SMBC GROUP
ANNUAL REPORT 2023

MESSAGE FROM GROUP CFO CFO MESSAGE Fumihiko Ito Group CFO & CSO Director Senior Managing Executive Officer

Special Content:
Key Measures to Drive SMBC Group’s Future Growth

Special Content 1: Multi-Franchise Strategy, Overseas Securities Business

Special Content 2: Olive

Special Content 3: U.S. Digital Bank

Retail Business Unit

<a href= Wholesale Business Unit" /> Wholesale Business Unit" />

Global Business Unit

Global Markets Business Unit

Using Digital to Create the Future of Finance

<a href= Creating Social Value to Achieve Sustainability" /> Creating Social Value to Achieve Sustainability" />

Human Resource Strategies to Support Value Creation

People who Embody Our Five Values

SMBC GROUP ANNUAL REPORT 2023

Value creation at SMBC Group
A History of Standing Side-by-Side with Customers and Society (166KB)
MISSION & VISION & FIVE VALUES (129KB)
Message from Group CEO (259KB)
SMBC Group’s Value Creation Process (208KB)
Core Policy of the Medium-Term Management Plan (FY2023 - FY2025) (195KB)
Communication with Stakeholders (156KB)
Message from Group CFO (216KB)
Response to Administrative Dispositions and Efforts to Prevent Recurrence (123KB)
Round-Table Discussion with Outside Directors (179KB)