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  • 244125331

    www.smfg.co.jp

  • 1

    ................................................... 2

    ......................................... 6 ...................................... 6 ...................................... 8 .......... 12 .................................................... 13 ........................................................... 14 ................................................. 16 ........................................................... 16

    ................................................ 18

    ....................................................... 21

    ................................................... 25

    ......................................... 33

    ......................................... 48

    CS ..................................... 50

    ......................................... 51

    .......................................................... 52

    ............................................ 53

    ................................................................. 55

    .......................................................... 59

    ................................................ 63

    ................................................................. 69

    ................................................................. 71

    ................................................................. 95

    .......................................................... 326

    215229Form 20-F

    25 7 100-0005 1-1-2 TEL033282-8111

    100-0005 1-1-2 TEL033282-1111

  • 2

    24242,7557,941ROE14.8125

    24

    232532

  • 3

    PFISMBC&M&ASMBC SMBC RBSSMBC Aviation Capital

    241,38217372,7557,941ROE14.81

    Tier1*1 23325

    325

    *2 6% 8.6% 8%

    22

    24

    25

    RORA*3 0.8% 1.3% 0.8%

    *3 52.5% 52.4% 50%

    *3 45.6% 47.3% 40%

    *4 23.3% 30.2% 30%

    *1 SMFG*2 313*3 SMFGSMBC*4 185

  • 4

    2525

    SMBC

    SMBCM&A

  • 5

    257

    Tier1

    2325

    235

    263Tier183137512538.6

    G-SIFIs2024Tier111010

    101202513005,80020%2411055

  • 6

    SMFG

    24

    24479

    SMBC24

    ATM24

    252

    SMBC

    8SMBC

    *1253

  • 7

    4,100252*1 SMBC2471

    SMBC248SMBCeSMBCPDF2410SMBC

    ATMSMBCSMBC*2253*2 1

    SMBCSMBC2410

    SMBC&11SMBCSMBC255

    2523

    Topics

  • 8

    SMBCSMBC244NECM2MMDM2411

    IPOSMBCIPO227

    102 IPO253600252 5IPOSMBC2412UTECSMBC

    18SMBC-ECOSMBCSMBCeco upSMBCSMBCSMBC25ESGESGSMBC

  • 9

    253

    SMBC

  • 10

    12121SMBC 2

    24SMFG

    234

    CSR

  • 11

    SMFG24884215

    244

    20

    226

    Topics

    25

  • 12

    226SMBC3SMBCSMBCFPASMBC

    PA

    PA

    PA

    SMFGSMBCSMBC

    PA

    0.66%257

    24SMBCThe AssetInvestment AwardBest Private Bank Japan

    254PA

    Topics

    Topics

  • 13

    SMFGSMBCM&A

    SMBCSMBCSMFG24

    411.9M&A417.8252

    SMBCM&ASMBC244,300+14%SMFG

    2527SMBC25

    LondonLuxembourg

    Sydney

    ShanghaiHong Kong

    Singapore

    SMBC Moelis

    Jakarta

    New York

    SMBC

    SMBCSMBC

    SMBC

    SMBC

    SMBC

    SMBC

    2541

  • 14

    SMFG3

    Project Finance InternationalGlobal Bank of the Year 20121ASIAMONEY71

    256Kotak MahindraBrookfield Asset Management Inc.4

    24Global Bank of the Year 2012202 Global Bank of the Year Project Finance International

    Topics

  • 15

    H24.5 H24.8 H24.8

    H25.3 H25.4 H25.5 H25.5

    2458252

    24

    12SMBCM&A

    254

    SMFG

    Topics 2558

    PT Bank Tabungan Pensiunan Nasional Tbk404

    Financial Holding Company2557Financial Holding CompanyFHCFHC

  • 16

    4SMFGSMFG

    SMFG

    i-Deal

    ALMALM

    Topics

    i-Deal

    ALM

    CDCP

    ALM

    ALM

    ALM

  • 17

    SMFGSMFG

    SMBCECSMFGSMFG-BPOBPOBusiness Process Outsourcing

    SWIFT Society for Worldwide Interbank Financial Telecommunication 21010,000

    SCF

    EC

    Topics

    254

    16413-1-11 22

    SMBC 471253-5-27 25628 422

    Web21Global e-TradeSMAR&TSEB

  • 18

    253

    Sumitomo Mitsui Financial Group, Inc.

    14122 1-1-2 23,378

    ADR

    www.smfg.co.jp

    1341412153

    866 1-1-2

    22,569 1,55450546151423871 3616128

    ATM

    25 6

    Moodys Aa3 P1Standard & Poors A+ A1Fitch Ratings A F1R&I AA a1+JCR AA J1+

    H22/3 H23/3 H24/3 H25/3 25,799 27,113 26,879 28,106 5,577 7,512 8,579 9,287 3,324 4,508 5,338 7,345 68,945 69,831 72,767 82,570 1,200,413 1,327,156 1,382,516 1,432,031

    www.smbc.co.jp

    1910246

    38243-9-4 3-10-19 1,495

    25 6

    R&I A+ a1JCR AA J1+

    H22/3 H23/3 H24/3 H25/3

    7,336 8,008 7,709 8,551 8,947 8,128 8,168 7,546 438 502 594 486

    www.smfl.co.jp

  • 19

    SMBCSMBC

    VISA

    4212261-2-20 4-5-15 2,353

    25 6

    R&I AA a1+JCR AA J1+

    H22/3 H23/3 H24/3 H25/3

    62,090 68,962 75,606 81,946 1,835 1,852 1,822 1,856 243 326 431 447 20,504 20,770 21,647 22,400

    www.smbc-card.com

    SMBC7790SMBC2110234SMBC

    SMBC 216153-3-12541 7,541

    25 6

    Moodys A1 P1Standard & Poors A+ A1R&I AA a1+JCR AA

    H22/3 H23/3 H24/3 H25/3

    *1 *2

    856 1,049 2,186 2,336 2,805 209 235 385 399 727*1 *2 H21/61069

    www.smbcnikko.co.jp

    SMBC

    SMBC 2332 7-1225624 1,929

    H22/3 H23/3 H24/3 H25/3

    674 532 475 596 227 102 83 180

    www.smbc-friend.co.jp

  • 20

    SMBC

    www.cedyna.co.jp

    2143

    259113-23-20 2-16-425628 2,776

    25 6

    JCR A+ J 1

    H22/3 H23/3 H24/3 H25/3

    2,239 2,032 1,762 1,640 408 8 276 134 24,933 22,513 21,091 19,480

    3IT

    14111 2-18-1 2-2-4 2,136

    H22/3 H23/3 H24/3 H25/3

    817 848 875 962 9 15 8 18

    www.jri.co.jp

    SMBC37

    SMBC

    37320 1-2-4 1,867

    25 6

    R&I A JCR A

    H22/3 H23/3 H24/3 H25/3

    2,127 1,875 1,722 1,646 117 541 1,666 423

    www.smbc-cf.com

  • 21

    20 21 22 23 24

    3,552,843 3,166,465 3,845,861 3,945,282 4,326,424 45,311 558,769 825,428 935,571 1,073,745 373,456 271,559 475,895 518,536 794,059 803,705 413,375 665,232 1,458,107 4,611,764 7,000,805 7,132,073 7,254,976 8,443,218 119,637,224 123,159,513 137,803,098 143,040,672 148,696,800 1,586,317 1,529,484 1,646,369 1,804,951 1,687,049 1,077,852 1,068,329 1,058,945 978,933 928,866 33,176 586,414 370,899 474,984 1,121,5981 2,790.27 3,391.75 3,533.47 3,856.37 4,686.691 1 497.39 248.40 336.85 374.26 586.49

    1 244.18 336.78 373.99 585.94

    11.47 15.02 16.63 16.93 14.71Tier 1 10.93Tier 1 9.38ROE 7.63 9.76 10.27 13.74PER 12.44 7.68 7.28 6.44 48,079 57,888 61,555 64,225 64,635

    1. 126

    2. 3. 212522630

    4. 2211

    4

  • 22

    20 21 22 23 24 134,772 133,379 222,217 181,372 179,560 117,051 118,818 206,865 166,272 165,441

    102,309 94,534 191,543 149,922 147,985 103,468 66,176 191,539 149,919 147,981 1,420,877 2,337,895 2,337,895 2,337,895 2,337,895 789,080,477 1,414,055,625 1,414,055,625 1,414,055,625 1,414,055,625 103,401 70,001 70,001 2,977,547 4,805,574 4,842,914 4,527,629 4,641,005 4,057,313 6,152,774 6,237,655 6,153,461 6,266,8641 3,389.38 3,256.32 3,282.75 3,317.44 3,290.231 90 100 100 100 1201 135,000 67,500 2 135,000 67,500 3 135,000 67,500 4 135,000 67,500 9 135,000 67,500 10 135,000 67,500 11 135,000 67,500 12 135,000 67,500 1 88,500 88,500 88,500

    1 118.43 53.82 131.42 107.06 104.931 131.42 107.04 104.89

    73.39 78.10 77.64 73.57 74.04ROE 3.52 1.59 4.02 3.27 3.23PER 28.79 57.41 19.68 25.43 35.98 75.96 213.41 76.09 92.55 114.36 167 183 192 215 231

    1. 2. 2211

    422113141

    3. 24112010

  • 23

    20 21 22 23 24

    2,989,608 2,579,933 2,711,380 2,687,911 2,810,681 59,285 557,781 751,208 857,919 928,713 317,306 332,497 450,832 533,816 734,514 835,851 363,689 632,889 1,373,623 4,518,647 6,894,564 6,983,132 7,276,706 8,257,091 115,849,385 120,041,369 132,715,674 138,251,602 143,203,127 1,561,824 1,498,271 1,529,587 1,659,306 1,493,807 1,011,845 1,007,160 943,077 867,653 806,702 59,758 523,444 305,968 390,602 1,072,9061 41,492.54 49,036.12 50,344.52 53,960.98 64,031.581 1 5,740.34 4,240.20 4,184.89 5,024.23 6,913.18

    1 4,236.01 4,184.07 5,023.33 6,908.19

    13.54 16.68 19.16 19.63 16.84Tier 1 12.69Tier 1 11.26ROE 8.64 8.42 9.63 11.72 37,345 47,837 48,219 50,768 47,852

    1. 1

    2. 3. 212522630

  • 24

    20 21 22 23 24

    2,546,997 2,080,536 2,108,724 2,018,585 2,121,369 2,074 1,736 2,299 1,736 1,823A 1,524,856 1,455,275 1,531,759 1,532,511 1,540,095B 701,479 685,752 699,197 719,495 727,736B/A100 46.0 47.1 45.6 46.9 47.3 747,647 778,589 844,897 856,796 812,358 823,377 769,522 832,562 813,015 812,358 36,055 462,749 595,704 695,342 670,852 301,116 317,995 421,180 477,973 617,791 2,546,493 5,397,949 5,559,293 5,709,663 6,554,446 107,478,218 103,536,394 115,484,907 119,037,469 125,910,020 69,499,997 70,457,266 74,036,469 75,804,088 80,006,438 60,241,266 56,619,058 55,237,613 56,411,492 59,770,763 28,000,515 28,536,200 39,853,432 42,441,134 41,347,000 1,137,058 1,068,017 1,090,605 1,143,053 1,062,290 1,194,170 1,100,685 1,126,269 1,182,847 1,093,465 791,885 758,178 711,522 689,215 616,593 42,701 521,377 305,621 388,982 1,040,66