CSR Report 2013 Highlights Edition Corporate Social Responsibility Report 2013

MUFG2013 ハイライト英語版 _ 表紙（H01-04）

Mitsubishi UFJ Financial Group

The Mitsubishi UFJ Financial Group has launched a Facebook page focused on our CSR activities. Please check us out and don't forget to Like us! www.facebook.com/MUFG.CSR

The Bank of Tokyo-Mitsubishi UFJ sup- This report has obtained Color Universal Design Orga- ports Education for Sustainable Develop- nization (CUD) certification. CUD is based on the ment (ESD), a global initiative to include universal design approach, which aims to create publi- key sustainable development issues in cations that are easy to view and read by as many teaching and learning. persons as possible.

2013年 Paper contains Forest Stew- Printed using a waterless offset lithographic process that 取得認証が ardship Council®-certified reduces environmental impacts, and vegetable-based inks 入ります wood. free of volatile organic compounds (VOCs).

(Issued December 2013)

Mitsubishi UFJ Financial Group, Inc. Mitsubishi UFJ Financial Group's CSR Theme Song CSR Promotion Division Our concept for corporate social responsibility is “Hope, for tomorrow.” 2-7-1, Marunouchi, Chiyoda-ku, Tokyo 100-8330, Japan Our theme song was created to bring our message and passion for our Tel: +81-3-3240-8111 Fax: +81-3-3240-6631 initiatives to even more people. www.mufg.jp/english Title: Ima wo Ikite, by Aoi Teshima MUFG2013 ハイライト英語版 _ 中面（P01-02）

Table of Contents

02 Message from the CEO 03 Corporate Vision and Principles of Ethics and Conduct We will work to fulfill our inherent

05 Corporate Vision and Our CSR mission in society as a financial group 06 MUFG's Approach to CSR and to contribute to the realization 07 Customer Focus of a sustainable society. 11 Priority Theme: Addressing Global Environmental Issues Corporate Customers I would like to express my appreciation to readers for their interest in MUFG. 17 Priority Theme: Addressing Global It is with pride that I present the Mitsubishi UFJ Financial Group's Corporate Social Environmental Issues Responsibility Report 2013, which describes our principles and initiatives relating to CSR. Individual Customers I invite you to review these pages. 21 Priority Theme: While our Corporate Vision guides all activities carried out by MUFG companies, Nurturing Society's Next Generation in 2012 we created new Principles of Ethics and Conduct to serve as a behavioral standard for all Group directors and employees. Ethical and Dynamic Workplace 25 The Corporate Vision and Principles of Ethics and Conduct 27 Supporting Areas Affected by Disasters will underpin all Group CSR activities as well. The priority themes for MUFG's CSR activities are MUFG Profile 29 "Addressing Global Environmental Issues" and 32 Participation in Initiatives "Nurturing Society's Next Generation"—themes that were selected from the perspective of contributing to the resolution of the most important issues of society as a whole. About This Report MUFG is a comprehensive financial group with Mitsubishi UFJ Under the first theme, we have sought to use the financial functions Financial Group, Inc. (MUFG) as its holding company. of MUFG as we strive to provide products and services MUFG's business depends on the support of our many stakehold- that contribute to a reduction in environmental impacts. ers (shareholders, customers, business partners, employees, Under the second theme, we have focused our social contribution global and local communities, and the environment). This "Corporate Social Responsibility Report 2013 (Highlights on employee participation in activities Edition)" was prepared to communicate to our customers and as members of the local community and society. business partners around the world the highlights of the CSR activities carried out by MUFG mainly in FY 2012. Going forward, all executives and employees will work together Note: For more details about these activities, please refer to the Full to fulfill our core mission in society as a financial group, Edition of the "Corporate Social Responsibility Report 2013" (PDF file) and contribute, through the provision of capital and other services, on the following website. www.mufg.jp/english/csr/csrreport/ to the sustained growth of Japan and the world. We welcome your continued support.

Nobuyuki Hirano President & CEO Mitsubishi UFJ Financial Group September 2013 Corporate Social Responsibility Report 2013 Full Edition (PDF)

MUFG and the Mitsubishi UFJ Environment Foundation, in collaboration with the National Federation of UNESCO Associations in Japan, are engaged in an environmental education project, named "Save Our Common Treasures of the Earth." See pages 21-22 for more about this project. http://www.unesco-esd.jp/ (in Japanese)

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Table of Contents

02 Message from the CEO 03 Corporate Vision and Principles of Ethics and Conduct We will work to fulfill our inherent

Nobuyuki Hirano President & CEO Mitsubishi UFJ Financial Group September 2013 Corporate Social Responsibility Report 2013 Full Edition (PDF)

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Corporate Vision and Principles of Ethics and Conduct

Corporate Vision In December 2012, MUFG created new Principles of Ethics and Conduct to provide Group directors and employees with a standard for conducting themselves in ways that embody the Corporate Vision in their daily work. OUR MISSION To be a foundation of strength, committed to meeting the needs of our customers, serving society, and fostering shared and sustainable growth for a better world.

Principles of Ethics and Conduct OUR VISION

－Be the world’s most trusted financial group－ Chapter 1 Customer Focus 2-1. Adherence to Laws and Regulations We place our diverse customers at the center of all our We always judge and act with honesty and integrity, 1. Work together to exceed the expectations of our customers activities and always act in their best interests. MUFG do what is right, and comply with both the letter and is able to thrive today because of the trust and confi- the spirit of the laws, regulations, and rules that Strive to understand and respond to the diversified needs of our customers. dence that customers have placed in us—the result of apply to us. We avoid insider trading, do not engage Maintain and expect the highest levels of professionalism and expertise, years of fair, transparent, and honorable dealings. Our in anti-competitive conduct or any form of corrupt supported by our consolidated strength. business culture is not driven by the prospect of short- activity, and publicly disclose corporate information in term, immediate gains. Instead, we place a premium an appropriate manner. 2. Provide reliable and constant support to our customers on supporting long-term, sustainable relationships with 2-2. Combating Criminal Activity Give the highest priority to protecting the interests of our customers. our customers to help them meet their goals. We do not conduct business with criminal elements. Promote healthy, sustainable economic growth. 1-1. Acting with Honesty and Integrity We do not allow our financial products and services to Maintain a robust organization that is effective, professional, and responsive. We always place our diverse customers at the center be used for illegal or improper activities such as money of all activities and act with honesty and integrity in laundering, fraud, or financing terrorist activities. 3. Expand and strengthen our global presence all of our dealings with them. We protect customer 2-3. Commitment to Social Sustainability assets, including their personal information, and We respect the history, culture, and customs of local Leverage our strengths and capabilities to attract a loyal global customer base. strive at all times not to damage their interests. communities and strive to contribute to their devel- Adapt rapidly to changes in the global economy 1-2. Controlling Quality opment and the protection of the environment and their impact on the needs of our customers. In order to earn the lasting trust and confidence of through our corporate activities and employee volun- our customers, we maintain thorough quality control teer efforts. of our products and services in all aspects from prod- OUR VALUES uct design and development to delivery, and continu- Chapter 3 Ethical and Dynamic Workplace ally improve our processes to provide accurate and We are committed to creating a working environ- 1. Integrity and Responsibility secure transactions. ment that fosters mutual respect among MUFG em- Strive to be fair, transparent, and honest. 1-3. Exceeding Customer Expectations ployees, supports the full expression of our individu- Always act responsibly in the best interest of customers and society as a whole, We strive to satisfy the diverse needs of our custom- ality as professionals, promotes the power of team- building long-term stakeholder relationships and giving back to our communities. ers worldwide and to exceed their expectations work, honors diversity, transcends differences, and through the highest standards of professionalism and embraces new challenges. 2. Professionalism and Teamwork by effectively leveraging our global network and con- 3-1. Stimulating Workplace solidated strength. We strive to enhance our knowledge and expertise, Respect the diversity of our fellow workers and foster a strong spirit of teamwork. focus on maximizing the value of teamwork, and Expect the highest levels of professionalism. Chapter 2 Responsibility as a Corporate Citizen view changes in the business environment as oppor- As a member of MUFG with global operations, we act tunities to launch new initiatives. 3. Challenge Ourselves to Grow honorably, with honesty and integrity, and comply at all 3-2. Ethical Workplace Adopt a global perspective to anticipate trends and opportunities for growth. times with laws, regulations, rules, and internal policies We respect the diversity and human rights of all Create and sustain a responsive and dynamic workplace where everyone can focus on globally. We strive to maintain stability and confidence MUFG employees. We do not engage in or tolerate providing outstanding customer service and embrace new challenges. in the global financial system and to contribute to the discrimination, harassment, intimidation, or any other sound growth and development of society. We behave behavior or activity that is inconsistent with these in a manner that supports and strengthens the trust core beliefs. We report any violations of laws and and confidence that MUFG has built up over the years. rules, and we manage corporate assets appropriately.

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Corporate Vision and Principles of Ethics and Conduct

Principles of Ethics and Conduct OUR VISION

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Corporate Vision and Our CSR

Values-based Framework for Promoting CSR Activities

The Corporate Vision serves as the basic policy in conducting business activities, and provides guidelines for all group activities. The Principles of Ethics and Conduct provide Group directors and employ- Be the world's most ees with a standard for conducting themselves in ways that embody the Corporate Vision in their daily work. The Corporate Vision and Principles of Ethics and Conduct underpin all Group CSR activities as trusted financial group well.

Corporate Vision Supporting our customers' continued success

Our Mission with our individual and combined strengths

Our Vision

Our Values

Principles of Ethics and Conduct MUFG's Approach to CSR

Chapter 1 Chapter 2 Chapter 3 Customer Focus Customer Responsibility Ethical and Focus as a Corporate Dynamic Efforts to Boost Customer Satisfaction Citizen Workplace Corporate Customers How we act to realize the vision Priority Theme: Addressing Global Environmental Issues

Individual Customers Priority Theme: Addressing Global Group CSR Priority Themes Environmental Issues Across MUFG, we have adopted Addressing Global Environmental Issues and Nurturing Society's Next Generation as the two priority themes for our CSR activities. Next Generation Priority Theme: Nurturing Society's Next Generation Nurturing Society's Next Generation Addressing Global Nurture the next generation who will Environmental Issues address issues like global environmental Focus on global warming, biodiversity problems and poverty on a global scale, and other global environmental issues. as well as domestic problems in Japan such as low population growth, the aging of society, and local and regional issues.

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Corporate Vision and Our CSR

Values-based Framework for Promoting CSR Activities

Corporate Vision Supporting our customers' continued success

Our Mission with our individual and combined strengths

Our Vision

Our Values

Principles of Ethics and Conduct MUFG's Approach to CSR

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Customer Focus

Efforts to Boost Customer Satisfaction

Taking the Customer's Our Approach: Reflecting 1 Perspective 2 Customer Views To exceed the expectations of To build enduring relationships of trust with customers, all We treat customers' input and requests as a valuable MUFG companies strive to manage quality in every busi- resource that helps us to provide higher-quality services. our customers… nesses process based on the Principles of Ethics and Con- We seriously confront the issues that are the root cause duct—from planning and development to delivery and of customer feedback and requests, and we use this after-sales servicing of products and services. All group feedback to improve our products and services. Each employees, not just those at each local branch office but MUFG company has a formal system for ensuring that those in the head office as well, approach their daily work customer feedback does not go to waste, but rather is with the customer's perspective in mind, always cogni- used in our pursuit of maximizing customer satisfaction zant of how customers might perceive and respond to (CS). their work, and in so doing look for ways to do their jobs better. The Bank of Tokyo-Mitsubishi UFJ The Bank of Tokyo-Mitsubishi UFJ (BTMU) has created a — Our Approach four-point checklist to make sure that adequate measures are being taken to consider the customer's perspective. Customers Feedback As a candid assessment of our business performance, customer feedback is like a mirror reflecting back at us a true image of ourselves. We use this feedback to remain focused on providing products and services that exceed customer expectations. Japanese Financial Call Branches Postcards Websites Bankers Services centers Association Agency Four-Point Checklist for Customer-Centric Products and Services The Bank of Tokyo-Mitsubishi UFJ Tokyo-Mitsubishi of Bank The 1 Accurately meets customer needs CSR Promotion Division Pros and cons have been clearly laid out Collect and analyze customer views 2 for the customer, and cons, if any, have Reports been properly explained Customer satisfaction All efforts have been made to make Each department surveys Improved products & services; the product easily understandable, enhanced business processes; 3 including the provision of advertising and employee training; etc. information on comparisons with similar products Reports

and desires and changing our products and services for the better. Create products and services from PDCA Cycle customer's perspective 3 Work together to exceed Prepare system customer expectations To improve the quality of products, Plan services, and other aspects of our work, we follow a PDCA cycle that starts with customers' voice. Review by Improving Product and Provide higher-quality management Act Do products and services Service Quality

Check Employee training, etc.

Evaluation from customers

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Customer Focus

Efforts to Boost Customer Satisfaction

All actions have been taken to prevent Management CSR Promotion customer complaints from occurring, Committee for Verify Committee improvements 4 and measures for responding quickly Customer Protection We think and act with customers first in mind. to complaints have been prepared in the event of their occurrence All of us at MUFG are working together to deliver quality that exceeds customer expectations. Doing so requires staying on top of their diversified needs, hopes, and desires and changing our products and services for the better. Create products and services from PDCA Cycle customer's perspective 3 Work together to exceed Prepare system customer expectations To improve the quality of products, Plan services, and other aspects of our work, we follow a PDCA cycle that starts with customers' voice. Review by Improving Product and Provide higher-quality management Act Do products and services Service Quality

Check Employee training, etc.

Evaluation from customers

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Customer Focus

Efforts to Boost Customer Satisfaction

revamped its website so it can share information with Photo 3: A liaison meeting of CS Leaders Satisfied Somewhat satisfied Not sure Somewhat dissatisfied customers more quickly and in a way that is easier to Dissatisfied/No response understand. And in Japan, Mitsubishi UFJ NICOS (MUN) added Japanese characters to the expiration date on its The Bank of Tokyo-Mitsubishi UFJ % credit cards to assist customers who were having diffi- 35.8 31.7 27.3 culty understanding the English-only notation. (Photo 1) 3.4 To help senior citizens, customers with disabilities, and Mitsubishi UFJ Trust and Banking 1.8 others use our branches safely and with peace of mind, 25.4 45.6 22.6 BTMU, MUTB, and MUMSS installed automated external 4.4 defibrillators (AEDs) at all branch offices and train employ- Mitsubishi UFJ Morgan Stanley Securities 2.0 ees to respond appropriately when customers are in 17.6 35.3 30.5 need. (Photo 2) Photo 4: A CS training session 11.8 To deliver services that exceed customer expectations, Mitsubishi UFJ NICOS 4.8 MUFG companies also offer employees various training 22.6 42.4 29.1 Committed to building customer trust opportunities so they can acquire better communication 5.4 skills and suggest the services that customers need and 0.5 All of us at MUFG approach our daily work with the hope Results of Customer Satisfaction Surveys want most. of being a source of service and satisfaction to our cus- (Conducted in October and November 2012) Employees at BTMU undergo customer service training in tomers. We remain committed to building enduring rela- which they practice taking customer inquiries and making tionships with customers through sincere communication. recommendations in a role-playing scenario and then watch a video of their performance to gain a more objec- tive perspective. Emi Tsuchida Nagoya Branch Mitsubishi UFJ Trust and Banking

Through group training sessions, young MUFG employ- One of the unique services provided by MUTB is helping customers ees learn about initiatives aimed at executing the Corpo- decide how they want to distribute rate Vision, as well as the importance of specialization, their property after death and writing it all down in a legal teamwork, and understanding the customer's perspec- document called a will. My job is to listen to the personal Photo 1: tive, and use this newfound knowledge to further improve wishes of the customer—wishes that sometimes have not Basic NICOS card customer satisfaction (CS). even been divulged to other family members—and, by with Japanese notation BTMU and MUTB appoint a CS Leader at each local recording them in a will, contribute to the lasting happiness of the customer's family and the building of trust between branch office and actively promote CS enhancement Seventh Stakeholder Dialogue (April 15, 2013) generations. activities, such as group study sessions at each branch, in Guests: To do that, the process of writing a will that meets the order to drive continuous improvements in CS. (Photo 3) customer's desires but is also achievable is extremely Joji Ono, Professor of Marketing, School of Business, In the orientation program at MUMSS, new hires learn important. This requires carefully comparing each of their Aoyama Gakuin University about the importance of CS and also practice methods for wants to legal and tax-related rules and limitations and Noboru Takano, Representative, Human and Hospitality Institute; politely explaining any discrepancies that might exist. My meeting customer expectations, for example by learning Former Regional Director, The Ritz-Carlton Hotel Company, Japan goal is always to be helpful in making a will that sorts out how to ascertain their needs and convey information, and the testator's property and feelings, is easy for the bereaved by studying the customer inquiries received by the cus- MUFG participants: to accept, and above all, clearly conveys the testator's Division managers in charge of CSR at MUFG companies tomer call center. wishes. MUN makes company-wide efforts to improve CS. At orientation, new hires acquire a deeper understanding of how to improve CS. At the same time, training for all departments gives employees the opportunity to discuss Photo 2: Employee practices using an automated external defibrillator what they can do on their own to increase CS. (Photo 4)

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Customer Focus

Efforts to Boost Customer Satisfaction

At MUTB, employees improve their consulting skills Providing higher-quality products through work-skill certification to deepen their knowl- Evaluation from customers Review by management 3-1 and services edge as well as through customer service role-playing. 3-3 3-4 We strive daily to provide stress-free services to our cus- By sharing customer opinions and requests on an inter- In order to improve CS and provide services optimized by MUFG and the group companies regularly hold CSR com- tomers by making products and product-related proce- nal portal site, the respective product and operational customer feedback, we conduct regular customer satis- mittee meetings and customer complaint monitoring dures easier. divisions at MUN take their own initiative in making faction surveys to determine whether our activities are meetings attended by the president and general manag- For example, Mitsubishi UFJ Trust and Banking (MUTB) improvements for responding properly to customer meeting expectations. We also hold regular Stakeholder ers of head offices and the heads of branch offices. halved the number of application forms and reduced the feedback. Dialogues, discussions between executives and division number of spaces customers need to fill in when applying managers in charge of CSR and outside experts. This Customer complaint monitoring meeting for the Educational Fund Gift Trust. Mitsubishi UFJ Extensive training programs year's meeting was a lively exchange of opinions on the Morgan Stanley Securities (MUMSS) completely 3-2 theme of improving CS. revamped its website so it can share information with Photo 3: A liaison meeting of CS Leaders Satisfied Somewhat satisfied Not sure Somewhat dissatisfied customers more quickly and in a way that is easier to Dissatisfied/No response understand. And in Japan, Mitsubishi UFJ NICOS (MUN) added Japanese characters to the expiration date on its The Bank of Tokyo-Mitsubishi UFJ % credit cards to assist customers who were having diffi- 35.8 31.7 27.3 culty understanding the English-only notation. (Photo 1) 3.4 To help senior citizens, customers with disabilities, and Mitsubishi UFJ Trust and Banking 1.8 others use our branches safely and with peace of mind, 25.4 45.6 22.6 BTMU, MUTB, and MUMSS installed automated external 4.4 defibrillators (AEDs) at all branch offices and train employ- Mitsubishi UFJ Morgan Stanley Securities 2.0 ees to respond appropriately when customers are in 17.6 35.3 30.5 need. (Photo 2) Photo 4: A CS training session 11.8 To deliver services that exceed customer expectations, Mitsubishi UFJ NICOS 4.8 MUFG companies also offer employees various training 22.6 42.4 29.1 Committed to building customer trust opportunities so they can acquire better communication 5.4 skills and suggest the services that customers need and 0.5 All of us at MUFG approach our daily work with the hope Results of Customer Satisfaction Surveys want most. of being a source of service and satisfaction to our cus- (Conducted in October and November 2012) Employees at BTMU undergo customer service training in tomers. We remain committed to building enduring rela- which they practice taking customer inquiries and making tionships with customers through sincere communication. recommendations in a role-playing scenario and then watch a video of their performance to gain a more objec- tive perspective. Emi Tsuchida Nagoya Branch Mitsubishi UFJ Trust and Banking

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Corporate Customers

Activities on Group CSR Priority Theme: Addressing Global Environmental Issues MUFG Support Framework

Clients working to reduce their environmental footprint through corporate activities Clients engaged in environmental businesses

Clients' management  Designing environmental management strategies  Progression of environmental business  Usage of emission credits tasks relating to the  Environmentally-conscious asset management  Reduction of greenhouse gas emissions environment  Implementation of environment-friendly measures (boosting equipment energy efficiency, etc.)  Adoption and usage of environmental management systems

Maximizing MUFG's Comprehensive Strengths

The Bank of Mitsubishi UFJ Trust Mitsubishi UFJ Mitsubishi UFJ Lease Mitsubishi UFJ Research Tokyo-Mitsubishi UFJ and Banking Morgan Stanley Securities & Finance & Consulting ○ Financing support ○ Financing support ○ CDM consulting ○ ESCO proposals ○ Environmental management ○ Implementation of Equator ○ Promoting socially ○ Joint Crediting Mechanism ○ Energy conservation consulting consulting Principles responsible investment (JCM) projects ○ Introducing energy ○ Support for adopting For the success of your (SRI) conservation contractors environmental management ○ Green leasing systems

environmental project or business… MUFG ○ Environmental business matching

Promoting the Growth of Renewable 1 Energy around the World Governments around the world are initiating steps to sup- in a group of four Japanese banks underwriting approxi- port the growth of renewable energy sources as environ- mately C$400 million in total for the Aurora Solar Project, a mentally clean alternatives to fossil fuels. Through its role as project in Ontario, Canada, to acquire one of the largest a project finance lender and provider of other financial power generation facilities in the world.*1 Also in Canada, services, BTMU is a proactive supporter in the global devel- we coordinated financing as mandated lead arranger of a opment of renewable energy for reducing greenhouse gas total of C$795 million for a renewable energy project*2 emissions and supporting the future of industries and involving three wind farms and two solar power plants. modern lifestyles. Renewable sectors where BTMU and its In the wind sector, we acted as mandated lead arranger for group companies, including Union Bank in the United financing the construction and operation of two wind farm States, have provided debt finance include wind, solar, and projects in Scotland*3 with a maximum generation capacity biomass power generation. of 75.9 MW and 41.4 MW, respectively. In South Australia, In the solar sector, BTMU served as mandated lead arranger we worked as lead arranger of the 111-MW Waterloo Wind Farm project, providing a total of A$140.6 million. Renewable Energy Project Finance MLA 2012 The active involvement of BTMU and Union Bank in these

Market and other projects resulted in us being ranked the world's Rank Company Total (US$ million) Share (%) leading provider of project finance debt to renewable 1 Mitsubishi UFJ Financial Group 1,416.62 7.38 energy projects in 2012*4, as well as the world's largest 2 Deutsche Bank 1,198.98 6.25 provider of project financing overall. We will continue to 3 Grupo Santander 980.20 5.11 utilize our arrangement experience and know-how in driv- 4 SMBC 806.13 4.20 ing renewable energy growth in countries around the We offer the strength of our global network. 5 Rabobank 754.02 3.93 world that are promoting sustainable development. 6 Standard Bank 665.25 3.47 *1 Total generation capacity of 97.5 MW (the third-largest worldwide) spread 7 Mizuho Financial Group 586.71 3.06 across nine locations with enough electricity to power 10,000 households. As we aspire to become the world's most trusted financial group, *2 A project to build and operate wind farms (248 MW) and solar power plants 8 UniCredit 535.64 2.79 we make the most of our comprehensive strengths by providing customers with (20 MW) in Ontario and British Columbia for 20 years. 9 Morgan Stanley 482.00 2.51 *3 Construction of the Mid Hill Wind Farm in Aberdeenshire and the Rothes II Wind across-the-board support, including financial, 10 KfW 463.75 2.42 Farm in Moray, an expansion project. We arranged a combined GBP151 million to finance these two projects. business matching, and consulting services. Source: Infrastructure Journal League Tables (www.ijonline.com) *4 Results of survey by Infrastructure Journal, a project finance magazine.

Amane Yamazaki Senior Manager Project Finance Department, Structured Finance Division, The Bank of Tokyo-Mitsubishi UFJ BTMU has a team of project finance experts at nine branches worldwide, which we have continued to expand for acceleration of this business. We promote the renewable energy sector as our core business, and we also strive to support our customers' growth from the perspective of maximizing our contribution to the global environment over the long term. Given the differences in public policies, support programs, schemes, and other conditions among countries in the renewable energy sector, we will continue to actively promote this industry by fully utilizing our long- standing expertise and the diverse capabilities of our various branches.

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Corporate Customers

Activities on Group CSR Priority Theme: Addressing Global Environmental Issues MUFG Support Framework

Clients working to reduce their environmental footprint through corporate activities Clients engaged in environmental businesses

Maximizing MUFG's Comprehensive Strengths

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Corporate Customers

Activities on Group CSR Priority Theme: Addressing Global Environmental Issues

ment promotion activities and the Ministry of Economy, environmental and energy conservation goals. Drafting of Note: The Clean Development Mechanism (CDM) is a GHG emissions reduction 3 implementation plan mechanism that supports sustainable development through technology transfer *1 Environmental loans that use Japanese government subsidy programs: and financing while assisting developed countries in achieving their GHG emis- Environmental Management Support Loan (with 1% interest subsidized) using sion reduction targets. the Ministry of the Environment's interest subsidy for environmental manage- 4 ESCO service contract ment promotion activities, and Energy Conservation Support Loan (with 1% interest subsidized) using the Ministry of Economy, Trade and Industry's subsidy program for promotion of upgrading facilities for energy efficiency. 5 Renovation and upgrades *2 CSR Support Loan: Loan with preferential interest rate for customers who have committed to targets for improving their CSR performance in specific areas Validation of reductions (three to five targets). 6 in energy consumption CO2 Reduction Support Loan: Loan with preferential interest rate for customers Mari Yoshitaka who have committed to reducing their CO2 emissions. Operations management Chief Consultant For either loan, if the company's targets are not met, the amount of interest 7 and maintenance Clean Energy Finance Division subsidized by the government can be donated to a third-party organization as a Mitsubishi UFJ form of social or environmental philanthropy. Morgan Stanley Securities Atsuko Tanaka Vladislav Arnaoudov Senior Consultant ESCO Business Section, Clean Energy Finance Division Environmental Business Department Nippon Resibon Corporation, Hida Factory Mitsubishi UFJ Mitsubishi UFJ Lease & Finance Morgan Stanley Securities As a consultant in charge of sup- We support various approaches to global warming mitiga- porting municipalities across Japan tion within the framework of international agreements. As Yuichi Ogata Manager in upgrading their streetlight a leading consulting business for greenhouse gas emis- Environmental Business Office, Corporate Finance & Strategic Advisory Division systems to more energy-efficient technologies, I create sions reduction project development, we have made The Bank of Tokyo-Mitsubishi UFJ proposals for them to switch from incandescent, fluores- significant contributions to the sustainable development in Facing environmental and energy issues head-on can be essential to business survival in Japan. cent, or mercury-vapor lamps to efficient and long-lasting countries in Asia, America, Eastern Europe and Africa by Given the great need among our corporate customers to make use of government support LED lamps. Many municipalities have made use of our providing support and developing CDM and JCM method- programs, in April 2013 we organized a liaison team to help strengthen partnerships with ESCO project scheme to install energy-efficient street- ologies for numerous projects. As part of our CSR strat- government agencies. As a member of that team in charge of the environmental and energy lights because doing so requires no new investment of egy, we hope to take advantage of the dynamic financing sector, I am working to develop financing products that use government support to provide funds and accomplishes a reduction in tax expenditures mechanisms made possible through the integration of the customers with program information, and to assist them in the application process. I am also and environmental conservation at the same time. My strengths of MUFG members and impart further momen- doing my best to help create effective future programs by relaying customers' requests and goal is to continue providing optimal solutions so custom- tum to the deployment of Japanese environmental tech- concerns to government agencies. ers can make major strides forward in energy efficiency. nologies overseas.

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Corporate Customers

Activities on Group CSR Priority Theme: Addressing Global Environmental Issues

Wide-Ranging Options for Financing Environment and Supporting Energy Upgrades and Supporting Sustainable Development Energy-Related Projects Cost Cuts as a Domestic Leader through CDM and JCM 2 3 in the ESCO Field 4 Faced with an uncertain long-term future for utility rates and other energy costs, more and more customers are taking an FUJIWARA Co., Mutsushi Factory Energy service company (ESCO) projects can assist large MUMSS provides consulting Waste disposal site interest in energy conservation and are considering installing consumers of energy—including commercial facilities such services related to the Clean in Myanmar or upgrading to more efficient and eco-friendly facilities. as buildings, factories, and hotels and public facilities such Development Mechanism For such customers, MUFG proposes solutions to the chal- as street light systems—to achieve greater energy (CDM; see Note), reduction lenges of reducing electricity consumption and greenhouse efficiency. An ESCO project provides a package of services targets under the Kyoto Proto- gas emissions from operations, and also actively develops (which can include energy audits, proposals for project plan- col. Our services include, an array of services covering everything from advising on ning and facilities upgrades, and validation of results after among others, the develop- projects at the planning stage to providing support for reduc- construction) that achieve reductions in environmental ment of new baseline and ing financing costs. As an example of solutions that capital- impacts while also reducing costs. Because all of the costs monitoring methodologies Warabeya Nichiyo Co., ize on all available financing options, BTMU actively finances Sagamihara Second Factory associated with an ESCO project, including facility upgrades, and providing support for gen- investments in energy-efficient equipment and provides can be recouped through future reductions in energy costs eration of Certified Emission broad support for customers looking to introduce energy- resulting from improved energy efficiency, ESCO projects Reductions (CER). We also efficient technologies in their factory, office building, retail require essentially no investment of new funds. work on greenhouse gas reduction projects under the Joint store, or other location and for projects that involve solar Mitsubishi UFJ Lease & Finance (MUL) was one of the first Crediting Mechanism (JCM), which is a new scheme power or other renewable energy systems. MUTB also companies in Japan to provide services for ESCO projects proposed by the Japanese government in partnership with provides financing schemes that support corporate social and is recognized for its top-class performance in the field, developing countries. For the CDM, we have been involved responsibility and global warming mitigation programs. having been involved in 414 ESCO projects so far (as of in more than 100 projects, 72 of which (as of June 2013) BTMU, working with Mitsubishi UFJ Research and Consult- March 31, 2013). In the process, MUL has become a one- have been registered by the United Nations. Currently, we ing, provides Environmental Management Support Loans stop provider of coordinated energy-efficiency solutions. are coordinating the development of a project to capture (CSR type), an original product for corporate customers with Trade and Industry's subsidy program for promotion of methane, a powerful greenhouse gas, at a landfill site in Phases of an ESCO Project unique financing terms that is based on the results of an upgrading facilities for energy efficiency. For corporate cus- LED streetlights installed in Myoko, Myanmar. Niigata evaluation of their environmental management activities. It tomers with an active CSR program or CO2 emissions 1 Basic diagnosis We have also drawn on our extensive CDM expertise to also provides environmental loans that use Japanese gov- reduction program for global warming mitigation, MUTB 株式会社テクノフレックス「千葉工場完成予想図」promote JCM and have handled more than 40 projects to ernment subsidy programs,*1 such as the Ministry of the offers CSR Support and CO2 Reduction Support Loans.*2 facilitate the diffusion of Japanese environmental technolo- 2 Detailed energy audit Environment's interest subsidy for environmental manage- MUFG works as a team to help our customers realize their gies overseas. ment promotion activities and the Ministry of Economy, environmental and energy conservation goals. Drafting of Note: The Clean Development Mechanism (CDM) is a GHG emissions reduction 3 implementation plan mechanism that supports sustainable development through technology transfer *1 Environmental loans that use Japanese government subsidy programs: and financing while assisting developed countries in achieving their GHG emis- Environmental Management Support Loan (with 1% interest subsidized) using sion reduction targets. the Ministry of the Environment's interest subsidy for environmental manage- 4 ESCO service contract ment promotion activities, and Energy Conservation Support Loan (with 1% interest subsidized) using the Ministry of Economy, Trade and Industry's subsidy program for promotion of upgrading facilities for energy efficiency. 5 Renovation and upgrades *2 CSR Support Loan: Loan with preferential interest rate for customers who have committed to targets for improving their CSR performance in specific areas Validation of reductions (three to five targets). 6 in energy consumption CO2 Reduction Support Loan: Loan with preferential interest rate for customers Mari Yoshitaka who have committed to reducing their CO2 emissions. Operations management Chief Consultant For either loan, if the company's targets are not met, the amount of interest 7 and maintenance Clean Energy Finance Division subsidized by the government can be donated to a third-party organization as a Mitsubishi UFJ form of social or environmental philanthropy. Morgan Stanley Securities Atsuko Tanaka Vladislav Arnaoudov Senior Consultant ESCO Business Section, Clean Energy Finance Division Environmental Business Department Nippon Resibon Corporation, Hida Factory Mitsubishi UFJ Mitsubishi UFJ Lease & Finance Morgan Stanley Securities As a consultant in charge of sup- We support various approaches to global warming mitiga- porting municipalities across Japan tion within the framework of international agreements. As Yuichi Ogata Manager in upgrading their streetlight a leading consulting business for greenhouse gas emis- Environmental Business Office, Corporate Finance & Strategic Advisory Division systems to more energy-efficient technologies, I create sions reduction project development, we have made The Bank of Tokyo-Mitsubishi UFJ proposals for them to switch from incandescent, fluores- significant contributions to the sustainable development in Facing environmental and energy issues head-on can be essential to business survival in Japan. cent, or mercury-vapor lamps to efficient and long-lasting countries in Asia, America, Eastern Europe and Africa by Given the great need among our corporate customers to make use of government support LED lamps. Many municipalities have made use of our providing support and developing CDM and JCM method- programs, in April 2013 we organized a liaison team to help strengthen partnerships with ESCO project scheme to install energy-efficient street- ologies for numerous projects. As part of our CSR strat- government agencies. As a member of that team in charge of the environmental and energy lights because doing so requires no new investment of egy, we hope to take advantage of the dynamic financing sector, I am working to develop financing products that use government support to provide funds and accomplishes a reduction in tax expenditures mechanisms made possible through the integration of the customers with program information, and to assist them in the application process. I am also and environmental conservation at the same time. My strengths of MUFG members and impart further momen- doing my best to help create effective future programs by relaying customers' requests and goal is to continue providing optimal solutions so custom- tum to the deployment of Japanese environmental tech- concerns to government agencies. ers can make major strides forward in energy efficiency. nologies overseas.

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Corporate Customers

Activities on Group CSR Priority Theme: Addressing Global Environmental Issues

seek to lower the barriers—in terms of sectors, operational mation. We also became a signatory to the international and have obtained its assur- *1 The Equator Principles are guidelines established by the financial industry to scales, and regions—that come between companies, thus Principles for Responsible Investment (PRI)(see Note) to ance report for disclosed assess and manage social and environmental risks associated with project financing from the planning stage, in order to avert and mitigate the environmen- facilitating encounters that create value. propagate PRI-based investing activities in Japan. information related to EP tal impacts of development projects. BTMU and 78 other financial institutions in *2 35 countries have adopted the Equator Principles as of July 2013. Note: The Principles for implementation in FY 2012. PRI seminar *2 http://www.bk.mufg.jp/global/csr/eco/implementing.html Responsible Investment Independent Assurance Report (PRI) were announced by the then-Secretary General of the United Nations, Kofi Annan, in 2006. The PRI are intended Projects Assessed: By Category to address decision-making Category Definition 2011.4 ～ 2012.3 2012.4～2013.3 issues related to ESG for investments, to improve the A Projects with potential significant adverse social or environmental impacts which are 11 7 long-term results of invest- diverse, irreversible or unprecedented. ments, and to reduce risk. Projects with potential limited adverse social or environmental impacts that are few in B number, generally site-specific, largely reversible and readily addressed through mitiga- 32 38 The Sustainability Assessment Process tion measures. C Projects with minimal or no social or environmental impacts. 4 12 Financial data-based analysis ESG assessment-based analysis ＋ Total 47 57

Selection of candidates for investment based on a long-term perspective Projects Assessed: By Sector Projects Assessed: By Region The large-scale business matching event "Business Link Shobai Hanjo" Sector A B C Total Region A B C Total Makuhari Messe in Chiba Prefecture Stable investment performance over the medium to long term Infrastructure 1 10 6 17 Americas 2 17 1 20 Mining 1 1 - 2 Asia, Oceania 3 7 6 16 Oil and gas development 3 6 - 9 Europe, Middle East, Africa 2 14 5 21 Koji Noda Shinichiro Hyogo Petrochemicals 1 1 - 2 Total 7 38 12 57 Manager Chief Analyst Power generation 1 19 6 26 Business Solution Department, Asset Management Division Other - 1 - 1 Corporate Finance & Mitsubishi UFJ Trust and Banking Total 7 38 12 57 Strategic Advisory Division I manage the Sustainable Growth The Bank of Tokyo-Mitsubishi UFJ Investment Fund (Domestic Equi- The tenth "Business Link Shobai ties), a product for pension funds Yumi Kato Hisanobu Chigira Hanjo" conference saw the largest attendance yet. While that selects equities based not on expectations of short- Social & Environmental Senior Manager we provide business-matching services to customers on term gains but on the goal of achieving stable profit growth Risk Assessment Office, Social & Environmental Risk Assessment Office, an individual basis at local branch offices all across Japan, over the medium and long term. Investing in companies Structured Finance Division Structured Finance Division a large conference like this one not only helps companies with good governance, that have a positive impact on the The Bank of Tokyo-Mitsubishi UFJ The Bank of Tokyo-Mitsubishi UFJ forge new partnerships and therefore propel growth for environment and society, and that capitalize on that impact existing businesses, it has also, on more than a few occa- for enhanced business performance helps to support the BTMU adopted the Equator Principles in 2005 and since then has applied them to more sions, led to the creation of new, category-defying busi- programs of such companies. Because most extra-financial than 300 projects. The EP were revised in 2013 (becoming EP III) to increase nesses. As we prepare for the Osaka conference slated information has a qualitative nature and is hard to compare, transparency by expanding their scope and strengthening disclosure requirements. We for February 2014, our aim is to hold an event to provide a we strive for stable performance with these selected equi- will work to ensure a smooth transition to EP III, as the inclusion of project-related major step forward for customers in and outside Japan. ties by also doing steady research and focusing on aspects corporate loans within its expanded scope will allow us to contribute more broadly to that emerge in various corporate activities. global environmental conservation.

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Corporate Customers

Activities on Group CSR Priority Theme: Addressing Global Environmental Issues

Creating New Opportunities for Promoting Sustainability Assessment Supporting Environmental Risk Management 5 Business Partnership 6 for ESG-based Asset Management 7 through the Equator Principles Meeting new business partners can not only help a com- Global pension funds and other investors pursuing stable Financial institutions are now expected to undertake efforts pany expand its sales network or supply chain—it can also investment returns consider the business outlook and financial to prevent potential environmental degradation attributed to Project site inspection in Canada pave the way to new discoveries, partnerships, and syner- data when evaluating companies, but are also increasingly loans to development projects in emerging countries as well gies that are essential to business growth. looking at a company's extra-financial information such as envi- as other domestic and international business activities. MUFG has been hosting the annual "Business Link Shobai ronmental and social responsibility and corporate governance BTMU has adopted the Equator Principles (EP)*1 as a frame- Hanjo" conference since 2005, supporting its customers to (ESG). A way of thinking is starting to take hold that investing in work to ensure that social and environmental considerations overcome their business challenges. The tenth conference companies with clear social responsibility policies and are made when financing large-scale development projects. was held at the Makuhari Messe conference center in Chiba programs and strong corporate governance systems can We advise our clients to take due care in complying with Prefecture in February 2013. Some 2,700 companies increase returns over the medium to long term and reduce risk. international standards, and we also monitor environmental attended the event, and more than 6,100 business-matching Drawing on its experience as a pioneer in ESG-based corpo- impacts even after financ- discussions were held. rate assessment and investing, MUTB is working on creating support has been ren- This year's conference took on an international dimension, as ing and managing funds with equities that are expected to dered. To show that our EP discussions were also held with companies from two Asian experience sustained growth. Through seminars and other implementation is reliable, countries outside Japan. Some businesses were also able to events, we also educate participants about methods of we have disclosed our inter- find suitable technologies to match their own. We will con- selecting companies for investment based on ESG prin- nal EP procedures and infor- tinue to actively support companies throughout Japan and ciples, and we work to promote broader use of corporate mation on financed projects the world with more of these kinds of open exchanges that assessment methods that make use of extra-financial infor- to an independent third party seek to lower the barriers—in terms of sectors, operational mation. We also became a signatory to the international and have obtained its assur- *1 The Equator Principles are guidelines established by the financial industry to scales, and regions—that come between companies, thus Principles for Responsible Investment (PRI)(see Note) to ance report for disclosed assess and manage social and environmental risks associated with project financing from the planning stage, in order to avert and mitigate the environmen- facilitating encounters that create value. propagate PRI-based investing activities in Japan. information related to EP tal impacts of development projects. BTMU and 78 other financial institutions in *2 35 countries have adopted the Equator Principles as of July 2013. Note: The Principles for implementation in FY 2012. PRI seminar *2 http://www.bk.mufg.jp/global/csr/eco/implementing.html Responsible Investment Independent Assurance Report (PRI) were announced by the then-Secretary General of the United Nations, Kofi Annan, in 2006. The PRI are intended Projects Assessed: By Category to address decision-making Category Definition 2011.4 ～ 2012.3 2012.4～2013.3 issues related to ESG for investments, to improve the A Projects with potential significant adverse social or environmental impacts which are 11 7 long-term results of invest- diverse, irreversible or unprecedented. ments, and to reduce risk. Projects with potential limited adverse social or environmental impacts that are few in B number, generally site-specific, largely reversible and readily addressed through mitiga- 32 38 The Sustainability Assessment Process tion measures. C Projects with minimal or no social or environmental impacts. 4 12 Financial data-based analysis ESG assessment-based analysis ＋ Total 47 57

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Individual Customers

Activities on Group CSR Priority Theme: Addressing Global Environmental Issues

Supporting Green Living through Home Financing 1 We offer a range of housing loans to meet customer needs. For both economic and environmental reasons, interest in 0.5% (as of September 2013) (see Note). next-generation homes that are energy-efficient and gen- In partnership with designated housing manufacturing erate their own electricity has been growing. Responding companies, MUTB provides customers buying or building to this increased demand, MUFG supports customers by homes with solar panels or other environmentally friendly providing financing that lessens the interest burden on features with Environmentally Friendly Housing Loans, To support green lifestyles... loans for purchasing, expanding, or renovating homes for which offer a consistently lower interest rate in compari- the installation of eco-friendly solar power or use of son to discount fixed-rate housing loans. energy-saving gas resources. MUFG will continue to find new ways to support custom- For those customers purchasing newly constructed eco- ers who would like to do more for the environment, such friendly and energy-efficient homes having an Eco Certifi- as through installing energy-efficient equipment, to suit cate issued by designated housing manufacturers, BTMU their lifestyle needs. offers the Eco Support Benefit, which provides loans at a *Note: NET DE Home Improvement Loans and Super Renovation Loans: Unse- borrowing rate 0.1% lower than standard loans. In addi- cured loan products for financing home renovations. tion, for customers planning home improvements that include environmentally friendly upgrades such as solar panels, or for those renovating their homes to be barrier- free, we lower the annual interest rates of NET DE Home Improvement Loans and Super Renovation Loans by

We pursue quality that builds trust.

We strive to be a foundation of support for customers and society at large. To earn higher trust, we provide

customized products and services Photo: Sekisui House that help our clients realize their environmental aspirations.

Yuji Suzuki Manager Loan Products Department, Retail Banking Business Promotion Division The Bank of Tokyo-Mitsubishi UFJ Our mission is to meet customers' needs for eco-friendly and energy-efficient housing through the loans we provide. We start by listening to what customers want and developing more satisfying products while keeping an eye on social trends. We then strive to provide services that are based on close collaboration between our product planning departments and local branch offices. We also strive to enhance our products and service capacity so we can support public demands for reductions in environmental impact.

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Individual Customers

Activities on Group CSR Priority Theme: Addressing Global Environmental Issues

We pursue quality that builds trust.

We strive to be a foundation of support for customers and society at large. To earn higher trust, we provide customized products and services Photo: Sekisui House that help our clients realize their environmental aspirations.

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Individual Customers

Activities on Group CSR Priority Theme: Addressing Global Environmental Issues

using a computer or smartphone and receive online 0 status updates, such as notification of a time deposit's FY 2000 FY 2008 FY 2009 FY 2010 FY 2011 FY 2012 maturity. We will continue to pursue new initiatives that enhance customer convenience while also helping the environment. Impact Reduction Efforts Third-Party Assurance In addition to upgrading or installing new eco- To enhance the transparency and reliability of our friendly equipment in our administrative buildings emissions data, we obtained an Independent Assur- and branch offices, MUFG companies strive on a ance Report from Ernst & Young Sustainability Co., daily basis to reduce environmental impacts. Here Ltd., a subsidiary of Ernst & Young ShinNihon LLC. are just a few specific examples: Tetsuo Hirose Norihiko Arai ● Turn off lights when not in use (administrative build- Senior Manager Manager ings and branch offices) ● Implement Cool Biz during Retail Operations Planning Division New Products Planning Department the summer; use coolers and heaters moderately; The Bank of Tokyo-Mitsubishi UFJ Mitsubishi UFJ NICOS turn computer or display off Every day, I go about my work while As of July 2013, around 300,000 MUFG when leaving one's desk being mindful of environmental CARD customers have signed up ● Reduce copy-paper use; rec- impacts and the need among cus- for online statements. We want to ycle used paper ● Use FSC- tomers for simpler and paperless procedures. Digitization continue introducing quick and easy procedures, such as and work efficiency are important themes within our switching the application process from paper to online. certified paper and eco friend- operations as well, with project teams organized to Environmental stewardship at MUN is an organization- ly inks, such as vegetable based promote various actions. By eliminating paper media wide mission. An Environmental Leader in each division inks, as much as possible for through the use of network databases and paperless works to raise awareness and drive action toward meeting printing customer pamphlets workflows, we hope to achieve further improvements in the company's environmental targets, such as saving ● Separate and recycle waste; work efficiency and provide more convenient and more energy in the office and reducing copy-paper use. We introduce electric vehicles eco-friendly services to our customers. remain focused on reducing environmental impacts through our operations.

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Individual Customers

Activities on Group CSR Priority Theme: Addressing Global Environmental Issues

Going Paperless for More Convenience, The First Thoroughly Column 2 Smaller Impact 3 Eco-Friendly Card in the Industry MUFG CARD is designed to be environmentally friendly Carbon Emissions Reduction at MUFG in every aspect, from card issuance to account statements and point conversion programs. The card itself is made of PET-G material, which does not produce chlorine gas when incinerated. All member application forms, Group Targets Reached service usage guides, and magazines are printed on To help mitigate global warming, MUFG (the holding company, paper certified by the Forest Stewardship Council. BTMU, MUTB, and MUMSS) launched an initiative to reduce CO2 emis- MUN pioneered these kinds of initiatives within the credit sions by at least 25% by FY 2012, using FY 2000 as the baseline year. card industry and currently offers an environmental "Char- Group-wide efforts to cut energy use and switch to energy-efficient ity" option (see Note) that customers can purchase with technologies resulted in 196,000 tons of CO2 being emitted in FY the points they collect on their credit cards. We are also 2012 (the last year of the emissions reduction plan), a 34% reduc- encouraging reductions in paper use by launching cam- tion from baseline and a significant achievement beyond our target. paigns to get customers to switch from monthly paper statements to online statements (cutting CO2 emissions CO2 Emissions (Actual) BTMU works to deliver services that customers can use by 500 grams per statement). In addition, we donate a 298 (baseline emissions) without a paper form or bankbook. This not only makes portion of the costs saved when customers switch to CO2 emissions 300 (1,000 tons) 298 life more convenient for customers, but also reduces CO2 online statements to environmental conservation groups; 280 emissions. Going paperless for customer services and the amounts donated and other information can be 274 34% reduction in-house processes has allowed us to make a number of accessed online, allowing customers to see how their 260 (102,000 tons) key innovations for more intelligent, stress-free banking. choices are having a positive impact on the environment. 240 For instance, customers in Japan can now execute trans- Note: A program that enables users to donate money to an environmental 223 (25% reduction target) project or organization of their choice, including projects conducted by OISCA actions at our branch offices without filling out a form or 220 International and organizations such as the Japan Fund for Global Environment 9% more than writing their signature. All they have to do is confirm the of the Environmental Restoration and Conservation Agency of Japan, and the target 200 204 202 details of their transaction on an in-store monitor and Global Environmental Forum of Japan. 191 196 (FY 2012 actual) enter their smart card PIN. 180 And with our Eco Bank Book and Eco Notification services, 160 customers can also check their transaction history online using a computer or smartphone and receive online 0 status updates, such as notification of a time deposit's FY 2000 FY 2008 FY 2009 FY 2010 FY 2011 FY 2012 maturity. We will continue to pursue new initiatives that enhance customer convenience while also helping the environment. Impact Reduction Efforts Third-Party Assurance In addition to upgrading or installing new eco- To enhance the transparency and reliability of our friendly equipment in our administrative buildings emissions data, we obtained an Independent Assur- and branch offices, MUFG companies strive on a ance Report from Ernst & Young Sustainability Co., daily basis to reduce environmental impacts. Here Ltd., a subsidiary of Ernst & Young ShinNihon LLC. are just a few specific examples: Tetsuo Hirose Norihiko Arai ● Turn off lights when not in use (administrative build- Senior Manager Manager ings and branch offices) ● Implement Cool Biz during Retail Operations Planning Division New Products Planning Department the summer; use coolers and heaters moderately; The Bank of Tokyo-Mitsubishi UFJ Mitsubishi UFJ NICOS turn computer or display off Every day, I go about my work while As of July 2013, around 300,000 MUFG when leaving one's desk being mindful of environmental CARD customers have signed up ● Reduce copy-paper use; rec- impacts and the need among cus- for online statements. We want to ycle used paper ● Use FSC- tomers for simpler and paperless procedures. Digitization continue introducing quick and easy procedures, such as and work efficiency are important themes within our switching the application process from paper to online. certified paper and eco friend- operations as well, with project teams organized to Environmental stewardship at MUN is an organization- ly inks, such as vegetable based promote various actions. By eliminating paper media wide mission. An Environmental Leader in each division inks, as much as possible for through the use of network databases and paperless works to raise awareness and drive action toward meeting printing customer pamphlets workflows, we hope to achieve further improvements in the company's environmental targets, such as saving ● Separate and recycle waste; work efficiency and provide more convenient and more energy in the office and reducing copy-paper use. We introduce electric vehicles eco-friendly services to our customers. remain focused on reducing environmental impacts through our operations.

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Next Generation

Activities on Group CSR Priority Theme: Nurturing Society's Next Generation

Employee-participation social contribution initiatives supported by MUFG.

As a member of the many local communities where we tion, the National Federation of UNESCO Associations in work throughout Japan and the world, we promote a wide Japan. Since 2008, we have been working to reforest the range of activities through which employees of MUFG can area surrounding the Shirakami-Sanchi World Heritage Site interact with other members of the community and help in northern Japan, planting 100,000 trees across 44 hect- nurture the future leaders of society. One such initiative is ares, an area the size of about 80 American football fields. "Save Our Common Treasures of the Earth," conducted in In the five years starting in 2013, we will take care of the collaboration with a public interest incorporated associa- trees we have planted.

Environmental Education Project: 01 "Save Our Common Treasures of the Earth" In collaboration with a public interest incorporated association, the National Federation of UNESCO Associations in Japan, we support this project aimed at passing on to future generations the common heritage of mankind.

Next Generation Leaders Program for 02 Asia and the Pacific In collaboration with a public interest incorporated foundation, the Organization for Industrial, Spiritual and Cultural Advancement (OISCA) International, youth throughout Asia and the Pacific are taught organic farming techniques and other skills.

MUFG Graduation Memorial Cup 03 Soccer Tournament Hoping to teach children the value of interconnected- ness and teamwork through sports, MUFG hosts the MUFG Graduation Memorial Cup Soccer Tournament, a youth soccer tournament for sixth-grade students who are about to graduate from elementary school.

Economic/Financial Education Program 04 "Let's Learn about Finance and Economy" 02 This program, developed in partnership with the For the vitality of future generations… University of Tsukuba, teaches children about financial systems and the value of money. (Photo is of a class at BTMU's Fukuyama Branch.)

05 Job Shadowing Work Experience Program This educational program, in cooperation with a public interest incorporated association, Junior Achievement Japan, provides youth an opportunity to learn firsthand about the challenges and joys of the work experience.

06 Gifts for the Future TV Program Broadcast every Saturday from 10 pm to 10:54 pm on BS-TBS TV this documentary-style program features corporations and other organizations that address social issues through their 03 business activities.

04 05 06

We support community growth and Yu Hojo Treasury Division, Mitsubishi UFJ Trust and Banking I participated in a "Save Our Common Treasures of the Earth" event where we cleared the under- environmental conservation. brush around recently planted trees. Clearing thick brush on a steep slope was harder than I imagined, but I soon found a rhythm and time passed quickly. The next day, I went hiking in the We are working to nourish society's next generation in order to give back to diverse, Shirakami-Sanchi area and took time to observe the beauty of this virgin forest. I realized then the meaning of our work: that we have to preserve this world heritage for future generations. global communities. These efforts are based on an appreciation for local history and culture. The experience was also valuable because it allowed me to spend time with other people at MUFG whom I don't normally see.

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Next Generation

Activities on Group CSR Priority Theme: Nurturing Society's Next Generation

Employee-participation social contribution initiatives supported by MUFG.

04 05 06

Environmental education project: "Save Our Common Treasures of the Earth" 21 01 MUFG CSR Report 2013 22 MUFG2013 ハイライト版 _ 中面（P23-24）

Next Generation

Activities on Group CSR Priority Theme: Nurturing Society's Next Generation

Wide-ranging social contribution activities promoted by MUFG companies. Community outreach and participation activities.

MUFG companies conduct and support a wide range of each with a grant of up to 100,000 yen a year. In FY 2012 Based on the recognition that MUFG is supported by soci- offices of the Group and were involved in a wide variety of activities centered on the theme of bettering society and we supported 118 schools in this way. ety and the people in communities in which it operates, activities, such as cleanup events, planting of flower beds supporting sustainable growth. These include environmen- In March 2013, we also held the third ESD International employees of local branches show appreciation by partici- in front of branches, tree planting, educational support, tal stewardship, support for culture, sports, and education, Exchange Program, in which we sent 12 high school pating in local community activities. company visits, seminars, and charitable projects. and participation in community events. students from UNESCO Associated Schools to Germany In FY 2012, employees played a key role at local branch To promote Education for Sustainable Development (ESD), and France. for example, we provide UNESCO Associated Schools 01 Hiroshima Branch, BTMU In partnership with the Hiroshima prefectural government, the branch held a hot-air balloon- riding event for local residents.

02 Nihonbashi Area, BTMU Participated in a Nihonbashi Bridge cleaning event hosted by Meikyo Nihonbashi Hozonkai (the Nihonbashi Preservation Society).

02 03 Head Office, MUSHD 02 Held monthly clean-ups around the Mejirodai Building.

04 Brussels Branch, BTMU Volunteers spent the day making repairs and cleaning a facility for children with special needs.

05 Chennai Branch, BTMU Donated desks and chairs to a school and held an origami workshop.

01 03 01 03 06 Utsunomiya Branch, MUTB Invited a lecturer from the Utsunomiya City Social Welfare Council to increase employee understanding of people with reduced mobility.

07 5 offices in Osaka Area, MUTB Participated in bamboo grove grooming activities hosted by the Shimamoto Forest Club.

08 London Branch, MUTB Participated in a charity walk and raised money for a cancer research fund. 04 05 04 05

06 07 08

06 01 Supporting the Activities of UNESCO Associated Schools 05 Sponsoring the Special Olympics Nippon BTMU supports UNESCO Associated School activities that teach students BTMU and MUTB are sponsors of an international sports organization that about sustainable development (ESD). provides support for persons with mental and developmental disabilities so they can develop independence and participate in society. Peter RabbitTM "Forest for the Future" 02 TM Environmental Conservation Activities 06 Diorama Exhibit Depicts the World of Peter Rabbit Since 2009, MUTB has been working with Nagatoro Town in Saitama Prefec- TM ture to conserve the local environment by planting trees and clearing under- MUTB celebrated 25 years of Peter Rabbit as its mascot by displaying a brush in a community forest on Hodo Mountain. diorama on the first floor of the head office building.

07 "Club for You" Volunteer Teams 03 Sponsoring the FIT For Charity Run 2012 BTMU organized "Club for You" volunteer teams in Tokyo, Nagoya, and Osaka. 07 Since 2009, MUMSS has helped organize an annual event in which financial In FY 2012, the Western Japan team helped clean and repair the Kumano Kodō, companies located in Tokyo raise donations for charity. ancient pilgrimage routes on the Kii peninsula.

Sponsoring the Culture Support Project: Participation in Marunouchi de Uchimizu 04 Shiki Theatre Company's Kokorono Gekijou 08 BTMU sponsors Kokorono Gekijou, a theatre program that seeks to instill in In July 2013, around 320 MUFG employees participated in a project to splash water 08 children an appreciation for the value of life and connection with others. on the streets to alleviate the urban heat-island effect in Tokyo.

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