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Investor Relations14 Oct 2025
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Sumitomo Mitsui Financial Group (8316) investor relations material
Sumitomo Mitsui Financial Group Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary31 Jul, 2025
Executive summary
Consolidated gross profit rose year-over-year, driven by higher domestic loan and deposit income, strong payment business, and increased fee income in domestic wholesale.
Ordinary income for the quarter was ¥2,444.4 billion, down 3.1% year-over-year; ordinary profit fell 7.2% to ¥483.3 billion.
Profit attributable to owners of parent rose 1.5% to ¥376.9 billion compared to the same quarter last year.
EPS increased to ¥97.46 from ¥94.36 year-over-year, reflecting a three-for-one stock split.
Progress rates for both consolidated business profit and bottom-line profit reached 29%, with no material impact yet from anticipated U.S. tariffs.
Financial highlights
Consolidated gross profit: JPY 1,087.8bn (+57.9bn YoY); net business profit: JPY 544.3bn (+75.5bn YoY); profit attributable to owners: JPY 376.9bn (+5.5bn YoY).
Net interest income increased to ¥626.3 billion, up ¥102.1 billion year-over-year.
Overhead ratio improved to 55.1% (down 2.4% YoY) despite inflation and higher variable costs.
Total credit cost increased to JPY 75.6bn (+46.4bn YoY), controlled in line with full-year forecast.
Ordinary profit declined to ¥483.3 billion from ¥520.9 billion year-over-year.
Outlook and guidance
Full-year profit attributable to owners of parent is forecast at ¥1,300.0 billion, up 10.4% from the previous year.
Estimated negative impact of JPY 100bn from U.S. tariffs has not materialized; full-year forecasts remain unchanged.
Rising interest rates could add up to JPY 200bn in profit, with JPY 40bn realized in 1Q.
Forecasted EPS for the fiscal year ending March 2026 is ¥338.00.
Dividend forecast remains unchanged, with annual cash dividends per share reflecting the stock split.
How did gains/losses on stocks change?
Explain the NPL ratio change.
Detail consolidated gross profit drivers.
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Next Sumitomo Mitsui Financial Group earnings date
Q2 202614 Nov, 2025
Next Sumitomo Mitsui Financial Group earnings date
Q2 202614 Nov, 2025
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Frequently asked questions
Sumitomo Mitsui Financial Group Inc (SMFG) is a diversified financial services group based in Tokyo, Japan. SMFG offers a wide range of financial products and services, including banking, leasing, securities, credit card services, and consumer finance. It operates through several business units, namely the Wholesale Business Unit, Retail Business Unit, Global Business Unit, and Global Markets Business Unit. SMFG's operations span across Japan, the Americas, Europe, the Middle East, Asia, and Oceania. The company's banking and financial solutions cater to individual, corporate, SME, and high-net-worth clients through a network of branches, representative offices, ATMs, and online platforms. The company is headquartered in Tokyo, Japan, and its shares are listed on the Tokyo Stock Exchange as well as the NYSE.
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