Bond Sumitomo Mitsui Financial Group 3.662% ( XS1572743927 ) in AUD

Sumitomo Mitsui Financial Group

100 % ▼

Japan

XS1572743927 ( in AUD )

3.662% per year ( payment 1 time a year)

29/03/2022 - Bond has expired

Prospectus brochure of the bond Sumitomo Mitsui FG XS1572743927 in AUD 3.662%, expired

2 000 AUD

300 000 000 AUD

Sumitomo Mitsui Financial Group (SMFG) is a major Japanese financial services conglomerate offering banking, trust banking, securities, and other financial services globally.

The Bond issued by Sumitomo Mitsui Financial Group ( Japan ) , in AUD, with the ISIN code XS1572743927, pays a coupon of 3.662% per year.
The coupons are paid 1 time per year and the Bond maturity is 29/03/2022

PROSPECTUS SUPPLEMENT
(To prospectus dated January 21, 2016)
Sumitomo Mitsui Financial Group, Inc.
(incorporated under the laws of Japan with limited liability)
A$300,000,000 3.662% Senior Notes due 2022
A$700,000,000 Senior Floating Rate Notes due 2022
We will issue an aggregate principal amount of A$300,000,000 of senior fixed rate notes due March 29, 2022, or the
fixed rate notes. The fixed rate notes will bear interest commencing March 29, 2017 at the rate of 3.662% per annum, payable
semiannually in arrears on March 29 and September 29 of each year, beginning on September 29, 2017.
We will issue an aggregate principal amount of A$700,000,000 of senior floating rate notes due March 29, 2022, or the
floating rate notes, and together with the fixed rate notes, the notes. The floating rate notes will bear interest commencing
March 29, 2017 at a floating rate per annum, reset quarterly, equal to the Australian dollar three-month Bank Bill Swap rate,
or the BBSW Rate (determined as provided under "Description of the Notes"), plus 1.27% payable quarterly in arrears on
March 29, June 29, September 29 and December 29 of each year, beginning on June 29, 2017, subject to adjustments.
The notes will not be redeemable prior to maturity, except as set forth under "Description of the Notes--Redemption for
Taxation Reasons", and will not be subject to any sinking fund. The notes will be issued only in registered form in minimum
denominations of A$2,000 and integral multiples of A$1,000 in excess thereof (sales in Australia subject to a minimum
denomination of A$500,000).
We have made an application to the Luxembourg Stock Exchange to list the notes on the official list of the Luxembourg
Stock Exchange and for such notes to be admitted to trading on the Luxembourg Stock Exchange's Euro MTF Market. The
Luxembourg Stock Exchange's Euro MTF Market is not a regulated market for the purposes of Article 4.1(14) of the Markets
in Financial Instruments Directive (Directive 2004/39/EC). This prospectus supplement does not constitute a prospectus for
the purposes of the Prospectus Directive (Directive 2003/71/EC).
Investing in the notes involves risks. You should carefully consider the risk factors set forth in
"Item 3. Key Information--Risk Factors" of our most recent annual report on Form 20-F filed with the
U.S. Securities and Exchange Commission, or the SEC, and in the "Risk Factors" section beginning on
page S-7 of this prospectus supplement before making any decision to invest in the notes.
Per fixed rate note
Per floating rate note
Total
Public offering price(1) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
100%
100%
A$1,000,000,000
Underwriting commissions(2) . . . . . . . . . . . . . . . . . . . . . . . . . . .
0.35%
0.35%
A$
3,500,000
Proceeds, before expenses, to SMFG(1) . . . . . . . . . . . . . . . . . . .
99.65%
99.65%
A$ 996,500,000
(1) Plus accrued interest from March 29, 2017, if settlement occurs after that date.
(2) For additional underwriting compensation information, see "Underwriting (Conflicts of Interest)."
Neither the SEC nor any state securities commission has approved or disapproved of these securities or passed
upon the adequacy or accuracy of this prospectus supplement or the related prospectus. Any representation to the
contrary is a criminal offense.
The notes of each series will be represented by a global certificate registered in the name of a nominee of a common
depositary for Euroclear Bank SA/NV, or Euroclear, and Clearstream Banking S.A., or Clearstream. Except as described
herein, beneficial interests in each global certificate will be shown on, and transfers thereof will be effected through, records
maintained by Euroclear or Clearstream and their respective participants.
It is expected that the notes will be deposited with, and registered in the name of a nominee of, a common depositary for
Euroclear and Clearstream on or about March 29, 2017.
Joint Lead Managers and Joint Bookrunners
Citigroup
SMBC Nikko
ANZ
Commonwealth Bank of Australia
nabSecurities, LLC
Co-Manager
UBS Investment Bank
Prospectus Supplement dated March 23, 2017

TABLE OF CONTENTS
Prospectus Supplement
Page
Prospectus Supplement Summary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
S-1
Risk Factors . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
S-7
Use of Proceeds . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
S-14
Exchange Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
S-15
Capitalization and Indebtedness . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
S-16
Ratio of Earnings to Fixed Charges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
S-18
Selected Financial and Other Information (IFRS) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
S-19
Supplemental Financial and Other Information (Japanese GAAP) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
S-21
Supervision and Regulation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
S-28
Recent Developments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
S-30
Description of the Notes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
S-31
Taxation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
S-41
Underwriting (Conflicts of Interest) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
S-50
Listing and General Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
S-57
Legal Matters . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
S-58
Incorporation By Reference . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
S-59
Prospectus
Page
About This Prospectus . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
1
Cautionary Statement Regarding Forward-Looking Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2
Risk Factors . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3
Ratio of Earnings to Fixed Charges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3
Sumitomo Mitsui Financial Group, Inc. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4
Capitalization and Indebtedness . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
5
Use of Proceeds . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
6
Description of the Debt Securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
7
Taxation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
23
Benefit Plan Investor Considerations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
23
Plan of Distribution (Conflicts of Interest) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
25
Experts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
27
Legal Matters . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
27
Enforcement of Civil Liabilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
27
Where You Can Find More Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
27
S-ii

The notes have not been and will not be registered under the Financial Instruments and Exchange Act of
Japan, or the FIEA, and are subject to the Act on Special Measures Concerning Taxation of Japan, or the Special
Taxation Measures Act. The notes may not be offered or sold in Japan, to any person resident in Japan, or to
others for reoffering or resale directly or indirectly in Japan or to a person resident in Japan, for Japanese
securities law purposes (including any corporation or other entity organized under the laws of Japan) except
pursuant to an exemption from the registration requirements of, and otherwise in compliance with, the FIEA and
any other applicable laws, regulations and governmental guidelines of Japan. In addition, the notes are not, as
part of the distribution by the underwriters under the applicable underwriting agreement at any time, to be
directly or indirectly offered or sold to, or for the benefit of, any person other than a beneficial owner that is,
(i) for Japanese tax purposes, neither an individual resident of Japan or a Japanese corporation, nor an individual
non-resident of Japan or a non-Japanese corporation that in either case is a person having a special relationship
with the issuer of the notes as described in Article 6, Paragraph (4) of the Special Taxation Measures Act, or a
specially-related person of the issuer or (ii) a Japanese financial institution, designated in Article 6,
Paragraph (9) of the Special Taxation Measures Act.
Interest payments on the notes will be subject to Japanese withholding tax unless it is established that the
notes are held by or for the account of a beneficial owner that is (i) for Japanese tax purposes, neither an
individual resident of Japan or a Japanese corporation, nor an individual non-resident of Japan or a non-Japanese
corporation that in either case is a specially-related person of the issuer, (ii) a Japanese financial institution
designated in Article 6, Paragraph (9) of the Special Taxation Measures Act which complies with the requirement
for tax exemption under that paragraph or (iii) a Japanese public corporation, financial institution or financial
instruments business operator described in Article 3-3, Paragraph (6) of the Special Taxation Measures Act
which complies with the requirement for tax exemption under that paragraph.
Interest payments on the notes to an individual resident of Japan, to a Japanese corporation (except as
described in the preceding paragraph), or to an individual non-resident of Japan or a non-Japanese corporation
that in either case is a specially-related person of the issuer will be subject to deduction in respect of Japanese
income tax at a rate of 15.315% of the amount of such interest.
Representation by Investor upon Distribution
By subscribing to any notes, an investor will be deemed to have represented that it is a beneficial owner who
is, (i) for Japanese tax purposes, neither an individual resident of Japan or a Japanese corporation, nor an
individual non-resident of Japan or a non-Japanese corporation that in either case is a person having a special
relationship with the issuer of the notes as described in Article 6, Paragraph (4) of the Special Taxation Measures
Act or (ii) a Japanese financial institution, designated in Article 6, Paragraph (9) of the Special Taxation
Measures Act.
ABOUT THIS PROSPECTUS SUPPLEMENT
This document consists of two parts. The first part is this prospectus supplement, which describes the
specific terms of the offering of the notes and also adds to, updates and changes information contained in the
prospectus dated January 21, 2016 and filed with the SEC on the same date, and the documents incorporated by
reference in this prospectus supplement. The second part is the above-mentioned prospectus, to which we refer as
the "accompanying prospectus." The accompanying prospectus contains a description of the senior and
subordinated debt securities and gives more general information, some of which may not apply to the notes. If
the description of the notes in this prospectus supplement differs from the description in the accompanying
prospectus, the description in this prospectus supplement supersedes the description in the accompanying
prospectus.
We have not, and the underwriters have not, authorized any other person to provide you with any
information other than that contained in or incorporated by reference into this prospectus supplement, in the
S-iii

accompanying prospectus or in any free writing prospectus prepared by or on behalf of us or to which we have
referred you. "Incorporated by reference" means that we can disclose important information to you by referring
you to another document filed separately with the SEC. Neither we nor the underwriters are responsible for, and
can provide assurance as to the accuracy of, any other information that any other person may give you. We are
not making, nor are the underwriters making, an offer to sell the notes in any jurisdiction where the offer or sale
is not permitted. You should not assume that the information appearing in this prospectus supplement, the
accompanying prospectus or in any free writing prospectus prepared by or on behalf of us or to which we have
referred you, including any information incorporated by reference herein or therein, is accurate as of any date
other than its respective date. Our business, financial condition, results of operations and prospects may have
changed since those respective dates.
Copies of the documents incorporated by reference in this prospectus supplement as of the date of this
prospectus supplement will be available free of charge at the offices of the trustee and on the website of the
Luxembourg Stock Exchange (www.bourse.lu). This prospectus supplement may only be used for the purposes
for which it has been published.
FORWARD-LOOKING STATEMENTS
This prospectus supplement, the accompanying prospectus and the documents incorporated by reference
herein contain in a number of places forward-looking statements regarding our intent, belief or current
expectations of our management with respect to the future results of operations and financial condition of us,
SMBC and our respective group companies, including without limitation future loan loss provisions and financial
support to borrowers. In many cases but not all, the words "anticipate," "believe," "estimate," "expect," "intend,"
"may," "plan," "probability," "project," "risk," "seek," "should," "target," "will" and similar expressions, as they
relate to us or our management, are intended to identify forward-looking statements. You can also identify
forward-looking statements by discussions of strategy, plans or intentions. Forward-looking statements, which
include statements contained in "Item 3. Key Information--Risk Factors," "Item 5. Operating and Financial
Review and Prospects" and "Item 11. Quantitative and Qualitative Disclosures about Credit, Market and Other
Risk" of our annual report on Form 20-F for the fiscal year ended March 31, 2016, reflect our current views with
respect to future events and are subject to risks, uncertainties and assumptions, including the risk factors
described in this prospectus supplement. Should one or more of these risks or uncertainties materialize, or should
underlying assumptions prove incorrect, actual results may vary materially from those described here as
anticipated, believed, estimated, expected or intended.
We have identified some of the risks inherent in forward-looking statements in "Item 3. Key Information--
Risk Factors" of our most recent annual report on Form 20-F and in the "Risk Factors" section of this prospectus
supplement. Other factors could also adversely affect our results or the accuracy of forward-looking statements in
this prospectus supplement, and you should not consider these to be a complete set of all potential risks or
uncertainties.
The forward-looking statements included or incorporated by reference in this prospectus supplement are
made only as of the dates on which such statements were made. We expressly disclaim any obligation or
undertaking to release any update or revision to any forward-looking statement contained herein to reflect any
change in our expectations with regard thereto or any change in events, conditions or circumstances on which
any statement is based.
S-iv

PRESENTATION OF FINANCIAL AND OTHER INFORMATION
Our primary financial statements for SEC reporting purposes are prepared on an annual and semi-annual
basis in accordance with International Financial Reporting Standards as issued by the International Accounting
Standards Board, or IFRS, while our financial statements for reporting in our jurisdiction of incorporation and
Japanese bank regulatory purposes are prepared on an annual and quarterly basis in accordance with accounting
principles generally accepted in Japan, or Japanese GAAP.
Financial information for us contained or incorporated by reference herein is presented in accordance with
IFRS or Japanese GAAP, as specified herein or in the relevant document being incorporated by reference.
Financial information for SMBC contained or incorporated by reference herein is presented in accordance with
Japanese GAAP. See "Incorporation by Reference" for a list of documents being incorporated by reference
herein.
IFRS and Japanese GAAP differ in certain respects from each other and from generally accepted accounting
principles in the United States, or U.S. GAAP, and in other countries. For a description of certain differences
between IFRS and Japanese GAAP, see "Item 5.A Operating Results--Reconciliation with Japanese GAAP" in
our most recent annual report on Form 20-F filed with the SEC. You should consult your own professional
advisers for a more complete understanding of the differences between IFRS, Japanese GAAP, U.S. GAAP and
the generally accepted accounting principles of other countries and how those differences might affect the
financial information contained or incorporated by reference in this prospectus supplement or the accompanying
prospectus.
In this prospectus supplement, where IFRS financial information is presented in millions, billions or trillions
of yen or thousands, millions or billions of U.S. dollars, amounts of less than one thousand, one million,
one billion or one trillion, as the case may be, have been rounded. Where Japanese GAAP financial information
is presented in millions of yen or thousands or millions of U.S. dollars, amounts of less than one thousand or one
million, as the case may be, have been truncated. Where Japanese GAAP financial information is presented in
billions or trillions of yen or billions of U.S. dollars, amounts of less than one billion or one trillion, as the case
may be, have been rounded, except for information of SMBC Nikko Securities Inc., or SMBC Nikko Securities,
the amounts of which have been truncated. Accordingly, the total of each column of figures may not be equal to
the total of the individual items. All percentages have been rounded to the nearest percent, one-tenth of one
percent or one-hundredth of one percent, as the case may be, except for capital ratios, which have been truncated.
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
"A$" are to Australian dollars; references to "U.S.$," and "U.S. dollars" are to United States dollars and
references to "yen" and "¥" are to Japanese yen. Unless otherwise specified, when converting currencies into yen
we use Sumitomo Mitsui Banking Corporation's median exchange rates for buying and selling spot U.S. dollars,
or other currencies, by telegraphic transfer against yen as determined at the end of the relevant fiscal period.
Unless the context otherwise requires, "SMFG," the "issuer," "we," "us," "our," and similar terms refer to
Sumitomo Mitsui Financial Group, Inc. as well as to its subsidiaries. References to the "Group" are to us and our
subsidiaries and affiliates taken as a whole. "SMBC" and the "Bank" refer to our main subsidiary, Sumitomo
Mitsui Banking Corporation or to Sumitomo Mitsui Banking Corporation and its subsidiaries, taken as a whole,
as the context requires. References to "non-consolidated" information are to the financial information solely of
SMBC.
In this prospectus supplement, all of our financial information is presented on a consolidated basis, unless
we state otherwise.
S-v

PROSPECTUS SUPPLEMENT SUMMARY
This summary highlights key information described in greater detail elsewhere, or incorporated by
reference, in this prospectus supplement and the accompanying prospectus. You should read carefully the entire
prospectus supplement, the accompanying prospectus and the documents incorporated by reference before
making an investment decision.
Our Company
We are a joint stock company incorporated in December 2002 with limited liability under the laws of Japan.
We are a holding company that directly owns 100% of the issued and outstanding shares of SMBC, which is one
of the largest commercial banks in Japan and can trace the origin of its banking business back to the seventeenth
century. We are one of the three largest banking groups in Japan, with an established presence across all of the
consumer and corporate banking sectors. In addition to SMBC, our subsidiaries in our commercial banking
business include SMBC Trust Bank Ltd., or SMBC Trust Bank, Kansai Urban Banking Corporation, THE
MINATO BANK, LTD., Sumitomo Mitsui Banking Corporation Europe Limited and Sumitomo Mitsui Banking
Corporation (China) Limited. Our subsidiaries also include Sumitomo Mitsui Finance and Leasing Company,
Limited, or SMFL, in the leasing business, SMBC Nikko Securities and SMBC Friend Securities Co., Limited, or
SMBC Friend Securities, in the securities business, and Sumitomo Mitsui Card Company, Limited, or Sumitomo
Mitsui Card, Cedyna Financial Corporation, or Cedyna, and SMBC Consumer Finance Co., Ltd., or SMBC
Consumer Finance, in the consumer finance business.
SMBC is one of the world's largest commercial banks on the basis of total assets and provides an extensive
range of corporate and consumer banking services in Japan and wholesale banking services overseas. In Japan, it
has solid franchises in both corporate and consumer banking. The Bank has long-standing and close business
relationships with many companies listed on the First Section of the Tokyo Stock Exchange and long historical
relationships with Sumitomo Group and Mitsui Group companies. The Bank had approximately 28 million
consumer banking customer deposit accounts and approximately 86,000 corporate borrower customers on a
non-consolidated basis as of September 30, 2016.
We continue promoting business collaborations among Group companies, including SMBC, SMBC Trust
Bank, SMFL, SMBC Nikko Securities and The Japan Research Institute, Limited in the corporate solutions
business and SMBC, SMBC Trust Bank, SMBC Nikko Securities, SMBC Friend Securities, Sumitomo Mitsui
Card, Cedyna and SMBC Consumer Finance in providing financial consulting services to individuals.
Our registered head office is located at 1-2, Marunouchi 1-chome, Chiyoda-ku, Tokyo 100-0005, Japan. Our
main telephone number is +81-3-3282-8111, and our corporate website is http://www.smfg.co.jp. Information
appearing on our website is not incorporated by reference into this prospectus supplement.
The Offering
Senior Fixed Rate Notes
Securities Offered . . . . . . . . . . . . . . . . . . A$300,000,000 aggregate principal amount of 3.662% senior notes
due March 29, 2022.
Offering Price . . . . . . . . . . . . . . . . . . . . . 100% of the principal amount plus accrued interest from March 29,
2017, if settlement occurs after that date.
Maturity . . . . . . . . . . . . . . . . . . . . . . . . . . The fixed rate notes will mature on March 29, 2022.
S-1

Payment of Principal and Interest for the
Fixed Rate Notes . . . . . . . . . . . . . . . . . Interest on the fixed rate notes will accrue at the rate of 3.662%
per annum from March 29, 2017.
We will pay interest on the fixed rate notes semiannually in arrears on
March 29 and September 29 of each year, beginning on
September 29, 2017, to the persons in whose names the fixed rate
notes are registered as of the close of business on the fifteenth day
before the due date for payment (whether or not a business day).
Interest on the fixed rate notes will be paid to but excluding the
relevant interest payment date. We will compute interest on the fixed
rate notes on the basis of the actual number of days in the year and the
actual number of days elapsed. If any payment is due on the fixed rate
notes on a day that is not a business day, we will make payment on
the date that is the next succeeding business day. Payments postponed
to the next succeeding business day in this situation will be treated as
if they were made on the original due date. Postponement of this kind
will not result in a default under the notes, and no interest will accrue
on the postponed amount from the original due date to the next
succeeding business day.
We will pay 100% of the principal amount of the fixed rate notes at
the maturity date.
See "Description of the Notes--Principal, Maturity and Interest for
the Fixed Rate Notes."
Security Numbers . . . . . . . . . . . . . . . . . . The security numbers for the fixed rate notes are:
ISIN: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
XS1572743927
Common Code: . . . . . . . . . . . . . . . . . . . . . . . . . . .
157274392
Other Terms . . . . . . . . . . . . . . . . . . . . . . . For more information on the terms of the fixed rate notes, see
"--General Terms of the Notes" and "Description of the Notes" in
this prospectus supplement and "Description of the Debt Securities"
in the accompanying prospectus.
Senior Floating Rate Notes
Securities Offered . . . . . . . . . . . . . . . . . . A$700,000,000 aggregate principal amount of senior floating rate
notes due March 29, 2022.
Offering Price . . . . . . . . . . . . . . . . . . . . . 100% of the principal amount plus accrued interest from March 29,
2017, if settlement occurs after that date.
Maturity . . . . . . . . . . . . . . . . . . . . . . . . . . The floating rate notes will mature on March 29, 2022.
Payment of Principal and Interest for the
Floating Rate Notes . . . . . . . . . . . . . . . Interest on the floating rate notes will accrue at a floating rate
per annum, reset quarterly, equal to the BBSW Rate plus 1.27% from
S-2

March 29, 2017. The BBSW Rate for each interest period (as defined
herein) will be determined by the calculation agent in accordance
with the terms of the floating rate notes.
We will pay interest on the floating rate notes quarterly in arrears on
March 29, June 29, September 29 and December 29 of each year,
beginning on June 29, 2017, subject to adjustments, to the persons in
whose names the floating rate notes are registered as of the close of
business on the fifteenth day before the due date for payment
(whether or not a business day).
We will compute interest on the floating rate notes on the basis of the
actual number of days in an interest period and a 365-day year. The
first interest period will begin on and include March 29, 2017 and will
end on but exclude the first interest payment date of the floating rate
notes. The interest rate applicable to the first interest period will be
determined by the calculation agent on March 29, 2017.
If any interest payment date (other than the maturity date) of the
floating rate notes would fall on a day that is not a business day, that
interest payment date will be adjusted to the day that is the next
succeeding business day, unless that business day is in the next
succeeding month, in which case such interest payment date will be
the immediately preceding business day.
The maturity date for the floating rate notes will be March 29, 2022.
In the event March 29, 2022 is not a business day, the payment of
interest and principal in respect of the floating rate notes will be made
on the next succeeding day that is a business day, and no interest on
such payment shall accrue for the period from and after March 29,
2022.
We will pay 100% of the principal amount of the floating rate notes at
the maturity date.
See "Description of the Notes--Principal, Maturity and Interest for
the Floating Rate Notes" and "Description of the
Notes--Determination of Floating Interest Rate."
Security Numbers . . . . . . . . . . . . . . . . . . The security numbers for the floating rate notes are:
ISIN: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
XS1572744222
Common Code: . . . . . . . . . . . . . . . . . . . . . . .
157274422
Other Terms . . . . . . . . . . . . . . . . . . . . . . . For more information on the terms of the floating rate notes, see
"--General Terms of the Notes" and "Description of the Notes" in
this prospectus supplement and "Description of the Debt Securities"
in the accompanying prospectus.
Calculation Agent . . . . . . . . . . . . . . . . . . The Bank of New York Mellon, London Branch will act as
calculation agent for the floating rate notes.
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General Terms of the Notes
Issuer . . . . . . . . . . . . . . . . . . . . . . . . . . . . Sumitomo Mitsui Financial Group, Inc.
Securities Offered . . . . . . . . . . . . . . . . . . We will offer the notes set forth in the applicable pricing term sheet
and on the cover page of this prospectus supplement in accordance
with the terms set forth in the applicable pricing term sheet and in this
prospectus supplement and the accompanying prospectus.
The notes will be issued in fully registered form, without coupons, in
denominations of A$2,000 in principal amount and integral multiples
of A$1,000 in excess thereof (sales in Australia subject to a minimum
denomination of A$500,000).
Ranking . . . . . . . . . . . . . . . . . . . . . . . . . . The notes will constitute our direct, unconditional, unsecured and
unsubordinated general obligations and will at all times rank
pari passu without any preference among themselves and with all our
other unsecured obligations, other than our subordinated obligations
and except for statutorily preferred obligations. See "Description of
the Notes--General."
Redemption for Taxation Reasons . . . . . The notes of each series may be redeemed at our option, in whole, but
not in part, at any time, subject to prior confirmation of the Financial
Services Agency of Japan, or the FSA (if such confirmation is
required under applicable Japanese laws or regulations then in effect),
on giving not less than thirty (30) nor more than sixty (60) days'
notice of redemption to the holders (which notice shall be irrevocable
and shall conform to all requirements with respect to such notice as
set forth in the Indenture (as defined in "Description of the
Notes--General")) at a redemption price equal to 100% of the
principal amount of the relevant notes together with interest accrued
to the date fixed for redemption and any additional amounts thereon,
if we have been or will become obliged to pay additional amounts as
described under "Description of the Debt Securities--Taxation and
Additional Amounts" in the accompanying prospectus as a result of
any change in, or amendment to, the laws or regulations of Japan or
any political subdivision or any authority thereof or therein having
power to tax, or any change in application or official interpretation of
such laws or regulations, which change or amendment becomes
effective on or after the original issuance date of the notes of the
relevant series and such obligation cannot be avoided by the taking of
reasonable measures available to us; provided, that no such notice of
redemption shall be given sooner than ninety (90) days prior to the
earliest date on which we would be obliged to pay such additional
amounts were a payment then due in respect of the relevant notes. See
"Description of the Notes--Redemption for Taxation Reasons."
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Events of Default and Remedies . . . . . . . The following will be events of default with respect to the notes of a
series:
· Default shall be made for more than 15 days in the payment of
principal and premium, if any, and for more than 30 days in the
payment of interest in respect of any of the notes of such series;
· We shall have defaulted in the performance or observance of any
covenant, condition or provision contained in the notes of such
series or in the Indenture in respect of the notes of such series for a
period of 90 days after written notification requesting such default
to be remedied by us shall first have been given to us by the trustee
or holders of at least 25% in principal amount of the then
outstanding notes of such series; or
· Certain events of bankruptcy, insolvency, reorganization or
liquidation under bankruptcy, civil rehabilitation, reorganization or
insolvency law of Japan shall have occurred with respect to us or
an effective resolution shall have been passed by us for our
winding up or dissolution.
See "Description of the Notes--Events of Default and Remedies."
Each holder and the trustee acknowledge, consent and agree (a) for a
period of 30 days from and including the date upon which the Prime
Minister of Japan, or the Prime Minister, confirms that any of the
measures set forth in Article 126-2, Paragraph 1, Item 2 of the
Deposit Insurance Act of Japan, or the Deposit Insurance Act (or any
successor provision thereto), or Specified Item 2 Measures (tokutei
dai nigo sochi), should be applied to us, not to initiate any action to
attach any assets, the attachment of which has been prohibited by
designation of the Prime Minister pursuant to Article 126-16 of the
Deposit Insurance Act (or any successor provision thereto) and (b) to
any transfer of our assets (including shares of our subsidiaries) or
liabilities, or any portions thereof, with permission of a Japanese
court in accordance with Article 126-13 of the Deposit Insurance Act
(or any successor provision thereto), including any such transfer made
pursuant to the authority of the Deposit Insurance Corporation of
Japan, or the DIC, to represent and manage and dispose of our assets
under Article 126-5 of the Deposit Insurance Act (or any successor
provision thereto), and that any such transfer shall not constitute a
sale or disposal of our properties or assets for the purpose of the
restrictions described in "Description of the Debt Securities--
Consolidation, Merger, Sale or Conveyance" in the accompanying
prospectus.
Listing . . . . . . . . . . . . . . . . . . . . . . . . . . . We have made an application to the Luxembourg Stock Exchange to
list the notes on the official list of the Luxembourg Stock Exchange
and for such notes to be admitted to trading on the Luxembourg Stock
Exchange's Euro MTF Market.
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