6-K

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 OF THE

SECURITIES EXCHANGE ACT OF 1934

For the month of July 2025

Commission File Number 001-34919

SUMITOMO MITSUI FINANCIAL GROUP, INC.

(Translation of registrant’s name into English)

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

(Address of principal executive offices)

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

THIS REPORT ON FORM 6-K SHALL BE DEEMED TO BE INCORPORATED BY REFERENCE INTO THE PROSPECTUS FORMING A PART OF SUMITOMO MITSUI FINANCIAL GROUP, INC.’S REGISTRATION STATEMENT ON FORM F-3 (FILE NO. 333-276219) AND TO BE A PART OF SUCH PROSPECTUS FROM THE DATE ON WHICH THIS REPORT IS FURNISHED, TO THE EXTENT NOT SUPERSEDED BY DOCUMENTS OR REPORTS SUBSEQUENTLY FILED OR FURNISHED, EXCEPT FOR ANY MATERIALS THEMSELVES INCORPORATED BY REFERENCE INTO INFORMATION FURNISHED IN THIS REPORT ON FORM 6-K AND THE STATEMENTS REGARDING OUR EARNINGS FORECAST UNDER THE CAPTION “3. EARNINGS FORECAST ON A CONSOLIDATED BASIS (FOR THE FISCAL YEAR ENDING MARCH 31, 2026).”

SIGNATURES

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

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

Date: July 31, 2025

July 31, 2025

Sumitomo Mitsui Financial Group, Inc.<br><br><br>Consolidated Financial Results for the three months ended June 30, 2025<br><br><br><Under Japanese GAAP>

Head Office: 1-2, Marunouchi 1-chome, Chiyoda-ku, Tokyo, Japan

Stock Exchange Listings: Tokyo Stock Exchange, Nagoya Stock Exchange, New York Stock Exchange

URL: https://www.smfg.co.jp/english/

President: Toru Nakashima

Investors meeting presentation for financial results: Scheduled

Note: Amounts less than one million yen have been rounded down.

Consolidated financial results (for the three months ended June 30, 2025)

(1) Operating results

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

					Ordinary profit			Profit attributable to<br>owners of parent
Three months ended June 30, 2025			2,444,404	)%	¥	483,337	)%	¥	376,898	1.5	%
Three months ended June 30, 2024			2,522,567			520,888			371,355	49.7
Notes:	1.	Comprehensive income:
		(a) for the three months ended June 30, 2025: 303,569 million [(42.6)%]
		(b) for the three months ended June 30, 2024: 528,541 million [(39.1)%]
	2.	Percentages shown in ordinary income, ordinary profit, profit attributable to owners of parent and comprehensive income are an increase (decrease) from the same period in the previous fiscal year.
					Earnings per share<br><br><br>(Diluted)
Three months ended June 30, 2025			97.46			97.44
Three months ended June 30, 2024			94.36			94.34
Note:	On October 1, 2024, Sumitomo Mitsui Financial Group, Inc. (“the Company”) executed a<br>three-for-one split of its common stock, with a record date of September 30, 2024. Earnings per share and Earnings per share (Diluted) reflect the impact of the<br>stock split.
(2) Financial position
					(Millions of yen, except percentages)
					Net assets			Net assets ratio
As of June 30,<br>2025			298,919,970			14,607,943			4.8%
As of March 31, 2025			306,282,015			14,841,509			4.8
Notes:	1.	Stockholders’ equity:
		(a) as of June 30, 2025: 14,471,936 million (b) as of March 31, 2025: 14,703,435 million
	2.	Net assets ratio = {(Net assets – stock acquisition rights – non-controlling interests) / total assets} X 100

All values are in Japanese Yen.

Dividends on common stock

(Yen)

	Cash dividends per share
	1st quarter
Fiscal year ended March 31,<br>2025		—	180.00	—	62.00	¥ —
Fiscal<br>year ending March 31, 2026		—
Fiscal<br>year ending March 31, 2026 (Forecast)			68.00	—	68.00	136.00

All values are in Japanese Yen.

Notes:	1.	Dividend forecast remains unchanged.
	2.	On October 1, 2024, the Company executed a three-for-one split of its common stock, with a record date of September 30, 2024. Cash dividends per share for 4th quarter reflect the impact of the stock split, and annual cash dividends per share are<br>stated as “—.” If the stock split is not taken into account, 4th quarter and annual cash dividends per share would have been ¥186 and ¥366, respectively.

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

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

	Profit <br>attributable to owners of parent		Earnings per <br>share
Fiscal year ending<br>March 31, 2026	¥ 1,300,000	10.4%	¥ 338.00
Notes:	1.	Earnings forecast remains unchanged.
---	---	---
	2.	Percentage shown in profit attributable to owners of parent is an increase (decrease) from the previous fiscal<br>year.
	3.	Forecasted earnings per share are calculated by dividing forecasted profit attributable to owners of parent by the<br>number of issued common stock (excluding treasury stock) as of June 30, 2025. The number of issued common stock (excluding treasury stock) takes into account the impact of the repurchase of its own shares resolved by the Company at the Board of<br>Directors meeting held on May 14, 2025.

[Notes]
(1) There were no changes in material consolidated subsidiaries during the<br>period.
(2) Special accounting methods used for preparing quarterly consolidated financial<br>statements were adopted.
Note: For more details, see page 5 “3. Notes to quarterly consolidated financial<br>statements.”
(3) Changes in accounting policies, changes in accounting estimates and<br>restatements
(a) Changes in accounting policies due to the application of new or revised accounting standards	: No
(b) Changes in accounting policies due to reasons other than above (a)	: No
(c) Changes in accounting estimates	: No
(d) Restatements	: No
(4) Number of shares issued (common stock)
	As of June 30, 2025	As of March 31, 2025
---	---	---
(a) Number of shares issued (including treasury stock)	3,884,445,458 shares	3,884,445,458 shares
(b) Number of treasury stock	28,233,300 shares	10,651,848 shares
	Three months ended <br>June 30, 2025	Three months ended <br>June 30, 2024
(c) Average number of shares issued during the period	3,867,113,836 shares	3,935,334,950 shares
Notes:	1.	The Company has introduced a “Stock grant trust for employees” (hereinafter, the<br>“Trust”), and the shares of the Company held by the Trust are included in the number of treasury stock to be deducted when calculating both the number of treasury stock and the average number of shares issued during the<br>period.
---	---	---
	2.	On October 1, 2024, the Company executed a three-for-one split of its common stock, with a record date of September 30, 2024. The average number of shares issued during the period reflects the impact of the stock split.

[Note on quarterly review process]

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

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

Sumitomo Mitsui Financial Group, Inc.

Table of contents

I.	Consolidated operating results for the three months ended June 30, 2025 (fiscal 2025)	2
II.	Quarterly consolidated financial statements and main notes	3
1.	Quarterly consolidated balance sheets	3
2.	Quarterly consolidated statements of income and quarterly consolidated statements of comprehensive income	4
3.	Notes to quarterly consolidated financial statements	5
	Application of special accounting methods used for preparing quarterly consolidated<br> financial statements	5
	Notes to segment and other related information	6
	Material changes in stockholders’ equity	6
	Note on going concern	6
	Notes to quarterly consolidated statements of cash flows	7

* Appendix: Financial results for the three months ended June 30, 2025 supplementary information

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Sumitomo Mitsui Financial Group, Inc.

I. Consolidated operating results for the three monthsended June 30, 2025 (fiscal 2025)

The subject matter is described in the “Overview of 1Q FY3/2026” disclosed on July 31, 2025 (Thursday), which is available on our website at https://www.smfg.co.jp/english/investor/financial/latest_statement.html.

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

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Sumitomo Mitsui Financial Group, Inc.

II. Quarterly consolidated financial statements and mainnotes

1. Quarterly consolidated balance sheets

	Millions of yen
	March 31, 2025		June 30, 2025
Assets:
Cash and due from banks	¥	75,590,583	¥	72,273,625
Call loans and bills bought		5,197,978		5,429,032
Receivables under resale agreements		16,205,759		14,211,175
Receivables under securities borrowing transactions		5,799,821		4,787,194
Monetary claims bought		5,618,985		5,761,273
Trading assets		11,976,375		10,803,649
Money held in trust		32,272		28,246
Securities		40,760,968		39,302,081
Loans and bills discounted		111,136,239		112,724,213
Foreign exchanges		2,712,573		2,392,161
Lease receivables and investment assets		231,199		228,254
Other assets		13,722,960		13,908,119
Tangible fixed assets		1,006,556		1,010,342
Intangible fixed assets		1,017,322		994,389
Net defined benefit asset		987,288		1,004,114
Deferred tax assets		71,261		86,143
Customers’ liabilities for acceptances and guarantees		15,139,799		14,919,148
Reserve for possible loan losses		(925,931)		(943,195)
Total assets	¥	306,282,015	¥	298,919,970
Liabilities:
Deposits	¥	171,498,651	¥	170,639,529
Negotiable certificates of deposit		17,175,391		15,172,887
Call money and bills sold		4,378,276		3,115,977
Payables under repurchase agreements		25,797,136		24,090,573
Payables under securities lending transactions		2,183,655		1,759,713
Commercial paper		2,686,483		3,169,772
Trading liabilities		9,726,615		8,976,537
Borrowed money		11,355,209		11,089,454
Foreign exchanges		1,771,839		1,783,258
Short-term bonds		728,200		688,900
Bonds		13,352,392		13,474,205
Due to trust account		1,041,660		989,598
Other liabilities		13,700,199		13,533,243
Reserve for employee bonuses		130,464		48,296
Reserve for executive bonuses		5,433		—
Net defined benefit liability		33,890		34,453
Reserve for executive retirement benefits		1,007		860
Reserve for point service program		32,656		32,759
Reserve for reimbursement of deposits		5,573		4,813
Reserve for losses on interest repayment		242,127		238,083
Reserves under the special laws		5,365		5,564
Deferred tax liabilities		422,050		517,316
Deferred tax liabilities for land revaluation		26,424		27,076
Acceptances and guarantees		15,139,799		14,919,148
Total liabilities		291,440,506		284,312,026
Net assets:
Capital stock		2,345,960		2,345,960
Capital surplus		611,423		611,422
Retained earnings		8,290,170		8,198,084
Treasury stock		(38,512)		(102,148)
Total stockholders’ equity		11,209,042		11,053,319
Net unrealized gains (losses) on other securities		1,930,834		2,034,250
Net deferred gains (losses) on hedges		(168,604)		(114,983)
Land revaluation excess		32,849		31,802
Foreign currency translation adjustments		1,411,827		1,194,477
Accumulated remeasurements of defined benefit plans		287,487		273,070
Total accumulated other comprehensive income		3,494,393		3,418,616
Stock acquisition rights		767		645
Non-controlling interests		137,306		135,362
Total net assets		14,841,509		14,607,943
Total liabilities and net assets	¥	306,282,015	¥	298,919,970

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Sumitomo Mitsui Financial Group, Inc.

2. Quarterly consolidated statements of income and quarterlyconsolidated statements of comprehensive income

(Quarterly consolidated statements of income)

	Millions of yen
Three months ended June 30	2024		2025
Ordinary income	¥	2,522,567	¥	2,444,404
Interest income		1,750,588		1,712,446
Interest on loans and discounts		1,016,474		974,674
Interest and dividends on securities		219,802		225,701
Trust fees		2,157		2,731
Fees and commissions		445,825		473,019
Trading income		32,828		57,622
Other operating income		154,493		51,533
Other income		136,674		147,050
Ordinary expenses		2,001,679		1,961,067
Interest expenses		1,226,374		1,086,162
Interest on deposits		435,061		414,048
Fees and commissions payments		70,477		74,231
Trading losses		9,703		—
Other operating expenses		49,495		49,197
General and administrative expenses		592,407		599,674
Other expenses		53,220		151,801
Ordinary profit		520,888		483,337
Extraordinary gains		322		32
Extraordinary losses		3,031		1,795
Income before income taxes		518,178		481,574
Income taxes		144,796		102,242
Profit		373,382		379,331
Profit attributable to non-controlling interests		2,026		2,433
Profit attributable to owners of parent	¥	371,355	¥	376,898
(Quarterly consolidated statements of comprehensive income)
	Millions of yen
Three months ended June 30	2024		2025
Profit	¥	373,382	¥	379,331
Other comprehensive income (losses)		155,159		(75,762)
Net unrealized gains (losses) on other securities		(189,612)		106,845
Net deferred gains (losses) on hedges		(22,038)		54,707
Land revaluation excess		—		(776)
Foreign currency translation adjustments		323,673		(136,241)
Remeasurements of defined benefit plans		(7,154)		(14,459)
Share of other comprehensive income of affiliates		50,290		(85,837)
Total comprehensive income		528,541		303,569
Comprehensive income attributable to owners of parent		526,598		301,391
Comprehensive income attributable to non-controlling<br>interests		1,943		2,178

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Sumitomo Mitsui Financial Group, Inc.

3. Notes to quarterly consolidated financial statements

(Application of special accounting methods used for preparing quarterly consolidated financial statements)

The Company and certain domestic consolidated subsidiaries calculated tax expenses by multiplying Income before income taxes by an effective tax rate that was reasonably estimated by applying tax effect accounting to estimated Income before income taxes for the fiscal year ending March 31, 2026, including the period for the three months ended June 30, 2025. The amounts of Income taxes include Income taxes-deferred.

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Sumitomo Mitsui Financial Group, Inc.

(Notes to segment and other related information)

Information on profit and loss amount by reportable segment

	Millions of yen
Three months ended June 30, 2024	WholesaleBusinessUnit			RetailBusinessUnit			GlobalBusinessUnit			GlobalMarketsBusinessUnit			Head officeaccount andothers			Total
Consolidated gross profit	¥	204,100		¥	339,000		¥	353,200		¥	168,600		¥	(35,059	)	¥	1,029,841
General and administrative expenses		(82,400	)		(281,100	)		(234,500	)		(49,900	)		55,493			(592,407	)
Others		29,700			400			25,600			7,800			(32,105	)		31,395
Consolidated net business profit	¥	151,400		¥	58,300		¥	144,300		¥	126,500		¥	(11,671	)	¥	468,829
Notes:	1. Figures shown in parentheses represent a loss.
---	---
	2. “Others” includes equity in the profit and loss of affiliates and cooperated profit and loss based on internal managerial accounting.
	3. “Head office account and others” includes profit or loss to be eliminated as inter-segment transactions.
	Millions of yen
---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---
Three months ended June 30, 2025	WholesaleBusinessUnit			RetailBusinessUnit			GlobalBusinessUnit			GlobalMarketsBusinessUnit			Head officeaccount andothers			Total
Consolidated gross profit	¥	277,500		¥	354,900		¥	359,000		¥	156,600		¥	(60,238	)	¥	1,087,762
General and administrative expenses		(95,200	)		(280,700	)		(232,400	)		(50,300	)		58,926			(599,674	)
Others		37,000			300			58,100			8,600			(47,806	)		56,194
Consolidated net business profit	¥	219,300		¥	74,500		¥	184,700		¥	114,900		¥	(49,118	)	¥	544,282
Notes:	1. Figures shown in parentheses represent a loss.
---	---
	2. “Others” includes equity in the profit and loss of affiliates and cooperated profit and loss based on internal managerial accounting.
	3. “Head office account and others” includes profit or loss to be eliminated as inter-segment transactions.

Difference between total amount of consolidated net business profit by reportable segment and ordinary profit on quarterly consolidated statements of income (adjustment of difference)

Three months ended June 30, 2024	Millions of yen
Consolidated net business profit	¥	468,829
Other ordinary income (excluding equity in gains of affiliates)		105,279
Other ordinary expenses		(53,220	)
Ordinary profit on quarterly consolidated statements of income	¥	520,888

Note: Figures shown in parentheses represent a loss.

Three months ended June 30, 2025	Millions of yen
Consolidated net business profit	¥	544,282
Other ordinary income (excluding equity in gains of affiliates)		90,856
Other ordinary expenses		(151,801	)
Ordinary profit on quarterly consolidated statements of income	¥	483,337

Note: Figures shown in parentheses represent a loss.

(Material changes in stockholders’ equity)

Not applicable.

(Note on going concern)

Not applicable.

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Sumitomo Mitsui Financial Group, Inc.

(Notes to quarterly consolidated statements of cash flows)

Quarterly consolidated statements of cash flows were not prepared for the three months ended June 30, 2025. “Depreciation” (including amortization of intangible fixed assets other than goodwill) and “Amortization of goodwill” for the three months ended June 30, 2024 and 2025, were as follows:

	Millions of yen
Three months ended June 30	2024		2025
Depreciation	¥	62,528	¥	61,807
Amortization of goodwill		7,215		6,529

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Sumitomo Mitsui Financial Group

Financial results

for the three months

ended June 30, 2025

Supplementary information -

	Table of contents
1.	Operating results	Consolidated	Non-consolidated	…	1
2.	Interest spread (domestic)		Non-consolidated	…	3
3.	Non-performing loans (NPLs) based on<br> the Banking Act and the Reconstruction Act	Consolidated	Non-consolidated	…	3
4.	Unrealized gains (losses) on securities	Consolidated	Non-consolidated	…	4
5.	Deposits and loans		Non-consolidated	…	5

Notes

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

Non-consolidated : Non-consolidated figures of Sumitomo Mitsui Banking Corporation (“SMBC”)
Capital ratio as of June 30, 2025 will be announced when it is fixed.

Sumitomo Mitsui Financial Group

1. Operating results

Consolidated						(Millions of yen)
				Three monthsendedJune 30, 2025 (A)	Change<br> (A) - (B)	Three months<br>ended<br>June 30, 2024 (B)
Consolidated gross profit			1	1,087,762	57,921	1,029,841
	Net interest income		2	626,284	102,071	524,213
	Trust fees		3	2,731	574	2,157
	Net fees and commissions		4	398,788	23,440	375,348
	Net trading income		5	57,622	34,498	23,124
	Net other operating income		6	2,336	(102,662)	104,998
General and administrative expenses			7	(599,674)	(7,267)	(592,407)
Equity in gains (losses) of affiliates			8	56,194	24,799	31,395
Consolidated net business profit			9	544,282	75,453	468,829
Total credit cost			10	(75,645)	(46,443)	(29,202)
	Credit costs		11	(82,701)	(47,070)	(35,631)
		Write-off of<br>loans	12	(39,566)	(10,636)	(28,930)
		Provision for reserve for possible loan losses	13	(36,151)	(36,151)	—
		Others	14	(6,982)	(282)	(6,700)
	Gains on reversal of reserve for possible loan losses		15	—	(2,061)	2,061
	Recoveries of<br>written-off claims		16	7,056	2,689	4,367
Gains (losses) on stocks			17	41,054	(41,279)	82,333
Other income (expenses)			18	(26,354)	(25,283)	(1,071)
Ordinary profit			19	483,337	(37,551)	520,888
Extraordinary gains (losses)			20	(1,762)	947	(2,709)
	Gains (losses) on disposal of fixed<br>assets		21	(1,056)	1,249	(2,305)
	Losses on impairment of fixed assets		22	(508)	(426)	(82)
Income before income taxes			23	481,574	(36,604)	518,178
Income taxes			24	(102,242)	42,554	(144,796)
Profit			25	379,331	5,949	373,382
Profit attributable to non-controlling interests			26	(2,433)	(407)	(2,026)
Profit attributable to owners of parent			27	376,898	5,543	371,355
Notes: 1. Amounts less than<br>1 million yen are rounded down. Figures in parentheses indicate the amount of loss or decrease.
2. Consolidated gross profit = (Interest income - Interest expenses)<br>+ Trust fees + (Fees and commissions - Fees and commissions payments)<br> <br>+ (Trading income -<br>Trading losses) + (Other operating income - Other operating expenses)<br> <br>3. The amount of<br>Income taxes includes income taxes-deferred.
		Number of consolidated subsidiaries and affiliates
				June 30, 2025		March 31, 2025
					Change
		Consolidated subsidiaries	28	173	1	172
		Equity method affiliates	29	266	22	244

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Sumitomo Mitsui Financial Group

SMBC non-consolidated						(Millions of yen)
				Three monthsended<br><br><br>June 30, 2025 (A)	Change<br> (A) - (B)	Three months<br>ended<br>June 30, 2024 (B)
Gross banking profit			1	578,464	58,985	519,479
	Net interest income		2	416,055	97,676	318,379
	Trust fees		3	1,092	313	779
	Net fees and commissions		4	131,653	4,198	127,455
	Net trading income		5	21,169	58,635	(37,466)
	Net other operating income		6	8,492	(101,839)	110,331
	Gains (losses) on bonds		7	14,371	4,354	10,017
Expenses (excluding non-recurring losses)			8	(271,909)	(4,581)	(267,328)
	Personnel expenses		9	(112,640)	542	(113,182)
	Non-personnel expenses		10	(142,252)	(6,177)	(136,075)
	Taxes		11	(17,016)	1,054	(18,070)
Banking profit (before provision for general reserve for possible loan losses)			12	306,554	54,403	252,151
Gains (losses) on bonds			13	14,371	4,354	10,017
	Core banking profit (12-13)		14	292,183	50,050	242,133
		excluding gains (losses) on cancellation of<br>investment trusts	15	272,970	52,606	220,364
Provision for general reserve for possible loan losses			16	(1,049)	(1,049)	—
Banking profit			17	305,505	53,354	252,151
Non-recurring gains (losses)			18	32,850	(87,179)	120,029
	Credit costs		19	(7,058)	(6,320)	(738)
	Gains on reversal of reserve for possible loan<br>losses		20	—	(29,854)	29,854
	Recoveries of<br>written-off claims		21	2,685	2,685	—
	Gains (losses) on stocks		22	59,501	(22,582)	82,083
		Gains on sales of stocks	23	70,801	(18,381)	89,182
		Losses on sales of stocks	24	(7,188)	(7,127)	(61)
		Losses on devaluation of stocks	25	(4,111)	2,926	(7,037)
	Other<br>non-recurring gains (losses)		26	(22,277)	(31,106)	8,829
Ordinary profit			27	338,355	(33,825)	372,180
Extraordinary gains (losses)			28	(1,482)	736	(2,218)
	Gains (losses) on disposal of fixed<br>assets		29	(979)	1,191	(2,170)
	Losses on impairment of fixed assets		30	(503)	(455)	(48)
Income before income taxes			31	336,872	(33,090)	369,962
Income taxes			32	(83,305)	25,157	(108,462)
Net income			33	253,567	(7,932)	261,499
Total credit cost (16+19+20+21)			34	(5,423)	(34,538)	29,115
	Provision for general reserve for possible loan<br>losses		35	(1,049)	(30,163)	29,114
	Write-off of loans		36	(4)	533	(537)
	Provision for specific reserve for possible loan<br>losses		37	(7,411)	(8,078)	667
	Losses on sales of delinquent loans		38	(785)	(585)	(200)
	Provision for loan loss reserve for specific<br>overseas countries		39	1,143	1,071	72
	Recoveries of written-off claims		40	2,685	2,685	—
Notes:	1. Amounts less than 1 million yen are rounded down. Figures in parentheses indicate the amount of loss or<br>decrease.
---	---
	2. The amount of Income taxes includes income taxes-deferred.

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Sumitomo Mitsui Financial Group

2. Interest spread (domestic)

SMBC non-consolidated			(%)
	Three months endedJune 30, 2025 (A)		Three months<br><br><br>ended June 30, 2024 (B)
		Change<br> (A) - (B)
Interest<br>earned on loans and bills discounted (a)	1.26	0.34	0.92
Interest paid on deposits, etc. (b)	0.18	0.17	0.01
Interest spread (a) - (b)	1.08	0.17	0.91
Reference: The figures below exclude loans to the Japanese government, among others.
Interest<br>earned on loans and bills discounted (c)	1.27	0.33	0.94
Interest spread (c) - (b)	1.09	0.16	0.93

3. Non-performingloans (NPLs) based on the Banking Act and the Reconstruction Act

Consolidated						(Billions of yen)
				June 30, 2025		March 31, 2025
					Change from March 31, 2025
	Bankrupt and quasi-bankrupt loans		1	91.2	16.0	75.2
	Doubtful loans		2	491.2	36.4	454.8
	Substandard loans		3	431.7	80.0	351.7
		Past due loans (3 months or more)	4	78.7	17.9	60.8
		Restructured loans	5	353.1	62.2	290.9
	Total (A)		6	1,014.1	132.4	881.7
	Normal assets		7	130,905.2	824.4	130,080.8
	Grand total<br>(B)		8	131,919.4	956.9	130,962.5
						(%)
	NPL ratio (A/B)		9	0.77	0.10	0.67
	Amount of direct reduction			251.0	8.0	243.0
SMBCnon-consolidated						(Billions of yen)
				June 30, 2025		March 31, 2025
					Change from March 31, 2025
	Bankrupt and quasi-bankrupt loans		10	53.5	(2.3)	55.8
	Doubtful loans		11	334.9	11.5	323.5
	Substandard loans		12	229.0	71.8	157.2
		Past due loans (3 months or more)	13	23.1	1.4	21.7
		Restructured loans	14	206.0	70.4	135.6
	Total (A)		15	617.5	81.0	536.5
	Normal assets		16	123,760.9	890.5	122,870.5
	Grand total<br>(B)		17	124,378.4	971.5	123,406.9
						(%)
	NPL ratio (A/B)		18	0.50	0.07	0.43
	Amount of direct reduction			193.4	(4.4)	197.8

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Sumitomo Mitsui Financial Group

4. Unrealized gains (losses) on securities

Consolidated											(Billions of yen)
					June 30, 2025					March 31, 2025
					Balance sheet amount	Net<br>unrealized gains (losses)				Balance sheet <br> amount	Net unrealized gains (losses)
							Change<br>from March 31, 2025	Gains	Losses
	Held-to-maturity securities			1	631.7	(2.8)	3.4	1.9	4.7	274.4	(6.2)
	Other securities			2	38,328.6	2,988.2	182.1	3,663.0	674.9	39,776.8	2,806.0
		Stocks		3	3,100.7	2,034.9	73.9	2,039.5	4.6	3,045.2	1,960.9
		Bonds		4	11,521.1	(134.8)	10.0	7.7	142.5	13,893.5	(144.8)
			Japanese government bonds	5	8,905.9	(49.7)	2.7	0.8	50.5	11,180.5	(52.4)
		Others		6	23,706.9	1,088.1	98.2	1,615.9	527.8	22,838.1	989.9
			Foreign bonds	7	18,656.4	(370.4)	78.7	106.2	476.6	17,424.7	(449.1)
	Other money held in trust			8	0.5	—	—	—	—	0.5	—
	Total			9	38,960.9	2,985.4	185.5	3,665.0	679.6	40,051.7	2,799.8
			Stocks	10	3,100.7	2,034.9	73.9	2,039.5	4.6	3,045.2	1,960.9
			Bonds	11	12,152.8	(137.6)	13.4	9.6	147.2	14,167.9	(151.0)
			Others	12	23,707.4	1,088.1	98.2	1,615.9	527.8	22,838.6	989.9
SMBC non-consolidated											(Billions of yen)
					June 30, 2025					March 31, 2025
					Balance sheet amount	Net<br>unrealized gains (losses)				Balance sheet <br>amount	Net unrealized gains (losses)
						Change from March 31, 2025		Gains	Losses
	Held-to-maturity securities			13	319.6	0.9	2.1	1.9	1.0	22.3	(1.2)
	Stocks of subsidiaries and affiliates			14	4,909.8	(95.0)	(24.9)	2.4	97.4	5,009.8	(70.1)
	Other securities			15	32,022.3	1,935.9	161.5	2,599.1	663.1	33,564.6	1,774.4
		Stocks		16	2,721.9	1,868.3	51.1	1,872.8	4.5	2,693.6	1,817.2
		Bonds		17	11,459.8	(131.1)	9.8	7.7	138.8	13,835.1	(140.9)
			Japanese government bonds	18	8,905.9	(49.7)	2.7	0.8	50.5	11,180.5	(52.4)
		Others		19	17,840.6	198.7	100.6	718.6	519.8	17,035.9	98.2
			Foreign bonds	20	13,855.9	(392.7)	66.2	76.2	468.9	12,711.0	(458.9)
	Total			21	37,251.8	1,841.8	138.6	2,603.4	761.5	38,596.7	1,703.2
			Stocks	22	3,016.2	1,870.7	51.8	1,875.2	4.5	2,987.9	1,818.9
			Bonds	23	11,779.4	(130.2)	11.9	9.6	139.8	13,857.4	(142.1)
			Others	24	22,456.1	101.3	74.9	718.6	617.2	21,751.3	26.4
Notes:	1.	The figures above include negotiable certificates of deposit in “Cash and due from banks” and beneficiary claims on loan trust in “Monetary claims bought.”
---	---	---
	2.	Net unrealized gains (losses) are measured based on the market prices of securities as of the balance sheet date.
	3.	Other securities and Other money held in trust are measured at market prices. Unrealized gains (losses) indicate the difference between the acquisition costs (or amortized costs) and the balance sheet amounts.

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Sumitomo Mitsui Financial Group

5. Deposits and loans

SMBC non-consolidated				(Billions of yen)
		June 30, 2025		March 31, <br>2025
			Change from<br><br><br>March 31, 2025
Domestic deposits		130,962.9	138.6	130,824.3
	Individual	61,775.4	556.3	61,219.1
Note : The figures above exclude negotiable certificates of deposit and offshore banking<br>accounts in Japan.
Loans and bills discounted		106,279.2	1,763.6	104,515.6
	Domestic offices (excluding offshore banking<br>accounts)	68,729.1	1,284.0	67,445.1
	Overseas offices and<br>offshore banking accounts	37,550.1	479.6	37,070.5

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