Mitsubishi UFJ Financial Group

Transcription

1 MUFG Fact Book Interim Fiscal 2006 Mitsubishi UFJ Financial Group Contents MUFG Group 2 MUFG Network 3 Snap Shot 4 MUFG Performance 5 Market Capitalization Ranking among Global Financial Institutions 5 Consolidated Statements of Income 6 Consolidated Balance Sheets 11 Loans and Deposits 16 Domestic Loans 18 Foreign Loans 19 Source and Use of Funds 20 Disclosed Claims under the FRL 24 Unrealized Gains (Losses) on Securities Available for Sale 26 Capital Ratios 28 Shares (Common and Preferred Stock) 30 Business Segment Data 31 Management Information 36 Global Network 41 1

2 MUFG Group Dedicated to Addressing All Customer Needs Major MUFG companies Credit Cards/Consumer Loans UFJ NICOS* 1 DC Card* 1 Ryoshin DC Card ACOM DC Cash One Mobit Credit Guarantee/ Real-estate Research Mitsubishi UFJ Home Loan Credit Mitsubishi UFJ Trust Hosho MU Property Research Foreign Exchange Tokyo Credit Services (World Currency Shop) Real-estate Brokerage Mitsubishi UFJ Real Estate Services Debt Collection MU Frontier Servicer Wealth Management Mitsubishi UFJ Wealth Management Securities Mitsubishi UFJ Merrill Lynch PB Securities Diamond Private Office* 2 UFJ Plaza 21* 2 Asset Management Mitsubishi UFJ Asset Management MU Investments Kokusai Asset Management Online Securities/ Internet Settlements kabu.com Securities Paygent Holding Company Mitsubishi UFJ Financial Group, Inc. (MUFG) Commercial Bank The Bank of Tokyo-Mitsubishi UFJ, Ltd. (BTMU) Trust Bank Mitsubishi UFJ Trust and Banking Corporation (MUTB) Securities Mitsubishi UFJ Securities Co., Ltd. (MUS) Asset Administration The Master Trust Bank of Japan Factoring Mitsubishi UFJ Factors Stock Transfer Agency Japan Shareholder Services JP Biz Mail Research/Consulting Mitsubishi UFJ Research and Consulting Mitsubishi Asset Brains Mitsubishi UFJ Trust Investment Technology Institute Leasing Diamond Lease* 3 UFJ Central Leasing* 3 BOT Lease NBL Venture Capital Mitsubishi UFJ Capital MU Hands-on Capital Information Technology Diamond Computer Service UFJIS UFJ & Hitachi Systems DC Pensions Defined Contribution Plan Consulting of Japan Overseas Union Bank of California Mitsubishi UFJ Securities International BTMU Capital Corporation As of November 30, 2006 * 1 UFJ NICOS and DC Card will merge on April 1, 2007 to become Mitsubishi UFJ NICOS. * 2 UFJ Plaza 21 and Diamond Private Office will merge on January 1, 2007 to become Mitsubishi UFJ Personal Financial Advisors. * 3 Diamond Lease and UFJ Central Leasing will merge on April 1, 2007 to become Mitsubishi UFJ Lease & Finance. 2

3 MUFG Network Delivering Financial Services Anytime, Anywhere Anywhere Worldwide Europe, the Middle East and Africa: 27 Asia and Oceania: 50 The Americas: 26 Union Bank of California (UBOC): 322 Anytime Open 24 hours Internet Banking Mobile-phone Banking Services Telephone Banking ATMs (in convenience stores): approx. 22,000 Stand alone ATM locations: approx. 2,000 Domestic Network West Japan Region Retail branches and offices: 253 Corporate banking offices: 119 Central Japan Region Retail branches and offices: 165 Corporate banking offices: 79 East Japan Region Retail branches and offices: 460 (Including Tokyo area: 437) Corporate banking offices: 194 (Including Tokyo area: 170) Note: Numbers are as of September 30,

4 Snap Shot (MUFG figures up to September 30, 2005 shown hereafter are simple sum of MTFG and UFJ unless specifically stated) Consolidated Financial Summary and Data of MUFG under Japanese GAAP 4 FY2005 H1* 1 FY2006 H1* 1 Gross Profits 1, ,794.7 Fee Income Ratio* % 42.3% G&A Expenses ,012.2 Expense Ratio* % 56.3% Net Business Profits (before credit costs for trust accounts and provision for formula allowance for loan losses) Net Income Credit Costs* Sep End 2005 Sep End 2006 Total Assets 193, ,735.3 Loans 85, ,671.1 Deposits 118, ,602.9 Total Net Assets* 5 6, ,659.0 BIS Risk-adjusted Capital Ratio 12.00%* 6, % Tier 1 Ratio 6.52%* % Disclosed Claims under the Financial Reconstruction Law* 8 2, ,277.8 NPL Ratio* % 1.43% Sep End 2006 Number of Employees* 9 47,152 Number of Domestic Offices* 9 1,001 Number of Foreign Offices* 9 88 Number of Consolidated Subsidiaries 265 Number of Affiliated Companies Accounted for by the Equity Method 44 Sep End 2006 Stock Price (Yen) 1,520,000 Market Capitalization (Trillions of Yen) 15.4 As of Nov 30, 2006 Credit Ratings (long-term) Moody s S&P Bank of Tokyo-Mitsubishi UFJ A1 A Mitsubishi UFJ Trust and Banking A1 A Japanese GAAP; Accounting standards generally accepted in Japan *1 FY2005 H1: Six months ended September 30, 2005, FY2006 H1: Six months ended September 30, 2006 *2 Fee income= Net fees and commissions + trust fees (excluding loan trusts and money trust fees) + customer derivative income (managements account basis) + forex profits (managements account basis) *3 Expenses/ Gross profits before credit costs for trust accounts *4 Plus figure is net reversal. *5 Total shareholders' equity at September 30, 2005 *6 Capital injection of 700 billion from MTFG to UFJ Bank has been adjusted. *7 The amount in Tier 2, which UFJH couldn t count, has been adjusted. *8 Excluding separate subsidiaries *9 Sum of commercial bank, trust bank and securities company.

5 MUFG Performance Gross Profits Net Business Profits* Net Income (Loss) 3, ,609.9 Full fiscal year Interim period 1, , , , ,685.5 Full fiscal year Interim period Full fiscal year 1,181.7 Interim period (502.6) (216.1) FY04 FY05 FY06 FY04 FY05 FY06 FY04 FY05 FY06 * Before credit costs for trust accounts and provision for formula allowance for loan losses Total Assets Trillions of Yen Loans Trillions of Yen Deposits Trillions of Yen Mar End 05 Mar End 06 Sep End 06 Mar End 05 Mar End 06 Sep End 06 Mar End 05 Mar End 06 Sep End 06 Market Capitalization Ranking among Global Financial Institutions Billions of U.S. dollars 1 Citigroup INC Bank of America Corp HSBC Holdings AIG J.P. Morgan Chase & Co MUFG 138 As of September 30, 2006 Source: Bloomberg 5

6 Consolidated Statements of Income of MUFG FY2001 FY2002 FY2003 FY2004 FY2005 FY2006 H1 Gross profits 3, , , , , ,794.7 Net interest income 2, , , , , Trust fees Credit costs for trust accounts (63.6) (26.9) (26.9) (12.1) (0.9) (0.0) Net fees and commissions , Net trading profits Net other business income General and administrative expenses 1, , , , , ,012.2 Net business profits before credit costs for trust accounts and provision for formula allowance for loan losses 1, , , , , Provision for formula allowance for loan losses (154.7) (280.7) (280.0) Net business profits 1, , , , , Net non-recurring losses (3,231.1) (2,324.6) (1,157.6) (1,607.7) (251.3) (118.9) Credit-related costs (2,631.4) (1,125.4) (1,291.2) (1,280.1) (218.2) (54.2) Losses on loan charge-offs (884.6) (485.1) (496.7) (638.6) (153.7) (67.6) Provision for specific allowance for loan losses (1,066.8) (278.1) (559.6) Other credit-related costs (679.8) (362.1) (234.8) (641.5) (64.5) 13.4 Net gains (losses) on equity securities (419.7) (1,098.8) (177.0) Equity in profit (loss) of affiliates (26.0) (3.2) (39.5) Other (153.8) (97.1) (120.3) (172.1) (114.2) (38.8) Ordinary profit (loss) (1,893.0) (1,029.6) , Net special gains (losses) (42.4) Gains on loans charged-off Reversal of allowance for loan losses Income (loss) before income taxes and others (1,935.4) (959.6) , Income taxes current Income taxes deferred (654.1) (274.9) Minority interest Net income (loss) (1,379.7) (770.4) (216.1) 1, Figures of FY2005 are simple sum of MUFG and UFJH (April to September). Figures up to FY2004 are simple sum of MTFG and UFJH. MTFG: Mitsubishi Tokyo Financial Group UFJH: UFJ Holdings 6

7 Consolidated Statements of Income of MTFG FY2001 FY2002 FY2003 FY2004 Gross profits 1, , , ,832.9 Net interest income 1, , , ,008.8 Trust fees Credit costs for trust accounts (19.3) (8.1) (10.0) (3.3) Net fees and commissions Net trading profits Net other business income General and administrative expenses Net business profits before credit costs for trust accounts and provision for formula allowance for loan losses Provision for formula allowance for loan losses (33.8) (38.2) Net business profits Net non-recurring losses (1,000.2) (1,078.1) (204.7) (244.1) Credit-related costs (721.2) (492.3) (156.9) (190.8) Losses on loan charge-offs (283.6) (211.0) (70.4) (83.8) Provision for specific allowance for loan losses (346.1) (117.7) Other credit-related costs (91.4) (163.5) (86.4) (106.9) Net gains (losses) on equity securities (224.8) (488.0) 3.3 (43.4) Equity in profit (loss) of affiliates (10.6) (3.5) Other (43.5) (94.1) (54.7) (27.6) Ordinary profit (loss) (289.3) (360.2) Net special gains (losses) (7.7) Gains on loans charged-off Reversal of allowance for loan losses Income (loss) before income taxes and others (297.0) (340.7) Income taxes current Income taxes deferred (198.3) (237.0) Minority interest Net income (loss) (152.3) (161.4)

8 Consolidated Statements of Income of UFJH FY2001 FY2002 FY2003 FY2004 Gross profits* 1, , , ,569.0 Net interest income 1, Trust fees Credit costs for trust accounts (44.2) (18.7) (16.9) (8.8) Net fees and commissions Net trading profits Net other business income General and administrative expenses Net business profits before credit costs for trust accounts and provision for formula allowance for loan losses Provision for formula allowance for loan losses (120.8) (242.4 ) (280.0) Net business profits Net non-recurring losses* (2,230.9) (1,246.5) (952.9) (1,335.3) Credit-related costs (1,910.2) (633.0) (1,134.3) (1,086.3) Losses on loan charge-offs (600.9) (274.0) (426.3) (554.7) Provision for specific allowance for loan losses (720.7) (160.4 ) (559.6) Other credit-related costs (588.4) (198.5) (148.3) (531.5) Net gains (losses) on equity securities (194.9) (610.7) (133.6) Equity in profit (loss) of affiliates (15.4) Other (110.2) (3.0) (65.6) (119.4) Ordinary profit (loss) (1,603.7) (669.3) (397.6) (496.8) Net special gains (losses) (34.6) Gains on loans charged-off Reversal of allowance for loan losses Income (loss) before income taxes and others (1,638.4) (618.9) (331.7) (234.5) Income taxes current Income taxes deferred (455.7) (37.9) Minority interest Net income (loss) (1,227.4) (608.9) (402.8) (554.5) Note: Consolidated net business profits before credit costs for trust accounts and provision for formula allowance for loan losses are calculated by deducting general and administrative expenses from gross profits. The accounts with * are after deducting credit costs for trust accounts, being different from the ones in the supplementary data in UFJH s past press releases. 8

9 Statements of Income of BTMU (Non-consolidated) FY2003 FY2004 FY2005 FY2006 H1 Gross profits 2, , , Domestic gross profits 1, , , Net interest income 1, , , Net fees and commissions Net trading profits (21.2) 4.7 Net other business income Non-domestic gross profits Net interest income Net fees and commissions Net trading profits Net other business income General and administrative expenses , Personnel expenses Non-personnel expenses Taxes Net business profits before provision for formula allowance for loan losses 1, , , Provision for formula allowance for loan losses Net business profits , , Net non-recurring gains (losses) (1,001.3) (1,563.1) (149.2) (67.7) Credit-related costs (1,090.3) (1,120.4) (125.6) (48.7) Losses on loan charge-offs (391.6) (550.8) (101.3) (45.7) Provision for specific allowance for loan losses (522.4) Other credit-related costs (176.2) (569.5) (24.2) (3.0) Net gains (losses) on equity securities (286.2) Other (195.2) (156.4) (128.3) (21.2) Ordinary profit (loss) (168.6) (358.7) Net special gains Gains on loans charged-off Reversal of allowance for loan losses Income (loss) before income taxes and others (23.7) 1, Income taxes current Income taxes deferred Net income (loss) (49.0) (376.5) 1, Figures of FY2005 are simple sum of BTMU and UFJB (April to December). Figures up to FY2004 are simple sum of BTM and UFJB. Figures up to FY2005 include separate subsidiaries and figures of FY2006 H1 do not include separate subsidiaries. As for FY2003 figures, inter-company transactions between the bank and separate subsidiaries are not adjusted. 9

10 Statements of Income of MUTB (Non-consolidated) FY2003 FY2004 FY2005 FY2006 H1 Gross profits (Gross ordinary profit before trust accounts charge-offs) Domestic gross profits Trust fees Trust fees before trust accounts charge-offs Loan trusts and money trusts fees (jointly operated designated money trusts before trust accounts charge-offs) Other trust fees Credit costs for trust accounts (26.9) (12.1) (0.9) (0.0) Net interest income Net fees and commissions Net trading profits (0.4) 9.6 (11.0) 16.2 Net other business income (21.2) Non-domestic gross profits (0.3) Trust fees Net interest income Net fees and commissions (1.4) (1.9) (1.3) (0.1) Net trading profits 3.9 (3.4) 6.1 (5.9) Net other business income 11.0 (2.8) (0.3) (8.6) General and administrative expenses Personnel expenses Non-personnel expenses Taxes Net business profits before credit costs for trust accounts and provision for formula allowance for loan losses Provision for formula allowance for loan losses 17.4 (6.5) Net business profits Net non-recurring gains (losses) (94.8) (140.1) (7.9) 4.5 Credit-related costs (85.8) (95.3) (32.7) 9.8 Losses on loan charge-offs (34.1) (40.1) (13.1) (0.3) Provision for specific allowance for loan losses (20.0) (31.6) Other credit-related costs (31.6) (23.6) (19.6) 10.1 Net gains (losses) on equity securities 21.9 (15.8) Other (30.9) (28.9) (5.8) (7.8) Ordinary profit Net special gains Gains on loans charged-off Reversal of allowance for loan losses Income before income taxes and others Income taxes current (32.8) 0.6 (0.7) 0.2 Income taxes deferred Net income Figures of FY2005 are simple sum of MUTB and UFJTB (April to September). Figures up to FY2004 are simple sum of MTB and UFJTB. As for UFJTB figures (from FY2003 to FY2005), credit costs for trust accounts are included in gross profits. Therefore, figures are different from the ones in the supplementary data in UFJH's past press releases. Figures up to FY2005 include separate subsidiaries and figures of FY2006 H1 do not include separate subsidiaries. As for FY2003 figures, inter-company transactions between the bank and separate subsidiaries are not adjusted. 10

11 Consolidated Balance Sheets of MUFG Mar End Mar End Mar End Mar End Mar End Sep End ASSETS: Cash and due from banks 12, , , , , ,484.5 Call loans and bills bought 1, , , , ,095.1 Receivables under resale agreements 1, , , , , ,050.7 Receivables under securities borrowing transactions 4, , , , ,351.0 Commercial paper and other debt purchased , , , ,628.4 Trading assets 8, , , , , ,093.7 Money held in trust Investment securities 38, , , , , ,766.4 Loans and bills discounted 95, , , , , ,671.1 Foreign exchanges 1, , , , , ,367.7 Other assets 9, , , , , ,130.8 Tangible fixed assets 1,733.1 Intangible fixed assets Premises and equipment 1, , , , ,517.8 Deferred tax assets 2, , , , Customers' liabilities for acceptances and guarantees 8, , , , , ,817.3 Allowance for loan losses (3,330.9) (2,971.6) (2,952.8) (2,212.4) (1,360.7) (1,113.2) Allowance for losses on investment securities (2.1) (3.3) (3.1) (5.4) (26.6) (21.7) Total assets 179, , , , , ,735.3 LIABILITIES: Deposits 110, , , , , ,602.9 Negotiable certificates of deposit 9, , , , , ,880.3 Call money and bills sold 7, , , , , ,512.6 Payables under repurchase agreements 4, , , , , ,248.8 Payables under securities lending transactions 6, , , , ,596.3 Commercial paper 1, , Trading liabilities 2, , , , , ,867.3 Borrowed money 3, , , , , ,284.9 Foreign exchanges , , , Short-term corporate bonds , Bonds and notes 6, , , , , ,580.2 Due to trust account 3, , , , , ,796.6 Other liabilities 10, , , , , ,291.5 Reserve for employees' bonuses Reserve for employees' retirement benefits Reserve for contingent losses Reserve under special laws Deferred tax liabilities Deferred tax liabilities on land revaluation excess Acceptances and guarantees 8, , , , , ,817.3 Total liabilities 172, , , , , ,076.2 Capital stock 1,383.0 Capital surplus 1,916.3 Retained earnings 3,781.9 Treasury stock (1,000.4) Total owners' equity 6,080.8 Net unrealized gains on securities available for sale, net of taxes 1,592.4 Net deferred gains (losses) on hedging instruments, net of taxes (66.8) Revaluation reserve for land, net of taxes Foreign currency transaction adjustments (56.3) Total valuation and translation adjustments 1,618.3 Minority interests 1,959.8 Total net assets 9,659.0 Minority interest: , , , ,098.5 SHAREHOLDERS EQUITY: Capital stock 2, , , , ,383.0 Capital surplus 2, , , , ,915.8 Retained earnings 1, ,325.9 Land revaluation excess Unrealized gains (losses) on securities available for sale (289.1) ,769.5 Foreign currency translation adjustments (64.5) (137.6) (206.8) (215.3) (42.1) Treasury stock (0.5) (6.3) (5.8) (6.2) (773.9) Total shareholders equity 5, , , , ,727.8 Figures up to March End 2005 are simple sum of MTFG and UFJH. 11

12 Consolidated Balance Sheets of MTFG Mar End Mar End Mar End Mar End ASSETS: Cash and due from banks 6, , , ,655.8 Call loans and bills bought 1, Receivables under resale agreements 1, , Receivables under securities borrowing transactions 2, , ,791.8 Commercial paper and other debt purchased , ,055.1 Trading assets 5, , , ,552.8 Money held in trust Investment securities 23, , , ,823.4 Loans and bills discounted 49, , , ,446.6 Foreign exchanges Other assets 5, , , ,203.4 Premises and equipment Deferred tax assets 1, , Customers liabilities for acceptances and guarantees 5, , , ,595.4 Allowance for loan losses (1,659.6) (1,297.2) (832.6) (739.6) Allowance for losses on investment securities (1.5) (2.0) (1.9) (1.1) Total assets 99, , , ,285.5 LIABILITIES: Deposits 59, , , ,548.7 Negotiable certificates of deposit 3, , , ,824.9 Call money and bills sold 3, , , ,169.5 Payables under repurchase agreements 3, , , ,908.7 Payables under securities lending transactions 3, , ,923.6 Commercial paper Trading liabilities , , ,364.5 Borrowed money 1, , , ,258.6 Foreign exchange , Short-term corporate bonds Bonds and notes 3, , , ,161.1 Due to trust account 2, , , ,231.3 Other liabilities 7, , , ,514.6 Reserve for employees bonuses Reserve for employees retirement benefits Reserves under special laws Deferred tax liabilities Deferred tax liabilities on land revaluation excess Acceptances and guarantees 5, , , ,595.4 Total liabilities 95, , , ,130.7 Minority interest: SHAREHOLDERS EQUITY: Capital stock 1, , , ,383.0 Capital surplus Retained earnings 1, , ,824.2 Land revaluation excess Unrealized gains (losses) on securities available for sale 84.0 (223.4) Foreign currency translation adjustments (26.6) (73.4) (115.4) (121.7) Treasury stock (0.3) (4.4) (3.6) (3.5) Total shareholders equity 3, , , ,

13 Consolidated Balance Sheets of UFJH Mar End Mar End Mar End Mar End ASSETS: Cash and due from banks 6, , , ,930.4 Call loans and bills bought Receivables under resale agreements ,778.6 Receivables under securities borrowing transactions 2, , ,404.9 Commercial paper and other debt purchased Trading assets 2, , , ,298.7 Money held in trust Investment securities 15, , , ,770.7 Loans and bills discounted 46, , , ,354.4 Foreign exchanges Other assets 3, , , ,155.5 Premises and equipment Deferred tax assets 1, , , ,122.4 Customers liabilities for acceptances and guarantees 3, , , ,088.8 Allowance for loan losses (1,671.2) (1,674.3) (2,120.2) (1,472.8) Allowance for losses on investment securities (0.6) (1.3) (1.2) (4.2) Total assets 79, , , ,553.6 LIABILITIES: Deposits 50, , , ,725.7 Negotiable certificates of deposit 6, , , ,857.8 Call money and bills sold 3, , , ,765.6 Payables under repurchase agreements , ,906.0 Payables under securities lending transactions 2, , ,261.8 Commercial paper Trading liabilities 1, , , ,753.3 Borrowed money 1, , , ,384.9 Foreign exchange Short-term corporate bonds Bonds and notes 2, , , ,564.3 Due to trust account 1, , , ,241.9 Other liabilities 3, , , ,457.5 Reserve for employees bonuses Reserve for employees retirement benefits Reserves under special laws Deferred tax liabilities Deferred tax liabilities on land revaluation excess Acceptances and guarantees 3, , , ,088.8 Total liabilities 76, , , ,861.2 Minority interest: ,512.3 SHAREHOLDERS EQUITY: Capital stock 1, , , ,000.0 Capital surplus 1, , , ,233.7 Retained earnings (359.3) (760.5) (1,325.4) Land revaluation excess Unrealized gains (losses) on securities available for sale 60.1 (65.7) Foreign currency translation adjustments (37.8) (64.1) (91.4) (93.5) Treasury stock (0.2) (1.9) (2.2) (2.6) Total shareholders equity 2, , , ,

14 Non-Consolidated Balance Sheets of BTMU Mar End Mar End Mar End Sep End ASSETS: Cash and due from banks 9, , , ,670.9 Call loans and bills bought 1, , , ,881.9 Receivables under resale agreements Receivables under securities borrowing transactions 3, , , ,489.1 Commercial paper and other debt purchased , , ,625.1 Trading assets 5, , , ,514.0 Money held in trust Investment securities 41, , , ,272.1 Loans and bills discounted 72, , , ,538.8 Foreign exchanges 1, , , ,365.5 Other assets 3, , , ,868.0 Tangible fixed assets Intangible fixed assets Premises and equipment 1, , ,056.7 Deferred tax assets 1, , Customers' liabilities for acceptances and guarantees 7, , , ,832.5 Allowance for loan losses (2,319.3) (1,731.7) (928.1) (714.4) Allowance for losses on investment securities (55.9) (66.6) (134.3) (128.2) Total assets 147, , , ,550.6 LIABILITIES: Deposits 100, , , ,174.2 Negotiable certificates of deposit 6, , , ,497.6 Debentures Call money 4, , , ,823.3 Payables under repurchase agreements 2, , , ,596.9 Payables under securities lending transactions 1, , , ,428.8 Bills sold 5, , ,536.5 Commercial paper Trading liabilities , Borrowed money 3, , , ,057.2 Foreign exchanges 1, , , Short-term corporate bonds , Bonds and notes 4, , , ,631.5 Other liabilities 3, , , ,422.8 Reserve for employees' bonuses Reserve for losses on supports of specific borrowers 5.0 Reserve for employees' retirement benefits Reserve for contingent losses 72.5 Reserve under special laws Deferred tax liabilities for land revaluation Acceptances and guarantees 7, , , ,832.5 Total liabilities 142, , , ,817.5 Capital stock Capital surplus 2,767.5 Retained earnings 1,698.0 Total owners' equity 5,462.5 Net unrealized gains on securities available for sale, net of taxes 1,076.3 Net deferred gains (losses) on hedging instruments, net of taxes (50.1) Revaluation reserve for land, net of taxes Total valuation and translation adjustments 1,270.5 Total net assets 6,733.1 SHAREHOLDERS EQUITY: Capital stock 1, , Capital surplus 1, , ,767.5 Retained earnings ,404.8 Land revaluation excess Unrealized gains on securities available for sale ,190.3 Total shareholders equity 4, , ,605.5 Figures up to March End 2005 are simple sum of BTM and UFJB. 14

15 Non-Consolidated Balance Sheets of MUTB Mar End Mar End Mar End Sep End ASSETS: Cash and due from banks 1, , Call loans and bills bought Receivables under securities borrowing transactions Commercial paper and other debt purchased Trading assets Money held in trust Investment securities 9, , , ,835.7 Loans and bills discounted 11, , , ,246.2 Foreign exchanges Other assets Tangible fixed assets Intangible fixed assets 59.4 Premises and equipment Deferred tax assets Customers' liabilities for acceptances and guarantees Allowance for loan losses (309.6) (222.5) (124.4) (86.7) Allowance for losses on investment securities (0.0) (0.3) (0.1) (0.0) Total assets 25, , , ,540.5 LIABILITIES: Deposits 13, , , ,381.4 Negotiable certificates of deposit 1, , , ,740.1 Call money Payables under repurchase agreements Payables under securities lending transactions 1, Bills sold Commercial paper Trading liabilities Borrowed money ,270.7 Foreign exchanges Short-term corporate bonds Bonds and notes Due to trust account 3, , , ,490.1 Other liabilities Reserve for employees bonuses Reserve for employees retirement benefits Reserve for contingent losses 5.4 Reserve for possible losses to land trust 14.5 Deferred tax liabilities Deferred tax liabilities for land revaluation Acceptances and guarantees Total liabilities 24, , , ,977.2 Capital stock Capital surplus Retained earnings Total owners equity 1,254.8 Net unrealized gains on securities available for sale, net of taxes Net deferred gains (losses) on hedging instruments, net of taxes (7.6) Revaluation reserve for land, net of taxes (10.1) Total valuation and translation adjustments Total net assets 1,563.3 SHAREHOLDERS EQUITY: Capital stock Capital surplus Retained earnings Land revaluation excess (10.9) (10.9) (10.7) Unrealized gains on securities available for sale Total shareholders equity 1, , ,535.2 Figures up to March End 2005 are simple sum of MTB and UFJTB. 15

16 Loans and Deposits 1/2 MUFG (BTMU+MUTB) Mar End Mar End Mar End Mar End Mar End Sep End Loans 91, , , , , ,785.1 Domestic offices 80, , , , , ,403.9 Loans to SMEs and individual clients 51, , , , , ,539.2 Consumer loans 16, , , , , ,538.0 Housing loans 14, , , , , ,311.5 Overseas offices and others 10, , , , , ,381.1 Deposits 106, , , , , ,555.7 Domestic deposits 94, , , , , ,216.4 Individuals 55, , , , , ,906.7 Corporations and others 38, , , , , ,309.6 Overseas offices and others 11, , , , , ,339.3 Figures for and after March End 2006 are simple sum of BTMU and MUTB. Figures up to March End 2005 are simple sum of BTM, UFJB, MTB and UFJTB. Figures above exclude trust accounts. Figures of September End 2006 do not include separate subsidiaries. Figures up to March End 2006 include separate subsidiaries. BTMU: Bank of Tokyo-Mitsubishi UFJ MUTB: Mitsubishi UFJ Trust and Banking BTM: Bank of Tokyo-Mitsubishi MTB: Mitsubishi Trust and Banking UFJB: UFJ Bank UFJTB: UFJ Trust Bank Loans and Deposits (Comparison with other financial groups) Trillions of Yen Loans (left column) Deposits (right column) MUFG SMFG MIZUHO Sep End 2006 Note: Figures in the chart are on a consolidated basis. Therefore, MUFG figures are different from those in the table above. SMFG: Sumitomo Mitsui Financial Group MIZUHO: Mizuho Financial Group 16

17 Loans and Deposits 2/2 MTFG (BTM+MTB) Mar End Mar End Mar End Mar End Loans 44, , , ,398.3 Domestic offices 38, , , ,637.2 Loans to SMEs and individual clients 21, , , ,386.5 Consumer loans 6, , , ,346.3 Housing loans 6, , , ,936.1 Overseas offices and others 6, , , ,761.1 Deposits 56, , , ,404.7 Domestic deposits 48, , , ,310.3 Individuals 29, , , ,181.0 Corporations and others 19, , , ,129.3 Overseas offices and others 7, , , ,094.4 Figures above exclude trust accounts. UFJH (UFJB+UFJTB) Mar End Mar End Mar End Mar End Loans 46, , , ,223.6 Domestic offices 42, , , ,409.0 Loans to SMEs and individual clients 29, , , ,361.4 Consumer loans 9, , , ,787.3 Housing loans 8, , , ,704.5 Overseas offices and others 3, , , ,814.5 Deposits 49, , , ,657.0 Domestic deposits 45, , , ,958.1 Individuals 26, , , ,626.5 Corporations and others 19, , , ,331.5 Overseas offices and others 3, , , ,698.9 Figures above exclude trust accounts and include separate subsidiaries. 17

18 Domestic Loans Domestic Loans by Type of Industry MUFG (BTMU+MUTB) Millions of Yen Sep End Mar End Sep End Mar End Sep End Manufacturing 9,149,148 8,716,252 8,329,000 7,681,169 7,646,886 Agriculture 19,806 19,539 19,649 21,255 24,029 Forestry 23,323 22,866 17,256 17,247 12,057 Fishery 32,874 29,177 30,237 31,147 31,948 Mining 70,507 64,336 51,214 53,234 51,032 Construction 1,988,955 1,975,753 1,728,391 1,670,816 1,568,173 Utilities 518, , , , ,153 Media and communication 2,036,760 1,945,686 1,858,243 1,855,766 1,847,318 Wholesale and retail 8,960,140 8,375,451 8,174,074 7,821,717 7,623,028 Banks and other financial institutions 8,555,047 7,869,890 7,729,673 7,477,546 8,218,309 Real estate 10,956,865 10,294,626 10,037,498 9,863,658 9,649,149 Services 8,004,623 7,064,631 6,625,144 6,219,549 6,158,929 Municipal government 1,123,394 1,410, , , ,377 Other industries 25,281,210 24,735,412 27,659,671 27,221,976 26,130,598 Figures for and after March End 2006 are simple sum of BTMU and MUTB. Figures up to September End 2005 are simple sum of BTM, UFJB, MTB, and UFJTB. Figures above exclude trust accounts. Figures of September End 2006 do not include separate subsidiaries. Figures up to March End 2006 include separate subsidiaries. 18

19 Foreign Loans Loans to Specific Foreign Borrowers MUFG (BTMU+MUTB) Millions of Yen except number of countries Sep End Mar End Sep End Mar End Sep End Loans to specific foreign borrowers 64,462 22, ,123 Number of countries Figures for and after March End 2006 are simple sum of BTMU and MUTB. Figures up to September End 2005 are simple sum of BTM, UFJB, MTB, and UFJTB. Figures above exclude trust accounts. Figures of September End 2006 do not include separate subsidiaries. Figures up to March End 2006 include separate subsidiaries. Loans to Asian Countries MUFG (BTMU+MUTB) Millions of Yen Sep End Mar End Sep End Mar End Sep End Thailand 265, , , , ,283 Indonesia 160, , , , ,472 Malaysia 120, , , , ,729 Philippines 65,629 55,592 56,035 64,037 61,969 South Korea 161, , , , ,604 Singapore 308, , , , ,355 Hong Kong 558, , , , ,667 China 438, , , , ,687 Taiwan 98,200 99, , , ,296 Others 64,702 75,972 91, , ,960 Total 2,242,387 2,305,095 2,592,344 2,903,174 3,240,026 Figures for and after March End 2006 are simple sum of BTMU and MUTB. Figures up to September End 2005 are simple sum of BTM, UFJB, MTB, and UFJTB. Figures above exclude trust accounts. Figures of September End 2006 do not include separate subsidiaries. Figures up to March End 2006 include separate subsidiaries. Loans to Latin American Countries MUFG (BTMU+MUTB) Millions of Yen Sep End Mar End Sep End Mar End Sep End Argentina 8,739 5,849 2,931 2,661 2,944 Brazil 67,553 66,868 61,246 91,548 89,272 Mexico 80,405 79,808 68,991 83,705 99,461 Caribbean countries 403, , , , ,778 Others 83,631 70,335 59,945 70,482 70,848 Total 643, , , , ,305 Figures for and after March End 2006 are simple sum of BTMU and MUTB. Figures up to September End 2005 are simple sum of BTM, UFJB, MTB, and UFJTB. Figures above exclude trust accounts. Figures of September End 2006 do not include separate subsidiaries. Figures up to March End 2006 include separate subsidiaries. 19

20 Source and Use of Funds (BTMU) 1/2 Domestic Sector Average balance Income/Expenses Yield (%) FY2006 H1 Change FY2006 H1 Change FY2006 H1 Change Assets 103, (33.3) (0.069) Loans and bills discounted 58,113.7 (1,946.0) (30.7) (0.055) Investment securities 33,907.1 (4,553.7) (6.7) Call loans Collateral deposits on securities borrowed 1,648.2 (608.5) Bills bought Due from banks (0.0) (0.187) Liabilities 102,171.5 (8,660.2) Deposits 85,107.2 (100.0) Negotiable certificates of deposit 4,333.8 (4.2) Call money 1,882.1 (1,392.0) Payables under repurchase agreements 1,320.6 (711.9) Collateral deposits under securities lending transactions 1, , Bills sold 1,938.6 (7,753.4) Borrowed money 1, (0.880) Net interest margin (0.112) Figures of FY2005 H1 are simple sum of BTM and UFJB. Excluding separate subsidiaries Net interest margin = net interest income / average balance of interest earning assets International Sector Average balance Income/Expenses Yield (%) FY2006 H1 Change FY2006 H1 Change FY2006 H1 Change Assets 25, , Loans and bills discounted 9, , Investment securities 6,252.1 (962.5) Call loans (1.5) Due from banks 5, Liabilities 28, , Deposits 13,637.1 (647.6) Negotiable certificates of deposit 1, Call money (79.7) Payables under repurchase agreements 1,759.0 (959.1) Collateral deposits under securities lending transactions (430.5) 10.3 (3.1) Bills sold (0.3) (0.0) (4.889) Borrowed money 3, Net interest margin (0.370) Figures of FY2005 H1 are simple sum of BTM and UFJB. Excluding separate subsidiaries Net interest margin = net interest income / average balance of interest earning assets 20

21 Source and Use of Funds (BTMU) 2/2 Domestic Sector Average balance Income/Expenses Yield (%) FY2004 FY2005 FY2006 FY2004 FY2005 FY2006 FY2004 FY2005 FY2006 H1 H1 H1 Assets 104, , , , , Loans and bills discounted 62, , , Investment securities 38, , , Call loans Collateral deposits on securities borrowed 2, , , Bills bought Due from banks Liabilities 113, , , Deposits 83, , , Negotiable certificates of deposit 7, , , Call money 3, , , Payables under repurchase agreements 2, , , Collateral deposits under securities lending transactions , Bills sold 9, , , Borrowed money 1, , , Figures of FY2005 are simple sum of BTMU and UFJB (April to December). Figures of FY2004 are simple sum of BTM and UFJB. Excluding separate subsidiaries International Sector Average balance Income/Expenses Yield (%) FY2004 FY2005 FY2006 FY2004 FY2005 FY2006 FY2004 FY2005 FY2006 H1 H1 H1 Assets 21, , , Loans and bills discounted 7, , , Investment securities 6, , , Call loans Due from banks 3, , , Liabilities 21, , , Deposits 14, , , Negotiable certificates of deposit , Call money Payables under repurchase agreements 1, , , Collateral deposits under securities lending transactions 1, Bills sold Borrowed money 1, , , Figures of FY2005 are simple sum of BTMU and UFJB (April to December). Figures of FY2004 are simple sum of BTM and UFJB. Excluding separate subsidiaries 21

22 Source and Use of Funds (MUTB) 1/2 Domestic Sector Average balance Income/Expenses Yield (%) FY2006 H1 Change FY2006 H1 Change FY2006 H1 Change Assets 14,830.0 (2,133.0) Loans and bills discounted 9,459.4 (515.5) Investment securities 3,964.1 (958.2) Call loans (491.7) Collateral deposits on securities borrowed Bills bought Due from banks 21.5 (1.9) Liabilities 14,606.4 (2,333.7) 12.1 (0.5) Deposits 10,472.9 (905.2) Negotiable certificates of deposit 1,357.1 (157.3) Call money Payables under repurchase agreements 18.5 (146.4) Collateral deposits under securities lending transactions (17.4) Bills sold (371.3) Commercial paper (18.0) (0.0) (0.022) Borrowed money (0.1) (0.989) Net interest margin Figures of FY2005 H1 are simple sum of MTB and UFJTB. Excluding separate subsidiaries Net interest margin = net interest income/ average balance of interest earning assets International Sector Average balance Income/Expenses Yield (%) FY2006 H1 Change FY2006 H1 Change FY2006 H1 Change Assets 2,536.8 (622.6) Loans and bills discounted Investment securities 1,307.5 (612.6) 26.9 (4.0) Call loans 3.0 (12.2) 0.0 (0.1) Due from banks (129.4) Liabilities 2,548.5 (656.4) Deposits 1,115.0 (330.3) Negotiable certificates of deposit Call money 83.2 (44.3) Payables under repurchase agreements 15.7 (152.1) 0.2 (1.5) Collateral deposits under securities lending transactions (138.4) 3.8 (0.5) Borrowed money 26.9 (41.0) 0.2 (0.5) (0.580) Net interest margin Figures of FY2005 H1 are simple sum of MTB and UFJTB. Excluding separate subsidiaries Net interest margin = net interest income/ average balance of interest earning assets 22

23 Source and Use of Funds (MUTB) 2/2 Domestic Sector Average balance Income/Expenses Yield (%) FY2004 FY2005 FY2006 FY2004 FY2005 FY2006 FY2004 FY2005 FY2006 H1 H1 H1 Assets 18, , , Loans and bills discounted 10, , , Investment securities 5, , , Call loans Collateral deposits on securities borrowed Bills bought Due from banks Liabilities 18, , , Deposits 11, , , Negotiable certificates of deposit 1, , , Call money Payables under repurchase agreements Collateral deposits under securities lending transactions Bills sold Commercial paper Borrowed money Figures of FY2005 are simple sum of MUTB and UFJTB (April to September). Figures of FY2004 are simple sum of MTB and UFJTB. Excluding separate subsidiaries International Sector Average balance Income/Expenses Yield (%) FY2004 FY2005 FY2006 FY2004 FY2005 FY2006 FY2004 FY2005 FY2006 H1 H1 H1 Assets 3, , , Loans and bills discounted Investment securities 2, , , Call loans Due from banks Liabilities 4, , , Deposits 1, , , Negotiable certificates of deposit Call money Payables under repurchase agreements Collateral deposits under securities lending transactions Borrowed money Figures of FY2005 are simple sum of MUTB and UFJTB (April to September). Figures of FY2004 are simple sum of MTB and UFJTB. Excluding separate subsidiaries 23

24 Disclosed Claims under the Financial Reconstruction Law (FRL) 1/2 MUFG (BTMU+MUTB) (Total of banking and trust accounts) Mar End Mar End Mar End Mar End Mar End Sep End Claims to bankrupt and substantially bankrupt debtors 1, Claims under high risk 4, , , , Claims under close observation 4, , , , Disclosed claims under the FRL 10, , , , , ,277.8 Normal claims 92, , , , , ,462.9 Total 103, , , , , ,740.8 NPL Ratio 10.40% 6.99% 5.67% 3.33% 2.07% 1.43% Figures of March End 2006 are simple sum of BTMU and MUTB. Figures up to March End 2005 are simple sum of BTM, UFJB, MTB, and UFJTB. Figures up to March End 2006 include separate subsidiaries. NPLs* Credit-related Expenses** Balance 5, % NPL ratio 3.33% , % 1.43% 1, ,277.8 (687.8) Full fiscal year (970.4) Interim period Mar End 04 Mar End 05 Mar End 06 Sep End 06 FY04 FY05 FY06 * NPLs: Non-performing Loans Figures of September End 2006 exclude separate subsidiaries ** Sum of non-consolidated Figures of FY04 interim, FY04 full fiscal year and FY05 full fiscal year include separate subsidiaries 24