text: **Scope of this Report**
  
  (cid:129) Sumitomo Mitsui Financial Group, Inc. 
  
  (cid:129) Sumitomo Mitsui Banking Corporation 
  
  (cid:129) SMFG Card & Credit, Inc. 
  
  (cid:129) Sumitomo Mitsui Card Company, Limited 
  
  (cid:129) Cedyna Financial Corporation 
  
  (cid:129) Sumitomo Mitsui Finance and Leasing Co., Ltd. 
  
  (cid:129) The Japan Research Institute, Limited 
  
  (cid:129) SMBC Friend Securities Co., Ltd. 
  
  (cid:129) SMBC Nikko Securities Inc. 
  
  (cid:129) THE MINATO BANK, LTD. 
  
  (cid:129) Kansai Urban Banking Corporation 
  
  (cid:129) Other Group companies 
  
  Company name abbreviations and other special terminology 
  
  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. 