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Sumitomo Mitsui Financial Group logo
Sumitomo Mitsui Financial Group SMFG
$ 24.75 0.14%
report update icon

Quarterly report 2025-Q4
added 09-29-2026

Sumitomo Mitsui Financial Group Balance Sheet 2025-2011 | SMFG

Brief overview of Sumitomo Mitsui Financial Group's financial position

The comparison uses five available annual reports from the 2021–2025 interval.

The asset base progressed from 235 trillion JPY to 292.2 trillion JPY, equal to +24.3% overall and about 5.6% per year.

Assets and liabilities changed at similar rates, +24.3% and +23.8%. The funding mix did not shift sharply.

Banks and insurers cannot be assessed like industrial businesses on liabilities alone. Here, equity represents 5.6% of assets, previously 5.2%.

By the end of the period, accumulated earnings were 7.8 trillion JPY; the change from the start was +28.9%.

Overall assessment

Taken together, the figures indicate acceptable resilience for Sumitomo Mitsui Financial Group. The next assessment depends on debt and equity trends.

Annual Balance Sheet Sumitomo Mitsui Financial Group

2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011

Net Debt

- - - - - -34.8 T -34.5 T -32.4 T -22.1 T -21.4 T -12.2 T -12.1 T 5.5 T 13.6 T 16.2 T

Long Term Debt

- - - - - 26 T 20.9 T 14.8 T 12.2 T 13.4 T 10.6 T 10.4 T 8.8 T 10.4 T 12.5 T

Total Liabilities

276 T 265 T 244 T 235 T 223 T 201 T 184 T 180 T 179 T 169 T 168 T 149 T 139 T 134 T 129 T

Retained Earnings

7.84 T 7.77 T 7.2 T 6.43 T 6.08 T 5.61 T 5.72 T 5.15 T 4.61 T 4.19 T 3.55 T 3.11 T 2.6 T 2.16 T 1.97 T

Total Assets

292 T 281 T 258 T 248 T 235 T 212 T 196 T 192 T 191 T 180 T 179 T 159 T 148 T 142 T 136 T

Cash and Cash Equivalents

75.3 T 77.4 T 75.3 T 74.3 T 71.5 T 61.2 T 56.7 T 53.4 T 46.2 T 42.1 T - - - - -

Book Value

16.5 T 16.3 T 13.5 T 12.8 T 12.3 T 10.9 T 11.8 T 12.5 T 11.9 T 11 T 11 T 9.42 T 8.74 T 7.62 T 7.55 T

Total Shareholders Equity

16.5 T 16.3 T 13.5 T 12.8 T 12.3 T 10.9 T 11.8 T 12.4 T 11.9 T 11 T - - - - -

All numbers in JPY currency

Quarterly Balance Sheet Sumitomo Mitsui Financial Group

2025-Q4 2025-Q1 2024-Q4 2024-Q3 2024-Q1 2023-Q4 2023-Q3 2023-Q1 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

Total Liabilities

265 T 276 T 244 T 262 T 265 T 235 T 267 T 244 T - - - 235 T - 221 T - 223 T - 207 T - 201 T - 190 T - 184 T - 187 T - 180 T - - - 179 T - - - - - - - - - - - - - - - - - - - - - - - -

Retained Earnings

7.77 T 7.84 T 7.2 T 7.83 T 7.77 T 6.43 T 7.56 T 7.2 T - - - 6.43 T - 6.35 T - 6.08 T - 5.82 T - 5.61 T - 5.78 T - 5.72 T - 5.63 T - 5.15 T - - - 4.61 T - - - - - - - - - - - - - - - - - - - - - - - -

Total Assets

281 T 292 T 258 T 278 T 281 T 248 T 282 T 258 T - - - 248 T - 234 T - 235 T - 219 T - 212 T - 202 T - 196 T - 199 T - 192 T - - - 191 T - - - - - - - - - - - - - - - - - - - - - - - -

Cash and Cash Equivalents

76.5 T 75.3 T 75.7 T 73.4 T 77.4 T 73.1 T 77.2 T 75.3 T - - - 74.3 T - 70.7 T - 71.5 T - 68 T - 61.2 T - 57 T - 56.7 T - 55.8 T - 53.4 T - 48.6 T - 46.2 T - - - 42.1 T - - - 39.1 T - - - - - - - - - - - - - - - -

Book Value

16.3 T 16.5 T 13.5 T 16.4 T 16.3 T 12.8 T 15.1 T 13.5 T - - - 12.8 T - 12.8 T - 12.3 T - 11.6 T - 10.9 T - 11.7 T - 11.8 T - 12.6 T - 12.5 T - - - 11.9 T - - - - - - - - - - - - - - - - - - - - - - - -

Total Shareholders Equity

12.8 T 16.5 T 12.3 T 16.4 T 16.3 T 10.9 T 15.1 T 13.5 T - - - 12.8 T - 12.8 T - 12.3 T - 11.6 T - 10.9 T - 11.7 T - 11.8 T - 12.6 T - 12.4 T - 12.5 T - 11.9 T - - - 11 T - - - 11 T - - - - - - - - - - - - - - - -

All numbers in JPY currency

Balance Sheet is a fundamental financial report of Sumitomo Mitsui Financial Group, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.

For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.

Features of balance sheet analysis
  • Vertical and horizontal analysis
    Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods.
  • Asset quality
    It is important to evaluate not only the amount of assets but also their liquidity and realizability.
  • Accounting for off-balance sheet liabilities
    Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.

Balance sheet of other industry stocks – Banks

Issuer Price % 24h Market Cap Country
Росбанк Росбанк
ROSB
- - - russiaRussia
Банк Санкт-Петербург Банк Санкт-Петербург
BSPB
- - - russiaRussia
РосДорБанк РосДорБанк
RDRB
- - - russiaRussia
Банк АВАНГАРД Банк АВАНГАРД
AVAN
- - - russiaRussia
Московский Кредитный Банк Московский Кредитный Банк
CBOM
- - - russiaRussia
Кузнецкий Банк Кузнецкий Банк
KUZB
- - - russiaRussia
Приморье Банк Приморье Банк
PRMB
- - - russiaRussia
Уралсиб Уралсиб
USBN
- - - russiaRussia
Сбербанк Сбербанк
SBER
- - - russiaRussia
Банк ВТБ Банк ВТБ
VTBR
- - - russiaRussia
МТС Банк МТС Банк
MBNK
- - - russiaRussia
Совкомбанк Совкомбанк
SVCB
- - - russiaRussia
ДОМ.РФ ДОМ.РФ
DOMRF
- - - russiaRussia
TCS Group Holding PLC TCS Group Holding PLC
TCSG
- - - russiaRussia
Grupo Aval Acciones y Valores S.A. Grupo Aval Acciones y Valores S.A.
AVAL
$ 4.85 0.2 % $ 78.6 B colombiaColombia
Bank of the James Financial Group Bank of the James Financial Group
BOTJ
$ 26.84 0.04 % $ 122 M usaUSA
Lloyds Banking Group plc Lloyds Banking Group plc
LYG
$ 5.48 0.18 % $ 328 B britainBritain
Generations Bancorp NY Generations Bancorp NY
GBNY
- 1.23 % $ 34.4 M usaUSA
Foreign Trade Bank of Latin America Foreign Trade Bank of Latin America
BLX
$ 54.67 0.44 % $ 2.01 B panamaPanama
Eastern Bankshares Eastern Bankshares
EBC
$ 21.31 0.8 % $ 4.33 B usaUSA
Bank of America Bank of America
BAC
$ 51.23 0.27 % $ 385 B usaUSA
Banco Bilbao Vizcaya Argentaria, S.A. Banco Bilbao Vizcaya Argentaria, S.A.
BBVA
$ 25.72 0.39 % $ 148 B spainSpain
Citigroup Citigroup
C
$ 124.26 0.85 % $ 228 B usaUSA
Bank of Montreal Bank of Montreal
BMO
$ 167.07 0.61 % $ 121 B canadaCanada
UBS Group AG UBS Group AG
UBS
$ 47.68 0.22 % $ 150 B schweizSchweiz
Wells Fargo & Company Wells Fargo & Company
WFC
$ 83.87 1.35 % $ 269 B usaUSA
The Bank of Nova Scotia The Bank of Nova Scotia
BNS
$ 91.6 0.53 % $ 114 B canadaCanada
HSBC Holdings PLC HSBC Holdings PLC
HSBC
$ 94.57 0.03 % $ 1.65 T britainBritain
Mitsubishi UFJ Financial Group Mitsubishi UFJ Financial Group
MUFG
$ 21.88 0.09 % $ 249 B japanJapan
Barclays PLC Barclays PLC
BCS
$ 22.79 0.26 % $ 322 B britainBritain
America First Multifamily Investors, L.P. America First Multifamily Investors, L.P.
ATAX
- -0.1 % $ 424 M usaUSA
Canadian Imperial Bank of Commerce Canadian Imperial Bank of Commerce
CM
$ 112.48 0.2 % $ 105 B canadaCanada
NatWest Group plc NatWest Group plc
NWG
$ 17.51 0.23 % $ 141 B britainBritain
International Bancshares Corporation International Bancshares Corporation
IBOC
$ 67.34 0.14 % $ 4.19 B usaUSA
JPMorgan Chase & Co. JPMorgan Chase & Co.
JPM
$ 339.72 1.25 % $ 943 B usaUSA
ING Groep N.V. ING Groep N.V.
ING
$ 33.45 0.54 % $ 100 B niderlandNiderland
South State Corporation South State Corporation
SSB
$ 102.06 0.76 % $ 10.3 B usaUSA
Credicorp Ltd. Credicorp Ltd.
BAP
$ 390.26 0.47 % $ 31 B peruPeru
Royal Bank of Canada Royal Bank of Canada
RY
$ 197.8 0.57 % $ 279 B canadaCanada
Great Western Bancorp, Inc. Great Western Bancorp, Inc.
GWB
- -2.02 % $ 1.82 B usaUSA
Banco Santander, S.A. Banco Santander, S.A.
SAN
$ 13.3 0.11 % $ 198 B spainSpain
Banco de Chile Banco de Chile
BCH
$ 38.91 0.26 % $ 3.93 T chileChile
East West Bancorp East West Bancorp
EWBC
$ 126.88 0.49 % $ 17.6 B usaUSA
HDFC Bank Limited HDFC Bank Limited
HDB
$ 23.84 1.32 % $ 182 B indiaIndia
The Bank of N.T. Butterfield & Son Limited The Bank of N.T. Butterfield & Son Limited
NTB
$ 58.65 0.63 % $ 2.34 B bermudaBermuda
Credit Suisse Group AG Credit Suisse Group AG
CS
- -0.03 % $ 3.27 B schweizSchweiz
The Toronto-Dominion Bank The Toronto-Dominion Bank
TD
$ 120.39 0.52 % $ 208 B canadaCanada
Altabancorp Altabancorp
ALTA
- -1.25 % $ 834 M usaUSA
Itaú Corpbanca Itaú Corpbanca
ITCB
- 1.18 % $ 2.2 B chileChile