2026 Annual Report (FY2025)

Introduction	●Mission&Vision&Five Values ●Contents ●Financial Highlights ●Non-Financial Highlights ●SMBC Group’s History ●VISION ●New Medium-Term Management Plan ●Message from Group CEO
Business Strategy	●Message from Group CFO ●Roundtable Discussion with Outside Directors ●Roundtable Discussion on Risk Management ●SMBC Group's Value Creation Process ●Retail Business Unit ●Wealth Management ●Digital Platform ●Wholesale Business Unit ●Domestic Wholesale ●CIB Business ●Global Business Unit ●Asia ●Asset Management ●Global Markets Business Unit ●S&T Business ●Financial Targets by Business Unit
IT Transformation	●Message from Group CIO ●AI Utilization ●Global transaction banking
Corporate Infrastructure	●Corporate Governance ●Human Capital Management ●Message from Group CHRO ●SMBC Group Talent Policy and New Human Capital Management Model ●Overview of the HR Strategy ●Message from Group CRO ●Risk Management ●Message from Group CCO ●Compliance ●Customer-Oriented Initiatives ●IT Governance ●Cybersecurity ●Message from Group CAE ●Internal Audit ●External Advisors ●Group Structure
Create Social Value	●Message from Group CSuO ●Materiality and Impact Indicators ●Employees Taking on the Challenge of Social Value Creation
Data	●Financial Review ●Sustainability Information ●Together with Shareholders and Investors

Financial and Regulatory Disclosures

●Business Operations ●Contents ●Group Companies ●Financial Review ●Corporate Governance ●Risk Management ●Compliance ●Internal Reporting Systems and Hotline for Inappropriate Accounting and Auditing Activities ●The Basic Policy for Customer-Oriented Business Conduct ● Support for Mid-Sized Corporations and SMEs, Vitalization of Local Regions in Japan ●Employees ●Main Work-Life Balance Support System
Corporate Data	Sumitomo Mitsui Financial Group	●Directors and Executive Officers ●Sumitomo Mitsui Financial Group Organization
	Sumitomo Mitsui Banking Corporation	●Directors, Directors, Members of the Audit and Supervisory Committee and Executive Officers ●SMBC Organization
	SMBC Trust Bank	●Directors, Auditors and Executive Officers of SMBC Trust Bank ●SMBC Trust Bank Organization
●Principal Consolidated Subsidiaries and Affiliates ●International Directory ●Global Network

Appendix

Sumitomo Mitsui Financial Group	Financial Data	●Financial Highlights
Sumitomo Mitsui Financial Group	Basel III Information	●Capital Ratio and Leverage Ratio Information (Consolidated) ●Countercyclical buffer requirement by country or region ●Indicators for assessing Global Systemically Important Banks (G-SIBs) ●TLAC information ●Liquidity Coverage Ratio Information (Consolidated) ●Net Stable Funding Ratio Information (Consolidated)
Sumitomo Mitsui Banking Corporation	Financial Data	●Financial Highlights
Sumitomo Mitsui Banking Corporation	Basel III Information	●Capital Ratio and Leverage Ratio Information (Consolidated) ●Liquidity Coverage Ratio Information (Consolidated) ●Net Stable Funding Ratio Information (Consolidated) ●Capital Ratio and Leverage Ratio Information (Non-consolidated) ●Liquidity Coverage Ratio Information (Non-consolidated) ●Net Stable Funding Ratio Information (Non-consolidated) ●Glossary
SMBC Trust Bank	Financial Data	●Financial Highlights
SMBC Trust Bank	Basel III Information	●Capital Ratio Information
Sumitomo Mitsui Financial Group		●Compensation
Sumitomo Mitsui Banking Corporation		●Compensation
SMBC Trust Bank		●Compensation

(※) Financial Data excerpt from Securities Report

Sumitomo Mitsui Financial Group

Consolidated Financial Statements

Income Analysis (Consolidated)

Assets and Liabilities (Consolidated)

Capital (Non-consolidated)

Sumitomo Mitsui Banking Corporation

Consolidated Financial Statements