Fiscal 2013 I nterim Results Presentation November 20, 2013 0 This - PDF document

Fiscal 2013 I nterim Results Presentation November 20, 2013 0

This document contains forward - looking statements in regard to forecasts, targets and plans of Mitsubishi UFJ Financial Group, I nc. (“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. I n 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 I n 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 Definitions of figures used in this document Consolidated Mitsubishi UFJ Financial Group (consolidated) Bank of Tokyo-Mitsubishi UFJ (non-consolidated) + Mitsubishi UFJ Trust and Banking Non- Corporation (non-consolidated) (without any adjustments) consolidated Bank of Tokyo-Mitsubishi UFJ (consolidated) Commercial bank consolidated 1 1

Contents Outline of FY2013 3 I nterim I nterim Results Results Abenomics and growth strategy and growth strategy Outline of FY201 Abenomics  Abenomics(1)~ (4)  FY2013 I nterim key points 25 4  Growth strategy  FY2013 financial targets 29 5  Global strategy  FY2013 H1 summary (I ncome statement) 30 6  Progress Update: Share acquisition of  FY2013 H1 summary (I ncome statement) 31 7 Bank of Ayudhya supplementary explanation  Strategic significance of Bank of Ayudhya  Outline of results by business segment 32 8  Retail (1) ~ (2) 9  Asia strategy  Corporate 34 10  Americas strategy(1)~ (3)  Global 36 11  Global strategic alliance with Morgan  Trust Assets 39 12  FY2013 H1 summary (Balance sheets) Stanley 13  Consumer finance  Loans/ Deposits 40 14  Domestic deposit/ lending rates 15 Governance Governance  Domestic and overseas lending 16  Loan assets 17  Enhancement of governance 42  Holdings of investment securities 18  Japanese government bonds 19 Capital policy Capital policy  Expenses/ Equity holdings 20  Capital 21  Enhance further shareholder returns 44  Mitsubishi UFJ Securities Holdings 22  Efficient use of capital 45  Consumer finance 23  Capital policy 46  Our vision 47 Appendix Appendix 2 2

Outline of FY2013 I nterim Results 3 3

FY2013 I nterim key points  Net income was ¥530.2 bn (EPS ¥36.82). * 1 1 Breakdown of net income Breakdown of net income * Exceeded net income target substantially  Achieved 69.7% of initial full year net income target of FY13 (¥bn) ¥760.0 bn H1 Other Morgan 530.2 44.2  Subsidiaries also performed well resulting in difference Stanley between consolidated and non-consolidated net income 50.9 of ¥197.6 bn Acom MUN MUSHD 11.4 6.3 63.1  Steady progress on each initiative of 4,000 UNBC MUTB Consolidated/non- medium-term business plan 21.3 62.6 consolidated difference 197.6  Customer segments grew profits BTMU 269.9  Domestic corporate loan balance bottomed out. Strong profits from domestic investment banking, investment product sales 2,000 Non-Consolidated  Strong expansion in overseas business, steady increase 332.5 in loan balance  Progress with non-organic growth strategy ・ Addition of VentinBank (Vietnam) as equity method subsidiary (May 13) ・ Acquisition of US commercial real estate financing 0 business by UNBC (Jun 13) * 1 The above figures take into consideration the percentage holding in each subsidiary (after-tax basis) ・ Announcement of aiming investment in bank of Ayudhya, Thailand (July 13); start of voluntary tender FY12 H1 FY13 H1 Change offer (Nov 13) EPS (¥) 19.90 36.82 16.92 Dividend per common stock (¥) 6 7 1  Upward revision to our full FY13 net BPS (¥) 690.51 852.06 161.55 income target Consolidated ROE (%) 6.14 10.03 3.89 4  Consolidated net income was 530.2 billion yen, well over our 360.0 billion yen target.  As shown in the chart on the right, our subsidiaries reported steady earnings growth, most notably Union Bank, Mitsubishi UFJ Securities Holdings, and Mitsubishi UFJ NICOS. This led to a 197.6 billion yen difference between consolidated and non-consolidated net income.  The fiscal 2013 interim settlement marks the halfway point of our medium- term business plan. Our initiatives under this plan are beginning to produce concrete results, in particular our success in growing net operating profits in all of our customer facing segments. In Japan, the Corporate Banking Business Group recorded a strong advance in investment banking earnings deriving from cross-border M&A, IPOs and public offerings. Also, an improvement in the stock market supported earnings growth in our Retail segment, with the advance there centered on sales of investment products.  Looking at overseas business, we were able to steadily expand our business, tapping into growth in Asia, the Americas and other regions to sustain the growth of our lending balance. As for progress with our non-organic growth strategy, we made VietinBank (Vietnam) an equity method subsidiary in May, UNBC completed the acquisition of a US commercial real estate financing business in June, and in July, we announced our intent to acquire Bank of Ayudhya (Thailand), for which we are currently conducting a tender offer. 4

(Consolidated FY2013 financial targets / Non-consolidated)  Consolidated net income in FY13 H1 was ¥530.2 bn, against FY13 original full-year target of ¥760.0 bn  Following good interim results, revise full year targets upward to ¥910.0 bn < Financial targets> FY12 FY13 < Consolidated> Change from Interim Full Year Interim Full Year original (Results) （ Results ） (Results) （ Targets ） 1 Ordinary profits ¥570.0 bn ¥1,344.1 bn ¥850.4 bn ¥1,530.0 bn ¥260.0 bn 2 Net income ¥290.4 bn ¥852.6 bn ¥530.2 bn ¥910.0 bn ¥150.0 bn 3 Total credit costs* 1 (¥62.2 bn) (¥115.6 bn) ¥25.7 bn (¥20.0 bn) ¥130.0 bn < Non-consolidated> 4 Net business profits ¥649.5 bn ¥1,163.8 bn ¥489.5 bn ¥1,020.0 bn Unchanged 5 Ordinary profits ¥373.3 bn ¥997.2 bn ¥542.3 bn ¥1,020.0 bn ¥145.0 bn 6 Net income ¥211.1 bn ¥710.2 bn ¥332.5 bn ¥615.0 bn ¥70.0 bn Total credit costs* 1 7 (¥28.5 bn) (¥65.3 bn) ¥44.4 bn ¥10.0 bn ¥100.0 bn * 1 Total credit costs include gains on loans written-off. Bracket represents cost 5  Our consolidated net income for the interim period of 530.2 billion yen corresponds to 69.7% of our initial full-year target of 760.0 billion yen. Considering this better-than-expected interim result, we have upwardly revised our full-year consolidated net income target to 910.0 billion yen. 5