Business Context and Reporting Period
This Form 6-K filing by Sumitomo Mitsui Financial Group, Inc. (SMFG) reports capital adequacy ratios as of December 31, 2025, announced on February 13, 2026. The data covers the consolidated group, Sumitomo Mitsui Banking Corporation (SMBC) on a consolidated basis, and SMBC on a non-consolidated basis, calculated under BIS guidelines.
Key Financial Metrics
The filing focuses exclusively on regulatory capital metrics. Revenue, profit, cash flow, and debt figures are not provided in this document.
Sumitomo Mitsui Financial Group (Consolidated)
- Total Capital Ratio: 15.95%
- Tier 1 Capital Ratio: 14.81%
- Common Equity Tier 1 (CET1) Ratio: 12.75%
- Leverage Ratio: 5.19%
- Total Capital: ¥15,771.8 billion
- Risk-Weighted Assets (RWA): ¥98,846.1 billion
Sumitomo Mitsui Banking Corporation (Consolidated)
- Total Capital Ratio: 17.58%
- Tier 1 Capital Ratio: 15.92%
- Common Equity Tier 1 (CET1) Ratio: 12.76%
- Leverage Ratio: 5.21%
- Total Capital: ¥15,017.8 billion
- Risk-Weighted Assets (RWA): ¥85,405.3 billion
Sumitomo Mitsui Banking Corporation (Non-Consolidated)
- Total Capital Ratio: 16.13%
- Tier 1 Capital Ratio: 14.19%
- Common Equity Tier 1 (CET1) Ratio: 10.77%
- Leverage Ratio: 4.81%
- Total Capital: ¥12,423.1 billion
- Risk-Weighted Assets (RWA): ¥76,983.8 billion
Material Changes Versus Prior Period
Comparing December 31, 2025, to September 30, 2025:
- SMFG Group: The Total Capital Ratio increased by 0.77 percentage points (from 15.18% to 15.95%). Total capital grew by ¥1,627.7 billion, while RWA increased by ¥5,729.0 billion.
- SMBC (Consolidated): The Total Capital Ratio rose by 0.80 percentage points (from 16.78% to 17.58%). Total capital increased by ¥1,424.5 billion against an RWA increase of ¥4,396.8 billion.
- SMBC (Non-Consolidated): The Total Capital Ratio improved by 1.41 percentage points (from 14.72% to 16.13%). Total capital grew by ¥1,590.9 billion, with RWA rising by ¥3,427.3 billion.
Guidance, Outlook, and Risks
The filing contains no management commentary, forward-looking guidance, or specific risk disclosures beyond the standard regulatory capital reporting. No unusual items or contingencies are described in the text provided.
Investor Verification Checklist
- Verify the source of the capital increase (e.g., retained earnings vs. external issuance) by reviewing the full quarterly financial statements.
- Confirm the composition of the increase in Risk-Weighted Assets to understand exposure growth.
- Check the company's website (https://www.smfg.co.jp/english/investor/financial/basel_3.html) for detailed breakdowns of capital components.
- Review subsequent filings for revenue and profitability data, as this 6-K is limited to capital ratios.