UNITED STATES SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 6-K

REPORT OF FOREIGN PRIVATE ISSUER

PURSUANT TO RULE 13a-16 OR 15d-16 OF THE

SECURITIES EXCHANGE ACT OF 1934

For the month of November 2016

Commission File Number 001-34919

SUMITOMO MITSUI FINANCIAL GROUP, INC.

(Translation of registrant’s name into English)

1-2, Marunouchi 1-chome, Chiyoda-ku, Tokyo 100-0005, Japan

(Address of principal executive offices)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F:	Form 20-F x	Form 40-F ¨
Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1):	¨
Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7):	¨
Indicate by check mark whether by furnishing the information contained in this Form, the registrant is also thereby furnishing the information to the Commission pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934.	Yes ¨	No x
*If “Yes” is marked, indicate below the file number assigned to the registrant in connection with Rule 12g3-2(b):	82-

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

Sumitomo Mitsui Financial Group, Inc.
By:	/s/ Takeshi Mikami
	Name:	Takeshi Mikami
	Title:	General Manager, Financial Accounting Dept.

Date:    November 14, 2016

Financial Results

for the Six Months

ended September 30, 2016

- Supplementary Information -

Sumitomo Mitsui Financial Group, Inc.

Sumitomo Mitsui Banking Corporation

Table of contents

Page

1.	Income analysis	Consolidated	Non-consolidated	…	1
2.	Interest spread (domestic)		Non-consolidated	…	3
3.	Gains (losses) on securities		Non-consolidated	…	3
4.	Unrealized gains (losses) on securities	Consolidated	Non-consolidated	…	4
5.	Balance of securities, classified by maturity		Non-consolidated	…	5
6.	Overview of derivative transactions (under deferred hedge accounting)		Non-consolidated	…	5
7.	Employee retirement benefits	Consolidated	Non-consolidated	…	6
8.	Classification based on self-assessment and the Financial Reconstruction Act, and write-offs / reserves		Non-consolidated	…	7
9.	Risk-monitored loans	Consolidated	Non-consolidated	…	8
10.	Reserve for possible loan losses and reserve ratio	Consolidated	Non-consolidated	…	8
11.	Non-performing loans (NPLs) based on the Financial Reconstruction Act and coverage	Consolidated	Non-consolidated	…	9
12.	Results of off-balancing of NPLs		Non-consolidated	…	10
13.	Loan portfolio, classified by industry		Non-consolidated	…	11
14.	Loan portfolio, classified by country		Non-consolidated	…	13
15.	Balance of deposits and loans		Non-consolidated	…	14
16.	Deferred tax assets and liabilities		Non-consolidated	…	15
17.	Capital ratio (BIS guidelines)	Consolidated	Non-consolidated	…	16
18.	ROE	Consolidated		…	16
19.	Earnings targets and dividends forecast for FY3/2017	Consolidated	Non-consolidated	…	17
Reference 1: Financial statements of SMBC			Non-consolidated	…	18
Reference 2: Exposure to securitized products		Consolidated		…	22

Notes	1.	Consolidated: Consolidated figures of Sumitomo Mitsui Financial Group, Inc. (“SMFG”)
	2.	Non-consolidated: Non-consolidated figures of Sumitomo Mitsui Banking Corporation (“SMBC”)

This document contains “forward-looking statements” (as defined in the U.S. Private Securities Litigation Reform Act of 1995), regarding the intent, belief or current expectations of us and our managements with respect to our future financial condition and results of operations. In many cases but not all, these statements contain words such as “anticipate,” “believe,” “estimate,” “expect,” “intend,” “may,” “plan,” “probability,” “risk,” “project,” “should,” “seek,” “target,” “will” and similar expressions. Such forward-looking statements are not guarantees of future performance and involve risks and uncertainties, and actual results may differ from those expressed in or implied by such forward-looking statements contained or deemed to be contained herein. The risks and uncertainties which may affect future performance include: deterioration of Japanese and global economic conditions and financial markets; declines in the value of our securities portfolio; our ability to successfully implement our business strategy through our subsidiaries, affiliates and alliance partners; exposure to new risks as we expand the scope of our business; and incurrence of significant credit-related costs. Given these and other risks and uncertainties, you should not place undue reliance on forward-looking statements, which speak only as of the date of this document. We undertake no obligation to update or revise any forward-looking statements.

Please refer to our most recent disclosure documents such as our annual report on Form 20-F and other documents submitted to the U.S. Securities and Exchange Commission, as well as our earnings press releases, for a more detailed description of the risks and uncertainties that may affect our financial conditions and our operating results, and investors’ decisions.

Sumitomo Mitsui Financial Group

1. Income analysis

Consolidated						(Millions of yen)
				Six months ended		Six months ended
				Sep. 30, 2016	Change	Sep. 30, 2015
Consolidated gross profit			1	1,417,453	(95,276)	1,512,729
	Net interest income		2	660,572	(122,159)	782,731
	Trust fees		3	1,671	271	1,400
	Net fees and commissions		4	464,074	(28,847)	492,921
	Net trading income		5	122,394	13,692	108,702
	Net other operating income		6	168,740	41,766	126,974
General and administrative expenses			7	(882,029)	(29,785)	(852,244)
Equity in gains (losses) of affiliates			8	12,719	56,108	(43,389)
Consolidated net business profit			9	548,143	(68,952)	617,095
Total credit cost			10	(54,785)	(30,646)	(24,139)
	Credit costs		11	(63,871)	(26,791)	(37,080)
		Write-off of loans	12	(35,116)	(640)	(34,476)
		Provision for reserve for possible loan losses	13	(26,109)	(26,109)	-
		Others	14	(2,645)	(42)	(2,603)
	Gains on reversal of reserve for possible loan losses		15	-	(2,985)	2,985
	Recoveries of written-off claims		16	9,085	(870)	9,955
Gains (losses) on stocks			17	17,417	(14,763)	32,180
Other income (expenses)			18	3,476	(3,211)	6,687
Ordinary profit			19	514,251	(117,573)	631,824
Extraordinary gains (losses)			20	26,814	27,806	(992)
	Gains (losses) on disposal of fixed assets		21	(782)	(2,779)	1,997
	Losses on impairment of fixed assets		22	(1,751)	1,008	(2,759)
	Gains on step acquisitions		23	29,325	29,325	-
Income before income taxes			24	541,066	(89,766)	630,832
Income taxes - current			25	(110,289)	45,325	(155,614)
Income taxes - deferred			26	(23,048)	9,061	(32,109)
Profit			27	407,727	(35,382)	443,109
Profit attributable to non-controlling interests			28	(48,529)	6,442	(54,971)
Profit attributable to owners of parent			29	359,198	(28,939)	388,137
Notes	1.   Amounts less than 1 million yen are rounded down. Figures in parenthesis indicate the amount of loss or decrease.
	2.   Consolidated gross profit = (Interest income - Interest expenses) + Trust fees + (Fees and commissions - Fees and commissions payments)   + (Trading income - Trading losses) + (Other operating income - Other operating expenses)
	Number of consolidated subsidiaries and affiliates
				Sep. 30, 2016		Mar. 31, 2016
					Change
	Consolidated subsidiaries		30	366	25	341
	Equity method affiliates		31	58	(1)	59

- 1 -

Sumitomo Mitsui Financial Group

SMBC non-consolidated				(Millions of yen)
				Six months ended		Six months ended
				Sep. 30, 2016	Change	Sep. 30, 2015
Gross banking profit			1	914,027	111,044	802,983
	Gross domestic profit		2	667,455	128,265	539,190
		Net interest income	3	539,914	101,660	438,254
		Trust fees	4	866	44	822
		Net fees and commissions	5	91,962	(3,479)	95,441
		Net trading income	6	495	(521)	1,016
		Net other operating income	7	34,216	30,561	3,655
		Gains (losses) on bonds	8	18,317	18,860	(543)
	Gross international profit		9	246,572	(17,221)	263,793
		Net interest income	10	99,964	(33,692)	133,656
		Net fees and commissions	11	59,949	(8,521)	68,470
		Net trading income	12	38,611	12,519	26,092
		Net other operating income	13	48,046	12,472	35,574
		Gains (losses) on bonds	14	39,720	18,640	21,080
Expenses (excluding non-recurring losses)			15	(401,999)	(3,179)	(398,820)
Overhead ratio			16	44.0%	(5.7%)	49.7%
	Personnel expenses		17	(161,814)	(133)	(161,681)
	Non-personnel expenses		18	(215,598)	(2,706)	(212,892)
	Taxes		19	(24,585)	(340)	(24,245)
Banking profit (before provision for general reserve for possible loan losses)			20	512,028	107,865	404,163
Gains (losses) on bonds			21	58,037	37,501	20,536
Provision for general reserve for possible loan losses			22	10,407	10,407	-
Banking profit			23	522,435	118,272	404,163
Non-recurring gains (losses)			24	(42,172)	(53,017)	10,845
	Credit costs		25	(6,453)	(3,907)	(2,546)
	Gains on reversal of reserve for possible loan losses		26	-	(25,219)	25,219
	Recoveries of written-off claims		27	4,045	(841)	4,886
	Gains (losses) on stocks		28	15,080	13,980	1,100
	Other non-recurring gains (losses)		29	(54,844)	(37,030)	(17,814)
Ordinary profit			30	480,262	65,254	415,008
Extraordinary gains (losses)			31	(1,804)	(2,408)	604
	Gains (losses) on disposal of fixed assets		32	(310)	(2,693)	2,383
	Losses on impairment of fixed assets		33	(1,494)	284	(1,778)
Income before income taxes			34	478,457	62,845	415,612
Income taxes - current			35	(66,459)	44,063	(110,522)
Income taxes - deferred			36	(13,903)	5,904	(19,807)
Net income			37	398,094	112,812	285,282
Total credit cost (22+25+26+27)			38	7,999	(19,559)	27,558
	Provision for general reserve for possible loan losses		39	10,407	(1,417)	11,824
	Write-off of loans		40	(211)	171	(382)
	Provision for specific reserve for possible loan losses		41	(4,584)	(17,939)	13,355
	Losses on sales of delinquent loans		42	(1,881)	283	(2,164)
	Provision for loan loss reserve for specific overseas countries		43	224	185	39
	Recoveries of written-off claims		44	4,045	(841)	4,886
Note: Amounts less than 1 million yen are rounded down. Figures in parenthesis indicate the amount of loss or decrease.

- 2 -

Sumitomo Mitsui Financial Group

2. Interest spread (domestic)

SMBC non-consolidated							(%)
					Six months ended Sep. 30, 2016		Six months ended Sep. 30, 2015
			Three months   ended Jun. 30, 2016	Three months   ended Sep. 30, 2016		Change
Yield on interest earning assets (A)					1.63	0.33	1.30
	Interest earned on loans and bills discounted (C)		1.13	1.05	1.09	(0.15)	1.24
	Interest earned on securities				3.75	2.14	1.61
Total cost of funding (including expenses) (B)					0.72	(0.01)	0.73
	Cost of interest bearing liabilities				0.04	(0.02)	0.06
		Interest paid on deposits, etc. (D)	0.01	0.01	0.01	(0.02)	0.03
		Interest paid on other liabilities			0.30	0.14	0.16
	Expense ratio				0.68	0.01	0.67
Overall interest spread (A) - (B)					0.91	0.34	0.57
	Interest spread (C) - (D)		1.12	1.04	1.08	(0.13)	1.21
	Reference: After excluding loans to the Japanese government, etc.
	Interest earned on loans and bills discounted (E)		1.15	1.12	1.13	(0.11)	1.24
	Interest spread (E) - (D)		1.14	1.11	1.12	(0.09)	1.21

3. Gains (losses) on securities

SMBC non-consolidated			(Millions of yen)
		Six months ended Sep. 30, 2016		Six months ended Sep. 30, 2015
			Change
Gains (losses) on bonds		58,037	37,501	20,536
	Gains on sales	64,293	30,448	33,845
	Losses on sales	(4,692)	5,020	(9,712)
	Gains on redemption	0	0	0
	Losses on redemption	(1,562)	2,033	(3,595)
	Losses on devaluation	-	-	-
Gains (losses) on stocks		15,080	13,980	1,100
	Gains on sales	27,801	(5,952)	33,753
	Losses on sales	(7,891)	(2,691)	(5,200)
	Losses on devaluation	(4,830)	22,623	(27,453)

- 3 -

Sumitomo Mitsui Financial Group

4. Unrealized gains (losses) on securities

Consolidated										(Millions of yen)
					Sep. 30, 2016					Mar. 31, 2016
					Balance sheet  amount	Net unrealized gains (losses)				Balance sheet  amount	Net unrealized  gains (losses) (b)
						(a)	(a) - (b)	Gains	Losses
	Held-to-maturity securities			1	1,716,367	13,402	(3,166)	13,402	-	2,267,598	16,568
	Other securities			2	20,318,006	1,778,220	(129,292)	1,908,633	130,412	23,133,426	1,907,512
		Stocks		3	3,351,223	1,453,620	(119,381)	1,506,368	52,747	3,511,883	1,573,001
		Bonds		4	9,018,209	103,552	(5,634)	106,550	2,997	10,893,090	109,186
			Japanese government  bonds	5	6,259,205	57,849	(4,590)	59,248	1,399	8,105,050	62,439
		Others		6	7,948,572	221,047	(4,278)	295,715	74,667	8,728,452	225,325
			Foreign bonds	7	5,607,962	4,856	(20,395)	24,621	19,764	6,484,214	25,251
	Other money held in trust			8	4,315	-	-	-	-	5,163	-
	Total			9	22,038,688	1,791,623	(132,458)	1,922,036	130,412	25,406,188	1,924,081
		Stocks		10	3,351,223	1,453,620	(119,381)	1,506,368	52,747	3,511,883	1,573,001
		Bonds		11	10,734,576	116,954	(8,801)	119,952	2,997	13,160,688	125,755
		Others		12	7,952,888	221,047	(4,278)	295,715	74,667	8,733,616	225,325
SMBC non-consolidated										(Millions of yen)
					Sep. 30, 2016					Mar. 31, 2016
					Balance sheet  amount	Net unrealized gains (losses)				Balance sheet  amount	Net unrealized  gains (losses) (b)
						(a)	(a) - (b)	Gains	Losses
	Held-to-maturity securities			13	1,440,438	10,202	(3,593)	10,202	-	1,980,811	13,795
	Stocks of subsidiaries and affiliates			14	4,015,034	(53,907)	(19,015)	5,324	59,231	3,579,632	(34,892)
	Other securities			15	17,742,811	1,544,035	(124,634)	1,664,718	120,682	20,717,533	1,668,669
		Stocks		16	3,244,168	1,373,467	(113,996)	1,422,554	49,087	3,400,301	1,487,463
		Bonds		17	8,451,984	98,531	(5,238)	101,442	2,910	10,290,243	103,769
			Japanese government  bonds	18	6,002,954	55,601	(4,279)	56,981	1,379	7,816,547	59,880
		Others		19	6,046,659	72,036	(5,400)	140,721	68,684	7,026,988	77,436
			Foreign bonds	20	4,091,491	(1,454)	(21,689)	16,183	17,638	5,153,769	20,235
	Total			21	23,198,284	1,500,330	(147,242)	1,680,244	179,914	26,277,977	1,647,572
		Stocks		22	4,623,187	1,359,604	(117,536)	1,427,878	68,274	4,642,919	1,477,140
		Bonds		23	9,892,422	108,734	(8,831)	111,644	2,910	12,271,054	117,565
		Others		24	8,682,674	31,992	(20,874)	140,721	108,729	9,364,003	52,866

Notes	1.   The figures above include negotiable certificates of deposit in “Cash and due from banks” and beneficiary claims on loan trust in “Monetary claims bought.”
	2.   Stocks within Other securities and foreign stocks within Others of Other securities are valuated with the average market price during the final month of the period. The rest of the securities are valuated at market prices as of the balance sheet date.
	3.   Other securities and Other money held in trust are valuated and recorded on the balance sheet at market prices. Unrealized gains (losses) indicate the difference between the acquisition costs (or amortized costs) and the balance sheet amounts.
	Net unrealized gains (losses) on Other securities include gains (losses) which are recognized in the statements of income by applying fair value hedge accounting and accordingly not recorded directly to Net assets. Losses of 16 million yen and gains of 871 million yen were recognized in the statements of income for the six months ended September 30, 2016 and for the year ended March 31, 2016, respectively.
	4.   Floating-rate Japanese government bonds which SMBC held as Other securities are carried on the balance sheet at their reasonably estimated amounts in accordance with the “Practical Solution on Measurement of Fair Value of Financial Assets” (Accounting Standard Board of Japan Practical Issues Task Force No. 25).

- 4 -

Sumitomo Mitsui Financial Group

5. Balance of securities, classified by maturity

Balance of other securities with maturities and bonds of held-to-maturity

SMBC non-consolidated										(Billions of yen)
		Sep. 30, 2016					Mar. 31, 2016
		1 year or less	More than  1 year to 5 years	More than  5 years to 10 years	More than  10 years	Total	1 year or less	More than  1 year to 5 years	More than  5 years to 10 years	More than  10 years	Total
Bonds		1,884.4	6,947.7	745.9	314.4	9,892.4	2,778.0	8,507.4	591.0	394.6	12,271.1
	Japanese government bonds	1,669.3	5,511.7	100.8	161.6	7,443.4	2,522.7	7,021.7	-	252.9	9,797.4
	Japanese local government bonds	-	13.0	30.2	0.0	43.3	-	4.6	3.1	0.0	7.7
	Japanese corporate bonds	215.1	1,423.0	614.9	152.8	2,405.8	255.3	1,481.1	587.9	141.7	2,466.0
Others		1,063.7	1,036.3	1,317.7	1,142.6	4,560.2	1,424.4	1,416.8	1,282.1	1,382.8	5,506.1
Total		2,948.1	7,984.0	2,063.6	1,457.0	14,452.7	4,202.4	9,924.1	1,873.1	1,777.5	17,777.1

6. Overview of derivative transactions (under deferred hedge accounting)

SMBC non-consolidated								(Billions of yen)
		Sep. 30, 2016				Mar. 31, 2016
				Net    Assets    (a) - (b)	Net deferred gains (losses)			Net   Assets   (a) - (b)	Net deferred gains (losses)
		Assets   (a)	Liabilities  (b)			Assets   (a)	Liabilities   (b)
	Interest rate swaps	285.9	99.8	186.1	140.4	313.6	163.2	150.4	108.1
	Currency swaps	76.9	10.7	66.2	12.4	117.7	482.3	(364.6)	11.5
	Others	4.2	0.4	3.8	93.3	4.6	0.9	3.7	(41.1)
Total		367.0	110.9	256.1	246.1	435.9	646.4	(210.5)	78.6
Notes 1.	Derivative transactions are valuated at fair value on the balance sheet.
2.	SMBC applied deferred hedge or fair value hedge accounting based on Practical Guidelines for Accounting Standard for Financial Instruments as well as deferred hedge accounting for banking industry based on JICPA Industry Audit Committee Report No. 24 and No. 25.
3.	Figures for Net deferred gains (losses) are those before application of tax effect accounting.
Reference: Notional amount of interest rate swaps (under deferred hedge accounting), classified by remaining maturity (Billions of yen)
		Sep. 30, 2016				Mar. 31, 2016
		1 year  or less	More than   1 year to 5 years	More than  5 years	Total	1 year   or less	More than   1 year to 5 years	More than   5 years	Total
	Receivable fixed rate / payable floating rate	2,028.2	19,999.4	6,457.5	28,485.1	2,932.0	20,282.4	7,379.1	30,593.5
	Receivable floating rate / payable fixed rate	1,278.4	9,334.9	4,415.8	15,029.1	1,188.5	9,133.5	6,205.4	16,527.5
Total		3,306.6	29,334.3	10,873.2	43,514.2	4,120.5	29,415.9	13,584.5	47,120.9

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Sumitomo Mitsui Financial Group

7. Employee retirement benefits

Consolidated

(1) Projected benefit obligation

(Millions of yen)

				At the beginning of FY3/2017					At the beginning of FY3/2016
							Change
Fair value of plan assets		(A)		1,357,175			(64,093	)	1,421,268
Projected benefit obligation		(B)		1,202,471			119,362		1,083,109
Net surplus (deficit)		(A-B)		154,704			(183,455	)	338,159
	Net defined benefit asset			203,274			(172,981	)	376,255
	Net defined benefit liability			48,570			10,474		38,096
Measurements of defined benefit plans (before tax effect deduction)				103,824			174,418		(70,594)
	Unrecognized prior service cost (deductible from the obligation)			(808	)		148		(956)
	Unrecognized net actuarial gain (loss)			104,633			174,270		(69,637)
(2) Retirement benefit expenses
(Millions of yen)
				Six months ended Sep. 30, 2016					Six months ended Sep. 30, 2015
							Change
Retirement benefit expenses				39,410			15,517		23,893
SMBC non-consolidated
(1) Projected benefit obligation
(Millions of yen)
				At the beginning of FY3/2017					At the beginning of FY3/2016
							Change
Projected benefit obligation		(A)		1,008,072			92,390		915,682
<Discount rate>				<0.34%>			<(0.66)%>		<1.00%>
	Fair value of plan assets	(B)		1,196,835			(76,484)		1,273,319
	Reserve for employee retirement benefits	(C)		-			-		-
	Prepaid pension cost	(D)		279,917			(13,165)		293,082
	Unrecognized prior service cost (deductible from the obligation)	(E)		-			-		-
	Unrecognized net actuarial gain (loss)	(A-B-C+D-E)		91,153			155,706		(64,553)
(2) Retirement benefit expenses
(Millions of yen)
			Six months ended Sep. 30, 2016						Six months ended Sep. 30, 2015
						Change
Retirement benefit expenses				28,587			10,042		18,545
	Service cost			15,259			2,104		13,155
	Interest cost on projected benefit obligation			1,713			(2,865	)	4,578
	Expected returns on plan assets			(18,344	)		(466	)	(17,878)
	Amortization of unrecognized prior service cost			-			-		-
	Amortization of unrecognized net actuarial gain (loss)			25,726			9,834		15,892
	Others			4,232			1,435		2,797

- 6 -

Sumitomo Mitsui Financial Group

8. Classification based on self-assessment and the Financial Reconstruction Act, and write-offs / reserves

*1	Includes direct reduction of 130.1 billion yen.
*2	Includes reserve for assets that are not subject to disclosure based on the Financial Reconstruction Act standards. (Bankrupt/Effectively bankrupt borrowers: 3.6 billion yen, Potentially bankrupt borrowers: 3.2 billion yen)
*3	Reserve ratios for claims on Bankrupt borrowers, Effectively bankrupt borrowers, Potentially bankrupt borrowers, Substandard borrowers and Borrowers requiring caution including Substandard borrowers are the proportion of reserve for the possible loan losses to each category’s total claims, excluding the portion secured by collateral or guarantees, etc.
*4	Reserve ratios for claims on Normal borrowers and Borrowers requiring caution (excluding claims to Substandard borrowers) are the proportion of the reserve for possible loan losses to the respective claims of each category.
	The reserve ratio for unsecured claims on Borrowers requiring caution (excluding claims to Substandard borrowers) is shown in [    ].
*5	Includes Specific reserve for Borrowers requiring caution totaling 0.4 billion yen.
*6	The proportion of the reserve to the claims, excluding the portion secured by collateral or guarantees, etc.

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Sumitomo Mitsui Financial Group

9. Risk-monitored loans

Consolidated					(Millions of yen, %)
		Sep. 30, 2016			Mar. 31, 2016
			Ratio     (b)			Ratio     (d)
		(a)		(a) - (c)	(c)
Bankrupt loans		47,140	0.1	2,392	44,748	0.1
Non-accrual loans		528,527	0.7	(65,550)	594,077	0.8
Past due loans (3 months or more)		17,757	0.0	(2,088)	19,845	0.0
Restructured loans		266,380	0.4	(318)	266,698	0.3
Total		859,806	1.1	(65,564)	925,370	1.2
Total loans (period-end balance)		75,966,141	100.0	900,061	75,066,080	100.0
Amount of direct reduction		276,863		3,854	273,009
SMBC non-consolidated					(Millions of yen, %)
		Sep. 30, 2016			Mar. 31, 2016
			Ratio     (b)			Ratio     (d)
		(a)		(a) - (c)	(c)
Bankrupt loans		42,827	0.1	2,921	39,906	0.1
Non-accrual loans		338,789	0.5	(71,231)	410,020	0.6
Past due loans (3 months or more)		6,625	0.0	2,051	4,574	0.0
Restructured loans		102,942	0.1	(3,129)	106,071	0.1
Total		491,185	0.7	(69,388)	560,573	0.8
Total loans (period-end balance)		71,081,261	100.0	1,804,526	69,276,735	100.0
Amount of direct reduction		123,730		2,044	121,686
10. Reserve for possible loan losses and reserve ratio
Consolidated					(Millions of yen, %)
		Sep. 30, 2016			Mar. 31, 2016
			Reserve Ratio   (b)			Reserve Ratio (d)
		(a)		(a) - (c)	(c)
Reserve for possible loan losses		588,279	68.42	(36,740)	625,019	67.54
	General reserve	377,871		(17,675)	395,546
	Specific reserve	209,223		(18,938)	228,161
	Loan loss reserve for specific overseas countries	1,184		(127)	1,311
Amount of direct reduction		320,321		18,338	301,983
SMBC non-consolidated					(Millions of yen, %)
		Sep. 30, 2016			Mar. 31, 2016
			Reserve Ratio   (b)			Reserve Ratio (d)
		(a)		(a) - (c)	(c)
Reserve for possible loan losses		324,775	66.12	(32,411)	357,186	63.72
	General reserve	210,890		(10,407)	221,297
	Specific reserve	112,928		(21,780)	134,708
	Loan loss reserve for specific overseas countries	955		(224)	1,179
Amount of direct reduction		130,106		280	129,826
Note:  Reserve ratio: Reserve for possible loan losses / Risk-monitored loans. After direct reduction.

- 8 -

Sumitomo Mitsui Financial Group

11. Non-performing loans (NPLs) based on the Financial Reconstruction Act and coverage

Consolidated (Millions of yen, %)

		Sep. 30, 2016		Mar. 31, 2016
		(a)	(a) - (b)	(b)
	Bankrupt and quasi-bankrupt assets	159,570	(18,489)	178,059
	Doubtful assets	453,014	(73,749)	526,763
	Substandard loans	284,542	(3,379)	287,921
Total (A)		897,128	(95,615)	992,743
	Normal assets	86,101,313	521,907	85,579,406
	Grand total (B)	86,998,441	426,291	86,572,150
NPL ratio (A/B)		1.03	(0.12)	1.15
				(Millions of yen)
		Sep. 30, 2016		Mar. 31, 2016
		(a)	(a) - (b)	(b)
Total coverage (C)		710,966	(96,578)	807,544
	Reserve for possible loan losses (D)	213,722	(16,933)	230,655
	Amount recoverable by guarantees, collateral and others (E)	497,244	(79,645)	576,889
				(%)
Coverage ratio (C) / (A)		79.25	(2.09)	81.34
Coverage ratio calculated with total reserve for possible loan losses included in the numerator		121.00	(0.07)	121.07
				(%)
Reserve ratio to unsecured assets (D) / (A - E)		53.45	(2.02)	55.47
Reserve ratio calculated with total reserve for possible loan losses included in the numerator		147.11	(3.19)	150.30
SMBC non-consolidated			(Millions of yen, %)
		Sep. 30, 2016		Mar. 31, 2016
		(a)	(a) - (b)	(b)
	Bankrupt and quasi-bankrupt assets	118,291	(17,313)	135,604
	Doubtful assets	294,255	(82,111)	376,366
	Substandard loans	109,568	(1,078)	110,646
Total (A)		522,115	(100,502)	622,617
	Normal assets	80,826,211	1,780,154	79,046,057
	Grand total (B)	81,348,327	1,679,653	79,668,674
NPL ratio (A/B)		0.64	(0.14)	0.78
Note: NPLs based on the Financial Reconstruction Act include loans, acceptances and guarantees, suspense payments, and other credit-type assets.
			(Millions of yen)
		Sep. 30, 2016		Mar. 31, 2016
		(a)	(a) - (b)	(b)
Total coverage (C)		454,545	(95,373)	549,918
	Reserve for possible loan losses* (D)	136,711	(22,256)	158,967
	Amount recoverable by guarantees, collateral and others (E)	317,834	(73,117)	390,951
*  Sum of general reserve for substandard loans and specific reserve
				(%)
Coverage ratio (C) / (A)		87.06	(1.26)	88.32
Coverage ratio calculated with total reserve for possible loan losses included in the numerator		123.08	(6.48)	129.56
				(%)
Reserve ratio to unsecured assets (D) / (A - E)		66.92	(1.70)	68.62
Reserve ratio calculated with total reserve for possible loan losses included in the numerator		158.98	(20.46)	179.44

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Sumitomo Mitsui Financial Group

12. Results of off-balancing of NPLs

SMBC non-consolidated

							(Billions of yen)
			Sep. 30, 2016   (a)	(a) - (b)	NPLs newly classified during the six months ended Sep. 30, 2016	Amount of   off-balancing	Mar. 31, 2016   (b)
	Bankrupt and quasi-bankrupt assets		118.3	(17.3)	17.9	(35.2)	135.6
	Doubtful assets		294.3	(82.1)	38.1	(120.2)	376.4
	Total		412.5	(99.5)	56.0	(155.4)	512.0
Result of measures connected to off-balancing (*1)			95.8				101.3
			Disposition by borrowers’ liquidation			(2.7)
			Reconstructive disposition			(5.9)
			Improvement in debtors’ performance due to reconstructive disposition			-
		Breakdown of   off-balancing by factor (*2)	Loan sales to market			(16.0)
			Direct write-offs			1.3
			Others			(132.1)
				Collection / repayment, etc.		(95.5)
				Improvement in debtors’ performance		(36.6)
			Total			(155.4)

*1	The measures connected to off-balancing are legal reorganizations and other similar measures, corporate splits to good companies and bad companies, partial direct write-offs of retail exposure to individuals and small- and medium-sized enterprises, and trusts to RCC for the purpose of revitalization which is scheduled to be off-balanced before the maturity.
*2	1. “Disposition by borrowers’ liquidation” refers to abandonment or write-off of loans involved in bankruptcy liquidation proceedings (bankruptcy or special liquidations).
	2. “Reconstructive disposition” refers to abandonment of loans involved in reconstructive bankruptcy proceedings (corporate reorganization and civil rehabilitation), debt forgiveness involved in special mediation or other types of civil mediation, or debt forgiveness for restructuring involved in private reorganization.

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Sumitomo Mitsui Financial Group

13. Loan portfolio, classified by industry   SMBC non-consolidated   (1) Loans and bills discounted, classified by industry   (Millions of yen,  %) 

			Sep. 30, 2016						Mar. 31, 2016
			(a)		Ratio	(a) - (b)			(b)		Ratio
Domestic offices (excluding Japan offshore banking accounts)				53,341,720	100.0		3,269,358			50,072,362	100.0
	Manufacturing			5,869,795	11.0		(98,312	)		5,968,107	11.9
	Agriculture, forestry, fisheries and mining			115,086	0.2		(6,719	)		121,805	0.2
	Construction			704,177	1.3		(6,825	)		711,002	1.4
	Transportation, communications and public enterprises			4,327,929	8.1		33,186			4,294,743	8.6
	Wholesale and retail			3,993,806	7.5		44,676			3,949,130	7.9
	Finance and insurance			6,990,156	13.1		(52,284	)		7,042,440	14.1
	Real estate and goods rental and leasing			7,697,582	14.4		683,397			7,014,185	14.0
	Various services			3,964,732	7.5		10,402			3,954,330	7.9
	Municipalities			685,808	1.3		(401,440	)		1,087,248	2.2
	Others			18,992,645	35.6		3,063,276			15,929,369	31.8
Overseas offices and Japan offshore banking accounts				17,739,541	100.0		(1,464,832	)		19,204,373	100.0
	Public sector			172,071	1.0		7,448			164,623	0.8
	Financial institutions			1,158,837	6.5		(203,577	)		1,362,414	7.1
	Commerce and industry			14,777,836	83.3		(1,098,886	)		15,876,722	82.7
	Others			1,630,796	9.2		(169,816	)		1,800,612	9.4
Total				71,081,261	-		1,804,526			69,276,735	-
	Risk-monitored loans				(Millions of yen, %)
			Sep. 30, 2016						Mar. 31, 2016
			(a)		Ratio	(a) - (b)			(b)		Ratio
	Domestic offices (excluding Japan offshore banking accounts)			423,518	100.0		(55,228	)		478,746	100.0
		Manufacturing		82,650	19.5		1,676			80,974	16.9
		Agriculture, forestry, fisheries and mining		153	0.0		(149	)		302	0.1
		Construction		12,236	2.9		(1,436	)		13,672	2.9
		Transportation, communications and public enterprises		37,359	8.8		(12,562	)		49,921	10.4
		Wholesale and retail		87,357	20.6		(8,567	)		95,924	20.0
		Finance and insurance		312	0.1		(3,279	)		3,591	0.7
		Real estate and goods rental and leasing		81,845	19.3		(5,703	)		87,548	18.3
		Various services		66,279	15.7		(8,870	)		75,149	15.7
		Municipalities		-	-		-			-	-
		Others		55,321	13.1		(16,341	)		71,662	15.0
	Overseas offices and Japan offshore banking accounts			67,667	100.0		(14,159	)		81,826	100.0
		Public sector		-	-		-			-	-
		Financial institutions		-	-		-			-	-
		Commerce and industry		27,864	41.2		(11,583	)		39,447	48.2
		Others		39,802	58.8		(2,576	)		42,378	51.8
	Total			491,185	-		(69,388	)		560,573	-

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Sumitomo Mitsui Financial Group

(2) NPLs based on the Financial Reconstruction Act classified by industry, and reserve ratio

(Millions of yen, %)

		Sep. 30, 2016						Mar. 31, 2016
		(a)		Reserve ratio	(a) - (b)			(b)
Domestic offices (excluding Japan offshore banking accounts)			450,581	70.0		(84,737	)		535,318
	Manufacturing		84,541	70.9		(3,749	)		88,290
	Agriculture, forestry, fisheries and mining		153	62.9		(149	)		302
	Construction		12,280	59.8		(1,417	)		13,697
	Transportation, communications and public enterprises		56,571	88.8		(14,747	)		71,318
	Wholesale and retail		90,391	55.1		(9,824	)		100,215
	Finance and insurance		966	68.5		(3,297	)		4,263
	Real estate and goods rental and leasing		82,041	55.0		(26,512	)		108,553
	Various services		67,502	59.0		(8,579	)		76,081
	Municipalities		-	-		-			-
	Others		56,131	100.0		(16,464	)		72,595
Overseas offices and Japan offshore banking accounts			71,534	54.6		(15,765	)		87,299
	Public sector		-	-		-			-
	Financial institutions		-	-		-			-
	Commerce and industry		30,249	60.7		(13,151	)		43,400
	Others		41,284	49.6		(2,614	)		43,898
Total			522,115	66.9		(100,502	)		622,617

Notes  1.	NPLs based on the Financial Reconstruction Act include loans, acceptances and guarantees, suspense payments, and other credit-type assets.
2.	Reserve ratio
	= (Reserve for possible loan losses) / (Assets excluding amounts recoverable due to guarantees, collateral and others) X 100 Reserve for possible loan losses is sum of general reserve for substandard loans and specific reserve.

(3) Consumer loans outstanding

					(Millions of yen)
			Sep. 30, 2016 (a)		Mar. 31, 2016 (b)
				(a) - (b)
Consumer loans			13,977,820	(170,264)	14,148,084
	Housing loans		13,021,502	(185,692)	13,207,194
		Self-residential purpose	10,424,966	(173,181)	10,598,147
	Other consumer loans		956,318	15,429	940,889
(4) Loans to small- and medium-sized enterprises, etc.
					(Millions of yen, %)
			Sep. 30, 2016		Mar. 31, 2016
			(a)	(a) - (b)	(b)
Outstanding balance			32,665,987	(1,194,736)	33,860,723
Ratio to total loans			61.2	(6.4)	67.6
Note:  Outstanding balance includes loans to individuals.

- 12 -

Sumitomo Mitsui Financial Group

14. Loan portfolio, classified by country

SMBC non-consolidated

(1) Loans outstanding, classified by major domicile

		(Millions of yen, %)
		Sep. 30, 2016			Mar. 31, 2016
		(a)	Ratio	(a) - (b)	(b)	Ratio
Asia		4,918,420	26.6	(485,395)	5,403,815	27.0
	Indonesia	274,138	1.5	(15,299)	289,437	1.4
	Thailand	609,238	3.3	(67,674)	676,912	3.4
	Korea	247,364	1.3	(26,670)	274,034	1.4
	Hong Kong	1,341,827	7.2	(149,600)	1,491,427	7.5
	China	206,833	1.1	(66,047)	272,880	1.4
	Taiwan	275,131	1.5	29,413	245,718	1.2
	Singapore	1,084,324	5.9	(54,803)	1,139,127	5.7
	India	404,340	2.2	(61,649)	465,989	2.3
	Others	475,225	2.6	(73,066)	548,291	2.7
Oceania		1,539,000	8.3	(134,003)	1,673,003	8.4
	Australia	1,414,411	7.6	(116,853)	1,531,264	7.7
	Others	124,589	0.7	(17,150)	141,739	0.7
North America		6,164,138	33.3	(93,273)	6,257,411	31.3
	United States	4,941,553	26.7	(13,271)	4,954,824	24.8
	Others	1,222,585	6.6	(80,002)	1,302,587	6.5
Central and South America		1,521,587	8.2	(107,996)	1,629,583	8.2
	Brazil	241,901	1.3	(38,305)	280,206	1.4
	Panama	500,101	2.7	(28,851)	528,952	2.7
	Others	779,585	4.2	(40,840)	820,425	4.1
Western Europe		2,819,900	15.2	(483,786)	3,303,686	16.5
	United Kingdom	876,710	4.7	(292,838)	1,169,548	5.9
	Ireland	538,328	2.9	(47,866)	586,194	2.9
	Netherlands	519,601	2.8	11,482	508,119	2.5
	Others	885,261	4.8	(154,564)	1,039,825	5.2
Eastern Europe		263,756	1.4	(195,109)	458,865	2.3
	Russia	205,160	1.1	(190,835)	395,995	2.0
	Others	58,596	0.3	(4,274)	62,870	0.3
Others		1,282,931	7.0	32,346	1,250,585	6.3
Total		18,509,732	100.0	(1,467,216)	19,976,948	100.0
Note:    Classified by domicile of debtors.

(2) NPLs based on the Financial Reconstruction Act, classified by domicile

(Millions of yen, %)

		Sep. 30, 2016			Mar. 31, 2016
		(a)	Reserve Ratio	(a) - (b)	(b)
Overseas Offices and Japan offshore banking accounts		71,534	54.6	(15,765)	87,299
	Asia	10,967	28.9	(3,163)	14,130
	Oceania	4,271	-	(10,771)	15,042
	North America	26,047	60.6	(11,593)	37,640
	Central and South America	11,841	54.2	7,773	4,068
	Western Europe	8,127	99.3	3,878	4,249
	Eastern Europe	-	-	-	-
	Others	10,278	49.1	(1,888)	12,166

Notes	1.	NPLs based on the Financial Reconstruction Act include Loans, acceptances and guarantees, suspense payments, and other credit-type assets.
	2.	Reserve ratio
		= (Reserve for possible loas losses)/(Assets excluding amounts recoverable due to gurantees, collateral and others) X 100
		Reserve for possible loan losses is sum of general reserve for substandard loans and specific reserve.
	3.	Classified by domicile of debtors.

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Sumitomo Mitsui Financial Group

15. Balance of deposits and loans

SMBC non-consolidated

(1) Average balance of deposits and loans

(Millions of yen)

		Six months ended   Sep. 30, 2016   (a)		Six months ended   Sep 30, 2015   (b)
			(a) - (b)
Deposits		95,820,438	6,930,034	88,890,404
	Domestic units	78,808,875	5,824,094	72,984,781
Loans		69,468,696	1,500,739	67,967,957
	Domestic units	47,666,952	2,324,467	45,342,485
Note:    Deposits do not include negotiable certificates of deposit.

(2) Balance of deposits and loans, classified by type of depositor
(Millions of yen)
			Sep. 30, 2016   (a)		Sep. 30, 2015   (b)	Mar. 31, 2016 (Reference)
				(a) - (b)
Deposits			98,956,852	6,953,976	92,002,876	98,839,722
	Domestic deposits (excluding Japan offshore banking accounts)		83,436,687	6,178,308	77,258,379	82,134,687
		Individuals	42,725,146	777,371	41,947,775	42,312,525
		Corporates	40,711,541	5,400,937	35,310,604	39,822,162
Loans			71,081,261	2,284,398	68,796,863	69,276,735
	Domestic offices (excluding Japan offshore banking accounts)		53,341,720	4,351,585	48,990,135	50,072,362
	Overseas offices and Japan offshore banking accounts		17,739,541	(2,067,186)	19,806,727	19,204,373
Note:    Deposits do not include negotiable certificates of deposit.

Reference:
				(Billions of yen)
		Sep. 30, 2016     (a)		Mar. 31, 2016 (b)
			(a) - (b)
Balance of investment trusts		2,216.9	(225.1)	2,442.0
	Balance to individuals	1,860.1	(217.4)	2,077.5
Note:    Balance of investment trusts is recognized on a contract basis and measured according to each fund’s net asset balance at the period-end.

			(Billions of yen)
	Six months ended Sep. 30, 2016 (a)		Six months ended Sep. 30, 2015 (b)
		(a) - (b)
Sales of investment trusts to individuals	174.4	(249.2)	423.6
Sales of pension-type insurance to individuals	61.3	(9.5)	70.8

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Sumitomo Mitsui Financial Group

16. Deferred tax assets and liabilities

(Billions of yen)

SMBC non-consolidated
					Sep. 30, 2016			Change from Mar. 31, 2016			Mar. 31, 2016
(a) Total deferred tax assets			(b-c)	1		240.7			(18.0	)		258.7
	(b)	Subtotal of deferred tax assets		2		495.8			(8.8	)		504.6
		Reserve for possible loan losses and write-off of loans		3		120.1			(11.8	)		131.9
		Taxable write-off of securities		4		275.2			(0.6	)		275.8
		Others		5		100.5			3.6			96.9
	(c)	Valuation allowance		6		255.1			9.2			245.9
(d)	Total deferred tax liabilities			7		486.5			(21.6	)		508.1
	Net unrealized gains on other securities			8		395.2			(31.2	)		426.4
	Others			9		91.3			9.6			81.7
Net deferred tax assets			(a-d)	10		(245.8	)		3.6			(249.4	)
	Amount corresponding to net deferred losses on hedges included in line 5 and net unrealized gains on other securities included in line 8			11		(446.2	)		17.5			(463.7	)
	Others			12		200.4			(13.9	)		214.3

SMBC recognized deferred tax assets pursuant to paragraph 19 (classification 2) of the “Implementation Guidance on Recoverability of Deferred Tax Assets” (ASBJ Guidance No.26). This is due to the fact that SMBC has generated steady taxable income, excluding amounts arising from extraordinary factors, in all of the current and past three fiscal years.

Reference: Income of final tax return before deducting operating loss carryforwards for the last 3 years

							(Billions of yen)
	FY3/2014		FY3/2015		FY3/2016		1H, FY3/2017
Income of final tax return before deducting operating loss carryforwards		501.8		643.7		548.1	219.6

  Note:    The figure for 1H, FY3/2017 was estimated in interim closing.

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Sumitomo Mitsui Financial Group

17. Capital ratio (BIS guidelines)

(Basel III basis)

Consolidated		(Billions of yen, %)
	Sep. 30, 2016 [Preliminary]		Mar. 31, 2016
	(a)	(a) - (b)	(b)
(1) Total capital ratio (4) / (7)	17.45	0.43	17.02
(2) Tier 1 capital ratio (5) / (7)	13.73	0.05	13.68
(3) Common equity Tier 1 capital ratio (6) / (7)	12.04	0.23	11.81
(4) Total capital	11,353.9	118.0	11,235.9
(5) Tier 1 capital	8,934.3	(97.4)	9,031.7
(6) Common equity Tier 1 capital	7,832.7	36.2	7,796.5
(7) Risk weighted assets	65,049.9	(961.7)	66,011.6
(8) Required capital (7) X 8%	5,204.0	(76.9)	5,280.9
SMBC consolidated
(1) Total capital ratio	18.68	0.49	18.19
(2) Tier 1 capital ratio	14.62	0.04	14.58
(3) Common equity Tier 1 capital ratio	13.22	0.18	13.04
SMBC non-consolidated
(1) Total capital ratio	20.54	1.07	19.47
(2) Tier 1 capital ratio	15.83	0.54	15.29
(3) Common equity Tier 1 capital ratio	14.02	0.58	13.44
18. ROE
Consolidated			(%)
	Six months ended Sep. 30, 2016		Six months ended   Sep. 30, 2015
	(a)	(a) - (b)	(b)
ROE (denominator: Total stockholders’ equity)	9.4	(1.4)	10.8

Note:
ROE    (denominator: Total   stockholders’ equity)	=	(Profit attributable to owners of parent) x (Number of days in a year (365 days)) / (Number of days in the period (183 days))	X	100
		{(Total stockholders’ equity at the beginning of the period) + (Total stockholders’ equity at the end of the period)} / 2

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Sumitomo Mitsui Financial Group

19. Earnings targets and dividends forecast for FY3/2017    

(1) Earnings targets    

Consolidated		(Billions of yen)
		FY3/2017				FY3/2016
				Change		Result
Ordinary profit		960.0		(25.3	)	985.3
Profit attributable to owners of parent		700.0		53.3		646.7
SMBC non-consolidated		(Billions of yen)
		FY3/2017				FY3/2016
				Change		Result
	Gross banking profit	1,640.0		105.7		1,534.3
	Expenses	(815.0	)	(9.5	)	(805.5)
Banking profit (before provision for general reserve for possible loan losses)		825.0		96.2		728.8
Total credit cost		(50.0	)	(53.2	)	3.2
Ordinary profit		740.0		(7.9	)	747.9
Net income		600.0		(9.2	)	609.2
(2) Dividends forecast						(Yen)
		FY3/2017				FY3/2016
		Interim		Annual		Result
Dividend per share for common stock		75		150		150
Reference:						(Billions of yen)
		FY3/2017				FY3/2016
		Interim		Annual		Result
Total dividend		105.8		211.5		211.5

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Sumitomo Mitsui Financial Group

Reference 1: Financial Statements of SMBC

1. Condensed balance sheet

SMBC non-consolidated (Millions of yen)

	Sep. 30, 2016		Mar. 31, 2016
	(a)	Change (a) - (b)	(b)
Assets
Cash and due from banks	35,298,147	(3,564,578)	38,862,725
Call loans	940,558	40,964	899,594
Receivables under resale agreements	528,769	169,451	359,318
Receivables under securities borrowing transactions	2,527,556	(271,299)	2,798,855
Monetary claims bought	964,209	14,103	950,106
Trading assets	2,736,443	(775,514)	3,511,957
Securities	22,525,289	(3,076,867)	25,602,156
Loans and bills discounted	71,081,261	1,804,526	69,276,735
Foreign exchanges	1,547,217	(11,035)	1,558,252
Other assets	2,551,675	419,806	2,131,869
Tangible fixed assets	821,713	(9,613)	831,326
Intangible fixed assets	224,941	4,767	220,174
Prepaid pension cost	278,812	(1,105)	279,917
Customers’ liabilities for acceptances and guarantees	6,736,789	(300)	6,737,089
Reserve for possible loan losses	(324,775)	32,411	(357,186)
Reserve for possible losses on investments	(41,983)	(20,518)	(21,465)
Total assets	148,396,626	(5,244,804)	153,641,430

Note:  Amounts less than 1 million yen are rounded down.

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Sumitomo Mitsui Financial Group

(Millions of yen ) 

	Sep. 30, 2016		Mar. 31, 2016
	(a)	Change (a) - (b)	(b)
Liabilities
Deposits	98,956,852	117,130	98,839,722
Negotiable certificates of deposit	10,646,973	(3,781,365)	14,428,338
Call money	868,032	(239,793)	1,107,825
Payables under repurchase agreements	725,474	229,238	496,236
Payables under securities lending transactions	3,290,068	1,915,788	1,374,280
Commercial paper	1,220,018	(760,135)	1,980,153
Trading liabilities	2,382,454	(605,361)	2,987,815
Borrowed money	7,369,910	(498,401)	7,868,311
Foreign exchanges	853,671	(278,125)	1,131,796
Bonds	4,052,155	(722,917)	4,775,072
Due to trust account	1,013,637	92,317	921,320
Other liabilities	1,983,085	(941,410)	2,924,495
Reserve for employee bonuses	13,414	(455)	13,869
Reserve for executive bonuses	-	(566)	566
Reserve for point service program	771	(315)	1,086
Reserve for reimbursement of deposits	10,654	(4,720)	15,374
Deferred tax liabilities	245,777	(3,650)	249,427
Deferred tax liabilities for land revaluation	31,801	(36)	31,837
Acceptances and guarantees	6,736,789	(300)	6,737,089
Total liabilities	140,401,541	(5,483,079)	145,884,620
Net assets
Capital stock	1,770,996	-	1,770,996
Capital surplus	2,466,290	(3,908)	2,470,198
Capital reserve	1,771,043	-	1,771,043
Other capital surplus	695,246	(3,908)	699,154
Retained earnings	2,595,812	180,823	2,414,989
Other retained earnings	2,595,812	180,823	2,414,989
Voluntary reserve for retirement allowances	1,656	-	1,656
Voluntary reserve	219,845	-	219,845
Retained earnings brought forward	2,374,310	180,822	2,193,488
Treasury stock	(210,003)	-	(210,003)
Total stockholders’ equity	6,623,095	176,914	6,446,181
Net unrealized gains (losses) on other securities	1,139,955	(93,955)	1,233,910
Net deferred gains (losses) on hedges	204,028	155,322	48,706
Land revaluation excess	28,005	(6)	28,011
Total valuation and translation adjustments	1,371,989	61,361	1,310,628
Total net assets	7,995,084	238,274	7,756,810
Total liabilities and net assets	148,396,626	(5,244,804)	153,641,430
Note: Amounts less than 1 million yen are rounded down.

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Sumitomo Mitsui Financial Group

2. Condensed income statement

SMBC non-consolidated   (Millions of yen) 

	Six months ended     Sep. 30, 2016 (a)		Six months ended Sep. 30, 2015 (b)
		Change (a) - (b)
Ordinary income	1,276,098	109,480	1,166,618
Interest income	859,005	102,927	756,078
Interest on loans and discounts	481,012	(7,002)	488,014
Interest and dividends on securities	323,117	111,632	211,485
Trust fees	873	32	841
Fees and commissions	246,564	(6,198)	252,762
Trading income	39,106	11,998	27,108
Other operating income	91,237	33,389	57,848
Other income	39,309	(32,669)	71,978
Ordinary expenses	795,835	44,226	751,609
Interest expenses	219,127	34,960	184,167
Interest on deposits	57,340	15,913	41,427
Fees and commissions payments	94,659	5,790	88,869
Trading losses	-	-	-
Other operating expenses	8,975	(9,643)	18,618
General and administrative expenses	431,204	13,356	417,848
Other expenses	41,869	(236)	42,105
Ordinary profit	480,262	65,254	415,008
Extraordinary gains	1	(3,636)	3,637
Extraordinary losses	1,806	(1,226)	3,032
Income before income taxes	478,457	62,845	415,612
Income taxes - current	66,459	(44,063)	110,522
Income taxes - deferred	13,903	(5,904)	19,807
Total income taxes	80,363	(49,967)	130,330
Net income	398,094	112,812	285,282

 Note:  Amounts less than 1 million yen are rounded down.

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Sumitomo Mitsui Financial Group

3. Statement of changes in net assets

SMBC non-consolidated

Six months ended September 30, 2016 (Millions of yen)

				Capital surplus					Retained earnings
	Capital stock			Capital reserve		Other capital surplus			Other retained earnings								Treasury   stock			Total    stockholders’     equity
									Voluntary reserve for retirement allowances		Voluntary reserve			Retained   earnings brought forward
Balance at the beginning of the period		1,770,996			1,771,043		699,154			1,656		219,845			2,193,488			(210,003	)	6,446,181
Changes in the period
Corporate reorganization (by subsidiaries)							(3,908	)												(3,908)
Cash dividends															(217,277	)				(217,277)
Net income															398,094					398,094
Reversal of land revaluation excess															5					5
Net changes in items other than stockholders’ equity in the period
Net changes in the period		-			-		(3,908	)		-		-			180,822			-		176,914
Balance at the end of the period		1,770,996			1,771,043		695,246			1,656		219,845			2,374,310			(210,003	)	6,623,095
		(Millions of yen)
	Valuation and translation adjustments
	Net unrealized gains on other securities			Net deferred gains (losses) on hedges		Land revaluation excess			Total valuation and translation adjustments		Total net assets
Balance at the beginning of the period		1,233,910			48,706		28,011			1,310,628		7,756,810
Changes in the period
Corporate reorganization (by subsidiaries)												(3,908	)
Cash dividends												(217,277	)
Net income												398,094
Reversal of land revaluation excess												5
Net changes in items other than stockholders’ equity in the period		(93,955	)		155,321		(6	)		61,360		61,360
Net changes in the period		(93,955	)		155,321		(6	)		61,360		238,274
Balance at the end of the period		1,139,955			204,028		28,005			1,371,989		7,995,084

 Note:  Amounts less than 1 million yen are rounded down.

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Sumitomo Mitsui Financial Group

Reference 2: Exposure to securitized products
1. Securitized products	Managerial          accounting basis

Consolidated									(Billions of yen)
		Sep. 30, 2016						Mar. 31, 2016
		Balances   (after  provisions  and write- offs)				Net    unrealized   gains/losses  (after write- offs)		Balances   (after  provisions  and write- offs)		Net   unrealized  gains/losses  (after write- offs)
									Overseas
			Change from  Mar. 2016	Overseas	Change from  Mar. 2016		Change from  Mar. 2016
	Cards, etc.	289.6	27.0	279.8	28.5	1.3	0.7	262.5	251.2	0.6
	CLO	39.6	0.0	39.6	0.0	1.6	(0.1)	39.6	39.6	1.7
	CMBS	1.1	(9.0)	1.1	(9.0)	0.0	(0.3)	10.1	10.1	0.3
	RMBS, etc.	23.4	(7.4)	23.4	(7.4)	0.3	(0.1)	30.8	30.8	0.4
	Total	353.7	10.6	343.9	12.1	3.2	0.2	343.1	331.8	3.0

Notes	1.	Balance of ABCP is null.
	2.	Excludes RMBS issued by GSE and Japan Housing Finance Agency, and SMBC’s exposure to subordinated beneficiaries owned through the securitization of SMBC’s loan receivables, etc.

2. Leveraged loans

  Consolidated (Billions of yen)  

	Sep. 30, 2016				Mar 31, 2016
	Loans		Undrawn   commitments		Loans	Undrawn commitments
		Change from   Mar. 2016		Change from   Mar. 2016
Europe	333.5	(48.1)	72.2	(9.0)	381.6	81.3
Japan	350.7	(1.9)	60.6	20.3	352.5	40.3
United States	152.8	(11.3)	56.7	(7.6)	164.0	64.2
Asia (ex.Japan)	82.5	(39.4)	2.8	(0.2)	121.9	3.0
Total	919.5	(100.6)	192.3	3.5	1,020.1	188.8

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