Sumitomo Mitsui (NYSE: SMFG) lifts first-quarter profit, keeps forecast

Q: 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.

Q: 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.

Q: 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.

Q: 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 .

Filing Impact

(Neutral)

Filing Sentiment

(Neutral)

Form Type

6-K

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.

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"

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Available on EDGAR 07/31/2026 - 06:08 AM Accepted by SEC EDGAR 07/31/2026 - 06:08 AM

FAQ

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.

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).”

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

July 31, 2026

Sumitomo Mitsui Financial Group, Inc.

Consolidated Financial Results for the three months ended June 30, 2026

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.



[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.

Sumitomo Mitsui Financial Group, Inc.

Table of contents


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 -

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 -

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

- 3 -

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

- 4 -

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.

- 5 -

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.

- 6 -

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

- 7 -

Sumitomo Mitsui Financial Group, Inc.

Financial results

for the three months

ended June 30, 2026

- Supplementary information -

Table of contents

Operating results

Consolidated

Non-consolidated

…

Interest spread (domestic)

Non-consolidated

…

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

Consolidated

Non-consolidated

…

Unrealized gains (losses) on securities

Consolidated

Non-consolidated

…

Deposits and loans

Non-consolidated

…

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.

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
				June 30, 2026	Change	March 31, 2026
		Consolidated subsidiaries	28	181	(3)	184
		Equity method affiliates	29	251	(1)	252

- 1 -

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 -

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)
	Three months ended June 30, 2026 (A)	Change (A) - (B)	Three months ended June 30, 2025 (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
				June 30, 2026	Change from March 31, 2026	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
				June 30, 2026	Change from March 31, 2026	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

- 3 -

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.

- 4 -

Sumitomo Mitsui Financial Group

5. Deposits and loans


SMBC non-consolidated				(Billions of yen)
		June 30, 2026		March 31, 2026
		June 30, 2026	Change from March 31, 2026	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 -

Source: View Original Filing on SEC EDGAR

Sumitomo Mitsui (NYSE: SMFG) lifts first-quarter profit, keeps forecast

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