Sumitomo Mitsui Financial : Overview of 1Q FY3/2020

Overview of 1Q FY3/2020

July 30, 2019

Copyright © 2019 Sumitomo Mitsui Financial Group. All Rights Reserved.

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; incurrence of significant credit-related costs; our ability to successfully implement our business strategy through our subsidiaries, affiliates and alliance partners; and exposure to new risks as we expand the scope of our business. 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.

Definitions

SMFG	Sumitomo Mitsui Financial Group, Inc.
SMBC	Sumitomo Mitsui Banking Corporation
SMBC Trust	SMBC Trust Bank
SMFL	Sumitomo Mitsui Finance and Leasing
SMBC Nikko	SMBC Nikko Securities
SMCC	Sumitomo Mitsui Card Company + Cedyna
SMBCCF	SMBC Consumer Finance
SMDAM	Sumitomo Mitsui DS Asset Management
SMBC AC	SMBC Aviation Capital
Consolidated	SMFG consolidated
Non-consolidated	SMBC non-consolidated
Expenses	Excludes non-recurring losses
(non-consolidated)

Net business profit	Before provision for general reserve for
possible loan losses

Retail Business Unit	Domestic retail and SME businesses
SMBC, SMBC Trust, SMBC Nikko, SMCC, SMBCCF
Wholesale Business Unit	Domestic large/mid-size corporation business
SMBC, SMBC Trust, SMFL, SMBC Nikko
International Business Unit	International business
SMBC, SMBC Trust, SMFL, SMBC Nikko
Global Markets Business Unit	Market / Treasury related businesses
SMBC, SMBC Nikko
Large corporations	Global Corporate Banking Division
Mid-sized corporations & SMEs	Corporate Banking Division and SMEs covered
by Retail Banking Unit

Exchange rates (TTM)
Jun.18	Mar.19	Jun.19
	USD	JPY 110.45	JPY 111.00	JPY107.75
	EUR	JPY 127.78	JPY 124.55	JPY122.48

Copyright © 2019 Sumitomo Mitsui Financial Group. All Rights Reserved.	2

1. Income statement

• Profit attributable to owners of parent reached 31% of thefull-year target mainly due to
  lower than expected credit costs as well as recording gains on sales of strategic shareholdings

				1Q	YoY	FY3/20
	(JPY bn) FY3/20	target
1	Consolidated gross profit		682.0	(37.1)
2	G&A expenses			432.6	+3.9
Overhead ratio			63.4%	+3.8%
3	Equity in gains (losses)			19.8	(4.2)
	of affiliates	Progress
4	Consolidated	23%	269.2	(45.2)	1,180
	net business profit
5	Total credit cost				37.6	+29.3	200
6
Gains (losses) on stocks			30.9	+1.9
7
Ordinary profit			261.4	(70.5)	1,000
8	Extraordinary gains				20.9	+22.2
	(losses)
9	Income taxes				60.7	(22.2)
10	Profit attributable to	31%	215.7	(11.4)	700
	owners of parent
11
ROE				9.6%	(0.9)%

• Consolidated gross profit:decreased YoY mainly due to the sluggish market conditions that led to the weak performance in the wealth management business and reduction in wholesale non-interest income, while the Global market business unit showed strong performance recording gains on sales of bonds with the decline of the U.S. interest rates.
• G&A expenses:increased YoY mainly due to the increase of revenue- linked variable cost in the credit card business and retirement benefit costs.
• Total credit cost:increased YoY mainly due to the absence of reversals from large borrowers recorded last year, but was lower than expected.
• Gains on stocks:recorded gains on sales of strategic shareholdings (JPY 25 bn, YoY JPY (1) bn).
• Extraordinary gains (losses):recorded gains on step acquisitions on the merger of Sumitomo Mitsui Asset Management and Daiwa SB Investments (JPY 22 bn).

Impact of group	Consolidated	(22)		Consolidated	(22)
reorganization*1	gross profit		net business profit
G&A expenses	(6)		Profit attributable to	+12
( JPY bn）
	ow ners of parent
	Equity in gains (losses)	(6)
	of affiliates

*1 YoY impact from the deconsolidation of the regional banks and SMFL, the consolidation of BTPN, SMCC becoming awholly-ownedsubsidiary,

and the merger of Sumitomo Mitsui Asset Management and Daiwa SB Investments		3
	Copyright © 2019 Sumitomo Mitsui Financial Group. All Rights Reserved.

(Ref.) Group companies

SMBC

				1Q	YoY	FY3/20
			（JPY bn）FY3/20	target
1	Gross banking profit	356.5	+11.5
2
	o/w Net interest income	202.3	(32.8)
3
	o/w Net fees and commissions	77.5	+0.5
4		o/w Net trading income+	76.3	+43.9
		Net other operating income
5			o/w Gains (lossses) on bonds	52.2	+51.3
6
Expenses	203.0	(2.2)

Other major group companies

(left : results of 1Q FY3/20 / right : YoY)
(JPY bn)	SMCC			SMBC Nikko*1		SMBCCF
Gross profit	103.5	+7.4	71.5	(15.4)	68.2	+1.8
Expenses	79.3	+4.7	64.9	(5.3)	28.0	+0.9
Net business	24.3	+2.8	6.7	(10.2)	40.2	+0.9
profit
Net income	12.3	+2.1	4.0	(9.5)	20.7	+7.1

7	Banking profit	153.5	+13.7	610
8
Total credit cost	6.1	+29.2	70
9
Gains (losses) on stocks	30.9	+2.2
10
Ordinary profit	171.7	(20.4)	550
11
Net income	127.0	(9.3)	390

SMBC Trust

Gross profit	10.9	(1.4)
Expenses	12.3	(1.0)
Net business	(1.4)	(0.4)
profit
Net income	(0.8)	(0.3)

	*2				*3
SMDAM	50%	SMFL	50%
9.0	+2.5			43.7	(3.4)
8.2	+3.8			21.2	(0.9)
0.9	(1.3)			23.8	(1.6)
0.4	(1.1)			16.1	+1.5

*1 Excludes profit from overseas equity-method affiliates of SMBC Nikko (consolidated subsidiaries of SMFG) *2 YoY excludes figures of Daiwa SB Investments in FY3/19

*3 Managerial accounting basis		4
	Copyright © 2019 Sumitomo Mitsui Financial Group. All Rights Reserved.

Announced in May 2019

2. FY3/2020 target

Consolidated

	Results
（JPY bn）	FY3/19
Consolidated	1,192.3
net business profit
Total credit cost	110.3
Ordinary profit	1,135.3
Profit attributable to

owners of parent	726.7

Target

FY3/20 1H

1,180 540

200 100

1,000 460

700 340

• Consolidated net business profitis expected to increase excluding the impact of group reorganization (YoY JPY 60bn).
• Total credit cost (consolidated)is expected to increase due to smaller reversals at SMBC.
• Profit attributable to owners of parentsis expected to decrease due to the increase of total credit cost.

Non-consolidated

Banking profit	584.1
Total credit cost	(2.2)
Ordinary profit	649.6
Net income	477.4

610 275

7035

1. 250

1. 190

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3. Consolidated gross profit

				1Q FY3/20				YoY*1
		（JPY bn）	Consolidated	Non-consolidated	Variance		Consolidated	Non-consolidated	Variance
Consolidated gross profit		682.0	356.5	325.6	(37.1)	+11.5	(48.7)
	Net interest income		302.7	202.3	100.4	(30.9)	(32.8)	+1.9
	Trust fees		1.0	0.5	0.5	(0.1)	+0.0	(0.1)
	Net fees and commissions		254.7	77.5	177.2	+0.8	+0.5	+0.3

Net trading income＋	123.6	76.3	47.3	(6.9)	+43.9	(50.7)
Net other operating income
Net interest income		Net fees and commissions
					（JPY bn）
333.6					■	Others
	302.7
43.5		254.0		254.7	■	SMBCCF
8.6	45.5	18.3		18.1	■	SMCC
	8.1
				■	SMBC Nikko
		79.6		87.5
235.1	202.3	49.9		45.2	■	SMBC
		77.0		77.5
1Q FY3/19	1Q FY3/20	1Q FY3/19		1Q FY3/20

*1 Includes impact coming from group reorganization

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4. Loans*1

Loan balance

(JPY tn)

75.6	73.9	76.4	74.9	76.0
21.1	20.7	22.4	22.0	22.8
54.5	53.2	54.0	52.9	53.2
Mar.17	Mar.18	Mar.19	Jun.18	Jun.19

Of which loans to the Japanese government, etc. and SMFG

		3.5 tn	2.8 tn	2.7 tn	2.8 tn	2.6 tn
	Breakdown of change from Mar.19 to Jun.19
			Domestic offices	excl. Japan offshore banking accounts	(0.7)
			excl. loans to the	Japanese government, etc. and SMFG	(0.6)
			Overseas offices	and Japan offshore banking accounts	+0.3
			after adjustment	for changes in exchange rate		+1.0
			Total					(0.4)

Domestic loan-to-deposit spread

		FY3/20			FY3/19
	（％）	1Q	YoY		1Q	2Q	3Q	4Q
	Interest earned on loans	0.92	(0.03)		0.95	0.95	0.93	0.93
	and bills discounted
	Interest paid on deposits,	0.00	(0.00)		0.00	0.00	0.00	0.00
	etc.
Loan-to-deposit spread	0.92	(0.03)		0.95	0.95	0.93	0.93
(Ref.) Excludes loans to the Japanese government, etc.
	Interest earned on loans	0.94	(0.05)	0.99	0.98	0.97	0.96
	and bills discounted
Loan-to-deposit spread	0.94	(0.05)		0.99	0.98	0.97	0.96

Average loan balance and spread*2

			Balance (JPY tn)	Spread (%)
			1Q	YoY*4	1Q	YoY
			FY3/20	FY3/20
Domestic loans	52.3	+0.7	0.73	(0.03)
		Excluding loans to the Japanese	49.6	+0.8	0.76	(0.03)
		government, etc.
	o/w Large corporations	15.7	+1.0	0.52	+0.01
	Mid-sized corporations & SMEs	17.6	+0.1	0.62	(0.04)
	Individuals	13.1	(0.5)	1.40	(0.04)
IBU's interest earning assets*3	298.3	+14.4	1.12	+0.01
USD bn	USD bn

*1	Non-consolidated *2 Managerial accounting basis *3 Sum of SMBC, SMBC Europe, SMBC Bank EU, SMBC (China) and SMBC Trust, etc. Sum of loans, trade bills, and securities
*4	After adjustments for exchange rates, etc.	7
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5. Domestic loans and deposits*1

	Domestic loan balance*2		Domestic deposit balance
	(JPY tn)		Large corporations Mid-sized corporations and SMEs Individuals	(JPY tn)		Corporates Individuals

54.5	53.2	54.0	52.9	53.2
14.0	13.6	13.1	13.5	13.0
17.6	18.1	18.2	17.6	17.6
15.6	14.8	16.0	15.1	15.8
Mar.17	Mar.18	Mar.19	Jun.18	Jun.19

87.7	92.9	97.3	94.3	96.7
43.6	45.3	47.1	46.3	47.9
44.1	47.6	50.2	48.0	48.8
Mar.17	Mar.18	Mar.19	Jun.18	Jun.19

Domestic corporate loan balance*2,3

Domestic corporate loan spread*2,4

	Mid-sized corpoations and SMEs				Mid-sized corporations and SMEs
(JPY tn)	Large corporations
				Large corporations
			1.4%
16					1.2%
					1.0%
14					0.8%
					0.6%
12					0.4%
1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q	Apr.15	Sep.15	Mar.16 Sep.16 Mar.17	Sep.17	Mar.18	Sep.18	Mar.19 Jun.19
FY3/16	FY3/17	FY3/18	FY3/19	FY3/20

*1	Non-consolidated *2 Managerial accounting basis *3 Quarterly average, excludes loans to the Japanese government . Figures for SMEs are the outstanding balance of CBD
*4	Monthly average loan spread of existing loans, excludes loans to the Japanese government	8
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6. Overseas loans and deposits*1

Overseas loan balance		Foreign currency funding

(USD bn)		Americas	EMEA	Asia

(USD bn)	Loans, etc.
400

211	224	235
75	78	80
53	60	62
84	86	93
Mar.17	Mar.18	Mar.19

YoY, excluding FX impact

233	242	[+9]
82	85	[+2]
61	64	[+4]
90	93	[+3]
Jun.18	Jun.19

		Yen
300		Swaps	Medium-to
			long-term
		Bonds,	funding
		etc.
200

Overseas loan spread*2

1.4%
1.2%
1.0%
0.8%
0.6%
0.4%
Mar.15	Mar.16	Mar.17	Mar.18	Mar.19 Jun.19

100														Deposits
0
	Mar.17 Mar.18 Mar.19				Jun.18 Jun.19

Foreign currency bonds outstanding (SMFG/SMBC)

Senior	54.2	56.0	55.6	59.2
Sub-	4.2	4.1	4.1	4.1
ordinated

*1 Managerial accounting basis. Sum of SMBC, SMBC Europe, SMBC Bank EU and SMBC (China) *2 Monthly average loan spread of existing loans

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7. Asset quality

Credit costs*1

(JPY bn)						Consolidated				Non-consolidated

200.0

	110.3	23bp
94.2
11bp	12bp	70.0
		8bp	37.6
		8.4	6.1

	(3)bp	(0)bp
(26.7)		(23.2)
(2.2)
	FY3/18	FY3/19	FY3/20		1Q	1Q
			target	FY3/19	FY3/20
Major Group Companies					（JPY bn）
			1Q FY3/20	YoY
SMBCCF			17			(6)
SMCC			7			(0)

Non-performing loan balance and ratio*2

(JPY bn)						Consolidated				Non-consolidated

Coverage ratio
	Mar.18	Mar.19
Consolidated	75.23%	74.73%
Non-consolidated	89.11%	87.86%
1.00%	0.78%	0.76%	0.79%
0.65%	0.51%	0.54%	0.56%

927.7		695.2	722.3
567.7	672.3
436.3	476.5	500.0
Mar.17	Mar.18	Mar.19	Jun.19

Total claims			（JPY tn）
Consolidated	86	91	92
Non-consolidated	86	89	89
Claims on borrowers requiring caution
(excludes claims to Substandard borrowers)
Non-consolidated	1.3	0.8	0.8

*1	Total credit cost ratio = Total credit cost / Total claims
*2	NPL ratio = NPLs based on the Financial Reconstruction Act (excludes normal assets) / Total claims	10
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8. Securities

Bond portfolio

					Mar.19		Jun.19
					Balance	Net		Balance	Net
					unrealized		unrealized
					sheet		sheet
					gains		gains
					amount		amount
				（JPY tn）	(losses)		(losses)
		Yen-dominated	9.3	0.06	9.3	0.07
		bonds
Consolidated			o/w JGB	6.5	0.02		6.5	0.03
			Others	6.2	0.02	6.2	0.03
				Held-to-maturity	0.3	0.00	0.3	0.00
		Foreign bonds	9.0	(0.03)	8.9	0.03
		Yen-denominated	9.0	0.06	9.0	0.07
		bonds(duration*1）	(3.2 yrs)		(2.8 yrs)
consolidated-			o/w JGB	6.3	0.02		6.2	0.03
				Held-to-maturity	0.0	0.00	0.0	0.00
Non
			Others	6.2	0.02	6.2	0.03
		Foreign bonds	7.1	(0.03)	7.0	0.02
		(duration*1）	(5.3 yrs)		(4.9 yrs)

Strategic shareholdings

	(JPY bn)	results
Total reduction	387
	- FY3/17	115
	FY3/18	115
	FY3/19	130
	1Q FY3/20	27
Consent of sales from clients outstanding	85

Unrealized gains (losses) on other securities*2

（JPY bn)		Stocks		Bonds	Others

[vs Mar.19]

2,188.7	2,408.2	2,321.3	2,244.0	(77.3)
1,907.5									+87.6
									+6.2
									(171.1)

Mar.16 Mar.17 Mar.18 Mar.19 Jun.19

*1	Excludes bonds classified as held-to-maturity, bonds for which hedge-accounting is applied, and private placement bonds. Duration of 15-year floating rate JGBs is regarded as zero.
*2	Consolidated	11
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9. Balance sheet

Consolidated

			(JPY tn)	Jun.19	vs Mar.19
Total assets	204.6	+0.9
	o/w Cash and due from banks	58.0	+0.6
		o/w BOJ's current account balance*1	47.1	(0.1)
	o/w Loans	78.0	(0.0)
		o/w Domestic loans*1	53.2	(0.7)
			o/w Large corporations*2	15.8	(0.2)
			うちMid-sized corporations & SMEs*2	17.6	(0.4)
					*3

Composition of loans and deposits*1,2

			3%
19%			3%
	11%
Domestic	46%	18%	Domestic
17%loans		deposits

65%

4%

14%

			うちIndividuals*2	13.0	(0.1)
	o/w Securities	24.1	(0.3)
		o/w Other securities	23.6	(0.2)
			o/w Stocks	3.3	(0.2)

Spread-based (repriced within 1 year)

Spread-based (more than 1 year)

Prime-rate-based

Prime-rate-based (consumer) Others

Ordinary deposits

Time deposits

Current deposits

Foreign currency deposits Others (Sundry deposits, etc.)

うちJGBs

6.2

+0.0

(Loans denominated in foreign currencies, overdraft, etc.)

			うちForeign bonds	8.9	(0.1)
Total liabilities	193.4	+1.1
	o/w Deposits	121.4	(0.9)
		o/w Domestic deposits*1	96.7	(0.6)
			Individuals	47.9	+0.8
			Corporates	48.8	(1.4)
	o/w NCD	10.9	(0.2)
Total net assets	11.2	(0.2)

(Ref) Non-JPY B/S*2,4

Interest earning assets

320

Others 105

Foreign bonds, NCD 53

(USD bn)

Deposits (incl. deposits

from central banks)

227

Mid-tolong-term funding (incl. corporate bonds, currency swaps, etc.)

112

CD/CP 71

Interbank (incl. Repo) 66

Loan to deposit ratio	58.9%

Assets / Liabilities 477

*1 Non-consolidated *2 Managerial accounting basis *3 After adding back the portion of housing loans securitized. No origination in 1Q, FY3/20
*4 Sum of SMBC, SMBCE, SMBC Bank EU and SMBC (China)	12
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10. Results by Business Unit

		FY3/19	1Q	YoY*1	Consolidated net business profit
	(JPY bn)		FY3/20		(JPY bn)
Retail						Global
Gross profit	1,281.6	302.6	(12.6)			Others
		markets
	Expenses	1,021.4	252.7	(5.3)	314.3
	(7.3)Wholesale	+28.0	(56.6)
					Retail	(3.5)	(5.7)
	Overhead ratio	79.7%	83.5%	+1.7%
		International
	Net business profit	274.6	50.3	(7.3)				(22.0)	269.2

Wholesale	Gross profit	784.9	144.3	(5.8)
		Expenses	345.1	69.0	(2.2)
		Overhead ratio	44.0%	47.8%	+0.4%
	Net business profit	484.9	85.8	(3.5)
International	Gross profit	689.6	159.8	(0.3)
		Expenses	333.4	90.7	+6.7
		Overhead ratio	48.3%	56.8%	+4.3%
	Net business profit	395.1	84.6	(5.7)
Global Markets Gross profit	333.6	135.0	+29.5
		Expenses	54.2	14.3	+1.1
		Overhead ratio	16.2%	10.6%	(1.9)%
	Net business profit	298.5	127.6	+28.0

of which

impact of group reorganization

1Q	1Q
FY3/19	FY3/20

*1 After adjustments for interest rate and exchange rate impacts

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11. SMBC Nikko

Financial results

	FY3/19	1Q	YoY
（JPY bn）	FY3/20
Net operating	319.2	70.6	(15.8)
revenue
SG&A expenses	276.5	65.3	(4.9)
Ordinary income	48.4	6.4	(11.6)
Net income	33.3	5.0	(9.9)

League tables (Apr-Jun.2019)*1

			Rank	Mkt share
	Global equity & equity-related		#6	10.7%
Nikko	(book runner, underwriting amount)*2
JPY denominated bonds		#3	18.7%
(lead manager, underwriting amount)*3
SMBC	Japanese corporate bonds		#2	21.1%
	(lead manager, underwriting amount)
	IPO (lead manager, No. of deals)*4		#5	5.6%
SMBC Group	Financial advisor (M&A, No. of deals)*5		#1	4.0%
	Financial advisor (M&A, transaction volume)	*5	#5	11.2%

Net operating revenue

純営業収Equity益brokerage commissions

(JPY bn)		Subscription commissions on investment trust,
100		fund w rap fee and agency commissions

Underw riting commissions Net trading income Others

Product sales

			Investment trusts	Fund wrap
(JPY tn)		Foreign bonds	Domestic bonds
	Subscription of equities	Variable annuities/insurances
4

80

60

40

20

0

1Q

FY3/19

2Q

3Q

4Q

1Q

FY3/20

3
2
1
0
1Q	2Q
FY3/19

3Q	4Q	1Q
		FY3/20

*1	Source: SMBC Nikko, based on data from REFINITIV *2Japanese corporate related only Includes overseas offices
*3	Consisting of corporate bonds, FILP agency bonds, municipality bonds for proportional shares as lead manager, and samurai bonds	14
*4	Excludes REIT IPO. Includes overseas offices	*5Japanese corporate related only	Copyright © 2019 Sumitomo Mitsui Financial Group. All Rights Reserved.

12. SMBCCF

Financial results

（JPY bn）	FY3/19 1Q FY3/20	YoY

Consumer loans outstanding

(JPY bn)		Promise	Mobit	Promise (overseas)

Operating income	281.8	71.6	+1.9
Operating expenses	236.0	48.8	(4.5)
	Expenses for	57.5	19.9	(1.0)
	loan losses
Ordinary profit	46.3	22.9	+6.5
Net income	45.1	20.7	+7.1
NPLs	71.3	74.2
（NPL ratio）	6.16%	6.35%
Allowance on interest	112.1	104.2
repayments (provision)	3.4 yrs	3.3 yrs

10,724	11,145	11,571
	1,090
919	1,008
	2,695
2,312	2,520
7,493	7,617	7,786
Mar.17	Mar.18	Mar.19

Loan guarantee amount

11,256	11,694
1,018	1,085
2,571	2,758
7,667	7,851
Jun.18	Jun.19

No. of interest refund claims

(Thousand)

20
15
10
5
0
1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q
FY3/16	FY3/17	FY3/18	FY3/19	FY3/20

(JPY bn)		SMBC	Regional banks, etc.

12,117	12,588	12,357	12,511	12,251
5,618	6,162	6,179	6,165	6,145
6,499	6,426	6,178	6,346	6,106
Mar.17	Mar.18	Mar.19	Jun.18	Jun.19

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