toring, management information systems consulting, collection and investment banking services. This business unit also provides various products and services. Services for Globalizing Corporations-In light of the recent overseas expansion trend, the company focuses on offering products and services whereby the company assists those customers entering new markets, especially in China and other Asian countries, and accommodates an increase in their international trade operations. Loan Products and Services to Promote Socially Responsible Activities-The company provides various loan products and services designed for corporate clients engaging in socially responsible activities. These activities include environmentally friendly activities, improvement of eating habits, development of agricultural and fishery industries, and development of risk management systems for emergency situations. Services to Promote B-to-B Transactions-The company, with its subsidiaries and affiliates, provides various internet settlement services to meet its customers’ needs. It has promoted these services to stimulate greater demand for its solutions business. Retail Banking Unit The company's Retail Banking Unit provides financial services to both consumers residing in Japan and domestic small-sized companies. For consumers, this business unit offers a range of financial services, including personal bank accounts, deposit products, such as ordinary deposits, time deposits and foreign currency deposits, and various products and services through various channels. Housing Loans. Housing loans, which are principally secured by collateral or supported by guarantees, are one of the primary products offered by this business unit. The company provides housing loans with various terms and interest rates, including 2- to 35-year term, fixed-rate loans, to meet diversified customer needs. Investment Trust-The company, as a broker, provides various investment trust products with varying risk-return profiles that are developed and managed by experienced asset management companies within Japan and overseas. Also, the company, together with its subsidiary SMBC Nikko Securities, offers discretionary investment management services. Insurance Products-The company, as an agent, offers pension-type insurance, whereby customers who make all premium payments are able to receive annuity payments when they reach a certain age. The bank, as an agent, also sells a range of insurance products, including medical insurance, juvenile insurance, home fire insurance, single-premium whole life insurance and level-premium life insurance. Consumer Finance Services-The company offers various consumer loan products, such as unsecured card loan products to its individual customers. In addition, the company is promoting the collaboration with its subsidiary SMBC Nikko Securities to meet customers’ needs for asset management. The operations are mainly conducted through a large branch network. The company had a domestic network consisting of 440 branch offices at March 31, 2016, majority of which were located in the Tokyo and Osaka regions. Some branches provide financial consulting services for asset management and housing loans during extended hours, including weekday evenings, weekends and national holidays. The company also operates a network of ATMs in Japan. As of March 31, 2016, the bank offered its customers’ access to 53,284 ATMs, some of which are its ATMs and the majority of which are ATMs made available through arrangements with other ATM providers, such as convenience store chains. This business unit also offers Internet banking services for consumers. As of March 31, 2016, the company’s Internet banking services had approximately 14 million registered users. The users are able to transfer funds, perform balance inquiries, make time deposits and foreign currency deposits, and buy and sell investment trusts over the Internet, as well as over the mobile phone or the traditional telephone. For small-sized companies, this business unit provides various financial products and services to address in the same place business owners’ needs
sumitomo mitsui financial gr
1-2, Marunouchi 1-chome
Phone: 81 3 3282 8111
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