Slides
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Copyright © 2026 Sumitomo Mitsui Financial Group. All Rights Reserved. ファンクショナル オレンジ 238:120:0 245:174:102 250:215:179 トラッドグリーン 0:72:49 102:145:131 179:200:194 フレッシュグリーン 196:215:0 220:231:102 237:243:179 ファンクショナル グリーン 160:200:30 198:222:120 227:239:188 国際 R：0 G：165 B：168 リテール R：0 G：169 B：95 ホールセール R：156 G：202 B：84 市場 R：18 G：184 B：214 Globally connected. Rooted in Japan. Your most trusted partner. Overview of 1Q FY3/2027 July 31, 2026
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Copyright © 2026 Sumitomo Mitsui Financial Group. All Rights Reserved. ファンクショナル オレンジ 238:120:0 245:174:102 250:215:179 トラッドグリーン 0:72:49 102:145:131 179:200:194 フレッシュグリーン 196:215:0 220:231:102 237:243:179 ファンクショナル グリーン 160:200:30 198:222:120 227:239:188 国際 R：0 G：165 B：168 リテール R：0 G：169 B：95 ホールセール R：156 G：202 B：84 市場 R：18 G：184 B：214 Financial Highlights ◆ Both consolidated net business profit and bottom-line profit increased by more than +JPY 100bn, with progress rate reaching approximately 30%. ◆ Profit growth was driven by solid domestic performance and higher GM earnings amid a favorable environment, while GB profit declined due to selective deal origination to enhance profitability. ◆ The anticipated negative impact of Middle East-related risks has not yet materialized. Pursue upside, supported by factors such as higher interest rates in Japan and core business growth. 544.3 (JPY bn) Consolidated net business profit 722.3 Net business profit +125 (JPY bn) Others Credit cost (1) Gains on stocks +24 501.4 376.9 Assumption in FY3/27 Jun.26 Policy rate Japan 0.75％ 1.0％ FX USD(JPY) 150 162.39 Bottom-line profit Market indicators 1,700 Progress 29% +178.0 o/w environmental factor: +55 ( interest rate: +30 and FX: +25) RT +45.6 WS +49.7 GB (37.4) GM +63.9 Others 1Q FY3/26 1Q FY3 /27 1Q FY3/26 1Q FY3 /27 FY3 /27 Target 2,400 FY3 /27 Target Progress 30% 1
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Copyright © 2026 Sumitomo Mitsui Financial Group. All Rights Reserved. ファンクショナル オレンジ 238:120:0 245:174:102 250:215:179 トラッドグリーン 0:72:49 102:145:131 179:200:194 フレッシュグリーン 196:215:0 220:231:102 237:243:179 ファンクショナル グリーン 160:200:30 198:222:120 227:239:188 国際 R：0 G：165 B：168 リテール R：0 G：169 B：95 ホールセール R：156 G：202 B：84 市場 R：18 G：184 B：214 (JPY bn) 1 Gross profit 1,403.4 +315.7 G&A expenses 712.2 +112.5 Overhead ratio 50.7% (4.4)% 3 Equity in gains (losses) of affiliates 31.1 (25.1) 4 +178.0 5 Total credit cost 74.8 (0.9) 340 6 Gains (losses) on stocks 75.5 +34.4 7 Other income (expenses) (29.9) (3.5) 8 Ordinary profit 693.1 +209.8 2,390 9 Extraordinary gains (losses) (1.6) +0.1 10 Income taxes 185.5 +83.2 +124.5 12 ROTE 13.8% +2.5% 13 ROE incl. OCI *2 12.6% +2.3% 14 ROE*3 17.1% +3.5% 11 1Q FY3/27 YoY FY3/27 target 2 2,400 1,700Net income Net business profit 722.3 501.4 30% 29% Progress Income Statement ⚫ Gross profit: increased YoY due to 1) increase of net interest income in domestic market 2) increase of fee income in domestic wholesale business, and 3) good performance in wealth management business, payment business and consumer finance. Impact of FX*1: +52 ⚫ G&A expenses: increased YoY mainly due to inflation and higher variable marketing costs, while the overhead ratio significantly improved on top-line growth. Impact of FX*1: +28 ⚫ Equity in gains of affiliates: decreased YoY due to absence of the insurance proceeds at SMBCAC: (13), and profit from removing Bank of East Asia from equity method affiliates. Impact of FX*1: +1 ⚫ Total credit cost: controlled in line with full-year forecast, while Middle East-related risks have not yet materialized. ⚫ Gains on stocks: increased YoY due to absence of the loss on Bank of East Asia share sale: +28, and gains on sales of ETFs in a favorable equity market environment: +46 (YoY 32), while gains on sales of equity holdings decreased: + 39 (YoY (22)). *1 Impact of FX on SMBC overseas branch: transaction date rate, overseas subsidiary: end-of-period rate *2 Denominator: Shareholder’s equity + total accumulated other comprehensive income *3 Based on shareholder’s equity 2
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Copyright © 2026 Sumitomo Mitsui Financial Group. All Rights Reserved. ファンクショナル オレンジ 238:120:0 245:174:102 250:215:179 トラッドグリーン 0:72:49 102:145:131 179:200:194 フレッシュグリーン 196:215:0 220:231:102 237:243:179 ファンクショナル グリーン 160:200:30 198:222:120 227:239:188 国際 R：0 G：165 B：168 リテール R：0 G：169 B：95 ホールセール R：156 G：202 B：84 市場 R：18 G：184 B：214 (left : results of 1Q FY3/27 / right : YoY) (JPY bn) Gross profit 177.9 +49.0 231.4 +17.8 21.2 +3.8 Expenses 128.6 +19.1 173.1 +17.0 11.4 +0.5 Net business profit 49.3 +29.8 58.8 (1.7) 9.7 +3.3 Net income 37.1 +17.5 14.5 (17.8) 6.8 +0.7 (Equity method affiliate) Gross profit 14.3 +4.0 95.3 (1.6) Expenses 9.0 +1.1 43.9 +1.0 Net business profit 5.3 +2.9 52.3 (4.4) Net income 1.9 +1.1 25.4 (15.9) SMBC Nikko SMDAM SMFL SMCC SMBC Trust ( J ( J ( J (JPY bn) 1 795.1 +216.7 2 575.6 +159.6 3 o/w Gains (losses) on cancellation o/w of investment trusts 59.6 +40.4 4 395.3 +140.7 5 180.3 +18.8 6 151.7 +20.1 7 56.1 +1.0 8 95.6 +19.0 9 66.7 +37.0 10 o/w Gains (lossses) on bonds (19.8) (34.1) 11 328.3 +56.4 12 466.8 +160.3 13 13.9 +8.5 14 72.7 +13.2 15 (4.8) +17.5 16 376.6 +123.0 Gross banking profit o/w Net interest income 1Q FY3/27 YoY Domestic Overseas o/w Net fees and commissions Domestic Overseas o/w Net trading income o/w Net other operating income Expenses Banking profit Total credit cost Gains (losses) on stocks Extraordinary gains (losses) Net income (Ref.) Group Companies ▶ SMBC ▶ Other Major Group Companies *1 *3 50% *2 50% *1 Incl. profits from SMBC Nikko America and SMBC Capital Markets (managerial accounting basis) *2 Incl. SMBCCF *3 Managerial accounting basis *2 3
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Copyright © 2026 Sumitomo Mitsui Financial Group. All Rights Reserved. ファンクショナル オレンジ 238:120:0 245:174:102 250:215:179 トラッドグリーン 0:72:49 102:145:131 179:200:194 フレッシュグリーン 196:215:0 220:231:102 237:243:179 ファンクショナル グリーン 160:200:30 198:222:120 227:239:188 国際 R：0 G：165 B：168 リテール R：0 G：169 B：95 ホールセール R：156 G：202 B：84 市場 R：18 G：184 B：214 *1 +25bps increase in both short-term and long-term rate, deposit rate based on historical results *2 Negative interest rate policy FY3/27: +JPY 180bn YoY from higher interest rates, including +JPY 80bn from the recent hike in June 2026. Further upside from loan volume growth, spread expansion, and JGB portfolio optimization. Impact of Rising JPY Interest Rates for every +25bps 110 120 150 110 120 150 30 110 150 80 150 FY3/26 FY3/27 FY3/32 Impact on NII ⇒50bps (Jan.25) Lift of the NIRP*2 (Mar.24) ⇒25bps (Jul.24) ⇒75bps (Dec.25) Policy rate Upside Year 1 Year 5 +JPY 110bn*1 +JPY 150bn*1 +180 JPY B/S as of Jun.26 Investment Funding Loans 70 Deposits 135 Floating rate 40 Saving 90 Fixed rate 20 Time 30 Prime rate 10 Current 15 Market operation 60 BOJ’s current account 50 Short-term JGB 1 Mid- to long-term JGB 9 Others 20 Others 15 Yen swap, etc. Capital funding Market funding • Loan volume growth, spread expansion • JGB portfolio optimization (JPY tn) (JPY bn) ⇒100bps (Jun.26) o/w 1Q +30 The impact of rate hike in June. 4
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Copyright © 2026 Sumitomo Mitsui Financial Group. All Rights Reserved. ファンクショナル オレンジ 238:120:0 245:174:102 250:215:179 トラッドグリーン 0:72:49 102:145:131 179:200:194 フレッシュグリーン 196:215:0 220:231:102 237:243:179 ファンクショナル グリーン 160:200:30 198:222:120 227:239:188 国際 R：0 G：165 B：168 リテール R：0 G：169 B：95 ホールセール R：156 G：202 B：84 市場 R：18 G：184 B：214 29.7 66.7 22.2 44.0 10.0 12.7 7.0 7.6 60.0 134.4 1Q FY3/26 1Q FY3/27 131.7 151.7 43.2 52.2 66.0 104.4 142.1 154.7 398.8 473.8 1Q FY3/26 1Q FY3/27 19.2 59.6 89.5 95.1 64.6 69.1 28.9 35.1 626.3 791.9 1Q FY3/26 1Q FY3/27 (JPY bn) 416.1 575.6 Net interest income increased by loan growth and higher interest rates. Fee income also increased due to robust corporate activities and higher transaction volumes from Olive. Gross Profit ▶ Net Interest Income ▶ Net Fees and Commissions ▶ Net Trading Income + Net Other Operating Income *1 Incl. SMBCCF *2 Gains on cancellation of investment trusts *2 *2 SMBC SMBC Nikko SMCC*1 OthersOverseas banking subsidiaries SMICC 5
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Copyright © 2026 Sumitomo Mitsui Financial Group. All Rights Reserved. ファンクショナル オレンジ 238:120:0 245:174:102 250:215:179 トラッドグリーン 0:72:49 102:145:131 179:200:194 フレッシュグリーン 196:215:0 220:231:102 237:243:179 ファンクショナル グリーン 160:200:30 198:222:120 227:239:188 国際 R：0 G：165 B：168 リテール R：0 G：169 B：95 ホールセール R：156 G：202 B：84 市場 R：18 G：184 B：214 (Ref.) Net Interest Income (SMBC) ▶ Domestic ▶ Overseas ⚫ Income from loans and deposits increased due to improved loan-to-deposit spread by higher interest rates and loan growth. ⚫ Loan balances declined excluding FX impact but increased in JPY . Income from loans and deposits decreased due to interest rate cuts and growth in deposit volumes. (JPY bn) (JPY bn) 6
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Copyright © 2026 Sumitomo Mitsui Financial Group. All Rights Reserved. ファンクショナル オレンジ 238:120:0 245:174:102 250:215:179 トラッドグリーン 0:72:49 102:145:131 179:200:194 フレッシュグリーン 196:215:0 220:231:102 237:243:179 ファンクショナル グリーン 160:200:30 198:222:120 227:239:188 国際 R：0 G：165 B：168 リテール R：0 G：169 B：95 ホールセール R：156 G：202 B：84 市場 R：18 G：184 B：214 1Q YoY 1Q 2Q 3Q 4Q 1.61 +0.35 1.26 1.30 1.34 1.47 Interest paid on deposits, etc. 0.30 +0.12 0.18 0.19 0.19 0.26 Loan-to-deposit spread 1.31 +0.23 1.08 1.11 1.15 1.21 FY3/27 FY3/26 Interest earned on loans and bills discounted (%) 69.6 +4.9 0.68 +0.02 28.8 +4.4 0.59 +0.03 24.1 +1.5 0.69 +0.02 12.0 (0.2) 1.11 +0.02 347.3 (19.5) USD bn USD bn Balance (JPY tn) Spread (%) 1Q FY3/27 YoY*4 1Q FY3/27 YoY Domestic loans o/w Large corporations o/w Mid-sized corporations & SMEs o/w Individuals GBU's interest earning assets *3 +0.011.43 Loans*1 ▶ Loan Balance ▶ Domestic Loan-to-Deposit Spread ▶ Average Loan Balance and Spread*2 *1 SMBC *2 Managerial accounting basis *3 Sum of SMBC, Major local subsidiaries and SMBC Trust, etc. Sum of loans, trade bills, and securities. The spread shows the difference with the cost of funds *4 After adjustments for FX rates, etc. 7
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Copyright © 2026 Sumitomo Mitsui Financial Group. All Rights Reserved. ファンクショナル オレンジ 238:120:0 245:174:102 250:215:179 トラッドグリーン 0:72:49 102:145:131 179:200:194 フレッシュグリーン 196:215:0 220:231:102 237:243:179 ファンクショナル グリーン 160:200:30 198:222:120 227:239:188 国際 R：0 G：165 B：168 リテール R：0 G：169 B：95 ホールセール R：156 G：202 B：84 市場 R：18 G：184 B：214 0.3% 0.4% 0.5% 0.6% 0.7% 0.8% 1Q 2 3 4 1 2 3 4 1 2 3 4 1 Large corporations Mid-sized corporations and SMEs FY3/27FY3/24 FY3/25 FY3/26 18 20 22 24 26 28 30 1Q 2 3 4 1 2 3 4 1 2 3 4 1 Large corporations Mid-sized corporations and SMEs FY3/24 FY3/25 FY3/26 FY3/27 (JPY tn) Loan balances grew on strong funding demand, supported by major deals with large corporate clients. Retail deposits increased, driven by Olive, while corporate deposits grew by capturing surplus funds from large clients. Domestic Loans and Deposits*1 ▶ Loan Balance*2,3 ▶ Deposit Balance ▶ Loan Average Balance for Corporates*2,4 ▶ Loan Spread for Corporates*2,5 *1 SMBC *2 Managerial accounting basis *3 Changed the definition of mid-sized corporations and SMEs from Sep.25. The figures before Sep.25 have been adjusted retrospectively *4 Quarterly average (excl. loans to the Japanese government). Figures for SMEs are the outstanding balance of Corporate banking division *5 Loan spread of existing loans (excl. loans to the Japanese government) 8
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Copyright © 2026 Sumitomo Mitsui Financial Group. All Rights Reserved. ファンクショナル オレンジ 238:120:0 245:174:102 250:215:179 トラッドグリーン 0:72:49 102:145:131 179:200:194 フレッシュグリーン 196:215:0 220:231:102 237:243:179 ファンクショナル グリーン 160:200:30 198:222:120 227:239:188 国際 R：0 G：165 B：168 リテール R：0 G：169 B：95 ホールセール R：156 G：202 B：84 市場 R：18 G：184 B：214 0.0% 2.0% 4.0% 6.0% 8.0% 1Q 2 3 4 1 2 3 4 1 2 3 4 1 Yield of loans and bills discounted Yield of deposits Loan to deposit spread FY3/24 FY3/25 FY3/26 FY3/27 90 86 82 89 81 113 122 123 129 126 82 86 84 89 84 285 295 289 307 291 Mar.24 Mar.25 Mar.26 Jun.25 Jun.26 Asia Americas EMEA(USD bn) YoY excl. FX impact (7)% (2)% (4)% (4)% Loan balance decreased due to the reduction of low-return assets and selective origination of new deals, while we remain focused on profitability. Overseas Loans and Deposits*1 ▶ Loan Balance ▶ Loan Spread*2,3 ▶ Loan to Deposit Spread *1 Managerial accounting basis. Sum of SMBC and Major local subsidiaries *2 Quarterly average loan spread of existing loans *3 Changed the definition from FY3/25. The figures before have been adjusted retrospectively 9
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Copyright © 2026 Sumitomo Mitsui Financial Group. All Rights Reserved. ファンクショナル オレンジ 238:120:0 245:174:102 250:215:179 トラッドグリーン 0:72:49 102:145:131 179:200:194 フレッシュグリーン 196:215:0 220:231:102 237:243:179 ファンクショナル グリーン 160:200:30 198:222:120 227:239:188 国際 R：0 G：165 B：168 リテール R：0 G：169 B：95 ホールセール R：156 G：202 B：84 市場 R：18 G：184 B：214 344.5 388.4 340 75.6 74.8 150.8 86.0 90 5.4 13.9 FY3/25 FY3/26 FY3/27 forecast 1Q FY3/26 1Q FY3/27 (12bp) (7bp) (JPY bn) SMCC 38 +3 o/w SMBCCF 23 +3 Overseas banking subsidiaries 17 (5) SMICC 12 +0 1Q FY3/27 YoY 1,023.1 881.7 1,349.3 1,148.9 630.0 536.5 919.3 727.5 0.81% 0.67% 0.97% 0.81% 0.52% 0.43% 0.71% 0.54% Mar.24 Mar.25 Mar.26 Jun.26 Non-performing loan balance*2 Claims on borrowers requiring caution (excl. claims to substandard borrowers) Total claims Asset Quality ▶ Credit Costs ▶ Non-Performing Loan Ratio*1 and Balance Consolidated SMBC Consolidated SMBC (JPY tn) (JPY bn) (JPY tn) Major group companies (JPY bn) (JPY bn) *1 NPL ratio = NPLs based on the Banking Act and the Reconstruction Act (excl. normal assets) / Total claims *2 Managerial accounting basis 10
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Copyright © 2026 Sumitomo Mitsui Financial Group. All Rights Reserved. ファンクショナル オレンジ 238:120:0 245:174:102 250:215:179 トラッドグリーン 0:72:49 102:145:131 179:200:194 フレッシュグリーン 196:215:0 220:231:102 237:243:179 ファンクショナル グリーン 160:200:30 198:222:120 227:239:188 国際 R：0 G：165 B：168 リテール R：0 G：169 B：95 ホールセール R：156 G：202 B：84 市場 R：18 G：184 B：214 Jun.26 vs Mar.26 Jun.26 vs Mar.26 6,024.9 +1,369.6 (268.5) (89.8) 33,275.5 (1,526.8) 3,443.2 +223.0 Stocks (domestic) 3,699.0 +195.7 2,696.9 +199.7 Bonds (domestic) 6,399.9 (1,156.8) (319.1) (47.9) o/w JGBs 4,400.9 (1,075.6) (162.9) (42.4) Others 23,176.6 (565.7) 1,065.5 +71.2 o/w Foreign bonds 18,006.1 (528.7) (343.6) (43.1) (JPY bn) B/S amount Unrealized gains (losses) Held-to-maturity Available for sale *1 The main difference between foreign bonds and others is unrealized gain on foreign stocks *2 Managerial accounting basis (excl. bonds classified as held-to-maturity, bonds for which hedge-accounting is applied, and private placement bonds) *3 Excl. held-to-maturity Securities ▶ Breakdown of Other Securities (Consolidated) ▶ Yen-Denominated Bonds (SMBC) ▶ Foreign Bonds (SMBC) *1 ■1 year or less ■1 to 5 years ■5 to 10 years ■More than 10 years Risk volume is controlled by hedging and others (JPY bn) (JPY bn) 11
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Copyright © 2026 Sumitomo Mitsui Financial Group. All Rights Reserved. ファンクショナル オレンジ 238:120:0 245:174:102 250:215:179 トラッドグリーン 0:72:49 102:145:131 179:200:194 フレッシュグリーン 196:215:0 220:231:102 237:243:179 ファンクショナル グリーン 160:200:30 198:222:120 227:239:188 国際 R：0 G：165 B：168 リテール R：0 G：169 B：95 ホールセール R：156 G：202 B：84 市場 R：18 G：184 B：214 3.82 2.76 3.12 3.31 Apr.01 Mar.24 Mar.25 Mar.26 Jun.26 Mar.29 Target the standard annual pace of JPY 120bn reduction in the book value. Focus on reducing the market value, as the ratio has risen due to higher share prices. Reduction of Equity Holdings 6.09 1.01 0.83 0.70 Total reduction JPY 325bn FY3/25 JPY 185bn FY3/26 JPY 124bn 1Q FY3/27 JPY 16bn Consent of sales JPY 60bn Reduction Book value of domestic listed stock*1 Market value of equity holdings*2 / consolidated net assets Market value of domestic listed stock*1 (JPY tn) *1 Excl. investments after Mar.20 for the business alliance purpose *2 Incl. balance of deemed held shares Reduction plan (FY3/25-FY3/29) JPY (600)bn Target: <20% Reduce ahead of schedule32.9% 27.3% 27.5% 28.4% 0.69 12
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Copyright © 2026 Sumitomo Mitsui Financial Group. All Rights Reserved. ファンクショナル オレンジ 238:120:0 245:174:102 250:215:179 トラッドグリーン 0:72:49 102:145:131 179:200:194 フレッシュグリーン 196:215:0 220:231:102 237:243:179 ファンクショナル グリーン 160:200:30 198:222:120 227:239:188 国際 R：0 G：165 B：168 リテール R：0 G：169 B：95 ホールセール R：156 G：202 B：84 市場 R：18 G：184 B：214 Spread - based (Floating rate) 56%Spread-based (fixed rate) 20% Prime-rate-based 2% Mortgage,etc. 13% Others 9% Saving 62%Current 10% Time 20% NCD 2% Foreign currency 4% Others 2% Deposits Loans Balance Sheet ▶ Consolidated ▶ Domestic Loans and Deposits*3(vs Mar.26) *1 SMBC *2 Excl. held-to-maturity *3 Managerial accounting basis *4 Overdraft, foreign-currency-denominated, etc. Total net assets Deposits Others Others Securities Loans JPY167.7tn (JPY (3.1)tn) JPY 40.0tn (+JPY 0.0tn) JPY 119.8tn (+JPY 2.1tn) JGBs*2 JPY 4.4tn Foreign bonds*2 JPY 18.0tn Domestic loans*1 JPY 73.3tn Domestic deposits*1 JPY 136.8tn NCD JPY 13.6tn Loan to deposit ratio 59.8% Cash and due from banks JPY 71.5tn BOJ’s current account *1 JPY 51.0tn JPY 200.4tn (JPY (1.0)tn) JPY 110.9tn (JPY (0.3)tn) JPY 16.2tn (+JPY 0.3tn) Total assets JPY 327.5tn (JPY (1.0)tn) *4 13
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Copyright © 2026 Sumitomo Mitsui Financial Group. All Rights Reserved. ファンクショナル オレンジ 238:120:0 245:174:102 250:215:179 トラッドグリーン 0:72:49 102:145:131 179:200:194 フレッシュグリーン 196:215:0 220:231:102 237:243:179 ファンクショナル グリーン 160:200:30 198:222:120 227:239:188 国際 R：0 G：165 B：168 リテール R：0 G：169 B：95 ホールセール R：156 G：202 B：84 市場 R：18 G：184 B：214 240 269 315 281 311 382 415 454 420 452 0 100 200 300 400 Mar.24 Mar.25 Mar.26 Jun.25 Jun.26 Loans, etc.（USD bn） +8% Deposits Yen swaps Bond, etc. Mid-long term funding Interbank (incl. Repo) CD／CP Mid-long term funding*4 Deposits*3 Foreign bonds, NCD Others Interest earning assets USD 89bn (+USD 7bn)USD 81bn (USD (4)bn) USD 84bn (USD (9)bn) Foreign Currency ▶ Non-JPY Balance Sheet*1,2 ▶ Foreign Currency Funding Assets / Liabilities USD 625bn (USD (4)bn) (Ref.) Impact of Change in Foreign Interest Rate USD 345bn (+USD 4bn) USD 199bn (USD (4)bn) USD 311bn (USD (4)bn) USD 140bn (+USD 2bn) Loan/deposit ⚫ Most of the loans and deposits are based on market rate ⚫ Net interest income increases by JPY 20bn when interest rate increase by 1%, as a part of the deposits have low sensitivity to interest rate and vice versa *1 Managerial accounting basis. Interest-earning assets redefined (Sep.25); prior figures restated *2 Sum of SMBC and major local subsidiaries *3 Incl. deposits from central banks *4 Corporate bonds, currency swaps, etc (vs Mar.26) 14
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Copyright © 2026 Sumitomo Mitsui Financial Group. All Rights Reserved. ファンクショナル オレンジ 238:120:0 245:174:102 250:215:179 トラッドグリーン 0:72:49 102:145:131 179:200:194 フレッシュグリーン 196:215:0 220:231:102 237:243:179 ファンクショナル グリーン 160:200:30 198:222:120 227:239:188 国際 R：0 G：165 B：168 リテール R：0 G：169 B：95 ホールセール R：156 G：202 B：84 市場 R：18 G：184 B：214 （JPY bn） 1Q FY3/27 YoY*1 （JPY bn） 1Q FY3/27 YoY*1 Gross profit 428.8 +70.5 Gross profit 372.1 +67.3 o/w Income on deposits 68.1 +22.5 o/w Income on deposits 103.7 +30.0 o/w Income on loans 15.3 (3.0) o/w Income on loans 78.4 +12.4 o/w Wealth management business 131.5 +36.5 o/w FX and money transfer fees 41.4 +3.6 o/w Payment business 151.9 +9.7 o/w Loan syndication 12.5 +1.4 o/w Consumer finance business 83.1 +6.0 o/w Structured finance 20.5 +8.7 Expenses 309.2 +25.7 o/w Real estate finance 2.9 (2.4) Overhead Ratio 72.1% (7.0)% Securities business 22.0 +0.2 Net business profit 120.9 +45.6 Expenses 126.9 +13.1 Overhead Ratio 34.1% (3.2)% Net business profit 271.5 +49.7 SMBC ⚫ Income on loans and deposits increased significantly, driven by loan growth and wider spreads ⚫ Fee income also rose on elevated corporate activities; both gross profit and net business profit improved. FY3/26 1Q FY3/27 KPI AM / foreign currency balances (JPY tn) 23 25.7 28 Credit card sales handled (JPY tn) 39 9.9 55 # of Olive accounts Jun.26 ：8.0 mn # of Trunk accounts July.26：90 k *1 Managerial accounting basis (after adjustments of the changes in exchange rates) *2 Excl. consumer finance Results by Business Unit (1) ▶ Retail ▶ Wholesale ⚫ Gross profit increased driven by higher income on deposit and solid performance of wealth management business. ⚫ Overhead ratio improved through steady implementation of cost control initiatives; net business profit improved. 15 *2
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Copyright © 2026 Sumitomo Mitsui Financial Group. All Rights Reserved. ファンクショナル オレンジ 238:120:0 245:174:102 250:215:179 トラッドグリーン 0:72:49 102:145:131 179:200:194 フレッシュグリーン 196:215:0 220:231:102 237:243:179 ファンクショナル グリーン 160:200:30 198:222:120 227:239:188 国際 R：0 G：165 B：168 リテール R：0 G：169 B：95 ホールセール R：156 G：202 B：84 市場 R：18 G：184 B：214 FY3/26 1Q FY3/27 KPI 50 23 140Net income contribution from Asia Multi-franchise (JPY bn) FY3/26 1Q FY3/27 KPI 377 103.8 500S&T revenue (JPY bn) （JPY bn） 1Q FY3/27 YoY*1 （JPY bn） 1Q FY3/27 YoY*1 Gross profit 386.7 (6.6) Gross profit 233.5 +73.7 o/w Income on deposits 50.3 +2.1 o/w SMBC 175.7 +64.2 o/w Income on loans 138.4 (7.4) o/w SMBC Nikko 37.6 +9.9 o/w Loan related fees 80.4 +1.0 Expenses 62.9 +10.1 o/w Securities business 36.0 +10.2 Overhead Ratio 26.9% (6.1)% Expenses 269.1 +17.2 Net business profit 178.9 +63.9 Overhead Ratio 69.6% +5.5% Equity in gains(losses) of affiliates 27.3 (12.6) Net business profit 151.2 (37.4) ▶ Global *1 Managerial accounting basis (after adjustments of the changes in exchange rates) ▶ Global Markets Results by Business Unit (2) ⚫ Gross profit decreased mainly due to lower income on loans reflecting the selective origination ⚫ Net business profit also decreased due to higher expenses and the absence of insurance settlement at SMBCAC. ⚫ Gross profit increased through nimble operation in a favorable market environment. ⚫ S&T revenue also increased steadily; net business profit improved. 16
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Copyright © 2026 Sumitomo Mitsui Financial Group. All Rights Reserved. ファンクショナル オレンジ 238:120:0 245:174:102 250:215:179 トラッドグリーン 0:72:49 102:145:131 179:200:194 フレッシュグリーン 196:215:0 220:231:102 237:243:179 ファンクショナル グリーン 160:200:30 198:222:120 227:239:188 国際 R：0 G：165 B：168 リテール R：0 G：169 B：95 ホールセール R：156 G：202 B：84 市場 R：18 G：184 B：214 (JPY bn) Net operating revenue 586.4 177.9 +55.2 SG&A expenses 470.7 128.6 +23.7 Operating profits 115.7 49.3 +31.6 o/w Sales Divison 68.4 30.8 +20.3 GIB Division *2 48.1 17.3 +6.0 GM Division *3 (14.7) (2.5) +3.3 Ordinary profits 130.5 52.5 +31.9 Net income 128.3 37.1 +17.5 Client assets *4 (JPY tn) 91.1 100.0 FY3/26 1Q FY3/27 YoY 0 40 80 120 160 200 1Q FY3/26 2Q 3Q 4Q 1Q FY3/27 (JPY bn) *1 Incl. profits from SMBC Nikko America and SMBC Capital Markets (managerial accounting basis) *2 Global Investment Banking Division *3 Global Markets Division *4 Non-consolidated *5 Agency commissions on investment trusts, insurance and fund wrap discretionary investment fee, etc. *6 Equity brokerage commissions, etc. *7 Mainly, business that utilizes the company’s balance sheet and derivatives *8 Fixed Income, Currency and Commodities SMBC Nikko*1 ▶ Financial Results ▶ Net Operating Revenue Sales Division ■Asset based revenues*5 ■Flow revenues*6 GIB Division ■ECM ■DCM ■M&A ■Solutions etc. *7 GM Division ■Equity ■FICC*8 17
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Copyright © 2026 Sumitomo Mitsui Financial Group. All Rights Reserved. ファンクショナル オレンジ 238:120:0 245:174:102 250:215:179 トラッドグリーン 0:72:49 102:145:131 179:200:194 フレッシュグリーン 196:215:0 220:231:102 237:243:179 ファンクショナル グリーン 160:200:30 198:222:120 227:239:188 国際 R：0 G：165 B：168 リテール R：0 G：169 B：95 ホールセール R：156 G：202 B：84 市場 R：18 G：184 B：214 0 10 20 30 40 50 FY3/25 FY3/26 1Q FY3/26 1Q FY3/27 (JPY tn) 0 10 20 30 40 50 Mar.24 Mar.25 Mar.26 Jun.26 (mn) （JPY bn） Operating revenue 1,034.7 271.9 +22.5 o/w Commission fee 285.1 77.8 +10.6 o/w Finance 350.7 92.7 +7.8 o/w o/w SMBCCF 169.3 45.4 +4.6 o/w Sales on credit o/w and receipt agency 83.1 21.7 +0.7 o/w Loan guarantee revenue 87.4 21.8 (0.2) Operating expenses 897.9 251.2 +24.4 o/w For loan losses 134.1 40.3 +4.2 o/w o/w SMBCCF 72.0 24.6 +3.3 o/w For interest repayment 0.0 0.0 - o/w For loan guarantees 8.7 1.3 (0.6) Ordinary profit 136.5 20.9 (4.6) o/w Non-operating revenue 6.5 1.3 (2.5) o/w Non-operating expenses 6.8 1.1 +0.2 Net income 105.7 14.5 (17.8) NPL ratio*1 10.53% 10.61% 13.0yrs 15.0yrs FY3/26 1Q FY3/27 YoY Allowance on interest *1,2 repayments (provision) *1 Only SMBCCF *2 Allowance for losses／Interest repayments in the relevant fiscal year *3 The figure from FY3/23 has been adjusted to the reorganization of SMBC Mobit in Apr.23 SMCC (Incl. SMBCCF) ▶ Financial Results ▶ Sales Handled ▶ # of Card Holders ▶ Consumer Loans*3 ▶ Loan Guarantee*1 18
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Copyright © 2026 Sumitomo Mitsui Financial Group. All Rights Reserved. ファンクショナル オレンジ 238:120:0 245:174:102 250:215:179 トラッドグリーン 0:72:49 102:145:131 179:200:194 フレッシュグリーン 196:215:0 220:231:102 237:243:179 ファンクショナル グリーン 160:200:30 198:222:120 227:239:188 国際 R：0 G：165 B：168 リテール R：0 G：169 B：95 ホールセール R：156 G：202 B：84 市場 R：18 G：184 B：214 Management messages and round-table discussion with outside directors are disclosed on the website. Other content are scheduled to be released in August 2026. SMBC GROUP REPORT 2026 https://www.smfg.co.jp/english/investor/financial/annual.html CEO Message Discussion with Outside Directors CFO Message 19
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Copyright © 2026 Sumitomo Mitsui Financial Group. All Rights Reserved. ファンクショナル オレンジ 238:120:0 245:174:102 250:215:179 トラッドグリーン 0:72:49 102:145:131 179:200:194 フレッシュグリーン 196:215:0 220:231:102 237:243:179 ファンクショナル グリーン 160:200:30 198:222:120 227:239:188 国際 R：0 G：165 B：168 リテール R：0 G：169 B：95 ホールセール R：156 G：202 B：84 市場 R：18 G：184 B：214 ディスクレーマー：26/7改 訂 ▶ DefinitionsThis 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. This document also contains "sustainability statements" related to the sustainability activities of the Company concerning the environmental, social, and governance matters. 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 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 or sustainability statements contained or deemed to be contained herein. The risks and uncertainties which may affect future performance or results 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 or sustainability statements, which speak only as of the date of this document. The Company undertakes no obligation to update or revise any forward- looking statements or sustainability statements. The sustainability initiatives described in the "sustainability statements" are undertaken in accordance with policies and practices independently determined by the Company, with the aim of supporting and addressing its risk management and other financing and investment objectives. Each decision will be made subject to local legal requirements. 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. Retail Business Unit (RT) Domestic retail business Wholesale Business Unit (WS) Domestic wholesale business Global Business Unit (GB) International business Global Markets Business Unit (GM) Market / Treasury related businesses Expenses (non-consolidated) Excl. non-recurring losses Net business profit Before provision for general reserve for possible loan losses SMFG Sumitomo Mitsui Financial Group, Inc. SMBC Sumitomo Mitsui Banking Corporation SMBC Trust SMBC Trust Bank SMFL Sumitomo Mitsui Finance and Leasing SMBC Nikko SMBC Nikko Securities SMCC Sumitomo Mitsui Card Company SMBCCF SMBC Consumer Finance SMDAM Sumitomo Mitsui DS Asset Management SMBCAC SMBC Aviation Capital SMICC SMFG India Credit Company Major local subsidiaries SMBC Bank International, SMBC Bank EU, SMBC (China) Copyright © 2026 Sumitomo Mitsui Financial Group. All Rights Reserved. FX rates (TTM) Jun.25 Mar.26 Jun.26 USD 144.81 159.90 162.39 EUR 169.67 183.44 185.30 ※ The disclosure of Capital / RWA is scheduled for Aug 14, 2026. 20