SUPPLEMENTARY TABLE OF CONTENTS A. SUMMARY OF FINANCIAL RESULTS B. SUMMARY OF LOANS AND OTHER ASSETS/ LIABILITIES

Transcription

1 November 22, 2001 SUPPLEMENTARY TABLE OF CONTENTS A. SUMMARY OF FINANCIAL RESULTS 1. INCOME STATEMENTS (Consolidated) 1 2. INCOME STATEMENTS (Combined) 2 3. BUSINESS PROFIT PER EMPLOYEE (Consolidated, Combined) 3 4. ROE (Consolidated, Combined) 3 5. PROFIT MARGIN (DOMESTIC BANKING BUSINESS) (Combined) 4 6. BOND RELATED GAINS AND LOSSES (Combined) 4 7. GAIN AND LOSSES ON STOCKS AND OTHER EQUITY SECURITIES (Combined) 4 8. UNREALIZED PROFITS /LOSSES ON SECURITIES(Consolidated, Combined) 5 9. BIS RISK ADJUSTED CAPITAL RATIO (Consolidated) NUMBER OF PERSONNEL (Combined) NUMBER OF OUTLETS (Combined) 7 B. SUMMARY OF LOANS AND OTHER ASSETS/ LIABILITIES 1. RISK MONITORED LOANS (LOANS TO BANKRUPT COMPANIES, OTHER DELINQUENT LOANS, LOANS PAST DUE 3 MONTHS, AND RESTRUCTURED LOANS) 8 2. RESERVES FOR RISK MONITORED LOANS 8 3. PROBLEM LOANS (Combined) 9 4. COVERAGE FOR PROBLEM LOANS (Combined) 9 5. OFF-BALANCING OF PROBLEM LOANS (Combined) INDUSTRIAL CLASSIFICATIONS OF LOANS (Combined) LOANS FOR CONSUMERS (Combined) BALANCE AND RATIO OF LOANS TO SMALL-SIZED COMPANIES OVERSEAS EXPOSURE (Combined) BALANCE OF LOANS AND DEPOSITS (Combined) 15 C. FORECAST FOR FISCAL YEAR ENDING MARCH 31, FORECAST OF FINANCIAL RESULTS (Non-consolidated and Consolidated) FORECAST OF DIVIDENDS DECLARED (Non-consolidated) FORECAST OF BIS CAPITAL RATIO (Consolidated) 17 *Combined: Combined non-consolidated figures of Sanwa, Tokai and Toyo Trust

2 A. SUMMARY OF FINANCIAL RESULTS 1. INCOME STATEMENTS (Consolidated) (Table A-2) Six Months Ended September 30, 2001 Gross Operating Profit 936,214 Net Interest Income 535,579 Trust Fees (before write-off) 62,617 Fees and Commissions 123,808 Trading Revenue 63,777 Other Operating Net Income 150,430 Less: General and Administrative Expenses 421,883 Less: Net Transfer to General Reserve 7,546 Other Income and Expenses - Net (583,252) Gains & Losses on Stocks and Other Equity Securities (200,038) Credit Costs (323,536) Loans Written-off (176,724) Net Transfer to Specific Reserve (115,138) Losses on Sales of Loans to CCPC (10,308) Transfer to Reserve for Contingent Liabilities Related to Loans Sold (16,727) Losses on Loans Securitized/ Sold (14,291) Gains on Loans Securitized/ Sold 3,577 Losses on Supporting Specific Borrowers (2) Transfer to Reserves for Supporting Specific Borrowers - Transfer to Specific Reserve for Loans to Refinancing Countries 6,078 Credit Costs (Trust Account) (30,588) Gains & Losses in Investment under Equity Method (7,518) Ordinary Profit (Keijo Rieki) (76,468) Extraordinary Gains and Losses 34,866 Income (Loss) before Income Taxes & Minority Interests (41,601) Provision for Income Taxes 17,022 Deferred Income Taxes 5,141 Minority Interests in Net Income (Loss) 3,676 Net Income (67,441) <Reference> Six Months Ended September 30, Billions of Yen 2001 Consolidated Business Profit * Consolidated Business Profit (After Write-offs in Trust Account) * * Managerial figures, based on internal managerial accounting, calculated by adding non-consolidated Business Profit of Sanwa, Tokai and Toyo Trust to profits, losses of UFJ Holdings, subsidiaries and affiliates(**), taking into account the parent company's ownerships ratios on each company and adjusting for internal transactions. ** Profits and losses of UFJ Holdings and subsidiaries and affiliates consist of Net Interest Income, Fees and Commissions,Trading Profit and Other Operating Income (Net), minus General and Administrative Expenses and Net Transfer to General Reserve. <Reference> September 30, 2001 Number of Consolidated Subsidiaries 132 Number of Companies Accounted for under Equity Method

3 2. INCOME STATEMENTS (Combined) (Table A-1) Six Months Ended September 30, Variance Gross Operating Profit* 821, , ,663 G.O.P. from Domestic Banking Business 675, , ,491 Net Interest Income 429, ,427 19,925 Trust Fees (before write-off) 62,666 44,710 17,955 Fees and Commissions 75,431 73,136 2,294 Trading Revenue 802 (4,427) 5,230 Other Operating Net Income 106,770 3, ,085 G.O.P. from International Banking Business 146,340 77,168 69,171 Net Interest Income 68,007 38,001 30,005 Trust Fees (before write-off) Fees and Commissions 11,011 9,376 1,635 Trading Revenue 37,380 16,562 20,817 Other Operating Net Income 29,872 13,160 16,712 Less: General and Administrative Expenses 329, ,078 5,344 Personnel Expenses 130, ,018 (6,345) Non-personnel Expenses 181, ,287 10,958 Tax Expenses 17,504 16, Business Profit Before Net Transfer to General Reserve* 491, , ,319 Excluding Gains and Losses on Bonds 374, , ,795 Less: Net Transfer to General Reserve * (14,045) (6,991) (7,053) Business Profit (Gyomu Jun-eki)* 505, , ,373 Gains & Losses on Bonds 117,606 11, ,524 Other Income and Expenses - Net (496,875) (116,258) (380,616) Gains & Losses on Stocks and Other Equity Securities (206,230) 200,352 (406,582) Gains on Sales 182, ,267 (74,256) Losses on Sales (63,803) (23,562) (40,240) Revaluation Losses (324,437) (32,352) (292,085) Credit Costs (230,998) (311,677) 80,679 Loans Written-off (163,886) (160,480) (3,405) Net Transfer to Specific Reserve (60,747) (117,556) 56,808 Losses on Sales of Loans to CCPC (10,308) (6,844) (3,463) Transfer to Reserve for Contingent Liabilities Related to Loans Sold (16,707) (10,735) (5,971) Losses on Loans Securitized/ Sold (6,216) (8,175) 1,959 Gains on Loans Securitized/ Sold 3,557 3, Losses on Supporting Specific Borrowers (2) (361) 358 Transfer to Reserves for Supporting Specific Borrowers 17,363 (11,336) 28,700 Trasnfer to Specific Reserve for Loans to Refinancing Countries 5, ,270 Other Credit Costs Credit Costs (Trust Account) (30,588) (25,565) (5,023) Special Business Tax Imposed on Banks (11,337) (5,595) (5,741) Ordinary Profit (Keijo Rieki) 9, ,355 (161,243) Extraordinary Gains and Losses 39,808 (9,484) 49,293 Gains & Losses on Sales of Premises and Equipment (1,907) (5,889) 3,981 Gains on Sales of Premises and Equipment 4, ,010 Losses on Sales of Premises and Equipment (6,300) (6,271) (29) Gains on Establishment of Retirement Benefit Trusts 47,913-47,913 Amortization of Net Retirement Benefits Obligation at Transition (17,495) (17,495) 0 Income Before Income Taxes 48, ,870 (111,950) Less: Income Taxes (Current) 5,286 49,051 (43,765) Less: Income Taxes (Deferred) 5,180 51,663 (46,483) Net Income 38,453 60,155 (21,702) * Before Write-Offs in Trust Account <Reference> Six Months Ended September 30, Variance Business Profit (After Write-offs in Trust Account) 475, , ,350 Gains & Losses on Bonds 117,606 11, ,

4 3. BUSINESS PROFIT PER EMPLOYEE (Table A-3) (Consolidated) Six Months Ended September 30, Billions of Yen 2001 (1) Consolidated Business Profit Per Employee (Millions of yen) 12.0 * Number of employees includes Executive Officers. (Combined) Six Months Ended September 30, Variance (1) Business Profit Excluding Net Transfer to General Reserve 491, , ,319 Per Employee (thousands of yen) 18,698 9,997 8,701 (2) Business Profit ('gyomu jun-eki') * 505, , ,373 Per Employee (thousands of yen) 19,232 10,247 8,984 Note: Number of employees includes Executive Officers. * Before Write-off in Trust Account 4. ROE (Consolidated) (Table A-4) Six Months Ended Six Months Ended September 30, 2001 ROE based on Net Income * (6.75%) (Combined) (Table A-4) Six Months Ended September 30, Variance (1) ROE based on Business Profit * 43.88% 20.66% 23.22% (2) ROE based on Net Income * 3.17% 3.84% (0.67%) * ROE = (Business Profit * (Net Income) - Dividends for Preferred Stock) X Stockholders' Equity at Beginning of Year Stockholders' Equity at end of Year * Before Write-off in Trust Account No. of Shares of Preferred Stock - /2 - Issue Price - 3 -

5 5. PROFIT MARGIN (DOMESTIC BANKING BUSINESS) (Combined Figures of Sanwa and Tokai) (Table A-5) Six Months ended September 30, Variance (1) Yield on Interest-earning Assets (A) 1.55 % 1.71 % (0.15) % Loans and Bills Discounted (C) 1.76 % 1.86 % (0.09) % Securities 1.09 % 1.09 % 0.00 % (2) Yield on Interest-bearing Liabilities (B) 1.00 % 1.22 % (0.22) % Deposits and Others (D) 1.11 % 1.20 % (0.08) % (I) Deposits 0.12 % 0.18 % (0.05) % (ii) Operating Expenses 0.99 % 1.01 % (0.02) % Call Money and Borrowed Money 0.33 % 0.60 % (0.26) % (3) Profit Margin of Funds (A)-(B) 0.55 % 0.48 % 0.07 % (4) Profit Margin between Loans and Deposits (C)-(D) 0.64 % 0.66 % (0.01) % 6. BOND RELATED GAINS AND LOSSES (Combined) (Table A-6) Six Months Ended September 30, Variance Gains and Losses on Bonds 117,606 11, ,524 Gains on Sales 143,226 16, ,593 Gains on Redemptions Losses on Sales (24,256) (4,504) (19,752) Losses on Redemptions (124) (803) 678 Revaluation Losses (1,342) (275) (1,067) 7. GAINS AND LOSSES ON STOCKS AND OTHER EQUITY SECURITIES (Combined) (Table A-7) Six Months Ended September 30, Variance Gains and Losses on Securities (206,230) 200,352 (406,582) Gains on Sales 182, ,267 (74,256) Losses on Sales (63,803) (23,562) (40,240) Revaluation Losses (324,437) (32,352) (292,085) <For reference> Book value of stocks sold Six Months Ended September 30, Billions of Yen Variance Book value of stocks sold

6 8. UNREALIZED PROFITS/LOSSES ON SECURITIES <Reference> Methods to be applied to evaluate securities Trading Securities Fair Value Method Held-to-Maturity Securities Amortization/ Accumulation Method Stocks issued by Subsidiaries and Affiliates Cost Method Available-for-Sale Securities Fair Value Method (a) Consolidated (Table A-8-a) Sept. 30, 2001 Unrealized Millions of Ye Net Profit Loss Held-to-Maturity debt securities (1) Available-for-Sale Securities (492,318) 407,666 (899,984) (a) Bonds 18,950 41,325 (22,375) (b) Stocks (473,213) 319,724 (792,938) (c) Others (38,054) 46,616 (84,670) Total (492,206) 407,778 (899,985) (a) Bonds 18,974 41,350 (22,375) (b) Stocks (473,213) 319,724 (792,938) (c) Others (37,967) 46,704 (84,672) Notes: Figures for September 30, 2001 include Securities, Negotiable Due from Banks under "Cach and Due from Banks" and Commodity Funds under Monetary Receivablesn Bought. (b) Combined (Table A-8-b) September 30, 2001 March 31, 2001 September 30, 2000 Unrealized Unrealized Unrealized Millions of Ye Net Profit Loss Net Profit Loss Net Profit Loss Held-to-Maturity debt securities Investments in subsidiaries and affiliates Available-for-Sale Securities ,002 17,454 (2,452) (9,728) 339 (10,068) (17,313) 4,191 (21,505) 14,613 14,613-10,924 15,999 (5,074) (530,622) 388,705 (919,327) 395,247 1,179,552 (784,305) 722,072 1,438,499 (716,426) (a) Bonds** 16,118 38,339 (22,220) 112, ,690 (4,803) (51,319) 14,277 (65,596) (b) Stocks (510,310) 306,785 (817,095) 283,739 1,005,444 (721,705) 782,483 1,383,625 (601,142) (c) Others (36,430) 43,580 (80,011) (1,379) 56,417 (57,797) (9,091) 40,596 (49,687) Total (547,936) 392,896 (940,832) 424,863 1,211,621 (786,758) 723,269 1,454,838 (731,568) (a) Bonds** 16,118 38,339 (22,220) 130, ,052 (4,803) (55,590) 14,616 (70,207) (b) Stocks (528,219) 307,355 (835,574) 292,140 1,013,845 (721,705) 788,241 1,394,458 (606,216) (c) Others (35,835) 47,201 (83,037) 2,473 62,723 (60,249) (9,382) 45,763 (55,145) Notes: Figures for September 30, 2001 include Securities, Negotiable Due from Banks under "Cach and Due from Banks" and Commodity Funds under Monetary Receivablesn Bought

7 9. BIS RISK ADJUSTED CAPITAL RATIO (Consolidated) (Table A-9) September 30, Billions of yen 2001 * (1) Capital Ratio % (2) Tier I 3,683.3 Unrealized Loss on Available-for-sale Securiti (301.5) (3) Tier II (The amount included in Total Capital) 2,980.4 (a) Unrealized Profits on Available-for-sale Securities after 55% Discount - (b) Excess of Land Revaluation after 55% Discount (c) Subordinated Debts 2,142.9 (d) General Reserve Sub total 2,980.4 (4) Deducted Items 48.1 (5) Total Capital (2)+(3)-(4) 6,615.6 (6) Risk-Weighted Assets 58,450.9 *Preliminary Announcement - 6 -

8 10. NUMBER OF PERSONNEL (Table A-11) (Non-consolidated) September 30, 2001 (1) Directors and Statutory Auditors 16 (2) Executive Officers* 17 (Combined) September 30, March 31, September 30, (1) Directors and Statutory Auditors (2) Executive Officers* (3) Other Employees 26,251 26,520 27, NUMBER OF OUTLETS (Combined) (Table A-12) September 30, March 31, September 30, (1) Domestic Manned Outlets Domestic Branches Domestic Branches* (2) Overseas Bases** Overseas Branches (3) Total * The number excludes those specialized to maintain only designated accounts for transfers. ** The number includes overseas branches, sub-branches and representative offices

9 B. SUMMARY OF LOANS AND OTHER ASSETS/ LIABILITIES 1. RISK MONITORED LOANS (LOANS TO BANKRUPT COMPANIES, OTHER DELINQUENT LOANS, LOANS PAST DUE 3 MONTHS, AND RESTRUCTURED LOANS) (a) Consolidated (Table B-1-a) Sept. 30, 2001 Loans to Bankrupt Companies 163,152 Ratio to Total Loans Outstanding 0.31 % Other Delinquent Loans 1,608,249 Ratio to Total Loans Outstanding 3.11 % Loans Past Due 3 Months 152,290 Ratio to Total Loans Outstanding 0.29 % Restructured Loans 905,269 Ratio to Total Loans Outstanding 1.75 % Risk Monitored Loans 2,828,962 Ratio to Total Loans Outstanding 5.48 % Total Loans Outstanding 51,561,868 (b) Combined (Table B-1-b) Loans to Bankrupt Companies 165, , ,794 Ratio to Total Loans Outstanding 0.32 % 0.40 % 0.48 % Other Delinquent Loans 1,489,959 1,398,542 1,647,137 Ratio to Total Loans Outstanding 2.92 % 2.59 % 3.04 % Loans Past Due 3 Months 139,254 90, ,148 Ratio to Total Loans Outstanding 0.27 % 0.16 % 0.22 % Restructured Loans 887, , ,423 Ratio to Total Loans Outstanding 1.74 % 1.58 % 0.57 % Risk Monitored Loans 2,682,767 2,564,197 2,346,503 Ratio to Total Loans Outstanding 5.26 % 4.75 % 4.33 % Total Loans Outstanding 50,906,585 53,961,598 54,100, RESERVES FOR RISK MONITORED LOANS (a) Consolidated (Table B-2-a) Sept. 30, 2001 General Reserve 690,247 Specific Reserve 569,815 Specific Reserves for Loans to Refinancing Countries 5,569 Total of Reserves for Possible Loan Losses 1,265,632 Reserves for Supporting Specific Borrowers - Sub-Total (A) 1,265,632 Reserve Ratio for Risk Monitored Loans (A / B) % Reserve for Contingent Liabilities Related to Loans Sold 84,206 Risk Monitored Loans (B) 2,828,962 (b) Combined (Table B-2-b) General Reserve 617, , ,002 Specific Reserve 455, , ,945 Specific Reserves for Loans to Refinancing Countries 6,071 12,146 10,878 Total of Reserves for Possible Loan Losses 1,078,941 1,146, ,825 Reserves for Supporting Specific Borrowers - 32,763 60,407 Special Reserve for Loan Trusts and Special Reserve for Loan Trusts 17,070 18,779 21,300 Sub-Total (C) 1,096,011 1,197,875 1,060,532 Reserve Ratio for Risk Monitored Loans (C / D) % % % Reserve for Contingent Liabilities Related to Loans Sold 76, , ,919 Risk Monitored Loans (D) 2,682,767 2,564,197 2,346,

10 3. PROBLEM LOANS (Combined) (Table B-3) Bankrupt and Quasi-bankrupt 619, , ,352 Doubtful 1,241,893 1,062,660 1,304,690 Sub-standard 1,028, , ,830 Total Problem Loans 2,889,172 2,670,451 2,406,874 Normal 53,324,135 56,974,153 56,660,239 Grand Total 56,213,608 59,644,604 59,067,113 Amount of Partial Write-off 1,334,078 1,261,696 1,073, COVERAGE FOR PROBLEM LOANS (Combined) (Table B-4-a) Reserves for Possible Loan Losses 596, , ,997 Reserves for Supporting Specific Borrowers - 32,763 45,487 Collateral and Guarantees 1,631,071 1,405,528 1,349,674 Total Coverage for Possible Loan Losses (B)** 2,227,756 2,090,440 2,015,159 Coverage Ratio (B / A) % % % Adjusted Problem Loans (A)* 3,224,552 2,964,850 2,521,442 * Adjusted Problem Loans represent the sum of claims on Bankrupt and Quasi-bankrupt, Doubtful and Sub-standard borrowers. Difference between Grand Total of problem loans (see Table B-3) and Adjusted Problem Loans indicates that the "claims on Sub-standard borrowers" include "claims whic are not classified as Sub-standard." Since the coverage is calculated using "claims on Substandard borrowers" rather than "Sub-standard," the Bank considers such the method is accurate. ** "Coverage" represents coverage for Adjusted Problem Loans. <For reference> Coverage Ratio for Each Category (Table B-4-b) Bankrupt and Quasi-bankrupt % % % Collateral and Guarantees % % % Reserves 8.61 % % % Reserve Ratio for Amount of Claims % % % Uncovered by Collateral and Guarantees Doubtful % % % Collateral and Guarantees % % % Reserves % % % Reserve Ratio for Amount of Claims % % % Uncovered by Collateral and Guarantees Sub-standard * % % % Collateral and Guarantees % % % Reserves % % % Reserve Ratio for Amount of Claims % % % Uncovered by Collateral and Guarantees * Coverage Ratios for the total amount of "claims on Sub-standard borrowers", including claims which are not classified as Sub-standard loans Reserve Ratio for Special Mention Borrowers 5.32 % 5.09 % 3.21 % Reserve Ratio for Normal Borrowers 0.22 % 0.14 % 0.13 % - 9 -

11 5. OFF-BALANCING OF PROBLEM LOANS (Combined) 5-1. Outstanding before September 30, 2001 (a) Loans Outstanding Classfied as "Doubtful" and "Bankrupt and Quasi-Bankrupt" Billions of yen Sept.30, 2001 March. 31, 2001 Sept.30, 2000 Bankrupt and Quasi-Bankrupt Doubtful ,304.6 Total , ,968.0 (b) Off-Balancing Billions of yen Off-Balancing Amounts 1st Fiscal Half Ended Sept. 30, 2001 Liquidation (24.7) Reorganization (25.4) Business improvement concurrent with reorganization 0.0 Securitization (64.0) Write-offs (16.5) Others (132.8) Collection, repayment (102.1) Business improvement (30.7) Total (263.7) Notes: "Liquidation": adjustment of claims, write-offs, etc., through liquidation type proceedings (bankruptcy, special liquidation) "Reorganization": adjustment of claims through reorganization type proceedings (corporate rehabilitation, civil revitalization, composition with creditors, corporate reorganization), debt forgiveness through civil rehabilitation, etc., and through private reorganization "Others": includes collection through disposal of collateral, business improvement of the borrower, etc Outstanding in Second Fiscal Half Ended March 31, 2001 (a) Loans Outstanding Classfied as "Doubtful" and "Bankrupt and Quasi-Bankrupt" Billions of yen Sept.30, 2001 March. 31, 2000 Variance Bankrupt and Quasi-Bankrupt (8.6) Doubtful (125.2) Total (b) Off-Balancing Billions of yen Off-Balancing Amounts 1st Fiscal Half Ended Sept. 30, 2001 Liquidation 0.0 Reorganization (3.2) Business improvement concurrent with reorganization (8.3) Securitization (11.6) Write-offs (24.7) Others (85.7) Collection, repayment (45.8) Business improvement (39.9) Total (133.8)

12 (Table B-5-2-c) (c) Total Off-Balancing, including New Occurrences in First Fiscal Half Ended Sept. 30, 2001 Billions of yen Off-Balancing Amounts 1st Fiscal Half Ended Sept. 30, 2001 Liquidation (24.7) Reorganization (28.7) Business improvement concurrent with reorganization (8.4) Securitization (77.1) Write-offs (160.3) Others (228.1) Collection, repayment (157.5) Business improvement (70.6) Total (527.5) 5-3. Outstanding in First Fiscal Half Ended September 30, 2001 (new occurrences) Loans Outstanding Classified as "Doubtful" or "Bankrupt and Quasi-Bankrupt" (Table B-5-3) Billions of yen 1st Fiscal Half Ended Sept. 30, 2001 Bankrupt and Quasi-Bankrupt 68.8 Doubtful Total Note: Those new problem loans which occurred and were off-balanced in 1st fiscal half are excluded. <For reference> Loans Outstanding classified as "Doubtful" or "Bankrupt and Quasi-Bankrupt" as of Sept. 30, 2001 Billions of yen Sept. 30, 2001 Bankrupt and Quasi-Bankrupt Doubtful 1,241.8 Total 1,

13 6. INDUSTRIAL CLASSIFICATIONS OF LOANS (Combined) (Table B-6) Risk Risk Risk Loans Monitored Loans Loans Monitored Loans Loans Monitored Loans Manufacturing 6,236, ,669 6,601, ,844 6,691, ,570 Coverage Ratio 90.14% 89.73% Agriculture 73,454 5,856 79,261 2,745 84,248 3,006 Coverage Ratio 89.88% 92.52% Forestry 6, , , Coverage Ratio 74.93% 77.26% Fishing 21, , , Coverage Ratio % 97.85% Mining 94,081 2,185 90,649 1,561 98, Coverage Ratio 99.97% 99.50% Construction 1,934, ,955 2,127, ,191 2,194, ,360 Coverage Ratio 37.60% 47.79% Utilities 436, , , Coverage Ratio % 99.92% Transportation & Communication 2,382,995 45,671 2,308,525 49,128 2,108,840 41,124 Coverage Ratio 66.14% 68.19% Wholesale and Retail 6,869, ,577 7,408, ,453 7,299, ,668 Coverage Ratio 77.00% 82.05% Finance and Insurance 4,394,658 88,590 4,629,491 96,334 5,061, ,768 Coverage Ratio 66.91% 68.30% Real Estate 6,979, ,327 7,216, ,295 7,479, ,857 Coverage Ratio 63.02% 66.84% Services 5,911, ,087 6,360, ,499 6,281, ,011 Coverage Ratio 82.50% 82.44% Local Governments 515, , ,769 - Coverage Ratio - - Others 10,577, ,537 10,803, ,164 10,348, ,230 Coverage Ratio 91.19% 82.32% Total Domestic 46,435,205 2,629,512 48,646,801 2,479,188 48,692,832 2,266,178 Coverage Ratio 70.08% 72.90% Total Overseas and Offshore 4,595,687 53,254 5,494,190 85,010 5,599,509 80,325 Coverage Ratio 79.32% 75.88% Total Loans 51,030,892 2,682,767 54,140,991 2,564,197 54,292,342 2,346,503 Coverage Ratio 70.26% 73.00% Coverage Ratio = (Collateral/ Guarantee + Specific Reserve + Reserve for Supporting Specific Borrowers) Risk Monitored Loans

14 7. LOANS FOR CONSUMERS (Combined) (Table B-7) Sub-total of Housing Loans 8,691,643 8,587,748 8,330,022 Balance before Securitization 8,723,637 8,622,945 8,368,183 "Housing Loans" * 5,334,622 5,177,280 4,906,422 Balance before Securitization 5,366,616 5,212,477 4,944,583 "Apartment House Loans" ** 3,357,020 3,410,468 3,423,599 Other Loans for Consumers 1,550,886 1,636,814 1,718,481 Total Loans for Consumers 10,242,529 10,224,562 10,048,502 Balance before Securitization of Housing Loans 10,274,523 10,259,759 10,086, BALANCE AND RATIO OF LOANS TO SMALL-SIZED COMPANIES(Combined) (Table B-8) Loans to Small-Sized Companies 31,388,214 33,203,166 33,425,605 Ratio of Loans to Small-Sized Companies 67.6 % 68.3 % 68.6 % Note: Calculated based on Bank of Japan report (excluding overseas transactions and Tokyo special offshore accounts [International Banking Facility] )

15 8. OVERSEAS EXPOSURE (Consolidated) (a) Overseas Loans (Table B-9-a) Asia 1,125,863 1,253,948 1,106,829 Sub-total of Risk Monitored Loans 24,082 49,532 64,863 China 121, , ,985 Risk Monitored Loans 4,213 6,081 9,295 Taiwan 48,544 39,862 38,648 Risk Monitored Loans Hong Kong 420, , ,568 Risk Monitored Loans 903 6,879 6,957 India 38,004 37,523 26,679 Risk Monitored Loans Indonesia 81,319 89,109 80,246 Risk Monitored Loans 17,990 19,517 23,748 South Korea 132, , ,085 Risk Monitored Loans ,439 Malaysia 54,778 74,612 73,984 Risk Monitored Loans - 5,975 9,417 Philippines 16,934 13,053 8,951 Risk Monitored Loans Singapore 120, , ,056 Risk Monitored Loans Thailand 88, ,365 98,092 Risk Monitored Loans 693 9,980 12,408 Others 2,258 1, Risk Monitored Loans Latin America 33,317 37,359 27,897 Sub-total of Risk Monitored Loans Brazil 7,280 4, Risk Monitored Loans Mexico 8,564 10,941 6,889 Risk Monitored Loans Others 17,472 21,607 20,574 Risk Monitored Loans Russia 4,342 4,851 4,306 Risk Monitored Loans 1,768 1,833 1,645 (b) Loans to Refinancing Countries (Table B-9-b) Amount of Loans (millions of yen) 76,729 86,553 78,

16 (c) Regional Classification and Reserve Ratio (Table B-9-c) Billions of Yen Risk Monitored Loans "Specific Reserves"* Reserve Ratio Sept.30 Mar.31 Sept.30 Sept.30 Mar.31 Sept.30 Sept.30 Mar.31 Sept Asia % 75.86% 77.06% Americas % 69.18% 62.17% Europe % 22.40% 26.45% Others % 1.15% 1.15% Total % 66.54% 69.04% * " Specific Reserves " include Specific Reserve for Possible Loan Losses and Specific Reserve for Loans to Refinancing Countries, not includ ing General Reserves. 10. BALANCE OF LOANS AND DEPOSITS (Combined) (a) Balance of Loans & Deposits (Table B-10-a) Deposits Trust Principal Outstanding Balance Average Balance Outstanding Balance Average Balance Outstanding Balance Loans Banking Account Trust Account Average Balance Banking Account Trust Account <For reference> (b) Balance of Deposits for Individuals & Corporations (Table B-10-b) Domestic Individual Deposits Demand Deposits Time Deposits Domestic Corporate Deposits Demand Deposits Time Deposits Other Domestic Deposits Demand Deposits Time Deposits 539, ,892 Trust Principal Domestic Individuals Sept. 30, 2001 Mar Sept. 30, ,107,016 51,390,440 3,821,643 4,102,873 50,906,585 49,521,306 1,385,278 51,402,070 49,902,221 1,499,848 25,581,919 10,585,987 14,623,271 16,271,411 9,080,731 6,300,414 2,420, ,493 3,821,643 1,978,964 53,133,741 51,945,441 4,355,493 4,723,086 53,961,598 52,373,236 1,588,361 54,237,265 52,259,900 1,977,365 25,133,494 9,780,275 14,995,231 16,908,134 9,261,410 6,843,854 2,723, ,957 4,355,493 2,248,740 51,952,957 51,136,870 4,709,500 4,920,947 54,100,473 52,138,186 1,962,287 53,358,014 51,244,551 2,113,462 24,497,911 9,049,756 15,062,313 17,154,580 8,721,321 7,521,047 2,565, ,415 1,016,583 4,709,500 2,435,847 Domestic Corporations 1,842,679 2,106,753 2,273,

17 C. FORECAST FOR FISCAL YEAR ENDING MARCH 31, FORECAST OF FINANCIAL RESULTS (Table C-1-a) Forecast for the Fiscal Year 3/ year Interim (Actual) Non-consolidated Basis Operating Income 156,000 6,016 Ordinary Profit ('Keijo Rieki') 145, Net Income 145, Consolidated Basis Total Income 2,600,000 1,638,742 Ordinary Profit ('Keijo Rieki') (900,000) (76,468) Net Income (600,000) (67,441) <For reference> Forecasts of Financial Results for Subsidiary Banks Billions of yen Forecast for the Fiscal Year 3/2002 UFJ Bank UFJ Trust Bank (Non-consolidated) (Non-consolidated) Business Profit before Net Transfer to General Reserve * Total Credit Costs (1,000) (300) Ordinary Profit (600) (250) Net Income (400) (150) * Before Write-off in Trust Account Notes: (1) Sanwa Bank and Tokai Bank will merge on January 15, 2002 as UFJ Bank (Sanwa Bank will be the surviving entity). Toyo Trust and Banking Company will change its trade name to UFJ Trust Bank on the same date. (2) As for the managerial figures of subsidiary banks calculated by adding the figures of Tokai Bank, which shall be liquided on January 15, 2002, "Business Profit before Net Transfer to General Reserve" and "Total Credit Costs" would be 800 billion yen and 2 trillion yen respectively

18 2. FORECAST OF DIVIDENDS DECLARED (Non-consolidated) (Table C-2) Forecast for the Fiscal Year 3/ year Interim Yen (Actual) Common Stock 0 Class I Preferred Shares 37,500 Class II Preferred Shares 15,900 Class III Preferred Shares 68,750 Class IV Preferred Shares 18,600 Class V Preferred Shares 19,400 Class VI Preferred Shares 5,300 Class VII Preferred Shares 11,500 As UFJ Holdings was established in April 2001, no dividends for the six months can be paid, in accordance with Article of the Commercial Code. 3. FORECAST OF BIS CAPITAL RATIO (Consolidated) (Table C-3) Forecast Results Mar.31, 2002 Sept.30, 2001 * BIS Capital Ratio approximately 10% 11.31% *Preliminary Announcement

19 Appendix To Whom It May Concern: November 22, 2001 UFJ Group s Scheme for Resolution of Problem Loans The UFJ Group shall accelerate in enhancing the soundness of its loans, which are classified as sub-standard or lower grade, through revitalization of the corporate borrowers, or in promoting final disposal of the said loans by off-balancing. Aiming to achieve such goals, the UFJ Group shall establish an advisory company for the resolution of problem loans, and at the same time shall bolster the function of The Frontier Servicer Co., Ltd., the servicer company within the Group. The UFJ Group has, as a drastic measure for problem loans, set the policy to complete resolution of all loans to borrowers classified as sub-standard, possible non-performing, quasi non-performing, or non-performing, targeting the end of March 2003, as given in the Emergency Economic Package and Advanced-Reform Program. 1. Establishment of Advisory Company With the aim of bolstering and accelerating measures for sub-standard or lower grade borrowers, we shall establish an advisory subsidiary that will consider overall resolution measures for each loan (hereinafter resolution subsidiary ). By establishing a separate entity, borrowers information can be dealt with appropriately, and knowhow to be cultivated through its activities will be accumulated within the resolution subsidiary. The resolution subsidiary is expected to nominate Merrill Lynch Japan Securities Co., Ltd. (hereinafter Merrill Lynch ), as the advisor.

20 Appendix 2. Function of Resolution Subsidiary The resolution subsidiary shall provide a wide range of investment banking services relating to measures for problem loans for the UFJ Group. The resolution subsidiary shall offer advice to UFJ Bank and UFJ Trust Bank on structuring work-outs and off-balancing for the relevant loans, sharing information after gaining the prior consent from the borrower. Also, after UFJ Bank determines a resolution policy, the resolution subsidiary will provide advice on business sponsors in work-outs, and on acquiring funds in off-balancing: this will contribute to a swift resolution to the problem loans. Regarding off-balanced debt, Frontier Servicer shall be in charge of negotiations with and collection from the borrower. 3. Advisor Merrill Lynch, the advisor for the resolution subsidiary, shall provide structuring knowhow in corporate revitalization schemes by dispatching personnel, and shall provide support in fund raising and cross-border M&A advice through its worldwide network. Utilizing the ability to understand the borrowers situation, business evaluation knowhow and domestic network held by the UFJ Group, in addition to the support of such functions, advanced corporate revitalization schemes in work-outs shall be realized. Also, the participation of an external investment bank as an advisor in setting resolution policy for each loan will enhance the suitability and objectivity of a resolution plan, which is more acceptable for the borrower 4. Measures to Resolve Problem Loans Based on the advice of the resolution subsidiary regarding loans for sub-standard or lower grade borrowers, the UFJ Group will quickly realize the resolution of problem loans by drafting and supporting optimal corporate revitalization schemes (enhancing soundness of loans through corporate revitalization via funding and business support) and sale to third parties tied to minimization of losses in loans for which prospects of quick collection are slim.

21 Appendix The UFJ Group shall quickly resolve problem loans, by carrying out such initiatives, complete restructuring and increase capital so as to strengthen its financial condition. Resolution Subsidiary (To be Established) Establishment / Personnel Corporate Sponsor Investment Funds RCC Personnel / Know-How Investment Banking Services UFJ Group Borrowers to be rehabilitated (Mainly Sub-Standard) Loans to be Collected (Mainly Non-Performing) Merrill Lynch Japan Frontier Servicer (Planning to expand functions) Collection of Problem Loans Securitization