Sumitomo Mitsui (SMFG) lifts FY3/2026 profit and ROE with strong capital

Rhea-AI Filing Summary

Sumitomo Mitsui Financial Group reported strong full-year results for FY3/2026. Consolidated gross profit reached ¥4,844,693 million, up from ¥4,126,746 million, driven mainly by higher net interest income of ¥2,719,636 million and net fees and commissions of ¥1,820,578 million.

Ordinary profit rose to ¥2,303,350 million, and profit attributable to owners of parent increased to ¥1,582,973 million from ¥1,177,996 million. The consolidated ROE (Tokyo Stock Exchange’s standard) improved to 10.4%, while ROE based on total stockholders’ equity reached 13.8%.

Asset quality remained controlled, with the consolidated non‑performing loan ratio at 0.97% and reserves for possible loan losses of ¥1,007,469 million. Capital strength stayed solid, as the preliminary total capital ratio under Basel III was 15.69% and the common equity Tier 1 ratio was 12.41%.

Positive

• Profit growth and higher ROE: Profit attributable to owners of parent increased to ¥1,582,973 million from ¥1,177,996 million, lifting ROE (Tokyo Stock Exchange’s standard) to 10.4% and ROE based on total stockholders’ equity to 13.8%.

Negative

• None.

Insights

Banking sector analyst

Full-year profit and ROE improved, backed by solid capital and manageable credit costs.

Sumitomo Mitsui Financial Group delivered higher earnings for FY3/2026. Consolidated gross profit rose to ¥4,844,693 million, with net interest income of ¥2,719,636 million and net fees and commissions of ¥1,820,578 million supporting stronger core revenue.

Profit attributable to owners of parent climbed to ¥1,582,973 million, lifting ROE (Tokyo Stock Exchange’s standard) to 10.4% and ROE based on total stockholders’ equity to 13.8%. These figures indicate more efficient use of equity compared with FY3/2025, as disclosed in the comparisons.

Credit indicators show some rise in non‑performing loans, with the consolidated NPL ratio at 0.97%, but reserves for possible loan losses of ¥1,007,469 million and total coverage of ¥937,541 million help buffer risk. Regulatory capital remains strong, with a preliminary total capital ratio of 15.69% and common equity Tier 1 ratio of 12.41% as of March 31, 2026, providing flexibility against future credit and market swings.

Key Figures

Consolidated gross profit: ¥4,844,693 million Profit attributable to owners of parent: ¥1,582,973 million Ordinary profit: ¥2,303,350 million +5 more

8 metrics

Consolidated gross profit ¥4,844,693 million FY3/2026, up from ¥4,126,746 million

Profit attributable to owners of parent ¥1,582,973 million FY3/2026, vs ¥1,177,996 million FY3/2025

Ordinary profit ¥2,303,350 million Consolidated FY3/2026

ROE (TSE standard) 10.4% Consolidated FY3/2026, up from 8.0%

Total capital ratio 15.69% Basel III, consolidated, March 31, 2026 (preliminary)

Consolidated NPL ratio 0.97% Non-performing loans based on Banking and Reconstruction Acts, March 31, 2026

SMBC net income ¥1,411,682 million SMBC non-consolidated FY3/2026, change +¥343,116 million

SMBC loans ¥110,748,673 million Non-consolidated loan balance at March 31, 2026

Key Terms

non-performing loans, reserve for possible loan losses, Common equity Tier 1 capital ratio, Basel III basis, +2 more

6 terms

non-performing loans financial

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

Loans on a bank’s books where the borrower has stopped making scheduled payments for a prolonged period (commonly about 90 days), so the lender no longer expects full repayment on time. Think of them as overdue IOUs that may never be paid back; a rising level of such loans weakens a lender’s earnings and balance sheet, signals greater credit risk in the economy, and can hurt investors through lower dividends, loan losses, or declines in the lender’s stock value.

reserve for possible loan losses financial

"Reserve for possible loan losses and reserve ratio"

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.

Basel III basis financial

"Capital ratio (BIS guidelines) (Basel III basis)"

projected benefit obligation financial

"Projected benefit obligation (B)"

deferred tax assets and liabilities financial

"Deferred tax assets and liabilities"

FAQ

How did Sumitomo Mitsui Financial Group (SMFG) perform in FY3/2026?

Sumitomo Mitsui Financial Group reported higher earnings in FY3/2026, with consolidated gross profit of ¥4,844,693 million. Ordinary profit reached ¥2,303,350 million, and profit attributable to owners of parent rose to ¥1,582,973 million, reflecting improved core banking performance versus FY3/2025.

What was SMFG’s return on equity for FY3/2026?

For FY3/2026, SMFG’s consolidated ROE (Tokyo Stock Exchange’s standard) was 10.4%. ROE calculated using total stockholders’ equity reached 13.8%, indicating stronger profitability relative to the group’s equity base compared with the prior fiscal year’s disclosed levels.

How strong are Sumitomo Mitsui Financial Group’s capital ratios?

SMFG reported a preliminary total capital ratio of 15.69% and a Tier 1 capital ratio of 14.49% under Basel III as of March 31, 2026. The common equity Tier 1 capital ratio stood at 12.41%, signaling robust regulatory capital relative to risk‑weighted assets.

What is SMFG’s non-performing loan ratio and coverage level?

On a consolidated basis, SMFG’s non‑performing loan ratio was 0.97% as of March 31, 2026. Total coverage for these loans was ¥937,541 million, combining reserves for possible loan losses of ¥405,796 million and amounts recoverable through guarantees, collateral and other sources.

How did SMBC’s non-consolidated net income change in FY3/2026?

Sumitomo Mitsui Banking Corporation (SMBC) non‑consolidated net income for FY3/2026 was ¥1,411,682 million. This represented an increase of ¥343,116 million compared with FY3/2025, supported by higher gross banking profit and improved core banking profit metrics.

What were SMBC’s loan and deposit balances at March 31, 2026?

SMBC’s non‑consolidated loans totaled ¥110,748,673 million at March 31, 2026, up ¥6,233,081 million year on year. Deposits were ¥171,335,915 million, an increase of ¥11,604,244 million, with domestic deposits of ¥135,886,919 million from individuals and corporate customers.

What is SMFG’s capital efficiency based on Tokyo Stock Exchange’s ROE standard?

Using the Tokyo Stock Exchange’s ROE standard, SMFG recorded 10.4% ROE for FY3/2026. This metric uses profit attributable to owners of parent and average stockholders’ equity, showing improved capital efficiency compared with the prior fiscal year’s published measure.

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

See more from StockTitan in Google Search and AI answers. Adds StockTitan as a preferred source · opens Google

Add on Google Not now

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

Accepted by SEC EDGAR 05/13/2026 - 06:02 AM Learn about SEC filing dates

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 UNDER

THE SECURITIES EXCHANGE ACT OF 1934

For the month of May 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 ☐

Table of Contents

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: May 13, 2026

Table of Contents

Financial Results

Fiscal Year 3/2026

 - Supplementary Information - 

Sumitomo Mitsui Financial Group, Inc.

Table of Contents

Table of contents

Page

1.

Income analysis

Consolidated

Non-consolidated

…

1

2.

Interest spread (domestic)

Non-consolidated

…

3

3.

Gains (losses) on securities

Non-consolidated

…

3

4.

Unrealized gains (losses) on securities

Consolidated

Non-consolidated

…

4

5.

Balance of securities, classified by maturity

Non-consolidated

…

5

6.

Notional amount of interest rate swaps (under deferred hedge accounting), classified by remaining maturity

Non-consolidated

…

5

7.

Employee retirement benefits

Consolidated

Non-consolidated

…

6

8.

Classification based on self-assessment and the Banking Act and the Reconstruction Act, and write-offs / reserves

Non-consolidated

…

7

9.

Reserve for possible loan losses and reserve ratio

Consolidated

Non-consolidated

…

8

10.

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

Consolidated

Non-consolidated

…

9

11.

Results of off-balancing of NPLs

Non-consolidated

…

10

12.

Loan portfolio, classified by industry

Non-consolidated

…

11

13.

Loan portfolio, classified by country

Non-consolidated

…

13

14.

Balance of deposits and loans

Non-consolidated

…

14

15.

Deferred tax assets and liabilities

Non-consolidated

…

15

16.

Capital ratio (BIS guidelines)

Consolidated

Non-consolidated

…

16

17.

ROE

Consolidated

…

16

Reference: Financial statements of SMBC

Non-consolidated

…

17

		Notes		1.		Consolidated: Consolidated figures of Sumitomo Mitsui Financial Group, Inc. (“The Company”)
				2.		Non-consolidated: Non-consolidated figures of Sumitomo Mitsui Banking Corporation (“SMBC”)

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 us and our managements with respect to our 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 our securities portfolio; our ability to successfully implement our business strategy through our subsidiaries, affiliates and alliance partners; exposure to new risks as we expand the scope of our business; and incurrence of significant credit-related costs. 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. We undertake no obligation to update or revise any forward-looking statements.

Please refer to our most recent disclosure documents such as our annual report on Form 20-F and other documents submitted to the U.S. Securities and Exchange Commission, as well as our earnings press releases, for a more detailed description of the risks and uncertainties that may affect our financial conditions and our operating results, and investors’ decisions.

Table of Contents

Sumitomo Mitsui Financial Group

 1. Income analysis

Consolidated														(Millions of yen)
								FY3/2026						FY3/2025
										Change
Consolidated gross profit						1		4,844,693		717,947				4,126,746
		Net interest income				2		2,719,636		381,418				2,338,218
		Trust fees				3		11,722		1,988				9,733
		Net fees and commissions				4		1,820,578		261,401				1,559,176
		Net trading income				5		199,444		(184,122)				383,566
		Net other operating income				6		93,312		257,261				(163,949)
General and administrative expenses						7		(2,651,514)		(249,559)				(2,401,955)
Equity in gains (losses) of affiliates						8		137,710		143,215				(5,504)
Consolidated net business profit						9		2,330,890		611,604				1,719,286
Total credit cost						10		(388,435)		(43,887)				(344,547)
		Credit costs				11		(417,060)		(56,063)				(360,997)
				Write-off of loans		12		(176,232)		(24,648)				(151,583)
				Provision for reserve for possible loan losses		13		(192,226)		(24,586)				(167,639)
				Others		14		(48,602)		(6,827)				(41,774)
		Recoveries of written-off claims				15		28,624		12,175				16,449
Gains (losses) on stocks						16		446,068		(63,779)				509,847
Other income (expenses)						17		(85,172)		79,931				(165,103)
Ordinary profit						18		2,303,350		583,868				1,719,482
Extraordinary gains (losses)						19		(51,625)		(32,085)				(19,539)
		Gains (losses) on disposal of fixed assets				20		1,724		13,477				(11,753)
		Losses on impairment of fixed assets				21		(4,496)		2,556				(7,052)
		Losses related to the sale of part of the US banking subsidiary’s business				22		(46,112)		(46,112)				-
		Losses on step acquisitions				23		(1,367)		(1,367)				-
Income before income taxes						24		2,251,725		551,782				1,699,943
Income taxes - current						25		(663,449)		(86,141)				(577,307)
Income taxes - deferred						26		(3,461)		(67,703)				64,242
Profit						27		1,584,815		397,937				1,186,877
Profit attributable to non-controlling interests						28		(1,841)		7,040				(8,881)
Profit attributable to owners of parent						29		1,582,973		404,977				1,177,996
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)
		Number of consolidated subsidiaries and affiliates
								Mar. 31, 2026						Mar. 31, 2025
										Change
		Consolidated subsidiaries				30		184		12				172
		Equity method affiliates				31		252		8				244

- 1 -

Table of Contents

Sumitomo Mitsui Financial Group

SMBC non-consolidated														(Millions of yen)
								FY3/2026						FY3/2025
										Change
Gross banking profit						1		2,677,893		421,334				2,256,559
		Gross domestic profit				2		1,404,858		340,043				1,064,815
				Net interest income		3		1,148,025		300,159				847,865
				Trust fees		4		4,066		628				3,437
				Net fees and commissions		5		298,526		46,700				251,826
				Net trading income		6		(8,619)		(12,698)				4,078
				Net other operating income		7		(37,140)		5,253				(42,393)
				Gains (losses) on bonds		8		(36,602)		9,468				(46,070)
		Gross international profit				9		1,273,035		81,290				1,191,744
				Net interest income		10		798,286		(5,137)				803,424
				Net fees and commissions		11		321,439		27,444				293,995
				Net trading income		12		(5,682)		(173,798)				168,116
				Net other operating income		13		158,991		232,783				(73,791)
				Gains (losses) on bonds		14		(59,899)		(50,775)				(9,123)
Expenses (excluding non-recurring losses)						15		(1,186,038)		(113,865)				(1,072,173)
Overhead ratio						16		44.3%		(3.2%)				47.5%
		Personnel expenses				17		(470,926)		(19,463)				(451,463)
		Non-personnel expenses				18		(645,500)		(91,662)				(553,838)
		Taxes				19		(69,611)		(2,739)				(66,872)
Banking profit (before provision for general reserve for possible loan losses)						20		1,491,855		307,468				1,184,386
Gains (losses) on bonds						21		(96,501)		(41,307)				(55,194)
		Core Banking Profit (20-21)				22		1,588,356		348,776				1,239,580
				excluding gains (losses) on cancellation of investment trusts		23		1,522,921		367,337				1,155,583
Provision for general reserve for possible loan losses						24		27,408		130,908				(103,499)
Banking profit						25		1,519,263		438,376				1,080,886
Non-recurring gains (losses)						26		379,207		(27,968)				407,176
		Credit costs				27		(126,544)		(79,265)				(47,278)
		Gains on reversal of reserve for possible loan losses				28		-		-				-
		Recoveries of written-off claims				29		13,113		13,112				0
		Gains (losses) on stocks				30		426,663		(59,429)				486,093
		Other non-recurring gains (losses)				31		65,974		97,614				(31,639)
Ordinary profit						32		1,898,470		410,408				1,488,062
Extraordinary gains (losses)						33		(255)		9,223				(9,479)
		Gains (losses) on disposal of fixed assets				34		2,474		10,082				(7,607)
		Losses on impairment of fixed assets				35		(2,730)		(858)				(1,871)
Income before income taxes						36		1,898,215		419,632				1,478,583
Income taxes - current						37		(518,582)		(77,874)				(440,708)
Income taxes - deferred						38		32,050		1,358				30,691
Net income						39		1,411,682		343,116				1,068,566
Total credit cost (24+27+28+29)						40		(86,023)		64,755				(150,778)
		Provision for general reserve for possible loan losses				41		27,408		130,908				(103,499)
		Write-off of loans				42		(86)		10,719				(10,806)
		Provision for specific reserve for possible loan losses				43		(114,323)		(99,382)				(14,940)
		Losses on sales of delinquent loans				44		(22,483)		(6,445)				(16,037)
		Provision for loan loss reserve for specific overseas countries				45		10,348		15,843				(5,494)
		Recoveries of written-off claims				46		13,113		13,112				0

Note: Amounts less than 1 million yen are rounded down. Figures in parentheses indicate losses or decreases.

- 2 -

Table of Contents

Sumitomo Mitsui Financial Group

2. Interest spread (domestic)

SMBC non-consolidated																(%)
						FY3/2026										FY3/2025
								Six months ended Sep. 30, 2025				Six months  ended  Mar. 31, 2026
Yield on interest earning assets (A)						1.03		0.95				1.10				0.66
		Interest earned on loans and bills discounted (C)				1.34		1.28				1.40				1.02
		Interest earned on securities				1.60		1.54				1.67				1.32
Total cost of funding (including expenses) (B)						0.71		0.66				0.76				0.53
		Cost of interest bearing liabilities				0.24		0.22				0.26				0.09
				Interest paid on deposits, etc. (D)		0.20		0.18				0.23				0.06
				Interest paid on other liabilities		0.58		0.52				0.67				0.32
		Expense ratio				0.46		0.44				0.49				0.43
Overall interest spread (A) - (B)						0.32		0.29				0.34				0.13
		Interest spread (C) - (D)				1.14		1.10				1.17				0.96
		Reference: The figures below exclude loans to the Japanese government, among others.
		Interest earned on loans and bills discounted (E)				1.35		1.29				1.40				1.04
		Interest spread (E) - (D)				1.15		1.11				1.17				0.98
3. Gains (losses) on securities
SMBC non-consolidated																(Millions of yen)
								FY3/2026								FY3/2025
												Change
Gains (losses) on bonds								(96,501)				(41,307)				(55,194)
		Gains on sales						51,962				(4,152)				56,115
		Losses on sales						(141,702)				(35,755)				(105,946)
		Gains on redemption						0				0				0
		Losses on redemption						(6,704)				(1,340)				(5,363)
		Losses on devaluation						(58)				(58)				-
Gains (losses) on stocks								426,663				(59,429)				486,093
		Gains on sales						470,892				(62,545)				533,438
		Losses on sales						(9,662)				7,683				(17,345)
		Losses on devaluation						(34,566)				(4,568)				(29,998)

- 3 -

Table of Contents

Sumitomo Mitsui Financial Group

4. Unrealized gains (losses) on securities

Consolidated																										(Millions of yen)
										Mar. 31, 2026												Mar. 31, 2025
										Balance sheet  amount				Net unrealized gains (losses)								Balance sheet  amount				Net unrealized gains (losses) (b)
														(a)		(a) - (b)		Gains		Losses
		Held-to-maturity securities						1						4,655,314				(178,649)		(172,475)								7		178,657		274,414				(6,174)
		Other securities						2		34,802,305				3,220,233		414,210		3,933,829		713,596		39,776,760				2,806,023
				Stocks				3		3,503,280				2,497,195		536,268		2,498,675		1,480		3,045,167				1,960,926
				Bonds				4		7,556,702				(271,242)		(126,405)		6,858		278,101		13,893,477				(144,837)
						Japanese government bonds		5		5,476,427				(120,444)		(68,049)		64		120,509		11,180,546				(52,395)
				Others				6		23,742,321				994,280		4,347		1,428,295		434,014		22,838,114				989,933
						Foreign bonds		7		18,534,788				(300,425)		148,672		79,365		379,791		17,424,744				(449,098)
		Other money held in trust						8		521				-		-		-		-		520				-
		Total						9		39,458,141				3,041,584		241,734		3,933,837		892,253		40,051,695				2,799,849
				Stocks				10		3,503,280				2,497,195		536,268		2,498,675		1,480		3,045,167				1,960,926
				Bonds				11		12,142,145				(449,828)		(298,816)		6,858		456,686		14,167,892				(151,011)
				Others				12		23,812,715				994,216		4,283		1,428,303		434,086		22,838,635				989,933
SMBC non-consolidated																										(Millions of yen)
										Mar. 31, 2026												Mar. 31, 2025
										Balance sheet amount				Net unrealized gains (losses)								Balance sheet amount				Net unrealized gains (losses) (b)
														(a)		(a) - (b)		Gains		Losses
		Held-to-maturity securities						13						4,087,646				(169,416)		(168,258)								-		169,416		22,300				(1,158)
		Stocks of subsidiaries and affiliates						14		5,310,009				(80,761)		(10,703)		2,087		82,848		5,009,805				(70,058)
		Other securities						15		27,451,228				2,213,599		439,161		2,902,742		689,142		33,564,599				1,774,438
				Stocks				16		3,082,836				2,309,338		492,168		2,313,069		3,731		2,693,563				1,817,170
				Bonds				17		7,325,242				(259,746)		(118,852)		6,872		266,618		13,835,139				(140,894)
						Japanese government bonds		18		5,296,373				(114,947)		(62,552)		64		115,011		11,180,546				(52,395)
				Others				19		17,043,150				164,007		65,845		582,800		418,792		17,035,896				98,162
						Foreign bonds		20		12,889,894				(315,112)		143,798		49,851		364,963		12,711,011				(458,910)
		Total						21		36,848,884				1,963,420		260,199		2,904,829		941,408		38,596,705				1,703,221
				Stocks				22		3,382,790				2,311,425		492,554		2,315,156		3,731		2,987,917				1,818,870
				Bonds				23		11,412,888				(429,163)		(287,110)		6,872		436,035		13,857,439				(142,052)
				Others				24		22,053,205				81,158		54,755		582,800		501,641		21,751,347				26,402

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 -

Table of Contents

Sumitomo Mitsui Financial Group

5. Balance of securities, classified by maturity

Balance of other securities with maturities and bonds of held-to-maturity

SMBC non-consolidated																																	(Billions of yen)
				Mar. 31, 2026																				Mar. 31, 2025
				1 year or less				More than 1 year to 5 years				More than 5 years to 10 years				More than 10 years				Total				1 year or less				More than 1 year to 5 years				More than 5 years to 10 years				More than 10 years				Total
Bonds					3,182.4				2,366.8				4,909.5				954.2				11,412.9				10,374.0				2,320.2				692.5				470.7			13,857.4
		Japanese government  bonds			2,834.4				1,337.9				4,511.3				678.2				9,361.7				9,663.6				1,352.8				39.6				124.5			11,180.5
		Japanese local government bonds			66.7				394.6				214.4				3.5				679.2				126.0				268.0				417.1				4.0			815.1
		Japanese short-term bonds			49.9				-				-				-				49.9				49.9				-				-				-			49.9
		Japanese corporate bonds			231.3				634.4				183.9				272.5				1,322.1				534.4				699.4				235.8				342.2			1,811.8
Others					3,795.9				4,450.7				1,840.5				4,011.9				14,098.9				2,665.0				4,342.5				2,314.9				4,766.7			14,089.0
Total					6,978.3				6,817.5				6,750.0				4,966.1				25,511.8				13,039.0				6,662.6				3,007.4				5,237.4			27,946.4

 6. Notional amount of interest rate swaps (under deferred hedge accounting), classified by remaining maturity

 SMBC non-consolidated    (Billions of yen)  

				Mar. 31, 2026								Mar. 31, 2025
				1 year or less		More than 1 year to 5 years		More than 5 years		Total		1 year or less		More than 1 year to 5 years		More than 5 years		Total
		Receivable fixed rate / payable floating rate		10,625.4		26,942.6		13,419.1		50,987.0		6,123.9		28,228.2		11,046.2		45,398.3
		Receivable floating rate    / payable fixed rate		1,954.7		15,219.0		9,725.6		26,899.4		1,101.7		9,181.4		13,470.7		23,753.7
		Receivable floating rate    / payable floating rate		-		-		-		-		425.0		-		-		425.0
Total				12,580.1		42,161.6		23,144.7		77,886.4		7,650.6		37,409.6		24,516.9		69,577.0

- 5 -

Table of Contents

Sumitomo Mitsui Financial Group

 7. Employee retirement benefits

 Consolidated

 (1) Projected benefit obligation

												(Millions of yen)
						Mar. 31, 2026						Mar. 31, 2025
								Change
Fair value of plan assets				(A)		2,035,284		229,682				1,805,602
Projected benefit obligation				(B)		770,060		(82,145)				852,205
Net surplus (deficit)				(A-B)		1,265,223		311,826				953,397
		Net defined benefit asset				1,299,540		312,252				987,288
		Net defined benefit liability				34,317		427				33,890
Measurements of defined benefit plans (before tax effect deduction)						(593,551)		(189,244)				(404,307)
		Unrecognized prior service cost (deductible from the obligation)				(7,019)		2,389				(9,408)
		Unrecognized net actuarial gain (loss)				(586,532)		(191,634)				(394,898)
(2) Retirement benefit expenses
												(Millions of yen)
						FY3/2026						FY3/2025
								Change
Retirement benefit expenses						(66,546)		(40,177)				(26,369)
SMBC non-consolidated
(1) Projected benefit obligation
												(Millions of yen)
						Mar. 31, 2026						Mar. 31, 2025
								Change
Projected benefit obligation				(A)		629,787		(79,862)				709,650
		<Discount rate>				<2.90%>		<0.95%>				<1.95%>
		Fair value of plan assets		(B)		1,895,367		221,151				1,674,216
		Reserve for employee retirement benefits		(C)		-		-				-
		Prepaid pension cost		(D)		679,458		120,558				558,899
		Unrecognized prior service cost (deductible from the obligation)		(E)		(8,395)		2,651				(11,047)
		Unrecognized net actuarial gain (loss)		(A-B-C+D-E)		(577,726)		(183,106)				(394,619)
(2) Retirement benefit expenses
												(Millions of yen)
						FY3/2026						FY3/2025
								Change
Retirement benefit expenses						(91,087)		(40,218)				(50,869)
		Service cost				14,195		(2,557)				16,753
		Interest cost on projected benefit obligation				13,838		3,843				9,994
		Expected returns on plan assets				(66,248)		(20,544)				(45,704)
		Amortization of unrecognized prior service cost				(2,651)		-				(2,651)
		Amortization of unrecognized net actuarial gain (loss)				(60,014)		(22,274)				(37,739)
		Others				9,793		1,314				8,478

- 6 -

Table of Contents

Sumitomo Mitsui Financial Group

 8. Classification based on self-assessment and the Banking Act and the Reconstruction Act, and write-offs / reserves

*1		Direct write-offs include a direct reduction of 186.6 billion yen.
*2		Specific reserve includes reserves for assets that are not subject to disclosure based on the Banking Act and the Reconstruction Act. (Bankrupt/Effectively bankrupt borrowers: 13.5 billion yen, Potentially bankrupt borrowers: 4.1 billion yen)
*3		Reserve ratios for claims on “Bankrupt borrowers”, “Effectively bankrupt borrowers”, “Potentially bankrupt borrowers”, “Substandard borrowers” and “Borrowers requiring caution (including Substandard borrowers)” represent the proportion of the reserve for possible loan losses to each category’s total claims, excluding amounts secured by collateral or guarantees, etc.
*4		Reserve ratios for claims on “Normal borrowers” and “Borrowers requiring caution (excluding claims to Substandard borrowers)” represent the proportion of reserves for possible loan losses to the respective claims of each category.
		The reserve ratio for unsecured claims on “Borrowers requiring caution (excluding claims to Substandard borrowers)” is shown in [ ].
*5		General reserve includes the Specific reserve for “Borrowers requiring caution,” totaling 0.0 billion yen.
*6		The reserve ratio reflects the proportion of reserves to claims, excluding amounts secured by collateral or guarantees, etc.

- 7 -

Table of Contents

Sumitomo Mitsui Financial Group

9. Reserve for possible loan losses and reserve ratio

Consolidated														(Millions of yen, %)
				Mar. 31, 2026								Mar. 31, 2025
								(a)		Reserve Ratio (b)						(a) - (c)				(c)		Reserve Ratio (d)
Reserve for possible loan losses				1,007,469		74.67		81,537				925,931		105.02
		General reserve		666,501				(61,214)				727,715
		Specific reserve		329,379				153,098				176,280
		Loan loss reserve for specific overseas countries		11,588				(10,346)				21,935
		Amount of direct reduction		264,091				21,120				242,971
SMBC non-consolidated														(Millions of yen, %)
				Mar. 31, 2026								Mar. 31, 2025
								(a)		Reserve Ratio (b)						(a) - (c)				(c)		Reserve Ratio (d)
Reserve for possible loan losses				693,865		75.47		68,326				625,538		116.60
		General reserve		472,897				(27,408)				500,305
		Specific reserve		209,403				106,083				103,319
		Loan loss reserve for specific overseas countries		11,563				(10,348)				21,912
		Amount of direct reduction		186,560				(11,203)				197,764

Note: Reserve ratio (calculated as Reserve for possible loan losses divided by Non-Performing Loans (NPLs) based on the Banking Act and the Reconstruction Act, excluding normal assets) is determined after direct reduction.

- 8 -

Table of Contents

Sumitomo Mitsui Financial Group

 10. Non-performing loans (NPLs) based on the Banking Act and the Reconstruction Act, and coverage

Consolidated										(Millions of yen, %)
						Mar. 31, 2026				Mar. 31, 2025
						(a)		(a) - (b)		(b)
		Bankrupt and quasi-bankrupt loans				90,585		15,350		75,234
		Doubtful loans				778,253		323,486		454,767
		Substandard loans				480,468		128,774		351,693
				Past due loans (3 months or more)		70,612		9,768		60,843
				Restructured loans		409,855		119,005		290,850
Total (A)						1,349,307		467,610		881,696
		Normal assets				137,161,712		7,080,907		130,080,805
		Grand total (B)				138,511,020		7,548,518		130,962,501
NPL ratio (A/B)						0.97		0.30		0.67
										(Millions of yen)
						Mar. 31, 2026				Mar. 31, 2025
						(a)		(a) - (b)		(b)
Total coverage (C)						937,541		400,415		537,125
		Reserve for possible loan losses (D)				405,796		204,030		201,766
		Amount recoverable by guarantees, collateral and others (E)				531,744		196,385		335,359
										(%)
Coverage ratio (C) / (A)						69.48		8.56		60.92
Coverage ratio calculated with total reserve for possible loan losses included in the numerator						114.07		(28.98)		143.05
										(%)
Reserve ratio to unsecured assets (D) / (A - E)						49.64		12.71		36.93
Reserve ratio calculated with total reserve for possible loan losses included in the numerator						123.23		(46.25)		169.48
SMBC non-consolidated										(Millions of yen, %)
						Mar. 31, 2026				Mar. 31, 2025
						(a)		(a) - (b)		(b)
		Bankrupt and quasi-bankrupt loans				66,855		11,061		55,794
		Doubtful loans				572,603		249,142		323,461
		Substandard loans				279,890		122,657		157,232
				Past due loans (3 months or more)		24,376		2,710		21,665
				Restructured loans		255,513		119,947		135,566
Total (A)						919,349		382,861		536,487
		Normal assets				129,426,021		6,555,561		122,870,459
		Grand total (B)				130,345,370		6,938,422		123,406,947
NPL ratio (A/B)						0.71		0.28		0.43
										(Millions of yen)
						Mar. 31, 2026				Mar. 31, 2025
						(a)		(a) - (b)		(b)
Total coverage (C)						795,868		357,700		438,168
		Reserve for possible loan losses (D)				304,971		154,931		150,039
		Amount recoverable by guarantees, collateral and others (E)				490,897		202,767		288,129
										(%)
Coverage ratio (C) / (A)						86.57		4.90		81.67
Coverage ratio calculated with total reserve for possible loan losses included in the numerator						128.87		(41.44)		170.31
										(%)
Reserve ratio to unsecured assets (D) / (A - E)						71.18		10.77		60.41
Reserve ratio calculated with total reserve for possible loan losses included in the numerator						161.95		(89.92)		251.87

Note: Reserve for possible loan losses is the sum of general reserve for substandard loans and specific reserve.

- 9 -

Table of Contents

Sumitomo Mitsui Financial Group

 11. Results of off-balancing of NPLs

SMBC non-consolidated

(Billions of yen) 

										Mar. 31, 2026  (a)		(a) - (b)		NPLs  newly classified  during FY3/2026		Amount of    off-balancing		Mar. 31, 2025  (b)
		Bankrupt and quasi-bankrupt assets								66.9		11.1		36.1		(25.1)		55.8
		Doubtful assets								572.6		249.1		398.2		(149.1)		323.5
		Total								639.5		260.2		(*1)   434.3		(*1)  (174.1)		379.3
Result of measures connected to off-balancing (*2)										43.2								38.3
					Breakdown of   off-balancing  by factor (*3)					Disposition by borrowers’ liquidation						(3.0)
										Reconstructive disposition						(9.5)
										Improvement in debtors’ performance due to reconstructive disposition						(2.2)
										Loan sales to market						(15.7)
										Direct write-offs						23.1
										Others						(166.8)
												Collection / repayment, etc.				(90.8)
												Improvement in debtors’ performance				(76.0)
										Total						(174.1)

*1		The amount of NPLs newly classified during the six months ended Sep. 30, 2025 and off-balanced in the six months ended Mar. 31, 2026 was 9.3 billion yen.
*2		The measures connected to off-balancing include legal reorganizations and other similar measures, corporate splits to good companies and bad companies, partial direct write-offs of retail exposure to individuals and small- and medium-sized enterprises, and trusts to RCC for revitalization that is scheduled to be off-balanced before maturity.
*3		1.		“Disposition by borrowers’ liquidation” refers to the abandonment or write-off of loans involved in bankruptcy liquidation proceedings (bankruptcy or special liquidations).
		2.		“Reconstructive disposition” refers to the abandonment of loans involved in reconstructive bankruptcy proceedings (including corporate reorganization and civil rehabilitation), debt forgiveness in special mediation or other civil mediation, or debt forgiveness for restructuring in private reorganization.

- 10 -

Table of Contents

Sumitomo Mitsui Financial Group

 12. Loan portfolio, classified by industry

 SMBC non-consolidated

(1) Loans and bills discounted, classified by industry

(Millions of yen, %) 

					Mar. 31, 2026										Mar. 31, 2025
					(a)			Ratio			(a) - (b)				(b)			Ratio
Domestic offices (excluding offshore banking accounts in Japan)					71,609,264			100.0			4,164,162				67,445,102			100.0
		Manufacturing			11,053,878			15.4			584,846				10,469,032			15.5
		Agriculture, forestry, fisheries and mining			310,566			0.4			59,957				250,608			0.4
		Construction			1,094,715			1.5			129,066				965,649			1.4
		Transportation, communications and public enterprises			6,785,696			9.5			396,243				6,389,453			9.5
		Wholesale and retail			6,167,057			8.6			918,604				5,248,452			7.8
		Finance and insurance			10,437,566			14.6			1,304,083				9,133,482			13.5
		Real estate			13,433,792			18.8			1,186,669				12,247,123			18.2
		Goods rental and leasing			2,833,183			4.0			211,443				2,621,740			3.9
		Various services			5,112,763			7.1			255,290				4,857,473			7.2
		Municipalities			924,392			1.3			429,680				494,711			0.7
		Others			13,455,650			18.8			(1,311,723)				14,767,373			21.9
Overseas offices and offshore banking accounts in Japan					39,139,408			100.0			2,068,918				37,070,490			100.0
		Public sector			830,200			2.1			249,411				580,789			1.6
		Financial institutions			2,981,735			7.6			(80,928)				3,062,663			8.2
		Commerce and industry			33,715,998			86.2			2,215,490				31,500,507			85.0
		Others			1,611,474			4.1			(315,054)				1,926,528			5.2
Total					110,748,673			-			6,233,081				104,515,592			-

- 11 -

Table of Contents

Sumitomo Mitsui Financial Group

(2) NPLs based on the Banking Act and the Reconstruction Act, classified by industry, and reserve ratio

(Millions of yen, %) 

					Mar. 31, 2026												Mar. 31, 2025
					(a)				Reserve  ratio				(a) - (b)				(b)
Domestic offices					327,841				66.1				62,133				265,708
(excluding offshore banking accounts in Japan)
		Manufacturing			139,237				70.6				51,174				88,062
		Agriculture, forestry, fisheries and mining			161				68.9				(385)				547
		Construction			6,351				50.9				825				5,526
		Transportation, communications and public enterprises			15,101				50.1				(2,488)				17,590
		Wholesale and retail			68,594				53.4				23,729				44,865
		Finance and insurance			8,135				50.6				2,582				5,553
		Real estate			16,417				63.0				(1,292)				17,709
		Goods rental and leasing			363				49.4				75				287
		Various services			51,200				54.3				(7,225)				58,426
		Municipalities			-				-				-				-
		Others			22,277				100.0				(4,862)				27,140
Overseas offices and offshore banking accounts in Japan					591,507				74.2				320,728				270,779
		Public sector			-				-				-				-
		Financial institutions			-				-				-				-
		Commerce and industry			586,412				69.7				320,418				265,994
		Others			5,095				95.8				309				4,785
Total					919,349				71.2				382,861				536,487

Note:		Reserve ratio
		= (Reserve for possible loan losses) / (Assets excluding amounts recoverable due to guarantees, collateral and others) X 100
		Reserve for possible loan losses is the sum of general reserve for substandard loans and specific reserve.

(3) Consumer loans outstanding

										(Millions of yen)
						Mar. 31, 2026				Mar. 31, 2025
						(a)		(a) - (b)		(b)
Consumer loans						11,870,497		(214,828)		12,085,325
		Housing loans				11,039,307		(254,522)		11,293,829
				Self-residential purpose		9,302,684		(188,666)		9,491,350
		Other consumer loans				831,190		39,695		791,495
(4) Loans to small- and medium-sized enterprises, etc.
										(Millions of yen, %)
						Mar. 31, 2026				Mar. 31, 2025
						(a)		(a) - (b)		(b)
Outstanding balance						42,698,875		2,624,644		40,074,231
Ratio to total loans						59.6		0.2		59.4

Note: Outstanding balance includes loans to individuals.

- 12 -

Table of Contents

Sumitomo Mitsui Financial Group

13. Loan portfolio, classified by country

SMBC non-consolidated

(1) Loans outstanding, classified by major domicile

(Millions of yen, %) 

					Mar. 31, 2026										Mar. 31, 2025
					(a)			Ratio			(a) - (b)				(b)			Ratio
Asia					7,436,371			19.9			(29,415)				7,465,786			20.7
		Indonesia			162,497			0.4			(50,157)				212,654			0.6
		Thailand			1,010,978			2.7			(125,913)				1,136,891			3.1
		Korea			487,600			1.3			55,443				432,157			1.2
		Hong Kong			893,206			2.4			(223,284)				1,116,490			3.1
		China			54,936			0.1			(23,584)				78,520			0.2
		Taiwan			355,852			1.0			2,667				353,185			1.0
		Singapore			2,196,884			5.9			67,982				2,128,902			5.9
		India			1,397,706			3.7			188,488				1,209,218			3.4
		Others			876,708			2.4			78,939				797,769			2.2
Oceania					3,211,564			8.6			215,810				2,995,754			8.4
		Australia			3,081,999			8.3			177,155				2,904,844			8.1
		Others			129,564			0.3			38,654				90,910			0.3
North America					15,628,956			41.9			931,918				14,697,038			41.1
		United States			12,632,308			33.9			1,228,215				11,404,093			31.9
		Others			2,996,647			8.0			(296,298)				3,292,945			9.2
Central and South America					2,234,309			6.0			(96,739)				2,331,048			6.5
		Brazil			345,412			1.0			(62,941)				408,353			1.1
		Panama			567,408			1.5			137,322				430,086			1.2
		Others			1,321,488			3.5			(171,121)				1,492,609			4.2
Western Europe					5,587,003			15.0			477,065				5,109,938			14.3
		United Kingdom			1,007,000			2.7			(101,313)				1,108,313			3.1
		Ireland			746,430			2.0			194,247				552,183			1.5
		Netherlands			673,475			1.8			(38,422)				711,897			2.0
		Others			3,160,096			8.5			422,551				2,737,545			7.7
Eastern Europe					216,836			0.6			16,031				200,805			0.6
		Russia			102,465			0.3			(54,724)				157,189			0.5
		Others			114,371			0.3			70,755				43,616			0.1
Others					2,970,396			8.0			(26,466)				2,996,862			8.4
Total					37,285,436			100.0			1,488,205				35,797,231			100.0

Note:  Classified by domicile of debtors.

(2) NPLs based on the Banking Act and the Reconstruction Act, classified by domicile

(Millions of yen, %) 

					Mar. 31, 2026											Mar. 31, 2025
					(a)				Reserve  Ratio				(a) - (b)			(b)
Overseas Offices and offshore banking accounts in Japan					591,507				74.2				320,728			270,779
		Asia			142,461				52.3				52,967			89,493
		Oceania			9,546				23.1				850			8,695
		North America			130,621				76.6				89,078			41,543
		Central and South America			191,567				67.7				165,026			26,540
		Western Europe			86,231				100.0				7,943			78,287
		Eastern Europe			20,262				32.6				1,809			18,453
		Others			10,817				92.1				3,051			7,766

Notes:			1.			Reserve ratio
						= (Reserve for possible loan losses)/(Assets excluding amounts recoverable due to gurarantees, collateral and others) X 100 Reserve for possible loan losses is the sum of general reserve for substandard loans and specific reserve.
			2.			Classified by domicile of debtors.

- 13 -

Table of Contents

Sumitomo Mitsui Financial Group

14. Balance of deposits and loans

SMBC non-consolidated

(1) Average balance of deposits and loans

										(Millions of yen)
						FY3/2026				FY3/2025
						(a)		(a) - (b)		(b)
Deposits						162,285,938		4,844,856		157,441,082
		Domestic units				125,274,197		1,180,979		124,093,217
Loans						107,335,176		4,466,452		102,868,724
		Domestic units				65,334,052		4,150,172		61,183,879
Note: Deposits do not include negotiable certificates of deposit. (2) Balance of deposits and loans, classified by type of depositor
										(Millions of yen)
						Mar. 31, 2026				Mar. 31, 2025
						(a)		(a) - (b)		(b)
Deposits						171,335,915		11,604,244		159,731,671
		Domestic deposits (excluding offshore banking accounts in Japan)				135,886,919		5,062,602		130,824,317
				Individuals		62,706,013		1,486,887		61,219,126
				Corporates		73,180,906		3,575,715		69,605,191
Loans						110,748,673		6,233,081		104,515,592
		Domestic offices (excluding offshore banking accounts in Japan)				71,609,264		4,164,162		67,445,102
		Overseas offices and offshore banking accounts in Japan				39,139,408		2,068,918		37,070,490
Note: Deposits do not include negotiable certificates of deposit. Reference:
										(Billions of yen)
						Mar. 31, 2026				Mar. 31, 2025
						(a)		(a) - (b)		(b)
Balance of investment trusts						5,445.0		821.3		4,623.7
		Balance to individuals				4,208.9		554.2		3,654.7
Note: Balance of investment trusts is recognized on a contract basis and measured according to each fund’s net asset balance at the period-end.
										(Billions of yen)
						FY3/2026				FY3/2025
						(a)		(a) - (b)		(b)
Sales of investment trusts to individuals						867.8		112.6		755.2
Sales of pension-type insurance to individuals						65.2		2.6		62.6

- 14 -

Table of Contents

Sumitomo Mitsui Financial Group

15. Deferred tax assets and liabilities

																(Billions of yen)
SMBC non-consolidated												Mar. 31, 2026		Change from    Mar. 31, 2025		Mar. 31, 2025
(a)		Total deferred tax assets				(b-c)			1			581.4		103.0		478.4
		(b)		Subtotal of deferred tax assets					2			731.3		112.1		619.2
				Reserve for possible loan losses and write-off of loans					3			278.6		19.6		259.0
				Taxable write-off of securities					4			95.9		3.9		92.0
				Others					5			356.8		88.6		268.2
		(c) Valuation allowance							6			149.9		9.1		140.8
(d) Total deferred tax liabilities									7			778.6		168.0		610.6
		Net unrealized gains on other securities							8			658.0		161.2		496.8
		Others							9			120.6		6.9		113.8
Net deferred tax assets						(a-d)			10			(197.2)		(65.1)		(132.2)
		Amount corresponding to net deferred (gains) losses on hedges included in line 5 and net unrealized (gains) losses on other securities included in line 8							11			(511.9)		(93.5)		(418.4)
		Others							12			314.7		28.4		286.2

SMBC recognized deferred tax assets in accordance with paragraph 19 (Category 2) of the “Implementation Guidance on Recoverability of Deferred Tax Assets” (ASBJ Guidance No.26), based on the consistent generation of taxable income, excluding amounts from extraordinary factors, over the current and past three fiscal years.

Reference: Income of final tax return before deducting operating loss carryforwards for the last 3 years

						(Billions of yen)
		FY3/2024		FY3/2025		FY3/2026
Income of final tax return before deducting operating loss carryforwards		1,104.6		1,468.1		1,811.2
Note: The figure for FY3/2026 was estimated at fiscal year closing.

- 15 -

Table of Contents

Sumitomo Mitsui Financial Group

 16. Capital ratio (BIS guidelines)

  (Basel III basis)

 Consolidated (Billions of yen, %)

		Mar. 31, 2026 [Preliminary]							Mar. 31, 2025  (b)
		(a)			(a) - (b)
(1) Total capital ratio (4) / (7)		15.69			0.51				15.18
(2) Tier 1 capital ratio (5) / (7)		14.49			0.26				14.23
(3) Common equity Tier 1 capital ratio (6) / (7)		12.41			(0.03)				12.44
(4) Total capital		15,865.9			1,721.8				14,144.1
(5) Tier 1 capital		14,655.9			1,397.0				13,258.8
(6) Common equity Tier 1 capital		12,544.0			958.9				11,585.1
(7) Risk weighted assets		101,078.2			7,961.1				93,117.1
(8) Required capital (7) X 8%		8,086.3			636.9				7,449.4
(9) Leverage Ratio		5.00			(0.01)				5.01
SMBC consolidated
(1) Total capital ratio		17.34			0.56				16.78
(2) Tier 1 capital ratio		15.42			0.10				15.32
(3) Common equity Tier 1 capital ratio		12.32			(0.18)				12.50
(4) Leverage Ratio		4.96			(0.14)				5.10
SMBC non-consolidated
(1) Total capital ratio		15.83			1.11				14.72
(2) Tier 1 capital ratio		13.62			0.59				13.03
(3) Common equity Tier 1 capital ratio		10.22			0.21				10.01
(4) Leverage Ratio		4.63			0.22				4.41
17. ROE
Consolidated									(%)
		FY3/2026							FY3/2025
		(a)			(a) - (b)				(b)
ROE (Tokyo Stock Exchange’s standard)		10.4			2.4				8.0
ROE (denominator: Total stockholders’ equity)		13.8			3.0				10.8

Note:

ROE (denominator: Total stockholders’ equity)		=		Profit attributable to owners of parent		X 100
				{(Total stockholders’ equity at the beginning of the period) + (Total stockholders’ equity at the end of the period)} / 2

- 16 -

Table of Contents

Sumitomo Mitsui Financial Group

Reference: Financial Statements of SMBC

1. Condensed balance sheet

SMBC non-consolidated

								(Millions of yen)
		Mar. 31, 2026						Mar. 31, 2025
		(a)		(a) - (b)				(b)
Assets
Cash and due from banks		68,651,578		(1,110,400)				69,761,979
Call loans		5,462,547		977,777				4,484,770
Receivables under resale agreements		7,675,741		(950,242)				8,625,984
Receivables under securities borrowing transactions		2,346,965		1,215,229				1,131,736
Monetary claims bought		2,289,341		144,174				2,145,167
Trading assets		4,910,025		1,445,874				3,464,150
Securities		35,715,777		(1,846,074)				37,561,851
Loans and bills discounted		110,748,673		6,233,081				104,515,592
Foreign exchanges		1,877,094		(656,321)				2,533,415
Other assets		8,018,167		637,167				7,380,999
Tangible fixed assets		812,162		59,734				752,427
Intangible fixed assets		487,718		83,280				404,437
Prepaid pension cost		679,458		120,558				558,899
Customers’ liabilities for acceptances and guarantees		16,579,830		1,580,407				14,999,422
Reserve for possible loan losses		(693,865)		(68,326)				(625,538)
Reserve for possible losses on investments		(2,806)		89,764				(92,570)
Total assets		265,558,413		7,955,687				257,602,725

Note: Amounts less than 1 million yen are rounded down.

- 17 -

Table of Contents

Sumitomo Mitsui Financial Group

(Millions of yen)  

		Mar. 31, 2026						Mar. 31, 2025
		(a)		(a) - (b)				(b)
Liabilities
Deposits		171,335,915		11,604,244				159,731,671
Negotiable certificates of deposit		15,975,615		(1,513,959)				17,489,575
Call money		1,069,649		131,640				938,008
Payables under repurchase agreements		11,263,623		(6,110,351)				17,373,975
Payables under securities lending transactions		338,736		(962,347)				1,301,084
Commercial paper		2,242,956		418,437				1,824,519
Trading liabilities		3,921,172		1,380,470				2,540,702
Borrowed money		20,489,569		(671,126)				21,160,696
Foreign exchanges		1,498,334		(317,080)				1,815,415
Bonds		483,702		88,644				395,058
Due to trust account		1,244,765		(290,958)				1,535,723
Other liabilities		10,556,284		2,026,387				8,529,896
Reserve for employee bonuses		18,280		3,723				14,557
Reserve for executive bonuses		1,445		152				1,292
Reserve for point service program		3,991		1,827				2,163
Reserve for reimbursement of deposits		35,019		30,349				4,669
Deferred tax liabilities		197,238		65,067				132,170
Deferred tax liabilities for land revaluation		25,750		(673)				26,424
Acceptances and guarantees		16,579,830		1,580,407				14,999,422
Total liabilities		257,281,882		7,464,854				249,817,028
Net assets
Capital stock		1,771,093		-				1,771,093
Capital surplus		1,774,651		-				1,774,651
Capital reserve		1,771,140		-				1,771,140
Other capital surplus		3,510		-				3,510
Retained earnings		4,381,583		545,881				3,835,702
Other retained earnings		4,381,583		545,881				3,835,702
Voluntary reserve for retirement allowances		1,656		-				1,656
Voluntary reserve		219,845		-				219,845
Retained earnings brought forward		4,160,082		545,881				3,614,201
Treasury stock		(210,003)		-				(210,003)
Total stockholders’ equity		7,717,325		545,881				7,171,443
Net unrealized gains (losses) on other securities		1,551,739		276,159				1,275,580
Net deferred gains (losses) on hedges		(1,012,596)		(328,162)				(684,434)
Land revaluation excess		20,062		(3,045)				23,107
Total valuation and translation adjustments		559,204		(55,048)				614,253
Total net assets		8,276,530		490,832				7,785,697
Total liabilities and net assets		265,558,413		7,955,687				257,602,725

Note: Amounts less than 1 million yen are rounded down.

- 18 -

Table of Contents

Sumitomo Mitsui Financial Group

2. Condensed income statement

SMBC non-consolidated

(Millions of yen)  

		FY3/2026 (a)						FY3/2025 (b)
				(a) - (b)
Ordinary income		7,377,956		272,268				7,105,687
Interest income		5,569,246		72,098				5,497,147
Interest on loans and discounts		3,029,949		(12,302)				3,042,252
Interest and dividends on securities		962,030		14,900				947,130
Trust fees		4,147		638				3,509
Fees and commissions		889,785		114,672				775,113
Trading income		1,880		(176,337)				178,218
Other operating income		325,342		233,071				92,270
Other income		587,553		28,123				559,429
Ordinary expenses		5,479,485		(138,139)				5,617,625
Interest expenses		3,622,934		(222,923)				3,845,857
Interest on deposits		1,401,337		56,397				1,344,939
Fees and commissions payments		269,901		40,538				229,362
Trading losses		16,183		10,159				6,023
Other operating expenses		203,490		(4,965)				208,455
General and administrative expenses		1,132,368		93,259				1,039,108
Other expenses		234,608		(54,209)				288,817
Ordinary profit		1,898,470		410,408				1,488,062
Extraordinary gains		9,581		6,546				3,034
Extraordinary losses		9,836		(2,677)				12,513
Income before income taxes		1,898,215		419,632				1,478,583
Income taxes - current		518,582		77,874				440,708
Income taxes - deferred		(32,050)		(1,358)				(30,691)
Total income taxes		486,532		76,515				410,016
Net income		1,411,682		343,116				1,068,566

Note: Amounts less than 1 million yen are rounded down.

- 19 -

Table of Contents

Sumitomo Mitsui Financial Group

3. Statement of changes in net assets

SMBC non-consolidated

Year ended March 31, 2026																										(Millions of yen)
						Capital surplus								Retained earnings
														Other retained earnings
		Capital stock				Capital reserve				Other capital surplus				Voluntary reserve for retirement allowances				Voluntary reserve				Retained earnings brought forward				Treasury  stock				Total stockholders’ equity
Balance at the beginning of the period			1,771,093				1,771,140				3,510				1,656				219,845				3,614,201				(210,003	)		7,171,443
Changes in the period
Cash dividends																							(868,070	)						(868,070)
Net income																							1,411,682							1,411,682
Reversal of land revaluation excess																							2,269							2,269
Net changes in items other than stockholders’ equity in the period
Net changes in the period																							545,881							545,881
Balance at the end of the period			1,771,093				1,771,140				3,510				1,656				219,845				4,160,082				(210,003	)		7,717,325
															(Millions of yen)
		Valuation and translation adjustments
		Net unrealized gains (losses) on other securities				Net deferred gains (losses) on hedges				Land revaluation excess				Total valuation and translation adjustments				Total net assets
Balance at the beginning of the period			1,275,580				(684,434	)			23,107				614,253				7,785,697
Changes in the period
Cash dividends																			(868,070	)
Net income																			1,411,682
Reversal of land revaluation excess																			2,269
Net changes in items other than stockholders’ equity in the period			276,159				(328,162	)			(3,045	)			(55,048	)			(55,048	)
Net changes in the period			276,159				(328,162	)			(3,045	)			(55,048	)			490,832
Balance at the end of the period			1,551,739				(1,012,596	)			20,062				559,204				8,276,530

Note: Amounts less than 1 million yen are rounded down.

- 20 -