Sumitomo Mitsui (NYSE: SMFG) reports higher capital and leverage ratios

Rhea-AI Filing Summary

Sumitomo Mitsui Financial Group, Inc. (SMFG) reported solid regulatory capital metrics as of December 31, 2025. On a consolidated basis, the total capital ratio was 15.95%, the Tier 1 capital ratio was 14.81%, and the common equity Tier 1 (CET1) ratio was 12.75%, all higher than March 31, 2025 levels.

Risk weighted assets for the group were ¥98,846.1 billion, with a leverage ratio of 5.19%. Sumitomo Mitsui Banking Corporation showed a total capital ratio of 17.58% on a consolidated basis and 16.13% on a non-consolidated basis, with leverage ratios of 5.21% and 4.81%, respectively.

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 February 2026

Commission File Number 001-34919

SUMITOMO MITSUI FINANCIAL GROUP, INC.

(Translation of registrant’s name into English)

1-2, Marunouchi 1-chome, Chiyoda-ku, Tokyo 100-0005, Japan

(Address of principal executive offices)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F: Form 20-F ☒ Form 40-F ☐

THIS REPORT ON FORM 6-K SHALL BE DEEMED TO BE INCORPORATED BY REFERENCE INTO THE PROSPECTUS FORMING A PART OF SUMITOMO MITSUI FINANCIAL GROUP, INC.’S REGISTRATION STATEMENT ON FORM F-3 (FILE NO. 333-276219) AND TO BE A PART OF SUCH PROSPECTUS FROM THE DATE ON WHICH THIS REPORT IS FURNISHED, TO THE EXTENT NOT SUPERSEDED BY DOCUMENTS OR REPORTS SUBSEQUENTLY FILED OR FURNISHED.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

Sumitomo Mitsui Financial Group, Inc.
By:		/s/ Jun Okahashi
		Name:		Jun Okahashi
		Title:		Executive Officer & General Manager, Financial Accounting Dept

Date: February 13, 2026

Capital Ratio as of December 31, 2025

TOKYO, February 13, 2026 —- Sumitomo Mitsui Financial Group, Inc. announced today capital ratios and the related information as of December 31, 2025.

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

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

						December 31,  2025								March 31,  2025								September 30,  2025
										Change												(Reference)
		(1)		Total capital ratio (4) / (7)			15.95	%			0.77	%			15.18	%							15.62	%
		(2)		Tier 1 capital ratio (5) / (7)			14.81	%			0.58	%			14.23	%							14.59	%
		(3)		Common equity Tier 1 capital ratio (6) / (7)			12.75	%			0.31	%			12.44	%							12.59	%
		(4)		Total capital			¥ 15,771.8			¥	1,627.7				¥ 14,144.1								¥ 14,813.2
		(5)		Tier 1 capital			14,648.9				1,390.1				13,258.8								13,838.4
		(6)		Common equity Tier 1 capital			12,607.4				1,022.3				11,585.1								11,937.7
		(7)		Risk weighted assets			98,846.1				5,729.0				93,117.1								94,789.4
		(8)		Required capital (7) X 8%			7,907.7				458.3				7,449.4								7,583.2
		(9)		Leverage Ratio			5.19	%			0.18	%			5.01	%							5.17	%

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

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

						December 31,  2025								March 31,  2025								September 30,  2025
										Change												(Reference)
		(1)		Total capital ratio (4) / (7)			17.58	%			0.80	%			16.78	%							16.96	%
		(2)		Tier 1 capital ratio (5) / (7)			15.92	%			0.60	%			15.32	%							15.45	%
		(3)		Common equity Tier 1 capital ratio (6) / (7)			12.76	%			0.26	%			12.50	%							12.33	%
		(4)		Total capital			¥ 15,017.8			¥	1,424.5				¥ 13,593.3								¥ 13,910.2
		(5)		Tier 1 capital			13,601.2				1,190.5				12,410.7								12,675.1
		(6)		Common equity Tier 1 capital			10,898.0				768.1				10,129.9								10,113.4
		(7)		Risk weighted assets			85,405.3				4,396.8				81,008.5								82,010.8
		(8)		Required capital (7) X 8%			6,832.4				351.7				6,480.7								6,560.9
		(9)		Leverage Ratio			5.21	%			0.11	%			5.10	%							5.12	%

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

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

						December 31,  2025								March 31,  2025								September 30,  2025
										Change												(Reference)
		(1)		Total capital ratio (4) / (7)			16.13	%			1.41	%			14.72	%							15.71	%
		(2)		Tier 1 capital ratio (5) / (7)			14.19	%			1.16	%			13.03	%							13.92	%
		(3)		Common equity Tier 1 capital ratio (6) / (7)			10.77	%			0.76	%			10.01	%							10.55	%
		(4)		Total capital			¥ 12,423.1			¥	1,590.9				¥ 10,832.3								¥ 11,680.9
		(5)		Tier 1 capital			10,929.9				1,340.1				9,589.8								10,351.3
		(6)		Common equity Tier 1 capital			8,292.3				927.1				7,365.2								7,848.0
		(7)		Risk weighted assets			76,983.8				3,427.3				73,556.5								74,346.6
		(8)		Required capital (7) X 8%			6,158.7				274.2				5,884.5								5,947.7
		(9)		Leverage Ratio			4.81	%			0.40	%			4.41	%							4.75	%

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

FAQ

What capital ratios did Sumitomo Mitsui Financial Group (SMFG) report as of December 31, 2025?

As of December 31, 2025, SMFG’s consolidated total capital ratio was 15.95%, Tier 1 capital ratio was 14.81%, and common equity Tier 1 capital ratio was 12.75%. These figures are based on total capital of ¥15,771.8 billion and risk weighted assets of ¥98,846.1 billion.

How did SMFG’s December 31, 2025 capital ratios change from March 31, 2025?

SMFG’s consolidated total capital ratio increased by 0.77 percentage points to 15.95% compared with March 31, 2025. The Tier 1 capital ratio rose by 0.58 points to 14.81%, and the common equity Tier 1 capital ratio rose by 0.31 points to 12.75% over the same period.

What capital position did Sumitomo Mitsui Banking Corporation report on a consolidated basis?

On a consolidated basis at December 31, 2025, Sumitomo Mitsui Banking Corporation reported a total capital ratio of 17.58%, a Tier 1 capital ratio of 15.92%, and a common equity Tier 1 capital ratio of 12.76%, supported by total capital of ¥15,017.8 billion and risk weighted assets of ¥85,405.3 billion.

What were Sumitomo Mitsui Banking Corporation’s non-consolidated capital ratios at December 31, 2025?

On a non-consolidated basis, Sumitomo Mitsui Banking Corporation reported a total capital ratio of 16.13%, a Tier 1 capital ratio of 14.19%, and a common equity Tier 1 capital ratio of 10.77% at December 31, 2025, with total capital of ¥12,423.1 billion and risk weighted assets of ¥76,983.8 billion.

How did leverage ratios look for SMFG and Sumitomo Mitsui Banking Corporation?

As of December 31, 2025, SMFG reported a consolidated leverage ratio of 5.19%. Sumitomo Mitsui Banking Corporation reported a leverage ratio of 5.21% on a consolidated basis and 4.81% on a non-consolidated basis, reflecting their respective capital and exposure levels at that date.

Where can investors find more details on SMFG and SMBC capital structures?

More detailed information on the capital structure of Sumitomo Mitsui Financial Group, Inc. and Sumitomo Mitsui Banking Corporation is available on the group’s investor website at https://www.smfg.co.jp/english/investor/financial/basel_3.html, which provides additional Basel III-related disclosures and supporting data.