Sumitomo Mitsui Financial Group (SMFG) corrects disclosed operating lease obligations

Rhea-AI Filing Summary

Sumitomo Mitsui Financial Group, Inc. has corrected previously reported Japanese GAAP figures for its non‑cancelable operating lease commitments as of March 31, 2023 and 2024. Future minimum lease payments due after one year for operating leases were revised from ¥186,778 million to ¥254,038 million for 2023 and from ¥184,207 million to ¥251,467 million for 2024. As a result, total future minimum lease payments were updated from ¥221,429 million to ¥288,690 million for 2023 and from ¥221,293 million to ¥288,553 million for 2024. Amounts due within one year, ¥34,651 million for 2023 and ¥37,086 million for 2024, remain unchanged.

Insights

Accounting and disclosure analyst

SMFG significantly increases disclosed future operating lease commitments by correcting prior figures.

The correction by Sumitomo Mitsui Financial Group raises disclosed non‑cancelable operating lease obligations due after one year from ¥186,778 million to ¥254,038 million for the year ended March 31, 2023, and from ¥184,207 million to ¥251,467 million for March 31, 2024. Total future minimum lease payments for those years are now ¥288,690 million and ¥288,553 million, respectively.

This change affects balance sheet and risk analysis for lease commitments, since higher minimum payments indicate larger long‑term obligations than previously disclosed. The near‑term portion due within one year, ¥34,651 million for 2023 and ¥37,086 million for 2024, is unchanged, so the adjustment is concentrated in longer‑dated leases.

When comparing leverage or fixed‑commitment measures across periods, users should base their assessment on these revised figures for the years ended March 31, 2023 and March 31, 2024, as they replace the earlier disclosed amounts.

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 6-K/A

REPORT OF FOREIGN PRIVATE ISSUER

PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE

SECURITIES EXCHANGE ACT OF 1934

For the month of December 2025

Commission File Number 001-34919

SUMITOMO MITSUI FINANCIAL GROUP, INC.

(Translation of registrant’s name into English)

1-2, Marunouchi 1-chome, Chiyoda-ku, Tokyo 100-0005, Japan

(Address of principal executive offices)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F:  Form 20-F ☒ Form 40-F ☐

THIS REPORT ON FORM 6-K SHALL BE DEEMED TO BE INCORPORATED BY REFERENCE INTO THE PROSPECTUS FORMING A PART OF SUMITOMO MITSUI FINANCIAL GROUP, INC.’S REGISTRATION STATEMENT ON FORM F-3 (FILE NO. 333-276219) AND TO BE A PART OF SUCH PROSPECTUS FROM THE DATE ON WHICH THIS REPORT IS FURNISHED, TO THE EXTENT NOT SUPERSEDED BY DOCUMENTS OR REPORTS SUBSEQUENTLY FILED OR FURNISHED.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

Sumitomo Mitsui Financial Group, Inc.
By:		/s/ Kazuyuki Anchi
		Name:  Kazuyuki Anchi
		Title:   Senior Managing Executive Officer Group Chief Financial Officer

Date: December 4, 2025

Information furnished on this form:

Correction to the Consolidated Japanese GAAP Financial Statements of Sumitomo Mitsui

Financial Group, Inc. as of and for the years ended March 31, 2023 and 2024

The registrant is furnishing this amendment for the purpose of correcting its report on Form 6-K that was originally furnished to the SEC on June 27, 2024 (the “Original 6-K”), to correct the following disclosure under “(Notes to lease transactions) 2. Operating leases.” The corrected portions have been underlined. Except as set forth below, no amendments to the Original 6-K are being made hereby.

(Excerpt from the Original 6-K prior to correction)

(1) Lessee side

Future minimum lease payments on operating leases which were not cancelable were as follows:

		Millions of yen
March 31		2023				2024
Due within 1 year		¥	34,651			¥	37,086
Due after 1 year			186,778				184,207
Total		¥	221,429			¥	221,293

(Excerpt from the Original 6-K as amended hereby)

(1) Lessee side

Future minimum lease payments on operating leases which were not cancelable were as follows:

		Millions of yen
March 31		2023				2024
Due within 1 year		¥	34,651			¥	37,086
Due after 1 year			254,038				251,467
Total		¥	288,690			¥	288,553

(End of Corrections)

FAQ

What did Sumitomo Mitsui Financial Group (SMFG) change in this 6-K/A?

Sumitomo Mitsui Financial Group corrected its previously reported Japanese GAAP disclosure of future minimum lease payments for non‑cancelable operating leases for the years ended March 31, 2023 and 2024, revising the amounts due after one year and the related totals.

How were SMFG's operating lease obligations for March 31, 2023 revised?

For March 31, 2023, the portion of operating lease payments due after one year was revised from ¥186,778 million to ¥254,038 million, increasing total future minimum lease payments from ¥221,429 million to ¥288,690 million.

How were SMFG's operating lease obligations for March 31, 2024 revised?

For March 31, 2024, operating lease payments due after one year were revised from ¥184,207 million to ¥251,467 million, and total future minimum lease payments were updated from ¥221,293 million to ¥288,553 million.

Did SMFG change the amounts of operating lease payments due within one year?

No changes were made to the near‑term portion. Future minimum lease payments due within one year remain ¥34,651 million for March 31, 2023 and ¥37,086 million for March 31, 2024.

What accounting basis is used for these corrected SMFG lease figures?

The corrected lease figures relate to the Consolidated Japanese GAAP Financial Statements of Sumitomo Mitsui Financial Group for the years ended March 31, 2023 and 2024.

Does this SMFG amendment change anything beyond the lease disclosure?

The amendment states that, apart from correcting the disclosure for future minimum lease payments on operating leases under the note on lease transactions, no other parts of the prior report are being amended.