FY2004 Interim Financial Data
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1 FY2004 Interim Financial Data Data
2 1 Bank of Tokyo-Mitsubishi Mitsubishi Trust Summary of Financial Results 3 Summary of Financial Results 20 Interest Rate Spread Analysis 6 Interest Rate Spread Analysis 23 Non-Interest Income 9 Non-Interest Income 26 G&A Expenses, Personnel and Branch 10 G&A Expenses, Personnel and Branch 27 Numbers Numbers Reserve Ratio 11 Reserve Ratio 28 Valuation Difference on Securities/ 12 Valuation Difference on Securities/ 29 Redemption of Bonds Redemption of Bonds Derivatives which Qualify for Hedge- 13 Derivatives which Qualify for Hedge- 30 Accounting Accounting Exposures for Asia/South America/Russia by 14 Exposures for Asia/South America by 31 Nationality of Borrowers Nationality of Borrowers Financial Data of Mitsubishi Securities 15 Fiduciary Asset Management Businesses 32 Financial Data of UnionBancal Corporation 16 Trust Related Businesses 33 Retail Data 17
3 2 Part 1: 1: Bank of of Tokyo-Mitsubishi (P3 P18)
4 Summary of Financial Results (1) [Non-consolidated] Interim Interim Change % Gross Profits(A) % Net Interest Income (4.6) (1.4%) Net Fees and Commissions % Net Trading Profits % Net Other Business Income (11.9) (25.8%) Net Gains(Losses) on Debt Securities (18.0) % General and Administrative Expenses (B) % Expense Ratio (B) / (A) 49.7% 50.4% 0.7% - Net Business Profits before Provision for Formula Allowance for Loan Losses ((1)+(2)) (1.5) (0.6%) Provision for Formula Allowance for Loan Losses (1) Net Business Profit (2) (1.5) (0.6%) 3
5 4 Summary of Financial Results (2) [Non-consolidated] Interim Interim Change % Net Non-Recurring Gains (Losses) (86.0) (62.3) % Net Gains (Losses) on Equity Securities 5.9 (1.1) (7.0) (119.5%) Gains on equity securities (13.8) (27.7%) Losses on equity securities (40.1) (13.6) % Losses on write down of equity securities and Reserve for losses on investments (3.9) (23.6) (19.7) (496.4%) Credit Related Costs (3) (61.9) (41.7) % Others (30.0) (19.4) % Ordinary Profits (Losses) % Net Special Gains (231.9) (97.8%) Reversal of allowance for loan losses (4) (169.1) (97.9%) Refund of enterpise taxes by the Tokyo Metropolitan Governmen (32.1) (100.0%) Gains on transfer of the substitutional portion of future pension obligations (26.5) (100.0%) Profit on Recoveries of Charged-off Claims (7.1) (55.5%) Gain (Loss) before Income Taxes and Others (209.8) (54.3%) Income Taxes-current (26.0) (93.5%) Income Taxes-deferred (62.1) (48.4%) Net Income (Losses) (121.5) (52.9%) Total Credit Costs ((1)+(3)+(4)) * (110.7) % *Fiscal '03 interim result ends in the Credit "Profits".
6 5 Summary of Financial Results (3) [Non-consolidated] Fiscal'03 Fiscal '04 (03/3) (04/9) Change % 1 Total Assets 76, , , % 2 Loans and Bills Discounted 34, , , % 3 Investment Securities 20, , , % 4 Japanese Government Bonds 12, , , % 5 Domestic Equity Securities 3, ,858.9 (216.8) (7.0%) 6 Receivables under Resale Agreements (317.4) (69.2%) 7 Other Assets 1, ,417.1 (314.7) (18.1%) 8 Deferred Tax Assets (25.4) (4.8%) 9 Allowance for Loan Losses (468.5) (455.2) % 10 Total Liabilities 73, , , % 11 Deposits 51, , % 12 Debentures (235.2) (88.4%) 13 Payables under Repurchase Agreemen 1, , , % 14 Short-term corporate bonds (2.6) (0.8%) 15 Bonds and Notes 2, , % 16 Other Liabilities 2, , % [Non-consolidated] Fiscal'03 Fiscal '04 (03/3) (04/9) Change % 17 Total Shareholder's Equity* 3, ,026.0 (116.2) (3.6%) 18 Capital Stock Capital Surplus Capital Reserve Retained Earnings 1, (42.7) (4.1%) 22 Earned Surplus Reserve General-Purpose Reserve % 24 Unappropriated Retained Earnings (Losses) at the end of period (231.8) (61.7%) 25 Land Revaluation Excess (7.0) (4.1%) 26 Unrealized Gains (Losses) on Securities Available for Sale (66.4) 17.5%
7 6 Interest Rate Spread Analysis (Domestic&International) Interest earning assets & bearing liabilities [Non-consolidated] Interim (Yield) Interim (Yield) Change % 1 Net Interest Income (4.6) 2 Av. Int. Earning Assets 58, % 64, % 5,903.6 (0.19%) 3 Loans 34, % 34, % (0.08%) 4 Securities 18, % 23, % 5,064.3 (0.12%) 5 Japanese Government Bonds 10, % 15, % 5,032.4 (0.02%) 6 Domestic Equity Securities 2, % 2, % (286.3) 0.23% 7 Due from banks 2, % 2, % (253.5) 0.14% 8 Av. Int. Bearing Liabil. 62, % 68, % 5,973.3 (0.06%) 9 Deposits 48, % 51, % 2, % 10 CDs 2, % 1, % (317.1) 0.10% 11 Debentures % % (461.7) (0.21%) 12 Payables under repo transac. 2, % 3, % (0.40%) 13 Others* 4, % 7, % 3,158.6 (0.51%) *Call money and bills sold + Borrowed money Interest rate spread [Non-consolidated] Interim Interim Change 1 Avg. int. rate on int. earning assets (A) 1.55% 1.36% (0.19%) 2 Avg. int. rate on Loans (B) 1.67% 1.58% (0.08%) 3 Avg. int. rate on Investment Sec. 0.94% 0.82% (0.12%) 4 Avg. int. rate on int. bearing liabilities (C) 1.17% 1.05% (0.12%) 5 Avg. int rate on Deposits, NCD, Debenture (D) 0.23% 0.25% 0.02% 6 Expense Ratio 0.89% 0.88% 0.00% 7 Avg. int.rate spread (A) - (C) 0.37% 0.30% (0.07%) 8 Avg. loans and deposits spread (B) - (D) 1.44% 1.32% (0.11%)
8 7 Interest Rate Spread Analysis (Domestic) Interest earning assets & bearing liabilities [Non-consolidated] Interest rate spread [Non-consolidated] Interim (Yield) Interim (Yield) Change % Interim Interim Change 1 Net Interest Income Avg. int. rate on int. earning assets (A) 1.09% 0.98% (0.10%) 2 Av. Int. Earning Assets 45, % 51, % 6,192.8 (0.10%) 2 Avg. int. rate on Loans (B) 1.46% 1.38% (0.07%) 3 Loans 28, % 29, % (0.07%) 3 Avg. int. rate on Investment Sec. 0.45% 0.43% (0.02%) 4 Securities 15, % 20, % 4,948.5 (0.02%) 4 Avg. int. rate on int. bearing liabilities (C) 0.81% 0.72% (0.09%) 5 Japanese Government Bonds 10, % 15, % 5,032.4 (0.02%) 5 Avg. int rate on Deposits, NCD, Debenture (D) 0.03% 0.03% 0.00% 6 Domestic Equity Securities 2, % 2, % (286.3) 0.23% 6 Expense Ratio 0.75% 0.75% 0.00% 7 Call Loans % % 68.4 (0.04%) 7 Avg. int. rate spread (A) - (C) 0.28% 0.26% (0.01%) 8 Av. Int. Bearing Liabil. 49, % 55, % 6,330.5 (0.02%) 8 9 Deposits 39, % 41, % 1, % Avg. loans and deposits spread (B) - (D) 1.42% 1.35% (0.07%) 10 CDs 2, % 1, % (393.8) 0.00% 11 Debentures % % (461.7) (0.21%) 12 Payables under repo transac. 1, % 2, % % 13 Others* 3, % 6, % 3,292.3 (0.44%) *Call money and bills sold + Borrowed money
9 Interest Rate Spread Analysis (International) Interest earning assets & bearing liabilities [Non-consolidated] Interest rate spread [Non-consolidated] Interim (Yield) Interim (Yield) Change % 1 Net Interest Income (13.1) 2 Av. Int. Earning Assets 13, % 14, % (0.40%) 3 Loans 5, % 5, % (298.2) (0.04%) 4 Call loans % % 6.0 (0.10%) 5 Securities 3, % 3, % (0.10%) 6 Due from banks 2, % 2, % (253.5) 0.14% 7 Av. Int. Bearing Liabil. 13, % 14, % (0.15%) 8 Deposits 9, % 10, % % 9 CDs % % 76.7 (0.02%) 10 Payables under repo transac. 1, % % (262.6) (0.23%) 11 Others* 1, % 1, % (133.7) (0.05%) *Call money and bills sold + Borrowed money Interim Interim Change 1 Avg. int. rate on int. earning assets (A) 3.03% 2.63% (0.40%) 2 Avg. int. rate on Loans (B) 2.74% 2.70% (0.04%) 3 Avg. int. rate on Investment Sec. 3.08% 2.98% (0.10%) 4 Avg. int. rate on int. bearing liabilities (C) 2.46% 2.29% (0.16%) 5 Avg. int rate on Deposits, NCD, Debenture (D) 1.08% 1.16% 0.08% 6 Expense Ratio 1.51% 1.42% (0.09%) 7 Avg. int. rate spread (A) - (C) 0.57% 0.33% (0.24%) 8 Avg. loans and deposits spread (B) - (D) 1.66% 1.53% (0.12%) 8
10 9 Non-Interest Income [Non-consolidated] Interim Interim Change % 1 Fees and Commissions % 2 Domestic % 3 International % 4 Net trading profit % 5 Domestic 1.7 (1.2) (3.0) (171.3%) 6 International % 7 Net other business income (11.9) (25.8%) 8 (Net Securities Gains) (18.0) % 9 (Net Derivatives Gains) 22.3 (29.1) (51.4) (230.3%) 10 Domestic (31.4) % 11 Net Securities Gains (22.9) % 12 International (57.7) (74.2%) 13 Net Foreign Exchange Gains (3.7) (8.8%) 14 Net Securities Gains % 15 Net Unrealized Gains on Bonds* (59.2) (1.1) % *Marketable securities available for sale (including foreign bonds)
11 10 G&A Expenses, Personnel and Branch Numbers [Non-consolidated] Interim Interim Change % 1 General & Administrative Expenses % 2 Personnel Expenses (0.2) (0.2%) 3 Non-personnel Expenses % 4 Depreciation % 5 Deposit Insurance % 6 Rent Expenses % 7 Supplies Expenses (0.2) (9.1%) 8 Marketing Expenses (0.4) (19.5%) 9 Taxes (0.7%) Branch Numbers Mar'00 Mar'01 Mar'02 Mar'03 Mar'04 Sep'04 Domestic International 10 Total numbers of branches, etc (6) (1.7%) 11 Domestic (6) (2.1%) 12 Branches (7) (2.7%) 13 Sub-branches % 14 International Branches Sub-branches % 17 Rep. office (1) (5.8%) 18 Number of employees* 15,062 14,351 (711) (4.7%) * Excluding temporary employees 20,000 16,000 12,000 8,000 4,000 0 Personnel Numbers Mar'00 Mar'01 Mar'02 Mar'03 Mar'04 Sep'04
12 11 Reserve Ratio [ Non-consolidated] Mar. 31, 2003 Mar. 31, 2004 Sep. 30, 2004 (A) (B) (C) Change (C-A) Change (C-B) 1 Normal 0.15% 0.13% 0.12% (0.03%) (0.01%) 2 Close Watch 8.83% 9.38% 6.38% (2.44%) (3.00%) 3 (Excluding Secured Assets) 14.79% 15.08% 12.47% (2.32%) (2.60%) 4 Close Watch* 3.88% 5.16% 4.75% 0.86% (0.41%) 5 (Excluding Secured Assets) 6.91% 9.05% 9.32% 2.40% 0.27% 6 Internal Rating % 2.10% 2.10% 0.13% 0.00% 7 Internal Rating % 11.10% 9.94% 2.74% (1.15%) 8 Borrowers with claims under close observation 20.90% 21.68% 16.56% (4.33%) (5.11%) 9 (Excluding Secured Assets) 30.63% 28.02% 31.46% 0.82% 3.43% Under high risk of Bankruptcy (Excluding Secured Assets) % 61.19% 44.98% (24.39%) (16.21%) * Close Watch is classified into two ratings based on the credit profile of borrowers Note : Above figures excluding certain mortgage and consumer loans
13 Valuation Differences on Securities/Redemption Schedule of Bonds Valuation Differences on Securities* [Non-consolidated] As of Sep 30,2004 As of March 31,2004 Redemption Schedule of Bonds* 1 [ Non-consolidated] Due within Due after 1 year Due after 5 year Due after Total Valuation difference Valuation difference (A) (A)-(B) Gains Losses (B) Gains Losses 1 Debt securities being held to maturity Securities available for sale (111.6) Domestic equity securities (101.5) Domestic bonds (15.0) Other 27.3 (26.1) Total (104.0) Domestic equity securities (101.5) Domestic bonds (14.6) Other 27.6 (26.0) year through 5 years through 10 years 10 years Change from 03/03 1 Domestic bonds 10, , , , , Government bonds 10, , * , , Municipal bonds (34.5) 4 Corporate bonds , , Other bonds , , Total 11, , , , , ,523.8 * 1 Bonds classified as securities available for sale and being held to maturity * 2 Including 554.6(yen bn) 15y floating rate JGBs *The equity securities available for sale of subsidiaries and affiliated companies are excluded Appendix : Valuation Differences on Equity Securities Available for Sale of Subsidiaries and Affiliated Companies At September 30, 2004 (in millions) Amount in the balance sheet Market value Differences Subsidiaries 378, , ,478 Affiliated Companies 2,820 12,416 9,595 Total 381, , ,074 At March 31, 2004 (in millions) Amount in the balance sheet Market value Differences Subsidiaries 378, , ,376 Affiliated Companies 3,048 14,180 11,131 Total 382, , ,508 12
14 13 Derivatives which Qualify for Hedge-Accounting Derivatives which qualify for hedge-accounting [Non-consolidated] Notional principal or contract amount As of Sep 30,2004 Market value 1 Interest Rate Futures 5,839.2 (1.2) 2 Interest Rate Swaps 24, Others(Interest rate-related) Others(Exclude Interest rate-related) 3,272.2 (19.0) 5 Total 77.1 Deferred gains(losses) for derivatives As of Sep 30,2004 Note: Including the deferred gains/losses for derivatives which had been qualified for macro-hedgeaccounting as well as being qualified hedge-accounting Deferred hedge Deferred hedge Deferred hedge profit loss profit and loss 1 Interest Rate Futures (0.5) 2 Interest Rate Swaps Others(Interest rate-related) Others(Exclude Interest rate-related) Total Residual schedule of notional principal classified as interest rate swap [Non-consolidated] Due within 1 year Due after 1 year Due after 5 years Total through 5 years As of Sep 30, Receivable fixed rate/payable floating rate 5, , , , Receivable floating rate/payable fixed rate 3, , , , Receivable floating rate/payable floating rate Total 8, , , ,050.3
15 Exposures for Asia/South America/Russia by Nationality of Borrowers [Consolidated] (U$ Million) Total Exposure (a) Total Exposure (b) Country Exposure (c)* (c)/(a) 04/9 Short Term Mid/Long Term Japanese Non-Japanese Financial Institution 04/3 Change (a) - (b) % 04/3 1 a. Thailand 3,198 1,775 1,423 2,077 1, , % 1, % % 55.5% 44.5% 64.9% 32.8% 2.2% 3 b. Indonesia 1, , % % % 75.3% 24.7% 75.0% 23.8% 1.1% 5 c. Malaysia 1, , % % % 42.6% 57.4% 40.8% 53.3% 6.0% 7 d. Philippines (65) (8.4%) % % 49.5% 50.5% 24.9% 52.4% 22.7% 9 e. Korea 2,420 1, , ,636 (216) (8.2%) 1, % % 66.2% 33.8% 20.7% 49.6% 29.7% 11 (Sub-Total a-e) 9,323 5,424 3,899 4,419 3,838 1,066 8, % 5, % % 58.2% 41.8% 47.4% 41.2% 11.4% 13 f. Singapore 4,001 2,459 1,542 2,041 1, ,413 (412) (9.3%) 2, % % 61.5% 38.5% 51.0% 42.3% 6.7% 15 g. Hong Kong 4,768 2,578 2,190 2,140 2, ,829 (62) (1.3%) 2, % % 54.1% 45.9% 44.9% 51.0% 4.1% 17 h. Taiwan (8) (0.8%) % % 81.2% 18.8% 34.2% 36.9% 28.9% 19 i. China 3,653 2, , , % 1, % % 77.1% 22.9% 55.9% 23.2% 20.9% 21 (Total a-i) 22,679 14,037 8,642 10,963 9,152 2,564 22, % 12, % % 61.9% 38.1% 48.3% 40.4% 11.3% 25 j. Argentina (39) (18.9%) % % 38.9% 61.1% 25.7% 61.7% 12.6% 27 k. Brazil ,032 (284) (27.5%) % % 54.1% 45.9% 17.1% 49.8% 33.1% 29 l. Mexico % % % 38.0% 62.0% 25.0% 66.3% 8.7% 31 (Total j-l) 1, , , ,180 (316) (14.5%) 1, % % 44.5% 55.5% 21.9% 59.2% 18.9% 33 Russia % % % 48.2% 51.8% 5.7% 32.1% 62.2% 33 Turkish % % % 61.2% 38.8% 8.9% 32.5% 58.6% *Country Exposure = (Loan + Acceptances & Guarantees + Trade credit + Securities) - (Exposures in local Ccy + Exposures secured by insurance or guarantee on transfer risk + Exposures secured by deposit in local Ccy 14
16 15 Financial Data of Mitsubishi Securities Consolidated Consolidated Financial Financial Summary Summary Clients Clients assets assets in in custody custody Consolidated Financial Summary (in millions of Yen) Fiscal 03' Fiscal 04' Change(%) Interim Interim Operating revenue 67,726 67,384 (0.50%) Net revenue 65,597 59,763 (8.89%) Selling,general & administrative expenses 48,874 50, % Operating income(loss) 16,722 8,826 (47.21%) Ordinary income(loss) 17,936 10,736 (40.14%) Net income(loss) 20,524 11,438 (44.27%) Total assets 4,590,878 7,753, % Shareholders equity 357, , % Earning(loss) per share(yen) (19.62) Shareholders equity per share(yen) (Yen billion) 12,000 10,000 8,000 6,000 4,000 2,000 0 Mar-01 Mar-02 Mar-03 Mar-04 Sep-04 Equities Bonds Mutual Funds Note: The figures of 2001,2002 are the former KOKUSAI Securities. Equities and Bonds are based on the market value, and Mutual funds are the principal amount.
17 16 Financial Data of UnionBanCal Corporation [UNIONBANCAL CORPORATION Consolidated Financial Highlights ] (USD million) FY2003 FY2004 FY2001 FY2002 FY2003 Interim Interim Change 1 Net Interest Income (A) 1,526 1,564 1, Noninterest Income (B) Noninterest Expense (C) 1,191 1,296 1, (A)+(B)-(C) 1, Provision for credit losses (15) (70) 6 Income before tax Income tax expense and Taxable-equivalent adjustment Net Income BIS ratio 13.35% 12.93% 14.14% 13.06% 13.07% 0.01% 10 Tier 1 ratio 11.47% 11.18% 11.31% 11.44% 10.46% (0.98%) 11 N.P.A / Total Assets 1.37% 0.84% 0.68% 0.89% 0.40% (0.49%) 12 Earnings per share $3.04 $3.38 $3.90 $1.85 $2.59 $0.74 (USD Million) 40,000 35,000 30,000 25,000 20,000 15,000 10,000 5,000 0 (USD Million) 10,000 8,000 6,000 Balance* Balance* of of Deposits Deposits H Noninterest Bearing Interest Bearing *Average balance for the last quarter term Balance Balance of of Residential Residential Mortgage Mortgage Loan Loan 4,000 2, H1 2004
18 17 Retail Data (1) 28,000 27,000 Balance of Domestic Individual Deposits in Yen + 420bn bn. (03/9-04/9) (03/9-04/9) 26,000 25,000 24,000 23,000 22,000 21,000 20,000 Sep-02 Mar-03 Sep-03 Mar-04 Sep-04 Balance of Super Deposit Accounts Balance of Individual Deposits in Foreign Currency - 17bn. - 17bn. 800 (03/9-04/9) (03/9-04/9) Sep-02 Mar-03 Sep-03 Mar-04 Sep-04 # of accounts of BTM Direct 2,650ths. Accounts 2,650ths. Accounts + 1,200bn. 9, ,200bn. At At ,000 (03/9-04/9) (03/9-04/9) 7,000 6,000 5,000 4,000 3,000 2,000 1,000 0 Sep-02 Mar-03 Sep-03 Mar-04 Sep-04 (Thousand) +383ths. +383ths. 2,500 (03/9-04/9) (03/9-04/9) 2,000 1,500 1, Sep-02 Mar-03 Sep-03 Mar-04 Sep-04
19 18 Retail Data (2) Balance of Residential Mortgage Loan* 8, bn bn. 7,000 (03/9-04/9) (03/9-04/9) 6,000 5,000 4,000 3,000 2,000 1,000 0 Mar-99 Mar-00 Mar-01 Mar-02 Mar-03 *Excluding construction loan for rental properties Mar-04 Sep-04 Balance of Investment Trust Sales* bn bn. 800 (03/9-04/9) 700 (03/9-04/9) Sep-02 Mar-03 Sep-03 Mar-04 Sep-04 *Market value basis Volume of New Residential Mortgage Loan * 560bn. 560bn. (FY 04 1H) (FY 04 1H) FY01 1H FY01 2H FY02 1H FY02 2H FY03 1H FY03 2H FY04 1H *Excluding construction loan for rental properties Balance of Equity Investment Trust Sales* bn bn. (03/9-04/9) (03/9-04/9) 0 Sep-02 Mar-03 Sep-03 Mar-04 Sep-04 *Market value basis
20 19 Part 2:Mitsubishi Trust (P22-36)
21 20 Summary of Financial Results (1) [Non-consolidated] Interim Interim Change % 1 Gross Profits (15.2) (8.9%) 2 (Gross Ordinary Profit before Trust Accounts Charge-Offs) (A)* (21.2) (11.9%) 3 Trust Fees % 4 (Trust Fees before Trust Accounts Charge-Offs)* % 5 (Credit Related Costs for Trust Accounts)** (1) (8.4) (2.3) % 6 Net Interest Income (12.4) (12.0%) 7 Net Fees and Commissions % 8 Net Trading Profits % 9 Net Other Business Income 19.4 (2.1) (21.5) (110.8%) 10 Net Gains(Losses) on Dedt Securities (10.7) (68.6%) 11 General and Administrative Expenses(B) (7.2) (9.3%) 12 Expense Ratio (B) / (A) 43.28% 44.57% +1.28points 2.9% Net Business Profits before Credit Costs for Trust Accounts and Provision for Formula Allowance for Loan Losses ((1)+(2)+(3)) (14.0) (13.9%) 14 Provision for Formula Allowance for Loan Losses (2) 2.1 (2.1) 15 Net Business Profit (3) (10.1) (10.6%) * Amounts before credit costs for loans in trusts with contracts for compensating the principal (We express in positive % figures when negative amount decreased) ** Credit costs for loans in trusts with contracts for compensating the principal
22 Summary of Financial Results (2) [Non-consolidated] Interim Interim Change % 1 Net Non-Recurring Gains (Losses) (20.2) (25.2) (5.0) (24.8%) 2 Net Gains (Losses) on Equity Securities 0.9 (4.5) (5.4) (602.7%) 3 Net Gains(Losses) on Equity Securities % 4 Losses on Write Down of Equity Securities (2.8) (9.7) (6.9) (248.2%) 5 Credit Related Costs for Banking Accounts (4) (11.5) (14.3) (2.7) (23.7%) 6 Others (9.5) (6.3) % 7 Ordinary Profits(Losses) (15.1) (20.2%) 8 Net Special Gains (4.0) % 9 Profit on Recoveries of Charged-offs Claims % 10 Reversal of allowance for loan losses (5) Expenses for Retirement Benefits (2.5) (2.5) 0.0% 12 Refund of enterprise taxes by the Tokyo Metropolitan Government 9.8 (9.8) 13 Losses on impairment of fixed assets Net Losses on Retirement Benefits Trust Foundation (10.9) Gain (Loss) before Income Taxes and Others (6.1) (8.7%) 16 Income Taxes-current (18.8) % 17 Income Taxes Refund 18 Income Taxes-deferred (6.5) (23.0%) 19 Net Income(Losses) (30.7) (50.4%) 20 Total Credit Costs ((1)+(2)+(4)+(5)) (5.9) (33.1%) 21 (We express in positive % figures when negative amount decreased)
23 22 Summary of Financial Results (3) [Non-consolidated] Fiscal '03 Fiscal '04 interim (04/3) (04/9) Change % 1 Total Assets 19, ,272.0 (1,092.1) (5.6%) 2 Loans and Bills Discounted 8, , % 3 Investment Securities 7, ,817.5 (598.8) (8.0%) 4 Japanese Government Bonds 2, , % 5 Domestic Equity Securities (47.5) (5.2%) 6 Other Assets (243.0) (31.0%) 7 Deferred Tax Assets % 8 Allowance for Loan Losses (201.9) (191.9) % 9 Total Liabilities 18, ,356.1 (1,029.4) (5.6%) 10 Deposits 10, ,466.0 (378.7) (3.4%) 11 Payables under Repurchase Agreements % 12 Short Term Bonds and Notes % 13 Bonds and Notes % 14 Due to Trust Account 1, ,367.4 (12.8) (0.9%) 15 Other Liabilities (147.1) (31.0%) [Non-consolidated] Fiscal '03 (04/3) (04/9) Change % 1 Total Shareholder's Equity (62.6) (6.4%) 2 Capital Stock Capital Surplus Retained Earnings % 5 Earned Surplus Reserve General-Purpose Reserve % 7 Unappropriated Retained Earnings (Losses) at the end of period Fiscal '04 Interim (85.4) (63.9%) 8 Land Revaluation Excess (9.4) (9.0) % Unrealized Gains (Losses) on Securities (67.4) (36.1%) Available for Sale
24 23 Interest Rate Spread Analysis (Domestic & International) Interest earning assets & bearing liabilities [Non-consolidated] Interest rate spread [Non-consolidated] Interim (Yield) Interim (Yield) Change % 1 Net Interest Income (12.4) 2 Av. Int. Earning Assets 18, % 16, % (1,993.2) 12bp 3 Loans 8, % 8, % bp 4 Securities 7, % 6, % (1,335.9) 24bp 5 6 Japanese Government Bonds Domestic Equity Securities 1, % 2, % bp % % (156.4) 38bp 7 Due from banks % % (3.4) 23bp Interim Interim Change 1 Avg. int. rate on int. earning assets (A) 1.65% 1.52% 12bp 2 Avg. int. rate on Loans (B) 1.19% 1.11% 7bp 3 Avg. int. rate on Investment Sec. 2.28% 2.04% 24bp 4 Avg. int. rate on int. bearing liabilities (C) 0.51% 0.40% 11bp 5 Avg. int rate on Deposits, NCD, Debenture (D) 0.30% 0.32% 1bp 6 Avg. interest rate spread (A) - (C) 1.13% 1.12% 1bp 7 Avg. loans and deposits spread (B) - (D) 0.88% 0.79% 8bp 8 Av. Int. Bearing Liabil. 18, % 16, % (1,954.1) 11bp 9 Deposits 11, % 10, % (444.9) 0bp 10 CDs 1, % 1, % (73.4) 5bp 11 Payables under repo transac % % (48.4) 80bp 12 Others* 1, % 1, % (103.5) 23bp *Call money and bills sold + Borrowed money
25 24 Interest Rate Spread Analysis (Domestic) Interest earning assets & bearing liabilities [Non-consolidated] Interest rate spread [Non-consolidated] Interim (Yield) Interim (Yield) Change % 1 Net Interest Income Av. Int. Earning Assets 13, % 13, % (42.4) 4bp 3 Loans 7, % 7, % bp 4 Securities 3, % 3, % bp 5 6 Japanese Government Bonds Domestic Equity Securities 1, % 2, % bp % % (156.4) 38bp 7 Call Loans % % bp Interim Interim Change 1 Avg. int. rate on int. earning assets (A) 0.92% 0.96% 4bp 2 Avg. int. rate on Loans (B) 1.10% 1.05% 5bp 3 Avg. int. rate on Investment Sec. 0.92% 1.00% 7bp 4 Avg. int. rate on int. bearing liabilities (C) 0.18% 0.15% 3bp 5 Avg. int rate on Deposits, NCD, Debenture (D) 0.14% 0.11% 2bp 6 Avg. interest rate spread (A) - (C) 0.73% 0.81% 7bp 7 Avg. loans and deposits spread (B) - (D) 0.95% 0.93% 2bp 8 Av. Int. Bearing Liabil. 13, % 13, % (14.9) 3bp 9 Deposits 9, % 9, % (202.2) 2bp 10 CDs 1, % 1, % (99.0) 0bp 11 Payables under repo transac % % bp 12 Others* % % bp *Call money and bills sold + Borrowed money
26 25 Interest Rate Spread Analysis (International) Interest earning assets & bearing liabilities [Non-consolidated] Interest rate spread [Non-consolidated] Interim (Yield) Interim (Yield) Change % 1 Net Interest Income (17.6) 2 Av. Int. Earning Assets 6, % 4, % (2,337.5) 11bp 3 Loans % % (151.8) 6bp 4 Call Loans % % bp 5 Securities 3, % 2, % (1,425.0) 4bp 6 Due from banks % % bp 7 Av. Int. Bearing Liabil. 6, % 4, % (2,325.9) 20bp Interim Interim Change 1 Avg. int. rate on int. earning assets (A) 2.76% 2.87% 11bp 2 Avg. int. rate on Loans (B) 2.20% 2.13% 6bp 3 Avg. int. rate on Investment Sec. 3.52% 3.57% 4bp 4 Avg. int. rate on int. bearing liabilities (C) 1.08% 1.10% 2bp 5 Avg. int rate on Deposits, NCD, Debenture (D) 1.28% 1.69% 41bp 6 Avg. interest rate spread (A) - (C) 1.67% 1.76% 8bp 7 Avg. loans and deposits spread (B) - (D) 0.91% 0.43% 47bp 8 Deposits 1, % 1, % (242.7) 37bp 9 CDs % % bp 10 Payables under repo transac % % (138.5) 72bp 11 Others* % % (306.7) 0bp *Call money and bills sold + Borrowed money
27 26 Non-Interest Income Trust Fees [Non-consolidated] Interim Interim Change % 1 Trust Fees % 2 Loan Trusts & Jointly Operated Money Trusts % 3 (Before Trust account charge-offs) * % 4 Pension Trusts, Investment Trusts, etc % 5 Real Estate Trusts and others % Fee income ratio*: 27.3% (Change from fiscal 03 interim:+7.4points) * (Net fees and commissions + Trust fees - Trust fees from loan trust and jointly operated money trust) Gross profits before trust accounts charge-offs 6 Credit Related Costs for Trust Accounts (8.4) (2.3) 6.0 (72.2%) * Fees from loan trusts and jointly operated money trusts + charge-offs of loan losses in the trust account Fees and Commissions [Non-consolidated] Interim Interim Change % 1 Fees and Commissions % 2 Stock Transfer Agency % 3 Real Estate % 4 Securities Transfer % 5 Others % Stock Transfer Agency Business and Real Estate Business Interim Interim Change % 1 Stock Transfer Agency Number of companies represented % 2 Business Number of shareholders under management (million) % 3 Real Estate Business Transaction value %
28 27 G&A Expenses, Personnel and Branch Numbers [Non-consolidated] Interim Interim Change % 1 General & Administrative Expenses (7.2) (9.3%) 2 Personnel Expenses (6.2) (19.9%) 3 Non-personnel Expenses (2.3) (5.3%) 4 Depreciation % 5 Deposit Insurance Fee (0.1) (2.7%) 6 Taxes % 7 Total numbers of branches, etc (4) (6.8%) 8 Domestic (4) (8.0%) 9 Branches (4) (8.3%) 10 Sub-branches International Branches Sub-branches Rep. office Number of employees* 6,092 5,850 (242) (3.9%) * Excluding temporary employees
29 28 Reserve Ratio [Banking account : Non-consolidated] Sep. 30, 2002 Mar. 31, 2003 Sep. 30, 2003 Mar. 31, 2004 Sep. 30, 2004 (A) (B) (C) (D) (E) Change (E-D) Change (E-C) 1 Normal 0.22% 0.22% 0.25% 0.19% 0.15% (0.04%) (0.10%) 2 Close Watch 8.02% 7.85% 8.51% 9.49% 5.48% (4.01%) (3.03%) 3 (Excluding Secured Assets) 14.66% 14.57% 17.30% 18.22% 14.94% (3.28%) (2.36%) 4 Close Watch* 4.34% 3.80% 4.34% 3.69% 3.52% (0.17%) (0.82%) 5 (Excluding Secured Assets) 7.83% 6.90% 8.87% 7.57% 8.93% 1.36% 0.06% 6 Internal Rating % 3.00% 3.53% 2.60% 2.31% (0.29%) (1.22%) 7 Internal Rating % 7.01% 9.15% 9.40% 9.58% 0.18% 0.43% 8 Borrowers with claims under close observation 16.00% 16.67% 18.44% 19.94% 10.25% (9.69%) (8.19%) 9 (Excluding Secured Assets) 30.05% 32.54% 37.03% 34.37% 34.14% (0.23%) (2.89%) 10 Under high risk of Bankruptcy (Excluding Secured Assets) 82.98% 76.33% 77.03% 73.67% 75.87% 2.20% (1.16%) * Close Watch is classified into two ratings based on the credit profile of borrowers
30 Valuation Differences on Securities/Redemption Schedule of Bonds Valuation Differences on Securities [Non-consolidated] As of September 30,2004 As of March 31,2004 Valuation difference Valuation difference (A) (A)-(B) Gains Losses (B) Gains Losses 1 Debt securities being held to maturity 5.9 (0.9) Securities available for sale (113.7) Domestic equity securities (53.0) Domestic bonds Other 35.5 (65.4) Total (114.7) Domestic equity securities (53.0) Domestic bonds Other 35.8 (66.1) Redemption Schedule of Bonds * [Non-consolidated] Due within Due after 1 year Due after 5 year Due after Total 1 year through 5 years through 10 years 10 years Change from Mar Domestic bonds 1, , Government bonds 1, , Municipal bonds (7.7) 13 Corporate bonds Other bonds , ,905.3 (1,057.0) 15 Total 1, , , ,884.7 (550.3) *Bonds classified as securities available for sale and being held to maturity 29
31 Derivatives which Qualify for Hedge-Accounting Derivatives which qualify for hedge-accounting [Non-consolidated] As of September 30,2004 Notional principal or contract amount Market value 1 Interest Rate Futures Interest Rate Swaps 6, Currency Swap,etc. 1,707.9 (16.2) 4 Others(Interest rate-related) Others(Exclude Interest rate-related) Total (7.8) Residual schedule of notional principal classified as interest rate swap [Non-consolidated] As of September 30,2004 Due within 1 year Due after 1 year Due after 5 years Total through 5 years 7 Receivable fixed rate/payable floating rate 1, , , Receivable floating rate/payable fixed rate Receivable floating rate/payable floating rate Total 1, , ,290.2 Deferred gains/losses for derivatives *1 [Non-consolidated] As of September 30,2004 Deferred hedge Deferred hedge Deferred hedge profit loss profit and loss 11 Interest Rate Futures Interest Rate Swaps Currency Swap,etc Others(Interest rate-related) (0.1) 15 Others(Exclude Interest rate-related) Total *1 Including the deferred gains/losses for the derivatives which had been qualified for macro-hedge-accounting as well as being qualified for hedge-accounting 30
32 31 Exposures for Asia/South America by Nationality of Borrowers Total Exposure Sept. 04 Short Term Mid/Long Term Japanese Non-Japanese Financial Institution Total Exposure Mar.04 (US $ Million) Change % from Mar.04 1 a. Thailand (21) (11.9%) % 38.0% 62.0% 69.6% 26.9% 3.5% 3 b. Indonesia % % 60.0% 40.0% 94.7% 5.3% - 5 c. Korea (2) (100.0%) (Sub-Total a-c) (16) (6.8%) % 45.1% 54.9% 77.7% 20.0% 2.4% 9 d. Malaysia (1) (9.0%) % % 100.0% e. Philippines (1) (7.7%) % % % - 13 (Sub-Total a-e) (18) (6.9%) % 41.0% 59.0% 74.1% 23.7% 2.1% 15 f. Singapore % % 18.7% 81.3% 97.0% 1.4% 1.7% 17 g. Hong Kong (0) (0.0%) % 62.4% 37.6% 94.6% 5.4% - 19 h. Taiwan (105) (59.1%) % 100.0% % 21 i. China (82) (71.3%) % 79.4% 20.6% 17.1% 10.7% 72.2% 23 (Total a-i) (197) (24.4%) % 48.8% 51.2% 71.5% 11.4% 17.1% 25 j. Argentina % % 6.6% 93.4% k. Brazil (5) (95.0%) % % % - 29 l. Mexico % % % % 31 (Total j-l) (5) (29.4%) % 0.1% 99.9% - 3.1% 96.9% *MTB does not have any exposure for Russia.
33 32 (Including MTBJ: Master Trust Bank of Japan) Fiduciary Asset Management Businesses (book-value/principal basis) Balance of Fiduciary Assets under Management (Yen Trillion) Mar. 31, Sept. 30, Change 1 Total balance of fiduciary assets under management Asset Management Corporate pensions,etc Pension Trust:Tax-qualified pensions, Employees' pension funds & Defined benefit corporate pensions * Public pensions, Public funds, etc Asset Administration Corporate pensions,etc Specified Money Trust for Pension:Tax-qualified pensions, Employees' pension funds, Defined benefit corporate pensions & Defined contribution pensions Investment trusts Public pensions, Public funds, Financial institutions, Non-profit corporations, Other trust assets(securities trusts, Retirement benefit trust, etc.) (0.4) (Yen tn) Balance of Corporate Pension Funds Pension Trusts Specified Money Trusts for Pension March 2002 March 2003* March 2004* Sept 2004* Shares for main business of Fiduciary Asset Management Business * Including Defined benefit corporate pension from September, 2002 Balance of Security Specified Money Trusts & Investment Trusts Pension Trust MTB 20 % Specified Money Trust for Pension MTB 32% Privately Placed Investment Trust MTB 28 % Publicly Placed Mutual Funds Security Specified Money Ytusts (Yen tn) Privately Placed Mutual Funds Mar-02 Mar-03 Mar-04 Sep-04 (Figures are estimated by MTB)
34 Trust Related Businesses Balance of Mutual Funds Sale and Individual Annuity Insurance (Yen bn) Individual Annuity Insurance Mutual Funds for Individuals Mar-02 Mar-03 Mar-04 Sept-04 Balance of Entrusted Assets in Real Estate Custody (Yen tn) 10,000 9,000 8,000 7,000 6,000 5,000 4,000 3,000 2,000 1,000 (Contracts) 0 (Thousand shareholders) 7,000 6,500 6,000 5,500 5,000 Number of Testamentary Trust Contracts (with execution) Mar-02 Mar-03 Mar-04 Sept-04 Stock Transfer Agency : Number of Clients* & Shareholders* 870 5,949 6,257 No. of Shareholders No. of Clients , ,517 (Clients) 1, (Thousand households) Number of Memberships in The Excellent Club Mar-02 Mar-03 Mar-04 Sept-04 Balance of Securitization of Receivables (Yen tn) Residential Mortgage Loan Claim Others 0.5 4, Mar-02 Mar-03 Mar-04 Sept-04 4,000 Mar-02 Mar-03 Mar-04 Sept Mar-02 Mar-03 Mar-04 Sept-04 *Including foreign based stocks
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