Bank of Tokyo Mitsubishi UFJ

July 2012

Mitsubishi UFJ Financial Group Bank of TokyoMitsubishi UFJ Overview of Global Business

1 The Bank of TokyoMitsubishi UFJ, Ltd.

Introduction

n Mitsubishi UFJ Financial Group (MUFG) is one of the world’s largest and most diversified financial groups with total assets of JPY218.9 trillion as of March 2012.

n 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.

n MUFG’s services include commercial banking, trust banking, securities, credit cards, consumer finance, asset management, leasing and many more fields of financial services.

n 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.


Mitsubishi UFJ Securities Holdings (“MUS”)

Mitsubishi UFJ Trust and Banking (“MUTB”)

Union Bank (“UB”)

Mitsubishi UFJ Morgan Stanley Securities

Mitsubishi UFJ Securities International

Mitsubishi UFJ Securities (USA)

Mitsubishi UFJ Securities (Singapore)

Mitsubishi UFJ Securities (HK)

MUFG Business Platform

n Leading comprehensive financial group, comprising a diverse range of leading companies in a broad range of financial businesses.

n Operations are divided among the following core group companies.

Holding Company

Mitsubishi UFJ Financial Group (“MUFG”)

Bank of TokyoMitsubishi UFJ (“BTMU”)

100% 100% 100%

Bank of TokyoMitsubishi 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)


(Note)1. Deposit rating only

Mitsubishi UFJ Financial Group

Bank of Tokyo Mitsubishi UFJ

Mitsubishi UFJ Trust & Banking

Mitsubishi UFJ Securities Holdings

Moody’s LongTerm Aa3 Aa3 1 A2

ShortTerm P1 1 P1 1 P1

S&P LongTerm A A+ A+ A

ShortTerm A1 A1 A1

FITCH LongTerm A A

ShortTerm F1 F1

Ratings

n MUFG and major group companies are rated by the world leading rating agencies with favorable ratings. (Ratings as of July 20, 2012)


MUFG Global Network

n Solid customer base; approximately 40 million retail accounts and 500,000 corporate clients with over 500 locations in more than 40 countries

Bank of TokyoMitsubishi UFJ Mitsubishi UFJ Securities Holdings Mitsubishi UFJ Trust and Banking

n London n Birmingham n Paris n Madrid n Lisbon n Barcelona n Brussels n Luxembourg n Amsterdam n Geneva n Dusseldorf n Munich n Frankfurt n Hamburg n Berlin n Warsaw n Prague n Vienna n St. Petersburg n Moscow n Istanbul n Cairo n Johannesburg n Tehran n Bahrain n Doha n Abu Dhabi n Dubai n Almaty n Milano

EMEA

n Vancouver n Toronto n Montreal n Seattle n San Francisco n Los Angeles n Minnesota n Chicago n Kentucky n Atlanta n Dallas n Houston n Boston n New York n Washington n Grand Cayman n Mexico City n Caracas n Bogota n Lima n Rio de Janeiro n San Paulo n Buenos Aires n Santiago n Cayman

Americas n Chengdu n Wuxi n Guangzhou n Shenzhen n Shanghai n Tianjin n Beijing n Kowloon n Wuhan n Shenyang n East Tsim Sha Tsui

n Tianjin Binhai

n Dalian n Guangzhou Nansha

n Shanghai Hongqiao

n Qingdao n Tsim Sha Tsui

n Penang n Tokyo n Beijing ETDA

n Sydney n Melbourne n Auckland n Jakarta n Labuan n Kuala Lumpur

n Singapore n Bangkok n Bandung n Surabaya n Ho Chi Minh

n Phnom Penh

n Hanoi n Manila n Yangon n Perth n Chennai n Mumbai n New Delhi n Karachi n Dhaka n Hong Kong n Taipei n Seoul

Asia & Oceania


(in billions of JPY) March 2012 March 2011 March 2010 March 2009

Gross profit 3,502.0 3,522.5 3,600.4 3.272.9

Net income 981.3 583.1 388.7 (256.9)

Total assets 218,861.6 206,227.1 204,106.9 198,733.9

Loans and bills discounted 84,492.7 79,995.0 84,880.6 92,056.8

Deposits 124,789.3 124,144.3 123,891.9 120,149.5

NPL ratio 1.77% 1.68% 1.50% 1.24%

BIS riskadjusted capital ratio

14.91% 14.89% 14.87% 11.77%

Tier 1 ratio 12.31% 11.33% 10.63% 7.76%

Earning per shares (in JPY) 68.09 39.95 29.57 (25.04)

ROE 11.10% 6.89% 4.92% (3.97%)

Market Capitalization (in trillion of JPY)

5.38 5.43 6.93 5.54

(Note)1. Under Japanese GAAP (not U.S. GAAP)

At a Glance (1)

n Consolidated financial summary and data of MUFG 1


Loans (in trillions of JPY, as of Dec 2011) Deposits (in trillions of JPY, as of Dec 2011)

(Source) Banks IR, BTMU Economic Research Office

At a Glance (2)

79.7

ICBC MUFG China Construction

Bank

BOC Santander

122.4

ICBC MUFG China Construction

Bank

Agricultural Bank of China

BOC


(Note) FY 11 ends on March 31, 2012

Financial Highlights ～ MUFG Performance

Gross Profit (in billions of JPY) Net Income (in billions of JPY)

Earnings per Share (in JPY) ROE (%)

3,513

3,273

3,600 3,524 3,502

FY07 FY08 FY09 FY10 FY11

637

389 583

981

(257)


61.00

29.57 39.95

68.09

(25.40)


7.99

4.92 6.89

11.10

(3.97)



261.8 379.0

59.8

53.2 236.7

255.0

433.5

437.1

402.5

370.5

1,400.6 1,494.8

0

400

800

1,200

1,600

FY10 FY11

Global Markets, Others Trust Assets Overseas Domestic Corporate Domestic Retail

(in billions of JPY)

Business Portfolio

n Change in MUFG net operating profit by business segment

25%

4%

17%

29%

25%


EMEA Union Bank Asia (ex. Japan) Americas

54%

11%

15%

21%

47%

15%

16%

23% 22%

18%

15%

45% 47%

14%

17%

22% 25%

17%

16%

42%

0

400

800

FY07 FY08 FY09 FY10 FY11 1

(Note)1. FY11 ends March 31, 2012

Geographical Contribution ～ Profit by Region

BTMU Gross Profit by Region (in billions of JPY)


Change in Tier 1 Ratio (Based on the Basel II standards)

Solid Capital Base

n 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.

Sep 08 Mar 09 Sep 09 Mar 10 Sep 10 Mar 11 Sep 11 Mar 12

4.00%

6.00%

8.00%

10.00%

12.00%

14.00%

7.63% 7.76%

9.13%

10.63%

11.57% 11.33%

13.04% 12.31%

u u

u

u

u u

u

u


Contents (First Half 2012 / Thomson Reuters) Rank

Global investment banking – Global Loans 8

Global project finance – Mandated arrangers 2

Project finance / Americas – Mandated arrangers 1

Project finance / EMEA – Mandated arrangers (including RBS assets) 8

Project finance / Asia – Mandated arrangers 2

US capital markets / high yield corporate CoManager 3

US capital markets / investment grade – CoManager 2

Japan investment banking: Top Banks 5

Global loans – Mandated arranger 4

US loans Bookrunners 9

Latin America loans – Mandated arranger 4

Asia loans (ex. Japan) – Mandated arranger 14

Australia loans – Mandated arranger 6

2012 Rankings ～Global CIB Business

n Global CIB business has been an important pillar of MUFG’s sustainable growth strategy. In 2012, MUFG performed well in the global debt markets.


(Source) Thomson Reuters

League Tables

Americas Project Finance Mandated Arrangers

Global Project Finance Mandated Arrangers

Global Syndicated Loans Mandated Arrangers

9,297

State Bank of India

IDBI Bank

Axis Bank

MUFG BNP Paribas

SG SMFG Credit Agricole CIB

ING

MUFG SMFG SG Santander Banco da Amazonia

HSBC Mizuho BBVA ING Credit Agricole CIB

4,719

172,437

BOA MUFG JP Morgan Barclays Wells Fargo RBS SMFG Citi Mizuho BNP Paribas

Mizuho

4,719

(Proceeds, in millions of US$, 2011 full year)


China Bank of China Investment and business alliance (0.2%) BTMU

China Shenyin & Wanguo Securities

Invest in asset management subsidiary MUTB

India ICICI Business alliance MUS

Vietnam Vietcombank Alliance BTMU

Indonesia Bank Nusantara Parahyangan

Investment (15.2%) BTMU

Malaysia CIMB Group Additional investment (4.1%) BTMU

South Korea Daewoo Securities Business alliance MUS

U.S. Morgan Stanley Investment and business alliance

(22.4%) 1 MUFG

U.S. Union Bank a wholly owned subsidiary BTMU

Scotland Aberdeen Investment and business alliance

(18.75%) MUTB

Australia AMP Capital Holdings

Capital and business alliance MUTB

(Note)1. 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.

Global Strategic Investments and Alliances

n MUFG has a strong commitments to the world financial market. Since 2006, MUFG has made some investments and alliances all over the world.


(Note) Figures for FY2011 or as of the end of 2011

Head office San Francisco

Branches 414

Employees 10,437

Total assets $90 billion

Total loans $54 billion

Total deposits $64 billion

Net business profits $985 billion

Net income $778 billion

n Portfolio is well balanced between corporate and retail segments.

Union Bank

n 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 21st in the U.S. and 4th in California in terms of total deposits.

n 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.

Revenue Breakdown (FY2011)

By Segments By Account Type

Others 1%

Retail 41%

Corporate 55%

Trading, etc. 12%

Net interest income 75%

Fees & commissions

13%


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 knowhow in trade financing and MS’s capability for commodities)

Strategic Alliance with Morgan Stanley

n 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.

Customers of BTMU

Customers of BTMU

Customers of Morgan Stanley

Hedge Contracts n Energy n Metal n Agriculture, etc.

50%

Hedging Needs

Referral Fee Refer

Customers

Business Referral Arrangements in Asia and EMEA

Commodities Referral Agreement

U.S. Loan Marketing Joint Venture

Morgan Stanley MUFG Loan Partners. LLC

Customers in the Americas

50%

Joint Marketing

Refer Customers Reciprocally n Syndicated Loans n Capital Markets n Derivatives, etc.


729

450 437

80 35 39 0

200

400

600

800

MUFG Mizuho FG

SMFG

Domestic Overseas

38,209

30,784

22,686

0

10,000

20,000

30,000

40,000

50,000

MUFG Mizuho FG

SMFG

Housing Loans Loans Overseas Loans

(Note) as of End Mar 12

Assets

Comparison with Other Japanese Banks

Domestic Deposits Gross profits/Fees, Trust Fees Number of Offices Number of Employees

(¥ tn) (¥ tn) (¥ tn) (¥ tn)

(¥ tn) (¥ tn) (No.) (No.)

218.8

165.3 140.0

0

50

100

150

200

250

MUFG Mizuho FG

SMFG

84.4

63.8 62.7

0 10 20 30 40 50 60 70 80 90

MUFG Mizuho FG

SMFG

16.8

11.1

14.3

0

4

8

12

16

20

MUFG Mizuho FG

SMFG

14.9

8.6 9.1

0

4

8

12

16

MUFG Mizuho FG

SMFG

107.8

70.9 74.7

37.0 37.6

65.8

0 20 40 60 80 100 120

MUFG Mizuho FG

SMFG

Deposits outstanding

Individual deposits outstanding

2,003 2,594

3,502

507 825 1,061

0

1,000

2,000

3,000

4,000

MUFG Mizuho FG

SMFG

Gross profits Of which: net fees & commissions + trust fees


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 forwardlooking 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.

© 2012 The Bank Of TokyoMitsubishi UFJ, Ltd. All rights reserved.

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