MUFG Fact Book
〔Abbreviation〕
MUFG : Mitsubishi UFJ Financial Group
BTMU : Bank of Tokyo-Mitsubishi UFJ
MUTB : Mitsubishi UFJ Trust and Banking Corporation
MTFG : Mitsubishi Tokyo Financial Group
BTM : Bank of Tokyo-Mitsubishi
MTB : Mitsubishi Trust and Banking Corporation
UFJH : UFJ Holdings
Consolidated Statement of Income
MUFG
FY2004 FY2005 FY2006 FY2007 FY2008
Gross profits 3,401.9 3,609.9 3,726.6 3,512.6 3,272.8
Net interest income 1,812.3 1,857.9 1,904.4 1,842.0 1,975.9
Trust fees 152.1 146.6 152.9 151.7 119.4
Credit costs for trust accounts (12.1) (0.9) (0.1) (0.0) (0.0)
Net fees and commissions 924.8 1,099.7 1,158.6 1,073.5 970.0
Net trading profits 179.2 161.5 315.0 365.3 253.0
Net other business profits 333.3 344.1 195.5 79.9 (45.6)
General and administrative expenses 1,697.7 1,925.3 2,074.0 2,115.8 2,083.7
Net business profits before credit costs for trust accounts
1,716.3 1,685.5 1,652.7 1,396.9 1,189.1
and provision for general allowance for credit losses
Provision for general allowance for credit losses - - - 41.0 40.3
Net business profits 1,704.1 1,684.6 1,652.6 1,437.9 1,229.4
Net non-recurring gains (losses) (1,607.7) (251.3) (195.5) (408.8) (1,146.6)
Credit costs (1,280.1) (218.2) (196.1) (344.7) (648.7)
Losses on loan write-offs (638.6) (153.7) (193.3) (251.5) (411.2)
Provision for specific allowance for credit losses - - - (69.8) (226.0)
Other credit costs (641.5) (64.5) (2.7) (23.2) (11.4)
Net gains (losses) on equity securities (177.0) 60.9 127.1 (24.8) (408.7)
Profits (losses) from investments in affiliates 21.6 20.2 (80.6) 13.0 (0.0)
Other non-recurring gains (losses) (172.1) (114.2) (45.9) (52.3) (89.0)
Ordinary profits 96.4 1,433.3 1,457.0 1,029.0 82.8
Net extraordinary gains (losses) 324.4 634.2 51.6 (8.1) 32.2
Gains on loans written-off 77.0 100.8 111.2 39.8 38.2
Reversal of allowance for credit losses 216.8 608.9 9.3 - -
Income before income taxes and others 420.9 2,067.5 1,508.7 1,020.8 115.0
Income taxes-current 87.1 140.9 115.0 100.1 85.8
Income taxes-deferred 489.0 645.3 413.7 201.0 216.1
Minority interests 60.7 99.3 98.9 83.0 70.0
Net income (loss) (216.1) 1,181.7 880.9 636.6 (256.9)
Note : Figures of FY2005 are simple sum of MUFG and UFJH (April to September). Figures before FY2004 are simple sum of MTFG and UFJH.
Billions of Yen
FY2009 H1
1,813.2
1,115.2
52.4
-
493.1
167.4
(15.0)
1,061.4
751.7
(54.7)
696.9
(463.9)
(389.4)
(145.7)
(230.3)
(13.4)
13.3
1.7
(89.4)
233.0
(18.6)
24.8
-
214.3
50.2
8.4
30.8
140.9
Consolidated Statement of Income
MTFG Billions of Yen
FY2001 FY2002 FY2003 FY2004
Gross profits 1,711.6 1,747.3 1,763.5 1,832.9
Net interest income 1,108.0 1,058.8 1,029.1 1,008.8
Trust fees 122.7 101.4 86.4 100.9
Credit costs for trust accounts (19.3) (8.1) (10.0) (3.3)
Net fees and commissions 338.3 354.7 421.6 499.5
Net trading profits 54.5 79.9 135.6 125.3
Net other business income 87.8 152.4 90.5 98.2
General and administrative expenses 966.8 991.2 980.4 995.4
Net business profits before credit costs for trust accounts
764.1 764.2 793.1 840.7
and provision for formula allowance for loan losses
Provision for formula allowance for loan losses (33.8) (38.2) - -
Net business profits 710.9 717.8 783.0 837.4
Net non-recurring gains (losses) (1,000.2) (1,078.1) (204.7) (244.1)
Credit related costs (721.2) (492.3) (156.9) (190.8)
Losses on loan charge-offs (283.6) (211.0) (70.4) (83.8)
Provision for specific allowance for loan losses (346.1) (117.7) - -
Other credit related costs (91.4) (163.5) (86.4) (106.9)
Net gains (losses) on equity securities (224.8) (488.0) 3.3 (43.4)
Equity in profit of affiliates (10.6) (3.5) 3.5 17.6
Other (43.5) (94.1) (54.7) (27.6)
Ordinary profit (loss) (289.3) (360.2) 578.3 593.2
Net special gains (7.7) 19.5 301.5 62.1
Gains on loans charged-off 60.6 44.2 26.4 26.1
Reversal of allowance for loan losses - - 239.9 45.0
Income (loss) before income taxes and others (297.0) (340.7) 879.9 655.4
Income taxes-current 34.8 55.9 45.9 69.3
Income taxes-deferred (198.3) (237.0) 230.6 208.9
Minority interest 18.7 1.8 42.4 38.7
Net income (loss) (152.3) (161.4) 560.8 338.4
Consolidated Statement of Income
UFJ Billions of Yen
FY2001 FY2002 FY2003 FY2004
Gross profits 1,603.3 1,594.7 1,608.3 1,569.0
Net interest income 1,044.5 868.4 825.0 803.4
Trust fees 68.9 58.4 49.4 51.2
Credit costs for trust accounts (44.2) (18.7) (16.9) (8.8)
Net fees and commissions 249.8 292.5 387.7 425.2
Net trading profits 104.8 140.1 188.0 53.9
Net other business income 135.1 235.1 158.0 235.1
General and administrative expenses 855.2 775.1 773.0 730.4
Net business profits before credit costs for trust accounts
792.3 838.3 852.2 847.4
and provision for formula allowance for loan losses
Provision for formula allowance for loan losses (120.8) (242.4) (280.0) -
Net business profits 627.1 577.1 555.2 838.5
Net non-recurring gains (losses) (2,230.9) (1,246.5) (952.9) (1,335.3)
Credit related costs (1,910.2) (633.0) (1,134.3) (1,086.3)
Losses on loan charge-offs (600.9) (274.0) (426.3) (554.7)
Provision for specific allowance for loan losses (720.7) (160.4) (559.6) -
Other credit related costs (588.4) (198.5) (148.3) (531.5)
Net gains (losses) on equity securities (194.9) (610.7) 239.1 (133.6)
Equity in profit of affiliates (15.4) 0.3 7.8 4.0
Other (110.2) (3.0) (65.6) (119.4)
Ordinary profit (loss) (1,603.7) (669.3) (397.6) (496.8)
Net special gains (34.6) 50.4 65.9 262.2
Gains on loans charged-off 33.2 79.3 54.9 50.9
Reversal of allowance for loan losses - 10.3 - 171.7
Income (loss) before income taxes and others (1,638.4) (618.9) (331.7) (234.5)
Income taxes-current 21.2 7.6 14.1 17.8
Income taxes-deferred (455.7) (37.9) 36.9 280.1
Minority interest 23.5 20.2 20.0 21.9
Net income (loss) (1,227.4) (608.9) (402.8) (554.5)
* Consolidated net business profits before credit costs for trust accounts and provision for formula allowance for loan losse s are calculated by deducting general and administrative
expenses from gross profits. The accounts with * are after deducting credit costs for trust accounts, being different from th e ones in the supplementary data in UFJH's past press releases.
ess releases.
Statement of Income
BTMU (Non-consolidated)
FY2003 FY2004 FY2005 FY2006 FY2007 FY2008
Gross profits 2,123.5 2,143.2 2,054.5 1,956.6 1,927.8 1,801.4
Domestic gross profits 1,428.9 1,496.8 1,344.4 1,364.9 1,418.7 1,373.5
Net interest income 1,096.7 1,097.5 1,031.9 992.4 1,059.8 1,043.8
Net fees and commissions 240.8 288.0 320.5 331.8 289.0 258.1
Net trading profits 13.3 5.4 (21.2) 15.0 33.2 33.6
Net other business profits 77.8 105.7 13.2 25.5 36.6 37.9
Non-domestic gross profits 694.6 646.3 710.1 591.7 509.0 427.9
Net interest income 278.7 260.2 257.2 194.4 176.6 299.0
Net fees and commissions 84.4 92.1 93.8 93.7 93.4 126.7
Net trading profits 185.0 79.0 45.3 125.1 185.9 94.0
Net other business profits 146.3 214.9 313.6 178.4 53.0 (91.9)
General and administrative expenses 948.5 938.8 1,000.4 1,056.9 1,099.6 1,090.6
Personnel expenses 352.2 314.7 341.3 352.2 367.8 371.8
Non-personnel expenses 546.7 570.7 599.1 644.8 670.5 653.9
Taxes 49.5 53.2 59.9 59.7 61.3 64.7
Net business profits before provision for general allowance for credit losses 1,174.9 1,204.4 1,054.1 899.7 828.2 710.8
Provision for general allowance for credit losses 342.3 - - - - 17.2
Net business profits 832.6 1,204.4 1,054.1 899.7 828.2 728.0
Net non-recurring gains (losses) (1,001.3) (1,563.1) (149.2) (65.2) (260.9) (927.4)
Credit costs (1,090.3) (1,120.4) (125.6) (129.3) (175.7) (441.2)
Losses on loan write-offs (391.6) (550.8) (101.3) (114.8) (163.1) (350.7)
Provision for specific allowance for credit losses (522.4) - - - - (81.0)
Other credit costs (176.2) (569.5) (24.2) (14.4) (12.5) (9.4)
Net gains (losses) on equity securities 284.2 (286.2) 104.6 93.8 (57.1) (448.7)
Other non-recurring gains (losses) (195.2) (156.4) (128.3) (29.7) (28.0) (37.4)
Ordinary profits (losses) (168.6) (358.7) 904.8 834.5 567.2 (199.4)
Net extraordinary gains (losses) 367.5 334.9 683.2 123.4 119.7 4.2
Gains on loans written-off 72.6 62.2 83.6 92.1 30.6 30.6
Reversal of allowance for credit losses 242.5 231.7 618.7 90.5 60.9 -
Income (loss) before income taxes 198.8 (23.7) 1,588.1 958.0 687.0 (195.1)
Income taxes-current 47.9 25.4 34.0 15.1 23.9 32.8
Income taxes-deferred 199.9 327.3 464.9 273.5 121.2 138.3
Net income (loss) (49.0) (376.5) 1,089.1 669.2 550.9 (366.3)
Note 1 : Figures of FY2005 are simple sum of BTMU and UFJB (April to December). Figures before FY2004 are simple sum of BTM and UFJB.
Note 2 : Figures before FY2005 include separate subsidiaries and figures after FY2006 do not include separate subsidiaries.
Note 3 : As for FY2003 figures, inter-company transactions between the bank and separate subsidiaries are not adjusted.
Billions of Yen
FY2009 H1
917.9
642.3
474.8
126.0
8.4
33.0
275.6
190.2
71.8
69.0
(55.5)
509.9
188.8
294.8
26.2
408.0
24.9
433.0
(307.9)
(238.6)
(133.2)
(99.9)
(5.3)
(16.4)
(52.8)
125.0
12.2
17.7
-
137.3
20.2
(7.3)
130.7
Statement of Income
MUTB (Non-consolidated) Billions of Yen
FY2003 FY2004 FY2005 FY2006 FY2007 FY2008 FY2009 H1
Gross profits 476.2 470.5 460.3 471.3 381.3 326.3 150.9
(Gross profits before credit costs for trust accounts) 503.2 482.7 461.2 471.4 381.4 326.3 150.9
Domestic gross profits 357.3 415.1 428.2 465.9 421.2 301.3 131.3
Trust fees 120.1 135.2 116.1 111.0 113.8 91.7 40.1
Trust fees before credit costs for trust accounts 147.1 147.3 117.0 111.1 113.8 91.8 40.1
Loan trusts and money trusts fees (jointly operated designated
money trusts before credit costs for trust accounts) 72.1 70.9 35.8 14.5 15.3 8.8 3.9
Other trust fees 74.9 76.4 81.2 96.6 98.5 82.9 36.1
Credit costs for trust accounts (26.9) (12.1) (0.9) (0.1) (0.0) (0.0) -
Net interest income 136.4 137.7 166.5 200.3 158.0 118.0 48.9
Net fees and commissions 94.1 123.3 140.5 141.2 114.8 88.5 37.0
Net trading profits (0.4) 9.6 (11.0) 27.5 16.7 12.9 16.6
Net other business profits 7.2 9.1 16.0 (14.3) 17.6 (10.0) (11.4)
Non-domestic gross profits 118.8 55.3 32.1 5.4 (39.8) 24.9 19.6
Trust fees 0.0 0.0 - - 0.0 - -
Net interest income 105.3 63.6 27.7 24.7 15.7 20.5 29.2
Net fees and commissions (1.4) (1.9) (1.3) (0.2) (0.2) (1.1) (0.1)
Net trading profits 3.9 (3.4) 6.1 (10.5) (14.3) (6.3) (8.5)
Net other business profits 11.0 (2.8) (0.3) (8.5) (41.0) 11.9 (0.9)
General and administrative expenses 228.6 210.1 208.4 197.1 194.1 194.8 98.0
Personnel expenses 92.2 73.3 73.0 62.9 58.1 60.7 33.9
Non-personnel expenses 128.6 126.8 125.1 125.2 126.0 123.7 58.9
Taxes 7.7 9.9 10.2 8.9 9.9 10.3 5.1
Net business profits before credit costs for trust accounts
274.5 272.6 252.8 274.3 187.2 131.5 52.9
and provision for general allowance for credit losses
Provision for general allowance for credit losses 17.4 (6.5) - (1.7) - - 6.0
Net business profits 265.0 253.8 251.8 272.4 187.2 131.5 59.0
Net non-recurring gains (losses) (94.8) (140.1) (7.9) 5.9 (14.5) (80.6) (23.7)
Credit costs (85.8) (95.3) (32.7) 0.1 0.2 (6.6) (16.4)
Losses on loan write-offs (34.1) (40.1) (13.1) (1.7) (1.2) (6.5) (1.8)
Provision for specific allowance for credit losses (20.0) (31.6) - (4.5) - - (14.3)
Other credit costs (31.6) (23.6) (19.6) 6.4 1.5 (0.0) (0.2)
Net gains (losses) on equity securities 21.9 (15.8) 30.6 14.5 (16.2) (67.4) 5.5
Other non-recurring gains (losses) (30.9) (28.9) (5.8) (8.8) 1.4 (6.5) (12.7)
Ordinary profits 170.1 113.7 243.9 278.3 172.7 50.8 35.3
Net extraordinary gains (losses) 13.2 29.8 64.2 5.7 24.5 37.2 (1.4)
Gains on loans written-off 7.2 7.5 9.5 9.8 5.3 1.6 0.8
Reversal of allowance for credit losses 25.6 32.3 79.5 - 18.8 38.9 -
Income before income taxes 183.4 143.5 308.2 284.0 197.3 88.1 33.8
Income taxes-current (32.8) 0.6 (0.7) 0.6 (0.0) 1.0 (0.2)
Income taxes-deferred 60.3 111.8 139.6 71.8 83.2 70.2 9.3
Net income 155.9 31.1 169.3 211.6 114.1 16.8 24.7
Note 1 : Figures of FY2005 are simple sum of MUTB and UFJTB (April to September). Figures before FY2004 are simple sum of MTB and UFJTB.
As for UFJTB figures (from FY2003 to FY2005), credit costs for trust accounts are included in gross profits.
Therefore, figures are different from the ones in the supplementary data in UFJH's past press releases.
Note 2 : Figures before FY2005 include separate subsidiaries and figures after FY2006 do not include separate subsidiaries.
Note 3 : As for FY2003 figures, inter-company transactions between the bank and separate subsidiaries are not adjusted.
Consolidated Balance Sheets of
MUFG Billions of Yen
Mar End 2002 Mar End 2003 Mar End 2004 Mar End 2005 Mar End 2006 Mar End 2007 Mar End 2008 Mar End 2009 Sep End 2009
Cash and due from banks 12,826.5 12,898.7 10,988.0 14,586.2 12,347.5 8,760.2 10,281.6 6,562.3 7,779.3
Call loans and bills bought 1,688.2 760.4 1,185.9 1,296.2 2,467.7 1,897.5 1,293.7 293.4 399.7
Receivables under resale agreements 1,662.0 1,272.5 1,969.7 2,279.0 1,077.9 4,173.1 7,099.7 2,544.8 3,363.7
Receivables under securities borrowing transactions - 4,916.8 7,841.5 8,196.8 5,425.5 6,700.4 8,240.4 6,797.0 5,845.0
Monetary claims bought 588.5 722.9 1,642.5 2,453.3 2,675.0 4,241.8 4,593.1 3,394.5 3,168.2
Trading assets 8,020.9 8,657.9 9,365.0 12,851.6 10,070.7 9,577.9 11,898.7 17,452.4 17,678.7
Money held in trust 415.4 451.4 601.9 513.5 410.5 368.9 401.4 326.2 341.5
Securities 38,716.0 42,291.1 50,355.5 50,594.1 48,508.9 48,207.6 40,851.6 48,314.1 57,384.3
Loans and bills discounted 95,087.4 91,128.9 89,052.7 83,801.0 85,763.1 84,831.9 88,538.8 92,056.8 88,032.0
Foreign exchanges 1,111.7 1,176.1 1,172.7 1,331.5 1,267.8 1,353.8 1,241.6 1,058.6 955.3
Other assets 9,236.1 5,456.1 5,971.6 5,359.0 6,517.4 4,714.2 5,666.9 7,795.0 6,604.6
Tangible fixed assets - - - - - 1,697.1 1,594.2 1,380.9 1,399.9
Intangible fixed assets - - - - - 741.7 975.0 1,209.7 1,164.8
Premises and equipment 1,752.0 1,714.1 1,567.6 1,499.3 1,517.8 - - - -
Deferred tax assets 2,490.3 2,885.2 2,125.4 1,607.5 705.1 259.1 773.6 1,235.1 856.2
Customers' liabilities for acceptances and guarantees 8,980.4 8,007.8 7,856.0 8,684.2 9,533.5 10,966.8 10,652.8 9,534.9 9,114.2
Allowance for credit losses (3,330.9) (2,971.6) (2,952.8) (2,212.4) (1,360.7) (1,185.4) (1,080.5) (1,185.2) (1,254.4)
Allowance for losses on securities (2.1) (3.3) (3.1) (5.4) (26.6) (26.1) (30.1) (37.1) (31.9)
Total assets 179,269.8 179,382.7 188,749.9 192,839.1 187,046.7 187,281.0 192,993.1 198,733.9 202,802.1
Deposits 110,701.4 113,774.0 119,073.3 118,274.4 118,988.0 118,708.6 121,307.3 120,149.5 122,043.7
Negotiable certificates of deposit 9,566.1 8,974.5 8,333.9 6,682.8 6,586.4 7,083.2 7,319.3 7,570.5 9,585.6
Call money and bills sold 7,539.3 8,923.8 11,742.9 13,935.2 9,428.8 2,546.2 2,286.3 2,272.2 2,537.5
Payables under repurchase agreements 4,023.1 4,584.2 3,985.7 5,814.8 4,885.4 8,214.8 10,490.7 11,926.9 12,787.9
Payables under securities lending transactions - 6,792.6 5,180.0 5,185.4 4,339.5 5,135.2 5,897.0 4,270.3 3,947.9
Commercial papers 1,374.6 1,106.9 934.0 592.6 309.3 607.9 349.3 141.4 88.7
Trading liabilities 2,411.3 3,532.8 4,991.9 7,117.9 4,361.9 4,299.0 5,944.5 9,868.8 9,380.5
Borrowed money 3,200.0 2,975.2 2,837.9 2,643.5 2,974.0 4,810.7 5,050.0 7,729.2 6,645.4
Foreign exchanges 681.4 621.7 1,269.2 1,076.7 1,312.5 1,001.7 972.1 804.4 865.7
Short-term bonds payable - 10.0 410.2 1,369.9 490.7 326.0 417.2 323.9 326.4
Bonds payable 6,074.6 5,823.2 6,420.9 6,725.5 6,634.5 6,505.5 6,285.5 6,485.1 6,947.0
Due to trust accounts 3,975.0 2,651.8 3,134.3 2,473.2 2,429.0 1,542.4 1,462.8 1,798.2 1,762.0
Other liabilities 10,535.9 4,451.9 4,747.9 3,972.1 4,469.0 4,326.7 4,388.8 6,634.9 6,197.8
Reserve for bonuses 34.7 40.5 33.8 30.3 50.8 53.4 49.7 42.6 50.1
Reserve for retirement benefits 35.6 50.1 49.2 53.0 82.2 66.5 64.7 94.6 86.2
Reserve for contingent losses - - - - - 116.2 133.1 277.6 244.8
Reserve under special laws 0.5 1.0 1.4 1.7 2.0 2.3 4.6 3.3 3.0
Deferred tax liabilities 49.0 61.1 74.1 85.5 81.9 187.7 84.1 28.9 36.4
Deferred tax liabilities for land revaluation 212.3 216.4 215.8 208.3 210.8 205.7 199.4 194.2 192.1
Acceptances and guarantees 8,980.4 8,007.8 7,856.0 8,684.2 9,533.5 10,966.8 10,652.8 9,534.9 9,114.2
Total liabilities 172,558.9 173,305.9 181,613.8 184,991.9 177,220.4 176,757.3 183,393.4 190,163.2 192,856.4
Capital stock - - - - - 1,383.0 1,383.0 1,620.8 1,620.8
Capital surplus - - - - - 1,916.3 1,865.6 1,898.0 1,897.9
Retained earnings - - - - - 4,102.1 4,592.9 4,168.6 4,238.2
Treasury stock - - - - - (1,001.4) (726.0) (6.8) (5.9)
Total shareholders' equity - - - - - 6,400.0 7,115.7 7,680.6 7,751.1
Net unrealized gains (losses) on other securities - - - - - 2,054.8 595.3 (776.3) 126.4
Net deferred gains (losses) on hedging instruments - - - - - (56.4) 79.0 111.0 108.0
Land revaluation excess - - - - - 148.2 143.2 142.5 144.0
Foreign currency translation adjustments - - - - - (26.4) (52.5) (302.3) (190.5)
Total valuation and translation adjustments - - - - - 2,120.1 765.1 (877.0) 134.4
Minority interests - - - - - 2,003.4 1,716.3 1,762.3 2,054.5
Total net assets - - - - - 10,523.7 9,599.7 8,570.6 9,945.6
Minority interest 785.5 1,166.0 1,175.7 1,889.3 2,098.5 - - - -
Capital stock 2,146.5 2,258.0 2,258.0 2,383.0 1,383.0 - - - -
Capital surplus 2,101.2 2,165.7 2,165.0 2,188.8 1,915.8 - - - -
Retained earnings 1,443.9 602.9 746.0 498.8 3,325.9 - - - -
Land revaluation excess 332.2 317.2 271.0 260.1 149.5 - - - -
Unrealized gains (losses) on securities available for sale 144.1 (289.1) 732.9 848.6 1,769.5 - - - -
Foreign currency transaction adjustments (64.5) (137.6) (206.8) (215.3) (42.1) - - - -
Treasury stock (0.5) (6.3) (5.8) (6.2) (773.9) - - - -
Total shareholders' equity 5,925.2 4,910.7 5,960.3 5,957.9 7,727.8 - - - -
Note : Figures before Mar. 2005 are simple sum of MTFG and UFJH.
Consolidated Balance Sheets of
MTFG Billions of Yen
Mar End 2002 Mar End 2003 Mar End 2004 Mar End 2005
Cash and due from banks 6,421.7 8,235.7 6,511.4 8,655.8
Call loans and bills bought 1,304.3 551.3 893.8 930.4
Receivables under resale agreements 1,047.7 482.7 1,336.9 500.4
Receivables under securities borrowing transactions - 2,475.8 5,572.1 5,791.8
Commercial paper and other debt purchased 460.9 500.6 1,338.0 2,055.1
Trading assets 5,340.7 5,612.9 6,572.1 7,552.8
Money held in trust 304.0 415.5 469.3 456.4
Investment securities 23,109.7 24,158.3 28,329.5 28,823.4
Loans and bills discounted 49,062.7 46,950.3 46,590.1 46,446.6
Foreign exchanges 560.7 609.9 559.3 677.9
Other assets 5,651.9 3,213.1 3,217.9 3,203.4
Premises and equipment 981.9 988.4 889.5 851.1
Deferred tax assets 1,032.1 1,362.6 711.6 485.0
Customers' liabilities for acceptances and guarantees 5,873.9 4,915.3 4,457.8 4,595.4
Allowance for loan losses (1,659.6) (1,297.2) (832.6) (739.6)
Allowance for losses on investment securities (1.5) (2.0) (1.9) (1.1)
Total assets 99,496.8 99,175.3 106,615.4 110,285.5
Deposits 59,907.3 62,624.3 66,097.5 67,548.7
Negotiable certificates of deposit 3,200.3 4,045.9 2,819.5 2,824.9
Call money and bills sold 3,977.8 3,740.6 6,879.1 9,169.5
Payables under repurchase agreements 3,518.9 3,162.0 3,316.2 2,908.7
Payables under securities lending transactions - 3,883.4 3,415.9 2,923.6
Commercial paper 799.3 763.2 637.0 495.0
Trading liabilities 667.9 1,567.5 2,824.3 3,364.5
Borrowed money 1,844.5 1,512.7 1,342.6 1,258.6
Foreign exchanges 513.8 532.9 1,081.2 927.8
Short-term corporate bonds - 10.0 340.2 905.7
Bonds and notes 3,402.0 3,546.9 3,734.6 4,161.1
Due to trust account 2,282.2 1,401.6 1,380.2 1,231.3
Other liabilities 7,241.4 3,163.5 3,079.8 2,514.6
Reserve for employees' bonuses 14.3 17.0 16.8 20.4
Reserve for employees' retirement benefits 27.0 36.9 34.9 39.4
Reserve under special laws 0.4 0.7 1.1 1.4
Deferred tax liabilities 47.0 60.8 56.1 56.7
Deferred tax liabilities on land revaluation excess 128.4 133.6 138.9 133.1
Acceptances and guarantees 5,873.9 4,915.3 4,457.8 4,595.4
Total liabilities 95,974.2 95,806.2 101,969.8 105,130.7
Minority interest 198.1 322.6 350.3 376.9
Capital stock 1,146.5 1,258.0 1,258.0 1,383.0
Capital surplus 834.6 932.0 931.3 955.0
Retained earnings 1,189.7 962.3 1,506.5 1,824.2
Land revaluation excess 201.6 195.4 158.0 149.5
Unrealized gains (losses) on securities available for sale 84.0 (223.4) 560.3 591.1
Foreign currency transaction adjustments (26.6) (73.4) (115.4) (121.7)
Treasury stock (0.3) (4.4) (3.6) (3.5)
Total shareholders' equity 3,324.4 3,046.4 4,295.2 4,777.8
Consolidated Balance Sheets of
UFJ Billions of Yen
Mar End 2002 Mar End 2003 Mar End 2004 Mar End 2005
Cash and due from banks 6,404.8 4,663.0 4,476.6 5,930.4
Call loans and bills bought 383.9 209.0 292.1 365.7
Receivables under resale agreements 614.3 789.7 632.7 1,778.6
Receivables under securities borrowing transactions - 2,440.9 2,269.4 2,404.9
Commercial paper and other debt purchased 127.6 222.3 304.5 398.1
Trading assets 2,680.2 3,045.0 2,792.9 5,298.7
Money held in trust 111.4 35.9 132.5 57.0
Investment securities 15,606.3 18,132.8 22,025.9 21,770.7
Loans and bills discounted 46,024.6 44,178.6 42,462.6 37,354.4
Foreign exchanges 551.0 566.2 613.3 653.6
Other assets 3,584.1 2,243.0 2,753.6 2,155.5
Premises and equipment 770.0 725.7 678.1 648.1
Deferred tax assets 1,458.2 1,522.6 1,413.7 1,122.4
Customers' liabilities for acceptances and guarantees 3,106.5 3,092.4 3,398.2 4,088.8
Allowance for loan losses (1,671.2) (1,674.3) (2,120.2) (1,472.8)
Allowance for losses on investment securities (0.6) (1.3) (1.2) (4.2)
Total assets 79,772.9 80,207.4 82,134.4 82,553.6
Deposits 50,794.0 51,149.6 52,975.7 50,725.7
Negotiable certificates of deposit 6,365.8 4,928.6 5,514.4 3,857.8
Call money and bills sold 3,561.5 5,183.2 4,863.7 4,765.6
Payables under repurchase agreements 504.1 1,422.2 669.5 2,906.0
Payables under securities lending transactions - 2,909.1 1,764.0 2,261.8
Commercial paper 575.2 343.7 297.0 97.6
Trading liabilities 1,743.4 1,965.3 2,167.5 3,753.3
Borrowed money 1,355.5 1,462.5 1,495.2 1,384.9
Foreign exchanges 167.5 88.8 187.9 148.9
Short-term corporate bonds - - 70.0 464.2
Bonds and notes 2,672.6 2,276.3 2,686.3 2,564.3
Due to trust account 1,692.8 1,250.2 1,754.0 1,241.9
Other liabilities 3,294.4 1,288.4 1,668.1 1,457.5
Reserve for employees' bonuses 20.4 23.5 17.0 9.8
Reserve for employees' retirement benefits 8.5 13.1 14.3 13.5
Reserve under special laws 0.0 0.2 0.2 0.3
Deferred tax liabilities 1.9 0.3 17.9 28.7
Deferred tax liabilities on land revaluation excess 83.9 82.7 76.9 75.2
Acceptances and guarantees 3,106.5 3,092.4 3,398.2 4,088.8
Total liabilities 76,584.7 77,499.7 79,643.9 79,861.2
Minority interest 587.4 843.3 825.4 1,512.3
Capital stock 1,000.0 1,000.0 1,000.0 1,000.0
Capital surplus 1,266.6 1,233.7 1,233.7 1,233.7
Retained earnings 254.2 (359.3) (760.5) (1,325.4)
Land revaluation excess 130.6 121.7 112.9 110.5
Unrealized gains (losses) on securities available for sale 60.1 (65.7) 172.6 257.5
Foreign currency transaction adjustments (37.8) (64.1) (91.4) (93.5)
Treasury stock (0.2) (1.9) (2.2) (2.6)
Total shareholders' equity 2,600.7 1,864.3 1,665.0 1,180.0
Non-Consolidated Balance Sheets of
BTMU Billions of Yen
Mar End 2004 Mar End 2005 Mar End 2006 Mar End 2007 Mar End 2008 Mar End 2009 Sep End 2009
Cash and due from banks 9,609.8 13,158.5 10,846.4 7,290.0 9,004.3 4,929.0 5,529.7
Call loans and bills bought 1,139.5 1,075.4 2,526.1 1,766.3 883.0 179.1 206.1
Receivables under resale agreements 458.6 70.0 193.4 223.2 283.8 38.9 122.3
Receivables under securities borrowing transactions 3,724.3 4,143.7 2,738.2 3,586.3 4,874.6 4,478.9 4,402.8
Monetary claims bought 558.1 1,100.9 1,753.8 3,226.7 3,602.8 2,677.8 2,539.1
Trading assets 5,066.2 5,031.8 5,804.2 4,108.8 4,785.7 10,528.4 9,266.1
Money held in trust 414.5 407.6 283.1 242.9 77.1 36.7 27.5
Securities 41,222.2 42,695.8 42,159.6 40,705.7 33,191.0 38,731.5 46,165.4
Loans and bills discounted 72,693.0 68,841.3 69,587.1 68,194.9 70,397.8 73,786.5 69,443.7
Foreign exchanges 1,161.3 1,329.4 1,265.9 1,395.8 1,224.9 1,043.3 941.7
Other assets 3,597.1 2,986.3 3,158.0 2,438.7 3,184.5 4,666.4 4,040.7
Tangible fixed assets - - - 958.0 959.9 915.9 903.0
Intangible fixed assets - - - 297.6 356.3 312.4 306.4
Premises and equipment 1,103.1 1,061.1 1,056.7 - - - -
Deferred tax assets 1,701.6 1,329.8 599.8 194.9 693.6 953.1 681.2
Customers' liabilities for acceptances and guarantees 7,075.3 7,860.4 6,180.7 6,886.4 6,867.7 6,425.8 6,121.7
Allowance for credit losses (2,319.3) (1,731.7) (928.1) (771.0) (640.5) (639.5) (663.1)
Allowance for losses on securities (55.9) (66.6) (134.3) (132.1) (85.7) (93.1) (88.1)
Total assets 147,149.9 149,294.2 147,091.2 140,613.8 139,661.3 148,971.7 149,946.5
Deposits 100,633.3 100,095.1 101,092.5 100,276.6 101,861.5 100,208.9 100,488.9
Negotiable certificates of deposit 6,942.3 5,304.8 5,716.1 5,516.0 5,420.0 6,579.7 7,988.4
Debentures 265.9 - - - - - -
Call money 4,564.3 2,312.8 1,769.9 1,877.2 1,528.7 1,399.4 1,602.5
Payables under repurchase agreements 2,044.4 3,094.2 3,821.3 3,179.3 3,832.1 7,362.4 6,253.3
Payables under securities lending transactions 1,182.7 1,543.1 1,922.4 3,273.3 2,487.2 1,374.6 2,332.6
Bills sold 5,687.6 10,383.1 6,536.5 - - - -
Commercial papers 185.4 - - - - - -
Trading liabilities 967.4 961.9 1,101.8 658.7 1,171.4 6,006.1 5,226.4
Borrowed money 3,159.3 3,157.0 3,998.9 4,935.4 4,115.1 5,560.4 4,967.1
Foreign exchanges 1,258.5 1,078.9 1,315.3 1,012.0 991.2 828.0 899.5
Short-term bonds payable 370.2 1,083.9 375.7 150.6 42.2 - -
Bonds payable 4,739.4 4,506.3 3,956.6 3,359.9 3,066.1 3,422.4 3,914.1
Other liabilities 3,122.1 2,415.0 2,469.5 2,158.7 1,882.7 4,112.1 3,687.1
Reserve for bonuses 12.8 8.1 14.2 15.9 16.9 15.9 16.3
Reserve for losses on supports of specific borrowers 5.0 - - - - - -
Reserve for retirement benefits 13.2 17.7 11.1 11.3 10.2 11.4 12.0
Reserve for contingent losses - - - 81.9 75.5 40.0 38.1
Reserve under special laws 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Deferred tax liabilities for land revaluation 199.6 192.5 202.5 197.9 191.7 186.9 185.3
Acceptances and guarantees 7,075.3 7,860.4 6,180.7 6,886.4 6,867.7 6,425.8 6,121.7
Total liabilities 142,429.7 144,015.6 140,485.7 133,591.9 133,561.4 143,535.5 143,735.0
Capital stock - - - 996.9 996.9 1,196.2 1,196.2
Capital surplus - - - 2,767.5 2,773.2 3,362.6 3,362.6
Retained earnings - - - 1,627.7 1,728.0 1,184.8 1,245.9
Total shareholders' equity - - - 5,392.2 5,498.3 5,743.7 5,804.8
Net unrealized gains (losses) on other securities - - - 1,435.5 289.0 (655.2) 61.9
Net deferred gains (losses) on hedging instruments - - - (46.1) 81.1 123.5 122.7
Land revaluation excess - - - 240.3 231.3 224.2 221.9
Total valuation and translation adjustments - - - 1,629.6 601.5 (307.4) 406.6
Total net assets - - - 7,021.9 6,099.8 5,436.2 6,211.5
Capital stock 1,715.5 2,255.5 996.9 - - - -
Capital surplus 1,488.1 1,700.2 2,767.5 - - - -
Retained earnings 709.6 471.3 1,404.8 - - - -
Land revaluation excess 268.8 258.3 245.7 - - - -
Unrealized gains (losses) on securities available for sale 537.9 593.0 1,190.3 - - - -
Total shareholders' equity 4,720.2 5,278.5 6,605.5 - - - -
Note : Figures before Mar. 2005 are simple sum of BTM and UFJB.
Non-Consolidated Balance Sheets of
MUTB Billions of Yen
Mar End 2004 Mar End 2005 Mar End 2006 Mar End 2007 Mar End 2008 Mar End 2009 Sep End 2009
Cash and due from banks 1,606.8 1,438.3 798.1 888.1 1,238.0 1,111.5 1,080.4
Call loans and bills bought 251.8 357.3 25.2 177.1 192.4 19.5 36.3
Receivables under securities borrowing transactions 450.0 353.7 233.6 150.6 301.3 60.0 89.5
Monetary claims bought 85.6 131.2 151.4 95.2 62.6 46.9 41.2
Trading assets 294.1 370.6 314.4 237.3 274.7 238.3 309.4
Money held in trust 6.9 7.0 13.0 9.5 - 6.9 6.9
Securities 9,391.6 7,072.8 5,791.0 6,836.2 7,071.8 8,156.6 9,747.3
Loans and bills discounted 11,847.6 10,759.3 10,391.3 9,890.4 9,778.8 10,472.2 10,476.9
Foreign exchanges 11.4 6.8 5.1 5.2 11.4 6.8 4.0
Other assets 929.4 685.6 680.6 650.7 869.6 829.8 800.1
Tangible fixed assets - - - 108.4 179.7 176.3 172.0
Intangible fixed assets - - - 60.4 61.9 66.0 66.5
Premises and equipment 184.2 174.2 171.3 - - - -
Deferred tax assets 380.9 282.6 - - 14.4 109.8 11.7
Customers' liabilities for acceptances and guarantees 330.8 274.5 236.8 257.4 179.7 214.9 165.4
Allowance for credit losses (309.6) (222.5) (124.4) (122.9) (100.7) (50.3) (57.8)
Allowance for losses on securities (0.0) (0.3) (0.1) (0.5) (0.8) (0.4) (0.2)
Total assets 25,462.0 21,691.6 18,687.8 19,243.4 20,135.1 21,465.2 22,950.3
Deposits 13,956.8 12,966.6 11,889.3 11,764.6 12,219.5 12,966.5 13,039.3
Negotiable certificates of deposit 1,704.6 1,633.8 1,224.8 1,724.6 2,015.4 1,320.6 2,063.8
Call money 530.0 104.4 67.6 292.0 70.6 355.7 356.1
Payables under repurchase agreements 504.9 273.1 33.9 250.6 651.1 1,106.2 2,103.4
Payables under securities lending transactions 1,334.9 451.1 484.8 202.2 319.3 219.2 163.2
Bills sold 856.9 566.8 449.4 - - - -
Commercial papers 396.0 145.5 - - - - -
Trading liabilities 83.9 53.5 55.4 32.7 52.6 63.8 61.9
Borrowed money 377.4 347.4 234.2 916.3 1,246.8 1,865.6 1,663.3
Foreign exchanges 12.8 0.5 0.6 0.5 0.1 0.0 0.4
Short-term bonds payable 40.0 286.0 10.2 81.9 231.7 37.2 30.5
Bonds payable 312.7 373.7 359.4 299.9 263.6 239.8 327.6
Due to trust accounts 3,134.3 2,473.2 1,761.8 1,328.4 1,156.3 1,463.0 1,392.0
Other liabilities 513.0 368.4 317.3 291.9 372.4 563.2 367.7
Reserve for bonuses 4.0 3.5 4.3 4.4 4.4 4.1 4.1
Reserve for retirement benefits 0.1 0.2 8.7 - - - -
Reserve for contingent losses - - - 9.6 6.5 6.0 7.2
Reserve for possible losses to land trust - 14.5 - - - - -
Deferred tax liabilities - - 7.0 92.2 - - -
Deferred tax liabilities for land revaluation 6.5 6.3 6.4 6.1 7.6 7.3 6.8
Acceptances and guarantees 330.8 274.5 236.8 257.4 179.7 214.9 165.4
Total liabilities 24,100.2 20,343.8 17,152.6 17,556.0 18,798.1 20,433.9 21,753.4
Capital stock - - - 324.2 324.2 324.2 324.2
Capital surplus - - - 530.3 412.3 412.3 412.3
Retained earnings - - - 434.3 505.1 472.9 480.7
Total shareholders' equity - - - 1,288.9 1,241.7 1,209.5 1,217.3
Net unrealized gains (losses) on other securities - - - 415.0 111.3 (152.9) (0.3)
Net deferred gains (losses) on hedging instruments - - - (6.8) (5.8) (16.2) (13.6)
Land revaluation excess - - - (9.6) (10.1) (9.0) (6.5)
Total valuation and translation adjustments - - - 398.4 95.2 (178.2) (20.5)
Total net assets - - - 1,687.4 1,337.0 1,031.2 1,196.8
Capital stock 604.8 604.8 324.2 - - - -
Capital surplus 332.4 332.4 582.4 - - - -
Retained earnings 259.4 254.6 260.9 - - - -
Land revaluation excess (10.9) (10.9) (10.7) - - - -
Unrealized gains (losses) on securities available for sale 176.0 166.7 378.2 - - - -
Total shareholders' equity 1,361.7 1,347.7 1,535.2 - - - -
Note : Figures before Mar. 2005 are simple sum of MTB and UFJTB.
Loans and Deposits
MUFG（BTMU+MUTB）
Mar End 2004 Mar End 2005 Mar End 2006 Mar End 2007 Mar End 2008 Mar End 2009
Loans 85,441.4 79,622.0 79,987.1 78,085.4 80,176.6 84,258.7
Domestic Offices 78,983.6 73,046.3 71,381.2 67,954.4 68,017.4 70,004.4
Loans to SMEs and Proprietors 47,148.3 44,748.0 44,661.3 43,804.9 43,529.0 42,694.7
Consumer loans 19,077.2 19,133.6 19,439.4 18,236.2 18,254.4 18,153.3
Housing loans 17,382.3 17,640.7 18,145.7 17,098.6 17,273.7 17,285.5
Overseas offices and others 6,457.7 6,575.6 8,605.9 10,131.0 12,159.2 14,254.3
Mar End 2004 Mar End 2005 Mar End 2006 Mar End 2007 Mar End 2008 Mar End 2009
Deposits 114,590.1 113,061.8 112,981.8 112,041.3 114,081.0 113,175.5
Domestic Deposits 103,140.9 102,268.4 102,937.2 101,698.5 102,317.0 104,093.3
Individuals 60,156.7 59,807.6 60,217.8 60,858.3 62,594.7 62,881.6
Corporations and others 42,984.2 42,460.8 42,719.4 40,840.2 39,722.3 41,211.7
Overseas offices and others 11,449.2 10,793.3 10,044.5 10,342.7 11,763.9 9,082.2
Note1 : Figures after March 2006 are simple sum of BTMU and MUTB. Figures before March 2005 are simple sum of BTM, UFJB, MTB and UFJTB.
Note2 : Figures above exclude trust accounts.
Note3 : Figures after Mar End 2007 do not include separate subsidiaries. Figures before Mar End 2006 include separate subsidiaries.
Note4 : Upon the installation of new IT systems in May 2008, BTMU adjusted its method of monitoring deposits from individuals and, starting from FY2008,
deposits from unincorporated associations are excluded from "Individuals" and included in "Corporations and others". The amount of deposits from "Individuals"
under the new method as of Mar End 2008 are \61,836.2 billion.
Note5 : Starting from Sep End 2008, BTMU adjusted its method of monitoring loans to SMEs and proprietors.
Outstanding amount under the new method as of Mar End 2008 are \43,294.4 billion.
Billions of Yen
Sep End 2009
79,920.7
67,770.4
41,258.5
18,054.0
17,225.8
12,150.2
Billions of Yen
Sep End 2009
113,528.3
102,856.3
62,844.4
40,011.9
10,671.9
Loans and Deposits
MTFG （BTM+MTB） Billions of Yen
Mar End 2002 Mar End 2003 Mar End 2004 Mar End 2005
Loans 44,661.8 42,986.5 43,389.8 43,398.3
Domestic Offices 38,082.0 37,416.1 38,961.8 38,637.2
Loans to SMEs and Individual clients 21,641.6 19,920.3 20,100.3 20,386.5
Consumer loans 6,979.5 7,476.7 8,117.3 8,346.3
Housing loans 6,376.0 6,941.1 7,655.4 7,936.1
Overseas offices and others 6,579.8 5,570.4 4,427.9 4,761.1
Billions of Yen
Mar End 2002 Mar End 2003 Mar End 2004 Mar End 2005
Deposits 56,617.6 58,970.7 62,664.1 63,404.7
Domestic Deposits 48,835.1 52,068.2 53,977.5 55,310.3
Individuals 29,509.8 32,164.4 33,402.3 34,181.0
Corporations and others 19,325.2 19,903.8 20,575.1 21,129.3
Overseas offices and others 7,782.5 6,902.5 8,686.6 8,094.4
Note : Figures above exclude trust accounts.
UFJ （UFJB+UFJTB） Billions of Yen
Mar End 2002 Mar End 2003 Mar End 2004 Mar End 2005
Loans 46,374.2 44,022.6 42,051.6 36,223.6
Domestic Offices 42,466.5 41,489.3 40,021.7 34,409.0
Loans to SMEs and Individual clients 29,424.0 28,951.0 27,047.9 24,361.4
Consumer loans 9,640.0 10,246.7 10,959.8 10,787.3
Housing loans 8,100.9 8,866.1 9,726.8 9,704.5
Overseas offices and others 3,907.7 2,533.2 2,029.8 1,814.5
Billions of Yen
Mar End 2002 Mar End 2003 Mar End 2004 Mar End 2005
Deposits 49,610.7 50,358.4 51,926.0 49,657.0
Domestic Deposits 45,751.6 47,260.6 49,163.3 46,958.1
Individuals 26,413.0 26,582.4 26,754.3 25,626.5
Corporations and others 19,338.5 20,678.1 22,409.0 21,331.5
Overseas offices and others 3,859.1 3,097.7 2,762.6 2,698.9
Note : Figures above exclude trust accounts and include separate subsidiaries.
Domestic Loans
Domestic Loans by type of industry New standard
MUFG（BTMU+MUTB) Millions of Yen Millions of Yen
Mar End 2007 Sep End 2007 Mar End 2008 Mar End 2008 Sep End 2008 Mar End 2009
Manufacturing 7,642,078 7,885,564 8,158,195 8,321,505 8,277,888 10,265,928
Agriculture 23,535 23,985 25,520 23,615 25,527 23,064
Forestry 16,746 13,986 16,015 16,013 11,928 13,520
Fishery 30,588 34,966 37,570 37,497 6,264 7,002
Mining 49,115 50,334 52,212 51,074 58,789 87,392
Construction 1,554,973 1,441,385 1,433,060 1,455,677 1,388,413 1,456,461
Utilities 630,599 647,929 731,870 731,752 626,932 625,714
Communication and information services 1,810,231 1,764,850 1,795,929 1,720,695 1,759,480 1,827,543
Wholesale and Retail 7,293,024 7,124,425 6,950,463 7,152,744 7,153,278 7,292,069
Finance and insurance 7,310,206 6,930,902 7,096,284 7,170,451 7,286,413 8,486,197
Real estate 9,204,591 8,902,525 8,954,568 10,698,672 10,383,488 10,178,119
Services 6,440,854 6,160,478 6,533,129 5,726,898 5,583,192 5,582,975
Municipal government 783,857 754,653 787,972 787,969 761,301 889,130
Other industries 25,164,007 25,249,026 25,444,637 24,122,862 23,733,930 23,269,278
Note1 : Figures after March 2006 are simple sum of BTMU and MUTB. Figures before September 2005 are simple sum of BTM, UFJB, MTB, and UFJTB.
Note2 : Figures above exclude trust accounts.
Note3 : Figures after Sep End 2006 do not include separate subsidiaries. Figures before Mar End 2006 include separate subsidiaries.
Note4 : Starting from Sep End 2008, BTMU and MUTB adjusted their method of monitoring loans classified by type of industry.
As a result, among other changes, loans to proprietors, which were previously reported as part of “Other industries” are included in "Real estate".
Domestic Loans
Domestic Loans by type of industry
MUFG（BTMU+MUTB) Millions of Yen
Sep End 2009
Manufacturing 10,320,002
Agriculture, forestry, fishery, mining,
131,793
quarrying of stone and gravel
Construction 1,308,899
Utilities 689,793
Communication and information services 1,045,621
Transport and postal activities 2,921,472
Wholesale and Retail 6,891,285
Finance and insurance 8,158,256
Real estate, goods rental and leasing 11,914,595
Services 3,422,795
Municipal government 884,641
Other industries 20,081,250
Note1 : Figures above exclude trust accounts.
Note2 : According to revision of Japan Standard Industrial Classification in November 2007, the classification is revised partially as of September 30, 2009.
Foreign Loans
Loans to Asian Countries
MUFG (BTMU+MUTB)
Mar End 2007 Sep End 2007 Mar End 2008 Sep End 2008 Mar End 2009
Thailand 565,457 585,189 501,566 531,422 506,373
Indonesia 258,017 251,657 213,956 266,126 280,491
Malaysia 174,391 113,388 106,786 284,986 286,210
Philippines 59,385 63,544 64,316 65,927 72,685
South Korea 250,434 322,555 251,427 280,637 228,991
Singapore 400,395 530,324 595,161 740,178 691,187
Hong Kong 727,734 776,385 754,086 879,761 857,242
China 684,763 31,285 29,525 79,787 77,991
Taiwan 177,327 179,190 169,844 201,520 136,324
Others 201,259 255,614 323,007 387,424 406,614
Total 3,499,167 3,109,133 3,009,677 3,717,772 3,544,113
Note1 : Figures after March 2006 are simple sum of BTMU and MUTB. Figures before September 2005 are simple sum of BTM, UFJB, MTB, and UFJTB.
Note2 : Figures above exclude trust accounts.
Note3 : Figures after Sep End 2006 do not include separate subsidiaries. Figures before Mar End 2006 include separate subsidiaries.
Loans to Latin American Countries
MUFG (BTMU+MUTB)
Mar End 2007 Sep End 2007 Mar End 2008 Sep End 2008 Mar End 2009
Argentina 2,090 3,027 2,813 3,039 2,968
Brazil 107,178 88,779 120,040 156,978 160,602
Mexico 95,899 88,910 81,152 112,008 119,278
Caribbean countries 738,087 723,876 714,017 883,627 946,855
Others 67,197 77,865 76,301 118,835 145,961
Total 1,010,454 982,460 994,326 1,274,489 1,375,666
Note1 : Figures after March 2006 are simple sum of BTMU and MUTB. Figures before September 2005 are simple sum of BTM, UFJB, MTB, and UFJTB.
Note2 : Figures above exclude trust accounts.
Note3 : Figures after Sep End 2006 do not include separate subsidiaries. Figures before Mar End 2006 include separate subsidiaries.
Millions of Yen
Sep End 2009
481,826
268,182
230,883
62,900
238,261
653,812
738,478
46,118
129,469
403,366
3,253,299
Millions of Yen
Sep End 2009
1,878
144,356
102,048
902,978
102,241
1,253,502
Source and Use of Funds (BTMU 1)
Domestic Sector Billions of Yen
Average balance Income/Expenses Yield (%)
FY2009 H1 Change FY2009 H1 Change FY2009 H1 Change (%points)
Assets 98,659.4 4,935.4 586.6 (109.5) 1.185 (0.295)
Loans and Bills Discounted 55,039.7 (227.0) 440.1 (61.5) 1.594 (0.215)
Investment Securities 32,532.9 6,170.2 109.6 (40.1) 0.671 (0.460)
Call Loans 47.8 (176.5) 0.0 (0.7) 0.237 (0.518)
Collateral Deposits on Securities Borrowed 3,801.7 1,005.7 2.6 (5.5) 0.138 (0.444)
Bills Bought - (26.5) - (0.0) - -
Due from Banks 16.9 9.5 0.0 0.0 0.082 (0.106)
Liabilities 98,977.5 2,747.2 111.7 (57.0) 0.225 (0.124)
Deposits 86,000.3 1,180.9 67.9 (48.2) 0.157 (0.115)
Negotiable Certificates of Deposit 4,293.5 522.5 8.5 (4.4) 0.396 (0.289)
Call Money 993.2 (819.1) 0.4 (3.9) 0.089 (0.394)
Payables under Repurchase Agreements 1,647.2 444.3 0.9 (2.7) 0.120 (0.495)
Collateral Deposits under Securities Lending
1,408.4 337.3 0.7 (2.1) 0.109 (0.426)
Transactions
Borrowed Money 1,541.4 498.8 7.5 (2.9) 0.975 (1.023)
Net interest margin - - - - 0.959 (0.162)
Note1 : Net interest margin = net interest income / average balance of interest earning assets
International Sector Billions of Yen
Average balance Income/Expenses Yield (%)
FY2009 H1 Change FY2009 H1 Change FY2009 H1 Change (%points)
Assets 30,701.7 (1,247.4) 355.3 (226.4) 2.308 (1.323)
Loans and Bills Discounted 15,277.7 1,105.1 156.2 (115.8) 2.040 (1.788)
Investment Securities 9,211.6 2,161.7 84.0 (36.2) 1.820 (1.583)
Call Loans 194.4 (43.0) 0.5 (2.9) 0.605 (2.360)
Due from Banks 2,924.0 (2,664.0) 10.4 (55.6) 0.710 (1.648)
Liabilities 31,227.4 155.7 165.0 (279.3) 1.054 (1.798)
Deposits 13,545.0 (1,171.6) 39.8 (131.1) 0.587 (1.730)
Negotiable Certificates of Deposit 3,074.8 1,242.1 12.9 (18.8) 0.837 (2.614)
Call Money 592.7 141.1 1.3 (4.9) 0.438 (2.328)
Payables under Repurchase Agreements 4,538.5 1,863.2 8.0 (25.5) 0.354 (2.153)
Borrowed Money 3,656.9 316.4 50.1 (16.8) 2.734 (1.267)
Net interest margin - - - - 1.235 0.378
Note1 : Net interest margin = net interest income / average balance of interest earning assets
Source and Use of Funds (BTMU 2)
Domestic Sector Billions of Yen
Average balance Income/Expenses Yield (%)
FY2007 FY2008 FY2009 H1 FY2007 FY2008 FY2009 H1 FY2007 FY2008
Assets 98,370.0 96,424.2 98,659.4 1,373.5 1,348.9 586.6 1.396 1.399
Loans and Bills Discounted 55,788.8 55,625.9 55,039.7 994.7 992.5 440.1 1.783 1.784
Investment Securities 28,373.5 27,214.3 32,532.9 288.0 262.8 109.6 1.015 0.965
Call Loans 283.1 138.7 47.8 1.8 1.0 0.0 0.647 0.754
Collateral Deposits on Securities Borrowed 2,786.3 2,239.7 3,801.7 16.1 11.0 2.6 0.580 0.491
Bills Bought 8.6 67.3 - 0.0 0.2 - 0.599 0.356
Due from Banks 4.5 7.1 16.9 0.0 0.0 0.0 0.175 0.308
Liabilities 97,494.1 96,523.9 98,977.5 313.6 305.1 111.7 0.321 0.316
Deposits 84,466.7 84,795.0 86,000.3 204.5 204.4 67.9 0.242 0.241
Negotiable Certificates of Deposit 3,942.5 3,885.9 4,293.5 24.3 25.6 8.5 0.618 0.659
Call Money 1,968.7 1,623.0 993.2 9.5 6.1 0.4 0.487 0.378
Payables under Repurchase Agreements 787.6 1,524.8 1,647.2 4.6 6.8 0.9 0.593 0.448
Collateral Deposits under Securities Lending
2,219.9 982.2 1,408.4 12.4 4.1 0.7 0.559 0.420
Transactions
Borrowed Money 1,469.5 1,175.8 1,541.4 23.4 20.7 7.5 1.598 1.760
Note1 : Figures of FY2005 are simple sum of BTMU and UFJB (April to December)
Note2 : Excluding separate subsidiaries
International Sector Billions of Yen
Average balance Income/Expenses Yield (%)
FY2007 FY2008 FY2009 H1 FY2007 FY2008 FY2009 H1 FY2007 FY2008
Assets 29,761.3 31,254.0 30,701.7 1,344.9 1,048.3 355.3 4.519 3.354
Loans and Bills Discounted 11,095.3 14,551.5 15,277.7 557.2 519.4 156.2 5.022 3.569
Investment Securities 7,358.3 7,680.3 9,211.6 341.4 211.1 84.0 4.639 2.749
Call Loans 237.9 242.3 194.4 10.6 5.5 0.5 4.459 2.271
Due from Banks 6,425.7 4,469.2 2,924.0 204.3 95.7 10.4 3.180 2.141
Liabilities 32,445.2 32,554.0 31,227.4 1,168.2 749.2 165.0 3.600 2.301
Deposits 14,400.2 13,074.6 13,545.0 489.6 241.7 39.8 3.400 1.849
Negotiable Certificates of Deposit 1,403.1 1,647.1 3,074.8 73.2 45.4 12.9 5.217 2.759
Call Money 514.2 419.8 592.7 19.2 8.1 1.3 3.747 1.944
Payables under Repurchase Agreements 2,588.0 3,158.4 4,538.5 116.2 53.9 8.0 4.490 1.708
Collateral Deposits under Securities Lending
76.5 - - 3.8 - - 5.074 -
Transactions
Borrowed Money 3,158.2 4,167.7 3,656.9 146.3 138.3 50.1 4.634 3.319
Note1 : Figures of FY2005 are simple sum of BTMU and UFJB (April to December)
Note2 : Excluding separate subsidiaries
Billions of Yen
FY2009 H1
1.185
1.594
0.671
0.237
0.138
-
0.082
0.225
0.157
0.396
0.089
0.120
0.109
0.975
Billions of Yen
FY2009 H1
2.308
2.040
1.820
0.605
0.710
1.054
0.587
0.837
0.438
0.354
-
2.734
Source and Use of Funds (MUTB 1)
Domestic Sector Billions of Yen
Average balance Income/Expenses Yield (%)
FY2009 H1 Change FY2009 H1 Change FY2009 H1 Change (%points)
Assets 17,039.7 1,277.4 90.4 (24.9) 1.058 (0.401)
Loans and Bills Discounted 9,321.2 557.2 63.1 (2.7) 1.352 (0.148)
Investment Securities 5,908.8 1,122.5 21.7 (18.8) 0.733 (0.958)
Call Loans 89.4 (190.9) 0.0 (0.8) 0.209 (0.455)
Collateral Deposits on Securities Borrowed 284.0 (257.9) 0.1 (1.3) 0.139 (0.438)
Bills Bought - (3.7) - (0.0) - -
Due from Banks 4.4 (10.9) 0.0 0.0 0.804 0.610
Liabilities 16,769.4 1,048.4 41.4 (3.4) 0.493 (0.076)
Deposits 12,131.7 720.4 31.6 0.5 0.520 (0.023)
Negotiable Certificates of Deposit 1,309.4 (706.3) 2.3 (4.7) 0.356 (0.349)
Call Money 168.4 112.6 0.0 0.0 0.111 (0.443)
Payables under Repurchase Agreements 150.5 131.1 0.0 0.0 0.119 (0.530)
Collateral Deposits under Securities Lending
193.3 30.5 0.0 (0.1) 0.073 (0.198)
Transactions
Borrowed Money 1,266.9 670.9 2.2 (0.3) 0.356 (0.524)
Net interest margin - - - - 0.573 (0.317)
Note1 : Net interest margin = net interest income / average balance of interest earning assets
International Sector Billions of Yen
Average balance Income/Expenses Yield (%)
FY2009 H1 Change FY2009 H1 Change FY2009 H1 Change (%points)
Assets 4,634.4 1,033.8 43.6 (11.0) 1.878 (1.152)
Loans and Bills Discounted 760.9 83.7 5.3 (4.6) 1.395 (1.552)
Investment Securities 2,925.6 1,033.1 30.5 (3.5) 2.081 (1.510)
Call Loans 18.0 (5.4) 0.0 (0.2) 0.331 (2.456)
Due from Banks 908.2 (65.2) 2.0 (7.6) 0.460 (1.543)
Liabilities 4,697.0 1,056.0 14.3 (30.0) 0.610 (1.825)
Deposits 987.3 (213.4) 2.6 (10.5) 0.540 (1.652)
Negotiable Certificates of Deposit 190.9 (9.9) 0.6 (2.3) 0.658 (2.324)
Call Money 41.0 31.4 0.1 0.0 0.651 (2.226)
Payables under Repurchase Agreements 1,587.2 832.3 3.4 (7.0) 0.435 (2.349)
Collateral Deposits under Securities Lending
Transactions
8.3 (7.0) 0.0 (0.1) 0.166 (1.557)
Borrowed Money 366.4 300.9 1.7 0.9 0.962 (1.398)
Net interest margin - - - - 1.259 0.692
Note1 : Net interest margin = net interest income / average balance of interest earning assets
Source and Use of Funds (MUTB 2)
Domestic Sector Billions of Yen
Average balance Income/Expenses Yield (%)
FY2007 FY2008 FY2009 H1 FY2007 FY2008 FY2009 H1 FY2007 FY2008
Assets 14,933.2 16,332.0 17,039.7 225.2 209.8 90.4 1.508 1.285
Loans and Bills Discounted 8,829.2 8,981.2 9,321.2 131.2 133.6 63.1 1.486 1.488
Investment Securities 4,452.3 5,270.1 5,908.8 82.3 60.9 21.7 1.848 1.156
Call Loans 195.6 280.0 89.4 1.2 1.7 0.0 0.651 0.634
Collateral Deposits on Securities Borrowed 435.8 441.0 284.0 2.4 2.1 0.1 0.572 0.496
Bills Bought 2.5 16.7 - 0.0 0.0 - 0.511 0.425
Due from Banks 22.8 9.5 4.4 0.0 0.0 0.0 0.179 0.283
Liabilities 14,621.9 16,246.7 16,769.4 67.2 91.7 41.4 0.459 0.564
Deposits 10,668.5 11,856.6 12,131.7 42.6 65.4 31.6 0.399 0.551
Negotiable Certificates of Deposit 1,556.2 2,037.7 1,309.4 10.0 14.3 2.3 0.648 0.701
Call Money 89.6 133.3 168.4 0.6 0.5 0.0 0.691 0.398
Payables under Repurchase Agreements 9.8 96.5 150.5 0.0 0.4 0.0 0.609 0.442
Collateral Deposits under Securities Lending
75.6 87.6 193.3 0.3 0.2 0.0 0.450 0.263
Transactions
Borrowed Money 674.0 601.9 1,266.9 5.7 3.6 2.2 0.856 0.604
Note1 : Figures of FY2005 are simple sum of MUTB and UFJTB (April to September)
Note2 : Excluding separate subsidiaries
International Sector Billions of Yen
Average balance Income/Expenses Yield (%)
FY2007 FY2008 FY2009 H1 FY2007 FY2008 FY2009 H1 FY2007 FY2008
Assets 2,971.1 3,599.5 4,634.4 122.5 94.9 43.6 4.125 2.636
Loans and Bills Discounted 635.0 687.7 760.9 26.3 18.4 5.3 4.143 2.683
Investment Securities 1,526.2 1,957.0 2,925.6 68.9 61.1 30.5 4.517 3.125
Call Loans 3.5 23.6 18.0 0.1 0.6 0.0 4.965 2.734
Due from Banks 726.8 907.4 908.2 24.5 13.9 2.0 3.382 1.539
Liabilities 2,999.0 3,647.2 4,697.0 106.7 74.3 14.3 3.560 2.038
Deposits 1,194.8 1,051.7 987.3 40.1 20.1 2.6 3.363 1.914
Negotiable Certificates of Deposit 268.2 132.2 190.9 13.9 3.5 0.6 5.181 2.663
Call Money 44.2 12.6 41.0 2.1 0.2 0.1 4.833 1.728
Payables under Repurchase Agreements 182.5 836.5 1,587.2 6.6 17.1 3.4 3.621 2.049
Collateral Deposits under Securities Lending
246.3 9.6 8.3 10.2 0.1 0.0 4.178 1.394
Transactions
Borrowed Money 6.9 242.1 366.4 0.2 5.0 1.7 2.948 2.081
Note1 : Figures of FY2005 are simple sum of MUTB and UFJTB (April to September)
Note2 : Excluding separate subsidiaries
Billions of Yen
FY2009 H1
1.058
1.352
0.733
0.209
0.139
-
0.804
0.493
0.520
0.356
0.111
0.119
0.073
0.356
Billions of Yen
FY2009 H1
1.878
1.395
2.081
0.331
0.460
0.610
0.540
0.658
0.651
0.435
0.166
0.962
Disclosed Claims under the Financial Reconstruction Law (FRL)
MUFG (BTMU+MUTB)
(Total of banking and trust accounts) Billions of Yen
Mar End 2003 Mar End 2004 Mar End 2005 Mar End 2006 Mar End 2007 Mar End 2008 Mar End 2009 Sep End 2009
Bankrupt or De facto Bankrupt 645.9 444.8 279.1 153.3 115.9 117.7 241.0 221.3
Doubtful 2,239.3 2,024.9 1,407.2 749.7 647.9 556.0 656.0 737.4
Special Attention 3,893.4 2,898.6 1,321.6 924.3 562.0 384.6 292.8 287.1
Non Performing Loans 6,778.8 5,368.4 3,008.0 1,827.4 1,325.8 1,058.5 1,189.9 1,245.9
Normal 90,170.2 88,780.4 87,277.6 86,279.4 89,268.1 90,902.9 94,019.5 88,961.2
Total 96,949.0 94,719.2 90,285.7 88,106.9 90,594.0 91,961.4 95,209.5 90,207.1
NPL Ratio 6.99% 5.67% 3.33% 2.07% 1.46% 1.15% 1.24% 1.38%
Note1 : Figures after Mar 2006 are simple sum of BTMU and MUTB. Figures before March 2005 are simple sum of BTM, UFJB, MTB, and UFJTB.
Note2 : Figures before Mar End 2006 include separate subsidiaries.
MTFG (BTM+MTB)
(Total of banking and trust accounts)
Mar End 2003 Mar End 2004 Mar End 2005
Claims to bankrupt and substantially
226.4 140.4 103.4
bankrupt debtors
Claims under high risk 1,031.3 541.3 729.9
Claims under close observation 1,357.4 737.3 458.3
Disclosed claims under the FRL 2,615.2 1,419.0 1,291.7
Normal claims 46,335.9 46,887.4 47,361.9
Total 48,951.2 48,306.5 48,653.6
NPL Ratio 5.34% 2.93% 2.65%
UFJ (UFJB+UFJTB)
(Total of banking and trust accounts)
Mar End 2003 Mar End 2004 Mar End 2005
Claims to bankrupt and substantially
419.5 304.4 175.7
bankrupt debtors
Claims under high risk 1,208.0 1,483.6 677.3
Claims under close observation 2,535.9 2,161.2 863.2
Disclosed claims under the FRL 4,163.5 3,949.3 1,716.2
Normal claims 43,834.3 41,893.0 39,915.7
Total 47,997.8 46,412.7 41,632.0
NPL Ratio 8.67% 8.50% 4.12%
Unrealized Gains (Losses) on Securities available for Sale
MUFG
Mar End 2003 Mar End 2004 Mar End 2005 Mar End 2006 Mar End 2007 Mar End 2008 Mar End 2009
Domestic equity securities (609.2) 1,143.9 1,348.3 2,980.8 3,221.3 1,377.9 (179.8)
Domestic bonds 274.7 (54.2) 31.1 (210.1) (70.3) (8.8) (38.5)
Government bonds 226.7 (69.0) 12.7 (188.3) (65.8) (23.0) (27.2)
Municipal bonds 25.9 6.5 5.6 (1.1) (0.0) 3.7 3.5
Corporate bonds 22.0 8.2 12.7 (20.5) (4.5) 10.4 (14.8)
Other securities 69.4 156.1 5.3 182.5 233.3 (364.2) (699.4)
Foreign equity securities N.A N.A N.A 91.5 116.6 95.1 (20.6)
Foreign bonds N.A N.A N.A (90.9) (48.1) (20.8) (29.1)
Other N.A N.A N.A 181.9 164.7 (438.5) (649.5)
Total (265.0) 1,245.8 1,384.9 2,953.2 3,384.2 1,004.8 (917.7)
Note : Figures before March 2005 are simple sum of MTFG and UFJH.
MTFG
Mar End 2003 Mar End 2004 Mar End 2005
Domestic equity securities (427.2) 785.3 894.0
Domestic bonds 121.8 3.3 54.0
Government bonds 101.9 (2.2) 42.1
Municipal bonds 8.1 1.5 1.5
Corporate bonds 11.7 4.1 10.3
Other securities 62.7 158.7 37.7
Foreign equity securities 14.6 14.5 15.4
Foreign bonds 147.0 107.2 3.4
Other (98.9) 36.9 18.9
Total (242.6) 947.5 985.9
UFJH
Mar End 2003 Mar End 2004 Mar End 2005
Domestic equity securities (182.0) 358.6 454.3
Domestic bonds 152.8 (57.6) (22.8)
Government bonds 124.7 (66.7) (29.4)
Municipal bonds 17.7 4.9 4.1
Corporate bonds 10.3 4.1 2.3
Other securities 6.7 (2.6) (32.4)
Total (22.4) 298.3 398.9
Billions of Yen
Sep End 2009
476.8
124.2
102.1
8.4
13.6
(186.2)
63.6
61.1
(310.9)
414.8
Risk-adjusted Capital Ratios Based on the Standards of the BIS
MUFG
Mar End 2003 Mar End 2004 Mar End 2005 Mar End 2006 Mar End 2007 Mar End 2008 Mar End 2009
Risk-adjusted capital ratio 12.20% 12.54% 11.19% 11.77%
Tier1 ratio 6.80% 7.57% 7.60% 7.76%
Tier1 7,501.6 8,054.8 8,293.7 7,575.1
Tier2 (includable as qualifying capital) 6,293.7 5,717.9 4,441.8 4,216.1
Tier3 (includable as qualifying capital) - - - -
Deductions from total qualifying capital 334.9 428.3 519.7 312.8
Net qualifying capital 13,460.3 13,344.4 12,215.8 11,478.4
Risk-adjusted assets 110,292.6 106,395.5 109,075.6 97,493.4
Note : Figures after Mar 2007 are calculated based on the Basel 2 Standards
MTFG
Mar End 2003 Mar End 2004 Mar End 2005
Risk-adjusted capital ratio 10.84% 12.95% 11.76%
Tier1 ratio 5.68% 7.14% 7.61%
Tier1 3,128.6 3,859.4 4,286.7
Tier2 (includable as qualifying capital) 2,847.6 3,157.8 3,250.9
The amount of unrealized gains on investment
- 428.0 449.4
securities
The amount of land revaluation excess 147.3 133.6 127.4
Subordinated debt 2,012.1 1,993.9 2,238.7
Tier3 (includable as qualifying capital) 30.0 30.0 -
Deductions from total qualifying capital 37.9 54.5 915.0
Total qualifying capital 5,968.4 6,992.7 6,622.6
Risk-adjusted assets 55,049.6 53,996.7 56,270.5
UFJ
Mar End 2003 Mar End 2004 Mar End 2005
Risk-adjusted capital ratio 9.96% 9.24% 10.39%
Tier1 ratio 5.52% 4.70% 5.32%
Tier1 2,560.4 2,175.2 2,313.4
Tier2 (includable as qualifying capital) 2,128.9 2,175.2 2,278.6
The amount of unrealized gains on investment
securities
- 137.2 183.2
The amount of land revaluation excess 92.0 85.4 83.5
Subordinated debt 1,457.7 1,671.8 1,559.0
Tier3 (includable as qualifying capital) - - -
Deductions from total qualifying capital 72.1 81.9 78.9
Total qualifying capital 4,617.3 4,268.6 4,513.1
Risk-adjusted assets 46,328.2 46,185.9 43,405.9
Billions of Yen
Sep End 2009
13.29%
9.13%
8,894.3
4,383.5
-
329.0
12,948.9
97,368.2