Main features and terms &
conditions of capital instruments

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(as of September 30, 2025)

Terms & conditions of publicly issued (non private placement) capital instruments

Issuer ISIN Type(Issue #) Issue date Par Value(mn) Terms & Conditions
SMFG JP389035CFK5 Perpetual Subordinated
Bonds (#3)		 2015/7/30 ¥85,000 *
SMFG JP389035AH13 Perpetual Subordinated
Bonds (#4)		 2017/1/25 ¥150,000 *
SMFG JP389035AHC2 Perpetual Subordinated
Bonds (#5)		 2017/12/19 ¥150,000 *
SMFG JP389035AK67 Perpetual Subordinated
Bonds (#6)		 2019/6/21 ¥85,000 *
SMFG JP389035AL90 Perpetual Subordinated
Bonds (#7)		 2020/9/9 ¥100,000 *
SMFG JP389035AN15 Perpetual Subordinated
Bonds (#8)		 2022/1/27 ¥80,000 *
SMFG JP389035ANC0 Perpetual Subordinated
Bonds (#9)		 2022/12/12 ¥66,000 *
SMFG JP389035BNC8 Perpetual Subordinated
Bonds (#10)		 2022/12/12 ¥41,000 *
SMFG JP389035AP47 Perpetual Subordinated
Bonds (#11)		 2023/4/25 ¥89,000 *
SMFG JP389035BP46 Perpetual Subordinated
Bonds (#12)		 2023/4/25 ¥51,000 *
SMFG JP389035AP96 Perpetual Subordinated
Bonds (#13)		 2023/9/15 ¥114,500 *
SMFG JP389035BP95 Perpetual Subordinated
Bonds (#14)		 2023/9/15 ¥96,500 *
SMFG JP389035AQ12 Perpetual Subordinated
Bonds (#15)		 2024/1/26 ¥125,000 *
SMFG JP389035BQ11 Perpetual Subordinated
Bonds (#16)		 2024/1/26 ¥63,000 *
SMFG JP389035AQ61 Perpetual Subordinated
Bonds (#17)		 2024/6/7 ¥80,000 *
SMFG JP389035BQ60 Perpetual Subordinated
Bonds (#18)		 2024/6/7 ¥38,300 *
SMFG JP389035CQ69 Perpetual Subordinated
Bonds (#19)		 2024/6/7 ¥44,300 *
SMFG JP389035DQ68 Perpetual Subordinated
Bonds (#20)		 2024/6/7 ¥13,000 *
SMFG JP389035EQ67 Perpetual Subordinated
Bonds (#21)		 2024/6/7 ¥14,400 *
SMFG JP389035AR60 Perpetual Subordinated
Bonds (#22)		 2025/6/5 ¥180,000 *
SMFG JP389035BR69 Perpetual Subordinated
Bonds (#23)		 2025/6/5 ¥60,000 *
SMFG US86562MDK36 Perpetual Subordinated
Bonds		 2024/3/5 $1,000
SMFG US86562MDW73 Perpetual Subordinated
Bonds		 2025/2/25 $1,250
SMFG JP389035BF55 Subordinated
Bonds (#4)		 2015/5/29 ¥33,000 *
SMFG JP389035BF97 Subordinated
Bonds (#7)		 2015/9/28 ¥81,000 *
SMFG JP389035DG60 Subordinated
Bonds (#9)		 2016/6/13 ¥65,000 *
SMFG JP389035AG63 Subordinated
Bonds (#10)		 2016/6/3 ¥10,000 *
SMFG JP389035BG96 Subordinated
Bonds (#13)		 2016/9/12 ¥41,000 *
SMFG JP389035AJ37 Subordinated
Bonds (#14)		 2018/3/16 ¥100,000 *
SMFG JP389035AP39 Subordinated
Bonds (#15)		 2023/3/16 ¥64,000 *
SMFG JP389035BP38 Subordinated
Bonds (#16)		 2023/3/16 ¥36,000 *
SMFG JP389035APA9 Subordinated
Bonds (#17)		 2023/10/30 ¥85,000 *
SMFG JP389035BPA7 Subordinated
Bonds (#18)		 2023/10/30 ¥45,000 *
SMFG JP389035AQ79 Subordinated
Bonds (#19)		 2024/7/30 ¥58,000 *
SMFG JP389035BQ78 Subordinated
Bonds (#20)		 2024/7/30 ¥42,000 *
SMFG US86562MBS89 Subordinated
Bonds		 2019/9/17 $500
(Outstanding amount : $244)
SMFG US86562MBZ23 Subordinated
Bonds		 2020/9/23 $850
(Outstanding amount : $629)
SMFG US86562MCK45 Subordinated
Bonds		 2021/9/17 $850
SMFG US86562MCY49 Subordinated
Bonds		 2023/7/13 $1,000
SMFG US86562MDQ06 Subordinated
Bonds		 2024/7/9 $1,000
SMFG US86562MEB28 Subordinated
Bonds		 2025/7/8 $1,000

* Japanese only

Terms & conditions of other capital instruments

SMFG SMBC
Domestic private placement bonds, subordinated loans, etc.
*		 Domestic private placement bonds, subordinated loans, etc.
*

* Japanese only