Mitsubishi UFJ Financial Group

Transcription

1 MUFG Fact Book Interim Fiscal 2007 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 9 Loans and Deposits 12 Domestic Loans 13 Foreign Loans 14 Source and Use of Funds 15 Disclosed Claims under the FRL 19 Unrealized Gains (Losses) on Securities Available for Sale 20 Capital Ratios 21 Shares (Common and Preferred Stock) 22 Business Segment Data 23 Management Information 28 Global Network 33 1

2 MUFG Group Dedicated to Addressing All Customer Needs Major MUFG companies Credit Cards/Consumer Loans Mitsubishi UFJ NICOS Ryoshin DC Card ACOM DC Cash One Mobit Regional Bank Senshu Bank Chukyo Bank Gifu Bank TAISHO Bank 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 Mitsubishi UFJ Personal Financial Advisers Asset Management Mitsubishi UFJ Asset Management Kokusai Asset Management MU Investments Online Securities/ Internet Settlements kabu.com Securities Paygent Finance Tokyo Associates Finance Nippon Mutual Housing Loan 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 Shareholder Relations Consulting Services Japan Shareholder Services Research/Consulting Mitsubishi UFJ Research and Consulting Mitsubishi Asset Brains Mitsubishi UFJ Trust Investment Technology Institute Leasing Mitsubishi UFJ Lease & Finance BOT Lease NBL Venture Capital Mitsubishi UFJ Capital MU Hands-on Capital Information Technology Mitsubishi Research Institute DCS UFJIS UFJ & Hitachi Systems Diamond Business Engineering Corporation DC Pensions Defined Contribution Plan Consulting of Japan Overseas Union Bank of California Mitsubishi UFJ Securities International BTMU Capital Corporation As of September 30,

3 MUFG Network Delivering Financial Services Anytime, Anywhere Anywhere Worldwide Europe, the Middle East and Africa: 35 Asia and Oceania: 55 The Americas: 30 Union Bank of California (UBOC): 325 Anytime Open 24 hours Internet Banking Mobile-phone Banking Services Telephone Banking Convenience store ATM locations: approx. 25,000 Stand alone ATM locations: approx. 1,900 Domestic Network West Japan Region Retail branches and offices: 251 Corporate banking offices: 116 Central Japan Region Retail branches and offices: 165 Corporate banking offices: 78 East Japan Region Retail branches and offices: 455 Corporate banking offices: 181 Note: Numbers are as of September 30,

4 Snap Shot Consolidated Financial Summary and Data of MUFG under Japanese GAAP FY2006 H1* 1 FY2007 H1* 1 Gross Profits 1, ,796.8 Fee Income Ratio* % 43.2% G&A Expenses 1, ,061.4 Expense Ratio* % 59.0% Net Business Profits (before credit costs for trust accounts and provision for formula allowance for loan losses) Net Income Credit Costs* (267.4) Sep End 2006 Sep End 2007 Total Assets 184, ,894.4 Loans 85, ,751.0 Deposits 115, ,630.8 Total Net Assets 9, ,574.4 BIS Risk-adjusted Capital Ratio 11.95% 12.54% Tier 1 Ratio 6.82% 7.67% Disclosed Claims under the Financial Reconstruction Law* 5 1, ,179.4 NPL Ratio* % 1.29% Sep End 2007 Number of Employees* 6 47,124 Number of Domestic Offices* 6 1,000 Number of Foreign Offices* 6 84 Number of Consolidated Subsidiaries 252 Number of Affiliated Companies Accounted for by the Equity Method 44 Sep End 2007 Stock Price (Yen; as of September 21)* 7 1,010,000 Market Capitalization (Trillions of Yen) 10.6 As of Nov 30, 2007 Credit Ratings (long-term) Moody s S&P Bank of Tokyo-Mitsubishi UFJ Aa2 A+ Mitsubishi UFJ Trust and Banking Aa2 A+ Japanese GAAP; Accounting standards generally accepted in Japan *1 FY2006 H1: Six months ended September 30, 2006, FY2007 H1: Six months ended September 30, 2007 *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 Excluding separate subsidiaries *6 Sum of commercial bank, trust bank and securities company. *7 The final trading date during the interim period fell on September 21 due to a stock split. Thereafter, MUFG conducted a stock split (1 share to 1,000 shares of common stock) on September 30,

5 MUFG Performance (MUFG figures up to September 30, 2005 shown hereafter are simple sum of MTFG and UFJ unless specifically stated) Gross Profits 3, ,726.6 Full fiscal year Net Business Profits* 1, ,652.7 Full fiscal year Net Income 1, , ,794.7 Interim period 1, Interim period Full fiscal year Interim period FY05 FY06 FY07 FY05 FY06 FY07 FY05 FY06 FY07 * 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 06 Mar End 07 Sep End 07 Mar End 06 Mar End 07 Sep End 07 Mar End 06 Mar End 07 Sep End 07 Market Capitalization Ranking among Global Financial Institutions Billions of U.S. dollars 1 Industrial and Commercial Bank of China Ltd China Construction Bank Corp Bank of America Corp HSBC Holdings plc Bank of China Ltd MUFG 106 As of November 30, 2007 Source: Bloomberg 5

6 Consolidated Statements of Income of MUFG FY2002 FY2003 FY2004 FY2005 FY2006 FY2007 H1 Gross profits 3, , , , , ,796.8 Net interest income 1, , , , , Trust fees Credit costs for trust accounts (26.9) (26.9) (12.1) (0.9) (0.1) (0.0) Net fees and commissions , , Net trading profits Net other business income General and administrative expenses 1, , , , , ,061.4 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 (280.7) (280.0) (1.9) Net business profits 1, , , , , Net non-recurring losses (2,324.6) (1,157.6) (1,607.7) (251.3) (195.5) (235.9) Credit-related costs (1,125.4) (1,291.2) (1,280.1) (218.2) (196.1) (265.5) Losses on loan charge-offs (485.1) (496.7) (638.6) (153.7) (193.3) (87.0) Provision for specific allowance for loan losses (278.1) (559.6) (161.7) Other credit-related costs (362.1) (234.8) (641.5) (64.5) (2.7) (16.7) Net gains (losses) on equity securities (1,098.8) (177.0) Equity in profit (loss) of affiliates (3.2) (80.6) 8.6 Other (97.1) (120.3) (172.1) (114.2) (45.9) (33.4) Ordinary profit (loss) (1,029.6) , , Net special gains (losses) (47.8) Gains on loans charged-off Reversal of allowance for loan losses Income (loss) before income taxes and others (959.6) , , Income taxes current Income taxes deferred (274.9) Minority interest (0.4) Net income (loss) (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 Statements of Income of BTMU (Non-consolidated) FY2003 FY2004 FY2005 FY2006 FY2007 H1 Gross profits 2, , , , Domestic gross profits 1, , , , Net interest income 1, , , Net fees and commissions Net trading profits (21.2) Net other business income (1.1) 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 losses (1,001.3) (1,563.1) (149.2) (65.2) (125.5) Credit-related costs (1,090.3) (1,120.4) (125.6) (129.3) (153.2) Losses on loan charge-offs (391.6) (550.8) (101.3) (114.8) (71.4) Provision for specific allowance for loan losses (522.4) (72.7) Other credit-related costs (176.2) (569.5) (24.2) (14.4) (9.0) Net gains (losses) on equity securities (286.2) Other (195.2) (156.4) (128.3) (29.7) (7.9) 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 for and after FY2006 do not include separate subsidiaries. As for FY2003 figures, inter-company transactions between the bank and separate subsidiaries are not adjusted. BTM: Bank of Tokyo-Mitsubishi UFJB: UFJ Bank 7

8 Statements of Income of MUTB (Non-consolidated) FY2003 FY2004 FY2005 FY2006 FY2007 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) (0.1) (0.0) Net interest income Net fees and commissions Net trading profits (0.4) 9.6 (11.0) Net other business income (14.3) (3.8) Non-domestic gross profits Trust fees Net interest income Net fees and commissions (1.4) (1.9) (1.3) (0.2) 0.0 Net trading profits 3.9 (3.4) 6.1 (10.5) (2.3) Net other business income 11.0 (2.8) (0.3) (8.5) (11.9) 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) (1.7) (1.2) Net business profits Net non-recurring gains (losses) (94.8) (140.1) (7.9) 5.9 (16.5) Credit-related costs (85.8) (95.3) (32.7) 0.1 (10.9) Losses on loan charge-offs (34.1) (40.1) (13.1) (1.7) (1.1) Provision for specific allowance for loan losses (20.0) (31.6) (4.5) (10.9) Other credit-related costs (31.6) (23.6) (19.6) Net gains (losses) on equity securities 21.9 (15.8) (4.9) Other (30.9) (28.9) (5.8) (8.8) (0.5) 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) 0.6 (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 for and after FY2006 do not include separate subsidiaries. As for FY2003 figures, inter-company transactions between the bank and separate subsidiaries are not adjusted. MTB: Mitsubishi Trust and Banking UFJTB: UFJ Trust Bank 8

9 Consolidated Balance Sheets of MUFG Figures up to March End 2005 are simple sum of MTFG and UFJH. Mar End Mar End Mar End Mar End Mar End Sep End ASSETS: Cash and due from banks 12, , , , , ,978.3 Call loans and bills bought , , , , ,235.5 Receivables under resale agreements 1, , , , , ,619.0 Receivables under securities borrowing transactions 4, , , , , ,994.2 Commercial paper and other debt purchased , , , , ,856.5 Trading assets 8, , , , , ,891.8 Money held in trust Investment securities 42, , , , , ,990.2 Loans and bills discounted 91, , , , , ,751.0 Foreign exchanges 1, , , , , ,411.2 Other assets 5, , , , , ,999.5 Tangible fixed assets 1, ,717.8 Intangible fixed assets Premises and equipment 1, , , ,517.8 Deferred tax assets 2, , , Customers' liabilities for acceptances and guarantees 8, , , , , ,110.0 Allowance for loan losses (2,971.6) (2,952.8) (2,212.4) (1,360.7) (1,185.4) (1,261.0) Allowance for losses on investment securities (3.3) (3.1) (5.4) (26.6) (26.1) (34.1) Total assets 179, , , , , ,894.4 LIABILITIES: Deposits 113, , , , , ,630.8 Negotiable certificates of deposit 8, , , , , ,657.8 Call money and bills sold 8, , , , , ,527.5 Payables under repurchase agreements 4, , , , , ,451.5 Payables under securities lending transactions 6, , , , , ,609.0 Commercial paper 1, Trading liabilities 3, , , , , ,655.5 Borrowed money 2, , , , , ,511.9 Foreign exchanges , , , , Short-term corporate bonds , Bonds and notes 5, , , , , ,476.5 Due to trust account 2, , , , , ,592.4 Other liabilities 4, , , , , ,318.1 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, , , , , ,110.0 Total liabilities 173, , , , , ,319.9 NET ASSETS: Capital stock 1, ,383.0 Capital surplus 1, ,865.9 Retained earnings 4, ,286.0 Treasury stock (1,001.4) (576.4) Total owners' equity 6, ,958.6 Net unrealized gains on securities available for sale, net of taxes 2, ,803.4 Net deferred losses on hedging instruments, net of taxes (56.4) (60.1) Revaluation reserve for land, net of taxes Foreign currency transaction adjustments (26.4) 9.8 Total valuation and translation adjustments 2, ,900.6 Minority interests 2, ,715.1 Total net assets 10, ,574.4 Minority interest: 1, , , ,098.5 SHAREHOLDERS EQUITY: Capital stock 2, , , ,383.0 Capital surplus 2, , , ,915.8 Retained earnings ,325.9 Land revaluation excess Unrealized gains (losses) on securities available for sale (289.1) ,769.5 Foreign currency translation adjustments (137.6) (206.8) (215.3) (42.1) Treasury stock (6.3) (5.8) (6.2) (773.9) Total shareholders equity 4, , , ,

10 Non-Consolidated Balance Sheets of BTMU Figures up to March End 2005 are simple sum of BTM and UFJB. Mar End Mar End Mar End Mar End Sep End ASSETS: Cash and due from banks 9, , , , ,255.1 Call loans and bills bought 1, , , , Receivables under resale agreements Receivables under securities borrowing transactions 3, , , , ,546.7 Commercial paper and other debt purchased , , , ,799.1 Trading assets 5, , , , ,237.4 Money held in trust Investment securities 41, , , , ,946.4 Loans and bills discounted 72, , , , ,759.1 Foreign exchanges 1, , , , ,389.4 Other assets 3, , , , ,478.7 Tangible fixed assets Intangible fixed assets Premises and equipment 1, , ,056.7 Deferred tax assets 1, , Customers' liabilities for acceptances and guarantees 7, , , , ,140.0 Allowance for loan losses (2,319.3) (1,731.7) (928.1) (771.0) (791.8) Allowance for losses on investment securities (55.9) (66.6) (134.3) (132.1) (123.6) Total assets 147, , , , ,208.7 LIABILITIES: Deposits 100, , , , ,029.9 Negotiable certificates of deposit 6, , , , ,004.7 Debentures Call money 4, , , , ,704.7 Payables under repurchase agreements 2, , , , ,948.2 Payables under securities lending transactions 1, , , , ,099.8 Bills sold 5, , ,536.5 Commercial paper Trading liabilities , Borrowed money 3, , , , ,366.0 Foreign exchanges 1, , , , Short-term corporate bonds , Bonds and notes 4, , , , ,169.6 Other liabilities 3, , , , ,681.3 Reserve for employees' bonuses Reserve for losses on supports of specific borrowers 5.0 Reserve for employees' retirement benefits Reserve for contingent losses Reserve under special laws Deferred tax liabilities for land revaluation Acceptances and guarantees 7, , , , ,140.0 Total liabilities 142, , , , ,318.0 NET ASSETS: Capital stock Capital surplus 2, ,767.5 Retained earnings 1, ,656.4 Total owners' equity 5, ,421.0 Net unrealized gains on securities available for sale, net of taxes 1, ,270.6 Net deferred losses on hedging instruments, net of taxes (46.1) (39.9) Revaluation reserve for land, net of taxes Total valuation and translation adjustments 1, ,469.6 Total net assets 7, ,890.6 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, , ,

11 Non-Consolidated Balance Sheets of MUTB Mar End 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, , , , ,357.5 Loans and bills discounted 11, , , , ,768.6 Foreign exchanges Other assets Tangible fixed assets Intangible fixed assets Premises and equipment Deferred tax assets Customers' liabilities for acceptances and guarantees Allowance for loan losses (309.6) (222.5) (124.4) (122.9) (134.2) Allowance for losses on investment securities (0.0) (0.3) (0.1) (0.5) (0.7) Total assets 25, , , , ,973.6 LIABILITIES: Deposits 13, , , , ,715.2 Negotiable certificates of deposit 1, , , , ,794.7 Call money Payables under repurchase agreements Payables under securities lending transactions 1, Bills sold Commercial paper Trading liabilities Borrowed money Foreign exchanges Short-term corporate bonds Bonds and notes Due to trust account 3, , , , ,237.4 Other liabilities Reserve for employees' bonuses Reserve for employees' retirement benefits Reserve for contingent losses Reserve for possible losses to land trust 14.5 Deferred tax liabilities Deferred tax liabilities for land revaluation Acceptances and guarantees Total liabilities 24, , , , ,446.8 NET ASSETS: Capital stock Capital surplus Retained earnings Total owners' equity 1, ,205.7 Net unrealized gains on securities available for sale, net of taxes Net deferred losses on hedging instruments, net of taxes (6.8) (9.8) Revaluation reserve for land, net of taxes (9.6) (10.2) Total valuation and translation adjustments Total net assets 1, ,526.7 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. 11

12 Loans and Deposits MUFG (BTMU+MUTB) Mar End Mar End Mar End Mar End Mar End Sep End Loans 87, , , , , ,527.7 Domestic offices 78, , , , , ,985.0 Loans to SMEs and individual clients 48, , , , , ,954.5 Consumer loans 17, , , , , ,980.6 Housing loans 15, , , , , ,925.5 Overseas offices and others 8, , , , , ,542.6 Deposits 109, , , , , ,745.1 Domestic deposits 99, , , , , ,820.1 Individuals 58, , , , , ,408.7 Corporations and others 40, , , , , ,411.4 Overseas offices and others 10, , , , , ,924.9 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 for and after March End 2007 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 (Consolidated) (Comparison with other financial groups) Trillions of Yen Loans (left column) Deposits (right column) MUFG SMFG MIZUHO Sep End 2007 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 12

13 Domestic Loans Domestic Loans by Type of Industry MUFG (BTMU+MUTB) Millions of Yen Mar End Sep End Mar End Sep End Mar End Sep End Manufacturing 8,716,252 8,329,000 7,681,169 7,646,886 7,642,078 7,885,564 Agriculture 19,539 19,649 21,255 24,029 23,535 23,985 Forestry 22,866 17,256 17,247 12,057 16,746 13,986 Fishery 29,177 30,237 31,147 31,948 30,588 34,966 Mining 64,336 51,214 53,234 51,032 49,115 50,334 Construction 1,975,753 1,728,391 1,670,816 1,568,173 1,554,973 1,441,385 Utilities 522, , , , , ,929 Media and communication 1,945,686 1,858,243 1,855,766 1,847,318 1,810,231 1,764,850 Wholesale and retail 8,375,451 8,174,074 7,821,717 7,623,028 7,293,024 7,124,425 Banks and other financial institutions 7,869,890 7,729,673 7,477,546 8,218,309 7,310,206 6,930,902 Real estate 10,294,626 10,037,498 9,863,658 9,649,149 9,204,591 8,902,525 Services 7,064,631 6,625,144 6,219,549 6,158,929 6,440,854 6,160,478 Municipal government 1,410, , , , , ,653 Other industries 24,735,412 27,659,671 27,221,976 26,130,598 25,164,007 25,249,026 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 for and after September End 2006 do not include separate subsidiaries. Figures up to March End 2006 include separate subsidiaries. 13

14 Foreign Loans Loans to Asian Countries MUFG (BTMU+MUTB) Millions of Yen Mar End Sep End Mar End Sep End Mar End Sep End Thailand 303, , , , , ,189 Indonesia 155, , , , , ,657 Malaysia 120, , , , , ,388 Philippines 55,592 56,035 64,037 61,969 59,385 63,544 South Korea 191, , , , , ,555 Singapore 283, , , , , ,324 Hong Kong 553, , , , , ,385 China 465, , , , ,763 31,285 Taiwan 99, , , , , ,190 Others 75,972 91, , , , ,614 Total 2,305,095 2,592,344 2,903,174 3,240,026 3,499,167 3,109,133 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 for and after September End 2006 do not include separate subsidiaries. Figures up to March End 2006 include separate subsidiaries. Figures for September End 2007 exclude Loans extended by MUFG's Chinese subsidiary to China due to the conversion of MUFG's China Branch into a local subsidiary in July Loans to Latin American Countries MUFG (BTMU+MUTB) Millions of Yen Mar End Sep End Mar End Sep End Mar End Sep End Argentina 5,849 2,931 2,661 2,944 2,090 3,027 Brazil 66,868 61,246 91,548 89, ,178 88,779 Mexico 79,808 68,991 83,705 99,461 95,899 88,910 Caribbean countries 404, , , , , ,876 Others 70,335 59,945 70,482 70,848 67,197 77,865 Total 627, , , ,305 1,010, ,460 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 for and after September End 2006 do not include separate subsidiaries. Figures up to March End 2006 include separate subsidiaries. 14

15 Source and Use of Funds (BTMU) 1/2 Domestic Sector Average balance Income/Expenses Yield (%) FY2007 H1 Change FY2007 H1 Change FY2007 H1 Change (%point) Assets 99,678.6 (3,794.0) Loans and bills discounted 55,685.3 (2,428.3) Investment securities 30,680.2 (3,226.8) Call loans (250.8) Collateral deposits on securities borrowed 2, Bills bought 7.4 (86.4) Due from banks Liabilities 98,499.2 (3,672.2) Deposits 84,744.4 (362.8) Negotiable certificates of deposit 4,025.6 (308.1) Call money 1,723.7 (158.3) Payables under repurchase agreements (511.6) Collateral deposits under securities lending transactions 2, Bills sold (1,938.6) (0.2) Borrowed money 1,565.8 (429.5) Net interest margin Excluding separate subsidiaries Net interest margin = net interest income/average balance of interest earning assets International Sector Average balance Income/Expenses Yield (%) FY2007 H1 Change FY2007 H1 Change FY2007 H1 Change (%point) Assets 29, , Loans and bills discounted 11, , Investment securities 7, Call loans (133.7) 6.0 (3.3) (0.086) Due from banks 6, (0.201) Liabilities 32, , Deposits 14, Negotiable certificates of deposit 1, Call money (0.801) Payables under repurchase agreements 2, Collateral deposits under securities lending transactions (266.6) 3.4 (6.8) Bills sold Borrowed money 3, Net interest margin (0.172) Excluding separate subsidiaries Net interest margin = net interest income/average balance of interest earning assets 15

16 Source and Use of Funds (BTMU) 2/2 Domestic Sector Average balance Income/Expenses Yield (%) FY2005 FY2006 FY2007 FY2005 FY2006 FY2007 FY2005 FY2006 FY2007 H1 H1 H1 Assets 102, , , , , Loans and bills discounted 59, , , Investment securities 37, , , Call loans Collateral deposits on securities borrowed 1, , , Bills bought Due from banks Liabilities 110, , , Deposits 85, , , Negotiable certificates of deposit 4, , , Call money 2, , , Payables under repurchase agreements 1, , Collateral deposits under securities lending transactions , , Bills sold 10, Borrowed money 1, , , Figures of FY2005 are simple sum of BTMU and UFJB (April to December). Excluding separate subsidiaries International Sector Average balance Income/Expenses Yield (%) FY2005 FY2006 FY2007 FY2005 FY2006 FY2007 FY2005 FY2006 FY2007 H1 H1 H1 Assets 23, , , , Loans and bills discounted 8, , , Investment securities 7, , , Call loans Due from banks 4, , , Liabilities 24, , , , Deposits 14, , , Negotiable certificates of deposit , , Call money Payables under repurchase agreements 2, , , Collateral deposits under securities lending transactions Bills sold Borrowed money 2, , , Figures of FY2005 are simple sum of BTMU and UFJB (April to December). Excluding separate subsidiaries 16

17 Source and Use of Funds (MUTB) 1/2 Domestic Sector Average balance Income/Expenses Yield (%) FY2007 H1 Change FY2007 H1 Change FY2007 H1 Change (%point) Assets 14,753.5 (76.5) Loans and bills discounted 8,823.2 (636.2) Investment securities 4, (8.1) (0.596) Call loans Collateral deposits on securities borrowed Bills bought 2.4 (15.3) Due from banks Liabilities 14,440.3 (166.1) Deposits 10, Negotiable certificates of deposit 1, Call money Payables under repurchase agreements 16.0 (2.4) Collateral deposits under securities lending transactions Bills sold (145.9) 0.0 Borrowed money (124.1) Net interest margin (0.205) Excluding separate subsidiaries Net interest margin = net interest income/average balance of interest earning assets International Sector Average balance Income/Expenses Yield (%) FY2007 H1 Change FY2007 H1 Change FY2007 H1 Change (%point) Assets 3, Loans and bills discounted Investment securities 1, Call loans Due from banks (0.2) (1.062) Liabilities 3, Deposits 1, (0.356) Negotiable certificates of deposit Call money 57.6 (25.5) 1.4 (0.4) Payables under repurchase agreements Collateral deposits under securities lending transactions (50.7) Borrowed money 10.2 (16.6) Net interest margin (0.068) Excluding separate subsidiaries Net interest margin = net interest income/average balance of interest earning assets 17

18 Source and Use of Funds (MUTB) 2/2 Domestic Sector Average balance Income/Expenses Yield (%) FY2005 FY2006 FY2007 FY2005 FY2006 FY2007 FY2005 FY2006 FY2007 H1 H1 H1 Assets 16, , , Loans and bills discounted 9, , , Investment securities 4, , , Call loans Collateral deposits on securities borrowed Bills bought Due from banks Liabilities 16, , , Deposits 11, , , Negotiable certificates of deposit 1, , , Call money Payables under repurchase agreements Collateral deposits under securities lending transactions Bills sold Borrowed money Figures of FY2005 are simple sum of MUTB and UFJTB (April to September). Excluding separate subsidiaries International Sector Average balance Income/Expenses Yield (%) FY2005 FY2006 FY2007 FY2005 FY2006 FY2007 FY2005 FY2006 FY2007 H1 H1 H1 Assets 2, , , Loans and bills discounted Investment securities 1, , , Call loans Due from banks Liabilities 3, , , 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). Excluding separate subsidiaries 18

19 Disclosed Claims under the Financial Reconstruction Law (FRL) 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 Claims under high risk 2, , , Claims under close observation 3, , , Disclosed claims under the FRL 6, , , , , ,179.4 Normal claims 90, , , , , ,929.2 Total 96, , , , , ,108.6 NPL Ratio 6.99% 5.67% 3.33% 2.07% 1.46% 1.29% 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 for and after March End 2007 exclude separate subsidiaries. Figures up to March End 2006 include separate subsidiaries. NPLs* Credit-related Expenses** 3.33% NPL ratio Full fiscal year Balance 3, % Interim period 1.46% 1.29% 1, , ,179.4 (40.4) (156.4) Mar End 05 Mar End 06 Mar End 07 Sep End 07 FY05 FY06 FY07 * NPLs: Non-performing Loans ** BTMU+MUTB Figures for and after March End 2007 exclude separate subsidiaries Figures up to March End 2006 include separate subsidiaries 19

20 Unrealized Gains (Losses) on Securities Available for Sale MUFG Mar End Mar End Mar End Mar End Mar End Sep End Domestic equity securities (609.2) 1, , , , ,020.2 Domestic bonds (54.2) 31.1 (210.1) (70.3) (78.9) Government bonds (69.0) 12.7 (188.3) (65.8) (73.8) Municipal bonds (1.1) (0.0) (0.2) Corporate bonds (20.5) (4.5) (4.8) Other securities Foreign equity securities Foreign bonds (90.9) (48.1) (87.1) Other (4.9) Total (265.0) 1, , , , ,980.7 Figures up to March End 2005 are simple sum of MTFG and UFJH. 20

21 Risk-adjusted Capital Ratios Based on the Standards of the BIS MUFG Mar End Mar End Sep End Risk-adjusted capital ratio 12.20% 12.54% 12.54% Tier 1 ratio 6.80% 7.57% 7.67% Tier 1 7, , ,230.7 Tier 2 (includable as qualifying capital) 6, , ,643.2 The amount of unrealized gains on investment securities 1, , ,355.6 The amount of land revaluation excess Subordinated debt 3, , ,763.6 Tier 3 (includable as qualifying capital) Deductions from total qualifying capital Total qualifying capital 13, , ,456.4 Risk-adjusted assets 110, , ,270.3 Figures for and after March End 2007 are calculated based on the Basel 2 Standards 21

22 Shares (Common and Preferred Stock) Type of shares Common Stock Class 8 Class 11 Class 12 First Series of Class 3 Preferred Shares Preferred Shares Preferred Shares Preferred Shares Original issuer Sanwa Toyo Trust Toyo Trust MTFG No. of shares outstanding 10,487,294,143 17,700,000 shares 1,000 shares 33,700,000 shares 100,000,000 shares as of Sep.30, 2007 shares* (excluding Treasury Stock) Balance as of Sep. 30, bil. 0.0 bil bil bil. No. of shares issued 200,000 shares 80,000 shares 200,000 shares 100,000 shares Total issue amount bil bil bil bil. Dividend yield 0.53% 0.53% 1.15% 2.40% Preferred shares Oct. 1, 05 Oct. 1, 05 Oct. 1, 05 conversion period Jul. 31, 08 Jul. 31, 14 Jul. 31, 09 Conversion price 1, as of Sep.30 Minimum conversion price 1, Conversion price revision date Aug. 1, 06 on every Aug. 1 on every Jun. 30 and Aug. 1, 07 from Aug. 1, 06 from Jun. 30, 06 to Aug. 1, 13 to Jun. 30, 08 Mandatory conversion date Aug. 1, 08 Aug. 1, 14 Aug. 1, 09 Minimum mandatory 1, conversion price Upward revision of Yes No No conversion price No. of shares after conversion at conversion price as of 31,355,100 shares 1,000 shares 42,336,600 shares Sep.30** No. of shares after conversion at minimum conversion price** 31,355,100 shares 1,000 shares 42,336,600 shares No. of shares after conversion at minimum mandatory 43,895,100 shares 1,200 shares 42,379,200 shares conversion price** Total (Excluding Treasury Stock) Total common shares outstanding if all preferred shares are converted at conversion price as of Sep.30** 10,560,986,843 Total common shares outstanding if all preferred shares are converted at minimum conversion price** 10,560,986,843 Total common shares outstanding if all preferred shares are converted at minimum mandatory conversion price** 10,573,569,643 * Excluding 374,349,647 common shares in treasury stock ** Excluding treasury stocks by a request for purchase of fractional unit shares 22

23 MUFG Fact Book Interim Fiscal 2007 Business Segment Data Contents Profits by Business Segment 24 Retail 25 Corporate 26 Trust Assets 27 23

24 Profits by Business Segment Consolidated Gross Profits/Net Operating Profits FY2006 H1 (% of total) FY2007 H1 (% of total) Change % change Gross profits* 1 * 3 * 4 1, % 1, % % Retail % % % Corporate % % % Domestic % % (6.6) (1.1)% Overseas % % % UNBC % % % Trust Assets % % % Global Markets, others % % (40.0) (22.9)% Net operating profits* 2 * 3 * % % (54.2) (7.0)% Retail % % % Corporate % % (28.6) (5.9)% Domestic % % (27.6) (7.6)% Overseas % % % UNBC % % (3.6) (5.7)% Trust Assets % % % Global Markets, others % % (53.5) (76.3)% *1 Consolidated gross profits before adjusting intra-group transactions except dividends from subsidiaries (managerial accounts basis) *2 Consolidated net business profits before consolidation adjustments (managerial accounts basis, before amortization of goodwill) *3 As a result of a change in accounting period due to the formation of BTMU s China subsidiary only 3 months results from Chinese operations are included. The estimated effects in FY07 H1 were: Gross profits approx.+ 8 billion, Net operating profits approx billion *4 In FY06 H1 accrued fees as of the March End 2006 were included as a result of a change in accounting standards (the introduction of accrual accounting for trust fees). The estimated effect in FY06 H1 was: Gross profit approx billion Business Portfolio (Net Operating Profits Basis) Global Markets, others 9% Trust Assets 6% UNBC 8% Overseas 8% Retail 22% Domestic corporate 47% Global Markets, others 2% Trust Assets 7% UNBC 8% Overseas 9% Retail 27% Domestic corporate 47% FY06 H1 FY07 H1 24

25 Retail Consolidated Gross Profits Inheritance/Real estate Investment products Consumer finance Loans Yen deposits Others FY06 H1 FY07 H1 Consumer Finance Income* 1 Yen Deposits FY06 H1 FY07 H1 FY06 H1 FY07 H1 *1 Income from credit cards (Mitsubishi UFJ NICOS) + Bank-issued card loans, etc. Housing Loan Income* 2 Income from Investment Products Insurance annuities 80.4 Investment trusts Financial products intermediation Foreign currency deposits FY06 H1 FY07 H1 FY06 H1 FY07 H1 *2 Housing loans include funds for construction of housing for rent 25

26 Corporate Consolidated Gross Profits Real estate business SME business Asia business 939.1* * 2 Securities Settlement business Investment banking 484.4* 2 Others FY06 H1 FY07 H1 *1 As a result of a change in accounting period due to the formation of BTMU's China subsidiary only 3 months results from Chinese operations are included. If these had been included the estimated effects are: Gross profit +approx. 8.0billion *2 After elimination of duplicated counts between businesses: FY06 H1: 21.1 billion; FY07 H1: 16.1 billion Investment Banking Business Income (Domestic)* 3 Settlement Business Income Other (Underwriting, etc.) Currency options Structured finance Securitization Domestic syndicated loans Customer derivatives*4 General forex Domestic settlement FY06 H1 FY07 H1 FY06 H1 FY07 H1 *3 Including the duplicated counts between businesses *4 Including financial products intermediation Asia Business Income Real Estate Business Income FY06 H1 FY07 H1* 5 FY06 H1 FY07 H1 *5 As a result of a change in accounting period due to the formation of BTMU's China subsidiary, only 3 months results from Chinese operations are included. If these had been included the estimated effects are: Gross profit +approx. 8 billion 26

27 Trust Assets Consolidated Gross Profits* Global custody Other trust businesses Investment trust management Investment trust administration Mitsubishi UFJ Asset Management Kokusai Asset Management Pensions FY06 H1 FY07 H1 *1 Pensions, Investment trust administration and Other trust businesses are affected by change in accounting standard Excluding yen custody business (excluded from Trust Assets business consolidation from FY07 H1) MTBJ's profits are split into each sections Pension Business Income* 2 Investment Trust Business Income* 3 Effects of change in accounting standard Kokusai Asset Management 36.4 Investment trust management 32.4 Effects of change in accounting standard Mitsubishi UFJ Asset Management Investment trust administration FY06 H1 FY07 H1 FY06 H1 FY07 H1 *2 Sum of MUTB and Master Trust Bank of Japan *3 Sum of MUTB and Master Trust Bank of Japan (Investment administration) Global Custody Business Income* FY06 H1 FY07 H1 *4 Excluding yen custody business (excluded from Trust Assets business consolidation from FY07 H1) 27

28 MUFG Fact Book Management Information Contents Group s Management Philosophy 29 Ethical Framework 30 Group Corporate Governance Structure 31 Directors and Auditors 32 28

29 Group s Management Philosophy The group s management philosophy will serve as the basic policy in conducting its business activities, and will provide guidelines for all group activities. The group s management philosophy will also be the foundation for management decisions, including the formulation of management strategies and management plans, and will serve as the core value for all employees. The details of the group management philosophy are set forth below. The group s holding company, bank, trust bank and securities company will adopt the group s management philosophy as their own respective management philosophy, and the entire group will strive to comply with this philosophy. Group s Management Philosophy 1) We will respond promptly and accurately to the diverse needs of our customers around the world and seek to inspire their trust and confidence. 2) We will offer innovative and high-quality financial services by actively pursuing the cultivation of new business areas and developing new technologies. 3) We will comply strictly with all laws and regulations and conduct our business in a fair and transparent manner to gain the public s trust and confidence. 4) We will seek to inspire the trust of our shareholders by enhancing corporate value through continuous business development and appropriate risk management, and by disclosing corporate information in a timely and appropriate manner. 5) We will contribute to progress toward a sustainable society by assisting with development in the areas in which we operate and conducting our business activities with consideration for the environment. 6) We will provide the opportunities and work environment necessary for all employees to enhance their expertise and make full use of their abilities. 29