Fiscal 2015 Results Presentation May 23, 2016 Mitsubishi UFJ - PowerPoint PPT Presentation

Fiscal 2015 Results Presentation May 23, 2016 Mitsubishi UFJ Financial Group, Inc.

This document contains forward-looking statements in regard to forecasts, targets and plans of Mitsubishi UFJ Financial Group, Inc. (“MUFG”) and its group companies (collectively, “the group”). These forward-looking statements are based on information currently available to the group and are stated here on the basis of the outlook at the time that this document was produced. In addition, in producing these statements certain assumptions (premises) have been utilized. These statements and assumptions (premises) are subjective and may prove to be incorrect and may not be realized in the future. Underlying such circumstances are a large number of risks and uncertainties. Please see other disclosure and public filings made or will be made by MUFG and the other companies comprising the group, including the latest kessantanshin, financial reports, Japanese securities reports and annual reports, for additional information regarding such risks and uncertainties. The group has no obligation or intent to update any forward-looking statements contained in this document. In addition, information on companies and other entities outside the group that is recorded in this document has been obtained from publicly available information and other sources. The accuracy and appropriateness of that information has not been verified by the group and cannot be guaranteed. The financial information used in “Outline of Financial Results” was prepared in accordance with accounting standards generally accepted in Japan, or Japanese GAAP, unless otherwise stated. Definitions of figures used in this document Consolidated : Mitsubishi UFJ Financial Group (consolidated) Non-consolidated : Bank of Tokyo-Mitsubishi UFJ (non-consolidated) + Mitsubishi UFJ Trust and Banking Corporation (non-consolidated) (without any adjustments) Commercial bank : Bank of Tokyo-Mitsubishi UFJ (consolidated) consolidated 2

Management index (Consolidated) ROE Dividend per share/Dividend payout ratio Dividend 9.05% 10% 8.77% 8.74% 40.6% 25.2% *4 22.0% 23.4% 24.6% 26.3% 30.0% 29.2% payout *2 *1 7.75% 7.63% ratio 6.89% (¥) Year-end divivend 8.1% 8.0% *2 7.4% 7.4% Interim dividend 4.92% 15 *1 6.6% 5% 6.2% 9 9 9 4.9% 9 10 7 6 6 6 JPX basis MUFG basis 0% 5 9 9 9 FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 7 6 6 6 6 (3.97)% 0 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 (4.0)% (5%) (Forecast) EPS BPS (¥) (¥) 1,121.06 1,200 1,092.75 80 73.22 68.29 68.51 1,000 893.77 58.99 *3 60 800.95 47.54 800 612.05 604.58 678.24 39.94 40 29.56 528.66 600 20 400 0 FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 200 (20) 0 (25.04) (40) End Mar End Mar End Mar End Mar End Mar End Mar End Mar End Mar 09 10 11 12 13 14 15 16 *1 Profits attributable to owners of parent - Equivalent of annual dividends on nonconvertible preferred stocks × 100 { （ Total shareholders' equity at the beginning of the period - Number of nonconvertible preferred stocks at the beginning of the period × Issue price + Foreign currency translation adjustments at the beginning of the period ） + （ Total shareholders' equity at the end of the period - Number of nonconvertible preferred stocks at the end of the period × Issue price + Foreign currency translation adjustments at the end of the period ） } ÷ 2 *2 11.10%(MUFG basis), 10.6%(JPX basis) before excluding negative goodwill associated with application of equity method accounting on our investment in Morgan Stanley *3 ¥68.09 before excluding negative goodwill associated with application of equity method accounting on our investment in Morgan Stanley 3 *4 17.6% before excluding negative goodwill associated with application of equity method accounting on our investment in Morgan Stanley

Financial targets of the current mid-term business plan • Aim to achieve stable and sustainable income growth through seeking diversified revenue bases especially in customer segment both domestically and overseas, and capital efficiency by improving productivity • Enhance shareholder value by conducting capital management flexibly taking the balance of (1) enhancement of further shareholder returns, (2) maintenance of a solid capital base and (3) strategic investments for sustainable growth, into consideration FY14 FY17 Target FY15 Increase 15% or Growth EPS(¥) ¥73.22 ¥68.51 more from FY14 Between ROE 8.74% 7.63% 8.5-9.0% Profitability Expense ratio 61.1% Approx. 60% 62.3% CET1 ratio Financial 12.2% 9.5% or above 12.1% (Full implementation) *1 strength (Excluding an impact of net unrealized gains (losses) on available-for-sale securities) 9.9% *1 Calculated on the basis of regulations to be applied at end Mar 19 4

Contents Outline of FY2015 results 6 Growth strategy 35 • Key points 7 • Key initiatives for FY16 following changes in the business environment 36 • Income statement summary 8 • BoJ negative interest rate policy 37 • Outline of results by business segment 9 • Support wealth accumulation and stimulation of • Historical outlook by business segment 10 consumption for individuals 38 • Expenses 16 • Contribute to growth of SMEs 41 • Balance sheets summary 17 • Reform global CIB business model 42 • Loans/Deposits 18 • Evolve sales and trading operations 47 • Domestic deposit/lending rates 19 • Develop global asset management and • Domestic and overseas lending 20 investor services operations 48 • Asset quality 21 • Further reinforce transaction banking operations 51 Historical credit costs, Non-performing loans • Strengthen commercial banking platforms • Energy and mining portfolio 23 in Asia and the United States 52 Overview, Credit quality Corporate governance, Capital policy • Investment securities 29 and Equity holdings 57 • Capital 30 • Financial results of MUSHD 31 • Enhancement of corporate governance 58 • Financial results of MUN/ACOM 32 • Capital policy 59 • Financial results of Morgan Stanley and • Dividend forecast 60 major collaborations 33 • Repurchase of own shares 61 • FY2016 financial target 34 • Efficient use of capital 62 • Capital management 63 The best capital mix, Reduction of equity holdings Appendix 66 5

6 Outline of FY2015 Results

Key points of FY2015 (Consolidated)  Profit attributable to owners of parent was ¥951.4 bn Breakdown of FY15 profits (decreased ¥82.3 bn from FY14) attributable to owners of parent *1 • Achieved ¥950.0 bn target under the severe business (¥bn) environment, BoJ’s negative interest rate policy, decline in 1100 natural resource prices and Asian economy slowdown MS 146.8 MUFG • ¥255.1 bn total credit cost was posted 1000 Consolidated 951.4  Progress of mid-term business plan Others *4 MUSHD ACOM • [Retail] Through the completion of Japan Post’s IPO deal, (55.4) 43.2 900 5.8 KS *3 group-wide business structure and customer base of 42.3 MUAH *2 investment product sales have been developed MUN 57.2 (34.7) 800 • [Global] U.S. new management has been started with the MUTB 159.9 new externally-recruited CEO. In Asia, capital and business alliance with Philippines’ Security Bank concluded with 700 acquisition of approx. 20% of its stake • [Transaction banking] Internal business structure has been BTMU 586.0 developed and Non-Yen customer deposits steadily 600 increased  Shareholder return and others 500 • Dividend per share in FY15 stayed at ¥18 • Decided repurchase of own shares up to ¥100.0 bn 400 following Nov 15 *1 The above figures take into consideration the percentage holding in each subsidiary • Approx. ¥120 bn equities reduced in FY15 on acquisition and equity method investee (after-tax basis) price basis *2 MUFG Americas Holdings Corporation *3 Bank of Ayudhya (Krungsri) • Changed to a company with three committees to create an *4 Including cancellation of the amount of inter-group dividend receipt and profits (losses) related to transfer of equity securities within MUFG effective and efficient corporate governance framework since Jun 15 7