Sony Financial Holdings

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At a Glance

  • What We Are?
  • Financial Highlight
  • Business Plan
  • Shareholder Returns

What We Are?

We are Sony Financial Group

The Sony Financial Group is a financial services group, comprising the financial holding company Sony Financial Holdings Inc., and its subsidiaries including Sony Life Insurance Co., Ltd., Sony Assurance Inc. and Sony Bank Inc.

picture:The Group Structure(As of Jul 1,2015)

History of the Sony Financial Group

picture:History of the Sony Financial Group

Sony Financial Holdings

As a Japan’s first financial holdings company, with both insurance and banking businesses under the one umbrella, Sony Financial Holdings was established in 2004 as a corporate spin-off from Sony Corporation and listed on the First Section of the Tokyo Stock Exchange in 2007.

Key Strengths of the Group Companies

Each of three core companies of the Group has steadily expanded business volume by developing highly original business model, and has provided customer-oriented and highly convenient financial products and services.

Sony Life (Life Insurance Business)

  • Consulting based sales and extensive after-sales follow-up services by Lifeplanner sales employees
  • Tailor-made insurance centered on death-protection insurance products
  • Ranked sixth in policy amount in force in Japanese life insurance market (As of March 31, 2016)

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Sony Assurance (Non-life Insurance Business)

  • Providing automobile insurance and medical and cancer insurance by direct business model
  • Offering reasonable premium rates and high-quality services
  • Top share of the direct automobile insurance market in Japan for 13 consecutive years*
    *Based on the automobile insurance premiums of non-life insurers selling automobile directly, as of FY2014 (according to research by Sony Assurance)

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Sony Bank (Banking Business)

  • Internet bank with the strength of its reputation for high customer satisfaction
  • Offering 12 foreign currencies and highly convenient mortgage loan
  • Foreign-currency deposit balance represented 7% of the domestic bank total, right behind that of major banks. (As of March 2016)

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Financial Hihglight

The Sony Financial Group’s core companies, Sony Life, Sony Assurance and Sony Bank, have continues to deliver steady growth by leveraging their respective strengths while maintaining high financial soundness .

Changes in Business Results

picture:in Business Results

Composition by Business Segment (FY2015)

picture:Composition by Business Segment (FY2014)

Industry Position

Sony Life
  • Ranked sixth in policy amount in force in Japanese life insurance market (As of March 31, 2016)

picture:Industrywide Policy Amount in Force and Sony Life's Market Share

Sony Assurance
  • Top share of the direct automobile insurance market in Japan for 13 consecutive years*
  • *Based on the automobile insurance premiums of non-life insurers selling automobile insurance directly, as of FY2014 (according to research by Sony Assurance)

picture:Automobile Insuarance Market and Market Share of Major Direct Non-Life Insurers

Sony Bank
  • The balance of loans steadily increased, mainly in mortgage loans.

picture:Deposit Barance of Japan's Six Internet Banks

Financial Soundness

Financial Soundness Indicators

picture:Financial Soundness Indicators

Credit Ratings

picture:Credit Ratings

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Business Plan

Medium-term Business Plan (FY2016-FY2018) Summary

Key Messages
Respond to the
ultralow interest rate environment
  • We will respond expeditiously to maintain or improve profitability.
Achieve ongoing
growth for the
Group as a whole
  • We will reinforce our provision of high-quality, highly convenient services, and continue expanding our business operations by strengthening our competitive edge.
  • We will make up-front investments aimed at future growth.
  • We will make steady progress on initiatives in new business fields and new services.
Shareholder returns
  • Dividends have increased for the four consecutive fiscal years through fiscal 2015. Given the business environment, we plan to maintain dividends at the present level in fiscal 2016. Based on the assumption that we will maintain financial soundness in each of our businesses, we will aim for steady increases in dividends in line with earnings growth over the medium to long term.
Medium-term Management Targets
Mid-term Targets for FY18

Note: Interest rates as of the end of March 2016 are used for the assumption of calculating Sony Life’s medium-term business plan target figures for fiscal 2018. The consumption tax increase which had been scheduled for April 2017 has been factored into the estimates, but the effect of the revision to the policy reserve discount rate, also scheduled for April 2017, has not been taken into account.

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Shareholder Returns

We will further enhance returns to shareholders, based on stable earnings growth and rebust financial soundness.

Stock Information

Financial year end March 31
General meeting of shareholders held in June of eachyear
Dividend payout confirmation date March 31
Number of shares per unit 100 shares
Stock listing The First Section of the Tokyo Exchange(securities code:8729)
Number of shares issued 435,000,000
Share ownership Sony Corporation 62.1%, Others 37.9%
Number of shareholders 20,850

As of Sep. 30, 2016

Share Price

TSE 1st
Security code 8792

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Basic Policy on Returning Profits to Shareholders

Our basic dividend policy is to steadily increase dividends in line with earnings growth over the medium to long terms.
Our target for the dividend payout ratio is 40% to 50% of profit attributable to owners of the parent.

Dividend Trend

picture:Dividend Trend

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Disclaimers:

Statements made in this website and in documents posted on this website concerning the current plans, expectations, strategies and beliefs of the Sony Financial Group. Any statements contained herein that are not historical facts are forward-looking statements or pro forma information. Forward-looking statements may include—but are not limited to—words such as “believe,” “anticipate,” “plan,” “strategy,” “expect,” “assume,” “forecast,” “predict,” “propose,” “intend” and “possibility” that describe future operating activities, business performance, events or conditions. Forward-looking statements, whether spoken or written, may also be included in other materials released to the public. These forward-looking statements and pro forma information are based on assumptions, decisions and judgments made by the management of Sony Financial Group companies, and are based on information that is currently available to them. As such, they are subject to various risks and uncertainties, and actual business results may vary substantially from the forecasts expressed or implied in forward-looking statements. Consequently, investors are cautioned not to place undue reliance on forward-looking statements. Sony Financial Group companies are under no obligation to revise forward-looking statements or pro forma information in light of new information, future events or other findings. The information contained in this website and in documents posted on this website does not constitute or form part of any offer for sale or subscription of or solicitation or invitation of any offer to buy or subscribe to any securities, nor shall it or any part of it form the basis of or be relied on in connection with any contract or commitment whatsoever in Japan or abroad.

Please note that although Sony Financial Holdings and/or its subsidiaries have made careful efforts regarding the accuracy of the contents of this website and in documents posted on this website, Sony Financial Holdings and/or its subsidiaries assume no responsibility for problems including, but not limited to, incorrect information in such contents or documents or problems resulting from or in connection with downloading such contents or documents.