February 14, 2018
Sony Financial Holdings Inc.

Summary Information on Sony Bank’s Financial Results
for the Nine Months Ended December 31, 2017
<Contents>
1. Consolidated Balance Sheets
2. Consolidated Statements of Incomeand Consolidated Statements of Comprehensive Income

P.2
P.3

3. Non-consolidated Balance Sheets

P.4

4. Non-consolidated Statements of Income

P.5

5. Supplementary Information

P.6(1) Deposits and Loans (Non-consolidated)

P.6(2) Balance of Time Deposits by Remaining Period (Non-consolidated)

P.6(3) Balance of Securities by Rating (Non-consolidated)

P.6(4) Risk-monitored Loans (Non-consolidated)

P.6(5) Consolidated Capital Adequacy Ratio (Domestic Standard)

P.7(6) Non-consolidated Capital Adequacy Ratio (Domestic Standard)

P.8Disclaimer:This English translation is prepared for the readers' convenience. When there are any discrepancies between original Japaneseversion and English translation version, the original Japanese version always prevails.

11. Consolidated Balance Sheets(Millions of yen)
As ofDecember 31, 2017

As ofMarch 31, 2017
Assets:Cash and due from banks

180,581291,777

573

6,468

Money held in trust

23,00021,000

Securities

629,254

673,169

1,539,630

1,573,835

Foreign exchanges

7,268

9,357

Other assets

53,22360,332

Tangible fixed assets

710

1,674

Intangible fixed assets

4,803

4,878

Deferred tax assets

762

92

Reserve for possible loan losses

(971)

(823)

2,438,836

2,641,763

2,109,583

2,209,930

Call money and bills sold

70,000119,000

Borrowed money

103,000

160,000

Foreign exchanges

108

130

Other liabilities

71,52064,230

782

559

1,117

1,209

Reserve for directors' retirement benefits

56－

Provision for reimbursement of deposits

6266

Deferred tax liabilities－274

2,356,231

2,555,401

Common stock

31,00031,000Capital surplus

21,00021,000Retained earnings

25,81527,553

Total shareholders' equity

77,81579,553Net unrealized gains (losses) on other securities, net of taxes

4,776

6,484

Net deferred gains (losses) on hedging instruments, net of taxes(1,338)(1,172)Remeasurements of defined benefit plans, net of taxes

(109)

(100)

Total accumulated other comprehensive income

3,328

5,212

Non-controlling interests

1,460

1,596

Total Net Assets

82,60486,362

2,438,836

2,641,763

Monetary claims purchased

Loans

Total Assets
Liabilities:
Deposits

Reserve for employees' bonuses
Net defined benefit liability

Total Liabilities
Net Assets:

Total Liabilities and Net Assets

22. Consolidated Statements of Income and Consolidated Statements ofComprehensive Income(1) Consolidated Statements of Income
For the nine months
ended December 31, 2016

(Millions of yen)
For the nine months
ended December 31, 2017

Ordinary Revenues

28,51829,642

Interest income

19,617

21,179(Interest income on loans)

11,904

12,783(Interest income and dividends on securities)

7,660

8,340

Fees and commissions

5,085

4,900

Other operating income

3,651

2,855

Other ordinary income

164

706

Ordinary Expenses

25,212

24,534

Interest expenses

6,567

5,846

(Interest expenses on deposits)

3,842

3,928

Fees and commissions

3,993

5,011

Other operating expenses

7788

14,41013,507

162

81

3,305

5,107

6488

Losses on disposal of fixed assets

5788

Other extraordinary losses

7－

Income Before Income Taxes

General and administrative expenses
Other ordinary expenses
Ordinary Profit
Extraordinary Losses

3,2415,018

Income Taxes —Current

908

1,442

Income Taxes —Deferred

110

113

Total Income Taxes

1,018

1,556

Profit

2,223

3,462

Profit Attributable to Non-controlling Interests

65

134

Profit Attributable to Owners of the Parent

2,158

3,328

For the nine months
ended December 31, 2016

(Millions of yen)
For the nine months
ended December 31, 2017

2,223

3,462

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

1,029

1,708

Net deferred gains (losses) on hedging instruments, net of taxes

960

166

Remeasurements of defined benefit plans, net of taxes

1311

Total other comprehensive income

2,003

1,885

Comprehensive Income

4,227

5,347

4,159

5,211

67

136

(2) Consolidated Statements of Comprehensive Income

ProfitOther Comprehensive Income(Details)
Comprehensive income attributable to parent company
Comprehensive income attributable to non-controlling interests33. Non-consolidated Balance Sheets(Millions of yen)
As ofDecember 31, 2016
(A)

As of
December 31, 2017
(B)

193,312

291,070(Reference)
As ofMarch 31, 2017
(C)

Change(B-A)

Change(B-C)

Assets:Cash and due from banks
Monetary claims purchased
Money held in trust
Securities
Loans

97,757

177,468

113,602

651

6,468

5,817

573

5,895

23,00021,000(2,000)23,000(2,000)631,158

675,190

44,032

631,296

43,894

1,504,400

1,573,835

69,434

1,539,630

34,204Foreign exchanges

4,926

9,357

4,431

7,268

2,089

Other assets

32,22645,741

13,515

41,7703,970

Tangible fixed assets

585

1,238

652

398

840

Intangible fixed assets

2,967

3,144

176

3,170

(25)

Deferred tax assets

808－(808)

632(632)

Reserve for possible loan losses(1,079)(823)255(971)

148

2,392,958

2,626,223

233,264

2,424,236

201,987

2,117,341

2,213,433

96,091

2,112,985

100,447

Call money

40,000119,000

79,00070,00049,000Borrowed money

103,000

160,000

57,000103,000

57,000Total Assets
Liabilities:
Deposits

Foreign exchanges

130

130

0

108

21

Other liabilities

51,495

47,100(4,394)55,199(8,098)Reserve for employees' bonuses

515

513

(2)

705

(192)

Reserve for employees' retirement benefits

796

909

11281594

Reserve for directors' retirement benefits

25－(25)27(27)

Provision for reimbursement of deposits

5466

1262

3

Deferred tax liabilities
Total Liabilities

－

303

303

－

303

2,313,359

2,541,457

228,098

2,342,904

198,553

31,00031,000－31,000－Net Assets:
Common stock
Capital surplus

21,00021,000－21,000－Retained earnings

24,80927,453

2,644

25,893

1,559

Total shareholders' equity

76,80979,453

2,644

77,893

1,559

4,361

6,484

2,123

4,776

1,708

(1,570)(1,172)398(1,338)166

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

2,790

5,312

2,521

3,438

1,874

Total Net Assets

79,59984,766

5,166

81,332

3,434

2,392,958

2,626,223

233,264

2,424,236

201,987

Total Liabilities and Net Assets

44. Non-consolidated Statements of Income(Millions of yen)
For the nine months ended
December 31, 2016
(A)

For the nine months ended
December 31, 2017
(B)

(Reference)
For the year ended
March 31, 2017

Change(B-A)

Ordinary Revenues

25,96326,935971

35,105Interest income

19,61821,1791,561

26,534(Interest income on loans)

11,904

12,783878

16,066(Interest income and dividends on securities)

7,660

8,340

680

10,394

Fees and commissions

2,530

2,193(336)3,465Other operating income

3,651

2,855

(795)

4,871

(Gains on foreign exchange transactions)

3,269

2,542

(727)

4,431

164

706

541

234

Ordinary Expenses

22,92722,299(627)

30,470Interest expenses

6,567

5,846

(721)

8,671

(Interest expenses on deposits)

3,842

3,928

85

5,105

Fees and commissions

3,645

4,676

1,031

5,046

Other operating expenses

77

88

1086

12,476

11,607(868)16,524161

81(80)

141

3,035

4,635

1,599

4,634
150

Other ordinary income

General and administrative expenses
Other ordinary expenses
Ordinary Profit－

73

73

Losses on disposal of fixed assets

－73

73

－

Impairment losses

－－

－

150

Extraordinary Losses

Income Before Income Taxes

3,035

4,561

1,525

4,484

Income Taxes —Current

833

1,302

468

1,307

Income Taxes —Deferred

110

108

(1)

1

Total Income Taxes

944

1,411

467

1,308

2,091

3,150

1,058

3,176

Net Income(Reference) Non-consolidated Statements of Income for the three months ended December 31, 2017
(Millions of yen)
For the three months ended
December 31, 2016
(A)

For the three months ended
December 31, 2017
(B)

Ordinary Revenues

9,040

8,890

(149)

Interest income

6,861

7,174

313

(Interest income on loans)

4,118

4,325

206

(Interest income and dividends on securities)

2,722

2,830

107

Fees and commissions

713

829

115

Other operating income

1,426

750(675)(Gains on foreign exchange transactions)

1,216

695

(520)

38

135

97

Ordinary Expenses

7,628

7,679

51

Interest expenses

2,221

1,923(298)(Interest expenses on deposits)

1,324

1,344

20

Fees and commissions

1,324

1,751

426

Other ordinary income－

39

39

4,063

3,931(132)

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

18

34

16

1,411

1,211(200)

－

77－

77

1,411

1,203(208)

465

384

(81)

Extraordinary Losses
Losses on disposal of fixed assets
Income Before Income Taxes
Income Taxes —Current

Change(B-A)

Income Taxes —Deferred(25)(11)

13Total Income Taxes

440

373(67)Net Income971

830

(140)

55. Supplementary Information(1) Deposits and Loans (Non-consolidated)(Millions of yen, %)For the nine months ended December 31, 2016

Deposits
Yen deposits
Ordinary deposits
Time deposits
Foreign currency deposits
Ordinary deposits
Time deposits
Loans
Mortgage loans
OthersBalanceat the end
2,117,341
1,772,154
633,155
1,138,724
345,187
174,545
170,598
1,504,400
1,409,005
95,394

Averagebalance
1,973,181
1,636,079
540,692
1,095,121
337,101
176,524
160,551
1,425,473
1,322,065
103,408

Yield
0.250.14
0.00
0.21
0.80
0.16
1.52
1.10
1.06
1.60

For the nine months ended December 31, 2017

Balanceat the end
2,213,433
1,847,013
711,298
1,134,914
366,419
168,097
198,246
1,573,835
1,495,271
78,563

Averagebalance2,150,436
1,793,347
660,096
1,132,696
357,089
172,355
184,684
1,555,699
1,471,985
83,713

Yield
0.24
0.11
0.00
0.17
0.89
0.26
1.48
1.09
1.02
2.32

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.

(2) 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 December 31, 2016
ForeignYen
Total
currency
459,108
118,773
577,882
151,533
28,391
179,924
337,658
18,745356,40353,62750,786
2,840
9,316
1,829
11,14656,257
17
56,274
1,064,660
170,598
1,235,259(Millions of yen)
As of December 31, 2017
Foreign
Total
Yen
currency
447,682
127,264
574,947
162,660
35,262
197,922338,393
28,428366,821
38,357
4,589
42,946
14,8042,701
17,50552,243052,244
1,054,141
198,246
1,252,387

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

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

Ratings
AAAAAABBB
Unlated
Total

As of December 31, 2016
BalanceComposition
147,786
23.4
173,74527.5
281,398
44.6
21,6333.4
1.1
6,594
631,158
100.0(Millions of yen, %)As of December 31, 2017
BalanceComposition
233,33934.5
106,605
15.8
304,45345.1
23,319
3.5
1.1
7,472
675,190
100.0

Notes:
1. Sony bank uses the Basel III standardized approach and classifies its securities, based on rating by fiverating agencies: Moody's Investors Service, Standard & Poor's, Rating and Investment Information,
Japan Credit Rating Agency and Fitch Ratings.
2. The unrated items on the above table include ￥5,422 million of investments in unrated investment
trusts and ￥2,050 million of investments in shares of a subsidiary.

(4) Risk-monitored Loans (Non-consolidated)
As of December 31, 2016
Category
Amount158
Bankrupt loans
1,497
Non-accrual delinquent loans－Past due loans (3 months or more)
1,241
Restructured loans
2,897
Total

6

(Millions of yen)
As of December 31, 2017
Amount157
1,037－933
2,128

(5) Consolidated Capital Adequacy Ratio (Domestic Standard)(Millions of yen, %)As ofDecember 31, 2017

Amounts excluded undertransitional arrangementsCore capital: instruments and reserves
Directly issued qualifying common share capital or preferred share capital witha compulsory conversion clause plus related capital surplus and retained earnings

79,553

Of which, Capital and capital surplus

52,000Of which, Retained earnings

27,553

Accumulated other comprehensive income included in core capital(60)

Of which, Remeasurements of defined benefit plans(60)

Eligible capital instruments subject to transitional arrangement included in Core Capital:
instruments and reserves

10,000Non-controlling interests included in Core Capital subject to transitional arrangements

1,117Core capital: instruments and reserves(A)90,611

Core capital: regulatory adjustments
Total amount of intangible assets (excluding those relating to mortgage servicing rights)
Of which, Other intangible assets other than goodwill and mortgage servicing rights
Shortfall of eligible reserves to expected losses
Core capital: regulatory adjustments

2,023

1,349

2,023

1,349

1,224

－(B)

3,248

(C)

87,362

CapitalCapital((A) - (B))

Risk-weighted assets
Total amount of credit risk-weighted assets

511,629

Of which, Total amount included in risk-weighted assets subject to transitional arrangements(9,564)

Of which, Intangible assets other than goodwill and mortgage servicing rights

1,349

Of which, Exposures to other financial institutions(10,913)

Total amount of operational risk equivalent / 8%

44,798Adjustment to credit risk-weighted assets

369,535

Total amount of risk-weighted assets(D)

925,963((C) / (D))

9.43%

Consolidated capital adequacy ratio
Consolidated capital adequacy ratio(Millions of yen)AmountConsolidated total capital requirements (Domestic standard) (Total Risk-Weighted Assets by 4%)

737,038(6) Non-consolidated Capital Adequacy Ratio (Domestic Standard)(Millions of yen, %)As ofDecember 31, 2017

Amounts excluded undertransitional arrangementsCore capital: instruments and reserves
Directly issued qualifying common share capital or preferred share capital witha compulsory conversion clause plus related capital surplus and retained earnings

79,453

Of which, Capital and capital surplus

52,000Of which, Retained earnings

27,453

Eligible capital instruments subject to transitional arrangement included in Core Capital:
instruments and reserves

10,000Core capital: instruments and reserves(A)89,453

Core capital: regulatory adjustments
Total amount of intangible assets (excluding those relating to mortgage servicing rights)
Of which, Other intangible assets other than goodwill and mortgage servicing rights
Shortfall of eligible reserves to expected losses
Core capital: regulatory adjustments

1,304

869

1,304

869

1,224－(B)

2,529

(C)

86,924

CapitalCapital((A) - (B))

Risk-weighted assets
Total amount of credit risk-weighted assets

513,053

Of which, Total amount included in risk-weighted assets subject to transitional arrangements(10,043)

Of which, Intangible assets other than goodwill and mortgage servicing rights

869

Of which, Exposures to other financial institutions(10,913)

Total amount of operational risk equivalent / 8%

39,521

Adjustment to credit risk-weighted assets

365,481

Total amount of risk-weighted assets(D)

918,056((C) / (D))

9.46%

Non-consolidated capital adequacy ratio
Non-consolidated capital adequacy ratio(Millions of yen)AmountNon-consolidated total capital requirements (Domestic standard) (Total Risk-Weighted Assets by 4%)

836,722