text: **Common SMFG CSR Philosophy: Business Ethics**
  
  1.**Satisfactory**
  We intend to be a financial services group that has the complete trust and support of 
  We intend to be a financial services group that has the complete trust and support of 
  our customers. For this purpose, we will always provide services that meet the true 
  our customers. For this purpose, we will always provide services that meet the true 
  needs of our customers to assure their satisfaction and earn confidence in the Group. 
  needs of our customers to assure their satisfaction and earn confidence in the Group. 
  **Customer Services**
  
  We intend to be a financial services group that maintains fair, transparent, and sound 
  We intend to be a financial services group that maintains fair, transparent, and sound 
  management based on the principle of self-responsibility. For this purpose, along with 
  management based on the principle of self-responsibility. For this purpose, along with 
  earning the firm confidence of our shareholders, our customers, and the general public, 
  earning the firm confidence of our shareholders, our customers, and the general public, 
  we take a long-term view of our business and operate it efficiently, and actively disclose 
  we take a long-term view of our business and operate it efficiently, and actively disclose 
  accurate business information about the Group. Through these activities, we work to 
  accurate business information about the Group. Through these activities, we work to 
  maintain continued growth based on a sound financial position. 
  maintain continued growth based on a sound financial position. 
  
  2.**Sound Management**