August 9, 2018
Sony Financial Holdings Inc.

Summary Information on Sony Bank’s Financial Results
for the Three Months Ended June 30, 2018
<Contents>
1. Consolidated Balance Sheets
2. Consolidated Statements of Incomeand Consolidated Statements of Comprehensive Income

P.2

3. Non-consolidated Balance Sheets

P.4

4. Non-consolidated Statements of Income

P.5

5. Supplementary Information

P.6

P.3

(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 Ratings (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 Standrd)

P.8

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

11. Consolidated Balance Sheets(Millions of yen)
As of March 31, 2018
Assets:Cash and due from banks
Monetary claims purchased
Money held in trust
Securities
Loans
Foreign exchanges
Other assets
Tangible fixed assets
Intangible fixed assets
Deferred tax assets
Reserve for possible loan losses
Total Assets
Liabilities:Deposits
Call money and bills soldBorrowed money
Foreign exchanges
Other liabilities
Reserve for employees' bonuses
Net defined benefit liability
Provision for reimbursement of deposits
Total Liabilities
Net Assets:
Common stock
Capital surplus
Retained earnings
Total shareholders' equity
Net unrealized gains (losses) on other securities, net of taxes
Net deferred gains (losses) on hedging instruments, net of taxes
Remeasurements of defined benefit plans, net of taxes
Total accumulated other comprehensive income
Non-controlling interests
Total Net Assets
Total Liabilities and Net Assets

2

As of June 30, 2018287,752
5,378
21,000672,244
1,596,376
9,346
52,372
1,709
5,652
138
(806)
2,651,162

343,423
4,370
21,000718,060
1,620,159
10,59653,421
1,676
5,490
179
(877)
2,777,499

2,219,324
96,000180,000
228
66,071769
1,243
81
2,563,718

2,265,094
173,411
180,000
131
71,093
264
1,265
106
2,691,368

31,00021,00028,94880,9486,037(1,086)
(103)
4,847
1,648
87,444
2,651,162

31,00021,00028,18580,185
5,428(1,086)
(99)
4,242
1,702
86,1302,777,499

2. Consolidated Statements of Income and Consolidated Statements ofComprehensive Income(1) Consolidated Statements of Income(Millions of yen)
For the three months
ended June 30, 2018

For the three months
ended June 30, 2017
Ordinary Revenues

9,725

10,778Interest income

6,871

7,495

Interest income on loans

4,193

4,308

Interest income and dividends on securities

2,658

3,169

Fees and commissions

1,548

2,032

Other operating income

1,212

1,052

Other ordinary income

94

198

Ordinary Expenses

8,021

8,548

Interest expenses

1,966

1,916

1,266

1,511

Fees and commissions

1,528

1,978

Other operating expenses

15

1

4,474

4,504

37

146

1,703

2,230

－15－

15

1,703

2,215

Income Taxes—Current

327

460

Income Taxes—Deferred

203

225

Total Income Taxes

530

685

1,172

1,529

44

54

1,128

1,475

Interest expenses on deposits

General and administrative expenses
Other ordinary expenses
Ordinary Profit
Extraordinary Losses
Losses on disposal of fixed assets
Income Before Income Taxes

ProfitProfit Attributable to Non-controlling Interests
Profit Attributable to Owners of the Parent(2) Consolidated Statements of Comprehensive Income(Millions of yen)
For the three months
ended June 30, 2017
Profit

For the three months
ended June 30, 2018

1,172

1,529

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

245(608)

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

66

0Remeasurements of defined benefit plans, net of taxes

33315(604)

1,487

924

1,443

870

4454

Other Comprehensive Income

Total other comprehensive income
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 ofJune 30, 2017
(A)

As of
June 30, 2018
(B)

(Reference)
As ofMarch 31, 2018
(C)

Change(B-A)

Change(B-C)

Assets:Cash and due from banks

233,987

343,099+109,111

287,332+55,766

Monetary claims purchased

8,593

4,370

(4,222)

5,378(1,008)

Money held in trust

23,00021,000(2,000)21,000―

Securities

677,195

720,100+42,905

674,285+45,815

1,552,093

1,620,158+68,065

1,596,376+23,782

Foreign exchanges

9,223

10,596+1,373

9,346+1,250

Other assets

Loans

45,55738,496(7,060)37,103+1,392

Tangible fixed assets

364

1,158+793

1,204(46)Intangible fixed assets

2,985

3,711

+725

3,808

(97)

Deferred tax assets

303

45(258)―+45

Reserve for possible loan losses

(934)

(877)

+56(806)(71)

2,552,370

2,761,859+209,489

2,635,028+126,830

Deposits

2,147,882

2,265,095+117,213

2,219,325+45,770

Call money

105,000

173,411+68,41196,000+77,411

Borrowed money

160,000

180,000+20,000

180,000―

Total Assets
Liabilities:

Foreign exchanges

130

131+1228(96)

Other liabilities

57,09857,656+557

52,033+5,623

Reserve for employees' bonuses

221

215

(6)

687

(471)

Reserve for employees' retirement benefits

849

955+106

933+21Provision for reimbursement of deposits

64

106+41

81+24

Deferred tax liabilities

―

――

9(9)

2,471,247

2,677,573+206,325

2,549,299+128,273

Total Liabilities
Net Assets:Common stock

31,00031,000―31,000―Capital surplus

21,00021,000―21,000―Retained earnings

25,37327,943+2,57028,778(834)

Total shareholders' equity

77,373

79,943+2,57080,778(834)

Net unrealized gains (losses) onother securities, net of taxes

5,021

5,428+407

6,037(608)

Net deferred gains (losses) on
hedging instruments, net of taxes(1,271)(1,086)+185(1,086)+0Total valuation and translation adjustments

3,749

4,342+593

4,950(608)

Total Net Assets
Total Liabilities and Net Assets

81,122

84,286+3,16385,729(1,443)2,552,370

2,761,859+209,489

2,635,028+126,830

44. Non-consolidated Statements of Income(Millions of yen)
(Reference)
For the year ended
March 31, 2018

For the three months ended
June 30, 2017(A)

For the three months ended
June 30, 2018
(B)

Ordinary Revenues

8,844

9,722+878

36,270Interest income

6,871

7,495+624

28,344

Interest income on loans

4,193

4,308+115

17,064

Interest income and dividends on securities

2,658

3,169+510

11,204

Fees and commissions

667

976+3093,298

Other operating income

1,212

1,052(160)

3,823

Other ordinary income

94

198+104804

Ordinary Expenses

7,291

7,690+398

29,712

Interest expenses

1,966

1,916(49)7,730

Change(B-A)

Interest expenses on deposits

1,266

1,511+244

5,322

Fees and commissions

1,420

1,849+428

6,238

Other operating expenses

15

1(13)

109

3,851

3,776(75)

15,51537

146+108

118

1,552

2,032+479

6,557

―

―

―

74―

―

―

74

1,552

2,032+479

6,482

Income Taxes—Current

292

415+123

2,033

Income Taxes—Deferred190

213+22(25)Total Income Taxes

483629

+145

2,007

1,069

1,403

+333

4,474

General and administrative expenses
Other ordinary expenses
Ordinary Profit
Extraordinary Losses
Losses on disposal of fixed assets
Income Before Income Taxes

Net Income55. Supplementary Information(1) Deposits and Loans (Non-consolidated)

Deposits
Yen deposits
Ordinary deposits
Time deposits
Foreign currency deposits
Ordinary deposits
Time deposits
Loans
Mortgage loans
OthersFor the three months ended June 30, 2017

(Millions of yen, %)For the three months ended June 30, 2018

Balanceat the end

Balanceat the end

Averagebalance

2,147,882
1,794,367
661,118
1,132,871
353,515
173,123
180,348
1,552,093
1,467,061
85,032Yield

2,119,132
1,771,234
636,502
1,134,292
347,897
174,435
173,421
1,546,914
1,460,169
86,745

0.23
0.11
0.00
0.18
0.85
0.24
1.46
1.08
1.01
2.23

2,265,095
1,863,609
729,997
1,132,739
401,486
177,795
223,611
1,620,158
1,551,762
68,395

AveragebalanceYield

2,238,463
1,834,048
697,028
1,136,119404,414
181,606
222,749
1,609,490
1,538,967
70,523

0.27
0.10
0.00
0.16
1.04
0.37
1.59
1.07
0.99
2.68

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 June 30, 2017
ForeignYencurrency
388,686
119,522
253,197
29,712290,042
25,25758,9633,284
15,1582,566
49,7805
1,055,830
180,348(Millions of yen)
As of June 30, 2018
ForeignYen
Total
currency
397,147
144,032
541,179
257,146
35,684
292,830
290,698
33,892
324,591
38,5797,705
46,284
18,032
2,292
20,324
48,6894
48,693
1,050,292
223,611
1,273,904

Total
508,208
282,909315,299
62,24817,72549,786
1,236,178

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

(3) Balance of Securities by Ratings (Non-consolidated)(Millions of yen, %)As of June 30, 2018

As of June 30, 2017
Ratings
AAAAAABBB
Unlated
Total

Balance

BalanceComposition

215,780
118,717
307,216
28,657
6,823
677,195

31.9
17.5
45.4
4.2
1.0
100.0

Composition

281,846
98,423317,851
14,825
7,153
720,100

39.1
13.7
44.1
2.1
1.0
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
Investors Service, S&P Global Ratings, Ratings and Investment Information, Japan Credit Rating Agency and Fitch Ratings.
2. The unrated items on the above table include ￥5,102 million of investments in unrated investment trusts and ￥2,050 million ofinvestments in shares of a subsidiary.

(4) Risk-monitored Loans (Non-consolidated)(Millions of yen)
As of June 30, 2018

As of June 30, 2017
Category
Bankrupt loans
Non-accrual delinquent loans
Past due loans (3 months or more)
Restructured loans
Total

AmountAmount138
1,394－
1,198
2,731

121
1,201－7302,053

6

(5) Consolidated Capital Adequacy Ratio (Domestic Standard)(Millions of yen, %)As of June 30, 2018

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

80,185

Of which, Capital and capital surplus

52,000Of which, Retained earnings

28,185

Accumulated other comprehensive income included in core capital(79)

Of which, remeasurements of defined benefit plans(79)

Eligible capital instrument subject to transitional arrangements included in core capital:
instruments and reserves

9,184

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

1,021
(A)

Core capital: instruments and reserves

90,311

Core capital: regulatory adjustments
Total amount of intangible assets (excluding those relating to mortgage servicing rights)

3,047

761

Of which, Other intangible assets other than goodwill and mortgage servicing rights

3,047

761

822

－

Shortfall of eligible reserves to expected losses
Core capital: regulatory adjustments

(B)

3,869

(C)86,441

CapitalCapital((A) - (B))

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

497,406

Of which, Total amount included in risk-weighted assets subject to transitional arrangements(9,904)

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

761

Of which, Exposures to other financial institutions(10,666)

Total amount of operational risk equivalent / 8%

44,785Adjustment to credit risk-weighted assets

290,547

Total amount of risk-weighted assets(D)

832,739((C) / (D))

10.38%

Capital adequacy ratio
Capital adequacy ratio(Millions of yen)
As of June 30, 2018
Consolidated total capital requirements (Domestic standard) (Total Risk-Weighted Assets by 4%)

733,309(6) Non-consolidated Capital Adequacy Ratio (Domestic Standrd)(Millions of yen, %)As of June 30, 2018

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

79,943

Of which, Capital and capital surplus

52,000Of which, Retained earnings

27,943

Eligible capital instrument subject to transitional arrangements included in core capital:
instruments and reserves

9,184Core capital: instruments and reserves(A)

89,127

Core capital: regulatory adjustments
Total amount of intangible assets (excluding those relating to mortgage servicing rights)

2,059

514

Of which, Other intangible assets other than goodwill and mortgage servicing rights

2,059

514

822

－

Shortfall of eligible reserves to expected losses
Core capital: regulatory adjustments

(B)

2,882

(C)

86,245

CapitalCapital((A) - (B))

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

498,577

Of which, Total amount included in risk-weighted assets subject to transitional arrangements(10,151)

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

514

Of which, Exposures to other financial institutions(10,666)

Total amount of operational risk equivalent / 8%

39,244

Adjustment to credit risk-weighted assets

289,172

Total amount of risk-weighted assets(D)

826,995((C) / (D))

10.42%

Capital adequacy ratio
Capital adequacy ratio(Millions of yen)
As of June 30, 2018
Consolidated total capital requirements (Domestic standard) (Total Risk-Weighted Assets by 4%)

833,079