Sumitomo Mitsui: CET1 12.53% and A514.48tr Total Capital (Jun 30, 2025)

Rhea-AI Filing Summary

Sumitomo Mitsui Financial Group reported capital ratios as of June 30, 2025 showing stable capital positions across the group. On a consolidated basis the total capital ratio was 15.39%, up 0.21 percentage points from March 31, 2025, with total capital of A514,479.0 billion, risk-weighted assets of A594,057.1 billion, and a leverage ratio of 5.25% (up 0.24 points).

Sumitomo Mitsui Banking Corporation results: on a consolidated basis total capital ratio was 17.00% and common equity Tier 1 was 12.49%; on a non-consolidated basis total capital ratio was 15.51% with total capital of A511,387.6 billion and a leverage ratio of 4.72%. Additional capital structure details are available on the company website.

Insights

Financial Analyst

TL;DR: Group-level capital ratios are healthy and ticked up modestly quarter-over-quarter.

The consolidated total capital ratio improved to 15.39% from 15.18%, driven by an increase in total capital of A5334.9 billion while risk-weighted assets rose by A5940.0 billion. The leverage ratio strengthened to 5.25%, suggesting incremental balance-sheet resilience. Movements are modest and appear driven by capital changes rather than dramatic shifts in risk-weighted assets, implying steady capitalization without material capital-raising or depletion events in the quarter.

Risk Analyst

TL;DR: Capital buffers remain above typical regulatory minima with small quarter-on-quarter shifts.

Common equity Tier 1 for the group rose slightly to 12.53%, supporting loss-absorbing capacity. SMBC consolidated CET1 was essentially flat at 12.49%, while non-consolidated ratios improved notably (total capital ratio 15.51%). Risk-weighted assets movements were mixed across entities, indicating portfolio composition or modeling impacts; changes are not large enough to signal heightened solvency risk based on the disclosed figures.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 6-K

REPORT OF FOREIGN PRIVATE ISSUER

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

THE SECURITIES EXCHANGE ACT OF 1934

For the month of August 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/ Jun Okahashi
		Name:		Jun Okahashi
		Title:		Executive Officer & General Manager, Financial Accounting Dept

Date: August 14, 2025

Capital Ratio as of June 30, 2025

TOKYO, August 14, 2025 --- Sumitomo Mitsui Financial Group, Inc. announced today capital ratios and the related information as of June 30, 2025.

I. Sumitomo Mitsui Financial Group (on a consolidated basis)

    (BIS guidelines) (Billions of yen, except ratios)

						June 30,  2025								March 31,  2025
										Change
		(1)		Total capital ratio (4) / (7)			15.39	%			0.21	%			15.18	%
		(2)		Tier 1 capital ratio (5) / (7)			14.53	%			0.30	%			14.23	%
		(3)		Common equity Tier 1 capital ratio (6) / (7)			12.53	%			0.09	%			12.44	%
		(4)		Total capital			¥ 14,479.0			¥	334.9				¥ 14,144.1
		(5)		Tier 1 capital			13,673.5				414.7				13,258.8
		(6)		Common equity Tier 1 capital			11,794.7				209.6				11,585.1
		(7)		Risk weighted assets			94,057.1				940.0				93,117.1
		(8)		Required capital (7) X 8%			7,524.6				75.2				7,449.4
		(9)		Leverage Ratio			5.25	%			0.24	%			5.01	%

II. Sumitomo Mitsui Banking Corporation (on a consolidated basis)

    (BIS guidelines) (Billions of yen, except ratios)

						June 30,  2025								March 31,  2025
										Change
		(1)		Total capital ratio (4) / (7)			17.00	%			0.22	%			16.78	%
		(2)		Tier 1 capital ratio (5) / (7)			15.59	%			0.27	%			15.32	%
		(3)		Common equity Tier 1 capital ratio (6) / (7)			12.49	%			(0.01	)%			12.50	%
		(4)		Total capital			¥ 13,760.9			¥	167.6				¥ 13,593.3
		(5)		Tier 1 capital			12,617.6				206.9				12,410.7
		(6)		Common equity Tier 1 capital			10,107.6				(22.3	)			10,129.9
		(7)		Risk weighted assets			80,909.5				(98.9	)			81,008.5
		(8)		Required capital (7) X 8%			6,472.8				(7.9	)			6,480.7
		(9)		Leverage Ratio			5.22	%			0.12	%			5.10	%

III. Sumitomo Mitsui Banking Corporation (on a non-consolidated basis)

    (BIS guidelines) (Billions of yen, except ratios) 

						June 30,  2025								March 31,  2025
										Change
		(1)		Total capital ratio (4) / (7)			15.51	%			0.79	%			14.72	%
		(2)		Tier 1 capital ratio (5) / (7)			13.84	%			0.81	%			13.03	%
		(3)		Common equity Tier 1 capital ratio (6) / (7)			10.48	%			0.47	%			10.01	%
		(4)		Total capital			¥ 11,387.6			¥	555.3				¥ 10,832.3
		(5)		Tier 1 capital			10,156.5				566.7				9,589.8
		(6)		Common equity Tier 1 capital			7,696.6				331.4				7,365.2
		(7)		Risk weighted assets			73,384.5				(172.0	)			73,556.5
		(8)		Required capital (7) X 8%			5,870.8				(13.8	)			5,884.5
		(9)		Leverage Ratio			4.72	%			0.31	%			4.41	%

Information on capital structure of Sumitomo Mitsui Financial Group, Inc. and Sumitomo Mitsui Banking Corporation are available on our website at https://www.smfg.co.jp/english/investor/financial/basel_3.html

FAQ

What were SMFG's consolidated total capital and CET1 ratios as of June 30, 2025?

Total capital ratio: 15.39%. Common equity Tier 1 (CET1): 12.53%.

How did SMFG's capital ratios change versus March 31, 2025?

Total capital ratio increased by 0.21 percentage points and CET1 increased by 0.09 percentage points on a consolidated basis.

What is SMFG's consolidated leverage ratio at June 30, 2025?

Leverage ratio (consolidated): 5.25%, an increase of 0.24 percentage points from March 31, 2025.

What were SMBC's consolidated capital metrics as of June 30, 2025?

SMBC consolidated total capital ratio: 17.00%. SMBC consolidated CET1: 12.49%.

Where can I find more detailed capital structure information for SMFG?

The filing notes additional capital structure details are available at https://www.smfg.co.jp/english/investor/financial/basel_3.html.