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UNITED STATES SECURITIES and EXCHANGE COMMISSION Form 6 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 6-K Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 under the Securities Exchange Act of 1934 For the month of January 2018 Commission File No. 000-54189 MITSUBISHI UFJ FINANCIAL GROUP, INC. (Translation of registrant’s name into English) 7-1, Marunouchi 2-chome, Chiyoda-ku Tokyo 100-8330, Japan (Address of principal executive office) Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F. Form 20-F X Form 40-F Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1): Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7): THIS REPORT ON FORM 6-K SHALL BE DEEMED TO BE INCORPORATED BY REFERENCE IN THE REGISTRATION STATEMENT ON FORM F-3 (NO. 333-209455) OF MITSUBISHI UFJ FINANCIAL GROUP, INC. AND TO BE A PART THEREOF FROM THE DATE ON WHICH THIS REPORT IS FURNISHED TO THE U.S. SECURITIES AND EXCHANGE COMMISSION TO THE EXTENT NOT SUPERSEDED BY DOCUMENTS OR REPORTS SUBSEQUENTLY FILED WITH OR FURNISHED TO THE U.S. SECURITIES AND EXCHANGE COMMISSION. EXHIBITS Exhibit Description 99(a) Financial Review and Unaudited Condensed Consolidated Financial Statements as of and for the Six Months Ended September 30, 2017 99(b) Statement of Computation of Consolidated Ratio of Earnings to Fixed Charges for the Fiscal Years Ended March 31, 2013, 2014, 2015, 2016 and 2017, and Six Months Ended September 30, 2017 99(c) Capitalization and Indebtedness of Mitsubishi UFJ Financial Group, Inc. as of September 30, 2017 101.INS XBRL Instance Document 101.SCH XBRL Schema Document 101.CAL XBRL Calculation Linkbase Document 101.DEF XBRL Definition Linkbase Document 101.LAB XBRL Label Linkbase Document 101.PRE XBRL Presentation Linkbase Document SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized. Date: January 17, 2018 Mitsubishi UFJ Financial Group, Inc. By: /s/ Zenta Morokawa Name: Zenta Morokawa Title: Chief Manager Documentation & Corporate Secretary Department Corporate Administration Division Exhibit 99(a) TABLE OF CONTENTS Page Financial Review ....................................................................... 1 Introduction ............................................................................ 1 Business Environment ................................................................... 5 Recent Developments .................................................................... 7 Critical Accounting Estimates ............................................................. 10 Accounting Changes and Recently Issued Accounting Pronouncements ............................ 10 Results of Operations .................................................................... 10 Business Segment Analysis ............................................................... 20 Financial Condition ..................................................................... 24 Sources of Funding and Liquidity .......................................................... 44 Total Equity ........................................................................... 46 Capital Adequacy ....................................................................... 47 Off-Balance Sheet Arrangements ........................................................... 52 Market Risk ........................................................................... 52 Unaudited Condensed Consolidated Financial Statements .................................... F-1 FINANCIAL REVIEW Introduction We, Mitsubishi UFJ Financial Group, Inc., or MUFG, are the holding company for The Bank of Tokyo-Mitsubishi UFJ, Ltd., or BTMU, Mitsubishi UFJ Trust and Banking Corporation, or MUTB, Mitsubishi UFJ Morgan Stanley Securities Co., Ltd., or MUMSS (through Mitsubishi UFJ Securities Holdings Co., Ltd., or MUSHD, an intermediate holding company), Mitsubishi UFJ NICOS Co., Ltd., and other subsidiaries. Through our subsidiaries and affiliated companies, we engage in a broad range of financial businesses and services, including commercial banking, investment banking, trust assets and asset management services, securities businesses, and credit card businesses, and provide related services to individuals and corporate customers in Japan and abroad. For the purposes of this Report, we have prepared our unaudited condensed consolidated financial statements in accordance with accounting principles generally accepted in the United States, or U.S. GAAP, except for otherwise specifically identified information, including business segment information and risk- adjusted capital ratios. Unless otherwise stated or the context otherwise requires, all amounts in our unaudited condensed consolidated financial statements are expressed in Japanese yen. In this Report, unless otherwise indicated or the context otherwise requires, all figures are rounded to the figures shown except for the capital ratios, capital components, risk-weighted assets, leverage ratios and liquidity coverage ratios of MUFG and its domestic subsidiaries, which are rounded down and truncated to the figures shown. In some cases, figures presented in tables are adjusted to match the sum of the figures with the total amount, and such figures are also referred to in the related text. Financial Results for the Six Months Ended September 30, 2017 Compared to the Six Months Ended September 30, 2016 Net income attributable to Mitsubishi UFJ Financial Group increased ¥39.8 billion to ¥790.7 billion for the six months ended September 30, 2017 from ¥750.9 billion for the same period of the previous fiscal year. The overall credit quality of our loan portfolio improved particularly as the continued gradual recovery of economic conditions in Japan has positively affected the financial performance of domestic corporate borrowers in recent periods. In addition, our business and results of operations, as well as our assets and liabilities, continued to be affected by fluctuations in interest rates and foreign currency exchange rates. The Japanese yen depreciated against the U.S. dollar and other major currencies, positively affecting the translated Japanese yen amount of earnings from our foreign activities. As long-term interest rates in the United States were higher, interest rate spread in foreign activities widened. However, higher long-term interest rates in the United States and Japan negatively affected the fair values of trading account securities, such as sovereign bonds, as well as the fair values of interest rate derivatives. In addition, higher stock prices in Japan adversely impacted the fair values of equity contracts designed to hedge against downside price fluctuations. The following table presents some key figures relating to our financial results: Six months ended September 30, 2016 2017 (in billions, except per share data) Net interest income .................................................. ¥1,105.4 ¥1,120.2 Credit for credit losses ............................................... 58.7 186.6 Non-interest income ................................................. 1,251.8 1,077.4 Non-interest expense ................................................ 1,410.1 1,369.8 Income before income tax expense ..................................... 1,005.8 1,014.4 Net income before attribution of noncontrolling interests .................... 753.3 780.1 Net income attributable to Mitsubishi UFJ Financial Group .................. 750.9 790.7 Diluted earnings per common share—Earnings applicable to common shareholders of Mitsubishi UFJ Financial Group ......................... 54.84 59.05 1 Our net income attributable to Mitsubishi UFJ Financial Group for the six months ended September 30, 2017 mainly reflected the following: Net interest income. Net interest income increased ¥14.8 billion to ¥1,120.2 billion for the six months ended September 30, 2017 from ¥1,105.4 billion for the same period of the previous fiscal year. The increase was primarily to higher volumes of, and higher interest rates on, foreign loans and foreign deposits in other banks. Credit for credit losses. Credit for credit losses improved ¥127.9 billion to ¥186.6 billion for the six months ended September 30, 2017 from ¥58.7 billion for the same period of the previous fiscal year. This primarily reflected the continued improvement in the overall credit quality of our commercial loan portfolio. We may need to recognize provisions for credit losses for our commercial loan portfolio and other loan portfolios in future periods if the credit quality of borrowers in particular industry sectors deteriorates or if the financial condition of our borrowers are adversely impacted by fluctuations in economic conditions in Japan, the United States, Thailand and other jurisdictions. Non-interest income. Total non-interest income decreased ¥174.4 billion to ¥1,077.4 billion for the six months ended September 30, 2017 from ¥1,251.8 billion for the same period of the previous fiscal year. This decrease was mainly due to lower trading account profits on interest rate and other derivative contracts, which reflected the lower fair values of equity contracts and interest rate contracts. This decrease was partially offset by higher net investment securities gains, primarily reflecting higher stock prices in Japan
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