Mitsubishi UFJ Financial Group Bank of Tokyo … The Bank of Tokyo-Mitsubishi UFJ, Ltd. Introduction Mitsubishi UFJ Financial Group (MUFG) is one of the world’s largest and most

June 2011

Mitsubishi UFJ Financial Group

Bank of Tokyo-Mitsubishi UFJ

Overview of Global Business

1

The Bank of Tokyo-Mitsubishi UFJ, Ltd.

Introduction

�Mitsubishi UFJ Financial Group (MUFG) is one of the world’s largest and most

diversified financial groups with total assets of JPY204 trillion as of March 31, 2010.

�The group comprises five primary operating companies, including The Bank of Tokyo-

Mitsubishi UFJ, Ltd., Mitsubishi UFJ Trust and Banking Corporation, Mitsubishi UFJ

Morgan Stanley Securities 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 and 500 offices

around the world.

2


Holding Company

Mitsubishi UFJ Financial Group (“MUFG”)

Mitsubishi UFJ Securities

Holdings (“MUS”)

Mitsubishi UFJ Trust and

Banking (“MUTB”)Bank of Tokyo-Mitsubishi UFJ

(“BTMU”)

MUFG business platform

�Leading comprehensive financial group, comprising a diverse range of leading

companies in a broad range of financial businesses.

�Operations are divided among the following core group companies.

Union Bank (“UB”)

Mitsubishi UFJ

Morgan Stanley Securities

Mitsubishi UFJ

Securities International

Bank of Tokyo-Mitsubishi UFJ: Japan’s largest bank by market value

Mitsubishi UFJ Trust and Banking: Leading trust bank in Japan

Mitsubishi UFJ Securities Holdings: One of the largest securities firms in Japan

Union Bank: California based commercial bank (wholly owned by BTMU)

100% 100% 100%

Mitsubishi UFJ

Securities USA

3


Ratings

* Deposit rating only

�MUFG and major group companies are rated by the world leading rating agencies with

favorable ratings.

F1

A

A-1

A+

P-1*

Aa2

Bank of Tokyo-

Mitsubishi UFJ

F1

A

A-1

A+

P-1*

Aa2*

Mitsubishi UFJ

Trust & Banking

-

-

-

-

P-1

A1

Mitsubishi UFJ

Securities Holdings

-Short-Term

-Long-Term

FITCH

-Short-Term

ALong-Term

S&P

-Short-Term

-Long-Term

Moody’s

Mitsubishi UFJ

Financial Group

4


MUFG global network

�Solid customer base; approximately 40 million retail accounts and 400,000 corporate

clients with over 500 locations in more than 40 countries

AmericasVancouver

Toronto

Montreal

Seattle

San Francisco

Los Angeles

Minnesota

Chicago

Kentucky

Atlanta

Dallas

Houston

Boston

New York

Washington

Grand Cayman

Mexico City

Caracas

Bogota

Lima

Rio de Janeiro

San Paulo

Buenos Aires

Santiago

Asia & OceaniaSydney Chengdu

Melbourne Wuxi

Auckland Guangzhou

Jakarta Shenzhen

Labuan Shanghai

Kuala Lumpur Tianjin

Singapore Beijing

Bangkok Shenyang

Ho Chi Minh Tianjin Binhai

Hanoi Dalian

Manila Guangzhou Nansha

Yangon Shanghai Hongqiao

Chennai

Mumbai

New Delhi

Karachi

Dhaka

Hong Kong

Taipei

Seoul

EMEALondon

Birmingham

Paris

Madrid

Lisbon

Barcelona

Brussels

Luxembourg

Amsterdam

Geneva

Dusseldorf

Munich

Frankfurt

Hamburg

Berlin

Warsaw

Prague

Vienna

St. Petersburg

Moscow

Istanbul

Cairo

Johannesburg

Tehran

Bahrain

Doha

Abu Dhabi

Dubai

Bank of Tokyo-Mitsubishi UFJ

Mitsubishi UFJ Securities Holdings

Mitsubishi UFJ Trust and Banking

5


At a glance (1)

(25.04)29.5739.95Earning per shares (in JPY)

(3.97%)4.92%6.89%ROE

5.43

11.33%

14.89%

1.68%

124,144.3

79,995.0

206,227.0

583.0

3,522.5

March 2011

92,056.884,880.6Loans and bills discounted

120,149.5123,891.9Deposits

1.24%1.50%NPL ratio

11.77%14.87%BIS risk-adjusted capital ratio

7.76%10.63%Tier 1 ratio

5.546.93Market Capitalization (in trillion of JPY)

198,733.9204,106.9Total assets

(256.9)388.7Net income

3.272.93,600.4Gross profit

March 2009March 2010(in billions of JPY)

�Consolidated financial summary and data of MUFG* * Under Japanese GAAP (not U.S. GAAP)

6


At a glance (2)

Total Assets

Loans

Deposits

Source: Banks IR, BTMU Economic Research Office

(in trillions of JPY, as of Dec 2010)

202.6

77.2

118.8

MUFG

BNP Paribas

RBS BOA Credit

AgricoleJP Morgan

Chase

Barclays

JapanPostBankHSBC

DB

ICBC

Santander

LloydsBankingGroup

HSBC MUFGBOA

BNP

ParibasRBS

BOC

ChinaConstruction

Bank

Japan Post Bank

MUFGICBC

JP Morgan

Chase

Agricultural

Bank of

China

BOCHSBC

BOA SMFG

ChinaConstruction

Bank

7


Financial Highlights ～ MUFG performance

3,5243,6003,727

3,5133,273

Gross Profit (in billions of JPY)

583

389

881

637

(257)

Net Income (in billions of JPY)

39.95

86.79

61.00

(25.04)

29.57

Earnings per share (in JPY)

FY 06 FY 07 FY 08 FY 09

6.89

11.78

7.99

(3.97)

4.92

ROE (%)

FY 06 FY 07 FY 08 FY 09

FY 06 FY 07 FY 08 FY 09

FY 06 FY 07 FY 08 FY 09

Note: FY 10 ends on March 31, 2011

FY 10 FY 10

FY 10

FY 10

8


226.2 261.8

65.8 59.8

240.5 236.7

421.2 433.5

447.0 402.5

0

400

800

1,200

1,600

Mar 2010 Mar 2011

Domestic Corporate

31%

Trust Assets

4%

Global Markets, Others

19%

Domestic Retail

29%

Overseas

17%

Business Portfolio

�Change in MUFG net operating profit by business segment

(in billions of JPY)

1,400.6 1,394.4

9


Geographical Contribution ～ Profit by region

BTMU gross profit by region

EMEA

Union Bank


*FY10 ends March 31, 2011

0

350

700

FY07 FY08 FY09 FY10

BTMU net operating profit by region

Asia (ex. Japan)

Americas

0

200

400

FY07 FY08 FY09 FY10

54% 47% 45% 47%

11%

15% 15%

14%15%

16%18%

17%

21%

23%

22%

22%

43% 35% 31% 32%

12%

18% 20% 18%15%

17%22% 20%

30%

30%

28% 29%


10


Solid capital base

7.63% 7.76%

9.13%

10.63%11.57% 11.33%

4.00%

6.00%

8.00%

10.00%

12.00%

14.00%

Sep 08 Mar 09 Sep 09 Mar 10 Sep 10 Mar 11

� MUFG has been committed to improving capital in terms of both quality and quantity

through appropriate and proactive capital management responding to changes in the

business environment

Tier 1 ratio

Change in risk-adjusted capital ratios (based on the Basel II standards)

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2010 rankings ～Global CIB business

�Global CIB business has been an important pillar of MUFG’s sustainable growth strategy.

In 2010, MUFG performed well in the global debt markets.

10US loans - Bookrunners

4Latin America loans – Mandated arranger

10Asia loans (ex. Japan) – Mandated arranger

6Australia loans – Mandated arranger

3Global loans – Mandated arranger

4Project finance / EMEA – Mandated arrangers (incld. RBS assets)

8Project finance / Asia – Mandated arrangers

4US capital markets / high yield corporate - Co-Manager

1US capital markets / investment grade – Co-Manager

10Global Middle East bonds & loans - Bookrunners

1Project finance / Americas – Mandated arrangers

8Global project finance – Mandated arrangers

12Global investment banking – Top fee players

RankContents (Full year 2010 / Thomson Reuters)

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League tables

Americas Project Finance

-Mandated Arrangers

Source: Thomson Reuters

(Proceeds, in millions of US$, 2010 full year)3,307

6,138

123,846

MUFG

SMFGSG Santander West LB

UniCredit

MizuhoScotia

Bank

ING

Credit

Agricole

CIB

State Bank of India

IDBI

Bank

Bank of

TaiwanAxis

Bank

MUFG

Infrastructure

Dev Finance

BNP

Paribas

SGSMFG

BOA

MUFG

JP Morgan

DB

Wells

Fargo RBS SMFG

Citi

Global Project Finance

-Mandated Arrangers

Global Syndicated Loans

-Mandated Arrangers

Credit

Agricole

CIB

Mizuho BNP

Paribas

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Global strategic investments and alliances

MUFG

Investment and

business alliance

(22.4%)*

Morgan StanleyU.S.

MUSBusiness allianceDaewoo SecuritiesKorea

Aberdeen

Union Bank

CIMB Group

Bank Nusantara

Parahyangan

Vietcombank

ICICI

Bank of China

Investment and

business alliance

(18.75%)

a wholly owned

subsidiary

Additional investment

(4.1%)

Investment

(15.2%)

Alliance

Business alliance

Investment and

business alliance

(0.2%)

MUTBScotland

BTMUU.S.

BTMUMalaysia

BTMUIndonesia

BTMUVietnam

MUSIndia

BTMUChina

�MUFG has a strong commitments to the world financial market. Since 2006, MUFG has

made some investments and alliances all over the world.

*MUFG and Morgan Stanley entered into an agreement to convert preferred stock into

common stock. The transaction is subject to certain closing conditions, including

receipt of required regulatory approvals in certain jurisdictions globally. MUFG will

own 22.4% of Morgan Stanley’s common stock and Morgan Stanley will be

applicable to the equity method of accounting for MUFG’s investment through the

transaction above

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Union Bank

�Union Bank is one of the largest regional banks headquartered in California, with

approximately 150 years of history. 400 branches, mainly in California, provide a solid

foundation and Union Bank is ranked 20th in the U.S. and 3rd in California in terms of total

deposits.

� In November 2008, BTMU completed the acquisition of all of the shares of UNBC (Union

Bank’s parent holding company) not owned by BTMU and as a result, UNBC became a

wholly owned indirect subsidiary of MUFG.

* Figures for FY2010 or as of the end of 2010

$985 billionNet business profits

$573 billion

$60 billion

$48 billion

$79 billion

c11,000

400

San Francisco

Net income

Total deposits

Total loans

Total assets

Employees

Branches

Head officeRevenue Breakdown (FY2010)

[by segments] [by account type]

Portfolio is well balanced between corporate and

retail segments.

Corporate

55%

Retail

40%

Others

5%

Net interest

income 73%

Fees &

commissions

16%

Trading, etc.

11%

15


Strategic alliance with Morgan Stanley

Customers in the Americas

U.S. Loan Marketing

Joint Venture

Hedging needs

Customers of

Morgan Stanley

Hedge contracts

� Energy

� Metal

� Agriculture, etc.

Refer customers reciprocally

� Syndicated Loans

� Capital markets

� Derivatives, etc.

Joint marketing

Morgan Stanley MUFG Loan Partners,

LLC

Customers of

BTMU

Customers of

BTMU

Refer customers

50%

50%

E.g.:MUFG and MS jointly made a syndicated

loan proposal (USD 900MM) for an

EMEA oil company and built the

structure as joint arrangers (making use

of BTMU’s know-how in trade financing

and MS’s capability for commodities)

Referral fee

�On April 21 2011, agreed to convert MUFG’s outstanding convertible preferred stock in

Morgan Stanley into Morgan Stanley common stock. Move will further enhance Morgan

Stanley’s Tier 1 common capital and strengthen the two firms’ global strategic alliance.

Business Referral Arrangements

In Asia and EMEACommodities Referral

Agreement

16


Comparison with other Japanese banks

Total assets

(No.)

(¥ tn)Loans Housing loans Overseas Loans

Domestic Deposits Gross profits/ Fees, Trust fees Number of offices Number of employees

(¥ tn) (¥ tn) (¥ tn)

(¥ tn) (No.)(¥ bn)

Gross profitsDomestic

Overseas

2033.2

2504.7

3522.5

768.5516.1

1079.8

0

1,000

2,000

3,000

4,000

MUFG SMFG

Of which: Net fees & commissions + trust fees

449 435

79 39 33

728

0

500

1,000

MUFG SMFG

108.8

71.8 73.0

36.635.6

0

20

40

60

80

100

120

140

MUFG SMFG

38,496

30,608

22,524

0

10,000

20,000

30,000

40,000

50,000

MUFG SMFG

160.8137.8

206.2

0

50

100

150

200

250

MUFG Mizuho

FG

SMFG

79.9

62.7 61.3

20

40

60

80

100

MUFG SMFG

11.4

14.4

17.3

0

5

10

15

20

MUFG SMFG

11.7

7.1 7.3

0

3

6

9

12

15

MUFG SMFG

Deposits outstanding

Individual depositsoutstanding

64.3

Mizuho

FG

Mizuho

FG

Mizuho

FG

Mizuho

FGMizuho

FG

Mizuho

FGMizuho

FG

Note: as of March 31, 2011, quoted from financial reports of each group

17


No.1Service

No.1 Reliability

No.1 Global Coverage

18


This document contains forward-looking statements in regard to forecasts, targets and plans of Mitsubishi UFJ Financial Group, Inc. (“MUFG”) and its group companies (collectively, “the group”). These forward-looking statements are based on information currently available to the group and are stated here on the basis of the outlook at the time that this document was produced. In addition, in producing these statements certain assumptions (premises) have been utilized. These statements and assumptions (premises) are subjective and may prove to be incorrect and may not be realized in the future. Underlying such circumstances are a large number of risks and uncertainties. Please see other disclosure and public filings made or will be made by MUFG and the other companies comprising the group, including the latest kessantanshin, financial reports, Japanese securities reports and annual reports, for additional information regarding such risks and uncertainties. The group has no obligation or intent to update any forward-looking statements contained in this document.

In addition, information on companies and other entities outside the group that is recorded in this document has been obtained from publicly available information and other sources. The accuracy and appropriateness of that information has not been verified by the group and cannot be guaranteed.

The financial information used in this document was prepared in accordance with accounting standards generally accepted in Japan, or Japanese GAAP.

This presentation paper does not constitute any commitment with respect to any transaction involving any party.

© 2011 The Bank Of Tokyo-Mitsubishi UFJ, Ltd. All rights reserved.

Documents

Mitsubishi UFJ Financial Group Bank of Tokyo … The Bank of Tokyo-Mitsubishi UFJ, Ltd. Introduction Mitsubishi UFJ Financial Group (MUFG) is one of the world’s largest and most