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ディスクロージャー誌

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2016 2016 Sony Bank Disclosure 1 2 4 5 6 8 8 8 9 10 10 11 12 14 14 14 15 15 16 16 19 19 20 20 21 22 24 24 26 35 35 35 36 42 42 45 46 48 50 54 55 56 58 62 65 68 19 2 70 19 3 70 4 70 MONEYKit PostPetPostPet Sony Network Communications Inc.

2 President s Message 2016 Sony Bank Disclosure 2015 Sony Bank WALLET 2015 10 0 2015 1 3,441 1 9,235 Sony Bank WALLET 113

2016 1 Sony Bank WALLET 11 Visa 1200 ATM 90 2015 7 2015 6 plus FX NISA NISA 2016 6 1115 2015 3.2 34 リテールバランスの推移 ( 兆円 ) 5 4 3 2 1 0 ( 年度末 ) 2012 2013 2014 2015 2018 個人ローン 円預金 外貨預金 投資信託 2016 Sony Bank Disclosure 3

4 Corporate Outline 2016 Sony Bank Disclosure IT IT

2016 7 1 100% 出資 生命保険事業 2016 Sony Bank Disclosure 5 100% 出資 50% 出資 50% 出資 ソニーライフ エイゴン生命 SA Reinsurance 損害保険事業 100% 出資 銀行事業 57% 出資 ソニーペイメントサービス 100% 出資 SmartLink Network Hong Kong 介護事業 100% 出資 100% 出資 ライフケアデザイン 連結子会社持分法適用関連会社 3

Products & Services 12 2 FX 14 NZ NZ 6 2016 Sony Bank Disclosure 500

Sony Bank WALLET Visa 11 NZ 1200 ATM 1 TTS 2 1 2 2 12 11 2 3 2 3 5 7 10 15 2020 5001 10 1 35 1 JR 12 31 1 1 3 11:00 20:00 9:00 17:30 2016 Sony Bank Disclosure 7

8 2016 Sony Bank Disclosure Plus + 33 190 2016 7 1 5 ATM 9 ATM ATM ATM 45 1 108 ATM ATM Sony Bank WALLET Sony Bank WALLET 1 ATM PostPet ATM ATM ATM ATM ATM ATM UFJATM ATM

2016 1 31 Web 2016 Sony Bank Disclosure 9 ATM 10 1 1,000 1 2 ATM1 1 0 200 2 0 9,999 1 12 1 ATM 1 2 1,080 30

Environmental Initiatives 環境保全などへの取り組み 10 2016 Sony Bank Disclosure 社長メッセージ 環境方針 当社は 環境方針 を定め 日々の企業活動を通じて 環境保全活動を推進しています 環境活動 環境 ISO ISO14001 認証 環境 ISO ISO14001 の認証を取得しており 環境マネ ジメントシステムを構築し 省エネルギー活動 省資源活動 当社の概要 地域貢献活動などを推進しています カーボンオフセット Ｊ クレジット制度 において認証されたクレジットを 活用し 使用したすべての電力 業務委託分除く にかかる 商品 サービス CO 2 を 100 オフセットしています 環境 に対 する負荷 の 低い カーボンオフセット銀行 として 省エネルギー活動 などを推進し 使用電力の削減に努めます 環 環境保全などへの取り組み Ｊ クレジット制度は 省エネルギー機器の導入や森林経営などの取り組みによる CO 2 などの温室効果ガスの排出削減量や吸収量を クレジット として国が認証する制度です ソニー銀行が利用するクレジットは 森林経営活動によるCO 2 吸収量の増大 間伐促進型プ ロジェクト から発生するもので 森林を育てる活動にも寄与することが可能です お客さまとともに インドネシア スマトラ島森林保全プロジェクト お客さまに口座開設 いただくと 1口座につき10 円を 公 益財団法人世界自然保護基金ジャパンが 行っている イン ドネシア スマトラ島 の森林保全プロジェクト に寄付してい お客さまの口座開設はスマトラ島 の森林保全プロジェ ます 事業の概況 クトへのご支援につながっています 適切な業務運営のしくみ 社員とともに 企業情報 ボランティアバス 東日本大震災復興支 援 としてバ スで 被 災地 を 訪 れ が れき の 撤去 やオーガニックコットン 財務セクション 栽培 のお 手伝 いといっ た ボランティア 活 動 を 行っています ちよだボランティアクラブ 千代田区のボランティアセンターに加盟し 社員一人ひと りのボランティア活動をサポートしています 社員のボラン ボランティア団体に寄付を行う ティア時間数に応じて マッ チングギフト制度 も導入しています

2015 2016 1 11 Visa Sony Bank WALLET 2015 6 plus FX NISA 7 2015 FX 11 Visa Sony Bank WALLET 2016 1 2016 1 FX 2015 6 11 Web 2015 10 plus 2015 6 NISA23 2015 8 11 NISA 2016 2 2015 7 2015 8 2015 11 Business Overview 2016 Sony Bank Disclosure 11

12 2016 Sony Bank Disclosure 業務粗利益 営業経費 経常利益 ( 億円 ) 240 2015 180 120 5 60 243 1359 639 2016 3 656 0 ( 年度 ) 業務粗利益営業経費経常利益 2011 2012 2013 2014 2015 183 185 207 225 216 138 139 146 153 159 40 42 58 72 58 2 1,402 653 2 618 3 783 住宅ローン与信費用比率 (%) 0.010 ( 百万円 ) 100 2015 8216 0.005 50 6 159 14 58 7 39 10 与信費用比率与信関係費用 ( 右目盛 ) 0.000 ( 年度 ) 2014 2015 0.006 0.001 60 10 0 0.001 貸出金残高 ( 億円 ) 15,000 2016 3 640 10,000 2 1,265 1,569 1 3,441 5,000 1,627 1 2,371 110 964 0 ( 年度末 ) 住宅ローン 2011 2012 2013 2014 2015 7,496 8,603 9,493 10,743 12,371 その他 859 1,098 1,081 1,128 1,070 合計 8,355 9,702 10,574 11,871 13,441

1,090 6,209 13 814 188 378 431 646 456 4,350 20 有価証券残高 ( 格付け別 ) AAA AA A BBB その他合計 ( 億円 ) 10,000 5,000 0 ( 年度末 ) 2011 2012 2013 2014 2015 3,783 3,012 1,826 1,272 1,263 2,937 3,254 3,047 2,559 1,652 1,973 2,356 2,386 2,838 3,070 279 363 401 464 163 155 102 76 166 60 9,129 9,088 7,738 7,300 6,209 2014 2015 2,390 1,756 749 735 566 378 1,074 643 4,806 4,359 4,761 4,310 45 48 7,196 6,115 > <87> <41> 636 2 491 452 1 9,235 369 1 5,879 83 3,355 3 774 39 35 41 2016 39.89 預金残高 口座数 ( 億円 ) ( 万件 ) 20,000 15,000 10,000 5,000 0 ( 年度末 ) 2011 2012 2013 2014 2015 外貨預金 3,717 3,902 3,635 3,272 3,355 円預金 13,905 14,672 15,264 15,510 15,879 合計 17,622 18,574 18,900 18,782 19,235 口座数 ( 右目盛 ) 89 92 97 105 113 自己資本比率 (%) 15 120 90 60 30 0 2016 Sony Bank Disclosure 13 10 5 0 ( 年度末 ) 2011 2012 2013 2014 2015 自己資本比率 11.58 11.98 11.72 10.65 9.89 2014 3

14 Ensuring Fair Business Practices 2016 Sony Bank Disclosure ALM 6 1 4

ADR 1. 1 0570-017109 03-5252-3772 9 00 5 00 1 2 3 2 2. 1 2016 Sony Bank Disclosure 15

16 2016 Sony Bank Disclosure 1 2 3 4 5 2 3 3. 0120-365 -964 03-5805 -7140 9:00 20:00 12 311 3 9:00 17:00 0120-365 -723 03-6730 -2700 77 9:00 17:00 12 311 3 9

Value at Risk a b Value at Risk a b 2016 Sony Bank Disclosure 17

18 2016 Sony Bank Disclosure 2002 5 BS7799-Part2 8 ISMS2005 10 BS7799-Part2 ISO2006 5 ISMS JIS 2006 4ISO/IEC27001 2005 2006 6JIS Q27001 2006 2015 4ISO/IEC 27001:2013 JIS Q27001:2014

1 2 1 2 SA Reinsurance Ltd. 2. 3. 1. 4. 5. 2. 3. 4. 5. 2016 Sony Bank Disclosure 19

DataCorporate 2016 7 1 Sony Bank Incorporated 26 2001 13 4 2 2001 13 6 11 310 PwC S&P AA JCR 620,000 100% 26 1 1 1 A A 1 SmartLink Network Hong Kong 20 URL http://sonybank.net/disclosure/e_publicnotice/ index.html Sony Payment Services Incorporated 3 13 2006 18 9 1 4 8,875 57 SmartLink Network Hong Kong Limited Hong Kong, China 2013 252 27 HK$1,000,000 0% 100% 1 2 3 4 5 20 2016 Sony Bank Disclosure

2016 7 1 6 4 9 2016 Sony Bank Disclosure 21

22 2016 Sony Bank Disclosure 2001 1 3 2001 4 6 MONEYKit ATM 9 S&P 12 MONEYKit-PostPet 2002 1 ATM 3 6 2003 12 UFJATM 2004 4 6 100 237.5 10 12 2005 3 8 UFJ UFJATM 9 12 2006 2 25 250 6 12 ATM 2007 1 4 3 5 6 10 2008 1 3 ISO ISO14001 4 60 280 5

10 JCR ATM 11 ATM 2009 60 310 7 10 2010 6 2011 6 10 7 8 2012 7 2013 1 4 2014 2 8 ATM 2015 4 7 2016 1 Visa Sony Bank WALLET 4 Sony Bank WALLET 2016 Sony Bank Disclosure 23 8 6 15

24 2016 Sony Bank Disclosure 2016 7 1 2016 7 1 1 2 3 1 2 1 2 3 5 1 2 3 4 5 6 7 8 3 4 5 1 1 2 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 1 2 1 2 3 4 5 8 9 1 2 3 4 1 3 4 6 7 8 1 2 3 5 6 1 2 1 2 1 2 3 S.C.

2016 Sony Bank Disclosure 25 Financial Section 26 35 35 35 36 42 42 45 46 48 50 54 55 56 58 62 65 68

26Consolidated Financial Data 2016 Sony Bank Disclosure 202 3961 PwC 2014 2015 2014 2015 101,248 114,213 1,878,256 1,921,805 6,000 6,000 884 40,000 60,000 23,565 23,000 46 87 727,962 618,942 70,507 78,084 1,187,187 1,344,184 753 714 2,224 1,139 904 1,103 21,442 31,507 67 41 1,151 1,057 23 58 246 254 1,996,559 2,061,895 58 28 846 774 31,000 31,000 4,670 4,711 21,000 21,000 4,567 4,677 20,514 24,419 99 19 72,514 76,419 3 14 6,618 3,331 324 1,681 2,269 2,531 1,154 1,035 0 91 157 4,258 643 1,292 1,329 78,064 78,391 2,074,623 2,140,286 2,074,623 2,140,286

2014 2015 38,424 37,937 26,131 25,482 14,070 14,739 11,960 10,671 7 7 93 61 0 3 6,082 6,886 5,997 5,189 212 379 0 22 54 189 325 31,096 31,949 9,543 9,022 5,012 4,829 6 5 255 266 4,268 3,921 3,648 4,054 135 181 17,718 18,541 50 150 36 50 113 7,327 5,987 93 11 11 60 32 7,234 5,976 2,430 1,954 195 62 2,626 2,017 4,608 3,959 23 54 4,585 3,905 2014 2015 4,608 3,959 374 3,632 636 3,286 302 261 1 1 41 82 4,234 327 4,217 290 16 37 Sony Bank Disclosure 2016 27

282016 Sony Bank Disclosure 26 4 1 27 3 31 31,000 21,000 15,939 67,939 7,255 2,571 0 57 4,626 1,275 73,840 10 10 10 31,000 21,000 15,928 67,928 7,255 2,571 0 57 4,626 1,275 73,830 4,585 4,585 4,585 636 302 0 34 368 16 351 4,585 4,585 636 302 0 34 368 16 4,234 31,000 21,000 20,514 72,514 6,618 2,269 0 91 4,258 1,292 78,064 27 4 1 28 3 31 31,000 21,000 20,514 72,514 6,618 2,269 0 91 4,258 1,292 78,064 3,905 3,905 3,905 3,286 261 0 65 3,614 37 3,577 3,905 3,905 3,286 261 0 65 3,614 37 327 31,000 21,000 24,419 76,419 3,331 2,531 157 643 1,329 78,391

2014 2015 7,234 5,976 1,821 1,951 60 79 79 142 118 94 38 105 85 16 26 23 34 22 26,131 25,482 9,543 9,022 6,917 7,222 22 54 27,272 20,126 2 13 32 129,767 156,996 10,749 43,751 5,115 6,000 20,000 5,528 1,085 6 40 29,521 28,395 9,221 9,279 17,231 6,131 138,945 75,671 3,390 2,322 142,336 77,993 235,739 154,201 107,295 87,584 201,026 159,383 3,081 565 382 268 1,129 2,071 698 58 68,747 90,992 31 32 31 32 3 1 73,616 12,965 174,865 101,248 101,248 114,213 Sony Bank Disclosure 2016 29

302016 Sony Bank Disclosure 28 42 1.... 2 SmartLink Network Hong Kong Limited... 2. 3... 2 3. 5 1 2 3 8 18 220 5 4 424 7 4 5 6 10 16 7 8 9 10 24 14 2 13 24 24 11 12

1. 21 25 9 13 22 25 9 13 7 25 9 13 1. 2815 2813 28 3 29 28 4 1 32.34 28 4 1 29 4 1 30.86 30 4 1 30.62 83 38 59 3 57 1. 2628 3 28 1 66 2 29 3 3 1. 285 1,332 4097 96134 2. 1,443 3 3. 3,061 1. 2. 4. 326 11 28 8,603 5.... 44,240... 40,000 34,749 7,701 497 6. 24, 611 121,011 7....2,344 8. 20,000 1. 620 620 620 620 620 620 2. 1 2 1 () 28 28 28 5 27 1,959 3,160 3 31 6 22 Sony Bank Disclosure 2016 31

322016 Sony Bank Disclosure 1. (:) 114,213 114,213 1. 1 ALM 2 ALM 3 3 3 i ALM 11ALM VaR ALM ii iii

2016 Sony Bank Disclosure 33 i 250 20 28 3 31 99 1,781 4 2. 2. 28 3 31 (1) 114,213 114,213 (2) 8,254 8,495 241 610,688 610,688 (3) 1,344,184 *1 1,035 1,343,148 1,479,638 136,489 2,076,305 2,213,037 136,731 (1) 1,921,805 1,925,173 3,368 1,921,805 1,925,173 3,368 (*2) 3,611 3,611 (29,289) (29,289) (25,677) (25,677) *1 *2 1 1. 2 3 LIBOR 1 LIBOR

342016 Sony Bank Disclosure 1. 28 3 31 1. 28 3 31 7,980 8,212 231 273 283 10 8,254 8,495 241 23,000 23,000 1 8,254 8,495 241 1. 1...124,294 28 2. 1 2. 28 3 31...6,298 55 175,071 164,469 10,602 73,506 66,273 7,233 37,811 36,384 1,427 63,753 61,812 1,941 289,500 283,186 6,314 284,640 280,016 4,624 4,860 3,170 1,689 464,572 447,655 16,916 599 600 0 599 600 0 146,400 147,110 709 146,400 147,110 709 147,000 147,710 709 611,572 595,366 16,206 3. 27 4 1 28 3 31 57,419 162 21 5,531 16 18,804 117 33,083 28 21 31,788 297 160 31,788 297 160 89,208 459 181

2011 2012 2013 2014 2015 1 32,553 34,328 36,486 38,424 37,937 2 3,964 4,454 5,636 7,327 5,987 3 1,747 3,277 3,449 4,585 3,905 4 2,246 7,492 4,706 4,234 327 5 61,642 69,134 73,840 78,064 78,391 6 1,897,192 2,012,627 2,068,713 2,074,623 2,140,286 7 11.28 11.96 11.71 10.62 9.84 21 25 9 132015 2014 2015 207 285 1,430 1,332 3 1,715 1,443 3,353 3,061 2014 2015 Sony Bank Disclosure 2016 35

36Non-Consolidated Financial Data 2016 Sony Bank Disclosure 201 3961 PwC 2014 2015 2014 2015 96,978 110,669 1,878,256 1,923,506 20 18 494,003 503,957 96,957 110,650 1,053,960 1,080,159 6,000 330,293 339,388 884 6,000 23,565 23,000 40,000 60,000 730,013 620,993 40,000 60,000 82,878 81,487 46 87 56,668 37,811 12 12 107,750 64,626 34 74 2,050 2,050 59,735 64,088 480,665 435,017 1,304 950 1,187,187 1,344,184 4,690 4,845 1,180,420 1,332,050 5 6,766 12,133 22,315 22,041 2,224 1,139 30,112 30,913 2,224 1,139 312 13,794 21,272 0 0 325 207 122 139 99 130 1,185 4,886 4,292 3,889 686 645 4,389 5,235 658 731 7,701 53 20 2,640 1,740 23 58 2,047 2,367 1,985,461 2,049,136 774 667 201 210 31,000 31,000 0 0 21,000 21,000 573 456 21,000 21,000 2,967 3,253 20,715 24,627 2,964 3,248 20,715 24,627 2 5 20,715 24,627 174 1,536 72,715 76,627 1,154 1,035 6,618 3,331 2,269 2,531 4,348 800 77,064 77,428 2,062,525 2,126,564 2,062,525 2,126,564

2014 2015 35,714 34,892 26,132 25,482 14,070 14,739 11,960 10,671 7 7 93 61 0 3 3,372 3,842 157 177 3,215 3,664 5,997 5,189 3,906 4,263 2,090 799 0 0 126 0 212 377 0 22 54 189 323 28,416 29,035 9,540 9,021 5,012 4,829 6 5 253 264 4,268 3,921 0 0 3,345 3,692 117 134 3,227 3,558 134 181 30 181 103 15,346 15,991 49 148 36 0 0 48 111 7,298 5,857 93 60 32 7,205 5,857 2,418 1,920 152 24 2,571 1,944 4,634 3,912 Sony Bank Disclosure 2016 37

382016 Sony Bank Disclosure 26 4 1 27 3 31 31,000 21,000 21,000 16,091 16,091 68,091 7,255 2,571 4,683 72,774 10 10 10 10 31,000 21,000 21,000 16,080 16,080 68,080 7,255 2,571 4,683 72,764 4,634 4,634 4,634 4,634 636 302 334 334 4,634 4,634 4,634 636 302 334 4,299 31,000 21,000 21,000 20,715 20,715 72,715 6,618 2,269 4,348 77,064 27 4 1 28 3 31 31,000 21,000 21,000 20,715 20,715 72,715 6,618 2,269 4,348 77,064 3,912 3,912 3,912 3,912 3,286 261 3,548 3,548 3,912 3,912 3,912 3,286 261 3,548 363 31,000 21,000 21,000 24,627 24,627 76,627 3,331 2,531 800 77,428

1. 2. 3. 1 8 18 220 2 5 3 4. 5. 1 424 7 4 2 3 10 4 5 6. 24 14 2 13 24 24 7. 1. 21 25 9 13 7 25 9 13 1. 2815 2813 28 3 29 28 4 1 Sony Bank Disclosure 2016 39

402016 Sony Bank Disclosure 32.34 28 4 1 29 4 1 30.86 30 4 1 30.62 7538 59 54 1....2,050 2. 285 1,332 4097 96134 3. 1,443 3 4. 3,061 2. 3. 5. 326 11 28 8,603 6....44,240...40,000 34,749 427 8.... 1,934 9. 20,000 10.... 11 11....31,003 1.... 0... 3...235...343 1. 28 3 31 7,980 8,212 231 273 283 10 8,254 8,495 241 8,254 8,495 241 2. 28 3 31 2,050 7. 25, 611 122,011

175,071 164,469 10,602 73,506 66,273 7,233 37,811 36,384 1,427 63,753 61,812 1,941 289,500 283,186 6,314 284,640 280,016 4,624 4,860 3,170 1,689 464,572 447,655 16,916 1. 664 277 223 199 1,117 514 2,995 599 600 0 713 2,282 599 600 0 146,400 147,110 709 146,400 147,110 709 724 21 746 1,536 147,000 147,710 709 611,572 595,366 16,206 1 1. 1...124,883 91 4. 2. 1...6,310 36 27 4 1 28 3 31 57,419 162 21 1. 5,531 16 18,804 117 33,083 28 21 2. 31,788 297 160 31,788 297 160 3. 89,208 459 181 4. 1. 28 3 31 23,000 23,000 1. 2. 28 3 31 3. Sony Bank Disclosure 2016 41

422016 Sony Bank Disclosure 2011 2012 2013 2014 2015 1 30,075 31,351 33,994 35,714 34,892 2 4,033 4,282 5,845 7,298 5,857 3 2,340 879 3,585 4,634 3,912 4 31,000 31,000 31,000 31,000 31,000 620,000 620,000 620,000 620,000 620,000 5 62,796 67,811 72,774 77,064 77,428 6 1,890,503 2,005,081 2,056,704 2,062,525 2,126,564 7 1,762,282 1,857,447 1,890,022 1,878,256 1,923,506 8 835,582 970,226 1,057,419 1,187,187 1,344,184 9 912,933 908,847 773,811 730,013 620,993 10 11.58 11.98 11.72 10.65 9.89 11 50.07 12 321 371 430 455 456 2014 2015 11,640 5,024 16,665 12,649 3,876 16,525 (113) (56) 16,468 9,777 26,132 16,885 8,652 25,482 (113) (56) 4,827 4,752 9,466 4,236 4,776 8,956 39 67 27 72 78 150 3,281 90 3,372 3,753 88 3,842 3,321 23 3,345 3,681 10 3,692 835 5,027 5,863 377 4,631 5,008 939 5,057 5,997 398 4,791 5,189 103 30 134 21 160 181 12,436 10,119 22,555 13,098 8,585 21,684 0.81% 2.01% 1.14% 0.83% 1.86% 1.08% 1. 2. 2014 732015 64 3. 4. 100

2014 2015 (68,339) (113) (40,019) (56) 1,528,827 16,468 1.07% 1,577,374 16,885 1.07% 1,090,738 14,008 1.28% 1,249,373 14,651 1.17% 269,283 2,244 0.83% 209,673 2,106 1.00% 6,000 7 0.12% 5,598 7 0.12% 94,463 93 0.09% 67,444 61 0.09% % 275 0 0.14% ( ) ( ) ( ) ( ) 1,515,616 4,827 0.31% 1,565,074 4,236 0.27% 1,490,904 2,478 0.16% 1,531,568 2,149 0.14% 6,000 6 0.10% 5,669 5 0.09% 40,000 253 0.63% 50,765 264 0.52% 1. 2. 2014 2,0052015 1,531 2014 21,3472015 23,000 2014 672015 62 2014 2015 ( ) ( ) ( ) ( ) 502,476 9,777 1.94% 459,444 8,652 1.88% 5,712 61 1.07% 9,051 88 0.97% 489,164 9,715 1.98% 445,850 8,564 1.92% % % % % % % (68,339) (113) (40,019) (56) 417,281 4,752 1.13% 364,696 4,776 1.30% 349,408 2,534 0.72% 324,800 2,680 0.82% % % % % 1. 2. 2014 5172015 200 2014 52015 2 2014 2015 1,962,964 26,132 1.33% 1,996,800 25,482 1.27% 1,096,450 14,070 1.28% 1,258,425 14,739 1.17% 758,447 11,960 1.57% 655,523 10,671 1.62% 6,000 7 0.12% 5,598 7 0.12% 94,463 93 0.09% 67,444 61 0.09% % 275 0 0.14% 1,864,559 9,466 0.50% 1,889,751 8,956 0.47% 1,840,312 5,012 0.27% 1,856,369 4,829 0.26% 6,000 6 0.10% 5,669 5 0.09% 40,000 253 0.63% 50,765 264 0.52% 2014 2,0052015 1,531 2014 21,8652015 23,200 2014 732015 64 Sony Bank Disclosure 2016 43

442016 Sony Bank Disclosure 2014 2015 1.07% 1.94% 1.33% 1.07% 1.88% 1.27% 0.31% 1.13% 0.50% 0.27% 1.30% 0.47% 0.75% 0.80% 0.82% 0.79% 0.57% 0.80% 2014 2015 400 688 287 522 105 417 1,247 1,326 79 2,037 1,395 642 647 353 293 496 359 137 0 0 0 0 0 0 19 5 13 26 5 32 0 0 119 674 555 157 749 591 49 316 266 67 396 329 0 0 0 0 0 0 72 75 2 68 56 11 2014 2015 1,008 817 191 837 287 1,124 23 8 15 35 9 26 993 816 176 860 290 1,151 330 774 1,105 598 622 24 152 526 373 178 323 145 0 0 0 2014 2015 301 497 196 450 1,100 649 1,273 1,337 63 2,078 1,409 668 690 573 116 1,623 334 1,288 0 0 0 0 0 0 19 5 13 26 5 32 0 0 29 419 449 127 638 510 0 107 106 43 227 183 0 0 0 0 0 0 72 75 2 68 56 11

2014 2015 3,700 3,592 117 131 496 524 1,192 1,249 1,087 1,173 2,300 2,055 8 5 141 222 34 31 8 15 719 743 979 1,927 15 18 1,731 1,629 745 918 997 612 1,069 1,139 15,346 15,991 2014 2015 0.36% 0.28% 9.74% 7.58% 0.23% 0.19% 6.18% 5.06% 2014 2015 479,918 176,848 656,767 522,222 167,584 689,806 1,010,935 172,557 1,183,492 1,009,260 157,214 1,166,475 50 2 52 85 1 86 1,490,904 349,408 1,840,312 1,531,568 324,800 1,856,369 2014 2015 494,003 169,085 663,088 503,957 178,474 682,432 1,053,960 161,192 1,215,153 1,080,159 160,749 1,240,909 14 14 150 14 164 1,547,978 330,278 1,878,256 1,584,267 339,238 1,923,506 2014 5,3952015 10,913 Sony Bank Disclosure 2016 45

462016 Sony Bank Disclosure 2014 2015 3 135,469 135,469 290,247 290,247 36 529,308 529,308 315,660 315,660 61 384,084 384,084 459,673 459,673 1 2 29,534 29,534 13,882 13,882 2 3 11,118 11,118 9,101 9,101 3 60,871 60,871 84,184 84,184 1,150,387 1,150,387 1,172,749 1,172,749 2014 2015 1,085,184 5,712 1,090,896 1,241,588 9,051 1,250,640 5,553 5,553 7,785 0 7,785 1,090,738 5,712 1,096,450 1,249,373 9,051 1,258,425 2014 2015 1,172,605 7,814 1,180,420 1,322,682 9,368 1,332,050 6,766 6,766 12,133 0 12,133 1,179,372 7,814 1,187,187 1,334,815 9,368 1,344,184 2014 2015 1 103 34,140 34,243 585 30,049 30,634 13 2,507 36,829 39,337 3,297 30,649 33,946 35 3,474 22,022 25,496 4,790 22,932 27,722 57 8,658 16,807 25,466 9,523 22,914 32,438 710 22,830 17,860 40,691 23,881 18,304 42,185 10 537,722 484,229 1,021,951 502,278 674,977 1,177,256 575,297 611,890 1,187,187 544,356 799,827 1,344,184

2014 2015 797,292 922,520 797,292 922,520 94,738 121,070 295,156 300,593 1,187,187 1,344,184 2014 2015 1,083,149 1,251,919 104,037 92,264 1,187,187 1,344,184 2014 2015 1,079,643 90.94% 1,247,703 92.82% 107,543 9.06% 96,480 7.18% 40,813 3.44% 34,605 2.57% 1,753 0.15% 1,536 0.11% 1,000 0.08% 1,000 0.07% 620 0.05% 1,907 0.14% 7,995 0.67% 6,969 0.52% 12,537 1.06% 7,432 0.55% 13,780 1.16% 9,821 0.73% 23,555 1.98% 26,431 1.97% 2,456 0.21% 3,750 0.28% 3,030 0.26% 3,026 0.23% 1,187,187 100.00% 1,344,184 100.00% Sony Bank Disclosure 2016 47

482016 Sony Bank Disclosure 100 5 100 2014 2015 A) 1,187,187 1,344,184 B) 1,087,844 1,262,492 B)/(A) 91.63% 93.92% 31 5 300100 50 2014 2015 76.18% 2.36% 63.20% 84.25% 2.76% 69.88% 73.15% 1.63% 59.57% 81.57% 2.78% 67.78% 2014 2015 207 285 1,430 1,332 3 1,715 1,443 3,353 3,061 2014 2015 595 195 512 82 559 177 523 35 1,154 373 1,035 118 2014 2015 0 0

2015 1 1 3 3 5 5 7 7 10 10 4,009 29,798 1,056 2,147 44,475 81,487 2,629 14,922 20,259 37,811 4,729 8,060 22,054 27,427 2,080 273 64,626 2,050 2,050 126,787 147,855 86,378 41,874 22,676 5,469 3,975 435,017 126,787 147,855 86,378 41,874 22,676 5,469 431,041 3,975 3,975 138,155 185,714 124,411 91,708 24,757 50,218 6,026 620,993 2014 1 1 3 3 5 5 7 7 10 10 23,489 11,579 2,130 45,679 82,878 2,675 526 51,063 2,402 56,668 26,675 10,007 12,303 39,323 19,127 313 107,750 2,050 2,050 139,369 168,507 109,667 21,838 36,727 4,554 480,665 139,369 168,507 109,667 21,838 36,727 476,110 4,554 4,554 166,044 204,679 134,078 114,355 58,256 45,992 6,605 730,013 2014 2015 73,978 73,978 79,519 79,519 54,926 54,926 44,202 44,202 135,985 135,985 81,542 81,542 2,050 2,050 2,050 2,050 2,342 489,164 491,506 2,358 445,850 448,209 489,164 489,164 445,850 445,850 2,342 2,342 2,358 2,358 269,283 489,164 758,447 209,673 445,850 655,523 2014 2015 82,878 82,878 81,487 81,487 56,668 56,668 37,811 37,811 107,750 107,750 64,626 64,626 2,050 2,050 2,050 2,050 4,554 476,110 480,665 3,975 431,041 435,017 476,110 476,110 431,041 431,041 4,554 4,554 3,975 3,975 253,902 476,110 730,013 189,951 431,041 620,993 Sony Bank Disclosure 2016 49

502016 Sony Bank Disclosure 2014 2015 16.40% 144.15% 38.86% 11.98% 127.06% 32.28% 18.06% 139.99% 41.21% 13.69% 137.26% 35.31% 100 1. 2. 2015 7,980 8,212 231 273 283 10 8,254 8,495 241 8,254 8,495 241 2014 7,971 8,305 333 313 327 14 8,284 8,632 347 8,284 8,632 347

2015 175,071 164,469 10,602 73,506 66,273 7,233 37,811 36,384 1,427 63,753 61,812 1,941 289,500 283,186 6,314 284,640 280,016 4,624 4,860 3,170 1,689 464,572 447,655 16,916 599 600 0 599 600 0 146,400 147,110 709 146,400 147,110 709 147,000 147,710 709 611,572 595,366 16,206 2014 218,017 210,175 7,841 58,910 55,466 3,443 56,668 54,585 2,082 102,438 100,123 2,315 352,552 344,168 8,384 347,998 341,882 6,115 4,554 2,286 2,268 570,569 554,344 16,225 20,995 21,262 266 15,997 16,261 264 4,998 5,000 2 128,112 128,291 179 128,112 128,291 179 149,107 149,553 445 719,677 703,898 15,779 2015 2014 2,050 2,050 Sony Bank Disclosure 2016 51

522016 Sony Bank Disclosure 2015 2015 2014 565 2015 23,000 23,000 2014 23,000 23,000 1 25,921 25,921 25 25 25,921 25,921 25 25 1. 2. 1 50,111 49,942 2,048 333,785 286,112 26,945 28,993 1.24 14 2 13 2.

1 39,000 39,000 1,095 362,048 321,092 24,635 25,731 1.24 14 2 13 2. 2015 1 80,622 23 23 146,481 239 239 54,688 1,920 1,920 20,508 794 794 210 2 0 211 2 0 12,735 680 680 3,611 3,612 1. 2. 1 15,206 296 296 1. 2. 2014 Sony Bank Disclosure 2016 53

542016 Sony Bank Disclosure 2014 1 123,229 49 49 188,611 121 121 63,105 1,319 1,319 20,875 1,624 1,624 503 3 0 514 3 0 12,917 903 903 427 426 1. 2. 1 8,998 2,168 435 435 1. 2. 2014 2015 744 732 899 890 1,716 1,443 1,186,701 1,342,916 1,190,062 1,345,983

17 10 7 2835 2016 6 27 1. 2015 4 12016 3 31 15 2. 1 2 3 Sony Bank Disclosure 2016 55

56 Capital Adequacy 2016 Sony Bank Disclosure 19 2 15 26 73 14 2 18 19 1 1. 2014 2015 1 72,514 74,459 52,000 52,000 20,514 24,419 1,959 17 62 0 18 62 595 512 595 512 18,000 16,000 1,162 1,063 92,254 91,972 2 711 2,446 1,317 1,946 99 19 611 2,446 1,297 1,946 8 32 719 1,317 91,535 90,655

3 817,767 875,944 34,449 23,063 2,446 1,946 32 36,928 25,009 43,778 44,644 861,546 920,589 10.62% 9.84% 2. 2014 2015 1 72,715 74,668 52,000 52,000 20,715 24,627 1,959 595 512 595 512 18,000 16,000 91,310 91,180 2 397 1,588 899 1,349 397 1,588 899 1,349 397 899 90,913 90,280 2016 Sony Bank Disclosure 57

58 2016 Sony Bank Disclosure 3 813,951 872,034 35,339 23,660 1,588 1,349 36,928 25,009 39,250 40,094 853,202 912,128 10.65% 9.89% 1.. 26. 2 SmartLink Network Hong Kong Limited. 32.. 2. 2016 3 100 620 10,000 10,000 10 2021 10 26 5 10 2023 2 1 5 3. 2016 3 9.84 4

4.. 1 1 3 3 1 2 3 1 3 3. 5 R&I JCR Moody s S&P Fitch 5. 2016 Sony Bank Disclosure 59

60 2016 Sony Bank Disclosure ISDA 122. 6. Value at Risk.. 27.. 7... 249436.. 5 R&I JCR Moody s S&P Fitch..

8. 27 9... 10. 11.. BPV GPS Value at Risk ALM. GPS 5 5 50% 5 2.5 51 99%1% 2016 Sony Bank Disclosure 61

62 2016 Sony Bank Disclosure 1. 2961 2. 1 2014 2015 810,155 32,406 867,411 34,696 15,285 611 8,693 347 63,496 2,539 61,958 2,478 199,435 7,977 189,493 7,579 269,078 10,763 291,085 11,643 244,431 9,777 290,008 11,600 1,901 76 9,222 368 343 13 252 10 16,180 647 16,520 660 ix 176 7 6,978 279 7,804 312 8 633 25 728 29 817,767 32,710 875,944 35,037 1. 4 2. 3. 3 2 2014 2015 32,710 35,037 1,751 1,785 34,461 36,823 3. 1 2014 2015 2014 2015 2014 2015 2014 2015 409,843 356,035 3,030 3,026 310,922 236,670 254,670 213,407 5,008 3,005 175,246 145,352 334,748 313,202 97,603 82,450 226,014 220,713 380,600 419,107 381,088 418,932 254 115 698,501 828,690 698,555 828,264 124 391 1,901 8,002 1,900 7,998 9,916 10,635 2,090,182 2,149,081 1,187,187 1,343,677 712,183 602,736 379 506 1. 3 506 2. 3. P.46 P.49

2 2014 2015 790 195 595 595 82 512 737 177 559 559 35 523 737 177 559 559 35 523 1,527 373 1,154 1,154 118 1,035 3 2014 2015 0 0 0 0 4 2014 2015 0% 296,773 20 284,042 7,819 10 % 86,884 47,672 20 % 351,099 503 300,667 35 % 698,376 828,594 50 % 160,964 64,766 152,143 92,480 75 % 315,667 326,488 100 % 69,217 26,418 56,271 26,301 150 % 3,015 15 700 250 % 13,665 2,792 23,160 2,738 1250 % 981,620 1,108,561 864,657 1,284,423 1. 2. 4. 2014 2015 6,000 6,000 66,159 96,431 66,159 96,431 72,159 96,431 5. 1 2016 Sony Bank Disclosure 63

64 2016 Sony Bank Disclosure 2 2014 2015 1,168 1,505 4,988 4,699 6,157 6,204 1,837 2,151 4,319 4,053 4,084 3,787 2,072 2,418 2,072 2,418 1. 0 2. 3. 3 6. 1 2 2014 2015 884 884 3 2014 2015 2014 2015 20% 884 7 50% 100% 350% 7. 27 8.

9. 10. 2014 2015 437 686 152 312 229 293 55 80 0.4% 0.7% 1. 11. P. 61 2. 1. 1 2014 2015 806,338 32,253 863,501 34,540 15,285 611 8,693 347 62,642 2,505 63,300 2,532 197,761 7,910 187,277 7,491 269,078 10,763 291,085 11,643 244,431 9,777 290,008 11,600 1,901 76 9,222 368 343 13 252 10 14,893 595 13,484 539 ix 176 7 6,978 279 7,804 312 8 633 25 728 29 813,951 32,558 872,034 34,881 1. 4 2. 3. 3 2 2014 2015 32,558 34,881 1,570 1,603 34,128 36,485 2016 Sony Bank Disclosure 65

66 2016 Sony Bank Disclosure 2. 1 2014 2015 2014 2015 2014 2015 2014 2015 409,843 356,035 3,030 3,026 310,922 236,670 250,400 209,863 5,008 3,005 175,246 145,352 327,567 303,545 97,603 82,450 226,014 220,713 380,600 419,107 381,088 418,932 254 115 698,501 828,690 698,555 828,264 124 391 1,901 8,002 1,900 7,998 10,482 11,129 2,050 2,050 2,079,296 2,136,373 1,187,187 1,343,677 714,233 604,787 379 506 1. 3 506 2. 3. P.46 P.49 2 2014 2015 790 195 595 595 82 512 737 177 559 559 35 523 737 177 559 559 35 523 1,527 373 1,154 1,154 118 1,035 3 2014 2015 0 0 0 0 4 2014 2015 0 % 296,773 20 284,042 7,819 10 % 86,884 47,672 20 % 340,205 503 288,179 35 % 698,376 828,594 50 % 160,550 64,766 151,571 92,480 75 % 315,667 326,488 100 % 69,074 27,625 56,271 27,241 150 % 3,015 15 700 250 % 13,665 2,150 23,160 2,149 1250 % 970,169 1,109,127 851,598 1,284,775 1. 2.

3. 2014 2015 6,000 6,000 66,159 96,431 66,159 96,431 72,159 96,431 4. 1 2 2014 2015 1,168 1,505 4,988 4,699 6,157 6,204 1,837 2,151 4,319 4,053 4,084 3,787 2,072 2,418 2,072 2,418 1. 0 2. 3. 3 2016 Sony Bank Disclosure 67 5. 1 2 2014 2015 884 884

68 2016 Sony Bank Disclosure 3 2014 2015 2014 2015 20% 884 7 50% 100% 350% 6. 39 7. 1 2014 2015 2,050 2,050 2 3 4 8. 9. 2014 2015 437 686 152 312 229 293 55 80 0.4% 0.7% 11. P.61 1. 1 24 3 29 21

.. 1 a. SmartLink Network Hong Kong Limited b. 2016 3 2016 3 2016 3 2016 3 c. 2. 2016 3 4 2. 3 2015 1 2. 1 2 3. 0%200% 4. 2016 3 5 119 96 23 1 35 12 23 5. 2016 Sony Bank Disclosure 69

70 2016 Sony Bank Disclosure 19 2 24 48 20 48 21 48 20 48 20 49 24 49 20 50 11 16 42 14 42 16 42 15 42 36 42 37 42 38 43 48 43 48 44 3 48 44 48 45 56 45 50 46 52 46 52 46 48 47 48 47 36 47 68 19 3 24 35 24 35 11 3 35 35 35 26 56 27 35 28 26 68 4 54 54 54 54

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