August 7, 2015
Sony Financial Holdings Inc.

Summary Information on Sony Bank’s Financial Results
for the Three Months Ended June 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. 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 ratings (Non-consolidated)

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

P.7(5) Non-consolidated Capital Adequacy Ratio (Domestic Criteria)

P.7(6) Consolidated Capital Adequacy Ratio (Domestic Criteria)

P.7

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

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

101,248

72,588Call loans and bills bought

6,000

6,000

Monetary trusts

23,56523,576

Securities

727,962

709,923

1,187,187

1,226,020

Foreign exchanges

2,224

682

Other assets

21,442

23,580

Tangible fixed assets

1,151

1,150

Intangible fixed assets

4,670

4,456

Deferred tax assets

324

235

(1,154)(1,186)2,074,623

2,067,027

1,878,256

1,871,605

Call money and bills sold

6,000

6,000

Borrowed money

40,00040,000Foreign exchanges

46

67

70,507

69,260Reserve for employees' bonuses

753

247

Net defined benefit liability

904

924

Reserve for directors' retirement benefits

67

28

Provision for reimbursement of deposits

2333

1,996,559

1,988,168

Common stock

31,00031,000Capital surplus

21,00021,000Retained earnings

20,51421,753

Total shareholders' equity

72,51473,753Net unrealized gains on other securities, net of taxes

6,618

5,979

Net deferred losses on hedging instruments, net of taxes(2,269)(2,083)

01

(91)

(89)

Total accumulated other comprehensive income

4,258

3,807

Non-controlling interests

1,292

1,298

Total Net Assets

78,06478,8592,074,623

2,067,027

Loans

Allowance for loan losses
Total Assets
Liabilities:
Deposits

Other liabilities

Total Liabilities
Net Assets:

Foreign currency translation adjustments
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 three months
ended June 30, 2015

For the three months
ended June 30, 2014
Ordinary Revenues

9,322

9,358

Interest income

6,535

6,323

(Interest income on loans)

3,477

3,557

(Interest income and dividends on securities)

3,029

2,742

Fees and commissions

1,243

1,547

Other operating income

1,394

1,379Other ordinary income

149

107

Ordinary Expenses

7,585

7,494

Interest expenses

2,401

2,347

(Interest expenses on deposits)

1,225

1,243

Fees and commissions

866

905

Other operating expenses

27

0

4,283

4,174

566

1,737

1,864

Extraordinary Losses-0

Losses on disposal of fixed assets

-0

1,737

1,864

Income Taxes -current

254

362

Income Taxes -deferred

369

256

Total Income Taxes

624

618

1,113

1,245

Profit Attributable to Non-controlling Interest

125

Profit Attributable to Owners of the Parent

1,100

1,239

General and administrative expenses
Other ordinary expenses
Ordinary Profit

Income Before Income Taxes

Profit(2) Consolidated Statements of Comprehensive Income(Millions of yen)
For the three months
ended June 30, 2014
Profit

For the three months
ended June 30, 2015

1,113

1,245

Net unrealized losses on other securities, net of taxes

(402)

(638)

Net deferred gains on hedging instruments, net of taxes

17185

Foreign currency translation adjustments(0)0Remeasurements of defined benefit plans, net of taxes

12

Total other comprehensive income

(383)

(450)

Comprehensive Income729

795

716

788

126

Other Comprehensive Income(Details)
Comprehensive income attributable to ownwrs of the parent
company
Comprehensive income attributable to non-contorolling interests33. Non-consolidated Balance Sheets(Millions of yen)
As ofJune 30, 2014
(A)

As of
June 30, 2015
(B)

As of
March 31, 2015
(C)

Change(B-A)

Change(B-C)

Assets:Cash and due from banks

94,89069,156(25,734)

96,978(27,821)

Call loans

6,000

6,000-

6,000-

Monetary trusts

20,477

23,576+3,09823,565+10

Securities

780,587

711,973(68,613)730,013(18,039)Loans

1,071,643

1,226,020+154,377

1,187,187+38,833

Foreign exchanges

7,528

682

(6,845)2,224(1,541)

Other assets

15,16015,753+592

13,794+1,959Tangible fixed assets

745

750

+4774

(24)

Intangible fixed assets

2,570

2,848+277

2,967(119)-94+94174(79)(1,422)(1,186)+236(1,154)(31)

1,998,181

2,055,670+57,488

2,062,525(6,855)

Deferred tax assets
Allowance for loan losses
Total Assets
Liabilities:
Deposits

1,829,708

1,872,205+42,497

1,878,256(6,051)

Call money

6,000

6,000-

6,000-

Borrowed money

40,00040,000-

40,000-Foreign exchanges

11967(51)46+21

Other liabilities

47,34958,598+11,248

59,735(1,137)

Reserve for employees' bonuses

205

211

+5686

(475)

Reserve for employees' retirement benefits

581

678+97658+20

Reserve for directors' retirement benefits

46

12(33)

53(41)

Provision for reimbursement of deposits

-

33+33

23+9

Provision for point card certificates

81-

(81)

--

Deferred tax assets

605-

(605)

--

1,924,698

1,977,807+53,109

1,985,461(7,653)

Common stock

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

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

17,184

21,967+4,782

20,715+1,251

Total shareholders' equity

69,18473,967+4,782

72,715+1,251

6,853

5,979(873)

6,618

(638)

(2,554)(2,083)+470(2,269)+185

Total valuation and translation adjustments

4,298

3,895

(403)

4,348(453)

Total Net Assets

73,48377,862

4,379

77,064+798

1,998,181

2,055,670

57,4882,062,525(6,855)

Total Liabilities
Net Assets:

Net unrealized gains onother securities, net of taxes
Net deferred losses on
hedging instruments, net of taxes

Total Liabilities and Net Assets

44. Non-consolidated Statements of Income(Millions of yen)
For the three months ended For the three months ended
June 30, 2014
June 30, 2015
(A)
(B)

(Reference)
For the year ended
March 31, 2015

Change(B-A)

Ordinary Revenues

8,646

8,649

+3

35,714

Interest income

6,535

6,323

(211)

26,132(Interest income on loans)

3,477

3,557+80

14,070(Interest income and dividends on securities)

3,029

2,742(286)11,960Fees and commissions

567

838

+270

3,372

Other operating income

1,394

1,379(14)

5,997

149

107(41)

212

Ordinary Expenses

Other ordinary income

6,935

6,786(148)28,416

Interest expenses

2,400

2,347(53)9,540(Interest expenses on deposits)

1,225

1,243

+17

5,012

Fees and commissions

789

830

+41

3,345

Other operating expenses

27

General and administrative expenses
Other ordinary expenses
Ordinary Profit(27)

134

3,712

3,542(169)

15,346

566

60

49

1,711

1,862-

Extraordinary Losses
Income Before Income Taxes-+151-7,298-

93+151

7,205

1,711

1,862

Income Taxes -current

253

362+108

2,418

Income Taxes -deferred354

248(105)

152

Total Income Taxes
Net Income607

610+3

2,571

1,103

1,251+148

4,634

5

5. Supplementary Information(1) Deposits and loans (Non-consolidated)
For the three months ended June 30, 201４

Deposits
Yen deposits
Ordinary deposits
Time deposits
Foreign currency deposits
Ordinary deposits
Time deposits
Loans
Mortgage loans
OthersBalanceat the endAveragebalance

1,829,708
1,462,802
451,042
1,011,752
366,905
191,096
175,808
1,071,643
962,729
108,914

1,837,538
1,473,312
457,265
1,016,001
364,225
188,101
176,115
1,064,216
954,814
109,402

Yield

0.26
0.17
0.01
0.24
0.63
0.10
1.19
1.31
1.36
0.83

(Millions of yen, %)For the three months ended June 30, 2015
Balanceat the end

AveragebalanceYield

1,872,205
1,558,904
558,196
1,000,694
313,300
157,798
155,5011,226,020
1,111,232
114,7881,878,879
1,559,235
514,077
1,045,111
319,643
160,890
158,753
1,206,4761,091,659
114,817

0.26
0.14
0.01
0.21
0.83
0.15
1.52
1.18
1.22
0.75

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 years3 years or more

Total

As of June 30, 2014
ForeignYencurrency
338,250
100,200
37,91179,09327,506395,851
68,0217,140
61,649950,007

5,678
3,968
543
175,808

Total
438,451
117,005
423,358
73,700
11,10862,192
1,125,816(Millions of yen)
As of June 30, 2015
ForeignYen
Total
currency
88,086
340,662
428,748
79,29933,203
112,503389,432
23,649413,082
51,798
7,504
66,056
934,754

6,968
3,392
201
155,501

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

(3) Balance of securities by ratings (Non-consolidated)
Ratings
AAAAAABBB
P-1Unrated
Total

As of June 30, 2014
Balance Composition
144,22318.5
38.8
302,942279,22635.8
38,421
4.9
9,980
1.3
5,791
0.7
780,587
100.0(Millions of yen, %)As of June 30, 2015
BalanceComposition
122,24317.2
273,21938.4
42.0
298,983
9,966
1.4
1.0
7,561
100.0
711,973

Notes: 1. Credit rating classifications are based on the standardized approach for risk weighting applicable underthe bank capital requirements, commonly referred to as Basel III. The external credit ratings used inapplying the standardized approach to risk weighting for these purposes are the ratings 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 ￥4,814 million of investments in unrated investment trusts,￥696 million of investments in foreign currency bond and ￥2,050 million of investments in shares of subsidiary.

658,766
10,897
66,257
1,090,256

(4) Risk-monitored Loans (Non-consolidated)

Category
Bankrupt loans
Non-accrual delinquent loans
Past due loans (3 months or more)
Restructured loans
Total

As of June 30, 2014
Amount221
1,466－
1,801
3,489(Millions of yen)
As of June 30, 2015
Amount204
1,402－
1,502
3,109(5) Non-consolidated Capital Adequacy Ratio (Domestic Criteria)
As of June 30, 2014
Capital Adequacy Ratio
Total Capital
Total Required Capital

As of March 31, 2015

11.68
89,87330,769(Millions of yen, %）As of June 30, 2015

10.66
90,91334,096

10.56
92,19534,901

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).

(6) Consolidated Capital Adequacy Ratio (Domestic Criteria)
Capital Adequacy Ratio
Total Capital
Total Required Capital

As of June 30, 2014
11.68
90,84631,098

As of March 31, 2015
10.63
91,53534,429(Millions of yen, %）As of June 30, 2015
10.54
92,84135,227

Note: 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).

7