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 2022

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 ☒	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 ☒
*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/ Jun Okahashi
	Name:    Jun Okahashi
	Title:      General Manager, Financial Accounting Dept.

Date:    November 14, 2022

Financial Results

for the six months

ended September 30, 2022

  - Supplementary Information -  

Sumitomo Mitsui Financial Group, Inc.

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.	Notional amount of interest rate swaps (under deferred hedge accounting), classified by remaining maturity		Non-consolidated	…	5
7.	Employee retirement benefits	Consolidated	Non-consolidated	…	6
8.	Classification based on self-assessment and the Banking Act and the Reconstruction Act, and write-offs / reserves		Non-consolidated	…	7
9.	Reserve for possible loan losses and reserve ratio	Consolidated	Non-consolidated	…	8
10.	Non-performing loans (NPLs) based on the Banking Act and the Reconstruction Act, and coverage	Consolidated	Non-consolidated	…	9
11.	Results of off-balancing of NPLs		Non-consolidated	…	10
12.	Loan portfolio, classified by industry		Non-consolidated	…	11
13.	Loan portfolio, classified by country		Non-consolidated	…	13
14.	Balance of deposits and loans		Non-consolidated	…	14
15.	Deferred tax assets and liabilities		Non-consolidated	…	15
16.	Capital ratio (BIS guidelines)	Consolidated	Non-consolidated	…	16
17.	ROE	Consolidated		…	16
18.	Earnings targets and dividends forecast for FY3/2023	Consolidated	Non-consolidated	…	17
Reference: Financial statements of SMBC			Non-consolidated	…	18

Notes:	1.	Consolidated: Consolidated figures of Sumitomo Mitsui Financial Group, Inc.
	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; 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; incurrence of significant credit-related costs; and declines in the value of our securities portfolio. Given these and other risks and uncertainties, you should not place undue reliance on forward-looking statements, which speak only as of the date of this document. We undertake no obligation to update or revise any forward-looking statements.

Please refer to our most recent disclosure documents such as our annual report 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)
				Six months ended Sep. 30, 2022		Six months ended Sep. 30, 2021
					Change
Consolidated gross profit			1	1,632,355	201,070	1,431,285
	Net interest income		2	873,589	161,392	712,197
	Trust fees		3	3,044	414	2,630
	Net fees and commissions		4	588,293	33,422	554,871
	Net trading income		5	(102,445)	(224,603)	122,158
	Net other operating income		6	269,873	230,446	39,427
General and administrative expenses			7	(962,562)	(86,628)	(875,934)
Equity in gains (losses) of affiliates			8	52,079	21,353	30,726
Consolidated net business profit			9	721,872	135,795	586,077
Total credit cost			10	(83,113)	(56,451)	(26,662)
	Credit costs		11	(93,631)	(40,637)	(52,994)
		Write-off of loans	12	(44,520)	3,792	(48,312)
		Provision for reserve for possible loan losses	13	(38,651)	(38,651)	-
		Others	14	(10,460)	(5,778)	(4,682)
	Gains on reversal of reserve for possible loan losses		15	-	(8,124)	8,124
	Recoveries of written-off claims		16	10,518	(7,690)	18,208
Gains (losses) on stocks			17	92,108	10,928	81,180
Other income (expenses)			18	(4,796)	5,771	(10,567)
Ordinary profit			19	726,071	96,043	630,028
Extraordinary gains (losses)			20	(1,397)	1,871	(3,268)
	Gains (losses) on disposal of fixed assets		21	(511)	(688)	177
	Losses on impairment of fixed assets		22	(885)	2,380	(3,265)
Income before income taxes			23	724,674	97,915	626,759
Income taxes - current			24	(146,053)	(33,333)	(112,720)
Income taxes - deferred			25	(47,692)	6,987	(54,679)
Profit			26	530,927	71,568	459,359
Profit attributable to non-controlling interests			27	(5,500)	(2,209)	(3,291)
Profit attributable to owners of parent			28	525,427	69,359	456,068
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)
	Number of consolidated subsidiaries and affiliates
				Sep. 30, 2022		Mar. 31, 2022
					Change
	Consolidated subsidiaries		29	184	3	181
	Equity method affiliates		30	116	4	112

- 1 -

Sumitomo Mitsui Financial Group

SMBC non-consolidated						(Millions of yen)
				Six months ended     Sep. 30, 2022		Six months ended Sep. 30, 2021
					Change
Gross banking profit			1	928,221	181,664	746,557
	Gross domestic profit		2	437,254	42,718	394,536
		Net interest income	3	353,332	54,602	298,730
		Trust fees	4	1,021	65	956
		Net fees and commissions	5	94,613	8,721	85,892
		Net trading income	6	(482)	(668)	186
		Net other operating income	7	(11,230)	(20,000)	8,770
		Gains (losses) on bonds	8	(16,825)	(23,278)	6,453
	Gross international profit		9	490,967	138,946	352,021
		Net interest income	10	258,157	68,306	189,851
		Net fees and commissions	11	127,540	46,518	81,022
		Net trading income	12	(196,460)	(231,910)	35,450
		Net other operating income	13	301,730	256,033	45,697
		Gains (losses) on bonds	14	(46,527)	(67,824)	21,297
Expenses (excluding non-recurring losses)			15	(443,752)	(25,467)	(418,285)
Overhead ratio			16	47.8%	(8.2%)	56.0%
	Personnel expenses		17	(196,000)	(29,418)	(166,582)
	Non-personnel expenses		18	(220,673)	4,384	(225,057)
	Taxes		19	(27,077)	(432)	(26,645)
Banking profit (before provision for general reserve for possible loan losses)			20	484,469	156,197	328,272
Gains (losses) on bonds			21	(63,352)	(91,103)	27,751
	Core banking profit (20-21)		22	547,822	247,302	300,520
		excluding gains (losses) on cancellation of investment trusts	23	516,527	247,054	269,473
Provision for general reserve for possible loan losses			24	32,917	32,917	-
Banking profit			25	517,387	189,115	328,272
Non-recurring gains (losses)			26	23,998	(63,551)	87,549
	Credit costs		27	(96,487)	(93,375)	(3,112)
	Gains on reversal of reserve for possible loan losses		28	-	(16,904)	16,904
	Recoveries of written-off claims		29	25	(11,133)	11,158
	Gains (losses) on stocks		30	84,209	26,595	57,614
	Other non-recurring gains (losses)		31	36,251	31,266	4,985
Ordinary profit			32	541,386	125,564	415,822
Extraordinary gains (losses)			33	(371)	2,488	(2,859)
	Gains (losses) on disposal of fixed assets		34	(32)	(297)	265
	Losses on impairment of fixed assets		35	(339)	2,785	(3,124)
Income before income taxes			36	541,014	128,051	412,963
Income taxes - current			37	(129,819)	(40,010)	(89,809)
Income taxes - deferred			38	(11,439)	25,496	(36,935)
Net income			39	399,755	113,537	286,218
Total credit cost (24+27+28+29)			40	(63,544)	(88,493)	24,949
	Provision for general reserve for possible loan losses		41	32,917	23,184	9,733
	Write-off of loans		42	(3,712)	(3,610)	(102)
	Provision for specific reserve for possible loan losses		43	(91,700)	(98,876)	7,176
	Losses on sales of delinquent loans		44	(798)	2,212	(3,010)
	Provision for loan loss reserve for specific overseas countries		45	(275)	(270)	(5)
	Recoveries of written-off claims		46	25	(11,133)	11,158

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							(%)
					Six months ended Sep. 30, 2022		Six months   ended   Sep. 30, 2021
			Three months   ended   Jun. 30, 2022	Three months   ended   Sep. 30, 2022		Change
Yield on interest earning assets (A)					0.81	0.05	0.76
	Interest earned on loans and bills discounted (C)		0.83	0.84	0.84	(0.01)	0.85
	Interest earned on securities				1.24	0.53	0.71
Total cost of funding (including expenses) (B)					0.41	(0.04)	0.45
	Cost of interest bearing liabilities				0.02	(0.00)	0.02
		Interest paid on deposits, etc. (D)	0.00	0.00	0.00	(0.00)	0.00
		Interest paid on other liabilities			0.10	(0.02)	0.12
	Expense ratio				0.39	(0.04)	0.43
Overall interest spread (A) - (B)					0.40	0.09	0.31
	Interest spread (C) - (D)		0.83	0.84	0.84	(0.01)	0.85
	Reference: After deducting loans to the Japanese government, etc.
	Interest earned on loans and bills discounted (E)		0.85	0.86	0.85	(0.01)	0.86
	Interest spread (E) - (D)		0.85	0.86	0.85	(0.01)	0.86
3. Gains (losses) on securities
SMBC non-consolidated							(Millions of yen)
					Six months ended Sep. 30, 2022		Six months   ended   Sep. 30, 2021
						Change
Gains (losses) on bonds					(63,352)	(91,103)	27,751
	Gains on sales				26,718	(11,145)	37,863
	Losses on sales				(82,678)	(72,586)	(10,092)
	Gains on redemption				0	0	0
	Losses on redemption				(7,392)	(7,373)	(19)
	Losses on devaluation				-	-	-
Gains (losses) on stocks					84,209	26,595	57,614
	Gains on sales				121,280	35,025	86,255
	Losses on sales				(26,316)	(22,461)	(3,855)
	Losses on devaluation				(10,753)	14,033	(24,786)

- 3 -

Sumitomo Mitsui Financial Group

 4. Unrealized gains (losses) on securities

Consolidated											(Millions of yen)
					Sep. 30, 2022					Mar. 31, 2022
					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	116,248	(558)	(340)	-	558	25,741	(218)
	Other securities			2	31,761,875	1,318,665	(958,544)	2,535,281	1,216,616	38,114,923	2,277,209
		Stocks		3	3,222,441	1,790,732	(242,926)	1,825,860	35,127	3,403,392	2,033,658
		Bonds		4	13,813,969	(67,233)	(17,159)	14,202	81,435	19,560,308	(50,074)
			Japanese government bonds	5	9,988,100	(48,430)	(1,331)	590	49,021	15,774,197	(47,099)
		Others		6	14,725,463	(404,834)	(698,459)	695,218	1,100,052	15,151,221	293,625
			Foreign bonds	7	12,419,736	(1,049,331)	(600,546)	18,245	1,067,577	12,055,643	(448,785)
	Other money held in trust			8	311	-	-	-	-	310	-
	Total			9	31,878,435	1,318,106	(958,884)	2,535,281	1,217,175	38,140,975	2,276,990
		Stocks		10	3,222,441	1,790,732	(242,926)	1,825,860	35,127	3,403,392	2,033,658
		Bonds		11	13,930,218	(67,791)	(17,498)	14,202	81,994	19,586,050	(50,293)
		Others		12	14,725,774	(404,834)	(698,459)	695,218	1,100,052	15,151,532	293,625
SMBC non-consolidated											(Millions of yen)
					Sep. 30, 2022					Mar. 31, 2022
					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	22,300	(362)	(151)	-	362	22,300	(211)
	Stocks of subsidiaries and affiliates			14	4,679,138	(3,148)	(17,598)	16,213	19,362	4,649,722	14,450
	Other securities			15	27,572,185	968,151	(814,238)	2,024,293	1,056,142	34,290,501	1,782,389
		Stocks		16	2,946,419	1,736,389	(225,559)	1,758,980	22,590	3,202,163	1,961,948
		Bonds		17	13,881,064	(65,967)	(16,527)	14,202	80,170	19,625,238	(49,440)
			Japanese government bonds	18	9,988,100	(48,430)	(1,331)	590	49,021	15,769,196	(47,099)
		Others		19	10,744,702	(702,271)	(572,152)	251,110	953,381	11,463,099	(130,119)
			Foreign bonds	20	9,025,716	(909,461)	(506,377)	11,730	921,191	8,970,483	(403,084)
	Total			21	32,273,624	964,639	(831,989)	2,040,507	1,075,867	38,962,523	1,796,628
		Stocks		22	3,411,763	1,736,959	(225,531)	1,759,550	22,590	3,665,507	1,962,490
		Bonds		23	13,903,364	(66,330)	(16,679)	14,202	80,532	19,647,538	(49,651)
		Others		24	14,958,496	(705,990)	(589,780)	266,753	972,743	15,649,477	(116,210)

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.	Net unrealized gains (losses) are valuated at market prices as of the balance sheet date.
	3.	Other securities and Other money held in trust are measured 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 (both SMFG consolidated and SMBC non-consolidated). Gains of 2,122 million yen were recognized in the statements of income for the year ended March 31, 2022.

- 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)
		Sep. 30, 2022										Mar. 31, 2022
		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			5,084.3		6,205.6		1,774.4		839.1		13,903.4		8,262.5		7,827.0		2,699.4		858.7	19,647.5
	Japanese government   bonds		4,454.7		4,641.9		541.7		349.8		9,988.1		7,755.1		6,205.6		1,451.5		356.9	15,769.2
	Japanese local government bonds		-		294.8		760.2		11.0		1,066.0		0.1		283.2		830.6		11.4	1,125.4
	Japanese short-term bonds		438.0		-		-		-		438.0		302.0		-		-		-	302.0
	Japanese corporate bonds		191.6		1,268.9		472.5		478.3		2,411.3		205.3		1,338.2		417.2		490.3	2,451.0
Others			2,665.0		2,546.9		2,478.8		1,622.7		9,313.5		2,306.9		2,078.1		3,539.5		1,533.4	9,457.9
Total			7,749.3		8,752.6		4,253.2		2,461.8		23,216.8		10,569.4		9,905.1		6,238.8		2,392.1	29,105.4

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

 SMBC non-consolidated       (Billions of yen)  

		Sep. 30, 2022				Mar. 31, 2022
		1 year or less	More than 1 year to 5 years	More than 5 years	Total	1 year or less	More than 1 year to 5 years	More than 5 years	Total
	Receivable fixed rate / payable floating rate	5,457.7	22,840.6	8,262.8	36,561.1	5,781.8	18,220.7	8,883.6	32,886.2
	Receivable floating rate   / payable fixed rate	780.4	12,422.5	14,425.8	27,628.7	1,124.9	7,244.1	11,425.8	19,794.9
	Receivable floating rate   / payable floating rate	-	-	-	-	2,060.0	-	-	2,060.0
Total		6,238.0	35,263.1	22,688.6	64,189.8	8,966.8	25,464.9	20,309.4	54,741.1

- 5 -

Sumitomo Mitsui Financial Group

 7. Employee retirement benefits

 Consolidated

 (1) Projected benefit obligation

(Millions of yen)
			At the beginning of FY3/2023		At the beginning   of FY3/2022
				Change
Fair value of plan assets		(A)	1,643,211	15,470	1,627,741
Projected benefit obligation		(B)	1,061,029	(36,512)	1,097,541
Net surplus (deficit)		(A-B)	582,181	51,981	530,200
	Net defined benefit asset		623,045	57,511	565,534
	Net defined benefit liability		40,864	5,530	35,334
Measurements of defined benefit plans (before tax effect deduction)			(174,479)	10,546	(185,025)
	Unrecognized prior service cost (deductible from the obligation)		(12,395)	9,258	(21,653)
	Unrecognized net actuarial gain (loss)		(162,083)	1,289	(163,372)
(2) Retirement benefit expenses
(Millions of yen)
			Six months ended Sep. 30, 2022		Six months ended   Sep. 30, 2021
				Change
Retirement benefit expenses			(7,662)	(677)	(6,985)
SMBC non-consolidated
(1) Projected benefit obligation
					(Millions of yen)
			At the beginning of FY3/2023		At the beginning   of FY3/2022
				Change
Projected benefit obligation		(A)	906,023	(43,251)	949,274
	<Discount rate>		<0.61%>	<0.19%>	<0.42%>
	Fair value of plan assets	(B)	1,514,831	10,183	1,504,648
	Reserve for employee retirement benefits	(C)	-	-	-
	Prepaid pension cost	(D)	428,164	61,866	366,298
	Unrecognized prior service cost (deductible from the obligation)	(E)	(19,001)	2,651	(21,652)
	Unrecognized net actuarial gain (loss)	(A-B-C+D-E)	(161,642)	5,781	(167,423)
(2) Retirement benefit expenses
					(Millions of yen)
			Six months ended Sep. 30, 2022		Six months ended   Sep. 30, 2021
				Change
Retirement benefit expenses			(18,558)	(2,127)	(16,431)
	Service cost		10,201	(534)	10,735
	Interest cost on projected benefit obligation		2,763	770	1,993
	Expected returns on plan assets		(19,372)	(215)	(19,157)
	Amortization of unrecognized prior service cost		(1,325)	-	(1,325)
	Amortization of unrecognized net actuarial gain (loss)		(15,938)	(2,878)	(13,060)
	Others		5,114	731	4,383

- 6 -

Sumitomo Mitsui Financial Group

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

*1	Includes direct reduction of 126.4 billion yen.
*2	Includes reserve for assets that are not subject to disclosure based on the Banking Act and the Reconstruction Act. (Bankrupt/Effectively bankrupt borrowers: 3.0 billion yen, Potentially bankrupt borrowers: 3.2 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 the reserve for 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 0.1 billion yen.
*6	The proportion of the reserve to the claims, excluding the portion secured by collateral or guarantees, etc.

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Sumitomo Mitsui Financial Group

9. Reserve for possible loan losses and reserve ratio

Consolidated						(Millions of yen, %)
		Sep. 30, 2022			Mar. 31, 2022
		(a)	Reserve Ratio (b)	(a) - (c)	(c)	Reserve Ratio (d)
Reserve for possible loan losses		802,454	67.33	(15,330)	817,784	70.65
	General reserve	486,765		(25,515)	512,280
	Specific reserve	294,211		9,753	284,458
	Loan loss reserve for specific overseas countries	21,477		433	21,044
	Amount of direct reduction	171,923		12,668	159,255
SMBC non-consolidated						(Millions of yen, %)
		Sep. 30, 2022			Mar. 31, 2022
		(a)	Reserve Ratio   (b)	(a) - (c)	(c)	Reserve Ratio (d)
Reserve for possible loan losses		571,221	67.77	(17,987)	589,208	73.16
	General reserve	324,361		(32,918)	357,279
	Specific reserve	231,333		14,655	216,678
	Loan loss reserve for specific overseas countries	15,527		276	15,251
	Amount of direct reduction	126,410		11,215	115,195

Note: Reserve ratio (Reserve for possible loan losses / NPLs based on the Banking Act and the Reconstruction Act (Excluding Normal Assets)) is after direct reduction.

- 8 -

Sumitomo Mitsui Financial Group

 10. Non-performing loans (NPLs) based on the Banking Act and the Reconstruction Act, and coverage

Consolidated					(Millions of yen, %)
			Sep. 30, 2022		Mar. 31, 2022
			(a)	(a) - (b)	(b)
	Bankrupt and quasi-bankrupt loans		111,811	12,555	99,256
	Doubtful loans		711,414	67,533	643,881
	Substandard loans		368,637	(45,785)	414,422
		Past due loans (3 months or more)	14,244	691	13,553
		Restructured loans	354,392	(46,476)	400,868
Total (A)			1,191,863	34,303	1,157,560
	Normal assets		119,008,158	12,988,699	106,019,459
	Grand total (B)		120,200,022	13,023,003	107,177,019
NPL ratio (A/B)			0.99	(0.09)	1.08
					(Millions of yen)
			Sep. 30, 2022		Mar. 31, 2022
			(a)	(a) - (b)	(b)
Total coverage (C)			888,415	113,131	775,284
	Reserve for possible loan losses (D)		334,901	(18,807)	353,708
	Amount recoverable by guarantees, collateral and others (E)		553,513	131,938	421,575
					(%)
Coverage ratio (C) / (A)			74.54	7.56	66.98
Coverage ratio calculated with total reserve for possible loan losses included in the numerator			113.77	6.70	107.07
					(%)
Reserve ratio to unsecured assets (D) / (A - E)			52.46	4.40	48.06
Reserve ratio calculated with total reserve for possible loan losses included in the numerator			125.71	14.60	111.11
SMBC non-consolidated					(Millions of yen, %)
			Sep. 30, 2022		Mar. 31, 2022
			(a)	(a) - (b)	(b)
	Bankrupt and quasi-bankrupt loans		94,647	15,479	79,168
	Doubtful loans		593,488	71,160	522,328
	Substandard loans		154,703	(49,124)	203,827
		Past due loans (3 months or more)	3,200	(966)	4,166
		Restructured loans	151,503	(48,158)	199,661
Total (A)			842,839	37,514	805,325
	Normal assets		115,760,613	12,437,145	103,323,468
	Grand total (B)		116,603,452	12,474,658	104,128,794
NPL ratio (A/B)			0.72	(0.05)	0.77
					(Millions of yen)
			Sep. 30, 2022		Mar. 31, 2022
			(a)	(a) - (b)	(b)
Total coverage (C)			725,360	83,967	641,393
	Reserve for possible loan losses (D)		273,551	(9,914)	283,465
	Amount recoverable by guarantees, collateral and others (E)		451,810	93,882	357,928
					(%)
Coverage ratio (C) / (A)			86.06	6.42	79.64
Coverage ratio calculated with total reserve for possible loan losses included in the numerator			121.38	3.77	117.61
					(%)
Reserve ratio to unsecured assets (D) / (A - E)			69.96	6.60	63.36
Reserve ratio calculated with total reserve for possible loan losses included in the numerator			146.08	14.38	131.70

Note: Reserve for possible loan losses is sum of general reserve for substandard loans and specific reserve.

- 9 -

Sumitomo Mitsui Financial Group

11. Results of off-balancing of NPLs

SMBC non-consolidated

(Billions of yen)   

			Sep. 30, 2022   (a)	(a) - (b)	NPLs  newly classified  during the six  months ended  Sep. 30, 2022	Amount of     off-balancing	Mar. 31, 2022  (b)
	Bankrupt and quasi-bankrupt loans		94.6	15.5	11.7	3.8	79.2
	Doubtful loans		593.5	71.2	199.9	(128.7)	522.3
	Total		688.1	86.6	211.6	(124.9)	601.5
Result of measures connected to off-balancing (*1)			81.9				70.4
		Breakdown of    off-balancing  by factor (*2)	Disposition by borrowers’ liquidation			(0.5)
			Reconstructive disposition			(0.0)
			Improvement in debtors’ performance due to reconstructive disposition			0.0
			Loan sales to market			(17.2)
			Direct write-offs			(79.3)
			Others			(27.9)
				Collection / repayment, etc.		(11.9)
				Improvement in debtors’ performance		(16.1)
			Total			(124.9)

*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.

- 10 -

Sumitomo Mitsui Financial Group

12. Loan portfolio, classified by industry

SMBC non-consolidated    

(1) Loans and bills discounted, classified by industry

(Millions of yen, %)  

		Sep. 30, 2022			Mar. 31, 2022
		(a)	Ratio	(a) - (b)	(b)	Ratio
Domestic offices (excluding Japan offshore banking accounts)		59,170,472	100.0	1,190,742	57,979,730	100.0
	Manufacturing	8,548,972	14.4	55,086	8,493,886	14.6
	Agriculture, forestry, fisheries and mining	319,818	0.5	37,362	282,456	0.5
	Construction	790,810	1.3	77,935	712,875	1.2
	Transportation, communications and public enterprises	5,817,190	9.8	206,238	5,610,952	9.7
	Wholesale and retail	4,880,902	8.3	173,084	4,707,818	8.1
	Finance and insurance	7,756,424	13.1	409,949	7,346,475	12.7
	Real estate	9,155,159	15.5	241,777	8,913,382	15.4
	Goods rental and leasing	2,099,609	3.6	(51,928)	2,151,537	3.7
	Various services	4,723,561	8.0	(57,183)	4,780,744	8.2
	Municipalities	489,047	0.8	(16,656)	505,703	0.9
	Others	14,588,975	24.7	115,077	14,473,898	25.0
Overseas offices and Japan offshore banking accounts		36,858,991	100.0	7,167,427	29,691,564	100.0
	Public sector	324,482	0.9	47,326	277,156	0.9
	Financial institutions	2,600,479	7.1	309,748	2,290,731	7.7
	Commerce and industry	31,679,699	85.9	6,359,890	25,319,809	85.3
	Others	2,254,330	6.1	450,463	1,803,867	6.1
Total		96,029,464	-	8,358,170	87,671,294	-

- 11 -

Sumitomo Mitsui Financial Group

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

(Millions of yen, %)  

		Sep. 30, 2022			Mar. 31, 2022
		(a)	Reserve  ratio	(a) - (b)	(b)
Domestic offices (excluding Japan offshore banking accounts)		539,667	79.9	(30,845)	570,512
	Manufacturing	235,270	88.5	(30,473)	265,743
	Agriculture, forestry, fisheries and mining	2,939	63.5	(855)	3,794
	Construction	7,309	53.9	304	7,005
	Transportation, communications and public enterprises	43,496	98.0	7,665	35,831
	Wholesale and retail	64,421	61.6	(5,283)	69,704
	Finance and insurance	7,651	58.5	(193)	7,844
	Real estate	35,788	62.6	(5,807)	41,595
	Goods rental and leasing	461	46.9	48	413
	Various services	105,226	53.8	6,893	98,333
	Municipalities	-	-	-	-
	Others	37,102	100.0	(3,143)	40,245
Overseas offices and Japan offshore banking accounts		303,171	56.4	68,358	234,813
	Public sector	-	-	-	-
	Financial institutions	-	-	-	-
	Commerce and industry	269,413	56.4	61,318	208,095
	Others	33,758	56.1	7,040	26,718
Total		842,839	70.0	37,514	805,325

Note:	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)
			Sep. 30, 2022		Mar. 31, 2022
			(a)	(a) - (b)	(b)
Consumer loans			11,690,915	(90,607)	11,781,522
	Housing loans		10,955,023	(90,545)	11,045,568
		Self-residential purpose	8,973,090	(23,887)	8,996,977
	Other consumer loans		735,891	(63)	735,954

(4) Loans to small- and medium-sized enterprises, etc.

			(Millions of yen, %)
	Sep. 30, 2022		Mar. 31, 2022
	(a)	(a) - (b)	(b)
Outstanding balance	34,323,577	457,041	33,866,536
Ratio to total loans	58.0	(0.4)	58.4

Note: Outstanding balance includes loans to individuals.

- 12 -

Sumitomo Mitsui Financial Group

13. Loan portfolio, classified by country

SMBC non-consolidated

(1) Loans outstanding, classified by major domicile

(Millions of yen, %)  

		Sep. 30, 2022			Mar. 31, 2022
		(a)	Ratio	(a) - (b)	(b)	Ratio
Asia		9,262,884	25.8	1,289,799	7,973,085	27.9
	Indonesia	304,344	0.8	52,530	251,814	0.9
	Thailand	1,207,497	3.4	193,176	1,014,321	3.6
	Korea	445,128	1.2	61,782	383,346	1.3
	Hong Kong	2,285,694	6.4	249,776	2,035,918	7.1
	China	249,471	0.7	24,045	225,426	0.8
	Taiwan	676,333	1.9	109,053	567,280	2.0
	Singapore	2,162,377	6.0	305,430	1,856,947	6.5
	India	919,225	2.6	146,602	772,623	2.7
	Others	1,012,815	2.8	147,405	865,410	3.0
Oceania		2,545,575	7.1	394,622	2,150,953	7.5
	Australia	2,440,318	6.8	390,429	2,049,889	7.2
	Others	105,257	0.3	4,193	101,064	0.3
North America		13,117,691	36.6	3,556,223	9,561,468	33.4
	United States	10,555,202	29.4	2,997,376	7,557,826	26.4
	Others	2,562,489	7.2	558,847	2,003,642	7.0
Central and South America		2,238,323	6.2	508,424	1,729,899	6.1
	Brazil	446,279	1.2	113,130	333,149	1.2
	Panama	463,809	1.3	68,583	395,226	1.4
	Others	1,328,235	3.7	326,711	1,001,524	3.5
Western Europe		5,749,233	16.0	948,810	4,800,423	16.8
	United Kingdom	1,494,604	4.2	51,764	1,442,840	5.0
	Ireland	897,790	2.5	384,869	512,921	1.8
	Netherlands	950,188	2.6	208,387	741,801	2.6
	Others	2,406,651	6.7	303,790	2,102,861	7.4
Eastern Europe		225,107	0.6	12,078	213,029	0.7
	Russia	168,422	0.5	2,628	165,794	0.6
	Others	56,685	0.1	9,450	47,235	0.1
Others		2,754,654	7.7	590,416	2,164,238	7.6
Total		35,893,467	100.0	7,300,372	28,593,095	100.0

Note:     Classified by domicile of debtors.

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

(Millions of yen, %)  

		Sep. 30, 2022			Mar. 31, 2022
		(a)	Reserve  Ratio	(a) - (b)	(b)
Overseas Offices and Japan offshore banking accounts		303,171	56.4	68,358	234,813
	Asia	156,461	66.8	58,358	98,103
	Oceania	-	-	-	-
	North America	91,440	33.2	13,287	78,153
	Central and South America	22,907	80.7	2,174	20,733
	Western Europe	16,841	43.9	(17)	16,858
	Eastern Europe	-	-	-	-
	Others	15,520	63.9	(5,444)	20,964

Notes:	1.	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.
	2.	Classified by domicile of debtors.

- 13 -

Sumitomo Mitsui Financial Group

14. Balance of deposits and loans

SMBC non-consolidated

(1) Average balance of deposits and loans

					(Millions of yen)
			Six months ended		Six months ended
			Sep. 30, 2022 (a)	(a) - (b)	Sep. 30, 2021 (b)
Deposits			146,359,027	11,813,179	134,545,848
	Domestic units		115,386,996	5,668,014	109,718,982
Loans			93,647,600	12,055,737	81,591,863
	Domestic units		53,796,050	1,261,772	52,534,278
Note: Deposits do not include negotiable certificates of deposit. (2) Balance of deposits and loans, classified by type of depositor
					(Millions of yen)
			Sep. 30, 2022		Mar. 31, 2022
			(a)	(a) - (b)	(b)
Deposits			147,864,317	6,849,072	141,015,245
	Domestic deposits (excluding Japan offshore banking accounts)		119,365,875	662,519	118,703,356
		Individuals	57,138,082	1,016,023	56,122,059
		Corporates	62,227,793	(353,504)	62,581,297
Loans			96,029,464	8,358,170	87,671,294
	Domestic offices (excluding Japan offshore banking accounts)		59,170,472	1,190,742	57,979,730
	Overseas offices and Japan offshore banking accounts		36,858,991	7,167,427	29,691,564
Note: Deposits do not include negotiable certificates of deposit. Reference:
					(Billions of yen)
			Sep. 30, 2022		Mar. 31, 2022
			(a)	(a) - (b)	(b)
Balance of investment trusts			3,191.0	14.4	3,176.6
	Balance to individuals		2,606.1	21.6	2,584.5
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		Six months ended
			Sep. 30, 2022 (a)	(a) - (b)	Sep. 30, 2021 (b)
Sales of investment trusts to individuals			367.1	(36.9)	404.0
Sales of pension-type insurance to individuals			75.4	46.6	28.8

- 14 -

Sumitomo Mitsui Financial Group

15. Deferred tax assets and liabilities

							(Billions of yen)
SMBC non-consolidated					Sep. 30, 2022	Change from   Mar. 31, 2022	Mar. 31, 2022
(a)	Total deferred tax assets		(b-c)	1	387.9	52.4	335.5
	(b)	Subtotal of deferred tax assets		2	600.4	51.1	549.3
		Reserve for possible loan losses and write-off of loans		3	215.1	(2.1)	217.2
		Taxable write-off of securities		4	212.2	3.6	208.6
		Others		5	173.1	49.6	123.5
	(c) Valuation allowance			6	212.5	(1.3)	213.8
(d) Total deferred tax liabilities				7	414.7	(142.3)	557.0
	Net unrealized gains on other securities			8	329.8	(161.5)	491.3
	Others			9	84.9	19.2	65.7
Net deferred tax assets			(a-d)	10	(26.8)	194.7	(221.5)
	Amount corresponding to net deferred losses on hedges included in line 5 and net unrealized gains on other securities included in line 8			11	(250.9)	211.1	(462.0)
	Others			12	224.1	(16.4)	240.5

SMBC recognized deferred tax assets pursuant to paragraph 19 (classification 2) of the “Implementation Guidance on Recoverability of Deferred Tax Assets” (ASBJ Guidance No.26). This is due to the fact that SMBC has generated steady taxable income, excluding amounts arising from extraordinary factors, in all of the current and past three fiscal years.

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

				(Billions of yen)
	FY3/2020	FY3/2021	FY3/2022	1H, FY3/2023
Income of final tax return before deducting operating loss carryforwards	540.5	546.5	655.5	429.5
Note: The figure for 1H, FY3/2023 was estimated in interim closing.

- 15 -

Sumitomo Mitsui Financial Group

 16. Capital ratio (BIS guidelines)

  (Basel III basis)

Consolidated		(Billions of yen, %)
	Sep. 30, 2022 [Preliminary]		Mar. 31, 2022
	(a)	(a) - (b)	(b)
(1) Total capital ratio (4) / (7)	15.63	(0.93)	16.56
(2) Tier 1 capital ratio (5) / (7)	14.64	(0.82)	15.46
(3) Common equity Tier 1 capital ratio (6) / (7)	13.69	(0.76)	14.45
(4) Total capital	12,193.5	209.8	11,983.8
(5) Tier 1 capital	11,415.4	229.2	11,186.2
(6) Common equity Tier 1 capital	10,681.8	223.5	10,458.4
(7) Risk weighted assets	77,971.4	5,621.3	72,350.1
(8) Required capital (7) X 8%	6,237.7	449.7	5,788.0
(9) Leverage Ratio	4.83	(0.34)	5.17
SMBC consolidated
(1) Total capital ratio	14.36	(1.42)	15.78
(2) Tier 1 capital ratio	13.31	(1.22)	14.53
(3) Common equity Tier 1 capital ratio	11.61	(1.06)	12.67
(4) Leverage Ratio	4.34	(0.48)	4.82
SMBC non-consolidated
(1) Total capital ratio	12.73	(2.04)	14.77
(2) Tier 1 capital ratio	11.53	(1.96)	13.49
(3) Common equity Tier 1 capital ratio	9.73	(1.80)	11.53
(4) Leverage Ratio	3.86	(0.65)	4.51
17. ROE
Consolidated			(%)
	Six months ended Sep. 30, 2022		Six months ended Sep. 30, 2021
	(a)	(a) - (b)	(b)
ROE (denominator: Total stockholders’ equity)	10.3	0.9	9.4

  Note:

ROE (denominator: Total stockholders’ equity)	=	(Profit attributable to owners of parent) x (Number of days in a year (365 days)) / (Number of days in the period (183 days))	X 100
		{(Total stockholders’ equity at the beginning of the period) + (Total stockholders’ equity at the end of the period)} / 2

- 16 -

Sumitomo Mitsui Financial Group

 18. Earnings targets and dividends forecast for FY3/2023

 (1) Earnings targets

Consolidated		(Billions of yen)
	FY3/2023	FY3/2022 Result
Consolidated net business profit	1,265.0	1,152.9
Total credit cost	(210.0)	(274.4)
Ordinary profit	1,120.0	1,040.6
Profit attributable to owners of parent	770.0	706.6
SMBC non-consolidated		(Billions of yen)
	FY3/2023	FY3/2022 Result
Banking profit (before provision for general reserve for possible loan losses)	840.0	721.9
Total credit cost	(80.0)	(161.1)
Ordinary profit	850.0	746.0
Net income	590.0	546.3
(2) Dividends forecast
			(Yen)
	FY3/2023		FY3/2022 Result
	Interim	Annual
Dividend per share for common stock	115	230	210
Reference:			(Billions of yen)
	FY3/2023		FY3/2022 Result
	Interim	Annual
Total dividend	157.7	310.3	287.9

- 17 -

Sumitomo Mitsui Financial Group

Reference: Financial Statements of SMBC

1. Condensed balance sheet

 SMBC non-consolidated

								(Millions of yen	)
	Sep. 30, 2022						Mar. 31, 2022
	(a)			(a) - (b)			(b)
Assets
Cash and due from banks		65,991,341			(4,849,468	)		70,840,809
Call loans		7,075,668			4,840,850			2,234,818
Receivables under resale agreements		1,178,424			(466,986	)		1,645,410
Receivables under securities borrowing transactions		1,884,837			21,757			1,863,080
Monetary claims bought		2,316,004			25,397			2,290,607
Trading assets		3,157,387			1,131,620			2,025,767
Securities		31,630,177			(6,608,402	)		38,238,579
Loans and bills discounted		96,029,464			8,358,170			87,671,294
Foreign exchanges		2,713,664			(8,071	)		2,721,735
Other assets		9,544,304			4,252,330			5,291,974
Tangible fixed assets		769,906			3,429			766,477
Intangible fixed assets		262,992			13,242			249,750
Prepaid pension cost		463,605			35,441			428,164
Customers’ liabilities for acceptances and guarantees		16,259,230			3,973,764			12,285,466
Reserve for possible loan losses		(571,221	)		17,987			(589,208	)
Total assets		238,705,788			10,741,059			227,964,729

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

- 18 -

Sumitomo Mitsui Financial Group

(Millions of yen)

	Sep. 30, 2022						Mar. 31, 2022
	(a)			(a) - (b)			(b)
Liabilities
Deposits		147,864,317			6,849,072			141,015,245
Negotiable certificates of deposit		14,563,142			1,454,345			13,108,797
Call money		876,444			195,551			680,893
Payables under repurchase agreements		12,819,034			(1,807,203	)		14,626,237
Payables under securities lending transactions		219,661			(86,118	)		305,779
Commercial paper		1,227,039			(2,141	)		1,229,180
Trading liabilities		2,057,078			498,399			1,558,679
Borrowed money		20,537,074			(6,163,141	)		26,700,215
Foreign exchanges		1,664,352			325,189			1,339,163
Bonds		719,101			(1,746	)		720,847
Due to trust account		2,226,616			(95,083	)		2,321,699
Other liabilities		10,410,455			6,154,691			4,255,764
Reserve for employee bonuses		11,738			(846	)		12,584
Reserve for executive bonuses		-			(1,150	)		1,150
Reserve for point service program		907			37			870
Reserve for reimbursement of deposits		2,246			(2,728	)		4,974
Deferred tax liabilities		26,761			(194,742	)		221,503
Deferred tax liabilities for land revaluation		29,132			(61	)		29,193
Acceptances and guarantees		16,259,230			3,973,764			12,285,466
Total liabilities		231,514,336			11,096,090			220,418,246
Net assets
Capital stock		1,770,996			-			1,770,996
Capital surplus		1,774,554			-			1,774,554
Capital reserve		1,771,043			-			1,771,043
Other capital surplus		3,510			-			3,510
Retained earnings		3,436,172			356,312			3,079,860
Other retained earnings		3,436,172			356,312			3,079,860
Voluntary reserve for retirement allowances		1,656			-			1,656
Voluntary reserve		219,845			-			219,845
Retained earnings brought forward		3,214,671			356,313			2,858,358
Treasury stock		(210,003	)		-			(210,003	)
Total stockholders’ equity		6,771,720			356,312			6,415,408
Net unrealized gains (losses) on other securities		723,335			(565,079	)		1,288,414
Net deferred gains (losses) on hedges		(329,154	)		(146,252	)		(182,902	)
Land revaluation excess		25,550			(13	)		25,563
Total valuation and translation adjustments		419,731			(711,343	)		1,131,074
Total net assets		7,191,452			(355,031	)		7,546,483
Total liabilities and net assets		238,705,788			10,741,059			227,964,729

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)

	Six months ended Sep. 30, 2022 (a)		Six months ended Sep. 30, 2021 (b)
		(a) - (b)
Ordinary income	2,032,709	909,731	1,122,978
Interest income	1,189,217	555,016	634,201
Interest on loans and discounts	754,817	308,599	446,218
Interest and dividends on securities	226,323	85,054	141,269
Trust fees	1,061	78	983
Fees and commissions	317,927	50,360	267,567
Trading income	8,192	(27,445)	35,637
Other operating income	387,402	322,356	65,046
Other income	128,907	9,365	119,542
Ordinary expenses	1,491,323	784,168	707,155
Interest expenses	577,727	432,108	145,619
Interest on deposits	171,005	153,534	17,471
Fees and commissions payments	95,813	(4,866)	100,679
Trading losses	205,136	205,136	-
Other operating expenses	96,902	86,324	10,578
General and administrative expenses	430,670	23,250	407,420
Other expenses	85,072	42,216	42,856
Ordinary profit	541,386	125,564	415,822
Extraordinary gains	352	(783)	1,135
Extraordinary losses	724	(3,270)	3,994
Income before income taxes	541,014	128,051	412,963
Income taxes - current	129,819	40,010	89,809
Income taxes - deferred	11,439	(25,496)	36,935
Total income taxes	141,258	14,513	126,745
Net income	399,755	113,537	286,218

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

- 20 -

Sumitomo Mitsui Financial Group

3. Statement of changes in net assets

SMBC non-consolidated

Six months ended September 30, 2022																						(Millions of yen)
				Capital surplus						Retained earnings
										Other retained earnings
	Capital stock			Capital reserve			Other capital surplus			Voluntary reserve for retirement   allowances			Voluntary   reserve			Retained     earnings brought forward			Treasury   stock			Total stockholders’ equity
Balance at the beginning of the period		1,770,996			1,771,043			3,510			1,656			219,845			2,858,358			(210,003	)	6,415,408
Changes in the period
Cash dividends																	(43,455	)				(43,455)
Net income																	399,755					399,755
Reversal of land revaluation excess																	12					12
Net changes in items other than stockholders’ equity in the period
Net changes in the period																	356,312					356,312
Balance at the end of the period		1,770,996			1,771,043			3,510			1,656			219,845			3,214,671			(210,003	)	6,771,720
														(Millions of yen	)
	Valuation and translation adjustments
	Net unrealized gains (losses) 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		1,288,414			(182,902	)		25,563			1,131,074			7,546,483
Changes in the period
Cash dividends														(43,455	)
Net income														399,755
Reversal of land revaluation excess														12
Net changes in items other than stockholders’ equity in the period		(565,078	)		(146,252	)		(12	)		(711,343	)		(711,343	)
Net changes in the period		(565,078	)		(146,252	)		(12	)		(711,343	)		(355,030	)
Balance at the end of the period		723,335			(329,154	)		25,550			419,731			7,191,452

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

- 21 -