Nomura I nvestment Forum 2006 Mitsubishi UFJ Financial Group December 2006 0
This document contains forward - looking statements in regard to forecasts, targets and plans of Mitsubishi UFJ Financial Group, Inc. (“MUFG”) and its respective 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 this document was prepared in accordance with accounting standards generally accepted in Japan, or Japanese GAAP. 1
Definitions of figures used in this document After FY2005 H2 : Mitsubishi UFJ Financial Group (consolidated) PL Consolidated items Up to FY2005 H1: Mitsubishi Tokyo Financial Group (consolidated) + UFJ Holdings (consolidated) (without other adjustments) After March 31, 2006: Mitsubishi UFJ Financial Group (consolidated) BS items Up to September 30, 2005: Mitsubishi Tokyo Financial Group (consolidated) + UFJ Holdings (consolidated) (without other adjustments) PL FY2006 H1: Bank of Tokyo-Mitsubishi UFJ (non-consolidated) + Mitsubishi Sum of non- UFJ Trust & Banking Corporation (non-consolidated) (without other items consolidated ※ adjustments) Up to FY2005 H1: Bank of Tokyo-Mitsubishi (non-consolidated) + UFJ Bank (non-consolidated) + Mitsubishi Trust & Banking Corporation (non- consolidated) + UFJ Trust Bank (non-consolidated) (without other adjustments) BS After March 31, 2006: Bank of Tokyo-Mitsubishi UFJ (non-consolidated) + Mitsubishi UFJ Trust & Banking Corporation (non-consolidated) (without items other adjustments) Up to September 30, 2005: Bank of Tokyo-Mitsubishi (non-consolidated) + UFJ Bank (non-consolidated) + Mitsubishi Trust & Banking Corporation (non- consolidated) + UFJ Trust Bank (non-consolidated) (without other adjustments) * Unless specifically stated otherwise figures do not include the separate subsidiaries (UFJ Strategic Partner, UFJ Equity Investments and UFJ Trust Equity). 2
Contents Outline and Strengths of MUFG Approach to Business Challenges � Outline of MUFG 5 � Agenda 18 � Strengths of MUFG 6 � Capital policy 19 � Business strategy of Key Achievements after Merger 23 3 customer divisions � Key achievements after merger 8 � Retail � Public funds fully repaid and � Corporate 9 � Trust assets capital base strengthened � Reorganization of group companies 28 � Further improvement of 10 � Mitsubishi UFJ Securities to be quality of assets a wholly-owned subsidiaries of MUFG � MUFG strengthened as a group 11 � Merger of group leasing affiliates � Promoting integration / Outline of FY 2006 I nterim Results 30 Strengthening internal control � FY2006 H1 summary (P/ L) 13 � I mproving customer satisfaction � FY2006 H1 summary (B/ S) 31 14 (CS) and CSR management � Outline of results by business 15 segments Appendix � FY2006 earnings forecasts 16 � Key initiatives for FY2006 H2 34 3
Outline and Strengths of MUFG Key Achievements after Merger Outline of Fiscal 2006 I nterim Results Approach to Business Challenges 4
Outline of MUFG Market capitalization of Key indices of MUFG * 1 major financial institutions * 4 (Consolidated) (US$ bn) 300 Total assets ¥184.7tn 244 ¥ 86.0tn 240 Loans * 2 250 211 Deposits ¥115.6tn 200 172 162 Capital * 3 ¥13.4tn 138 150 (Net qualifying capital) BI S ratio * 3 11.95% 92 100 81 No. of employees 50 80,079 0 Citi BOA HSBC AIG JPM MUFG Mizuho SMFG FG * 1 As of end Sep.2006 (No. of employees as of end * 4 As of end Sep. 2006 (quoted from Bloomberg) Mar.2006) * 2 Bank a/c ＋ Trust a/c * 3 BIS international standard (preliminary basis) 5
Strengths of MUFG � Aiming to be a premier, comprehensive, global financial group both in quality and volume Mitsubishi UFJ Financial Group Mitsubishi UFJ Financial Group (MUFG) (MUFG) Broad global Healthy financial Comprehensive Strong customer Solid governance network base Group strengths base and trusted Approx. 40 million Repaid all public funds Core of banking, trust management 891 domestic retail and securities + UNBC 、 retail accounts Tier 1 ratio = 6.82% * 2 branches * 1 Governance system Approx. 400,000 investment trusts, credit NPL ratio = 1.43% * 2 420 domestic corporate appropriate for NYSE domestic corporate cards, consumer finance, branches* 1 listed company customers etc. 410 overseas offices* 1 Strengths of MTFG Strengths of UFJ • Branch network in Tokyo metropolitan area and overseas • Chubu and Kansai regional • Business with large companies network and overseas business • Business with SMEs • Business with high net worth • Business with mass retail individuals clients • Healthy financial base • First Japanese bank listed in New York * 1 As of the end of Sep. 2006, sum of bank, trust bank, securities and UBOC. * 2 As of the end of Sep. 2006 (Not including internet branches and agents) Tier1 ratio is preliminary base 6
Outline and Strengths of MUFG Key Achievements after Merger Outline of Fiscal 2006 I nterim Results Approach to Business Challenges 7
Key achievements after merger � Achieved smooth integration （ Completion of Day1 ） � Public funds fully repaid and capital base strengthened � Further improvement of quality of assets � MUFG strengthened as a group � Promotion of growth strategy 8
Public funds fully repaid and capital base strengthened (Consolidated) � Public funds have been fully repaid and capital base strengthened Strengthened capital base Full repayment of public funds (Tier1* 2 comparison) ( ¥bn ) 1,500 10.0% 6.82% 1,000 5.62% 5.50% 5.0% Public fund 1,400.0 preferred shares public funds fully repaid 500 on 820.5 June 06, 2006 504.0 0.0 0.0 0.0% 0 MUFG Mizuho FG SMFG End End End End End Sep.05* 1 Dec.05 Mar.06 June 06 Sep.06 * 2 Data from FY06 H1 financial results of each group * 1 Sum of MTFG and UFJ Holdings at end Sep. 05 Consolidated preliminary base, BIS international standard basis 9
(Sum of non- Further improvement of quality of assets consolidated) � Continued improvement in the quality of assets, NPL ratio declined to 1.43% Balance of FRL disclosed loans * 1 （ ¥tn ） 7 7% 6.16% 6 6% Bankrupt/Substantially bankrupt NPL ratio 5 5% 4 4% 3.33% High risk 3 3% 2.72% 2.07% 2 2% 1.43% 1 1% Close observation 0 0% End Sep. 04 End Mar. 05 End Sep. 05 End Mar. 06 End Sep. 06 * 1 Sum of non-consolidated figures of Bank of Tokyo-Mitsubishi UFJ and Mitsubishi UFJ Trust and Banking for end Sep. 06 and end Mar.06. On or before end Sep. 05, sum of non-consolidated figures of Bank of Tokyo-Mitsubishi, UFJ Bank, The Mitsubishi Trust and Banking, UFJ Trust Bank. Figures for end Sep. 04 include separate subsidiaries. 10
MUFG strengthened as a group Main MUFG companies Mitsubishi UFJ Financial Group Mitsubishi UFJ Financial Group (MUFG) (MUFG) Bank of Mitsubishi UFJ Mitsubishi UFJ Mitsubishi UFJ Bank of Mitsubishi UFJ Mitsubishi UFJ Mitsubishi UFJ Mitsubishi UFJ NI COS * Mitsubishi UFJ NI COS * Tokyo-Mitsubishi UFJ Trust and Banking Lease & Finance * Securities Tokyo-Mitsubishi UFJ Trust and Banking Lease & Finance * Securities Scheduled for Scheduled for Merged Jan 2006 Merged Oct 2005 Merged Oct 2005 merger Apr 2007 merger Apr 2007 Bank of Mitsubishi Mitsubishi Securities UFJ NI COS Diamond Lease Tokyo-Mitsubishi Trust and Banking UFJ Bank UFJ Trust Bank DC Card UFJ Central Leasing UFJ Tsubasa Securities ____________________ * Provisional names. Following the merger, Mitsubishi UFJ NICOS and Mitsubishi UFJ Lease & Finance are scheduled to become a consolidated subsidiary and an equity method affiliate of MUFG. respectively. Other main Group companies Asset Mitsubishi UFJ Asset Management Venture capital Mitsubishi UFJ Capital ／ KOKUSAI Asset Management management ACOM ／ DC Cash One ／ Mobit Consumer finance Factoring Mitsubishi UFJ Factors Research & Mitsubishi UFJ Private banking Mitsubishi UFJ Merrill Lynch PB Securities consulting Research and Consulting Real estate Overseas Mitsubishi UFJ Real Estate Services UnionBanCal 11
Outline and Strengths of MUFG Key Achievements after Merger Outline of Fiscal 2006 I nterim Results Approach to Business Challenges 12
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