SMFG Sumitomo Mitsui Financial Group

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

This document contains a summary of the Company’s consolidated interim financial information under International Financial Reporting Standards as issued by the International Accounting Standards Board (“IFRS”) that was disclosed in its interim report on Form 6-K submitted to the U.S. Securities and Exchange Commission on December 26, 2024. This document does not contain all of the information in the interim report on Form 6-K that may be important to you. You should read the entire interim report on Form 6-K carefully to obtain a comprehensive understanding of the Company’s business and financial data under IFRS and related issues.

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 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.

 Assets:

Cash and deposits with banks

Call loans and bills bought

Reverse repurchase agreements and cash collateral on securities borrowed

Trading assets

Derivative financial instruments

Financial assets at fair value through profit or loss

Investment securities

Loans and advances

Investments in associates and joint ventures

Property, plant and equipment

Intangible assets

Other assets

Current tax assets

Deferred tax assets

Total assets

 Liabilities:

Deposits

Call money and bills sold

Repurchase agreements and cash collateral on securities lent

Trading liabilities

Derivative financial instruments

Financial liabilities designated at fair value through profit or loss

Borrowings

Debt securities in issue

Provisions

Other liabilities

Current tax liabilities

Deferred tax liabilities

Total liabilities

 Equity:

Capital stock

Capital surplus

Retained earnings

Treasury stock

Equity excluding other reserves

Other reserves

Equity attributable to shareholders of Sumitomo Mitsui Financial Group, Inc.

Non-controlling interests

Equity attributable to other equity instruments holders

Total equity

Total equity and liabilities

For the six months ended

September 30,

 Interest income

 Interest expense

 Net interest income

 Fee and commission income

 Fee and commission expense

 Net fee and commission income

 Net trading income (loss)

 Net income (loss) from financial assets and liabilities at fair value through profit or loss

 Net investment income

 Other income

 Total operating income

 Impairment charges on financial assets

 Net operating income

 General and administrative expenses

 Other expenses

 Operating expenses

 Share of post-tax profit of associates and joint ventures

 Profit before tax

 Income tax expense

 Net profit

 Profit attributable to:

Shareholders of Sumitomo Mitsui Financial Group, Inc.

Non-controlling interests

Other equity instruments holders

 Earnings per share⁽¹⁾:

Basic

Diluted

As resolved by the board of directors on May 15, 2024, the Company implemented a stock split on its common stock with an effective date of October 1, 2024, whereby each share of common stock owned by shareholders listed or recorded in the closing register of shareholders on the record date of September 30, 2024 was split into three shares. Basic and diluted earnings per share are calculated based on the assumption that the stock split had been implemented at the beginning of the year ended March 31, 2024.

For the six months ended

September 30,

 Net profit

 Other comprehensive income:

Items that will not be reclassified to profit or loss:

Remeasurements of defined benefit plans:

Gains (losses) arising during the period, before tax

Equity instruments at fair value through other
comprehensive income:

Gains (losses) arising during the period, before tax

Own credit on financial liabilities designated at fair value through profit or loss:

Gains (losses) arising during the period, before tax

Share of other comprehensive income (loss) of associates and joint ventures

Income tax relating to items that will not be reclassified

Total items that will not be reclassified to profit or loss, net of tax

Items that may be reclassified subsequently to profit or loss:

Debt instruments at fair value through other comprehensive income:

Gains (losses) arising during the period, before tax

Reclassification adjustments for (gains) losses included in net profit, before tax

Exchange differences on translating foreign operations:

Gains (losses) arising during the period, before tax

Share of other comprehensive income (loss) of associates and joint ventures

Income tax relating to items that may be reclassified

Total items that may be reclassified subsequently to profit or loss, net of tax

 Other comprehensive income (loss), net of tax

 Total comprehensive income

 Total comprehensive income attributable to:

Shareholders of Sumitomo Mitsui Financial Group, Inc.

Non-controlling interests

Other equity instruments holders