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Corporate Review 2010

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Corporate Review 2010 Mitsubishi UFJ Financial Group Corporate Review 2010 Year ended March 31, 2010 Mitsubishi UFJ Financial Group (MUFG) is one of the world's largest and most diversified financial groups with total assets of ¥204 trillion as of March 31, 2010. The Group comprises five primary companies, including The Bank of Tokyo-Mitsubishi UFJ, Ltd., Mitsubishi UFJ Trust and Banking Corporation, Mitsubishi UFJ Securities Holdings Co., Ltd., Mitsubishi UFJ NICOS Co., Ltd. and Mitsubishi UFJ Lease & Finance Company Limited. MUFG's services include commercial banking, trust banking, securities, credit cards, consumer finance, asset management, leasing and many more fields of financial services. The Group has the largest overseas network of any Japanese bank, comprising offices and subsidiaries, including Union Bank, in more than 40 countries. Contents Disclaimer for Corporate Review 2010 All figures contained in this report are calculated according to Japanese Major MUFG Companies 1 GAAP, unless otherwise noted. MUFG Worldwide 2 This document contains statements that constitute forward-looking statements within the meaning of the United States Private Securities Financial Highlights 4 Litigation Reform Act of 1995. Such forward-looking statements represent To Our Shareholders 6 targets that management will strive to achieve by implementing MUFG’s business strategies, but are neither projections nor a guarantee of future Executive Committee 10 performance. All forward-looking statements involve risks and uncertainties. Financial and Operation Review 12 MUFG may not be successful in implementing its business strategies, and management may fail to achieve its targets, for a wide range of possible Global Activities 28 reasons, including instability in the financial markets, particularly in Europe, Corporate Social Responsibility 34 and fluctuations in securities markets globally as a result of such instability; adverse economic conditions and decreased business activity in Japan, Corporate Governance 38 the United States, Europe, or other markets; declining real estate or stock Group Business Management 40 prices; additional corporate bankruptcies or additional problems in business sectors to which MUFG companies lend; difficulties or delays in integrating Risk Management 42 MUFG’s businesses and achieving strategic goals of the integration; Compliance 56 increased competitive pressures as a result of global consolidation or alliance forming among financial institutions; operational or reputational impact Internal Audit 60 from regulatory actions in Japan, the United States and other jurisdictions; Corporate Management 62 changes in laws and regulations applicable to MUFG’s businesses; and adverse operating environment for financial institutions globally. Please Global Network 64 see our annual report on Form 20-F for the fiscal year ended March 31, Recent History of MUFG 71 2010, which we plan to file with the SEC in August 2010, for additional information regarding the risks relating to our businesses. Unlike this report, Company Overview 72 all figures that will be contained in the annual report on Form 20-F will be calculated according to U.S. GAAP, unless otherwise noted. We are under no obligation, and disclaim any obligation to update or alter our forward- looking statements, whether as a result of new information, future events or otherwise. ● Securities ● Finance Mitsubishi UFJ Morgan Stanley Tokyo Associates Finance Securities Nippon Mutual Housing Loan ● Credit Cards/Consumer Loans/ ● Asset Administration Installment Credit The Master Trust Bank of Japan Mitsubishi UFJ NICOS ● Factoring Ryoshin DC Card Mitsubishi UFJ Factors JALCARD JACCS ● Shareholder Relations Major ACOM Consulting Services MUFG Companies Mobit Japan Shareholder Services ● Housing Loans ● Research/Consulting ● Holding Company Mitsubishi UFJ Loan Business Mitsubishi UFJ Research and Mitsubishi UFJ Financial Group Consulting ● Regional Banks (MUFG) Mitsubishi Asset Brains Senshu Ikeda Holdings Mitsubishi UFJ Trust Investment The Chukyo Bank ● Commercial Bank Technology Institute TAISHO Bank The Bank of Tokyo-Mitsubishi UFJ ● Leasing (BTMU) ● Foreign Exchange Mitsubishi UFJ Lease & Finance Tokyo Credit Services BOT Lease ● Trust Bank (World Currency Shop) NBL Mitsubishi UFJ Trust and Banking ● Real-estate Brokerage (MUTB) ● Venture Capital Mitsubishi UFJ Real Estate Services Mitsubishi UFJ Capital ● Securities Company ● Debt Collection MU Hands-on Capital Mitsubishi UFJ Securities Holdings MU Frontier Servicer ● Information Technology (MUSHD) ● Wealth Management Mitsubishi Research Institute DCS Mitsubishi UFJ Merrill Lynch Mitsubishi UFJ Information PB Securities Technology Mitsubishi UFJ Personal MU Business Engineering Financial Advisers ● DC Pensions ● Asset Management Defined Contribution Plan Mitsubishi UFJ Asset Management Consulting of Japan KOKUSAI Asset Management ● Overseas MU Investments Union Bank ● Online Securities/ Mitsubishi UFJ Securities Internet Settlements/ International Mobile Internet Bank BTMU Capital Corporation kabu.com Securities Paygent Jibun Bank (As of May 1, 2010) Mitsubishi UFJ Financial Group Corporate Review 2010 1 MUFG Worldwide Shanghai Wuxi Warsaw BTMU Saint-Petersburg BTMU Polska BTMU China BTMU China ZAO BTMU Eurasia MU Trust Consulting Chengdu Ling Zheng Investment Consulting Moscow BTMU China Amsterdam Beijing Edinburgh BTMU Guangzhou BTMU Holland ZAO BTMU Eurasia Mitsubishi UFJ Baillie Gifford BTMU China BTMU China Asset Management Dusseldorf MUTB Hamburg MUS Birmingham BTMU BTMU BTMU Lease (Deutschland) Tianjin BTMU BTMU China London Berlin BTMU BTMU MUTB Mitsubishi UFJ Asset Management (UK) Mitsubishi UFJ Trust International MUS International Brussels BTMU Luxembourg Mitsubishi UFJ Global Custody Paris BTMU Lisbon BTMU Madrid Tokyo BTMU Barcelona BTMU Geneve Mitsubishi UFJ Wealth Management Bank (Switzerland) Manila Milano BTMU Karachi BTMU BTMU Munchen Mumbai BTMU BTMU Frankfurt Cairo BTMU BTMU New Delhi Vienna BTMU Johannesburg Chennai BTMU Holland Hanoi BTMU BTMU Prague BTMU Istanbul BTMU Holland Dhaka Ho Chi Minh City BTMU BTMU Almaty BTMU Tehran BTMU Yangon Labuan BTMU BTMU BTMU Doha Kuala Lumpur Surabaya BTMU BTMU BTMU BTMU Malaysia Bahrain Bandung Singapore BTMU BTMU Abu Dhabi BTMU Jakarta MUTB BTMU MUS Singapore BTMU PT. BTMU-BRI Finance Dubai Bangkok PT U Finance Indonesia (As of June 30, 2010) BTMU BTMU Bekasi BTMU Participation Thailand BTMU Holding Thailand BTMU Bangkok BTMU Karawang BTMU Kota Bukit Indah Purwakarta BTMU 2 Corporate Review 2010 Mitsubishi UFJ Financial Group Portland Minnesota BTMU BTMU Seattle Chicago BTMU BTMU Toronto Shenyang Vancouver BTMU Canada BTMU Canada BTMU Montreal Dalian BTMU Canada BTMU China Boston BTMU Capital Corporation New York BTMU MUTB BTMU Trust Company MUTB U.S.A. BTMU Leasing & Finance MUS U.S.A. Seoul Washington, D.C. BTMU BTMU Shenzhen BTMU China Taipei BTMU Kentucky BTMU Atlanta Kowloon Mexico City BTMU Houston BTMU BTMU BTMU Mexico BTMU Hong Kong Cayman Dallas BTMU BTMU BTMU MUTB MUTB MUS HK Holdings Los Angeles MUS HK Capital MUS HK BTMU San Francisco BTMU Rio de Janeiro Union Bank MUS U.S.A. BTMU Brasil Caracas Auckland BTMU Sao Paulo BTMU BTMU Brasil Bogota Sydney BTMU Buenos Aires BTMU BTMU Melbourne Santiago BTMU BTMU Domestic Network West Japan Region Central Japan Region East Japan Region Retail branches and offices: 239 Retail branches and offices: 156 Retail branches and offices: 436 Corporate banking offices: 114 Corporate banking offices: 69 Corporate banking offices: 171 Numbers are as of March 31, 2010 Mitsubishi UFJ Financial Group Corporate Review 2010 3 Financial Highlights Consolidated Financial Summary and Data of MUFG under Japanese GAAP (not U.S. GAAP*1) In billions of yen FY 2009*2 FY 2008*2 % change Operating Results Gross profits before credit costs for trust accounts ¥3,600.4 ¥3,272.9 10.0% Net interest income 2,177.1 1,975.9 10.1% Trust fees 103.8 119.4 (13.0%) Net fees and commissions 989.8 970.0 2.0% Net trading profits 259.7 253.0 2.6% Net other business profits 69.7 (45.6) – General and administrative expenses 2,084.8 2,083.7 0.0% Net business profits before credit costs for trust accounts and provision for general allowance for credit losses 1,515.5 1,189.1 27.4% Ordinary profit 545.6 82.8 558.9% Net income (loss) 388.7 (256.9) – Total credit costs*3 (825.2) (608.4) – In billions of yen except per share amounts Mar 31, 2010 Mar 31, 2009 % change Balance Sheet Data Total assets ¥204,106.9 ¥198,733.9 2.7% Loans and bills discounted 84,880.6 92,056.8 (7.7%) Total liabilities 192,807.4 190,163.2 1.3% Deposits 123,891.9 120,149.5 3.1% Total net assets 11,299.4 8,570.6 31.8% Asset Data Disclosed claims under the financial reconstruction law ¥1,348.7 ¥1,189.9 13.3% NPL ratio 1.50% 1.24% Net unrealized gains (losses) on securities available for sale 812.7 (917.7) – Capital Data BIS risk-adjusted capital ratio*4 14.87% 11.77% Tier 1 ratio*4 10.63% 7.76% Total net assets per common share (yen) ¥612.05 ¥528.67 15.7% *1 Please refer to Form 20-F for financial numbers under U.S. GAAP (to be released in August 2010) *2 FY2009: Fiscal year ended March 31, 2010, FY2008: Fiscal year ended March 31, 2009 *3 Total credit costs=Credit costs for trust accounts+Provision for general allowance for credit losses+Credit costs (included in non- recurring gains/losses)+Reversal of allowance for credit losses+Reversal of reserve for contingent losses included in credit costs *4 Based on the capital adequacy regulations (Basel II) These financial highlights are prepared
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