Sumitomo Mitsui first-quarter profit rises sharply

Sumitomo Mitsui Financial Group reported higher consolidated results for the three months ended June 30, 2026.

Rhea-AI Filing Summary

Sumitomo Mitsui Financial Group reported higher consolidated results for the three months ended June 30, 2026. Consolidated gross profit was ¥1,403,446 million, an increase of ¥315,684 million from the same period in 2025, supported by growth in net interest income, fees, trading and other operating income. Ordinary profit rose from ¥483,337 million to ¥693,136 million, while profit attributable to owners of parent increased from ¥376,898 million to ¥501,372 million. Total comprehensive income attributable to owners improved to ¥729,864 million from ¥301,391 million.

Asset quality strengthened: consolidated non-performing loans declined to ¥1,148.9 billion, and the NPL ratio improved to 0.81% from 0.97%. At SMBC on a non-consolidated basis, domestic deposits reached ¥136,821.1 billion and loans and bills discounted ¥113,389.8 billion, both up from March 31, 2026. For the fiscal year ending March 31, 2027, the group forecasts profit attributable to owners of parent of ¥1,700,000 million, a 7.4% year-on-year increase, and earnings per share of ¥223.58, reflecting a two-for-one stock split and share repurchase. Dividend and earnings forecasts remain unchanged, and recently adopted financial instruments accounting standards had no material impact.

Positive

• Ordinary profit increased by ¥209,799 million year on year to ¥693,136 million for the three months ended June 30, 2026, reflecting higher net interest income, fees and trading results.
• Profit attributable to owners of parent rose by ¥124,473 million to ¥501,372 million, alongside an improvement in the consolidated NPL ratio to 0.81% from 0.97%.

Negative

• None.

Filing Explained

The filing links quarterly information into an F-3 prospectus; the two-for-one split remains scheduled for September 30, 2026, not completed.

As a Form 6-K, this July 31, 2026 report furnishes interim material information and states that the report is incorporated by reference into Sumitomo Mitsui Financial Group’s Form F-3 prospectus, subject to later superseding filings and stated exclusions.

The disclosed action is therefore prospectus incorporation, not a completed securities issuance or sale; the filing does not report offering proceeds or a transaction consideration.

The company’s previously resolved two-for-one common-stock split remains pending, with a September 30, 2026 record date; the filing does not state that the split has taken effect.

Separately, the share table reports 3,827,498,140 issued shares including treasury stock at both March 31, 2026 and June 30, 2026, while treasury stock rose from 10,632,119 to 29,290,201 shares and average shares for the quarter were 3,809,254,330.

Key Figures

Consolidated gross profit: ¥1,403,446 million Ordinary profit: ¥693,136 million Profit attributable to owners of parent: ¥501,372 million +5 more

8 metrics

Consolidated gross profit ¥1,403,446 million Three months ended June 30, 2026; up ¥315,684 million from 2025

Ordinary profit ¥693,136 million Three months ended June 30, 2026 consolidated ordinary profit

Profit attributable to owners of parent ¥501,372 million Three months ended June 30, 2026 consolidated profit attributable to owners

Full-year profit forecast ¥1,700,000 million Forecast profit attributable to owners of parent for fiscal year ending March 31, 2027

Forecast earnings per share ¥223.58 Fiscal year ending March 31, 2027 EPS forecast reflecting stock split and share repurchase

Consolidated NPL ratio 0.81% Non-performing loan ratio as of June 30, 2026, consolidated basis

Domestic deposits (SMBC) ¥136,821.1 billion SMBC non-consolidated domestic deposits as of June 30, 2026

Loans and bills discounted ¥119,758,243 million Consolidated loans and bills discounted as of June 30, 2026

Key Terms

stock split, Earnings per share, non-performing loans (NPLs), Net unrealized gains (losses) on other securities, +2 more

6 terms

stock split financial

"resolved to implement a stock split of its common stock at a ratio of two shares"

A stock split increases the number of a company's shares by dividing each existing share into multiple new shares while reducing the price per share by the same proportion, so an investor's total value and ownership percentage stay the same. It matters because lower per-share prices can make trading easier and attract more buyers, similar to breaking a large chocolate bar into smaller pieces to make it easier to share, which can boost liquidity and market interest.

Earnings per share financial

"Forecasted earnings per share is calculated by dividing the forecasted profit"

Earnings per share represent the amount of profit a company makes for each share of its stock, similar to how a pie’s total size can be divided into slices for each person. It helps investors understand how profitable the company is on a per-share basis, making it easier to compare its performance over time or against other companies. Higher earnings per share generally indicate better profitability and can influence a company's stock value.

non-performing loans (NPLs) financial

"Non-performing loans (NPLs) based on the Banking Act and the Reconstruction Act"

Net unrealized gains (losses) on other securities financial

"Net unrealized gains (losses) on other securities were 2,342,090"

interest spread financial

"Interest spread (a) - (b) was 1.31% for the three months ended June 30, 2026"

reserve for possible loan losses financial

"Provision for reserve for possible loan losses and gains on reversal of reserve"

FAQ

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

What were Sumitomo Mitsui Financial Group (SMFG)'s key profits for the quarter ended June 30, 2026?

SMFG recorded ordinary profit of ¥693,136 million and profit attributable to owners of parent of ¥501,372 million for the three months ended June 30, 2026, compared with ¥483,337 million and ¥376,898 million, respectively, in the prior-year period.

How did SMFG's Q1 fiscal performance change versus the previous year?

Consolidated gross profit rose by ¥315,684 million to ¥1,403,446 million, and consolidated net business profit increased by ¥178,029 million to ¥722,311 million. Profit attributable to owners of parent grew by ¥124,473 million to ¥501,372 million year on year.

What is SMFG's earnings forecast for the fiscal year ending March 31, 2027?

SMFG forecasts profit attributable to owners of parent of ¥1,700,000 million for the fiscal year ending March 31, 2027, representing a 7.4% increase from the previous fiscal year, with forecast earnings per share of ¥223.58. The earnings forecast is stated as unchanged.

What stock split has Sumitomo Mitsui Financial Group (SMFG) approved?

At a Board of Directors meeting on May 13, 2026, SMFG resolved to implement a two-for-one stock split of its common stock, with a record date of September 30, 2026. Forecast earnings per share already reflect the impact of this stock split and the share repurchase.

How did SMFG's asset quality and non-performing loans (NPLs) change?

Consolidated non-performing loans totaled ¥1,148.9 billion at June 30, 2026, down from ¥1,349.3 billion at March 31, 2026. The consolidated NPL ratio improved to 0.81% from 0.97%, while normal assets increased to ¥140,754.3 billion.

How did deposits and loans at SMBC evolve as of June 30, 2026?

On an SMBC non-consolidated basis, domestic deposits reached ¥136,821.1 billion, up ¥934.2 billion since March 31, 2026. Loans and bills discounted were ¥113,389.8 billion, an increase of ¥2,641.2 billion, with domestic offices and overseas accounts both contributing to growth.

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

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Table of Contents

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 OF THE

SECURITIES EXCHANGE ACT OF 1934

For the month of July 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, EXCEPT FOR ANY MATERIALS THEMSELVES INCORPORATED BY REFERENCE INTO INFORMATION FURNISHED IN THIS REPORT ON FORM 6-K AND THE STATEMENTS REGARDING OUR EARNINGS FORECAST UNDER THE CAPTION “3. EARNINGS FORECAST ON A CONSOLIDATED BASIS (FOR THE FISCAL YEAR ENDING MARCH 31, 2027).”

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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: July 31, 2026

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July 31, 2026

Sumitomo Mitsui Financial Group, Inc. Consolidated Financial Results for the three months ended June 30, 2026 <Under Japanese GAAP>

Head Office: 1-2, Marunouchi 1-chome, Chiyoda-ku, Tokyo, Japan

Stock Exchange Listings: Tokyo Stock Exchange, Nagoya Stock Exchange, New York Stock Exchange

URL: https://www.smfg.co.jp/english/

President: Toru Nakashima

Investors meeting presentation for financial results: Not scheduled

Note: Amounts less than one million yen have been rounded down.  

1. Consolidated financial results (for the three months ended June 30, 2026)

 (1) Operating results

(Millions of yen, except per share data and percentages) 

						Ordinary income								Ordinary profit								Profit attributable to owners of parent
Three months ended June 30, 2026							¥ 2,850,426				16.6	%		¥	693,136				43.4	%		¥	501,372				33.0	%
Three months ended June 30, 2025							2,444,404				(3.1	)			483,337				(7.2	)			376,898				1.5
Notes:		1.		Comprehensive income:
				(a) for the three months ended June 30, 2026:  ¥   731,004 million [140.8%]
				(b) for the three months ended June 30, 2025:  ¥   303,569 million [(42.6)%]
		2.		Percentages shown in ordinary income, ordinary profit, profit attributable to owners of parent and comprehensive income are the increase (decrease) from the same period in the previous fiscal year.
						Earnings per share								Earnings per share  (Diluted)
Three months ended June 30, 2026							¥ 131.62								¥ 131.59
Three months ended June 30, 2025							97.46								97.44
(2) Financial position
														(Millions of yen, except percentages)
						Total assets								Net assets								Net assets ratio
As of June 30, 2026							¥ 327,469,563								¥ 16,240,701								4.9%
As of March 31, 2026							328,511,145								15,933,144								4.8
Notes:		1.		Stockholders’ equity:
				(a) as of June 30, 2026: ¥ 16,098,760 million  (b) as of March 31, 2026: ¥ 15,785,457 million
		2.		Net assets ratio = {(Net assets – stock acquisition rights – non-controlling interests) / total assets} X 100

2. Dividends on common stock

(Yen) 

		Cash dividends per share
		1st quarter				2nd quarter				3rd quarter				4th quarter				Annual
Fiscal year ended March 31, 2026			¥ —				¥ 78.00				¥ —				¥ 79.00				¥ 157.00
Fiscal year ending March 31, 2027 Before considering the stock split			—
(After considering the stock split)			—
Fiscal year ending March 31, 2027 Forecast/Before considering the stock split							90.00				—				90.00				180.00
(Forecast/After considering the stock split)							90.00				—				45.00				—

Notes:		1.		Dividend forecast remains unchanged.
		2.		At a meeting of the Board of Directors held on May 13, 2026, the Company resolved to implement a stock split of its common stock at a ratio of two shares for each share, with a record date of September 30, 2026.

3. Earnings forecast on a consolidated basis (for the fiscal year ending March 31, 2027)

(Millions of yen, except per share data and percentage) 

				Profit attributable to owners of  parent				Earnings per share
Fiscal year ending March 31, 2027				¥ 1,700,000		7.4%		¥ 223.58

Notes:		1.		Earnings forecast remains unchanged.
		2.		Percentage shown in profit attributable to owners of parent is the increase (decrease) from the previous fiscal year.
		3.		Forecasted earnings per share is calculated by dividing the forecasted profit attributable to owners of parent by the number of issued common stock. The number of common stock shares used as the basis for this calculation is the average of “the number of issued common stock shares at the beginning of the year (excluding treasury stock)” and “the expected number of issued common stock shares at the end of the year (excluding treasury stock).” At a meeting of the Board of Directors held on May 13, 2026, the Company resolved to implement a stock split and a repurchase of its own shares. Forecasted earnings per share reflects the impact of the stock split and the repurchase of its own shares.

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[Notes]
(1) There was a change in material consolidated subsidiaries during the period. Excluded: 1 company (JRI Holdings, Limited)
(2) Special accounting methods used for preparing quarterly consolidated financial statements were adopted.
Note: For more details, see page 5 “3. Notes to quarterly consolidated financial statements.”
(3) Changes in accounting policies, changes in accounting estimates and restatements
(a) Changes in accounting policies due to application of new or revised accounting standards		: No
(b) Changes in accounting policies due to reasons other than above (a)		: Yes
(c) Changes in accounting estimates		: No
(d) Restatements		: No
Note: For more details, see page 5 “3. Notes to quarterly consolidated financial statements.”
(4) Number of shares issued (common stock)

		As of June 30, 2026				As of March 31, 2026
(a) Number of shares issued (including treasury stock)		3,827,498,140 shares				3,827,498,140 shares
(b) Number of treasury stock		29,290,201 shares				10,632,119 shares
		Three months ended  June 30, 2026				Three months ended  June 30, 2025
(c) Average number of shares issued during the period		3,809,254,330 shares				3,867,113,836 shares

  Note:   The Company has introduced a “Stock grant trust for employees” (hereinafter, the “Trust”), and the shares of the Company held by the Trust are included in the number of treasury stock to be deducted when calculating both the number of treasury stock and the average number of shares issued during the period.

[Note on quarterly review process]

The external auditor’s review of the quarterly consolidated financial statements : No

This document contains “forward-looking statements” (as defined in the U.S. Private Securities Litigation Reform Act of 1995), regarding the intent, belief or current expectations of Sumitomo Mitsui Financial Group, Inc. (“the Company”) and its management with respect to the Company’s future financial condition and results of operations. In many cases but not all, these statements contain words such as “anticipate,” “believe,” “estimate,” “expect,” “intend,” “may,” “plan,” “probability,” “risk,” “project,” “should,” “seek,” “target,” “will” and similar expressions. Such forward-looking statements are not guarantees of future performance and involve risks and uncertainties, and actual results may differ from those expressed in or implied by such forward-looking statements contained or deemed to be contained herein. The risks and uncertainties which may affect future performance include: deterioration of Japanese and global economic conditions and financial markets; declines in the value of the Company’s securities portfolio; incurrence of significant credit-related costs; the Company’s ability to successfully implement its business strategy through its subsidiaries, affiliates and alliance partners; and exposure to new risks as the Company expands the scope of its business. Given these and other risks and uncertainties, you should not place undue reliance on forward-looking statements, which speak only as of the date of this document. The Company undertakes no obligation to update or revise any forward-looking statements. Please refer to the Company’s most recent disclosure documents such as its annual report on Form 20-F and other documents submitted to the U.S. Securities and Exchange Commission, as well as its earnings press releases, for a more detailed description of the risks and uncertainties that may affect its financial conditions, its operating results, and investors’ decisions.

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Sumitomo Mitsui Financial Group, Inc.

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I.		Consolidated operating results for the three months ended June 30, 2026 (fiscal 2026)			2
II.		Quarterly consolidated financial statements and main notes			3
1.		Quarterly consolidated balance sheets			3
2.		Quarterly consolidated statements of income and quarterly consolidated statements of comprehensive income			4
3.		Notes to quarterly consolidated financial statements			5
		Changes in accounting policies			5
		Application of special accounting methods used for preparing quarterly consolidated financial statements			5
		Notes to segment and other related information			6
		Material changes in stockholders’ equity			6
		Note on going concern			6
		Notes to quarterly consolidated statements of cash flows			7

* Appendix: Financial results for the three months ended June 30, 2026 supplementary information

- 1 -

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Sumitomo Mitsui Financial Group, Inc.

I. Consolidated operating results for the three months ended June 30, 2026 (fiscal 2026)

The subject matter is described in the “Overview of 1Q FY3/2027” disclosed on July 31, 2026 (Friday), which is available on our website at https://www.smfg.co.jp/english/investor/financial/latest_statement.html.

The information is posted under FY 2026 ended March 31, 2027, First Quarter, Overview of performance, on the above website.

- 2 -

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Sumitomo Mitsui Financial Group, Inc.

II. Quarterly consolidated financial statements and main notes

1. Quarterly consolidated balance sheets

		Millions of yen
		March 31, 2026				June 30, 2026
Assets:
Cash and due from banks		¥	73,696,930			¥	71,464,388
Call loans and bills bought			7,882,022				7,437,714
Receivables under resale agreements			20,099,101				20,549,787
Receivables under securities borrowing transactions			6,247,642				4,290,278
Monetary claims bought			6,079,754				6,170,343
Trading assets			16,701,913				18,023,128
Money held in trust			36,902				39,397
Securities			39,974,120				39,985,008
Loans and bills discounted			117,629,215				119,758,243
Foreign exchanges			2,030,821				2,087,939
Lease receivables and investment assets			231,429				214,851
Other assets			18,240,722				16,759,851
Tangible fixed assets			1,074,673				1,089,724
Intangible fixed assets			1,151,037				1,177,598
Net defined benefit asset			1,299,540				1,316,511
Deferred tax assets			109,614				111,835
Customers’ liabilities for acceptances and guarantees			17,033,172				17,942,736
Reserve for possible loan losses			(1,007,469)				(949,776)
Total assets		¥	328,511,145			¥	327,469,563
Liabilities:
Deposits		¥	185,674,241			¥	186,759,326
Negotiable certificates of deposit			15,667,132				13,591,428
Call money and bills sold			3,656,736				2,940,869
Payables under repurchase agreements			23,764,473				24,567,583
Payables under securities lending transactions			1,136,833				1,400,350
Commercial paper			3,380,389				2,940,764
Trading liabilities			13,089,960				13,933,217
Borrowed money			9,370,996				9,603,511
Foreign exchanges			1,436,381				1,456,664
Short-term bonds			773,500				466,300
Bonds			15,369,164				16,049,583
Due to trust account			956,169				1,188,216
Other liabilities			20,103,338				17,248,145
Reserve for employee bonuses			146,303				62,325
Reserve for executive bonuses			5,973				—
Net defined benefit liability			34,317				34,637
Reserve for executive retirement benefits			907				780
Reserve for point service program			63,254				71,604
Reserve for reimbursement of deposits			35,806				34,991
Reserve for losses on interest repayment			226,742				223,252
Reserves under the special laws			6,737				7,334
Deferred tax liabilities			619,716				679,583
Deferred tax liabilities for land revaluation			25,750				25,651
Acceptances and guarantees			17,033,172				17,942,736
Total liabilities			312,578,001				311,228,861
Net assets:
Capital stock			2,346,888				2,346,888
Capital surplus			582,909				582,910
Retained earnings			8,871,065				9,071,070
Treasury stock			(48,851)				(163,830)
Total stockholders’ equity			11,752,012				11,837,037
Net unrealized gains (losses) on other securities			2,185,092				2,342,090
Net deferred gains (losses) on hedges			(300,715)				(311,320)
Land revaluation excess			29,133				28,918
Foreign currency translation adjustments			1,706,949				1,803,536
Accumulated remeasurements of defined benefit plans			412,985				398,497
Total accumulated other comprehensive income			4,033,445				4,261,722
Stock acquisition rights			594				593
Non-controlling interests			147,092				141,347
Total net assets			15,933,144				16,240,701
Total liabilities and net assets		¥	328,511,145			¥	327,469,563

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Sumitomo Mitsui Financial Group, Inc.

2. Quarterly consolidated statements of income and quarterly consolidated statements of comprehensive income

  (Quarterly consolidated statements of income)

		Millions of yen
Three months ended June 30		2025				2026
Ordinary income		¥	2,444,404			¥	2,850,426
Interest income			1,712,446				1,935,649
Interest on loans and discounts			974,674				1,048,226
Interest and dividends on securities			225,701				302,340
Trust fees			2,731				3,356
Fees and commissions			473,019				560,299
Trading income			57,622				96,715
Other operating income			51,533				127,705
Other income			147,050				126,699
Ordinary expenses			1,961,067				2,157,289
Interest expenses			1,086,162				1,143,758
Interest on deposits			414,048				481,131
Fees and commissions payments			74,231				86,455
Trading losses			—				11,781
Other operating expenses			49,197				78,284
General and administrative expenses			599,674				712,197
Other expenses			151,801				124,811
Ordinary profit			483,337				693,136
Extraordinary gains			32				51
Extraordinary losses			1,795				1,668
Income before income taxes			481,574				691,519
Income taxes			102,242				185,474
Profit			379,331				506,045
Profit attributable to non-controlling interests			2,433				4,673
Profit attributable to owners of parent		¥	376,898			¥	501,372
(Quarterly consolidated statements of comprehensive income)
		Millions of yen
Three months ended June 30		2025				2026
Profit		¥	379,331			¥	506,045
Other comprehensive income (losses)			(75,762)				224,959
Net unrealized gains (losses) on other securities			106,845				153,621
Net deferred gains (losses) on hedges			54,707				(12,751)
Land revaluation excess			(776)				—
Foreign currency translation adjustments			(136,241)				79,924
Remeasurements of defined benefit plans			(14,459)				(14,502)
Share of other comprehensive income of affiliates			(85,837)				18,668
Total comprehensive income			303,569				731,004
Comprehensive income attributable to owners of parent			301,391				729,864
Comprehensive income attributable to non-controlling interests			2,178				1,140

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Sumitomo Mitsui Financial Group, Inc.

3. Notes to quarterly consolidated financial statements

(Changes in accounting policies)

Application of Accounting Standard for Financial Instruments, etc.

The Company has applied the “Accounting Standard for Financial Instruments” (ASBJ Statement No. 10, revised on June 2, 2026), the “Practical Guidelines on Accounting for Financial Instruments” (ASBJ Transferred Guidance No. 9, revised on June 2, 2026), and the “Accounting Standard for Consolidated Financial Statements” (ASBJ Statement No. 22, revised on June 2, 2026) from the beginning of the three months ended June 30, 2026.

Accordingly, when the transferee of financial assets is a special purpose company (“SPC”) that meets certain requirements, the Company treats lenders to the SPC in the same manner as investors in assessing whether the criteria for derecognition of the financial assets are met and whether the SPC qualifies as a subsidiary of the transferor.

For transfers of financial assets effected before the date of initial application of these accounting standards and guidance, the Company has neither reassessed the accounting treatment as of that date nor applied the standards and guidance retrospectively, in accordance with the transitional provisions prescribed in paragraph 44-3 of the Accounting Standard for Financial Instruments and paragraph 196-2 of the Practical Guidelines on Accounting for Financial Instruments. The application of these accounting standards and guidance had no material impact on the quarterly consolidated financial statements.

(Application of special accounting methods used for preparing quarterly consolidated financial statements)

The Company and certain domestic consolidated subsidiaries calculated tax expenses by multiplying Income before income taxes by an effective tax rate that was reasonably estimated by applying tax effect accounting to estimated Income before income taxes for the fiscal year ending March 31, 2027 including the period for the three months ended June 30, 2026. The amounts of Income taxes include Income taxes-deferred.

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Sumitomo Mitsui Financial Group, Inc.

(Notes to segment and other related information)

1. Information on profit and loss amount by reportable segment

		Millions of yen
Three months ended June 30, 2025		Wholesale Business Unit				Retail Business Unit				Global Business Unit				Global Markets Business Unit				Head office account and others				Total
Consolidated gross profit		¥	277,500			¥	354,900			¥	359,000			¥	156,600			¥	(60,238	)		¥	1,087,762
General and administrative expenses			(95,200	)			(280,700	)			(232,400	)			(50,300	)			58,926				(599,674	)
Others			37,000				300				58,100				8,600				(47,806	)			56,194
Consolidated net business profit		¥	219,300			¥	74,500			¥	184,700			¥	114,900			¥	(49,118	)		¥	544,282

Notes:		1. Figures shown in parentheses represent losses.
		2. “Others” includes equity in profit and loss of affiliates and cooperated profit and loss based on internal managerial accounting.
		3. “Head office account and others” includes profit or loss to be eliminated as inter-segment transactions.

		Millions of yen
Three months ended June 30, 2026		Wholesale Business Unit				Retail Business Unit				Global Business Unit				Global Markets Business Unit				Head office account and others				Total
Consolidated gross profit		¥	372,100			¥	428,800			¥	386,700			¥	233,500			¥	(17,654	)		¥	1,403,446
General and administrative expenses			(126,900	)			(309,200	)			(269,100	)			(62,900	)			55,903				(712,197	)
Others			26,300				1,300				33,600				8,300				(38,438	)			31,062
Consolidated net business profit		¥	271,500			¥	120,900			¥	151,200			¥	178,900			¥	(189	)		¥	722,311

Notes:		1. Figures shown in parentheses represent losses.
		2. “Others” includes equity in profit and loss of affiliates and cooperated profit and loss based on internal managerial accounting.
		3. “Head office account and others” includes profit or loss to be eliminated as inter-segment transactions.

2. Difference between total amount of consolidated net business profit by reportable segment and ordinary profit on quarterly consolidated statements of income (adjustment of difference)

Three months ended June 30, 2025		Millions of yen
Consolidated net business profit		¥	544,282
Other ordinary income (excluding equity in gains of affiliates)			90,856
Other ordinary expenses			(151,801	)
Ordinary profit on quarterly consolidated statements of income		¥	483,337

Note: Figures shown in parentheses represent losses.

Three months ended June 30, 2026		Millions of yen
Consolidated net business profit		¥	722,311
Other ordinary income (excluding equity in gains of affiliates)			95,636
Other ordinary expenses			(124,811	)
Ordinary profit on quarterly consolidated statements of income		¥	693,136

Note: Figures shown in parentheses represent losses.

(Material changes in stockholders’ equity)

Not applicable.

(Note on going concern)

Not applicable.

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Sumitomo Mitsui Financial Group, Inc.

(Notes to quarterly consolidated statements of cash flows)

Quarterly consolidated statements of cash flows were not prepared for the three months ended June 30, 2026. “Depreciation” (including amortization of intangible fixed assets other than goodwill) and “Amortization of goodwill” for the three months ended June 30, 2025 and 2026, were as follows:

		Millions of yen
Three months ended June 30		2025				2026
Depreciation		¥	61,807			¥	71,984
Amortization of goodwill			6,529				7,254

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Table of Contents

Sumitomo Mitsui Financial Group, Inc.

Financial results

for the three months

ended June 30, 2026

- Supplementary information -

Table of contents

1.

Operating results

Consolidated

Non-consolidated

…

1

2.

Interest spread (domestic)

Non-consolidated

…

3

3.

Non-performing loans (NPLs) based on   the Banking Act and the Reconstruction Act

Consolidated

Non-consolidated

…

3

4.

Unrealized gains (losses) on securities

Consolidated

Non-consolidated

…

4

5.

Deposits and loans

Non-consolidated

…

5

Notes:

1. Consolidated : Consolidated figures of Sumitomo Mitsui Financial Group, Inc.

2. Non-consolidated : Non-consolidated figures of Sumitomo Mitsui Banking Corporation (“SMBC”)

3. Capital ratio as of June 30, 2026 will be announced when it is fixed.

Table of Contents

Sumitomo Mitsui Financial Group

1. Operating results

Consolidated														(Millions of yen)
								Three months ended June 30, 2026 (A)		Change   (A) - (B)				Three months ended June 30, 2025 (B)
Consolidated gross profit						1		1,403,446		315,684				1,087,762
		Net interest income				2		791,890		165,606				626,284
		Trust fees				3		3,356		625				2,731
		Net fees and commissions				4		473,844		75,056				398,788
		Net trading income				5		84,934		27,311				57,622
		Net other operating income				6		49,421		47,084				2,336
General and administrative expenses						7		(712,197)		(112,522)				(599,674)
Equity in gains (losses) of affiliates						8		31,062		(25,132)				56,194
Consolidated net business profit						9		722,311		178,029				544,282
Total credit cost						10		(74,769)		875				(75,645)
		Credit costs				11		(78,528)		4,172				(82,701)
				Write-off of loans		12		(70,094)		(30,528)				(39,566)
				Provision for reserve for possible loan losses		13		—		36,151				(36,151)
				Others		14		(8,433)		(1,451)				(6,982)
		Gains on reversal of reserve for possible loan losses				15		77		77				—
		Recoveries of written-off claims				16		3,681		(3,374)				7,056
Gains (losses) on stocks						17		75,476		34,421				41,054
Other income (expenses)						18		(29,882)		(3,527)				(26,354)
Ordinary profit						19		693,136		209,799				483,337
Extraordinary gains (losses)						20		(1,616)		145				(1,762)
		Gains (losses) on disposal of fixed assets				21		(316)		739				(1,056)
		Losses on impairment of fixed assets				22		(703)		(195)				(508)
Income before income taxes						23		691,519		209,944				481,574
Income taxes						24		(185,474)		(83,231)				(102,242)
Profit						25		506,045		126,713				379,331
Profit attributable to non-controlling interests						26		(4,673)		(2,239)				(2,433)
Profit attributable to owners of parent						27		501,372		124,473				376,898
Notes: 1.  Amounts less than 1 million yen are rounded down. Figures in parentheses indicate losses or decreases.
2.   Consolidated gross profit = (Interest income - Interest expenses) + Trust fees + (Fees and commissions - Fees and commissions payments)        + (Trading income - Trading losses) + (Other operating income - Other operating expenses) 3.   The amount of Income taxes includes income taxes-deferred.
				Number of consolidated subsidiaries and affiliates
								June 30, 2026						March 31, 2026
										Change
				Consolidated subsidiaries		28		181		(3)				184
				Equity method affiliates		29		251		(1)				252

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Sumitomo Mitsui Financial Group

SMBC non-consolidated														(Millions of yen)
								Three months ended  June 30, 2026 (A)		Change     (A) - (B)				Three months ended June 30, 2025 (B)
Gross banking profit						1		795,131		216,667				578,464
		Net interest income				2		575,629		159,574				416,055
		Trust fees				3		1,139		47				1,092
		Net fees and commissions				4		151,704		20,051				131,653
		Net trading income				5		32,555		11,385				21,169
		Net other operating income				6		34,101		25,608				8,492
		Gains (losses) on bonds				7		(19,757)		(34,129)				14,371
Expenses (excluding non-recurring losses)						8		(328,297)		(56,388)				(271,909)
		Personnel expenses				9		(129,522)		(16,882)				(112,640)
		Non-personnel expenses				10		(177,106)		(34,853)				(142,252)
		Taxes				11		(21,668)		(4,652)				(17,016)
Banking profit (before provision for general reserve for possible loan losses)						12		466,833		160,278				306,554
Gains (losses) on bonds						13		(19,757)		(34,129)				14,371
		Core banking profit (12-13)				14		486,591		194,407				292,183
				excluding gains (losses) on cancellation of investment trusts		15		426,947		153,977				272,970
Provision for general reserve for possible loan losses						16		4,692		5,742				(1,049)
Banking profit						17		471,526		166,021				305,505
Non-recurring gains (losses)						18		49,277		16,427				32,850
		Credit costs				19		(18,629)		(11,570)				(7,058)
		Gains on reversal of reserve for possible loan losses				20		—		—				—
		Recoveries of written-off claims				21		0		(2,684)				2,685
		Gains (losses) on stocks				22		72,671		13,170				59,501
				Gains on sales of stocks		23		82,643		11,842				70,801
				Losses on sales of stocks		24		(230)		6,957				(7,188)
				Losses on devaluation of stocks		25		(9,741)		(5,630)				(4,111)
		Other non-recurring gains (losses)				26		(4,764)		17,512				(22,277)
Ordinary profit						27		520,803		182,448				338,355
Extraordinary gains (losses)						28		(632)		849				(1,482)
		Gains (losses) on disposal of fixed assets				29		(237)		741				(979)
		Losses on impairment of fixed assets				30		(395)		108				(503)
Income before income taxes						31		520,170		183,298				336,872
Income taxes						32		(143,596)		(60,291)				(83,305)
Net income						33		376,573		123,006				253,567
Total credit cost (16+19+20+21)						34		(13,936)		(8,512)				(5,423)
		Provision for general reserve for possible loan losses				35		4,692		5,742				(1,049)
		Write-off of loans				36		(1,509)		(1,505)				(4)
		Provision for specific reserve for possible loan losses				37		(14,489)		(7,077)				(7,411)
		Losses on sales of delinquent loans				38		(2,228)		(1,442)				(785)
		Provision for loan loss reserve for specific overseas countries				39		(401)		(1,544)				1,143
		Recoveries of written-off claims				40		0		(2,684)				2,685

Notes:		1. Amounts less than 1 million yen are rounded down. Figures in parentheses indicate losses or decreases.
		2. The amount of Income taxes includes income taxes-deferred.

- 2 -

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Sumitomo Mitsui Financial Group

2. Interest spread (domestic)

SMBC non-consolidated										(%)
				Three months   ended June 30, 2026 (A)						Three months     ended        June 30, 2025 (B)
						Change   (A) - (B)
Interest earned on loans and bills discounted (a)				1.61		0.35				1.26
Interest paid on deposits, etc. (b)				0.30		0.12				0.18
Interest spread (a) - (b)				1.31		0.23				1.08

3. Non-performing loans (NPLs) based on the Banking Act and the Reconstruction Act

Consolidated														(Billions of yen)
								June 30, 2026						March 31, 2026
										Change from    March 31, 2026
		Bankrupt and quasi-bankrupt loans				1		75.9		(14.6)				90.6
		Doubtful loans				2		612.1		(166.1)				778.3
		Substandard loans				3		460.9		(19.6)				480.5
				Past due loans (3 months or more)		4		73.4		2.8				70.6
				Restructured loans		5		387.5		(22.3)				409.9
		Total (A)				6		1,148.9		(200.4)				1,349.3
		Normal assets				7		140,754.3		3,592.5				137,161.7
		Grand total (B)				8		141,903.2		3,392.2				138,511.0
														(%)
		NPL ratio (A/B)				9		0.81		(0.16)				0.97
		Amount of direct reduction						304.1		40.0				264.1
SMBC non-consolidated														(Billions of yen)
								June 30, 2026						March 31, 2026
										Change from    March 31, 2026
		Bankrupt and quasi-bankrupt loans				10		52.3		(14.5)				66.9
		Doubtful loans				11		412.8		(159.8)				572.6
		Substandard loans				12		262.3		(17.6)				279.9
				Past due loans (3 months or more)		13		24.2		(0.2)				24.4
				Restructured loans		14		238.1		(17.4)				255.5
		Total (A)				15		727.5		(191.9)				919.3
		Normal assets				16		133,381.3		3,955.3				129,426.0
		Grand total (B)				17		134,108.7		3,763.4				130,345.4
														(%)
		NPL ratio (A/B)				18		0.54		(0.17)				0.71
		Amount of direct reduction						205.6		19.0				186.6

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Sumitomo Mitsui Financial Group

4. Unrealized gains (losses) on securities

Consolidated																																(Billions of yen)
												June 30, 2026															March 31, 2026
												Balance sheet  amount				Net unrealized   gains (losses)											Balance sheet    amount					Net unrealized   gains (losses)
																		Change from  March 31, 2026			Gains			Losses
		Held-to-maturity securities							1									6,024.9				(268.5)		(89.8)									0.1			268.5			4,655.3					(178.6)
		Other securities							2			33,275.5				3,443.2		223.0			4,227.5			784.3			34,802.3					3,220.2
				Stocks					3			3,699.0				2,696.9		199.7			2,698.2			1.3			3,503.3					2,497.2
				Bonds					4			6,399.9				(319.1)		(47.9)			6.9			326.0			7,556.7					(271.2)
						Japanese government bonds			5			4,400.9				(162.9)		(42.4)			0.0			162.9			5,476.4					(120.4)
				Others					6			23,176.6				1,065.5		71.2			1,522.5			457.0			23,742.3					994.3
						Foreign bonds			7			18,006.1				(343.6)		(43.1)			58.0			401.5			18,534.8					(300.4)
		Other money held in trust							8			0.5				—		—			—			—			0.5					—
		Total							9			39,300.9				3,174.8		133.2			4,227.6			1,052.8			39,458.1					3,041.6
						Stocks			10			3,699.0				2,696.9		199.7			2,698.2			1.3			3,503.3					2,497.2
						Bonds			11			12,291.8				(587.6)		(137.7)			6.9			594.5			12,142.1					(449.8)
						Others			12			23,310.1				1,065.5		71.3			1,522.5			457.0			23,812.7					994.2
SMBC non-consolidated																																(Billions of yen)
												June 30, 2026															March 31, 2026
												Balance sheet  amount				Net unrealized   gains (losses)											Balance sheet   amount					Net unrealized    gains (losses)
														Change from   March 31, 2026					Gains			Losses
		Held-to-maturity securities							13					5,337.6				(259.9)		(90.5)			—							259.9					4,087.6					(169.4)
		Stocks of subsidiaries and affiliates							14			5,318.6				22.2		103.0			43.7			21.5			5,310.0					(80.8)
		Other securities							15			25,524.0				2,342.0		128.4			3,087.3			745.2			27,451.2					2,213.6
				Stocks					16			3,286.8				2,513.8		204.4			2,515.0			1.3			3,082.8					2,309.3
				Bonds					17			6,080.9				(304.5)		(44.8)			6.9			311.4			7,325.2					(259.7)
						Japanese government bonds			18			4,131.8				(154.6)		(39.6)			0.0			154.6			5,296.4					(114.9)
				Others					19			16,156.3				132.8		(31.2)			565.4			432.6			17,043.2					164.0
						Foreign bonds			20			12,167.7				(335.9)		(20.8)			42.0			377.9			12,889.9					(315.1)
		Total							21			36,180.1				2,104.4		140.9			3,130.9			1,026.6			36,848.9					1,963.4
						Stocks			22			3,571.0				2,516.2		204.8			2,517.5			1.3			3,382.8					2,311.4
						Bonds			23			11,418.4				(564.4)		(135.2)			6.9			571.3			11,412.9					(429.2)
						Others			24			21,190.7				152.5		71.4			606.6			454.0			22,053.2					81.2

Notes:		1.		The figures above include negotiable certificates of deposit in “Cash and due from banks” and beneficiary claims on loan trust in “Monetary claims bought.”
		2.		Net unrealized gains (losses) are measured based on the market prices of securities as of the balance sheet date.
		3.		Other securities and Other money held in trust are measured at market prices. Unrealized gains (losses) represent the difference between the acquisition costs (or amortized costs) and the balance sheet amounts.

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Sumitomo Mitsui Financial Group

5. Deposits and loans

SMBC non-consolidated										(Billions of yen)
				June 30, 2026						March 31,  2026
						Change from    March 31, 2026
Domestic deposits				136,821.1		934.2				135,886.9
		Individual		63,221.2		515.2				62,706.0
Note: The figures above exclude negotiable certificates of deposit and offshore banking accounts in Japan.
Loans and bills discounted				113,389.8		2,641.2				110,748.7
		Domestic offices (excluding offshore banking accounts)		73,261.0		1,651.8				71,609.3
		Overseas offices and offshore banking accounts		40,128.8		989.4				39,139.4

- 5 -