STRENGTH Business Portfolio ALM 6 Sony Financial Holdings Inc. 2018
11Visa Sony Bank WALLET Sony Financial Holdings Inc. 2018 7
Consistently Strong GROWTH 1 5,036 668 SFH 3 31 1 2004 4 2007 10 1 ALM 2005 6,532 122 2006 7,587 253 2007 7,592 183 2008 8,221 445 2009 8,603 342 2011 10,022 768 2012 10,780 746 2014 13,204 761 2015 13,523 900 2016 13,620 711 2017 13,816 663 2018 15,036 668 2010 9,789 843 2013 12,590 792 8 Sony Financial Holdings Inc. 2018
12 4,014 6,254 3 31 2004 4 2007 10 1 2005 1,828 32,822 2006 2,630 39,170 2007 2,701 43,237 2008 2,616 49,774 2009 2,048 53,136 2011 2,948 65,971 2012 3,478 72,414 2014 4,670 88,413 2015 5,506 95,458 2016 6,043 103,521 2017 6,011 114,718 2018 6,254 124,014 2010 2,694 60,010 2013 4,354 80,961 9 Sony Financial Holdings Inc. 2018
2C Consistently Strong GROWTH *1 47.2 45.3 47.2 43.1 40.9 5 36.0 37.7 39.0 34.7 3 30.2 31.4 32.5 33.4 29.0 27.8 26.2 24.7 23.4 1 21.5 18.8 1981 4 10.9 1979 8 3.9 0.04 0.2 0.7 1.9 1980 1982 1985 1988 1991 1994 1997 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 *1 3 31 LiPSS 10 Sony Financial Holdings Inc. 2018
1998 6 1999 13 2000 75 2001 162 2002 236 2003 * 2 No.1 SURE 303 374 449 501 546 ZiPPi * 2 15 No.1 608 670 728 1,070 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 783 825 873 904 943 990 1,070 *2 3 3 31 1 *3 2001 4 6 0.1 2002 0.2 2003 0.4 0.7 0.9 1 *3 3 1.1 1.5 1.8 2.1 2 Sony Bank WALLET 1 2 3.2 3.0 2.9 2.8 2.6 2.4 3.9 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 3.6 3.9 3 31 Sony Bank WALLET 15No.1 2017 3 Sony Financial Holdings Inc. 2018 11
Inspiring the FUTURE 1 P6 Strength P8 Growth 2 3 4 16 12 Sony Financial Holdings Inc. 2018
3 2013 11 7 Fintech P30 4 3 P20 Sony Financial Holdings Inc. 2018 13
3 31 1 2009 2010 860,323 978,991 34,253 84,373 30,722 48,126 71,066 3 31 5,313,677 6,001,088 204,897 269,439 1 2 13.32% 12.05% 1 3 31 1 765,910 881,798 32,409 80,099 33,783 46,138 3 31 3,810,929 4,286,540 140,730 191,312 1 2,060.5% 2,637.3% 3 31 1 61,882 68,174 2,178 2,565 1,556 1,604 3 31 86,698 98,340 13,678 15,482 1 993.0% 1,018.5% 3 31 1 33,361 30,500 414 2,930 710 1,646 3 31 1,411,956 1,612,186 46,264 58,989 1 2 13.37% 12.09% 1 2 2017 3 3 7% 3% 11% 10% 2% 21% 90% 81% 77% 14 Sony Financial Holdings Inc. 2018
2011 2012 2013 2014 2015 2016 2017 2018 1,002,201 1,078,070 1,259,041 1,320,456 1,352,325 1,362,044 1,381,667 1,503,630 76,860 74,625 79,252 76,136 90,062 71,103 66,326 66,843 41,716 32,812 45,064 40,504 54,419 43,355 41,621 51,895 31,963 60,376 96,225 44,794 90,707 71,105 21,433 52,207 6,597,140 7,241,414 8,096,164 8,841,382 9,545,868 10,352,114 11,471,845 12,401,446 294,877 347,800 435,444 467,050 550,672 604,377 601,139 625,406 10.96% 10.14% 9.88% 12.02% 11.91% 10.70% 14.39% 18.58% 1,380.3% 1,520.6% 1,563.8% 1,634.9% 1,637.1% 1,632.9% 1,748.7% 900,091 967,400 1,142,274 1,197,109 1,223,827 1,230,141 1,243,739 1,351,076 73,176 69,436 74,659 69,205 79,665 60,792 60,180 56,338 40,220 31,426 42,444 37,063 42,524 37,096 35,185 45,134 4,723,332 5,222,846 5,952,750 6,624,903 7,301,350 8,035,408 8,873,613 9,567,689 215,387 264,836 342,333 369,230 432,526 482,195 473,589 492,787 2,900.1% 1,980.4% 2,281.8% 2,358.7% 2,555.0% 2,722.8% 2,568.8% 2,624.3% 74,166 80,096 84,711 89,864 93,022 96,905 102,333 110,092 2,144 2,859 2,371 3,003 4,209 4,680 4,996 6,574 1,297 1,299 1,454 1,664 2,233 2,586 3,515 4,821 109,382 118,612 127,421 142,714 157,919 172,323 186,537 204,362 16,772 18,009 19,934 21,418 24,741 28,305 29,409 33,189 981.4% 557.8% 504.2% 527.6% 629.6% 693.5% 730.8% 782.1% 29,521 30,075 31,351 33,994 35,714 34,892 35,105 36,270 3,377 4,033 4,282 5,845 7,298 5,857 4,634 6,557 2,054 2,340 879 3,585 4,634 3,912 3,176 4,474 1,761,830 1,890,503 2,005,081 2,056,704 2,062,525 2,126,564 2,424,236 2,635,028 59,971 62,796 67,811 72,774 77,064 77,428 81,332 85,729 10.84% 11.58% 11.98% 11.72% 10.65% 9.89% 9.75% 10.45% 7 1 R&I AA AA JCR AA S&P S&P A+ A A-1 Sony Financial Holdings Inc. 2018 15
2019 3 2021 3 Fintech 10 2 2 TARGETS 3 3 3 1.50 1.76 668 770 518 500 US-GAAP * 1 1,789 1,800 ROE 6.1%* 2 7% *1 33 2019 3 *2 3 P21ROE 16 Sony Financial Holdings Inc. 2018
MANAGEMENT MESSAGES Page 18 Page 22 Page 26 Page 28 Sony Financial Holdings Inc. 2018 17
* 1 47.2 55 1,070 1,200 3.9 5.0 CAGR 5% CAGR 4% CAGR 8% *2 *2 *2 3 3 3 3 3 3 *1 *2 CAGR:Compound Annual Growth Rate ROE* 3 % 1.76 1.50 1.38 663 668 770 6.1% 7% 3.9% 2017 3 3 3 2017 3 3 3 2017 3 3 3 *3 3 3 2021 3 3 3 ROEV ROE 37 18 Sony Financial Holdings Inc. 2018
2019 32021 3 P22 P30 P26 P28 1. Fintech AI 2. 7 SFHFintech 3. M&A/ Sony Financial Holdings Inc. 2018 19
ERM ERM PDCA ERM : ROEV : ROE : ROE : : ERM SFH SFH SFH SFHhttps://www.sonyfh.co.jp/ja/info/operation.html 20 Sony Financial Holdings Inc. 2018
ROE ROE ROEV 36% ROE 13 ROE 6.8 ROE7 3 3 ROE * 6.1% 7% ROEV * 5.9% 6% ROE 16.1% 13% ROE 5.5% 6.8% * 3 ROE ROE ROEROE ROEV MCEV*MCEV*2 ROE ROE ROE ROE MCEV*MCEV*2 * CFO MCEV MCEV Principles ** EV ** Copyright Stichting CFO Forum Foundation 2008 Sony Financial Holdings Inc. 2018 21
2019 3 22 Sony Financial Holdings Inc. 2018 Fintech 80 35,142 3 5,700
* 1 * 2 LiPSS 100 4,329 4,612 4,933 108 5,142 5,700 2015 3 2016 3 2017 3 3 *1 *2 2015 3100 3 20 *** * ** * 1 * 2 100 108 92 77 100 4.7 5.1 4.9 5.2 6.0 2015 2016 2017 2015 2016 2017 3 3 3 3 3 3 3 3 *1 2015 3100 *2 3 3 Sony Financial Holdings Inc. 2018 23
Fintech 2017 10 7 2 Fintech AI 31 6,332 MCEV 3 1 8,000 MCEV ROEV3 ROEV6% MCEV 1.4 2017 3 1.6* 1 3 ROEV 6% *1 3 *2 3 1.8 * 2 3 24 Sony Financial Holdings Inc. 2018
3 3 3 47.2 55 *1 5,142 5,700 MCEV *2 1.6 1.8 ROEV *3 5.9% 6% 541 620 *1 *2 33 *3 3 36 Sony Financial Holdings Inc. 2018 25
2019 3 CX 3 Fintech 65 2014 35 *PHYDPay How You Drive Yahoo! JAPAN PHYD * 6 Sony Financial 26 Holdings Inc. 2018
898 930 969 1,023 1,100 93.8% 91.0% 71 90.4% 90.6% 89.2% 100 81 76 65 42 42 30 46 49 2014 3 2015 3 2016 3 2017 3 3 2014 3 2015 3 2016 3 2017 3 3 E.I. E.I. 3 3 3 1,070 1,200 E.I. 89.2% 60.7% 28.5% 89% 65 70 * 100 110 ROE 16.1% 13% * 44 Sony Financial Holdings Inc. 2018 27
2019 3 11VisaSony Bank WALLET AI Fintech Open API RPA Sony Bank Sony Bank WALLET WALLET337 34,000 Sony Bank WALLET 3 5,300 AI 3 2.1 CONSULTING PLAZA Sony Financial 28 Holdings Inc. 2018 ROE 6.8
4,046 3,480 5,300 1.5 1.4 2.1 2017 3 3 3 2017 3 3 3 % 1.13 1.31 362 432 0.91 0.94 0.22 0.37 32 60 3 3 3 3 3 3 3 * 1 3.9 5.0 246 335 71 97 ROE 5.5% 6.8% 36 51 6 12 *1 50 Sony Financial Holdings Inc. 2018 29
Life Focus 2 32018 11 26 11 653,519 2017 11 1 27.8 10 2007 11 14.71 3.61 2036 31 2017 3561 10 10 1,804 460.54 4 29 30 Sony Financial Holdings Inc. 2018