February 14, 2011
Sony Financial Holdings Inc.

Summary Information on Sony Bank’s Financial Results
for the Nine Months Ended December 31, 2010
<Contents>(1) Consolidated Balance Sheets

P.2(2) Consolidated Statements of Income

P.3(3) Non-consolidated Balance Sheets

P.4(4) Non-consolidated Statements of Income

P.5(5) Supplementary Information

P.6

1. Balance of customer assets and number of accounts (Non-consolidated)

P.6

2. Deposits and loans (Non-consolidated)

P.6

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

P.6

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

P.6

5. Risk-Monitored Loans (Non-consolidated)

P.7

6. Non-consolidated Capital Adequacy Ratio (Domestic Criteria)

P.7

7. Consolidated Capital Adequacy Ratio (Domestic Criteria)

P.7

(1) Consolidated Balance Sheets(Millions of yen)
As ofMarch 31, 2010

As of
December 31, 2010
Assets:Cash and due from banks

52,85851,501

Call loans and bills bought

10,00055,079

Monetary claims purchased-3,292

Monetary trusts

13,131

11,970

Securities

947,381877,133

Loans

681,472

586,870

Foreign exchanges2,699

5,100

Other assets

22,402

15,964

Tangible fixed assets

766

649

Intangible fixed assets

3,098

3,385

Deferred tax assets

2,138

1,364

Allowance for loan losses(1,124)(807)

1,734,825

1,611,506

1,608,836

1,509,488

Call money and bills sold

20,00010,000Borrowed money

2,000

2,000

Foreign exchanges

1520

45,962

31,527

Reserve for employees' bonuses

357

459

Reserve for employees' retirement benefits

366

299

Reserve for directors' retirement benefits

74

70

Reserve under Specific Law

32

1,677,616

1,553,867

Common stock

31,00031,000Capital surplus

21,00021,000Retained earnings

6,735

5,882

Total shareholders' equity

58,73557,882793

900

Net deferred losses on hedging instruments, net of taxes(2,319)(1,143)

Total valuation and translation adjustments(1,526)(243)

Total Net Assets

57,20957,6381,734,825

1,611,506

Total Assets
Liabilities:
Deposits

Other liabilities

Total Liabilities
Net Assets:

Net unrealized gains on other securities, net of taxes

Total Liabilities and Net Assets

2(2) Consolidated Statements of Income(Millions of yen)
For the nine months ended
December 31, 2009

For the nine months ended
December 31, 2010

Ordinary Revenues

22,94922,408Interest income

17,592

17,664(Interest income on loans)

8,918

9,251

(Interest income and dividends on securities)

8,291

8,317

Fees and commissions

1,506

1,448

Other operating income

3,832

3,268

(Gains on foreign exchange transactions)

3,556

2,258

1726

Ordinary Expenses

20,98920,478Interest expenses

7,651

8,126

(Interest expenses on deposits)

6,347

6,567

Fees and commissions

1,475

1,590

Other operating expenses2,709

489

General and administrative expenses

8,934

9,840

219

432

1,959

1,929

73

11

Other ordinary income

Other ordinary expenses
Ordinary Profit
Extraordinary Losses
Losses on disposal of tangible fixed assets

73

Loss on adjustment for changes of accounting standard for
asset retirement obligations-Income Before Income Taxes

11

1,886

1,918

Income Taxes -current

242

1,098

Income Taxes -deferred

685

(33)

Total Income Taxes

928

1,064

Net Income

958

853

3

(3) Non-consolidated Balance Sheets(Millions of yen)
As ofAs of
December 31, 2009 December 31, 2010
(A)
(B)

As ofMarch 31, 2010
(C)

Change(B-A)

Change(B-C)

Assets:Cash and due from banks

128,257

51,799(76,458)

51,184614

Call loans

56,841

10,000(46,841)

55,079(45,079)

Monetary claims purchased

4,010(4,010)3,292(3,292)

11,61011,61010,750860

Monetary trusts--Securities

783,205

952,381

169,176

880,133

72,247

Loans

562,648

681,053

118,404

586,654

94,398Foreign exchanges

4,792

2,699

(2,092)5,100(2,400)

Other assets

18,31522,2753,960

15,8186,457

Tangible fixed assets

657

754

96

637

116

Intangible fixed assets

2,404

2,769

364

2,977

(207)

Deferred tax assets

1,740

2,138

397

1,364

773

Allowance for loan losses(648)(1,124)

(476)

(807)

(316)

1,562,226

1,736,358

174,131

1,612,186

124,171

Deposits

1,442,798

1,609,997

167,199

1,510,051

99,945

Call money

31,40020,000(11,400)

10,00010,000Borrowed money

2,000

2,000-

2,000-

Foreign exchanges

19

15

(3)

20(4)

27,68244,656

16,97430,32914,326

Reserve for employees' bonuses

260

337

77424(87)Reserve for employees' retirement benefits

275

366

90

29966

Reserve for directors' retirement benefits

67

74

6

70

4

1,504,503

1,677,448

172,944

1,553,196

124,251

Common stock

31,00031,000-31,000-Capital surplus

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

6,896

8,435

1,539

7,232

1,202

Total shareholders' equity

58,89660,435

1,539

59,232

1,202

Net unrealized gains onother securities, net of taxes

176

793

616

900(107)

Net deferred losses on
hedging instruments, net of taxes(1,349)(2,319)(969)(1,143)(1,175)

Total valuation and translation adjustments(1,173)(1,526)

(352)

(243)

(1,282)

Total Net Assets

57,72358,9091,186

58,989(79)

1,562,226

1,736,358

174,131

1,612,186

124,171

Total Assets
Liabilities:

Other liabilities

Total Liabilities
Net Assets:

Total Liabilities and Net Assets4(4) Non-consolidated Statements of Income(Millions of yen)
For the nine months ended
December 31, 2009(A)

For the nine months ended
December 31, 2010
(B)

Ordinary Revenues

22,921

22,389(531)

30,500Interest income

17,591

17,65463

23,389(Interest income on loans)

8,916

9,242

325

11,960(Interest income and dividends on securities)

8,291

8,317

25

10,930Fees and commissions

1,471

1,417(53)1,945Other operating income

3,832

3,268(564)5,122(Gains on foreign exchange transactions)

3,556

2,258

(1,298)

4,723

Other ordinary income(Reference)
For the year ended
March 31, 2010

Change(B-A)

25

49

23

43

Ordinary Expenses

20,614

20,111(502)

27,570Interest expenses

7,651

8,124473

10,362(Interest expenses on deposits)

6,347

6,567

220

8,535

Fees and commissions

1,461

1,575

114

2,133

Other operating expenses

2,709

489

(2,219)2,986

General and administrative expenses

8,575

9,497

922

11,675

217

424

206

411

2,306

2,277

(28)

2,930

69

10(58)

69

(69)

69

Other ordinary expenses
Ordinary Profit
Extraordinary Losses
Losses on disposal of tangible fixed assets
Loss on adjustment for changes of accounting
standard for asset retirement obligations
Income Before Income Taxes

69-

1010-

2,237

2,267

29

2,861

Income Taxes -current

242

1,097

855

662

Income Taxes -deferred

685

(33)

(718)

552

Total Income Taxes

927

1,064

136

1,214

1,309

1,202(106)1,646

Net Income(Reference) Non-consolidated Statements of Income for the three months ended December 31, 2010
(Millions of yen)
For the three months ended
December 31, 2009(A)

For the three months ended
December 31, 2010
(B)

Ordinary Revenues

7,626

7,074

(552)

Interest income

5,851

5,875

24

(Interest income on loans)

3,094

3,158

63

(Interest income and dividends on securities)

2,692

2,702

9

Fees and commissions487461(26)

Other operating income

1,270

723(547)(Gains on foreign exchange transactions)

1,207468(739)

16

13(3)

Ordinary Expenses

7,264

6,488(775)Interest expenses

2,488

2,649

161

(Interest expenses on deposits)

1,978

2,140

161

Fees and commissions

489

547

Other operating expenses

1,279

General and administrative expenses

2,949

3,184

57

106

49

362

585

222

Other ordinary income

Other ordinary expenses
Ordinary Profit
Extraordinary Losses
Losses on disposal of tangible fixed assets

Change(B-A)

58-(1,279)234---------Loss on adjustment for changes of accounting
standard for asset retirement obligations
Income Before Income Taxes

362

585

222

Income Taxes -current

240

401

161

Income Taxes -deferred

(78)

(126)

(48)

Total Income Taxes

161

274

113

Net Income

201

310

109

5

(5) Supplementary Information
1. Balance of customer assets and number of accounts (Non-consolidated)
As of December 31, 2010

As of December 31, 2009

1,711,645 millions of yen
840 thousand

Customer assets
Number of accounts

1,543,803 millions of yen
769 thousand

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

2. Deposits and loans (Non-consolidated)
For the nine months ended December 31, 2010

Deposits
Yen deposits
Ordinary deposits
Time deposits
Foreign currency deposits
Ordinary deposits
Time deposits
Loans
Mortgage loans
Other(Millions of yen, %)For the nine months ended December 31, 2009

Balanceat the end

Averagebalance

Yield

Balanceat the end

Averagebalance

1,609,997
1,265,119
319,415
945,699344,878
151,715
193,162
681,053
621,405
59,647

1,553,427
1,216,853
279,806
937,017336,574
145,582190,981
620,949
575,61145,337

0.56
0.45
0.01
0.57
0.95
0.18
1.54
1.97
1.96
2.09

1,442,798
1,122,157
280,824
841,306
320,641
130,558
190,082562,648
544,403
18,245

1,338,715
1,035,896
275,675
760,170
302,819
117,115
185,696
520,931511,552
9,379

Yield

0.62
0.51
0.01
0.68
1.03
0.15
1.58
2.27
2.18
6.83

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 (Non-consolidated)

Remaining periodLess than 3 months
3 months or more, less than 6 mont
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, 2010
ForeignYen
Total
currency
455,618
322,950
132,667
150,100
28,987179,087
396,161
372,293
23,867
18,278
4,144
22,4239,208
3,485
12,694
31,24610
31,256
193,162
904,079
1,097,241(Millions of yen)
As of December 31, 2009
ForeignYen
Total
currency
251,640
128,708
380,348
108,648
26,515
135,164
394,984
28,200423,185
23,6792,973
26,653
10,733
3,645
14,37840
21,435
21,395
190,082
1,001,166
811,083

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

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

Ratings
AAAAAABBB
Less than BBB
Unrated
Total(Millions of yen, %)As of December 31, 2009
BalanceComposition
508,964
65.0
110,41714.1
129,977
16.6
21,2842.7
994
0.1
11,567
1.5
783,205100.0

As of December 31, 2010
Balance Composition
556,84758.5
213,756
22.4
153,958
16.2
1.5
14,174
13,645
1.4
952,381100.0

Notes: 1. Credit rating classifications are based on the standardized approach for risk weighting applicable underthe bank capital requirements, commonly referred to as Basel II. The external credit ratings used inapplying the standardized approach to risk weighting for these purposes are the rating assigned by thefollowing rating agencies: Moody's Investors Service, Inc., Standard & Poor's, Rating and Investment
Information, Inc., Japan Credit Rating Agency, Ltd. and Fitch Ratings Ltd.
2. The unrated item on the above table includes ￥8,645 million of investments in unrated investment trustsand ￥5,000 million of investments in shares of a subsidiary.

65. Risk-Monitored Loans (Non-consolidated)(Millions of yen)
As of December 31, 2009
Amount
244
850
139
1,234

As of December 31, 2010
Amount
193
1,220
1,093
2,508

Category
Bankrupt loans
None-accrual delinquent loans
Past due loans (three months or more)
Restructured loans
Total

6. Non-consolidated Capital Adequacy Ratio (Domestic Criteria)
Capital Adequacy Ratio(%)(Millions of yen, %)Tier I Ratio(%)

Total Capital

Tier I Capital

Total Required Capital

As of December 31, 2010

11.25

10.79

63,00260,435

As of December 31, 2009

13.04

12.56

61,13758,89618,750

As of March 31, 2010

12.09

11.64

61,554

59,232

20,352

22,385

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 March 31, 2009, 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)
Capital Adequacy Ratio(%)(Millions of yen, %)Tier I Ratio(%)

Total Capital

Tier I Capital

Total Required Capital

As of December 31, 2010

11.02

10.56

61,30158,735

As of December 31, 2009

12.84

12.36

59,95357,712

18,663As of March 31, 2010

11.87

11.42

60,20357,882

20,271

22,236

Notes: 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 March 31, 2009, 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