C O R P O R A T E P R O F I L E 2 0 1 8C O R P O R A T E P R O F I L E 2 0 1 8

Note・Amounts shown above for the Sumitomo Mitsui Financial Group, Inc. and Sumitomo Mitsui Finance and Leasing Co., Ltd. are calculated at the rate of ¥106.25 to US$1.00. For Sumitomo Corporation, the rate is ¥106.00 to US$1.00.・Amounts shown on this page are consolidated figures.

Sumitomo Mitsui Finance and Leasing Co., Ltd.

1 Ratio of share holding excluding treasury stock2 As of March 31, 2018

SMFL by the numbersFor the fiscal year ended March 31,2018

Exchange rate: ¥106.25 to U.S.$1.00

One of the most trusted names in Japan, SMFG is a leading figure in the financial world. The Group mainly provides banking services in addition to other financial services such as leasing, securities and consumer finance.

Sumitomo Mitsui Financial Group, Inc.

$1,873.4billion

TOTAL ASSETS2

RATINGS

A– AS&P

A+R&IFitch

Spanning the globe in over 60 countries across six continents, Sumitomo Corporation is the firm Japan trusts most for vital import and export operations, including trilateral trade and domestic as well as international business investments.

Sumitomo Corporation

$73.3billion

TOTAL ASSETS2

RATINGS

Baa1 A–Moody’s

A+R&IS&P

$53.2billion

TOTAL ASSETS2

RATINGS

A+ AA–R&I JCR

A–S&P

Sumitomo Mitsui Finance and Leasing (SMFL) is a member of the Sumitomo Mitsui Financial Group (SMFG) and the Sumitomo Corporation Group. SMFG and Sumitomo Corporation are two of Japan’s leading and most venerable companies. Their respective originating companies— Mitsui and Sumitomo — have rich and successful histories dating back to the 17th century.

Mitsui began as the Mitsui Echigo Kimono retail store in Nihonbashi, Tokyo. They developed an innovative style of conducting retail business introducing fixed-price cash transactions and establishing over-the-counter sales. These innovations served as their foundation for expanding to the banking industry. On the other hand, Sumitomo, originally a book and medicine store founded in Kyoto, became renowned for developing an innovative refining technology that could separate silver from crude copper. The company thrived as a trading merchant dealing in copper, later expanding to threads, textiles, sugar and medicine.

Today, the businesses and companies that originated from Mitsui and Sumitomo drive Japan’s economy. SMFG and Sumitomo Corporation are among those companies. SMFL provides dependable, reliable and secure leasing services backed by their synergies and the extensive network of the Mitsui and Sumitomo groups.

Backed by history,SMFL helps customers secure their future.

Revenues

$15.2billion

Operating Assets

$45.1billion

Profit Attributable toOwners of Parent

$0.5billion

Contract Execution Volume

$20.5billion

Global Coverage

15OFFICES

Employees

3,550WORLDWIDE

Rendering from the Sumitomo Historical Archives Rendering from Mitsui BunkoNew Year's Day Scene at Suruga-cho Echigoya shops.Artist: Unknown

Illustration of the innovative smeltingtechnique to separate silver from crude copper

SMFL at a Glance

01 02

40percent1

Shareholders' ratio

60percent1

Shareholders' ratio

01.Leasing & Installment SalesSMFL purchases machinery and equipment from manufacturers and dealers. We then offer customers two payment options, leasing or installment sales, to best suit their financial and budgetary preferences. Leasing and installment sales account for approximately 70% of our entire business. This is a major strength of SMFL.

02.FinanceSMFL offers financing methods that meet the diverse needs of our customers. In addition to leasing and installment sales, SMFL provides financial products, such as factoring, real estate non-recourse loans, and ship finance etc.

03.Other services SMFL supports our customers' businesses with other services as well. We do second-hand trading of machine tools, semiconductor manufacturing equipment, and other machinery. SMFL also provides a system that can centrally manage all customer assets.

Corporate Message

Changes in the company’s operating environment are more rapid and consequential than ever before.In that context, SMFL has created a message that captures its ideals and dedication, specifically its vision for society in the future, its determination to pursue innovations that go beyond conventional concepts, and its goal to grow together with its customers.

Anticipating the needs of each era, SMFL is dedicated to contributing to society by providing high-value-added services.

CORPORATE PHILOSOPHY

— providing high-value-added services while promoting growth and developmentin partnership with its customers,

— engaging in business activities that anticipate the needs of each era in a bid to continuously enhance corporate value,

— conducting business in a manner that adheres strictly to the rule of law and the highest moral standards, and

— fostering a free-spirited corporate culture while creating a workplace environment that allows employees to make the most of their drive and capabilities.

MANAGEMENT PRINCIPLESSMFL is dedicated to …

SMFL provides unmatched financial products and services, with a focus on leases and long-term installment sales.

Message & Philosophy Services & Solutions

040103

SMFL is the solution to finance and leasing needs across a wide range of industries, inside and outside Japan. With a strong history of financial expertise that anticipates challenges faced by each of our customers' industries, SMFL has developed various solutions to secure the future of solidified and growing business sectors. Each topic shown here is a direct response to a particular need found in three different industries. Whatever your field, SMFL is the best partner.

A challenge is nothing but an opportunity to succeed.

Photo: Nijigennomori Inc.

SMFL is proud to have a long history of supporting local economies in our efforts to help preserve culture, take care of communities, and bolster the national economy as a whole.

Some examples include funding for refurbished traditional Japanese houses in Kyoto, in order to remake them into guest houses. We've also provided financial support for a new "capsule hotel"(hotel with many small, pod-like rooms) at the Central Japan International Airport. Our reach is even evident in a brand-new Japanese anime theme park located on Awaji Island, where we've provided leasing services.

Leasing solutions: the key to revitalizing local communities

World-class financial services for local economies

Photo: Real Corporation

Photo: TUBE INC.

T o p i c 1

Regional revitalization

T o p i c 1 Regional revitalization

T o p i c 2 Agriculture, forestry, and fisheries

T o p i c 3 Global vendor finance

Topics

05 06

Local expertise, worldwide

A new agricultural future, in bloom

Photo: Abe farm

Our global vendor finance business is designed to respond to the diverse needs of clients around the world. That's why our staff are more than technical experts-they're also trained in understanding the intricacies of local markets.

We finance construction machinery, manufacturing equipment, transportation, industrial machinery, and IT equipment. We're always finding new ways to enhance solutions, expand trade areas, and provide better options for manufacturers and users.

Our global force is defined by technical knowledge leveraged at the local level

T o p i c 3

Global vendor financeT o p i c 2

Agriculture, forestry, and fisheries

Photo: MIRAI KYOUSOU FARM AKITA

The agricultural industry is at an important turning point. Businesses everywhere are recognizing the need to utilize advanced agricultural equipment and new marketing tactics to expand operations from production to a finished product.

SMFL is helping dedicated farmers achieve success with our "Agri-Assist Program," which provides leasing plans and capital investment designed to scale agricultural operations up to more advanced businesses.

SMFL plants the seeds of expansion for farmers in Japan

Photo: NIKI Hills Village Co., Ltd.

07 08

Kuala Lumpur

Beijing

Shanghai

Hong Kong

Guangzhou

Bangkok

Singapore

Jakarta

Amsterdam

Wernau（DMG MORI Finance）

Chengdu

TokyoOsaka

Dublin

London

New YorkSan Francisco

Kobe

Sapporo

Morioka

Sendai

Mito

Tokyo

Saitama

Yokohama

Shizuoka

Hamamatsu

Nagoya

Kyoto

Osaka

Himeji

Okayama

Hiroshima

Kitakyusyu

Fukuoka

Kagoshima

NahaTakamatsu

OotaMatsumoto

Toyama

Kanazawa

Niigata

We support the business development of clients around the world. With 15 offices in China, Southeast Asia, Europe and the US, we have a network that always works for you.Domestically sourced experts ensure a local perspective that lets you hit the ground running with a variety of services ideally matched to the target market. And as the market changes, so do we — offering not only financial products and leasing options, but also sound advice to take advantage of business opportunities as they arise. From well-established businesses eager for expansion to fresh startups yearning for growth, we work with all —efficiently and with SMFL confidence.

Meeting diverse needs is our specialty.Fast. Worldwide.

Global Network

09 10

CHINA

Sumitomo Mitsui Finance and Leasing (China) Co., Ltd.

Shanghai Sumitomo Mitsui General Finance and Leasing Co., Ltd.

10th Floor, Gopher Center, 757 Mengzi Road, Huangpu District, Shanghai, China

TEL : +86-21-5396-5522FAX: +86-21-5396-5552

Shanghai

Shanghai Sumitomo Mitsui Finance and Leasing Co., Ltd.Room 723, 7/F, No. 6 Ji Long Rd,China (Shanghai) Pilot Free Trade Zone, Shanghai 200131, China

TEL: +86-21-5065-6052

Unit 2302, TaiKoo Hui Tower 1,385 Tianhe Road, Tianhe District, Guangzhou, China

TEL: +86-20-8755-0021FAX: +86-20-8755-0422

Guangzhou

HONG KONG

Sumitomo Mitsui Finance and Leasing (Hong Kong) Ltd.Unit 4206-8, 42/F, Sunlight Tower, 248 Queen’s Road East, Wanchai, Hong Kong

TEL: +852-2523-2280FAX: +852-2840-1041

SINGAPORE

Sumitomo Mitsui Finance and Leasing (Singapore) Pte. Ltd.152 Beach Road, 21-05 Gateway East, Singapore 189721

TEL : +65-6224-2955FAX: +65-6225-3570

THAILAND

SMFL Leasing (Thailand) Co., Ltd.30th Floor, Q. House Lumpini Building,1 South Sathorn Road, Tungmahamek, Sathorn, Bangkok 10120, Thailand

TEL : +66-2-677-7400FAX: +66-2-677-7413

MALAYSIA

SMFL Leasing (Malaysia) Sdn. Bhd.Suite 16D, Level 16, Vista Tower, The Intermark No. 348, Jalan Tun Razak, 50400 Kuala Lumpur, Malaysia

TEL : +60-3-2710-0170FAX: +60-3-2710-0177

SMFL Offices outside Japan

Group Companies

USA

666 Third Avenue, New York, NY 10017, U. S. A.

TEL: +1-212-224-5201

New York

951 Mariners Island Boulevard, Suite 300, San Mateo, CA 94404, U.S.A.

TEL: +1-650-378-1321

San Francisco

EUROPE

99 Queen Victoria Street, London EC4V 4EH, U.K.

TEL : +44-20-7786-1000FAX: +44-20-7786-1749

London, UK

IFSC House, IFSC, Dublin 1, Ireland

TEL : +353-1-859-9000FAX: +353-1-859-9230

Dublin, Ireland

SMFL Japanese Operations

Head Office

1-3-2, Marunouchi, Chiyoda-ku, Tokyo 100-8287 Japan

TEL: +81-3-5219-6400

Tokyo Head Office2-1-1, Hitotsubashi,Chiyoda-ku, Tokyo 101-0003 Japan

Tokyo Takebashi Office3-10-19, Minami-senba, Chuo-ku, Osaka 542-0081Japan

TEL: +81-6-6282-2828

Osaka Head Office

Formerly known as GE Japan GK, it provides financial solutions for a variety of businesses in different industries.Its services range from finance leasing of machinery and equipment to automobile leases and life insurance.

A joint-venture between SMFL and Marubeni, its primary operation is focused on trade involving Marubeni’s major group companies. It specializes in overseas trading as well as financing for livestock.

Formerly the lease and rental division of Sony Finance International, it manages the sales finance of Sony-manufactured equipment for broadcasting and other commercial uses. It has been part of the SMFL Group since 2010.

INDONESIA

PT. SMFL Leasing IndonesiaMenara BTPN, 31st Floor, Jl. Dr. Ide Anak Agung Gde Agung, Kav. 5.5 - 5.6 Mega Kuningan, Jakarta Selatan 12950, Indonesia

TEL : +62-21-8062-8710FAX: +62-21-8062-8719

Unit 3001-3007, 30F, North Tower, Beijing Kerry Centre, 1 Guanghua Road, ChaoyangDistrict, Beijing, China

TEL : +86-10-8529-7887FAX: +86-10-8529-7687

Beijing

Room 2002, YanLord Landmark, No.1,Section 2, Renmin South Road, Chengdu, China

TEL : +86-28-8691-7181 FAX:+86-28-8691-3181

Chengdu

Global Directory

11 12

Note: To boost collective growth, the auto leasing business previously owned by SMFL Capital will be transferred to Sumitomo Mitsui Auto Service Company, Limited.

New shareholders’ratio 50%50%

Shareholders’ ratio: 0%→26％

Shareholders’ ratio: 60%→68％

SMFL is proud of the vision we shares with our customers and partners: a vision defined by mutual growth, and a strong spirit of collaboration, now and far into the future.

This year we celebrate the 50th anniversary of our leasing business, established by a merger of separate companies, launched by two forerunners of the industry in 1968. Our customers are not only essential to our longstanding success-they are responsible for it. For that, we are more than grateful. We will continue to show our appreciation by proactively addressing and solving the various needs and challenges faced by our customers for the next 50 years, and more.

To accomplish this, SMFL will leverage the strength and stability of its parent companies, SMBC Group and Sumitomo Corporation Group, providing the best solutions for our customers. Through the determination to grow our wide range of services and their successful implementation, we hope the trust customers place in us will also continue to grow.

Alongside our customers and partners, we look forward to successfully realizing goals, solving challenges, and exceeding expectations.

Masaki Tachibana, President

We are reorganizing our operations to sustain growth and provide solutions that go above and beyond. The coming years will be no different. Sumitomo Mitsui Financial Group and Sumitomo Corporation will change their shareholders’ ratios in order to enhance all aspects of our leasing businesses. SMFL Capital will be integrated into SMFL. At the same time, SMFL will strengthen operations in auto leasing by working together with Sumitomo Mitsui Auto Service and reinforce the aviation leasing business. Expect this year to be a big step forward. Note: Changes contingent are on approval from relevant authorities, both in Japan and overseas.

Ensuring future growth

The SMFL Group’s strength and stability support our drive to respond to customer needs, always.

＋

Top Message

14

3/18

2,185.0

97.6

3/18

Gross profit Ordinary profit/ROAOrdinary profit ROA

Operating assets/Overseas ratio Net assets/Equity ratio

(in billions of yen) (%)

Contract execution volume/Overseas ratio

(in billions of yen) (%)

Operating assets Overseas ratio

Net assets Equity ratio

Contract execution volume Overseas ratio

Profit attributable to owners of parent ROE

(in billions of yen)

0

50

100

200

150

(in billions of yen) (%)

0

1,000

2,000

3,000

4,000

5,000

(in billions of yen)(in billions of yen)

0

20

40

60

80

100

(%)

0

0.5

1.0

1.5

2.0

2.5

0

10.0

20.0

30.0

40.0

50.0 1,000

800

200

400

600

0

25.0 50.0

20.0

15.0

10.0

5.0

0

2,500

2,000

1,500

1,000

500

0

40.0

30.0

20.0

10.0

0

0

10

20

30

40

60

50

2.0

4.0

(%)

0

6.0

8.0

10.0

12.0

3/18

184.8

3/18

54.5

3/18

4,795.9

3/18

824.6

The U.S. dollar amounts represent conversions, for convenience only, of yen amounts at the rate of ¥106.25=US$1.00.

Operating ResultsRevenues

Gross profit

Ordinary profit

Financial ConditionTotal assets

Operating assets

Interest-bearing debt

Net assets

Operating IndicatorsReturn on equity (ROE)

Return on assets (ROA)

Equity ratio

3/2018

15,273.61,740.1

918.9

513.4

53,298.745,138.439,997.8

7,760.9

3/2017

1,622.8184.8

97.6

54.5

5,662.94,795.94,249.7

824.6

7.8%1.7%

12.6%

1,420.4176.4

90.4

50.4

5,601.64,897.54,192.1

779.3

7.7%1.7%

12.1%

Profit attributable to owners of parent

Profit attributable to owners of parent/ROE

www.smfl.co.jp/english/corporate/finance/For more financial data, please visit our website.

(in billions of yen) (in millions of dollars)

¥101.6B

¥8.4B ¥7.2B¥4.1B

¥45.3B ¥7.6B

Directors (excluding Members of the Board of Directors)

Senior Managing Director Atsushi KurodaManaging Directors Takayuki Nishimaki Yukio Hiratoko Hisayoshi Masawaki Tetsuya Nishikawa Tatsurou Terada Takeshi Murata Koichiro Yase Shinichiro WatanabeDirectors Akira Kawamoto Tomomichi Kuraoka Seiichi Kometani

Directors Yoshinori Ebihara Osamu Oshida Daisuke Ohashi Toshifumi Aikawa Etsuji Honda Mineo Suehiro Hiroo Sugai Hirotsugu Harada Yasuhiro Maei Takumi Jouan Hiroshi Sugimoto

Members of the Board of Directors

Senior Managing Directors Yuichiro Ueda Minami Aida Takehisa Ikeda Koji Isaka Koichi Katoh

Managing DirectorDirectors

Reiji MorookaJun OhtaShoichiro Oka

A veteran of Sumitomo Corporation since 1975 and with a wealth of experience in the international business arena, Mr. Togashi brings to the Board unique insights and perspectives. His long career in the metals industry, including top management positions with Sumitomo Corporation and Sumisho Steel Corporation, has instilled in him a firm conviction that steel is the foundation of manufacturing. Mr. Togashi has a flair for languages, having studied both English and Russian, and is an avid traveler and golfer.

Kazuhisa TogashiChairman of the Board

Masaki Tachibana has nearly four decades of experience in human resources, corporate banking and international relations, including working in the United States. He began his career with Sumitomo Bank in 1980 and has held several leadership positions with Sumitomo Mitsui Banking Corporation (SMBC), most recently Director and Deputy President. During his career at SMBC, he has built sincere, honest and personal relationships while guiding customers seeking financial leasing to SMFL. Mr. Tachibana has a passion for jogging and golfing.

Masaki TachibanaPresident

Corporate Auditors

Standing Corporate Manabu HosokawaAuditors Shimboku Hattori

Corporate Auditors

Osamu ItagakiKenji Murakami

3/2014

1,037.2130.0

77.2

41.2

4,176.33,612.33,067.4

651.9

7.3%1.9%

14.0%

3/20163/2015

1,152.0136.3

86.9

45.8

4,601.03,983.73,390.3

714.6

7.5%2.0%

13.7%

1,147.8141.7

81.0

45.5

4,736.84,192.63,472.1

728.8

7.2%1.7%

13.5%

3/17

176.4

3/14 3/15

136.3130.0

3/16

141.7

90.4

3/17

86.9

3/14 3/15

77.2 81.0

3/16

0.0 pt

3/14 3/15

45.841.2

3/16

45.5

3/17

50.4

3/14 3/15

3,983.73,612.3

3/16

4,192.6

3/17

1.4 pt

3/14 3/15

714.6651.9

3/16

728.8

3/17

779.3

0.5 pt

3/17

2,192.6

3/14 3/15

1,767.01,865.8

3/16

1,994.8

1.5 pt

4,897.5

0.1 pt

Executive Team Financial Highlights

15 16

entered the leasing business in May 1968.

Sumisho Lease(former Sumisho Lease Kosan)

was established in September 1968.

SMBC Leasing(former Sogo Lease)

Acquires Nichiere Co., Ltd.3 as a consolidated subsidiary to strengthen rental business

DEC 2008

Acquires AJCC Corporation4 from equity-method affiliate as a consolidated subsidiary

JUN 2009

Merges Sumigin Rex Co., Ltd. and Nichiere Co., Ltd. to form Nexrent Corporation3

JUL 2009

Enters Indonesian market with establishment of PT. SMFLLeasing Indonesia

JAN 2010

Joins Sumitomo Mitsui Banking Corporation and Sumitomo Corporation to purchaseaircraft leasing business9 from Royal Bank of Scotland Group PLC

JUN 2012

Opens branch office in Beijing10 to expand business in China

DEC 2012

Opens branch office in Chengdu11 to expand businessin China

JUN 2013

Opens New York branch office and San Francisco office

OCT 2014

Establishes a subsidiary in the China’s Shanghai Pilot FreeTrade Zone

DEC 2014

Acquires DMG MORI Finance GmbH as a consolidatedsubsidiary

DEC 2015

Acquires SFI Leasing Co., Ltd. as a consolidated subsidiary

NOV 2010

Merges Just-In Rentec Co., Ltd. and Nexrent Corporation to form SMFL RentalCo., Ltd.

OCT 2013

Acquires GE Japan GK (currently SMFL Capital Co., Ltd.) as a consolidated subsidiary

APR 2016

Sumisho Lease Co., Ltd.and SMBC Leasing Co., Ltd. merge,creating Sumitomo MitsuiFinance and Leasing Co., Ltd.

OCT 2007

4 Currently AJCC Co., Ltd.5 Currently Sumitomo Mitsui Finance and Leasing (Singapore) Pte. Ltd.6 Currently Sumitomo Mitsui Finance and Leasing (China) Co., Ltd.

10 Part of Sumitomo Mistui Finance and Leasing (China) Co., Ltd.11 Part of Shanghai Sumitomo Mitsui General Finance and Leasing Co., Ltd.

1 Currently SMFL Leasing (Thailand) Co., Ltd.2 Currently MG Leasing Corporation3 Currently SMFL Rental Co., Ltd.

7 Currently SMFL Leasing (Malaysia) Sdn. Bhd.8 Currently Shanghai Sumitomo Mitsui General Finance and Leasing Co., Ltd.9 Currently SMBC Aviation Capital (a conglomerate of firms)

1970 1980 1990 2000

Sumisho LeaseHistory

SMBC Leasing History

Partners with different businesses to form strategic alliances and solidify business foundation

1970s

Exceeds ¥10 billion in contractexecution volume for first time

FY 1971

Changes name to Sumisho Lease Co., Ltd.; begins operations by leasing out milling machines

OCT 1969

Begins sales of used semiconductor manufacturing equipment obtained from expired leases

1994

Becomes the first company in Japan to begin leasing semiconductor manufacturing equipment

1993Acquires Just-In Rentec Co., Ltd.3 as a consolidated subsidiary to expand business for rental of computers and healthcare equipment

MAY 2005

Establishes SumishoLeasing (Thailand) Co.,Ltd.1

MAR 2003

acquires Marubeni General LeasingCorporation2 as a consolidated subsidiary

Obtains listing in First Section of theTokyo Stock Exchange

MAR 1989

Note: Delisted in June 2007

Changes name to SMBC Leasing Co., Ltd.SEP 2001

Merged with Sakura Lease Co., Ltd.OCT 2003

Establishes Sumigin Rex Co., Ltd. to expand business for rental of measuring instruments

DEC 1996

Opens Nagoya branch office, followed by eight other offices in the1970s throughout Japan

JUL 1972

Establishes The Hong Kong General Lease Co., Ltd.

AUG 1972Opens branch office in Shanghai8 to expandbusiness in China

JUL 2007

Establishes SB Leasing(Malaysia) Sdn. Bhd.7 tostrengthen business inSoutheast Asia

MAR 1997Establishes SB Leasing (Guangzhou) Co., Ltd.,6 a key group company in China

SEP 1996

Opens branch offices throughoutKansai and Kanto regions tostrengthen domestic business

1980s

Enters Southeast Asian market with establishment of The General Lease (Singapore) Pte. Ltd.5

MAY 1980

Obtains listing in Second Section of the Osaka Securities Exchange

NOV 1983

Tozai Kogyo Co., Ltd., was established

FEB 1963

Obtains listing in First Section of the Osaka Securities Exchange

SEP 1988

Joins Green Hospital Supply Inc. to establish Hospital Supply Japan Co., Ltd.

JUL 2014

History of SMFL

17 18

www.smfl.co.jp/english/

2018.8

Tokyo Head Office　1-3-2, Marunouchi, Chiyoda-ku, Tokyo 100-8287, Japan　 TEL: +81-3-5219-6400Osaka Head Office　3-10-19, Minami-senba, Chuo-ku, Osaka 542-0081, Japan　 TEL: +81-6-6282-2828