# EDGAR Filing Document

**Accession Number:** 0001022837
**File Stem:** 0001193125-25-335820
**Filing Date:** 2025-12
**Character Count:** 17202
**Document Hash:** 4747b974a2fcb0422d73deef0f766921
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-335820.hdr.sgml**: 20251230

**ACCESSION NUMBER**: 0001193125-25-335820

**CONFORMED SUBMISSION TYPE**: 6-K

**PUBLIC DOCUMENT COUNT**: 1

**CONFORMED PERIOD OF REPORT**: 20251230

**FILED AS OF DATE**: 20251230

**DATE AS OF CHANGE**: 20251230

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SUMITOMO MITSUI FINANCIAL GROUP, INC.
- **CENTRAL INDEX KEY:** 0001022837
- **STANDARD INDUSTRIAL CLASSIFICATION:** COMMERCIAL BANKS, NEC [6029]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** M0
- **FISCAL YEAR END:** 0331

**FILING VALUES:**
- **FORM TYPE:** 6-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-34919
- **FILM NUMBER:** 251610995

**BUSINESS ADDRESS:**
- **STREET 1:** 1-2, MARUNOUCHI 1-CHOME
- **STREET 2:** CHIYODA-KU
- **CITY:** TOKYO
- **STATE:** M0
- **ZIP:** 100-0005
- **BUSINESS PHONE:** 81-3-3282-8111

**MAIL ADDRESS:**
- **STREET 1:** 1-2, MARUNOUCHI 1-CHOME
- **STREET 2:** CHIYODA-KU
- **CITY:** TOKYO
- **STATE:** M0
- **ZIP:** 100-0005

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** SUMITOMO MITSUI FINANCIAL GROUP/FI
- **DATE OF NAME CHANGE:** 20021226

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** SUMITOMO BANK LTD TOKYO     /FI
- **DATE OF NAME CHANGE:** 19960913

**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 December 2025** 

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

---

Date: December 30, 2025

------

Sumitomo Mitsui Financial Group, Inc.

<u>Notice Regarding Submission of Interim Report on Form 6-K</u> 

<u>to the U.S. Securities and Exchange Commission</u> 

TOKYO, December 30, 2025 --- Sumitomo Mitsui Financial Group, Inc. (the "Company," President and Group Chief Executive Officer: Toru Nakashima) hereby announces that, on December 29, 2025 (Eastern Standard Time), the Company submitted an interim report on Form 6-K to the U.S. Securities and Exchange Commission ("SEC").

A copy of the interim report on Form 6-K can be viewed and obtained at the Company's website at https://www.smfg.co.jp/english/investor/financial/disclosure.html or on EDGAR, the SEC's Electronic Data Gathering, Analysis, and Retrieval system.

Attachment:

(Reference) Consolidated Financial Statements (IFRS) (Unaudited)

&nbsp;&nbsp;&nbsp; This document contains a summary of the Company's consolidated interim financial information under International Financial Reporting Standards as issued by the International Accounting Standards Board ("IFRS") that was disclosed in its interim report on Form 6-K submitted to the U.S. Securities and Exchange Commission on December 29, 2025. This document does not contain all of the information in the interim report on Form 6-K that may be important to you. You should read the entire interim report on Form 6-K carefully to obtain a comprehensive understanding of the Company's business and financial data under IFRS and related issues.<br> 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 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.<br>

– 1 –

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 **(Reference) Consolidated Financial Statements (IFRS) (Unaudited)** 

**Consolidated Statements of Financial Position (Unaudited)** 

        <u>(In millions)</u>

---

| | | |
|:---|:---|:---|
| | At March 31,<br>2025 | At September 30,<br>2025 |
|  Assets: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Cash and deposits with banks | ¥&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;76669401 | ¥&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;73348716 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Call loans and bills bought | 5200789 | 5702966 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Reverse repurchase agreements and cash collateral on securities borrowed | 22076009 | 21923897 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Trading assets | 6176613 | 5825732 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Derivative financial instruments | 8313016 | 8306494 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Financial assets at fair value through profit or loss | 2902969 | 2254221 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Investment securities | 33546133 | 33184239 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Loans and advances | 125190819 | 127088662 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Investments in associates and joint ventures | 1588820 | 1817612 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Property, plant and equipment | 1319002 | 1328317 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Intangible assets | 1091194 | 1151853 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other assets | 7983972 | 8607375 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Current tax assets | 43157 | 46697 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Deferred tax assets | 63176 | 89104 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total assets | ¥292165070 | ¥290675885 |
|  Liabilities: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Deposits | ¥190022742 | ¥187712124 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Call money and bills sold | 4378277 | 3613678 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Repurchase agreements and cash collateral on securities lent | 27791101 | 28145501 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Trading liabilities | 4838439 | 4187484 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Derivative financial instruments | 9303258 | 9279351 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Financial liabilities designated at fair value through profit or loss | 597846 | 630618 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Borrowings | 12697699 | 11523632 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Debt securities in issue | 14387415 | 15185629 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Provisions | 333301 | 303556 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other liabilities | 10821441 | 11826470 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Current tax liabilities | 239190 | 232324 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Deferred tax liabilities | 265767 | 402249 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total liabilities | 275676476 | 273042616 |
|  Equity: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Capital stock | 2345961 | 2346888 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Capital surplus | 663063 | 664280 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Retained earnings | 7836548 | 8455310 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Treasury stock | (38512) | (38638) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Equity excluding other reserves | 10807060 | 11427840 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other reserves | 3663135 | 3918430 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Equity attributable to shareholders of Sumitomo Mitsui Financial Group, Inc. | 14470195 | 15346270 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Non-controlling interests | 150022 | 156810 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Equity attributable to other equity instruments holders | 1868377 | 2130189 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total equity | 16488594 | 17633269 |
|  Total equity and liabilities | ¥292165070 | ¥290675885 |

---

– 2 –

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**Consolidated Income Statements (Unaudited)**

(In millions, except per share data)

---

| | | |
|:---|:---|:---|
|  | For the six months ended<br> September 30, | For the six months ended<br> September 30, |
| | 2024 | 2025 |
|  Interest income | ¥3342131 | ¥3393743 |
|  Interest expense | 2157113 | 2038251 |
|  Net interest income | 1185018 | 1355492 |
|  Fee and commission income | 788350 | 850793 |
|  Fee and commission expense | 150434 | 154302 |
|  Net fee and commission income | 637916 | 696491 |
|  Net trading loss | (179020) | (9833) |
|  Net income (loss) from financial assets and liabilities at fair value through profit or loss | (10731) | 137549 |
|  Net investment income | 72343 | 70018 |
|  Net gains (losses) arising from derecognition of financial assets at amortized cost<sup>(1)</sup> | (1822) | 1777 |
|  Other income<sup>(1)</sup> | 40982 | 114319 |
|  Total operating income<sup>(1)</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1744686 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2365813 |
|  Impairment charges on financial assets | 105062 | 71815 |
|  Net operating income<sup>(1)</sup> | 1639624 | 2293998 |
|  General and administrative expenses | 1186749 | 1251493 |
|  Other expenses<sup>(1)</sup> | 182141 | 145870 |
|  Operating expenses<sup>(1)</sup> | 1368890 | 1397363 |
|  Share of post-tax profit of associates and joint ventures | 47454 | 68534 |
|  Profit before tax | 318188 | 965169 |
|  Income tax expense | 52692 | 192292 |
|  Net profit | ¥265496 | ¥772877 |
|  Profit attributable to: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Shareholders of Sumitomo Mitsui Financial Group, Inc. | ¥250215 | ¥742848 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Non-controlling interests | 2127 | 8430 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other equity instruments holders | 13154 | 21599 |
|  Earnings per share<sup>(2)</sup>: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Basic | ¥63.75 | ¥192.60 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Diluted | 63.74 | 192.56 |

---

– 3 –

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**Consolidated Statements of Comprehensive Income (Unaudited)** 

    <u>(In millions)</u>

---

| | | |
|:---|:---|:---|
|  | For the six months ended<br> September 30, | For the six months ended<br> September 30, |
| | 2024 | 2025 |
|  Net profit | ¥&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;265496 | ¥&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;772877 |
|  Other comprehensive income: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Items that will not be reclassified to profit or loss: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Remeasurements of defined benefit plans: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Gains (losses) arising during the period, before tax | 10356 | 52952 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Equity instruments at fair value through other<br>comprehensive income: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Gains (losses) arising during the period, before tax | (291120) | 623850 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Own credit on financial liabilities designated at fair value through profit or loss: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Gains (losses) arising during the period, before tax | 2747 | 711 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Share of other comprehensive income (loss) of associates and joint ventures | 675 | 2374 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Income tax relating to items that will not be reclassified | 83756 | (211131) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total items that will not be reclassified to profit or loss, net of tax | (193586) | 468756 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Items that may be reclassified subsequently to profit or loss: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Debt instruments at fair value through other comprehensive income: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Gains (losses) arising during the period, before tax | 303502 | 115212 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Reclassification adjustments for (gains) losses included in net profit, before tax | (50202) | (28382) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Exchange differences on translating foreign operations: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Gains (losses) arising during the period, before tax | (125705) | (53905) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Reclassification adjustments for (gains) losses included in net profit, before tax |  | 39944 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Share of other comprehensive income (loss) of associates and joint ventures | 45804 | (38535) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Income tax relating to items that may be reclassified | (77513) | (31379) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total items that may be reclassified subsequently to profit or loss, net of tax | 95886 | 2955 |
|  Other comprehensive income (loss), net of tax | (97700) | 471711 |
|  Total comprehensive income | ¥167796 | ¥1244588 |
|  Total comprehensive income attributable to: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Shareholders of Sumitomo Mitsui Financial Group, Inc. | ¥152920 | ¥1214532 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Non-controlling interests | 1722 | 8457 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other equity instruments holders | 13154 | 21599 |

---

(1) "Net gains (losses) arising from derecognition of financial assets at amortized cost" previously
included in "Other income" and "Other expenses," respectively, were presented separately for the six months ended September 30, 2025. The comparative amounts of the consolidated income statements have been reclassified
to conform to the current presentation.

(2) As resolved by the board of directors on May 15, 2024, the Company implemented a stock split of its
common stock with an effective date of October 1, 2024, whereby each share of common stock owned by shareholders listed or recorded in the closing register of shareholders on the record date of September 30, 2024 was split into three
shares. Basic and diluted earnings per share are calculated based on the assumption that the stock split had been implemented at the beginning of the fiscal year ended March 31, 2025.

– 4 –