三井住友金融 2026年年度报告和过渡报告

(Mark One) (Translation of registrant’s name into English) Japan1-2, Marunouchi 1-chome,Chiyoda-ku,Tokyo100-0005,Japan(Jurisdiction of incorporation or organization)(Address of principal executive offices)Kunihito Takaichi1-2, Marunouchi 1-chome, Chiyoda-ku, Tokyo 100-0005, JapanTelephone: +81-3-3282-8111Facsimile: +81-3-4333-9954(Name, telephone, e-mail and/or facsimile number and address of company contact person) TABLE OF CONTENTS Certain Defined Terms, Conventions and Presentation of Financial InformationCautionary Statement Regarding Forward-Looking StatementsPARTIItem1.Identity of Directors, Senior Management and AdvisersItem 2.Offer Statistics and Expected TimetableItem 3.Key Information3.A.Selected Financial Data3.B.Capitalization and Indebtedness3.C.Reasons for the Offer and Use of Proceeds3.D.Risk FactorsItem 4.Information on the Company4.A.History and Development of the Company4.B.Business Overview4.C.Organizational Structure4.D.Property, Plant and EquipmentItem4A.Unresolved Staff CommentsItem 5.Operating and Financial Review and Prospects5.A.Operating Results5.B.Liquidity and Capital Resources5.C.Research, Development, Patents and Licenses5.D.Trend Information5.E.Critical Accounting EstimatesItem 6.Directors, Senior Management and Employees6.A.Directors and Senior Management6.B.Compensation6.C.Board Practices6.D.Employees6.E.Share Ownership6.F.Disclosure of a Registrant’s Action to Recover Erroneously Awarded CompensationItem 7.Major Shareholders and Related Party Transactions7.A.Major Shareholders7.B.Related Party Transactions7.C.Interests of Experts and CounselItem 8.Financial Information8.A.Consolidated Statements and Other Financial Information8.B.Significant ChangesItem 9.The Offer and Listing9.A.Offer and Listing Details9.B.Plan of Distribution9.C.Markets9.D.Selling Shareholders9.E.Dilution9.F.Expenses of the IssueItem 10.Additional Information 10.A.Share Capital10.B.Memorandum and Articles of Incorporation10.C.Material Contracts10.D.Exchange Controls10.E.Taxation 134134144144149 Table of Contents Dividends and Paying AgentsStatement by ExpertsDocuments on DisplaySubsidiary InformationAnnual Report to Security HoldersQuantitative and Qualitative Disclosures about Credit, Market and Other RiskDescription of Securities other than Equity SecuritiesDebt SecuritiesWarrants and RightsOther SecuritiesAmerican Depositary Shares 10.F.10.G.10.H.10.I.10.J.Item 11.Item 12.12.A.12.B.12.C.12.D. PART II Item 13.Item 14.Item 15.Item 16A.Item 16B.Item 16C.Item 16D.Item 16E.Item 16F.Item 16G.Item 16H.Item 16I.Item 16J.Item 16K. Defaults, Dividend Arrearages and DelinquenciesMaterial Modifications to the Rights of Security Holders and Use of ProceedsControls and ProceduresAudit Committee Financial ExpertCode of EthicsPrincipal Accountant Fees and ServicesExemptions from the Listing Standards for the Audit CommitteePurchases of Equity Securities by the Issuer and Affiliated PurchasersChange in Registrant’s Certifying AccountantCorporate GovernanceMine Safety DisclosureDisclosure Regarding Foreign Jurisdictions that Prevent InspectionsInsider Trading PoliciesCybersecurity PART III Item 17.Item 18.Item 19. Financial StatementsFinancial StatementsExhibits Table of Contents CERTAIN DEFINED TERMS, CONVENTIONS ANDPRESENTATION OF FINANCIAL INFORMATION As used in this annual report, unless the context otherwise requires, “we,” “us,” “our,” the “Company,” “SMFG” and similar terms refer toSumitomo Mitsui Financial Group, Inc. as well as to its subsidiaries, as the context requires. “SMBC” refers to Sumitomo Mitsui Banking Corporation,which is one of our commercial banking subsidiaries, or to Sumitomo Mitsui Banking Corporation and its subsidiaries taken as a whole, depending onthe context. References to the “SMBC Group” are to us and our subsidiaries and affiliates taken as a whole. In this annual report, all of our financial information is presented on a consolidated basis, unless we state otherwise. As used in this annual report,“IFRS” means IFRS Accounting Standards as issued by the International Accounting Standards Board (“IASB”) and “Japanese GAAP” meansaccounting principles generally accepted in Japan. Our consolidated financial information in this annual report has been prepared in accordance withIFRS, except for the risk-weighted capital ratios, the segmental results of operations and some other specifically identified information, which areprepared in accordance with Japanese banking regulations or Japanese GAAP. Unless otherwise stated or the context otherwise requires, all financialinformation contained in this annual report is expressed in Japanese yen. Our fiscal year ends on March 31. Unless otherwise specified or required by the context: references to “days” are to calendar days; references to “years” are to calendar years and to“fiscal years” are to our fiscal years ending on March 31; references to “$,” “dollars” and “U.S. dollars” are to United States dollars; references to“euros