Faced with changing markets and rising Faced with changing markets and rising 
costs, many Japanese companies are costs, many Japanese companies are 
moving their operations overseas. Many moving their operations overseas. Many 
large companies already have gone globallarge companies already have gone global 
in terms of production and marketing bases, in terms of production and marketing bases, 
and now mid-sized and smaller companies and now mid-sized and smaller companies 
are moving into overseas markets too, are moving into overseas markets too, 
especially in Asia.especially in Asia.
We believe this trend will pick up speedWe believe this trend will pick up speed 
up in the future. And so, to service these up in the future. And so, to service these 
companies, SMFG also needs to take companies, SMFG also needs to take 
measures, as a matter of urgency, to measures, as a matter of urgency, to 
internationalize its operations.internationalize its operations.
Focusing on practical language skills and Focusing on practical language skills and 
international awareness, SMBC is putting in international awareness, SMBC is putting in 
place frameworks to give impetus to the place frameworks to give impetus to the 
process of “in-house internationalization.”process of “in-house internationalization.”
Under our “global course” program, newly Under our “global course” program, newly 
hired hired sogoshokusogoshoku (management-track) staff  (management-track) staff 
are sent overseas after basic training. We are sent overseas after basic training. We 
have also expanded human resource have also expanded human resource 
training programs in English and Chinese training programs in English and Chinese 
and at overseas units.and at overseas units.
Improvement of language skills in particular Improvement of language skills in particular 
is something that requires ongoing is something that requires ongoing 
commitment. For this reason, we have set a commitment. For this reason, we have set a 
TOEIC target of 800 points and are sending TOEIC target of 800 points and are sending 
1,000 employees per year to English 1,000 employees per year to English 
conversation classes given at specially conversation classes given at specially 
installed teaching booths at SMBCinstalled teaching booths at SMBC’s Head s Head 
Office and elsewhere.Office and elsewhere.
We are also committed to stepping up We are also committed to stepping up 
personnel exchanges within Japan and with personnel exchanges within Japan and with 
overseas countries. For example, we overseas countries. For example, we 
organize “Global Corporate Banker Training” organize “Global Corporate Banker Training” 
classes in Tokyo for foreign staff working classes in Tokyo for foreign staff working 
at overseas units and for regular employees at overseas units and for regular employees 
in Japan. All of these courses are in English in Japan. All of these courses are in English 
and feature discussions and presentations and feature discussions and presentations 
on resolution of issues faced by global on resolution of issues faced by global 
companies. Through such lively exchanges, companies. Through such lively exchanges, 
the aim is to develop the ability to deepen the aim is to develop the ability to deepen 
cross-cultural communication and cultivate cross-cultural communication and cultivate 
a global outlook and mentality.a global outlook and mentality.
At the bank, we will continue measures to At the bank, we will continue measures to 
promote globalization going forward, and promote globalization going forward, and 
create systems that can provide higher create systems that can provide higher 
quality support to our customers.quality support to our customers.
Native speaker teachers
In November 2010, the bank expanded its In November 2010, the bank expanded its 
employee carer support program.employee carer support program.