President: Jun Ohta Quarterly Securities Report (Shihanki hokokusho) issuing date: August 12, 2022 Investors meeting presentation for quarterly financial results: Not scheduled - Form 6-K

President: Jun Ohta

Quarterly Securities Report (Shihanki hokokusho) issuing date: August 12, 2022

Investors meeting presentation for quarterly financial results: Not scheduled

Note: Amounts less than one million yen have been rounded down.

1. Consolidated financial results (for the three months ended June 30, 2022)

(1) Operating results

(Millions of yen, except per share data and percentages)

		Ordinary income			Ordinary profit			Profit attributable to owners of parent
Three months ended June 30, 2022			¥ 1,331,703				39.9	%		¥	349,674				21.7	%		¥	252,439				24.2	%
Three months ended June 30, 2021			951,725				(1.9	)			287,240				143.2				203,243				136.1
Notes:		1.		Comprehensive income:
		(a) for the three months ended June 30, 2022: ¥ 391,625 million [50.4%]
		(b) for the three months ended June 30, 2021: ¥ 260,319 million [(25.9)%]
	2.		Percentages shown in ordinary income, ordinary profit, profit attributable to owners of parent and comprehensive income are the increase (decrease) from the same period in the previous fiscal year.
		Earnings per share			Earnings per share (Diluted)
Three months ended June 30, 2022			¥ 184.14				¥ 184.08
Three months ended June 30, 2021			148.30				148.24
(2) Financial position
												(Millions of yen, except percentages)
		Total assets			Net assets			Net assets ratio
June 30, 2022			¥ 269,691,834				¥ 12,445,416				4.6%
March 31, 2022			257,704,625				12,197,331				4.7
Notes:		1.		Stockholders' equity:
		(a) as of June 30, 2022: ¥12,345,016 million (b) as of March 31, 2022: ¥12,098,215 million
	2.		Net assets ratio = {(Net assets - stock acquisition rights - non-controlling interests) / total assets} X 100

2. Dividends on common stock

(Yen)

		Cash dividends per share
		1st quarter			2nd quarter			3rd quarter			4th quarter			Annual
Fiscal year ended March 31, 2022			¥ -				¥ 105.00				¥ -				¥ 105.00				¥ 210.00
Fiscal year ending March 31, 2023			-
Fiscal year ending March 31, 2023 (Forecast)							110.00				-				110.00				220.00
Note: Dividend forecast remains unchanged.

3. Earnings forecast on a consolidated basis (for the fiscal year ending March 31, 2023)

(Millions of yen, except per share data and percentage)

		Profit attributable to owners of parent		Earnings per share
Fiscal year ending March 31, 2023		¥ 730,000		3.3%		¥ 542.39

Notes:		1.		Earnings forecast remains unchanged.
	2.		Percentage shown in profit attributable to owners of parent is the increase (decrease) from the previous fiscal year.
	3.		Forecasted earnings per share is calculated by dividing forecasted profit attributable to owners of parent by the number of issued common stocks (excluding treasury stocks) as of June 30, 2022. The Board of Directors resolved on November 12, 2021 to repurchase its own shares, and the number of issued common stocks (excluding treasury stocks) is taking into account the impact of repurchase of its own shares.

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* Notes
(1) There were no changes in material consolidated subsidiaries in the period.
(2) Special accounting methods used for preparing quarterly consolidated financial statements were adopted.
Note: For more details, see page 2 "1. Matters related to summary information (Notes)."
(3) Changes in accounting policies, changes in accounting estimates and restatements
(a) Changes in accounting policies due to application of new or revised accounting standards		: Yes
(b) Changes in accounting policies due to reasons other than above (a)		: No
(c) Changes in accounting estimates		: No
(d) Restatements		: No
Note: For more details, see page 2 "1. Matters related to summary information (Notes)."
(4) Number of shares issued (common stocks)

		As of June 30, 2022				As of March 31, 2022
(a) Number of shares issued (including treasury stocks)		1,374,362,102 shares			1,374,362,102 shares
(b) Number of treasury stocks		3,466,493 shares			3,542,321 shares
		Three months ended June 30, 2022				Three months ended June 30, 2021
(c) Average number of shares issued in the period		1,370,881,291 shares			1,370,486,421 shares

[Note on quarterly review process]

This report is out of the scope of the external auditor's review procedure.

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 Sumitomo Mitsui Financial Group, Inc. ("the Company") and its management with respect to the Company's 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 the Company's securities portfolio; incurrence of significant credit-related costs; the Company's ability to successfully implement its business strategy through its subsidiaries, affiliates and alliance partners; and exposure to new risks as the Company expands the scope of its 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. The Company undertakes no obligation to update or revise any forward-looking statements. Please refer to the Company's most recent disclosure documents such as its annual report on Form 20-F and other documents submitted to the U.S. Securities and Exchange Commission, as well as its earnings press releases, for a more detailed description of the risks and uncertainties that may affect its financial conditions, its operating results, and investors' decisions.

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Sumitomo Mitsui Financial Group, Inc.

Table of contents

1.		Matters related to summary information (Notes)			2
	(1) Application of special accounting methods used for preparing quarterly consolidated financial statements			2
	(2) Changes in accounting policies due to application of new or revised accounting standards			2
2.		Consolidated financial statements			3
	(1) Consolidated balance sheets			3
	(2) Consolidated statements of income and consolidated statements of comprehensive income			4
	(3) Note on going concern			4
	(4) Material changes in stockholders' equity			4

Appendix: Financial results for the three months ended June 30, 2022 supplementary information

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Sumitomo Mitsui Financial Group, Inc.

1. Matters related to summary information (Notes)

(1)	Application of special accounting methods used for preparing quarterly consolidated financial statements

The Company and certain domestic consolidated subsidiaries calculated tax expenses by multiplying Income before income taxes by an effective tax rate that was reasonably estimated by applying tax effect accounting to estimated Income before income taxes for the fiscal year ending March 31, 2023 including the period for the three months ended June 30, 2022. Amounts of Income taxes include Income taxes-deferred.

(2)	Changes in accounting policies due to application of new or revised accounting standards

Application of Implementation Guidance on Accounting Standard for Fair Value Measurement

The Company applied "Implementation Guidance on Accounting Standard for Fair Value Measurement" (ASBJ Guidance No.31, June 17, 2021) from the beginning of the period for the three months ended June 30, 2022. In accordance with the transitional treatment set forth in Paragraph 27-2 of Implementation Guidance on Accounting Standard for Fair Value Measurement, the Company has prospectively adopted the new accounting policy set forth in Implementation Guidance on Accounting Standard for Fair Value Measurement. There are no effects on consolidated financial statements due to the application of the Implementation Guidance.

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Sumitomo Mitsui Financial Group, Inc.

2. Consolidated financial statements

(1) Consolidated balance sheets

		Millions of yen
	March 31, 2022			June 30, 2022
Assets:
Cash and due from banks		¥	74,792,123			¥	74,646,634
Call loans and bills bought			1,965,134				2,091,072
Receivables under resale agreements			6,035,507				5,231,799
Receivables under securities borrowing transactions			5,649,632				4,777,896
Monetary claims bought			5,370,377				5,760,257
Trading assets			7,351,878				8,297,478
Money held in trust			310				6,810
Securities			38,538,724				39,347,789
Loans and bills discounted			90,834,056				96,688,452
Foreign exchanges			2,812,104				4,448,520
Lease receivables and investment assets			228,608				226,746
Other assets			10,175,873				12,657,021
Tangible fixed assets			1,457,254				1,493,839
Intangible fixed assets			898,817				920,660
Net defined benefit asset			623,045				634,325
Deferred tax assets			66,720				75,710
Customers' liabilities for acceptances and guarantees			11,722,239				13,098,225
Reserve for possible loan losses			(817,784)				(711,407)
Total assets		¥	257,704,625			¥	269,691,834
Liabilities:
Deposits		¥	148,585,460			¥	153,172,245
Negotiable certificates of deposit			13,069,796				13,792,741
Call money and bills sold			1,129,999				1,018,146
Payables under repurchase agreements			19,359,965				19,045,789
Payables under securities lending transactions			1,580,580				1,388,565
Commercial paper			1,866,366				1,992,918
Trading liabilities			6,377,968				7,119,225
Borrowed money			18,877,990				17,951,970
Foreign exchanges			1,216,893				1,859,257
Short-term bonds			442,000				433,500
Bonds			9,808,107				10,543,167
Due to trust account			2,443,873				2,395,740
Other liabilities			8,415,621				13,006,313
Reserve for employee bonuses			89,894				31,915
Reserve for executive bonuses			4,064				-
Net defined benefit liability			40,864				40,569
Reserve for executive retirement benefits			1,087				923
Reserve for point service program			25,000				26,360
Reserve for reimbursement of deposits			5,767				4,254
Reserve for losses on interest repayment			135,084				126,586
Reserves under the special laws			3,902				3,902
Deferred tax liabilities			275,570				164,908
Deferred tax liabilities for land revaluation			29,193				29,192
Acceptances and guarantees			11,722,239				13,098,225
Total liabilities			245,507,293				257,246,417
Net assets:
Capital stock			2,341,878				2,341,878
Capital surplus			693,664				693,809
Retained earnings			6,916,468				7,024,916
Treasury stock			(13,402)				(13,116)
Total stockholders' equity			9,938,608				10,047,488
Net unrealized gains (losses) on other securities			1,632,080				1,264,690
Net deferred gains (losses) on hedges			(80,061)				1,394
Land revaluation excess			36,320				36,324
Foreign currency translation adjustments			450,143				879,507
Accumulated remeasurements of defined benefit plans			121,123				115,611
Total accumulated other comprehensive income			2,159,606				2,297,528
Stock acquisition rights			1,475				1,226
Non-controlling interests			97,641				99,173
Total net assets			12,197,331				12,445,416
Total liabilities and net assets		¥	257,704,625			¥	269,691,834

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Sumitomo Mitsui Financial Group, Inc.

(2) Consolidated statements of income and consolidated statements of comprehensive income

(Consolidated statements of income)

		Millions of yen
Three months ended June 30		2021					2022
Ordinary income		¥	951,725				¥	1,331,703
Interest income			442,051					637,403
Interest on loans and discounts			321,811					441,177
Interest and dividends on securities			74,476					108,984
Trust fees			1,237					1,478
Fees and commissions			327,317					336,330
Trading income			67,364					4,543
Other operating income			34,369					255,237
Other income			79,386					96,710
Ordinary expenses			664,484					982,028
Interest expenses			87,808					205,653
Interest on deposits			20,749					63,559
Fees and commissions payments			54,712					56,222
Trading losses			1,582					90,643
Other operating expenses			36,457					85,556
General and administrative expenses			437,980					484,021
Other expenses			45,943					59,932
Ordinary profit			287,240					349,674
Extraordinary gains			16					10
Extraordinary losses			2,445					998
Income before income taxes			284,812					348,686
Income taxes			79,973					93,962
Profit			204,838					254,724
Profit attributable to non-controlling interests			1,595					2,284
Profit attributable to owners of parent		¥	203,243				¥	252,439
(Consolidated statements of comprehensive income)
		Millions of yen
Three months ended June 30		2021					2022
Profit		¥	204,838				¥	254,724
Other comprehensive income (losses)			55,480					136,901
Net unrealized gains (losses) on other securities			14,503					(365,102)
Net deferred gains (losses) on hedges			1,606					71,230
Foreign currency translation adjustments			26,720					393,295
Remeasurements of defined benefit plans			(4,329)					(5,525)
Share of other comprehensive income of affiliates			16,979					43,003
Total comprehensive income			260,319					391,625
Comprehensive income attributable to owners of parent			258,184					390,357
Comprehensive income attributable to non-controlling interests			2,135					1,268

(3) Note on going concern

Not applicable.

(4) Material changes in stockholders' equity

Not applicable.

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Sumitomo Mitsui Financial Group

Financial results

for the three months

ended June 30, 2022

- Supplementary information -

	Table of contents
1.		Operating results		Consolidated		Non-consolidated							1
2.		Interest spread (domestic)			Non-consolidated							3
3.		Non-performing loans (NPLs) based on the Banking Act and the Reconstruction Act		Consolidated		Non-consolidated							3
4.		Unrealized gains (losses) on securities		Consolidated		Non-consolidated							4
5.		Deposits and loans			Non-consolidated							5
6.		ROE		Consolidated								5

Notes

1. Consolidated : Consolidated figures of Sumitomo Mitsui Financial Group, Inc.

2. Non-consolidated : Non-consolidated figures of Sumitomo Mitsui Banking Corporation ("SMBC")

3. Capital ratio as of June 30, 2022 will be announced when it is fixed.

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Sumitomo Mitsui Financial Group

1. Operating results

Consolidated				(Millions of yen)
			Three months ended June 30, 2022 (A)		Change (A) - (B)			Three months ended June 30, 2021 (B)
Consolidated gross profit		1		796,917		105,139				691,778
		Net interest income		2		431,750		77,508				354,242
		Trust fees		3		1,478		241				1,237
		Net fees and commissions		4		280,107		7,503				272,604
		Net trading income		5		(86,099)		(151,880)				65,781
		Net other operating income		6		169,681		171,768				(2,087)
General and administrative expenses		7		(484,021)		(46,041)				(437,980)
Equity in gains (losses) of affiliates		8		32,712		19,437			13,275
Consolidated net business profit		9		345,609		78,536				267,073
Total credit cost		10		(32,101)		(21,764)				(10,337)
		Credit costs		11		(35,839)		(6,269)				(29,570)
			Write-off of loans		12		(26,898)		(732)				(26,166)
				Provision for reserve for possible loan losses		13		(2,285)		(2,285)				-
				Others		14		(6,654)		(3,250)				(3,404)
		Gains on reversal of reserve for possible loan losses		15		-		(10,477)				10,477
		Recoveries of written-off claims		16		3,737		(5,019)			8,756
Gains (losses) on stocks		17		36,835		(3,526)				40,361
Other income (expenses)		18		(669)		9,188				(9,857)
Ordinary profit		19		349,674		62,434				287,240
Extraordinary gains (losses)		20		(987)		1,441				(2,428)
		Gains (losses) on disposal of fixed assets		21		(358)		252				(610)
		Losses on impairment of fixed assets		22		(629)		1,161				(1,790)
Income before income taxes		23		348,686		63,874				284,812
Income taxes		24		(93,962)		(13,989)				(79,973)
Profit		25		254,724		49,886				204,838
Profit attributable to non-controlling interests		26		(2,284)		(689)				(1,595)
Profit attributable to owners of parent		27		252,439		49,196				203,243
Notes: 1.  Amounts less than 1 million yen are rounded down. Figures in parenthesis indicate the amount of loss or decrease.
2.   Consolidated gross profit = (Interest income - Interest expenses) + Trust fees + (Fees and commissions - Fees and commissions payments) + (Trading income - Trading losses) + (Other operating income - Other operating expenses) 3.   Amounts of Income taxes include Income taxes-deferred.
		Number of consolidated subsidiaries and affiliates
						June 30, 2022						March 31, 2022
				Change
		Consolidated subsidiaries		28		183		2				181
		Equity method affiliates		29		114		2				112

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Sumitomo Mitsui Financial Group

SMBC non-consolidated						(Millions of yen)
					Three months ended June 30, 2022 (A)		Change (A) - (B)			Three months ended June 30, 2021 (B)
Gross banking profit		1		471,536		122,781				348,755
		Net interest income		2		329,030		93,084				235,946
		Trust fees		3		512		31				481
		Net fees and commissions		4		103,712		22,690				81,022
		Net trading income		5		(135,071)		(158,619)				23,548
		Net other operating income		6		173,352		165,597				7,755
		Gains (losses) on bonds		7		(33,117)		(43,270)			10,153
Expenses (excluding non-recurring losses)		8		(221,696)		(13,897)				(207,799)
		Personnel expenses		9		(96,375)		(14,128)				(82,247)
		Non-personnel expenses		10		(109,987)		991				(110,978)
		Taxes		11		(15,333)		(760)				(14,573)
Banking profit (before provision for general reserve for possible loan losses)		12		249,839		108,883			140,956
Gains (losses) on bonds		13		(33,117)		(43,270)			10,153
		Core banking profit (12-13)		14		282,957		152,155				130,802
			excluding gains (losses) on cancellation of investment trusts		15		253,733		141,500				112,233
Provision for general reserve for possible loan losses		16		13,587		13,587				-
Banking profit		17		263,426		122,470				140,956
Non-recurring gains (losses)		18		16,213		(17,026)				33,239
		Credit costs		19		(34,522)		(32,097)				(2,425)
		Gains on reversal of reserve for possible loan losses		20		-		(11,250)				11,250
		Recoveries of written-off claims		21		17		(5,128)				5,145
		Gains (losses) on stocks		22		29,560		(9,219)				38,779
				Gains on sales of stocks		23		47,527		6,839				40,688
			Losses on sales of stocks		24		(14,029)		(13,711)				(318)
			Losses on devaluation of stocks		25		(3,937)		(2,347)				(1,590)
		Other non-recurring gains (losses)		26		21,158		40,668				(19,510)
Ordinary profit		27		279,640		105,445				174,195
Extraordinary gains (losses)		28		(405)		1,804				(2,209)
		Gains (losses) on disposal of fixed assets		29		(220)		279				(499)
		Losses on impairment of fixed assets		30		(185)		1,525				(1,710)
Income before income taxes		31		279,234		107,248				171,986
Income taxes		32		(70,310)		(14,846)				(55,464)
Net income		33		208,924		92,403				116,521
Total credit cost (16+19+20+21)		34		(20,918)		(34,888)				13,970
		Provision for general reserve for possible loan losses		35		13,587		8,942				4,645
		Write-off of loans		36		(3,902)		(3,892)				(10)
		Provision for specific reserve for possible loan losses		37		(29,568)		(36,176)				6,608
		Losses on sales of delinquent loans		38		(623)		1,792				(2,415)
		Provision for loan loss reserve for specific overseas countries		39		(428)		(426)				(2)
		Recoveries of written-off claims		40		17		(5,128)				5,145

Notes:		1. Amounts less than 1 million yen are rounded down. Figures in parenthesis indicate the amount of loss or decrease.
	2. Amounts of Income taxes include Income taxes-deferred.

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Sumitomo Mitsui Financial Group

2. Interest spread (domestic)

SMBC non-consolidated									(%)
			Three months ended June 30, 2022 (A)						Three months ended June 30, 2021 (B)
			Change (A) - (B)
Interest earned on loans and bills discounted (a)				0.83		(0.02)				0.85
Interest paid on deposits, etc. (b)				0.00		(0.00)				0.00
Interest spread (a) - (b)				0.83		(0.02)				0.85
Reference: After excluding loans to the Japanese government, etc.
Interest earned on loans and bills discounted (c)				0.85		(0.01)				0.86
Interest spread (c) - (b)				0.85		(0.01)				0.86

3. Non-performing loans (NPLs) based on the Banking Act and the Reconstruction Act

Consolidated					(Billions of yen)
								June 30, 2022						March 31, 2022
					Change from March 31, 2022
		Bankrupt and quasi-bankrupt loans		1		145.0		45.7				99.3
		Doubtful loans		2		532.1		(111.8)				643.9
		Substandard loans		3		395.4		(19.0)				414.4
				Past due loans (3 months or more)		4		15.3		1.8				13.5
		Restructured loans		5		380.1		(20.7)				400.9
		Total (A)		6		1,072.6		(85.0)				1,157.6
		Normal assets		7		115,119.4		9,099.9				106,019.5
		Grand total (B)		8		116,191.9		9,014.9				107,177.0
							(%)
		NPL ratio (A/B)		9		0.92		(0.16)				1.08
	Amount of direct reduction			299.9		140.7			159.3
SMBC non-consolidated					(Billions of yen)
								June 30, 2022						March 31, 2022
					Change from March 31, 2022
		Bankrupt and quasi-bankrupt loans		10		127.3		48.2				79.2
		Doubtful loans		11		408.1		(114.2)				522.3
		Substandard loans		12		182.4		(21.4)				203.8
				Past due loans (3 months or more)		13		4.8		0.6				4.2
		Restructured loans		14		177.6		(22.1)				199.7
		Total (A)		15		717.8		(87.5)				805.3
		Normal assets		16		111,861.8		8,538.3				103,323.5
		Grand total (B)		17		112,579.6		8,450.8				104,128.8
							(%)
		NPL ratio (A/B)		18		0.64		(0.13)				0.77
	Amount of direct reduction			255.8		140.6			115.2

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Sumitomo Mitsui Financial Group

4. Unrealized gains (losses) on securities

Consolidated											(Billions of yen)
												June 30, 2022			March 31, 2022
						Balance sheet amount			Net unrealized gains (losses)							Balance sheet amount				Net unrealized gains (losses)
						Change from March 31, 2022			Gains			Losses
		Held-to-maturity securities			1			40.9			(0.4)		(0.2)			0.0			0.4			25.7			(0.2)
		Other securities			2			38,805.7			1,747.7		(529.5)			2,659.5			911.8			38,114.9				2,277.2
			Stocks			3			3,275.4			1,908.5		(125.1)			1,932.2			23.7			3,403.4				2,033.7
			Bonds			4			19,664.3			(66.8)		(16.8)			15.6			82.5			19,560.3				(50.1)
				Japanese government bonds			5			15,779.2			(52.7)		(5.6)			1.2			53.9			15,774.2				(47.1)
			Others			6			15,866.0			(94.0)		(387.6)			711.6			805.6			15,151.2				293.6
						Foreign bonds			7			13,297.4			(729.6)		(280.8)			33.8			763.4			12,055.6				(448.8)
		Other money held in trust			8			0.3			-		-			-			-			0.3				-
		Total			9			38,846.9			1,747.3		(529.7)			2,659.5			912.2			38,141.0				2,277.0
				Stocks			10			3,275.4			1,908.5		(125.1)			1,932.2			23.7			3,403.4				2,033.7
				Bonds			11			19,705.2			(67.2)		(16.9)			15.6			82.8			19,586.1				(50.3)
						Others			12			15,866.3				(94.0)		(387.6)			711.6			805.6			15,151.5					293.6
SMBC non-consolidated								(Billions of yen)
												June 30, 2022			March 31, 2022
						Balance sheet amount			Net unrealized gains (losses)							Balance sheet amount				Net unrealized gains (losses)
						Change from March 31, 2022			Gains			Losses
		Held-to-maturity securities			13			22.3		(0.3)		(0.1)			-			0.3			22.3			(0.2)
		Stocks of subsidiaries and affiliates			14			4,680.4			12.5		(1.9)			12.6			0.1			4,649.7				14.5
		Other securities			15			34,863.4			1,303.1		(479.3)			2,130.0			826.9			34,290.5				1,782.4
			Stocks			16			3,070.2			1,843.4		(118.6)			1,864.7			21.3			3,202.2				1,961.9
			Bonds			17			19,780.5			(65.8)		(16.4)			15.6			81.4			19,625.2				(49.4)
				Japanese government bonds			18			15,779.2			(52.7)		(5.6)			1.2			53.9			15,769.2				(47.1)
			Others			19			12,012.7			(474.4)		(344.3)			249.6			724.1			11,463.1				(130.1)
				Foreign bonds			20			10,041.9			(653.3)		(250.2)			29.0			682.3			8,970.5				(403.1)
		Total			21			39,566.1			1,315.3		(481.4)			2,142.6			827.3			38,962.5				1,796.6
				Stocks			22			3,535.5			1,844.0		(118.5)			1,865.4			21.3			3,665.5				1,962.5
				Bonds			23			19,802.8			(66.2)		(16.5)			15.6			81.8			19,647.5				(49.7)
						Others			24			16,227.7				(462.6)		(346.3)			261.6			724.2			15,649.5					(116.2)

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.		The net unrealized gains (losses) are measured based on market prices of the securities 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. Losses of 17 million yen and gains of 2,122 million yen were recognized in the statements of income for the three months ended June 30, 2022 and for the year ended March 31, 2022 respectively.

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Table of Contents

Sumitomo Mitsui Financial Group

5. Deposits and loans

SMBC non-consolidated						(Billions of yen)
		June 30, 2022						March 31, 2022
		Change from March 31, 2022
Domestic deposits		120,119.6		1,416.3				118,703.4
		Individual		57,168.7		1,046.6				56,122.1
Note : The figures above exclude negotiable certificates of deposit and Japan offshore banking accounts.
Loans and bills discounted		92,372.5		4,701.2				87,671.3
		Domestic offices (excluding offshore banking accounts)		58,340.6		360.8				57,979.7
		Overseas offices and offshore banking accounts		34,031.9		4,340.4				29,691.6
6. ROE
Consolidated								(%)
		Three months ended June 30, 2022						Three months ended June 30, 2021
		Change
ROE (denominator: Total stockholders' equity)		10.1		1.6				8.5

Note:			(Profit attributable to owners of parent) X (Number of days in a year (365 days)) /
ROE		=		(Number of days in the period (91 days))		X 100
	{(Total stockholders' equity at the beginning of the period) + (Total stockholders' equity at the end of the period)} / 2

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