August 12, 2010
Sony Financial Holdings Inc.

Summary Information on Sony Bank’s Financial Results
for the Three Months Ended June 30, 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(1) Consolidated Balance Sheets（Millions of yen）
As of March 31, 2010

As of June 30, 2010
Assets:Cash and due from banks

84,01251,501

Call loans and bills bought

15,95555,079

Monetary claims purchased

1,841

3,292

Monetary trusts

11,541

11,970

Securities

898,058

877,133

Loans

601,419586,870

Foreign exchanges

5,269

5,100

Other assets

12,771

15,964

Tangible fixed assets

811

649

Intangible fixed assets

3,202

3,385

Deferred tax assets

1,698

1,364

Reserve for possible loan losses

(935)

(807)

1,635,645

1,611,506

1,515,917

1,509,488

Call money and bills sold

10,00010,000Borrowed money

2,000

2,000

Foreign exchanges

21

20

50,392

31,527

Reserve for employees' bonuses

144

459

Reserve for employees' retirement benefits

317

299

Reserve for directors' retirement benefits

65

70

Reserve under Specific Law

32

1,578,862

1,553,867

Common stock

31,00031,000Capital surplus

21,00021,000Retained earnings
Total shareholders' equity

6,140
58,1405,882
57,882Net unrealized gains on other securities, net of taxes

1,029

900

Net deferred losses on hedging instruments, net of taxes(2,387)(1,143)

Total valuation and translation adjustments(1,358)(243)

Total Net Assets

56,782

57,638

1,635,645

1,611,506

Total Assets
Liabilities:
Deposits

Other liabilities

Total Liabilities
Net Assets:

Total Liabilities and Net Assets

2(2) Consolidated Statements of Income（Millions of yen）
For the three months
ended June 30, 2009

For the three months
ended June 30, 2010

Ordinary revenues

7,693

7,752

Interest income

5,894

5,893

（Interest income on loans）

2,869

3,039

（Interest income and dividends on securities）

2,842

2,796

Fees and commissions

539

552

Other operating income

1,245

1,297

（Gains on foreign exchange transactions）

1,190

1,034

147

Ordinary expenses

7,313

7,117

Interest expenses

2,624

2,720

（Interest expenses on deposits）

2,286

2,194

Fees and commissions

491

478

Other operating expenses

1262

466

General and administrative expenses

2,842

3,274

92

176

380635

Other ordinary income

Other ordinary expenses
Ordinary profit
Extraordinary losses
Loss on adjustment for changes of accounting
standard for asset retirement obligations
Income before income taxes

-11-

11

380

624

Income taxes -Current

1

209

Income taxes -Deferred

207

155

Total income taxes

209

365

Net income

171

258

3

(3) Non-consolidated Balance Sheets（Millions of yen）

As of June 30, 2009 As of June 30, 2010(B)(A)

Change(B-A)

As of March 31,2010 ( C )Change(B-C)

Assets:Cash and due from banks

28,14583,08954,94351,18431,904

Call loans

34,786

15,955(18,830)

55,079(39,124)

Monetary claims bought
Monetary trusts

28,602

1,841(26,761)

3,292(1,451)

10,02010,02010,750(730)

Securities

807,871903,058

95,186880,133

22,924Loans

510,878

600,918

90,040586,654

14,264-Foreign exchanges

7,978

5,269

(2,709)

5,100

169

Other assets

13,457

12,789(667)

15,818(3,028)

Tangible fixed assets

561

798

236

637

160

Intangible fixed assets

2,355

2,823

467

2,977

(153)Deferred tax assets

4,592

1,698(2,893)

1,364

333

Reserve for possible loan losses

(548)

(935)

(387)

(807)

(128)

1,438,680

1,637,326

198,645

1,612,186

25,139Deposits

1,330,926

1,517,125

186,199

1,510,051

7,073

Call money

22,60010,000(12,600)

10,000-Borrowed money

2,000

2,000-

2,000-

Foreign exchanges

621

1420

1

29,48449,41019,92630,32919,081

Reserve for employees' bonuses
Reserve for employees' retirement benefits

93137

44424(287)

231

317

85299

18

Reserve for directors' retirement benefits

6365

170

(5)

1,385,406

1,579,078

193,672

1,553,196

25,882

Common stock

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

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

5,867

7,605

1,737

7,232

372

Total shareholders' equity
Net unrealized gains (losses) on othersecurities, net of taxes
Net deferred losses on hedging instruments,
net of taxes
Total valuation and translation adjustments

57,86759,605

1,737

59,232372(3,195)

1,029

4,225

900

128

(1,397)(2,387)(989)(1,143)(1,243)(4,593)(1,358)

3,235

(243)

(1,114)

Total Net Assets

53,27458,247

4,973

58,989(742)

1,438,680

1,637,326

198,645

1,612,186

25,139Total Assets
Liabilities:

Other liabilities

Total Liabilities
Net Assets:

Total Liabilities and Net Assets

4(4)Non-consolidated Statements of Income（Millions of yen）

For the three
For the three months
ended June 30, 2009 months ended June30, 2010(A)

For the year ended
March 31, 2010
(Reference)

Change(B-A)

Ordinary revenues

7,681

7,742

61

30,500Interest income

5,894

5,890

(3)

23,389Interest income on loans

2,869

3,037

167

11,960Interest income and dividends on securities

2,842

2,796(45)10,930Fees and commissions

524

537

13

1,945

Other operating income

1,245

1,297

52

5,122

1,190

1,034

(155)

4,723

15

15(0)

43

Ordinary expenses

7,190

6,993

(196)

27,570Interest expenses

2,624

2,720

96

10,3622,286

2,194(92)8,535Fees and commissions

486

472

(13)

2,133

Other operating expenses

1,262

466(795)

2,986

General and administrative expenses

2,725

3,165

439

11,675

92

168

76

411

490

748

2582,930

101069Gains on foreign exchange transactions
Other ordinary income

Interest expenses on deposits

Other ordinary expenses
Ordinary profit
Extraordinary losses-Losses on disposal of fixed assets
Loss on adjustment for changes of accounting
standard for asset retirement obligations

--

-

69

1010490

737

247

2,861

Income taxes -current

0209

208

662

Income taxes -deferred

207

155

(52)

552

Total income taxes

208

364

156

1,214

Net income

281

372

91

1,646

Income before income taxes5-(5) Supplementary Information
1. Balance of customer assets and number of accounts (Non-consolidated)
As of June 30, 2010

As of June 30, 2009

1,613,052 million yen
809 thousand

Customer assets
Number of accounts

1,423,712 million yen
736 thousand

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

2. Deposits and loans (Non-consolidated)
For the three months ended June 30, 2010

Deposits
Yen deposits
ordinary deposits
time deposits
Foreign currency deposits
ordinary deposits
time deposits
Loans
Mortgage loans
Other(Unit: Millions of yen, %)For the three months ended June 30, 2009

Balance atthe end

Averagebalance

Yield

Balance atthe end

AveragebalanceYield

1,517,125
1,189,154
273,544915,596
327,971
143,458
184,512600,918
562,461
38,457

1,507,633
1,184,085
276,269
907,782
323,547
135,108
188,431592,394558,650
33,744

0.58
0.49
0.01
0.64
0.90
0.18
1.42
2.05
2.02
2.53

1,330,926
1,032,718
281,029751,658
298,207
111,590
186,616
510,878
502,367
8,511

1,327,157
1,038,438
278,585
759,802
288,719
104,076
184,637
494,014
485,291
8,722

0.69
0.54
0.01
0.73
1.23
0.16
1.83
2.33
2.23
7.44

Note: The average balance of foreign currency deposits during the term is calculated as the average during the period of the yen equivalent valueof each day’s foreign currency deposit balance.

3. Balance of time deposits by remaining period (Non-consolidated)（Unit: Millions of yen）
As of June 30, 2009

As of June 30, 2010
Remaining period

YenLess than 3 months
3 months or more and less than 6 months
6 months or more and less than 1 year
1 year or more and less than 2 years
2 years or more and less than 3 years
3 years or more

285,888
232,778
303,593
21,206
9,042
27,582880,091

Total

Foreigncurrency
122,743
31,38922,565
3,205
4,595
11
184,512

Total

Yen

408,631
264,168
326,158
24,411
13,63827,593
1,064,603

313,383
117,398
234,419
28,292
13,63019,155726,279

Foreigncurrency
127,962
33,07920,898
2,575
2,078
20
186,616

Total
441,346
150,478
255,318
30,86815,70919,175
912,896

Note: The table above does not include installment time deposits.

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

Ratings
AAAAAABBB
Less than BBB
unrated
Total（Unit: Million yen, %）As of June 30, 2009
Balance Composition
556,053
68.8
93,504
11.6
124,287
15.4
23,596
2.9
982
0.1
9,447
1.2
807,871
100.0

As of June 30, 2010
Balance Composition
561,906
62.2
172,61019.1
141,446
15.7
13,6801.5
13,4151.5
903,058
100.0

Notes1. Credit rating classifications are based on the standardized approach for risk weighting applicable under the bank capital requirements,
commonly referred to as Basel II, announced in June 2004 by the Basel Committee on Banking Regulations and Supervisory Practices ofthe Bank for International Settlements. The external credit ratings used in applying the standardized approach to risk weighting for thesepurposes are the rating assigned by the following rating agencies: Moody's Investors Service, Inc., Standard & Poor's, Rating andInvestment Information, Inc., Japan Credit Rating Agency, Ltd. and Fitch Ratings Ltd.
2. The unrated item on the above table includes 8,415 million yen of investments in unrated investment trusts and 5,000 million yen ofinvestments in shares of a subsidiary.
65.

Risk-Monitored Loans (Non-consolidated)

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

6.

(Milllions of yen)
As of June 30, 2009
Amount
146
709
61916

As of June 30, 2010
Amount
441
956
781
2,178

Non-consolidated Capital Adequacy Ratio (Domestic Criteria)
CapitalAdequacy
Ratio

Tier I Ratio%

Total Capital%Million yen

Tier I CapitalMillion yen

Total Required
CapitalMillion yen

As of June 30, 2010

12.20

11.73

62,00059,60520,316

As of June 30, 2009

13.41

12.92

60,091

57,867

17,914As of March 31, 2010

12.09

11.64

61,554

59,232

20,352

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 adopted the special exception of thestandard mentioned above, in accordance with the FSA public ministerial announcement No. 79 of 2008.
2. Total required capital = risk assets x 4%

7. Consolidated Capital Adequacy Ratio (Domestic Criteria)
CapitalAdequacy
Ratio

Tier I Ratio%

Total Capital%Million yen

Tier I CapitalMillion yen

Total Required
CapitalMillion yen

As of June 30, 2010

12.00

11.53

60,53658,14020,163As of June 30, 2009

13.27

12.77

59,14956,925

17,818

As of March 31, 2010

11.87

11.42

60,20357,882

20,271

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 adopted the special exception of thestandard mentioned above, in accordance with the FSA public ministerial announcement No. 79 of 2008.
2. Total required capital = risk assets x 4%

7