Mitsubishi UFJ Financial Group Summary of 3rd Quarter Results of Fiscal Year Ending March 2010 （ From April 2009 to December 2009) February 3, 2010
Agenda � Statement of operations summary 2 � Balance sheet summary 3 � Loans/ deposits 4 � Loan assets 5 � I nvestment securities 6 � Securitized products 7 � Appendix 8 Definitions of figures used in this document Consolidated Mitsubishi UFJ Financial Group (consolidated) Non- Bank of Tokyo-Mitsubishi UFJ (non-consolidated) + Mitsubishi UFJ Trust and Banking consolidated Corporation (non-consolidated) (without other adjustments) 1
Statement of operations summary (Consolidated) I ncome statement (¥bn) FY08 FY09 excluding Q1-Q3 Q1-Q3 Change � Net business profits ACOM Gross profits (before credit costs 1 2,492.8 2,689.8 196.9 13.7 � Net interest income increased due to higher for trust accounts) 2 Net interest income 1,410.1 1,651.1 241.0 75.6 lending income, market product income and Trust fees ＋ Net fees and a consolidation of ACOM 3 815.8 793.4 (22.3) - commissions � G&A expenses decreased due to an intensive Net trading profits ＋ Net other 4 266.9 245.2 (21.6) - business profits corporate-wide cost reduction as well as the Net gains (losses) on debt effect of the system integration 5 79.6 63.0 (16.5) - securities � As a result, net business profits significantly 6 G&A expenses 1,572.9 1,564.0 (8.9) (79.3) 7 Net business profits 919.8 1,125.8 205.9 93.0 increased Credit costs * 1 8 (434.4) (627.7) (193.3) - Even excluding impact from the consolidation Net gains (losses) on equity of ACOM, net business profits increased by 9 (326.3) (20.0) 306.2 - securities ¥93.0bn Other non-recurring gains 10 (45.2) (121.9) (76.7) - （ losses) � Total credit costs 11 Ordinary profits 113.9 356.0 242.1 - � Consolidated credit costs increased due to 12 Net extraordinary gains (losses) (3.2) 8.9 12.2 - Total of income taxes-current and higher credit costs from our overseas subsidiary 13 90.3 98.6 8.2 - income taxes-deferred and the consolidation of ACOM （ 42.0 ） 14 Net income 217.0 259.1 261.3 Non-consolidated credit costs almost flat （ 433.5 ） （ 627.7 ） （ 194.2 ） Total credit costs * 2 15 (93.7) � Net gains (losses) on equity 16 (Non-consolidated) (291.6) (313.7) (22.0) - securities * 1 Credit costs= Credit costs for trust accounts + Provision for general allowance for credit losses + Credit costs (included in non-recurring gains/losses) � Net losses on equity securities significantly (Negative numbers refer to costs or losses) * 2 Total credit costs= Credit costs + Reversal of reserve for contingent losses included in credit decreased mainly due to decrease in write- costs (Negative numbers refer to costs or losses) Reference (¥) down of equity securities 17 EPS (4.36) 17.47 21.84 � Other non-recurring gains (losses) ROE * 3 18 (0.98%) 3.63% 4.62% * 3 � Other non-recurring losses increased mainly Net income for nine months × 4/3 － Equivalent of annual dividends on nonconvertible preferred stocks × 100 { （ Total shareholder ’ equity at the beginning of the period － Number of nonconvertible preferred shares at due to higher retirement benefit costs the beginning of the period × Issue price ＋ Foreign currency translation adjustments at the beginning of the period) ＋ (Total shareholder’ equity at the end of the period － Number of nonconvertible preferred shares at 2 the end of the period × Issue price ＋ Foreign currency translation adjustments at the end of the period)} /2
Balance sheet summary (Consolidated) Balance sheet (¥bn) � Loans End Sep. 09 End Dec. 09 Change from � Decreased from End Sep. 09 due to lower End Sep. 09 overseas loans and exclusion of The Senshu Bank 88,207.2 Loans (Banking+ Trust accounts) 85,559.3 (2,647.9) 1 [85,392.5] [(2,639.5)] Loans (Banking accounts) [88,032.0] from consolidation. Domestic loan almost flat � I nvestment securities Domestic corporate loans * 1 2 48,113.1 48,081.1 (32.0) � Significantly decreased from End Sep. 09 mainly Housing loans * 1 3 17,301.5 17,326.4 24.8 due to JGBs and Foreign bonds Overseas loans * 2 4 17,500.9 16,871.2 (629.6) � Deposits Investment securities 5 57,384.3 54,155.5 (3,228.8) (Banking accounts) � Decreased from End Sep. 09 due to lower 6 Deposits 122,043.7 119,124.7 (2,918.9) deposits from overseas branches and exclusion Individual deposits of The Senshu Bank from consolidation, while 7 (Domestic branches, 62,844.4 63,737.3 892.8 Individual deposits significantly increased Non-consolidated) � NPLs FY09 H1 Loan-and-deposit rate margin FY09 Q1-Q3 8 � NPL ratio up slightly from End Sep. 09 as a (Non-consolidated) 1.33% （ 0.00% ） 1.34% result of increase in FRL disclosed loans, but keeping a low level FRL disclosed loans * 1 9 1,245.9 1,339.0 93.1 � Net unrealized gains (losses) on NPL ratio * 1 10 1.38% 1.48% 0.10% Net unrealized gains (losses) securities available for sale 11 414.8 528.7 113.8 on securities available for sale � Improved from End Sep. 09 mainly due to improvement of appraisal losses on other * 1 Non-consolidated + trust accounts * 2 Loans booked in overseas branches, UnionBanCal Corporation and BTMU (China) securities, such as securitized products 3
Loans/ deposits (Consolidated) Consolidated Loans (¥tn) (End period balance) * 2 � Loan balance ¥85.5tn (down ¥2.6tn from end Sep. 09) 92.2 100 90.6 88.7 88.2 85.5 Changes from end Sep. 09: 55.4 52.9 53.7 53.4 51.3 � Domestic corporate -¥0.0tn 50 � Overseas * 1 -¥0.6tn 20.4 19.4 17.6 17.5 16.8 � Exclusion of The Senshu Bank -¥1.7tn 17.3 17.2 17.3 17.3 17.3 from consolidation 0 End Mar. 08 End Sep. 08 End Mar. 09 End Sep. 09 End Dec. 09 Housing loan Overseas Others * 1 Overseas branches + UnionBanCal Corporation + BTMU (China) * 2 Sum of banking and trust accounts Consolidated Deposits (¥tn) � Deposits balance ¥119.1tn (End period balance) 150 (down ¥2.9tn from end Sep. 09) 121.3 122.0 119.7 120.1 119.1 16.0 19.1 18.9 15.7 18.1 Changes from end Sep. 09: 100 41.2 39.6 � I ndividual 39.7 39.0 40.0 + ¥0.8tn � Corporate, etc. -¥0.3tn 50 � Overseas branches -¥1.0tn 63.7 62.5 62.6 62.8 62.8 � Exclusion of The Senshu Bank -¥1.9tn 0 from consolidation End Mar. 08 End Sep. 08 End Mar. 09 End Sep. 09 End Dec. 09 Individual Domestic corporate, etc Overseas branches & subsidiaries, etc. 4
Loan assets (Consolidated/ Non-consolidated) � NPL ratio up by 0.10% from the end of Sep. 09 to 1.48% due to increase in Doubtful and Special attention category loans � Total credit costs showed an expense of ¥313.7bn on non-consolidated basis and ¥627.7bn on consolidated basis Balance of FRL disclosed loans Total credit costs (Non-consolidated) \ (¥ bn) ( tn) 2.07% Consolidated 2.0 50 Non-consolidated 1.82 NPL ratio 0.15 1.48% 1.46% (50) 1.38% (86.2) 1.24% 1.5 1.15% (186.7) 1.33 1.32 (291.6) (150) (313.7) 1.24 0.74 Bankrupt/ 0.11 1.18 0.20 De fact (390.1) 1.05 0.22 Bankrupt (250) 0.24 1.0 0.11 0.64 (301.6) Doubtful (350) (334.4) 0.77 0.55 0.73 0.65 (450) 0.5 Due to the 0.92 (433.5) consolidation of Special ACOM 0.56 attention (550) 0.38 0.36 (100.4) 0.29 0.28 0.0 (608.4) (650) (627.7) End End End End End End Q1-Q3 Full Q1-Q3 Full Q1-Q3 Mar. 06 Mar. 07 Mar. 08 Mar. 09 Sep. 09 Dec. 09 year year FY07 FY08 FY09 5
I nvestment securities ( Consolidated ) � Total unrealized gains on securities available for sale increased by ¥113.8bn from End Sep. 09 due to improvement of unrealized gains (losses) on domestic bonds and other securities Breakdown of available-for-sale Unrealized gains (losses) on securities (with market value) available-for-sale securities (¥bn) \ Balance Unrealized gains ( tn) Others (End (losses) Dec.09) Domestic bonds Change Domestic equity from End 1.0 Sep. 09 Total 47,507.1 528.7 113.8 1.37 0.16 0.12 Domestic equity 4,184.6 489.0 12.2 0.86 securities 0.48 0.47 (0.00) (0.01) Domestic bonds 31,473.1 167.8 43.5 0.0 (0.17) (0.12) (0.18) 11,849.3 (128.1) 58.0 Others (0.36) (0.03) Foreign equity 279.9 70.5 6.8 (0.85) securities (0.69) Foreign bonds 9,606.5 16.8 (44.3) (1.0) Other 1,962.8 (215.4) 95.5 End Mar. 08 End Sep. 08 End Mar. 09 End Sep. 09 End Dec. 09 TOPIX: 1,212.96 1,087.41 773.66 909.84 907.59 JGB(10y): 1.29 ％ 1.28% 1.48% 1.34% 1.30% 6
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