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6-K

Mitsubishi Ufj Financial Group Inc (MUFG)

6-K 2026-05-15 For: 2026-05-15
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Added on July 04, 2026

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 6-K

Report of Foreign Private Issuer

Pursuant to Rule 13a-16 or 15d-16 under

the Securities Exchange Act of 1934

For the month of May 2026

Commission File No. 000-54189

MITSUBISHI UFJ FINANCIAL GROUP, INC.

(Translation of registrant’s name into English)

4-5, Marunouchi 1-chome, Chiyoda-ku

Tokyo 100-8330, Japan

(Address of principal executive office)

Indicate by check mark whether the registrant files or

will file annual reports under cover of Form 20-F or Form40-F.

Form20-F  X  Form 40-F

Indicate by check mark if the registrant is submitting the Form 6-K

in paper as permitted by Regulation S-T Rule 101(b)(1):

Indicate by check mark if the registrant is submitting the Form 6-K

in paper as permitted by Regulation S-T Rule 101(b)(7):

THIS REPORT ON FORM 6-K SHALL BE DEEMED TO BE INCORPORATED BY REFERENCE IN THE REGISTRATION STATEMENT ON FORM F-3 (NO. 333-273681) OF MITSUBISHI UFJ FINANCIAL GROUP, INC. AND TO BE A PART THEREOF FROM THE DATE ON WHICH THIS REPORT IS FURNISHED TO THE U.S. SECURITIES AND EXCHANGE COMMISSION TO THE EXTENT NOT SUPERSEDED BY DOCUMENTS OR REPORTS SUBSEQUENTLY FILED WITH OR FURNISHED TO THE U.S. SECURITIES AND EXCHANGE COMMISSION.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

Date: May 15, 2026

Mitsubishi UFJ Financial Group, Inc.
By: /s/ Yoshitaka Sekine
Name: Yoshitaka Sekine
Title: Managing Director, Head of Documentation & Corporate Secretary Department,
Corporate Administration Division

LOGO

Consolidated Summary Report

<under Japanese GAAP>

for the fiscal year ended March 31, 2026

May 15, 2026

Company name: Mitsubishi UFJ Financial Group, Inc.
Stock exchange listings: Tokyo, Nagoya, New York
Code number: 8306
URL https://www.mufg.jp/english/
Representative: Junichi Hanzawa, President & Group CEO
For inquiry: Masahisa Takahashi, Managing Director, Head of Financial Accounting and Reporting, Financial<br>Accounting Office, Financial Planning Division
TEL 050-3613-1179
General meeting of shareholders: June 26, 2026
Dividend payment date: June 29, 2026
Securities report issuing date: June 24, 2026
Trading accounts: Established
Supplemental information for financial statements: Available
Investor meeting presentation: Scheduled (for investors and analysts)

(Amounts of less than one million yen are rounded down.)

1. Consolidated Financial Data for the Fiscal Year ended March 31, 2026

(1) Results of Operations
( % represents the change from the previous fiscal year)
--- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- ---
Ordinary Income Ordinary Profits Profits Attributableto Owners of Parent
million yen % million yen % million yen %
Fiscal year ended
March 31, 2026 14,620,843 7.3 3,410,192 27.7 2,427,229 30.3
March 31, 2025 13,629,997 14.6 2,669,483 25.4 1,862,946 25.0
(*) Comprehensive income
--- ---

March 31, 2026: 3,271,246 million yen  58.1 %;  March 31, 2025: 2,069,660 million yen  (37.6) %

Basic earningsper share Diluted earningsper share Net Income to Net AssetsAttributable to<br>MUFG shareholders Ordinary Profitsto Total Assets Ordinary Profits toOrdinary Income
yen yen % % %
Fiscal year ended
March 31, 2026 213.17 212.34 11.3 0.8 23.3
March 31, 2025 160.02 159.48 9.3 0.7 19.6

(Reference) Income from investment in affiliates (Equity method)

March 31, 2026: 845,545 million yen;  March 31, 2025: 596,956 million yen

(2) Financial Conditions
Total Assets Total Net Assets Equity-to-assetratio (*) Total Net Assetsper Common Stock
--- --- --- --- --- --- --- --- --- --- --- --- ---
million yen million yen % yen
As of
March 31, 2026 431,731,548 23,744,152 5.2 1,973.31
March 31, 2025 413,113,501 21,728,132 5.0 1,783.37

(Reference) Shareholders’ equity as of March 31, 2026: 22,273,941 million yen; March 31, 2025: 20,520,374 million yen

(*) “Equity-to-asset<br>ratio” is computed under the formula shown below
(Total  net assets - Subscription rights to shares -<br>Non-controlling interests) / Total assets
---
(3) Cash Flows
--- ---
Cash Flows fromOperating Activities Cash Flows fromInvesting Activities Cash Flows fromFinancing Activities Cash and Cash Equivalentsat the end of the period
--- --- --- --- --- --- --- --- --- --- --- --- ---
million yen million yen million yen million yen
Fiscal year ended
March 31, 2026 (23,064,420 ) 4,473,959 (1,149,876 ) 90,045,500
March 31, 2025 6,415 (186,948 ) (861,116 ) 109,095,437

2. Dividends on Common Stock

Dividends per Share Totaldividends Dividendpayout ratio(Consolidated) Dividend onnet assets ratio(Consolidated)
1^st^quarter-end 2^nd^quarter-end 3^rd^quarter-end Fiscalyear-end Total
yen yen yen yen yen million yen % %
Fiscal year
ended March 31, 2025 — 25.00 — 39.00 64.00 741,992 40.0 3.7
ended March 31, 2026 — 35.00 — 51.00 86.00 976,032 40.3 4.6
ending March 31, 2027 (Forecast) — 48.00 — 48.00 96.00 40.1
(*) Revision of forecasts for dividends on the presentation date of this Consolidated Summary Report : Yes<br>
--- ---

3. Earnings Target for the Fiscal Year ending March 31, 2027 (Consolidated)

MUFG has set an earnings target of 2,700.0 billion yen of profits attributable to owners of parent for the fiscal year ending March 31, 2027. MUFG is engaged in financial service businesses such as banking business, trust banking business, securities business and credit card/loan businesses. Because there are various uncertainties caused by economic situation, market environments and other factors in these businesses, MUFG discloses a target of its profits attributable to owners of parent instead of a forecast of its performance.

ø Notes

(1) Changes in significant subsidiaries during the period: No
(2) Changes in accounting policies, changes in accounting estimates and restatements
--- ---

(A) Changes in accounting policies due to revision of accounting standards: No

(B) Changes in accounting policies due to reasons other than (A): No

(C) Changes in accounting estimates: Yes

(D) Restatements: No

(3) Number of common stocks outstanding at the end of the period
(A) Total stocks outstanding including treasury stocks: March 31, 2026 11,867,710,920 shares
--- --- --- --- ---
March 31, 2025 12,067,710,920 shares
(B) Treasury stocks: March 31, 2026 580,104,991 shares
March 31, 2025 561,193,945 shares
(C) Average outstanding stocks: Fiscal year ended March 31, 2026 11,386,394,907 shares
Fiscal year ended March 31, 2025 11,642,149,075 shares

* This “Consolidated Summary Report” (“Tanshin”) is outside the scope of the external auditor’s audit procedure.

* Notes for using forecasted information etc.

1. This financial summary report contains forward-looking statements regarding estimations, forecasts, targets and<br>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<br>other things, the company’s 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.<br>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<br>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.<br>
2. The financial information included in this financial summary report is prepared and presented in accordance<br>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<br>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<br>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<br>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. We will<br>publish U.S. GAAP financial results in a separate disclosure document when such information becomes available.
--- ---

Mitsubishi UFJ Financial Group, Inc.

(Appendix)

Contents of Appendix

1. Results of Operations and Financial Condition 2
(1) Analysis of results of operations 2
(2) Analysis of financial condition 2
2. Basic Views on Selection of Accounting Standards 2
3. Consolidated Financial Statements and Notes 3
(1) Consolidated Balance Sheets 3
(2) Consolidated Statements of Income and Consolidated Statements of Comprehensive Income 5
(3) Consolidated Statements of Changes in Net Assets 8
(4) Consolidated Statements of Cash Flows 10
Notes to the Consolidated Financial Statements 12
Notes on Going-Concern Assumption
Changes in Accounting Estimates
Additional Information
Segment Information
Per Share Information
Subsequent Events

Supplemental Information:

“Selected Financial Information under Japanese GAAP For the Fiscal Year Ended March 31, 2026”

(*) The following is the schedule of internet conference and explanation for investors and analysts. You can<br>confirm those contents over the internet.
Internet Conference: May 15, 2026 (Friday)
--- --- ---
Explanation for investors and analysts: May 19, 2026 (Tuesday)

1

Mitsubishi UFJ Financial Group, Inc.

1. Results of Operations and Financial Condition

(1) Analysis of results of operations

(Results of operations for the fiscal year ended March 31, 2026)

Consolidated gross profits for the fiscal year ended March 31, 2026, increased by 1,125.1 billion yen from the previous fiscal year to 5,944.4 billion yen. This was due to contributions from overseas acquisitions; an increase in net interest income, reflecting the incorporation of the impact of rising JPY interest rates, improved margins, and improvement effects associated with bond rebalancing in the previous fiscal year; an increase in net fees and commissions driven by growth in fee-based businesses both domestically and globally; and an increase in net other operating profits, primarily due to a rebound from net losses on debt securities realized through rebalance of the bond portfolio included in the previous fiscal year. General and administrative expenses increased by 339.1 billion yen from the previous fiscal year to 3,567.2 billion yen, mainly due to investments in resources for growth, the impact of inflation and overseas acquisitions. As a result, net operating profits increased by 786.0 billion yen from the previous fiscal year to 2,377.2 billion yen.

Total credit costs increased by 247.1 billion yen from the previous fiscal year to 355.8 billion yen, mainly due to a rebound of the large reversal of overseas credit costs included in the previous fiscal year. Net gains on equity securities decreased by 106.5 billion yen from the previous fiscal year to 486.0 billion yen, mainly due to a rebound of the large gains on sales of equity holdings included in the previous fiscal year. Equity in earnings of equity method investees increased by 248.5 billion yen from the previous fiscal year to 845.5 billion yen, mainly due to strong performance at Morgan Stanley. As a result, ordinary profits increased by 740.7 billion yen from the previous fiscal year to 3,410.1 billion yen, and profits attributable to owners of parent increased by 564.2 billion yen from the previous fiscal year to 2,427.2 billion yen.

(in billions of yen) For the fiscal yearended<br>March 31, 2026 For the fiscal yearended<br>March 31, 2025 Increase(Decrease)
Gross profits before credit costs for trust accounts 5,944.4 4,819.3 1,125.1
General and administrative expenses 3,567.2 3,228.1 339.1
Net operating profits before credit costs for trust accounts and provision for general allowance<br>for credit losses 2,377.2 1,591.1 786.0
Total credit costs (355.8 ) (108.7 ) (247.1 )
Net gains (losses) on equity securities 486.0 592.5 (106.5 )
Equity in earnings of equity method investees 845.5 596.9 248.5
Other non-recurring gains (losses) 57.2 (2.4 ) 59.7
Ordinary profits 3,410.1 2,669.4 740.7
Net extraordinary gains (losses) (88.0 ) (118.8 ) 30.8
Total taxes 761.6 609.1 152.4
Profits attributable to non-controlling interests 133.2 78.5 54.7
Profits attributable to owners of parent 2,427.2 1,862.9 564.2

(2) Analysis of financial condition

Total assets as of March 31, 2026 increased 18,618.0 billion yen from March 31, 2025 to 431,731.5 billion yen, and total net assets as of March 31, 2026 increased 2,016.0 billion yen from March 31, 2025 to 23,744.1 billion yen. The increase in total net assets was mainly due to an increase of Retained earnings and Foreign currency translation adjustments, etc.

With regard to major items of assets, loans and bills discounted as of March 31, 2026 increased 12,363.3 billion yen from March 31, 2025 to 133,799.4 billion yen and securities as of March 31, 2026 decreased 410.5 billion yen from March 31, 2025 to 85,714.7 billion yen. With regard to major items of liabilities, deposits as of March 31, 2026 increased 10,926.4 billion yen from March 31, 2025 to 239,439.2 billion yen.

2. BasicViews on Selection of Accounting Standards

MUFG group, currently adopting Japanese GAAP, is preparing for its future adoption of IFRS by considering the development of its infrastructures and organizations within the group, and the timing of adoption.

2

Mitsubishi UFJ Financial Group, Inc.

3. Consolidated Financial Statements and Notes

(1) Consolidated Balance Sheets

(in millions of yen) As of<br>March 31, 2025 As of<br>March 31, 2026
Assets:
Cash and due from banks 109,095,437 90,045,500
Call loans and bills bought 1,180,949 1,570,196
Receivables under resale agreements 18,856,895 16,375,722
Receivables under securities borrowing transactions 5,701,495 5,486,014
Monetary claims bought 6,620,404 7,560,410
Trading assets 26,142,919 39,995,337
Money held in trust 1,084,487 1,159,280
Securities 86,125,371 85,714,795
Loans and bills discounted 121,436,133 133,799,490
Foreign exchanges 1,913,526 2,248,944
Other assets 17,824,068 28,407,448
Tangible fixed assets 1,240,104 1,417,304
Buildings 285,624 291,245
Land 600,852 599,414
Lease assets 7,581 14,353
Construction in progress 33,974 48,856
Other tangible fixed assets 312,072 463,435
Intangible fixed assets 1,875,551 1,955,987
Software 669,248 793,542
Goodwill 530,386 511,465
Lease assets 12 282
Other intangible fixed assets 675,903 650,696
Net defined benefit assets 2,217,529 2,646,314
Deferred tax assets 148,752 147,478
Customers’ liabilities for acceptances and guarantees 12,864,745 14,431,269
Allowance for credit losses (1,214,870 ) (1,229,947 )
Total assets 413,113,501 431,731,548

3

Mitsubishi UFJ Financial Group, Inc.

(in millions of yen) As of    March 31, 2025 As of    March 31, 2026
Liabilities:
Deposits 228,512,749 239,439,246
Negotiable certificates of deposit 17,374,010 17,601,483
Call money and bills sold 5,072,926 5,307,704
Payables under repurchase agreements 43,359,076 39,146,995
Payables under securities lending transactions 699,852 1,197,233
Commercial papers 3,475,042 3,421,893
Trading liabilities 19,362,603 32,038,719
Borrowed money 22,101,954 9,359,997
Foreign exchanges 2,508,462 2,715,051
Short-term bonds payable 1,373,236 1,217,464
Bonds payable 14,018,955 15,790,570
Due to trust accounts 4,937,999 2,903,438
Other liabilities 14,563,347 22,285,686
Reserve for bonuses 251,665 293,548
Reserve for bonuses to directors 2,879 3,978
Reserve for stocks payment 11,077 14,287
Net defined benefit liabilities 104,612 107,274
Reserve for retirement benefits to directors 813 1,548
Reserve for loyalty award credits 7,730 8,877
Reserve for contingent losses 150,657 144,184
Reserves under special laws 5,295 6,179
Deferred tax liabilities 540,770 466,990
Deferred tax liabilities for land revaluation 84,903 83,769
Acceptances and guarantees 12,864,745 14,431,269
Total liabilities 391,385,368 407,987,396
Net assets:
Capital stock 2,141,513 2,141,513
Capital surplus — —
Retained earnings 14,845,617 16,150,394
Treasury stock (726,631 ) (934,137 )
Total shareholders’ equity 16,260,498 17,357,770
Net unrealized gains (losses) on<br>available-for-sale securities 1,327,127 1,672,075
Net deferred gains (losses) on hedging instruments (894,227 ) (1,262,833 )
Land revaluation excess 122,400 121,039
Foreign currency translation adjustments 3,198,279 3,711,516
Remeasurements of defined benefit plans 554,502 724,229
Debt value adjustments of foreign subsidiaries and affiliates (51,663 ) (53,835 )
Net unrealized gains (losses) on loans of foreign subsidiaries and affiliates 3,457 3,979
Total accumulated other comprehensive income 4,259,875 4,916,171
Subscription rights to shares 11 99
Non-controlling interests 1,207,746 1,470,111
Total net assets 21,728,132 23,744,152
Total liabilities and net assets 413,113,501 431,731,548

4

Mitsubishi UFJ Financial Group, Inc.

(2) Consolidated Statements of Income and Consolidated Statements of Comprehensive Income

Consolidated Statements of Income

(in millions of yen) For the fiscal year<br>ended<br>March 31, 2025 For the fiscal year<br>ended<br>March 31, 2026
Ordinary income 13,629,997 14,620,843
Interest income 8,467,719 8,723,940
Interest on loans and bills discounted 4,158,027 4,214,185
Interest and dividends on securities 1,685,174 1,836,432
Interest on call loans and bills bought 33,377 30,728
Interest on receivables under resale agreements 747,550 570,624
Interest on receivables under securities borrowing transactions 161,089 154,583
Interest on deposits 751,749 1,087,148
Other interest income 930,751 830,237
Trust fees 144,395 163,112
Fees and commissions 2,360,111 2,666,354
Trading income 454,258 433,392
Other operating income 505,980 665,646
Other ordinary income 1,697,531 1,968,397
Reversal of allowance for credit losses 76,843 —
Gains on loans written-off 112,203 96,758
Others 1,508,484 1,871,639
Ordinary expenses 10,960,514 11,210,651
Interest expenses 5,591,266 5,717,866
Interest on deposits 2,108,129 2,086,767
Interest on negotiable certificates of deposit 716,717 638,057
Interest on call money and bills sold 13,348 33,051
Interest on payables under repurchase agreements 1,364,295 1,300,546
Interest on payables under securities lending transactions 20,426 11,318
Interest on commercial papers 145,534 148,414
Interest on borrowed money 159,238 134,919
Interest on short-term bonds payable 4,139 13,666
Interest on bonds payable 464,681 474,111
Other interest expenses 594,754 877,013
Fees and commissions 414,289 439,548
Trading expenses — 103,924
Other operating expenses 1,107,697 446,819
General and administrative expenses 3,166,035 3,489,570
Other ordinary expenses 681,224 1,012,921
Provision for allowance for credit losses — 176,952
Others 681,224 835,969
Ordinary profits 2,669,483 3,410,192

5

Mitsubishi UFJ Financial Group, Inc.

(in millions of yen) For the fiscal year<br>ended<br>March 31, 2025 For the fiscal year<br>ended<br>March 31, 2026
Extraordinary gains 67,824 48,661
Gains on disposition of fixed assets 19,961 9,713
Gains on step acquisitions — 20,801
Gains on liquidation of subsidiaries — 18,140
Gains on change in equity 102 5
Gains on sales of shares of affiliates 47,759 —
Extraordinary losses 186,673 136,692
Losses on disposition of fixed assets 12,348 17,019
Losses on impairment of fixed assets 141,542 67,894
Provision for reserve for contingent liabilities from financial instruments transactions 236 884
Provision for reserve for contingent liabilities arising from commodities transactions 0 0
Losses on change in equity 23,668 19,803
Expenses relating to systems integration — 31,091
Losses on step acquisitions 5,854 —
Losses on sales of shares of subsidiaries 3,023 —
Profits before income taxes 2,550,634 3,322,161
Income taxes-current 382,695 853,410
Income taxes-deferred 226,461 (91,761 )
Total taxes 609,156 761,648
Profits 1,941,477 2,560,512
Profits attributable to non-controlling interests 78,530 133,283
Profits attributable to owners of parent 1,862,946 2,427,229

6

Mitsubishi UFJ Financial Group, Inc.

Consolidated Statements of Comprehensive Income

(in millions of yen) For the fiscal year<br>ended<br>March 31, 2025 For the fiscal year<br>ended<br>March 31, 2026
Profits 1,941,477 2,560,512
Other comprehensive income
Net unrealized gains (losses) on<br>available-for-sale securities (233,452 ) 328,192
Net deferred gains (losses) on hedging instruments (201,599 ) (358,645 )
Land revaluation excess (2,424 ) 29
Foreign currency translation adjustments 464,906 312,349
Remeasurements of defined benefit plans 45,916 169,600
Net unrealized gains (losses) on loans of foreign subsidiaries 4,279 2,206
Share of other comprehensive income of associates accounted for using equity method 50,556 256,999
Total other comprehensive income 128,182 710,734
Comprehensive income 2,069,660 3,271,246
(Comprehensive income attributable to)
Comprehensive income attributable to owners of parent 1,948,808 3,086,298
Comprehensive income attributable to non-controlling<br>interests 120,851 184,948

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Mitsubishi UFJ Financial Group, Inc.

(3) Consolidated Statements of Changes in Net Assets

For the fiscal year ended March 31, 2025

(in millions of yen)
Shareholders’ equity Accumulated othercomprehensive income
Capital stock Capital surplus Retainedearnings Treasury stock Totalshareholders’<br>equity Net unrealizedgains (losses) onavailable-for-sale securities Net deferredgains (losses) onhedginginstruments
Balance at the beginning of the period 2,141,513 83,623 13,791,608 (613,823 ) 15,402,921 1,534,094 (687,476 )
Cumulative effects of changes in accounting policies 6,119 6,119 (1,896 )
Restated balance 2,141,513 83,623 13,797,728 (613,823 ) 15,409,041 1,534,094 (689,373 )
Changes during the period
Cash dividends (533,196 ) (533,196 )
Profits attributable to owners of parent 1,862,946 1,862,946
Repurchase of treasury stock (418,426 ) (418,426 )
Disposal of treasury stock 0 9,333 9,333
Retirement of treasury stock (296,284 ) 296,284 —
Reversal of land revaluation excess 9,142 9,142
Changes in subsidiaries’ equity (78,342 ) (78,342 )
Transfer from retained earnings to capital surplus 291,003 (291,003 ) —
Net changes of items other than shareholders’ equity (206,967 ) (204,854 )
Total changes during the period — (83,623 ) 1,047,889 (112,808 ) 851,457 (206,967 ) (204,854 )
Balance at the end of the period 2,141,513 — 14,845,617 (726,631 ) 16,260,498 1,327,127 (894,227 )
(in millions of yen)
--- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- ---
Accumulated other comprehensive income Subscriptionrights to<br>shares Non-<br>controllinginterests Total net<br>assets
Landrevaluationexcess Foreigncurrencytranslationadjustments Remeasurementsof definedbenefit plans Debt valueadjustmentsof foreignsubsidiariesand affiliates Netunrealizedgains (losses)on loans offoreignsubsidiariesandaffiliates Totalaccumulatedothercomprehensiveincome
Balance at the beginning of the period 133,967 2,762,818 507,085 (65,435 ) — 4,185,052 0 1,159,003 20,746,978
Cumulative effects of changes in accounting policies (1,896 ) 4,223
Restated balance 133,967 2,762,818 507,085 (65,435 ) — 4,183,156 0 1,159,003 20,751,202
Changes during the period
Cash dividends (533,196 )
Profits attributable to owners of parent 1,862,946
Repurchase of treasury stock (418,426 )
Disposal of treasury stock 9,333
Retirement of treasury stock —
Reversal of land revaluation excess 9,142
Changes in subsidiaries’ equity (78,342 )
Transfer from retained earnings to capital surplus —
Net changes of items other than shareholders’ equity (11,567 ) 435,460 47,416 13,772 3,457 76,719 10 48,743 125,473
Total changes during the period (11,567 ) 435,460 47,416 13,772 3,457 76,719 10 48,743 976,930
Balance at the end of the period 122,400 3,198,279 554,502 (51,663 ) 3,457 4,259,875 11 1,207,746 21,728,132

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Mitsubishi UFJ Financial Group, Inc.

For the fiscal year ended March 31, 2026

(in millions of yen)
Shareholders’ equity Accumulated othercomprehensive income
Capitalstock Capitalsurplus Retainedearnings Treasurystock Totalshareholders’<br>equity Net unrealizedgains (losses) onavailable-for-sale securities Net deferredgains (losses) onhedginginstruments
Balance at the beginning of the period 2,141,513 — 14,845,617 (726,631 ) 16,260,498 1,327,127 (894,227 )
Changes during the period
Cash dividends (848,915 ) (848,915 )
Profits attributable to owners of parent 2,427,229 2,427,229
Repurchase of treasury stock (500,061 ) (500,061 )
Disposal of treasury stock 0 2,068 2,068
Retirement of treasury stock (290,488 ) 290,488 —
Reversal of land revaluation excess 1,390 1,390
Changes in subsidiaries’ equity 15,560 15,560
Transfer from retained earnings to capital surplus 274,926 (274,926 ) —
Net changes of items other than shareholders’ equity 344,948 (368,606 )
Total changes during the period — — 1,304,777 (207,505 ) 1,097,271 344,948 (368,606 )
Balance at the end of the period 2,141,513 — 16,150,394 (934,137 ) 17,357,770 1,672,075 (1,262,833 )
(in millions of yen)
--- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- ---
Accumulated other comprehensive income Subscriptionrights toshares Non-<br>controllinginterests Total netassets
Landrevaluationexcess Foreigncurrencytranslationadjustments Remeasurementsof definedbenefit plans Debt valueadjustmentsof foreignsubsidiariesand affiliates Netunrealizedgains (losses)on loans offoreignsubsidiariesand affiliates Totalaccumulatedothercomprehensiveincome
Balance at the beginning of the period 122,400 3,198,279 554,502 (51,663 ) 3,457 4,259,875 11 1,207,746 21,728,132
Changes during the period
Cash dividends (848,915 )
Profits attributable to owners of parent 2,427,229
Repurchase of treasury stock (500,061 )
Disposal of treasury stock 2,068
Retirement of treasury stock —
Reversal of land revaluation excess 1,390
Changes in subsidiaries’ equity 15,560
Transfer from retained earnings to capital surplus —
Net changes of items other than shareholders’ equity (1,360 ) 513,236 169,727 (2,171 ) 522 656,295 87 262,364 918,747
Total changes during the period (1,360 ) 513,236 169,727 (2,171 ) 522 656,295 87 262,364 2,016,019
Balance at the end of the period 121,039 3,711,516 724,229 (53,835 ) 3,979 4,916,171 99 1,470,111 23,744,152

9

Mitsubishi UFJ Financial Group, Inc.

(4) Consolidated Statements of Cash Flows

(in millions of yen) For the fiscal year ended    March 31, 2025 For the fiscal year ended    March 31, 2026
Cash flows from operating activities:
Profits before income taxes 2,550,634 3,322,161
Depreciation and amortization 378,476 410,838
Impairment losses 141,542 67,894
Amortization of goodwill 36,553 41,835
Equity in losses (gains) of equity method investees (596,956 ) (845,545 )
Increase (decrease) in allowance for credit losses (355,752 ) (25,183 )
Increase (decrease) in reserve for bonuses 705 37,637
Increase (decrease) in reserve for bonuses to directors 134 434
Increase (decrease) in reserve for stocks payment (2,254 ) 3,209
Decrease (increase) in net defined benefit assets (80,073 ) (81,000 )
Increase (decrease) in net defined benefit liabilities 887 336
Increase (decrease) in reserve for retirement benefits to directors (2 ) 734
Increase (decrease) in reserve for loyalty award credits (10,824 ) 1,171
Increase (decrease) in reserve for contingent losses 8,400 (8,832 )
Interest income recognized on statement of income (8,467,719 ) (8,723,940 )
Interest expenses recognized on statement of income 5,591,266 5,717,866
Losses (gains) on securities 401,929 (308,777 )
Losses (gains) on money held in trust (231 ) (7,166 )
Foreign exchange losses (gains) 162,239 (3,309,405 )
Losses (gains) on sales of fixed assets (7,612 ) 7,305
Net decrease (increase) in trading assets (4,698,259 ) (13,459,490 )
Net increase (decrease) in trading liabilities 2,172,346 12,266,241
Adjustment of unsettled trading accounts 484,987 (656,939 )
Net decrease (increase) in loans and bills discounted (4,061,718 ) (11,155,656 )
Net increase (decrease) in deposits 3,607,220 9,955,494
Net increase (decrease) in negotiable certificates of deposit 792,861 226,251
Net increase (decrease) in borrowed money (excluding subordinated borrowings) (4,070,898 ) (12,878,873 )
Net decrease (increase) in call loans and bills bought and others 1,111,226 1,869,137
Net decrease (increase) in receivables under securities borrowing transactions (474,540 ) 284,023
Net increase (decrease) in call money and bills sold and others 6,820,892 (4,525,176 )
Net increase (decrease) in commercial papers 375,713 (67,743 )
Net increase (decrease) in payables under securities lending transactions (394,001 ) 499,403
Net decrease (increase) in foreign exchanges (assets) 597,580 (320,013 )
Net increase (decrease) in foreign exchanges (liabilities) (960,008 ) 204,119
Net increase (decrease) in short-term bonds payable 191,466 (155,771 )
Net increase (decrease) in issuance and redemption of unsubordinated bonds payable (2,510,207 ) 1,413,155
Net increase (decrease) in due to trust accounts (2,449,496 ) (2,034,560 )
Interest income (cash basis) 8,389,421 8,555,059
Interest expenses (cash basis) (5,573,505 ) (5,673,855 )
Others 1,233,679 (3,271,836 )
Sub-total 336,102 (22,625,455 )
Income taxes (464,398 ) (509,413 )
Refund of income taxes 134,711 70,448
Net cash provided by (used in) operating activities 6,415 (23,064,420 )

10

Mitsubishi UFJ Financial Group, Inc.

(in millions of yen) For the fiscal year ended    March 31, 2025 For the fiscal year ended    March 31, 2026
Cash flows from investing activities:
Purchases of securities (108,125,780 ) (108,294,060 )
Proceeds from sales of securities 55,734,137 73,570,247
Proceeds from redemption of securities 52,543,394 39,902,548
Payments for increase in money held in trust (1,484,910 ) (1,409,889 )
Proceeds from decrease in money held in trust 1,684,568 1,337,016
Purchases of tangible fixed assets (134,196 ) (307,914 )
Purchases of intangible fixed assets (322,505 ) (365,221 )
Proceeds from sales of tangible fixed assets 77,714 78,881
Proceeds from sales of intangible fixed assets 4 215
Payments for acquisition of subsidiaries’ equity affecting the scope of<br>consolidation (161,424 ) (36,700 )
Payments for sales of subsidiaries’ equity affecting the scope of consolidation (1,988 ) —
Others 4,038 (1,163 )
Net cash provided by (used in) investing activities (186,948 ) 4,473,959
Cash flows from financing activities:
Proceeds from subordinated borrowings 85,000 70,000
Repayments of subordinated borrowings (31,000 ) (51,500 )
Proceeds from issuance of subordinated bonds payable and bonds with warrants 674,976 588,694
Payments for redemption of subordinated bonds payable and bonds with warrants (507,910 ) (409,979 )
Proceeds from issuance of common stock to non-controlling shareholders 4,912 3,427
Proceeds from issuance of stock-based compensation liabilities by overseas subsidiaries — 4,702
Dividends paid by MUFG (532,976 ) (848,401 )
Dividends paid by subsidiaries to non-controlling<br>shareholders (43,888 ) (38,891 )
Purchases of treasury stock (418,546 ) (500,212 )
Proceeds from sales of treasury stock 15,661 3,932
Payments for purchases of subsidiaries’ equity not affecting the scope of<br>consolidation (107,344 ) (1,222 )
Proceeds form sales of subsidiaries’ equity not affecting the scope of<br>consolidation — 29,574
Net cash provided by (used in) financing activities (861,116 ) (1,149,876 )
Effect of foreign exchange rate changes on cash and cash equivalents 261,988 690,400
Net increase (decrease) in cash and cash equivalents (779,659 ) (19,049,937 )
Cash and cash equivalents at the beginning of the period 109,875,097 109,095,437
Cash and cash equivalents at the end of the period 109,095,437 90,045,500

11

Mitsubishi UFJ Financial Group, Inc.

Notes to the Consolidated Financial Statements

(Notes on Going-Concern Assumption)

None.

(Changes in Accounting Estimates)

(Change in the credit rating system used for calculating the allowance for credit losses)

Our principal domestic consolidated banking subsidiaries have established a credit rating system that is consistent with the borrower classification as a uniform standard for evaluating credit risk. The allowance for credit losses is calculated using internal credit ratings determined based on such credit rating system.

Following the adoption of a new credit rating system designed to further enhance their credit risk management framework, the subsidiaries calculated their allowance for credit losses using internal credit ratings determined under the new credit rating system beginning in the fiscal year ended March 31, 2026.

The impact of the resulting changes in accounting estimates on our consolidated financial statements for the fiscal year ended March 31, 2026, is immaterial.

(Additional Information)

(Information which is relevant to the understanding of the readers of the consolidated financial statements regarding the calculation of allowance for credit losses)

The process of calculating the allowance for credit losses for MUFG Bank, Ltd. (“the Bank”) and its domestic consolidated subsidiaries, our principal domestic consolidated banking subsidiaries, involves various estimates such as determination of borrower credit ratings which are based on evaluation and classification of borrowers’ debt-service capacity, assessment of the value of collateral provided by borrowers, estimation of future cash flows when applying the cash flow estimation method, and adjustments for future loss projections and other factors to the loss rates calculated based on historical credit loss experience.

Among these, internal credit ratings are assigned to counterparties based on qualitative factors such as the current and expected future business environment of the industry to which they belong as well as their management and funding risks in addition to quantitative financial evaluations through an analysis of their financial results. In particular, those determination of internal credit ratings for these counterparties may be highly dependent on our assessment of the prospects of improvements in their operating results and their ability to continue as going concerns.

When calculating allowance for credit losses, the Bank, our principal consolidated domestic banking subsidiary, determines loss rates primarily by calculating a rate of loss based on a historical average of the credit loss rate or a historical average of the default probability derived from actual credit loss experience or actual bankruptcy experience and making necessary adjustments based on future projections and other factors.

The Bank makes such adjustments to the loss rates calculated based on historical loss experience, taking into account future projections and other factors, especially considering the uncertain business environment arising from potential changes in the geopolitical environment, including the situation in the Middle East. These adjustments are implemented made when deemed necessary, for example, by considering any additional expected loss amount not captured by the loss rates calculated based on historical loss experience. The amount of impact of these adjustments as of March 31, 2026 is ¥24,357 million (¥33,610 million as of March 31, 2025).

In addition, certain overseas subsidiaries which apply IFRS recognize allowance for credit losses in accordance with IFRS9 “Financial Instruments.” At each reporting date, these subsidiaries assess whether the credit risk on a financial asset has increased significantly since initial recognition, and if the credit risk has not increased significantly since initial recognition, the subsidiaries measure the allowance for credit losses for the financial asset at an amount equal to the 12-month expected credit loss. On the other hand, if the credit risk on a financial asset has increased significantly since initial recognition, the subsidiaries measure the allowance for credit losses for the financial asset at an amount equal to the lifetime expected credit loss. Expected credit losses are calculated using a quantitative model that reflects economic forecast scenarios based on macroeconomic variables. The calculation process includes determination of macroeconomic variables used in multiple economic forecast scenarios and the weightings applied to each economic forecast scenario. Expected credit losses are adjusted for qualitative factors to compensate for expected credit losses that are not reflected in a quantitative model.

12

Mitsubishi UFJ Financial Group, Inc.

Significant assumptions used in our calculation of allowance for credit losses, including those described above, are subject to uncertainty. In particular, certain counterparties’ prospects of improvements in their operating results and expectations as to their ability to continue as going concerns, and adjustments to the rates of loss calculated based on actual experience for future projections and other factors, as well as determination of the macroeconomic variables used in, and the weightings applied to, multiple economic forecast scenarios, and adjustments thereto for qualitative factors, by certain subsidiaries which apply IFRS, are based on estimation relating to the economic environment, including changes in economic conditions, commodity prices and monetary and trade policies in each country as well as geopolitical environment, including the situation in the Middle East, with respect to which objective data are not readily available.

In particular, future developments concerning the geopolitical environment, including the situation in the Middle East, are subject to significant uncertainty. Accordingly, we make certain assumptions, including that disruptions in logistics and supply chain constraints related to crude oil and other commodities may continue for a certain period, but that conditions will gradually normalize, and that prices of crude oil and other commodities, while fluctuating to a certain degree, will then be on a gradual stabilizing trend. The recorded allowance represents our best estimate made based on such assumptions and in a manner designed to ensure objectivity and rationality.

These assumptions change to reflect actual developments in the geopolitical environment, including the situation in the Middle East, and changes in the assumptions may result in an increase or decrease in the allowance for credit losses in the following fiscal year.

13

Mitsubishi UFJ Financial Group, Inc.

(Segment Information)

1. Information on net revenue, operating profit (loss), and fixed assets for each reporting segment<br>

For the Fiscal Year Ended March 31, 2026

(in millions of yen)
Retail &DigitalBusinessGroup CommercialBanking &WealthManagementBusinessGroup JapaneseCorporate &InvestmentBankingBusinessGroup GlobalCommercialBankingBusinessGroup AssetManagement& InvestorServicesBusinessGroup GlobalCorporate& InvestmentBankingBusinessGroup Total ofCustomerBusiness GlobalMarketsBusinessGroup Other Total
Net revenue 1,064,642 866,902 1,125,924 904,227 621,834 1,081,474 5,665,005 306,905 19,340 5,991,251
Operating expenses 778,762 458,924 418,959 516,668 469,351 501,164 3,143,830 342,359 139,678 3,625,868
Operating profit (loss) 285,880 407,977 706,964 387,559 152,483 580,310 2,521,174 (35,453 ) (120,337 ) 2,365,383
Fixed assets at period end 333,050 199,929 176,570 2,398 23,618 163,494 899,062 95,435 488,297 1,482,795

(Notes)

1. “Net revenue” in the above table is used in lieu of net sales generally used by Japanese non-financial companies.
2. “Net revenue” includes net interest income, trust fees, net fees and commissions, net trading<br>profit, and net other operating profit.
--- ---
3. “Operating expenses” includes personnel expenses and premise expenses.
--- ---
4. “Fixed assets at period end” for each reporting segment in the above table represent those related<br>to the Bank and Mitsubishi UFJ Trust and Banking Corporation. Those fixed assets and consolidation adjustments related to MUFG and its other consolidated subsidiaries, which are not allocated to reporting segments, were ¥1,890,496 million.<br>With respect to such fixed assets not allocated to reporting segments, certain related expenses are allocated to each reporting segment on a reasonable basis.
--- ---
2. Reconciliation of the total operating profit in each of the above tables to the ordinary profit in the<br>consolidated statement of income for the corresponding fiscal year period
--- ---
(in millions of yen)
--- --- --- --- ---
Operating profit For the fiscal year endedMarch 31, 2026
Total operating profit of reporting segments 2,365,383
Operating profit of consolidated subsidiaries excluded from reporting segments (4,564 )
Provision for general allowance for credit losses 20,059
Credit related expenses (474,748 )
Gains on reversal of reserve for contingent losses included in credit costs 2,041
Gains on loans written-off 96,758
Net gains on equity securities and other securities 486,048
Equity in earnings of equity method investees 845,545
Others 73,669
Ordinary profit in the consolidated statement of income 3,410,192

14

Mitsubishi UFJ Financial Group, Inc.

(Per Share Information)

For the fiscal year endedMarch 31, 2026
Total equity per common share ¥ 1,973.30
Basic earnings per common share ¥ 213.16
Diluted earnings per common share ¥ 212.33

(Notes)

1. The bases for the calculation of basic earnings per common share and diluted earnings per common share for the<br>periods indicated were as follows:
For the fiscal year ended March 31, 2026
--- --- --- --- ---
Basic earnings per common share
Profits attributable to owners of parent million yen 2,427,229
Profits not attributable to common shareholders million yen —
Profits attributable to common shareholders of parent million yen 2,427,229
Average number of common shares during the period thousand shares 11,386,394
Diluted earnings per common share
Adjustment to profits attributable to owners of parent million yen (9,493)
Adjustment related to dilutive shares of consolidated subsidiaries and others million yen (9,493)
Increase in common shares thousand shares —
Description of antidilutive securities which were not included in the calculation of diluted<br>earnings per share Share subscription rights and Preferred shares issued by consolidated subsidiaries:<br><br><br>FSSA Holdings Limited<br> <br>Share subscription rights (ordinary<br>shares): 921 thousand shares<br> <br>Preferred shares: 614 thousand shares<br> <br><br><br><br>Share subscription rights issued by equity method affiliates:<br><br><br>Morgan Stanley<br> <br>Stock options and others: 8,706 thousand<br>units

15

Mitsubishi UFJ Financial Group, Inc.

2. The bases for the calculation of total equity per common share for the period indicated were as follows:<br>
As of March 31, 2026
--- --- --- --- ---
Total equity million yen 23,744,152
Deductions from total equity: million yen 1,470,210
Subscription rights to shares million yen 99
Non-controlling interests million yen 1,470,111
Total equity attributable to common shares million yen 22,273,941
Number of common shares at period end used for the calculation of total equity per common<br>share thousand shares 11,287,605

(Subsequent Events)

(Acquisition of Shares in Shriram Finance Limited)

On December 19, 2025, the Bank, a consolidated subsidiary of MUFG, entered into an investment agreement with Shriram Finance Limited (“Shriram Finance”), a leading non-banking financial company in India, and its major shareholders, Shriram Ownership Trust and Shriram Capital Private Limited, to subscribe to a preferential allotment of shares representing a 20% equity interest in Shriram Finance (the “Investment”). In addition, the Bank has entered into a Memorandum of Understanding regarding a strategic partnership (the “Proposed Alliance”) with Shriram Finance. Subsequently, on April 8, 2026, the Bank completed the acquisition of the shares pursuant to the investment agreement, and Shriram Finance became an equity method affiliate of MUFG and the Bank.

1. Outline of the Share Acquisition
(1) Method of acquisition: Acquisition of common shares through a preferential allotment
--- ---
(2) Total acquisition cost: JPY 706.9 billion
--- ---
(3) Board representation: Two outside directors appointed to the board of Shriram Finance by the Bank<br>
--- ---
2. Purpose of the Investment
--- ---

The Investment is a strategic investment with an aim to establish a business foundation in the MSME (Micro, Small, and Medium Enterprises) and retail markets in India, which MUFG considers to be an important growth market, and to capture the country’s growing domestic demand. By providing growth capital to Shriram Finance, MUFG aims to support the expansion of Shriram Finance’s businesses in such market segments as new commercial vehicles and MSMEs, while enhancing Shriram Finance’s funding capacity and profitability through improved creditworthiness. Furthermore, through the Proposed Alliance, MUFG seeks to combine its broad client network and know-how built through managing partner banks with Shriram Finance’s strong local presence and long-standing client relationships. Through this combination, MUFG aims to support the development of India’s road transport infrastructure and logistics value chain, which are indispensable for India’s growth, and contribute to the advancement of financial inclusion, which is an important policy agenda in India.

3. Overview of Shriram Finance
(1) Company name: Shriram Finance Limited
--- ---
(2) Business: Retail non-banking financial services
--- ---
(3) Year Established: 1979
--- ---
(4) Country of incorporation: India
--- ---
(5) Number of employees: Approximately 78,000
--- ---

16

Selected Financial Information

under Japanese GAAP

For the Fiscal Year Ended March 31, 2026

Mitsubishi UFJ Financial Group, Inc. LOGO

Mitsubishi UFJ Financial Group, Inc.

[Contents]

1.  Financial Results [ MUFG Consolidated ]*1[ BK and TB Combined ]*2*3*4<br><br><br>[ BK Consolidated ][ BK Non-consolidated ]<br><br><br>[ TB Consolidated ][ TB Non-consolidated ] 1
2.  Average Interest Rate Spread [ BK Non-consolidated ][ TB Non-consolidated ] [ BK and TB Combined ] 7
3.  Notional Principal by the Remaining Life of the Interest Rate Swaps forHedge-Accounting [ MUFG Consolidated ][ BK Consolidated ][ TB Consolidated ] 8
4.  Securities [ MUFG Consolidated ]<br> <br>[ BK<br>Non-consolidated ][ TB Non-consolidated ] 9
5.  ROE [ MUFG Consolidated ] 12
6.  Risk-Adjusted Capital Ratio [ MUFG Consolidated ][ BK Consolidated ][ TB Consolidated ]<br><br><br>[ BK Non-consolidated ][ TB Non-consolidated ] 13
7.  Loans to Be Disclosed under the Banking Act and the Financial ReconstructionAct (the “FRA”) [ MUFG Consolidated ][ BK and TB Combined including Trust Account ]<br><br><br>[ BK Non-consolidated ][ TB Non-consolidated ]<br><br><br>[ TB Non-consolidated : Trust Account ] 14
8.  Progress in Disposition of Problem Assets [ BK Non-consolidated ]<br><br><br>[ TB Non-consolidated including Trust Account ] 20
9.  Loans Classified by Type of Industry [ BK and TB Combined including Trust Accounts ]<br><br><br>[ BK Non-consolidated ][ TB Non-consolidated ]<br><br><br>[ TB Non-consolidated : Trust Accounts ] 22
10 Domestic Consumer Loans, Domestic Loans toSmall/Medium-Sized Companies and Proprietors [ BK and TB Combined including Trust Accounts ]<br><br><br>[ BK Non-consolidated ][ TB Non-consolidated ]<br><br><br>[ TB Non-consolidated including Trust Account ] 26
11.  Overseas Loans [ BK Consolidated excl. KS, BDI ]*5*6 27
12.  Loans and Deposits [ BK and TB Combined ]<br><br><br>[ BK Non-consolidated ][ TB Non-consolidated ] 28
13.  Domestic Deposits [ BK and TB Combined ]<br><br><br>[ BK Non-consolidated ][ TB Non-consolidated ] 29
14.  Status of Deferred Tax Assets [ BK Non-consolidated ][ TB Non-consolidated ] 30
15.  Retirement Benefits [ MUFG Consolidated ]<br> <br>[ BK<br>Non-consolidated ][ TB Non-consolidated ] 32
(Reference)<br><br><br>1.  Financial Statements [ BK Non-consolidated ][ TB Non-consolidated ] 35
(*1) “MUFG” means Mitsubishi UFJ Financial Group, Inc.
--- ---
(*2) “BK” means MUFG Bank, Ltd.
--- ---
(*3) “TB” means Mitsubishi UFJ Trust and Banking Corporation.
--- ---
(*4) “BK and TB Combined” means simple sum of “BK” and “TB” without<br>consolidation processes.
--- ---
(*5) “KS” means Bank of Ayudhya Public Company Limited.
--- ---
(*6) “BDI” means PT Bank Danamon Indonesia, Tbk.
--- ---

Mitsubishi UFJ Financial Group, Inc.

1. Financial Results

MUFG Consolidated

(in millions of yen)
For the fiscal year ended Increase
March 31, 2026(A) March 31, 2025(B) (Decrease)   (A) - (B)
Gross profits **** 5,944,464 **** 4,819,311 1,125,153
Gross profits before credit costs for trust accounts **** 5,944,459 **** 4,819,305 1,125,153
Net interest income **** 3,006,251 **** 2,876,551 129,699
Trust fees **** 163,112 **** 144,395 18,716
Credit costs for trust accounts (1) **** 5 **** 5 (0 )
Net fees and commissions **** 2,226,805 **** 1,945,821 280,984
Net trading profits **** 329,467 **** 454,258 (124,791 )
Net other operating profits **** 218,827 **** (601,716 ) 820,543
Net gains (losses) on debt securities **** (177,270 ) (991,466 ) 814,196
General and administrative expenses **** 3,567,214 **** 3,228,113 339,100
Amortization of goodwill **** 41,835 **** 36,553 5,282
Net operating profits before credit costs for trust accounts, provision for general allowance for<br>credit losses and amortization of goodwill **** 2,419,080 **** 1,627,744 791,335
Net operating profits before credit costs for trust accounts and provision for general allowance<br>for credit losses **** 2,377,245 **** 1,591,191 786,053
Provision for general allowance for credit losses (2) **** 20,059 **** — 20,059
Net operating profits* **** 2,397,310 **** 1,591,197 806,112
Net non-recurring gains (losses) **** 1,012,882 **** 1,078,285 (65,403 )
Credit costs (3) **** (474,748 ) (302,261 ) (172,487 )
Losses on loan write-offs **** (252,555 ) (289,683 ) 37,127
Provision for specific allowance for credit losses **** (202,377 ) — (202,377 )
Other credit costs **** (19,814 ) (12,577 ) (7,236 )
Reversal of allowance for credit losses (4) **** — **** 76,843 (76,843 )
Reversal of reserve for contingent losses included in credit costs (5) **** 2,041 **** 4,480 (2,438 )
Gains on loans written-off (6) **** 96,758 **** 112,203 (15,445 )
Net gains (losses) on equity securities **** 486,048 **** 592,560 (106,512 )
Gains on sales of equity securities **** 604,728 **** 679,000 (74,272 )
Losses on sales of equity securities **** (100,295 ) (35,457 ) (64,837 )
Losses on write-down of equity securities **** (18,385 ) (50,982 ) 32,597
Equity in earnings of equity method investees **** 845,545 **** 596,956 248,589
Other non-recurring gains (losses) **** 57,237 **** (2,496 ) 59,734
Ordinary profits **** 3,410,192 **** 2,669,483 740,709
Net extraordinary gains (losses) **** (88,031 ) (118,848 ) 30,817
Net gains (losses) on disposition of fixed assets **** (7,305 ) 7,612 (14,918 )
Losses on impairment of fixed assets **** (67,894 ) (141,542 ) 73,647
Net gains (losses) on step acquisitions **** 20,801 **** (5,854 ) 26,656
Gains on liquidation of subsidiaries **** 18,140 **** — 18,140
Gains on sales of shares of affiliates **** (19,797 ) (23,565 ) 3,768
Expenses relating to systems integration **** (31,091 ) — (31,091 )
Gains on sales of shares of affiliates **** — **** 47,759 (47,759 )
Losses on sales of shares of subsidiaries **** — **** (3,023 ) 3,023
Profits before income taxes **** 3,322,161 **** 2,550,634 771,526
Income taxes-current **** 853,410 **** 382,695 470,715
Income taxes-deferred **** (91,761 ) 226,461 (318,223 )
Total taxes **** 761,648 **** 609,156 152,491
Profits **** 2,560,512 **** 1,941,477 619,034
Profits attributable to non-controlling interests **** 133,283 **** 78,530 54,752
Profits attributable to owners of parent **** 2,427,229 **** 1,862,946 564,282
Note:
*  Net operating profits = Banking subsidiaries’ net operating<br>profits + Other consolidated entities’ gross profits - Other consolidated entities’ general and administrative expenses - Other consolidated entities’ provision for general allowance for credit losses - Amortization of goodwill -<br>Inter-company transactions
(Reference)
Total credit costs (1)+(2)+(3)+(4)+(5)+(6) **** (355,883 ) (108,728 ) (247,155 )
Number of consolidated subsidiaries **** 345 **** 334 11
Number of affiliated companies accounted for under the equity method **** 55 **** 54 1

1

Mitsubishi UFJ Financial Group, Inc.

BK and TB Combined

(in millions of yen)
For the fiscal year ended Increase
March 31, 2026(A) March 31, 2025(B) (Decrease)   (A) - (B)
Gross profits **** 3,145,455 **** 2,152,855 992,600
Gross profits before credit costs for trust accounts **** 3,145,449 **** 2,152,849 992,600
Domestic gross profits **** 1,554,630 **** 1,414,555 140,074
Net interest income **** 1,111,967 **** 950,962 161,005
Trust fees **** 143,432 **** 126,186 17,245
Credit costs for trust accounts (1) **** 5 **** 5 (0 )
Net fees and commissions **** 466,717 **** 408,001 58,716
Net trading profits **** (33,027 ) (11,232 ) (21,794 )
Net other operating profits **** (134,460 ) (59,361 ) (75,098 )
Net gains (losses) on debt securities **** (301,798 ) (162,846 ) (138,952 )
Non-domestic gross profits **** 1,590,825 **** 738,299 852,525
Net interest income **** 801,922 **** 805,926 (4,003 )
Net fees and commissions **** 523,878 **** 419,822 104,056
Net trading profits **** 68,632 **** 60,855 7,777
Net other operating profits **** 196,390 **** (548,304 ) 744,695
Net gains (losses) on debt securities **** 122,520 **** (825,508 ) 948,028
General and administrative expenses **** 1,780,065 **** 1,561,017 219,048
Personnel expenses **** 728,420 **** 656,054 72,366
Non-personnel expenses **** 953,031 **** 831,714 121,316
Taxes **** 98,613 **** 73,248 25,364
Net operating profits before credit costs for trust accounts and provision for general allowance<br>for credit losses **** 1,365,384 **** 591,832 773,552
Provision for general allowance for credit losses (2) **** 32,354 **** — 32,354
Net operating profits **** 1,397,744 **** 591,837 805,906
Net non-recurring gains (losses) **** 475,104 **** 840,637 (365,533 )
Credit costs (3) **** (78,658 ) (21,368 ) (57,289 )
Reversal of allowance for credit losses (4) **** — **** 237,127 (237,127 )
Reversal of reserve for contingent losses included in credit costs (5) **** 1,661 **** 4,747 (3,086 )
Gains on loans written-off (6) **** 9,124 **** 17,129 (8,005 )
Net gains (losses) on equity securities **** 473,857 **** 570,073 (96,216 )
Gains on sales of equity securities **** 585,927 **** 654,204 (68,276 )
Losses on sales of equity securities **** (97,281 ) (33,038 ) (64,243 )
Losses on write-down of equity securities **** (14,788 ) (51,092 ) 36,303
Other non-recurring gains (losses) **** 69,119 **** 32,927 36,191
Ordinary profits **** 1,872,849 **** 1,432,475 440,373
Net extraordinary gains (losses) **** (39,569 ) 44,002 (83,571 )
Net gains (losses) on disposition of fixed assets **** (9,367 ) 5,699 (15,067 )
Losses on impairment of fixed assets **** (7,009 ) (27,179 ) 20,170
Gains on liquidation of subsidiaries **** 21,300 **** — 21,300
Gains on sales of shares of subsidiaries **** 11,889 **** — 11,889
Gains on sales of shares of affiliates **** 113 **** 67,142 (67,029 )
Losses on write-down of shares of subsidiaries **** (56,496 ) — (56,496 )
Gains on extinguishment of tie-in shares **** — **** 219 (219 )
Losses on sales of shares of subsidiaries **** — **** (1,879 ) 1,879
Income before income taxes **** 1,833,279 **** 1,476,477 356,801
Income taxes-current **** 656,606 **** 223,371 433,234
Income taxes-deferred **** (147,134 ) 139,691 (286,825 )
Total taxes **** 509,472 **** 363,062 146,409
Net income **** 1,323,806 **** 1,113,414 210,392
(Reference)
Total credit costs (1)+(2)+(3)+(4)+(5)+(6) **** (35,512 ) 237,642 (273,154 )
Credit costs for trust accounts **** 5 **** 5 (0 )
Provision for general allowance for credit losses **** 32,354 **** 43,429 (11,075 )
Provision for special allowance for credit losses **** (42,848 ) 183,670 (226,519 )
Allowance for credit to specific foreign borrowers **** 3,512 **** 10,026 (6,514 )
Losses on loans write-offs **** (26,458 ) (11,625 ) (14,833 )
Provision for contingent losses included in credit costs **** 1,523 **** 4,747 (3,224 )
Gains on loans written-off **** 9,124 **** 17,129 (8,005 )
Losses on sales of other loans, etc. **** (12,725 ) (9,742 ) (2,982 )
Net operating profits before credit costs for trust accounts and provision for general allowance<br>for credit losses, excluding net gains (losses) on debt securities **** 1,544,662 **** 1,580,186 (35,523 )
Net operating profits before credit costs for trust accounts and provision for general allowance<br>for credit losses, excluding net gains (losses) on debt securities and investment trusts cancellation **** 1,576,336 **** 1,491,177 85,158

2

Mitsubishi UFJ Financial Group, Inc.

BK Consolidated

(in millions of yen)
For the fiscal year ended Increase
March 31, 2026(A) March 31, 2025(B) (Decrease)   (A) - (B)
Gross profits **** 4,237,458 **** 3,363,142 874,315
Net interest income **** 2,620,294 **** 2,528,676 91,618
Net fees and commissions **** 1,216,579 **** 1,038,161 178,417
Net trading profits **** 307,203 **** 164,215 142,988
Net other operating profits **** 93,380 **** (367,910 ) 461,291
Net gains (losses) on debt securities **** (95,795 ) (843,312 ) 747,516
General and administrative expenses **** 2,380,443 **** 2,132,909 247,533
Amortization of goodwill **** 18,264 **** 15,487 2,776
Net operating profits before provision for general allowance for credit losses and amortization of<br>goodwill **** 1,875,279 **** 1,245,721 629,558
Net operating profits before provision for general allowance for credit losses **** 1,857,015 **** 1,230,233 626,781
Provision for general allowance for credit losses (1) **** 22,800 **** — 22,800
Net operating profits* **** 1,879,815 **** 1,230,233 649,582
Net non-recurring gains (losses) **** 295,053 **** 526,278 (231,224 )
Credit costs (2) **** (336,455 ) (194,205 ) (142,250 )
Losses on loan write-offs **** (138,816 ) (181,624 ) 42,807
Provision for specific allowance for credit losses **** (177,824 ) — (177,824 )
Other credit costs **** (19,814 ) (12,580 ) (7,233 )
Reversal of allowance for credit losses (3) **** — **** 107,208 (107,208 )
Reversal of reserve for contingent losses included in credit costs (4) **** 2,040 **** 4,260 (2,219 )
Gains on loans written-off (5) **** 68,738 **** 85,399 (16,660 )
Net gains (losses) on equity securities **** 385,996 **** 440,199 (54,203 )
Gains on sales of equity securities **** 495,268 **** 521,536 (26,267 )
Losses on sales of equity securities **** (98,980 ) (32,800 ) (66,179 )
Losses on write-down of equity securities **** (10,291 ) (48,536 ) 38,244
Equity in earnings of equity method investees **** 92,754 **** 50,465 42,288
Other non-recurring gains (losses) **** 81,979 **** 32,949 49,029
Ordinary profits **** 2,174,869 **** 1,756,511 418,357
Net extraordinary gains (losses) **** 13,484 **** (11,142 ) 24,627
Net gains (losses) on disposition of fixed assets **** (9,832 ) 5,991 (15,823 )
Losses on impairment of fixed assets **** (14,480 ) (59,055 ) 44,575
Net gains (losses) on step acquisitions **** 20,539 **** (5,854 ) 26,393
Gains on liquidation of subsidiaries **** 18,140 **** — 18,140
Gains on sales of shares of affiliates **** — **** 47,759 (47,759 )
Profits before income taxes **** 2,188,354 **** 1,745,369 442,984
Income taxes-current **** 699,626 **** 270,983 428,643
Income taxes-deferred **** (105,458 ) 197,309 (302,767 )
Total taxes **** 594,168 **** 468,292 125,876
Profits **** 1,594,185 **** 1,277,077 317,108
Profits attributable to non-controlling interests **** 57,930 **** 45,197 12,733
Profits attributable to owners of parent **** 1,536,255 **** 1,231,880 304,375
Note:
*  Net operating profits = Net operating profits of BK + Other<br>consolidated entities’ gross profits - Other consolidated entities’ general and administrative expenses - Other consolidated entities’ provision for general allowance for credit losses - Amortization of goodwill - Inter-company<br>transactions
(Reference)
Total credit costs (1)+(2)+(3)+(4)+(5) **** (242,875 ) 2,663 (245,538 )
Number of consolidated subsidiaries **** 131 **** 117 14
Number of affiliated companies accounted for under the equity method **** 44 **** 46 (2 )

3

Mitsubishi UFJ Financial Group, Inc.

BK Non-consolidated

(in millions of yen)
For the fiscal year ended Increase
March 31, 2026(A) March 31, 2025(B) (Decrease)   (A) - (B)
Gross profits **** 2,771,254 **** 1,876,884 894,369
Domestic gross profits **** 1,195,098 **** 1,065,366 129,732
Net interest income **** 1,013,254 **** 837,775 175,478
Net fees and commissions **** 342,710 **** 289,903 52,807
Net trading profits **** 20,879 **** 11,191 9,688
Net other operating profits **** (181,746 ) (73,503 ) (108,242 )
Net gains (losses) on debt securities **** (230,858 ) (127,658 ) (103,200 )
Non-domestic gross profits **** 1,576,155 **** 811,517 764,637
Net interest income **** 705,016 **** 742,515 (37,499 )
Net fees and commissions **** 522,206 **** 418,593 103,613
Net trading profits **** 134,235 **** 86,549 47,685
Net other operating profits **** 214,697 **** (436,141 ) 650,838
Net gains (losses) on debt securities **** 133,835 **** (713,624 ) 847,460
General and administrative expenses **** 1,559,250 **** 1,355,137 204,112
Personnel expenses **** 661,213 **** 591,664 69,548
Non-personnel expenses **** 809,299 **** 698,337 110,961
Amortization of goodwill **** 3,574 **** 3,510 63
Taxes **** 88,737 **** 65,134 23,602
Net operating profits before provision for general allowance for credit losses and amortization of<br>goodwill **** 1,215,578 **** 525,257 690,320
Net operating profits before provision for general allowance for credit losses **** 1,212,003 **** 521,746 690,256
Provision for general allowance for credit losses (1) **** 33,079 **** — 33,079
Net operating profits **** 1,245,083 **** 521,746 723,336
Net non-recurring gains (losses) **** 362,820 **** 685,763 (322,942 )
Credit costs (2) **** (78,378 ) (21,369 ) (57,008 )
Reversal of allowance for credit losses (3) **** — **** 237,094 (237,094 )
Reversal of reserve for contingent losses included in credit costs (4) **** 1,661 **** 4,527 (2,866 )
Gains on loans written-off (5) **** 9,119 **** 17,112 (7,993 )
Net gains (losses) on equity securities **** 381,670 **** 434,630 (52,959 )
Gains on sales of equity securities **** 484,674 **** 512,427 (27,753 )
Losses on sales of equity securities **** (95,886 ) (30,314 ) (65,572 )
Losses on write-down of equity securities **** (7,116 ) (47,482 ) 40,365
Other non-recurring gains (losses) **** 48,748 **** 13,768 34,979
Ordinary profits **** 1,607,904 **** 1,207,510 400,393
Net extraordinary gains (losses) **** (34,066 ) 69,114 (103,181 )
Net gains (losses) on disposition of fixed assets **** (8,181 ) 4,365 (12,546 )
Losses on impairment of fixed assets **** (2,692 ) (2,612 ) (79 )
Gains on liquidation of subsidiaries **** 21,300 **** — 21,300
Gains on sales of shares of subsidiaries **** 11,889 **** — 11,889
Gains on sales of shares of affiliates **** 113 **** 67,142 (67,029 )
Losses on write-down of shares of subsidiaries **** (56,496 ) — (56,496 )
Gains on extinguishment of tie-in shares **** — **** 219 (219 )
Income before income taxes **** 1,573,837 **** 1,276,624 297,212
Income taxes-current **** 583,814 **** 183,469 400,344
Income taxes-deferred **** (145,246 ) 133,977 (279,224 )
Total taxes **** 438,567 **** 317,446 121,120
Net income **** 1,135,269 **** 959,178 176,091
(Reference)
Total credit costs (1)+(2)+(3)+(4)+(5) **** (34,518 ) 237,364 (271,883 )
Provision for general allowance for credit losses **** 33,079 **** 43,401 (10,321 )
Provision for special allowance for credit losses **** (42,706 ) 183,666 (226,373 )
Allowance for credit to specific foreign borrowers **** 3,512 **** 10,026 (6,514 )
Losses on loans write-off **** (26,458 ) (11,625 ) (14,833 )
Provision for contingent losses included in credit costs **** 1,661 **** 4,527 (2,866 )
Gains on loans written-off **** 9,119 **** 17,112 (7,993 )
Losses on sales of other loans, etc. **** (12,725 ) (9,744 ) (2,981 )
Net operating profits before provision for general allowance for credit losses, excluding net gains<br>(losses) on debt securities **** 1,309,026 **** 1,363,029 (54,002 )
Net operating profits before provision for general allowance for credit losses, excluding net gains<br>(losses) on debt securities and investment trusts cancellation **** 1,378,404 **** 1,310,261 68,142

4

Mitsubishi UFJ Financial Group, Inc.

TB Consolidated

(in millions of yen)
For the fiscal year ended Increase
March 31, 2026(A) March 31, 2025(B) (Decrease)   (A) - (B)
Gross profits **** 777,077 **** 565,406 211,670
Gross profits before credit costs for trust accounts **** 777,072 **** 565,401 211,671
Trust fees **** 163,436 **** 144,723 18,713
Trust fees before credit costs for trust accounts **** 163,431 **** 144,717 18,713
Money trusts fees (Jointly operated designated money trusts before credit costs for trust<br>account) **** 15,809 **** 11,368 4,440
Other trust fees **** 147,621 **** 133,349 14,272
Credit costs for trust accounts (1) **** 5 **** 5 (0 )
Net interest income **** 218,231 **** 146,287 71,943
Net fees and commissions **** 453,831 **** 403,725 50,106
Net trading profits **** (118,111 ) (45,805 ) (72,305 )
Net other operating profits **** 59,689 **** (83,524 ) 143,214
Net gains (losses) on debt securities **** (82,255 ) (147,072 ) 64,816
General and administrative expenses **** 581,671 **** 507,788 73,882
Amortization of goodwill **** 24,189 **** 21,169 3,019
Net operating profits before credit costs for trust accounts, provision for general allowance for<br>credit losses and amortization of goodwill **** 219,590 **** 78,781 140,809
Net operating profits before credit costs for trust accounts and provision for general allowance<br>for credit losses **** 195,401 **** 57,612 137,789
Provision for general allowance for credit losses (2) **** (671 ) — (671 )
Net operating profits* **** 194,735 **** 57,618 137,117
Net non-recurring gains (losses) **** 114,188 **** 162,013 (47,824 )
Credit costs (3) **** (533 ) (1 ) (531 )
Losses on loan write-offs **** (11 ) (5 ) (6 )
Provision for specific allowance for credit losses **** (522 ) — (522 )
Other credit costs **** — **** 3 (3 )
Reversal of allowance for credit losses (4) **** — **** 169 (169 )
Reversal of reserve for contingent losses included in credit costs (5) **** — **** 219 (219 )
Gains on loans written-off (6) **** 11 **** 87 (75 )
Net gains (losses) on equity securities **** 93,305 **** 135,539 (42,233 )
Gains on sales of equity securities **** 101,253 **** 141,883 (40,630 )
Losses on sales of equity securities **** (1,394 ) (2,723 ) 1,329
Losses on write-down of equity securities **** (6,553 ) (3,620 ) (2,932 )
Equity in earnings of equity method investees **** 1,611 **** 1,297 314
Other non-recurring gains (losses) **** 19,794 **** 24,701 (4,907 )
Ordinary profits **** 308,923 **** 219,631 89,292
Net extraordinary gains (losses) **** (50,086 ) (49,112 ) (973 )
Net gains (losses) on disposition of fixed assets **** 3,186 **** 3,135 50
Losses on impairment of fixed assets **** (53,277 ) (49,327 ) (3,950 )
Losses on sales of shares of subsidiaries **** — **** (3,023 ) 3,023
Profits before income taxes **** 258,837 **** 170,518 88,319
Income taxes-current **** 91,855 **** 59,425 32,429
Income taxes-deferred **** (5,434 ) 1,855 (7,290 )
Total taxes **** 86,421 **** 61,281 25,139
Profits **** 172,416 **** 109,237 63,179
Profits attributable to non-controlling interests **** (8,174 ) (3,870 ) (4,303 )
Profits attributable to owners of parent **** 180,591 **** 113,107 67,483
Note:
*  Net operating profits = Net operating profits of TB + Other<br>consolidated entities’ gross profits - Other consolidated entities’ general and administrative expenses - Other consolidated entities’ provision for general allowance for credit losses - Amortization of goodwill - Inter-company<br>transactions
(Reference)
Total credit costs (1)+(2)+(3)+(4)+(5)+(6) **** (1,188 ) 481 (1,669 )
Number of consolidated subsidiaries **** 185 **** 185 —
Number of affiliated companies accounted for under the equity method **** 7 **** 6 1
TB Consolidated (combined operating results of TB and<br>transferred entities to MUAH in the United States)<br> <br>TB transferred the interests in its subsidiaries in the United States to MUAH in United States which are<br>owned by BK and MUFG.<br> <br><br> <br>The combined operating results of TB and transferred entities<br>are as follows (the operating results of transferred entities are prepared for managerial accounting purpose):
Net operating profits before credit costs for trust accounts and provision for general allowance<br>for credit losses **** 198,125 **** 60,198 137,926
Profits attributable to owners of parent **** 178,991 **** 111,075 67,915
Number of the entities transferred to MUAH **** 4 **** 4 —

5

Mitsubishi UFJ Financial Group, Inc.

TB Non-consolidated

(in millions of yen)
For the fiscal year ended Increase
March 31, 2026(A) March 31, 2025(B) (Decrease)<br><br>(A) - (B)
Gross profits **** 374,201 **** 275,970 98,230
Gross profits before credit costs for trust accounts **** 374,195 **** 275,965 98,230
Domestic gross profits **** 359,531 **** 349,188 10,342
Trust fees **** 143,432 **** 126,186 17,245
Trust fees before credit costs for trust accounts **** 143,426 **** 126,180 17,246
Money trusts fees (Jointly operated designated money trusts before credit costs for trust<br>account) **** 15,809 **** 11,368 4,440
Other trust fees **** 127,617 **** 114,811 12,805
Credit costs for trust accounts (1) **** 5 **** 5 (0 )
Net interest income **** 98,713 **** 113,186 (14,473 )
Net fees and commissions **** 124,007 **** 118,098 5,909
Net trading profits **** (53,907 ) (22,424 ) (31,482 )
Net other operating profits **** 47,285 **** 14,142 33,143
Net gains (losses) on debt securities **** (70,940 ) (35,188 ) (35,751 )
Non-domestic gross profits **** 14,670 **** (73,217 ) 87,887
Net interest income **** 96,906 **** 63,410 33,495
Net fees and commissions **** 1,672 **** 1,229 443
Net trading profits **** (65,602 ) (25,694 ) (39,907 )
Net other operating profits **** (18,306 ) (112,162 ) 93,856
Net gains (losses) on debt securities **** (11,315 ) (111,884 ) 100,568
General and administrative expenses **** 220,814 **** 205,879 14,935
Personnel expenses **** 67,207 **** 64,389 2,817
Non-personnel expenses **** 143,731 **** 133,376 10,355
Taxes **** 9,875 **** 8,113 1,761
Net operating profits before credit costs for trust accounts and provision for general allowance<br>for credit losses **** 153,380 **** 70,085 83,295
Provision for general allowance for credit losses (2) **** (725 ) — (725 )
Net operating profits **** 152,661 **** 70,091 82,570
Net non-recurring gains (losses) **** 112,283 **** 154,874 (42,590 )
Credit costs (3) **** (279 ) 1 (281 )
Reversal of allowance for credit losses (4) **** — **** 33 (33 )
Reversal of reserve for contingent losses included in credit costs (5) **** — **** 219 (219 )
Gains on loans written-off (6) **** 5 **** 16 (11 )
Net gains (losses) on equity securities **** 92,187 **** 135,443 (43,256 )
Gains on sales of equity securities **** 101,253 **** 141,777 (40,523 )
Losses on sales of equity securities **** (1,394 ) (2,723 ) 1,328
Losses on write-down of equity securities **** (7,672 ) (3,610 ) (4,061 )
Other non-recurring gains (losses) **** 20,370 **** 19,159 1,211
Ordinary profits **** 264,945 **** 224,965 39,979
Net extraordinary gains (losses) **** (5,503 ) (25,112 ) 19,609
Net gains (losses) on disposition of fixed assets **** (1,185 ) 1,334 (2,520 )
Losses on impairment of fixed assets **** (4,317 ) (24,567 ) 20,249
Losses on sales of shares of subsidiaries **** — **** (1,879 ) 1,879
Income before income taxes **** 259,442 **** 199,852 59,589
Income taxes-current **** 72,792 **** 39,902 32,890
Income taxes-deferred **** (1,887 ) 5,713 (7,601 )
Total taxes **** 70,904 **** 45,616 25,288
Net income **** 188,537 **** 154,236 34,300
(Reference)
Total credit costs (1)+(2)+(3)+(4)+(5)+(6) **** (993 ) 277 (1,271 )
Credit costs for trust accounts **** 5 **** 5 (0 )
Provision for general allowance for credit losses **** (725 ) 28 (753 )
Provision for special allowance for credit losses **** (141 ) 4 (146 )
Allowance for credit to specific foreign borrowers **** — **** — —
Losses on loans write-offs **** — **** — —
Provision for contingent losses included in credit costs **** (138 ) 219 (358 )
Gains on loans written-off **** 5 **** 16 (11 )
Losses on sales of other loans, etc. **** — **** 1 (1 )
Net operating profits before credit costs for trust accounts and provision for general allowance<br>for credit losses, excluding net gains (losses) on debt securities **** 235,636 **** 217,157 18,478
Net operating profits before credit costs for trust accounts and provision for general allowance<br>for credit losses, excluding net gains (losses) on debt securities and investment trusts cancellation **** 197,931 **** 180,915 17,015

6

Mitsubishi UFJ Financial Group, Inc.

2. Average Interest Rate Spread

BK Non-consolidated

(percentage per annum)
(Domestic business segment) For the fiscal yearendedMarch 31, 2026(A) Increase<br>(Decrease)<br>(A) - (B) For the fiscal year<br>ended<br>March 31, 2025(B)
Total average interest rate on interest-earning assets (a) **** 0.80 **** 0.27 0.53
Average interest rate on loans and bills discounted (b) **** 1.16 **** 0.29 0.86
Average interest rate on securities **** 0.72 **** 0.11 0.61
Total average interest rate on interest-bearing liabilities (c)
<including general and administrative expenses> **** 0.62 **** 0.21 0.40
Average interest rate on deposits and NCD (d) **** 0.19 **** 0.13 0.05
Average interest rate on other liabilities **** 0.69 **** 0.38 0.31
Overall interest rate spread (a)-(c) **** 0.18 **** 0.05 0.12
Interest rate spread (b)-(d) **** 0.96 **** 0.15 0.81
(After excluding loans to the Japanese government and governmental organizations)
Average interest rate on loans and bills discounted (e) **** 1.21 **** 0.27 0.94
Interest rate spread (e)-(d) **** 1.02 **** 0.13 0.88
TB Non-consolidated
(percentage per annum)
(Domestic business segment) For the fiscal yearendedMarch 31, 2026(A) Increase<br>(Decrease)<br>(A) - (B) For the fiscal year<br>ended<br>March 31, 2025(B)
Total average interest rate on interest-earning assets (a) **** 1.04 **** 0.12 0.91
Average interest rate on loans and bills discounted (b) **** 1.02 **** 0.25 0.77
Average interest rate on securities **** 2.82 **** (0.81 ) 3.64
Total average interest rate on interest-bearing liabilities (c) **** 0.55 **** 0.24 0.30
Average interest rate on deposits and NCD (d) **** 0.40 **** 0.27 0.13
Overall interest rate spread (a)-(c) **** 0.48 **** (0.11 ) 0.60
Interest rate spread (b)-(d) **** 0.62 **** (0.01 ) 0.63
(After excluding loans to the Japanese government and governmental organizations)
Average interest rate on loans and bills discounted (e) **** 1.02 **** 0.22 0.80
Interest rate spread (e)-(d) **** 0.62 **** (0.04 ) 0.67
(Reference)
BK and TB Combined
(percentage per annum)
(Domestic business segment) For the fiscal yearendedMarch 31, 2026(A) Increase<br>(Decrease)<br>(A) - (B) For the fiscal year<br>ended<br>March 31, 2025<br>(B)
Average interest rate on loans and bills discounted (a) **** 1.15 **** 0.29 0.86
Average interest rate on deposits and NCD (b) **** 0.21 **** 0.14 0.06
Interest rate spread (a)-(b) **** 0.94 **** 0.14 0.80
(After excluding loans to the Japanese government and governmental organizations)
Average interest rate on loans and bills discounted (c) **** 1.21 **** 0.27 0.94
Interest rate spread (c)-(b) **** 1.00 **** 0.12 0.87

7

Mitsubishi UFJ Financial Group, Inc.

3. Notional Principal by the Remaining Life of the Interest Rate Swaps for Hedge-Accounting

MUFG Consolidated

(in billions of yen)
As of March 31, 2026
within 1 year 1 year to 5 years over 5 years Total
Receive-fix/pay-floater **** 5,747.4 **** **** 11,130.2 **** **** 11,543.4 **** **** 28,421.1 ****
Receive-floater/pay-fix **** 4,302.6 **** **** 18,663.6 **** **** 3,122.1 **** **** 26,088.5 ****
Receive-floater/pay-floater **** — **** **** — **** **** — **** **** — ****
Receive-fix/pay-fix **** — **** **** — **** **** — **** **** — ****
Total **** 10,050.0 **** **** 29,793.9 **** **** 14,665.6 **** **** 54,509.6 ****
BK Consolidated ****
(in billions of yen)
As of March 31, 2026
within 1 year 1 year to 5 years over 5 years Total
Receive-fix/pay-floater **** 4,884.4 **** **** 9,874.0 **** **** 11,441.1 **** **** 26,199.6 ****
Receive-floater/pay-fix **** 3,374.7 **** **** 16,736.3 **** **** 2,396.5 **** **** 22,507.6 ****
Receive-floater/pay-floater **** — **** **** — **** **** — **** **** — ****
Receive-fix/pay-fix **** — **** **** — **** **** — **** **** — ****
Total **** 8,259.1 **** **** 26,610.4 **** **** 13,837.6 **** **** 48,707.2 ****
TB Consolidated ****
(in billions of yen)
As of March 31, 2026
within 1 year 1 year to 5 years over 5 years Total
Receive-fix/pay-floater **** 862.9 **** **** 1,256.1 **** **** 102.3 **** **** 2,221.4 ****
Receive-floater/pay-fix **** 927.9 **** **** 1,927.3 **** **** 725.6 **** **** 3,580.8 ****
Receive-floater/pay-floater **** — **** **** — **** **** — **** **** — ****
Receive-fix/pay-fix **** — **** **** — **** **** — **** **** — ****
Total **** 1,790.8 **** **** 3,183.5 **** **** 827.9 **** **** 5,802.3 ****

8

Mitsubishi UFJ Financial Group, Inc.

4. Securities

MUFG Consolidated

The tables include negotiable certificates of deposit in “Cash and due from banks”, securitized products in “Monetary claims bought” and others in addition to “Securities”.

Fair Value Information on Securities

(in millions of yen)
As of March 31, 2026 As of March 31, 2025
Amount onconsolidatedbalance sheet Unrealizedgains (losses) Gains Losses Amount onconsolidatedbalance sheet Unrealizedgains (losses) Gains Losses
Debt securities being held to maturity **** 26,012,559 **** **** (1,119,329 ) **** 28,462 **** **** 1,147,791 **** 23,272,183 (625,190 ) 15,276 640,467
Domestic bonds **** 19,681,132 **** **** (1,020,494 ) **** — **** **** 1,020,494 **** 17,115,009 (491,977 ) 3 491,980
Government bonds **** 15,270,891 **** **** (704,290 ) **** — **** **** 704,290 **** 13,300,923 (369,059 ) — 369,059
Municipal bonds **** 2,847,327 **** **** (165,265 ) **** — **** **** 165,265 **** 2,545,626 (93,140 ) — 93,140
Corporate bonds **** 1,562,913 **** **** (150,938 ) **** — **** **** 150,938 **** 1,268,459 (29,777 ) 3 29,781
Other **** 6,331,426 **** **** (98,835 ) **** 28,462 **** **** 127,297 **** 6,157,174 (133,213 ) 15,272 148,486
Foreign bonds **** 4,488,121 **** **** (99,574 ) **** 25,120 **** **** 124,694 **** 4,690,276 (137,239 ) 10,825 148,065
Other **** 1,843,304 **** **** 739 **** **** 3,341 **** **** 2,602 **** 1,466,897 4,026 4,446 420
(in millions of yen)
As of March 31, 2026 As of March 31, 2025
Amount onconsolidatedbalance sheet Unrealizedgains (losses) Gains Losses Amount onconsolidatedbalance sheet Unrealizedgains (losses) Gains Losses
Available-for-sale<br>securities **** 57,786,465 **** **** 2,708,595 **** **** 3,396,364 **** **** 687,769 **** 61,321,796 2,203,663 2,898,215 694,551
Domestic equity securities **** 3,735,905 **** **** 2,818,354 **** **** 2,825,170 **** **** 6,816 **** 3,540,457 2,458,566 2,468,724 10,158
Domestic bonds **** 14,785,152 **** **** (289,268 ) **** 1,809 **** **** 291,077 **** 23,123,161 (249,533 ) 4,371 253,905
Government bonds **** 13,346,832 **** **** (147,696 ) **** 126 **** **** 147,823 **** 21,181,296 (155,513 ) 2,327 157,840
Municipal bonds **** 166,451 **** **** (10,586 ) **** 0 **** **** 10,587 **** 309,997 (9,776 ) 2 9,779
Corporate bonds **** 1,271,868 **** **** (130,985 ) **** 1,681 **** **** 132,667 **** 1,631,867 (84,243 ) 2,041 86,285
Other **** 39,265,407 **** **** 179,509 **** **** 569,384 **** **** 389,875 **** 34,658,178 (5,368 ) 425,118 430,487
Foreign equity securities **** 845,003 **** **** 116,834 **** **** 146,029 **** **** 29,194 **** 662,949 36,272 54,295 18,022
Foreign bonds **** 28,302,385 **** **** (147,975 ) **** 104,157 **** **** 252,132 **** 24,182,709 (113,323 ) 152,561 265,884
Other **** 10,118,017 **** **** 210,650 **** **** 319,197 **** **** 108,547 **** 9,812,519 71,682 218,262 146,580

Redemption schedule of Available-for-sale securities with maturities and debt securities being held to maturity

(in millions of yen)
As of March 31, 2026 As of March 31, 2025
within1 year 1 year to5 years 5 years to10 years over10 years within1 year 1 year to5 years 5 years to10 years over10 years
Domestic bonds **** 14,581,143 **** **** 6,692,908 **** **** 11,907,676 **** **** 1,282,557 **** 18,500,074 9,875,244 8,772,124 3,090,727
Government bonds **** 14,048,555 **** **** 4,408,256 **** **** 10,080,978 **** **** 77,934 **** 18,007,133 7,559,511 6,953,734 1,961,839
Municipal bonds **** 226,088 **** **** 1,304,741 **** **** 1,482,949 **** **** — **** 215,259 1,165,338 1,475,025 —
Corporate bonds **** 306,500 **** **** 979,909 **** **** 343,749 **** **** 1,204,622 **** 277,680 1,150,393 343,363 1,128,887
Other **** 8,039,551 **** **** 10,495,195 **** **** 4,825,995 **** **** 17,365,629 **** 5,613,333 11,742,041 5,692,392 13,611,167
Foreign equity securities **** 11,961 **** **** 9,667 **** **** — **** **** — **** 1,366 20,285 — —
Foreign bonds **** 6,893,721 **** **** 7,857,788 **** **** 4,404,342 **** **** 13,964,838 **** 4,547,585 8,729,761 4,854,426 10,913,751
Other **** 1,133,868 **** **** 2,627,739 **** **** 421,652 **** **** 3,400,791 **** 1,064,380 2,991,994 837,966 2,697,415
Total **** 22,620,695 **** **** 17,188,103 **** **** 16,733,672 **** **** 18,648,187 **** 24,113,407 21,617,285 14,464,517 16,701,894

9

Mitsubishi UFJ Financial Group, Inc.

BK Non-consolidated

The tables include negotiable certificates of deposit in “Cash and due from banks”, securitized products in “Monetary claims bought” and others in addition to “Securities”.

Fair Value Information on Securities

(in millions of yen)
As of March 31, 2026 As of March 31, 2025
Amount onbalance sheet Unrealizedgains (losses) Gains Losses Amount onbalance sheet Unrealizedgains (losses) Gains Losses
Debt securities being held to maturity **** 23,173,566 **** **** (1,071,335 ) **** 24,884 **** **** 1,096,220 **** 21,295,315 (607,764 ) 10,777 618,541
Stocks of subsidiaries and affiliates **** 670,430 **** **** 682,505 **** **** 691,297 **** **** 8,792 **** 684,864 464,454 471,540 7,086
(in millions of yen)
As of March 31, 2026 As of March 31, 2025
Amount onbalance sheet Unrealizedgains (losses) Gains Losses Amount onbalance sheet Unrealizedgains (losses) Gains Losses
Available-for-sale<br>securities **** 40,321,531 **** **** 2,417,494 **** **** 2,751,747 **** **** 334,252 **** 45,173,480 2,005,377 2,300,444 295,066
Domestic equity securities **** 3,228,036 **** **** 2,395,455 **** **** 2,400,629 **** **** 5,173 **** 3,012,332 2,044,936 2,053,034 8,097
Domestic bonds **** 12,896,387 **** **** (160,520 ) **** 1,806 **** **** 162,326 **** 20,849,312 (138,304 ) 3,926 142,230
Other **** 24,197,108 **** **** 182,559 **** **** 349,311 **** **** 166,752 **** 21,311,835 98,744 243,483 144,738
Foreign equity securities **** 709,641 **** **** 84,853 **** **** 110,205 **** **** 25,351 **** 605,665 17,076 30,177 13,101
Foreign bonds **** 16,321,645 **** **** 11,864 **** **** 71,691 **** **** 59,826 **** 13,651,795 88,819 110,304 21,485
Other **** 7,165,821 **** **** 85,841 **** **** 167,415 **** **** 81,573 **** 7,054,373 (7,151 ) 103,000 110,152
Redemption schedule of Available-for-sale securities with maturities and debt securities being held to maturity
(in millions of yen)
As of March 31, 2026 As of March 31, 2025
within1 year 1 year to5 years 5 years to10 years over10 years within1 year 1 year to5 years 5 years to10 years over10 years
Domestic bonds **** 13,811,865 **** **** 6,692,901 **** **** 10,212,447 **** **** 1,197,412 **** 18,407,253 9,375,181 7,204,520 2,741,856
Government bonds **** 13,280,174 **** **** 4,408,256 **** **** 8,393,120 **** **** 45,048 **** 17,915,211 7,060,351 5,390,211 1,715,335
Municipal bonds **** 226,087 **** **** 1,304,734 **** **** 1,482,949 **** **** — **** 215,259 1,165,328 1,475,025 —
Corporate bonds **** 305,603 **** **** 979,909 **** **** 336,377 **** **** 1,152,363 **** 276,781 1,149,501 339,283 1,026,521
Other **** 5,528,324 **** **** 5,205,334 **** **** 1,845,721 **** **** 12,393,561 **** 3,733,273 6,482,656 2,494,264 10,189,203
Foreign equity securities **** 11,961 **** **** 9,667 **** **** — **** **** — **** 1,366 20,285 — —
Foreign bonds **** 4,732,967 **** **** 2,846,098 **** **** 1,634,868 **** **** 11,235,753 **** 3,186,009 3,714,661 2,261,660 8,799,263
Other **** 783,395 **** **** 2,349,569 **** **** 210,853 **** **** 1,157,807 **** 545,896 2,747,709 232,603 1,389,940
Total **** 19,340,189 **** **** 11,898,236 **** **** 12,058,169 **** **** 13,590,973 **** 22,140,526 15,857,837 9,698,784 12,931,060

10

Mitsubishi UFJ Financial Group, Inc.

TB Non-consolidated

The tables include securitized products in “Monetary claims bought” in addition to “Securities”.

Fair Value Information on Securities

(in millions of yen)
As of March 31, 2026 As of March 31, 2025
Amount onbalance sheet Unrealizedgains (losses) Gains Losses Amount onbalance sheet Unrealizedgains (losses) Gains Losses
Debt securities being held to maturity **** 2,838,992 **** **** (47,993 ) **** 3,577 **** **** 51,571 **** 1,976,868 (17,426 ) 4,499 21,925
Stocks of subsidiaries and affiliates **** 19,850 **** **** (546 ) **** — **** **** 546 **** 19,189 (1,368 ) — 1,368
(in millions of yen)
As of March 31, 2026 As of March 31, 2025
Amount onbalance sheet Unrealizedgains (losses) Gains Losses Amount onbalance sheet Unrealizedgains (losses) Gains Losses
Available-for-sale<br>securities **** 12,064,345 **** **** 339,750 **** **** 624,931 **** **** 285,181 **** 11,541,216 251,081 552,833 301,751
Domestic equity securities **** 602,033 **** **** 458,349 **** **** 459,237 **** **** 888 **** 588,732 413,329 415,255 1,925
Domestic bonds **** 1,617,044 **** **** (128,831 ) **** 0 **** **** 128,831 **** 2,181,927 (111,341 ) 444 111,785
Other **** 9,845,266 **** **** 10,233 **** **** 165,694 **** **** 155,461 **** 8,770,556 (50,907 ) 137,133 188,040
Foreign equity securities **** 171 **** **** 116 **** **** 116 **** **** — **** 130 81 81 —
Foreign bonds **** 8,001,151 **** **** (110,035 ) **** 19,427 **** **** 129,462 **** 7,018,941 (123,179 ) 28,749 151,929
Other **** 1,843,943 **** **** 120,152 **** **** 146,150 **** **** 25,998 **** 1,751,484 72,191 108,302 36,110
Redemption schedule of Available-for-sale securities with maturities and debt securities being held to maturity
(in millions of yen)
As of March 31, 2026 As of March 31, 2025
within1 year 1 year to5 years 5 years to10 years over10 years within1 year 1 year to5 years 5 years to10 years over10 years
Domestic bonds **** 499,557 **** **** 6 **** **** 1,695,229 **** **** 85,144 **** 899 500,062 1,567,603 348,870
Government bonds **** 498,660 **** **** — **** **** 1,687,858 **** **** 32,886 **** — 499,160 1,563,523 246,504
Municipal bonds **** 0 **** **** 6 **** **** — **** **** — **** — 10 — —
Corporate bonds **** 896 **** **** — **** **** 7,371 **** **** 52,258 **** 899 892 4,080 102,366
Other **** 519,814 **** **** 3,147,616 **** **** 1,903,871 **** **** 4,939,744 **** 386,183 3,080,461 2,327,090 3,400,230
Foreign equity securities **** — **** **** — **** **** — **** **** — **** — — — —
Foreign bonds **** 490,054 **** **** 3,004,958 **** **** 1,838,620 **** **** 4,843,617 **** 297,586 2,854,717 2,268,804 3,339,190
Other **** 29,760 **** **** 142,658 **** **** 65,251 **** **** 96,126 **** 88,596 225,744 58,286 61,039
Total **** 1,019,372 **** **** 3,147,623 **** **** 3,599,101 **** **** 5,024,889 **** 387,082 3,580,524 3,894,694 3,749,101

11

Mitsubishi UFJ Financial Group, Inc.

5. ROE

MUFG Consolidated

(%)
For the fiscal yearendedMarch 31, 2026(A) Increase(Decrease)(A) - (B) For the fiscal yearendedMarch 31, 2025(B)
ROE (JPX basis) *1 **** 11.34 **** 2.05 9.29

Note:

*1 Japan Exchange Group

12

Mitsubishi UFJ Financial Group, Inc.

6. Risk-Adjusted Capital Ratio

MUFG Consolidated

(in billions of yen)
As ofMarch 31, 2026Preliminary (A) Increase(Decrease)(A) - (B) As ofMarch 31, 2025(B) As ofSeptember 30, 2025
(1)   Total capital ratio (4)/(7) **** 16.85 % (1.98 )% 18.83 % 18.99 %
(2)   Tier 1 capital ratio (5)/(7) **** 14.95 % (1.69 )% 16.65 % 16.87 %
(3)   Common Equity Tier 1 capital ratio (6)/(7) **** 12.47 % (1.71 )% 14.18 % 14.08 %
(4)   Total capital **** 20,273.6 **** 128.5 20,145.0 21,052.8
(5)   Tier 1 capital **** 17,984.0 **** 179.1 17,804.8 18,702.0
(6)   Common Equity Tier 1 capital **** 15,002.2 **** (167.0 ) 15,169.2 15,605.2
(7)   Risk weighted assets **** 120,281.7 **** 13,351.2 106,930.4 110,808.0
(8)   Required Capital (7)×8% **** 9,622.5 **** 1,068.1 8,554.4 8,864.6
BK Consolidated
(in billions of yen)
As ofMarch 31, 2026Preliminary (A) Increase(Decrease)(A) - (B) As ofMarch 31, 2025(B) As ofSeptember 30, 2025
(1)   Total capital ratio (4)/(7) **** 18.02 % (1.60 )% 19.63 % 19.60 %
(2)   Tier 1 capital ratio (5)/(7) **** 16.42 % (1.25 )% 17.68 % 17.81 %
(3)   Common Equity Tier 1 capital ratio (6)/(7) **** 13.87 % (1.22 )% 15.10 % 14.81 %
(4)   Total capital **** 18,098.6 **** 1,620.9 16,477.6 17,239.0
(5)   Tier 1 capital **** 16,498.3 **** 1,655.1 14,843.2 15,666.4
(6)   Common Equity Tier 1 capital **** 13,932.1 **** 1,256.9 12,675.1 13,023.9
(7)   Risk weighted assets **** 100,418.7 **** 16,489.3 83,929.4 87,923.5
(8)   Required Capital (7)×8% **** 8,033.4 **** 1,319.1 6,714.3 7,033.8
TB Consolidated
(in billions of yen)
As ofMarch 31, 2026Preliminary (A) Increase(Decrease)(A) - (B) As ofMarch 31, 2025(B) As ofSeptember 30, 2025
(1)   Total capital ratio (4)/(7) **** 19.40 % (0.56 )% 19.96 % 20.14 %
(2)   Tier 1 capital ratio (5)/(7) **** 15.55 % (0.86 )% 16.41 % 15.97 %
(3)   Common Equity Tier 1 capital ratio (6)/(7) **** 12.84 % (0.72 )% 13.56 % 13.02 %
(4)   Total capital **** 2,111.9 **** 170.2 1,941.6 2,047.8
(5)   Tier 1 capital **** 1,693.2 **** 96.8 1,596.3 1,624.0
(6)   Common Equity Tier 1 capital **** 1,397.7 **** 79.0 1,318.7 1,324.1
(7)   Risk weighted assets **** 10,885.7 **** 1,161.2 9,724.4 10,168.0
(8)   Required Capital (7)×8% **** 870.8 **** 92.9 777.9 813.4
BK Non-consolidated
(in billions of yen)
As ofMarch 31, 2026Preliminary (A) Increase(Decrease)(A) - (B) As ofMarch 31, 2025(B) As ofSeptember 30, 2025
(1)   Total capital ratio (4)/(7) **** 14.34 % (2.72 )% 17.07 % 17.23 %
(2)   Tier 1 capital ratio (5)/(7) **** 12.95 % (2.29 )% 15.24 % 15.60 %
(3)   Common Equity Tier 1 capital ratio (6)/(7) **** 10.06 % (2.24 )% 12.30 % 12.19 %
(4)   Total capital **** 12,369.8 **** 120.9 12,248.9 13,054.3
(5)   Tier 1 capital **** 11,172.1 **** 231.8 10,940.2 11,819.6
(6)   Common Equity Tier 1 capital **** 8,677.7 **** (153.2 ) 8,830.9 9,233.9
(7)   Risk weighted assets **** 86,233.3 **** 14,485.9 71,747.3 75,738.6
(8)   Required Capital (7)×8% **** 6,898.6 **** 1,158.8 5,739.7 6,059.0
TB Non-consolidated
(in billions of yen)
As ofMarch 31, 2026Preliminary (A) Increase(Decrease)(A) - (B) As ofMarch 31, 2025(B) As ofSeptember 30, 2025
(1)   Total capital ratio (4)/(7) **** 18.26 % (1.80 )% 20.06 % 19.59 %
(2)   Tier 1 capital ratio (5)/(7) **** 14.91 % (1.97 )% 16.89 % 15.96 %
(3)   Common Equity Tier 1 capital ratio (6)/(7) **** 12.56 % (1.79 )% 14.35 % 13.39 %
(4)   Total capital **** 2,280.1 **** 104.1 2,176.0 2,276.3
(5)   Tier 1 capital **** 1,862.6 **** 30.4 1,832.1 1,853.8
(6)   Common Equity Tier 1 capital **** 1,568.6 **** 11.9 1,556.6 1,556.3
(7)   Risk weighted assets **** 12,485.9 **** 1,641.4 10,844.5 11,614.9
(8)   Required Capital (7)×8% **** 998.8 **** 131.3 867.5 929.1
Note: Risk-adjusted capital ratio of MUFG is computed in accordance with the Notification of the Financial Services<br>Agency No.20, 2006.
--- ---
Risk-adjusted capital ratio of BK and TB are computed in accordance with the Notification of the Financial<br>Services Agency No.19, 2006.
---

13

Mitsubishi UFJ Financial Group, Inc.

7. Loans to Be Disclosed under the Banking Act and the Financial Reconstruction Act (the“FRA”)

MUFG Consolidated

(1) Loans to Be Disclosed under the Banking Act and the FRA (after write-offs)

(in millions of yen)
As ofMarch 31, 2026 As ofMarch 31, 2025 Increase(Decrease)
Bankrupt or De facto Bankrupt **** 303,742 **** 300,776 2,965
Doubtful **** 667,097 **** 693,225 (26,128 )
Special Attention **** 489,930 **** 536,469 (46,538 )
Accruing loans contractually past due 3 months or more **** 12,271 **** 17,863 (5,591 )
Restructured loans **** 477,659 **** 518,605 (40,946 )
Subtotal (A) **** 1,460,769 **** 1,530,471 (69,701 )
Normal (B) **** 150,212,705 **** 135,805,816 14,406,889
Total loans (C=A+B) **** 151,673,475 **** 137,336,287 14,337,188
Non-performing loans ratio (A)/(C) **** 0.96 % 1.11 % (0.15 )%
Write-offs **** 226,406 **** 199,367 27,038
(2) Allowance for Credit Losses
(in millions of yen)
As ofMarch 31, 2026 Coverage ratio(D)/(A) As ofMarch 31, 2025 Coverage ratio(D)/(A) Increase(Decrease) Coverage ratio(D)/(A)
Allowance for credit losses (D) **** 1,229,947 **** 84.19 % 1,214,870 79.37 % 15,077 4.81 %
General allowance for credit losses **** 759,321 **** 761,228 (1,906 )
Specific allowance for credit losses **** 462,754 **** 442,257 20,496
Allowance for credit to specific foreign borrowers **** 7,872 **** 11,385 (3,512 )
(3) Classification of Loans to Be Disclosed under the Banking Act and the FRA (excluding Normal Loans)
(in millions of yen)
Classified by Geographic Area As ofMarch 31, 2026 As ofMarch 31, 2025 Increase(Decrease)
Domestic **** 674,217 **** 786,751 (112,533 )
Overseas **** 786,552 **** 743,720 42,832
Asia **** 477,275 **** 491,835 (14,559 )
Indonesia **** 44,999 **** 51,106 (6,106 )
Singapore **** 361 **** 629 (268 )
Thailand **** 397,254 **** 382,780 14,473
Other **** 34,660 **** 57,318 (22,658 )
Americas **** 205,643 **** 124,006 81,636
Europe, Middle East and Other **** 103,633 **** 127,878 (24,245 )
Total **** 1,460,769 **** 1,530,471 (69,701 )
(in millions of yen)
Classified by Industry As ofMarch 31, 2026 As ofMarch 31, 2025 Increase(Decrease)
Domestic **** 674,217 **** 786,751 (112,533 )
Manufacturing **** 228,374 **** 297,746 (69,372 )
Construction **** 5,335 **** 6,258 (923 )
Wholesale and retail **** 81,592 **** 84,280 (2,687 )
Finance and insurance **** 156 **** 16,709 (16,553 )
Real estate, goods rental and leasing **** 16,755 **** 27,402 (10,647 )
Services **** 48,374 **** 65,970 (17,595 )
Other industries **** 16,888 **** 38,996 (22,108 )
Consumer **** 276,740 **** 249,386 27,353
Overseas **** 786,552 **** 743,720 42,832
Financial institutions **** 5,486 **** 14,902 (9,415 )
Commercial and industrial **** 549,284 **** 492,167 57,116
Other **** 231,781 **** 236,650 (4,868 )
Total **** 1,460,769 **** 1,530,471 (69,701 )

14

Mitsubishi UFJ Financial Group, Inc.

BK and TB Combined including Trust Account

“Trust account” represents trust account with contracts indemnifying the principal amounts.

(1) Loans to Be Disclosed under the Banking Act and the FRA (after write-offs)

(in millions of yen)
As ofMarch 31, 2026 As ofMarch 31, 2025 Increase(Decrease)
Bankrupt or De facto Bankrupt **** 42,991 **** 50,052 (7,061 )
Doubtful **** 412,629 **** 448,449 (35,819 )
Special Attention **** 275,301 **** 365,391 (90,089 )
Accruing loans contractually past due 3 months or more **** 4,465 **** 9,236 (4,771 )
Restructured loans **** 270,836 **** 356,154 (85,318 )
Subtotal (A) **** 730,922 **** 863,892 (132,969 )
Normal (B) **** 134,395,862 **** 121,231,909 13,163,952
Total loans (C=A+B) **** 135,126,785 **** 122,095,802 13,030,982
Non-performing loans ratio (A)/(C) **** 0.54 % 0.70 % (0.16 )%
Write-offs **** 187,104 **** 163,085 24,019
(2) Status of Coverage of Loans to Be Disclosed under the Banking Act and the FRA (excluding Normal Loans)
(in millions of yen)
As ofMarch 31, 2026 Coverage ratio[(D)+(E)]/(A) As ofMarch 31, 2025 Coverage ratio[(D)+(E)]/(A) Increase<br>(Decrease) Coverage ratio[(D)+(E)]/(A)
Covered amount **** 582,124 **** 79.64 % 656,627 76.00 % (74,502 ) 3.63 %
Allowance for credit losses(D) **** 299,034 **** 325,637 (26,603 )
Collateral, guarantees, etc.(E) **** 283,090 **** 330,989 (47,899 )
(3) Coverage Ratio
(in millions of yen)
Category Loan amount(A) Allowance forcredit losses(D) Covered by<br>collateral and/or guarantees(E) Allowance<br>coverage ratio<br>for unsecured<br>portion (D) /<br>[(A) - (E)] Coverage ratio[(D)+(E)]/(A)
Bankrupt or De facto Bankrupt **** 42,991 **** 540 42,450 100.00 %
**** [ 50,052 ] [ 995 ] [ 49,057 ] [ 100.00 %]
Doubtful **** 412,629 **** 190,043 134,926 78.75 %
**** [ 448,449 ] [ 189,859 ] [ 133,301 ] [ 72.06 %]
Special Attention **** 275,301 **** 108,450 105,713 77.79 %
**** [ 365,391 ] [ 134,782 ] [ 148,630 ] [ 77.56 %]
Total **** 730,922 **** 299,034 283,090 79.64 %
**** [ 863,892 ] [ 325,637 ] [ 330,989 ] [ 76.00 %]
Note: The upper figures are as of March 31, 2026. The lower figures with brackets are as of March 31, 2025.
(4) Classification of Loans to Be Disclosed under the Banking Act and the FRA (excluding Normal Loans)
(in millions of yen)
Classified by Geographic Area As ofMarch 31, 2026 As of<br>March 31, 2025 Increase(Decrease)
Domestic **** 435,374 **** 583,270 (147,896 )
Overseas **** 295,548 **** 280,622 14,926
Asia **** 34,679 **** 58,101 (23,421 )
Indonesia **** 74 **** 507 (433 )
Singapore **** 361 **** 629 (268 )
Thailand **** — **** — —
Other **** 34,243 **** 56,964 (22,720 )
Americas **** 205,643 **** 124,006 81,636
Europe, Middle East and Other **** 55,225 **** 98,514 (43,288 )
Total **** 730,922 **** 863,892 (132,969 )
(in millions of yen)
Classified by Industry As ofMarch 31, 2026 As of<br>March 31, 2025 Increase(Decrease)
Domestic **** 435,374 **** 583,270 (147,896 )
Manufacturing **** 226,043 **** 295,833 (69,789 )
Construction **** 5,184 **** 6,164 (980 )
Wholesale and retail **** 79,099 **** 81,876 (2,776 )
Finance and insurance **** 155 **** 16,687 (16,532 )
Real estate **** 15,532 **** 17,748 (2,216 )
Goods rental and leasing **** 1,149 **** 9,636 (8,486 )
Services **** 48,267 **** 65,734 (17,466 )
Other industries **** 15,516 **** 37,889 (22,372 )
Consumer **** 44,424 **** 51,699 (7,275 )
Overseas **** 295,548 **** 280,622 14,926
Financial institutions **** 3,596 **** 13,131 (9,534 )
Commercial and industrial **** 291,898 **** 267,402 24,496
Other **** 54 **** 88 (34 )
Total **** 730,922 **** 863,892 (132,969 )

15

Mitsubishi UFJ Financial Group, Inc.

BK Non-consolidated

(1) Loans to Be Disclosed under the Banking Act and the FRA (after write-offs)

(in millions of yen)
As ofMarch 31, 2026 As ofMarch 31, 2025 Increase(Decrease)
Bankrupt or De facto Bankrupt **** 42,970 **** 50,002 (7,032 )
Doubtful **** 411,696 **** 447,324 (35,627 )
Special Attention **** 275,301 **** 365,391 (90,089 )
Accruing loans contractually past due 3 months or more **** 4,465 **** 9,236 (4,771 )
Restructured loans **** 270,836 **** 356,154 (85,318 )
Subtotal (A) **** 729,969 **** 862,718 (132,749 )
Normal (B) **** 131,316,395 **** 118,665,863 12,650,531
Total loans (C=A+B) **** 132,046,364 **** 119,528,581 12,517,782
Non-performing loans ratio (A)/(C) **** 0.55 % 0.72 % (0.16 )%
Write-offs **** 187,102 **** 163,077 24,025
(2) Status of Coverage of Loans to Be Disclosed under the Banking Act and the FRA (excluding Normal Loans)
(in millions of yen)
As ofMarch 31, 2026 Coverage ratio[(D)+(E)]/(A) As ofMarch 31, 2025 Coverage ratio[(D)+(E)]/(A) Increase(Decrease) Coverage ratio[(D)+(E)]/(A)
Covered amount **** 581,170 **** **** 79.61 % 655,452 75.97 % (74,281 ) 3.64 %
Allowance for credit losses(D) **** 299,034 **** 325,637 (26,603 )
Collateral, guarantees, etc.(E) **** 282,136 **** 329,815 (47,678 )
(3) Coverage Ratio
(in millions of yen)
Category Loan amount(A) Allowance forcredit losses(D) Covered bycollateral and/or guarantees(E) Allowancecoverage ratiofor unsecuredportion (D) /[(A) - (E)] Coverage ratio[(D)+(E)]/(A)
Bankrupt or De facto Bankrupt 42,970 540 42,430 100.00 % 100.00 %
[ 50,002 ] [ 995 ] [ 49,007 ] [ 100.00 %] [ 100.00 %]
Doubtful 411,696 190,043 133,993 68.43 % 78.70 %
[ 447,324 ] [ 189,859 ] [ 132,177 ] [ 60.24 %] [ 71.99 %]
Special Attention 275,301 108,450 105,713 63.94 % 77.79 %
[ 365,391 ] [ 134,782 ] [ 148,630 ] [ 62.18 %] [ 77.56 %]
Total 729,969 299,034 282,136 66.77 % 79.61 %
[ 862,718 ] [ 325,637 ] [ 329,815 ] [ 61.10 %] [ 75.97 %]
Note: The upper figures are as of March 31, 2026.<br>The lower figures with brackets are as of March 31, 2025.<br> <br><br> <br>(4) Classification of<br>Loans to Be Disclosed under the Banking Act and the FRA (excluding Normal Loans)
(in millions of yen)
Classified by Geographic Area As ofMarch 31, 2026 As ofMarch 31, 2025 Increase(Decrease)
Domestic **** 434,420 **** 582,096 (147,675 )
Overseas **** 295,548 **** 280,622 14,926
Asia **** 34,679 **** 58,101 (23,421 )
Indonesia **** 74 **** 507 (433 )
Singapore **** 361 **** 629 (268 )
Thailand **** — **** — —
Other **** 34,243 **** 56,964 (22,720 )
Americas **** 205,643 **** 124,006 81,636
Europe, Middle East and Other **** 55,225 **** 98,514 (43,288 )
Total **** 729,969 **** 862,718 (132,749 )
(in millions of yen)
Classified by Industry As ofMarch 31, 2026 As ofMarch 31, 2025 Increase(Decrease)
Domestic **** 434,420 **** 582,096 (147,675 )
Manufacturing **** 226,043 **** 295,833 (69,789 )
Construction **** 5,184 **** 6,164 (980 )
Wholesale and retail **** 79,099 **** 81,876 (2,776 )
Finance and insurance **** 155 **** 16,687 (16,532 )
Real estate **** 15,532 **** 17,748 (2,216 )
Goods rental and leasing **** 1,149 **** 9,636 (8,486 )
Services **** 48,267 **** 65,734 (17,466 )
Other industries **** 15,516 **** 37,889 (22,372 )
Consumer **** 43,470 **** 50,525 (7,054 )
Overseas **** 295,548 **** 280,622 14,926
Financial institutions **** 3,596 **** 13,131 (9,534 )
Commercial and industrial **** 291,898 **** 267,402 24,496
Other **** 54 **** 88 (34 )
Total **** 729,969 **** 862,718 (132,749 )

16

Mitsubishi UFJ Financial Group, Inc.

TB Non-consolidated

(1) Loans to Be Disclosed under the Banking Act and the FRA (after write-offs)

(in millions of yen)
As ofMarch 31,2026 As of March 31, 2025 Increase(Decrease)
Bankrupt or De facto Bankrupt **** 20 **** 49 (29 )
Doubtful **** 933 **** 1,124 (191 )
Special Attention **** — **** — —
Accruing loans contractually past due 3 months or more **** — **** — —
Restructured loans **** — **** — —
Subtotal (A) **** 953 **** 1,174 (220 )
Normal(B) **** 3,077,509 **** 2,563,577 513,931
Total loans (C=A+B) **** 3,078,463 **** 2,564,752 513,711
Non-performing loans ratio (A)/(C) **** 0.03 % 0.04 % (0.01 )%
Write-offs **** 2 **** 7 (5 )
(2) Status of Coverage of Loans to Be Disclosed under the Banking Act and the FRA (excluding Normal Loans)
(in millions of yen)
As of<br>March 31, 2026 Coverage ratio[(D)+(E)]/(A) As ofMarch 31, 2025 Coverage ratio[(D)+(E)]/(A) Increase<br>(Decrease) Coverage ratio[(D)+(E)]/(A)
Covered amount **** 953 **** **** 100.00 % 1,174 100.00 % (220 ) —
Allowance for credit losses(D) **** — **** — —
Collateral, guarantees, etc.(E) **** 953 **** 1,174 (220 )

(3) Coverage Ratio

(in millions of yen)
Category Loan amount(A) Allowance for<br>credit losses<br>(D) Covered by<br>collateral and /<br>or guarantees<br>(E) Allowance coverage<br>ratio for unsecured<br>portion<br>(D) / [(A) - (E)] Coverage ratio[(D)+(E)]/(A)
Bankrupt or De facto Bankrupt 20 — 20 — 100.00 %
[ 49 ] [ — ] [ 49 ] [ — ] [ 100.00 %]
Doubtful 933 — 933 — 100.00 %
[ 1,124 ] [ — ] [ 1,124 ] [— ] [ 100.00 %]
Special Attention — — — — —
[ — ] [ — ] [ — ] [— ] [ — ]
Total 953 — 953 — 100.00 %
[ 1,174 ] [ — ] [ 1,174 ] [ — ] [ 100.00 %]

Note: The upper figures are as of March 31, 2026. The lower figures with brackets are as of March 31, 2025.

(4) Classification of Loans to Be Disclosed under the Banking Act and the FRA (excluding Normal Loans)
(in millions of yen)
Classified by Geographic Area As ofMarch 31, 2026 As of<br>March 31, 2025 Increase(Decrease)
Domestic **** 953 **** 1,174 (220 )
Overseas **** — **** — —
Asia **** — **** — —
Indonesia **** — **** — —
Singapore **** — **** — —
Thailand **** — **** — —
Other **** — **** — —
Americas **** — **** — —
Europe, Middle East and Other **** — **** — —
Total **** 953 **** 1,174 (220 )
(in millions of yen)
Classified by Industry As ofMarch 31, 2026 As of<br>March 31, 2025 Increase(Decrease)
Domestic **** 953 **** 1,174 (220 )
Manufacturing **** — **** — —
Construction **** — **** — —
Wholesale and retail **** — **** — —
Finance and insurance **** — **** — —
Real estate **** — **** — —
Goods rental and leasing **** — **** — —
Services **** — **** — —
Other industries **** — **** — —
Consumer **** 953 **** 1,174 (220 )
Overseas **** — **** — —
Financial institutions **** — **** — —
Commercial and industrial **** — **** — —
Other **** — **** — —
Total **** 953 **** 1,174 (220 )

17

Mitsubishi UFJ Financial Group, Inc.

TB Non-consolidated: Trust Account

“Trust account” represents trust account with contracts indemnifying the principal amounts.

(1) Loans to Be Disclosed under the Banking Act and the FRA (after write-offs)

(in millions of yen)
As ofMarch 31, 2026 As ofMarch 31, 2025 Increase(Decrease)
Bankrupt or De facto Bankrupt — — —
Doubtful — — —
Special Attention — — —
Accruing loans contractually past due 3 months or more — — —
Restructured loans — — —
Subtotal (A) — — —
Normal (B) 1,957 2,468 (510 )
Total loans (C=A+B) 1,957 2,468 (510 )
Non-performing loans ratio (A)/(C) — — —
Write-offs — — —

(2) Status of Coverage of Loans to Be Disclosed under the Banking Act and the FRA (excluding Normal Loans)

(in millions of yen)
As of<br>March 31, 2026 Coverage ratio[(D)+(E)]/(A) As ofMarch 31, 2025 Coverage ratio[(D)+(E)]/(A) Increase (Decrease) Coverage ratio[(D)+(E)]/(A)
Covered amount — — — — — —
Allowance for credit losses(D) — — —
Collateral, guarantees, etc.(E) — — —

(3) Coverage Ratio

(in millions of yen)
Category Loan amount(A) Allowance forcredit losses(D) Covered bycollateral and/or guarantees(E) Allowance coverageratio for unsecuredportion (D) / [(A) -(E)] Coverage ratio[(D)+(E)]/(A)
Bankrupt or De facto Bankrupt — — — — —
[ — ] [ — ] [ — ] [ — ] [ — ]
Doubtful — — — — —
[ — ] [ — ] [ — ] [ — ] [ — ]
Special Attention — — — — —
[ — ] [ — ] [ — ] [ — ] [ — ]
Total — — — — —
[ — ] [ — ] [ — ] [ — ] [ — ]

Note: The upper figures are as of March 31, 2025. The lower figures with brackets are as of March 31, 2024.

(4) Classification of Loans to Be Disclosed under the Banking Act and the FRA (excluding Normal Loans) Classified by Industry (in millions of yen)

(in millions of yen)
As ofMarch 31, 2026 As of March 31, 2025 Increase(Decrease)
Domestic — — —
Manufacturing **** — **** — —
Construction **** — **** — —
Wholesale and retail **** — **** — —
Finance and insurance **** — **** — —
Real estate **** — **** — —
Goods rental and leasing **** — **** — —
Services **** — **** — —
Other industries **** — **** — —
Consumer **** — **** — —
Total **** — **** — —

18

Mitsubishi UFJ Financial Group, Inc.

Overview of Self-Assessment, Status of Coverage, and Loans to Be Disclosed under the Banking Act and the FRA

BK and TB Combined

LOGO

(*) “Customers’ liabilities for acceptances and guarantees” in Classification IV are fully reserved.

19

Mitsubishi UFJ Financial Group, Inc.

8. Progress in Disposition of Problem Assets

BK Non-consolidated

(1) Bankrupt or De facto Bankrupt and Doubtful Assets Based on the “FRA”

(in millions of yen)
As ofMarch 31, 2023 As ofMarch 31, 2024 As of<br>March 31, 2025(A) As ofMarch 31, 2026(B) (B) - (A)
Assets newly categorized during fiscal 2022 240,324 114,818 71,431 44,584 (26,846 )
Assets newly categorized during fiscal 2023 642,712 79,951 44,061 (35,890 )
Assets newly categorized during fiscal 2024 175,417 57,296 (118,121 )
Assets newly categorized during fiscal 2025 214,419

(2) Progress in Disposition of Problem Assets

(in millions of yen)
For the Fiscal Year Ended March 31, 2026
Bankrupt or<br>De facto Bankrupt Doubtful
Liquidation 25,236
Reconstructive treatment 12,233
Upgrade due to reconstructive treatment 22,541
Loan sold to secondary market 55,480
Write-offs 16,762
Others 124,824
Collection / Repayment 38,565
Upgrade 86,259
Total 257,079 23,679 233,399
Amount in process for disposition 40,041
Note: The process for disposition consists of legal liquidation, quasi-legal liquidation, company splits to good<br>companies and bad companies, partial direct write-offs of retail exposure to individuals and small/medium-sized companies, and trusts to The Resolution and Collection Corporation mainly for the purpose of<br>revitalization of companies, which are scheduled to be off-balanced before their maturities.
--- ---

20

Mitsubishi UFJ Financial Group, Inc.

TB Non-consolidated including Trust Account

“Trust account” represents trust account with contracts indemnifying the principal amounts.

(1) Bankrupt or De facto Bankrupt and Doubtful Assets Based on the “FRA”

(in millions of yen)
As ofMarch 31, 2023 As ofMarch 31, 2024 As of<br>March 31, 2025(A) As ofMarch 31, 2026(B) (B) - (A)
Assets newly categorized during fiscal 2022 986 262 91 87 (4 )
Assets newly categorized during fiscal 2023 410 254 110 (143 )
Assets newly categorized during fiscal 2024 477 127 (349 )
Assets newly categorized during fiscal 2025 354

(2) Progress in Disposition of Problem Assets

(in millions of yen)
For the Fiscal Year Ended March 31, 2026
Bankrupt orDe facto Bankrupt Doubtful
Liquidation —
Reconstructive treatment —
Upgrade due to reconstructive treatment —
Loan sold to secondary market —
Write-offs —
Others 909
Collection / Repayment 226
Upgrade 682
Total 909 17 892
Amount in process for disposition 45
Note: The process for disposition consists of legal liquidation, quasi-legal liquidation, company splits to good<br>companies and bad companies, partial direct write-offs of retail exposure to individuals and small/medium-sized companies, and trusts to The Resolution and Collection Corporation mainly for the purpose of<br>revitalization of companies, which are scheduled to be off-balanced before their maturities.
--- ---

21

Mitsubishi UFJ Financial Group, Inc.

9. Loans Classified by Type of Industry

BK and TB Combined including Trust Accounts

Loans Classified by Type of Industry

(in millions of yen)
As ofMarch 31, 2026<br>(A) Increase(Decrease)<br>(A) - (B) As ofMarch 31, 2025<br>(B)
Domestic offices (excluding loans booked at offshore markets) **** 80,051,087 **** 3,617,687 76,433,399
Manufacturing **** 13,118,506 **** 2,181,279 10,937,227
Agriculture, forestry, fishery, mining, quarrying of stone and gravel **** 124,942 **** 15,386 109,556
Construction **** 957,071 **** 7,930 949,141
Utilities **** 2,845,654 **** 142,416 2,703,238
Communication and information services **** 1,706,509 **** 281,754 1,424,755
Transport and postal activities **** 2,388,170 **** 225,962 2,162,208
Wholesale and retail **** 7,540,045 **** 1,374,362 6,165,683
Finance and insurance **** 10,526,533 **** 1,256,370 9,270,162
Real estate **** 12,978,593 **** 1,290,680 11,687,912
Goods rental and leasing **** 2,762,265 **** 283,204 2,479,061
Services **** 2,789,337 **** (729,910 ) 3,519,248
Municipal government **** 1,864,300 **** 287,824 1,576,476
Other industries (including loans to the Japanese government) **** 20,449,159 **** (2,999,570 ) 23,448,729
Overseas offices and loans booked at offshore markets **** 42,832,168 **** 7,675,348 35,156,819
Governments **** 460,492 **** 53,022 407,470
Financial Institutions **** 17,896,046 **** 3,638,038 14,258,007
Other **** 24,475,628 **** 3,984,287 20,491,341
Total **** 122,883,255 **** 11,293,036 111,590,219

22

Mitsubishi UFJ Financial Group, Inc.

BK Non-consolidated

Loans Classified by Type of Industry

(in millions of yen)
As of<br>March 31, 2026<br>(A) Increase(Decrease)<br>(A) - (B) As of<br>March 31, 2025<br>(B)
Domestic offices (excluding loans booked at offshore markets) **** 77,538,083 **** 3,605,463 73,932,619
Manufacturing **** 13,117,106 **** 2,181,279 10,935,827
Agriculture, forestry, fishery, mining, quarrying of stone and gravel **** 124,942 **** 15,386 109,556
Construction **** 957,071 **** 7,930 949,141
Utilities **** 2,845,654 **** 142,416 2,703,238
Communication and information services **** 1,692,732 **** 279,769 1,412,963
Transport and postal activities **** 2,373,170 **** 225,962 2,147,208
Wholesale and retail **** 7,540,045 **** 1,374,362 6,165,683
Finance and insurance **** 8,981,580 **** 1,151,864 7,829,716
Real estate **** 12,948,946 **** 1,297,060 11,651,886
Goods rental and leasing **** 2,762,265 **** 283,204 2,479,061
Services **** 2,786,829 **** (731,905 ) 3,518,734
Municipal government **** 1,864,099 **** 287,854 1,576,245
Other industries (including loans to the Japanese government) **** 19,543,644 **** (2,909,717 ) 22,453,361
Overseas offices and loans booked at offshore markets **** 41,040,700 **** 7,230,728 33,809,971
Governments **** 460,492 **** 53,022 407,470
Financial Institutions **** 16,104,625 **** 3,193,429 12,911,195
Other **** 24,475,582 **** 3,984,276 20,491,305
Total **** 118,578,783 **** 10,836,192 107,742,591

23

Mitsubishi UFJ Financial Group, Inc.

TB Non-consolidated

Loans Classified by Type of Industry

(in millions of yen)
As of<br>March 31, 2026<br>(A) Increase(Decrease)<br>(A) - (B) As of<br>March 31, 2025<br>(B)
Domestic offices (excluding loans booked at offshore markets) **** 1,017,510 **** 24,685 992,824
Manufacturing **** — **** — —
Agriculture, forestry, fishery, mining, quarrying of stone and gravel **** — **** — —
Construction **** — **** — —
Utilities **** — **** — —
Communication and information services **** 13,777 **** 1,985 11,792
Transport and postal activities **** — **** — —
Wholesale and retail **** — **** — —
Finance and insurance **** 443,197 **** 223,888 219,309
Real estate **** 4,146 **** (6,285 ) 10,432
Goods rental and leasing **** — **** — —
Services **** 508 **** (5 ) 514
Municipal government **** — **** — —
Other industries (including loans to the Japanese government) **** 555,880 **** (194,896 ) 750,777
Overseas offices and loans booked at offshore markets **** 1,791,468 **** 444,620 1,346,848
Governments **** — **** — —
Financial Institutions **** 1,791,421 **** 444,609 1,346,812
Other **** 46 **** 10 35
Total **** 2,808,978 **** 469,306 2,339,672

24

Mitsubishi UFJ Financial Group, Inc.

TB Non-consolidated: Trust Accounts

Loans Classified by Type of Industry

(in millions of yen)
As ofMarch 31, 2026<br>(A) Increase(Decrease)<br>(A) - (B) As ofMarch 31, 2025<br>(B)
Domestic offices (excluding loans booked at offshore markets) **** 1,495,493 **** (12,462 ) 1,507,955
Manufacturing **** 1,400 **** — 1,400
Agriculture, forestry, fishery, mining, quarrying of stone and gravel **** — **** — —
Construction **** — **** — —
Utilities **** — **** — —
Communication and information services **** — **** — —
Transport and postal activities **** 15,000 **** — 15,000
Wholesale and retail **** — **** — —
Finance and insurance **** 1,101,755 **** (119,381 ) 1,221,137
Real estate **** 25,501 **** (93 ) 25,594
Goods rental and leasing **** — **** — —
Services **** 2,000 **** 2,000 —
Municipal government **** 201 **** (29 ) 231
Other industries (including loans to the Japanese government) **** 349,634 **** 105,043 244,591
Overseas offices and loans booked at offshore markets **** — **** — —
Governments **** — **** — —
Financial Institutions **** — **** — —
Other **** — **** — —
Total **** 1,495,493 **** (12,462 ) 1,507,955

25

Mitsubishi UFJ Financial Group, Inc.

10. Domestic Consumer Loans, Domestic Loans to Small/Medium-SizedCompanies and Proprietors

BK and TB Combined including Trust Accounts

(1) Domestic Consumer Loans

(in millions of yen)
As ofMarch 31, 2026<br>(A) Increase(Decrease)<br>(A) - (B) As ofMarch 31, 2025<br>(B)
Total domestic consumer loans **** 15,297,625 **** 266,822 15,030,803
Housing loans **** 14,498,594 **** 223,573 14,275,020
Residential purpose **** 12,960,379 **** 292,829 12,667,550
Other **** 799,030 **** 43,248 755,782
(2) Domestic Loans to Small/Medium-Sized Companies and Proprietors
(in millions of yen)
As of March31, 2026<br>(A) Increase(Decrease)<br>(A) - (B) As of March31, 2025<br>(B)
Outstanding amount **** 46,331,413 **** 4,058,869 42,272,543
% to total domestic loans **** 57.87 % 2.57 % 55.30 %
BK Non-consolidated
(1) Domestic Consumer Loans
(in millions of yen)
As of March31, 2026<br>(A) Increase(Decrease)<br>(A) - (B) As of March31, 2025<br>(B)
Total domestic consumer loans **** 14,802,908 **** 336,020 14,466,887
Housing loans **** 14,004,141 **** 292,709 13,711,432
Residential purpose **** 12,466,199 **** 361,931 12,104,268
Other **** 798,766 **** 43,310 755,455
(2) Domestic Loans to Small/Medium-Sized Companies and Proprietors
(in millions of yen)
As of March31, 2026<br>(A) Increase(Decrease)<br>(A) - (B) As of March31, 2025<br>(B)
Outstanding amount **** 45,402,117 **** 4,046,927 41,355,190
% to total domestic loans **** 58.55 % 2.61 % 55.93 %
TB Non-consolidated
(1) Domestic Consumer Loans
(in millions of yen)
As of March31, 2026<br>(A) Increase(Decrease)<br>(A) - (B) As of March31, 2025<br>(B)
Total domestic consumer loans **** 492,961 **** (68,812 ) 561,773
Housing loans **** 492,697 **** (68,749 ) 561,446
Residential purpose **** 492,424 **** (68,718 ) 561,143
Other **** 264 **** (62 ) 326
(2) Domestic Loans to Small/Medium-Sized Companies and Proprietors
(in millions of yen)
As of March31, 2026<br>(A) Increase(Decrease)<br>(A) - (B) As of March31, 2025<br>(B)
Outstanding amount **** 584,417 **** (103,958 ) 688,376
% to total domestic loans **** 57.43 % (11.89 )% 69.33 %
TB Non-consolidated: Trust Accounts
(1) Domestic Consumer Loans
(in millions of yen)
As of March31, 2026<br>(A) Increase<br>(Decrease)<br>(A) - (B) As of March31, 2025<br>(B)
Total domestic consumer loans **** 1,756 **** (385 ) 2,141
Housing loans **** 1,756 **** (385 ) 2,141
Residential purpose **** 1,755 **** (383 ) 2,138
Other **** — **** — —
(2) Domestic Loans to Small/Medium-Sized Companies and Proprietors
(in millions of yen)
As of March31, 2026<br>(A) Increase(Decrease)<br>(A) - (B) As of March31, 2025<br>(B)
Outstanding amount **** 344,878 **** 115,901 228,977
% to total domestic loans **** 23.06 % 7.87 % 15.18 %

26

Mitsubishi UFJ Financial Group, Inc.

11. Overseas Loans

BK Consolidated excl. KS, BDI

(in millions of yen)
As ofMarch 31, 2026(A) Increase(Decrease)(A) - (B) As ofMarch 31, 2025(B)
Americas **** 16,577,819 **** 2,110,200 14,467,618
United States **** 14,216,009 **** 1,766,375 12,449,634
Canada **** 845,817 **** 67,214 778,602
Brazil **** 633,669 **** 218,214 415,455
Mexico **** 312,428 **** (804 ) 313,232
Others **** 569,894 **** 59,201 510,693
Asia/Oceania **** 13,076,483 **** 1,525,376 11,551,107
Australia **** 2,193,488 **** 280,340 1,913,147
Singapore **** 2,069,984 **** 661,659 1,408,325
India **** 1,943,622 **** 343,477 1,600,144
Hong Kong **** 1,657,526 **** (85,128 ) 1,742,655
China **** 1,132,446 **** (259 ) 1,132,705
Indonesia **** 1,079,523 **** 77,988 1,001,535
Malaysia **** 734,252 **** 13,310 720,942
Philippines **** 516,202 **** 170,470 345,731
Taiwan **** 478,712 **** 16,820 461,892
Korea **** 447,195 **** (41,016 ) 488,211
New Zealand **** 424,901 **** 25,919 398,982
Others **** 398,626 **** 61,794 336,832
EMEA **** 11,719,128 **** 2,644,817 9,074,311
United Kingdom **** 2,553,534 **** 319,013 2,234,521
Netherlands **** 1,318,597 **** 105,886 1,212,711
Luxembourg **** 1,082,379 **** 520,948 561,431
Germany **** 907,250 **** 131,790 775,460
France **** 633,871 **** 71,584 562,286
Ireland **** 504,996 **** 29,078 475,917
Qatar **** 385,864 **** 218,328 167,535
Italy **** 340,080 **** 69,289 270,791
Switzerland **** 317,090 **** 87,576 229,513
Saudi Arabia **** 297,484 **** 97,800 199,684
Turkey **** 250,497 **** 47,106 203,390
Belgium **** 248,508 **** 69,775 178,732
Spain **** 235,936 **** 52,892 183,043
United Arab Emirates **** 175,089 **** 33,313 141,775
Sweden **** 112,418 **** 49,161 63,256
Guernsey **** 103,270 **** 29,074 74,195
Norway **** 87,512 **** 34,727 52,784
Others **** 2,164,744 **** 677,468 1,487,275
Total **** 41,373,431 **** 6,280,394 35,093,037

KS and BDI have the following loan balances in the consolidated financial statements.

(in millions of yen)
As ofMarch 31, 2026(A) Increase(Decrease)(A) - (B) As ofMarch 31, 2025(B)
KS **** 7,206,731 **** 776,429 6,430,302
BDI **** 1,777,727 **** 163,628 1,614,099

27

Mitsubishi UFJ Financial Group, Inc.

12. Loans and Deposits

BK and TB Combined

(in millions of yen)
As ofMarch 31, 2026(A) Increase (Decrease) (A) - (B) As ofMarch 31, 2025(B)
Deposits (ending balance) **** 226,147,759 **** 10,177,079 215,970,679
Deposits (average balance) **** 220,069,126 **** 4,924,558 215,144,567
Loans (ending balance) **** 121,387,762 **** 11,305,498 110,082,264
Loans (average balance) **** 116,772,107 **** 6,061,389 110,710,718
BK Non-consolidated
(in millions of yen)
As ofMarch 31, 2026(A) Increase(Decrease)(A) - (B) As ofMarch 31, 2025(B)
Deposits (ending balance) **** 212,081,936 **** 9,369,136 202,712,799
Deposits (average balance) **** 205,531,451 **** 4,231,054 201,300,396
Loans (ending balance) **** 118,578,783 **** 10,836,192 107,742,591
Loans (average balance) **** 114,035,930 **** 5,521,560 108,514,370
TB Non-consolidated
(in millions of yen)
As ofMarch 31, 2026(A) Increase(Decrease)(A) - (B) As ofMarch 31, 2025(B)
Deposits (ending balance) **** 14,065,823 **** 807,942 13,257,880
Deposits (average balance) **** 14,537,674 **** 693,503 13,844,171
Loans (ending balance) **** 2,808,978 **** 469,306 2,339,672
Loans (average balance) **** 2,736,176 **** 539,828 2,196,348

28

Mitsubishi UFJ Financial Group, Inc.

13. Domestic Deposits

BK and TB Combined

(in millions of yen)
As ofMarch 31, 2026<br>(A) Increase (Decrease) (A) - (B) As ofMarch 31, 2025<br>(B)
Individuals **** 94,216,228 **** 597,405 93,618,823
Corporations and others **** 91,056,219 **** 4,820,699 86,235,520
Domestic deposits **** 185,272,448 **** 5,418,104 179,854,343
Note: Amounts do not include negotiable certificates of deposit and JOM accounts.
BK Non-consolidated
(in millions of yen)
As ofMarch 31, 2026<br>(A) Increase(Decrease)<br>(A) - (B) As ofMarch 31, 2025<br>(B)
Individuals **** 87,731,542 **** 153,412 87,578,130
Corporations and others **** 86,233,265 **** 4,560,893 81,672,372
Domestic deposits **** 173,964,807 **** **** **** **** 4,714,305 169,250,502
Note: Amounts do not include negotiable certificates of deposit and JOM accounts.
TB Non-consolidated
(in millions of yen)
As ofMarch 31, 2026<br>(A) Increase(Decrease)<br>(A) - (B) As ofMarch 31, 2025<br>(B)
Individuals **** 6,484,686 **** 443,993 6,040,693
Corporations and others **** 4,822,954 **** 259,805 4,563,148
Domestic deposits **** 11,307,640 **** 703,799 10,603,841
Note: Amounts do not include negotiable certificates of deposit and JOM accounts.

29

Mitsubishi UFJ Financial Group, Inc.

14. Status of Deferred Tax Assets

BK Non-consolidated

(1) Tax Effects of the Items Comprising Net Deferred Tax Assets

(in billions of yen)
As ofMarch 31, 2026<br>(A) Increase(Decrease)(A) - (B) As ofMarch 31, 2025<br>(B)
Deferred tax assets **** 1,309.4 **** 267.5 1,041.9
Allowance for credit losses **** 209.7 **** (1.1 ) 210.9
Write-down on investment securities **** 388.4 **** 15.4 373.0
Unrealized losses on Available-for-sale securities **** 0.7 **** (0.4 ) 1.2
Reserve for retirement benefits **** 56.5 **** (11.5 ) 68.0
Reserve for contingent losses **** 18.2 **** (1.1 ) 19.3
Depreciation and Impairment losses **** 74.9 **** (1.8 ) 76.7
Devaluation on land upon merger **** 19.8 **** (0.4 ) 20.2
Net deferred losses on hedging instruments **** 642.7 **** 205.3 437.4
Losses on management of employees’ retirement benefits trust **** 11.1 **** 11.1 —
Other **** 292.7 **** 63.0 229.7
Valuation allowance **** (405.7 ) (10.9 ) (394.8 )
Deferred tax liabilities **** 806.4 **** 38.9 767.4
Unrealized gains on Available-for-sale securities **** 666.5 **** 119.8 546.7
Revaluation gains on securities upon merger **** 34.5 **** (3.1 ) 37.7
Gains on securities contributed to employees’ retirement benefits trust **** 29.4 **** (12.3 ) 41.8
Gains on management of employees’ retirement benefits trust **** —**** **** (62.4 ) 62.4
Other **** 75.9 **** (2.8 ) 78.7
Net deferred tax assets **** 502.9 **** 228.5 274.4

(2) Net operating profits before provision for general allowance for credit losses and Taxable Income

(in billions of yen)
FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Net operating profits before provision for general allowance for credit losses 388.0 374.4 690.4 974.6 521.7 1,212.0
Total credit costs (223.3 ) (234.0 ) (98.5 ) (250.2 ) 237.3 (34.5 )
Income before income taxes 205.5 286.1 1,239.5 994.7 1,276.6 1,573.8
Reconciliation to taxable income 98.5 343.3 (453.8 ) (50.5 ) (446.8 ) 350.8
Taxable income 304.1 629.5 785.7 944.2 829.7 1,924.7

(3) Classification Based on Prior Year Operating Results as Provided in the ASBJ Guidance No.26

We are classified as “2” because we are considered to be a company showing stable financial performance.

30

Mitsubishi UFJ Financial Group, Inc.

TB Non-consolidated

(1) Tax Effects of the Items Comprising Net Deferred Tax Assets

(in billions of yen)
As ofMarch 31, 2026<br>(A) Increase(Decrease)(A) - (B) As ofMarch 31, 2025<br>(B)
Deferred tax assets **** 105.1 **** 17.5 87.6
Gains on securities related to employees’ retirement benefits trust **** 80.4 **** 18.3 62.0
Depreciation and Impairment losses **** 14.0 **** (0.9 ) 15.0
Write-down on investment securities **** 9.2 **** 0.5 8.6
Group tax sharing transactions **** 3.1 **** (4.4 ) 7.5
Reserve for contingent losses **** 0.9 **** (0.5 ) 1.5
Other **** 24.6 **** 4.5 20.0
Valuation allowance **** (27.3 ) 0.0 (27.3 )
Deferred tax liabilities **** 273.0 **** 29.2 243.7
Reserve for retirement benefits **** 157.5 **** 20.3 137.1
Unrealized gains on Available-for-sale securities **** 101.2 **** 28.8 72.3
Net deferred gains on hedging instruments **** 7.1 **** (15.3 ) 22.4
Other **** 7.1 **** (4.5 ) 11.6
Net deferred tax assets **** (167.8 ) (11.7 ) (156.0 )

(2) Net operating profits before credit costs for trust accounts and provision for general allowance for credit losses and Taxable Income

(in billions of yen)
FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Net operating profits before credit costs for trust accounts and provision for general allowance<br>for credit losses 132.3 176.4 109.1 70.4 70.0 153.3
Total credit costs 0.0 0.1 (0.2 ) (0.1 ) 0.2 (0.9 )
Income before income taxes 129.4 210.6 165.7 75.1 199.8 259.4
Reconciliation to taxable income (26.5 ) (37.4 ) (46.1 ) (15.2 ) (81.5 ) (24.4 )
Taxable income 102.9 173.1 119.6 59.8 118.3 234.9

(3) Classification Based on Prior Year Operating Results as Provided in the ASBJ Guidance No.26

We are classified as “2” because we are considered to be a company showing stable financial performance.

31

Mitsubishi UFJ Financial Group, Inc.

15. Retirement Benefits

MUFG Consolidated

(1) Benefit obligation

(in millions of yen)
As ofMarch 31, 2026<br>(A) Increase(Decrease)(A) - (B) As ofMarch 31, 2025<br>(B)
Projected benefit obligation (reserve type) (A) **** 1,355,600 **** (83,820 ) 1,439,420
Projected benefit obligation (non-reserve type) (B) **** 85,803 **** 2,526 83,276
Fair value of plan assets (C) **** 3,980,443 **** 344,829 3,635,614
Net amount recorded on the Consolidated Balance Sheet (A) + (B) - (C) **** (2,539,039 ) (426,122 ) (2,112,916 )
Net defined benefit liability **** 107,274 **** 2,662 104,612
Net defined benefit asset **** (2,646,314 ) (428,784 ) (2,217,529 )

(2) Net periodic cost of retirement benefits

(in millions of yen)
For the fiscal yearended<br>March 31, 2026<br>(A) Increase(Decrease)(A) - (B) For the fiscal yearended<br>March 31, 2025<br>(B)
Net periodic cost of retirement benefits regarding defined benefit pension plans **** (114,805 ) (13,878 ) (100,926 )
Service cost **** 42,113 **** (5,809 ) 47,922
Interest cost **** 40,808 **** 6,917 33,890
Expected return on plan assets **** (112,497 ) (4,011 ) (108,485 )
Amortization of unrecognized prior service cost **** (4,196 ) (3,493 ) (703 )
Amortization of unrecognized net actuarial loss **** (94,347 ) (8,777 ) (85,570 )
Other **** 13,314 **** 1,295 12,019

(3) Assumptions used in calculation of projected benefit obligation

As of March 31, 2026
Discount rates Domestic consolidated subsidiaries 0.70%~3.49%
Overseas consolidated subsidiaries 1.22%~11.77%
Expected return Domestic consolidated subsidiaries 1.64%~4.30%
Overseas consolidated subsidiaries 1.90%~11.77%

32

Mitsubishi UFJ Financial Group, Inc.

BK Non-consolidated

(1) Benefit obligation

(in millions of yen)
As of<br>March 31, 2026<br>(A) Increase(Decrease)(A) - (B) As of<br>March 31, 2025<br>(B)
Projected benefit obligation (A) **** 1,034,730 **** (48,554 ) 1,083,285
Discount rates **** (2.9% ~ 3.4%) **** (2.3% ~ 2.6%)
Fair value of plan assets (B) **** 2,680,575 **** 141,058 2,539,516
Prepaid pension cost (C) **** 945,905 **** 114,123 831,781
Reserve for retirement benefits (D) **** 17,825 **** 916 16,909
Total amount unrecognized (A) - (B) + (C) - (D) **** (717,764 ) (76,405 ) (641,359 )
Unrecognized net actuarial loss **** (717,798 ) (76,472 ) (641,326 )
Unrecognized prior service cost **** 33 **** 66 (33 )
(2) Net periodic cost
(in millions of yen)
For the fiscal year ended<br>March 31, 2026<br>(A) Increase(Decrease)(A) - (B) For the fiscal yearended<br>March 31, 2025<br>(B)
Net periodic cost of retirement benefits **** (68,088 ) (10,052 ) (58,035 )
Service cost **** 25,143 **** (4,491 ) 29,634
Interest cost **** 30,051 **** 5,270 24,780
Expected return on plan assets **** (67,524 ) (1,719 ) (65,804 )
Amortization of unrecognized prior service cost **** (73 ) 94 (168 )
Amortization of unrecognized net actuarial loss **** (76,422 ) (9,714 ) (66,708 )
Other **** 20,736 **** 508 20,228

33

Mitsubishi UFJ Financial Group, Inc.

TB Non-consolidated

(1) Benefit obligation

(in millions of yen)
As of<br>March 31, 2026<br>(A) Increase(Decrease)(A) - (B) As of<br>March 31, 2025<br>(B)
Projected benefit obligation (A) **** 222,379 **** (28,570 ) 250,949
Discount rates **** (2.9% ~ 3.3%) **** (2.1% ~ 2.4%)
Fair value of plan assets (B) **** 1,142,521 **** 193,912 948,609
Prepaid pension cost (C) **** 618,763 **** 63,297 555,465
Reserve for retirement benefits (D) **** — **** — —
Total amount unrecognized (A) - (B) + (C) - (D) **** (301,379 ) (159,184 ) (142,194 )
Unrecognized net actuarial loss **** (302,051 ) (158,963 ) (143,088 )
Unrecognized prior service cost **** 672 **** (221 ) 893
(2) Net periodic cost
(in millions of yen)
For the fiscal yearended<br>March 31, 2026<br>(A) Increase(Decrease)(A) - (B) For the fiscal yearended<br>March 31, 2025<br>(B)
Net periodic cost of retirement benefits **** (45,641 ) (56 ) (45,584 )
Service cost **** 3,691 **** (677 ) 4,368
Interest cost **** 5,780 **** 1,301 4,478
Expected return on plan assets **** (41,122 ) (2,266 ) (38,856 )
Amortization of unrecognized prior service cost **** 221 **** — 221
Amortization of unrecognized net actuarial loss **** (15,144 ) 1,265 (16,410 )
Other **** 932 **** 318 613

34

Mitsubishi UFJ Financial Group, Inc.

(Reference)

1. Financial Statements

BK Non-consolidated

(1) Non-consolidated Balance Sheets (selected items)

(in millions of yen) As of<br>March 31, 2025 As of<br>March 31, 2026
Assets:
Cash and due from banks 89,553,911 75,223,582
Call loans 1,489,909 1,454,708
Receivables under resale agreements 3,031,388 3,066,922
Monetary claims bought 4,248,428 4,609,901
Trading assets 5,602,554 6,406,681
Money held in trust 32,798 33,025
Securities 69,147,025 66,295,652
Loans and bills discounted 107,742,591 118,578,783
Foreign exchanges 1,374,506 1,684,522
Other assets 10,785,183 19,346,699
Tangible fixed assets 676,397 697,327
Intangible fixed assets 509,097 570,436
Prepaid pension costs 831,781 945,905
Deferred tax assets 274,421 502,995
Customers’ liabilities for acceptances and guarantees 9,597,403 10,909,802
Allowance for credit losses (530,929 ) (494,593 )
Total assets 304,366,471 309,832,353

35

Mitsubishi UFJ Financial Group, Inc.

(in millions of yen) As of<br>March 31, 2025 As of<br>March 31, 2026
Liabilities:
Deposits 202,712,799 212,081,936
Negotiable certificates of deposit 11,625,450 12,493,932
Call money 730,676 717,397
Payables under repurchase agreements 21,795,415 16,690,633
Commercial papers 3,062,422 2,944,594
Trading liabilities 3,011,694 4,611,078
Borrowed money 29,946,265 18,611,668
Foreign exchanges 2,592,757 2,821,388
Bonds payable 1,109,130 1,145,878
Other liabilities 8,785,154 17,129,597
Reserve for bonuses 92,495 107,368
Reserve for bonuses to directors 267 276
Reserve for stocks payment 4,423 5,752
Reserve for retirement benefits 16,909 17,825
Reserve for contingent losses 62,378 57,886
Reserves under special laws 0 0
Deferred tax liabilities for land revaluation 81,148 80,100
Acceptances and guarantees 9,597,403 10,909,802
Total liabilities 295,226,792 300,427,120
Net assets:
Capital stock 1,711,958 1,711,958
Capital surplus 3,878,275 4,131,170
Capital reserve 1,711,958 1,711,958
Other capital surplus 2,166,317 2,419,212
Retained earnings 3,710,103 3,912,411
Revenue reserve 190,044 190,044
Other retained earnings 3,520,059 3,722,366
Funds for retirement benefits 2,432 2,432
Reserve for investment promotion taxation 852 1,020
Other reserve 718,196 718,196
Earned surplus brought forward 2,798,577 3,000,717
Treasury stock (645,700 ) (645,700 )
Total shareholders’ equity 8,654,637 9,109,839
Net unrealized gains (losses) on available-for-sale securities 1,277,153 1,536,654
Net deferred gains (losses) on hedging instruments (948,300 ) (1,395,174 )
Land revaluation excess 156,189 153,912
Total valuation and translation adjustments 485,042 295,393
Total net assets 9,139,679 9,405,233
Total liabilities and net assets 304,366,471 309,832,353

36

Mitsubishi UFJ Financial Group, Inc.

BK Non-consolidated

(2) Non-consolidated Statements of Income (selected items)

(in millions of yen) For the fiscal yearended<br>March 31, 2025 For the fiscal yearended<br>March 31, 2026
Ordinary income 7,364,065 7,765,892
Interest income 5,179,269 5,687,918
Interest on loans and bills discounted 3,005,753 3,099,623
Interest and dividends on securities 1,175,747 1,290,661
Fees and commissions 870,242 1,033,029
Trading income 101,651 159,725
Other operating income 399,562 351,809
Other ordinary income 813,339 533,409
Ordinary expenses 6,156,555 6,157,988
Interest expenses 3,599,035 3,969,750
Interest on deposits 1,727,362 1,756,596
Fees and commissions 161,746 168,113
Trading expenses 3,910 4,610
Other operating expenses 909,207 318,857
General and administrative expenses 1,308,243 1,495,046
Other ordinary expenses 174,412 201,610
Ordinary profits 1,207,510 1,607,904
Extraordinary gains 80,403 37,036
Extraordinary losses 11,289 71,102
Income before income taxes 1,276,624 1,573,837
Income taxes - current 183,469 583,814
Income taxes - deferred 133,977 (145,246 )
Total taxes 317,446 438,567
Net income 959,178 1,135,269

37

Mitsubishi UFJ Financial Group, Inc.

TB Non-consolidated

(1) Non-consolidated Balance Sheets (selected items)

(in millions of yen) As of<br>March 31, 2025 As of<br>March 31, 2026
Assets:
Cash and due from banks 13,562,026 11,767,855
Call loans 730,000 969,587
Receivables under resale agreements 84,905 113,680
Receivables under securities borrowing transactions 130,708 105,821
Monetary claims bought 15 15
Trading assets 88,909 220,878
Money held in trust 13,864 17,577
Securities 14,518,485 16,138,736
Loans and bills discounted 2,339,672 2,808,978
Foreign exchanges 175,657 204,717
Other assets 1,344,091 2,265,885
Tangible fixed assets 112,161 113,789
Intangible fixed assets 88,450 103,992
Prepaid pension costs 555,465 618,763
Customers’ liabilities for acceptances and guarantees 44,005 57,508
Allowance for credit losses (932 ) (1,798 )
Total assets 33,787,488 35,505,990

38

Mitsubishi UFJ Financial Group, Inc.

(in millions of yen) As of<br>March 31, 2025 As of<br>March 31, 2026
Liabilities:
Deposits 13,257,880 14,065,823
Negotiable certificates of deposit 5,746,397 5,070,148
Call money 2,038,024 2,317,743
Payables under repurchase agreements 5,464,023 6,132,752
Commercial papers 133,307 286,478
Trading liabilities 278,494 525,378
Borrowed money 1,578,850 1,703,684
Foreign exchanges 543,047 378,952
Short-term bonds payable 199,766 199,728
Bonds payable 30,000 10,000
Due to trust accounts 1,565,953 1,495,989
Other liabilities 689,059 966,766
Reserve for bonuses 6,081 6,541
Reserve for bonuses to directors 176 163
Reserve for stocks payment 3,556 3,923
Reserve for contingent losses 5,092 3,135
Deferred tax liabilities 156,082 167,841
Deferred tax liabilities for land revaluation 3,755 3,669
Acceptances and guarantees 44,005 57,508
Total liabilities 31,743,556 33,396,230
Net assets:
Capital stock 324,279 324,279
Capital surplus 455,970 455,970
Capital reserve 250,619 250,619
Other capital surplus 205,351 205,351
Retained earnings 1,352,802 1,374,163
Revenue reserve 73,714 73,714
Other retained earnings 1,279,088 1,300,449
Funds for retirement benefits 710 710
Reserve for investment promotion taxation 281 281
Other reserve 138,495 138,495
Earned surplus brought forward 1,139,601 1,160,962
Treasury stock (299,999 ) (299,999 )
Total shareholders’ equity 1,833,051 1,854,413
Net unrealized gains (losses) on available-for-sale securities 179,477 239,976
Net deferred gains (losses) on hedging instruments 31,040 15,195
Land revaluation excess 362 174
Total valuation and translation adjustments 210,879 255,346
Total net assets 2,043,931 2,109,760
Total liabilities and net assets 33,787,488 35,505,990

39

Mitsubishi UFJ Financial Group, Inc.

TB Non-consolidated

(2) Non-consolidated Statements of Income (selected items)

(in millions of yen) For the fiscal yearended<br>March 31, 2025 For the fiscal yearended<br>March 31, 2026
Ordinary income 1,542,316 1,585,994
Trust fees 126,186 143,432
Interest income 997,567 987,167
Interest on loans and bills discounted 91,803 108,626
Interest and dividends on securities 685,304 614,658
Fees and commissions 177,673 194,049
Trading income 30 0
Other operating income 92,267 150,271
Other ordinary income 148,590 111,073
Ordinary expenses 1,317,351 1,321,049
Interest expenses 821,011 791,623
Interest on deposits 124,346 156,915
Fees and commissions 58,346 68,369
Trading expenses 48,149 119,509
Other operating expenses 190,288 121,291
General and administrative expenses 190,497 207,025
Other ordinary expenses 9,057 13,229
Ordinary profits 224,965 264,945
Extraordinary gains 2,390 0
Extraordinary losses 27,503 5,503
Income before income taxes 199,852 259,442
Income taxes - current 39,902 72,792
Income taxes - deferred 5,713 (1,887 )
Total taxes 45,616 70,904
Net income 154,236 188,537

40

Mitsubishi UFJ Financial Group, Inc.

TB Non-consolidated

(3) Statements of Trust Assets and Liabilities

Including trust assets under service-shared co-trusteeship

(in millions of yen) As ofMarch 31, 2025 As ofMarch 31, 2026
Assets:
Loans and bills discounted 1,507,955 1,495,493
Securities 82,297,398 91,704,429
Beneficiary rights to the trust 171,790,489 193,183,132
Securities held in custody accounts 3,182,746 3,234,031
Monetary claims 37,473,051 37,833,580
Tangible fixed assets 24,848,502 27,877,699
Intangible fixed assets 229,603 328,134
Other claims 4,279,871 3,943,856
Call loans 5,651,749 7,350,651
Due from banking account 4,244,900 2,808,353
Cash and due from banks 6,403,878 7,005,048
Total 341,910,148 376,764,411
Liabilities:
Money trusts 39,222,424 40,191,177
Pension trusts 13,366,896 13,894,088
Property formation benefit trusts 5,228 4,990
Investment trusts 170,479,519 191,654,775
Money entrusted other than money trusts 7,388,623 8,863,362
Securities trusts 5,392,692 4,143,865
Monetary claim trusts 32,124,384 33,553,151
Equipment trusts 412,714 1,149,948
Land and fixtures trusts 18,442 18,681
Composite trusts 73,499,220 83,290,369
Total 341,910,148 376,764,411
Note: 1. The table shown above includes master trust assets under the service-shared co-trusteeship between TB and The Master Trust Bank of Japan, Ltd.
--- --- --- --- ---
2. Trust assets and liabilities under a declaration of trust excluded from above table are 32,651 millions of yen as of March 31, 2025 and 52,080 millions of yen as of March 31, 2026.

Detailed information for “Money trust” with contracts indemnifying the principal amounts (including trusts for which beneficiary interests are re-entrusted)

(in millions of yen) As of<br>March 31, 2025 As of<br>March 31, 2026
Assets:
Loans and bills discounted 2,468 1,957
Other 1,713,079 1,598,074
Total 1,715,548 1,600,032
Liabilities:
Principal 1,715,116 1,599,365
Allowance for bad debts 7 5
Other 424 661
Total 1,715,548 1,600,032

41

Mitsubishi UFJ Financial Group, Inc.

TB Non-consolidated

(4) Major Items

(in millions of yen) As ofMarch 31, 2025 As ofMarch 31, 2026
Total funds 71,598,827 73,226,228
Deposits 13,257,880 14,065,823
Negotiable certificates of deposit 5,746,397 5,070,148
Money trusts 39,222,424 40,191,177
Pension trusts 13,366,896 13,894,088
Property formation benefit trusts 5,228 4,990
Loans and bills discounted 3,847,628 4,304,471
Banking account 2,339,672 2,808,978
Trust account 1,507,955 1,495,493
Investment securities 96,815,884 107,843,166
Note: The table shown above includes master trust assets under the service-shared co-trusteeship between TB and The Master Trust Bank of Japan, Ltd.
--- --- ---

42

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