# EDGAR Filing Document

**Accession Number:** 0001022837
**File Stem:** 0001193125-26-289267
**Filing Date:** 2026-6
**Character Count:** 52713
**Document Hash:** 6c0d80b1d3e420a4220db9938d9a847e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-289267.hdr.sgml**: 20260630

**ACCESSION NUMBER**: 0001193125-26-289267

**CONFORMED SUBMISSION TYPE**: FWP

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260630

**DATE AS OF CHANGE**: 20260630

**SUBJECT COMPANY**: 

**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:** FWP
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 333-276219
- **FILM NUMBER:** 261137878

**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
**FILED BY**: 

**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:** FWP

**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

**Filed Pursuant to Rule 433<br>Registration No. 333-276219** 

**Pricing Term Sheet – Senior Callable Floating Rate Notes due 2032** 

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| | |
|:---|:---|
| Issuer: | Sumitomo Mitsui Financial Group, Inc. ("SMFG") |
| Securities Offered: | U.S.$500,000,000 aggregate principal amount of senior callable floating rate notes due 2032 (the "Notes") |
| Offer and Sale: | SEC registered |
| Expected Security Ratings\*: | A1 (Moody's) / A- (S&P) / A- (Fitch) |
| Denomination: | U.S.$200,000 and integral multiples of U.S.$1,000 in excess thereof |
| Offering Price: | 100.000% |
| Pricing Date: | June 29, 2026 |
| Settlement Date: | July 7, 2026 |
| Maturity Date: | July 7, 2032 |
| Optional Redemption: | The Notes may be redeemed at SMFG's option and in SMFG's sole discretion, in whole, but not in part, subject to prior confirmation of the Financial Services Agency of Japan (the "FSA") (if such confirmation is required under applicable Japanese laws or regulations then in effect), on the date that is one year prior to the maturity date of the Notes and on giving not less than ten (10) Business Days ****nor more than sixty (60) days' notice of redemption (which notice shall be irrevocable and shall conform to all requirements with respect to such notice as set forth in the Indenture) to the holders of the Notes, at a redemption price equal to 100% of the principal amount of the Notes together with any accrued and unpaid interest (including additional amounts with respect thereto, if any), to (but excluding) the date fixed for redemption |
| Optional Tax Redemption: | The Notes will be redeemable at SMFG's option, subject to prior confirmation of the FSA (if such confirmation is required under applicable Japanese laws or regulations then in effect), upon the occurrence of certain changes in tax law, as set forth in the preliminary prospectus supplement dated June 29, 2026 (the "Preliminary Prospectus Supplement") |
| Ranking of the Notes: | The Notes will constitute direct, unconditional, unsecured and unsubordinated general obligations of SMFG and will at all times rank *pari passu* without any preference among themselves and with all other unsecured obligations of SMFG, other than subordinated obligations of SMFG and except for statutorily preferred obligations |
| Interest Basis: | Compounded Daily SOFR + Margin |
| Compounded Daily SOFR: | A compounded daily SOFR determined for each quarterly Interest Period in accordance with the specific formula described under "Description of the Notes—Calculation of Floating Interest Rates—Compounded Daily SOFR" in the Preliminary Prospectus Supplement |
| Margin: | + 1.05 per cent. *per annum* |
| Interest Payment Dates: | January 7, April 7, July 7 and October 7 of each year, beginning on October 7, 2026, and ending on the Maturity Date or, if redeemed early, the date of such redemption, subject to adjustment as explained below (each, an "Interest Payment Date"), with interest accruing from (and including) the Settlement Date. |

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| | |
|:---|:---|
|  | <br> If any Interest Payment Date (other than the Maturity Date or any early redemption date for taxation reasons) falls on a day that is not a Business Day, that Interest Payment Date will be adjusted in accordance with the Modified Following Business Day Convention.<br>The term "Modified Following Business Day Convention" means that the relevant date shall be postponed to the first following day that is a Business Day (and interest will continue to accrue to, but excluding, such succeeding Business Day) unless that day falls in the next calendar month in which case that date will be the first preceding day that is a Business Day (and interest will accrue to, but excluding, such preceding Business Day).<br>If the Maturity Date or any early redemption date would fall on a day that is not a Business Day, then any interest, principal or additional amounts, if any, as the case may be, will be paid on the next succeeding Business Day, and no interest shall accrue from and after the Maturity Date or such redemption date. |
| Interest Periods: | Each period beginning from (and including) the Settlement Date to (but excluding) the first Interest Payment Date, or from (and including) any Interest Payment Date to (but excluding) the next Interest Payment Date, or from (and including) any Interest Payment Date immediately preceding the applicable redemption date to (but excluding) such redemption date. |
| Interest Determination Date: | The date that is five Business Days before each Interest Payment Date. |
| Reference Rate: | SOFR, subject to fallback provisions |
| SOFR Observation Period: | In respect of each Interest Period, the period from, and including, the date five Business Days preceding the first date in such Interest Period to, but excluding, the date five Business Days preceding the Interest Payment Date for such Interest Period (or in respect of the payment of any interest in connection with any redemption of any Notes, the period from, and including, the date that is five Business Days preceding the first date in the Interest Period in which such redemption occurs to, but excluding, the date that is five Business Days before such redemption) |
| Day Count Basis: | Actual number of days in the applicable Interest Period divided by 360 |
| Business Day: | A day that is a U.S. Government Securities Business Day and that in New York, London and Tokyo, is not a day on which banking institutions are authorized by law or regulation to close. |

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| | |
|:---|:---|
|  | <br> The term "U.S. Government Securities Business Day" shall mean any day except for a Saturday, a Sunday or a day on which the Securities Industry and Financial Markets Association recommends that the fixed income departments of its members be closed for the entire day for purposes of trading in U.S. government securities. |
| Use of Proceeds: | SMFG intends to use the net proceeds of the offering to extend unsecured loans, intended to qualify as internal TLAC, to Sumitomo Mitsui Banking Corporation ("SMBC") and SMBC intends to use the proceeds of the loans for general corporate purposes |
| Listing: | Luxembourg Stock Exchange's Euro MTF Market |
| Settlement: | DTC, Euroclear and Clearstream |
| CUSIP: | 86562MEL0 |
| ISIN: | US86562MEL00 |
| Common Code: | 342932584 |
| Legal Entity Identifier: | 35380028MYWPB6AUO129 |
|  Joint Lead Managers and Joint Bookrunners: | SMBC Nikko Securities America, Inc.<br> Goldman Sachs & Co. LLC<br> Citigroup Global Markets Inc.<br> Jefferies LLC |
| Co-Managers: | Barclays Capital Inc.<br> BofA Securities, Inc.<br> J.P. Morgan Securities LLC<br> Nomura Securities International, Inc.<br> Daiwa Capital Markets America Inc.<br> HSBC Securities (USA) Inc.<br> Academy Securities, Inc.<br> Great Pacific Securities<br> Samuel A. Ramirez & Company, Inc.<br> R. Seelaus & Co., LLC |
| Stabilization Manager: | SMBC Nikko Securities America, Inc. |
|  Trustee, Paying Agent, Transfer Agent, Calculation Agent and Registrar: | The Bank of New York Mellon |

---

**\*Note: A securities rating is not a recommendation to buy, sell or hold securities and may be subject to revision or withdrawal at any time.** 

**The issuer has filed a registration statement (including a prospectus dated January 11, 2024 (the "Base Prospectus")) and a preliminary prospectus supplement dated June 29, 2026 (the "Preliminary Prospectus Supplement," and together with the Base Prospectus, the "Preliminary Prospectus") with the SEC for the offering to which this communication relates. Before you invest, you should read the Preliminary Prospectus and other documents the issuer has filed with the SEC for more complete information about the issuer and this offering. You may get these documents for free by visiting EDGAR on the SEC website at www.sec.gov. Alternatively, the issuer, any underwriter or any dealer participating in the offering will arrange to send you the Preliminary Prospectus if you request it by calling SMBC Nikko Securities America, Inc. toll-free at 1-888-868-6856, Goldman Sachs & Co. LLC at 1-212-902-1171 (Prospectus Department), Citigroup Global Markets Inc. toll-free at 1-800-831-9146 and Jefferies LLC at 1-877-877-0696 or by calling SMFG's investor relations department at +81-3-3282-8111.** 

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***No PRIIPs KID or U.K. PRIIPs KID/CCI PRODUCT SUMMARY*—No PRIIPs key information document (KID) or U.K. PRIIPs KID/CCI product summary has been prepared as not available to retail in EEA or U.K., respectively. See "PROHIBITION OF SALES TO EEA RETAIL INVESTORS" and "PROHIBITION OF SALES TO U.K. RETAIL INVESTORS" in the Preliminary Prospectus.** 

**This communication is intended for the sole use of the person to whom it is provided by us.** 

**This notice does not constitute an offer to sell or a solicitation of an offer to buy or an advertisement in respect of Notes in any jurisdiction where such offer or solicitation or advertisement would be unlawful.** 

------

**Pricing Term Sheet – 4.934% Senior Callable Fixed-to-Floating Rate Notes due 2032** 

---

| | |
|:---|:---|
| Issuer: | Sumitomo Mitsui Financial Group, Inc. ("SMFG") |
| Securities Offered: | U.S.$1,000,000,000 aggregate principal amount of 4.934% senior callable fixed-to-floating rate notes due 2032 (the "Notes") |
| Offer and Sale: | SEC registered |
| Expected Security Ratings\*: | A1 (Moody's) / A- (S&P) / A- (Fitch) |
| Denomination: | U.S.$200,000 and integral multiples of U.S.$1,000 in excess thereof |
| Offering Price: | 100.000% |
| Pricing Date: | June 29, 2026 |
| Settlement Date: | July 7, 2026 |
| Maturity Date: | July 7, 2032 |
| Optional Redemption: | The Notes may be redeemed at SMFG's option and in SMFG's sole discretion, in whole, but not in part, subject to prior confirmation of the Financial Services Agency of Japan (the "FSA") (if such confirmation is required under applicable Japanese laws or regulations then in effect), on the date that is one year prior to the maturity date of the Notes and on giving not less than ten (10) Business Days ****nor more than sixty (60) days' notice of redemption (which notice shall be irrevocable and shall conform to all requirements with respect to such notice as set forth in the Indenture) to the holders of the Notes, at a redemption price equal to 100% of the principal amount of the Notes together with any accrued and unpaid interest (including additional amounts with respect thereto, if any), to (but excluding) the date fixed for redemption |
| Optional Tax Redemption: | The Notes will be redeemable at SMFG's option, subject to prior confirmation of the FSA (if such confirmation is required under applicable Japanese laws or regulations then in effect), upon the occurrence of certain changes in tax law, as set forth in the preliminary prospectus supplement dated June 29, 2026 (the "Preliminary Prospectus Supplement") |
| Ranking of the Notes: | The Notes will constitute direct, unconditional, unsecured and unsubordinated general obligations of SMFG and will at all times rank *pari passu* without any preference among themselves and with all other unsecured obligations of SMFG, other than subordinated obligations of SMFG and except for statutorily preferred obligations |
| Interest Basis: | From (and including) the Settlement Date to (but excluding) the Reset Date (as defined below) (the "fixed rate period"), the Notes will bear interest at the fixed rate of 4.934% *per annum*.<br>From (and including) the Reset Date to (but excluding) the Maturity Date (the "floating rate period"), the Notes will bear interest at the relevant floating interest rate as determined by the Calculation Agent (as defined below) *per annum* equal to Compounded Daily SOFR + Margin. |

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| | |
|:---|:---|
| Compounded Daily SOFR: | A compounded daily SOFR determined for each quarterly Interest Period in accordance with the specific formula described under "Description of the Notes—Calculation of Floating Interest Rates—Compounded Daily SOFR" in the Preliminary Prospectus Supplement |
| Margin: | + 1.05 per cent. *per annum* |
| Interest Payment Dates: | During the fixed rate period, payable semiannually in arrears on January 7 and July 7 of each year beginning on January 7, 2027. Such semiannual interest will amount to U.S.$24.67 per U.S.$1,000 in nominal amount of the Notes for each interest payment date.<br>During the floating rate period, reset quarterly and payable quarterly in arrears on January 7, April 7, July 7 and October 7 of each year beginning on October 7, 2031, and ending on the Maturity Date or, if redeemed early, the date of such redemption, subject to adjustments as explained below (each, a "Floating Rate Period Interest Payment Date").<br>If any Floating Rate Period Interest Payment Date (other than the Maturity Date or any early redemption date for taxation reasons) falls on a day that is not a Business Day, that Floating Rate Period Interest Payment Date will be adjusted in accordance with the Modified Following Business Day Convention.<br>The term "Modified Following Business Day Convention" means that the relevant date shall be postponed to the first following day that is a Business Day (and interest will continue to accrue to, but excluding, such succeeding Business Day) unless that day falls in the next calendar month in which case that date will be the first preceding day that is a Business Day (and interest will accrue to, but excluding, such preceding Business Day).<br>If the Maturity Date or any early redemption date would fall on a day that is not a Business Day, then any interest, principal or additional amounts, if any, as the case may be, will be paid on the next succeeding Business Day, and no interest shall accrue from and after the Maturity Date or such redemption date. |
| Interest Periods: | Interest periods for the Notes during the floating rate period (the "Floating Rate Interest Period") mean each period beginning from (and including) the Reset Date to (but excluding) the first Floating Rate Period Interest Payment Date, or from (and including) any Floating Rate Period Interest Payment Date to (but excluding) the next Floating Rate Period Interest Payment Date, or from (and including) any Floating Rate Period Interest Payment Date immediately preceding the applicable redemption date to (but excluding) such redemption date |

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| | |
|:---|:---|
| Interest Determination Date: | The date that is five Business Days before each Floating Rate Period Interest Payment Date |
| Reference Rate: | SOFR, subject to fallback provisions |
| SOFR Observation Period: | In respect of each Floating Rate Interest Period, the period from, and including, the date five Business Days preceding the first date in such Floating Rate Interest Period to, but excluding, the date five Business Days preceding the Floating Rate Period Interest Payment Date for such Floating Rate Interest Period (or in respect of the payment of any interest in connection with any redemption of any Notes, the period from, and including, the date that is five Business Days preceding the first date in the Floating Rate Interest Period in which such redemption occurs to, but excluding, the date that is five Business Days before such redemption) |
| Spread to Benchmark: | T+80 bps |
| Reset Date: | July 7, 2031 |
| Day Count Basis: | For the fixed rate period, 30/360, unadjusted<br>For the floating rate period, actual number of days in the applicable Floating Rate Interest Period divided by 360 |
| Business Day: | With respect to the fixed rate period, New York, London and Tokyo.<br>With respect to the floating rate period, a day that is a U.S. Government Securities Business Day and that in New York, London and Tokyo, is not a day on which banking institutions are authorized by law or regulation to close.<br>The term "U.S. Government Securities Business Day" shall mean any day except for a Saturday, a Sunday or a day on which the Securities Industry and Financial Markets Association recommends that the fixed income departments of its members be closed for the entire day for purposes of trading in U.S. government securities. |
| Use of Proceeds: | SMFG intends to use the net proceeds of the offering to extend unsecured loans, intended to qualify as internal TLAC, to Sumitomo Mitsui Banking Corporation ("SMBC") and SMBC intends to use the proceeds of the loans for general corporate purposes |
| Listing: | Luxembourg Stock Exchange's Euro MTF Market |
| Settlement: | DTC, Euroclear and Clearstream |
| CUSIP: | 86562MEM8 |
| ISIN: | US86562MEM82 |
| Common Code: | 342932606 |
| Legal Entity Identifier: | 35380028MYWPB6AUO129 |
|  Joint Lead Managers and Joint Bookrunners: | SMBC Nikko Securities America, Inc.<br> Goldman Sachs & Co. LLC<br> Citigroup Global Markets Inc.<br> Jefferies LLC |

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| | |
|:---|:---|
| Co-Managers: | Barclays Capital Inc.<br> BofA Securities, Inc.<br> J.P. Morgan Securities LLC<br> Nomura Securities International, Inc.<br> Daiwa Capital Markets America Inc.<br> HSBC Securities (USA) Inc.<br> Academy Securities, Inc.<br> Great Pacific Securities<br> Samuel A. Ramirez & Company, Inc.<br> R. Seelaus & Co., LLC |
| Stabilization Manager: | SMBC Nikko Securities America, Inc. |
|  Trustee, Paying Agent, Transfer Agent, Calculation Agent and Registrar: | The Bank of New York Mellon |

---

**\*Note: A securities rating is not a recommendation to buy, sell or hold securities and may be subject to revision or withdrawal at any time.** 

**The issuer has filed a registration statement (including a prospectus dated January 11, 2024 (the "Base Prospectus")) and a preliminary prospectus supplement dated June 29, 2026 (the "Preliminary Prospectus Supplement," and together with the Base Prospectus, the "Preliminary Prospectus") with the SEC for the offering to which this communication relates. Before you invest, you should read the Preliminary Prospectus and other documents the issuer has filed with the SEC for more complete information about the issuer and this offering. You may get these documents for free by visiting EDGAR on the SEC website at www.sec.gov. Alternatively, the issuer, any underwriter or any dealer participating in the offering will arrange to send you the Preliminary Prospectus if you request it by calling SMBC Nikko Securities America, Inc. toll-free at 1-888-868-6856, Goldman Sachs & Co. LLC at 1-212-902-1171 (Prospectus Department), Citigroup Global Markets Inc. toll-free at 1-800-831-9146 and Jefferies LLC at 1-877-877-0696 or by calling SMFG's investor relations department at +81-3-3282-8111.** 

***No PRIIPs KID or U.K. PRIIPs KID/CCI PRODUCT SUMMARY*—No PRIIPs key information document (KID) or U.K. PRIIPs KID/CCI product summary has been prepared as not available to retail in EEA or U.K., respectively. See "PROHIBITION OF SALES TO EEA RETAIL INVESTORS" and "PROHIBITION OF SALES TO U.K. RETAIL INVESTORS" in the Preliminary Prospectus.** 

**This communication is intended for the sole use of the person to whom it is provided by us.** 

**This notice does not constitute an offer to sell or a solicitation of an offer to buy or an advertisement in respect of Notes in any jurisdiction where such offer or solicitation or advertisement would be unlawful.** 

------

**Pricing Term Sheet – 5.138% Senior Callable Fixed-to-Floating Rate Notes due 2034** 

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| | |
|:---|:---|
| Issuer: | Sumitomo Mitsui Financial Group, Inc. ("SMFG") |
| Securities Offered: | U.S.$500,000,000 aggregate principal amount of 5.138% senior callable fixed-to-floating rate notes due 2034 (the "Notes") |
| Offer and Sale: | SEC registered |
| Expected Security Ratings\*: | A1 (Moody's) / A- (S&P) / A- (Fitch) |
| Denomination: | U.S.$200,000 and integral multiples of U.S.$1,000 in excess thereof |
| Offering Price: | 100.000% |
| Pricing Date: | June 29, 2026 |
| Settlement Date: | July 7, 2026 |
| Maturity Date: | July 7, 2034 |
| Optional Redemption: | The Notes may be redeemed at SMFG's option and in SMFG's sole discretion, in whole, but not in part, subject to prior confirmation of the Financial Services Agency of Japan (the "FSA") (if such confirmation is required under applicable Japanese laws or regulations then in effect), on the date that is one year prior to the maturity date of the Notes and on giving not less than ten (10) Business Days ****nor more than sixty (60) days' notice of redemption (which notice shall be irrevocable and shall conform to all requirements with respect to such notice as set forth in the Indenture) to the holders of the Notes, at a redemption price equal to 100% of the principal amount of the Notes together with any accrued and unpaid interest (including additional amounts with respect thereto, if any), to (but excluding) the date fixed for redemption |
| Optional Tax Redemption: | The Notes will be redeemable at SMFG's option, subject to prior confirmation of the FSA (if such confirmation is required under applicable Japanese laws or regulations then in effect), upon the occurrence of certain changes in tax law, as set forth in the preliminary prospectus supplement dated June 29, 2026 (the "Preliminary Prospectus Supplement") |
| Ranking of the Notes: | The Notes will constitute direct, unconditional, unsecured and unsubordinated general obligations of SMFG and will at all times rank *pari passu* without any preference among themselves and with all other unsecured obligations of SMFG, other than subordinated obligations of SMFG and except for statutorily preferred obligations |
| Interest Basis: | From (and including) the Settlement Date to (but excluding) the Reset Date (as defined below) (the "fixed rate period"), the Notes will bear interest at the fixed rate of 5.138% *per annum*.<br>From (and including) the Reset Date to (but excluding) the Maturity Date (the "floating rate period"), the Notes will bear interest at the relevant floating interest rate as determined by the Calculation Agent (as defined below) *per annum* equal to Compounded Daily SOFR + Margin. |

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| | |
|:---|:---|
| Compounded Daily SOFR: | A compounded daily SOFR determined for each quarterly Interest Period in accordance with the specific formula described under "Description of the Notes—Calculation of Floating Interest Rates—Compounded Daily SOFR" in the Preliminary Prospectus Supplement |
| Margin: | + 1.22 per cent. *per annum* |
| Interest Payment Dates: | During the fixed rate period, payable semiannually in arrears on January 7 and July 7 of each year beginning on January 7, 2027. Such semiannual interest will amount to U.S.$25.69 per U.S.$1,000 in nominal amount of the Notes for each interest payment date.<br>During the floating rate period, reset quarterly and payable quarterly in arrears on January 7, April 7, July 7 and October 7 of each year beginning on October 7, 2033, and ending on the Maturity Date or, if redeemed early, the date of such redemption, subject to adjustments as explained below (each, a "Floating Rate Period Interest Payment Date").<br>If any Floating Rate Period Interest Payment Date (other than the Maturity Date or any early redemption date for taxation reasons) falls on a day that is not a Business Day, that Floating Rate Period Interest Payment Date will be adjusted in accordance with the Modified Following Business Day Convention.<br>The term "Modified Following Business Day Convention" means that the relevant date shall be postponed to the first following day that is a Business Day (and interest will continue to accrue to, but excluding, such succeeding Business Day) unless that day falls in the next calendar month in which case that date will be the first preceding day that is a Business Day (and interest will accrue to, but excluding, such preceding Business Day).<br>If the Maturity Date or any early redemption date would fall on a day that is not a Business Day, then any interest, principal or additional amounts, if any, as the case may be, will be paid on the next succeeding Business Day, and no interest shall accrue from and after the Maturity Date or such redemption date. |
| Interest Periods: | Interest periods for the Notes during the floating rate period (the "Floating Rate Interest Period") mean each period beginning from (and including) the Reset Date to (but excluding) the first Floating Rate Period Interest Payment Date, or from (and including) any Floating Rate Period Interest Payment Date to (but excluding) the next Floating Rate Period Interest Payment Date, or from (and including) any Floating Rate Period Interest Payment Date immediately preceding the applicable redemption date to (but excluding) such redemption date |

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| | |
|:---|:---|
| Interest Determination Date: | The date that is five Business Days before each Floating Rate Period Interest Payment Date |
| Reference Rate: | SOFR, subject to fallback provisions |
| SOFR Observation Period: | In respect of each Floating Rate Interest Period, the period from, and including, the date five Business Days preceding the first date in such Floating Rate Interest Period to, but excluding, the date five Business Days preceding the Floating Rate Period Interest Payment Date for such Floating Rate Interest Period (or in respect of the payment of any interest in connection with any redemption of any Notes, the period from, and including, the date that is five Business Days preceding the first date in the Floating Rate Interest Period in which such redemption occurs to, but excluding, the date that is five Business Days before such redemption) |
| Spread to Benchmark: | T+90 bps |
| Reset Date: | July 7, 2033 |
| Day Count Basis: | For the fixed rate period, 30/360, unadjusted<br>For the floating rate period, actual number of days in the applicable Floating Rate Interest Period divided by 360 |
| Business Day: | With respect to the fixed rate period, New York, London and Tokyo.<br>With respect to the floating rate period, a day that is a U.S. Government Securities Business Day and that in New York, London and Tokyo, is not a day on which banking institutions are authorized by law or regulation to close.<br>The term "U.S. Government Securities Business Day" shall mean any day except for a Saturday, a Sunday or a day on which the Securities Industry and Financial Markets Association recommends that the fixed income departments of its members be closed for the entire day for purposes of trading in U.S. government securities. |
| Use of Proceeds: | SMFG intends to use the net proceeds of the offering to extend unsecured loans, intended to qualify as internal TLAC, to Sumitomo Mitsui Banking Corporation ("SMBC") and SMBC intends to use the proceeds of the loans for general corporate purposes |
| Listing: | Luxembourg Stock Exchange's Euro MTF Market |
| Settlement: | DTC, Euroclear and Clearstream |
| CUSIP: | 86562MEN6 |
| ISIN: | US86562MEN65 |
| Common Code: | 342932746 |
| Legal Entity Identifier: | 35380028MYWPB6AUO129 |
|  Joint Lead Managers and Joint Bookrunners: | SMBC Nikko Securities America, Inc.<br> Goldman Sachs & Co. LLC<br> Citigroup Global Markets Inc.<br> Jefferies LLC |

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| | |
|:---|:---|
| Co-Managers: | Barclays Capital Inc.<br> BofA Securities, Inc.<br> J.P. Morgan Securities LLC<br> Nomura Securities International, Inc.<br> Daiwa Capital Markets America Inc.<br> HSBC Securities (USA) Inc.<br> Academy Securities, Inc.<br> Great Pacific Securities<br> Samuel A. Ramirez & Company, Inc.<br> R. Seelaus & Co., LLC |
| Stabilization Manager: | SMBC Nikko Securities America, Inc. |
|  Trustee, Paying Agent, Transfer Agent, Calculation Agent and Registrar: | The Bank of New York Mellon |

---

**\*Note: A securities rating is not a recommendation to buy, sell or hold securities and may be subject to revision or withdrawal at any time.** 

**The issuer has filed a registration statement (including a prospectus dated January 11, 2024 (the "Base Prospectus")) and a preliminary prospectus supplement dated June 29, 2026 (the "Preliminary Prospectus Supplement," and together with the Base Prospectus, the "Preliminary Prospectus") with the SEC for the offering to which this communication relates. Before you invest, you should read the Preliminary Prospectus and other documents the issuer has filed with the SEC for more complete information about the issuer and this offering. You may get these documents for free by visiting EDGAR on the SEC website at www.sec.gov. Alternatively, the issuer, any underwriter or any dealer participating in the offering will arrange to send you the Preliminary Prospectus if you request it by calling SMBC Nikko Securities America, Inc. toll-free at 1-888-868-6856, Goldman Sachs & Co. LLC at 1-212-902-1171 (Prospectus Department), Citigroup Global Markets Inc. toll-free at 1-800-831-9146 and Jefferies LLC at 1-877-877-0696 or by calling SMFG's investor relations department at +81-3-3282-8111.** 

***No PRIIPs KID or U.K. PRIIPs KID/CCI PRODUCT SUMMARY*—No PRIIPs key information document (KID) or U.K. PRIIPs KID/CCI product summary has been prepared as not available to retail in EEA or U.K., respectively. See "PROHIBITION OF SALES TO EEA RETAIL INVESTORS" and "PROHIBITION OF SALES TO U.K. RETAIL INVESTORS" in the Preliminary Prospectus.** 

**This communication is intended for the sole use of the person to whom it is provided by us.** 

**This notice does not constitute an offer to sell or a solicitation of an offer to buy or an advertisement in respect of Notes in any jurisdiction where such offer or solicitation or advertisement would be unlawful.** 

------

**Pricing Term Sheet – 5.296% Senior Callable Fixed-to-Floating Rate Notes due 2037** 

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| | |
|:---|:---|
| Issuer: | Sumitomo Mitsui Financial Group, Inc. ("SMFG") |
| Securities Offered: | U.S.$750,000,000 aggregate principal amount of 5.296% senior callable fixed-to-floating rate notes due 2037 (the "Notes") |
| Offer and Sale: | SEC registered |
| Expected Security Ratings\*: | A1 (Moody's) / A- (S&P) / A- (Fitch) |
| Denomination: | U.S.$200,000 and integral multiples of U.S.$1,000 in excess thereof |
| Offering Price: | 100.000% |
| Pricing Date: | June 29, 2026 |
| Settlement Date: | July 7, 2026 |
| Maturity Date: | July 7, 2037 |
| Optional Redemption: | The Notes may be redeemed at SMFG's option and in SMFG's sole discretion, in whole, but not in part, subject to prior confirmation of the Financial Services Agency of Japan (the "FSA") (if such confirmation is required under applicable Japanese laws or regulations then in effect), on the date that is one year prior to the maturity date of the Notes and on giving not less than ten (10) Business Days ****nor more than sixty (60) days' notice of redemption (which notice shall be irrevocable and shall conform to all requirements with respect to such notice as set forth in the Indenture) to the holders of the Notes, at a redemption price equal to 100% of the principal amount of the Notes together with any accrued and unpaid interest (including additional amounts with respect thereto, if any), to (but excluding) the date fixed for redemption |
| Optional Tax Redemption: | The Notes will be redeemable at SMFG's option, subject to prior confirmation of the FSA (if such confirmation is required under applicable Japanese laws or regulations then in effect), upon the occurrence of certain changes in tax law, as set forth in the preliminary prospectus supplement dated June 29, 2026 (the "Preliminary Prospectus Supplement") |
| Ranking of the Notes: | The Notes will constitute direct, unconditional, unsecured and unsubordinated general obligations of SMFG and will at all times rank *pari passu* without any preference among themselves and with all other unsecured obligations of SMFG, other than subordinated obligations of SMFG and except for statutorily preferred obligations |
| Interest Basis: | From (and including) the Settlement Date to (but excluding) the Reset Date (as defined below) (the "fixed rate period"), the Notes will bear interest at the fixed rate of 5.296% *per annum*.<br>From (and including) the Reset Date to (but excluding) the Maturity Date (the "floating rate period"), the Notes will bear interest at the relevant floating interest rate as determined by the Calculation Agent (as defined below) *per annum* equal to Compounded Daily SOFR + Margin. |

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| | |
|:---|:---|
| Compounded Daily SOFR: | A compounded daily SOFR determined for each quarterly Interest Period in accordance with the specific formula described under "Description of the Notes—Calculation of Floating Interest Rates—Compounded Daily SOFR" in the Preliminary Prospectus Supplement |
| Margin: | + 1.29 per cent. *per annum* |
| Interest Payment Dates: | During the fixed rate period, payable semiannually in arrears on January 7 and July 7 of each year beginning on January 7, 2027. Such semiannual interest will amount to U.S.$26.48 per U.S.$1,000 in nominal amount of the Notes for each interest payment date.<br>During the floating rate period, reset quarterly and payable quarterly in arrears on January 7, April 7, July 7 and October 7 of each year beginning on October 7, 2036, and ending on the Maturity Date or, if redeemed early, the date of such redemption, subject to adjustments as explained below (each, a "Floating Rate Period Interest Payment Date").<br>If any Floating Rate Period Interest Payment Date (other than the Maturity Date or any early redemption date for taxation reasons) falls on a day that is not a Business Day, that Floating Rate Period Interest Payment Date will be adjusted in accordance with the Modified Following Business Day Convention.<br>The term "Modified Following Business Day Convention" means that the relevant date shall be postponed to the first following day that is a Business Day (and interest will continue to accrue to, but excluding, such succeeding Business Day) unless that day falls in the next calendar month in which case that date will be the first preceding day that is a Business Day (and interest will accrue to, but excluding, such preceding Business Day).<br>If the Maturity Date or any early redemption date would fall on a day that is not a Business Day, then any interest, principal or additional amounts, if any, as the case may be, will be paid on the next succeeding Business Day, and no interest shall accrue from and after the Maturity Date or such redemption date. |
| Interest Periods: | Interest periods for the Notes during the floating rate period (the "Floating Rate Interest Period") mean each period beginning from (and including) the Reset Date to (but excluding) the first Floating Rate Period Interest Payment Date, or from (and including) any Floating Rate Period Interest Payment Date to (but excluding) the next Floating Rate Period Interest Payment Date, or from (and including) any Floating Rate Period Interest Payment Date immediately preceding the applicable redemption date to (but excluding) such redemption date |

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| | |
|:---|:---|
| Interest Determination Date: | The date that is five Business Days before each Floating Rate Period Interest Payment Date |
| Reference Rate: | SOFR, subject to fallback provisions |
| SOFR Observation Period: | In respect of each Floating Rate Interest Period, the period from, and including, the date five Business Days preceding the first date in such Floating Rate Interest Period to, but excluding, the date five Business Days preceding the Floating Rate Period Interest Payment Date for such Floating Rate Interest Period (or in respect of the payment of any interest in connection with any redemption of any Notes, the period from, and including, the date that is five Business Days preceding the first date in the Floating Rate Interest Period in which such redemption occurs to, but excluding, the date that is five Business Days before such redemption) |
| Spread to Benchmark: | T+93 bps |
| Reset Date: | July 7, 2036 |
| Day Count Basis: | For the fixed rate period, 30/360, unadjusted<br>For the floating rate period, actual number of days in the applicable Floating Rate Interest Period divided by 360 |
| Business Day: | With respect to the fixed rate period, New York, London and Tokyo.<br>With respect to the floating rate period, a day that is a U.S. Government Securities Business Day and that in New York, London and Tokyo, is not a day on which banking institutions are authorized by law or regulation to close.<br>The term "U.S. Government Securities Business Day" shall mean any day except for a Saturday, a Sunday or a day on which the Securities Industry and Financial Markets Association recommends that the fixed income departments of its members be closed for the entire day for purposes of trading in U.S. government securities. |
| Use of Proceeds: | SMFG intends to use the net proceeds of the offering to extend unsecured loans, intended to qualify as internal TLAC, to Sumitomo Mitsui Banking Corporation ("SMBC") and SMBC intends to use the proceeds of the loans for general corporate purposes |
| Listing: | Luxembourg Stock Exchange's Euro MTF Market |
| Settlement: | DTC, Euroclear and Clearstream |
| CUSIP: | 86562MEP1 |
| ISIN: | US86562MEP14 |
| Common Code: | 342932789 |
| Legal Entity Identifier: | 35380028MYWPB6AUO129 |
|  Joint Lead Managers and Joint Bookrunners: | SMBC Nikko Securities America, Inc.<br> Goldman Sachs & Co. LLC<br> Citigroup Global Markets Inc.<br> Jefferies LLC |

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| | |
|:---|:---|
| Co-Managers: | Barclays Capital Inc.<br> BofA Securities, Inc.<br> J.P. Morgan Securities LLC<br> Nomura Securities International, Inc.<br> Daiwa Capital Markets America Inc.<br> HSBC Securities (USA) Inc.<br> Academy Securities, Inc.<br> Great Pacific Securities<br> Samuel A. Ramirez & Company, Inc.<br> R. Seelaus & Co., LLC |
| Stabilization Manager: | SMBC Nikko Securities America, Inc. |
|  Trustee, Paying Agent, Transfer Agent, Calculation Agent and Registrar: | The Bank of New York Mellon |

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**\*Note: A securities rating is not a recommendation to buy, sell or hold securities and may be subject to revision or withdrawal at any time.** 

**The issuer has filed a registration statement (including a prospectus dated January 11, 2024 (the "Base Prospectus")) and a preliminary prospectus supplement dated June 29, 2026 (the "Preliminary Prospectus Supplement," and together with the Base Prospectus, the "Preliminary Prospectus") with the SEC for the offering to which this communication relates. Before you invest, you should read the Preliminary Prospectus and other documents the issuer has filed with the SEC for more complete information about the issuer and this offering. You may get these documents for free by visiting EDGAR on the SEC website at www.sec.gov. Alternatively, the issuer, any underwriter or any dealer participating in the offering will arrange to send you the Preliminary Prospectus if you request it by calling SMBC Nikko Securities America, Inc. toll-free at 1-888-868-6856, Goldman Sachs & Co. LLC at 1-212-902-1171 (Prospectus Department), Citigroup Global Markets Inc. toll-free at 1-800-831-9146 and Jefferies LLC at 1-877-877-0696 or by calling SMFG's investor relations department at +81-3-3282-8111.** 

***No PRIIPs KID or U.K. PRIIPs KID/CCI product summary*—No PRIIPs key information document (KID) or U.K. PRIIPs KID/CCI product summary has been prepared as not available to retail in EEA or U.K., respectively. See "PROHIBITION OF SALES TO EEA RETAIL INVESTORS" and "PROHIBITION OF SALES TO U.K. RETAIL INVESTORS" in the Preliminary Prospectus.** 

**This communication is intended for the sole use of the person to whom it is provided by us.** 

**This notice does not constitute an offer to sell or a solicitation of an offer to buy or an advertisement in respect of Notes in any jurisdiction where such offer or solicitation or advertisement would be unlawful.** 

------

**Pricing Term Sheet – 5.754% Senior Callable Fixed-to-Floating Rate Notes due 2047** 

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| | |
|:---|:---|
| Issuer: | Sumitomo Mitsui Financial Group, Inc. ("SMFG") |
| Securities Offered: | U.S.$500,000,000 aggregate principal amount of 5.754% senior callable fixed-to-floating rate notes due 2047 (the "Notes") |
| Offer and Sale: | SEC registered |
| Expected Security Ratings\*: | A1 (Moody's) / A- (S&P) / A- (Fitch) |
| Denomination: | U.S.$200,000 and integral multiples of U.S.$1,000 in excess thereof |
| Offering Price: | 100.000% |
| Pricing Date: | June 29, 2026 |
| Settlement Date: | July 7, 2026 |
| Maturity Date: | July 7, 2047 |
| Optional Redemption: | The Notes may be redeemed at SMFG's option and in SMFG's sole discretion, in whole, but not in part, subject to prior confirmation of the Financial Services Agency of Japan (the "FSA") (if such confirmation is required under applicable Japanese laws or regulations then in effect), on the date that is one year prior to the maturity date of the Notes and on giving not less than ten (10) Business Days ****nor more than sixty (60) days' notice of redemption (which notice shall be irrevocable and shall conform to all requirements with respect to such notice as set forth in the Indenture) to the holders of the Notes, at a redemption price equal to 100% of the principal amount of the Notes together with any accrued and unpaid interest (including additional amounts with respect thereto, if any), to (but excluding) the date fixed for redemption |
| Optional Tax Redemption: | The Notes will be redeemable at SMFG's option, subject to prior confirmation of the FSA (if such confirmation is required under applicable Japanese laws or regulations then in effect), upon the occurrence of certain changes in tax law, as set forth in the preliminary prospectus supplement dated June 29, 2026 (the "Preliminary Prospectus Supplement") |
| Ranking of the Notes: | The Notes will constitute direct, unconditional, unsecured and unsubordinated general obligations of SMFG and will at all times rank *pari passu* without any preference among themselves and with all other unsecured obligations of SMFG, other than subordinated obligations of SMFG and except for statutorily preferred obligations |
| Interest Basis: | From (and including) the Settlement Date to (but excluding) the Reset Date (as defined below) (the "fixed rate period"), the Notes will bear interest at the fixed rate of 5.754% *per annum*.<br>From (and including) the Reset Date to (but excluding) the Maturity Date (the "floating rate period"), the Notes will bear interest at the relevant floating interest rate as determined by the Calculation Agent (as defined below) *per annum* equal to Compounded Daily SOFR + Margin. |

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| | |
|:---|:---|
| Compounded Daily SOFR: | A compounded daily SOFR determined for each quarterly Interest Period in accordance with the specific formula described under "Description of the Notes—Calculation of Floating Interest Rates—Compounded Daily SOFR" in the Preliminary Prospectus Supplement |
| Margin: | + 1.53 per cent. *per annum* |
| Interest Payment Dates: | During the fixed rate period, payable semiannually in arrears on January 7 and July 7 of each year beginning on January 7, 2027. Such semiannual interest will amount to U.S.$28.77 per U.S.$1,000 in nominal amount of the Notes for each interest payment date.<br>During the floating rate period, reset quarterly and payable quarterly in arrears on January 7, April 7, July 7 and October 7 of each year beginning on October 7, 2046, and ending on the Maturity Date or, if redeemed early, the date of such redemption, subject to adjustments as explained below (each, a "Floating Rate Period Interest Payment Date").<br>If any Floating Rate Period Interest Payment Date (other than the Maturity Date or any early redemption date for taxation reasons) falls on a day that is not a Business Day, that Floating Rate Period Interest Payment Date will be adjusted in accordance with the Modified Following Business Day Convention.<br>The term "Modified Following Business Day Convention" means that the relevant date shall be postponed to the first following day that is a Business Day (and interest will continue to accrue to, but excluding, such succeeding Business Day) unless that day falls in the next calendar month in which case that date will be the first preceding day that is a Business Day (and interest will accrue to, but excluding, such preceding Business Day).<br>If the Maturity Date or any early redemption date would fall on a day that is not a Business Day, then any interest, principal or additional amounts, if any, as the case may be, will be paid on the next succeeding Business Day, and no interest shall accrue from and after the Maturity Date or such redemption date. |
| Interest Periods: | Interest periods for the Notes during the floating rate period (the "Floating Rate Interest Period") mean each period beginning from (and including) the Reset Date to (but excluding) the first Floating Rate Period Interest Payment Date, or from (and including) any Floating Rate Period Interest Payment Date to (but excluding) the next Floating Rate Period Interest Payment Date, or from (and including) any Floating Rate Period Interest Payment Date immediately preceding the applicable redemption date to (but excluding) such redemption date |

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| | |
|:---|:---|
| Interest Determination Date: | The date that is five Business Days before each Floating Rate Period Interest Payment Date |
| Reference Rate: | SOFR, subject to fallback provisions |
| SOFR Observation Period: | In respect of each Floating Rate Interest Period, the period from, and including, the date five Business Days preceding the first date in such Floating Rate Interest Period to, but excluding, the date five Business Days preceding the Floating Rate Period Interest Payment Date for such Floating Rate Interest Period (or in respect of the payment of any interest in connection with any redemption of any Notes, the period from, and including, the date that is five Business Days preceding the first date in the Floating Rate Interest Period in which such redemption occurs to, but excluding, the date that is five Business Days before such redemption) |
| Spread to Benchmark: | T+90 bps |
| Reset Date: | July 7, 2046 |
| Day Count Basis: | For the fixed rate period, 30/360, unadjusted<br>For the floating rate period, actual number of days in the applicable Floating Rate Interest Period divided by 360 |
| Business Day: | With respect to the fixed rate period, New York, London and Tokyo.<br>With respect to the floating rate period, a day that is a U.S. Government Securities Business Day and that in New York, London and Tokyo, is not a day on which banking institutions are authorized by law or regulation to close.<br>The term "U.S. Government Securities Business Day" shall mean any day except for a Saturday, a Sunday or a day on which the Securities Industry and Financial Markets Association recommends that the fixed income departments of its members be closed for the entire day for purposes of trading in U.S. government securities. |
| Use of Proceeds: | SMFG intends to use the net proceeds of the offering to extend unsecured loans, intended to qualify as internal TLAC, to Sumitomo Mitsui Banking Corporation ("SMBC") and SMBC intends to use the proceeds of the loans for general corporate purposes |
| Listing: | Luxembourg Stock Exchange's Euro MTF Market |
| Settlement: | DTC, Euroclear and Clearstream |
| CUSIP: | 86562MEQ9 |
| ISIN: | US86562MEQ96 |
| Common Code: | 342932819 |
| Legal Entity Identifier: | 35380028MYWPB6AUO129 |
|  Joint Lead Managers and Joint Bookrunners: | SMBC Nikko Securities America, Inc.<br> Goldman Sachs & Co. LLC<br> Citigroup Global Markets Inc.<br> Jefferies LLC |

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| | |
|:---|:---|
| Co-Managers: | Barclays Capital Inc.<br> BofA Securities, Inc.<br> J.P. Morgan Securities LLC<br> Nomura Securities International, Inc.<br> Daiwa Capital Markets America Inc.<br> HSBC Securities (USA) Inc.<br> Academy Securities, Inc.<br> Great Pacific Securities<br> Samuel A. Ramirez & Company, Inc.<br> R. Seelaus & Co., LLC |
| Stabilization Manager: | SMBC Nikko Securities America, Inc. |
|  Trustee, Paying Agent, Transfer Agent, Calculation Agent and Registrar: | The Bank of New York Mellon |

---

**\*Note: A securities rating is not a recommendation to buy, sell or hold securities and may be subject to revision or withdrawal at any time.** 

**The issuer has filed a registration statement (including a prospectus dated January 11, 2024 (the "Base Prospectus")) and a preliminary prospectus supplement dated June 29, 2026 (the "Preliminary Prospectus Supplement," and together with the Base Prospectus, the "Preliminary Prospectus") with the SEC for the offering to which this communication relates. Before you invest, you should read the Preliminary Prospectus and other documents the issuer has filed with the SEC for more complete information about the issuer and this offering. You may get these documents for free by visiting EDGAR on the SEC website at www.sec.gov. Alternatively, the issuer, any underwriter or any dealer participating in the offering will arrange to send you the Preliminary Prospectus if you request it by calling SMBC Nikko Securities America, Inc. toll-free at 1-888-868-6856, Goldman Sachs & Co. LLC at 1-212-902-1171 (Prospectus Department), Citigroup Global Markets Inc. toll-free at 1-800-831-9146 and Jefferies LLC at 1-877-877-0696 or by calling SMFG's investor relations department at +81-3-3282-8111.** 

***No PRIIPs KID or U.K. PRIIPs KID/CCI product summary*—No PRIIPs key information document (KID) or U.K. PRIIPs KID/CCI product summary has been prepared as not available to retail in EEA or U.K., respectively. See "PROHIBITION OF SALES TO EEA RETAIL INVESTORS" and "PROHIBITION OF SALES TO U.K. RETAIL INVESTORS" in the Preliminary Prospectus.** 

**This communication is intended for the sole use of the person to whom it is provided by us.** 

**This notice does not constitute an offer to sell or a solicitation of an offer to buy or an advertisement in respect of Notes in any jurisdiction where such offer or solicitation or advertisement would be unlawful.**