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1 2010

2

3 CS TEL TEL TEL TEL

4 , , Tier I ,134 5,5876,450 2, LEAD THE VALUE Tier I

5 ,000 No IT

6 4 Tier I 10% ROE10% 2 5 SMFG V-KIP Value Knowledge Information Profit IT

7 SMBC 23 1 SMBC SMBC 40 CS ,313 6, ,

8 ,340 2, % 47.1% SMBC 2,954 2,546 SMBC Tier I % SMFG +6, ,715 ROE:7.5 SMFG ROE10% 22 Tier I10% Forward looking SMFG NYSE

9 *1 *2 2120% * * 2 5 * % % 20% 21* * % * % H % * 1 * 2 Project Finance International* 3 * 4 * 5 Basis PointLPC * 6 ASIAMONEY RHB H21/4 * 3 H22/4 H22/6 H22/5 * 1 * 2 * 3 7

10 * 1 Tier I 23.5 H21/3 2, % % H21/9 2, % 17% % H22/3 2, % % 100% 100% 100% 100% 22% 51% No.1 3,000 SMBC SMFG 66% 69% * 3 40% 100% 34% NTT * 3 * * 2 * ,000 1,000 0 * 2 (1,000) (2,000) H ,000

11 H18/3 H19/3 H20/3 H21/3 H22/3 H18/3 H19/3 H20/3 H21/3 H22/3 H18/3 H19/3 H20/3 H21/3 H22/3 H20 33,000 Global e-trade , ,500 3,000 2,500 2,000 1, , H18/3 H19/3 H20/3 H21/3 H22/3 H18/3 H19/3 H20/3 H21/3 H22/3 H18/3 H19/3 H20/3 H21/3 H22/3 Web21 SMBC H18/3 H19/3 H20/3 H21/3 H22/3 H18/3 H19/3 H20/3 H21/3 H22/3 H18/3 H19/3 H20/3 H21/3 H22/3 9

12 10 SMFG 212 6, ,127 3, , ,000 9 SMFG NTT id22 3 1,420iD 44 idntt ACM ,235

13 21 ATM SMBC SMBC Gomez , Topics SMFG SMBC

14 WEB WEB 20 4 &21 8 SMBC ,000 PR SMBC-ECO SMBC-ECO 22 4 SMBC-ECO SMFGin SMFG 22 3 e-

15 Topics

16 14 One Bank M&A/MBO OUR SOLUTION

17 21 EuroWeek Asia Infrastructure Journal Asiamoney 2 No M&A M&A UFJ 913, % , % , % , % , % , % , % 1 8 8, % 1 9 6, % , % , % 63 2 UFJ 5, % , % , % , % , % , % 6 8 2, % 4 9 JP 1, % , % 9 1 Topics 22 5 Infrastructure Journal Project Finance International 5 Global Initial Mandated Lead Arrangers State Bank of India 19, Calyon 7, BNP Paribas SA 5, Societe Generale 4, Sumitomo Mitsui Financial Group, Inc. 4, Project Finance International 15

18 16 SMFG Absa Bank Limited Absa Bank 217 CMS CPM e Topics

19 22 3 Eco-Asia i-deal ( 4 20 Federation of Malaysian Manufacturers FMM NGOGreen Purchasing Network Association Malaysia GPNM ALM ALM Banco de la Republica Oriental del Uruguay 18 8 FMM GPNM ALM CD CP ALM ALM ALM SMFG ALM 3 Topics 22 3 ALM 17

20 S 18 M FG SMFGFGCC * FGCC * ,460 1, ATM SMFG Sumitomo Mitsui Financial Group, Inc , Moody s Aa2 P 1 Standard & Poor s A+ A 1 Fitch Ratings A F1 R&I A+ a 1 JCR AA J 1+ H19/3 H20/3 H21/3 H22/3 29,256 34,110 29,896 25,799 7,166 7, ,577 4,017 3,518 3,173 3,324 54,124 50,807 45,186 68, ,706 1,086,377 1,158,493 1,200,413

21 VISA , JCR A+ J 1+ H19/3 H20/3 H21/3 H22/3 47,538 53,752 58,587 62,090 1,576 1,684 1,802 1, ,951 16,406 18,655 20, , Standard & Poors A A 2 JCR A J 1 H21/3 H22/3 1, , , , R&I A+ a 1 JCR AA J 1+ H19/3* H20/3 H21/3 H22/3 5,994 5,168 6,300 3, ,541 8,958 7,336 7,084 9,476 8, * 19

22 S 20 M BC 3 IT IT NTT 21 1 SMBC JSOL NTT IT ,061 SMBC , ,533 H19/3* H20/3 H21/3 H22/ * H18.07 JSOL H19/3 H20/3 H21/3 H22/ Moody s Aa2 P 1 Standard & Poor s A A 1 R&I A+ a 1 JCR AA H21/3 H22/3 H21/6 10 * 1, , *6 9

23 ,705,136 3,901,259 4,623,545 3,552,843 3,166, , , ,160 45, , , , , , ,559 4,454,399 5,331,279 5,224,076 4,611,764 7,000, ,010, ,858, ,955, ,637, ,159,513 1,243,160 1,067,386 1,092,661 1,586,317 1,529,484 1,035, , ,702 1,077,852 1,068,329 1,373,337 1,825, ,420 33, , , , , , , , , , , , , ROE PER ,681 41,428 46,429 48,079 57, , , ,

24 , , , , ,379 46, ,680 89, , ,818 48, ,477 89, ,309 94,534 73, ,535 82, ,468 66,176 1,420,877 1,420,877 1,420,877 1,420,877 2,337,895 7,424,172 7,733,653 7,733, ,080,477 1,414,055, , , , ,401 70,001 3,935,426 2,997,898 2,968,749 2,977,547 4,805,574 4,166,332 3,959,444 4,021,217 4,057,313 6,152, , , , , , ,000 7,000 12, ,500 28,500 13, , , , ,000 67, , , , ,000 67, , , , ,000 67, , , , ,000 67, , , , , , , , , , , , , , , , ,000 67, , , , ,000 67, , , , ,000 67, , , , ,000 67, ,500 88,500 88,500 88,500 88, , , , , , , ROE PER , , ,

25 2,750,274 2,925,665 3,411,052 2,989,608 2,579, , , ,958 59, , , , , , ,497 3,598,294 5,412,458 5,080,747 4,518,647 6,894, ,418,597 98,570, ,637, ,849, ,041,369 1,219,383 1,047,566 1,073,471 1,561,824 1,498,271 1,006, , ,031 1,011,845 1,007,160 1,337,192 1,852, ,456 59, , , , , , , , , , , , , , , , ROE ,918 31,718 36,085 37,345 47,

26 24 960, , ,939 1,194,170 1,100, ,287,935 2,451,351 2,933,626 2,546,997 2,080,536 8,626 3,482 3,710 2,074 1,736 A 1,552,033 1,344,490 1,484,783 1,524,856 1,455,275 B 586, , , , ,752 B / A , , , , , , , , , , , , ,739 36, , , , , , ,995 3,634,776 3,992,884 3,493,249 2,546,493 5,397,949 97,443,428 91,537, ,033, ,478, ,536,394 65,070,784 66,235,002 66,417,260 69,499,997 70,457,266 51,857,559 53,756,440 56,957,813 60,241,266 56,619,058 25,202,541 20,060,873 22,758,241 28,000,515 28,536, , , ,587 1,137,058 1,068, , , , , ,178 1,316,206 1,832, ,749 42, ,377 1,305,915 1,174,396 1,175,711 1,262,993 1,403,236 7,870 5, , , , , , , , , , , , ,986 1,770,996 55,212 56,355 56,355 56, , , , , , , , ,487 1,638 1,620 10,500 28,500 13, ,500 88,500 88,500 88,500 88, , , , , , , , ROE ,050 16,407 17,886 21,816 22,

27 ,366 5,134 5,587 6,450 2, ,165,880 2,236,634 70,754 1,338,453 1,380,912 42,459 2,122 1, , ,616 51, , ,087 17,651 56,386 51,238 5,148 1,063,419 1,161,302 97, , , , , , , , , , ,145 17,944 86,201 65,585 95,063 29, ,677 10, ,599 94,876 21,542 73,334 9,111 11,003 1,892 45, , ,458 15, ,144 7,363 12,856 5,493 1, , , ,602 72, ,110 31, ,405 74, ,646 68, ,668 39, , , , , , ,807 7,287 8,323 1,

28 ,4854,6566 9, , ,5176, ,637, ,159,513 3,522,289 28,698,164 28,623,968 74,196 65,135,319 62,701,033 2,434, ,025, ,158,708 1,133,248 75,569,497 78,648,595 3,079,098 7,461,284 6,995, ,665 4,611,764 7,000,805 2,389, , , ,446 6,199 5, ,741 28,155 1,414 58,610 31,869 59, , , , , , , ,941 7, , , , , , ,761 2,826 21,534 24, , , ,821 8,163 37,412 47,920 85,332 51,771 89, ,788 72, , , , , , , ,770 7, , , , , , ,761 24,419 49,690 25, , , ,162 8,793 38,180 47,920 86,100 51,733 89, ,950 72, ,710 41,91439,315 27,05634,999

29 %3.55% , , Tier 1 4,335,085 6,032,280 1,697,195 Tier 2 2,420,968 2,563, , , , ,335 6,047,812 8,128,228 2,080,416 52,726,507 54,084,471 1,357, % 15.02% 3.55% Tier % 11.15% 2.93% ,2837, , , ,305 Tier % 11.6% 7.6% 27

30 , , ,695 4,266 4,627 6,191 3, , , , ,018,389 1,046,382 27,993 2,074 1, , ,714 7, , ,356 59,682 35,530 5,085 30,445 1,524,856 1,455,275 69,581 (1,498,728) (1,418,005) ( 80,723) 1,147,202 1,117,224 29, , ,050 39, , ,752 15, , ,728 8, , ,265 22,966 38,282 36,759 1, , ,522 53,855 (797,248) (732,252) ( 64,996) 75,730 9,067 84, , ,589 30, ,030 2,542 1,640 1,146 2,565 1,228 7,

31 3,9573,158 2,105 2,638 2, ,638 2,9542,546 4,266 4, ,191 3, , ,522 53,855 75,730 9,067 84, , , ,553 7,066 56,719 49,653 4, , ,147 51, , ,429 3, ,286 16,803 55,892 39, , , ,752 36, , ,694 2,139 2,448 4,587 6,138 10,525 4, ,269 7, ,748 44,997 21, ,154 91, , , , , , , ,419 75,730 9,067 84, , , , ,346 92,114 90,232 60,182 69,259 9,

32 , , , ,4901 7, ,735 7, ,222 7,044 4,489 3, , , , ,478, ,536,394 3,941,824 28,000,515 28,536, ,685 60,241,266 56,619,058 3,622, ,931,725 98,138,445 6,793,280 69,499,997 70,457, ,269 7,405,710 7,173, ,337 2,546,493 5,397,949 2,851,456

33 21 35,845 5,658 5,6445, ,851 28, ,903 30,052 58, ,536 3,536 13,471 9,935 13,471 42, , , , , , ,493 16, , , , , , ,672 1,241 16,910 18, , , ,064 6,918 24,914 47,566 72,480 33,772 58,686 97,674 63, , , , , , , ,686 20, , , , , , ,153 26,609 45,066 18, , , ,594 7,545 25,176 47,566 72,743 25,843 51,019 97,831 71, ,710 46,708 1,217 39, ,178 29,

34 Cards CLO AAA AA CMBS AAA BBB RMBS ABCP , , ,752 2, AAA 1. 1,

35 2 CDS , , , , CDS , , , ABCP SIV Structured Investment Vehicle , , , , , , ,101 1,336 1, ,437 1, ,678 1,921 1,051 1,072 6,599 2, ,013 2,073 1,386 1,224 7,086 2,610 ABCP

36

37 35 1 VaR 2 2

38 36 VaR VaR BIS CPM SMBC

39 3 1 37

40 38 PDLGD

41 39 3 4

42 DCF 2 DCF DCF DCFDCF DCF DCF

43 ALM ALM ALM

44 VaR 3 1 VaR BPV VaR 52.5 VaR 21VaR VaR VaR 21 VaR VaR 99.0VaR 1. VaR 199.0VaR BPV

45 VaR VaR Tier 1Tier Tier 1 Tier Tier (%) TOPIX VaR ,884 5,327 5,617 4,908 2,724 3,967 2,493 3,579 2, , Tier 1 + Tier 2 8.6% 6.1% 8.9% 5.8%

46

47

48

49 VaR VaR VaR 99.0 VaR 99.9 VaR 99.9 VaR 99.0 VaR ,100,80,150,

50

51 FISC IT

52 CSR CSR Corporate Social Responsibility CSR CSR CSR CSR SMFGCSR SMFG CSR..... CSR CSR 4 SMFG CSR CSR CSR CSR CSR 50

53 51 C S 18 4 CSCS CS DB DB DB CS CS CS SMFG CS CSCS CS C S DB

54 SMFG

55 IIA IIA The Institute of Internal Auditors, Inc. IIA IIA 1941 CIA SMFG SMBC 53

56 CSR P SMFG SMFG SMFG SMFG SMBC SMFG 54

57 ADR

58 ISO14001 CSR SMFG 3 3 PDCA EMS ISO14001 PDCA EMS SMFG CSR PLAN DO SMFG CHECK ACT & SMBC 56

59 ,500 CO2 IT ATM IT CUTE A4300 ATM ATM CUTE A42, Eco-biz 57 Topics SMBC 2009 SMBC2009 CUTE IT2009 CUTEIT IT2009 IT IT

60 * 1 * 2 * 3 * 4 * 5 * 6 SMFG SAFE 8 SMFG SMBC SMBC* 1 SMBC-ECO 0.25 NPO20 SMBC JRI* 2 SMBC SMFL* 3 SMBC SMBC ECOBIZ SMBC 301, CO CDM 21 6 Climate & Children Supporters 22 3 SMBC DWS eco japan cup SMFL 19 8 JRI JRI SMBC SMBCCN* 4 * 5 SMCC* 6 WEB WEBEWEB CO2 58

61 in 2009 SMFG 12 SMFG Eco Products International Fair SMBC ,

62 SMBC SMBC SMBC SMBC Topics

63 YUI YUI 21YUI 10 61

64 62 e-card WWFWFP VJA VISA VISA TABLE FOR TWO 1201 NPOTABLE FOR TWO International SMBC GLOBAL FOUNDATION 6 5, SMFG SMBC2 130

65 C C C SMBC 21 eco japan cup SMBC 18 SMBC

66 64 SMBC OJT 5 SMFL OJT SMBC OJT

67 SMBC SMBC 4 SMBC Great Place to Work Institute Japan 325 Great Place to Work Institute, Inc. Fortune

68 ,273 23,543 25,122 13,457 13,669 13, % 58.06% 54.90% 6,816 9,874 11, % 41.94% 45.10% % 1.95% 1.90% , % 40.3% 35.9% ,989 2,156 2,247 1,075 1,112 1, % 51.58% 50.42% 914 1,044 1, % 48.42% 49.58% % 67.3% 54.8% ,575 1,640 1,666 1,022 1,023 1, % 62.38% 62.12% % 37.62% 37.88% % 5.0% 3.6% ,060 2,215 2,322 1,618 1,732 1, % 78.19% 77.17% % 21.81% 22.83% % 31.3% 28.0% 2

69 SMBC ,911 2,011 2,072 1,354 1,434 1, % 71.31% 70.56% % 28.69% 29.44% ,137 6,004 6,584 4,184 3,578 4, % 59.59% 61.62% 2,953 2,426 2, % 40.41% 38.38% % 50.4% 45.9% % 29.1% 34.0% 3FA % SMBC :30 16:

70 M BC S M FG S

71 CONTENTS

72 M FG Vietnam Export Import Commercial Joint Stock Bank SMBC Leasing and Finance, Inc.S SMBC Securities, Inc SMBC Sumitomo Mitsui Banking Corporation Europe Limited Manufacturers Bank Sumitomo Mitsui Banking Corporation of Canada Banco Sumitomo Mitsui Brasileiro S.A. ZAO Sumitomo Mitsui Rus Bank PT Bank Sumitomo Mitsui Indonesia SMBC SMBC SMBC SMM SMBC JSOL SMBC Capital Markets, Inc. SMBC Capital Markets Limited

73 IT SMFG& S M FG 71

74 Vietnam Export Import Commercial Joint Stock BankM BCS SMBC Securities, Inc SMBC Sumitomo Mitsui Banking Corporation Europe Limited Manufacturers Bank Sumitomo Mitsui Banking Corporation of Canada Banco Sumitomo Mitsui Brasileiro S.A. ZAO Sumitomo Mitsui Rus Bank PT Bank Sumitomo Mitsui Indonesia SMBC SMBC SMM SMBC SMBC Leasing and Finance, Inc. SMBC Capital Markets, Inc. SMBC Capital Markets Limited SMFG & SMBC 72

75 * * * IT * * * * * * * SMFG& * * IT William M. Ginn SMBC Chan Chi Keung, Chris EC 73 S M BC

76 M BCS

77 75 S M BC

78 M BC S M FG S ,770, , , , (65.99) SMBC , SMFG ,000 0 (100) ,438 0 (95.74) (10.59) ,170 0 (50.99) SMM ,700 0 (56) ,250 0 (59.70) SMBC ,010 0 (100) 100 SMBC (100) 0 (100) SMBC ,720 0 (100) 0 (100) SMBC (100) 100 SMBC ,705 0 (100) 0 (100) SMBC (100) 0 (100) (100) 0 (100) SMBC ,100 0 (100) 50 (25) SMBC (100) 100 SMBC ,000 0 (100) ,054 0 (50.21) (5.00) ,484 0 (46.44) (1.33) ,039 0 (60.24) (0.35) SMBC (100) 100 SMBC (100) 100 SMBC (100) 100 SMBC (100) 100 SMBC (100) 100 SMBC (100) 100 SMBC (100) 100 SMBC (100) 100 SMBC (100)

79 SMBC SMBC SMBC SMBC SMBC SMBC * Queen Victoria Street, London Sumitomo Mitsui Banking Corporation Europe Limited EC4V 4EH, U.K. Sumitomo Mitsui Banking Corporation (China) Limited 11F, Shanghai World Financial Center, 100 Century Avenue, Pudong New Area, Shanghai , The People s Republic of China 515 South Figueroa Street, Los Angeles, CA 90071, U.S.A. Ernst & Young Tower, Toronto Dominion Centre, Suite 1400, P.O. Box 172, 222 Bay Street, Toronto, Ontario M5K 1H6, Canada Av. Paulista 37, 11 e 12 andar São Paulo, -SP- CEP Brazil Presnenskaya naberezhnaya, 10, block C, Moscow, , Russian Federation Summitmas II, 10th Floor, JI. Jend. Sudirman Kav , Jakarta 12190, Indonesia 2711 Centerville Road, Suite 400, Wilmington, DE 19808, U.S.A. Manufacturers Bank Sumitomo Mitsui Banking Corporation of Canada Banco Sumitomo Mitsui Brasileiro S.A. ZAO Sumitomo Mitsui Rus Bank PT Bank Sumitomo Mitsui Indonesia SMBC SMBC Leasing and Finance, Inc. SMBC 277 Park Avenue, New York, NY10172 U.S.A. SMBC Capital Markets, Inc. SMBC 32 Loockerman Square, Suite L 100, Dover, SMBC Securities, Inc. DE 19901, U.S.A. SMBC 32 Loockerman Square, Suite L 100, Dover, SMBC Financial Services, Inc. DE 19901, U.S.A. Walker House, 87 Mary Street, George Town, Grand Cayman, KY1-9005, Cayman Islands SMBC Cayman LC Limited Sumitomo Finance (Asia) Limited SBTC, Inc. SB Treasury Company L.L.C. SB Equity Securities (Cayman), Limited SFVI Limited Sakura Finance (Cayman) Limited Sakura Preferred Capital (Cayman) Limited SMBC SMBC International Finance N.V. SMBC Leasing Investment LLC SMBC Capital Partners LLC SMBC SMBC MVI SPC SMBC SMBC DIP Limited P.O. Box 694, Edward Street, George Town, Grand Cayman, Cayman Islands 1013 Center Road, Wilmington, New Castle County, Delaware 19805, U.S.A Center Road, Wilmington, New Castle County, DE 19805, U.S.A. PO Box 309, Ugland House, Grand Cayman, KY1-1104, Cayman Islands P.O. Box 961, 30 De Castro Street, Road Town, Tortola, British Virgin Islands PO Box 309, Ugland House, Grand Cayman, KY1-1104, Cayman Islands PO Box 309, Ugland House, Grand Cayman, KY1-1104, Cayman Islands P.O. Box 3889 Berg Arrarat 1, Curacao, Netherlands Antilles c ocorporation Service Company, 2711 Centerville Road, Suite 400, Wilmington, DE 19808, U.S.A. c ocorporation Service Company, 2711 Centerville Road, Suite 400, Wilmington, DE 19808, U.S.A. Walker House, 87 Mary Street, George Town, Grand Cayman, KY1-9001, Cayman Islands Walker House, 87 Mary Street, George Town, Grand Cayman, KY1-9001, Cayman Islands (100) (100) (100) (100) ,600 0 (69.71) (100) (100) ,600 0 (100) , , , , , , (100) (100) (100) (100) (100) 99 0 (99) 99 0 (100) (7.69) 0 (100) 90 (10) 0 (100) 90 (10) 0 (100) (100) (100) (100) (100) 0 (100) 0 (100) (100) (100) (100) (100) (100) 0 (100) 0 (100) (100) (100) 100 S M FG S M BC 77

80 M BC S M FG S SMBC SMBC Capital Markets Limited SMBC SMBC Derivative Products Limited SMBC SMBC Capital India Private Limited Sumitomo Mitsui Finance Dublin Limited Sakura Finance Asia Limited Sumitomo Mitsui Finance Australia Limited SMFG 1 SMFG Preferred Capital USD 1 Limited SMFG 1 SMFG Preferred Capital GBP 1 Limited SMFG 2 SMFG Preferred Capital USD 2 Limited SMFG 2 SMFG Preferred Capital GBP 2 Limited SMFG 1 SMFG Preferred Capital JPY 1 Limited SMFG 3 SMFG Preferred Capital USD 3 Limited SMFG 2 SMFG Preferred Capital JPY 2 Limited SMFG 3 SMFG Preferred Capital JPY 3 Limited SMBC 1 SMBC Preferred Capital USD 1 Limited SMBC 1 SMBC Preferred Capital GBP 1 Limited SMBC 2 SMBC Preferred Capital USD 2 Limited SMBC 2 SMBC Preferred Capital GBP 2 Limited SMBC 1 SMBC Preferred Capital JPY 1 Limited SMBC 3 SMBC Preferred Capital USD 3 Limited SMBC 2 SMBC Preferred Capital JPY 2 Limited 99 Queen Victoria Street, London EC4V 4EH, U.K. 99 Queen Victoria Street, London EC4V 4EH, U.K. B-14/A, Qutab Institutional Area, Katwaria Saria, New Delhi , India La Touche House, International Financial Services Centre, Custom House Docks, Dublin 1, Ireland 7 & 8th Floor, One International Finance Centre, 1 Harbour View Street, Central, Hong Kong Level 35, The Chifley Tower, 2 Chifley Square, Sydney, NSW 2000, Australia PO Box 309, Ugland House, Grand Cayman, KY1-1104, Cayman Islands PO Box 309, Ugland House, Grand Cayman, KY1-1104, Cayman Islands PO Box 309, Ugland House, Grand Cayman, KY1-1104, Cayman Islands PO Box 309, Ugland House, Grand Cayman, KY1-1104, Cayman Islands PO Box 309, Ugland House, Grand Cayman, KY1-1104, Cayman Islands PO Box 309, Ugland House, Grand Cayman, KY1-1104, Cayman Islands PO Box 309, Ugland House, Grand Cayman, KY1-1104, Cayman Islands PO Box 309, Ugland House, Grand Cayman, KY1-1104, Cayman Islands PO Box 309, Ugland House, Grand Cayman, KY1-1104, Cayman Islands PO Box 309, Ugland House, Grand Cayman, KY1-1104, Cayman Islands PO Box 309, Ugland House, Grand Cayman, KY1-1104, Cayman Islands PO Box 309, Ugland House, Grand Cayman, KY1-1104, Cayman Islands PO Box 309, Ugland House, Grand Cayman, KY1-1104, Cayman Islands PO Box 309, Ugland House, Grand Cayman, KY1-1104, Cayman Islands PO Box 309, Ugland House, Grand Cayman, KY1-1104, Cayman Islands (100) (100) 0 (100) , , ,800, , , ,350, , , , , ,811, , , ,358, ,500 0 (100) (0.00) 0 (100) (100) (100) (100) (100) (100) (100) (100) (100) (100) 100 * SMBC % 78

81 SMBC* ,767 0 (40) (40) , ,000 0 (27.5) 27.5 JSOL ,000 0 (50) (49) 49 S M FG S Vietnam Export Import Commercial Joint Stock Bank 7 Le Thi Hong Gam Street, Nguyen Thai Binh Ward, District 1, Ho Chi Minh City, Vietnam , (15.06) ,737 0 (22.02) M BC ,912 0 (100) (50.00) ,268 0 (100) 0 (100) ,268 0 (47.01) 4.99 (42.01) * ,843 0 (48.58) , * 1 SMBC *

82 80 S M BC TX ,

83 81 S M BC Biz SL NS

84 82 S M BC J.CITY ASTA

85 83 S M BC JR SMBC

86 84 S M BC D PL IBU JR

87 85 S M BC JR

88 86 S M BC

89 S M BC 87

90 M BC S 88

91 * 1 11F, Shanghai World Financial Center, 100 Century Avenue, Pudong New Area, Shanghai , The People s Republic of China 12F, The Exchange Tower 2, 189 Nanjing Road, Heping District, Tianjin , The People s Republic of China 12F, International Finance Place, No.8 Huaxia Road, Tianhe District, Guangzhou , The People s Republic of China 23F, Metropolitan Towers, No. 199 Shi Shan Road, Suzhou New District, Suzhou, Jiangsu , The People s Republic of China 23F, Golden Plaza, No.118, Qing Chun Road, Xia Cheng District, Hangzhou, Zhejiang , The People s Republic of China Unit1601,16F, North Tower, Beijing Kerry Centre, No.1, Guang Hua Road, Chao Yang District, Beijing , The People s Republic of China 1501, E Building, Shenyang Fortune Plaza, 59 Beizhan Road, Shenhe District, Shenyang , The People s Republic of China 8F, E2B, Binhai Financial Street, No. 20, Guangchang East Road, TEDA, Tianjin , The People s Republic of China 16F, International Building, No. 2, Suhua Road, Suzhou Industrial Park, Jiangsu Province , The People s Republic of China 11F, Shanghai World Financial Center, 100 Century Avenue, Pudong New Area, Shanghai , The People s Republic of China Senmao Building 9F, 147 Zhongshan Lu, Dalian , The People s Republic of China 27F, Metropolitan Tower, 68 Zourong Road, Yuzhong District, Chongqing ,The People s Republic of China 2 Room No. 606, Gloria Plaza Hotel Shenyang, No. 32 Yingbin Street, Shenhe District, Shenyang , The People s Republic of China SMBC 7th & 8th Floor, One International Finance Centre, 1 Harbour View Street, Central, Hong Kong Special Administrative Region, The People s Republic of China 3F, Walsin Lihwa Xinyi Building, No. 1 Songzhi Road, Xinyi District, Taipei 110, Taiwan Young Poong Bldg. 7F, 33, Seorindong, Jongno-gu, Seoul, , Korea 3 Temasek Avenue #06-01, Centennial Tower, Singapore , The Republic of Singapore Level 12 (B&C), Main Office Tower, Financial Park Labuan, Jalan Merdeka, Labuan, Federal Territory, Malaysia Letter Box No. 25, 29th Floor, UBN Tower, 10, Jalan P. Ramlee, Kuala Lumpur, Malaysia 9th Floor, The Landmark, 5B Ton Duc Thang Street, District 1, Ho Chi Minh City, Vietnam 1105, 11th Floor, Pacific Place Building, 83B Ly Thuong Kiet Street, Hanoi, Vietnam Vietnam Export Import Commercial Joint Stock Bank 7 Le Thi Hong Gam Street, Nguyen Thai Binh Ward, District 1, Ho Chi Minh City, Vietnam Room Number 717/718, 7th Floor, Traders Hotel, 223 Sule Pagoda Road, Pabedan Township, Yangon, Myanmar 8th-10th Floor, Q.House Lumpini Building, 1 South Sathorn Road, Tungmahamek, Sathorn, Bangkok 10120, Thailand SBCS Co., Limited 10th Floor, Q.House Lumpini Building, 1 South Sathorn Road, Tungmahamek, Sathorn, Bangkok 10120, Thailand SMBC 20th Floor, Rufino Pacific Tower, 6784 Ayala Avenue, Makati City, Metro Manila, The Philippines Level 35, The Chifley Tower, 2 Chifley Square, Sydney, NSW 2000, Australia Summitmas II, 10th Floor, JI. Jendral Sudirman Kav , Jakarta 12190, Indonesia SMBC B-14/A, Qutab Institutional Area, Katwaria Sarai, New Delhi , India SMBC SMBC SMBC 277 Park Avenue, New York, NY 10172, U.S.A. 601 South Figueroa Street, Suite 1800, Los Angeles, CA 90017, U.S.A. 555 California Street, Suite 3350, San Francisco, CA 94104, U.S.A. Two Allen Center, 1200 Smith Street, Suite 1140, Houston, Texas 77002, U.S.A. Torre Altiva Boulevard Manuel Avila Camacho 138 Piso 2, Loc. B Lomas de Chapultepec, Mexico, D.F. P.O. Box 694, Edward Street, George Town, Grand Cayman, Cayman Islands 515 South Figueroa Street, Los Angeles, CA 90071, U.S.A. Ernst & Young Tower, Suite 1400, P.O. Box 172, Toronto Dominion Centre, Toronto, Ontario M5K 1H6, Canada Avenida Paulista, e 12 andar, Sao Paulo-SP-CEP , Brazil SMBC 99 Queen Victoria Street, London EC4V 4EH, U.K. 20, Rue de la Ville l Evêque, Paris, France Via della Spiga 30/ Via Senato 25, Milan, Italy Prinzenallee 7, Düsseldorf, Federal Republic of Germany Avenue des Arts, 58, Bte. 18, 1000 Brussels, Belgium Strawinskylaan 1733 Toren D-12, 1077XX Amsterdam, The Netherlands Villanueva, B, Madrid, Spain International Business Centre, Pobrezni 3, Prague 8, Czech Republic Presnenskaya naberezhnaya, house 10, block C, Moscow, Russian Federation La Touche House, I.F.S.C., Custom House Docks, Dublin 1, Ireland Building One, 5th Floor, Gate Precinct, Dubai International Financial Centre, PO Box Dubai, United Arab Emirates Office 1901, 19th Floor, Qatar Financial Centre Tower, Diplomatic Area-West bay, Doha, Qatar, P.O. Box No. 406 & 407 (Entrance 3, 4th Floor) Manama Centre, Government Road, Manama, State of Bahrain 4th Floor, 80 Nezami Gangavi Street, Vali-e-Asr Avenue, Tehran 14348, Islamic Republic of Iran Flat No. 6 of the 14th Fl., 3 Ibn Kasir Street, Cornish El Nile, Giza, Arab Republic of Egypt Building Four, First Floor, Commerce Square, 39 Rivonia Road, Sandhurst, Sandton 2196, South Africa S M BC 89

92 M BC SMBC S SMBC GLOBAL NETWORK Asia and Oceania SMBC Vietnam Export Import Commercial Joint Stock Bank SBCS Co., Limited SMBC SMBC 90

93 * 1 SMBC SMBC SMBC S M BC * 2 SMBC SBCS Co., Limited SMBC Vietnam Export Import Commercial Joint Stock Bank The Americas Europe, Middle East and Africa SMBC SMBC SMBC SMBC 91

94 92

95

96 ,241,694 5,839, ,655 1,121, ,487 25,226 1,820,228 5,440,622 1,024,050 1,006, ,924,961 6,708,688 2, 8 8,985 18,734 28,698,164 28,623,968 1, 2, 8, 15 65,135,319 62,701,033 3, 4, 5, 6, 7, 8, 9 885,082 1,107, ,968,347 1,839, ,257,251 3,610, ,008,801 1,081,125 8, 10, 11, , , , ,075 7,206 8,159 3,527 8, , , , , , , , , ,087 46, , ,586 3,878,504 3,749,056 1,077,852 1,068, ,637, ,159,513

97 ,569,497 78,648, ,461,284 6,995,619 2,499,113 2,119, ,993 1,120, ,589,283 4,315, ,787 3,597,658 5,066, ,644,699 5,470,578 8, , ,299 1,019,342 1,212,178 3,683,483 3,422, , ,554 3,803,046 3,193, ,659 43, ,333 35,643 41,691 7,965 8,216 11,767 11, ,287 26,520 47,217 46, ,878,504 3,749, ,025, ,158,708 1,420,877 2,337,895 57, ,897 1,245,085 1,451, , ,061 2,599,183 4,644,677 14, ,708 20,835 39,367 35,159 34, , , , , ,141,908 2,049,400 4,611,764 7,000, ,637, ,159,

98 ,552,843 3,166,465 2,087,348 1,695,805 1,550,081 1,280, , ,216 14,686 7,657 1, ,506 5,413 42,738 14,757 77,772 74,542 96,195 71,018 2,122 1, , , , , , ,012 46,446 54, , , , ,117 49,281 92, ,507,532 2,607, , , , ,979 47,911 34,042 22,524 6,271 7,298 1,390 59,962 6, ,750 37,708 6,678 2,902 82,577 70, ,743 9, , , , ,773 26,473 30, , , , ,789 1,063,419 1,161, ,106, , , , , , , ,769 3,692 18,222 1,297 17,179 1, ,507 18,894 12,144 6,003 7,363 12, , ,097 72, , ,405 74, , ,870 68, , , ,559

99 ,420,877 1,420, , ,018 1,420,877 2,337,895 57,826 57, , , ,652 57, ,897 1,740,610 1,245,085 3, ,833 71, , , , , ,859 1,245,085 1,451, , , , ,061 3,095,324 2,599,183 3,132 1,845, ,833 71, , , ,333 6, ,008 2,045,493 2,599,183 4,644,677 97

100 ,648 14, , , , ,358 14, ,708 75,233 20,835 54,397 18,531 54,397 18,531 20,835 39,367 34,910 35, ,159 34,955 27, , ,744 27, ,744 27, , , , , , , , , , , ,645,705 2,141, ,202 92, ,202 92,508 2,141,908 2,049,400

101 ,224,076 4,611,764 3,132 1,845, ,833 71, , , ,333 6, , , ,180 2,389,041 4,611,764 7,000,805 99

102 , , , ,860 7,363 12,856 8,388 18,634 94,876 21, ,190 1, , , , ,087,348 1,695, , , ,831 19, ,195 83,038 10,847 11, , ,770 1,028,101 1,195,098 3,439,852 3,591,071 3,031,427 1,918,359 4,384, , , , , , , , ,941 3,226,847 1,186, ,642 ( 310,787 1,857,241 3,409,463 2, ,622 19,280 89,277 46, , , , , ,844 19,878 98,635 2,132,561 1,760, , , , ,815 7,475,320 1,772, , ,864 7,368,053 1,880,

103 ,213,459 46,300,009 34,674,690 32,626,376 12,176,246 14,263,916 2,135 9, , ,154 12,081 37,114 74,489 82, , , , , ,264 6,639, ,661 5,000 8,000 92,500 78, , , , ,981 1,824, ,758 71,063 1,046, , , ,987 90,162 98, ,652 1,451,099 17, ,064, ,786 2,736,752 3,800, , ,800,890 3,371,

104 Sumitomo Mitsui Banking Corporation Europe Limited Manufacturers Bank SMBC SMBC SMBC Capital Markets, Inc SBCS Co., Ltd SBCS Co., Ltd SMBC P.T. Nikko Securities Indonesia 15 AJCC Daiwa SB Investments (USA) Ltd ,261,647 2,261, ,630,152 17, ,385 2, ,

105 DCF 843,

106 ,4702, SMBC ,710 41,91439,315 27,056 34,999 19, ,928 3, , ,928 15, ,766 8,931 37, ,883 1, ,804 2, , ,80420, , ,000 36, , , ,

107 ,485 5,412 94,369 41,826 3,840, , ,131 1,075, , , ,529, , ,035 1,870 2,337,389 4,649,170 1,631,290 15,478 16,165 3,087 24, ,100 1,120,860 3,664, ,974 1,468,005 14, ,733 25, ,283 14,233,5421,171, ,085 8,457 83, ,957, ,373, , , , ,232, ,136,

108 , ,672 34,814 32,495 76,43921, , , , ,080, ,975,148 1,414,055, ,175 4, ,175 4, ,175 4, ,175 4, ,175 4, ,175 4, ,175 4, ,175 4, ,001 70, ,183, ,975,148 33,400 1,414,125, ,028,466 54,672 13,038 17,070, ,175 4, ,175 4, ,175 4, ,175 4, ,175 4, ,175 4, ,175 4, ,175 4,175 17,028,466 88,072 46,438 17,070, ,975, ,700, ,931, ,343, , , ,672 13,038 12, , , , , , , , , , ,097 44, , , , , , , , , , ,097 44,

109 1 77, ,097 44, ,839,672 2,468,478 3,371, ,953, ,535 1,552, , , , , , , ,113, ,445 89,968 1,078,769 1,033, , , , , , , ,343, , ,640 1,213, , , , , , , , , ,981 79, , , ,728 1,343, , ,153 69,742 86, , , ,

110 ALM 2 ALM ALM CPM

111 109 ALM ALM VaR VaR BPV

112 ,838,781 5,839,844 1, ,119,705 1,121,304 1,598 25,226 25,226 5,440,622 5,440, ,290 1,010,523 13,233 3,058,033 3,058,033 18,734 18,734 3,272,012 3,330,623 58,610 24,383,712 24,383,712 62,701, ,234 61,899,799 62,891, , ,101,719 1,105,607 3, ,824,961 1,933, , ,980, ,159,045 1,178,449 78,648,595 78,674,772 26,176 6,995,619 6,995, ,119,557 2,119, ,120,860 1,120,860 4,315,774 4,315, , ,787 1,582,808 1,582,808 5,470,578 5,489,347 18, , ,299 1,212,178 1,212,178 3,422,672 3,514,970 92, , , ,551, ,688, , , , , , , ,

113 , , , , , ,728,741 2,685 1,120, ,226 5,440, ,799 93,698 62, , ,638,321 11,344,537 3,138, ,074 69,571 2,713, ,955 65,000 2,410, ,000 1, ,592 38,972 2, ,087 50,283 2,000 4,700 9,568,749 8,630,856 2,654, ,074 8,226,690 3,456,218 1,712, ,500 25, ,764 20, ,629 2,130, ,670 60, ,706 2,827, , , ,552,411 22,297,810 7,923,621 10,884, ,101,482 2, ,311 1,000, ,874 40, ,822,506 34,742,718 11,238,970 11,832, ,196 16,9891,213,6273,28610, ,829,836 4

114 ,936,151 4,093, , ,172 6,959,781 35,838 2,119,557 1,120,860 4,315, ,787 4,156, , , , ,299 1,212, ,002 1,181,035 1,471, , ,554 94,845,775 6,303,896 2,008, , A 938,161 B 891,366 CAB 46,794 D 226,268 E 15,234 F CD E 164,240 G 205,931 F G 41, ,052 22,459 23,883 60,456 11,167 4,229 73, , , , ,649

115 , , , , , , , , , , , , , , , , , ,000 8,000 20,000 6,000 4, , , , , , , , , , , , , , , , , , , ,

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