Mitsubishi UFJ Financial Group Fiscal Year 2005 Results Presentation Databook June 15, 2006 DB0
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. DB1
Definitions of figures used in this document FY2005: Mitsubishi UFJ Financial Group (consolidated) + UFJ Holdings (consolidated, April-September) (without PL other adjustments) items Up to FY2004: Mitsubishi Tokyo Financial Group (consolidated) + UFJ Holdings (consolidated) (without other adjustments) Consolidated March 31, 2006: Mitsubishi UFJ Financial Group (consolidated) BS Up to September 30, 2005: Mitsubishi Tokyo Financial Group (consolidated) + UFJ Holdings (consolidated) (without items other adjustments) FY2005: Bank of Tokyo-Mitsubishi UFJ (non-consolidated) + UFJ Bank (non-consolidated, April-December) + PL Mitsubishi UFJ Trust & Banking Corporation (non-consolidated) + UFJ Trust Bank (non-consolidated, April- items September) (without other adjustments) Up to FY2004: Bank of Tokyo-Mitsubishi (non-consolidated) + UFJ Bank (non-consolidated) + Mitsubishi Trust & Sum of non- Banking Corporation (non-consolidated) + UFJ Trust Bank (non-consolidated) (without other adjustments) consolidated * March 31, 2006: Bank of Tokyo-Mitsubishi UFJ (non-consolidated) + Mitsubishi UFJ Trust & Banking Corporation BS (non-consolidated) (without other adjustments) items 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) FY2005: Bank of Tokyo-Mitsubishi UFJ (non-consolidated) + UFJ Bank (non-consolidated, April-December) (without PL other adjustments) items Up to FY2004: Bank of Tokyo-Mitsubishi (non-consolidated) + UFJ Bank (non-consolidated) (without other Commercial adjustments) bank * March 31, 2006: Bank of Tokyo-Mitsubishi UFJ (non-consolidated) BS Up to September 30, 2005: Bank of Tokyo-Mitsubishi (non-consolidated) + UFJ Bank (non-consolidated) (without Items other adjustments) FY2005: Mitsubishi UFJ Trust & Banking Corporation (non-consolidated) + UFJ Trust Bank (non-consolidated, April- PL September) (without other adjustments) items Up to FY2004: Mitsubishi Trust & Banking Corporation (non-consolidated) + UFJ Trust Bank (non-consolidated) Trust bank * (without other adjustments) March 31, 2006: Mitsubishi UFJ Trust & Banking Corporation (non-consolidated) BS Up to September 30, 2005: Mitsubishi Trust & Banking Corporation (non-consolidated) + UFJ Trust Bank (non- items consolidated) (without other adjustments) * Unless specifically stated otherwise, figures include the separate subsidiaries (UFJ Strategic Partner, UFJ Equity Investments and UFJ Trust Equity) (Aggregate figures after adjusting inter-company transactions between the 2 banks and these separate subsidiaries). DB2
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Agenda � Corporate (Asia business) 40 Outline of FY05 Results � Corporate overseas strategy 41 � I ncome statement � Trust Assets (Gross profits/ Net operating profits) 42 6 � Net interest income � Trust Assets (Pensions Business) 43 10 � Trust Assets (I nvestment trust business) � Source and use of funds 44 12 � Trust Assets (Custody business) � Non-interest income 45 14 � General and administrative expenses 16 Assets and Capital � Non-recurring gains/ losses and Special gains/ losses 17 � Credit related costs 47 � Assets and liabilities 18 � Disclosed claims under FRL 48 � Mitsubishi UFJ Securities 19 � Reserves and secured coverage 49 � UnionBanCal Corporation 20 � Reserve ratios 50 � UFJ NI COS 21 � I nvestment securities portfolio 51 � DC Card 22 � Capital ratios 52 � Consumer finance 23 � Deferred tax assets 53 � Leasing 24 � Acquired assets and liabilities 54 � Factoring 25 relating to merger � Asset management 26 � Online securities 27 Reference Business Segment I nformation � Basel I I (new BI S regulations) 56 � I nternal control over financial reporting 57 � Profit by business segment 29 � Exposures by country 58 � Retail (Gross profits/ Net operating profits) 30 � Major subsidiaries and affiliates 60 � Retail (I nvestment products) 31 � Shares (Common and Preferred stock) 62 � Retail (Housing loans) 32 � Preferred securities 63 � Retail (Consumer finance) 33 � History of repayment of public funds 64 � Retail (I nheritance/ Real estate) 34 � Shareholder structure 65 � Corporate (Gross profits/ Net operating profits) 35 � Benefit of rising interest rates 66 � Corporate (SME business) 36 � FY06 forecasts (commercial bank and � Corporate (Settlement business) 37 trust bank) 67 � Corporate (I nvestment banking – domestic) 38 � Comparison with other Japanese financial 68 � Corporate (Real estate business) 39 groups � Robust network of group companies 69 DB4
Outline of Fiscal 2005 Results Business Segment I nformation Assets and Capital Reference DB5
I ncome statement 1 Consolidated \ ( bn) FY04 FY05 Change Net special gains 324.4 634.2 309.7 Gross profits 3,401.9 3,609.9 208.0 77.0 100.8 23.7 Gains on loans charged-off (4) 1,812.3 1,857.9 45.5 Net interest income 216.8 608.9 392.1 Reversal of allowance for loan losses (5) 152.1 146.6 (5.5) Trust fees (5.0) (43.7) (38.6) Losses on impairment of fixed assets (12.1) (0.9) 11.2 Credit costs for trust accounts (1) 420.9 2,067.5 1,646.6 Income before income taxes and others 924.8 1,099.7 174.8 Net fees and commissions 87.1 140.9 53.8 Income taxes-current Net trading profits 179.2 161.5 (17.6) 489.0 645.3 156.3 Income taxes-deferred 333.3 344.1 10.7 60.7 99.3 38.6 Net other business income Minority interest Net income (loss) 104.8 (29.4) (134.3) (216.1) 1,181.7 1,397.8 Net gains (losses) on debt securities General and administrative expenses 1,697.7 1,925.3 227.5 Net business profits before credit costs for trust accounts (1,075.5) 389.7 1,465.2 Total credit costs (1)+ (2)+ (3)+ (5) 1,716.3 1,685.5 (30.7) and provision for formula allowance for loan losses (998.4) 490.5 1,489.0 Total credit costs + Gains on loans charged-off (1)+ (2)+ (3)+ (4)+ (5) Provision for formula allowance for loan losses (2) - - - Net business profits 1,704.1 1,684.6 (19.5) 246 248 2 Number of consolidated subsidiaries Net non-recurring gains (losses) (1,607.7) (251.3) 1,356.3 Numbers of affiliated companies accounted for by the equity method 51 42 (9) (1,280.1) (218.2) 1,061.8 Credit related costs (3) (638.6) (153.7) 484.9 Losses on loan charge-offs - - - Provision for specific allowance for loan losses (641.5) (64.5) 576.9 Other credit related costs Net gains (losses) on equity securities (177.0) 60.9 237.9 Gains on sales of equity securities 266.1 122.7 (143.3) (58.3) (26.1) 32.1 Losses on sales of equity securities (384.8) (35.7) 349.1 Losses on write down of equity securities 21.6 20.2 (1.4) Equity in profit of affiliates (172.1) (114.2) 57.9 Other 96.4 1,433.3 1,336.8 Ordinary profit DB6
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