text: **Symbiosis and diversity**
  
  **Global challenges**
  
  In anticipation of further global expansion, the SMFG Group is aggressively internationalizing its 
  In anticipation of further global expansion, the SMFG Group is aggressively internationalizing its 
  
  operations both in Japan and overseas. Initiatives include aggressive development of advisory 
  operations both in Japan and overseas. Initiatives include aggressive development of advisory 
  
  services for infrastructure upgrades in emerging economies, a cross-departmental endeavor, 
  services for infrastructure upgrades in emerging economies, a cross-departmental endeavor, 
  
  as well as contributions to the international community and the environmental business, chiefly 
  as well as contributions to the international community and the environmental business, chiefly 
  
  through branches and representative offices overseas. 
  through branches and representative offices overseas. 
  
  We will continue to discuss and review various approaches to issues facing the international 
  We will continue to discuss and review various approaches to issues facing the international 
  
  community so as to build up trust internationally as a global player. 
  community so as to build up trust internationally as a global player. 
  
  **Further measures needed**
  
  Share expertise in corporate social responsibility 
  Share expertise in corporate social responsibility  ● 
  
  with the international community 
  with the international community 
  
  Improve financial services in preparation for the 
  Improve financial services in preparation for the  ● 
  
  globalization of operations in Japan (multilingual 
  globalization of operations in Japan (multilingual 
  
  support) 
  support) 
  
  Promote diversity 
  Promote diversity  ● 