Book size: 2050; Registration: Reg S Only; Comments: EUR850m 5yr cpn fxd 2.875% at 100, yld 2.875%. Spread: MS+34bps. DBR 0% 02/15/31 + 47.2bps (Px 88.751%);

Reoffer: 5yr: MS+34bp / 100 / 2.875% Benchmark: 5yr: DBR 0% 15-Feb-31 @ 88.751% / B+47.2bp Final Books in excess of €2.05bn (incl. €225m JLM interest). Peak book in excess of €2.35bn+ (incl. €225m JLM interest) Launched: 5yr: €850m @ MS+34bp - Orderbooks in excess of €2.35bn+ (incl. €225m JLM interest) Spread set at: 5yr: MS+34bp - Orderbooks in excess of €2.35bn+ (incl. €225m JLM interest) Book Update: Orderbooks in excess of €1.75bn+ (incl. €225m JLM interest) Guidance: 5yr: MS+42a Issuer: Sumitomo Mitsui Banking Corporation (Ticker: SUMIBK) acting as trustee on behalf of a specified money trust Instruments: Contractual Covered Bond, backed by Self-originated Aaa-rated Prime Japanese residential mortgage RMBS Issuer Ratings: A1/A/A (Moody's/S&P/Fitch) Expected Covered Bond Rating: Aaa (Moody’s) Documentation: Issuer’s EUR 20bn Covered Bond Programme Format: Reg S Only, Registered Size: €850m Tenor: 5yr Maturity: 16-Feb-31 (Soft Bullet from Notice Date) Coupon: 2.875% Fixed, Annual, Act/Act (ICMA) Re-Offer: MS+34bp | Px 100 | Yld 2.875% Annual Benchmark: DBR 0% 15-Feb-31 + 47.2bp (Px 88.751%) Settlement: 16-Feb-26 Minimum Denoms: €100,000 x €1,000 Governing Law: English law Listing: Luxembourg Stock Exchange, Euro MTF Market Bookrunners: SMBC Nikko (B&D), Goldman Sachs International, Barclays, BNP Paribas, DZ BANK and Crédit Agricole CIB Net Roadshow: http://www.netroadshow.com Entry code: SMBC2026 ISIN: XS3272215743 Timing: TOE 15:50 CET | FTT 16:15 CET Advertisement: The Base Prospectus and the Supplemental Base Prospectuses are available on https://www.bourse.lu/programme/Programme-SumitMitsuBking/14507