Sumitomo Mitsui corrects March capital-ratio figures

Available on EDGAR 11/13/2026 - 06:16 AM EST Accepted by SEC EDGAR 11/13/2026 - 06:16 AM EST Learn about SEC filing dates

Rhea-AI Filing Summary

Sumitomo Mitsui Financial Group, Inc. corrected its capital-ratio table for June 30, 2026, revising the March 31 comparison figures and the reported changes. SMFG’s June 30 consolidated ratios remain 16.24% total capital, 15.04% Tier 1, 12.63% common equity Tier 1 and 5.25% leverage. The corrected changes from March 31 are 0.64%, 0.63%, 0.31% and 0.27%, respectively.

For Sumitomo Mitsui Banking Corporation, corrected changes were 0.92%, 0.93%, 0.63% and 0.30% on a consolidated basis, and 0.70%, 0.71%, 0.40% and 0.25% on a non-consolidated basis, for total capital, Tier 1, common equity Tier 1 and leverage ratios, respectively.

Filing Explained

This report is incorporated by reference into SMFG’s Form F-3 prospectus from November 13, 2026, unless later reports supersede it, placing the corrected capital-ratio disclosure in that prospectus.

Key Figures

SMFG consolidated total capital ratio change: 0.64% SMFG consolidated Tier 1 capital ratio change: 0.63% SMFG consolidated common equity Tier 1 capital ratio change: 0.31% +5 more

8 metrics

SMFG consolidated total capital ratio change 0.64% Corrected change from March 31 to June 30, 2026

SMFG consolidated Tier 1 capital ratio change 0.63% Corrected change from March 31 to June 30, 2026

SMFG consolidated common equity Tier 1 capital ratio change 0.31% Corrected change from March 31 to June 30, 2026

SMFG consolidated leverage ratio change 0.27% Corrected change from March 31 to June 30, 2026

Sumitomo Mitsui Banking Corporation consolidated total capital ratio change 0.92% Corrected change from March 31 to June 30, 2026

Sumitomo Mitsui Banking Corporation consolidated Tier 1 capital ratio change 0.93% Corrected change from March 31 to June 30, 2026

Sumitomo Mitsui Banking Corporation consolidated common equity Tier 1 capital ratio change 0.63% Corrected change from March 31 to June 30, 2026

Sumitomo Mitsui Banking Corporation consolidated leverage ratio change 0.30% Corrected change from March 31 to June 30, 2026

Key Terms

BIS guidelines, Common equity Tier 1 capital ratio, Risk weighted assets, Leverage Ratio, +2 more

6 terms

BIS guidelines regulatory

"(BIS guidelines)"

Common equity Tier 1 capital ratio financial

"Common equity Tier 1 capital ratio (6) / (7)"

A bank’s common equity tier 1 (CET1) capital ratio measures the size of its strongest loss-absorbing capital—mainly common shares and retained earnings—relative to the bank’s assets after adjusting those assets for how risky they are (riskier loans count more). Think of it as the safety cushion compared with the weight of risky business; investors use it to judge a bank’s ability to survive losses, meet rules, and sustain dividends or growth.

Risk weighted assets financial

"Risk weighted assets"

Risk weighted assets (RWA) are a way banks and regulators treat different assets as if they carry different levels of risk, assigning each asset a weight based on how likely it is to lose value. Investors use RWA to judge how much capital a bank must keep on hand to absorb losses; higher RWA means the lender needs more capital and may have less room to lend or return money to shareholders. Think of it as packing fragile and sturdy items differently when calculating how much protective padding you need.

Leverage Ratio financial

"Leverage Ratio"

Leverage ratio measures how much a company relies on borrowed money compared with its own funds or assets, typically expressed as debt relative to equity or total assets. Like a homeowner with a mortgage, higher leverage can amplify returns when business is strong but also raises the chance of big losses or default if revenue falls, so investors use it to judge financial risk and resilience.

Required capital financial

"Required capital (7) X 8%"

Tier 1 capital financial

"Tier 1 capital"

Tier 1 capital is a bank’s core financial cushion—mainly common stock, retained earnings and certain reserves—that can absorb losses while the bank keeps operating. Investors care because it signals a lender’s ability to survive stress, meet regulatory requirements and continue lending or paying dividends; think of it as the engine’s safety margin that keeps a car running through bumps in the road.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What capital-ratio changes did SMFG report for June 30, 2026?

SMFG reported corrected changes of 0.64% in its total capital ratio, 0.63% in its Tier 1 capital ratio, 0.31% in its common equity Tier 1 capital ratio and 0.27% in its leverage ratio from March 31 to June 30, 2026. Its June 30 ratios were 16.24%, 15.04%, 12.63% and 5.25%, respectively.

What corrected capital-ratio changes did SMFG’s banking subsidiary report?

Sumitomo Mitsui Banking Corporation reported corrected changes of 0.92%, 0.93%, 0.63% and 0.30% on a consolidated basis, and 0.70%, 0.71%, 0.40% and 0.25% on a non-consolidated basis. The figures correspond, respectively, to total capital, Tier 1, common equity Tier 1 and leverage ratios.

AI-generated analysis. How Rhea-AI works. Not financial advice.

Form 6-K: How Foreign Companies Report to the SEC →

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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 November 2026

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/ Kunihito Takaichi
		Name: Kunihito Takaichi
		Title:  Executive Officer & General Manager,     Financial Accounting Dept.

Date:  November 13, 2026

November 13, 2026

Sumitomo Mitsui Financial Group Inc.

Corrections to the Capital Ratio as of June 30, 2026

TOKYO, November 13, 2026 — Sumitomo Mitsui Financial Group, Inc. announced today the following corrections to its “Capital Ratio as of June 30, 2026” disclosed on August 14, 2026. (Corrected items are underlined)

I. Reason for the corrections

Regarding reasons for corrections, please refer to the separate “Notice regarding the Filing of an Amendment Report for the Annual Securities Report for the Previous Fiscal Year and Corrections of Financial Results and Related Materials for Previous Fiscal Periods” dated today (November 13, 2026).

II. Corrected Sections

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

(Before correction)  (BIS guidelines)		(Billions of yen, except ratios)
		June 30, 2026								March 31, 2026
						Change
(1) Total capital ratio (4) / (7)			16.24	%			0.55	%			15.69	%
(2) Tier 1 capital ratio (5) / (7)			15.04	%			0.55	%			14.49	%
(3) Common equity Tier 1 capital ratio (6) / (7)			12.63	%			0.22	%			12.41	%
(4) Total capital		¥	16,591.3			¥	725.4			¥	15,865.9
(5) Tier 1 capital			15,363.6				707.8				14,655.9
(6) Common equity Tier 1 capital			12,901.1				357.2				12,544.0
(7) Risk weighted assets			102,128.2				1,050.0				101,078.2
(8) Required capital (7) X 8%			8,170.3				84.0				8,086.3
(9) Leverage Ratio			5.25	%			0.25	%			5.00	%
(After correction)  (BIS guidelines)		(Billions of yen, except ratios)
		June 30, 2026								March 31, 2026
						Change
(1) Total capital ratio (4) / (7)			16.24	%			0.64	%			15.60	%
(2) Tier 1 capital ratio (5) / (7)			15.04	%			0.63	%			14.41	%
(3) Common equity Tier 1 capital ratio (6) / (7)			12.63	%			0.31	%			12.32	%
(4) Total capital		¥	16,591.3			¥	807.7			¥	15,783.6
(5) Tier 1 capital			15,363.6				788.1				14,575.6
(6) Common equity Tier 1 capital			12,901.1				437.0				12,464.2
(7) Risk weighted assets			102,128.2				996.9				101,131.3
(8) Required capital (7) X 8%			8,170.3				79.8				8,090.5
(9) Leverage Ratio			5.25	%			0.27	%			4.98	%

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

(Before correction)  (BIS guidelines)		(Billions of yen, except ratios)
		June 30, 2026								March 31, 2026
						Change
(1) Total capital ratio (4) / (7)			18.17	%			0.83	%			17.34	%
(2) Tier 1 capital ratio (5) / (7)			16.26	%			0.84	%			15.42	%
(3) Common equity Tier 1 capital ratio (6) / (7)			12.86	%			0.54	%			12.32	%
(4) Total capital		¥	15,993.6			¥	819.9			¥	15,173.6
(5) Tier 1 capital			14,310.8				813.3				13,497.5
(6) Common equity Tier 1 capital			11,322.7				543.6				10,779.1
(7) Risk weighted assets			87,988.5				512.4				87,476.2
(8) Required capital (7) X 8%			7,039.1				41.0				6,998.1
(9) Leverage Ratio			5.24	%			0.28	%			4.96	%
(After correction)  (BIS guidelines)		(Billions of yen, except ratios)
		June 30, 2026								March 31, 2026
						Change
(1) Total capital ratio (4) / (7)			18.17	%			0.92	%			17.25	%
(2) Tier 1 capital ratio (5) / (7)			16.26	%			0.93	%			15.33	%
(3) Common equity Tier 1 capital ratio (6) / (7)			12.86	%			0.63	%			12.23	%
(4) Total capital		¥	15,993.6			¥	888.2			¥	15,105.4
(5) Tier 1 capital			14,310.8				881.5				13,429.3
(6) Common equity Tier 1 capital			11,322.7				611.8				10,710.9
(7) Risk weighted assets			87,988.5				434.0				87,554.6
(8) Required capital (7) X 8%			7,039.1				34.7				7,004.4
(9) Leverage Ratio			5.24	%			0.30	%			4.94	%

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

(Before correction)  (BIS guidelines)		(Billions of yen, except ratios)
		June 30, 2026								March 31, 2026
						Change
(1) Total capital ratio (4) / (7)			16.42	%			0.59	%			15.83	%
(2) Tier 1 capital ratio (5) / (7)			14.22	%			0.60	%			13.62	%
(3) Common equity Tier 1 capital ratio (6) / (7)			10.52	%			0.30	%			10.22	%
(4) Total capital		¥	13,214.3			¥	648.7			¥	12,565.6
(5) Tier 1 capital			11,438.2				631.4				10,806.7
(6) Common equity Tier 1 capital			8,467.0				352.3				8,114.7
(7) Risk weighted assets			80,429.0				1,097.2				79,331.8
(8) Required capital (7) X 8%			6,434.3				87.8				6,346.5
(9) Leverage Ratio			4.85	%			0.22	%			4.63	%
(After correction)  (BIS guidelines)		(Billions of yen, except ratios)
		June 30, 2026								March 31, 2026
						Change
(1) Total capital ratio (4) / (7)			16.42	%			0.70	%			15.72	%
(2) Tier 1 capital ratio (5) / (7)			14.22	%			0.71	%			13.51	%
(3) Common equity Tier 1 capital ratio (6) / (7)			10.52	%			0.40	%			10.12	%
(4) Total capital		¥	13,214.3			¥	731.1			¥	12,483.2
(5) Tier 1 capital			11,438.2				713.5				10,724.6
(6) Common equity Tier 1 capital			8,467.0				432.9				8,034.2
(7) Risk weighted assets			80,429.0				1,047.5				79,381.5
(8) Required capital (7) X 8%			6,434.3				83.8				6,350.5
(9) Leverage Ratio			4.85	%			0.25	%			4.60	%

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