August 11, 2009
Sony Financial Holdings Inc.

Summary Information on Sony Bank’s Financial Results
for the Three Months Ended June 30, 2009<Contents>(1) Non-consolidated Balance Sheets(2) Non-consolidated Statements of Income(3) Consolidated Balance Sheets(4) Consolidated Statements of Income(5) Supplementary Information
1. Balance of customer assets and number of accounts
2. Deposits and loans
3. Balance of time deposits by remaining period
4. Balance of securities by ratings
5. Problem loans based on the Financial Reconstruction Law
6. Non-consolidated Capital Adequacy Ratio (Domestic Criteria)
7. Consolidated Capital Adequacy Ratio (Domestic Criteria)

1

P.2
P.3
P.4
P.5
P.6
P.6
P.6
P.6
P.6
P.7
P.7
P.7

(1) Non-consolidated Balance Sheets
As of June 30, 2009
(A)

As of June 30, 2008
(B)

Change（A-B）（Millions of yen）
As of March 31,
Change2009 ( C )（A-C）

Assets:Cash and due from banks

28,145

9,298

18,847

11,705

16,440Call loans

34,786288,201(253,415)

49,909(15,123)

Monetary claims bought

28,602

3,501

25,101

16,163

12,439Securities

807,871

613,837194,034

823,174(15,303)Loans

510,878

372,646

138,232

477,072

33,806

Foreign exchanges

7,978

4,438

3,540

6,355

1,623

Other assets

13,457

16,734(3,277)

16,095(2,638)

561

532

29

504

57

Tangible fixed assets
Intangible fixed assets

2,355

1,719

636

2,324

31

Deferred tax assets

4,592

1,876

2,716

9,106

(4,514)

Reserve for possible loan losses

(548)

(293)

(255)

(456)

(92)

1,438,680

1,312,493

126,187

1,411,956

26,724

Deposits

1,330,926

1,241,247

89,6791,326,360

4,566Call money

22,60010,00012,60010,00012,600Borrowed money

2,000

2,000

0

2,000

0

Foreign exchanges

69(3)

8(2)

Total Assets
Liabilities:

29,484

17,59011,894

26,773

2,711

Reserve for employees' bonuses

93

70

23

274

(181)

Reserve for employees' retirement benefits

231

163

68

213

18

Other liabilities

Reserve for directors' retirement benefits

63

53

1061

2

1,385,406

1,271,135

114,271

1,365,692

19,714

Common stock

31,00028,0003,000

31,000‐Capital surplus

21,00018,0003,000

21,0000Retained earnings

5,867

7,050

(1,183)

5,586

281

Total shareholder' equity
Net unrealized gains (losses) on othersecurities, net oftaxes
Net deferred gains (losses) on hedging instruments, netof taxes

57,86753,0504,817

57,586281(3,195)(11,206)

8,011(9,688)6,493(1,397)

(486)

(911)

(1,633)236

Total valuation and translation adjustments(4,593)(11,692)

7,099(11,322)

6,729

Total Net Assets

53,27441,357

11,917

46,2647,010

1,438,680

1,312,493

126,187

1,411,956

26,724

Total Liabilities
Net Assets:Total Liabilities and Net Assets2(2) Non-consolidated Statements of Income（Millions of yen）
For the three months For the three months
ended June 30, 2009 ended June 30, 2008
(A)
(B)

For the year ended
March 31, 2009

Change(A-B)

Ordinary revenues

7,681

8,643

(962)

33,361

Interest income

5,894

5,163

731

22,044

Interest on loans

2,869

2,102

767

9,293

Interest and dividends on securities

2,842

2,294

548

10,452

524

432

92

2,171

1,245

2,992

(1,747)

9,035

1,190

2,279(1,089)

7,938

1555

(40)

111

7,1907,365(175)

32,947

Fees and commissions
Other operating income
Income from foreign exchange transactions,net
Other ordinary income
Ordinary expenses
Interest expenses

2,624

4,064(1,440)

15,397

Interest on deposits

2,286

3,907(1,621)

14,503

Fees and commissions

486

425

61

1,857

Other operating expenses

1,262

489

773

5,107

General and administrative expenses

2,725

2,325

400

10,309

92

61

31

274

Ordinary profit

Other ordinary expenses

490

1,277(787)414

Income before income taxes

490

1,277(787)414

Income taxes

208

‐‐

1,124-Current0003-Deferred

207

522

(315)

1,121

281

754(473)(710)

Net income3(3) Consolidated Balance Sheets（Millions of yen）
As of June 30, 2009

As of March 31, 2009

Cash and due from banks

28,451

12,164

Call loans and bills bought

34,78649,909

Monetary claims bought

28,602

16,163

Monetary trusts

1,221

1,220

Securities

804,871820,174Loans

510,878

477,072

Foreign exchanges

7,978

6,355

Other assets

13,47016,129Tangible fixed assets

578

521

Intangible fixed assets

2,680

2,668

Deferred tax assets

4,592

9,106

Reserve for possible loan losses

(548)

(456)

1,437,563

1,411,029

1,329,784

1,325,320

Call money and bills sold

22,60010,000Borrowed money

2,000

2,000

Foreign exchanges

6830,443

27,699Reserve for employees' bonuses

99

291

Reserve for employees' retirement benefits

231

213

Reserve for directors' retirement benefits

63

61

Reserve for financial instruments transaction liabilities

11

1,385,231

1,365,596

Common stock

31,00031,000Capital surplus

21,00021,000Retained earnings

4,925

4,754

Total shareholder' equity

56,92556,754

Net unrealized gains (losses) on other securities, net of taxes(3,195)(9,688)Net deferred losses on hedging instruments, net of taxes(1,397)(1,633)

Total valuation and translation adjustments(4,593)(11,322)

Total Net Assets

52,33245,432

1,437,563

1,411,029

Assets:Total Assets
Liabilities:
Deposits

Other liabilities

Total Liabilities
Net Assets:

Total Liabilities and Net Assets4(4) Consolidated Statements of Income（Millions of yen）
For the three months
ended June 30, 2009

For the three months
ended June 30, 2008

7,693

8,648

Ordinary revenues
Interest income

5,894

5,163

Interest on loans

2,869

2,102

Interest and dividends on securities

2,842

2,294

Fees and commissions

539

434

Other operating income

1,245

2,992

1,190

2,279

1458

Ordinary expenses

7,313

7,473

Interest expenses

2,624

4,063

Income from foreign exchange transactions
Other ordinary income

2,286

3,906

Fees and commissions

Interest expenses on deposits

491

436

Other operating expenses

1,262

489

General and administrative expenses

2,842

2,422

9262

Ordinary profit

380

1,175

Income before income taxes

380

1,175

Income taxes

Other ordinary expenses

209‐-Current

1

1-Deferred207

522

171

651

Net income5(5) Supplementary Information (Non-consolidated)
1. Balance of customer assets and number of accounts
As of June 30, 2009

1,423,712 million yen
736 thousand

Customer assets
Number of accounts

As of June 30, 2008

1,346,718 million yen
640 thousand

Note: Customer assets are the sum of deposits and investment trusts.

2. Deposits and loans
For the three months ended June 30, 2009

Deposits
Yen deposits
ordinary deposits
time deposits
Foreign currency deposits
ordinary deposits
time deposits
Loans
Mortgage loans
Other(Unit: Millions of yen, %)For the three months ended June 30, 2008

Balanceat the end

Averagebalance

Yield

Balanceat the end

AveragebalanceYield

1,330,926
1,032,718
281,029751,658
298,207
111,590
186,616
510,878
502,367
8,511

1,327,157
1,038,438
278,585
759,802
288,719
104,076
184,637
494,014
485,291
8,722

0.69
0.54
0.01
0.73
1.23
0.16
1.83
2.33
2.23
7.44

1,241,247
988,692
258,610730,064
252,555
71,533
181,021372,646
364,495
8,150

1,190,732
937,030
238,547
698,451
253,70273,242
180,460
355,003346,786
8,216

1.31
0.74
0.29
0.89
3.43
1.13
4.37
2.37
2.25
7.26

Note: The average balance of foreign currency deposits during the term is calculated as the average during the period of the yen equivalentvalue of each day’s foreign currency deposit balance.

3. Balance of time deposits by remaining period

Remaining periodLess than 3 months
3 months or more and less than 6 months
6 months or more and less than 1 year
1 year or more and less than 2 years
2 years or more and less than 3 years
3 years or more

Total

As of June 30, 2009
ForeignYencurrency
313,383
127,962
117,398
33,079234,419
20,89828,292
2,575
13,6302,078
19,15520
726,279
186,616

Total
441,346
150,478
255,318
30,86815,70919,175
912,896（Unit: Millions of yen）
As of June 30, 2008
ForeignYen
Total
currency
245,181
134,644379,826
113,053
22,859135,912291,301
19,868311,170
26,533
1,580
28,114
18,1982,054
20,253
17,86613
17,880712,135
181,021893,157

Note: The table above does not include installment time deposits.

4. Balance of securities by ratings

Ratings
AAAAAABBB
Less than BBB
P-1
unratedTotal

As of June 30, 2009
Balance Composition
556,053
68.8
93,504
11.6
124,287
15.4
23,596
2.9
982
0.1
9,447
1.2
807,871
100.0（Unit: Million yen, %）As of June 30, 2008
Balance Composition
366,764
59.7
82,682
13.5
133,120
21.7
18,258
3.0
1,999
0.3
11,012
1.8
613,837
100.0

Notes:1. Credit rating classifications are based on the standardized approach for risk weighting applicable under the bank capital requirements,
commonly referred to as Basel II. The external credit ratings used in applying the standardized approach to risk weighting for thesepurposes are the rating assigned by the following rating agencies: Moody's Investors Service, Inc., Standard & Poor's, Rating andInvestment Information, Inc., Japan Credit Rating Agency, Ltd. and Fitch Ratings Ltd.
2.The table above exclude 6,447 million yen of investments in unrated investment trusts and 3,000 million yen of investments in sharesof a subsidiary.

65.

Problem loans based on the Financial Reconstruction Law(Milllions of yen)
As of June 30, 2008
Amount114
240244598

As of June 30, 2009
AmountCategoryBankrupt loans
146
None-accrual delinquent loans
709
Past due loans (three months or more)
Restructured loans
61
916
Total

6.

Non-consolidated Capital Adequacy Ratio (Domestic Criteria)
CapitalAdequacy Ratio

Tier I Ratio%

Total Capital%Million yen

Tier I CapitalMillion yen

Total Required
CapitalMillion yen

As of June 30, 2009

13.41

12.92

60,091

57,867

17,914As of June 30, 2008

10.20

9.70

44,014

41,844

17,254As of March 31, 2009

13.37

12.88

59,79857,586

17,882

Notes:1. The non-consolidated capital adequacy ratio (domestic criteria) was calculated based on the standard stipulated in
the FSA public ministerial announcement No.19 of 2006. The capital adequacy ratio as of and after December 31,
2008, newly adopted the special exception of the standard mentioned above, in accordance with the FSA public
ministerial announcement no.79 of 2008. The capital adequacy ratio as of and after December 31, 2008, newly
adopted the special exception of the standard mentioned above, in accordance with the FSA public ministerial
announcement No. 79 of 2008.
2. Total required capital = risk-weighted assets × 4%

7. Consolidated Capital Adequacy Ratio (Domestic Criteria)
CapitalAdequacy Ratio

Tier I Ratio%

Total Capital%Million yen

Tier I Capital

Total Required
CapitalMillion yen

As of June 30, 2009

13.27

12.77

59,14956,925

17,818

As of June 30, 2008

10.15

9.64

43,566

41,396

17,159As of March 31, 2009

13.25

12.76

58,96656,754

17,788Notes:1. The Consolidated capital adequacy ratio (domestic criteria) was calculated based on the standard stipulated in
the FSA public ministerial announcement No.19 of 2006. The capital adequacy ratio as of and after December 31,2008, newly adopted the special exception of the standard mentioned above, in accordance with the FSA public
ministerial announcement no.79 of 2008. The capital adequacy ratio as of and after December 31, 2008, newly
adopted the special exception of the standard mentioned above, in accordance with the FSA public ministerialannouncement No. 79 of 2008.
2. Total required capital = risk-weighted assets ×4%

7