# EDGAR Filing Document

**Accession Number:** 0001022837
**File Stem:** 0001193125-26-030253
**Filing Date:** 2026-1
**Character Count:** 58904
**Document Hash:** 97d216171b36b65f4c6ddc8dfbbdcd86
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-030253.hdr.sgml**: 20260130

**ACCESSION NUMBER**: 0001193125-26-030253

**CONFORMED SUBMISSION TYPE**: 6-K

**PUBLIC DOCUMENT COUNT**: 3

**CONFORMED PERIOD OF REPORT**: 20260130

**FILED AS OF DATE**: 20260130

**DATE AS OF CHANGE**: 20260130

**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:** 26580352

**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

##### [**Table of Contents**](#toc)
**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 January 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, 2026)."

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##### [**Table of Contents**](#toc)
**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. | Sumitomo Mitsui Financial Group, Inc. |
| By: | /s/ Jun Okahashi | /s/ Jun Okahashi |
|  | Name: | Jun Okahashi |
|  | Title: | Executive Officer & General Manager,<br> Financial Accounting Dept |

---

Date: January 30, 2026

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##### [**Table of Contents**](#toc)
January 30, 2026

---

| | | |
|:---|:---|:---|
| ![LOGO](g15713g64v33.gif) | **Sumitomo Mitsui Financial Group, Inc.**<br> Consolidated Financial Results for the nine months ended December 31, 2025<br>| ![LOGO](g15713g18n06.jpg) |

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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: <u>https://www.smfg.co.jp/english/</u>

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 nine months ended December 31, 2025)

(1) Operating results

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

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  | Ordinary income | Ordinary income | Ordinary profit | Ordinary profit | Ordinary profit | Profit attributable to<br>owners of parent | Profit attributable to<br>owners of parent | Profit attributable to<br>owners of parent |
| &nbsp;&nbsp;&nbsp; Nine months ended December 31, 2025 | &nbsp;&nbsp;&nbsp; Nine months ended December 31, 2025 | &nbsp;&nbsp;&nbsp; Nine months ended December 31, 2025 | ¥ 7,934,366 | 3.7% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;¥ | 1899055 | 17.3% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;¥ | 1394768 | 22.8% |
| &nbsp;&nbsp;&nbsp; Nine months ended December 31, 2024 | &nbsp;&nbsp;&nbsp; Nine months ended December 31, 2024 | &nbsp;&nbsp;&nbsp; Nine months ended December 31, 2024 | 7652260 | 14.4 |  | 1619085 | 35.3 |  | 1135971 | 43.3 |
| Notes: | 1. | Comprehensive income: |  |  |  |  |  |  |  |  |
|  |  | (a) for the nine months ended December 31, 2025: ¥ 1,923,729 million [75.8%] | (a) for the nine months ended December 31, 2025: ¥ 1,923,729 million [75.8%] | (a) for the nine months ended December 31, 2025: ¥ 1,923,729 million [75.8%] | (a) for the nine months ended December 31, 2025: ¥ 1,923,729 million [75.8%] | (a) for the nine months ended December 31, 2025: ¥ 1,923,729 million [75.8%] | (a) for the nine months ended December 31, 2025: ¥ 1,923,729 million [75.8%] | (a) for the nine months ended December 31, 2025: ¥ 1,923,729 million [75.8%] | (a) for the nine months ended December 31, 2025: ¥ 1,923,729 million [75.8%] | (a) for the nine months ended December 31, 2025: ¥ 1,923,729 million [75.8%] |
|  |  | (b) for the nine months ended December 31, 2024: ¥ 1,094,402 million [(31.4)%] | (b) for the nine months ended December 31, 2024: ¥ 1,094,402 million [(31.4)%] | (b) for the nine months ended December 31, 2024: ¥ 1,094,402 million [(31.4)%] | (b) for the nine months ended December 31, 2024: ¥ 1,094,402 million [(31.4)%] | (b) for the nine months ended December 31, 2024: ¥ 1,094,402 million [(31.4)%] | (b) for the nine months ended December 31, 2024: ¥ 1,094,402 million [(31.4)%] | (b) for the nine months ended December 31, 2024: ¥ 1,094,402 million [(31.4)%] | (b) for the nine months ended December 31, 2024: ¥ 1,094,402 million [(31.4)%] | (b) for the nine months ended December 31, 2024: ¥ 1,094,402 million [(31.4)%] |
|  | 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. | 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. | 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. | 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. | 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. | 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. | 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. | 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. | 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. |
|  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Earnings per share | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Earnings per share | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Earnings per share <br> (Diluted) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Earnings per share <br> (Diluted) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Earnings per share <br> (Diluted) |  |  |  |
| &nbsp;&nbsp;&nbsp; Nine months ended December 31, 2025 | &nbsp;&nbsp;&nbsp; Nine months ended December 31, 2025 | &nbsp;&nbsp;&nbsp; Nine months ended December 31, 2025 | ¥ 362.20 | ¥ 362.20 |  | ¥ 362.12 | ¥ 362.12 |  |  |  |
| &nbsp;&nbsp;&nbsp; Nine months ended December 31, 2024 | &nbsp;&nbsp;&nbsp; Nine months ended December 31, 2024 | &nbsp;&nbsp;&nbsp; Nine months ended December 31, 2024 | 289.99 | 289.99 |  | 289.92 | 289.92 |  |  |  |
| Note: | On October 1, 2024, Sumitomo Mitsui Financial Group, Inc. ("the Company") executed a three-for-one split of its common stock, with a record date of September 30, 2024. Earnings per share and Earnings per share (Diluted) reflect the impact of the stock split. | On October 1, 2024, Sumitomo Mitsui Financial Group, Inc. ("the Company") executed a three-for-one split of its common stock, with a record date of September 30, 2024. Earnings per share and Earnings per share (Diluted) reflect the impact of the stock split. | On October 1, 2024, Sumitomo Mitsui Financial Group, Inc. ("the Company") executed a three-for-one split of its common stock, with a record date of September 30, 2024. Earnings per share and Earnings per share (Diluted) reflect the impact of the stock split. | On October 1, 2024, Sumitomo Mitsui Financial Group, Inc. ("the Company") executed a three-for-one split of its common stock, with a record date of September 30, 2024. Earnings per share and Earnings per share (Diluted) reflect the impact of the stock split. | On October 1, 2024, Sumitomo Mitsui Financial Group, Inc. ("the Company") executed a three-for-one split of its common stock, with a record date of September 30, 2024. Earnings per share and Earnings per share (Diluted) reflect the impact of the stock split. | On October 1, 2024, Sumitomo Mitsui Financial Group, Inc. ("the Company") executed a three-for-one split of its common stock, with a record date of September 30, 2024. Earnings per share and Earnings per share (Diluted) reflect the impact of the stock split. | On October 1, 2024, Sumitomo Mitsui Financial Group, Inc. ("the Company") executed a three-for-one split of its common stock, with a record date of September 30, 2024. Earnings per share and Earnings per share (Diluted) reflect the impact of the stock split. | On October 1, 2024, Sumitomo Mitsui Financial Group, Inc. ("the Company") executed a three-for-one split of its common stock, with a record date of September 30, 2024. Earnings per share and Earnings per share (Diluted) reflect the impact of the stock split. | On October 1, 2024, Sumitomo Mitsui Financial Group, Inc. ("the Company") executed a three-for-one split of its common stock, with a record date of September 30, 2024. Earnings per share and Earnings per share (Diluted) reflect the impact of the stock split. | On October 1, 2024, Sumitomo Mitsui Financial Group, Inc. ("the Company") executed a three-for-one split of its common stock, with a record date of September 30, 2024. Earnings per share and Earnings per share (Diluted) reflect the impact of the stock split. |
| (2) Financial position | (2) Financial position | (2) Financial position |  |  |  |  |  |  |  |  |
| (Millions of yen, except percentages) | (Millions of yen, except percentages) | (Millions of yen, except percentages) | (Millions of yen, except percentages) | (Millions of yen, except percentages) | (Millions of yen, except percentages) | (Millions of yen, except percentages) | (Millions of yen, except percentages) | (Millions of yen, except percentages) | (Millions of yen, except percentages) | (Millions of yen, except percentages) |
|  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total assets | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total assets | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net assets | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net assets | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net assets | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net assets ratio | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net assets ratio | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net assets ratio |
| &nbsp;&nbsp;&nbsp; As of December 31, 2025 | &nbsp;&nbsp;&nbsp; As of December 31, 2025 | &nbsp;&nbsp;&nbsp; As of December 31, 2025 | ¥ 316,731,786 | ¥ 316,731,786 |  | ¥ 15,786,704 | ¥ 15,786,704 |  | 4.9% | 4.9% |
| &nbsp;&nbsp;&nbsp; As of March 31, 2025 | &nbsp;&nbsp;&nbsp; As of March 31, 2025 | &nbsp;&nbsp;&nbsp; As of March 31, 2025 | 306282015 | 306282015 |  | 14841509 | 14841509 |  | 4.8 | 4.8 |
| Notes: | 1. | Stockholders' equity: | Stockholders' equity: | Stockholders' equity: | Stockholders' equity: | Stockholders' equity: | Stockholders' equity: | Stockholders' equity: | Stockholders' equity: | Stockholders' equity: |
|  |  | (a) as of December 31, 2025: ¥ 15,651,179 million (b) as of March 31, 2025: ¥ 14,703,435 million | (a) as of December 31, 2025: ¥ 15,651,179 million (b) as of March 31, 2025: ¥ 14,703,435 million | (a) as of December 31, 2025: ¥ 15,651,179 million (b) as of March 31, 2025: ¥ 14,703,435 million | (a) as of December 31, 2025: ¥ 15,651,179 million (b) as of March 31, 2025: ¥ 14,703,435 million | (a) as of December 31, 2025: ¥ 15,651,179 million (b) as of March 31, 2025: ¥ 14,703,435 million | (a) as of December 31, 2025: ¥ 15,651,179 million (b) as of March 31, 2025: ¥ 14,703,435 million | (a) as of December 31, 2025: ¥ 15,651,179 million (b) as of March 31, 2025: ¥ 14,703,435 million | (a) as of December 31, 2025: ¥ 15,651,179 million (b) as of March 31, 2025: ¥ 14,703,435 million | (a) as of December 31, 2025: ¥ 15,651,179 million (b) as of March 31, 2025: ¥ 14,703,435 million |
|  | 2. | Net assets ratio = {(Net assets – stock acquisition rights – non-controlling interests) / total assets} X 100 | Net assets ratio = {(Net assets – stock acquisition rights – non-controlling interests) / total assets} X 100 | Net assets ratio = {(Net assets – stock acquisition rights – non-controlling interests) / total assets} X 100 | Net assets ratio = {(Net assets – stock acquisition rights – non-controlling interests) / total assets} X 100 | Net assets ratio = {(Net assets – stock acquisition rights – non-controlling interests) / total assets} X 100 | Net assets ratio = {(Net assets – stock acquisition rights – non-controlling interests) / total assets} X 100 | Net assets ratio = {(Net assets – stock acquisition rights – non-controlling interests) / total assets} X 100 | Net assets ratio = {(Net assets – stock acquisition rights – non-controlling interests) / total assets} X 100 | Net assets ratio = {(Net assets – stock acquisition rights – non-controlling interests) / total assets} X 100 |

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2. Dividends on common stock

(Yen)

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | Cash dividends per share | Cash dividends per share | Cash dividends per share | Cash dividends per share | Cash dividends per share |
|  | &nbsp;&nbsp;&nbsp;&nbsp;1st quarter | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2nd quarter | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3rd quarter | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4th quarter | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Annual |
| &nbsp;&nbsp;&nbsp; Fiscal year ended March 31, 2025 | ¥ — | ¥ 180.00 | ¥ — | ¥ 62.00 | ¥ — |
| &nbsp;&nbsp;&nbsp; Fiscal year ending March 31, 2026 |  | 78.00 |  |  |  |
| &nbsp;&nbsp;&nbsp; Fiscal year ending March 31, 2026 (Forecast) |  |  |  | 79.00 | 157.00 |

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| | | |
|:---|:---|:---|
| Notes: | 1. | Dividend forecast remains unchanged. |
|  | 2. | On October 1, 2024, the Company executed a three-for-one split of its common stock, with a record date of September 30, 2024. For the fiscal year ended March 31, 2025, the cash dividends per share for the 4th quarter reflect the impact of the stock split, and the annual cash dividends per share are stated as "—." If the stock split is not taken into account, the 4th quarter and annual cash dividends per share would have been ¥186 and ¥366, respectively. The cash dividends per share for the 2nd quarter and annual cash dividends per share after reflecting the stock split are ¥60 and ¥122, respectively. |

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3. Earnings forecast on a consolidated basis (for the fiscal year ending March 31, 2026)

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

---

| | | | |
|:---|:---|:---|:---|
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Profit attributable to owners of parent | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Profit attributable to owners of parent | Earnings per share |
| &nbsp;&nbsp;&nbsp; Fiscal year ending March 31, 2026 | ¥ 1,500,000 | 27.3% | ¥ 390.16 |

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| | | |
|:---|:---|:---|
| 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. | At the Board of Directors meeting held on November 14, 2025, the Company resolved to acquire treasury stock. Forecasted earnings per share are calculated by dividing the forecasted profit attributable to owners of parent by the number of common stock shares. 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 period (excluding treasury stock)" and "the expected number of issued common stock shares at the end of the period," represented by the number of shares as of the end of the third quarter (excluding treasury stock) after reflecting the aforementioned acquisition of treasury stock. |

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| | |
|:---|:---|
|  [Notes] | [Notes] |
| (1) There were no changes in material consolidated subsidiaries during the period. | (1) There were no changes in material consolidated subsidiaries during the period. |
| (2) Special accounting methods used for preparing quarterly consolidated financial statements were adopted. | (2) Special accounting methods used for preparing quarterly consolidated financial statements were adopted. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Note: For more details, see page 5 "3. Notes to quarterly consolidated financial statements." | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 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 | (3) Changes in accounting policies, changes in accounting estimates and restatements |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Changes in accounting policies due to application of new or revised accounting standards | : No |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Changes in accounting policies due to reasons other than above (a) | : No |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Changes in accounting estimates | : No |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Restatements | : No |
| (4) Number of shares issued (common stocks) | (4) Number of shares issued (common stocks) |

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| | | |
|:---|:---|:---|
|  | As of December 31, 2025  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As of March 31, 2025  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Number of shares issued (including treasury stocks) | 3,857,407,640 shares | 3,884,445,458 shares |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Number of treasury stocks | &nbsp;&nbsp;&nbsp;&nbsp;29,270,960 shares | &nbsp;&nbsp;&nbsp;&nbsp;10,651,848 shares |
|  | Nine months ended <br>December 31, 2025 | Nine months ended <br>December 31, 2024  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Average number of shares issued during the period | 3,850,846,378 shares | 3,917,225,669 shares |

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| | | |
|:---|:---|:---|
| Notes: | 1. | 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. |
|  | 2. | On October 1, 2024, the Company executed a three-for-one split of its common stock, with a record date of September 30, 2024. The average number of shares issued during the period reflects the impact of the stock split. |

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[Note on quarterly review process]

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

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

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##### [**Table of Contents**](#toc)
Sumitomo Mitsui Financial Group, Inc.

Table of contents

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| | | |
|:---|:---|:---|
| I. | [Consolidated operating results for the nine months ended December 31, 2025 (fiscal 2025)](#tx15713_1) | 2 |
| II. | [Quarterly consolidated financial statements and main notes](#tx15713_2) | 3 |
| 1. | [Quarterly consolidated balance sheets](#tx15713_3) | 3 |
| 2. | [Quarterly consolidated statements of income and quarterly consolidated statements of comprehensive income](#tx15713_4) | 4 |
| 3. | [Notes to quarterly consolidated financial statements](#tx15713_5) | 5 |
|  | &nbsp;&nbsp;&nbsp;&nbsp; [Application of special accounting methods used for preparing quarterly consolidated financial statements](#tx15713_6) | 5 |
|  | &nbsp;&nbsp;&nbsp;&nbsp; [Notes to segment and other related information](#tx15713_7) | 6 |
|  | &nbsp;&nbsp;&nbsp;&nbsp; [Material changes in stockholders' equity](#tx15713_8) | 6 |
|  | &nbsp;&nbsp;&nbsp;&nbsp; [Note on going concern](#tx15713_9) | 6 |
|  | &nbsp;&nbsp;&nbsp;&nbsp; [Notes to quarterly consolidated statements of cash flows](#tx15713_10) | 7 |

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\* Appendix: Financial results for the nine months ended December 31, 2025 supplementary information

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##### [**Table of Contents**](#toc)
Sumitomo Mitsui Financial Group, Inc.

**<u>I. Consolidated operating results for the nine months ended December 31, 2025 (fiscal 2025)</u>** 

The subject matter is described in the "Overview of 3Q FY3/2026" disclosed on January 30, 2026 (Friday), which is available on our website at <u>https://www.smfg.co.jp/english/investor/financial/latest_statement.html</u>.

The information is posted under FY 2025 ending March 31, 2026, Financial Results section, Third Quarter, Overview of performance, on the above website.

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##### [**Table of Contents**](#toc)
Sumitomo Mitsui Financial Group, Inc.

**<u>II. Quarterly consolidated financial statements and main notes</u>**

**1. Quarterly consolidated balance sheets** 

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| | | |
|:---|:---|:---|
| | **Millions of yen** | **Millions of yen** |
| | **March 31, 2025** | **December 31, 2025** |
|  **Assets:** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Cash and due from banks | ¥75590583 | ¥69260055 |
| &nbsp;&nbsp;&nbsp;&nbsp; Call loans and bills bought | 5197978 | 6505392 |
| &nbsp;&nbsp;&nbsp;&nbsp; Receivables under resale agreements | 16205759 | 19469791 |
| &nbsp;&nbsp;&nbsp;&nbsp; Receivables under securities borrowing transactions | 5799821 | 5751748 |
| &nbsp;&nbsp;&nbsp;&nbsp; Monetary claims bought | 5618985 | 6134892 |
| &nbsp;&nbsp;&nbsp;&nbsp; Trading assets | 11976375 | 15310913 |
| &nbsp;&nbsp;&nbsp;&nbsp; Money held in trust | 32272 | 36592 |
| &nbsp;&nbsp;&nbsp;&nbsp; Securities | 40760968 | 40638541 |
| &nbsp;&nbsp;&nbsp;&nbsp; Loans and bills discounted | 111136239 | 117344675 |
| &nbsp;&nbsp;&nbsp;&nbsp; Foreign exchanges | 2712573 | 2162987 |
| &nbsp;&nbsp;&nbsp;&nbsp; Lease receivables and investment assets | 231199 | 216856 |
| &nbsp;&nbsp;&nbsp;&nbsp; Other assets | 13722960 | 15505536 |
| &nbsp;&nbsp;&nbsp;&nbsp; Tangible fixed assets | 1006556 | 1053597 |
| &nbsp;&nbsp;&nbsp;&nbsp; Intangible fixed assets | 1017322 | 1071882 |
| &nbsp;&nbsp;&nbsp;&nbsp; Net defined benefit asset | 987288 | 1032358 |
| &nbsp;&nbsp;&nbsp;&nbsp; Deferred tax assets | 71261 | 97991 |
| &nbsp;&nbsp;&nbsp;&nbsp; Customers' liabilities for acceptances and guarantees | 15139799 | 16085990 |
| &nbsp;&nbsp;&nbsp;&nbsp; Reserve for possible loan losses | (925931) | (948019) |
| &nbsp;&nbsp;&nbsp;&nbsp; Total assets | ¥306282015 | ¥316731786 |
|  **Liabilities:** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Deposits | ¥171498651 | ¥176802490 |
| &nbsp;&nbsp;&nbsp;&nbsp; Negotiable certificates of deposit | 17175391 | 16447629 |
| &nbsp;&nbsp;&nbsp;&nbsp; Call money and bills sold | 4378276 | 3235666 |
| &nbsp;&nbsp;&nbsp;&nbsp; Payables under repurchase agreements | 25797136 | 26094224 |
| &nbsp;&nbsp;&nbsp;&nbsp; Payables under securities lending transactions | 2183655 | 1664376 |
| &nbsp;&nbsp;&nbsp;&nbsp; Commercial paper | 2686483 | 3608267 |
| &nbsp;&nbsp;&nbsp;&nbsp; Trading liabilities | 9726615 | 12153731 |
| &nbsp;&nbsp;&nbsp;&nbsp; Borrowed money | 11355209 | 9460833 |
| &nbsp;&nbsp;&nbsp;&nbsp; Foreign exchanges | 1771839 | 1593871 |
| &nbsp;&nbsp;&nbsp;&nbsp; Short-term bonds | 728200 | 586312 |
| &nbsp;&nbsp;&nbsp;&nbsp; Bonds | 13352392 | 14726703 |
| &nbsp;&nbsp;&nbsp;&nbsp; Due to trust account | 1041660 | 1512257 |
| &nbsp;&nbsp;&nbsp;&nbsp; Other liabilities | 13700199 | 15885940 |
| &nbsp;&nbsp;&nbsp;&nbsp; Reserve for employee bonuses | 130464 | 88717 |
| &nbsp;&nbsp;&nbsp;&nbsp; Reserve for executive bonuses | 5433 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Net defined benefit liability | 33890 | 35402 |
| &nbsp;&nbsp;&nbsp;&nbsp; Reserve for executive retirement benefits | 1007 | 850 |
| &nbsp;&nbsp;&nbsp;&nbsp; Reserve for point service program | 32656 | 33653 |
| &nbsp;&nbsp;&nbsp;&nbsp; Reserve for reimbursement of deposits | 5573 | 2947 |
| &nbsp;&nbsp;&nbsp;&nbsp; Reserve for losses on interest repayment | 242127 | 230633 |
| &nbsp;&nbsp;&nbsp;&nbsp; Reserves under the special laws | 5365 | 6280 |
| &nbsp;&nbsp;&nbsp;&nbsp; Deferred tax liabilities | 422050 | 662150 |
| &nbsp;&nbsp;&nbsp;&nbsp; Deferred tax liabilities for land revaluation | 26424 | 26150 |
| &nbsp;&nbsp;&nbsp;&nbsp; Acceptances and guarantees | 15139799 | 16085990 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total liabilities | 291440506 | 300945082 |
|  **Net assets:** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Capital stock | 2345960 | 2346888 |
| &nbsp;&nbsp;&nbsp;&nbsp; Capital surplus | 611423 | 586966 |
| &nbsp;&nbsp;&nbsp;&nbsp; Retained earnings | 8290170 | 8822017 |
| &nbsp;&nbsp;&nbsp;&nbsp; Treasury stock | (38512) | (127286) |
| &nbsp;&nbsp;&nbsp;&nbsp; Total stockholders' equity | 11209042 | 11628585 |
| &nbsp;&nbsp;&nbsp;&nbsp; Net unrealized gains (losses) on other securities | 1930834 | 2414111 |
| &nbsp;&nbsp;&nbsp;&nbsp; Net deferred gains (losses) on hedges | (168604) | (237643) |
| &nbsp;&nbsp;&nbsp;&nbsp; Land revaluation excess | 32849 | 29719 |
| &nbsp;&nbsp;&nbsp;&nbsp; Foreign currency translation adjustments | 1411827 | 1565142 |
| &nbsp;&nbsp;&nbsp;&nbsp; Accumulated remeasurements of defined benefit plans | 287487 | 251265 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total accumulated other comprehensive income | 3494393 | 4022594 |
| &nbsp;&nbsp;&nbsp;&nbsp; Stock acquisition rights | 767 | 642 |
| &nbsp;&nbsp;&nbsp;&nbsp; Non-controlling interests | 137306 | 134882 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total net assets | 14841509 | 15786704 |
|  Total liabilities and net assets | ¥&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;306282015 | ¥&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;316731786 |

---

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##### [**Table of Contents**](#toc)
Sumitomo Mitsui Financial Group, Inc.

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

&nbsp;&nbsp;&nbsp;&nbsp;**(Quarterly consolidated statements of income)** 

---

| | | |
|:---|:---|:---|
|  | **Millions of yen** | **Millions of yen** |
| **Nine months ended December 31** | **2024** | **2025** |
|  Ordinary income | ¥7652260 | ¥7934366 |
| &nbsp;&nbsp;&nbsp;&nbsp; Interest income | 5214666 | 5330631 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest on loans and discounts | 3023432 | 3027364 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest and dividends on securities | 683234 | 721263 |
| &nbsp;&nbsp;&nbsp;&nbsp; Trust fees | 7010 | 8412 |
| &nbsp;&nbsp;&nbsp;&nbsp; Fees and commissions | 1401779 | 1520131 |
| &nbsp;&nbsp;&nbsp;&nbsp; Trading income | 222109 | 183472 |
| &nbsp;&nbsp;&nbsp;&nbsp; Other operating income | 254406 | 336253 |
| &nbsp;&nbsp;&nbsp;&nbsp; Other income | 552290 | 555465 |
|  Ordinary expenses | 6033174 | 6035311 |
| &nbsp;&nbsp;&nbsp;&nbsp; Interest expenses | 3535091 | 3384457 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest on deposits | 1288630 | 1275788 |
| &nbsp;&nbsp;&nbsp;&nbsp; Fees and commissions payments | 231110 | 218877 |
| &nbsp;&nbsp;&nbsp;&nbsp; Other operating expenses | 171482 | 182577 |
| &nbsp;&nbsp;&nbsp;&nbsp; General and administrative expenses | 1772978 | 1899234 |
| &nbsp;&nbsp;&nbsp;&nbsp; Other expenses | 322512 | 350163 |
|  Ordinary profit | 1619085 | 1899055 |
|  Extraordinary gains | 2423 | 2305 |
|  Extraordinary losses | 9061 | 7141 |
|  Income before income taxes | 1612448 | 1894219 |
|  Income taxes | 470023 | 501867 |
|  Profit | 1142424 | 1392351 |
|  Profit (loss) attributable to non-controlling interests | 6452 | (2416) |
|  Profit attributable to owners of parent | ¥1135971 | ¥1394768 |
| &nbsp;&nbsp;&nbsp;&nbsp; **(Quarterly consolidated statements of comprehensive income)** |  |  |
|  | **Millions of yen** | **Millions of yen** |
| **Nine months ended December 31** | **2024** | **2025** |
|  Profit | ¥1142424 | ¥&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1392351 |
|  Other comprehensive income (losses) | (48021) | 531378 |
| &nbsp;&nbsp;&nbsp;&nbsp; Net unrealized gains (losses) on other securities | (136601) | 485794 |
| &nbsp;&nbsp;&nbsp;&nbsp; Net deferred gains (losses) on hedges | (83990) | (67568) |
| &nbsp;&nbsp;&nbsp;&nbsp; Land revaluation excess |  | (776) |
| &nbsp;&nbsp;&nbsp;&nbsp; Foreign currency translation adjustments | 180852 | 204602 |
| &nbsp;&nbsp;&nbsp;&nbsp; Remeasurements of defined benefit plans | (21238) | (36305) |
| &nbsp;&nbsp;&nbsp;&nbsp; Share of other comprehensive income of affiliates | 12955 | (54368) |
|  Total comprehensive income | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1094402 | 1923729 |
| &nbsp;&nbsp;&nbsp;&nbsp; Comprehensive income attributable to owners of parent | 1081953 | 1925322 |
| &nbsp;&nbsp;&nbsp;&nbsp; Comprehensive income attributable to non-controlling interests | 12449 | (1592) |

---

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##### [**Table of Contents**](#toc)
Sumitomo Mitsui Financial Group, Inc.

**3. Notes to 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, 2026 including the period for the nine months ended December 31, 2025. The amounts of Income taxes include Income taxes-deferred.

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##### [**Table of Contents**](#toc)
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** | **Millions of yen** | **Millions of yen** | **Millions of yen** | **Millions of yen** | **Millions of yen** |
| <br>**Nine months ended December 31, 2024** | **Wholesale<br>Business<br>Unit** | **Retail<br>Business<br>Unit** | **Global<br>Business<br>Unit** | **Global<br>Markets<br>Business<br>Unit** | **Head office<br>account and<br>others** | **Total** |
|  Consolidated gross profit | ¥671700 | ¥1012900 | ¥1075700 | ¥535800 | ¥(133814) | ¥3162286 |
|  General and administrative expenses | (244000) | (810700) | (690600) | (148400) | 120722 | (1772978) |
|  Others | 92300 | 3300 | 83500 | 25900 | (134485) | 70515 |
|  Consolidated net business profit | ¥520000 | ¥205500 | ¥468600 | ¥413300 | ¥(147577) | ¥1459823 |

---

---

| | |
|:---|:---|
| Notes: | 1. Figures shown in parentheses represent a loss. |
|  | 2. "Others" includes equity in the 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** | **Millions of yen** | **Millions of yen** | **Millions of yen** | **Millions of yen** | **Millions of yen** |
| <br>**Nine months ended December 31, 2025** | **Wholesale<br>Business<br>Unit** | **Retail<br>Business<br>Unit** | **Global<br>Business<br>Unit** | **Global<br>Markets<br>Business<br>Unit** | **Head office**<br>**account and**<br>**others** | **Total** |
|  Consolidated gross profit | ¥874500 | ¥1119400 | ¥1158800 | ¥513200 | ¥(72912) | ¥3592988 |
|  General and administrative expenses | (301000) | (829100) | (768900) | (166900) | 166666 | (1899234) |
|  Others | 111100 | 3500 | 121000 | 28800 | (156377) | 108023 |
|  Consolidated net business profit | ¥684600 | ¥293800 | ¥510900 | ¥375100 | ¥(62624) | ¥1801776 |

---

---

| | |
|:---|:---|
| Notes: | 1. Figures shown in parentheses represent a loss. |
|  | 2. "Others" includes equity in the 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)

---

| | |
|:---|:---|
| **Nine months ended December 31, 2024** | **Millions of yen** |
|  Consolidated net business profit | ¥1459823 |
|  Other ordinary income (excluding equity in gains of affiliates) | 481774 |
|  Other ordinary expenses | (322512) |
|  Ordinary profit on quarterly consolidated statements of income | ¥1619085 |

---

Note: Figures shown in parentheses represent a loss.

---

| | |
|:---|:---|
| **Nine months ended December 31, 2025** | **Millions of yen** |
|  Consolidated net business profit | ¥1801776 |
|  Other ordinary income (excluding equity in gains of affiliates) | 447442 |
|  Other ordinary expenses | (350163) |
|  Ordinary profit on quarterly consolidated statements of income | ¥1899055 |

---

Note: Figures shown in parentheses represent a loss.

**(Material changes in stockholders' equity)** 

Not applicable.

**(Note on going concern)** 

Not applicable.

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##### [**Table of Contents**](#toc)
Sumitomo Mitsui Financial Group, Inc.

**(Notes to quarterly consolidated statements of cash flows)** 

Quarterly consolidated statements of cash flows were not prepared for the nine months ended December 31, 2025. "Depreciation" (including amortization of intangible fixed assets other than goodwill) and "Amortization of goodwill" for the nine months ended December 31, 2024 and 2025 were as follows:

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **Millions of yen** | **Millions of yen** | **Millions of yen** | **Millions of yen** |
| <br>**Nine months ended December 31** | **2024** | **2024** | **2025** | **2025** |
|  Depreciation | ¥ | 187859 | ¥ | 192825 |
|  Amortization of goodwill |  | 21175 |  | 20031 |

---

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##### [**Table of Contents**](#toc)

## Financial results

## for the nine months

## ended December 31, 2025

## - Supplementary information -

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | Table of contents | Table of contents | Table of contents | Table of contents |  |
| 1. | [Operating results](#suppcov15713_1) | Consolidated | Non-consolidated | … | 1 |
| 2. | [Interest spread (domestic)](#suppcov15713_2) |  | Non-consolidated | … | 3 |
| 3. | [Non-performing loans (NPLs) based on<br> the Banking Act and the Reconstruction Act](#suppcov15713_3) | Consolidated | Non-consolidated | … | 3 |
| 4. | [Unrealized gains (losses) on securities](#suppcov15713_4) | Consolidated | Non-consolidated | … | 4 |
| 5. | [Deposits and loans](#suppcov15713_5) |  | Non-consolidated | … | 5 |

---

Notes:

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

&nbsp;&nbsp;&nbsp;&nbsp;2. Non-consolidated : Non-consolidated figures of Sumitomo Mitsui Banking Corporation ("SMBC")

&nbsp;&nbsp;&nbsp;&nbsp;3. Capital ratio as of December 31, 2025 will be announced when it is fixed.

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##### [**Table of Contents**](#toc)
Sumitomo Mitsui Financial Group

**1. Operating results** 

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Consolidated** | **Consolidated** | **Consolidated** |  | (Millions of yen)<br>|
|  |  | **Nine months<br>ended<br>December 31, 2025 (A)** | Change<br> (A) - (B) | Nine months<br>ended<br>December 31, 2024 (B) |
| &nbsp;&nbsp;&nbsp;Consolidated gross profit | *1* | 3592988 | 430701 | 3162286 |
| Net interest income | *2* | 1946173 | 266598 | 1679574 |
| Trust fees | *3* | 8412 | 1402 | 7010 |
| Net fees and commissions | *4* | 1301254 | 130585 | 1170668 |
| Net trading income | *5* | 183472 | (38636) | 222109 |
| Net other operating income | *6* | 153676 | 70752 | 82923 |
| &nbsp;&nbsp;&nbsp;General and administrative expenses | *7* | (1899234) | (126256) | (1772978) |
| &nbsp;&nbsp;&nbsp;Equity in gains (losses) of affiliates | *8* | 108023 | 37507 | 70515 |
| &nbsp;&nbsp;&nbsp;Consolidated net business profit | *9* | 1801776 | 341953 | 1459823 |
| &nbsp;&nbsp;&nbsp;Total credit cost | *10* | (216782) | (58759) | (158022) |
| Credit costs | *11* | (243116) | (72282) | (170833) |
| Write-off of loans | *12* | (125008) | 2548 | (127556) |
| Provision for reserve for possible loan losses | *13* | (91672) | (75407) | (16265) |
| Others | *14* | (26435) | 576 | (27011) |
| Recoveries of written-off claims | *15* | 26333 | 13522 | 12811 |
| &nbsp;&nbsp;&nbsp;Gains (losses) on stocks | *16* | 352527 | (78671) | 431198 |
| &nbsp;&nbsp;&nbsp;Other income (expenses) | *17* | (38466) | 75447 | (113913) |
| &nbsp;&nbsp;&nbsp;Ordinary profit | *18* | 1899055 | 279969 | 1619085 |
| &nbsp;&nbsp;&nbsp;Extraordinary gains (losses) | *19* | (4836) | 1800 | (6637) |
| Gains (losses) on disposal of fixed assets | *20* | (1636) | 1748 | (3384) |
| Losses on impairment of fixed assets | *21* | (2285) | 155 | (2440) |
| &nbsp;&nbsp;&nbsp;Income before income taxes | *22* | 1894219 | 281770 | 1612448 |
| &nbsp;&nbsp;&nbsp;Income taxes | *23* | (501867) | (31843) | (470023) |
| &nbsp;&nbsp;&nbsp;Profit | *24* | 1392351 | 249926 | 1142424 |
| &nbsp;&nbsp;&nbsp;Profit (loss) attributable to non-controlling interests | *25* | 2416 | 8869 | (6452) |
| &nbsp;&nbsp;&nbsp;Profit attributable to owners of parent | *26* | 1394768 | 258796 | 1135971 |
| Notes: 1. Amounts less than 1 million yen are rounded down. Figures in parenthesis indicate the amount of loss or decrease. | Notes: 1. Amounts less than 1 million yen are rounded down. Figures in parenthesis indicate the amount of loss or decrease. | Notes: 1. Amounts less than 1 million yen are rounded down. Figures in parenthesis indicate the amount of loss or decrease. | Notes: 1. Amounts less than 1 million yen are rounded down. Figures in parenthesis indicate the amount of loss or decrease. | Notes: 1. Amounts less than 1 million yen are rounded down. Figures in parenthesis indicate the amount of loss or decrease. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Consolidated gross profit = (Interest income - Interest expenses) + Trust fees + (Fees and commissions - Fees and commissions payments)<br>+ (Trading income - Trading losses) + (Other operating income - Other operating expenses)<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. The amount of Income taxes includes income taxes-deferred. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Consolidated gross profit = (Interest income - Interest expenses) + Trust fees + (Fees and commissions - Fees and commissions payments)<br>+ (Trading income - Trading losses) + (Other operating income - Other operating expenses)<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. The amount of Income taxes includes income taxes-deferred. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Consolidated gross profit = (Interest income - Interest expenses) + Trust fees + (Fees and commissions - Fees and commissions payments)<br>+ (Trading income - Trading losses) + (Other operating income - Other operating expenses)<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. The amount of Income taxes includes income taxes-deferred. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Consolidated gross profit = (Interest income - Interest expenses) + Trust fees + (Fees and commissions - Fees and commissions payments)<br>+ (Trading income - Trading losses) + (Other operating income - Other operating expenses)<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. The amount of Income taxes includes income taxes-deferred. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Consolidated gross profit = (Interest income - Interest expenses) + Trust fees + (Fees and commissions - Fees and commissions payments)<br>+ (Trading income - Trading losses) + (Other operating income - Other operating expenses)<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. The amount of Income taxes includes income taxes-deferred. |
| Number of consolidated subsidiaries and affiliates | Number of consolidated subsidiaries and affiliates | Number of consolidated subsidiaries and affiliates |  |  |
|  |  | **December 31, 2025** |  | March 31, 2025 |
|  |  | **December 31, 2025** | Change | March 31, 2025 |
| Consolidated subsidiaries | *27* | 178 | 6 | 172 |
| Equity method affiliates | *28* | 264 | 20 | 244 |

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##### [**Table of Contents**](#toc)
Sumitomo Mitsui Financial Group

---

| | | | | |
|:---|:---|:---|:---|:---|
| **SMBC non-consolidated** |  |  |  | (Millions of yen) |
|  |  | **Nine months<br>ended**<br> **December 31, 2025 (A)**  | Change<br> (A) - (B) | Nine months<br>ended<br>December 31, 2024 (B) |
| &nbsp;&nbsp;&nbsp; Gross banking profit | *1* | 2037602 | 297494 | 1740107 |
| Net interest income | *2* | 1408319 | 231751 | 1176567 |
| Trust fees | *3* | 3025 | 539 | 2485 |
| Net fees and commissions | *4* | 425935 | 21264 | 404671 |
| Net trading income | *5* | 11561 | (29940) | 41501 |
| Net other operating income | *6* | 188759 | 73878 | 114881 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*Gains (losses) on bonds* | *7* | *24371* | *10811* | *13560* |
| &nbsp;&nbsp;&nbsp;Expenses (excluding non-recurring losses) | *8* | (836093) | (53317) | (782775) |
| Personnel expenses | *9* | (343824) | (8634) | (335189) |
| Non-personnel expenses | *10* | (441722) | (41595) | (400127) |
| Taxes | *11* | (50545) | (3087) | (47458) |
| &nbsp;&nbsp;&nbsp;Banking profit (before provision for general reserve for possible loan losses) | *12* | 1201508 | 244177 | 957331 |
| &nbsp;&nbsp;&nbsp; *Gains (losses) on bonds* | *13* | *24371* | *10811* | *13560* |
| Core banking profit (12-13) | *14* | 1177137 | 233365 | 943771 |
| excluding gains (losses) on cancellation of investment trusts | *15* | 1130503 | 249332 | 881170 |
| &nbsp;&nbsp;&nbsp;Provision for general reserve for possible loan losses | *16* |  |  |  |
| &nbsp;&nbsp;&nbsp;Banking profit | *17* | 1201508 | 244177 | 957331 |
| &nbsp;&nbsp;&nbsp;Non-recurring gains (losses) | *18* | 456167 | 31542 | 424624 |
| Credit costs | *19* | (6187) | 15016 | (21203) |
| Gains on reversal of reserve for possible loan losses | *20* | 21296 | 15789 | 5506 |
| Recoveries of written-off claims | *21* | 14294 | 14294 | 0 |
| Gains (losses) on stocks | *22* | 333402 | (77745) | 411147 |
| Gains on sales of stocks | *23* | 358452 | (70506) | 428958 |
| Losses on sales of stocks | *24* | (8724) | (8385) | (338) |
| Losses on devaluation of stocks | *25* | (16325) | 1146 | (17471) |
| Other non-recurring gains (losses) | *26* | 93361 | 64187 | 29173 |
| &nbsp;&nbsp;&nbsp;Ordinary profit | *27* | 1657676 | 275719 | 1381956 |
| &nbsp;&nbsp;&nbsp;Extraordinary gains (losses) | *28* | (3200) | 565 | (3766) |
| Gains (losses) on disposal of fixed assets | *29* | (1413) | 1519 | (2932) |
| Losses on impairment of fixed assets | *30* | (1787) | (953) | (833) |
| &nbsp;&nbsp;&nbsp;Income before income taxes | *31* | 1654475 | 276285 | 1378190 |
| &nbsp;&nbsp;&nbsp;Income taxes | *32* | (404177) | (39463) | (364714) |
| &nbsp;&nbsp;&nbsp;Net income | *33* | 1250298 | 236821 | 1013476 |
| &nbsp;&nbsp;&nbsp;Total credit cost (16+19+20+21) | *34* | 29403 | 45100 | (15696) |
| Provision for general reserve for possible loan losses | *35* | 89904 | 55362 | 34542 |
| Write-off of loans | *36* | (10) | 12381 | (12392) |
| Provision for specific reserve for possible loan losses | *37* | (78916) | (55829) | (23086) |
| Losses on sales of delinquent loans | *38* | (6176) | 2634 | (8811) |
| Provision for loan loss reserve for specific overseas countries | *39* | 10307 | 16256 | (5948) |
| Recoveries of written-off claims | *40* | 14294 | 14294 | 0 |

---

---

| | |
|:---|:---|
| Notes: | 1. Amounts less than 1 million yen are rounded down. Figures in parenthesis indicate the amount of loss or decrease. |
|  | 2. The amount of Income taxes includes income taxes-deferred. |

---

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##### [**Table of Contents**](#toc)
Sumitomo Mitsui Financial Group

**2. Interest spread (domestic)** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **SMBC non-consolidated** |  |  |  |  |  | (%)<br>|
|  | **Nine months ended** | **Nine months ended** | **Nine months ended** | **Nine months ended** |  | Nine months <br> ended December 31, 2024 (B)  |
|  | **December 31, 2025 (A)** | **December 31, 2025 (A)** | **December 31, 2025 (A)** | **December 31, 2025 (A)** |  | Nine months <br> ended December 31, 2024 (B)  |
|  | April 1<br> -<br> June 30 | July 1 <br> - September 30  | October 1 <br> - <br> December 31  |  | Change<br> (A) - (B) | Nine months <br> ended December 31, 2024 (B)  |
| &nbsp;&nbsp;&nbsp; Interest earned on loans and bills discounted (a) | 1.26  | 1.30  | 1.34  | 1.30 | 0.32 | 0.98 |
| &nbsp;&nbsp;&nbsp;Interest paid on deposits, etc. (b) | 0.18 | 0.19 | 0.19 | 0.19 | 0.14 | 0.05 |
| &nbsp;&nbsp;&nbsp;Interest spread (a) - (b) | 1.08 | 1.11 | 1.15 | 1.11 | 0.18 | 0.93 |
| Reference: The figures below exclude loans to the Japanese government, among others. | Reference: The figures below exclude loans to the Japanese government, among others. | Reference: The figures below exclude loans to the Japanese government, among others. | Reference: The figures below exclude loans to the Japanese government, among others. | Reference: The figures below exclude loans to the Japanese government, among others. | Reference: The figures below exclude loans to the Japanese government, among others. | Reference: The figures below exclude loans to the Japanese government, among others. |
| &nbsp;&nbsp;&nbsp; Interest earned on loans and bills discounted (c) | 1.27  | 1.30  | 1.34  | 1.30 | 0.30 | 1.00 |
| &nbsp;&nbsp;&nbsp;Interest spread (c) - (b) | 1.09 | 1.11 | 1.15 | 1.11 | 0.16 | 0.95 |

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

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| | | | | |
|:---|:---|:---|:---|:---|
| **Consolidated** |  |  |  | (Billions of yen)<br>|
|  |  | **December 31, 2025** |  | March 31, 2025  |
|  |  | **December 31, 2025** | Change from <br> March 31, 2025  | March 31, 2025  |
| Bankrupt and quasi-bankrupt loans | *1* | 94.4 | 19.1 | 75.2 |
| Doubtful loans | *2* | 706.5 | 251.7 | 454.8 |
| Substandard loans | *3* | 417.3 | 65.6 | 351.7 |
| Past due loans (3 months or more) | *4* | 72.6 | 11.8 | 60.8 |
| Restructured loans | *5* | 344.7 | 53.8 | 290.9 |
| Total (A) | *6* | 1218.1 | 336.4 | 881.7 |
| Normal assets | *7* | 136529.8 | 6449.0 | 130080.8 |
| Grand total (B) | *8* | 137748.0 | 6785.5 | 130962.5 |
|  |  |  |  | <br> (%)<br>|
| NPL ratio (A/B) | *9* | 0.88 | 0.21 | 0.67 |
| Amount of direct reduction |  | 252.0 | 9.0 | 243.0 |
| <br> **SMBC non-consolidated** |  |  |  | (Billions of yen)<br>|
|  |  | **December 31, 2025** |  | March 31, 2025  |
|  |  | **December 31, 2025** | Change from<br> March 31, 2025 | March 31, 2025  |
| Bankrupt and quasi-bankrupt loans | *10* | 60.4 | 4.6 | 55.8 |
| Doubtful loans | *11* | 528.9 | 205.5 | 323.5 |
| Substandard loans | *12* | 218.4 | 61.2 | 157.2 |
| Past due loans (3 months or more) | *13* | 23.7 | 2.0 | 21.7 |
| Restructured loans | *14* | 194.7 | 59.2 | 135.6 |
| Total (A) | *15* | 807.7 | 271.2 | 536.5 |
| Normal assets | *16* | 127671.2 | 4800.7 | 122870.5 |
| Grand total (B) | *17* | 128478.9 | 5072.0 | 123406.9 |
|  |  |  |  | <br> (%)<br>|
| NPL ratio (A/B) | *18* | 0.63 | 0.20 | 0.43 |
| Amount of direct reduction |  | 186.6 | (11.2) | 197.8 |

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##### [**Table of Contents**](#toc)
Sumitomo Mitsui Financial Group

**4. Unrealized gains (losses) on securities** 

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| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Consolidated** | **Consolidated** | **Consolidated** |  |  |  |  |  |  |  | (Billions of yen)<br>|
|  |  |  |  | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | March 31, 2025 | March 31, 2025 |
|  |  |  |  | Balance sheet amount | Net<br>unrealized gains (losses) |  |  |  | Balance sheet <br> amount | Net unrealized gains (losses) |
|  |  |  |  | Balance sheet amount | Net<br>unrealized gains (losses) |  |  |  | Balance sheet <br> amount | Net unrealized gains (losses) |
|  |  |  |  | Balance sheet amount | Net<br>unrealized gains (losses) | <br> Change from March 31, 2025  | Gains | Losses | Balance sheet <br> amount | Net unrealized gains (losses) |
| Held-to-maturity securities | | *1* | | 3523.4 | (102.3) | (96.1) | 0.0 | 102.3 | 274.4 | (6.2) |
| Other securities | | *2* | | 36408.2 | 3543.8 | 737.8 | 4280 | 736.2 | 39776.8 | 2806 |
| Stocks | | *3* | | 3611.1 | 2559.1 | 598.2 | 2560.1 | 1.0 | 3045.2 | 1960.9 |
| Bonds | | *4* | | 8948.0 | (224.9) | (80.1) | 7.6 | 232.5 | 13893.5 | (144.8) |
| Japanese government bonds | | *5* | | 6538.5 | (98.0) | (45.6) | 0.0 | 98.0 | 11180.5 | (52.4) |
| Others | | *6* | | 23849.2 | 1209.6 | 219.7 | 1712.3 | 502.7 | 22838.1 | 989.9 |
| Foreign bonds | | *7* | | 18654.6 | (322.8) | 126.3 | 114.8 | 437.6 | 17424.7 | (449.1) |
| Other money held in trust | | *8* | | 0.5 |  |  |  |  | 0.5 |  |
| Total | | *9* | | 39932.1 | 3441.5 | 641.7 | 4280.1 | 838.5 | 40051.7 | 2799.8 |
| Stocks | | *10* | | 3611.1 | 2559.1 | 598.2 | 2560.1 | 1.0 | 3045.2 | 1960.9 |
| Bonds | | *11* | | 12418.7 | (327.2) | (176.2) | 7.6 | 334.8 | 14167.9 | (151.0) |
| Others | | *12* | | 23902.4 | 1209.6 | 219.7 | 1712.4 | 502.7 | 22838.6 | 989.9 |
| **SMBC non-consolidated** | **SMBC non-consolidated** | **SMBC non-consolidated** | **SMBC non-consolidated** | **SMBC non-consolidated** |  |  |  |  |  | (Billions of yen)<br>|
|  |  |  |  | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | March 31, 2025 | March 31, 2025 |
|  |  |  |  | Balance sheet amount | Net<br>unrealized gains (losses) |  |  |  | Balance sheet <br>amount | Net unrealized gains (losses) |
|  |  |  |  | Balance sheet amount | Net<br>unrealized gains (losses) |  |  |  | Balance sheet <br>amount | Net unrealized gains (losses) |
|  |  |  |  | Balance sheet amount | Net<br>unrealized gains (losses) | <br> Change from March 31, 2025  | Gains | Losses | Balance sheet <br>amount | Net unrealized gains (losses) |
| Held-to-maturity securities | | *13* | | 3046.2 | (95.0) | (93.8) |  | 95.0 | 22.3 | (1.2) |
| Stocks of subsidiaries and affiliates | | *14* | | 5234.4 | (3.2) | 66.9 | 12.9 | 16.1 | 5009.8 | (70.1) |
| Other securities | | *15* | | 29690.8 | 2380.2 | 605.8 | 3102.7 | 722.5 | 33564.6 | 1774.4 |
| Stocks | | *16* | | 3188.4 | 2355.7 | 538.5 | 2356.6 | 0.9 | 2693.6 | 1817.2 |
| Bonds | | *17* | | 8959.7 | (216.7) | (75.8) | 7.6 | 224.3 | 13835.1 | (140.9) |
| Japanese government bonds | | *18* | | 6356.2 | (95.3) | (42.9) | 0.0 | 95.3 | 11180.5 | (52.4) |
| Others | | *19* | | 17542.7 | 241.2 | 143.1 | 738.5 | 497.2 | 17035.9 | 98.2 |
| Foreign bonds | | *20* | | 13498.0 | (357.3) | 101.6 | 74.9 | 432.3 | 12711.0 | (458.9) |
| Total | | *21* | | 37971.4 | 2282.1 | 578.9 | 3115.6 | 833.6 | 38596.7 | 1703.2 |
| Stocks | | *22* | | 3488.4 | 2357.7 | 538.9 | 2358.7 | 0.9 | 2987.9 | 1818.9 |
| Bonds | | *23* | | 12005.9 | (311.7) | (169.6) | 7.6 | 319.3 | 13857.4 | (142.1) |
| Others | | *24* | | 22477.2 | 236.0 | 209.6 | 749.3 | 513.3 | 21751.3 | 26.4 |

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| | | |
|:---|:---|:---|
| 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) indicate the difference between the acquisition costs (or amortized costs) and the balance sheet amounts. |

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##### [**Table of Contents**](#toc)
Sumitomo Mitsui Financial Group

**5. Deposits and loans** 

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| | | | |
|:---|:---|:---|:---|
| **SMBC non-consolidated** | **SMBC non-consolidated** |  | (Billions of yen) |
|  | **December 31, 2025** |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;March 31, 2025 |
|  | **December 31, 2025** | Change from <br> March 31, 2025 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;March 31, 2025 |
| &nbsp;&nbsp;&nbsp; Domestic deposits | 128755.9 | (2068.4) | 130824.3 |
| Individual | 62955.2 | 1736.1 | 61219.1 |
| Note : The figures above exclude negotiable certificates of deposit and offshore banking accounts in Japan. | Note : The figures above exclude negotiable certificates of deposit and offshore banking accounts in Japan. | Note : The figures above exclude negotiable certificates of deposit and offshore banking accounts in Japan. | Note : The figures above exclude negotiable certificates of deposit and offshore banking accounts in Japan. |
| &nbsp;&nbsp;&nbsp; Loans and bills discounted | 109673.4 | 5157.8 | 104515.6 |
| Domestic offices (excluding offshore banking accounts) | 70429.0 | 2983.9 | 67445.1 |
| Overseas offices and offshore banking accounts | 39244.4 | 2173.9 | 37070.5 |

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