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 2016

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/ Takeshi Mikami
	Name:	Takeshi Mikami
	Title:	General Manager, Financial Accounting Dept.

Date:    May 13, 2016

Financial Results

Fiscal Year 3/2016

  - Supplementary Information -  

Sumitomo Mitsui Financial Group, Inc.

Sumitomo Mitsui Banking Corporation

Table of contents

Page

1.	Income analysis	Consolidated	Non-consolidated	…	1
2.	Interest spread (domestic)		Non-consolidated	…	3
3.	Gains (losses) on securities		Non-consolidated	…	3
4.	Unrealized gains (losses) on securities	Consolidated	Non-consolidated	…	4
5.	Balance of securities, classified by maturity		Non-consolidated	…	5
6.	Overview of derivative transactions (under deferred hedge accounting)		Non-consolidated	…	5
7.	Employee retirement benefits	Consolidated	Non-consolidated	…	6
8.	Classification based on self-assessment and the Financial Reconstruction Act, and write-offs / reserves		Non-consolidated	…	7
9.	Risk-monitored loans	Consolidated	Non-consolidated	…	8
10.	Reserve for possible loan losses and reserve ratio	Consolidated	Non-consolidated	…	8
11.	Non-performing loans (NPLs) based on the Financial Reconstruction Act and coverage	Consolidated	Non-consolidated	…	9
12.	Results of off-balancing of NPLs		Non-consolidated	…	10
13.	Loan portfolio, classified by industry		Non-consolidated	…	11
14.	Loan portfolio, classified by country		Non-consolidated	…	13
15.	Balance of deposits and loans		Non-consolidated	…	14
16.	Deferred tax assets and liabilities		Non-consolidated	…	15
17.	Capital ratio (BIS guidelines)	Consolidated	Non-consolidated	…	16
18.	ROE	Consolidated		…	16
19.	Earnings targets and dividends forecast for FY3/2017	Consolidated	Non-consolidated	…	17
Reference 1: Financial statements of SMBC			Non-consolidated	…	18
Reference 2: Exposure to securitized products		Consolidated		…	22

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 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

 1. Income analysis

Consolidated							(Millions of yen)
					FY3/2016		FY3/2015
						Change
Consolidated gross profit				1	2,903,964	(76,439)	2,980,403
	Net interest income			2	1,422,928	(82,250)	1,505,178
	Trust fees			3	3,681	791	2,890
	Net fees and commissions			4	1,003,838	7,162	996,676
	Net trading income			5	225,481	30,362	195,119
	Net other operating income			6	248,034	(32,504)	280,538
General and administrative expenses				7	(1,724,836)	(65,495)	(1,659,341)
Equity in gains (losses) of affiliates				8	(36,196)	(25,596)	(10,600)
Consolidated net business profit				9	1,142,931	(167,530)	1,310,461
Total credit cost				10	(102,820)	(94,973)	(7,847)
	Credit costs			11	(122,555)	(37,570)	(84,985)
		Write-off of loans		12	(74,180)	2,817	(76,997)
		Provision for reserve for possible loan losses		13	(34,842)	(34,842)	-
		Others		14	(13,533)	(5,545)	(7,988)
	Gains on reversal of reserve for possible loan losses			15	-	(61,158)	61,158
	Recoveries of written-off claims			16	19,735	3,756	15,979
Gains (losses) on stocks				17	69,036	2,343	66,693
Other income (expenses)				18	(123,862)	(75,711)	(48,151)
Ordinary profit				19	985,284	(335,872)	1,321,156
Extraordinary gains (losses)				20	(5,114)	6,664	(11,778)
	Gains (losses) on disposal of fixed assets			21	(575)	5,740	(6,315)
	Losses on impairment of fixed assets			22	(4,362)	747	(5,109)
Income before income taxes				23	980,170	(329,207)	1,309,377
Income taxes  -  current				24	(244,223)	81,118	(325,341)
Income taxes  -  deferred				25	19,175	135,195	(116,020)
Profit				26	755,123	(112,892)	868,015
Profit attributable to non-controlling interests				27	(108,435)	5,970	(114,405)
Profit attributable to owners of parent				28	646,687	(106,923)	753,610
Notes			1.    Amounts less than 1 million yen are rounded down. Figures in parenthesis indicate the amount of loss or decrease.
			2.    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)
			3.    Representation of several accounting items was revised from FY3/2016.  For example, “Net income” was changed to “Profit attributable to owners of parent.”
			Number of consolidated subsidiaries and affiliates
					Mar. 31, 2016		Mar. 31, 2015
						Change
			Consolidated subsidiaries	29	341	24	317
			Equity method affiliates	30	59	9	50

- 1 -

Sumitomo Mitsui Financial Group

SMBC non-consolidated				(Millions of yen)
				FY3/2016		FY3/2015
					Change
Gross banking profit			1	1,534,271	(100,013)	1,634,284
	Gross domestic profit		2	1,030,162	(67,562)	1,097,724
		Net interest income	3	787,611	(75,927)	863,538
		Trust fees	4	2,550	709	1,841
		Net fees and commissions	5	220,993	5,423	215,570
		Net trading income	6	5,102	1,722	3,380
		Net other operating income	7	13,903	510	13,393
		Gains (losses) on bonds	8	3,390	49	3,341
	Gross international profit		9	504,108	(32,452)	536,560
		Net interest income	10	235,964	(21,926)	257,890
		Net fees and commissions	11	137,564	3,124	134,440
		Net trading income	12	61,491	52,073	9,418
		Net other operating income	13	69,089	(65,721)	134,810
		Gains (losses) on bonds	14	50,613	6,055	44,558
Expenses (excluding non-recurring losses)			15	(805,483)	(14,272)	(791,211)
Overhead ratio			16	52.5%	4.1%	48.4%
	Personnel expenses		17	(322,538)	(9,958)	(312,580)
	Non-personnel expenses		18	(436,315)	(544)	(435,771)
	Taxes		19	(46,629)	(3,770)	(42,859)
Banking profit (before provision for general reserve for possible loan losses)			20	728,787	(114,286)	843,073
Gains (losses) on bonds			21	54,003	6,104	47,899
Provision for general reserve for possible loan losses			22	-	-	-
Banking profit			23	728,787	(114,286)	843,073
Non-recurring gains (losses)			24	19,105	(93,814)	112,919
	Credit costs		25	(13,199)	(8,006)	(5,193)
	Gains on reversal of reserve for possible loan losses		26	6,788	(72,221)	79,009
	Recoveries of written-off claims		27	9,629	3,303	6,326
	Gains (losses) on stocks		28	35,314	(17,268)	52,582
	Other non-recurring gains (losses)		29	(19,426)	379	(19,805)
Ordinary profit			30	747,892	(208,100)	955,992
Extraordinary gains (losses)			31	(1,672)	6,672	(8,344)
	Gains (losses) on disposal of fixed assets		32	1,017	5,928	(4,911)
	Losses on impairment of fixed assets		33	(2,689)	743	(3,432)
Income before income taxes			34	746,219	(201,429)	947,648
Income taxes - current			35	(170,558)	54,287	(224,845)
Income taxes - deferred			36	33,509	113,296	(79,787)
Net income			37	609,171	(33,844)	643,015
Total credit cost (22+25+26+27)			38	3,217	(76,925)	80,142
	Provision for general reserve for possible loan losses		39	4,599	(86,929)	91,528
	Write-off of loans		40	(805)	(388)	(417)
	Provision for specific reserve for possible loan losses		41	2,649	15,196	(12,547)
	Losses on sales of delinquent loans		42	(12,394)	(7,618)	(4,776)
	Provision for loan loss reserve for specific overseas countries		43	(460)	(488)	28
	Recoveries of written-off claims		44	9,629	3,303	6,326
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. Interest spread (domestic)

 SMBC non-consolidated (%) 

			FY3/2016		Six months ended Sep. 30, 2015		Six months ended Mar. 31, 2016		FY3/2015
Yield on interest earning assets (A)				1.19		1.30		1.07		1.31
	Interest earned on loans and bills discounted (C)			1.24		1.24		1.23		1.32
	Interest earned on securities			1.26		1.61		0.85		1.43
Total cost of funding (including expenses) (B)				0.74		0.73		0.75		0.79
	Cost of interest bearing liabilities			0.07		0.06		0.07		0.07
		Interest paid on deposits, etc. (D)		0.03		0.03		0.03		0.03
		Interest paid on other liabilities		0.19		0.16		0.23		0.14
	Expense ratio			0.67		0.67		0.68		0.72
Overall interest spread (A) - (B)				0.45		0.57		0.32		0.52
	Interest spread (C) - (D)			1.21		1.21		1.20		1.29

 3. Gains (losses) on securities

 SMBC non-consolidated (Millions of yen) 

		FY3/2016			Change			FY3/2015
Gains (losses) on bonds			54,003			6,104		47,899
	Gains on sales		86,731			18,325		68,406
	Losses on sales		(10,478	)		9,701		(20,179)
	Gains on redemption		0			(3	)	3
	Losses on redemption		(22,248	)		(21,918	)	(330)
	Losses on devaluation		-			-		-
Gains (losses) on stocks			35,314			(17,268	)	52,582
	Gains on sales		89,531			21,234		68,297
	Losses on sales		(18,129	)		(15,116	)	(3,013)
	Losses on devaluation		(36,087	)		(23,385	)	(12,702)

- 3 -

Sumitomo Mitsui Financial Group

4. Unrealized gains (losses) on securities

Consolidated										(Millions of yen)
					Mar. 31, 2016					Mar. 31, 2015
					Balance sheet   amount	Net unrealized gains (losses)				Balance sheet   amount	Net unrealized gains (losses) (b)
						(a)	(a) - (b)	Gains	Losses
	Held-to-maturity securities			1	2,267,598	16,568	(4,012)	16,572	3	3,397,151	20,580
	Other securities			2	23,133,426	1,907,512	(697,473)	2,025,258	117,745	26,263,425	2,604,985
		Stocks		3	3,511,883	1,573,001	(481,307)	1,622,980	49,979	4,065,999	2,054,308
		Bonds		4	10,893,090	109,186	59,158	111,410	2,223	13,699,561	50,028
			Japanese government bonds	5	8,105,050	62,439	49,471	62,842	402	11,007,006	12,968
		Others		6	8,728,452	225,325	(275,324)	290,867	65,542	8,497,864	500,649
			Foreign bonds	7	6,484,214	25,251	(3,979)	36,659	11,408	5,633,955	29,230
	Other money held in trust			8	5,163	-	-	-	-	7,087	-
	Total			9	25,406,188	1,924,081	(701,485)	2,041,830	117,749	29,667,664	2,625,566
		Stocks		10	3,511,883	1,573,001	(481,307)	1,622,980	49,979	4,065,999	2,054,308
		Bonds		11	13,160,688	125,755	55,146	127,982	2,227	17,096,713	70,609
		Others		12	8,733,616	225,325	(275,324)	290,867	65,542	8,504,952	500,649
SMBC non-consolidated										(Millions of yen)
					Mar. 31, 2016					Mar. 31, 2015
					Balance sheet   amount	Net unrealized gains (losses)				Balance sheet   amount	Net unrealized gains (losses) (b)
						(a)	(a) - (b)	Gains	Losses
	Held-to-maturity securities			13	1,980,811	13,795	(6,659)	13,795	-	3,352,592	20,454
	Stocks of subsidiaries and affiliates			14	3,579,632	(34,892)	23,634	5,927	40,820	3,414,839	(58,526)
	Other securities			15	20,717,533	1,668,669	(724,112)	1,776,794	108,125	23,774,009	2,392,781
		Stocks		16	3,400,301	1,487,463	(502,250)	1,533,765	46,301	3,970,914	1,989,713
		Bonds		17	10,290,243	103,769	57,901	105,925	2,155	13,036,709	45,868
			Japanese government bonds	18	7,816,547	59,880	48,749	60,283	402	10,687,062	11,131
		Others		19	7,026,988	77,436	(279,764)	137,103	59,667	6,766,385	357,200
			Foreign bonds	20	5,153,769	20,235	(10,085)	28,908	8,673	4,238,647	30,320
	Total			21	26,277,977	1,647,572	(707,137)	1,796,517	148,945	30,541,441	2,354,709
		Stocks		22	4,642,919	1,477,140	(509,717)	1,539,693	62,552	5,180,246	1,986,857
		Bonds		23	12,271,054	117,565	51,243	119,720	2,155	16,389,301	66,322
		Others		24	9,364,003	52,866	(248,663)	137,103	84,237	8,971,892	301,529

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. The 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 (losses) which are recognized in the statements of income by applying fair value hedge accounting and accordingly not recorded directly to Net assets. Gains of 871 million yen and 29,870 million yen were recognized in the statements of income as of March 31, 2016 and March 31, 2015, respectively.
	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

5. 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, 2016										Mar. 31, 2015
		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			2,778.0		8,507.4		591.0		394.6		12,271.1		3,273.9		12,200.4		848.2		66.7	16,389.3
	Japanese government bonds		2,522.7		7,021.7		-		252.9		9,797.4		2,988.1		10,641.9		340.1		-	13,970.1
	Japanese local government bonds		-		4.6		3.1		0.0		7.7		31.9		0.1		0.5		0.0	32.6
	Japanese corporate bonds		255.3		1,481.1		587.9		141.7		2,466.0		253.9		1,558.4		507.7		66.7	2,386.6
Others			1,424.4		1,416.8		1,282.1		1,382.8		5,506.1		1,163.4		1,706.3		1,283.6		715.0	4,868.2
Total			4,202.4		9,924.1		1,873.1		1,777.5		17,777.1		4,437.3		13,906.7		2,131.8		781.7	21,257.5

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

SMBC non-consolidated								(Billions of yen)
		Mar. 31, 2016				Mar. 31, 2015
				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	313.6	163.2	150.4	108.1	230.6	163.2	67.4	12.2
	Currency swaps	117.7	482.3	(364.6)	11.5	139.1	1,051.7	(912.6)	(32.8)
	Others	4.6	0.9	3.7	(41.1)	0.1	5.1	(5.0)	(114.3)
Total		435.9	646.4	(210.5)	78.6	369.8	1,220.0	(850.2)	(135.0)

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.

Reference: Notional amount of interest rate swaps (under deferred hedge accounting), classified by remaining maturity

(Billions of yen)

		Mar. 31, 2016				Mar. 31, 2015
		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	2,932.0	20,282.4	7,379.1	30,593.5	4,581.1	18,837.9	7,606.3	31,025.3
	Receivable floating rate / payable fixed rate	1,188.5	9,133.5	6,205.4	16,527.5	1,501.4	7,384.3	7,360.5	16,246.2
	Receivable floating rate / payable floating rate	-	-	-	-	3.6	-	-	3.6
Total		4,120.5	29,415.9	13,584.5	47,120.9	6,086.1	26,222.2	14,966.8	47,275.1

- 5 -

Sumitomo Mitsui Financial Group

7. Employee retirement benefits

Consolidated

(1) Projected benefit obligation

(Millions of yen)

			Mar. 31, 2016		Mar. 31, 2015
				Change
Fair value of plan assets		(A)	1,357,175	(64,093)	1,421,268
Projected benefit obligation		(B)	1,202,471	119,362	1,083,109
Net surplus (deficit)		(A-B)	154,704	(183,455)	338,159
	Net defined benefit asset		203,274	(172,981)	376,255
	Net defined benefit liability		48,570	10,474	38,096
Measurements of defined benefit plans (before tax effect deduction)			103,824	174,418	(70,594)
	Unrecognized prior service cost (deductible from the obligation)		(808)	148	(956)
	Unrecognized net actuarial gain (loss)		104,633	174,270	(69,637)
(2) Retirement benefit expenses
(Millions of yen)
			FY3/2016		FY3/2015
				Change
Retirement benefit expenses			50,355	3,183	47,172
SMBC non-consolidated
(1) Projected benefit obligation
					(Millions of yen)
			Mar. 31, 2016		Mar. 31, 2015
				Change
Projected benefit obligation		(A)	1,008,072	92,390	915,682
<Discount rate>			<0.34%>	<(0.66)%>	<1.00%>
	Fair value of plan assets	(B)	1,196,835	(76,484)	1,273,319
	Reserve for employee retirement benefits	(C)	-	-	-
	Prepaid pension cost	(D)	279,917	(13,165)	293,082
	Unrecognized prior service cost (deductible from the obligation)	(E)	-	-	-
	Unrecognized net actuarial gain (loss)	(A-B-C+D-E)	91,153	155,706	(64,553)
(2) Retirement benefit expenses
					(Millions of yen)
			FY3/2016		FY3/2015
				Change
Retirement benefit expenses			36,073	3,727	32,346
	Service cost		26,310	2,319	23,991
	Interest cost on projected benefit obligation		9,156	(2,160)	11,316
	Expected returns on plan assets		(35,757)	(4,611)	(31,146)
	Amortization of unrecognized prior service cost		-	-	-
	Amortization of unrecognized net actuarial gain (loss)		31,784	9,399	22,385
	Others		4,578	(1,220)	5,798

- 6 -

Sumitomo Mitsui Financial Group

8. Classification based on self-assessment and the Financial Reconstruction Act, and write-offs / reserves

*1	Includes direct reduction of 129.8 billion yen.
*2	Includes reserve for assets that are not subject to disclosure based on the Financial Reconstruction Act standards. (Bankrupt/Effectively bankrupt borrowers: 2.7 billion yen, Potentially bankrupt borrowers: 4.8 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 0.4 billion yen.
*6	The proportion of the reserve to the claims, excluding the portion secured by collateral or guarantees, etc.

- 7 -

Sumitomo Mitsui Financial Group

9. Risk-monitored loans
Consolidated						(Millions of yen, %)
		Mar. 31, 2016			Mar. 31, 2015
		(a)	Ratio (b)	(a) - (c)	(c)	Ratio (d)
Bankrupt loans		44,748	0.1	8,887	35,861	0.0
Non-accrual loans		594,077	0.8	(179,981)	774,058	1.1
Past due loans (3 months or more)		19,845	0.0	6,131	13,714	0.0
Restructured loans		266,698	0.3	(11,924)	278,622	0.4
Total		925,370	1.2	(176,886)	1,102,256	1.5
Total loans (period-end balance)		75,066,080	100.0	1,997,840	73,068,240	100.0
Amount of direct reduction		273,009		(52,971)	325,980
SMBC non-consolidated						(Millions of yen, %)
		Mar. 31, 2016			Mar. 31, 2015
		(a)	Ratio (b)	(a) - (c)	(c)	Ratio (d)
Bankrupt loans		39,906	0.1	9,784	30,122	0.0
Non-accrual loans		410,020	0.6	(142,913)	552,933	0.8
Past due loans (3 months or more)		4,574	0.0	(358)	4,932	0.0
Restructured loans		106,071	0.1	(9,848)	115,919	0.2
Total		560,573	0.8	(143,334)	703,907	1.0
Total loans (period-end balance)		69,276,735	100.0	1,002,427	68,274,308	100.0
Amount of direct reduction		121,686		(27,756)	149,442
10. Reserve for possible loan losses and reserve ratio
Consolidated		(Millions of yen, %)
		Mar. 31, 2016			Mar. 31, 2015
		(a)	Reserve Ratio   (b)	(a) - (c)	(c)	Reserve Ratio (d)
Reserve for possible loan losses		625,019	67.54	(46,229)	671,248	60.90
	General reserve	395,546		8,499	387,047
	Specific reserve	228,161		(55,320)	283,481
	Loan loss reserve for specific overseas countries	1,311		592	719
Amount of direct reduction		301,983		(61,602)	363,585
SMBC non-consolidated						(Millions of yen, %)
		Mar. 31, 2016			Mar. 31, 2015
		(a)	Reserve Ratio   (b)	(a) - (c)	(c)	Reserve Ratio (d)
Reserve for possible loan losses		357,186	63.72	(36,954)	394,140	55.99
	General reserve	221,297		(9,733)	231,030
	Specific reserve	134,708		(27,682)	162,390
	Loan loss reserve for specific overseas countries	1,179		460	719
Amount of direct reduction		129,826		(30,835)	160,661

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

- 8 -

Sumitomo Mitsui Financial Group

11. Non-performing loans (NPLs) based on the Financial Reconstruction Act and coverage

Consolidated				(Millions of yen, %)
		Mar. 31, 2016		Mar. 31, 2015
		(a)	(a) - (b)	(b)
	Bankrupt and quasi-bankrupt assets	178,059	26,023	152,036
	Doubtful assets	526,763	(201,223)	727,986
	Substandard loans	287,921	(6,835)	294,756
Total (A)		992,743	(182,036)	1,174,779
	Normal assets	85,579,406	2,103,838	83,475,568
	Grand total (B)	86,572,150	1,921,802	84,650,348
NPL ratio (A/B)		1.15	(0.24)	1.39
				(Millions of yen)
		Mar. 31, 2016		Mar. 31, 2015
		(a)	(a) - (b)	(b)
Total coverage (C)		807,544	(169,175)	976,719
	Reserve for possible loan losses (D)	230,655	(53,010)	283,665
	Amount recoverable by guarantees, collateral and others (E)	576,889	(116,164)	693,053
				(%)
Coverage ratio (C) / (A)		81.34	(1.80)	83.14
Coverage ratio calculated with total reserve for possible loan losses  included in the numerator		121.07	4.94	116.13
				(%)
Reserve ratio to unsecured assets (D) / (A - E)		55.47	(3.42)	58.89
Reserve ratio calculated with total reserve for possible loan losses  included in the numerator		150.30	10.96	139.34
SMBC non-consolidated				(Millions of yen, %)
		Mar. 31, 2016		Mar. 31, 2015
		(a)	(a) - (b)	(b)
	Bankrupt and quasi-bankrupt assets	135,604	42,608	92,996
	Doubtful assets	376,366	(178,784)	555,150
	Substandard loans	110,646	(10,205)	120,851
Total (A)		622,617	(146,381)	768,998
	Normal assets	79,046,057	913,691	78,132,366
	Grand total (B)	79,668,674	767,309	78,901,365
NPL ratio (A/B)		0.78	(0.19)	0.97
Note: NPLs based on the Financial Reconstruction Act include loans, acceptances and guarantees, suspense payments, and other credit-type assets.
				(Millions of yen)
		Mar. 31, 2016		Mar. 31, 2015
		(a)	(a) - (b)	(b)
Total coverage (C)		549,918	(124,281)	674,199
	Reserve for possible loan losses* (D)	158,967	(34,311)	193,278
	Amount recoverable by guarantees, collateral and others (E)	390,951	(89,969)	480,920
*  Sum of general reserve for substandard loans and specific reserve
				(%)
Coverage ratio (C) / (A)		88.32	0.65	87.67
Coverage ratio calculated with total reserve for possible loan losses  included in the numerator		129.56	15.77	113.79
				(%)
Reserve ratio to unsecured assets (D) / (A - E)		68.62	1.52	67.10
Reserve ratio calculated with total reserve for possible loan losses  included in the numerator		179.44	42.62	136.82

- 9 -

Sumitomo Mitsui Financial Group

12. Results of off-balancing of NPLs

SMBC non-consolidated

								(Billions of yen	)
			Mar. 31, 2016   (a)					Mar. 31, 2015 (b)
				(a) - (b)	NPLs newly classified during FY3/2016	Amount of off-balancing
	Bankrupt and quasi-bankrupt assets		135.6	42.6	40.7	1.9		93.0
	Doubtful assets		376.4	(178.7)	98.5	(277.2	)	555.1
	Total		512.0	(136.1)	(*1)      139.2	(*1)      (275.3	)	648.1
Result of measures connected to off-balancing (*2)			101.3					76.3
		Breakdown of   off-balancing by factor (*3)	Disposition by borrowers’ liquidation			(12.3	)
			Reconstructive disposition			(20.0	)
			Improvement in debtors’ performance due to reconstructive disposition			(0.4	)
			Loan sales to market			(31.0	)
			Direct write-offs			37.6
			Others			(249.2	)
				Collection / repayment, etc.		(155.9	)
				Improvement in debtors’ performance		(93.3	)
			Total			(275.3	)

*1	The amount of NPLs newly classified during the six months ended Sep. 30, 2015 and off-balanced in the six months ended Mar. 31, 2016 was 27.8 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.

- 10 -

Sumitomo Mitsui Financial Group

13. Loan portfolio, classified by industry

SMBC non-consolidated

(1) Loans and bills discounted, classified by industry (Millions of yen, %)

		Mar. 31, 2016				Mar. 31, 2015
		(a)	Ratio	(a) - (b)		(b)	Ratio
Domestic offices (excluding Japan offshore banking accounts)		50,072,362	100.0	725,813		49,346,549	100.0
	Manufacturing	5,968,107	11.9	345,629		5,622,478	11.4
	Agriculture, forestry, fisheries and mining	121,805	0.2	(7,791	)	129,596	0.3
	Construction	711,002	1.4	(2,767	)	713,769	1.4
	Transportation, communications and     public enterprises	4,294,743	8.6	(28,123	)	4,322,866	8.8
	Wholesale and retail	3,949,130	7.9	(66,489	)	4,015,619	8.1
	Finance and insurance	7,042,440	14.1	(242,067	)	7,284,507	14.8
	Real estate and goods rental and leasing	7,014,185	14.0	489,904		6,524,281	13.2
	Various services	3,954,330	7.9	320,303		3,634,027	7.4
	Municipalities	1,087,248	2.2	16,423		1,070,825	2.2
	Others	15,929,369	31.8	(99,208	)	16,028,577	32.4
Overseas offices and Japan offshore banking accounts		19,204,373	100.0	276,614		18,927,759	100.0
	Public sector	164,623	0.8	112,025		52,598	0.3
	Financial institutions	1,362,414	7.1	(195,477	)	1,557,891	8.2
	Commerce and industry	15,876,722	82.7	273,639		15,603,083	82.4
	Others	1,800,612	9.4	86,427		1,714,185	9.1
Total		69,276,735	-	1,002,427		68,274,308	-

Risk-monitored loans   (Millions of yen, %)

		Mar. 31, 2016				Mar. 31, 2015
		(a)	Ratio	(a) - (b)		(b)	Ratio
Domestic offices (excluding Japan offshore banking accounts)		478,746	100.0	(146,502	)	625,248	100.0
	Manufacturing	80,974	16.9	(7,949	)	88,923	14.2
	Agriculture, forestry, fisheries and mining	302	0.1	(4,444	)	4,746	0.8
	Construction	13,672	2.9	(7,517	)	21,189	3.4
	Transportation, communications and     public enterprises	49,921	10.4	(55,202	)	105,123	16.8
	Wholesale and retail	95,924	20.0	(10,007	)	105,931	16.9
	Finance and insurance	3,591	0.7	(285	)	3,876	0.6
	Real estate and goods rental and leasing	87,548	18.3	(40,545	)	128,093	20.5
	Various services	75,149	15.7	(14,747	)	89,896	14.4
	Municipalities	-	-	-		-	-
	Others	71,662	15.0	(5,806	)	77,468	12.4
Overseas offices and Japan offshore banking accounts		81,826	100.0	3,167		78,659	100.0
	Public sector	-	-	-		-	-
	Financial institutions	-	-	-		-	-
	Commerce and industry	39,447	48.2	(25,076	)	64,523	82.0
	Others	42,378	51.8	28,242		14,136	18.0
Total		560,573	-	(143,334	)	703,907	-

- 11 -

Sumitomo Mitsui Financial Group            

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

		(Millions of yen, %)
		Mar. 31, 2016			Mar. 31, 2015
		(a)	Reserve   ratio	(a) - (b)	(b)
Domestic offices (excluding Japan offshore banking accounts)		535,318	70.6	(153,217)	688,535
	Manufacturing	88,290	65.1	(3,851)	92,141
	Agriculture, forestry, fisheries and mining	302	61.4	(4,623)	4,925
	Construction	13,697	63.4	(7,540)	21,237
	Transportation, communications and     public enterprises	71,318	90.2	(56,693)	128,011
	Wholesale and retail	100,215	57.8	(10,816)	111,031
	Finance and insurance	4,263	89.2	(326)	4,589
	Real estate and goods rental and leasing	108,553	52.3	(47,744)	156,297
	Various services	76,081	61.7	(15,196)	91,277
	Municipalities	-	-	-	-
	Others	72,595	100.0	(6,429)	79,024
Overseas offices and Japan offshore banking accounts		87,299	62.4	6,836	80,463
	Public sector	-	-	-	-
	Financial institutions	-	-	-	-
	Commerce and industry	43,400	61.9	(22,926)	66,326
	Others	43,898	62.7	29,762	14,136
Total		622,617	68.6	(146,381)	768,998

Notes	1.	NPLs 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

					(Millions of yen)
			Mar. 31, 2016		Mar. 31, 2015
			(a)	(a) - (b)	(b)
Consumer loans			14,148,084	(199,375)	14,347,459
	Housing loans		13,207,194	(230,716)	13,437,910
		Self-residential purpose	10,598,147	(190,191)	10,788,338
	Other consumer loans		940,889	31,341	909,548
(4) Loans to small- and medium-sized enterprises, etc.
					(Millions of yen, %)
			Mar. 31, 2016		Mar. 31, 2015
			(a)	(a) - (b)	(b)
Outstanding balance			33,860,723	362,171	33,498,552
Ratio to total loans			67.6	(0.3)	67.9
Note: Outstanding balance includes loans to individuals.

- 12 -

Sumitomo Mitsui Financial Group

14. Loan portfolio, classified by country

SMBC non-consolidated

(1) Loans outstanding, classified by major domicile

					(Millions of yen, %)
		Mar. 31, 2016			Mar. 31, 2015
		(a)	Ratio	(a) - (b)	(b)	Ratio
Asia		5,403,815	27.0	(632,349)	6,036,164	31.4
	Indonesia	289,437	1.4	(69,060)	358,497	1.9
	Thailand	676,912	3.4	(106,748)	783,660	4.1
	Korea	274,034	1.4	(102,077)	376,111	1.9
	Hong Kong	1,491,427	7.5	(143,157)	1,634,584	8.5
	China	272,880	1.4	(133,792)	406,672	2.1
	Taiwan	245,718	1.2	(45,438)	291,156	1.5
	Singapore	1,139,127	5.7	(23,029)	1,162,156	6.0
	India	465,989	2.3	(6,680)	472,669	2.5
	Others	548,291	2.7	(2,368)	550,659	2.9
Oceania		1,673,003	8.4	282,102	1,390,901	7.2
	Australia	1,531,264	7.7	255,622	1,275,642	6.6
	Others	141,739	0.7	26,480	115,259	0.6
North America		6,257,411	31.3	603,104	5,654,307	29.4
	United States	4,954,824	24.8	569,804	4,385,020	22.8
	Others	1,302,587	6.5	33,300	1,269,287	6.6
Central and South America		1,629,583	8.2	66,615	1,562,968	8.1
	Brazil	280,206	1.4	13,646	266,560	1.4
	Panama	528,952	2.7	(64,245)	593,197	3.1
	Others	820,425	4.1	117,214	703,211	3.6
Western Europe		3,303,686	16.5	275,106	3,028,580	15.7
	United Kingdom	1,169,548	5.9	344,261	825,287	4.3
	Ireland	586,194	2.9	28,744	557,450	2.9
	Netherlands	508,119	2.5	75,543	432,576	2.2
	Others	1,039,825	5.2	(173,442)	1,213,267	6.3
Eastern Europe		458,865	2.3	(111,762)	570,627	3.0
	Russia	395,995	2.0	(128,290)	524,285	2.7
	Others	62,870	0.3	16,528	46,342	0.3
Others		1,250,585	6.3	239,859	1,010,726	5.2
Total		19,976,948	100.0	722,675	19,254,273	100.0
Note:	Classified by domicile of debtors.

(2)   NPLs based on the Financial Reconstruction Act, classified by domicile

					(Millions of yen, %)
		Mar. 31, 2016			Mar. 31, 2015
		(a)	Reserve Ratio	(a) - (b)	(b)
Overseas Offices and Japan offshore banking accounts		87,299	62.4	6,836	80,463
	Asia	14,130	32.5	(321)	14,451
	Oceania	15,042	64.8	15,042	-
	North America	37,640	94.8	27,706	9,934
	Central and South America	4,068	64.4	(6,843)	10,911
	Western Europe	4,249	94.9	(13,354)	17,603
	Eastern Europe	-	-	-	-
	Others	12,166	48.1	(15,396)	27,562

Notes	1.	NPLs 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.

- 13 -

Sumitomo Mitsui Financial Group            

15. Balance of deposits and loans

SMBC non-consolidated

(1) Average balance of deposits and loans

(Millions of yen)

			FY3/2016 (a)					FY3/2015 (b)
					(a) - (b)
Deposits				89,526,938		5,519,351		84,007,587
	Domestic units			73,328,279		2,924,174		70,404,105
Loans				68,104,976		2,009,744		66,095,232
	Domestic units			45,425,766		127,921		45,297,845
Note:  Deposits do not include negotiable certificates of deposit. (2) Balance of deposits and loans, classified by type of depositor
						(Millions of yen)
			Mar. 31, 2016 (a)					Mar. 31, 2015 (b)
					(a) - (b)
Deposits				98,839,722		7,502,008		91,337,714
	Domestic deposits (excluding Japan offshore banking accounts)			82,134,687		4,345,589		77,789,098
		Individuals		42,312,525		544,422		41,768,103
		Corporates		39,822,162		3,801,167		36,020,995
Loans				69,276,735		1,002,427		68,274,308
	Domestic offices (excluding Japan offshore banking accounts)			50,072,362		725,813		49,346,549
	Overseas offices and Japan offshore banking accounts			19,204,373		276,614		18,927,759
Note:  Deposits do not include negotiable certificates of deposit. Reference:
					(Billions of yen)
			Mar. 31, 2016 (a)					Mar. 31, 2015 (b)
					(a) - (b)
Balance of investment trusts				2,442.0		(638.1	)	3,080.1
	Balance to individuals			2,077.5		(612.2	)	2,689.7
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)
			FY3/2016					FY3/2015
			(a)		(a) - (b)			(b)
Sales of investment trusts to individuals				676.2		(143.2	)	819.4
Sales of pension-type insurance to individuals				157.0		(25.7	)	182.7

- 14 -

Sumitomo Mitsui Financial Group            

16. Deferred tax assets and liabilities

(Billions of yen)

SMBC non-consolidated					Mar. 31, 2016			Change from Mar. 31, 2015			Mar. 31, 2015
(a) Total deferred tax assets			(b-c)	1		258.7			12.0			246.7
	(b) Subtotal of deferred tax assets			2		504.6			(43.2	)		547.8
		Reserve for possible loan losses and write-off of loans		3		131.9			(23.2	)		155.1
		Taxable write-off of securities		4		275.8			24.0			251.8
		Others		5		96.9			(44.0	)		140.9
	(c) Valuation allowance			6		245.9			(55.2	)		301.1
(d) Total deferred tax liabilities				7		508.1			(183.5	)		691.6
	Net unrealized gains on other securities			8		426.4			(210.0	)		636.4
	Others			9		81.7			26.5			55.2
Net deferred tax assets			(a-d)	10		(249.4	)		195.5			(444.9	)
	Amount corresponding to net deferred losses on hedges included in line 5 and net unrealized gains on other securities included in line 8			11		(463.7	)		162.6			(626.3	)
	Others			12		214.3			32.9			181.4

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 tax return before deducting operating loss carryforwards for the last 3 years

		(Billions of yen)
	FY3/2014	FY3/2015	FY3/2016
Income of final tax return before deducting operating loss carryforwards	501.8	643.7	551.7

Note: The figure for FY3/2016 was estimated at fiscal year closing.

- 15 -

Sumitomo Mitsui Financial Group            

17. Capital ratio (BIS guidelines)

(Basel III basis)

Consolidated   (Billions of yen, %)

	Mar. 31, 2016         [Preliminary]					Mar. 31, 2015
	(a)		(a) - (b)			(b)
(1) Total capital ratio (4) / (7)		17.02		0.44		16.58
(2) Tier 1 capital ratio (5) / (7)		13.68		0.79		12.89
(3) Common equity Tier 1 capital ratio (6) / (7)		11.81		0.51		11.30
(4) Total capital		11,235.9		270.0		10,965.9
(5) Tier 1 capital		9,031.7		503.1		8,528.6
(6) Common equity Tier 1 capital		7,796.5		320.0		7,476.5
(7) Risk weighted assets		66,011.6		(125.2	)	66,136.8
(8) Required capital (7) X 8%		5,280.9		(10.0	)	5,290.9
SMBC consolidated
(1) Total capital ratio		18.19		0.26		17.93
(2) Tier 1 capital ratio		14.58		0.67		13.91
(3) Common equity Tier 1 capital ratio		13.04		0.43		12.61
SMBC non-consolidated
(1) Total capital ratio		19.47		0.58		18.89
(2) Tier 1 capital ratio		15.29		1.03		14.26
(3) Common equity Tier 1 capital ratio		13.44		0.64		12.80
18. ROE
Consolidated						(%)
	FY3/2016					FY3/2015
	(a)		(a) - (b)			(b)
ROE (denominator: Total stockholders’ equity)		8.9		(2.3	)	11.2
Note:

ROE (denominator: Total stockholders’ equity)	=	Profit attributable to owners of parent	X 100
		{(Total stockholders’ equity at the beginning of the period) + (Total stockholders’ equity at the end of the period)} / 2

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Sumitomo Mitsui Financial Group            

19. Earnings targets and dividends forecast for FY3/2017
(1) Earnings targets
Consolidated						(Billions of yen)
		FY3/2017						FY3/2016
		Interim						Result
Ordinary profit			480.0			1,020.0		985.3
Profit attributable to owners of parent			320.0			700.0		646.7
SMBC non-consolidated						(Billions of yen)
		FY3/2017						FY3/2016
		Interim						Result
	Gross banking profit		890.0			1,630.0		1,534.3
	Expenses		(410.0	)		(825.0	)	(805.5)
Banking profit (before provision for general reserve for possible loan losses)			480.0			805.0		728.8
Total credit cost			(30.0	)		(50.0	)	3.2
Ordinary profit			430.0			720.0		747.9
Net income			360.0			570.0		609.2
(2) Dividends forecast
								(Yen)
		FY3/2017						FY3/2016
		Interim			Annual
Dividend per share for common stock			75			150		150
Reference:						(Billions of yen)
		FY3/2017						FY3/2016
		Interim			Annual
Total dividend			105.8			211.5		211.5

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Sumitomo Mitsui Financial Group

Reference 1: Financial Statements of SMBC

1. Condensed balance sheet

SMBC non-consolidated	(Millions of yen)
	Mar. 31, 2016		Mar. 31, 2015
	(a)	(a) - (b)	(b)
Assets
Cash and due from banks	38,862,725	1,854,060	37,008,665
Call loans	899,594	359,678	539,916
Receivables under resale agreements	359,318	(58,155)	417,473
Receivables under securities borrowing transactions	2,798,855	786,060	2,012,795
Monetary claims bought	950,106	(97,392)	1,047,498
Trading assets	3,511,957	(115,905)	3,627,862
Securities	25,602,156	(4,383,111)	29,985,267
Loans and bills discounted	69,276,735	1,002,427	68,274,308
Foreign exchanges	1,558,252	(240,591)	1,798,843
Other assets	2,131,869	(328,475)	2,460,344
Tangible fixed assets	831,326	18,943	812,383
Intangible fixed assets	220,174	19,208	200,966
Prepaid pension cost	279,917	(13,165)	293,082
Customers’ liabilities for acceptances and guarantees	6,737,089	15,958	6,721,131
Reserve for possible loan losses	(357,186)	36,954	(394,140)
Reserve for possible losses on investments	(21,465)	60,856	(82,321)
Total assets	153,641,430	(1,082,649)	154,724,079
Note:  Amounts less than 1 million yen are rounded down.

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Sumitomo Mitsui Financial Group

	(Millions of yen)
	Mar. 31, 2016		Mar. 31, 2015
	(a)	(a) - (b)	(b)
Liabilities
Deposits	98,839,722	7,502,008	91,337,714
Negotiable certificates of deposit	14,428,338	406,274	14,022,064
Call money	1,107,825	(3,472,115)	4,579,940
Payables under repurchase agreements	496,236	146,226	350,010
Payables under securities lending transactions	1,374,280	(3,739,616)	5,113,896
Commercial paper	1,980,153	(571,499)	2,551,652
Trading liabilities	2,987,815	233,076	2,754,739
Borrowed money	7,868,311	(227,759)	8,096,070
Foreign exchanges	1,131,796	(41,173)	1,172,969
Short-term bonds	-	(25,000)	25,000
Bonds	4,775,072	(320,505)	5,095,577
Due to trust account	921,320	203,791	717,529
Other liabilities	2,924,495	(748,475)	3,672,970
Reserve for employee bonuses	13,869	131	13,738
Reserve for executive bonuses	566	(78)	644
Reserve for point service program	1,086	(33)	1,119
Reserve for reimbursement of deposits	15,374	(4,215)	19,589
Deferred tax liabilities	249,427	(195,436)	444,863
Deferred tax liabilities for land revaluation	31,837	(2,304)	34,141
Acceptances and guarantees	6,737,089	15,958	6,721,131
Total liabilities	145,884,620	(840,743)	146,725,363
Net assets
Capital stock	1,770,996	-	1,770,996
Capital surplus	2,470,198	(11,075)	2,481,273
Capital reserve	1,771,043	-	1,771,043
Other capital surplus	699,154	(11,075)	710,229
Retained earnings	2,414,989	87,803	2,327,186
Other retained earnings	2,414,989	87,803	2,327,186
Voluntary reserve for retirement allowances	1,656	-	1,656
Voluntary reserve	219,845	-	219,845
Retained earnings brought forward	2,193,488	87,803	2,105,685
Treasury stock	(210,003)	-	(210,003)
Total stockholders’ equity	6,446,181	76,728	6,369,453
Net unrealized gains (losses) on other securities	1,233,910	(492,663)	1,726,573
Net deferred gains (losses) on hedges	48,706	173,612	(124,906)
Land revaluation excess	28,011	418	27,593
Total valuation and translation adjustments	1,310,628	(318,633)	1,629,261
Total net assets	7,756,810	(241,905)	7,998,715
Total liabilities and net assets	153,641,430	(1,082,649)	154,724,079
Note:  Amounts less than 1 million yen are rounded down.

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Sumitomo Mitsui Financial Group

2. Condensed income statement

SMBC non-consolidated	(Millions of yen)
	FY3/2016		FY3/2015
	(a)	(a) - (b)	(b)
Ordinary income	2,277,812	(93,186)	2,370,998
Interest income	1,422,367	(33,625)	1,455,992
Interest on loans and discounts	980,604	(9,881)	990,485
Interest and dividends on securities	326,077	(30,677)	356,754
Trust fees	2,589	717	1,872
Fees and commissions	527,316	9,788	517,528
Trading income	66,593	53,794	12,799
Other operating income	123,606	(70,453)	194,059
Other income	135,338	(53,407)	188,745
Ordinary expenses	1,529,919	114,914	1,415,005
Interest expenses	398,791	64,227	334,564
Interest on deposits	93,258	21,670	71,588
Fees and commissions payments	168,796	1,248	167,548
Trading losses	-	-	-
Other operating expenses	40,613	(5,242)	45,855
General and administrative expenses	842,710	22,494	820,216
Other expenses	79,007	32,187	46,820
Ordinary profit	747,892	(208,100)	955,992
Extraordinary gains	3,706	3,350	356
Extraordinary losses	5,379	(3,321)	8,700
Income before income taxes	746,219	(201,429)	947,648
Income taxes - current	170,558	(54,287)	224,845
Income taxes - deferred	(33,509)	(113,296)	79,787
Total income taxes	137,048	(167,584)	304,632
Net income	609,171	(33,844)	643,015

 Note: Amounts less than 1 million yen are rounded down.

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Sumitomo Mitsui Financial Group

3. Statement of changes in net assets

SMBC non-consolidated

Year ended March 31, 2016 (Millions of yen)

				Capital surplus						Retained earnings									Treasury stock			Total stockholders’ equity
				Capital reserve			Other capital surplus			Other retained earnings
	Capital stock									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			2,105,685			(210,003	)	6,369,453
Changes in the period
Corporate reorganization     (by subsidiaries)								(11,074	)													(11,074)
Cash dividends																	(522,635	)				(522,635)
Net income																	609,171					609,171
Reversal of land revaluation excess																	1,267					1,267
Net changes in items other than stockholders’ equity in the period
Net changes in the period		-			-			(11,074	)		-			-			87,802			-		76,727
Balance at the end of the period		1,770,996			1,771,043			699,154			1,656			219,845			2,193,488			(210,003	)	6,446,181
								(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		1,726,573			(124,906	)		27,593			1,629,261			7,998,715
Changes in the period
Corporate reorganization     (by subsidiaries)														(11,074	)
Cash dividends														(522,635	)
Net income														609,171
Reversal of land revaluation excess														1,267
Net changes in items other than stockholders’ equity in the period		(492,662	)		173,612			417			(318,632	)		(318,632	)
Net changes in the period		(492,662	)		173,612			417			(318,632	)		(241,904	)
Balance at the end of the period		1,233,910			48,706			28,011			1,310,628			7,756,810

Note:  Amounts less than 1 million yen are rounded down.

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Sumitomo Mitsui Financial Group  

 Reference 2: Exposure to securitized products

1. Securitized products	Managerial accounting basis
Consolidated	(Billions of yen)

	Mar. 31, 2016															Mar 31, 2015
											Net unrealized									Net unrealized
	Balances (after										gains/losses					Balances (after provisions and write-offs)				gains/losses (after write -offs)
	provisions and write-offs)		Change from Mar. 2015			Overseas		Change from Mar. 2015			(after write- offs)		Change from Mar. 2015					Overseas
Cards, etc.		262.5		96.5			251.2		89.7			0.6		0.4			166.1		161.6		0.2
CLO		39.6		14.3			39.6		14.3			1.7		0.5			25.3		25.3		1.2
CMBS		10.1		(0.7	)		10.1		(0.7	)		0.3		(0.2	)		10.8		10.8		0.5
RMBS, etc.		30.8		1.3			30.8		1.3			0.4		0.2			29.6		29.6		0.2
Total		343.1		111.4			331.8		104.6			3.0		0.9			231.7		227.2		2.1

Notes  1.	Balance of ABCP is null.
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)
		Mar. 31, 2016				Mar 31, 2015
				Undrawn  commitments			Undrawn commitments
		Loans	Change from  Mar. 2015		Change from  Mar. 2015	Loans
	Europe	381.6	261.9	81.3	41.2	119.6	40.0
	Japan	352.5	66.5	40.3	(12.2)	286.0	52.5
	United States	164.0	25.4	64.2	(13.2)	138.6	77.5
	Asia (ex. Japan)	121.9	50.4	3.0	(1.5)	71.6	4.5
	Total	1,020.1	404.2	188.8	14.3	615.9	174.5

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