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Financial Highlight

Sony Bank (Non-consolidated)

Highlights of Operating Performance for FY2017 (fiscal year ended Mar. 31, 2018)

  • Both ordinary revenues and ordinary profit increased year on year.
  • Both gross operating profit and net operating profit increased year on year.
  • Net interest income increased due to increases in interest income on loans and investment securities.
  • Net fees and commissions decreased due mainly to lower fees and commissions on mortgage loans, in addition to higher fees paid for loan guarantees reflecting the growing loan balance.
  • Net other operating income decreased due mainly to a decrease in gains on foreign exchange transactions.
  • Gross Operating Profit
  • Deposit Balance
  • Loans
  • Non-consolidated capital adequacy ratio (Domestic Criteria)
2014 2015 2016 2017 2018
For the years ended March 31
Gross operating profit (Billions of yen) 20.7 22.5 21.6 21.1 21.4
As of March 31
Deposit balance (Billions of yen) 1,890.0 1,878.2 1,923.5 2,112.9 2,219.3
Loans (Billions of yen) 1,057.4 1,187.1 1,344.1 1,539.6 1,596.3
Non-consolidated
capital adequacy ratio (Domestic criteria)(%)**
11.72 10.65 9.89 9.75 10.45

* Figures less than the indicated unit have been truncated while ratios have been rounded.

** From March 31, 2014, Sony Bank calculates its capital adequacy ratio based on Basel Ⅲ. Capital adequacy ratios has been calculated by applying fundamental internal rating based approach (FIRB) from March 31, 2017.

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.

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