Group Companies (as of September 30, 2008)

SUMITOMO BANKING CORPORATION www.smbc.co.jp/english/

Sumitomo Mitsui Banking Corporation (SMBC) Company Name: Sumitomo Mitsui Banking Corporation was established in April 2001 through the merg- Business Profi le: Banking Establishment: June 6, 1996 er of two leading banks: , Head Offi ce: 1-2, Yurakucho 1-chome, Chiyoda-ku, Limited, and The Sumitomo Bank, Limited. Tokyo, Japan Sumitomo Mitsui Financial Group, Inc., was President: Masayuki Oku Credit Ratings (as of December 31, 2008) Long-term Short-term established through a stock transfer as a hold- Number of Employees: 22,113 Number of branches and other business locations: Moody’s Aa2 P−1 ing company, and SMBC became a wholly In Japan: 1,515* Standard & Poor’s A+ A−1 owned subsidiary of SMFG. SMBC’s competi- Branches: 475 Fitch Ratings A+ F1 R&I A+ a−1 tive advantages include a strong customer base, (Including 38 specialized deposit account branches) Subbranches: 167 JCR AA− J−1+ the quick implementation of strategies, and an Agency: 1 Financial Information (Consolidated basis) Billions of yen extensive lineup of fi nancial products and ser- Offi ces handling non-banking business: 23 Sept. 30, Mar. 31, Mar. 31, Mar. 31, Automated service centers: 849 vices that leverage the expertise of strategic 2008 2008 2007 2006 Overseas: 41 For the Interim Period (Year): Group companies in specialized areas. SMBC, Branches: 19 Ordinary income¥ 1,542.6 ¥ 3,411.0 ¥ 2,925.6 ¥ 2,750.2 Subbranches: 6 as a core member of SMFG, works together Ordinary profi t 178.2 734.9 716.6 862.0 Representative offi ces: 16 with other members of the Group to offer cus- Net income 94.9 351.8 401.7 563.5 * The number of domestic branches excludes ATMs located At Interim Period- (Year-) End: tomers highly sophisticated, comprehensive in retail convenience stores. Net assets ¥ 5,203.3 ¥ 5,080.7 ¥ 5,412.4 ¥ 3,598.2 fi nancial services. Total assets 107,872.1 108,637.7 98,570.6 104,418.5

SMFG Card & Credit, Inc.

SMFG Card & Credit, Inc. (“FGCC”), was estab- Company Name: SMFG Card & Credit, Inc. lished in October 2008 as an intermediate hold- Business Profi le: Management of subsidiaries and affi liates ing company of SMFG to hold shares of Establishment: October 1, 2008 Sumitomo Mitsui Card Co., Ltd., and Cedyna Head Offi ce: 1-2, Yurakucho 1-chome, Financial Corporation. FGCC is the core compa- Chiyoda-ku, Tokyo, ny responsible for implementing SMFG’s credit Japan President & CEO: Takeshi Kunibe card strategy and establishing uniform business Number of Employees: 30 SMFG Card & Credit, Inc. policies. FGCC will also create a framework for (As of December 31, 2008) promoting a solid partnership between Sumitomo Mitsui Card and Cedyna Financial Corporation, Maximization of seek to realize economies of scale for the Group top-line synergies as a whole, and maximize top-line synergy by Pursuit of leveraging each party’s strengths. economies of scale * Cedyna Financial Corporation is scheduled to be formed in April 2009 through the merger of three companies: Central To be created from the merger Finance Co., Ltd., OMC Card, Inc., and QOUQ Inc., and of three companies in April 2009 will become one of the largest consumer fi nance compa- nies in Japan.

www.smbc-card.com (Japanese only)

As the pioneer in the issuance of the VISA Card affl uent consumer lifestyles and make further in Japan and a leader in the domestic credit dramatic advances as a leading brand in its card industry, Sumitomo Mitsui Card Company, industry sector. Limited, enjoys the strong support of its many customers and plays a major role as one of the Company Name: Sumitomo Mitsui Card Company, Credit Ratings (as of December 31, 2008) Long-term Short-term strategic businesses of SMFG. Limited Business Profi le: Credit card services JCR A+ J−1+ Leveraging its strong brand image and its Establishment: December 26, 1967 Financial Information Billions of yen Head Offi ce: excellent capabilities across a wide range of Sept. 30, Mar. 31, Mar. 31, Mar. 31, Tokyo Head Offi ce: 1-2-20, Kaigan, Minato-ku, Tokyo card-related services, the company provides 2008 2008 2007 2006 Osaka Head Offi ce: 4-5-15, Imabashi, Chuo-ku, Osaka For the Interim Period (Year): settlement and financing services focused President & CEO: Koichi Tsukihara Revenue from credit ¥2,891.3 ¥5,375.2 ¥4,753.8 ¥4,181.3 around providing credit services that meet cus- Number of Employees: 2,144 card operations tomer needs. Through its credit card business Operating revenue 90.8 168.4 157.6 148.2 operations, the company aims to actively con- Operating profi t 11.9 16.9 14.1 25.8 At Interim Period- (Year-) End: tribute to the realization of comfortable and Number of cardhold- 1,764.0 1,640.6 1,495.1 1,406.7 ers (in thousands)

12 Interim Report 2008 www.smfl .co.jp/english/

Sumitomo Mitsui Finance and Leasing (SMFL) users of leased equipment and to suppliers was created from the merger of SMBC Leasing of equipment, its capabilities for offering high- Company, Limited, and Sumisho Lease Co., value-added products and services, and its Ltd., in October 2007. SMFL aims to become close ties with one of its shareholders in the air- the top leasing company in Japan in terms of craft operating lease fi eld. Through anticipating Credit Ratings (as of December 31, 2008) Long-term Short-term both quantity and quality by combining (a) the future needs and offering top-quality leasing ser- R&I A+ a−1 customer base and know-how of SMBC vices, SMFL is working to contribute to society JCR AA− J−1+

Leasing, as a bank-affi liated leasing company as a leading company in the leasing industry. Financial Information Billions of yen that can draw on the fi nancial solutions offered Sept. 30, Mar. 31, Mar. 31, Mar. 31, by other subsidiaries of SMFG, and (b) the cus- Company Name: Sumitomo Mitsui Finance and 2008 2008 2007 2006 Leasing Co., Ltd. For the Interim Period (Year): tomer base and know-how of Sumisho Lease, Revenue from leasing ¥583.6 ¥615.5 Business Profi le: Leasing ¥462.5 ¥1,040.5 as an affiliate of the Establishment: February 4, 1963 operations 503.4 488.9 630.0 619.7 Group, one of Japan’s leading trading houses, Head Offi ce: Operating revenue 462.6 708.4 Tokyo Head Offi ce: 3-9-4 Nishi-Shimbashi, Minato-ku, Tokyo 379.9 375.1 which has business relationships along the value 31.5 32.2 Osaka Head Offi ce: 3-10-19, Minami-Semba, Chuo-ku, Osaka Operating profi t 21.0 36.2 chains in a wide range of industries. President & CEO: Koji Ishida 24.7 21.4 SMFL is one of the leading companies in the Number of Employees: 1,601 * The upper row of fi gures for 2006 and 2007 are for SMBC leasing industry because of its strong marketing Leasing and the lower row of figures are for Sumisho position based on its access to channels to Lease.

www.jri.co.jp/english/

The Japan Research Institute, Limited (JRI), to customers across a wide range of industries, is a “knowledge engineering” company that and NTT Data Co., Ltd. And, in January 2009, offers high-value-added services by effectively JRI Solutions began operations anew under the combining its capabilities in three fi elds: namely, name “JSOL.” Looking ahead, JRI, while main- information systems integration, consulting, taining close relationships with other SMFG Financial Information Billions of yen Sept. 30, Mar. 31, Mar. 31, Mar. 31, and think-tank services. JRI offers consulting companies, will draw on the diverse range of 2008 2008 2007 2006 services—principally focused on management resources and know-how of the NTT Data For the Interim Period (Year): innovation and IT-related issues, planning and Group, as well as the know-how it has accumu- Operating revenue ¥40.6 ¥88.1 ¥84.6 ¥115.8 Operating profi t (0.8) 3.8 3.0 5.2 implementation services for strategic information lated, to further grow and develop as an IT ser- * JRI Solutions was spun off as a separate company in July systems, and outsourcing services—for cus- vices company. 2006. tomers in fi nancial services and a range of other industrial sectors. In addition, JRI’s wide-ranging Company Name: The Japan Research Institute, Limited activities cover the issuance of a range of infor- Business Profi le: Systems engineering, data process- ing, management consulting, think- mation, including research and analysis of the tank services Japanese and overseas economies, formulation Establishment: November 1, 2002 of policy recommendations, and assistance in Head Offi ce: Tokyo Head Offi ce: 16 Ichibancho, Chiyoda-ku, Tokyo the incubation of new businesses. Osaka Head Offi ce: 1-6-3 Shinmachi, Nishi-ku, Osaka In December 2008, JRI concluded a capital President & CEO: Yasuyuki Kimoto and business alliance with JRI Solutions, Number of Employees: 1,929 Limited, an SMFG company offering IT solutions

SMBC FRIEND SECURITIES CO., LTD. www.smbc-friend.co.jp (Japanese only)

Providing a full range of securities services, Going forward, SMBC Friend Securities is focused mainly on retail customers, SMBC aiming to be “a leading Japanese securities Friend Securities has one of the strongest fi nan- company serving the retail market,” and, by cial positions among Japanese securities com- offering high-quality products and services panies and boasts highly efficient operations matching the needs of its customers, will Financial Information Billions of yen Sept. 30, Mar. 31, Mar. 31, Mar. 31, with a nationwide network of 75 offi ces. SMBC continue to build strong bonds of trust with 2008 2008 2007 2006 Friend Securities offers services closely tailored its customers. For the Interim Period (Year): to the needs of its customers and the communi- Operating revenue ¥24.5 ¥60.5 ¥58.7 ¥68.5 Operating profi t 3.4 19.0 21.2 31.0 ties it serves. SMBC Friend Securities became Company Name: SMBC Friend Securities Co., Ltd. a wholly owned subsidiary of SMFG through a Business Profi le: Securities services Establishment: March 2, 1948 share transfer in September 2006, and is devel- Head Offi ce: 7-12, Kabuto-cho, Nihonbashi, oping business operations jointly with SMBC Chuo-ku, Tokyo and other Group members by strengthening its President & CEO: Katsuhiko Tamaki ties with these companies. Number of Employees: 2,189 SMFG 13