Komori
Earnings presentation8316Sumitomo Mitsui Financial Group,Inc.Banking

FY2026 Second-Quarter Earnings Presentation Materials

In the first half of fiscal 2026, consolidated interim net income attributable to owners of the parent increased year on year. At Sumitomo Mitsui Banking Corporation on a non-consolidated basis, however, ordinary income and interim net income declined, while gains and losses on stocks and other securities and gross profit from international banking operations decreased and expenses increased.

Worth reading
52Recurring
Scored from 4 of 6 sections
Direction
Mixed performance
Direction inferred from the company’s description.
Scale
69650
¥ million (year-on-year change in interim net income attributable to owners of the parent)
Wording
Avoiding a definitive answer
How definitive the wording is.

Contents of this document

Earnings presentationSecond quarter of fiscal 2026 (first half of fiscal 2026)2 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Ordinary income¥1,395,603 million
Net income¥1,003,155 million interim net income attributable to owners of the parent
Results for the three months of the current quarter
Domestic interest spread
April–June
Lending yield1.61%
Deposit and other funding yield0.30%
Loan-deposit spread1.31%
July–September
Lending yield1.76%
Deposit and other funding yield0.38%
Loan-deposit spread1.38%
What the company explained in this material
Breakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.
Consolidated gross operating profit
Net Interest Income337,029
Net fees and commissions109,060
Trading income-19,322
Net other operating income13,916
Consolidated net business profit255,248
Credit-Related Expenses-43,359
Gains/losses on stocks and other securities-84,679
Ordinary income117,479
Interim net income attributable to owners of the parent69,650
Key KPIsA metric the company considers important as a management benchmark.
  • ROE (TSE standards)12.7 %
    Year on year against the same period last yearUp 0.2 percentage points
  • ROE (Equity-Based)16.7 %
    Year on year against the same period last yearUp 0.4 percentage points year on year
  • Total capital ratio (consolidated)15.66 %
    Year on year against the same period last yearUp 0.06 percentage points
  • Common Equity Tier 1 ratio (consolidated)11.99 %
    Year on year against the same period last yearDown 0.33 percentage points
  • Non-performing loan ratio (consolidated)0.77 %
    Year on year against the same period last yearDown 0.20 percentage points
  • Deposits outstanding¥173,536,768 million
    Year on year against the same period last yearUp ¥2,200,852 million
  • Outstanding loans¥110,457,196 million
    Year on year against the same period last yearDown ¥291,477 million
Contents of this document
ItemDetails
Document typeEarnings presentation
Fiscal Period CoveredSecond quarter of fiscal 2026 (first half of fiscal 2026)
Ordinary income¥1,395,603 million
Net income¥1,003,155 million (interim net income attributable to owners of the parent)
Results for the three months of the current quarterDomestic interest spread April–June Lending yield 1.61% / Deposit and other funding yield 0.30% / Loan-deposit spread 1.31% / July–September Lending yield 1.76% / Deposit and other funding yield 0.38% / Loan-deposit spread 1.38%
Breakdown of Factors Affecting the ChangeConsolidated gross operating profit Net Interest Income 337,029 / Net fees and commissions 109,060 / Trading income -19,322 / Net other operating income 13,916 / Consolidated net business profit 255,248 / Credit-Related Expenses -43,359 / Gains/losses on stocks and other securities -84,679 / Ordinary income 117,479 / Interim net income attributable to owners of the parent 69,650
Key KPIsIndicator name ROE (TSE standards) / Value 12.7 % / Year on year against the same period last year Up 0.2 percentage points, Indicator name ROE (Equity-Based) / Value 16.7 % / Year on year against the same period last year Up 0.4 percentage points year on year, Indicator name Total capital ratio (consolidated) / Value 15.66 % / Year on year against the same period last year Up 0.06 percentage points, Indicator name Common Equity Tier 1 ratio (consolidated) / Value 11.99 % / Year on year against the same period last year Down 0.33 percentage points, Indicator name Non-performing loan ratio (consolidated) / Value 0.77 % / Year on year against the same period last year Down 0.20 percentage points, Indicator name Deposits outstanding / Value ¥173,536,768 million / Year on year against the same period last year Up ¥2,200,852 million, Indicator name Outstanding loans / Value ¥110,457,196 million / Year on year against the same period last year Down ¥291,477 million
Items this document does not state (24)
Net SalesOperating profitGross Profit MarginOperating profit marginSelling, general and administrative expensesFull-year earnings forecastProgress against full-year forecastSelf-assessment against the planSegment resultsUnit price and quantity metricsNumber of stores and locationsNumber of employeesAssumptions Underlying the Business OutlookRisk amount incorporated into the outlookMedium-term management plan targetsFinancial targetsAnnual DividendPayout ratioAcquisition of treasury sharesCapital expendituresOrders received and order backlogMarket Size / ShareKey points of the Q&ANew initiatives

These are items the company does not state in this document. We do not leave them blank, nor fill them in from other sources or by inference.

The reasons the company gives

The company's own explanation, not something inferred from the numbers.

On a consolidated basis, interest income, fees and commissions, reversals of allowance for loan losses and other items increased, while operating expenses, credit-related expenses, gains and losses on stocks and other securities and other items fluctuated. At Sumitomo Mitsui Banking Corporation on a non-consolidated basis, gross profit from domestic banking operations increased, but gross profit from international banking operations and gains and losses on stocks and other securities decreased, while expenses and losses on disposal of non-performing loans increased.

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