August 9, 2017
Sony Financial Holdings Inc.

Summary Information on Sony Bank’s Financial Results
for the Three Months Ended June 30, 2017
<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 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 Standrd)

P.8

11. Consolidated Balance Sheets(Millions of yen)
As ofJune 30, 2017

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

180,581

235,749

573

8,593

Money held in trust

23,00023,000

Securities

629,254675,173

1,539,630

1,552,093

Foreign exchanges

7,268

9,223

Other assets

53,22357,177

Tangible fixed assets

710

741

Intangible fixed assets

4,803

4,624Deferred tax assets

762

419

Reserve for possible loan losses

(971)

(934)

2,438,836

2,565,862

2,109,583

2,144,280

Call money and bills sold

70,000105,000

Borrowed money

103,000

160,000

Foreign exchanges

108

130

Other liabilities

71,52072,466

782

266

1,117

1,151

Monetary claims purchased

Loans

Total Assets
Liabilities:
Deposits

Reserve for employees' bonuses
Net defined benefit liability
Reserve for directors' retirement benefits

56

Provision for reimbursement of deposits

62

64

2,356,231

2,483,359

Common stock

31,00031,000Capital surplus21,000

21,000Retained earnings

25,81525,353

Total shareholders' equity

77,81577,353Net unrealized gains (losses) on other securities, net of taxes

4,776

5,021

Net deferred gains (losses) on hedging instruments, net of taxes(1,338)(1,271)Remeasurements of defined benefit plans, net of taxes

(109)

(106)

Total accumulated other comprehensive income

3,328

3,643

Non-controlling interests

1,460

1,505

Total Net Assets

82,60482,502

2,438,836

2,565,862

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(Millions of yen)
For the three months
ended June 30, 2017

For the three months
ended June 30, 2016
Ordinary Revenues

9,234

9,725

Interest income

6,320

6,871

(Interest income on loans)

3,844

4,193

(Interest income and dividends on securities)

2,459

2,658

Fees and commissions

1,717

1,548

Other operating income

1,140

1,212

Other ordinary income

5694

Ordinary Expenses

8,462

8,021

Interest expenses

2,177

1,966

(Interest expenses on deposits)

1,238

1,266

Fees and commissions

1,197

1,528

Other operating expenses

80

15

4,925

4,474

82

37

Ordinary Profit

772

1,703

Income Before Income Taxes

772

1,703

Income Taxes —Current

27

327

Income Taxes —Deferred

221

203

Total Income Taxes

248

530

Profit523

1,172

Profit Attributable to Non-controlling Interests

2244

Profit Attributable to Owners of the Parent

501

1,128

General and administrative expenses
Other ordinary expenses(2) Consolidated Statements of Comprehensive Income(Millions of yen)
For the three months
ended June 30, 2016
ProfitFor the three months
ended June 30, 2017
523

1,172

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

(223)

245

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

(112)

66

4

3

Total other comprehensive income

(331)

315

Comprehensive Income

192

1,487

Comprehensive income attributable to parent company

169

1,443

Comprehensive income attributable to non-controlling interests

2244

Other Comprehensive Income

Remeasurements of defined benefit plans, net of taxes(Details)

33. Non-consolidated Balance Sheets(Millions of yen)
As ofJune 30, 2016
(A)

As ofJune 30, 2017(A)

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

73,347

233,987

160,640

806

8,593

7,786

23,00023,000-177,468

56,519573

8,019

23,000-583,201

677,195

93,993

631,296

45,8991,395,639

1,552,093

156,454

1,539,630

12,463Foreign exchanges

2,268

9,223

6,954

7,268

1,954

Other assets

24,81945,557

20,73841,7703,786

628

364(263)

398

(33)

Intangible fixed assets

3,086

2,985

(100)

3,170

(184)

Deferred tax assets

1,395

303

(1,091)632(328)

Reserve for possible loan losses(1,063)(934)

128(971)37

2,107,127

2,552,370

445,2422,424,236

128,134

2,147,882

239,760

2,112,985

34,896

105,000

105,000

70,00035,000160,000

100,000

103,000

57,000Loans

Tangible fixed assets

Total Assets
Liabilities:
Deposits

1,908,122Call money
Borrowed money
Foreign exchanges

60,000
70

130

60

108

21

62,21257,098(5,114)55,199

1,899

Reserve for employees' bonuses

213221

7705

(483)

Reserve for employees' retirement benefits

750

849

98815

34

Reserve for directors' retirement benefits

22(22)

27(27)

Other liabilities

Provision for reimbursement of deposits

-

6164

362

2

2,031,453

2,471,247

439,793

2,342,904

128,343

Common stock

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

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

23,20925,373

2,163

25,893(520)

Total shareholders' equity

75,20977,373

2,163

77,893(520)

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

3,108

5,021

1,913

4,776

245

Net deferred gains (losses) on
hedging instruments, net of taxes(2,643)(1,271)

1,371(1,338)66

Total Liabilities
Net Assets:

Total valuation and translation adjustments
Total Net Assets
Total Liabilities and Net Assets

464

3,749

3,285

3,438

311

75,674

81,122

5,448

81,332(209)

2,107,127

2,552,370

445,2422,424,236

128,134

4

4. Non-consolidated Statements of Income(Millions of yen)
(Reference)
For the year ended
March 31, 2017

For the three months ended
June 30, 2016
(A)

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

Ordinary Revenues8,414

8,844

430

35,105Interest income

6,320

6,871

550

26,534(Interest income on loans)

3,844

4,193

348

16,066(Interest income and dividends on securities)

2,459

2,658

199

10,394

Fees and commissions

896

667(229)

3,465

Other operating income

1,140

1,212

71

4,871

Other ordinary income

5694

37234

Ordinary Expenses

7,697

7,291(405)30,470Interest expenses

2,177

1,966

(210)

8,671

Change(B-A)(Interest expenses on deposits)

1,238

1,266

28

5,105

Fees and commissions

1,084

1,420

336

5,046

Other operating expenses80

15(65)

86

4,273

3,851

(421)

16,52481

37(44)

141

835

4,634

General and administrative expenses
Other ordinary expenses
Ordinary Profit

717

1,552

Extraordinary Losses---

Impairment losses

---

150
150

Income Before Income Taxes

717

1,552

835

4,484

Income Taxes —Current

11292

280

1,307

Income Taxes —Deferred

213

190

(22)

1

Total Income Taxes

224

483

258

1,308

Net Income492

1,069

577

3,176

5

5. Supplementary Information(1) Deposits and Loans (Non-consolidated)
For the three months ended June 30, 2016

(Millions of yen, %)For the three months ended June 30, 2017

Balanceat the end

Balanceat the end

Deposits
Yen deposits
Ordinary deposits
Time deposits
Foreign currency deposits
Ordinary deposits
Time deposits
Loans
Mortgage loans
Others1,908,122
1,580,642
532,636
1,047,836
327,480
174,666
152,789
1,395,639
1,289,371
106,267

AveragebalanceYield

1,913,700
1,583,380
519,764
1,063,382
330,319
175,034
155,268
1,369,535
1,260,872
108,663

0.25
0.14
0.00
0.22
0.79
0.17
1.49
1.12
1.10
1.36

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

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

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, 2016
ForeignYencurrency
294,403
104,650
261,898
25,905
320,982
17,212
15,204
3,321
6,646
1,692
78,965
6
978,101
152,789

Total
399,053
287,804
338,195
18,526
8,338
78,972
1,130,890(Millions of yen)
As of June 30, 2017
ForeignYen
Total
currency
388,686
119,522508,208
253,197
29,712282,909
290,042
25,257315,299
58,963
3,284
62,24815,1582,566
17,72549,7805
49,786
1,055,830
180,348
1,236,178

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

(3) Balance of Securities by Rating (Non-consolidated)(Millions of yen, %)As of June 30, 2017

As of June 30, 2016
Ratings
AAAAAABBB
Unlated
Total

Balance
123,428
158,214
278,367
17,448
5,741
583,201

BalanceComposition
21.2
27.1
47.7
3.0
1.0
100.0

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

Composition
31.9
17.5
45.4
4.21.0100.0Notes: 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 ￥4,772 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, 2017

As of June 30, 2016
CategoryBankrupt loans
Non-accrual delinquent loans
Past due loans (3 months or more)
Restructured loans
Total

AmountAmount

199
1,539
1,347
3,086

138
1,394
1,198
2,731

6

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

77,353

Of which, Capital and capital surplus

52,000Of which, Retained earnings

25,353

Accumulated other comprehensive income included in core capital(63)

of which: remeasurements of defined benefit plans(63)

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

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

1,053
(A)

Core capital: instruments and reserves

88,343

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

1,918

1,279

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

1,918

1,279

1,094

-

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

(B)

3,013

(C)

85,330CapitalCapital((A)-(B))

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

506,443

Of which, Total amount included in risk-weighted assets subject to transitional arrangements(9,504)

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

1,279

Of which, Exposures to other financial institutions(10,783)

Total amount of operational risk equivalent / 8%

43,840Adjustment to credit risk-weighted assets

363,616

Total amount of risk-weighted assets(D)

913,899((C)/(D))

9.33%

Capital adequacy ratio
Capital adequacy ratio(Millions of yen)AmountConsolidated total capital requirements (Domestic standard) (Total Risk-Weighted Assets by 8%)

736,555

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

77,373

Of which, Capital and capital surplus

52,000Of which, Retained earnings

25,373

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

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

87,373

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

1,238

825

Of which, Other intangible assets other than goodwill and mortgage servicing rights1,238

825

1,094-

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

(B)

2,333

(C)

85,039

CapitalCapital((A)-(B))

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

508,988

Of which, Total amount included in risk-weighted assets subject to transitional arrangements(9,957)

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

825

Of which, Exposures to other financial institutions(10,783)

Total amount of operational risk equivalent / 8%38,807

Adjustment to credit risk-weighted assets

359,349

Total amount of risk-weighted assets(D)

907,145((C)/(D))

9.37%

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

836,285