PresentationPresentation ofof TheThe BankBank ofof TokyoTokyo--MitsubishiMitsubishi UFJ,UFJ, Ltd.Ltd. Financial Highlights

Apr. 1996 : The Bank of Tokyo-, Ltd (“BTM”) was established from the merger of and Bank of Tokyo. Oct. 2005 : Mitsubishi UFJ Financial Group Inc. (“MUFG”) was formed. Jan. 2006 : The Bank of Tokyo-Mitsubishi, Ltd. and UFJ Bank Limited merged to form The Bank of Tokyo-Mitsubishi UFJ, Ltd. (BTMU)

Ranking among Global Financial Institutions Highlights 1. Citigroup USD 261.9 billion MUFG has the highest market 2. Bank of America USD 228.3 billion capitalization among Japanese banks and 3. Industrial and Commercial Bank of China USD 219.0 billion ranks 12th among global financial 4. HSBC Holdings USD 215.8 billion institutions at April 2007; 5. JPMorgan Chase & Co. USD 182.5 billion 6. American International Group USD 180.9 billion The first Japanese banking group listed 7. China Construction Bank USD 140.3 billion on the NY Stock Exchange (since 1989), 8. UBS USD 136.4 billion SEC-registered, and fully compliant with 9. Royal Bank of Scotland Group USD 128.0 billion US GAAP; 10. Wells Fargo & Co. USD 122.6 billion

11. Berkshire Hathaway USD 122.0 billion

A significant domestic and overseas 12. Mitsubishi UFJ Financial Group USD 118.8 billion

network (over 400 offices outside Japan in 13. Banco Santander Central Hispano USD 117.7 billion

over 40 countries); 14. BNP Paribas USD 109.6 billion

15. Wachovia USD 106.4 billion Source: Datastream, 20 April 2007 Network - Global and Domestic

Overseas Americas: 26 Europe / Middle + Union Bank of East: 27 California: 322 branches

Domestic

Asia/Oceania: 50 Eastern Japan Retail branches: 460 CBO: 194 Tokyo Metropolitan Area (437 retails / 170 corporate)

Western Japan Retail branches: 253 Central Japan CBO: 119 Retail branches: 165 CBO: 79

As of September 2006

2 Network - Europe

Ｓｔ．Ｐｅｔｅｒｓｂｕｒｇ BTMU (Eurasia) & Moscow Representative Office

Ａｌｍａｔｙ Hamburg Representative Birmingham BTMU (Holland) Berlin BTMUH (Poland) Office Dusseldorf Frankfurt London Brussels Munchen BTMUH (Prague) MU Global Custody BTMUH (Vienna) Paris MU Wealth Management Bank

Madrid Milan

Lisbon Barcelona

Subsidiaries, Branch offices and sub-branches are indicated in Red and Rep offices are in blue. 3 Network – Group Capabilities

Consumer loans ACOM Credit cards DC Cash One Leasing Mitsubishi UFJ NICOS* Mobit Mitsubishi UFJ Lease & Finance** Venture Capital, Factoring Online securities Mitsubishi UFJ Capital kabu.com Securities Mitsubishi UFJ Factors

Mitsubishi UFJ Financial Group Investment Trusts 401K Pension Bank of Tokyo-Mitsubishi UFJ The Master Trust Bank of Japan Real Estate Brokerage Defined Contribution Plan Mitsubishi UFJ Real Estate Mitsubishi UFJ Trust and Banking Consulting of Japan Services Mitsubishi UFJ Securities IT

Servicer Diamond Computer Service UFJIS MU Frontier Servicer UFJ & Hitachi Systems

Wealth management Overseas subsidiary Mitsubishi UFJ Wealth Asset Management Union Management Securities Mitsubishi UFJ Asset Mitsubishi UFJ Securities Mitsubishi UFJ Merrill Management International Lynch PB Securities MU Investments UFJ PLAZA21

*DC Card and UFJ NICOS merged as of 4/1/07 to become Mitsubishi UFJ NICOS. **Diamond Lease and UFJ Central Lease merged as of 4/1/07 to become Mitsubishi UFJ Lease & Finance. 4 Product Line-up

Reducing Purchase Efficient Funding Assets Liabilities Management Costs

●Commitment Line Promissory Notes ●Ikkatsu Factoring System Cash/Deposit ●Domestic/Global CMS Payables Receivables/Promissory B/S Slimming = Liquidity Payables B/S Slimming = Cash Notes Receivables ●Payables ”Off B/S” Short-term ●ABCP Inventory Borrowings ●Factoring ●Forfeiting Deferred Tax Deferred Tax Assets Liabilities ●Commitment Line Other Current Sales Management Other Current Assets Liabilities Diversification of Finance ●Receivables Management Service ●Syndicated Loan Long-term Tangible Fixed Assets ●Seiho Loan Borrowings B/S Slimming = “Off B/S” Intangible Fixed Assets Bonds ●Premises Securitization ●Direct Finance from ● Lease the Capital Market Investments Pension Liabilities

B/S Slimming = “Off B/S” Other Fixed Assets ●Debt Assumption

●Security Deposit Liquidation Capital Reducing HR Management Costs ●Japanese 401(k) Plan

5 BestBest BusinessBusiness PartnerPartner inin RussiaRussia

ZAO Bank of Tokyo-Mitsubishi UFJ (Eurasia) Moscow Representative Office

6 Why BTMU in Russia

The closest bank for your group world wide

Wide range of payment Valuable financing scheme and collection solutions and for consultation advisory service BTMU meets domestic CMS needs your requirements !!

Considerable experience Effective, stable In Russia and mature operations

7 Our Business Development in Russia

BTMU Group : History in Russian Market

¾ July 1992, “Bank of Tokyo” established Representative Office in Moscow for the first time as a bank in Japan. ¾ Between 2001and 2007, our Senior Advisor (former president) of BTMU played the chairman of “Japan Association for Trade with Russia & Central Eastern Europe (RONIS)”. ¾ On 1st of Nov. 2006, BTMU has opened “ZAO Bank of Tokyo-Mitsubishi UFJ (Eurasia)” . First subsidiary bank in Russia among Japanese MEGA-Banks. ¾ On 24th of April 2008, BTMU (Eurasia) has opened Representative Office in Saint-Petersburg for the first time as a bank in Japan. ¾ June 2008, BTMU announced to establish Representative Office in Almaty (Kazakhstan).

8 Our Business Development in Russia

BTMU Group : Activities in Russian Market ¾ Correspondent Arrangements Correspondent Arrangements with 150 Russian banks. ¾ Trade Finance, FOREX Transactions C/L for over 20 Russian banks for Trade Finance L/C confirmation, L/G, etc. ¾ Arranger for Syndicated Loan & Structured Trade Finance for Russian Banks & Companies ¾ Securitization (Auto-Loan, Consumer Loan) Cooperation with MDM Bank, Raiffeisen Bank, etc. ¾ Memorandum of Understanding The Government of Saint-Petersburg, and VTB Bank, etc. ¾ ZAO Bank of Tokyo-Mitsubishi UFJ (EURASIA) Japanese corporate banking, more than 100 clients among Japanese Communities

9 Our Business Development in Russia

¾Syndicated Loan & Structured Trade Finance Target ; * Major Russian Banks * Blue-Chip companies : Oil Gas Industry / Steel / Aluminum / Retail Whole Seller / Pipe , etc In 2008 Y 1st Half , BTMU occupied the 9 th place among Western Banks in the Russian & CEE syndicated loan markets as Mandated Lead Arranger.

Russia, CIS, and Central and Eastern Europe Bookrunner - Syndicated Loans 2007 2008 Jan. - June

Bank name $ M's Number Bank name $ M's Number 1 Societe Generale 9,602.32 24 1 RBS 3,898.17 17 2 ABN AMRO 9,333.22 24 2 BNP Paribas 3,585.73 21 3 BNP Paribas 8,651.80 32 3 Calyon 2,910.61 12 4 Morgan Stanley 6,894.67 9 4 ING 2,902.93 17 5 CITI 6,573.13 22 5 Barclays Capital 2,848.91 14 6 Calyon 6,261.94 30 6 CITI 1,983.46 8 7 Barclays Capital 4,259.91 14 7 Uni Credit Group 1,787.88 13 8 ING 3,874.28 26 8 SMBC 1,707.98 9 9 JP Morgan 3,816.45 11 9 BTMU 1,610.55 11 10 Goldman Sachs 3,690.71 9 10 West LB 1,405.67 10 12 MUFG 2,562.77 19 10 Loanware 31st December 2006 - apportioned - volume ZAO BTMU (EURASIA)

¾ OUTLINE Licensed Aug. 17, 2006 / Opened Nov. 01, 2006 Paid capital JPY13.0 bio. ¾Japanese Corporate Banking 40% market share among Japanese companies in Moscow, more than 100 clients 4 Japanese Staff, 3 NS (Front), Treasurer, Currency Controller Total 40 staffs ¾Service Domestic & Foreign Remittance Loan (Ruble, USD, EURO, JPY, etc. : short term, long term) FOREX (SPOT / Forward : short term, long term) Deposit (Ruble, USD, EURO, JPY, etc. : short term, long term) Guarantee / Bond (Performance Bond, Bid Bond, etc.)

11 Profile / BTMU Group In Russia

ZAO Bank of Tokyo-Mitsubishi UFJ (Eurasia)

9 Address ： (Moscow Head Office) 7th Floor, Business center “Romanov Dvor-2” Bld. 2, 4 Romanov Per., Moscow 103009 Russia (St. Petersburg Rep. Office) 1/25,A, Office 36, Kazanskaya street, St.Petersburg, 191186, Russia 9 Number of employees： 40 (Japanese Staff : 4) 9 Business ： Loans, deposits, remittance, money orders (transfer) contents and other operations of commercial bank (corporate only) 9 Major Clients : Main Japanese Companies in Russia, Russian banks and enterprises BTMU Moscow Representative Office

9 Address : same with BTMU Eurasia 9 Number of employees : 4 (Japanese Staff : 1) 9 Business ： Support of Trade Finance, Syndicated Loan, Structured Trade Finance in Russia, NIS countries

12 BTMU Eurasia, Moscow Rep. Office

7th Floor, Business center “Romanov Dvor-2” Bld. 2, 4 Romanov per., Moscow 103009 Russia Tel. +7 (495) 225-8999

ZAO Bank of Tokyo-Mitsubishi UFJ (Eurasia) BTMU Moscow Representative Office

13 MAP (St. Petersburg Rep. Office)

1/25,A, Office 36, Kazanskaya Street, St.Petersburg, 191186, Russia Tel. +7 (812) 336-7325, 7326

ZAO Bank of Tokyo-Mitsubishi UFJ (Eurasia)

14 The information herein is provided for information purposes only, and is not to be used or considered as an offer or the solicitation of an offer to sell or to buy or subscribe for securities or other financial instruments. Neither this nor any other communication prepared by The Bank of Tokyo- Mitsubishi UFJ, Ltd. (collectively with its various offices and affiliates, "BTMU") is or should be construed as investment advice, a recommendation to enter into a particular transaction or pursue a particular strategy, or any statement as to the likelihood that a particular transaction or strategy will be effective in light of your business objectives or operations. Before entering into any particular transaction, you are advised to obtain such independent financial, legal, accounting and other advice as may be appropriate under the circumstances. In any event, any decision to enter into a transaction will be yours alone, not based on information prepared or provided by BTMU. BTMU hereby disclaims any responsibility to you concerning the characterization or identification of terms, conditions, and legal or accounting or other issues or risks that may arise in connection with any particular transaction or business strategy. Note that BTMU may have issued, and may in the future issue, other reports that are inconsistent with or that reach conclusions different from the information set forth herein. Such other reports, if any, reflect the different assumptions, views and/or analytical methods of the analysts who prepared them, and BTMU is under no obligation to ensure that such other reports are brought to your attention.

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