394,858	)
Payables under repurchase agreements		562,867			503,315			59,552
Payables under securities lending transactions		4,539,644			4,760,920			(221,276	)
Commercial paper		1,193,249			337,120			856,129
Trading liabilities		3,503,085			3,015,835			487,250
Borrowed money		5,181,294			5,952,326			(771,032	)
Foreign exchanges		341,400			272,253			69,147
Short-term bonds		19,999			40,999			(21,000	)
Bonds		4,215,610			3,670,355			545,255
Due to trust account		443,723			216,171			227,552
Other liabilities		2,693,465			2,521,061			172,404
Reserve for employee bonuses		10,798			10,019			779
Reserve for executive bonuses		609			692			(83	)
Reserve for point service program		2,503			1,586			917
Reserve for reimbursement of deposits		9,854			8,872			982
Deferred tax liabilities for land revaluation		39,385			45,091			(5,706	)
Acceptances and guarantees		4,299,577			3,852,949			446,628
Total liabilities		113,327,806			109,925,614			3,402,192
Net assets
Capital stock		1,770,996			1,770,996			-
Capital surplus		2,481,273			2,481,273			-
Capital reserve		1,771,043			1,771,043			-
Other capital surplus		710,229			710,229			-
Retained earnings		1,255,108			935,992			319,116
Other retained earnings		1,255,108			935,992			319,116
Voluntary reserve for retirement allowances		1,656			1,656			-
Voluntary reserve		219,845			219,845			-
Retained earnings brought forward		1,033,606			714,490			319,116
Treasury stock		(210,003	)		-			(210,003	)
Total stockholders’ equity		5,297,375			5,188,262			109,113
Net unrealized gains (losses) on other securities		281,109			229,885			51,224
Net deferred gains (losses) on hedges		105,391			121,109			(15,718	)
Land revaluation excess		25,786			20,035			5,751
Total valuation and translation adjustments		412,288			371,030			41,258
Total net assets		5,709,663			5,559,293			150,370
Total liabilities and net assets		119,037,469			115,484,907			3,552,562

    Note    Amounts less than 1 million yen are rounded down. Figures in parenthesis indicate the amount of loss or decrease.

- 23 -

(Sumitomo Mitsui Financial Group)

2. Condensed Income Statement

 SMBC non-consolidated (Millions of yen ) 

		0,000,000,000		0,000,000,000		0,000,000,000
	FY3/2012 (A)		FY3/2011 (B)		Change     (A-B)
Ordinary income		2,018,585		2,108,724		(90,139	)
Interest income		1,239,535		1,259,403		(19,868	)
Interest on loans and discounts		937,403		957,181		(19,778	)
Interest and dividends on securities		226,631		240,380		(13,749	)
Trust fees		1,736		2,299		(563	)
Fees and commissions		453,877		439,770		14,107
Trading income		84,051		151,070		(67,019	)
Other operating income		193,341		218,075		(24,734	)
Other income		46,043		38,105		7,938
Ordinary expenses		1,323,243		1,513,020		(189,777	)
Interest expenses		282,668		291,595		(8,927	)
Interest on deposits		68,335		78,517		(10,182	)
Fees and commissions payments		134,989		137,103		(2,114	)
Trading losses		-		-		-
Other operating expenses		22,384		110,177		(87,793	)
General and administrative expenses		752,436		738,447		13,989
Other expenses		130,763		235,696		(104,933	)
Ordinary profit		695,342		595,704		99,638
Extraordinary gains		2,456		1,863		593
Extraordinary losses		5,806		8,728		(2,922	)
Income before income taxes		691,992		588,839		103,153
Income taxes - current		44,703		42,386		2,317
Income taxes - deferred		169,315		125,273		44,042
Total income taxes		214,018		167,659		46,359
Net income		477,973		421,180		56,793

Note    Amounts less than 1 million yen are rounded down. Figures in parenthesis indicate the amount of loss or decrease.

- 24 -

(Sumitomo Mitsui Financial Group)

3. Statement of Changes in Net Assets

SMBC non-consolidated

Year ended March 31, 2012 (Millions of yen ) 

	Capital stock		Capital surplus					Retained earnings								Treasury stock			Total    stockholders’    equity
			Capital reserve			Other capital surplus		Other retained earnings
								Voluntary reserve for retirement allowances		Voluntary reserve			Retained earnings brought forward
Balance at the beginning of the period		1,770,996		1,771,043			710,229		1,656		219,845			714,490			-			5,188,262
Changes in the period
Cash dividends														(158,645	)					(158,645	)
Net income														477,973						477,973
Purchase of treasury stock																	(210,003	)		(210,003	)
Transfer from land revaluation excess														(212	)					(212	)
Net changes in the items other than stockholders’ equity in the period
Net changes in the period		-		-			-		-		-			319,115			(210,003	)		109,112
Balance at the end of the period		1,770,996		1,771,043			710,229		1,656		219,845			1,033,606			(210,003	)		5,297,375
	(Millions of yen)
	Valuation and translation adjustments									Total net assets
	Net unrealized gains on other securities		Net deferred gains (losses) on hedges			Land revaluation excess		Total valuation and translation adjustments
Balance at the beginning of the period		229,885		121,109			20,035		371,030		5,559,293
Changes in the period
Cash dividends											(158,645	)
Net income											477,973
Purchase of treasury stock											(210,003	)
Transfer from land revaluation excess											(212	)
Net changes in the items other than stockholders’ equity in the period		51,223		(15,717	)		5,751		41,257		41,257
Net changes in the period		51,223		(15,717	)		5,751		41,257		150,370
Balance at the end of the period		281,109		105,391			25,786		412,288		5,709,663

  Note    Amounts less than 1 million yen are rounded down. Figures in parenthesis indicate the amount of loss or decrease.

- 25 -

(Sumitomo Mitsui Financial Group)

SMBC non-consolidated

Year ended March 31, 2011 (Millions of yen ) 

	Capital stock			Capital surplus					Retained earnings											Total    stockholders’    equity
				Capital reserve		Other capital surplus			Other retained earnings
									Reserve for losses on overseas investments			Voluntary reserve for retirement allowances			Voluntary reserve		Retained earnings brought forward
Balance at the beginning of the period		1,770,996			1,771,043		702,514			0			1,656			219,845		482,983		4,949,040
Changes in the period
Increase due to share exchange							7,715													7,715
Transfer from reserve for losses on overseas investments										(0	)							0		-
Cash dividends																		(191,173	)	(191,173)
Net income																		421,180		421,180
Transfer from land revaluation excess																		1,500		1,500
Net changes in the items other than stockholders’ equity in the period
Net changes in the period		-			-		7,715			(0	)		-			-		231,506		239,222
Balance at the end of the period		1,770,996			1,771,043		710,229			-			1,656			219,845		714,490		5,188,262
	(Millions of yen)
	Valuation and translation adjustments
	Net unrealized gains on other securities			Net deferred gains (losses) on hedges		Land revaluation excess			Total valuation and translation adjustments			Total net assets
Balance at the beginning of the period		379,353			48,020		21,535			448,909			5,397,949
Changes in the period
Increase due to share exchange													7,715
Transfer from reserve for losses on overseas investments													-
Cash dividends													(191,173	)
Net income													421,180
Transfer from land revaluation excess													1,500
Net changes in the items other than stockholders’ equity in the period		(149,467	)		73,088		(1,500	)		(77,878	)		(77,878	)
Net changes in the period		(149,467	)		73,088		(1,500	)		(77,878	)		161,343
Balance at the end of the period		229,885			121,109		20,035			371,030			5,559,293

  Note    Amounts less than 1 million yen are rounded down. Figures in parenthesis indicate the amount of loss or decrease.

- 26 -

(Sumitomo Mitsui Financial Group)

4. Market Value Information on Securities

SMBC Non-consolidated

[1] Securities

In addition to “Securities” stated in the non-consolidated balance sheet, negotiable certificates of deposit classified as “Cash and due from banks” and beneficiary claims on loan trust classified as “Monetary claims bought” are included in the amounts below.

(1) Bonds classified as held-to-maturity

												(Millions of yen	)
							Mar. 31, 2012
			Type				Balance sheet amount		Fair value		Net unrealized gains (losses)
Bonds whose fair value is above the         balance sheet amount			Japanese government bonds					4,787,498		4,849,443		61,944
			Japanese local government bonds					90,616		92,719		2,102
			Japanese corporate bonds					215,627		219,573		3,945
			Subtotal					5,093,743		5,161,736		67,993
Bonds whose fair value is below the balance sheet amount			Japanese government bonds					70,020		69,930		(90	)
			Japanese local government bonds					-		-		-
			Japanese corporate bonds					-		-		-
			Subtotal					70,020		69,930		(90	)
			Total					5,163,764		5,231,666		67,902
(2) Investments in subsidiaries and affiliates
												(Millions of yen	)
							Mar. 31, 2012
							Balance sheet amount		Fair value		Net unrealized  gains (losses)
Stocks of subsidiaries								61,661		50,402		(11,258	)
Stocks of affiliates								32,819		22,578		(10,240	)
Total								94,480		72,980		(21,499	)
Note    Stocks of subsidiaries and affiliates whose fair value is extremely difficult to determine.
				(Millions of yen)
					Balance sheet amount
		Stocks of subsidiaries				2,099,169
		Stocks of affiliates				101,297
		Others				29,093
		Total				2,229,560
		These amounts are not included in “Investments of subsidiaries and affiliates” shown above since there are no market prices and it is extremely difficult to determine their fair values.
(3) Other securities
												(Millions of yen	)
			Type				Mar. 31, 2012
							Balance sheet amount		Acquisition cost		Net unrealized gains (losses)
Securities whose balance sheet amount is above the acquisition cost			Stocks					1,123,341		656,469		466,871
			Bonds					23,311,642		23,202,137		109,504
				Japanese government bonds				20,984,459		20,925,435		59,023
				Japanese local government bonds				136,885		136,001		883
				Japanese corporate bonds				2,190,297		2,140,700		49,597
			Others					4,501,070		4,404,873		96,196
			Subtotal					28,936,053		28,263,480		672,572
Securities whose balance sheet amount is below the acquisition cost			Stocks					922,246		1,160,665		(238,418	)
			Bonds					2,995,029		3,000,178		(5,148	)
				Japanese government bonds				2,630,960		2,631,507		(546	)
				Japanese local government bonds				1,672		1,679		(7	)
				Japanese corporate bonds				362,396		366,991		(4,594	)
			Others					2,060,646		2,100,671		(40,024	)
			Subtotal					5,977,923		6,261,514		(283,590	)
			Total					34,913,977		34,524,995		388,982
Note	1.	Net unrealized gains (losses) on Other securities shown above include gains of 196 million yen that are recognized in the statement of income by applying fair value hedge accounting.
	2.	Securities whose fair value is extremely difficult to determine.
					(Millions of yen)
					Balance sheet amount
		Stocks				205,083
		Others				321,917
		Total				527,001
		These amounts are not included in “Other securities” shown above since there are no market prices and it is extremely difficult to determine their fair values.

- 27 -

(Sumitomo Mitsui Financial Group)

(4) Write-down of securities

Other securities with fair value are considered as impaired if the fair value decreases materially below the acquisition cost, and such decline is not considered recoverable. The fair value is recognized as the balance sheet amount and the amount of write-down is accounted for as valuation loss for this period. Valuation loss for this period is 23,468 million yen. The rule for determining “material decline” is as follows and is based on the classification of issuers under the rules of self-assessment of assets.

Bankrupt/Effectively bankrupt/Potentially bankrupt issuers	Fair value is lower than acquisition cost.
Issuers requiring caution	Fair value is 30% or more lower than acquisition cost.
Normal issuers	Fair value is 50% or more lower than acquisition cost.

Bankrupt issuers: Issuers that are legally bankrupt or formally declared bankrupt

Effectively bankrupt issuers: Issuers that are not legally bankrupt but regarded as substantially bankrupt

Potentially bankrupt issuers: Issuers that are not currently bankrupt but perceived to have a high risk of falling into bankruptcy

Issuers requiring caution: Issuers that are identified for close monitoring

Normal issuers: Issuers other than the above four categories of issuers

[2] Money held in trust

Other money held in trust (Other than classified as trading or held-to-maturity purpose)

		(Millions of yen)
	March 31, 2012
	Balance sheet amount	Acquisition cost	Net unrealized gains (losses)	of which whose balance sheet amount is above the acquisition cost	of which whose balance sheet amount is below the acquisition cost
Other money held in trust	5,805	5,852	(46)	-	(46)

5. Statements of Trust Assets and Liabilities

SMBC non-consolidated		(Millions of yen)
	March 31, 2012 (A)	March 31, 2011 (B)	Change (A-B)
Loans and bills discounted	235,829	237,383	(1,554	)
Securities	424,478	444,664	(20,186	)
Beneficiary claims	9,991	-	9,991
Securities held in custody accounts	-	3,046	(3,046	)
Monetary claims	621,656	548,973	72,683
Tangible fixed assets	7	22	(15	)
Intangible fixed assets	-	7	(7	)
Other claims	1,529	2,474	(945	)
Call loans	100,732	79,427	21,305
Due from banking account	443,723	216,171	227,552
Cash and due from banks	53,904	43,638	10,266
Others	0	284	(284	)
Total assets	1,891,853	1,576,094	315,759
Designated money trusts	821,292	615,685	205,607
Specified money trusts	228,033	176,511	51,522
Money in trusts other than money trusts	220,605	220,007	598
Security trusts	-	3,221	(3,221	)
Monetary claims trusts	617,858	554,703	63,155
Equipment trusts	24	45	(21	)
Composite trusts	4,039	5,919	(1,880	)
Total liabilities	1,891,853	1,576,094	315,759

Notes	1.	Amounts less than 1 million yen are rounded down.
	2.	SMBC has no co-operative trusts under other trust bank’s administration.
	3.	SMBC does not handle any trusts with principal indemnification.
	4.	Balance of self-declaration of trust, which is not included in the table above, was 85,721 million yen on March 31, 2012 and 57,547 million yen on March 31, 2011.

- 28 -