November 12, 2015
Sony Financial Holdings Inc.

Summary Information on Sony Bank’s Financial Results
for the Six Months Ended September 30, 2015
<Contents>
1. Consolidated Balance Sheets
2. Consolidated Statements of Income and Consolidated Statements ofComprehensive Income

P.2
P.3

(1) Consolidated Statements of Income

P.3(2) Consolidated Statements of Comprehensive Income

P.3

3. Fair Value Information (Consolidated)

P.4

4. Non-consolidated Balance Sheets

P.5

5. Non-consolidated Statements of Income

P.6

6. Supplementary Information

P.7(1) Interest spread (Non-consolidated)

P.7(2) Deposits and loans (Non-consolidated)

P.7(3) Balance of time deposits by remaining period (Non-consolidated)

P.8(4) Balance of securities by ratings (Non-consolidated)

P.8(5) Loans by Borrower Category (Non-consolidated)

P.8(6) General and Administrative Expenses (Non-consolidated)

P.9(7) Number of Executives and Employees (Non-consolidated)

P.9(8) Non-consolidated Capital Adequacy Ratio (Domestic Criteria)

P.10(9) Consolidated Capital Adequacy Ratio (Domestic Criteria)

P.101

1. Consolidated Balance Sheets(Millions of yen)
As of
September 30, 2015

As ofMarch 31, 2015
Assets:Cash and due from banks

101,248

47,096

Call loans and bills bought

6,000

6,000

Monetary trusts

23,56523,000

Securities

727,962

630,176

1,187,187

1,266,766

Foreign exchanges

2,224

2,083

Other assets

21,442

29,284

Tangible fixed assets

1,151

1,131

Intangible fixed assets

4,670

4,651

Deferred tax assets

324

1,550

(1,154)(1,219)2,074,623

2,010,520

1,878,256

1,794,404

Call money and bills sold

6,000

6,000

Borrowed money

40,00060,000Foreign exchanges4685

70,507

71,418Reserve for employees' bonuses

753

401

Net defined benefit liability

904

950

Reserve for directors' retirement benefits

67

33

Provision for reimbursement of deposits

23

31

1,996,559

1,933,323

Common stock

31,00031,000Capital surplus

21,00021,000Retained earnings

20,51422,755

Total shareholders' equity

72,51474,755Net unrealized gains (losses) on other securities, net of taxes

6,618

3,354

Net deferred gains (losses) on hedging instruments, net of taxes(2,269)(2,137)01(91)(87)

Total accumulated other comprehensive income

4,258

1,130

Non-controlling interests

1,292

1,310

Total Net Assets

78,064

77,1962,074,623

2,010,520

Loans

Allowance for loan losses
Total Assets
Liabilities:
Deposits

Other liabilities

Total Liabilities
Net Assets:

Foreign currency translation adjustment
Remeasurements of defined benefit plans, net of taxes

Total Liabilities and Net Assets

22. Consolidated Statements of Income and Consolidated Statements ofComprehensive Income(1) Consolidated Statements of Income(Millions of yen)
For the six months
ended September 30, 2015

For the six months
ended September 30, 2014
Ordinary Revenues

18,65519,020Interest income

13,121

12,612(Interest income on loans)

6,994

7,192

(Interest income and dividends on securities)

6,075

5,386

Fees and commissions

2,591

3,301

Other operating income

2,776

2,865

Other ordinary income

166

240

Ordinary Expenses

15,386

15,610Interest expenses

4,884

4,600

(Interest expenses on deposits)

2,548

2,405

Fees and commissions

1,736

1,806

Other operating expenses
General and administrative expenses
Other ordinary expenses
Ordinary Profit83

125

8,671

8,913

101643,268

3,409-3

3,268

3,406

973

1,053

Extraordinary Losses
Income Before Income Taxes
Income Taxes —current
Income Taxes —deferred

22194

Total Income Taxes

1,195

1,147

Profit

2,073

2,258

Profit Attributable to Non-controlling Interests

1616

Profit Attributable to Owners of the Parent

2,057

2,241

(2) Consolidated Statements of Comprehensive Income(Millions of yen)
For the six months
ended September 30, 2014

For the six months
ended September 30, 2015

2,073

2,258

Net unrealized gains (losses) on other securities, net of taxes(887)(3,263)Net deferred gains (losses) on hedging instruments, net of taxes

64132

Foreign currency translation adjustment

00

Remeasurements of defined benefit plans, net of taxes

35

Total other comprehensive income(818)(3,126)Comprehensive Income

1,255(867)

1,237(885)

1718

ProfitOther Comprehensive Income(Details)
Comprehensive income attributable to ownwrs of the parent
Comprehensive income attributable to non-contorolling interests33. Fair Value Information (Consolidated)(1) Fair value information on securitiesi) Held-to-maturity bonds (As of September 30, 2015)(Millions of yen)
Balance sheet amount

Fair value

Difference

7,976
292
8,268

8,250
304
8,554

273
12286

8,268

8,554

286

Held-to-maturity bonds of which fair value exceeds
balance sheet amountJapanese government bonds
Japanese corporate bonds
Subtotal
Held-to-maturity bonds of which fair value does not exceedbalance sheet amountJapanese government bonds
Japanese corporate bonds
Subtotal
Totalii) Available-for-sale securities (As of September 30, 2015)(Millions of yen)

Available-for-sale securities of which balance sheet amountexceeds acquisition cost
Bonds
Japanese government bonds
Japanese municipal bonds
Japanese corporate bonds
OthersForeign bonds
OthersSubtotal

Balance sheet
amountAcquisition cost

Difference

163,650
58,74837,81467,087
283,856
279,663
4,193
447,507

157,126
55,32536,431
65,369278,241
275,955
2,286
435,368

6,524
3,423
1,382
1,717
5,614
3,707
1,907
12,13917,926
15,9301,996
156,474
156,474
174,400
621,907

18,19016,1902,000
157,221
157,221
175,412610,780

(264)
(260)
(3)
(747)
(747)
(1,012)
11,126

Available-for-sale securities of which balance sheet amountdose not exceed acquisition cost
Bonds
Japanese government bonds
Japanese municipal bonds
Japanese corporate bonds
OthersForeign bonds
OthersSubtotalTotal(2) Fair value information on monetary trustsi) Other monetary trusts (As of September 30, 2015)(Millions of yen)

Other monetary trusts

Balance sheetamountAcquisition
cost

Difference

23,00023,000-Of which,
Of which,balance sheet amount balance sheet amount does
exceeds acquisition cost not exceed acquisition cost

Note: “Difference” consists of “Of which, balance sheet amount exceeds acquisition cost” and “Of which,balance sheet amount does not exceed acquisition cost.”

4--3. Non-consolidated Balance Sheets(Millions of yen)
As of
As of
September 30, 2014 September 30, 2015
(A)
(B)

As ofMarch 31, 2015
(C)

Change(B-A)

Change(B-C)

Assets:Cash and due from banks

87,16043,958(43,202)

96,978(53,019)

Call loans

6,000

6,000-6,000-

Monetary trusts

21,51423,000+1,48523,565(565)

Securities

764,796

632,226(132,569)

730,013(97,786)

1,092,110

1,266,766+174,655

1,187,187+79,579

Foreign exchanges

6,499

2,083

(4,415)2,224(140)

Other assets

Loans

16,243

20,332+4,088

13,794+6,538

Tangible fixed assets

694742+48774(32)

Intangible fixed assets

2,658

3,037+378

2,967+69-

1,416+1,416174+1,242

Deferred tax assets
Allowance for loan losses
Total Assets(1,424)(1,219)+204(1,154)(65)

1,996,253

1,998,343+2,0902,062,525(64,181)

1,824,664

1,795,204(29,460)

1,878,256(83,051)

Liabilities:
Deposits
Call money

6,000

6,000-6,000-

Borrowed money

40,00060,000+20,000

40,000+20,000

Foreign exchanges

8885(3)

46+38

50,322

59,772+9,45059,735+37

Reserve for employees' bonuses

331

336+5686(349)Reserve for employees' retirement benefits

609

706+96

658+47

Reserve for directors' retirement benefits

49

15(33)

53(38)

Provision for reimbursement of deposit

-

31+31

23+7

Provision for point card certificates

75-

(75)

--

Deferred tax liabilities

94-

(94)

--

1,922,236

1,922,152(84)

1,985,461(63,308)

Common stock31,000

31,000-31,000-Capital surplus

21,00021,000-21,000-Retained earnings

18,15622,974+4,81820,715+2,259

Total shareholders' equity

70,15674,974+4,81872,715+2,259

6,368

3,354

(3,013)6,618(3,263)(2,506)(2,137)+369(2,269)

+132

3,861

1,217

(2,643)

4,348(3,131)

74,017

76,191+2,17477,064(872)

1,996,253

1,998,343+2,0902,062,525(64,181)

Other liabilities

Total Liabilities
Net Assets:

Net unrealized gains (losses) onother securities, net of taxes
Net deferred gains (losses) on
hedging instruments, net of taxes
Total valuation and translation adjustments
Total Net Assets
Total Liabilities and Net Assets

54. Non-consolidated Statements of Income(Millions of yen)
(Reference)
For the year ended
March 31, 2015

For the six months ended
September 30, 2014
(A)

For the six months ended
September 30, 2015
(B)

Ordinary Revenues

17,336

17,572+235

35,714

Interest income

13,121

12,612(508)

26,132(Interest income on loans)

6,994

7,192+197

14,070(Interest income and dividends on securities)

6,075

5,386(689)

11,960Fees and commissions

1,272

1,853+580

3,372

Other operating income

2,776

2,865+89

5,997(Gains on foreign exchange transactions)

1,393

2,161+767

3,906

166

240+73212

Ordinary Expenses

14,09014,188+97

28,416

Interest expenses

4,883

4,600(282)9,540(Interest expenses on deposits)

2,548

2,405(142)5,012Fees and commissions

1,584

1,652+67

3,345

Other ordinary income

Other operating expenses
General and administrative expenses
Other ordinary expenses
Ordinary Profit
Extraordinary Losses
Impairment lossesLosses on transfer of business
Income Before Income Taxes

Change(B-A)

82

125+43134

7,530

7,647+116

15,34610163+153

49

3,245

3,383+138

7,298+13893
60
32
7,205
2,418--

3,245

3,383

Income Taxes -current

967

1,044+76

Income Taxes -deferred203

80(122)

152

Total Income Taxes

1,170

1,124(45)2,571Net Income

2,075

2,259+184

4,634(Reference) Non-consolidated Statements of Income for the three months ended September 30, 2015
(Millions of yen)
For the three months ended For the three months ended
September 30, 2014September 30, 2015(A)(B)

Change(B-A)

Ordinary Revenues

8,690

8,923+232

Interest income

6,585

6,289(296)(Interest income on loans)

3,516

3,634+117(Interest income and dividends on securities)

3,046

2,643(402)Fees and commissions

705

1,015+310

Other operating income

+104

1,382

1,486

(Gains on foreign exchange transactions)

827

1,173+345

Other ordinary income

17132+114

Ordinary Expenses

7,155

7,401+246

Interest expenses

2,482

2,252(229)(Interest expenses on deposits)

1,322

1,161(160)

Fees and commissions

795

821+25

Other operating expenses

54125+70

3,817

4,104+286

General and administrative expenses

497+92

Ordinary Profit

Other ordinary expenses

1,534

1,521

(13)

Income Before Income Taxes

1,534

1,521

(13)

Income Taxes —current

714

681

(32)

Income Taxes —deferred(150)

(168)

(17)

Total Income Taxes

563513(49)

Net Income971

1,007

+356

5. Supplementary Information(1) Interest spread (Non-consolidated)(%)
For the six months ended
September 30, 2015

For the six months ended
September 30, 2014
Yield on investment ①
Yield on loansYield on securities
Financing cost②
Yield on financing ③
Yield on deposits

1.26
1.17
1.54
1.29
0.48
0.25
0.54
0.81
0.78(0.02)

1.34
1.30
1.56
1.32
0.52
0.27
0.56
0.81
0.81
0.01

Yield on external liabilities*
Expense ratio
Interest spread①－③①－②
Overall profit margin
Note: External liabilities are equal to a total of call money and borrowed money.

(2) Deposits and Loans (Non-consolidated)(Millions of yen, %)For the six months ended
September 30, 2015

For the six months ended
September 30, 2014

DepositsYen deposits
Ordinary deposits
Time deposits
Foreign currency deposits
Ordinary deposits
Time deposits
Loans
Mortgage loans
OthersBalanceat the end

Averagebalance

Yield

Balanceat the end

AveragebalanceYield

1,824,664
1,483,841
478,954
1,004,859
340,823
165,909
174,913
1,092,110
983,287
108,822

1,831,603
1,471,215
460,674
1,010,496
360,387
183,633
176,749
1,071,058
962,160
108,898

0.27
0.17
0.01
0.24
0.69
0.11
1.30
1.30
1.35
0.82

1,795,204
1,476,414
532,021944,375
318,790
169,911
148,879
1,266,766
1,154,436
112,329

1,856,968
1,539,355
533,584
1,005,716
317,612161,395
156,217
1,223,701
1,109,572
114,129

0.25
0.13
0.01
0.20
0.83
0.13
1.55
1.17
1.21
0.76

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

7(3) Balance of Time Deposits by Remaining Period (Non-consolidated)

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

Total

As of September 30, 2014
ForeignYen
Total
currency
54,311
97,425
151,736
523,01139,868562,880
265,001
26,265291,266
31,3506,111
37,462
6,585
4,619
11,20461,439623
62,063
941,700 174,913
1,116,614(Millions of yen)
As of September 30, 2015
ForeignYen
Total
currency
56,081
82,650138,731501,130
33,241
534,372
211,972
23,218235,190
19,647
6,919
26,5669,092
2,704
11,797
79,294
144
79,439877,219
148,879
1,026,098

Note: The table above does not include thrift saving deposits.

(4) Balance of Securities by Rating (Non-consolidated)

Ratings
AAAAAABBB
P-1
Unrated
Total

As of September 30, 2014
BalanceComposition
134,53417.6
287,065
37.5
295,067
38.6
32,132
4.2
9,991
1.3
6,004
0.8
100.0
764,796(Millions of yen, %)As of September 30, 2015
BalanceComposition
118,56718.8
172,806
27.3
323,632
51.2
10,976
1.7
6,244
1.0
632,226
100.0

Notes:1. Sony bank uses the Basel III standardized approach and classifies its securities, based on rating by five rating agencies: Moody's InvestorsService, Standard & Poor's, Rating and Investment Information, Japan Credit Rating Agency and Fitch Ratings.
2. The unrated items on the above table include ￥4,193 million of investments in unrated investment trusts and ￥2,050 million ofinvestments in shares of a subsidiary.

(5) Loans by Borrower Category (Non-consolidated)

Category
Bankrupt and quasi-bankrupt loans
Doubtful loans
Sub-standard loans
Normal loansTotal

As of September 30, 2014
Amount
824
914
1,733
1,096,963
1,100,436

8(Millions of yen)
As of September 30, 2015
Amount
671
1,002
1,447
1,266,339
1,269,461

(6) General and Administrative Expenses (Non-consolidated)
For the six months ended
September 30, 2014
Personnel expenses
Non-personnel expenses
Depreciation and amortization
Taxes
Total

Amount
2,091
5,078
601
360
7,530%
27.8
67.4
8.0
4.8
100.0

(Millions of yen, %)For the six months ended
September 30, 2015
Amount
2,146
5,060
599
440
7,647%
28.1
66.27.8
5.7100.0(7) Number of Executives and Employees (Non-consolidated)
As of September 30, 2014
963438

Executive management
Directors
Statutory auditors
Employees(Persons)
As of September 30, 2015
963460Notes:1.The number of directors include one outside director and the number of statutory auditors include two nonexecutive statutory auditors.
2.The number of employees exclude temporary employees and subcontracted employees seconded to Sony Bank.

9(8) Non-consolidated Capital Adequacy Ratio (Domestic Criteria)

Capital Adequacy RatioTotal Capital
Total Required Capital

As of September 30, 2014
11.80
90,82030,782As of March 31, 2015
10.66
90,91334,096(Millions of yen, %)As of September 30, 2015
10.59
93,18935,194

Note: The non-consolidated capital adequacy ratio (domestic criteria) was calculated based on the standard stipulated
by Article 14-2 of the Banking Act, in accordance with FSA Notification No. 19 (2006).

(9) Consolidated Capital Adequacy Ratio (Domestic Criteria)

Capital Adequacy Ratio
Total Capital
Total Required Capital

As of September 30, 2014
11.79
91,80331,129As of March 31, 2015
10.63
91,53534,429(Millions of yen, %)As of September 30, 2015
10.56
93,86035,529Note: The consolidated capital adequacy ratio (domestic criteria) was calculated based on the standard stipulated
by Article 14-2 of the Banking Act, in accordance with FSA Notification No. 19 (2006).

10