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Mitsubishi UFJ Financial Group Financial Highlights under Japanese GAAP for 1 st Quarter of the Fiscal Year Ending March 31, 2027 August 3, 2026
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2 Key Message Breakdown of Changes in NOP*2 Breakdown of Changes in Net Income 1 2 *1 Profits attributable to owners of parent *2 On a managerial accounting basis Definitions of figures and abbreviations used in this document can be found on the last page End Jun 2026 End Jun 2025FX rate 162.39144.81USD/JPY 820.5 R&D +18.9 CWM +46.3 JCIB +54.6 GCB +11.9 AM/IS +3.3 GCIB +70.9 GM +67.7 Other +4.8 542.2 FY25 1Q R&D CWM JCIB GCB AM/IS GCIB GM Other FY26 1Q 809.4 +182.0 +47.0 +104.0 (17.0) (52.0) 546.0 Customer Segment: +205.8 FY25 1Q FY26 1Q FY25 1Q FY26 1Q NOP Credit costs Net gains (losses) on equity securities Others Key components • Rebound of one-time gains in FY25, including gains on the liquidation of subsidiaries • Increase in profits attributable to non-controlling interests (¥bn) (¥bn, approx. amounts, after-tax) FX fluctuation: approx. +40.0 rises in JPY interest rates: approx. +60.0 Including the impact due to; Including the impact due to; FX fluctuation: approx. +50.0 +263.3 +48% Equity in earnings of equity method investees Net Operating Profits (NOP): ¥809.0bn, up by ¥266.0bn YoY / 28% progress towards FY26 target Increased significantly, driven by growth in loan balances and fee income, while steadily capturing the benefit of higher JPY interest rate Net Income*1: ¥809.4bn, up by ¥263.3bn YoY / 30% progress towards FY26 target Achieved record-high net income for the 1st quarter, driven by a significant increase in NOP and equity in earnings of equity method investees
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3 YoY 1 1,358.4 1,736.0 +377.6 2 690.7 882.3 +191.6 3 499.4 603.7 +104.2 4 168.1 249.8 +81.7 5 (28.2) (35.0) (6.7) 6 815.4 927.0 +111.6 7 (Expense ratio) 60.0% 53.4% (6.6)ppt 8 542.9 809.0 +266.0 9 (46.9) (72.0) (25.1) 10 30.3 98.9 +68.6 11 31.5 103.4 +71.9 12 157.9 261.5 +103.6 13 24.2 20.5 (3.7) 14 708.5 1,117.9 +409.3 15 20.0 0.3 (19.7) 16 546.0 809.4 +263.3 <Reference> 17 ROE (JPX basis) 10.8% 14.4% +3.6ppt (\bn) FY25 1Q FY26 1Q Net operating profits Total credit costs Net gains (losses) on equity securities G&A expenses Gross profits (before credit costs for trust accounts) Net interest income Trust fees + Net fees and commissions Net trading profits (losses) + Net other operating profits Profits attributable to owners of parent Net gains (losses) on debt securities Equity in earnings of equity method investees Other non-recurring gains (losses) Ordinary profits (losses) Net extraordinary gains (losses) Net gains (losses) on sales of equity securities Progress 28% 30% Income Statement Summary Income Statement 【Consolidated】 Gross profits (FX impact: approx. ¥75.0bn) • Gross profits increased significantly by higher net interest income due to benefit of higher JPY interest rates and growth of loan balances, strong performance in fee income across solutions, lending-related businesses, and asset management in both domestic and overseas, as well as higher revenue in Sales & Trading G&A expenses (FX impact: approx. ¥35.0bn) • Despite higher expenses due to inflation, strategic expense allocation for the growth, and cybersecurity initiatives, growth in gross profits offset the increase resulting in an improved expense ratio Total credit costs • Increased due to rebound from the reversal of large loan loss provisions accounted in the previous year Equity in earnings of equity method investees • Increased significantly by strong performance of Morgan Stanley and etc. Profits attributable to owners of parent • Achieved record-high net income for the 1st quarter • Progress toward the full-year target of ¥2.7tn stands favorable at 30% 1 2 3 4 5 1 2 3 4 5
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4 (Reference) Results by business group (1/2) CWM*1R&D*1 *1 Managerial accounting basis. Local currency basis *2 Domestic business only *3 Real estate *4 Includes real estate securitization, etc. JCIB*1 GCIB*1 FY25 1Q FY26 1Q YoY 195.3 252.8 +57.4 Loan and deposit interest income 88.9 122.2 +33.3 Domestic and foreign settlement / forex 25.4 26.1 +0.7 Derivatives, solutions 20.3 30.6 +10.3 RE*3, corporate agency, inheritance 12.3 14.2 +2.0 Investment product sales 39.8 56.0 +16.3 110.2 122.2 +11.9 Expense ratio 56% 48% (8)ppt 85.1 130.6 +45.5 62.7 87.9 +25.1 (\bn) Gross profits Expenses Net operating profits Net income FY25 1Q FY26 1Q YoY 223.5 272.9 +49.4 Loan and deposit interest income 127.8 152.3 +24.5 Domestic and foreign settlement / forex *2 22.4 22.2 (0.1) Derivatives, solutions*2 15.0 31.4 +16.4 RE*3, corporate agency 17.2 20.8 +3.6 M&A・DCM･ECM*4 13.2 16.8 +3.6 Overseas Non-Interest income 22.3 23.3 +1.0 92.4 98.6 +6.3 Expense ratio 41% 36% (5)ppt 131.1 174.3 +43.2 116.9 139.4 +22.5 (\bn) Gross profits Expenses Net operating profits Net income FY25 1Q FY26 1Q YoY 177.7 222.3 +44.6 Loan and deposit interest income 87.1 104.1 +17.0 Commission 73.5 95.0 +21.5 Forex, derivatives 7.7 11.8 +4.1 DCM・ECM 7.1 8.5 +1.5 96.4 100.7 +4.3 Expense ratio 54% 45% (9)ppt 81.3 121.6 +40.3 63.9 81.1 +17.1 (\bn) Gross profits Expenses Net operating profits Net income 【Consolidated】 FY25 1Q FY26 1Q YoY 252.0 289.4 +37.4 Loan and deposit interest income 76.4 105.4 +29.0 Domestic and foreign settlement / forex 11.0 11.3 +0.3 Investment product sales 13.5 20.4 +6.8 Card settlement 60.7 63.4 +2.7 Consumer finance 79.9 83.1 +3.2 188.0 207.4 +19.3 Expense ratio 75% 72% (3)ppt 64.0 82.0 +18.0 22.9 23.4 +0.4 (\bn) Gross profits Expenses Net operating profits Net income
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5 (Reference) Results by business group (2/2) AM/IS*1GCB*1,2 *1 Managerial accounting basis. Local currency basis *2 KS: After GAAP adjustment. Includes only figures attributable to GCB and excludes figures attributable to other business groups. BDI: Entity basis Global Markets*1 FY25 1Q FY26 1Q YoY 125.2 134.4 +9.2 AM 36.4 37.8 +1.4 IS 68.7 73.8 +5.0 Pension 20.0 22.8 +2.8 91.0 96.6 +5.6 Expense ratio 73% 72% (1)ppt 34.2 37.8 +3.6 23.0 24.9 +2.0 (\bn) Gross profits Expenses Net operating profits Net income FY25 1Q FY26 1Q YoY 163.6 271.5 +107.9 Sales & trading 79.6 99.7 +20.1 Treasury 72.7 170.0 +97.3 71.1 75.6 +4.5 Expense ratio 43% 28% (16)ppt 92.6 195.9 +103.3 Sales & trading 21.9 38.6 +16.7 Treasury 59.8 156.0 +96.2 81.7 128.7 +47.1Net income Gross profits Expenses Net operating profits (\bn) FY25 1Q FY26 1Q YoY 159.8 169.7 +9.9 KS 118.2 126.4 +8.3 BDI 37.8 45.4 +7.5 89.4 96.5 +7.1 56% 57% +1ppt KS 57.7 63.9 +6.2 (Expense ratio) 49% 51% +2ppt BDI 21.3 24.2 +2.9 (Expense ratio) 56% 53% (3)ppt 70.4 73.2 +2.8 KS 60.4 62.5 +2.1 BDI 16.5 21.2 +4.6 24.5 34.0 +9.5 KS 20.5 18.5 (2.0) BDI 5.8 8.6 +2.8 (\bn) Gross profits Expenses Net operating profits Net income (Expense ratio) 【Consolidated】
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6 (Reference) Breakdown by Entity Breakdown of Net Income*1 Financial Summary of Major Entities*2 *1 The figures reflect the percentage holding in each subsidiary and equity method investee *2 Figures except the Bank and the Trust Bank are approx. and before consolidation adjustments. The equity holding ratio of MUFG is not reflected in net income (ACOM: Approx. 39.6%, KS: Approx. 76.9%, BDI: Approx. 92.5％) *3 YoY figures include an increase in income taxes – deferred toward profit side as a result of a change in the company classification relating to the recoverability of deferred tax assets (¥bn) (\bn) FY26 FY26 FY26 1Q YoY 1Q YoY 1Q YoY Gross profits 961.1 +280.9 126.0 +38.4 90.4 +11.6 NOP 540.7 +220.6 65.9 +32.5 31.6 +25.9 Net income 485.1 +170.1 60.4 +23.7 24.8 +16.5 (\bn) FY26 FY26 FY26 1Q YoY 1Q YoY 1Q YoY Gross profits 14.9 +3.3 64.3 +2.5 76.9 +4.7 NOP 7.0 +2.5 11.5 +7.5 50.3 +4.3 Net Income 5.0 +1.6 1.1 +5.0 19.1 (14.9) (\bn) FY26 FY26 FY26 1Q YoY 1Q YoY 1Q YoY Gross profits 191.3 +31.0 56.2 +11.0 21.7 +0.6 NOP 90.3 +13.6 24.1 +6.0 2.2 (2.1) Net Income 35.6 +1.5 10.4 +3.6 2.6 (0.5) KS BDI FSG the Bank the Trust Bank the Securities HD MUAM NICOS ACOM 【Consolidated】 *3 *4 the Bank 485.1 the Trust Bank 60.4 the Securities HD 24.8 MUAM 5.0 NICOS 1.1 ACOM 7.5 KS 27.3 BDI 9.6 FSG 2.6 MS 222.2 Other (36.7) MUFG 809.4
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7 92.7 93.6 94.1 94.0 94.2 94.8 83.5 86.2 82.9 84.4 91.0 87.1 47.7 48.6 47.6 48.7 54.1 54.9 224.0 228.5 224.7 227.2 239.4 236.9 24/3 25/3 25/6 25/9 26/3 26/6 14.2 14.2 14.3 14.3 14.4 14.4 52.1 52.2 53.9 54.5 60.1 61.5 2.6 7.9 7.6 5.5 3.4 0.7 46.8 46.3 46.2 48.4 55.5 57.3 2.4 2.0 1.8 1.9 1.6 1.7118.3 122.9 124.0 124.8 135.2 135.7 24/3 25/3 25/6 25/9 26/3 26/6 Balance Sheet Summary Overview of Balance Sheet Housing Loans Corporates*2 Governments, etc. Overseas*3 Others Individuals*6 Corporates, etc. *6 Overseas*7 Loans (Period End Balance)*1 Deposits (Period End Balance) (¥tn) (¥tn) Overseas: +¥1.7tn from End Mar 26 (+¥1.0tn excluding FX impact) Overseas: +¥0.7tn from End Mar 26 (¥(0.0)tn excluding FX impact) (\tn) Total Assets 61.5 94.8 57.3 87.1 0.7 54.9 30.6 32.0 63.3 Deposits Others Net Assets 24.1 (2.5) +0.7 (3.8) +0.6 135.7 236.9+0.5 +4.2 +0.4 209.9 Foreign bonds Domestic bonds BOJ current account*5 (6.0) (0.7) +2.0 (0.7) Others 433.9 +2.1 172.7 Governments, etc. Overseas*3 Corporates*2 (2.7) +1.7 +1.4 Investment Securities*4 Loans*1 Overseas*7 Corporates, etc.*6 Individuals*6 88.1 +2.4 vs End Mar 26 vs End Mar 26 As of End Jun 26 【Consolidated】 *1 Banking + trust accounts *2 Domestic only. Excludes loans to governments and governmental institutions and includes foreign currency-denominated loans *3 Loans booked in overseas branches, MUAH, KS, BDI, the Bank (China), the Bank (Malaysia) and the Bank (Europe) *4 Banking accounts *5 Non-consolidated + The Master Trust Bank of Japan *6 Non-consolidated. Domestic only *7 Overseas and others vs End Mar 26
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8 Domestic Corporate Lending Spreads*2,4,5 Domestic Deposit / Lending Rates*4,5Loan Balance (Period End Balance)*1 1.13% 1.18% 1.20% 1.32% 1.47% 0.95%0.99%0.99% 1.05%1.16% 0.17%0.19%0.20%0.26%0.30% 0.0% 0.4% 0.8% 1.2% 1.6% 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q Lending rate Differences in yield between Lending rate and Deposit rate Deposit rate 【Consolidated / Non-Consolidated】 (¥tn) ¥(1.3)tn from end Mar.26 SMEs*2,3 Governments, etc. Large Corporates *2 Housing loans 2023 2024 2025 2026 2023 2024 2025 2026 0.64% 0.65%0.64% 0.65% 0.68% 0.62% 0.65%0.65% 0.65% 0.68% 0.5% 0.6% 0.7% 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q SME Large corporate*6 *1 Banking + trust accounts *2 Includes foreign currency-denominated loans *3 Domestic loans to small / medium-sized companies and proprietors, excluding domestic consumer loans *4 Excludes loans to government and governmental institutions *5 On a managerial accounting basis. Non-consolidated *6 Excludes the impact of collective recording of interest received at fiscal year-end of FY23, FY24 and FY25 via subsidized interest payment programs *7 Figures have been retrospectively adjusted to exclude previously accrued interest following the change to non-accrual treatment in FY25 3Q *7 Domestic Loans 14.2 14.2 14.3 14.3 14.4 14.4 26.0 27.2 27.2 27.8 31.0 30.6 26.1 25.0 26.6 26.7 29.1 30.9 2.6 7.9 7.6 5.5 3.4 0.7 69.1 74.5 75.8 74.4 78.1 76.7 24/3 25/3 25/6 25/9 26/3 26/6
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9 1.40%1.39% 1.40%1.40% 1.39% 1.1% 1.2% 1.3% 1.4% 1.5% 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q Overseas Loans Overseas Deposit / Lending Rates Overseas Lending Spreads*3,5 4.19%4.51% 4.71% 4.61%4.65% 1.74%1.80%1.75% 1.78%1.78% 7.9% 7.7% 7.5% 7.3% 7.6% 0.0% 2.0% 4.0% 6.0% 8.0% 10.0% 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q BDI: Net interest margin KS: Net interest margin Non-Consolidated: Differences in yield between Lending rate and Deposit rate*3 *2 Loan Balance (Period End Balance) 【Consolidated / Non-Consolidated】 (¥tn) q *1,4 +¥1.7tn from end Mar.26 (+¥1.0tn excluding FX impact) Americas EMEA Asia / Oceania KS BDI 2023 2024 2025 2026 2023 2024 2025 2026 *1 Financial results as disclosed in BDIʼs financial reports based on Indonesia GAAP *2 Financial results as disclosed in KSʼs financial reports based on Thai GAAP *3 On a managerial accounting basis. Non-consolidated *4 Following the merger of PT Adira Dinamika Multi Finance Tbk and PT Mandala Multifinance Tbk, both consolidated subsidiaries of the Bank, figures for FY25 1Q through 4Q have been retrospectively adjusted. Figures for FY25 2Q through FY25 4Q are approximate *5 Estimated figures individually adjusted for large fluctuations related to sold loan assets from FY24 1Q to FY25 1Q 16.2 15.4 15.3 16.1 18.8 19.4 8.3 8.5 8.9 9.2 10.9 11.4 14.5 14.3 14.0 14.4 16.8 17.2 6.3 6.4 6.3 7.0 7.2 7.4 1.4 1.6 1.5 1.5 1.7 1.8 46.8 46.3 46.2 48.4 55.5 57.3 24/3 25/3 25/6 25/9 26/3 26/6
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10 (46.1)(5.8) (222.9) (515.5) (331.4) (674.8) (497.9) (108.7) (355.8) (72.0) 17 18 19 20 21 22 23 24 25 26 1Q the Bank CF Overseas Others EMEA 155.2 171.5 127.8 103.6 71.9 Americas 102.1 601.5 124.0 205.6 199.5 Asia 370.2 420.7 491.8 477.2 462.7 Domestic 935.8 813.7 786.7 674.2 503.7 Breakdown*2 Asset Quality Non-Performing Loans Total Credit Costs (¥bn) (¥bn) FY Build Reversal NPL ratio*1 1,563.4 2,007.5 1,530.4 1,460.7 1,238.0 1.26% 1.51% 1.11% 0.96% 0.80% 23/3 24/3 25/3 26/3 26/6 (72.0) (350.0) (14.3) (3.6) (6.1) (1.1) (46.9) FY25 1Q the Bank CF Over seas Others FY26 1Q FY26 (¥bn) Breakdown of Changes in Total Credit Costs *4 *6 *4 【Consolidated】 *3 *3 Increase Decrease Costs CF (29.9) the Bank 14.8 *5 *5 Overseas (56.5) *1 Total non-performing loans ÷ Total loans *2 Regions are based on the borrowersʼ location *3 Sum of NICOS and ACOM on a consolidated basis *4 Sum of overseas subsidiaries of the Bank *5 Sum of other subsidiaries and consolidation adjustment
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11 Unrealized gains (losses) on foreign bonds reflected hedging positions etc.*1 127 169 276 139 154 166137 216 143 FY18-20 FY21-23 FY24-26 FY25 20 603 (\tn) End Jun 26 vs End Mar 26 End Jun 26 vs End Mar 26 1 26.85 +0.84 ー ー 2 58.38 +0.59 3.07 +0.36 3 4.09 +0.35 3.19 +0.37 4 16.16 +1.37 (0.28) +0.00 5 Japanese government bonds 14.49 +1.14 (0.13) +0.00 6 38.12 (1.13) 0.16 (0.01) 7 Foreign equity securities 0.91 +0.07 0.18 +0.06 8 Foreign bonds 27.68 (0.61) (0.17) (0.03) 9 Others 9.51 (0.59) 0.16 (0.04) Balance Unrealized gains (losses) Available-for-sale (AFS) Domestic equity securities Domestic bonds Others Held-to-maturity (0.12) (0.13) (0.24) (0.29) (0.28) (0.28) (0.2) (0.2) (0.2) (0.3) (0.2) (0.3) 24/3 24/9 25/3 25/9 26/3 26/6 Investment Securities (1/2) Securities with Fair Value *1 On a managerial accounting basis. Approximate amounts *2 Sum of the Bank and the Trust Bank. Approximate amounts *3 Mid Term Business Plan *4 Agreed with the client, planning to be sold in this MTBP (0.99) (0.56) (0.11) 0.00 (0.14) (0.17) (0.5) (0.5) 0.1 0.0 0.1 0.0 24/3 24/9 25/3 25/9 26/3 26/6 Unrealized gains (losses) on domestic bonds reflected hedging positions etc.*1 Unrealized Gains (Losses) on AFS Securities (¥tn) Reduction of Equity Holdings*2 • As of the end of Jun 26, the cumulative sold amount of equity holdings during current MTBP*3 was ¥460bn • Including the remaining agreed but unsold amount, total expected sales during the current MTBP has been increased to ¥603bn Sold amount (Acquisition Cost Basis) Agreed amount*4 Total 403 Total 539 FY18 FY19 FY20 FY21 FY22 FY23 (¥bn) Target 700 FY24 Sold amount in 1Q for each fiscal year 2217 23 11 22 22 15 18 FY26 【Consolidated / Non-Consolidated】
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12 Investment Securities (2/2) Domestic Bond Balance*1 and Duration*2 Foreign Bond Balance*1 and Duration*2 (¥tn)(¥tn) *1 AFS securities and held-to-maturity (HTM) securities. Non-consolidated *2 AFS securities only. Foreign bond: On a managerial accounting basis, approximate value *3 Average duration including the balance of AFS securities and loans to the Japanese government and governmental organizations 【Non-Consolidated】 *3 22.3 16.8 17.9 11.5 13.7 14.3 8.7 7.5 7.5 7.7 4.4 5.6 4.2 4.9 6.9 9.3 10.0 10.0 0.6 0.9 1.9 0.5 0.0 0.0 14.6 13.1 13.3 13.1 15.2 16.1 35.9 30.3 34.3 29.1 28.3 30.1 1.0 1.9 3.0 3.1 1.5 1.2 1.4 2.2 2.3 1.2 1.2 24/3 24/9 25/3 25/9 26/3 26/6 Within 1 year 1 year to 5 years 5 years to 10 years Over 10 years HTM Average duration (year) Average duration (year) 2.9 3.2 3.4 5.5 5.2 5.1 6.7 6.0 6.5 3.0 5.8 5.0 4.6 4.0 4.5 5.8 3.4 3.8 10.8 13.0 12.1 16.6 16.0 15.6 25.2 26.4 26.7 31.0 30.6 29.6 7.1 6.2 6.0 6.4 6.3 6.1 5.0 4.9 4.5 4.1 3.7 3.8 24/3 24/9 25/3 25/9 26/3 26/6 Within 1 year 1 year to 5 years 5 years to 10 years Over 10 years HTM Average duration (year)
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13 88.3 145.9 (7.8) (13.2) 48.2 50.7 18.9 18.2 7.8 9.2 12.5 38.9 168.1 *2 249.8 *2 00 168.1 218.7 59.4 69.936.5 45.5 11.3 14.6 59.4 62.6 21.8 23.7 29.0 34.5 26.9 34.0 19.8 22.7 22.2 23.7 44.4 53.4 499.4 603.7 FY25 FY26 423.6 596.4 35.9 69.3 49.5 52.5 125.5 148.0 35.9 46.4 20.0 (30.4) 690.7 882.3 (Reference) Breakdown of Gross profits by Entity Net Interest Income Trust Fees + Net Fees and Commissions Net Trading Profits + Net Other Operating Profits （¥bn） （¥bn）（¥bn） *1 Non-consolidated. Includes following gains and losses on investment trusts cancellation: FY25 1Q: the Bank ¥13.5bn, the Trust Bank ¥4.4bn | FY26 1Q: the Bank ¥45.9bn, the Trust Bank ¥19.5bn, respectively *2 Includes net gains and losses on debt securities of FY25 1Q: ¥(28.2)bn | FY26 1Q: ¥(35.0)bn, respectively 【Consolidated】 Domestic 364.4 Non- Domestic 231.9 Domestic 73.5 Non- Domestic 94.6 Domestic 72.9 Non- Domestic 145.8 the Bank the Trust Bank KS BDI the Bank the Trust Bank NICOS KS FSG the Securities HD MUAH the Bank the Securities HD ACOM MUAH KSACOM MUAM Domestic 234.2 Non- Domestic 189.4 Others Others Others *1 *1 FY25 1Q FY26 1Q FY25 1Q FY26 1Q FY25 1Q FY26 1Q the Trust Bank MPMS
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14 542.9 809.0 1,652.7 1,396.9 1,189.1 1,515.5 1,501.6 1,507.4 1,539.2 1,464.1 1,644.9 1,557.9 1,418.2 1,232.8 1,078.5 1,184.4 1,248.4 1,216.7 1,594.2 1,843.7 1,591.1 2,377.2 2,900.0 FY06 FY07 FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY2 1F Y 2 2F Y 2 3F Y 2 4F Y 2 5F Y 2 6 1Q 2Q 3Q 4Q 546.0 809.4 880.9 636.6 (256.9) 388.7 583.0 981.3 852.6 984.8 1,033.7 951.4 926.4 989.6 872.6 528.1 777.0 1,130.8 1,116.4 1,490.7 1,862.9 2,427.2 2,700.0 FY06 FY07 FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY2 1 FY22 FY23 FY24 FY25 FY26 1Q 2Q 3Q 4Q (Reference) Historical data since MUFG establishment Net Operating Profits Profits Attributable to Owners of Parent 【Consolidated】 （¥bn） （¥bn） Target Target
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15 • MUFG Report highlights management messages, MUFG's strengths and long-term vision • The full version of MUFG Report 2026 is scheduled to be released in late August 2026 Our Disclosure - MUFG Report 2026 (Integrated Report) https://www.mufg.jp/english/ir/report/annual_report/index.html CEO Message︓Strong Today, Stronger Tomorrow • MUFGʼs commitments, manifest over our first 20 years • The prevailing environment & its challenges • Progress & strategic direction • Forging our future with unique capabilities & enduring principles • Aspiring to grow and resolving to convert challenges into results Highlights of MUFG Report 2026 Explore a range of featured content, including messages from our Group CFO/CSO/CHRO, a tripartite dialogue between MUFG, Sakana AI and WealthNavi, and messages from directors on corporate governance. You can also find a video overview of the Integrated Report by Group CFO, available in late August. Whatʼs New
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16 Disclaimer • Gross profits: Gross profits before credit costs for trust accou nts • Net operating profits: Net operating profits before credit costs for trust accounts and provision for general allowance for credit losses • Total credit costs: Credit costs for trust accounts＋Provision fo r general allowance for credit losses＋Credit costs＋Reversal of allowance for credit losses＋ Reversal of reserve for contingent losses included in credit costs＋Gains on loans written-off • Consolidated: Mitsubishi UFJ Financial Group (consolidated) • Non-consolidated: MUFG Bank (non-consolidated) + Mitsubishi UFJ Trust and Banking (non-consolidated) (without any adjustments) • R&D: Retail & Digital Business Group • CWM: Commercial Banking & Wealth Management Business Group • JCIB: Japanese Corporate & Investment Banking Business Group • GCB: Global Commercial Banking Business Group • AM/IS: Asset Management & Investor Services Business Group • GCIB: Global Corporate & Investment Banking Business Group • Global Markets: Global Markets Business Group • the Bank: MUFG Bank • the Trust Bank: Mitsubishi UFJ Trust and Banking • the Securities HD: Mitsubishi UFJ Securities Holdings • MUMSS: Mitsubishi UFJ Morgan Stanley Securities • MUAM: Mitsubishi UFJ Asset Management • NICOS: Mitsubishi UFJ NICOS • MUAH: MUFG Americas Holdings • KS: Bank of Ayudhya (Krungsri) • BDI: Bank Danamon • FSG: First Sentier Group • MPMS: MUFG Pension & Market Services • MS: Morgan Stanley Definitions of Figures and Abbreviations Used in This Document This document contains forward-looking statements regarding estimations, forecasts, targets and plans in relation to the results of operations, financial conditions and other overall management of the company and/or the group as a whole (the “forward-looking statements”). The forward- looking statements are made based upon, among other things, the companyʼs current estimations, perceptions and evaluations. In addition, in order for the company to adopt such estimations, forecasts, targets and plans regarding future events, certain assumptions have been made. Accordingly, due to various risks and uncertainties, the statements and assumptions are inherently not guarantees of future performance, may be considered differently from alternative perspectives and may result in material differences from the actual result. For the main factors that may affect the current forecasts, please see Consolidated Summary Report, Annual Securities Report, Disclosure Book, Annual Report, and other current disclosures that the company has announced. The financial information included in this financial highlights is prepared and presented in accordance with accounting principles generally accepted in Japan (“Japanese GAAP”). Differences exist between Japanese GAAP and the accounting principles generally accepted in the United States (“U.S. GAAP”) in certain material respects. Such differences have resulted in the past, and are expected to continue to result for this period and future periods, in amounts for certain financial statement line items under U.S. GAAP to differ significantly from the amounts under Japanese GAAP. For example, differences in consolidation basis or accounting for business combinations, including but not limited to amortization and impairment of goodwill, could result in significant differences in our reported financial results between Japanese GAAP and U.S. GAAP. Readers should consult their own professional advisors for an understanding of the differences between Japanese GAAP and U.S. GAAP and how those differences might affect our reported financial results. To date, we have published U.S. GAAP financial results only on a semiannual and annual basis, and currently do not expect to publish U.S. GAAP financial results for the period reported in this document.