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 November 2013

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:    November 12, 2013

Financial Results

for the Six Months

ended September 30, 2013

-Supplementary Information-

Sumitomo Mitsui Financial Group, Inc.

Sumitomo Mitsui Banking Corporation

Table of contents

Page

Financial highlights for the Six Months ended September 30, 2013

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 (under deferred hedge accounting)		Non-consolidated	…	5
8.	Employee retirement benefits	Consolidated	Non-consolidated	…	6
9.	Capital ratio (BIS guidelines)	Consolidated	Non-consolidated	…	7
10.	ROE	Consolidated		…	7
11.	Balance of problem assets, classified by Financial Reconstruction Act 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 Act and 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.	Deferred tax assets and liabilities		Non-consolidated	…	16
20.	Earnings and dividends forecast for FY3/2014	Consolidated	Non-consolidated	…	17
Reference 1: FY3/2014 management policy and topics in 1H, FY3/2014				…	18
Reference 2: Financial statements of SMBC				…	19
Reference 3: Exposure to securitized products				…	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,” “believe,” “estimate,” “expect,” “intend,” “may,” “plan,” “probability,” “risk,” “project,” “should,” “seek,” “target,” “will” 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: deterioration of Japanese and global economic conditions and financial markets; declines in the value of our securities portfolio; our ability to successfully implement our business strategy through our subsidiaries, affiliates and alliance partners; exposure to new risks as we expand the scope of our business; and incurrence of significant credit-related costs. 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 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 and our operating results, and investors’ decisions.

Sumitomo Mitsui Financial Group            

Financial highlights for the Six Months ended September  30, 2013

1. Income analysis

Consolidated						(Millions of yen)
				Six months ended		Six months ended
				Sep. 30, 2013	Change	Sep. 30, 2012
Consolidated gross profit			1	1,509,974	138,163	1,371,811
	Net interest income		2	780,278	100,496	679,782
	Trust fees		3	1,082	59	1,023
	Net fees and commissions		4	490,118	89,149	400,969
	Net trading income		5	120,182	(2,241)	122,423
	Net other operating income		6	118,312	(49,300)	167,612
General and administrative expenses			7	(780,639)	(58,800)	(721,839)
Credit costs			8	(45,959)	12,586	(58,545)
	Write-off of loans		9	(40,003)	15,083	(55,086)
	Provision for specific reserve for possible loan losses		10	-	-	-
	Provision for general reserve for possible loan losses		11	-	-	-
	Other credit costs		12	(5,955)	(2,497)	(3,458)
Gains on reversal of reserve for possible loan losses			13	77,996	72,828	5,168
Recoveries of written-off claims			14	7,599	2,234	5,365
Gains (losses) on stocks			15	60,435	193,308	(132,873)
Equity in earnings (losses) of affiliates			16	8,105	2,435	5,670
Other income (expenses)			17	(1,585)	4,991	(6,576)
Ordinary profit			18	835,926	367,746	468,180
Extraordinary gains (losses)			19	(1,791)	1,356	(3,147)
	Gains (losses) on disposal of fixed assets		20	(141)	1,031	(1,172)
	Losses on impairment of fixed assets		21	(1,465)	793	(2,258)
Income before income taxes and minority interests			22	834,134	369,102	465,032
Income taxes - current			23	(185,385)	(76,326)	(109,059)
Income taxes - deferred			24	(74,654)	(111,573)	36,919
Income before minority interests			25	574,095	181,203	392,892
Minority interests in net income			26	(68,385)	(6,532)	(61,853)
Net income			27	505,709	174,670	331,039
Note:		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)
Total credit cost (8+13+14)			28	39,636	87,648	(48,012)
Note:		Amounts less than 1 million yen are rounded down. Figures in parenthesis indicate the amount of loss or decrease.
Reference:						(Billions of yen)
Consolidated net business profit			29	708.1	109.3	598.8
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
				Sep. 30, 2013	Change	Mar. 31, 2013
		Consolidated subsidiaries	30	335	12	323
		Equity method affiliates	31	48	4	44

- 1 -

Sumitomo Mitsui Financial Group            

SMBC non-consolidated							(Millions of yen	)
				Six months ended			Six months ended
				Sep. 30, 2013	Change		Sep. 30, 2012
Gross banking profit			1	821,853	35,130		786,723
	Gross domestic profit		2	597,377	63,980		533,397
		Net interest income	3	491,274	84,972		406,302
		Trust fees	4	1,038	49		989
		Net fees and commissions	5	106,327	14,625		91,702
		Net trading income	6	(543)	(418	)	(125	)
		Net other operating income	7	(718)	(35,246	)	34,528
		Gains (losses) on bonds	8	682		(30,180)		30,862
	Gross international profit		9	224,475	(28,851	)	253,326
		Net interest income	10	79,675	11,208		68,467
		Net fees and commissions	11	57,518	8,092		49,426
		Net trading income	12	26,035	(23,934	)	49,969
		Net other operating income	13	61,246	(24,216	)	85,462
		Gains (losses) on bonds	14	5,596		(80,820)		86,416
Expenses (excluding non-recurring losses)			15	(368,614)	(10,541	)	(358,073	)
	Personnel expenses		16	(140,665)	(7,368	)	(133,297	)
	Non-personnel expenses		17	(209,074)	(2,666	)	(206,408	)
	Taxes		18	(18,874)	(507	)	(18,367	)
Banking profit (before provision for general reserve for possible loan losses)			19	453,239	24,589		428,650
Gains (losses) on bonds			20	6,278		(111,000)		117,278
Provision for general reserve for possible loan losses			21	-	-		-
Banking profit			22	453,239	24,589		428,650
Non-recurring gains (losses)			23	70,323	224,444		(154,121	)
	Credit costs		24	(1,556)	12,870		(14,426	)
	Gains on reversal of reserve for possible loan losses		25	77,429	38,639		38,790
	Recoveries of written-off claims		26	2,470	2,448		22
	Gains (losses) on stocks		27	76,484	210,087		(133,603	)
		Gains (losses) on sale of stocks and other securities	28	79,927	63,600		16,327
		Losses on devaluation of stocks and other securities	29	(3,443)	146,487		(149,930	)
	Other non-recurring gains (losses)		30	(84,503)	(39,599	)	(44,904	)
Ordinary profit			31	523,562	249,034		274,528
Extraordinary gains (losses)			32	(1,037)	1,295		(2,332	)
	Gains (losses) on disposal of fixed assets		33	337	1,006		(669	)
	Losses on impairment of fixed assets		34	(1,374)	288		(1,662	)
Income before income taxes			35	522,525	250,330		272,195
Income taxes - current			36	(115,700)	(46,929	)	(68,771	)
Income taxes - deferred			37	(76,610)	(112,892	)	36,282
Net income			38	330,214	90,508		239,706
Total credit cost (21+24+25+26)			39	78,342	53,957		24,385
	Provision for general reserve for possible loan losses		40	47,796	(8,236	)	56,032
	Write-off of loans		41	(399)	12,075		(12,474	)
	Provision for specific reserve for possible loan losses		42	30,402	47,804		(17,402	)
	Losses on sales of delinquent loans		43	(1,157)	795		(1,952	)
	Provision for loan loss reserve for specific overseas countries		44	(770)	(930	)	160
	Recoveries of written-off claims		45	2,470	2,448		22
Note: Amounts less than 1 million yen are rounded down. Figures in parenthesis indicate the amount of loss or decrease.

- 2 -

Sumitomo Mitsui Financial Group            

2. Banking profit per employee / overhead ratio

SMBC non-consolidated			(Millions of yen, %)
		Six months ended       Sep. 30, 2013		Six months ended      Sep. 30, 2012
			Change
Banking profit (before provision for general reserve for possible loan losses)		453,239	24,589	428,650
	Per employee (thousands of yen)	19,351	835	18,516
Overhead ratio		44.9	(0.6)	45.5

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

3. Interest spread (domestic)

SMBC non-consolidated							(%)
					Six months ended Sep. 30, 2013		Six months ended Sep. 30, 2012
			Three months   ended Jun. 30, 2013	Three months   ended Sep. 30, 2013		Change
Yield on interest earning assets (A)					1.41	0.30	1.11
	Interest earned on loans and bills discounted (C)		1.45	1.43	1.44	(0.11)	1.55
	Interest earned on securities				1.49	0.92	0.57
Total cost of funding (including expenses) (B)					0.87	(0.02)	0.89
	Cost of interest bearing liabilities				0.09	(0.02)	0.11
		Interest paid on deposits, etc. (D)	0.05	0.04	0.04	(0.01)	0.05
		Interest paid on other liabilities			0.28	(0.01)	0.29
	Expense ratio				0.78	0.00	0.78
Overall interest spread (A) - (B)					0.54	0.32	0.22
	Interest spread (C) - (D)		1.40	1.39	1.40	(0.10)	1.50

4. Gains (losses) on securities

SMBC non-consolidated			(Millions of yen)
		Six months ended       Sep. 30, 2013		Six months ended     Sep. 30, 2012
			Change
Gains (losses) on bonds		6,278	(111,000)	117,278
	Gains on sales	29,929	(101,863)	131,792
	Losses on sales	(19,530)	(11,820)	(7,710)
	Gains on redemption	0	0	0
	Losses on redemption	(4,025)	2,777	(6,802)
	Losses on devaluation	(95)	(95)	-
Gains (losses) on stocks		76,484	210,087	(133,603)
	Gains on sales	81,418	61,250	20,168
	Losses on sales	(1,491)	2,350	(3,841)
	Losses on devaluation	(3,443)	146,487	(149,930)

- 3 -

Sumitomo Mitsui Financial Group            

5. Unrealized gains (losses) on securities

Consolidated											(Millions of yen)
				Sep. 30, 2013					Mar. 31, 2013
				Balance sheet  amount	Net unrealized gains (losses)				Balance sheet  amount	Net unrealized gains (losses)
					(a)	(a) - (b)	Gains	Losses		(b)	Gains	Losses
	Held-to-maturity purpose			5,117,661	40,442	(20,708)	41,282	840	5,852,111	61,150	61,191	41
	Other securities			22,442,959	1,400,079	278,481	1,530,780	130,701	35,776,786	1,121,598	1,256,572	134,973
		Stocks		3,200,918	1,157,293	386,056	1,225,417	68,124	2,806,706	771,237	867,109	95,872
		Bonds		13,292,268	66,539	(41,781)	70,159	3,620	24,525,328	108,320	112,202	3,881
			Japanese government bonds	10,374,706	24,153	(40,417)	25,484	1,331	21,479,939	64,570	64,785	214
		Others		5,949,772	176,247	(65,793)	235,202	58,955	8,444,750	242,040	277,260	35,220
	Other money held in trust			23,799	43	33	43	-	22,789	10	10	-
	Total			27,584,420	1,440,565	257,806	1,572,106	131,541	41,651,687	1,182,759	1,317,774	135,015
		Stocks		3,200,918	1,157,293	386,056	1,225,417	68,124	2,806,706	771,237	867,109	95,872
		Bonds		18,401,130	106,978	(62,489)	111,438	4,460	30,365,341	169,467	173,390	3,922
		Others		5,982,371	176,294	(65,760)	235,249	58,955	8,479,639	242,054	277,274	35,220
SMBC non-consolidated											(Millions of yen)
				Sep. 30, 2013					Mar. 31, 2013
				Balance sheet  amount	Net unrealized gains (losses)				Balance sheet  amount	Net unrealized gains (losses)
					(a)	(a) - (b)	Gains	Losses		(b)	Gains	Losses
	Held-to-maturity purpose			5,009,604	39,555	(20,349)	40,378	823	5,735,948	59,904	59,941	37
	Stocks of subsidiaries and affiliates			2,985,825	(61,512)	(45,186)	14,471	75,984	2,474,054	(16,326)	7,274	23,600
	Other securities			20,513,659	1,310,317	269,657	1,428,341	118,023	33,655,434	1,040,660	1,165,723	125,062
		Stocks		3,150,862	1,150,920	381,235	1,213,410	62,490	2,792,916	769,685	862,237	92,551
		Bonds		12,120,781	62,102	(33,159)	64,873	2,770	23,126,292	95,261	98,552	3,291
			Japanese government bonds	9,856,785	22,329	(33,296)	23,401	1,071	20,717,193	55,625	55,808	182
		Others		5,242,014	97,293	(78,420)	150,056	52,762	7,736,225	175,713	204,933	29,219
	Other money held in trust			2,399	43	33	43	-	2,372	10	10	-
	Total			28,511,488	1,288,403	204,154	1,483,234	194,831	41,867,810	1,084,249	1,232,949	148,699
		Stocks		4,290,797	1,148,455	384,169	1,227,882	79,426	3,900,774	764,286	869,511	105,224
		Bonds		17,130,385	101,658	(53,507)	105,252	3,594	28,862,241	155,165	158,494	3,328
		Others		7,090,304	38,289	(126,508)	150,100	111,810	9,104,794	164,797	204,943	40,146

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 September 30, 2013 and March 31, 2013, are 53,774 million yen and 29,831 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)
		Sep. 30, 2013					Mar. 31, 2013
		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		5,838.8	9,139.5	2,089.3	62.8	17,130.4	8,429.5	17,822.5	2,546.7	63.6	28,862.2
	Japanese government bonds	5,537.0	7,572.5	1,630.2	-	14,739.7	8,105.7	16,041.9	2,084.1	-	26,231.7
	Japanese local government bonds	11.2	49.7	1.5	0.0	62.5	45.4	113.0	0.7	0.0	159.1
	Japanese corporate bonds	290.6	1,517.3	457.6	62.8	2,328.2	278.5	1,667.6	461.9	63.6	2,471.5
Others		752.6	2,229.5	421.9	349.7	3,753.7	630.3	4,855.3	243.6	459.9	6,189.2
Total		6,591.4	11,369.0	2,511.2	412.5	20,884.1	9,059.9	22,677.8	2,790.3	523.5	35,051.4

7. Overview of derivative transactions (under deferred hedge accounting)

SMBC non-consolidated								(Billions of yen)
		Sep. 30, 2013				Mar. 31, 2013
				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	70.1	57.8	12.2	(55.4)	78.4	22.6	55.9	(7.7)
	Currency swaps	44.2	395.7	(351.5)	(37.8)	20.2	200.0	(179.9)	(37.2)
	Others	0.3	0.7	(0.3)	46.4	0.9	-	0.9	51.8
Total		114.6	454.2	(339.6)	(46.8)	99.5	222.6	(123.1)	6.8

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 (under deferred hedge accounting), classified by maturity

(Billions of yen)

		Sep. 30, 2013				Mar. 31, 2013
		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	3,611.0	14,701.7	7,643.6	25,956.2	2,347.4	15,046.7	8,201.6	25,595.6
	Receivable floating rate / payable fixed rate	603.9	6,821.1	6,990.5	14,415.5	870.7	5,401.9	7,198.2	13,470.9
	Receivable floating rate / payable floating rate	-	9.9	-	9.9	-	16.6	-	16.6
Total		4,214.9	21,532.7	14,634.0	40,381.7	3,218.1	20,465.3	15,399.8	39,083.1

- 5 -

Sumitomo Mitsui Financial Group            

8. Employee retirement benefits

(1) Projected benefit obligation

	Consolidated					(Millions of yen)
				Six months ended   Sep. 30, 2013		Six months ended Sep. 30, 2012
					Change
	Projected benefit obligation*		(A)	1,117,085	126,636	990,449
		Fair value of plan assets*	(B)	1,036,130	133,876	902,254
		Reserve for employee retirement benefits*	(C)	44,579	(1,332)	45,911
		Prepaid pension cost*	(D)	224,719	12,498	212,221
		Unrecognized prior service cost (deductible from the obligation)*	(E)	(1,254)	5,370	(6,624)
		Unrecognized net actuarial gain (loss)*	(A-B-C+D-E)	262,349	1,221	261,128
	* As of the beginning of the period
	SMBC non-consolidated					(Millions of yen)
				Six months ended   Sep. 30, 2013		Six months ended Sep. 30, 2012
					Change
	Projected benefit obligation*		(A)	960,412	117,050	843,362
	<Discount rate>			<1.5%>	<(1.0)%>	<2.5%>
		Fair value of plan assets*	(B)	925,854	123,121	802,733
		Reserve for employee retirement benefits*	(C)	-	-	-
		Prepaid pension cost*	(D)	218,272	14,239	204,033
		Unrecognized prior service cost (deductible from the obligation)*	(E)	-	4,538	(4,538)
		Unrecognized net actuarial gain (loss)*	(A-B-C+D-E)	252,830	3,630	249,200
	* As of the beginning of the period
(2) Pension expenses
	Consolidated					(Millions of yen)
				Six months ended   Sep. 30, 2013		Six months ended Sep. 30, 2012
					Change
	Pension expenses			29,728	3,788	25,940
	SMBC non-consolidated					(Millions of yen)
				Six months ended   Sep. 30, 2013		Six months ended Sep. 30, 2012
					Change
	Pension expenses			21,278	2,900	18,378
		Service cost		11,303	2,375	8,928
		Interest cost on projected benefit obligation		7,203	(3,339)	10,542
		Expected returns on plan assets		(14,181)	(1,302)	(12,879)
		Amortization of unrecognized prior service cost		-	2,475	(2,475)
		Amortization of unrecognized net actuarial gain (loss)		16,581	2,660	13,921
		Others		371	30	341

- 6 -

Sumitomo Mitsui Financial Group            

9. Capital ratio (BIS guidelines)

(Basel III basis)

Consolidated		(Billions of yen, %)
	Sep. 30, 2013 [Preliminary]  (a)		Mar. 31, 2013
		(a) - (b)	(b)
(1) Total capital ratio    (4) / (7)	16.03	1.32	14.71
(2) Tier 1 capital ratio    (5) / (7)	12.13	1.20	10.93
(3) Common equity Tier 1 capital ratio    (6) / (7)	10.35	0.97	9.38
(4) Total capital	9,831.7	645.7	9,186.0
(5) Tier 1 capital	7,439.3	610.3	6,829.0
(6) Common equity Tier 1 capital	6,346.2	490.3	5,855.9
(7) Risk weighted assets	61,299.4	(1,126.7)	62,426.1
(8) Required capital    (7) X 8%	4,904.0	(90.1)	4,994.1
SMBC consolidated
(1) Total capital ratio	18.02	1.18	16.84
(2) Tier 1 capital ratio	13.69	1.00	12.69
(3) Common equity Tier 1 capital ratio	12.16	0.90	11.26
SMBC non-consolidated
(1) Total capital ratio	19.42	0.80	18.62
(2) Tier 1 capital ratio	14.44	0.52	13.92
(3) Common equity Tier 1 capital ratio	12.31	0.56	11.75
10. ROE
Consolidated					(%)
	Six months ended Sep. 30, 2013 (a)			FY3/2013	Six months
		(a) - (b)	(a) - (c)	(b)	ended Sep. 30, 2012 (c)
ROE (denominator: Total stockholders’ equity)	17.1	2.3	4.3	14.8	12.8

Note:
ROE    (denominator: Total   stockholders’ equity)	=	(Net income) X (Number of days in a year (365 days)) / (Number of days in the period (183 days (365 days)))	X	100
		{(Total stockholders’ equity at the beginning of the period) + (Total stockholders’ equity at the end of the period)} / 2

- 7 -

Sumitomo Mitsui Financial Group            

11. Balance of problem assets, classified by Financial Reconstruction Act and self-assessment, and write-offs / reserves

*1	Includes amount of direct reduction totaling 338.6 billion yen.
*2	Includes reserve for assets that are not subject to disclosure based on the Financial Reconstruction Act standards. (Bankrupt/Effectively bankrupt borrowers: 3.0 billion yen, Potentially bankrupt borrowers: 7.9 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	Includes Specific reserve for Borrowers requiring caution totaling 0.7 billion yen.
*6	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

    Consolidated (Millions of yen, %)

	Sep. 30, 2013 (a)						Mar. 31, 2013 (b)		Sep. 30, 2012 (c)
			(a) - (b)		(a) - (c)
		Ratio		Ratio		Ratio		Ratio		Ratio
Bankrupt loans	57,378	0.1	1,899	0.0	(23,103)	0.0	55,479	0.1	80,481	0.1
Non-accrual loans	1,015,080	1.5	(115,482)	(0.2)	(95,901)	(0.3)	1,130,562	1.7	1,110,981	1.8
Past due loans (3 months or more)	18,597	0.0	2,553	0.0	(5,624)	0.0	16,044	0.0	24,221	0.0
Restructured loans	449,293	0.7	(35,670)	0.0	(46,085)	(0.1)	484,963	0.7	495,378	0.8
Total	1,540,350	2.3	(146,699)	(0.3)	(170,713)	(0.5)	1,687,049	2.6	1,711,063	2.8
Total loans (period-end balance)	65,696,779	100.0	64,688		3,961,940		65,632,091	100.0	61,734,839	100.0
Amount of direct reduction	569,267		(16,522)		(27,761)		585,789		597,028

    SMBC non-consolidated (Millions of yen, %)

	Sep. 30, 2013 (a)						Mar. 31, 2013 (b)		Sep. 30, 2012 (c)
			(a) - (b)		(a) - (c)
		Ratio		Ratio		Ratio		Ratio		Ratio
Bankrupt loans	46,449	0.1	1,500	0.0	(20,092)	0.0	44,949	0.1	66,541	0.1
Non-accrual loans	705,996	1.1	(54,705)	(0.2)	(61,084)	(0.3)	760,701	1.3	767,080	1.4
Past due loans (3 months or more)	9,278	0.0	274	0.0	(3,618)	0.0	9,004	0.0	12,896	0.0
Restructured loans	239,446	0.4	(8,188)	0.0	(15,785)	(0.1)	247,634	0.4	255,231	0.5
Total	1,001,170	1.6	(61,120)	(0.2)	(100,580)	(0.4)	1,062,290	1.8	1,101,750	2.0
Total loans (period-end balance)	60,839,409	100.0	1,068,646		5,006,407		59,770,763	100.0	55,833,002	100.0
Amount of direct reduction	305,061		(16,136)		111		321,197		304,950

13. Reserve for possible loan losses and reserve ratio

    Consolidated (Millions of yen, %)

		Sep. 30, 2013 (a)						Mar. 31, 2013 (b)		Sep. 30, 2012 (c)
				(a) - (b)		(a) - (c)
			Reserve ratio		Reserve ratio		Reserve ratio		Reserve ratio		Reserve ratio
Reserve for possible loan losses		813,907	52.84	(114,959)	(2.22)	(103,998)	(0.81)	928,866	55.06	917,905	53.65
	General reserve	486,685		(52,620)		(53,201)		539,305		539,886
	Specific reserve	326,446		(63,109)		(51,538)		389,555		377,984
	Loan loss reserve for specific overseas countries	775		770		741		5		34
	Amount of direct reduction	640,903		(12,243)		(37,885)		653,146		678,788

    SMBC non-consolidated (Millions of yen, %)

		Sep. 30, 2013 (a)						Mar. 31, 2013 (b)		Sep. 30, 2012 (c)
				(a) - (b)		(a) - (c)
			Reserve ratio		Reserve ratio		Reserve ratio		Reserve ratio		Reserve ratio
Reserve for possible loan losses		530,017	52.94	(86,576)	(5.10)	(87,938)	(3.15)	616,593	58.04	617,955	56.09
	General reserve	328,928		(46,233)		(51,912)		375,161		380,840
	Specific reserve	200,312		(41,114)		(36,790)		241,426		237,102
	Loan loss reserve for specific overseas countries	775		770		762		5		13
	Amount of direct reduction	338,638		(17,418)		(3,678)		356,056		342,316
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 Act and coverage

Consolidated (Millions of yen, %)

		Sep. 30, 2013			Mar. 31, 2013	Sep. 30, 2012
		(a)	(a) - (b)	(a) - (c)	(b)	(c)
	Bankrupt and quasi-bankrupt assets	237,385	(10,776)	(21,738)	248,161	259,123
	Doubtful assets	863,882	(109,175)	(113,309)	973,057	977,191
	Substandard loans	472,085	(33,045)	(43,109)	505,130	515,194
Total (A)		1,573,353	(152,996)	(178,157)	1,726,349	1,751,510
	Normal assets	73,908,332	(365,276)	5,043,731	74,273,608	68,864,601
	Total (B)	75,481,686	(518,272)	4,865,575	75,999,958	70,616,111
Problem asset ratio (A/B)		2.08	(0.19)	(0.40)	2.27	2.48

(Millions of yen)

		Sep. 30, 2013			Mar. 31, 2013	Sep. 30, 2012
		(a)	(a) - (b)	(a) - (c)	(b)	(c)
Total coverage (C)		1,339,659	(142,240)	(86,552)	1,481,899	1,426,211
	Reserve for possible loan losses (D)	386,657	(60,996)	(30,826)	447,653	417,483
	Amount recoverable by guarantees, collateral and others (E)	953,002	(81,243)	(55,726)	1,034,245	1,008,728
						(%)
Coverage ratio (C) / (A)		85.15	(0.69)	3.72	85.84	81.43
Coverage ratio calculated with total reserve for  possible loan losses included in the numerator		112.30	(1.41)	2.30	113.71	110.00
						(%)
Reserve ratio to unsecured assets (D) / (A - E)		62.33	(2.35)	6.12	64.68	56.21
Reserve ratio calculated with total reserve for  possible loan losses included in the numerator		131.20	(3.01)	7.62	134.21	123.58

SMBC non-consolidated (Millions of yen, %)

		Sep. 30, 2013			Mar. 31, 2013	Sep. 30, 2012
		(a)	(a) - (b)	(a) - (c)	(b)	(c)
	Bankrupt and quasi-bankrupt assets	140,606	(4,832)	(6,854)	145,438	147,460
	Doubtful assets	636,949	(54,439)	(81,045)	691,388	717,994
	Substandard loans	248,725	(7,913)	(19,402)	256,638	268,127
Total (A)		1,026,281	(67,184)	(107,301)	1,093,465	1,133,582
	Normal assets	68,560,289	1,270,741	5,951,710	67,289,548	62,608,579
	Total (B)	69,586,570	1,203,557	5,844,408	68,383,013	63,742,162
Problem asset ratio (A/B)		1.47	(0.13)	(0.31)	1.60	1.78
Amount of direct reduction		338,638	(17,418)	(3,678)	356,056	342,316
Note: Problem assets based on the Financial Reconstruction Act include loans, acceptances and guarantees, suspense payments, and other credit-type assets.

		(Millions of yen)
		Sep. 30, 2013			Mar. 31, 2013	Sep. 30, 2012
		(a)	(a) - (b)	(a) - (c)	(b)	(c)
Total coverage (C)		926,105	(86,796)	(75,347)	1,012,901	1,001,452
	Reserve for possible loan losses* (D)	276,250	(50,750)	(40,282)	327,000	316,532
	Amount recoverable by guarantees, collateral and others (E)	649,854	(36,046)	(35,066)	685,900	684,920
* Sum of general reserve for substandard loans and specific reserve
						(%)
Coverage ratio (C) / (A)		90.24	(2.39)	1.90	92.63	88.34
Coverage ratio calculated with total reserve for  possible loan losses included in the numerator		114.97	(4.15)	0.04	119.12	114.93
						(%)
Reserve ratio to unsecured assets (D) / (A - E)		73.39	(6.84)	2.84	80.23	70.55
Reserve ratio calculated with total reserve for  possible loan losses included in the numerator		140.80	(10.49)	3.07	151.29	137.73

- 10 -

Sumitomo Mitsui Financial Group            

15. Results of Off-Balancing of Problem Assets

SMBC non-consolidated

(Billions of yen)

			Sep. 30, 2013  (a)				Mar. 31, 2013  (b)
				(a) - (b)	Problem assets newly classified during the six months ended Sep. 30, 2013	Amount of  off-balancing
	Bankrupt and quasi-bankrupt assets		140.6	(4.9)	14.3	(19.2)	145.5
	Doubtful assets		637.0	(54.4)	66.3	(120.7)	691.4
Total			777.6	(59.3)	80.6	(139.9)	836.9
Result of measures connected to off-balancing (*1)			108.6				114.0
		Breakdown of   off-balancing by factor (*2)	Disposition by borrowers’ liquidation			(7.2)
			Reconstructive disposition			(5.3)
			Improvement in debtors’ performance due to reconstructive disposition			-
			Loan sales to market			(26.8)
			Direct write-offs			20.4
			Others			(121.0)
				Collection / repayment, etc.		(92.6)
				Improvement in debtors’ performance		(28.4)
			Total			(139.9)

*1	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.
*2	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, %)
		Sep. 30, 2013				Mar. 31, 2013		Sep. 30, 2012
		(a)	Ratio	(a) - (b)	(a) - (c)	(b)	Ratio	(c)	Ratio
Domestic offices (excluding Japan offshore banking accounts)		47,789,150	100.0	195,807	1,695,975	47,593,343	100.0	46,093,175	100.0
	Manufacturing	5,688,821	11.9	63,999	245,806	5,624,822	11.8	5,443,015	11.8
	Agriculture, forestry, fisheries and mining	122,847	0.3	(24,741)	22,506	147,588	0.3	100,341	0.2
	Construction	689,218	1.4	(13,711)	(4,634)	702,929	1.5	693,852	1.5
	Transportation, communications and public enterprises	4,229,713	8.9	202,862	349,855	4,026,851	8.5	3,879,858	8.4
	Wholesale and retail	3,837,546	8.0	96,726	207,705	3,740,820	7.9	3,629,841	7.9
	Finance and insurance	6,513,088	13.6	259,472	721,858	6,253,616	13.1	5,791,230	12.5
	Real estate and goods rental and leasing	6,279,807	13.1	(54,536)	22,643	6,334,343	13.3	6,257,164	13.6
	Various services	3,543,462	7.4	46,658	416,384	3,496,804	7.3	3,127,078	6.8
	Municipalities	934,051	2.0	(58,182)	(19,616)	992,233	2.1	953,667	2.1
	Others	15,950,592	33.4	(322,741)	(266,532)	16,273,333	34.2	16,217,124	35.2
Overseas offices and Japan offshore banking accounts		13,050,258	100.0	872,839	3,310,432	12,177,419	100.0	9,739,826	100.0
	Public sector	26,228	0.2	(10,436)	(7,444)	36,664	0.3	33,672	0.3
	Financial institutions	1,043,127	8.0	143,723	307,098	899,404	7.4	736,029	7.6
	Commerce and industry	10,905,549	83.6	561,114	2,707,772	10,344,435	84.9	8,197,777	84.2
	Others	1,075,352	8.2	178,438	303,005	896,914	7.4	772,347	7.9
Total		60,839,409	-	1,068,646	5,006,407	59,770,763	-	55,833,002	-

Risk-monitored loans							(Millions of yen, %)
		Sep. 30, 2013				Mar. 31, 2013		Sep. 30, 2012
		(a)	Ratio	(a) - (b)	(a) - (c)	(b)	Ratio	(c)	Ratio
Domestic offices (excluding Japan offshore banking accounts)		950,022	100.0	(58,116)	(91,162)	1,008,138	100.0	1,041,184	100.0
	Manufacturing	119,901	12.6	(3,193)	(1,208)	123,094	12.2	121,109	11.6
	Agriculture, forestry, fisheries and mining	1,317	0.1	(1,614)	(1,789)	2,931	0.3	3,106	0.3
	Construction	50,869	5.4	(7,371)	(4,416)	58,240	5.8	55,285	5.3
	Transportation, communications and public enterprises	147,596	15.5	(8,293)	(23,154)	155,889	15.5	170,750	16.4
	Wholesale and retail	137,076	14.4	(4,037)	(6,800)	141,113	14.0	143,876	13.8
	Finance and insurance	6,230	0.7	(341)	(4,712)	6,571	0.6	10,942	1.1
	Real estate and goods rental and leasing	286,192	30.1	(17,358)	(16,654)	303,550	30.1	302,846	29.1
	Various services	111,735	11.8	(17,838)	(32,891)	129,573	12.9	144,626	13.9
	Municipalities	-	-	-	-	-	-	-	-
	Others	89,101	9.4	1,928	459	87,173	8.6	88,642	8.5
Overseas offices and Japan offshore banking accounts		51,148	100.0	(3,004)	(9,417)	54,152	100.0	60,565	100.0
	Public sector	-	-	-	-	-	-	-	-
	Financial institutions	-	-	-	(150)	-	-	150	0.2
	Commerce and industry	51,148	100.0	(3,004)	(9,267)	54,152	100.0	60,415	99.8
	Others	-	-	-	-	-	-	-	-
Total		1,001,170	-	(61,120)	(100,580)	1,062,290	-	1,101,750	-

- 12 -

Sumitomo Mitsui Financial Group            

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

SMBC non-consolidated			(Millions of yen, %)
			Sep. 30, 2013				Mar. 31, 2013	Sep. 30, 2012
			(a)	Reserve ratio	(a) - (b)	(a) - (c)	(b)	(c)
Domestic offices (excluding Japan offshore banking accounts)			973,633	75.6	(64,522)	(90,465)	1,038,155	1,064,098
	Manufacturing		125,835	65.2	(476)	275	126,311	125,560
	Agriculture, forestry, fisheries and mining		1,319	74.6	(1,650)	(1,792)	2,969	3,111
	Construction		50,972	68.6	(7,706)	(4,781)	58,678	55,753
	Transportation, communications and public enterprises		147,949	75.9	(8,472)	(23,255)	156,421	171,204
	Wholesale and retail		142,542	67.3	(3,603)	(7,986)	146,145	150,528
	Finance and insurance		7,002	89.4	(376)	(4,762)	7,378	11,764
	Real estate and goods rental and leasing		294,843	87.1	(25,704)	(13,556)	320,547	308,399
	Various services		112,370	67.5	(18,230)	(34,571)	130,600	146,941
	Municipalities		-	-	-	-	-	-
	Others		90,797	100.0	1,697	(36)	89,100	90,833
Overseas offices and Japan offshore banking accounts			52,647	56.6	(2,663)	(16,837)	55,310	69,484
	Public sector		-	-	-	-	-	-
	Financial institutions		-	-	-	(888)	-	888
	Commerce and industry		52,647	56.6	(2,663)	(15,948)	55,310	68,595
	Others		-	-	-	-	-	-
Total			1,026,281	73.4	(67,184)	(107,301)	1,093,465	1,133,582
Notes	1. Problem assets based on the Financial Reconstruction Act 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)
			Sep. 30, 2013			Mar. 31, 2013	Sep. 30, 2012
			(a)	(a) - (b)	(a) - (c)	(b)	(c)
Consumer loans			14,795,935	(159,909)	(222,362)	14,955,844	15,018,297
	Housing loans		13,926,449	(159,783)	(221,232)	14,086,232	14,147,681
		Self-residential purpose	11,117,631	(72,636)	(23,171)	11,190,267	11,140,802
	Other consumer loans		869,486	(126)	(1,130)	869,612	870,616
(4) Loans to small- and medium-sized enterprises, etc.
SMBC non-consolidated			(Millions of yen, %)
			Sep. 30, 2013			Mar. 31, 2013	Sep. 30, 2012
			(a)	(a) - (b)	(a) - (c)	(b)	(c)
Outstanding balance			32,673,105	(418,624)	(43,204)	33,091,729	32,716,309
Ratio to total loans			68.4	(1.1)	(2.6)	69.5	71.0
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)
	Sep. 30, 2013			Mar. 31, 2013	Sep. 30, 2012
	(a)	(a) - (b)	(a) - (c)	(b)	(c)
Loan balance	10,956	10,884	10,851	72	105
Number of countries	3	1	-	2	3

(2) Loans outstanding, classified by major domicile

		(Millions of yen, %)
		Sep. 30, 2013				Mar. 31, 2013		Sep. 30, 2012
		(a)	Ratio	(a) - (b)	(a) - (c)	(b)	Ratio	(c)	Ratio
Asia		4,376,963	31.7	345,810	1,089,093	4,031,153	31.5	3,287,870	31.6
	Indonesia	176,243	1.3	7,725	39,963	168,518	1.3	136,280	1.3
	Thailand	623,582	4.5	100,371	242,476	523,211	4.1	381,106	3.7
	Korea	222,509	1.6	(55,673)	(50,397)	278,182	2.2	272,906	2.6
	Hong Kong	1,209,465	8.8	124,658	311,343	1,084,807	8.5	898,122	8.6
	China	297,020	2.2	50,405	69,695	246,615	1.9	227,325	2.2
	Singapore	944,636	6.8	(1,151)	203,635	945,787	7.4	741,001	7.1
	India	336,661	2.4	37,547	93,857	299,114	2.3	242,804	2.4
	Others	566,847	4.1	81,928	178,525	484,919	3.8	388,322	3.7
Oceania		1,030,009	7.5	76,273	311,589	953,736	7.5	718,420	6.9
North America		3,929,361	28.5	211,678	993,725	3,717,683	29.0	2,935,636	28.2
Central and South America		1,126,145	8.2	19,547	161,614	1,106,598	8.6	964,531	9.3
	Brazil	171,826	1.3	6,517	36,120	165,309	1.3	135,706	1.3
	Panama	590,272	4.3	(1,584)	16,810	591,856	4.6	573,462	5.5
	Others	364,047	2.6	14,614	108,685	349,433	2.7	255,362	2.5
Western Europe		2,063,712	14.9	214,661	520,184	1,849,051	14.4	1,543,528	14.8
Eastern Europe		572,762	4.1	63,080	179,222	509,682	4.0	393,540	3.8
	Russia	500,511	3.6	44,577	140,186	455,934	3.6	360,325	3.5
	Others	72,251	0.5	18,503	39,036	53,748	0.4	33,215	0.3
Others		705,996	5.1	61,227	146,108	644,769	5.0	559,888	5.4
Total		13,804,948	100.0	992,276	3,401,532	12,812,672	100.0	10,403,416	100.0
Note:     Classified by domicile of debtors.

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

(Millions of yen, %)

		Sep. 30, 2013				Mar. 31, 2013	Sep. 30, 2012
		(a)	Reserve ratio	(a) - (b)	(a) - (c)	(b)	(c)
Overseas offices and Japan offshore banking accounts		52,647	56.6	(2,663)	(16,837)	55,310	69,484
	Asia	4,599	59.0	294	(3,431)	4,305	8,030
	Oceania	-	-	-	-	-	-
	North America	2,321	76.6	(7,374)	(21,274)	9,695	23,595
	Central and South America	6,516	71.3	2,619	3,588	3,897	2,928
	Western Europe	3,639	59.7	(113)	(2,966)	3,752	6,605
	Eastern Europe	-	-	-	(150)	-	150
	Others	35,571	54.5	1,912	7,398	33,659	28,173

Notes	1.	Problem assets based on the Financial Reconstruction Act 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.

- 14 -

Sumitomo Mitsui Financial Group            

18. Balance of deposits and Loans

SMBC non-consolidated

(1) Balance of deposits and loans

(Millions of yen, %)

		Six months ended   Sep. 30, 2013   (a)						FY3/2013 (b)			Six months ended Sep. 30, 2012 (c)
			(a) - (b)			(a) - (c)
Deposits (period-end balance)		81,241,588		1,235,150			6,087,627		80,006,438		75,153,961
Deposits (average balance)		78,785,004		3,478,250			5,079,365		75,306,754		73,705,639
	Domestic units	68,418,493		2,017,872			2,412,985		66,400,621		66,005,508
Loans (period-end balance)		60,839,409		1,068,646			5,006,407		59,770,763		55,833,002
Loans (average balance)		60,371,663		2,202,342			4,566,978		58,169,321		55,804,685
	Domestic units	45,087,646		639,200			595,532		44,448,446		44,492,114
Note:    Deposits do not include “negotiable certificates of deposit.”
(2) Balance of deposits, classified by type of depositor
(Millions of yen)
		Sep. 30, 2013   (a)							Mar. 31, 2013 (b)		Sep. 30, 2012 (c)
				(a) - (b)			(a) - (c)
Domestic deposits		72,844,285		196,885			3,280,247		72,647,400		69,564,038
	Individual	39,632,637		804,914			1,510,522		38,827,723		38,122,115
	Corporate	33,211,648		(608,029	)		1,769,725		33,819,677		31,441,923
Note:    The figures above exclude negotiable certificates of deposit and Japan offshore banking accounts.
Reference											(Billions of yen)
		Sep. 30, 2013   (a)							Mar. 31, 2013 (b)		Sep. 30, 2012 (c)
				(a) - (b)			(a) - (c)
Balance of investment trusts		3,008.9		(23.0	)		488.0		3,031.9		2,520.9
	Balance to individuals	2,657.2		(29.0	)		430.9		2,686.2		2,226.3
Note:    Balance of investment trusts is recognized on a contract basis and measured according to each fund’s net asset balance at the period-end.
									(Billions of yen	)
		Six months ended Sep. 30, 2013   (a)					Six months ended Sep. 30, 2012   (b)		FY3/2013
				(a) - (b)
Sales of investment trusts to individuals		577.8		241.3			336.5		1,106.5
Sales of pension-type insurance		43.9		(14.5	)		58.4		87.3

- 15 -

Sumitomo Mitsui Financial Group            

19. Deferred tax assets and liabilities

(Billions of yen)

SMBC Non-consolidated
					Sep. 30, 2013			Change from Mar. 31, 2013			Mar. 31, 2013
(a) Total deferred tax assets			(b-c)	1		450.7			(56.4	)		507.1
	(b)	Subtotal of deferred tax assets		2		809.1			(68.2	)		877.3
		Reserve for possible loan losses and write-off of loans		3		291.2			(42.1	)		333.3
		Taxable write-off of securities		4		310.8			(51.8	)		362.6
		Reserve for employee retirement benefits		5		45.9			(1.3	)		47.2
		Others		6		161.2			27.0			134.2
	(c)	Valuation allowance		7		358.4			(11.8	)		370.2
(d)	Total deferred tax liabilities			8		388.5			67.3			321.2
	Gain on securities contributed to employee retirement benefits trust			9		36.2			-			36.2
	Net unrealized gains on other securities			10		332.3			67.5			264.8
	Others			11		20.0			(0.2	)		20.2
Net deferred tax assets			(a-d)	12		62.2			(123.7	)		185.9
	Amount corresponding to Net deferred losses on hedges included in line 6			13		32.9			16.5			16.4
	Amount corresponding to Net unrealized gains on other securities shown in line 10			14		(331.1	)		(62.6	)		(268.5	)
	Net deferred tax assets excluding the amount shown in line 13 and 14			15		360.4			(77.6	)		438.0

SMBC recognized deferred tax assets pursuant to the practical guidelines on assessing the collectability of deferred tax assets issued by the JICPA (*). SMBC is considered to be a company showing stable financial performance, which is classified under examples (2).

(*)JICPA Auditing Committee Report No.66

“Auditing Treatment Regarding Judgment of Realizability of Deferred Tax Assets”

Reference: Income of final return before deducting operating loss carryforwards for the last 3 years

			(Billions of yen)
	FY3/2011	FY3/2012	FY3/2013	1H, FY3/2014
Income of final return before deducting operating loss carryforwards	637.8	310.3	658.4	314.2

Note:    The figure for 1H, FY3/2014 was estimated in interim closing.

- 16 -

Sumitomo Mitsui Financial Group            

20. Earnings and dividends forecast for FY3/2014

(1) Earnings

Consolidated		(Billions of yen)
		FY3/2014				FY3/2013
		Forecast		Change		Result
Ordinary profit		1,280.0		206.3		1,073.7
Net income		750.0		(44.1	)	794.1
Reference:
SMBC non-consolidated		(Billions of yen)
		FY3/2014				FY3/2013
		Forecast		Change		Result
	Gross banking profit	1,540.0		(0.1	)	1,540.1
	Expenses	(740.0	)	(12.3	)	(727.7)
Banking profit (before provision for general reserve for possible loan losses)		800.0		(12.4	)	812.4
Total credit cost		50.0		69.5		(19.5)
Ordinary profit		810.0		139.1		670.9
Net income		510.0		(107.8	)	617.8
(2) Dividends
						(Yen)
		FY3/2014				FY3/2013
		Interim		Annual (Forecast)
Dividend per share for common stock		55		120		120
Note:    Dividend per share for common stock for FY3/2013 includes commemorative dividend of 10 yen per share for SMFG’s 10th anniversary.
Reference:				(Billions of yen)
		FY3/2014				FY3/2013
		Interim		Annual (Forecast)
Total dividend		77.6		169.2		169.2

- 17 -

Sumitomo Mitsui Financial Group            

Reference 1: FY3/2014 management policy and topics in 1H, FY3/2014

- 18 -

Sumitomo Mitsui Financial Group            

Reference 2: Financial Statements of SMBC

1. Condensed balance sheet

SMBC non-consolidated (Millions of yen)

	September 30,   2013 (A)		September 30,   2012 (B)		Change (A-B)		March 31,  2013 (C)		Change  (A-C)
Assets
Cash and due from banks	22,371,159		6,163,479		16,207,680		9,416,357		12,954,802
Call loans	345,105		391,110		(46,005	)	487,175		(142,070	)
Receivables under resale agreements	244,394		135,025		109,369		229,826		14,568
Receivables under securities borrowing transactions	741,472		859,735		(118,263	)	701,890		39,582
Bills bought	39,411		14,264		25,147		27,792		11,619
Monetary claims bought	779,242		619,433		159,809		795,514		(16,272	)
Trading assets	3,532,413		4,221,406		(688,993	)	4,085,739		(553,326	)
Money held in trust	2,399		5,528		(3,129	)	2,372		27
Securities	27,985,221		39,926,969		(11,941,748	)	41,347,000		(13,361,779	)
Loans and bills discounted	60,839,409		55,833,002		5,006,407		59,770,763		1,068,646
Foreign exchanges	1,470,994		1,163,896		307,098		1,319,175		151,819
Other assets	1,640,040		2,141,885		(501,845	)	1,894,382		(254,342	)
Tangible fixed assets	739,398		719,785		19,613		733,157		6,241
Intangible fixed assets	169,708		154,787		14,921		167,159		2,549
Deferred tax assets	62,223		247,223		(185,000	)	185,941		(123,718	)
Customers’ liabilities for acceptances and guarantees	5,387,422		4,488,875		898,547		5,391,645		(4,223	)
Reserve for possible loan losses	(530,017	)	(617,955	)	87,938		(616,593	)	86,576
Reserve for possible losses on investments	(90,934	)	(32,970	)	(57,964	)	(29,280	)	(61,654	)
Total assets	125,729,064		116,435,483		9,293,581		125,910,020		(180,956	)
Liabilities
Deposits	81,241,588		75,153,961		6,087,627		80,006,438		1,235,150
Negotiable certificates of deposit	11,897,351		10,556,395		1,340,956		11,921,899		(24,548	)
Call money	1,662,525		1,705,571		(43,046	)	2,450,065		(787,540	)
Payables under repurchase agreements	1,238,024		920,359		317,665		1,704,650		(466,626	)
Payables under securities lending transactions	1,695,034		2,637,544		(942,510	)	2,654,478		(959,444	)
Commercial paper	1,905,945		1,406,266		499,679		1,499,499		406,446
Trading liabilities	2,915,357		3,855,614		(940,257	)	3,590,373		(675,016	)
Borrowed money	3,705,779		2,748,237		957,542		2,963,075		742,704
Foreign exchanges	421,150		369,807		51,343		351,885		69,265
Short-term bonds	25,000		13,000		12,000		20,000		5,000
Bonds	4,241,796		4,137,134		104,662		4,277,003		(35,207	)
Due to trust account	681,721		513,582		168,139		643,350		38,371
Other liabilities	1,673,308		2,029,113		(355,805	)	1,817,920		(144,612	)
Reserve for employee bonuses	11,312		10,352		960		11,436		(124	)
Reserve for executive bonuses	-		-		-		665		(665	)
Reserve for point service program	929		1,168		(239	)	1,945		(1,016	)
Reserve for reimbursement of deposits	7,617		6,935		682		10,050		(2,433	)
Deferred tax liabilities for land revaluation	38,230		39,335		(1,105	)	39,190		(960	)
Acceptances and guarantees	5,387,422		4,488,875		898,547		5,391,645		(4,223	)
Total liabilities	118,750,095		110,593,255		8,156,840		119,355,573		(605,478	)
Net assets
Capital stock	1,770,996		1,770,996		-		1,770,996		-
Capital surplus	2,481,273		2,481,273		-		2,481,273		-
Capital reserve	1,771,043		1,771,043		-		1,771,043		-
Other capital surplus	710,229		710,229		-		710,229		-
Retained earnings	2,000,804		1,470,306		530,498		1,720,728		280,076
Other retained earnings	2,000,804		1,470,306		530,498		1,720,728		280,076
Voluntary reserve for retirement allowances	1,656		1,656		-		1,656		-
Voluntary reserve	219,845		219,845		-		219,845		-
Retained earnings brought forward	1,779,303		1,248,805		530,498		1,499,226		280,077
Treasury stock	(210,003	)	(210,003	)	-		(210,003	)	-
Total stockholders’ equity	6,043,071		5,512,573		530,498		5,762,995		280,076
Net unrealized gains (losses) on other securities	925,454		150,401		775,053		742,338		183,116
Net deferred gains (losses) on hedges	(13,870	)	153,288		(167,158	)	23,301		(37,171	)
Land revaluation excess	24,312		25,964		(1,652	)	25,810		(1,498	)
Total valuation and translation adjustments	935,897		329,654		606,243		791,451		144,446
Total net assets	6,978,968		5,842,228		1,136,740		6,554,446		424,522
Total liabilities and net assets	125,729,064		116,435,483		9,293,581		125,910,020		(180,956	)

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

- 19 -

Sumitomo Mitsui Financial Group            

2. Condensed income statement

  SMBC non-consolidated (Millions of yen)

	Six months ended         Sep. 30, 2013 (A)		Six months  ended         Sep. 30, 2012 (B)			Change   (A-B)			FY3/2013
Ordinary income		1,249,385		1,087,154			162,231			2,121,369
Interest income		721,908		618,192			103,716			1,270,673
Interest on loans and discounts		466,005		458,412			7,593			954,116
Interest and dividends on securities		215,827		128,238			87,589			245,917
Trust fees		1,052		1,000			52			1,823
Fees and commissions		244,556		214,810			29,746			489,310
Trading income		26,156		50,140			(23,984	)		5,780
Other operating income		89,348		141,464			(52,116	)		278,366
Other income		166,362		61,546			104,816			75,414
Ordinary expenses		725,822		812,626			(86,804	)		1,450,516
Interest expenses		150,960		143,426			7,534			299,478
Interest on deposits		31,198		29,723			1,475			60,491
Fees and commissions payments		80,724		73,693			7,031			145,572
Trading losses		664		295			369			9,562
Other operating expenses		28,820		21,472			7,348			51,254
General and administrative expenses		385,907		370,194			15,713			759,295
Other expenses		78,744		203,543			(124,799	)		185,354
Ordinary profit		523,562		274,528			249,034			670,852
Extraordinary gains		1,175		1			1,174			42
Extraordinary losses		2,212		2,333			(121	)		5,494
Income before income taxes		522,525		272,195			250,330			665,400
Income taxes - current		115,700		68,771			46,929			209,704
Income taxes - deferred		76,610		(36,282	)		112,892			(162,095	)
Total income taxes		192,310		32,489			159,821			47,609
Net income		330,214		239,706			90,508			617,791

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

- 20 -

Sumitomo Mitsui Financial Group            

3. Statement of changes in net assets

SMBC non-consolidated

Six months ended September 30, 2013 (Millions of yen)

			Capital surplus						Retained earnings
	Capital stock		Capital reserve			Other capital surplus			Other retained earnings								Treasury   stock			Total     stockholders’    equity
									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			1,499,226			(210,003	)		5,762,995
Changes in the period
Cash dividends															(51,636	)					(51,636	)
Net income															330,214						330,214
Reversal of land revaluation excess															1,498						1,498
Net changes in items other than stockholders’ equity in the period
Net changes in the period		-		-			-			-		-			280,076			-			280,076
Balance at the end of the period		1,770,996		1,771,043			710,229			1,656		219,845			1,779,303			(210,003	)		6,043,071
		(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		742,338		23,301			25,810			791,451		6,554,446
Changes in the period
Cash dividends												(51,636	)
Net income												330,214
Reversal of land revaluation excess												1,498
Net changes in items other than stockholders’ equity in the period		183,115		(37,171	)		(1,498	)		144,445		144,445
Net changes in the period		183,115		(37,171	)		(1,498	)		144,445		424,522
Balance at the end of the period		925,454		(13,870	)		24,312			935,897		6,978,968

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

- 21 -

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)
			Type	Sep. 30, 2013
				Balance sheet amount	Fair  value	Net unrealized gains (losses)
Bonds whose fair value    is above the balance sheet amount		Japanese government bonds		4,613,193	4,651,427	38,234
		Japanese local government bonds		52,136	52,992	856
		Japanese corporate bonds		74,531	75,819	1,287
		Subtotal		4,739,860	4,780,239	40,378
Bonds whose fair value    is below the balance sheet amount		Japanese government bonds		269,743	268,920	(823)
		Japanese local government bonds		-	-	-
		Japanese corporate bonds		-	-	-
		Subtotal		269,743	268,920	(823)
			Total	5,009,604	5,049,159	39,555
(2) Investments in subsidiaries and affiliates
			(Millions of yen)
			Sep. 30, 2013
		Balance sheet amount		Fair value	Net unrealized gains (losses)
Stocks of subsidiaries			60,577	44,598	(15,979)
Stocks of affiliates			128,176	82,643	(45,533)
Total			188,753	127,241	(61,512)
Note:    Stocks of subsidiaries and affiliates whose fair value is extremely difficult to determine and the amounts of which are not included in the table above are as follows.
			(Millions of yen)
			Balance sheet amount
	Stocks of subsidiaries		2,618,597
	Stocks of affiliates		151,098
	Others		27,375
	Total		2,797,071

(3) Other securities
				(Millions of yen)
			Type	Sep. 30, 2013
				Balance sheet amount	Acquisition cost	Net unrealized  gains (losses)
Securities whose    balance sheet amount    is above the    acquisition cost		Stocks		2,653,984	1,440,573	1,213,410
		Bonds		8,135,412	8,070,538	64,873
			Japanese government bonds	6,019,374	5,995,973	23,401
			Japanese local government bonds	6,556	6,452	103
			Japanese corporate bonds	2,109,481	2,068,112	41,368
		Others		2,344,893	2,194,836	150,056
		Subtotal		13,134,289	11,705,948	1,428,341
Securities whose    balance sheet amount    is below the    acquisition cost		Stocks		297,872	360,362	(62,490)
		Bonds		3,985,369	3,988,140	(2,770)
			Japanese government bonds	3,837,411	3,838,483	(1,071)
			Japanese local government bonds	3,770	3,774	(3)
			Japanese corporate bonds	144,187	145,883	(1,695)
		Others		2,577,700	2,630,462	(52,762)
		Subtotal		6,860,942	6,978,966	(118,023)
			Total	19,995,231	18,684,914	1,310,317
Notes	1.  Net unrealized gains (losses) on Other securities shown above include gains of 53,774 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 and the amounts of which are not included in the table above are as follows.
				(Millions of yen)
				Balance sheet amount
	Stocks			199,006
	Others			319,421
	Total			518,427

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Sumitomo Mitsui Financial Group            

(4) Write-down of securities

Securities other than those classified as trading purpose (excluding securities whose fair value is extremely difficult to determine) 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 1,265 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)

SMBC Non-consolidated				(Millions of yen)
	September 30, 2013
	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	2,399	2,356	43	43	-

Reference 3: Exposure to securitized products
1. Securitized Products	Managerial accounting basis

Consolidated									(Billions of yen)
		September 30, 2013						March 31, 2013
		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)
			Change  from  Mar. 2013	Overseas	Change  from  Mar. 2013		Change  from  Mar. 2013		Overseas
	Cards, etc.	103.0	5.2	86.3	(11.5)	0.6	0.3	97.8	97.8	0.4
	CLO	0.6	0.0	0.6	0.0	2.0	(0.1)	0.5	0.5	2.1
	CMBS	8.8	0.3	8.8	0.3	0.5	0.0	8.5	8.5	0.5
	RMBS, etc.	13.1	13.0	13.1	13.0	0.3	0.1	0.1	0.1	0.2
	Total	125.4	18.5	108.7	1.8	3.4	0.2	106.9	106.9	3.2

Notes	1.	There is no amount of ABCP.
	2.	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.

2. Leveraged loans

Consolidated						(Billions of yen)
		September 30, 2013				March 31, 2013
		Loans	Change from Mar. 2013	Undrawn  commitments	Change from Mar. 2013	Loans	Undrawn commitments
	Europe	135.7	26.4	23.7	7.0	109.4	16.6
	Japan	210.8	30.0	33.4	(2.8)	180.8	36.2
	United States	114.1	40.3	92.7	16.1	73.8	76.5
	Asia (ex. Japan)	61.7	1.9	6.5	0.9	59.8	5.6
	Total	522.3	98.5	156.2	21.2	423.8	135.0

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