# EDGAR Filing Document

**Accession Number:** 0001022837
**File Stem:** 0001193125-26-220487
**Filing Date:** 2026-5
**Character Count:** 68410
**Document Hash:** 9848d55923488c838fa0d26c58028a48
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-220487.hdr.sgml**: 20260513

**ACCESSION NUMBER**: 0001193125-26-220487

**CONFORMED SUBMISSION TYPE**: 6-K

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260513

**FILED AS OF DATE**: 20260513

**DATE AS OF CHANGE**: 20260513

**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:** 26970744

**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 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**](#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/ Kunihito Takaichi | /s/ Kunihito Takaichi |
|  | Name: | Kunihito Takaichi |
|  | Title: | Executive Officer & General Manager,<br> Financial Accounting Dept. |

---

Date: May 13, 2026

------

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

## Financial Results

## Fiscal Year 3/2026

## - Supplementary Information -

## Sumitomo Mitsui Financial Group, Inc.

------

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

Page

---

| | | | | |
|:---|:---|:---|:---|:---|
| 1. | [Income analysis](#tx137829_1) | Consolidated | Non-consolidated | 1 |
| 2. | [Interest spread (domestic)](#tx137829_2) |  | Non-consolidated | 3 |
| 3. | [Gains (losses) on securities](#tx137829_3) |  | Non-consolidated | 3 |
| 4. | [Unrealized gains (losses) on securities](#tx137829_4) | Consolidated | Non-consolidated | 4 |
| 5. | [Balance of securities, classified by maturity](#tx137829_5) |  | Non-consolidated | 5 |
| 6. | [Notional amount of interest rate swaps (under deferred hedge accounting), classified by remaining maturity](#tx137829_6) |  | Non-consolidated | 5 |
| 7. | [Employee retirement benefits](#tx137829_7) | Consolidated | Non-consolidated | 6 |
| 8. | [Classification based on self-assessment and the Banking Act and the Reconstruction Act, and write-offs / reserves](#tx137829_8) |  | Non-consolidated | 7 |
| 9. | [Reserve for possible loan losses and reserve ratio](#tx137829_9) | Consolidated | Non-consolidated | 8 |
| 10. | [Non-performing loans (NPLs) based on the Banking Act and the Reconstruction Act, and coverage](#tx137829_10) | Consolidated | Non-consolidated | 9 |
| 11. | [Results of off-balancing of NPLs](#tx137829_11) |  | Non-consolidated | 10 |
| 12. | [Loan portfolio, classified by industry](#tx137829_12) |  | Non-consolidated | 11 |
| 13. | [Loan portfolio, classified by country](#tx137829_13) |  | Non-consolidated | 13 |
| 14. | [Balance of deposits and loans](#tx137829_14) |  | Non-consolidated | 14 |
| 15. | [Deferred tax assets and liabilities](#tx137829_15) |  | Non-consolidated | 15 |
| 16. | [Capital ratio (BIS guidelines)](#tx137829_16) | Consolidated | Non-consolidated | 16 |
| 17. | [ROE](#tx137829_17) | Consolidated |  | 16 |
|  [Reference: Financial statements of SMBC](#tx137829_18) | [Reference: Financial statements of SMBC](#tx137829_18) |  | 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**](#toc)
Sumitomo Mitsui Financial Group

1. Income analysis

---

| | | | | |
|:---|:---|:---|:---|:---|
| Consolidated |  |  |  | (Millions of yen) |
|  |  | **FY3/2026** |  | FY3/2025 |
|  |  | **FY3/2026** | <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Change <br>| FY3/2025 |
| &nbsp;&nbsp;&nbsp; Consolidated gross profit | 1 | 4844693 | 717947 | 4126746 |
| Net interest income | 2 | 2719636 | 381418 | 2338218 |
| Trust fees | 3 | 11722 | 1988 | 9733 |
| Net fees and commissions | 4 | 1820578 | 261401 | 1559176 |
| Net trading income | 5 | 199444 | (184122) | 383566 |
| Net other operating income | 6 | 93312 | 257261 | (163949) |
| &nbsp;&nbsp;&nbsp;General and administrative expenses | 7 | (2651514) | (249559) | (2401955) |
| &nbsp;&nbsp;&nbsp;Equity in gains (losses) of affiliates | 8 | 137710 | 143215 | (5504) |
| &nbsp;&nbsp;&nbsp;Consolidated net business profit | 9 | 2330890 | 611604 | 1719286 |
| &nbsp;&nbsp;&nbsp;Total credit cost | 10 | (388435) | (43887) | (344547) |
| Credit costs | 11 | (417060) | (56063) | (360997) |
| Write-off of loans | 12 | (176232) | (24648) | (151583) |
| Provision for reserve for possible loan losses | 13 | (192226) | (24586) | (167639) |
| Others | 14 | (48602) | (6827) | (41774) |
| Recoveries of written-off claims | 15 | 28624 | 12175 | 16449 |
| &nbsp;&nbsp;&nbsp;Gains (losses) on stocks | 16 | 446068 | (63779) | 509847 |
| &nbsp;&nbsp;&nbsp;Other income (expenses) | 17 | (85172) | 79931 | (165103) |
| &nbsp;&nbsp;&nbsp;Ordinary profit | 18 | 2303350 | 583868 | 1719482 |
| &nbsp;&nbsp;&nbsp;Extraordinary gains (losses) | 19 | (51625) | (32085) | (19539) |
| Gains (losses) on disposal of fixed assets | 20 | 1724 | 13477 | (11753) |
| Losses on impairment of fixed assets | 21 | (4496) | 2556 | (7052) |
| Losses related to the sale of part of the US banking subsidiary's business | 22 | (46112) | (46112) | - |
| Losses on step acquisitions | 23 | (1367) | (1367) | - |
| &nbsp;&nbsp;&nbsp;Income before income taxes | 24 | 2251725 | 551782 | 1699943 |
| &nbsp;&nbsp;&nbsp;Income taxes - current | 25 | (663449) | (86141) | (577307) |
| &nbsp;&nbsp;&nbsp;Income taxes - deferred | 26 | (3461) | (67703) | 64242 |
| &nbsp;&nbsp;&nbsp;Profit | 27 | 1584815 | 397937 | 1186877 |
| &nbsp;&nbsp;&nbsp;Profit attributable to non-controlling interests | 28 | (1841) | 7040 | (8881) |
| &nbsp;&nbsp;&nbsp;Profit attributable to owners of parent | 29 | 1582973 | 404977 | 1177996 |
| 1. Amounts less than 1 million yen are rounded down. Figures in parentheses indicate losses or decreases. | 1. Amounts less than 1 million yen are rounded down. Figures in parentheses indicate losses or decreases. | 1. Amounts less than 1 million yen are rounded down. Figures in parentheses indicate losses or decreases. | 1. Amounts less than 1 million yen are rounded down. Figures in parentheses indicate losses or decreases. | 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)<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; + (Trading income - Trading losses) + (Other operating income - Other operating expenses) | 2. Consolidated gross profit = (Interest income - Interest expenses) + Trust fees + (Fees and commissions - Fees and commissions payments)<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; + (Trading income - Trading losses) + (Other operating income - Other operating expenses) | 2. Consolidated gross profit = (Interest income - Interest expenses) + Trust fees + (Fees and commissions - Fees and commissions payments)<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; + (Trading income - Trading losses) + (Other operating income - Other operating expenses) | 2. Consolidated gross profit = (Interest income - Interest expenses) + Trust fees + (Fees and commissions - Fees and commissions payments)<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; + (Trading income - Trading losses) + (Other operating income - Other operating expenses) | 2. Consolidated gross profit = (Interest income - Interest expenses) + Trust fees + (Fees and commissions - Fees and commissions payments)<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; + (Trading income - Trading losses) + (Other operating income - Other operating expenses) |
| Number of consolidated subsidiaries and affiliates |  |  |  |  |
|  |  | **Mar. 31, 2026** |  | Mar. 31, 2025 |
|  |  | **Mar. 31, 2026** | <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Change <br>| Mar. 31, 2025 |
| Consolidated subsidiaries | 30 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;184 | 12 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;172 |
| Equity method affiliates | 31 | 252 | 8 | 244 |

---

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| SMBC non-consolidated |  |  |  | (Millions of yen) |
|  |  | **FY3/2026** |  | FY3/2025 |
|  |  | **FY3/2026** | <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Change <br>| FY3/2025 |
| &nbsp;&nbsp;&nbsp;Gross banking profit | 1 | 2677893 | 421334 | 2256559 |
| Gross domestic profit | 2 | 1404858 | 340043 | 1064815 |
| Net interest income | 3 | 1148025 | 300159 | 847865 |
| Trust fees | 4 | 4066 | 628 | 3437 |
| Net fees and commissions | 5 | 298526 | 46700 | 251826 |
| Net trading income | 6 | (8619) | (12698) | 4078 |
| Net other operating income | 7 | (37140) | 5253 | (42393) |
| *Gains (losses) on bonds* | 8 | *(36602)* | *9468* | *(46070)* |
| Gross international profit | 9 | 1273035 | 81290 | 1191744 |
| Net interest income | 10 | 798286 | (5137) | 803424 |
| Net fees and commissions | 11 | 321439 | 27444 | 293995 |
| Net trading income | 12 | (5682) | (173798) | 168116 |
| Net other operating income | 13 | 158991 | 232783 | (73791) |
| *Gains (losses) on bonds* | 14 | *(59899)* | *(50775)* | *(9123)* |
| &nbsp;&nbsp;&nbsp;Expenses (excluding non-recurring losses) | 15 | (1186038) | (113865) | (1072173) |
| &nbsp;&nbsp;&nbsp; *Overhead ratio* | 16 | *44.3%* | *(3.2%)* | *47.5%* |
| Personnel expenses | 17 | (470926) | (19463) | (451463) |
| Non-personnel expenses | 18 | (645500) | (91662) | (553838) |
| Taxes | 19 | (69611) | (2739) | (66872) |
| &nbsp;&nbsp;&nbsp;Banking profit (before provision for general reserve for possible loan losses) | 20 | 1491855 | 307468 | 1184386 |
| &nbsp;&nbsp;&nbsp; *Gains (losses) on bonds* | 21 | *(96501)* | *(41307)* | *(55194)* |
| Core Banking Profit (20-21) | 22 | 1588356 | 348776 | 1239580 |
| excluding gains (losses) on cancellation of investment trusts | 23 | 1522921 | 367337 | 1155583 |
| &nbsp;&nbsp;&nbsp;Provision for general reserve for possible loan losses | 24 | 27408 | 130908 | (103499) |
| &nbsp;&nbsp;&nbsp;Banking profit | 25 | 1519263 | 438376 | 1080886 |
| &nbsp;&nbsp;&nbsp;Non-recurring gains (losses) | 26 | 379207 | (27968) | 407176 |
| Credit costs | 27 | (126544) | (79265) | (47278) |
| Gains on reversal of reserve for possible loan losses | 28 | - | - | - |
| Recoveries of written-off claims | 29 | 13113 | 13112 | 0 |
| Gains (losses) on stocks | 30 | 426663 | (59429) | 486093 |
| Other non-recurring gains (losses) | 31 | 65974 | 97614 | (31639) |
| &nbsp;&nbsp;&nbsp;Ordinary profit | 32 | 1898470 | 410408 | 1488062 |
| &nbsp;&nbsp;&nbsp;Extraordinary gains (losses) | 33 | (255) | 9223 | (9479) |
| Gains (losses) on disposal of fixed assets | 34 | 2474 | 10082 | (7607) |
| Losses on impairment of fixed assets | 35 | (2730) | (858) | (1871) |
| &nbsp;&nbsp;&nbsp;Income before income taxes | 36 | 1898215 | 419632 | 1478583 |
| &nbsp;&nbsp;&nbsp;Income taxes - current | 37 | (518582) | (77874) | (440708) |
| &nbsp;&nbsp;&nbsp;Income taxes - deferred | 38 | 32050 | 1358 | 30691 |
| &nbsp;&nbsp;&nbsp;Net income | 39 | 1411682 | 343116 | 1068566 |
| &nbsp;&nbsp;&nbsp;Total credit cost (24+27+28+29) | 40 | (86023) | 64755 | (150778) |
| Provision for general reserve for possible loan losses | 41 | 27408 | 130908 | (103499) |
| Write-off of loans | 42 | (86) | 10719 | (10806) |
| Provision for specific reserve for possible loan losses | 43 | (114323) | (99382) | (14940) |
| Losses on sales of delinquent loans | 44 | (22483) | (6445) | (16037) |
| Provision for loan loss reserve for specific overseas countries | 45 | 10348 | 15843 | (5494) |
| Recoveries of written-off claims | 46 | 13113 | 13112 | 0 |

---

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

------

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

2. Interest spread (domestic)

---

| | | | | |
|:---|:---|:---|:---|:---|
| SMBC non-consolidated |  |  |  | (%) |
|  | **FY3/2026** |  |  | <br> FY3/2025 |
|  | **FY3/2026** | Six months<br>ended<br>Sep. 30, 2025 | Six months <br> ended <br> Mar. 31, 2026  | <br> FY3/2025 |
| &nbsp;&nbsp;&nbsp;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 |
| &nbsp;&nbsp;&nbsp;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 |
| &nbsp;&nbsp;&nbsp;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. | 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. |  |
| 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 | SMBC non-consolidated | SMBC non-consolidated |  | (Millions of yen) |
|  |  | <br> **FY3/2026** |  | FY3/2025 |
|  |  | <br> **FY3/2026** | Change | FY3/2025 |
| &nbsp;&nbsp;&nbsp;Gains (losses) on bonds | &nbsp;&nbsp;&nbsp;Gains (losses) on bonds | (96501) | (41307) | (55194) |
| Gains on sales | Gains on sales | 51962 | (4152) | 56115 |
| Losses on sales | Losses on sales | (141702) | (35755) | (105946) |
| Gains on redemption |  | 0 | 0 | 0 |
| Losses on redemption |  | (6704) | (1340) | (5363) |
| Losses on devaluation |  | (58) | (58) | - |
| &nbsp;&nbsp;&nbsp;Gains (losses) on stocks |  | 426663 | (59429) | 486093 |
| Gains on sales |  | 470892 | (62545) | 533438 |
| Losses on sales |  | (9662) | 7683 | (17345) |
| Losses on devaluation |  | (34566) | (4568) | (29998) |

---

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

4. Unrealized gains (losses) on securities

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Consolidated |  |  |  |  |  |  |  | (Millions of yen) |
|  |  | **Mar. 31, 2026** | **Mar. 31, 2026** | **Mar. 31, 2026** | **Mar. 31, 2026** | **Mar. 31, 2026** | Mar. 31, 2025 | Mar. 31, 2025 |
|  |  | Balance sheet amount | Net unrealized gains (losses) | Net unrealized gains (losses) | Net unrealized gains (losses) | Net unrealized gains (losses) | Balance sheet amount | Net unrealized gains (losses)<br>(b) |
|  |  | Balance sheet amount |  |  |  |  | Balance sheet amount | Net unrealized gains (losses)<br>(b) |
|  |  | Balance sheet amount | (a) | (a) - (b) | Gains | Losses | Balance sheet amount | Net unrealized gains (losses)<br>(b) |
| Held-to-maturity securities | 1 | 4655314 | (178649) | (172475) | 7 | 178657 | 274414 | (6174) |
| Other securities | 2 | 34802305 | 3220233 | 414210 | 3933829 | 713596 | 39776760 | 2806023 |
| Stocks | 3 | 3503280 | 2497195 | 536268 | 2498675 | 1480 | 3045167 | 1960926 |
| Bonds | 4 | 7556702 | (271242) | (126405) | 6858 | 278101 | 13893477 | (144837) |
| Japanese government bonds | 5 | 5476427 | (120444) | (68049) | 64 | 120509 | 11180546 | (52395) |
| Others | 6 | 23742321 | 994280 | 4347 | 1428295 | 434014 | 22838114 | 989933 |
| Foreign bonds | 7 | 18534788 | (300425) | 148672 | 79365 | 379791 | 17424744 | (449098) |
| Other money held in trust | 8 | 521 | - | - | - | - | 520 | - |
| Total | 9 | 39458141 | 3041584 | 241734 | 3933837 | 892253 | 40051695 | 2799849 |
| Stocks | 10 | 3503280 | 2497195 | 536268 | 2498675 | 1480 | 3045167 | 1960926 |
| Bonds | 11 | 12142145 | (449828) | (298816) | 6858 | 456686 | 14167892 | (151011) |
| Others | 12 | 23812715 | 994216 | 4283 | 1428303 | 434086 | 22838635 | 989933 |
| SMBC non-consolidated |  |  |  |  |  |  |  | (Millions of yen) |
|  |  | **Mar. 31, 2026** | **Mar. 31, 2026** | **Mar. 31, 2026** | **Mar. 31, 2026** | **Mar. 31, 2026** | Mar. 31, 2025 | Mar. 31, 2025 |
|  |  | Balance sheet amount | Net unrealized gains (losses) | Net unrealized gains (losses) | Net unrealized gains (losses) | Net unrealized gains (losses) | Balance sheet amount | Net unrealized gains (losses)<br>(b) |
|  |  | Balance sheet amount |  |  |  |  | Balance sheet amount | Net unrealized gains (losses)<br>(b) |
|  |  | Balance sheet amount | (a) | (a) - (b) | Gains | Losses | Balance sheet amount | Net unrealized gains (losses)<br>(b) |
| Held-to-maturity securities | 13 | 4087646 | (169416) | (168258) | - | 169416 | 22300 | (1158) |
| Stocks of subsidiaries and affiliates | 14 | 5310009 | (80761) | (10703) | 2087 | 82848 | 5009805 | (70058) |
| Other securities | 15 | 27451228 | 2213599 | 439161 | 2902742 | 689142 | 33564599 | 1774438 |
| Stocks | 16 | 3082836 | 2309338 | 492168 | 2313069 | 3731 | 2693563 | 1817170 |
| Bonds | 17 | 7325242 | (259746) | (118852) | 6872 | 266618 | 13835139 | (140894) |
| Japanese government bonds | 18 | 5296373 | (114947) | (62552) | 64 | 115011 | 11180546 | (52395) |
| Others | 19 | 17043150 | 164007 | 65845 | 582800 | 418792 | 17035896 | 98162 |
| Foreign bonds | 20 | 12889894 | (315112) | 143798 | 49851 | 364963 | 12711011 | (458910) |
| Total | 21 | 36848884 | 1963420 | 260199 | 2904829 | 941408 | 38596705 | 1703221 |
| Stocks | 22 | 3382790 | 2311425 | 492554 | 2315156 | 3731 | 2987917 | 1818870 |
| Bonds | 23 | 11412888 | (429163) | (287110) | 6872 | 436035 | 13857439 | (142052) |
| Others | 24 | 22053205 | 81158 | 54755 | 582800 | 501641 | 21751347 | 26402 |

---

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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) represent 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. Balance of securities, classified by maturity

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

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| SMBC non-consolidated | SMBC non-consolidated |  |  |  |  |  |  | (Billions of yen)  | (Billions of yen)  | (Billions of yen)  |
|  | **Mar. 31, 2026** | **Mar. 31, 2026** | **Mar. 31, 2026** | **Mar. 31, 2026** | **Mar. 31, 2026** | Mar. 31, 2025 | Mar. 31, 2025 | Mar. 31, 2025 | Mar. 31, 2025 | Mar. 31, 2025 |
|  | 1 year<br>or less | More than<br>1 year to<br>5 years | More than<br>5 years to<br>10 years | More than<br>10 years | Total | 1 year<br>or less | More than<br>1 year to<br>5 years | More than<br>5 years to<br>10 years | More than<br>10 years | Total |
| &nbsp;&nbsp;&nbsp;Bonds | 3182.4 | 2366.8 | 4909.5 | 954.2 | 11412.9 | 10374.0 | 2320.2 | 692.5 | 470.7 | 13857.4 |
| Japanese government <br>bonds | 2834.4 | 1337.9 | 4511.3 | 678.2 | 9361.7 | 9663.6 | 1352.8 | 39.6 | 124.5 | 11180.5 |
| 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 | 1322.1 | 534.4 | 699.4 | 235.8 | 342.2 | 1811.8 |
| &nbsp;&nbsp;&nbsp;Others | 3795.9 | 4450.7 | 1840.5 | 4011.9 | 14098.9 | 2665.0 | 4342.5 | 2314.9 | 4766.7 | 14089.0 |
| &nbsp;&nbsp;&nbsp;Total | 6978.3 | 6817.5 | 6750.0 | 4966.1 | 25511.8 | 13039.0 | 6662.6 | 3007.4 | 5237.4 | 27946.4 |

---

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

SMBC non-consolidated &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Billions of yen)

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Mar. 31, 2026** | **Mar. 31, 2026** | **Mar. 31, 2026** | **Mar. 31, 2026** | Mar. 31, 2025 | Mar. 31, 2025 | Mar. 31, 2025 | Mar. 31, 2025 |
|  | 1 year<br>or less | More than<br>1 year to<br> 5 years | More than<br>5 years | Total | 1 year<br>or less | More than<br>1 year to<br>5 years | More than<br>5 years | Total |
| Receivable fixed rate<br>/ payable floating rate | 10625.4 | 26942.6 | 13419.1 | 50987.0 | 6123.9 | 28228.2 | 11046.2 | 45398.3 |
| Receivable floating rate <br>/ payable fixed rate | 1954.7 | 15219.0 | 9725.6 | 26899.4 | 1101.7 | 9181.4 | 13470.7 | 23753.7 |
| Receivable floating rate <br>/ payable floating rate | - | - | - | - | 425.0 | - | - | 425.0 |
| &nbsp;&nbsp;&nbsp; Total | 12580.1 | 42161.6 | 23144.7 | 77886.4 | 7650.6 | 37409.6 | 24516.9 | 69577.0 |

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

7. Employee retirement benefits

Consolidated

(1) Projected benefit obligation

---

| | | | | |
|:---|:---|:---|:---|:---|
| | | | | (Millions of yen) |
|  |  | **Mar. 31, 2026** | | Mar. 31, 2025 |
|  |  | **Mar. 31, 2026** | <br>Change<br>| Mar. 31, 2025 |
| &nbsp;&nbsp;&nbsp;Fair value of plan assets | (A) | 2035284 | 229682 | 1805602 |
| &nbsp;&nbsp;&nbsp;Projected benefit obligation | (B) | 770060 | (82145) | 852205 |
| &nbsp;&nbsp;&nbsp;Net surplus (deficit) | (A-B) | 1265223 | 311826 | 953397 |
| Net defined benefit asset |  | 1299540 | 312252 | 987288 |
| Net defined benefit liability |  | 34317 | 427 | 33890 |
| &nbsp;&nbsp;&nbsp;Measurements of defined benefit plans (before tax effect deduction) | &nbsp;&nbsp;&nbsp;Measurements of defined benefit plans (before tax effect deduction) | (593551) | (189244) | (404307) |
| Unrecognized prior service cost (deductible from the obligation) | Unrecognized prior service cost (deductible from the obligation) | (7019) | 2389 | (9408) |
| Unrecognized net actuarial gain (loss) | Unrecognized net actuarial gain (loss) | (586532) | (191634) | (394898) |
| <br> (2) Retirement benefit expenses | <br> (2) Retirement benefit expenses | <br> (2) Retirement benefit expenses | <br> (2) Retirement benefit expenses | <br> (2) Retirement benefit expenses |
|  |  |  |  | (Millions of yen) |
|  |  | **FY3/2026** |  | FY3/2025 |
|  |  | **FY3/2026** | Change<br>| FY3/2025 |
| &nbsp;&nbsp;&nbsp;Retirement benefit expenses |  | (66546) | (40177) | (26369) |
| <br> SMBC non-consolidated | <br> SMBC non-consolidated | <br> SMBC non-consolidated | <br> SMBC non-consolidated | <br> SMBC non-consolidated |
| (1) Projected benefit obligation | (1) Projected benefit obligation | (1) Projected benefit obligation | (1) Projected benefit obligation | (1) Projected benefit obligation |
|  |  |  |  | (Millions of yen) |
|  |  | **Mar. 31, 2026** |  | Mar. 31, 2025 |
|  |  | **Mar. 31, 2026** | <br> Change<br>| Mar. 31, 2025 |
| &nbsp;&nbsp;&nbsp;Projected benefit obligation | (A) | 629787 | (79862) | 709650 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<*Discount rate*> |  | *<2.90%>* | *<0.95%>* | *<1.95%>* |
| Fair value of plan assets | (B) | 1895367 | 221151 | 1674216 |
| Reserve for employee retirement benefits | (C) | - | - | - |
| Prepaid pension cost | (D) | 679458 | 120558 | 558899 |
| Unrecognized prior service cost (deductible from the obligation) | (E) | (8395) | 2651 | (11047) |
| Unrecognized net actuarial gain (loss) | (A-B-C+D-E) | (577726) | (183106) | (394619) |
| <br> (2) Retirement benefit expenses | <br> (2) Retirement benefit expenses | <br> (2) Retirement benefit expenses | <br> (2) Retirement benefit expenses | <br> (2) Retirement benefit expenses |
|  |  |  |  | (Millions of yen) |
|  |  | **FY3/2026** |  | FY3/2025 |
|  |  | **FY3/2026** | <br> Change<br>| FY3/2025 |
| &nbsp;&nbsp;&nbsp;Retirement benefit expenses |  | (91087) | (40218) | (50869) |
| Service cost |  | 14195 | (2557) | 16753 |
| Interest cost on projected benefit obligation |  | 13838 | 3843 | 9994 |
| Expected returns on plan assets |  | (66248) | (20544) | (45704) |
| Amortization of unrecognized prior service cost |  | (2651) | - | (2651) |
| Amortization of unrecognized net actuarial gain (loss) |  | (60014) | (22274) | (37739) |
| Others |  | 9793 | 1314 | 8478 |

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

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

![LOGO](g137829g00k11.jpg)

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| | |
|:---|:---|
| \*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.<br> (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. |

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

9. Reserve for possible loan losses and reserve ratio

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Consolidated |  |  |  |  | (Millions of yen, %) |
|  | **Mar. 31, 2026** | **Mar. 31, 2026** |  | Mar. 31, 2025 | Mar. 31, 2025 |
|  | **Mar. 31, 2026** | **Mar. 31, 2026** |  | Mar. 31, 2025 | Mar. 31, 2025 |
|  | (a) | Reserve Ratio<br> (b) | (a) - (c) | (c) | Reserve Ratio<br>(d) |
| &nbsp;&nbsp;&nbsp; Reserve for possible loan losses | 1007469 | 74.67 | 81537 | 925931 | 105.02 |
| General reserve | 666501 |  | (61214) | 727715 |  |
| Specific reserve | 329379 |  | 153098 | 176280 |  |
| Loan loss reserve for specific overseas countries | 11588 |  | (10346) | 21935 |  |
| Amount of direct reduction | 264091 |  | 21120 | 242971 |  |
| SMBC non-consolidated |  |  |  |  | (Millions of yen, %) |
|  | **Mar. 31, 2026** | **Mar. 31, 2026** |  | Mar. 31, 2025 | Mar. 31, 2025 |
|  | **Mar. 31, 2026** | **Mar. 31, 2026** |  | Mar. 31, 2025 | Mar. 31, 2025 |
|  | (a) | Reserve Ratio<br>(b) | (a) - (c) | (c) | Reserve Ratio<br>(d) |
| &nbsp;&nbsp;&nbsp;Reserve for possible loan losses | 693865 | 75.47 | 68326 | 625538 | 116.60 |
| General reserve | 472897 |  | (27408) | 500305 |  |
| Specific reserve | 209403 |  | 106083 | 103319 |  |
| Loan loss reserve for specific overseas countries | 11563 |  | (10348) | 21912 |  |
| Amount of direct reduction | 186560 |  | (11203) | 197764 |  |

---

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.

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##### [**Table of Contents**](#toc)
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 | 90585 | 15350 | 75234 |
| Doubtful loans | 778253 | 323486 | 454767 |
| Substandard loans | 480468 | 128774 | 351693 |
| Past due loans (3 months or more) | 70612 | 9768 | 60843 |
| Restructured loans | 409855 | 119005 | 290850 |
| &nbsp;&nbsp;&nbsp;Total (A) | 1349307 | 467610 | 881696 |
| Normal assets | 137161712 | 7080907 | 130080805 |
| Grand total (B) | 138511020 | 7548518 | 130962501 |
| &nbsp;&nbsp;&nbsp;NPL ratio (A/B) | 0.97 | 0.30 | 0.67 |
|  |  |  | (Millions of yen) |
|  | **Mar. 31, 2026** |  | Mar. 31, 2025 |
|  | **(a)** | (a) - (b) | (b) |
| &nbsp;&nbsp;&nbsp; Total coverage (C) | 937541 | 400415 | 537125 |
| Reserve for possible loan losses (D) | 405796 | 204030 | 201766 |
| Amount recoverable by guarantees, collateral and others (E) | 531744 | 196385 | 335359 |
|  |  |  | (%) |
| &nbsp;&nbsp;&nbsp;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 |
|  |  |  | (%) |
| &nbsp;&nbsp;&nbsp;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 | 66855 | 11061 | 55794 |
| Doubtful loans | 572603 | 249142 | 323461 |
| Substandard loans | 279890 | 122657 | 157232 |
| Past due loans (3 months or more) | 24376 | 2710 | 21665 |
| Restructured loans | 255513 | 119947 | 135566 |
| &nbsp;&nbsp;&nbsp;Total (A) | 919349 | 382861 | 536487 |
| Normal assets | 129426021 | 6555561 | 122870459 |
| Grand total (B) | 130345370 | 6938422 | 123406947 |
| &nbsp;&nbsp;&nbsp; NPL ratio (A/B) | 0.71 | 0.28 | 0.43 |
|  |  |  | (Millions of yen) |
|  | **Mar. 31, 2026** |  | Mar. 31, 2025 |
|  | **(a)** | (a) - (b) | (b) |
| &nbsp;&nbsp;&nbsp;Total coverage (C) | 795868 | 357700 | 438168 |
| Reserve for possible loan losses (D) | 304971 | 154931 | 150039 |
| Amount recoverable by guarantees, collateral and others (E) | 490897 | 202767 | 288129 |
|  |  |  | (%) |
| &nbsp;&nbsp;&nbsp;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 |
|  |  |  | (%) |
| &nbsp;&nbsp;&nbsp;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 |

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

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

11. Results of off-balancing of NPLs

SMBC non-consolidated

(Billions of yen)

---

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

---

---

| | | |
|:---|:---|:---|
| \*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. | 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. | 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. |

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##### [**Table of Contents**](#toc)
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** <br>(a)<br>| <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Ratio <br>| <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) - (b) <br>| Mar. 31, 2025<br>(b)<br>| <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Ratio <br>|
| &nbsp;&nbsp;&nbsp; Domestic offices<br>(excluding offshore banking accounts in Japan) | 71609264 | 100.0 | 4164162 | 67445102 | 100.0 |
| Manufacturing | 11053878 | 15.4 | 584846 | 10469032 | 15.5 |
| Agriculture, forestry, fisheries and mining | 310566 | 0.4 | 59957 | 250608 | 0.4 |
| Construction | 1094715 | 1.5 | 129066 | 965649 | 1.4 |
| Transportation, communications and public enterprises | 6785696 | 9.5 | 396243 | 6389453 | 9.5 |
| Wholesale and retail | 6167057 | 8.6 | 918604 | 5248452 | 7.8 |
| Finance and insurance | 10437566 | 14.6 | 1304083 | 9133482 | 13.5 |
| Real estate | 13433792 | 18.8 | 1186669 | 12247123 | 18.2 |
| Goods rental and leasing | 2833183 | 4.0 | 211443 | 2621740 | 3.9 |
| Various services | 5112763 | 7.1 | 255290 | 4857473 | 7.2 |
| Municipalities | 924392 | 1.3 | 429680 | 494711 | 0.7 |
| Others | 13455650 | 18.8 | (1311723) | 14767373 | 21.9 |
| &nbsp;&nbsp;&nbsp; Overseas offices and offshore banking accounts in Japan | 39139408 | 100.0 | 2068918 | 37070490 | 100.0 |
| Public sector | 830200 | 2.1 | 249411 | 580789 | 1.6 |
| Financial institutions | 2981735 | 7.6 | (80928) | 3062663 | 8.2 |
| Commerce and industry | 33715998 | 86.2 | 2215490 | 31500507 | 85.0 |
| Others | 1611474 | 4.1 | (315054) | 1926528 | 5.2 |
| &nbsp;&nbsp;&nbsp; Total | 110748673 | - | 6233081 | 104515592 | - |

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##### [**Table of Contents**](#toc)
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**<br>(a) | <br>Reserve <br>ratio | <br>(a) - (b) | Mar. 31, 2025<br>(b) |
| &nbsp;&nbsp;&nbsp;Domestic offices | &nbsp;&nbsp;&nbsp;&nbsp;327841 | 66.1 | 62133 | 265708 |
| &nbsp;&nbsp;&nbsp; (excluding offshore banking accounts in Japan) | &nbsp;&nbsp;&nbsp;&nbsp;327841 | 66.1 | 62133 | 265708 |
| Manufacturing | 139237 | 70.6 | 51174 | 88062 |
| Agriculture, forestry, fisheries and mining | 161 | 68.9 | (385) | 547 |
| Construction | 6351 | 50.9 | 825 | 5526 |
| Transportation, communications and public enterprises | 15101 | 50.1 | (2488) | 17590 |
| Wholesale and retail | 68594 | 53.4 | 23729 | 44865 |
| Finance and insurance | 8135 | 50.6 | 2582 | 5553 |
| Real estate | 16417 | 63.0 | (1292) | 17709 |
| Goods rental and leasing | 363 | 49.4 | 75 | 287 |
| Various services | 51200 | 54.3 | (7225) | 58426 |
| Municipalities |  |  |  |  |
| Others | 22277 | 100.0 | (4862) | 27140 |
| &nbsp;&nbsp;&nbsp;Overseas offices and offshore banking accounts in Japan | 591507 | 74.2 | 320728 | 270779 |
| Public sector |  |  |  |  |
| Financial institutions |  |  |  |  |
| Commerce and industry | 586412 | 69.7 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;320418 | 265994 |
| Others | 5095 | 95.8 | 309 | 4785 |
| &nbsp;&nbsp;&nbsp;Total | 919349 | 71.2 | 382861 | 536487 |

---

---

| | |
|:---|:---|
| 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) |
|  | <br> **Mar. 31, 2026**<br>(a)<br>| <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) - (b)  | <br> Mar. 31, 2025<br>(b)<br>|
| &nbsp;&nbsp;&nbsp; Consumer loans | 11870497 <br>| (214828) <br>| 12085325 <br>|
| Housing loans | 11039307 | (254522) | 11293829 |
| Self-residential purpose<br>| 9302684 | (188666) | 9491350 |
| Other consumer loans | 831190 | 39695 | 791495 |
| <br> (4) Loans to small- and medium-sized enterprises, etc. | <br> (4) Loans to small- and medium-sized enterprises, etc. | <br> (4) Loans to small- and medium-sized enterprises, etc. | <br> (4) Loans to small- and medium-sized enterprises, etc. |
|  |  |  | (Millions of yen, %) |
|  | <br> **Mar. 31, 2026** |  | <br> Mar. 31, 2025 |
|  | (a)<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) - (b) | (b) |
| &nbsp;&nbsp;&nbsp; Outstanding balance | 42698875 | 2624644 | 40074231 |
| &nbsp;&nbsp;&nbsp; Ratio to total loans | 59.6 | 0.2 | 59.4 |

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Note: Outstanding balance includes loans to individuals.

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##### [**Table of Contents**](#toc)
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** <br>(a)<br>| <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ratio <br>| <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) - (b) <br>| Mar. 31, 2025<br>(b)<br>| <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ratio <br>|
| &nbsp;&nbsp;&nbsp;Asia | 7436371 | 19.9 | (29415) | 7465786 | 20.7 |
| Indonesia | 162497 | 0.4 | (50157) | 212654 | 0.6 |
| Thailand | 1010978 | 2.7 | (125913) | 1136891 | 3.1 |
| Korea | 487600 | 1.3 | 55443 | 432157 | 1.2 |
| Hong Kong | 893206 | 2.4 | (223284) | 1116490 | 3.1 |
| China | 54936 | 0.1 | (23584) | 78520 | 0.2 |
| Taiwan | 355852 | 1.0 | 2667 | 353185 | 1.0 |
| Singapore | 2196884 | 5.9 | 67982 | 2128902 | 5.9 |
| India | 1397706 | 3.7 | 188488 | 1209218 | 3.4 |
| Others | 876708 | 2.4 | 78939 | 797769 | 2.2 |
| &nbsp;&nbsp;&nbsp;Oceania | 3211564 | 8.6 | 215810 | 2995754 | 8.4 |
| Australia | 3081999 | 8.3 | 177155 | 2904844 | 8.1 |
| Others | 129564 | 0.3 | 38654 | 90910 | 0.3 |
| &nbsp;&nbsp;&nbsp;North America | 15628956 | 41.9 | 931918 | 14697038 | 41.1 |
| United States | 12632308 | 33.9 | 1228215 | 11404093 | 31.9 |
| Others | 2996647 | 8.0 | (296298) | 3292945 | 9.2 |
| &nbsp;&nbsp;&nbsp;Central and South America | 2234309 | 6.0 | (96739) | 2331048 | 6.5 |
| Brazil | 345412 | 1.0 | (62941) | 408353 | 1.1 |
| Panama | 567408 | 1.5 | 137322 | 430086 | 1.2 |
| Others | 1321488 | 3.5 | (171121) | 1492609 | 4.2 |
| &nbsp;&nbsp;&nbsp;Western Europe | 5587003 | 15.0 | 477065 | 5109938 | 14.3 |
| United Kingdom | 1007000 | 2.7 | (101313) | 1108313 | 3.1 |
| Ireland | 746430 | 2.0 | 194247 | 552183 | 1.5 |
| Netherlands | 673475 | 1.8 | (38422) | 711897 | 2.0 |
| Others | 3160096 | 8.5 | 422551 | 2737545 | 7.7 |
| &nbsp;&nbsp;&nbsp;Eastern Europe | 216836 | 0.6 | 16031 | 200805 | 0.6 |
| Russia | 102465 | 0.3 | (54724) | 157189 | 0.5 |
| Others | 114371 | 0.3 | 70755 | 43616 | 0.1 |
| &nbsp;&nbsp;&nbsp;Others | 2970396 | 8.0 | (26466) | 2996862 | 8.4 |
| &nbsp;&nbsp;&nbsp;Total | 37285436 | 100.0 | 1488205 | 35797231 | 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** <br>(a) | <br>Reserve <br>Ratio | <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) - (b) | Mar. 31, 2025<br>(b) |
| &nbsp;&nbsp;&nbsp; Overseas Offices and<br> offshore banking accounts in Japan | 591507 | 74.2 | 320728 | 270779 |
| Asia | 142461 | 52.3 | 52967 | 89493 |
| Oceania | 9546 | 23.1 | 850 | 8695 |
| North America | 130621 | 76.6 | 89078 | 41543 |
| Central and South America | 191567 | 67.7 | 165026 | 26540 |
| Western Europe | 86231 | 100.0 | 7943 | 78287 |
| Eastern Europe | 20262 | 32.6 | 1809 | 18453 |
| Others | 10817 | 92.1 | 3051 | 7766 |

---

---

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

---

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##### [**Table of Contents**](#toc)
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** <br>**(a)** | <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) - (b) | FY3/2025<br>(b) |
| &nbsp;&nbsp;&nbsp; Deposits | 162285938 | 4844856 | 157441082 |
| Domestic units | 125274197 | 1180979 | 124093217 |
| &nbsp;&nbsp;&nbsp; Loans | 107335176 | 4466452 | 102868724 |
| Domestic units | 65334052 | 4150172 | 61183879 |
| <br> Note: Deposits do not include negotiable certificates of deposit.<br>(2) Balance of deposits and loans, classified by type of depositor | <br> Note: Deposits do not include negotiable certificates of deposit.<br>(2) Balance of deposits and loans, classified by type of depositor | <br> Note: Deposits do not include negotiable certificates of deposit.<br>(2) Balance of deposits and loans, classified by type of depositor | <br> Note: Deposits do not include negotiable certificates of deposit.<br>(2) Balance of deposits and loans, classified by type of depositor |
|  |  |  | (Millions of yen) |
|  | **Mar. 31, 2026** |  | Mar. 31, 2025 |
|  | **(a)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) - (b) | (b) |
| &nbsp;&nbsp;&nbsp; Deposits | 171335915 | 11604244 | 159731671 |
| Domestic deposits<br>(excluding offshore banking accounts in Japan) | 135886919 | 5062602 | 130824317 |
| Individuals<br>| 62706013 | 1486887 | 61219126 |
| Corporates<br>| 73180906 | 3575715 | 69605191 |
| &nbsp;&nbsp;&nbsp; Loans | 110748673 | 6233081 | 104515592 |
| Domestic offices<br>(excluding offshore banking accounts in Japan) | 71609264 | 4164162 | 67445102 |
| Overseas offices and offshore banking accounts in Japan | 39139408 | 2068918 | 37070490 |
| <br> Note: Deposits do not include negotiable certificates of deposit.<br>Reference: | <br> Note: Deposits do not include negotiable certificates of deposit.<br>Reference: | <br> Note: Deposits do not include negotiable certificates of deposit.<br>Reference: | <br> Note: Deposits do not include negotiable certificates of deposit.<br>Reference: |
|  |  |  | (Billions of yen) |
|  | **Mar. 31, 2026** |  | Mar. 31, 2025 |
|  | **(a)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) - (b) | (b) |
| &nbsp;&nbsp;&nbsp; Balance of investment trusts | 5445.0 | 821.3 | 4623.7 |
| Balance to individuals | 4208.9 | 554.2 | 3654.7 |
| <br> 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. | <br> 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. | <br> 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. | <br> 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)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) - (b) | (b) |
| &nbsp;&nbsp;&nbsp; Sales of investment trusts to individuals | 867.8 | 112.6 | 755.2 |
| &nbsp;&nbsp;&nbsp;Sales of pension-type insurance to individuals | 65.2 | 2.6 | 62.6 |

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

15. Deferred tax assets and liabilities

---

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

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> 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.<br>

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 |
| &nbsp;&nbsp;&nbsp; Income of final tax return<br> before deducting operating loss carryforwards | 1104.6 | 1468.1 | 1811.2 |
| Note: The figure for FY3/2026 was estimated at fiscal year closing. | Note: The figure for FY3/2026 was estimated at fiscal year closing. | Note: The figure for FY3/2026 was estimated at fiscal year closing. | Note: The figure for FY3/2026 was estimated at fiscal year closing. |

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

16. Capital ratio (BIS guidelines)

&nbsp;&nbsp;&nbsp;&nbsp;(Basel III basis)

---

| | |
|:---|:---|
| Consolidated | (Billions of yen, %) |

---

---

| | | | |
|:---|:---|:---|:---|
|  | | | Mar. 31, 2025 <br> (b) |
|  | **Mar. 31, 2026<br>[Preliminary]**<br>(a) | <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) - (b) | Mar. 31, 2025 <br> (b) |
| &nbsp;&nbsp;&nbsp;(1) Total capital ratio (4) / (7) | 15.69 | 0.51 | 15.18 |
| &nbsp;&nbsp;&nbsp;(2) Tier 1 capital ratio (5) / (7) | 14.49 | 0.26 | 14.23 |
| &nbsp;&nbsp;&nbsp;(3) Common equity Tier 1 capital ratio (6) / (7) | 12.41 | (0.03) | 12.44 |
| &nbsp;&nbsp;&nbsp;(4) Total capital | 15865.9 | 1721.8 | 14144.1 |
| &nbsp;&nbsp;&nbsp;(5) Tier 1 capital | 14655.9 | 1397.0 | 13258.8 |
| &nbsp;&nbsp;&nbsp;(6) Common equity Tier 1 capital | 12544.0 | 958.9 | 11585.1 |
| &nbsp;&nbsp;&nbsp;(7) Risk weighted assets | 101078.2 | 7961.1 | 93117.1 |
| &nbsp;&nbsp;&nbsp;(8) Required capital (7) X 8% | 8086.3 | 636.9 | 7449.4 |
| &nbsp;&nbsp;&nbsp;(9) Leverage Ratio | 5.00 | (0.01) | 5.01 |
| SMBC consolidated |  |  |  |
| &nbsp;&nbsp;&nbsp;(1) Total capital ratio | 17.34 | 0.56 | 16.78 |
| &nbsp;&nbsp;&nbsp;(2) Tier 1 capital ratio | 15.42 | 0.10 | 15.32 |
| &nbsp;&nbsp;&nbsp;(3) Common equity Tier 1 capital ratio | 12.32 | (0.18) | 12.50 |
| &nbsp;&nbsp;&nbsp;(4) Leverage Ratio | 4.96 | (0.14) | 5.10 |
| SMBC non-consolidated |  |  |  |
| &nbsp;&nbsp;&nbsp;(1) Total capital ratio | 15.83 | 1.11 | 14.72 |
| &nbsp;&nbsp;&nbsp;(2) Tier 1 capital ratio | 13.62 | 0.59 | 13.03 |
| &nbsp;&nbsp;&nbsp;(3) Common equity Tier 1 capital ratio | 10.22 | 0.21 | 10.01 |
| &nbsp;&nbsp;&nbsp;(4) Leverage Ratio | 4.63 | 0.22 | 4.41 |
| 17. ROE<br>|  |  |  |
| Consolidated |  |  | (%) |
|  | <br> **FY3/2026**<br>|  | <br> FY3/2025<br>|
|  | (a) | (a) - (b) | (b) |
| &nbsp;&nbsp;&nbsp; ROE (Tokyo Stock Exchange's standard)<br>| 10.4 | 2.4 | 8.0 |
| &nbsp;&nbsp;&nbsp; ROE (denominator: Total stockholders' equity)<br>| 13.8 | 3.0 | 10.8 |

---

Note:

---

| | | | |
|:---|:---|:---|:---|
| ROE<br>(denominator: Total<br> stockholders' equity) | = | Profit attributable to owners of parent | X 100 |
| ROE<br>(denominator: Total<br> stockholders' equity) | = | {(Total stockholders' equity at the beginning of the period) + (Total stockholders' equity at the end of the period)} / 2 | X 100 |

---

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

Reference: Financial Statements of SMBC

1. Condensed balance sheet

SMBC non-consolidated

---

| | | | |
|:---|:---|:---|:---|
| | | | (Millions of yen) |
|  | **Mar. 31, 2026**<br>(a) | <br>(a) - (b) | Mar. 31, 2025<br>(b) |
| &nbsp;&nbsp;&nbsp; **Assets** |  |  |  |
| &nbsp;&nbsp;&nbsp; Cash and due from banks | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;68651578 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1110400) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;69761979 |
| &nbsp;&nbsp;&nbsp; Call loans | 5462547 | 977777 | 4484770 |
| &nbsp;&nbsp;&nbsp; Receivables under resale agreements | 7675741 | (950242) | 8625984 |
| &nbsp;&nbsp;&nbsp; Receivables under securities borrowing transactions | 2346965 | 1215229 | 1131736 |
| &nbsp;&nbsp;&nbsp; Monetary claims bought | 2289341 | 144174 | 2145167 |
| &nbsp;&nbsp;&nbsp; Trading assets | 4910025 | 1445874 | 3464150 |
| &nbsp;&nbsp;&nbsp; Securities | 35715777 | (1846074) | 37561851 |
| &nbsp;&nbsp;&nbsp; Loans and bills discounted | 110748673 | 6233081 | 104515592 |
| &nbsp;&nbsp;&nbsp; Foreign exchanges | 1877094 | (656321) | 2533415 |
| &nbsp;&nbsp;&nbsp; Other assets | 8018167 | 637167 | 7380999 |
| &nbsp;&nbsp;&nbsp; Tangible fixed assets | 812162 | 59734 | 752427 |
| &nbsp;&nbsp;&nbsp; Intangible fixed assets | 487718 | 83280 | 404437 |
| &nbsp;&nbsp;&nbsp; Prepaid pension cost | 679458 | 120558 | 558899 |
| &nbsp;&nbsp;&nbsp; Customers' liabilities for acceptances and guarantees | 16579830 | 1580407 | 14999422 |
| &nbsp;&nbsp;&nbsp; Reserve for possible loan losses | (693865) | (68326) | (625538) |
| &nbsp;&nbsp;&nbsp; Reserve for possible losses on investments | (2806) | 89764 | (92570) |
| &nbsp;&nbsp;&nbsp; **Total assets** | 265558413 | 7955687 | 257602725 |

---

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

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

(Millions of yen)

---

| | | | |
|:---|:---|:---|:---|
|  | <br> **Mar. 31, 2026**<br>(a)<br>| <br>(a) - (b)<br>| Mar. 31, 2025<br>(b)<br>|
| &nbsp;&nbsp;&nbsp; **Liabilities** |  |  |  |
| &nbsp;&nbsp;&nbsp; Deposits | 171335915 | 11604244 | 159731671 |
| &nbsp;&nbsp;&nbsp; Negotiable certificates of deposit | 15975615 | (1513959) | 17489575 |
| &nbsp;&nbsp;&nbsp; Call money | 1069649 | 131640 | 938008 |
| &nbsp;&nbsp;&nbsp; Payables under repurchase agreements | 11263623 | (6110351) | 17373975 |
| &nbsp;&nbsp;&nbsp; Payables under securities lending transactions | 338736 | (962347) | 1301084 |
| &nbsp;&nbsp;&nbsp; Commercial paper | 2242956 | 418437 | 1824519 |
| &nbsp;&nbsp;&nbsp; Trading liabilities | 3921172 | 1380470 | 2540702 |
| &nbsp;&nbsp;&nbsp; Borrowed money | 20489569 | (671126) | 21160696 |
| &nbsp;&nbsp;&nbsp; Foreign exchanges | 1498334 | (317080) | 1815415 |
| &nbsp;&nbsp;&nbsp; Bonds | 483702 | 88644 | 395058 |
| &nbsp;&nbsp;&nbsp; Due to trust account | 1244765 | (290958) | 1535723 |
| &nbsp;&nbsp;&nbsp; Other liabilities | 10556284 | 2026387 | 8529896 |
| &nbsp;&nbsp;&nbsp; Reserve for employee bonuses | 18280 | 3723 | 14557 |
| &nbsp;&nbsp;&nbsp; Reserve for executive bonuses | 1445 | 152 | 1292 |
| &nbsp;&nbsp;&nbsp; Reserve for point service program | 3991 | 1827 | 2163 |
| &nbsp;&nbsp;&nbsp; Reserve for reimbursement of deposits | 35019 | 30349 | 4669 |
| &nbsp;&nbsp;&nbsp; Deferred tax liabilities | 197238 | 65067 | 132170 |
| &nbsp;&nbsp;&nbsp; Deferred tax liabilities for land revaluation | 25750 | (673) | 26424 |
| &nbsp;&nbsp;&nbsp; Acceptances and guarantees<br>| 16579830 <br>| 1580407 <br>| 14999422 <br>|
| &nbsp;&nbsp;&nbsp; **Total liabilities**<br>| 257281882 <br>| 7464854 <br>| 249817028 <br>|
| &nbsp;&nbsp;&nbsp; **Net assets** |  |  |  |
| &nbsp;&nbsp;&nbsp; Capital stock | 1771093 |  | 1771093 |
| &nbsp;&nbsp;&nbsp; Capital surplus | 1774651 |  | 1774651 |
| &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Capital reserve | 1771140 |  | 1771140 |
| &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other capital surplus | 3510 |  | 3510 |
| &nbsp;&nbsp;&nbsp; Retained earnings | 4381583 | 545881 | 3835702 |
| &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other retained earnings | 4381583 | 545881 | 3835702 |
| &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Voluntary reserve for retirement allowances | 1656 |  | 1656 |
| &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Voluntary reserve | 219845 |  | 219845 |
| &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Retained earnings brought forward | 4160082 | 545881 | 3614201 |
| &nbsp;&nbsp;&nbsp; Treasury stock | (210003) |  | (210003) |
| &nbsp;&nbsp;&nbsp; Total stockholders' equity | 7717325 | 545881 | 7171443 |
| &nbsp;&nbsp;&nbsp; Net unrealized gains (losses) on other securities | 1551739 | 276159 | 1275580 |
| &nbsp;&nbsp;&nbsp; Net deferred gains (losses) on hedges | (1012596) | (328162) | (684434) |
| &nbsp;&nbsp;&nbsp; Land revaluation excess | 20062 | (3045) | 23107 |
| &nbsp;&nbsp;&nbsp; Total valuation and translation adjustments<br>| 559204 <br>| (55048) <br>| 614253 <br>|
| &nbsp;&nbsp;&nbsp; **Total net assets**<br>| 8276530 <br>| 490832 <br>| 7785697 <br>|
| &nbsp;&nbsp;&nbsp; **Total liabilities and net assets**<br>| 265558413 <br>| 7955687 <br>| 257602725 <br>|

---

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

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

2. Condensed income statement

SMBC non-consolidated

 (Millions of yen)

---

| | | | |
|:---|:---|:---|:---|
|  | **FY3/2026**<br> **(a)** | | FY3/2025<br> (b) |
|  | **FY3/2026**<br> **(a)** | <br>(a) - (b) | FY3/2025<br> (b) |
| &nbsp;&nbsp;&nbsp; Ordinary 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;7377956 <br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;272268 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7105687 |
| &nbsp;&nbsp;&nbsp; Interest income | 5569246 | 72098 | 5497147 |
| &nbsp;&nbsp;&nbsp; *Interest on loans and discounts* | *3029949* | *(12302)* | *3042252* |
| &nbsp;&nbsp;&nbsp; *Interest and dividends on securities* | *962030* | *14900* | *947130* |
| &nbsp;&nbsp;&nbsp; Trust fees | 4147 | 638 | 3509 |
| &nbsp;&nbsp;&nbsp; Fees and commissions | 889785 | 114672 | 775113 |
| &nbsp;&nbsp;&nbsp; Trading income | 1880 | (176337) | 178218 |
| &nbsp;&nbsp;&nbsp; Other operating income | 325342 | 233071 | 92270 |
| &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other income<br>| 587553 <br>| 28123 <br>| 559429 <br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> Ordinary expenses<br>| <br> 5479485 <br>| <br> (138139) <br>| <br> 5617625  |
| &nbsp;&nbsp;&nbsp; Interest expenses | 3622934 | (222923) | 3845857 |
| &nbsp;&nbsp;&nbsp; *Interest on deposits* | *1401337* | *56397* | *1344939* |
| &nbsp;&nbsp;&nbsp; Fees and commissions payments | 269901 | 40538 | 229362 |
| &nbsp;&nbsp;&nbsp; Trading losses | 16183 | 10159 | 6023 |
| &nbsp;&nbsp;&nbsp; Other operating expenses | 203490 | (4965) | 208455 |
| &nbsp;&nbsp;&nbsp; General and administrative expenses | 1132368 | 93259 | 1039108 |
| &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other expenses<br>| 234608 <br>| (54209) <br>| 288817 <br>|
| &nbsp;&nbsp;&nbsp; Ordinary profit<br>| 1898470 <br>| 410408 <br>| 1488062 <br>|
| &nbsp;&nbsp;&nbsp;Extraordinary gains | 9581 | 6546 | 3034 |
| &nbsp;&nbsp;&nbsp; Extraordinary losses<br>| 9836 <br>| (2677) <br>| 12513 <br>|
| &nbsp;&nbsp;&nbsp; Income before income taxes<br>| 1898215 <br>| 419632 <br>| 1478583 <br>|
| &nbsp;&nbsp;&nbsp;Income taxes - current | 518582 | 77874 | 440708 |
| &nbsp;&nbsp;&nbsp; Income taxes - deferred<br>| (32050) <br>| (1358) <br>| (30691) <br>|
| &nbsp;&nbsp;&nbsp;Total income taxes | 486532 | 76515 | 410016 |
| &nbsp;&nbsp;&nbsp; Net income<br>| 1411682 | 343116 | 1068566 |

---

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

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

3. Statement of changes in net assets

SMBC non-consolidated

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Year ended March 31, 2026 |  |  |  |  |  |  | (Millions of yen) | (Millions of yen) |
|  |  | Capital surplus | Capital surplus | Retained earnings | Retained earnings | Retained earnings |  |  |
|  |  |  |  | Other retained earnings | Other retained earnings | Other retained earnings |  |  |
|  | <br> Capital<br>stock | <br> Capital<br>reserve | <br> Other capital<br>surplus | Voluntary<br>reserve for<br>retirement<br>allowances | Voluntary<br> reserve | Retained<br>earnings<br>brought<br>forward | Treasury <br>stock | Total<br> stockholders'<br>equity |
| &nbsp;&nbsp;&nbsp; Balance<br> at the beginning of the period | 1771093 | 1771140 | 3510 | 1656 | 219845 | 3614201 | (210003) | 7171443 |
| &nbsp;&nbsp;&nbsp; Changes in the period<br>|  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Cash dividends<br>|  |  |  |  |  | (868070 )  |  | (868070)<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net income<br>|  |  |  |  |  | 1411682  |  | 1411682 <br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Reversal of land revaluation excess |  |  |  |  |  | 2269 |  | 2269 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net changes in items other than stockholders' equity in the period |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp; Net changes in the period<br>|  |  |  |  |  | 545881  |  | 545881 <br>|
| &nbsp;&nbsp;&nbsp; Balance<br> at the end of the period | 1771093 | 1771140 | 3510 | 1656 | 219845 | 4160082 | (210003) | 7717325 |
|  |  |  |  | (Millions of yen) | (Millions of yen) | (Millions of yen) |  |  |
|  | Valuation and translation adjustments | Valuation and translation adjustments | Valuation and translation adjustments | Valuation and translation adjustments |  |  |  |  |
|  | Net<br>unrealized<br>gains<br>(losses) on<br>other<br>securities | Net deferred<br>gains<br>(losses) on<br>hedges | Land<br>revaluation<br>excess | Total<br>valuation<br>and<br>translation<br>adjustments | Total net<br> assets |  |  |  |
| &nbsp;&nbsp;&nbsp; Balance<br> at the beginning of the period | 1275580 | (684434) | 23107 | 614253 | 7785697 |  |  |  |
| &nbsp;&nbsp;&nbsp; Changes in the period<br>|  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Cash dividends<br>|  |  |  |  | (868070 )  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net income<br>|  |  |  |  | 1411682  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Reversal of land revaluation excess<br>|  |  |  |  | 2269  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net changes in items other than stockholders' equity in the period | 276159 | (328162) | (3045) | (55048) | (55048) |  |  |  |
| &nbsp;&nbsp;&nbsp; Net changes in the period<br>| 276159  | (328162 )  | (3045 )  | (55048 )  | 490832  |  |  |  |
| &nbsp;&nbsp;&nbsp; Balance<br> at the end of the period | 1551739 | (1012596) | 20062 | 559204 | 8276530 |  |  |  |

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