Sumitomo Financial Group CSR Report Digest version

www.smfg.co.jp/english Today, Tomorrow and Beyond

First,First, I wouldwould likelike toto extendextend ourour deepestdeepest sympathiessympathies andand heartfeltheartfelt condolencescondolences toto allall thosethose whowho havehave sufferedsuffered andand INDEX

toto tthehe ffamiliesamilies aandnd ffriendsriends ooff tthosehose wwhoho ttragicallyragically llostost ttheirheir llivesives iinn thethe devastatingdevastating earthquakeearthquake andand tsunamitsunami Foreword 1

thatthat struckstruck northeasternnortheastern JapanJapan onon MarchMarch 11,11, 2011.2011. WeWe praypray forfor thethe earlyearly recoveryrecovery ofof thethe affectedaffected peoplepeople andand areas.areas. Commitment from the Top 3 A Conversation with Tadao Ando, SMFGSMFG isis dedicateddedicated toto seamlesslyseamlessly respondingresponding toto clients’clients’ needsneeds byby leveragingleveraging ourour group-widegroup-wide capabilities,capabilities, Takeshi Kunibe and Koichi Miyata What can we do now to spur the reconstruction and revitalization of , offeringoffering ooptimalptimal pproductsroducts aandnd sservices,ervices, aandnd eensuringnsuring tthathat eeveryvery employeeemployee andand thethe overalloverall groupgroup areare capablecapable ofof and help resolve global issues?

respondingresponding ttoo tthehe cchallengeshallenges ooff gglobalization.lobalization. I bbelieveelieve tthathat throughthrough thesethese measures,measures, Measures to Support Reconstruction after the March 11 President wewe willwill contributecontribute toto thethe growthgrowth andand developmentdevelopment ofof ourour clientsclients andand society,society, andand ourselvesourselves growgrow inin partnershippartnership withwith them.them. Sumitomo Mitsui Financial Group, Inc. Earthquake and Tsunami 8 ThroughThrough oourur bbasicasic ppolicyolicy ooff bbecomingecoming ““aa ggloballylobally ccompetitiveompetitive financialfinancial servicesservices groupgroup Koichi Miyata Priority Issues for Us 9

withwith tthehe hhighestighest ttrustrust ooff oourur cclients,lients, ssocietyociety aandnd ootherther sstakeholders”takeholders” byby maximizingmaximizing ourour corecore strengthsstrengths ofof Our Mission and CSR at SMFG 11 “Spirit“Spirit ofof Innovation,”Innovation,” “Speed”“Speed” andand “Solution“Solution & Execution,”Execution,” wewe willwill continuecontinue toto staystay aheadahead ofof thethe times,times, 〈Specific Examples of CSR Activities〉 nono mmatteratter hhowow cchallenging,hallenging, andand activelyactively adaptadapt toto changeschanges inin ourour businessbusiness environment.environment. Together with Our Customers 13

Together with Our Shareholders and Markets 17

Together with Our Employees 19

Environmental Activities 21

Social Contribution Activities 25

Corporate Outline/Editorial Policy 29

01 CSR REPORT 2011 CSR REPORT 2011 02 Commitment from the Top A Conversation with Tadao Ando, Takeshi Kunibe and Koichi Miyata Takeshi Kunibe President and CEO Sumitomo Mitsui Banking Corporation What can we do now to spur companiescompanies wouldwould dodo betterbetter aandnd businessbusiness iinn tthehe TTohokuohoku rregion,egion, iincludingncluding thethe wwholehole ccountryountry wwouldould bbenefit.enefit. businessbusiness mmatchingatching wwithith ppartiesarties ooutsideutside ReturningReturning toto Mr.Mr. AndoAndo’s wwords,ords, thethe region.region. InIn addition,addition, wewe hhaveave a rrangeange ooff the reconstruction and revitalization anda nd hhisis ccommentsom ment s aaboutbout supportsupport activitiesactivities inin partnershippartnership withwith thethe MiyagiMiyagi clingingclinging toto thethe statusstatus quo,quo, moremore prefecturalprefectural ggovernmentovernment aandnd TheThe 7777 BBank,ank, of Japan, and help peoplepeople nownow think,think, “Oh,“Oh, well,well, mmyy Ltd.,Ltd., whichwhich isis basedbased inin Miyagi.Miyagi. lifelife isis fairlyfairly comfortablecomfortable aandnd Miyata: IInn tthehe ssameame wway,ay, otherother SSMFGMFG that’sthat’s eenoughnough forfor mme.”e.” TThishis ssenseense GroupGroup companiescompanies havehave beenbeen sendingsending outout resolve global issues? ofof sstagnation,tagnation, oorr rresignation,esignation, volunteers,volunteers, aandnd pprovidingroviding ddonationsonations nnotot oonlynly untiluntil tthehe ccountryountry bbecameecame anan eeconomicconomic thatthat ppeopleeople feelfeel inin theirtheir liveslives hhasas spreadspread asas a ccompany,ompany, butbut alsoalso throughthrough individualindividual UpliftingUplifting tthehe nnation’sation’s sspiritspirits juggernaut.juggernaut. However,However, iinn tthehe eearlyarly 11970s,970s, throughoutthroughout Japan.Japan. ButBut whenwhen thethe disasterdisaster employees.employees. SSMBCMBC wwasas aatt tthehe hhearteart ooff aallll tthesehese JapanJapan iiss nnowow ffacingacing a wwideide vvarietyariety ooff pproblems,roblems, rranginganging ffromrom tthehe rreconstructioneconstruction ooff thethe TohokuTohoku rregionegion (the(the northeasternnortheastern rregionegion of JJapan)apan) peoplepeople bbecameecame ccomplacentomplacent aboutabout theirtheir struck,struck, peoplepeople aagaingain ccameame togethertogether andand activities,activities, aandnd tthishis wwasas a ggoodood oopportunitypportunity afterafter tthehe MMarcharch 1111 eearthquakearthquake aandnd ttsunamisunami ((“the“the GGreatreat EastEast JapanJapan Earthquake”)Earthquake”) toto a shrinkingshrinking andand agingaging population,population, withwith fallingfalling birthbirth ratesrates affluence,affluence, andand sstoppedtopped workingworking hardhard andand workedworked togethertogether inin thethe recoveryrecovery effort.effort. I forfor uuss ttoo aappreciateppreciate aanewnew hhowow oourur bbusinessusiness andand increasingincreasing nnumbersumbers ooff thethe aged.aged. makingmaking efforts.efforts. CChildrenhildren aassumedssumed tthathat iiff ttheyhey thought,thought, ““NotNot eeverythingverything tthathat hhappenedappened hashas contributescontributes toto thethe publicpublic good.good. WeWe mmustust nownow ffindind wwaysays fforor ppeopleeople ttoo ccoexistoexist iinn hharmonyarmony wwithith nnature,ature, basedbased onon a globalglobal perspective.perspective. wentwent ttoo a ttop-classop-class uuniversityniversity ttheyhey wwouldould wwalkalk beenbeen bbad.”ad.” BButut I fearfear thethe consequencesconsequences ifif wewe SumitomoSumitomo MMitsuiitsui FFinancialinancial GGrouproup ((SMFG)SMFG) iinvitednvited tthehe wworld-famousorld-famous aarchitectrchitect TTadaoadao AAndondo ttoo joinjoin iinn a cconversationonversation oonn thethe issuesissues fafaccinging societysociety intointo a ttop-classop-class ccompanyompany andand havehave nothingnothing toto dondon’t galvanize,galvanize, ccoordinateoordinate aandnd mmaximizeaximize worryworry aaboutbout thereafter.thereafter. SoSo theythey startedstarted goinggoing effortsefforts mmoreore eeffectively.ffectively. andand tthehe waysways inin whichwhich SMFGSMFG andand itsits GroupGroup companiescompanies cancan bringbring theirtheir expertiseexpertise toto bearbear asas a financialfinancial servicesservices group.group. toto cramcram schoolsschools eveneven beforebefore kkindergarten.indergarten. Kunibe: AAss fforor SSMBC,MBC, I wwonderedondered iiff I ggiveive llecturesectures oonn tthehe tthemeheme ““studentsstudents bbornorn inin employeesemployees aatt aallll tthehe bbranchesranches aandnd ootherther I bbelieveelieve tthehe ttimeime hashas comecome forfor usus toto andand afterafter 19801980 areare hopelesshopeless ccases”ases” ((laughs).laughs). officesoffices iinn tthehe aaffectedffected aareasreas wwouldould bbee aableble ttoo Our measures to support reconsiderreconsider whatwhat wewe ccanan ddoo iinn oourur ccapacityapacity ThatThat waswas becausebecause ofof thethe prevailingprevailing attitudeattitude atat getget ttoo wworkork aandnd ccarryarry ooutut theirtheir ddutiesuties atat suchsuch reconstruction asas a ffinancialinancial iinstitutionnstitution toto addressaddress a varietyvariety thethe ttimeime thatthat JapanJapan’s nationalnational developmentdevelopment a difficultdifficult timetime forfor ttheirheir oownwn ffamilies;amilies; oorr iiff after the disastrous ofof iissues,ssues, includingincluding thethe fourfour priorities.priorities. wouldwould ggoo oonn forfor eeverver aandnd tthehe eeconomyconomy wouldwould theythey wouldwould bebe ableable toto openopen theirtheir officesoffices forfor earthquake and tsunami TodayToday I hhopeope wwee ccanan ddiscussiscuss nnotot oonlynly tthehe rroadoad remainremain sstable.table. AAss a rresult,esult, pparentsarents sspoiltpoilt theirtheir businessbusiness onon weekendsweekends aandnd ootherther holidays.holidays. Uplifting toto rreconstructioneconstruction afterafter thethe disaster,disaster, butbut alsoalso children,children, andand wewe ssawaw mmoreore cchildrenhildren wwhoho DespiteDespite tthehe llackack ooff waterwater andand gas,gas, theythey reallyreally the nation’s spirits waysways toto upliftuplift thethe nation’snation’s spirits.spirits. couldcould nnotot dodo anything.anything. MManyany suchsuch childrenchildren gavegave ttheirheir aallll toto provideprovide bbankinganking sservices.ervices. Ando: JapanJapan hhasas aachievedchieved ttwowo mmiraclesiracles - tthehe areare inin theirtheir 30s30s now.now. ItIt wwasas rreallyeally uupliftingplifting ttoo sseeee ssuchuch ddedicationedication ̶ SMFGSMFG hashas thethe followingfollowing prioritiespriorities iinn iitsts MeijiMeiji RRestorationestoration ooff 11868,868, aandnd tthehe eeconomicconomic AndAnd inin tthishis ssituation,ituation, tthehe aassetsset bbubbleubble burstburst andand ssenseense ooff rresponsibilityesponsibility asas anan employeeemployee ooff corporatecorporate ssocialocial rresponsibilityesponsibility program:program: recoveryrecovery ffollowingollowing tthehe eendnd ooff WWorldorld WWarar IIII iinn [in[in tthehe eearlyarly 1990s],1990s], andand thethe collapsecollapse ofof a ffinancialinancial iinstitutionnstitution eentrustedntrusted wwithith eessentialssential ReconstructionReconstruction afterafter thethe eearthquakearthquake 1945.1945. BBothoth eeventsvents aarere aalsolso rregardedegarded globallyglobally LehmanLehman [[hithit worldworld markets]markets] inin 2008,2008, andand socialsocial iinfrastructure.nfrastructure. I talktalk aboutabout “the“the strengthstrength andand ttsunami,sunami, eenvironmentalnvironmental mmeasures,easures, asas beingbeing miraculous.miraculous. nownow wwee hhaveave tthehe eearthquakearthquake aandnd ttsunamisunami ofof oourur ffront-lineront-line sstaff,”taff,” butbut I waswas ableable toto fullyfully Koichi Miyata addressingaddressing tthehe sshrinkinghrink ing aandnd aagingging InIn 1945,1945, fforeignoreign ddiplomatsiplomats aandnd bbusinessmenusinessmen disaster.disaster. ItIt sseemseems tthathat eeverythingverything tthathat appreciateappreciate jjustust hhowow eextraordinarilyxtraordinarily sstrongtrong President population,population, andand globalglobal challenges.challenges. — visitingvisiting JapanJapan wwereere ffullyully cconfidentonfident tthathat tthehe happenshappens thesethese daysdays merelymerely makesmakes usus moremore SMFGSMFG andand SMBCSMBC areare thanksthanks toto thisthis displaydisplay Sumitomo Mitsui Financial Group, Inc. Kunibe: JapanJapan iiss ffacingacing a ddifficultifficult periodperiod countrycountry wouldwould recoverrecover aass ttheyhey ssurveyedurveyed tthehe anxious.anxious. I tthinkhink eeveryoneveryone needsneeds toto hithit thethe ofof front-linefront-line ccommitment.ommitment. withwith llimitedimited pprospectsrospects fforor eeconomicconomic ggrowthrowth ruinsruins andand thethe scorchedscorched eeartharth aaroundround tthem,hem, ‘reset’‘reset’ bbuttonutton inin somesome sense.sense. IfIf wewe dondon’t,t, MovingMoving fforwardorward oonn tthehe rreconstructioneconstruction ooff Tadao Ando duedue toto a shrinking,shrinking, agingaging populationpopulation andand because,because, inin thethe wordswords ofof oneone ofof them,them, “People“People moremore ddifficultiesifficulties llieie aahead.head. thethe TohokuTohoku rregion,egion, I bbelieveelieve wwee ccanan aalsolso TheThe SSMFGMFG GroupGroup hashas 62,00062,000 employees,employees, a mmatureature eeconomy.conomy. AgainstAgainst thisthis backdrop,backdrop, reallyreally wworkork hhardard andand helphelp eacheach other,other, andand Miyata: Indeed,Indeed, priorprior ttoo 11970,970, llivingiving contributecontribute toto thethe rebuildingrebuilding ofof infrastructureinfrastructure “stepping“stepping upup toto thethe plateplate andand workingworking hardhard Architect. Professor Emeritus at the University of thethe ccountryountry wwasas hithit byby thethe unprecedentedunprecedented childrenchildren taketake heedheed ofof whatwhat theirtheir parentsparents saysay standardsstandards oror wagewage levelslevels werewere veryvery low,low, throughthrough projectproject ffinanceina nce aandnd ootherther toto ggiveive ssomethingomething backback toto society.”society.” I tthinkhink iitt , Representative and Vice-chairman of the Great East Japan Earthquake Reconstruction catastrophecatastrophe ofof thethe GreatGreat EastEast JapanJapan andand sstudytudy hard.hard. AndAnd becausebecause therethere isis a butbut I thinkthink itit waswas a veryvery happyhappy time.time. PeoplePeople fundamentalfundamental bbusinessesusinesses ooff financialfinancial isis importantimportant toto developdevelop wwaysays ooff mmakingaking tthishis Design Council. Awarded the Order of Cultural Earthquake.Earthquake. WeWe mustmust faceface upup toto thethe newnew sparklesparkle inin theirtheir eeyes.”yes.” believedbelieved tthathat iiff ttheyhey rreallyeally wworkedorked hhard,ard, institutionsinstitutions inin whichwhich wewe eexcel.xcel. a ssharedhared aspirationaspiration ofof allall thethe employeesemployees ooff Merit in 2010. challengeschallenges aarisingrising ffromrom thisthis disaster.disaster. Thereafter,Thereafter, tthehe JJapaneseapanese workedworked furiouslyfuriously theirtheir dailydaily liveslives wouldwould improveimprove aandnd ttheirheir WeWe aarere nownow aactivelyctively eengagedngaged iinn ppromotingromoting thethe GGroup.roup.

03 CSR REPORT 2011 CSR REPORT 2011 04 Commitment from the Top A Conversation with Tadao Ando, Takeshi Kunibe and Koichi Miyata

JapanJapan RResearchesearch IInstitute.nstitute. soso thethe ootherther sideside doesndoesn’t uunderstand.nderstand. WeWe A problemproblem nnotot onlyonly forfor JJapanapan bbutut tthehe Initiatives as Ando: OurOur worldworld changedchanged overnightovernight mustmust llistenisten ccarefullyarefully ttoo eeachach ootherther andand wholewhole wworldorld — a global player and followingfollowing tthehe eearthquakearthquake andand tsunami.tsunami. expressexpress oourselvesurselves cclearly.learly. ThisThis isis truetrue forfor Miyata: AsA s I said,s a i d , beforeb e f o r e ttheh e part of the Asian family TakeTake thethe mattersmatters ofof food,food, energyenergy andand bothboth individualsindividuals andand ccompanies.ompanies. earthquakeearthquake andand ttsunami,sunami, a sensesense ofof of nations resources.resources. InIn energy-saving,energy-saving, I thinkthink JapanJapan JapanJapan eenjoysnjoys a hhighigh ddegreeegree ooff ttrust,rust, nnotot stagnationstagnation waswas spreadingspreading throughoutthroughout isis nownow tthehe wworldorld leader.leader. AlthoughAlthough JapanJapan onlyonly inin AsiaAsia butbut alsoalso inin thethe world.world. ItIt hashas anan JapaneseJapanese ssociety.ociety. YYoungoung peoplepeople werewere — FForor tthehe nnationation toto recoverrecover iitsts spiritsspirits hashas ttechnologiesechnologies tthathat ccanan ccontributeontribute toto imageimage ooff ssafetyafety aandnd sstability.tability. ThereThere isis trusttrust weddedwedded ttoo tthehe sstatustatus qquo,uo, aandnd I tthoughthought itit mustmust tthinkhink andand actact inin termsterms ofof globalglobal globalglobal aaffluence,ffluence, I thinkthink itit hashas notnot beenbeen betweenbetween ppeopleeople andand betweenbetween enterprises.enterprises. wewe wwereere sstrugglingtruggling wwithith wweightyeighty aandnd relationships,relationships, andand thosethose withwith AsiaAsia inin ableable ttoo ffullyully ccommunicateommunicate ttheirheir bbenefitsenefits WeWe mustmust rrevitalizeevitalize tthehe ccountryountry wwhilehile tthishis intractableintractable iissues.ssues. BButut nownow moremore peoplepeople particular.particular. — toto tthehe wworld.orld. trusttrust rremainsemains iintact.ntact. PPeopleeople ffromrom variousvarious think,think, ““LetLet’s pullpull ttogether.”ogether.” I tthinkhink tthehe Ando: InIn thethe 1950s1950s andand 1960s,1960s, JapaneseJapanese a growthgrowth strategystrategy thatthat alsoalso coverscovers AAsia.sia. I havehave setset uupp TheThe Momo-KakiMomo-Kaki OrphansOrphans societysociety allowedallowed a ddegreeegree ooff lleewayeeway ttoo WeWe tthinkhink ofof JapanJapan aandnd AAsiasia aass bbeingeing oonene Fund,F u n d , whichw h i c h hhelpse l p s orphanso r p h a n s bbyy thoset hose wwhoho wwanteda nted toto realizerea l i ze theirt hei r strategicstrategic region.region. supportingsupporting theirtheir schoolingschooling forfor a pperioderiod potentialpotent ia l [without[w it hout goodgood academicacadem ic SMBCSMBC intendsintends toto activelyactively broadenbroaden iitsts ofof 1100 yyears.ears. I wwasas hopinghoping ttoo ppersuadeersuade qualifications].qualifications]. I ddidid nnotot gogo toto university,university, scopescope ofof operationsoperations inin Asia,Asia, EuropeEurope andand 10,00010,000 ppeopleeople ttoo ppayay ¥¥10,00010,000 eacheach yearyear nornor rreceiveeceive aanyny pprofessionalrofessional ttraining.raining. thethe AAmericas.mericas. IInn tthathat rregard,egard, wewe nneedeed ttoo forfor 1100 yyears,ears, aandnd aaboutbout 150150 peoplepeople havehave Nonetheless,Nonetheless, I wwantedanted toto becomebecome anan considerconsider ourour globalglobal ccommunicationommunication beenbeen signingsigning upup everyevery day.day. However,However, architectarchitect andand setset upup shopshop inin .Osaka. I capabilities.capabilities. ThatThat isis toto say,say, masteringmastering mostmost ofof themthem areare peoplepeople overover 660.0. PPeopleeople foundfound aann eentrepreneurntrepreneur wwillingilling ttoo ttakeake a languageslanguages ssuchuch aass EEnglishnglish aandnd CChinese,hinese, ofof tthathat ggenerationeneration stillstill thinkthink firstfirst ofof chancechance onon someonesomeone likelike me,me, andand herehere I andand aacquiringcquiring aann iinternationalnternational pperspective,erspective, familyfamily andand ccountry,ountr y, andand tthenhen aaboutbout amam ttoday.oday. BButut thisthis leewayleeway hashas nownow growngrown soso wewe ccanan eexpressxpress aandnd aadvocatedvocate oourur themselves.themselves. TThathat’s whatwhat ppeopleeople usedused toto muchmuch narrower.narrower. I thinkthink wewe mustmust rrevieweview opinionsopinions moremore cclearly.learly. I thinkthink thesethese bebe like.like. WeWe havehave toto considerconsider howhow wewe ccanan wherewhere wewe sstandtand nnow.ow. I tthinkhink wwee mmustust vviewiew thingsthings willwill bebe important.important. I dodo notnot thinkthink induceinduce peoplepeople inin theirtheir thirtiesthirties todaytoday toto JapanJapan aandnd AAsiasia aass fformingorming a ssingleingle wewe wwillill bbee aableble ttoo aachievechieve oourur vvisionision ooff havehave tthishis kkindind ooff mmentality.entality. economiceconomic blocbloc iinn tthehe wworld.orld. becomingbecoming a globalglobal corporationcorporation unlessunless wewe Kunibe: I bbelieveelieve “human“human tties”ies” aarere Kunibe: FForor SSMBCMBC ttoo ccontinueontinue growinggrowing cancan workwork effectivelyeffectively inin foreignforeign llanguagesanguages importantimportant nnotot oonlynly iinn tthehe rreconstructioneconstruction inin tthehe longerlonger term,term, I thinkthink wewe ddoo iindeedndeed asas wewe eexpandxpand ooperations.perations. FForor tthishis rreason,eason, ofof tthehe aareasreas aaffectedffected bbyy thethe disaster,disaster, butbut havehave toto focusfocus oonn thethe globalglobal mmarket,arket, wewe aarere sstrengtheningtrengthening oourur foreignforeign llanguageanguage alsoalso inin thethe iissuessue ooff oourur sshrinking,hrinking, aagingging ini n particularp a r t i c u l a r ttheh e AAsians i a n mmarket.a r k e t . programsprograms andand increasingincreasing thethe numbernumber ooff population.population. GeographicallyGeographically andand cculturally,ulturally, AsiaAsia isis employeesemployees ccapableapable ooff wworkingorking aaroundround tthehe Ando: TheThe thingthing thatthat JapanJapan ttodayoday isis close.close. OurOur expansionexpansion ofof commercialcommercial world,world, asas a mattermatter ofof urgency.urgency. mostmost acclaimedacclaimed forfor iiss llongevity.ongevity. TThehe bankingbanking ooperationsperations toto datedate isis partpart ofof Miyata: InIn AsiaAsia today,today, therethere areare a varietyvariety JapaneseJapanese ccompaniesompanies ttendend ttoo bbee qquiteuite walkswalks ofof lifelife — industry,industry, businessbusiness — mustmust JapaneseJapanese ppeopleeople aalwayslways ccomeome togethertogether averageavera ge llifespani fespa n hhereere isis 8383 years.yea rs. ofof iinfrastructurenfrastructure projects.projects. OOff ccourse,ourse, reservedreserved andand unobtrusive.unobtrusive. I believebelieve theythey comecome together.together. WhileWhile hhelpingelping eacheach other,other, inin ttimesimes ofof crisis.crisis. WomenWomen livelive toto 86.86. WheneverWhenever I gogo aabroadbroad supportingsupporting ssuchuch pprojectsrojects iiss SSMFGMFG’s mustmust bbecomeecome moremore wwillingilling toto blowblow ttheirheir theythey mustmust wworkork fforor tthehe nnationalational iinterest.nterest. Ando: InIn Tohoku,Tohoku, tthehe ssenseense ooff ffamilyamily I ggetet aaskedsked howhow JapaneseJapanese wwomenomen staystay fundamentalfundamental business,business, butbut wewe alsoalso hopehope ttoo ownown ttrumpets.rumpets. FForor eexample,xample, oourur sstudentstudents thatthat thethe restrest ofof JapanJapan hhasas llostost sstilltill eexists.xists. soso yyoungoung andand lovely,lovely, aandnd ffullull ooff vvitality,itality, contributecontribute toto thethe sustainablesustainable developmentdevelopment andand ssalaryalary mmenen cannotcannot freelyfreely expressexpress I mmeanean inin thethe fisheryfishery iindustryndustry andand inin andand whywhy JapaneseJapanese mmenen ssomehowomehow havehave ofof ssocietyociety aandnd tthehe wworldorld includingincluding Asia.Asia. I themselves.themselves. A placeplace wherewhere anybodyanybody cancan Foster the next generation agriculture,agriculture, whichwhich areare supportedsupported bbyy lostlost ttheirheir vvigor.igor. WWhathat ppeopleeople aaroundround thethe thinkthink wwee wwillill bbee ddiscussingiscussing tthishis llater,ater, bbutut speakspeak ttheirheir mmindind ffreelyreely aandnd cclearlylearly — and deal with a shrinking, familyfamily bbonds.onds. WeWe mustmust pplanlan fforor tthehe nnextext worldworld longlong forfor iiss iindeedndeed ttoo lliveive aass llongong wewe aarere ccommittedommitted ttoo aaddressingddressing iissuesssues thatthat isis thethe kindk ind ofof countrycountr y wewe mustmust aging population. generationgeneration whilewhile thethe bondsbonds betweenbetween andand looklook aass ffineine aass JJapaneseapanese wwomen.omen. suchsuch aass eenvironmentalnvironmental pprotectionrotection andand become.become. TheThe reasonreason whywhy JapanJapan isis soso veryvery The bonds between people familyfa m i ly members,members, fromf rom childrench i ldren toto Therefore,Therefore, wwee nneedeed ttoo eencouragencourage tthehe infrastructure-buildinginfrastructure-building byby bringingbringing poorpoor aatt ddealingealing withwith foreignforeign ccountriesountries iiss and their families are crucial elders,elders, remainremain iinn pplace.lace. TheThe childrenchildren participationparticipation ooff mmoreore wwomenomen iinn ssociety;ociety; togethertogether tthehe combinedcombined sstrengthtrength ofof thethe thatthat thethe JapaneseJapanese ppeopleeople ddoo nnotot expressexpress whowho willwill bebe thethe nextnext generationgeneration mustmust wewe nneedeed ttoo ggetet mmoreore wwomenomen iintonto tthehe wholewhole ggrouproup iincludingncluding SSMBCMBC andand thethe theirtheir oownwn oopinionspinions cclearlylearly iinn wwords,ords, andand — A sshrinking,h r i nk i ng, aagingg i ng ppopulation:opu lat ion : bebe rraisedaised toto havehave hhopeope iinn ttheirheir hhearts.earts. workplace.workplace.

05 CSR REPORT 2011 CSR REPORT 2011 06 Commitment from the Top For further details, please see our website. A Conversation with Tadao Ando, Takeshi Kunibe and Koichi Miyata Measures to Support Reconstruction after the March 11 Earthquake and Tsunami Miyata: WhenWhen I tthinkhink aaboutbout whatwhat thethe asas a whole.whole. WeWe nneedeed somebodysomebody toto instillinstill inin thethe peoplepeople SMFGSMFG GroupGroup cancan do,do, throughthrough itsits corecore Ando: I aagree.g ree. WWee nneedeed iindustry,ndust r y, thethe ideaidea thatthat asas longlong asas theythey havehave hhope,ope, Employee proposal: “Save Power & the Nation” financialfinancial ooperations,perations, ttoo hhelpelp a societysociety thatthat governmentgovernment aandnd aacademiacademia ttoo rreallyeally ttalkalk theythey ccanan ggoo fforward;orward; aandnd ttoo lleadead tthem.hem. isis livingliving llongeronger wwithith a ffallingalling bbirthrate,irthrate, toto eeachach ootherther andand ttakeake thisthis seriously.seriously. IfIf I bbelieveelieve individualsindividuals mustmust realizerealize thatthat ifif submittedsubmitted bbyy eemployeesmployees activitiesactivities inin tthehe ddisasterisaster zzone.one. I thinkthink wewe ccanan hhelpelp peoplepeople planplan forfor tthehe theythey jjustust bbuttutt heads,heads, thatthat wonwon’t getget usus theythey hhaveave hhopeope iinn ttheirheir hhearts,earts, ttheyhey wwillill fromfrom a wwideide rrangeange ooff ddepartepart- ManyMany rrespondentsespondents inin thethe “SPN”“SPN” campaigncampaign future,future, hhelpelp themthem putput a certaincertain amountamount anywhere.anywhere. seesee thatthat progressprogress isis possible.possible. WeWe mustmust mentsments aandnd jjobob ggrades.rades. SStepsteps suggestedsuggested tthathat therethere sshouldhould bbee mmoreore oopporppor- asideaside forfor llater.ater. IIff tthishis kkindind ooff sserviceervice wworksorks Kunibe: I seesee thethe environmentalenvironmental businessbusiness ensureensure thatthat studentsstudents areare educatededucated withwith a werewere takentaken toto putput intointo pracprac- tunitiestunities toto makemake ddonationsonations directlydirectly andand wellwell iinn JJapan,apan, I tthinkhink wwee mmightight bbee aableble ttoo asas a llinchpininchpin ofof ourour CSRCSR program,program, whichwhich wewe globalglobal pperspectiveerspective aandnd a ssenseense ofof hopehope ticetice energy-savingenergy-saving mmeasureseasures continuouslycontinuously ttoo tthehe aaffectedffected aareas.reas. JustJust afterafter helphelp ChinaChina andand ThailandThailand too,too, wherewhere thethe cancan ppromoteromote throughthrough ourour corecore businesses.businesses. asas well.well. thatthat werewere judgedjudged toto bebe potenpoten- thethe eearthquake,arthquake, manymany employeesemployees atat allall gradesgrades samesame problemproblem — a shrinking,shrinking, aagingging ForFor eexample,x a mple, SSMBCM BC hasha s createdcre a t e d a ThereThere isis trusttrust inin thethe strengthstrength ofof JapaneseJapanese tiallytially eeffective.ffective. mademade ddonations.onations. ToTo supportsupport longer-termlonger-term populationpopulation — isis brewing.brewing. “Growing“Growing IIndustrialndustrial ClusterCluster ProjectProject technologytechnology aandnd tthehe hhumanityumanity ooff tthehe initiativesinitiatives byby locallocal governmentgovernment andand supportsupport Team”Team” toto organizeorganize pprojectsrojects iinn tthehe ffieldsields JapaneseJapanese ppeople.eople. TThehe qquestionuestion isis whowho willwill activityactivity groupsgroups inin thethe disaster-hitdisaster-hit areas,areas, SMBCSMBC ofof wwater,ater, resources,resources, thethe environmentenvironment andand taketake thethe leadingleading rolerole inin harnessingharnessing thesethese establishedestablished tthehe ““GreatGreat EastEast JapanJapan EarthquakeEarthquake : newnew energyenergy sources,sources, involvinginvolving eentitiesntities assets,assets, inin aallll ttheirheir aaspects?spects? supportsupport ffund”und” fforor aallll eemployees.mployees. IInn OOctoberctober A strong helping hand for fromfrom differentdifferent fields,fields, notnot justjust workingworking Miyata: TTheh e ggroupr o u p hash a s bbeene e n Combining the proposals Save Power & the Nation 2011,2011, tthehe bankbank mademade ddonationsonations throughthrough tthehe environmental businesses withinwithin oonene particularparticular sector.sector. WWee rregardegard implementingimplementing systemssystems suchsuch asas allowingallowing of every employee (“SPN”): Practical Measures supportsupport ffundund ttoo helphelp tthehe ffourour wworst-affectedorst-affected leads to sustainable thisthis processprocess ooff eengagementngagement asas formingforming a employeesemployees ttoo ttakeake ttimeime offoff forfor vvolunteerolunteer prefecturesprefectures (Iwate,(Iwate, Miyagi,Miyagi, FukushimaFukushima andand development based singlesingle uundertakingndertaking aandnd aactct aaccordingly.ccordingly. activities,activities, oorr ttakeake ccareare ooff a ffamilyamily mmemberember TheThe GGreatreat EastEast JapanJapan EarthquakeEarthquake ofof MarchMarch InIn aadditionddition ttoo thethe manymany ideasideas sentsent inin underunder Ibaraki).Ibaraki). TheseThese supplementedsupplemented ddonationsonations on Japanese technologies WeWe bbelieveelieve tthishis iinitiativenitiative ccanan ccontributeontribute whilewhile wworking.orking. 20112011 nnotot onlyonly devastateddevastated thethe directlydirectly hithit thethe ““SPN”SPN” ccampaignampaign wwithith rregardegard toto supportingsupporting mademade bbyy SSMBCMBC aandnd SSMBCMBC NNikkoikko SSecuritiesecurities toto tthehe sustainablesustainable developmentdevelopment ooff AAsiasia OneOne moremore tthing,hing, hhowow ccanan yyouou ccontributeontribute areasareas ofof northeasternnortheastern JapanJapan atat thethe epicenter,epicenter, reconstructionreconstruction inin thethe disaster-hitdisaster-hit areas,areas, somesome fromfrom ffeesees oonn investmentinvestment ttrustrust business.business. — WWhathat aarere tthehe kkeyey iissuesssues wwithith rregardegard toto andand tthehe rrestest ooff tthehe wworld.orld. byby bringingbringing togethertogether thethe powerpower ofof a butbut aalsolso hhadad ssevereevere cconsequencesonsequences fforor thethe employeesemployees ssaidaid ttheyhey wwantedanted ttoo gogo toto thethe ToTo ppromoteromote rreconstructioneconstruction followingfollowing thethe environmentenvironment pprotection,rotection, andand livingliving inin Miyata: SSMFGMFG unitunit JapanJapan ResearchResearch comprehensivecomprehensive financialfinancial servicesservices groupgroup entireentire JapaneseJapanese economy,economy, duedue toto lossloss ofof TohokuTohoku regionregion toto workwork asas volunteers.volunteers. ToTo disaster,disaster, tthehe SSMFGMFG GroupGroup hhasas oongoingngoing harmonyharmony withwith nature?nature? — InstituteInstitute servesserves asas anan adviseradviser toto thethe andand mmakingaking iitt workwork onon behalfbehalf ofof thethe powerpower ggenerationeneration ccapacity,apacity, ddisruptionisruption ooff supportsupport tthosehose wwishingishing ttoo ddoo ““whatwhat cancan bebe supportsupport programsprograms rrunun tthroughhrough bbothoth iitsts ccoreore Ando: EnvironmentalEnvironmental issuesissues areare alsoalso TianjinTianjin Eco-CityEco-City projectproject iinn CChina,hina, aandnd community?community? HowHow dodo youyou harnessharness thatthat manufacturingmanufacturing ssupplyupply cchainshains aandnd ddamageamage ttoo donedone now”now” asas a firstfirst step,step, SSMBCMBC ssetet upup a operationsoperations andand itsits communitycommunity contributioncontribution important.important. TThishis iiss a globalglobal iissue.ssue. PPeopleeople SMBCSMBC andand ourour securitiessecurities unitsunits cancan power?power? IInn tthathat rregard,egard, I wouldwould llikeike ourour agricultureagriculture aandnd ffisheries.isheries. TThehe eearthquakearthquake aandnd frameworkframework ttoo eenablenable eemployeesmployees ttoo ttakeake program.program. MeasuresMeasures areare designeddesigned toto reflectreflect livingliving aaroundround tthehe wworldorld shouldshould linklink handshands provideprovide ffundingunding wwhenhen nneeded.eeded. TThroughhrough groupgroup toto bebe oneone inin whichwhich employeesemployees tsunamitsunami rraisedaised a wwideide rrangeange ooff iissues.ssues. specialspecial lleaveeave fforor volunteervolunteer aactivitiesctivities inin thethe changingchanging nneedseeds iinn tthehe aaffectedffected aareas.reas. andand ffindind nnewew wwaysays ofof safeguardingsafeguarding thethe suchsuch organicorganic aassistance,ssistance, wewe pproviderovide believebelieve thatthat theythey havehave theirtheir ownown distinctdistinct UnderUnder tthehe SSaveave PPowerower & tthehe NNationation (“SPN“SPN”) earthquakeearthquake andand tsunamitsunami aarea.rea. ThisThis ssystemystem Comments by employee volunteers environment.environment. WWee nneedeed toto securesecure stablestable supportsupport throughthrough ourour corecore operationsoperations asas rolerole inin suchsuch endeavorsendeavors aandnd tthroughhrough thatthat banner,banner, aallll eemployeesmployees aandnd eexecutivesxecutives ooff thethe becamebecame ooperationalperational inin MayMay 2011.2011. in the disaster-hit areas suppliessupplies ofof energyenergy whilewhile protectingprotecting thethe a ccomprehensiveomprehensive ffinancialinancial servicesservices group.group. findfind ttheirheir wworkork rrewarding.ewarding. bankbank urgedurged eacheach ootherther ttoo rackrack ttheirheir bbrainsrains ttoo ToTo ddate,ate, volunteersvolunteers hhaveave bbeeneen rrecruitedecruited nnotot ・I wwasas nnotot reallyreally ableable toto appreciateappreciate thethe environment.environment. WithWith resources,resources, eenergynergy andand Kunibe: MMr.r. AAndondo ppointedointed ooutut thatthat Kunibe: I wwishish tthehe ssameame fforor SSMBC.MBC. I wwantant comecome uupp wwithith wwaysays ooff ssavingaving eenergy,nergy, a ppressress- onlyonly fromfrom tthehe bbankank bbutut aalsolso ffromrom ootherther SSMFGMFG situationsituation inin thethe TohokuTohoku regionregion untiluntil I foodfood suppliessupplies dwindlingdwindling aroundaround thethe world,world, JapaneseJapanese ccompaniesompanies holdhold a llotot ofof goodgood ourour bankbank toto bebe a vibrantvibrant pplacelace wwherehere inging iissue,ssue, aandnd ooff supportingsupporting rreconstructioneconstruction GroupGroup ccompanies.ompanies. BasedBased onon nneedseeds iidentifieddentified actuallyactually wwentent ttherehere mmyself.yself. I wwantant toto talktalk JapanJapan ccouldould ffillill qquiteuite a llotot ooff tthehe gapsgaps technology.technology. I tthinkhink tthathat’s ttrue.rue. WWithith tthehe employeesemployees wworkork wwithith a llightight iinn ttheirheir eeyes.yes. inin thethe ddisaster-affectedisaster-affected aareas.reas. IdeasIdeas werewere byby llocalocal governmentgovernment aandnd vvolunteerolunteer ccentersenters aboutabout whatwhat I experiencedexperienced tthere,here, bbecauseecause throughthrough iitsts wworld-classorld-class energy-savingenergy-saving above-mentionedabove-mentioned ““GrowingGrowing IIndustrialndustrial I wouldwould bebe gratefulgrateful forfor aanyny gguidanceuidance iinn solicitedsolicited iinn tthehe ffollowingollowing ccategories.ategories. inin thethe aareasreas concerned,concerned, SMFGSMFG staffstaff havehave publicpublic cconcernoncern aaboutbout tthehe aaftermathftermath ooff technologies,technologies, fromfrom aair-conditioningir-conditioning ttoo ClusterCluster ProjectProject Team,”Team,” forfor eexample,xample, iiff thisthis respectrespect ffromrom Mr.Mr. AndoAndo andand expertsexperts beenbeen iinvolvednvolved iinn vvoluntaryoluntary aactivitiesctivities suchsuch 【CategoriesCategories】 thethe tsunamitsunami iiss nnowow ffading.ading. refrigeration.refrigeration. I tthinkhink ppeopleeople aarere ggoingoing ttoo technologiestechnologies aarere bbeingeing eexportedxported ttoo AAsiasia fromfrom otherother fields.fields. asas clearingclearing mmudud ffromrom rresidentialesidential aareasreas andand ・SavingSaving eenergynergy in-housein-house andand inin publicpublic ・ItIt waswas rreallyeally goodgood toto hearhear locallocal peoplepeople bebe lookinglooking ttoo JJapanapan fforor ssuchuch ttechnologies.echnologies. forfor aann iinfrastructurenfrastructure pproject,roject, bbankank concreteconcrete waterwater runoffrunoff troughstroughs alongsidealongside spacesspaces thankingthanking uuss ddirectlyirectly forfor ourour pparticipation,articipation, Kunibe: I bbelieveelieve thatthat energyenergy isis thethe mostmost employeesemployees wwillill bbee iinvolvednvolved ffromrom tthehe roads,roads, clearingclearing upup ddebris,ebris, andand cleaningcleaning aandnd ・OfferingOffering pproductsroducts aandnd sservices,ervices, andand I think.think. AlthoughAlthough I hhadad a llittleittle mmuscleuscle ppainain importantimportant thingthing governinggoverning a ccountryountry’s projectproject pplanninglanning sstage.tage. I tthinkhink tthishis iiss oonene PresidingPresiding ooverver tthehe ddiscussioniscussion wwasas restoringrestoring photographsphotographs andand otherother personalpersonal supportingsupporting rreconstructioneconstruction inin thethe fromfrom wwhathat I waswas doing,doing, I waswas movedmoved bbyy competitivenesscompetitiveness andand industrialindustrial strength.strength. ofof tthehe rrolesoles ooff a ffinancialinancial iinstitution.nstitution. Mr.Mr. EEiichiroiichiro AAdachi,dachi, RResearchesearch CChief,hief, itemsitems withwith memorabiliamemorabilia vvalue.alue. disaster-hitdisaster-hit aareasreas andand otherother contribucontribu- thesethese expressionsexpressions ofof gratitude.gratitude. I couldcould Certainly,Certainly, tthehe ttimimeframeframe isis aann iissue.ssue. WWee Ando: I tthinkhink tthathat tthehe rroleole ooff ffinancialinancial TheThe JJapanapan RResearchesearch IInstitute,nstitute, LimitedLimited InIn JJulyuly 2011,2011, overover 440000 eemployeesmployees ooff SMBCSMBC tionstions toto thethe community.community. notnot dodo muchmuch toto help,help, butbut I waswas keenlykeenly mustmust nnotot eengagengage inin short-termism,short-termism, nornor bbee institutionsinstitutions isis significant.significant. TheyThey dodo indeedindeed NikkoNikko SecuritiesSecurities — mmainlyainly 335050 nnewew hhiresires — awareaware ooff tthehe importanceimportance ofof everybodyeverybody self-serving,self-serving, bbutut shouldshould devisedevise eenergynergy havehave thethe powerpower ttoo ggetet thingsthings moving,moving, aandnd ThreeThree weeksweeks aafterfter thethe startstart ofof thethe campaign,campaign, werewere divideddivided iintonto threethree teams,teams, eacheach ofof whichwhich contributingcontributing a littlelittle forfor thethe greatergreater ggood.ood. strategiesstrategies forfor tthehe ffutureuture nneedseeds ooff ssocietyociety itit isis a veryvery greatgreat power.power. overover 33,000,000 iideasdeas aandnd ssuggestionsuggestions hhadad bbeeneen spentspent oneone toto threethree weeksweeks onon volunteervolunteer

07 CSR REPORT 2011 CSR REPORT 2011 08 AsAs oneone ooff JJapaapan’s lleadingeading ffinancialinancial sserviceservices ggroups,roups, thethe SSMFGMFG GGrouproup iiss ttakingaking tthehe lleadead iinn aaggressivelyggressively aaddressingddressing tthehe ffourour ppriorityriority iissuesssues Priority Issues for Us wewe hhaveave iidentifieddentified aass ssignificantlyignificantly iimpactingmpacting tthehe nnation.ation.

Measures for Japan’s regeneration

Reconstruction Ensuring peace of mind for the future after the earthquake Shrinking and aging population

Currently,Currently, tthehe pproportionroportion ofof peoplepeople agedaged 6565 oror overover iinn JJapanapan hashas reachedreached 223.4%*.3.4%*. SSMFGMFG wwillill helphelp ccreatereate and tsunami frameworksframeworks eenablingnabling tthehe eelderlylderly ttoo eenjoynjoy a vvibrantibrant llifestifestyleyle wwithith peacepeace ofof mind,mind, throughthrough ssupportupport fforor life-cyclelife-cycle TheThe MarchMarch 1111 earthquakeearthquake andand tsunamitsunami (The(The GrGreateat EastEast JapanJapan Earthquake)Earthquake) underminedundermined powerpower planningplanning aandnd ootherther mmeasures.easures. TThehe SSMFGMFG GGrouproup aaimsims ttoo ccreareatete systemssystems andand a corporatecorporate cultureculture thatthat fosterfoster a soundsound generationgeneration ccapacityapacity aandnd sseveredevered manufacturingmanufacturing supplysupply cchainshains aacrosscross tthehe nnation.ation. TThishis wwasas iinn aadditionddition balancebalance betweenbetween workwork andand carecare needs,needs, givengiven thatthat manymany grgrooupup eemployeesmployees wwillill laterlater needneed ttoo nursenurse aailingiling rrelatives.elatives. toto thethe severesevere damagedamage sustainedsustained byby agricultureagriculture aandnd ffisheriesisheries iinn tthehe NNortheast.ortheast. *Estimates by the Statistics Bureau, Ministry of Internal Affairs and Communications (October 1, 2011) TheThe disasterdisaster aalsolso threwthrew intointo reliefrelief manymany socialsocial issuesissues facingfacing thethe nation.nation. ByBy leveragingleveraging ourour rolerole aass a lleadingeading ffinancialinancial sserviceservices ggroup,roup, wwee aarere ccommittingommitting oourur ffullull rrangeange ooff rresourcesesources toto dealingdealing withwith thethe Further measures needed

enormousenormous tasktask ofof regionalregional reconstructionreconstruction afterafter thethe earthquake,earthquake, inin partnershippartnership withwith stakeholdersstakeholders ● SupportSupport businessesbusinesses involvedinvolved iinn hhealth,ealth, mmedicaledical aandnd includingincluding eenterprises,nterprises, locallocal governmentsgovernments andand non-profitnon-profit organizations.organizations. nursingnursing carecare ● ExpandExpand rangerange ofof financialfinancial productsproducts andand servicesservices forfor thethe Further measures needed elderlyelderly (planning(planning fforor aassetsset mmanagementanagement fforor ooldld age)age) ● FosterFoster a bbetteretter wwork-lifeork-life bbalancealance ● Wide-rangingWide-ranging ffinancialinancial supportsupport forfor thethe reconstructionreconstruction ofof infrastructureinfrastructure

● OngoingOngoing ddisasterisaster recoveryrecovery aactivitiesctivities bbyy eemployeemployee vvolunteersolunteers

● ComprehensiveComprehensive supportsupport forfor industrialindustrial recoveryrecovery iinn ppartnershipartnership wwithith locallocal governmentsgovernments aandnd BesshiBesshi ccopperopper mmineine iinn tthehe MMeijieiji eraera AndAnd todaytoday financialfinancial institutionsinstitutions inin thethe disaster-affecteddisaster-affected areasareas

MitsuiMitsui CCharityharity HospitalHospital atat itsits establishmentestablishment

Symbiosis and diversity Creating systems for sustainability Global challenges Environmental measures InIn anticipationanticipation ofof furtherfurther globalglobal expansion,expansion, thethe SMFGSMFG GroupGroup isis aggressivelyaggressively iinternationalizingnternationalizing iitsts operationsoperations bothboth inin JapanJapan andand overseas.overseas. InitiativeInitiatives includeinclude aggressiveaggressive developmentdevelopment ofof advisoryadvisory TheThe SSMFGMFG GGrouproup hhasas ppositionedositioned eenvironmentalnvironmental bbusinessesusinesses aass aann areaarea wherewhere itit cancan mostmost effectivelyeffectively servicesservices forfor infrastructureinfrastructure upgradesupgrades inin emergiemerginngg eeconomies,conomies, a cross-departmentalcross-departmental endeavor,endeavor, leverageleverage iitsts rroleole aass a lleadingeading ffinancialinancial sserviceservices ggroup.roup. TThishis iiss a ppriorityriority ffieldield fforor tthehe ffuture.uture. asas wellwell asas contributionscontributions toto thethe internationalinternational communitycommunity andand thethe environmentalenvironmental business,business, chieflychiefly MeasuresMeasures areare beingbeing steppedstepped upup onon a rangerange ooff frontsfronts — notnot onlyonly involvinginvolving a low-carbonlow-carbon society,society, bbutut throughthrough branchesbranches aandnd rrepresentativeepresentative oofficesffices ooverseas.verseas. alsoalso ddealingealing wwithith issuesissues ssuchuch aass wwaterater ssupply,upply, ssoiloil ccontamination,ontamination, eenergynergy aandnd bbiodiversity.iodiversity. WWee aaimim ttoo WeWe wwillill continuecontinue toto discussdiscuss andand reviewreview variousvarious approachesapproaches toto issuesissues facingfacing thethe internationalinternational contributecontribute toto sustainablesustainable developmentdevelopment byby supportingsupporting thethe wworldwideorldwide aadoptiondoption ofof Japan’sJapan’s much-admiredmuch-admired communitycommunity ssoo aass ttoo buildbuild upup ttrustrust iinternationallynternationally asas a globalglobal player.player. technologicaltechnological bbreakthroughs,reakthroughs, wwithith a pparticulararticular focusfocus onon thethe AsianAsian region.region. InIn tthehe ppast,ast, tthehe SSumitomoumitomo GGrouproup undertookundertook large-scalelarge-scale afforestationafforestation programsprograms toto solvesolve thethe problemproblem ooff pollutionpollution aroundaround thethe BesshiBesshi coppercopper Further measures needed Further measures needed mine,mine, whilewhile thethe MMitsuiitsui GGrouproup setset upup thethe MMitsuiitsui MMemorialemorial HHospitalospital toto givegive thethe poorestpoorest iinn ssocietyociety aaccessccess ttoo basicbasic mmedicaledical care.care. BasedBased oonn thisthis ● ShareShare expertiseexpertise inin corporatecorporate socialsocial responsibilityresponsibility ● GiveGive ffurtherurther ssupportupport fforor bbusinessesusinesses iinvolvednvolved iinn ggreenhousereenhouse ggasas corporatecorporate ssocialocial rresponsibilityesponsibility DNADNA eembeddedmbedded iinn tthehe bbusinessusiness withwith tthehe iinternationalnternational communitycommunity reduction,reduction, waterwater supply,supply, newnew energyenergy andand resourceresource initiativesinitiatives philosophiesphilosophies ooff bbothoth tthehe SSumitomoumitomo andand MMitsuiitsui ggroupsroups overover thethe 400400 ● ImproveImprove ffinancialinancial servicesservices inin ppreparationreparation forfor tthehe ● DoDo mmoreore toto safeguardsafeguard biodiversity,biodiversity, inin ourour capacitycapacity asas a globalizationglobalization ofof operationsoperations inin JapanJapan (multilingual(multilingual financialfinancial iinstitutionnstitution yearsyears ofof theirtheir existence,existence, wewe willwill continuecontinue toto playplay ourour partpart inin solvingsolving support)support) ● ShareShare oourur informationinformation assetsassets andand know-howknow-how globallyglobally inin thethe problemsproblems facingfacing thethe internationalinternational communitycommunity throughthrough ourour financialfinancial ● PromotePromote diversitydiversity environmentalenvironmental bbusinessusiness serviceservice operations.operations.

09 CSR REPORT 2011 CSR REPORT 2011 10 Key points of CSR activities

TheThe ffocusocus ooff thethe GroupGroup’s CCSRSR aactivitiesctivities isis toto offeroffer thethe mostmost valuevalue SMFG CSR Values forfor ourour fourfour majormajor sstakeholdertakeholder ggroupsroups bbasedased oonn soundsound mmanagement,anagement, aandnd wwee sshallhall sstrivetrive ttoo uultimatelyltimately Contributing to the Sustainable Development of Society Our Mission and CSR at SMFG contributecontribute toto thethe sustainablesustainable developmentdevelopment ofof societysociety asas a whole.whole. Customers Shareholders The Environment Employees ● We shall endeavor to develop and prosper with our customers by and the Market and Society offering top-quality, highly-valued products and services. Our Mission ● We shall engage in solid management by disclosing appropriate CSR Group Initiatives information and developing our internal control system in an effort to maximize our shareholders’ value. Highly-valued Social and Corporate culture • TToo pproviderovide ooptimumptimum aaddeddded vvaluealue ttoo oourur ccustomersustomers aandnd ttogetherogether wwithith tthemhem aachievechieve ggrowthrowth Sound community activities ● We shall contribute to society and preserve the natural environ- products and Management and environmental respecting • TToo ccreatereate sustainablesustainable shareholdershareholder valuevalue throughthrough businessbusiness growthgrowth ment by continuously and proactively implementing initiatives services activities the individual including social and environmental activities. • ToTo provideprovide a cchallenginghallenging andand professionallyprofessionally rewardingrewarding workwork eenvironmentnvironment fforor oourur ddedicatededicated eemployeesmployees Solid Management Structure ● We shall foster a free and active business environment which (corporate governance, internal controls, compliance, respects individuals and allows each employee to realize his or her risk management, information disclosure, etc.) full potential. SMFG’s Definition of CSR

InIn thethe conductconduct ofof itsits businessbusiness aactivities,ctivities, SSMFGMFG ffulfillsulfills iitsts ssocialocial rresponsibilitiesesponsibilities byby contributingcontributing ttoo Management approach for target achievement thethe sustainablesustainable ddevelopmentevelopment ooff ssocietyociety aass a wwholehole tthroughhrough oofferingffering hhigherigher aaddeddded vvaluealue ttoo WeWe havehave eestablishedstablished tthehe GGrouproup CCSRSR CCommittee,ommittee, aadministereddministered bbyy tthehe GGrouproup CCSRSR DDepartment,epartment, (i)(i) customers,customers, (ii)(ii) shareholdersshareholders andand thethe market,market, (iii)(iii) thethe environmentenvironment andand society,society, andand (iv)(iv) employees.employees. toto assessassess thethe CSRCSR implementationimplementation pplanslans ooff thethe wholewhole GGroup,roup, aandnd mmanageanage pprogress.rogress. Specifically,Specifically, ddepartmentsepartments aarere aassignedssigned rresponsibilityesponsibility fforor eacheach ttarget,arget, andand thethe GroupGroup CSRCSR DepartmentDepartment andand assignedassigned departmentsdepartments jjoointlyintly conductconduct annualannual rreviewseviews ooff progressprogress mademade iinn thesethese initiatives.initiatives. TheThe resultsresults ofof thesethese reviewsreviews areare reportedreported toto thethe GroupGroup CSRCSR CommitCommittee.tee. TheThe GroupGroup CCSRSR DDepartmentepartment andand assignedassigned ddepaepartmentsrtments aalsolso cconductonduct a jjointoint eexaminationxamination ooff pplanslans fforor tthehe ffollowingollowing financialfinancial yyear,ear, Common SMFG CSR Philosophy: Business Ethics thethe ffindingsindings ooff whichwhich areare subsequentlysubsequently aassessedssessed byby thethe GroupGroup CSRCSR Committee.Committee. InIn tthishis wway,ay, wwee uusese thethe PDCAPDCA cyclecycle iinn oourur CCSRSR iinitiatives.nitiatives. Satisfactory WeWe intendintend ttoo bbee a ffinancialinancial servicesservices groupgroup thatthat hashas thethe completecomplete trusttrust andand supportsupport ofof SMFG CSR promotion structure CSR activities and the PDCA cycle ourour customers.customers. ForFor thisthis purpose,purpose, wewe willwill aalwayslways pproviderovide sserviceservices tthathat mmeeteet thethe truetrue 1. Customer Services needsneeds ofof ourour customerscustomers toto assureassure theirtheir satisfactionsatisfaction andand earnearn confidenceconfidence inin thethe Group.Group. Group CSR Committee Board of Directors Our Mission Chairman: Director in charge of SMFG Basic CSR Policy WeWe intendintend toto bebe a financialfinancial servicesservices groupgroup thatthat maintainsmaintains fair,fair, transparent,transparent, andand soundsound Corporate Planning Department Management Committee Committee members: General Managers of SMFG, (Business Ethics) managementmanagement bbasedased oonn tthehe pprinciplerinciple ooff sself-responsibility.elf-responsibility. FForor tthishis ppurpose,urpose, aalonglong wwithith Sumitomo Mitsui Banking Corporation, earningearning tthehe ffirmirm cconfidenceonfidence ooff oourur sshareholders,hareholders, ourour customers,customers, andand thethe generalgeneral public,public, SMFG Card & Credit, Sumitomo Mitsui Card, Sound Management Cedyna, Sumitomo Mitsui Finance and Leasing, 2. wewe ttakeake a llong-termong-term vviewiew ooff oourur bbusinessusiness aandnd ooperateperate iitt eefficiently,fficiently, aandnd aactivelyctively ddiscloseisclose Promoting CSR through The Japan Research Institute, Corporation Banking Mitsui Sumitomo Inc. & Credit, Card SMFG Ltd. Co., Leasing and Finance Mitsui Sumitomo Institute Limited The Japan Research Co., Ltd. Securities Friend SMBC core operations accurateaccurate businessbusiness informationinformation aboutabout thethe Group.Group. ThroughThrough thesethese activities,activities, wewe workwork toto SMBC Friend Securities, SMBC Nikko Securities, maintainmaintain ccontinuedontinued ggrowthrowth bbasedased oonn a ssoundound ffinancialinancial pposition.osition. THE MINATO and Customers Plan Kansai Urban Banking Corporation Administered by: Group CSR Department of SMFG Shareholders and the Market Do WeWe iintendntend ttoo bbee a ffinancialinancial servicesservices groupgroup thatthat contributescontributes toto thethe healthyhealthy developmentdevelopment Strategic advisor: ofof ssociety.ociety. FForor tthishis purpose,purpose, wewe recognizerecognize tthehe iimportancemportance ooff oourur mmissionission ttoo sserveerve aass a JRI Center for the Strategy of Emergence The Environment and Society Check Contributing to crucialcrucial partpart ofof thethe publicpublic infrastructureinfrastructure andand alsoalso ourour socialsocial responsibilities.responsibilities. WithWith suchsuch Employees Act 3. Social Development recognition,recognition, wwee uundertakendertake bbusinessusiness ooperationsperations tthathat ccontributeontribute toto thethe steadysteady CSR Liaison Committee developmentdevelopment ooff JJapanapan aandnd tthehe rrestest ooff tthehe wworld,orld, aandnd eendeavor,ndeavor, aass a ggoodood ccorporateorporate citizen,citizen, toto mmakeake a ppositiveositive contributioncontribution ttoo ssociety.ociety. Participation in global initiatives WeWe iintendntend ttoo bbee a ffinancialinancial servicesservices groupgroup forfor whichwhich allall officersofficers andand employeesemployees workwork Free and Active withwith pridepride andand commitment.commitment. ForFor thisthis purpose,purpose, wewe respectrespect peoplepeople andand developdevelop RecentRecent yearsyears havehave seenseen a growinggrowing rrangeange ooff iinternationalnternational iinitiativesnitiatives ttoo dealdeal wwithith threatsthreats toto thethe sustainabilitysustainability ofof thethe globalglobal enenvironment.vironment. 4. AsAs a globalglobal citizen,citizen, tthehe SMFGSMFG Group,Group, mmindfulindful ooff itsits societalsocietal influenceinfluence asas a financialfinancial iinstitution,nstitution, ffollowsollows thethe guidelinesguidelines aandnd principlesrinciples ooff Business Environment employeesemployees wwithith eextensivextensive pprofessionalrofessional knowledgeknowledge andand capabilities,capabilities, therebythereby creatingcreating a freefree andand activeactive businessbusiness environment.environment. thethe ffollowingollowing iinitiativesnitiatives aandnd oorganizations:rganizations:

WeWe iintendntend toto bebe a financialfinancial servicesservices groupgroup thatthat alwaysalways keepskeeps inin mindmind thethe importanceimportance ofof United Nations The United Nations Environment Carbon Disclosure Project Equator Principles compliance.compliance. FForor tthishis ppurpose,urpose, wwee rreflecteflect oourur aawarenesswareness ooff BBusinessusiness EEthicsthics iinn oourur bbusinessusiness Global Compact Programme Finance Initiative (UNEP FI) (CDP) Compliance activitiesactivities atat allall times.times. InIn addition,addition, wewe respondrespond promptlypromptly toto directivesdirectives fromfrom auditorsauditors andand The 10 principles advocated by The global partnership between the UNEP and An initiative to measure, manage A set of guiding principles for man- 5. the United Nations in the areas of financial institutions who are signatories to the and alleviate climate change by aging social and environmental inspectors.inspectors. ThroughThrough thesethese actions,actions, wewe observeobserve allall lawslaws andand regulations,regulations, andand upholduphold moralmoral human rights, labor standards, the UNEP FI Statements seeks to identify, promote, and encouraging sustained dialog issues in project finance, based on standardsstandards inin oourur bbusinessusiness ppractices.ractices. environment, and anti-corruption ensure best environmental and sustainability prac- with institutional investors and the guidelines of the International measures tice at all operational levels of financial institutions business leaders on this issue Finance Corporation (IFC)

11 CSR REPORT 2011 CSR REPORT 2011 12 Sumitomo Mitsui Financial Group CSR Report For further details, please see our website.

Specific Examples of CSR Activities New queue-number display system installed at bank counters Colors and special designs are used to make Together with Our Customers queue-number displays more visible to all customers (The Minato Bank)

We work as a team to improve customer satisfaction and product quality, and, while supporting the customer, contribute to the sustainable development of society as a whole.

TheThe SSMBCMBC FFoodood andand AgriculturalAgricultural AssessmentAssessment A furtherfurther mmeasureeasure iiss iinstallationnstallation ofof handheldhandheld LoanLoan comescomes withwith conditions,conditions, dependingdepending onon Making banking hearinghearing supportsupport ddevicesevices aatt allall branchesbranches thethe rresultsesults ofof anan evaluationevaluation ofof food-producers’food-producers’ a more pleasant experience (except(except hhousingousing lloanoan ppromotionromotion ooffices),ffices), toto progressprogress inin areasareas suchsuch asas foodfood safetysafety andand for all customers allayallay tthehe cconcernsoncerns ooff hearing-impairedhearing-impaired environment-friendliness,environment-friendliness, hhealthinessealthiness aandnd customerscustomers wwhoho ffindind itit ddifficultifficult toto converseconverse nutritionalnutritional vvalue,alue, aandnd eefficiencyfficiency ooff ddistribution.istribution. WithWith thethe old-ageold-age ddependencyependency rratioatio ssoaring,oaring, andand followfollow sspokenpoken iinstructions.nstructions. ByBy usingusing thethe TheThe JJapanapan RResearchesearch InstituteInstitute researchesresearches thethe SMFGSMFG GroupGroup aaimsims ttoo provideprovide ffriendly,riendly, devicesdevices asas communicationcommunication tools,tools, bankbank

measuresme a s u r e s iinn ttheh e easy-to-useeasy-to-use bankingbanking servicesservices forfor allall itsits employeesemployees cancan respectrespect customercustomer privacyprivacy Telephone handset-type ATM areasareas ofof foodfood andand customers.customers. andand dodo notnot havehave toto talktalk loudly.loudly. (The Minato Bank) farmingfarming beingbeing takentaken SomeSome GroupGroup ccompaniesompanies areare likewiselikewise makingmaking FurtherFurther mmeasureseasures includeinclude ppostingosting ooff “green“green byby tthehe loanloan applicant,applicant, theirtheir facilitiesfacilities barrier-freebarrier-free atat bankbank branchesbranches ear”ear” logoslogos atat branchesbranches toto reassurereassure customerscustomers ButBut iinn rrecentecent years,years, consumersconsumers havehave comecome toto andand draftsdrafts a simplesimple withwith largelarge numbersnumbers ooff ccustomers,ustomers, ttoo ttailorailor thatthat thethe bankbank hashas facilitiesfacilities forfor conversingconversing Preparing our businesses The financial sector’s role in placeplace mmoreore ppriorityriority oonn ffactorsactors ootherther tthanhan “diagnosis”“diagnosis” sstatingtating servicesservices toto thethe needsneeds ofof allall customers.customers. inin writing.writing. AllAll branchesbranches areare beingbeing equippedequipped for a higher old-age improving the nation’s diet and volumevolume aandnd pprice,rice, ssuchuch aass ffoodood ssafetyafety aandnd whetherwhether ttherehere iiss rroomoom ForFor exampleexample aatt tthehe MMinatoinato Bank,Bank, wewe havehave withwith whitewhite boardsboards andand specialspecial messagemessage dependency ratio in strengthening the agricultural healthiness,healthiness, andand thethe culturalcultural aaspectsspects ofof diet.diet. forfor futurefuture improvement.improvement. ErnstErnst & YoungYoung equippedequipped aallll AATMsTMs aatt allall ourour bbranchesranches aandnd tabletsablets fforor ddialogueialogue wwithith ccustomersustomers wwhoho AsAs ddiscussioniscussion ccontinuesontinues onon thethe needneed fforor ShinNihonShinNihon LLCLLC providesprovides eexpertxpert oopinionspinions oonn cashpointscashpoints wwithith vvoice-guidanceoice-guidance hhandsetsandsets fforor havehave cconcernsoncerns aboutabout theirtheir hearinghearing andand whowho InIn aadditionddition ttoo rremovingemoving mmobilityobility bbarriersarriers aatt and fisheries sectors farmersfarmers ttoo increaseincrease productionproduction scalescale andand ongoingongoing improvementimprovement ooff thisthis system.system. thethe visuallyvisually impaired.impaired. dislikedislike wwrittenritten conversations.conversations. branches,branches, thethe bankbank plansplans ttoo aggressivelyaggressively ForFor mmanyany yyears,ears, foodfood supplysupply nnetworksetworks iinn movemove iintonto pprocessingrocessing aandnd marketing,marketing, mmajorajor ByBy bbackingacking ccustomerustomer ccompanies’ompanies’ oownwn InIn addition,addition, wwee hhaveave ssetet uupp ppriorityriority sseatingeating supportsupport iinstallationnstallation ooff facilitiesfacilities neededneeded ttoo JapanJapan werewere premisedpremised onon massmass productionproduction andand changeschanges areare underwayunderway inin thethe agricultureagriculture aandnd initiativesinitiatives inin thethe areasareas ofof foodfood andand agricultureagriculture inin tthehe llobbyobby ooff eacheach ooff ourour branchesbranches fforor copecope withwith thethe rapidlyrapidly risingrising old-ageold-age massmass cconsumption,onsumption, enablingenabling thethe countrycountry toto fisheriesfisheries ssectorector inin Japan.Japan. inin thisthis wway,ay, SSMBCMBC wwillill bebe supportingsupporting mmeasureseasures customerscustomers wwhoho aarere vveryery ooldld oorr wwhoho havehave Peace of mind dependencydependency rratio.atio. AAss a ffirstirst sstep,tep, SSMBCMBC meetmeet ssoaringoaring ffoodood ddemandemand aatt a ttimeime ooff rrapidapid AgainstAgainst thisthis backdrop,backdrop, SSMBCMBC hhasas ddevelopedeveloped toto improveimprove tthehe ddietiet ooff thethe JJapaneseapanese andand mobilitymobility pproblems.roblems. WWee aarere alsoalso steadilysteadily at the bank counter hashas eestablishedstablished clearclear guidelinesguidelines fforor growthgrowth iinn tthehe ppopulationopulation andand economy.economy. a newnew ffinancialinancial pproductroduct fforor tthishis ssector.ector. strengthenstrengthen thethe agricultureagriculture aandnd ffisheriesisheries ssector.ector. introducingintroducing qqueue-numberueue-number displaysdisplays usingusing supportingsupporting tthehe cconstructiononstruction ooff rentalrental ColorColor UniversalUniversal DesignDesign (CUD)(CUD) principles,principles, TheThe MMinatoinato BankBank hashas ccreatedreated a positionposition housinghousing forfor thethe elderly,elderly, eexpectedxpected ttoo bbee a Roundtable session: SMBC Food and Agricultural Assessment Loan For further details, please see our website. whichwhich aarere easiereasier ttoo readread forfor customerscustomers wwithith titledtitled “Service“Service CareCare Manager”Manager” aatt eeachach ooff futurefuture growthgrowth area.area. A roundtable session with experts held in August 2011 Key comments of participants eyesighteyesight cconcerns.oncerns. itsits branches,branches, filledfilled byby atat leastleast oneone branchbranch WhileWhile ccontinuingontinuing toto tailortailor businessbusiness considered the role of the new SMBC Food and Agricultural Katsutoshi Konuma, Section Manager, Social & Environmental Management, Ltd. managerialmanagerial sstaffer,taffer, aass ppartart ooff mmeasureseasures ttoo activitiesactivities toto thethe needsneeds ofof thethe communitycommunity atat Assessment Loan in improving the food supply chain that “We want to deliver value by creating demand and quality combined with safety, peace makemake bbranchranch vvisitsisits mmoreore ppleasantleasant fforor largelarge aandnd eensuringnsuring a ffriendlyriendly bankingbanking links food and fishery producers with food processors and of mind and trust.” Yasuhiro Nakashima Associate Professor Graduate School of Agricultural and Life Sciences, customers,customers, ffollowingollowing eearlierarlier nnuts-and-boltsuts-and-bolts environmentenvironment fforor oourur ccustomers,ustomers, tthehe SSMFGMFG consumers. Opinions were also exchanged on what other The University of Tokyo improvements.improvements. GroupGroup aalsolso pplanslans ttoo ssupportupport tthehe ccreationreation ooff future role the bank might assume in this regard, given “Eating should be something that generates emotion. New potential exists in the world of cuisine.” the current situation and issues facing the food industry Daisuke Yamamoto, Vice Senior Consultant, Research Department, ServiceService CareCare ManagersManagers aarere ddedicatededicated ttoo frameworksframeworks tthathat eenablenable tthehe eelderlylderly ttoo lliveive The Japan Research Institute, Limited improvingimproving ssupportupport aandnd sserviceservices fforor thethe activeactive llivesives wwithith ppeaceeace ooff mmind.ind. and agriculture “As consumer tastes go through a time of great change, I think it is important to in Japan. prioritize ingredients and the attitude of customers toward eating.” customercustomer aatt eeachach bbranch.ranch. TTheirheir ttrainingraining Yoichiro Fukayama, Planning Dept., Deputy Head (with powers of representation) of includesincludes ssimulationsimulations ofof thethe problemsproblems facedfaced the Corporate Banking Unit & Middle Market Banking Unit, SMBC “An important concept is multilateral dialogue as the number of parties involved in food byby personspersons wwithith ddisabilities,isabilities, aawarenesswareness production increases throughout the supply chain.” Handheld hearing support device raisingraising aandnd ssupportupport mmethodsethods forfor thethe elderlyelderly Moderated by Kenji Sawami, Partner, Ernst & Young ShinNihon LLC (The Minato Bank) andand ppersonsersons wwithith ddisabilities.isabilities.

13 CSR REPORT 2011 CSR REPORT 2011 14 Sumitomo Mitsui Financial Group CSR Report For further details, please see our website.

Specific Examples of CSR Activities

Environmental and Others: energy businesses: 23.7% 34.2% Together with Our Customers Kansai Genki Fund Investment Financing and business by sector expansion (June 30, 2011) in Asia, etc.: We believe it is important to contribute to maintenance and protection of 10.5% Name EnvironmentallyEnvironmentally RResponsibleesponsible the natural environment and the sustainable development of regional society Social contribution Harnessing the Bank of Japan’s Medical, nursing and healthcare businesses: 31.6% CompanyCompany SSupportupport FFundund through our core business, hand in hand with the customer. and donation type-cards “Fund-Provisioning Measure EnvironmentalEnvironmental FacilitiesFacilities Credit cards to Support Strengthening GenkiGenki FFundund iiss uusedsed toto helphelp customerscustomers ddevelopevelop SupportSupport FFundund The “Chikyuni Yasashii Card” Size of fund ¥50¥50 billionbillion the Foundations a wwideide rrangeange ooff bbusinesses.usinesses. TThehe bbankank wwillill Cedyna’s continuecontinue toto playplay itsits rolerole aass a rregionalegional financialfinancial TThehe fundfund supportssupports companiescompanies for Economic Growth” Outline social contribution and institutioninstitution dedicateddedicated toto supportingsupporting customerscustomers withwith environmentally-awareenvironmentally-aware managementsmanagements oorr involvementinvolvement iinn Kansai Genki Fund: thatthat showshow originalityoriginality andand energyenergy inin helpinghelping donation type-card environmentalenvironmental bbusinessesusinesses A helping hand for the regional economy developdevelop tthehe KKansaiansai eeconomy.conomy. “Chikyuni Yasashii Card” KansaiKansai UUrbanrban BankingBanking CCorporationorporation hashas Name ChinaChina BBusinessusiness SSupportupport FFundund Name KansaiKansai GGenkienki FFundund FiscalFiscal 22011011 iiss tthehe 220th0th aanniversarynniversary ooff thethe launchedlaunched a ssupportupport iinitiativenitiative ttoo bbootoot uupp Size of fund ¥50¥50 billionbillion “Chikyuni“Chikyuni YYasashiiasashii Card,”Card,” a socialsocial contributioncontribution next-generationnext-generation industries.industries. MMarketingarketing tteamseams Size of fund ¥50¥50 bbillionillion Outline TThehe fundfund supportssupports forfor companiescompanies andand donation-typedonation-type creditcredit cardcard launchedlaunched bbyy withwith specialistsspecialists inin fieldsfields ssuchuch aass mmedicaledical aandnd Outline SupportSupport forfor companiescompanies ccreatingreating consideringconsidering movingmoving intointo CChina,hina, oorr CedynaCedyna inin 1991.1991. DonationsDonations mademade throughthrough nursingnursing ccare,are, aandnd eenvironmentnvironment aandnd eenergynergy growthgrowth pplatformslatforms iinn ffieldsields ssuchuch expandingexpanding ttheirheir bbusinessusiness ttherehere asas mmedicaledical aandnd nursingnursing ccare,are, thethe cardcard totaledtotaled ooverver ¥500¥500 millionmillion bbyy 2006,2006, businessesbusinesses hhaveave bbeeneen aassignedssigned ttoo tthehe hheadead environmentalenvironmental aandnd eenergynergy ttechech- andand aarere expectedexpected toto surpasssurpass ¥600¥600 millionmillion office.office. nologies,nologies, andand businessesbusinesses inin AAsiasia inin tthehe ccomingoming ffiscaliscal yyear—aear—a tributetribute toto thethe ToTo strengthenstrengthen tthesehese measures,measures, itit setset upup thethe generositygenerosity ooff ccardholders.ardholders. KansaiKansai GenkiGenki FFundund iinn SSeptembereptember 2010,2010, tappingtapping Financial education “Chikyuni“Chikyuni YYasashiiasashii CCards”ards” ffallall iintonto 1414 thethe BBankank ooff JJapanapan’s “Fund-supply“Fund-supply measuremeasure ttoo Promoting environmentally-aware through teaching of categories,categories, basedbased onon a globalglobal environmentalenvironmental supportsupport sstrengtheningtrengthening tthehe ffoundationsoundations fforor management and supporting business investment skills protectionprotection theme.theme. TheseThese rangerange fromfrom majormajor Cedyna issues other social economiceconomic growth”growth” loanloan program.program. TheThe bankbank ventures in China through the fund issuesissues aaffectingffecting thethe entireentire planet,planet, suchsuch aass contribution and respondsresponds proactivelyproactively toto fundingfunding demanddemand InIn tthehe past,past, SMBCSMBC alsoalso workedworked toto provideprovide SMBCSMBC FFriendriend SSecuritiesecurities runsruns anan onlineonline globalglobal warmingwarming andand ozoneozone layerlayer pprotection,rotection, donation-type credit cards fromfrom locallocal ccompaniesompanies wwishingishing ttoo expandexpand fundingfunding ttoo thethe supportsupport ccreationreation ooff platformsplatforms educationeducation program,program, ““YouYou･YouYou Toshi”Toshi” toto specificspecific campaignscampaigns fforor designateddesignated intointo aareasreas suchsuch asas medicalmedical aandnd nursingnursing ccare,are, forfor growthgrowth inin Japan.Japan. Now,Now, workingworking throughthrough (Self-composed(Self-composed Investment),Investment), fforor inexperiinexperi- environmentsenvironments aandnd eecosystemscosystems (turtle(turtle andand InIn alliancealliance withwith TezukaTezuka PProductions,roductions, wewe environmentenvironment aandnd eenergynergy technologies,technologies, andand thethe BBankank ooff Japan’sJapan’s “Fund-supply“Fund-supply measuremeasure encedenced iinvestors.nvestors. dragonflydragonfly ssanctuaryanctuary protectionprotection programs).programs). issueissue tthehe ATOMATOM Card,Card, underunder pprogramsrograms AXU,”AXU,” a nnewew kkindind ooff ppremiumremium ccreditredit ccardard Asia-relatedAsia-related bbusinesses,usinesses, onon a prioritypriority basis.basis. toto supportsupport strengtheningstrengthening tthehe ffoundationsoundations TheThe serviceservice isis freefree andand includesincludes a trainingtraining CardholdersCardholders cchoosehoose ccategoriesategories ooff iinterestnterest titledtitled ““RealizingRealizing cchildrenhildren’s dreams”dreams” aandnd thatthat opensopens thethe doordoor toto a higher-quality,higher-quality, AsAs ofof JuneJune 30,30, 2011,2011, loansloans totalingtotaling ¥8.8¥8.8 billionbillion forfor economiceconomic growth”growth” loanloan program,program, itit programprogram tthathat ccanan bbee uusedsed asas a tooltool forfor tot o tthemh em whenw h e n “Seeking“Seeking wwaysays ttoo buildbuild a brighterbrighter ffutureuture fforor moremore naturalnatural lifestyle.lifestyle. HoldersHolders ooff thethe hadhad bbeeneen mmadeade ffromrom tthehe KKansaiansai GGenkienki FFundund hashas eestablishedstablished tthehe EEnvironmentallynvironmentally lifelonglifelong sstudytudy ooff investmentinvestment sskills.kills. theythey subscribe.subscribe. children.”children.” UUsagesage ttermserms aarere ssimilarimilar ttoo thosethose “Cedyna“Cedyna CardCard AXU,”AXU,” thethe namename ofof soundssounds forfor 3838 projects,projects, ooff whichwhich 776.3%6.3% fellfell iintonto tthehe ResponsibleResponsible CompanyCompany SupportSupport FundFund andand MerelyMerely byby usingusing ofof thethe ATOMATOM Card.Card. DonationsDonations areare mademade ttoo likelike tthehe JJapaneseapanese forfor “shake“shake hands,”hands,” andand aboveabove tthreehree ppriorityriority ccategories.ategories. TheThe KansaiKansai thethe EnvironmentalEnvironmental FacilitiesFacilities SupportSupport thist h i s ccarda r d fforo r organizationsorganizations thatthat endorseendorse tthesehese ccauses.auses. refersrefers toto thethe linkslinks amongamong people,people, betweenbetween Fund,Fund, iinn ssupportupport ooff ccompaniesompanies wwithith activitiesac t ivi t ie s llikeike ContributionsContributions havehave beenbeen made,made, tthroughhrough tthehe peoplepeople andand societysociety aandnd bbetweenetween ppeopleeople environmentally-consciousenvironmentally-conscious managements,managements, ChoosingChoosing ccausesauses ttoo ssupport,upport, dailydaily shoppingshopping JapanJapan NationalNational CouncilCouncil ooff PProtectiverotective CareCare andand ourour pplanetlanet EEarth,arth, ggetet eeco-resortco-resort andand andand whichwhich iinvestnvest inin environmentalenvironmental ffacilities.acilities. suchsuch asas protectingprotecting turtlesturtles andand ddiningining oout,ut, HomesHomes fforor Children,Children, ttoo cchildrenhildren iinn oorphanagesrphanages environmentalenvironmental pproductroduct uupdates.pdates. TheyThey cancan GivenGiven tthehe wwaveave ooff JJapaneseapanese companiescompanies cardholderscardholders ccanan ccontributeontribute toto a rangerange ofof inin ddisaster-hitisaster-hit areasareas (beneficiaries(beneficiaries areare notnot contributecontribute toto environmentalenvironmental protectionprotection byby settingsetting upup ooperationsperations iinn CChinahina’s ffast-growingast-growing environmentenvironment ppreservationreservation oorganizationsrganizations onlyonly childrenchildren aaffectedffected bbyy tthehe GGreatreat EastEast donatingdonating toto environmentalenvironmental protectionprotection groupsgroups market,market, tthehe bbankank hashas aalsolso eestablishedstablished a ChinaChina throughthrough TThehe DDefenseefense ofof GreenGreen EarthEarth JapanJapan Earthquake).Earthquake). throughthrough CCedyna,edyna, basedbased onon sumssums spent.spent. BusinessBusiness SupportSupport FundFund toto meetmeet thethe fundingfunding

Foundation,Foundation, inin a programprogram underunder whichwhich ttheyhey InIn aanothernother aspectaspect ofof ourour environmentalenvironmental CedynaCedyna isis helpinghelping buildbuild a moremore humanistichumanistic WeWe pproviderovide ffinancinginancing ssupportupport needsneeds ooff companiescompanies thatthat planplan toto makemake newnew “You“You･YouYou Toshi”Toshi” wwebsiteebsite donatedonate 0.5%0.5% ofof sumssums spentspent usingusing thethe card.card. commitment,commitment, wwee iissuessue tthehe ““CedynaCedyna CardCard andand affluentaffluent globalglobal society.society. toto llocalocal carecare businessesbusinesses investmentsinvestments iinn ssubsidiariesubsidiaries iinn CChina.hina. (SMBC(SMBC FFriendriend Securities)Securities)

15 CSR REPORT 2011 CSR REPORT 2011 16 Sumitomo Mitsui Financial Group CSR Report For further details, please see our website.

Specific Examples of CSR Activities Keeping our shareholders Together with Our Shareholders informed Website and Markets Annual report

Contributing to the development of sounder financial markets

BasedBased onon thisthis approach,approach, SSMFGMFG ggoesoes Examples of Group disclosure activities companies’companies’ corporatecorporate socialsocial responsibilityresponsibility SRI Indexes on which SMFG is listed We aim to further beyondbeyond legallegal requirementsrequirements inin enrichingenriching iitsts Together with our investors: activities,activities, andand usesuses thethe informationinformation itit gathersgathers strengthen communication disclosuredisclosure ooff informationinformation onon managementmanagement QuarterlyQuarterly andand interiminterim financialfinancial rreports,eports, Creating a platform for toto createcreate a basicbasic filefile onon companiescompanies managingmanaging resultsresults announcements,announcements, ssecuritiesecurities with our shareholders policypolicy aandnd ooperationalperational sstrategy.trategy. TheseThese social contribution through sociallysocially rresponsibleesponsible iinvestmentnvestment ffundunds*3*3. initiativesinitiatives havehave wonwon thethe supportsupport ofof manymany reports,reports, legallegal disclosuredisclosure sstatements,tatements, regularregular publications,publications, etc.etc. and investors marketmarket participants.participants. WeWe werewere selectedselected asas the financial markets SMFGSMFG iiss ccommittedommitted toto ensuringensuring financialfinancial a wwinnerinner ooff tthehe AAwardswards fforor ExcellenceExcellence iinn WeWe bbelieveelieve tthathat thethe SMFGSMFG GroupGroup ccanan ccontributeontribute SMFG has listed AnnualAnnual aandnd iinterimnterim rreportseports ((inin JJapaneseapanese soundnesssoundness tthroughhrough aappropriateppropriate ppolicy-makingolicy-making CorporateCorporate DisclosureDisclosure forfor fiscalfiscal 20112011 byby TheThe furtherfurther ttoo tthehe ccreationreation ofof a sustainablesustainable societysociety its shares on SRI indexes andand EEnglish)nglish) andand businessbusiness ooperations.perations. AtAt thethe samesame time,time, SecuritiesSecurities AAnalystsnalysts AssociationAssociation ooff Japan.Japan. throughthrough itsits activitiesactivities iinn ffinancialinancial mmarkets.arkets. wewe ddiscloseisclose corporatecorporate informationinformation inin a ForFor example,example, SSMBCMBC FFriendriend SSecuritiesecurities mmarketsarkets SRISRI iindexesndexes aarere forfor sociallysocially responsibleresponsible InvestorInvestor briefingsbriefings ttwicewice a yyearear ・Dow Jones Sustainability Asia/Pacific Index timelytimely aandnd ppreciserecise wwayay ttoo shareholdersshareholders andand “Environmental“Environmental SustainabilitySustainability Bond”Bond” *1*1 wwhilehile investmentsinvestments iinn wwhichhich mmajorajor iinvestmentnvestment (DJSI Asia Pacific) ・Dow Jones Sustainability Asia/Pacific 40 Index markets.markets. WWee bbelieveelieve ffullull ddisclosureisclosure nnotot oonlynly SMBCSMBC NNikkoikko SecuritiesSecurities mmarketsarkets ““WBWB GGreenreen decisionsdecisions aarere bbasedased onon environmentalenvironmental andand (DJSI Asia Pacific 40) ConferencesConferences sponsoredsponsored byby securitiessecurities ・FTSE4Good Global Index *2*2 helpshelps ffosteroster a mmoreore correctcorrect understandingunderstanding companies,companies, etc.,etc., asas neededneeded BondsBonds (Green(Green Bonds)”Bonds)” . TThesehese areare bondsbonds socialsocial ffactorsactors asas wellwell asas thethe targettarget companycompany’s ・FTSE4Good Global 100 Index ・ESI（Ethibel Sustainability Index） Excellence Global andand evaluationevaluation ofof thethe Group,Group, butbut alsoalso forfor fundfund procurementprocurement tthathat aarere alsoalso intendedintended financialfinancial sstanding.tanding. SMFGSMFG’s pproactiveroactive ccorporateorporate ■Dow Jones Sustainability Index contributescontributes toto thethe developmentdevelopment ofof soundersounder Shareholders’ meeting Investor briefing OnlineOnline cconferencesonferences heldheld aass nneededeeded asas toolstools forfor contributingcontributing toto protectingprotecting andand socialsocial rresponsibilityesponsibility aactivitiesctivities hhaveave wwonon This index was jointly developed by Dow Jones of the financialfinancial mmarkets.arkets. materials materials conservingconserving tthehe ggloballobal environment.environment. FForor plauditsplaudits ffromrom tthehe mmarkets.arkets. AAss tthehe rright-handight-hand United States, and the Swiss SRI research company SAM Group. It was the first SRI index in the world. customerscustomers wwhoho wishwish toto investinvest iinn ccompaniesompanies graphicgraphic sshows,hows, SMFGSMFG isis listedlisted onon globallyglobally ■FTSE 4 Good Global Index Series thatthat contributecontribute toto a sustainablesustainable society,society, leadingeading SSRIRI iindexes.ndexes. WWee bbelieveelieve tthathat tthishis iiss The FTSE 4 Good Global Index Series was created by FTSE International Limited, a joint venture set up by wewe oofferffer a widewide rrangeange ooff ssociallyocially rresponsibleesponsible anan endorsementendorsement bbyy tthehe mmarketarket ooff tthehe GGrouroup’s the Financial Times newspaper of the United Kingdom Listing on the New York investmentinvestment vvehicles.ehicles. futurefuture corporatecorporate socialsocial responsibilityresponsibility and the Stock Exchange. ■Ethibel Sustainability Index Stock Exchange TheThe JapanJapan ResearchResearch InstituteInstitute analyzesanalyzes applicantapplicant activities.activities. An index compiled by the Belgian SRI company Ethibel

*1 In December 2010, SMBC Friend Securities sold a total of AUD25 million in “Environmental Sustainability Bond.” InIn NovemberNovember 22010,010, tthehe SSumitomoumitomo MMitsuiitsui *2 This fund is provided by SMBC Nikko Securities under the full name Bond for Contributing to Environmental Protection. FinancialFinancial GGrouproup llistedisted oonn tthehe NNewew YYorkork *3 As of the end of June 2011, approximately ¥63.5 billion in total had been invested in nine publicly offered socially responsible investment (SRI) trust funds. StockStock Exchange.Exchange. TThishis mmove,ove, wwee bbelieve,elieve, nnotot onlyonly ssignificantlyignificantly increasesincreases convenienceconvenience forfor The Group’s Principal SRI Funds (¥ million) ourour ooverseasverseas shareholdersshareholders andand investors,investors, Balance Date of opening Official name of fund Nickname Sold by at March 31, 2011 butbut aalsolso broadensbroadens oourur ccustomerustomer bbasease aass iitt Aug. 20, 1999 Nikko Eco Fund SMBC Nikko Securities 8,888 furtherfurther iincreasesncreases tthehe ttransparencyransparency ofof ourour Mar. 14, 2006 Six-Asset Balanced Fund (distribution type, growth type) Double Wing Sumitomo Mitsui Banking Corporation 1,494 financialfinancial pposition.osition. LListingisting oonn tthehe NNewew YYorkork Dec. 20, 2006 Nikko DWS New Resource Fund Rising Tomorrow SMBC Nikko Securities 31,810 StockStock ExchangeExchange aass a ssociallyocially rresponsibleesponsible Aug. 31, 2007 UBS (JP) Climate Change Fund Cool Earth SMBC Nikko Securities 12,810 corporationcorporation acceleratesaccelerates ourour eevolutionvolution iintonto a Aug. 31, 2007 DWS New Resources Technology Fund Global Shift Sumitomo Mitsui Banking Corporation 20,888 globalglobal pplayer.layer. Nikko World Trust – Nikko Green New Deal Fund Apr. 28, 2009 SMBC Nikko Securities 14,935 (JPY Non-hedged Class)/(JPY Hedged Class)

Feb. 19, 2010 SMBC Nikko World Bank Bond Fund The World Bank Green Fund SMBC Nikko Securities / Sumitomo Mitsui Banking Corporation 13,870

Jun. 30, 2010 UBS (JP) Global Smart Grid Fund SMBC Nikko Securities 1,230

17 CSR REPORT 2011 CSR REPORT 2011 18 Sumitomo Mitsui Financial Group CSR Report For further details, please see our website.

Specific Examples of CSR Activities Together with Our Employees

We are developing human resources that can take on global roles, and we are creating globalized working environments

processprocess ooff “in-house“in-house internationalization.”internationalization.” atat overseasoverseas unitsunits andand forfor regularregular employeesemployees balancebalance bbetweenetween wworkork aandnd ccareare needs.needs. Preparing human resources UnderUnder oourur ““globalglobal ccourse”ourse” program,program, newlynewly inin Japan.Japan. AAllll ooff tthesehese coursescourses areare inin EnglishEnglish Better support for carers: TheThe improvementsimprovements hhaveave tthreehree aaspects:spects: Creating support tools to take on global roles hiredhired sogoshokusogoshoku (management-track)(management-track) sstafftaff andand ffeatureeature ddiscussionsiscussions aandnd ppresentationsresentations Workplace measures to (1)(1) Care-leaveCare-leave timetime hhasas bbeeneen eextendedxtended ttoo for developing the role of areare sentsent overseasoverseas afterafter basicbasic training.training. WeWe onon resolutionresolution ofof issuesissues facedfaced byby globalglobal deal with the rising old-age oneone year;year; (2)(2) thethe timetime frameframe duringduring wwhichhich female employees FacedFaced withwith changingchanging mmarketsarkets aandnd rrisingising havehave aalsolso eexpandedxpanded humanhuman rresourceesource companies.companies. ThroughThrough suchsuch llivelyively eexchanges,xchanges, staggeredstaggered aandnd sshortenedhortened workingworking hourshours “My Story” costs,costs, manymany JJapaneseapanese companiescompanies aarere trainingtraining pprogramsrograms iinn EEnglishnglish aandnd CChinesehinese thethe aaimim isis ttoo developdevelop thethe abilityability toto deependeepen dependency ratio forfor care-givingcare-giving areare allowedallowed hashas beenbeen movingmoving ttheirheir ooperationsperations overseas.overseas. ManyMany andand atat overseasoverseas units.units. cross-culturalcross-cultural ccommunicationommunication andand cultivatecultivate InIn NNovemberovember 22010,010, tthehe bbankank eexpandedxpanded iitsts extendedextended ttoo tthreehree yyears;ears; andand (3)(3) greatergreater SMBC has surveyed approximately 1,000 largelarge ccompaniesompanies alreadyalready havehave gonegone ggloballobal ImprovementImprovement ooff languagelanguage sskillskills iinn pparticulararticular a ggloballobal outlookoutlook andand mentality.mentality. employeeemployee ccarerarer supportsupport program.program. flexibilityflexibility hashas bbeeneen iintroducedntroduced inin reductionreduction female employees on their careers and inin ttermserms ooff pproductionroduction aandnd mmarketingarketing bases,bases, isis ssomethingomething tthathat rrequiresequires ongoingongoing AtAt thethe bank,bank, wewe willwill continuecontinue measuresmeasures toto EvenEven nnow,ow, mmuchuch rremainsemains ttoo bbee ddoneone ttoo ofof workingworking hourshours fforor ccareare purposes.purposes. major events in their lives. Role models have been created based on 50 of these andand nownow mid-sizedmid-sized andand smallersmaller ccompaniesompanies commitment.commitment. FForor tthishis rreason,eason, wwee hhaveave ssetet a promotepromote globalizationglobalization goinggoing forward,forward, andand developdevelop publicpublic ssupportupport mmechanisms,echanisms, WeWe havehave aalsolso eestablishedstablished tthehe SSMBCMBC CCareare individual interviews, and presented in areare mmovingoving intointo ooverseasverseas mmarketsarkets ttoo,oo, TOEICTOEIC targettarget ofof 800800 pointspoints andand areare sendingsending createcreate systemssystems thatthat cancan provideprovide higherhigher subsidiessubsidies aandnd ootherther infrastructureinfrastructure nneededeeded ConsultationConsultation DeskDesk asas a convenientconvenient ggeneraleneral the form of book, which is distributed as a especiallyespecially inin Asia.Asia. 1,0001,000 eemployeesmployees pperer yyearear ttoo EnglishEnglish qualityquality ssupportupport ttoo ourour customers.customers. toto provideprovide aandnd eenablenable oold-ageld-age ccareare sservices.ervices. serviceservice forfor employeesemployees andand theirtheir familyfamily guide to individual women’s career paths WeWe believebelieve tthishis ttrendrend wwillill ppickick uupp sspeedpeed conversationconversation classesclasses givengiven atat speciallyspecially IfIf tthehe old-ageold-age ddependencyependency rratioatio ccontinuesontinues ttoo membersmembers cconcernedoncerned aaboutbout carecare issues.issues. and as a management aid for superiors in upup iinn tthehe ffuture.uture. AAndnd sso,o, ttoo sserviceervice tthesehese installedinstalled tteachingeaching bboothsooths aatt SSMBCMBC’s HeadHead climb,climb, wwee eexpectxpect tthehe numbernumber ooff employeesemployees InIn tthishis wway,ay, SSMBCMBC iiss ccreatingreating bbetteretter workingworking executive training. companies,companies, SMFGSMFG alsoalso needsneeds ttoo ttakeake OfficeOffice andand elsewhere.elsewhere. withwith carecare responsibilitiesresponsibilities toto increase.increase. InIn lightlight environments,environments, bbasedased onon anan understandingunderstanding measures,measures, asas a mattermatter ooff urgency,urgency, ttoo WeWe aarere alsoalso committedcommitted toto steppingstepping upup ofof this,this, wewe havehave broadenedbroadened tthehe sscopecope ofof ofof diversifyingdiversifying employeeemployee nneeds.eeds. Career development handbook for young mothers internationalizeinternationalize iitsts ooperations.perations. personnelpersonnel eexchangesxchanges wwithinithin JJapanapan aandnd wwithith ourour ssupportupport pprogramrogram toto achieveachieve a soundersounder FocusingFocusing oonn ppracticalractical languagelanguage sskillskills aandnd overseasoverseas countries.countries. ForFor example,example, wewe SMBC has compiled a career development internationalinternational awareness,awareness, SMBCSMBC isis puttingputting inin organizeorganize ““GlobalGlobal CCorporateorporate BBankeranker Training”Training” Improvements to care support system handbook covering maternity leave for all women employees wishing to strike a placeplace fframeworksrameworks ttoo ggiveive iimpetusmpetus ttoo tthehe classesclasses iinn TTokyookyo fforor fforeignoreign sstafftaff wworkingorking Before After “Global Corporate Banker Training” program better balance between work and family 93 days 1 year life. It provides pathways for mothers Total care leave (Including staggered and reduced (Excluding staggered and reduced working hours) working hours) pursuing careers, citing answers by women who have been through this Staggered and shorter 93 days 3 years in each case working hours to care for experience to questions such as “What do (Including care leave) (Excluding care leave) sick family members I need to do to return to work?” and “How do I go about arranging nursery school?” More flexible approach to Delay start of working day by one hour Offer menu of work-scheduling options daily scheduling of care or (Work six or seven hour day), with option It also includes preparatory exercises for leave End working day one hour earlier of selecting working days expectant mothers and support lectures on child-raising leave after they return to SMBC Care Consultation Desk the workplace.

Native speaker teachers For Services (1) Consultation with Public Health Nurses and other nurses, geriatric care managers and other experts SMBC employees and their family members (2) Information about care facilities (3) Care service agency (4) Other preferential services Language booths at the Head Office

19 CSR REPORT 2011 CSR REPORT 2011 20 Sumitomo Mitsui Financial Group CSR Report For further details, please see our website. Environmental Activities

Committed to supporting environmental businesses, a CSR priority, through our core businesses

A new venue for confabs: The eco japan cup: SMFG Environmental “A Contest for Unearthing Business Forum and Growing Seeds of at Eco-Products New Businesses”

TheThe Eco-ProductsEco-Products eexhibition,xhibition, heldheld eeachach SMBCSMBC jointlyjointly oorganizesrganizes thethe “eco“eco japanjapan cup,”cup,” anan December,December, isis oonene ooff JapanJapan’s llargestargest envienvi- environmentalenvironmental bbusinessusiness ccontest,ontest, ttogetherogether wwithith ronmentalronmental eexhibitions.xhibitions. UnderUnder it,it, SMFGSMFG heldheld thethe MMinistryinistry ofof thethe Environment,Environment, thethe MinistryMinistry thethe SSMFGMFG EEnvironmentalnvironmental BBusinessusiness Forum,Forum, ofof IInternalnternal AAffairsffairs andand CommuniCommunications,cations, a uniqueunique eeventvent ttoo wwhichhich tthehe wwholehole SSMFGMFG thehe MMinistryinistry ofof LLand,and, IInfrastructure,nfrastructure, TransTrans- GroupGroup ccontributed.ontributed. portport andand Tourism,Tourism, DDevelopmentevelopment BankBank ooff TheThe SSMFGMFG EEnvironmentalnvironmental BBusinessusiness ForumForum JapanJapan Inc.Inc. aandnd EnvironmentalEnvironmental BusinessBusiness enablesenables eencountersncounters aandnd iinformationnformation Women.Women. TThehe ccompetitionompetition hhasas ffourour mmajorajor Eco-Products is one of Japan’s largest comprehensive environmental exhibitions exchangeexchange iinn tthehe ffieldield ooff eenvironmentalnvironmental categoriescategories – business,business, culture,culture, lifestyle,lifestyle, andand business.business. SSMFGMFG aandnd itsits GroupGroup ccompaniesompanies policy-making.policy-making. provideprovide vvariousarious pplatforms,latforms, includingincluding businessbusiness InIn eecoco japanjapan cupcup 2010,2010, thethe “SMBC“SMBC Eco-BankingEco-Banking loadload tthroughhrough mmeasureseasures ssuchuch aass ““carboncarbon RecyclingRecycling yieldsyields aapproximatelypproximately 0.1mg0.1mg ooff rarerare fromfrom ccardsards wwithoutithout IICC cchips.hips. BBothoth ttypesypes aarere matchingmatching eevents,vents, sstandstands aandnd cataloguecatalogue OfficeOffice Prize”Prize” waswas launchedlaunched inin thethe culturalcultural Sumitomo Mitsui neutralneutral lleases”eases” ((withwith ccarbonarbon ccreditsredits aallocatedllocated earthearth productproduct perper expiredexpired card.card. pulverizedpulverized aatt tthehe ccompanyompany’s ShimuraShimura CCenterenter exhibitions,exhibitions, andand lectureslectures aandnd sseminars,eminars, division.division. EntriesEntries werewere solicitedsolicited onon creatingcreating Finance & Leasing: inin pproportionroportion toto emissionemission volumesvolumes ofof leasedleased RareRare earthsearths areare specialspecial metals,metals, unobtainableunobtainable inin TTokyookyo aandnd ssealedealed separatelyseparately inin recyclingrecycling withwith thethe aimaim ofof givinggiving newnew businessbusiness eco-friendlyeco-friendly bankbank branchesbranches throughthrough envienvi- Promoting recycling assets)assets) andand leasingleasing ofof environment-friendlyenvironment-friendly inin Japan,Japan, wwhichhich aarere eessentialssential ttoo PCs aandnd bags,bags, underunder ssupervisionupervision ooff a ccompanyompany oofficial.fficial. opportunitiesopportunities ttoo ccompaniesompanies andand otherother ronmentronment pprotectionrotection measuresmeasures includingincluding andand energy-savingenergy-saving equipment.equipment. cellphones,cellphones, electricelectric vvehiclesehicles aandnd ssolarolar ppowerower TheThe bbagsags aarere thenthen ssentent ooffff fforor processingprocessing bbyy organizationsorganizations thatthat areare consideringconsidering enteringentering advancedadvanced eenergynergy iinitiativesnitiatives andand reductionreduction and reuse Likewise,Likewise, byby tradingtrading usedused machinerymachinery aandnd generators.generators. GGiveniven tthathat JJapanapan iiss ddependentependent oonn anan outsideoutside ccompany,ompany, whichwhich aanalyzesnalyzes aandnd thethe environmentalenvironmental bbusiness,usiness, eexpandingxpanding ofof carboncarbon dioxide.dioxide. SomeSome ooff thethe prize-winningprize-winning AsAs partpart ofof itsits corecore leasingleasing operations,operations, semiconductor-semiconductor- mmanufacturinganufacturing eequipment,quipment, importsimports fforor nearlynearly itsits entireentire supply,supply, wwee bbelieveelieve purifiespurifies tthehe contentscontents aandnd tthenhen eextractsxtracts tthehe theirtheir mmarketingarketing cchannelshannels wwithinithin iit,t, oorr jjustust proposalsproposals (for(for example,example, eefficientfficient uusese ooff SumitomoSumitomo MMitsuiitsui FinanceFinance & LeasingLeasing isis SumitomoSumitomo MitsuiMitsui FinanceFinance & LeasingLeasing isis recyclingrecycling rarerare earthsearths isis a worthwhileworthwhile endeavorendeavor rarerare eearths.arths. gatheringgathering iinformation.nformation. timbertimber fromfrom forestforest thinning)thinning) havehave bbeeneen helpinghelping rreduceeduce ccustomers’ustomers’ eenvironmentalnvironmental supportingsupporting mmoreore eefficientfficient capitalcapital investmentinvestment inin ttermserms ooff nationalnational energyenergy policy.policy. * After intermediate processing, waste materials adoptedadopted atat environmenvironmeent-friendlynt-friendly mmodelodel byby iitsts ccustomers,ustomers, wwhilehile iitselftself eevolvingvolving iintonto a CardCard microcircuitsmicrocircuits tthathat havehave bbecomeecome unusableunusable other than the rare earths and the cards with branchesbranches thatthat thethe bankbank isis developing.developing. recycling-oriented,recycling-oriented, environment-friendlyenvironment-friendly duedue ttoo cchangeshanges iinn ccardard ddesignesign aarere ccollectedollected no IC chips are both sent off for final disposal, company.company. fromfrom ccardsards wwithith IICC cchips,hips, wwhichhich aarere sseparatedeparated in conformity with established procedures.

Recycling of rare earths used in smart cards Expired Analysis Rare earth credit cards Recovery and product AtAt SumitomoSumitomo MMitsuiitsui Card,Card, rrareare earthsearths with IC chips purification Base metals, alloys, ( chemical products, etc. ) extractedextracted fromfrom ICIC chipschips ffromrom eexpiredxpired creditcredit Environmental business matching Environment-friendly model branches cardscards areare recycled.recycled. Recycling and reuse of old equipment and machinery 21 CSR REPORT 2011 CSR REPORT 2011 22 Sumitomo Mitsui Financial Group CSR Report For further details, please see our website. Environmental Activities

International initiatives in Asian countries and others

20102010 ((IGEM).IGEM). AAtt thisthis eevent,vent, a kkeynoteeynote ResearchResearch Institute,Institute, SMBCSMBC andand a numbernumber ofof syssystemsems aandnd ootherther aareas.reas. Taking a leading role in speechspeech waswas givengiven byby ChairmanChairman TeisukeTeisuke otherother companiescompanies publiclypublicly rrecruitedecruited bbyy JJapanapan’s Promoting energy-saving InIn ppartnershipartnership withwith thethe GuangdongGuangdong ProvincialProvincial Support for adoption of environmental businesses Kitayama,Kitayama, aandnd SSMBCMBC aandnd SSumitomoumitomo MMitsuiitsui NewNew EEnergynergy andand IndustrialIndustrial TTechnologyechnology and low-emission DepartmentDepartment ooff ScienceScience aandnd TTechnology,echnology, tthehe electric vehicles and in Asia FinanceFinance & LLeasingeasing oopenedpened bbooths.ooths. TheThe DevelopmentDevelopment OrganizationOrganization (NEDO)(NEDO) werewere industries in China JapanJapan ResearchResearch InstituteInstitute alsoalso advisesadvises car-sharing exhibition,exhibition, vvisitedisited oonn ssuccessiveuccessive ddaysays byby jointlyjointly ccommissionedommissioned ttoo carrycarry outout basicbasic governmentgovernment ddepartmentsepartments oonn ssystemystem TheThe SMFGSMFG GroupGroup ssupportsupports eenvironmentalnvironmental MalaysiaMalaysia’s King,King, pprimerime mminister,inister, ssomeome ooff researchresearch intointo MalaysiaMalaysia’s GreenGreen TTownshipownship InIn China,China, whichwhich eemitsmits mmoreore carboncarbon dioxidedioxide establishmentestablishment fforor newnew eenergy-savingnergy-saving InIn tthehe bbattleattle aagainstgainst ggloballobal wwarming,arming, bbothoth businessesbusinesses inin thethe rapidlyrapidly growinggrowing marketsmarkets ofof thethe regionalregional KingsKings ofof Malaysia,Malaysia, andand concept,concept, a nationalnational town-planningtown-planning projectproject thanthan anyany otherother ccountry,ountry, findingfinding waysways ooff businesses.businesses. GuangdongGuangdong isis ChinaChina’s rrichestichest publicpublic aandnd pprivaterivate ssectorsectors areare facingfacing mountingmounting SoutheastSoutheast AsiaAsia ffromrom vvariousarious pperspectives.erspectives. cabinetcabinet mministers,inisters, rraisedaised aawarenesswareness ofof backedbacked bbyy NNEDO.EDO. promotingpromoting nnewew eenergy-savingnergy-saving mmeasureseasures provinceprovince byby grossgross pprovincialrovincial pproduct,roduct, aandnd pressurepressure toto curbcurb ccarbonarbon ddioxideioxide ppollutionollution ffromrom ForFor exampleexample iinn MMalaysia,alaysia, SSMBCMBC ssignedigned aann environmentalenvironmental bbusinessesusinesses iinn tthehe nnation.ation. LookingLooking ahead,ahead, SSMBCMBC pplanslans ttoo jjointlyointly andand restructuringrestructuring industryindustry havehave becomebecome herehere bothboth needsneeds andand potentialpotential inin thethe fieldfield transportation,transportation, oneone ofof thethe majormajor ssourcesources ooff operationaloperational alliancealliance onon environmentalenvironmental AtAt thethe samesame time,time, iinn AAprilpril 22011,011, tthehe bankbank’s compilecompile anan actionaction planplan withwith thethe MalaysianMalaysian pressingpressing issues.issues. ofof energy-savingenergy-saving aarere vveryery ggreat.reat. TThehe JJapanapan emissions.emissions. AgainstAgainst thisthis backdrop,backdrop, tthehe JJapanapan businessesbusinesses withwith thethe FederationFederation ofof MalaysianMalaysian MalaysiaMalaysia uunitnit SSumitomoumitomo MMitsuiitsui BankingBanking governmentgovernment aandnd rrelatedelated eenterprisesnterprises fforor TheThe JJapanapan ResearchResearch InstituteInstitute hashas builtbuilt upup a ResearchResearch InstituteInstitute alsoalso supportssupports industrialindustrial ResearchResearch InstituteInstitute isis supportingsupporting environmentalenvironmental ManufacturersManufacturers iinn AAprilpril 22010,010, aandnd iinn OOctoberctober CorporationCorporation MalaysiaMalaysia BBerhaderhad bbeganegan establishmentestablishment ooff ““greengreen ttownships”ownships” bbasedased successfulsuccessful tracktrack rrecordecord inin thethe coursecourse ofof itsits restructuringrestructuring andand low-carbonlow-carbon projectsprojects inin thethe businessesbusinesses thatthat mapmap outout pathwayspathways andand thatthat yearyear actedacted asas mainmain sponsorsponsor forfor MalaysiaMalaysia’s operations.operations. ThisThis unitunit isis broadeningbroadening supportsupport onon thethe citiescities PutrajayaPutrajaya andand CyberjayaCyberjaya PrimePrime advisoryadvisory activitiesactivities inin China,China, inin jjointoint rresearchesearch provinceprovince throughthrough mmodelodel pprojects.rojects. developdevelop pprojects,rojects, ttailoredailored ttoo thethe needsneeds ofof firstfirst large-scalelarge-scale iinternationalnternational eenvironmentalnvironmental measuresmeasures ttoo contributecontribute toto thethe developmentdevelopment MinisterMinister NajibNajib RazakRazak isis ppromoting.romoting. IItt aalsolso intointo local-levellocal-level mmicrogridicrogrid cconstructiononstruction atat particularparticular llocalities,ocalities, toto bringbring aboutabout a exhibition,exhibition, IInternationalnternational GGreentechreentech & EEcoco ofof environmentalenvironmental bbusinessesusinesses iinn MMalaysia.alaysia. plansplans ttoo proposepropose specificspecific projectsprojects inin thethe thethe TTianjinianjin Eco-City,Eco-City, andand inin policy-makingpolicy-making low-carbonlow-carbon ssociety.ociety. EExperimentalxperimental pprojectsrojects aarere productsproducts ExhibitionExhibition & ConferenceConference MalaysiaMalaysia Meanwhile,Meanwhile, inin AugustAugust 22010,010, tthehe JJapanapan concept.concept. relatingrelating toto renewablerenewable energyenergy managementmanagement currentlycurrently uunderwaynderway iinn KKanagawaanagawa PPrefecture,refecture, SaitamaSaitama PPrefecture,refecture, KKyotoyoto aandnd SSapporo.apporo. TheseThese initiativesinitiatives areare aimedaimed atat hasteninghastening thethe adoptionadoption ofof electricelectric vehiclesvehicles aandnd ccar-sharingar-sharing toto cutcut carboncarbon dioxidedioxide eemissions.missions. TheThe InstituteInstitute isis wworkingorking iinn ccooperationooperation withwith governmentgovernment bodies,bodies, car-rental,car-rental, commercialcommercial vehicle-leasingvehicle-leasing andand parking-facilityparking-facility managementmanagement ccompanies,ompanies, railways,railways, communicationscommunications providersproviders andand otherother entities.entities.

Electric vehicles not only emit no carbon dioxide, but offer a comfortable drive as well IGEM2010 greeted many visitors 23 CSR REPORT 2011 CSR REPORT 2011 24 For further details, Sumitomo Mitsui Financial Group CSR Report please see our website. Social Contribution Activities

Garbage was analyzed in the Kugenuma Beach cleanup event, in which SMFG and its Group companies participated SMFG as a corporate citizen: Working to create a prosperous society for all

branchesbranches aatt theirtheir oownwn initiative.initiative. A widewide varietyvariety SMFG and Supporting education in Donations through SMBC Nikko Securities’ ofof socialsocial contributioncontribution activities,activities, suchsuch asas thethe Mitsui Sumitomo VISA Card its Group companies developing countries, “The World Bank “Green Week” collectioncollection ofof usedused stampsstamps andand PETPET bottlebottle Sumitomo Mitsui caps,caps, werewere carriedcarried ooutut fforor ggloballobal ccauses.auses. participate in neighborhood together with our customers POINT UP Mall Green Fund” Card staff InIn tthehe ffallall ooff 2010,2010, SMBCSMBC NikkoNikko SecuritiesSecurities SMBCSMBC NNikkoikko SecuritiesSecurities willwill continuecontinue activiactivi- cleanup programs and employees SMBCSMBC andand SMBCSMBC NikkoNikko SecuritiesSecurities ddonateonate a establishedestablished itsits “Green“Green Week”Week” fforor strengthstrength- tiesties tthathat ccontributeontribute ttoo ssocietyociety andand prioritizeprioritize InIn fiscalfiscal 2010,2010, 150150 volunteersvolunteers ffromrom tthehe CardholdersCardholders aandnd eemployeesmployees ooff SSumitomoumitomo portionportion ooff thethe profitsprofits fromfrom marketingmarketing ofof thethe eningening eenvironmentalnvironmental pprotectionrotection andand socialsocial communicationcommunication betweenbetween eemployees.mployees. Donation of used books Promoting usage through SMFGSMFG GroupGroup pparticipatedarticipated inin beachbeach ccleanupleanup MitsuiMitsui CardCard joinedjoined a literaryliterary ssocialocial ccontributionontribution the point-allocation system SMBCSMBC NikkoNikko WorldWorld BankBank BondBond FFundund (“The“The contributioncontribution activities,activities, withwith thethe aimaim ofof activitiesactivities inin KanagawaKanagawa aandnd HHyogoyogo pprefecturesrefectures initiativeinitiative byby participatingparticipating iinn tthehe BBooksooks TToo WorldWorld BankBank GGreenreen FFundund”) ttoo tthehe JJapaneseapanese promotingpromoting ccommunicationommunication wwithinithin rregionalegional onon ““SMFGSMFG Clean-upClean-up Day.”Day.” TThishis iinitiativenitiative isis TheThe PPeopleeople 20102010 projectproject ooperatedperated byby BOOKOFFBOOKOFF RedRed CCrossross SSocietyociety aandnd tthehe JJapanapan CCommitteeommittee societysociety aandnd aamongmong pparticipatingarticipating eemployeesmployees Sumitomo Mitsui notnot simplysimply a mattermatter ofof pickingpicking upup garbage.garbage. ItIt CORP.CORP. ThisThis projectproject aaimsims ttoo provideprovide eenvironnviron- Cardholders forfor UNICEF.UNICEF. andand theirtheir families,families, wwhilehile ddeepeningeepening uundernder- alsoalso iinvolvesnvolves iinspectionsnspections aandnd analysisanalysis ooff mentsments iinn wwhichhich cchildrenhildren ccanan rreadead bbooksooks iinn BOOKOFF CORP Group ThisThis iinvestmentnvestment ttrustrust iiss tthehe wworldorld’s firstfirst standingstanding ooff eenvironmentalnvironmental pprotectionrotection tthroughhrough Employees and their families pitch in to clean up garbagegarbage toto identifyidentify ppointersointers fforor providingproviding purpose-builtpurpose-built ffacilities,acilities, tthroughhrough ddonationsonations ttoo fundfund ddevelopedeveloped iinn ccooperationooperation withwith thethe participationparticipation iinn ssocialocial ccontributionontribution aactivities.ctivities. Buying used books the bed of the Ara River in Tokyo solutionssolutions forfor environmentalenvironmental issuesissues inin thethe RoomRoom ttoo Read,Read, a nnon-governmentalon-governmental oorganirgani- WorldWorld BBankank tthathat iinvestsnvests inin WorldWorld BankBank ggreenreen BetweenBetween NNovemberovember 1133 aandnd DDecemberecember 5,5, Purchase price Environmental protection activities future.future. zationzation thatthat supportssupports educationeducation inin developingdeveloping bonds,bonds, aaccordingccording ttoo rresearchesearch byby NikkoNikko 2010,2010, eenvironmentalnvironmental pprotectionrotection programsprograms Forestry management volunteering experience in Osaka (Izumi no Mori) InIn additionaddition toto beachbeach ccleanupleanup aactivitiesctivities iinn countries.countries. TThesehese NGONGO donationsdonations areare peggedpegged Building libraries in developing countries AssetAsset ManagementManagement CCo.,o., LLtd.td. FFundsunds ffromrom werewere rolledrolled outout byby cross-organizationalcross-organizational 117 participants through the NGO Room to Read ChibaChiba aandnd HHyogoyogo prefecturesprefectures byby SMBCSMBC toto totaltotal numbersnumbers ofof usedused booksbooks andand otherother thethe WorldWorld BankBank ggreenreen bbondsonds ssupportupport oonlynly “Green“Green CCommittees”ommittees” inin fourfour locationslocations inin Volunteers at the Shonan Erosion Control Forest project FriendFriend Securities,Securities, GroupGroup companiescompanies ofof itemsitems ppurchasedurchased bbyy ccardholders.ardholders. TThroughhrough WorldWorld Bank-fundedBank-funded pprojectsrojects iinn ddevelopingeveloping Japan,Japan, wwithith thethe participationparticipation ofof 280280 employemploy- 62 participants Helping clean up Senju Shinbashi bridge that spans Ara River Cedyna,Cedyna, SumitomoSumitomo MitsuiMitsui FinanceFinance & Leasing,Leasing, thethe SSumitomoumitomo MMitsuiitsui Card-operatedCard-operated oonlinenline countriescountries ttoo mitigatemitigate globalglobal warming.warming. eesees andand theirtheir families.families. IInn aaddition,ddition, rregionalegional 64 participants thethe JJapanapan ResearchResearch InstituteInstitute andand SMBCSMBC shoppingshopping mallmall PPOINTOINT UPUP Mall,Mall, cardholderscardholders *Research by Nikko Asset Management Co., Ltd. contributioncontribution activitiesactivities wwereere ccarriedarried outout byby Helping clean up Nishi Araibashi bridge that spans Ara River 37 participants NikkoNikko SecuritiesSecurities carrycarry outout ongoingongoing cleanupcleanup areare encouragedencouraged ttoo buybuy usedused booksbooks throughthrough Social contribution collection activities andand otherother activitiesactivities inin thethe areasareas aroundaround theirtheir BOOKOFF,BOOKOFF, andand employeesemployees ccollectollect andand donatedonate Support for overseas causes through used-stamp collection officesoffices andand branches.branches. usedused booksbooks fromfrom theirtheir hhomesomes aandnd ccompanies.ompanies. 11.4 kg of stamps were collected Presentation of stationery to children in developing countries TheThe MMinatoinato BankBank andand KansaiKansai UrbanUrban BankingBanking 788 ballpoint pens and pencils CorporationCorporation alsoalso engageengage inin cleanupcleanup aactivitiesctivities Vaccine donation from the collection of PET bottle caps 168.9 kg (enough to vaccinate 84.45 people against polio) aroundaround SSumauma BBeacheach aandnd LLakeake BBiwa,iwa, ttoo Donating to the Japanese Red Cross Regional contribution activities at the branch level protectprotect thethe regionalregional environment.environment. Activities organized by branches Branch Accepting middle school students for workplace experience programs Matsudo Branch Accepting middle school students for workplace experience programs Shizuoka Branch Collection box for used books and other items Collection of PET bottle caps Abekawa River driftwood-clearing festival installed in an employee canteen Supporting education in developing countries Donating to Japan Committee for UNICEF for international contribution purposes 25 CSR REPORT 2011 CSR REPORT 2011 26 Sumitomo Mitsui Financial Group CSR Report For further details, please see our website. Social Contribution Activities

★ 1 7 8 Helping build prosperity ★

in Asia and the world 2 ★ TheThe SSMFGMFG GGrouproup isis engagedengaged inin a rangerange ofof activitiesactivities ★ thatthat contributecontribute toto developmentdevelopment aatt bbothoth tthehe rregionalegional ★ 3 andand iinternationalnternational level.level. InIn additionaddition toto overseasoverseas units’units’ 4 ★ independentindependent iinitiatives,nitiatives, wwhichhich aarere ggearedeared toto hosthost ★ 10 countrycountry iissuesssues andand characteristics,characteristics, thethe GroupGroup supportssupports ★ 5 ★ projectsprojects thatthat havehave ccontributedontributed ttoo aachievementchievement ooff tthehe ★ ★ ★ UnitedUnited NNations’ations’ ggloballobal MillenniumMillennium DDevelopmentevelopment GGoals,oals, suchsuch asas povertypoverty eeradication,radication, healthhealth improvementimprovement aandnd statusstatus improvementimprovement fforor eeducationducation aandnd wwomenomen inin 6 developingdeveloping ccountries.ountries. OOurur ssupportupport takestakes thethe formform ofof 9 donationsdonations ttoo nnon-profiton-profit aandnd nnon-governmentalon-governmental organizations,organizations, tthroughhrough tthehe eemployeemployee vvolunteerolunteer ffund.und. Middle East & AsiaEurope & Africa North America (The(The mapmap sshowshows aareasreas wwherehere fundfund moneymoney isis used,used, ★ markedmarked withwith a ★ ssymbol).ymbol). PleasePlease seesee ourour websitewebsite forfor South Korea Vietnam Europe The United States moremore details.details. 1 4 7 10 Support for a South Korean students’ Providing work Donations to charity groups SMBC GLOBAL FOUNDATION International cooperation begins at home Japanese-language theater competition experience to students EmployeesEmployees ooff SSumitomoumitomo MitsuiMitsui BankingBanking CorporationCorporation EuropeEurope BasedBased iinn tthehe UUnitednited SStates,tates, SSMBCMBC GGloballobal FFoundationoundation hhasas AsAs a wwayay ooff iincreasingncreasing understandingunderstanding ofof JapaneseJapanese culture,culture, SMBCSMBC’s HHanoianoi BBranchranch pprovidedrovided (SMBCE)(SMBCE) cconductedonducted vvolunteerolunteer aactivitiesctivities inin theirtheir timetime off.off. providedprovided scholarshipsscholarships ttoo moremore thanthan 5,0005,000 universityuniversity studentsstudents Employees put school meals on the table SMBCSMBC’s SSeouleoul BBranchranch donatesdonates fundsfunds toto makemake possiblepossible thethe internationalinternational sschoolchool sstudentstudents SMBCESMBCE ccontributesontributes toto charitablecharitable organizationsorganizations throughthrough anan inin AAsiansian ccountriesountries sincesince itsits establishmentestablishment inin 1994.1994. IInn thethe through their purchases in staff canteens holdingholding ooff a ccompetitionompetition withwith vocationalvocational experiences.experiences. in-housein-house ffundund aandnd aalsolso uusesses a mmatchingatching ggiftsifts pprogramrogram uundernder UnitedUnited States,States, itit supportssupports educationaleducational tripstrips toto JapanJapan SMBCSMBC aandnd SSumitomoumitomo MitsuiMitsui FinanceFinance andand LeasingLeasing involvinginvolving ttheatricalheatrical pperforerfor- whichwhich itit donatesdonates a organizedorganized bbyy a hhighigh schoolschool locatedlocated inin Harlem,Harlem, NewNew YorkYork City,City, havehave a pprogramrogram tthathat pprovidesrovides donationsdonations toto thethe nonnon- mancesmances inin tthehe JJapaneseapanese certaincertain amountamount forfor andand volunteervolunteer employeesemployees ofof SMBCSMBC andand JJRIRI ttoo pparticipatearticipate inin profitprofit organizationorganization TTABLEABLE FFOROR TTWOWO IInternationalnternational ttoo languagelanguage bbyy SSouthouth KKoreanorean everyevery ddonationonation mmadeade schoolschool beautificationbeautification pprograms.rograms. TheThe foundationfoundation alsoalso providesprovides Thailand fundfund schoolschool mealsmeals iinn ddevelopingeveloping studentsstudents ofof Japanese.Japanese. 5 byby iitsts eemployees.mployees. matchingmatching giftsgifts forfor SMBCSMBC employees.employees. countries,countries, forfor everyevery llow-calorieow-calorie mealmeal orderedordered forfor lunch.lunch. SMBCSMBC Performing a Japanese-language drama Supporting farming FriendFriend SecuritiesSecurities hashas alsoalso villages in the northeast China installedinstalled vvendingending mmachinesachines 2 SMBCSMBC’s BBangkokangkok BBranchranch aassistedssisted Employee volunteers who participated in sellingselling hhealthyealthy ddrinks,rinks, ddonatingonating Scholarships at major universities farmersfarmers byby ddonatingonating uundergroundnderground landscape improvement projects partpart ofof theirtheir salessales toto TABLETABLE FORFOR waterwater sstoragetorage tankstanks aandnd aassistingssisting SumitomoSumitomo MitsuiMitsui BankingBanking CorporationCorporation (China)(China) LimitedLimited Europe TWOTWO IInternational.nternational. withwith vegetablevegetable plantingplanting andand 8 establishedestablished a sscholarshipcholarship pprogramrogram fforor sstudentstudents ofof ZhejiangZhejiang harvesting.harvesting. Donation boxes for foreign currency coins University,University, ShanghaiShanghai InterInter- Donation for a Japanese-language speech contest SMBCSMBC pplaceslaces donationdonation boxesboxes forfor foreignforeign currencycurrency nationalnational StudiesStudies University,University, TheThe EuropeanEuropean officeoffice ofof thethe JapanJapan RResearchesearch InstituteInstitute (JRI)(JRI) coinscoins aatt tthehe eentrancesntrances ooff aallll mmannedanned branchesbranches andand SunSun YYat-senat-sen UUniversity,niversity, mademade a donationdonation inin ssupportupport ofof a JJapanese-languageapanese-language speechspeech officesoffices iinn JJapan,apan, andand sortssorts suchsuch collectedcollected coinscoins byby andand otherother universities.universities. contest.contest. currencycurrency forfor deliverydelivery toto UNICEF.UNICEF. High school students from New York Bank employees helped plant who visited Japan on a study trip The SMBC Foundation vegetables as volunteers Mozambique Scholarship students at Sun Yat-sen University for International Cooperation 9 Hong Kong Malaysia UNICEF support initiatives TheThe SSMBCMBC FFoundationoundation fforor IInternationalnternational CooperationCooperation 3 6 strivesstrives ttoo aassistssist inin developingdeveloping thethe humanhuman resourcesresources ThroughThrough tthehe CClimatelimate & CChildrenhildren SSupportersupporters pproject,roject, thethe bankbank necessarynecessary toto achieveachieve ssustainableustainable growthgrowth inin developdevelop- Supporting performances Donating furniture to hashas ssupportedupported UNICEFUNICEF projectsprojects inin MozambiqueMozambique benefittingbenefitting inging economieseconomies aass wwellell aass ttoo ppromoteromote internationalinternational by young Asian musicians welfare facilities childrenchildren andand improvingimproving exchangeexchange activities.activities. TheThe foundationfoundation hashas providedprovided SMBCSMBC HHongong KongKong BranchBranch makesmakes donationsdonations toto thethe AsianAsian SMBCSMBC’s LLabuanabuan BranchBranch inin thethe wwater-supplyater-supply andand financialfinancial supportsupport forfor studentsstudents fromfrom AsianAsian countriescountries YouthYouth OOrchestrarchestra ((AYO),AYO), Malaysia,Malaysia, followingfollowing itsits relocation,relocation, sanitarysanitary eenvironment.nvironment. eacheach year,year, eenablingnabling themthem toto attendattend universitiesuniversities inin comprisingcomprising youngyoung AsianAsian donateddonated desks,desks, chairschairs andand Japan.Japan. TheThe foundationfoundation alsoalso offersoffers subsidiessubsidies toto musiciansmusicia ns selecteds elec ted cabinetscabinets toto occupationaloccupational trainingtraining *Please see this website researchresearch iinstitutesnstitutes aandnd rresearchersesearchers uundertakingndertaking throughthrough aauditioninguditioning whowho centerscenters forfor tthehe ddisabled.isabled. for further details (in projectsprojects relatedrelated toto developingdeveloping countries.countries. Japanese): performperform aallll ooverver AAsia.sia. Scholarship award ceremony for university students in Vietnam www.smbc.co.jp/ccs/ Photographs supplied by AYO Donated furniture ⓒ UNICEF Mozambique/Arild Drivdal 27 CSR REPORT 2011 CSR REPORT 2011 28 Corporate Outline (as of September 30, 2011) Editorial Policy Company Name ： Sumitomo Mitsui Financial Group, Inc. This report has been created in an effort to convey to our stakeholders the variety of our initiatives and the roles the SMFG Group Business Description ： Management of banking subsidiaries (under the stipulations of Japan’s Banking Act) and of is fulfilling as we work to create a sustainable society. non-bank subsidiaries, as well as the performance of ancillary functions We have aimed to present the information clearly, so that readers may understand our attitude that the fulfillment of CSR is Established ： December 2, 2002 the essence of business itself, and our initiatives act upon this. Head Office ： 1-2, Marunouchi 1-chome, Chiyoda-ku, Tokyo, Japan Our CSR Report 2011 (digest version), launched last fiscal year, is intended to present more concise reports of the Group’s Chairman of the Board Masayuki Oku ： CSR activities, with a focus on specific activities of interest. To complement this, we have also posted online our CSR Report President ： Koichi Miyata (Concurrent Director at Sumitomo Mitsui Banking Corporation) 2011 (digest version, with examples of activities and statistical performance), with more detailed information on CSR Capital ： ¥2,337.8 billion activities and statistical data omitted in the CSR Report 2011 (digest version). Stock Exchange Listings ： Tokyo Stock Exchange (First Section) We disclose the full range of our CSR activities as a Group on our website in the official-use version of our CSR Report (in Osaka Securities Exchange (First Section) Japanese only). It is recommended that you read it in combination with the above two digest versions in order to understand Stock Exchange (First Section) Note: American Depositary Receipts (ADRs) are listed on the New York Stock Exchange. our CSR and other activities in greater detail. From the current fiscal year, we are including third-party opinions in the website version.

Structure of Sumitomo Mitsui Financial Group (as of September 30, 2011) DaiwaDaiwa SBSB InvestmentsInvestments Scope of this Report SMFG SUMITOMO MITSUI FINANCIAL GROUP • Sumitomo Mitsui Financial Group, Inc. SumitomoSumitomo MitsuiMitsui AAutouto SServiceervice • Sumitomo Mitsui Banking Corporation • SMFG Card & Credit, Inc. • Sumitomo Mitsui Card Company, Limited SumitomoSumitomo MitsuiMitsui SumitomoSumitomo MitsuiMitsui TheThe JJapanapan SMFGSMFG CCardard & CCreditredit SMBCSMBC FFriendriend SSecuritiesecurities BankingBanking CCorporationorporation FinanceFinance andand LeasingLeasing ResearchResearch IInstitutenstitute • Cedyna Financial Corporation • Sumitomo Mitsui Finance and Leasing Co., Ltd. • The Japan Research Institute, Limited • SMBC Friend Securities Co., Ltd. • SMBC Nikko Securities Inc. SMBCSMBC NNikkoikko SSecuritiesecurities ORIXORIX CreditCredit PROMISEPROMISE * SumitomoSumitomo MitsuiMitsui CardCard CedynaCedyna • THE MINATO BANK, LTD. • Kansai Urban Banking Corporation * SMFG plans to make PROMISE a wholly owned subsidiary in April 2012. • Other Group companies

Our CSR reporting Company name abbreviations and other special terminology At Sumitomo Mitsui Financial Group, three kinds of CSR reports are compiled. Throughout this report, “Sumitomo Mitsui Financial Group” or “SMFG” refers to the holding company alone. “The SMFG Group” refers to the holding company and its primary domestic and international subsidiaries and affiliates. CSR disclosure CSR report 2011 (digest version) through Reference guidelines CoversCovers CCSRSR bbaselinesaselines aandnd CCSRSR aactivitiesctivities aatt SSMFGMFG aandnd iitsts GGrouproup ccompanies,ompanies, specific examples centeredcentered oonn specificspecific examplesexamples Global Reporting Initiative (GRI) Sustainability Reporting Guidelines 2006 (G3) * Global Reporting Initiative (GRI): Established as an international standard for sustainability reporting, compilers set up an international CSR report 2011 organization (GRI) in 1997 to encourage its adoption worldwide. (digest version with examples of activities and Comprehensive statistical performance, online PDF file) disclosure of About this Report CoversCovers eenvironment-relatednvironment-related sstatisticaltatistical ddataata andand givesgives mmoreore ddetailedetailed CSR activities informationinformation oonn CCSRSR aactivitiesctivities Period Covered ： April 1, 2010 to March 31, 2011 ( “Fiscal 2010” ) Note: Certain items in this report refer to activities taking place after April 2011.

CSR report (online version, Japanese only) Publication Date of Enriched ： December 2011 www.smfg.co.jp/responsibility Japanese Document CSR disclosure Contact ： Group CSR Department, Sumitomo Mitsui Financial Group, Inc. ThisThis isis thethe officialofficial versionversion ofof ourour CSRCSR report.report. CoversCovers thethe fullfull spectrumspectrum ofof 1-2 Marunouchi 1-chome, Chiyoda-ku, Tokyo 100-0005 CSRCSR aactivitiesctivities aatt SSMFGMFG TEL: +81-3-3282-8111

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