Mitsubishi Ufj Financial Group, Inc. · TSE:8306

Mitsubishi Ufj Financial — FY2024 Earnings Presentation

80 slides from Mitsubishi Ufj Financial's earnings presentation, May 19, 2026

1. Slide 1: FY2024 IR Presentation

   FY2024 IR Presentation May 19, 2025 Mitsubishi UFJ Financial Group, Inc.

2. Slide 2: Disclaimer

   Disclaimer This document contains forward-looking statements in regard to forecasts, targets and plans of Mitsubishi UFJ Financial Group, Inc. (“MUFG”) and its group companies (collectively, “the group”). These forward-looking statements are based on information currently available to the group and

3. Slide 3: Key messages

   Key messages FY24 result / FY25 target / Shareholders returns / Review of mid to long-term ROE target • FY24 result ¥1.86tn in net profits*1, ROE(MUFG basis) was 9.9%, achieving MTBP*2 target • FY25 target Net profits target is ¥2tn • Shareholders returns FY24 DPS increased to ¥64, up by ＋¥23 compar

4. Slide 4: Contents

   Contents FY24 financial results and review of targets 5 Progress of the medium-term business plan (MTBP) 14 Strengthening governance 28 Status of each strategy in the MTBP 31 Appendix 40 4

5. Slide 5: FY24 financial results and review of targets

   FY24 financial results and review of targets 5

6. Slide 6: FY24 financial results

   Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies FY24 financial results －Net profits resulted in ¥1.86tn. ROE at 9.9%, achieving the MTBP target ahead of schedule Factors of c

7. Slide 7: FY24 financial results and NOP changes by business group

   Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies FY24 financial results and NOP changes by business group －Despite a decline in NOP due to bond portfolio rebalance, customer s

8. Slide 8: FY25 target

   Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies FY25 target －Under current assumptions, net profits of ¥2.0tn and ROE*1 of 10% are well in sight Factors for changes in net pr

9. Slide 9: Results of shareholder return

   Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies Results of shareholder return －YoY DPS increase of ¥23 was implemented in FY24. DPS ¥70 is projected for FY25. For H1, repurch

10. Slide 10: MUFG EPS Growth

    Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies MUFG EPS Growth －Our EPS growth is amongst the global peers by steady profit growth and disciplined capital management Achievi

11. Slide 11: Impact of U.S. trade policy

    Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies Impact of U.S. trade policy －At present, high uncertainty makes it challenging to project the impacts on various countries eco

12. Slide 12: Sustainable growth through unique business portfolio

    Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies Sustainable growth through unique business portfolio －Due to the high uncertainty in the business environment, the financial t

13. Slide 13: Revision of mid to long-term ROE target

    Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies Revision of mid to long-term ROE target －Despite the current uncertain environment, our direction to increase ROE in the mid t

14. Slide 14: Progress of the MTBP

    Progress of the MTBP MUFG .,

15. Slide 15: Review – Net profits and components of gross profits

    Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies Review – Net profits and components of gross profits －By diversifying revenue base and recovering JPY NII*1 from interest rate

16. Slide 16: Strong fee income

    Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies Strong fee income －Diversified business portfolio resulted fee income growth on both stock type and flow type Fee income trend

17. Slide 17: Expand & Refine Growth Strategies

    Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies Expand & Refine Growth Strategies －Earning power has improved due to a good progress in growth strategies Status of net operat

18. Slide 18: Evolution of retail business strategy

    Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies Evolution of retail business strategy －Expand business portfolio and build a structure for quickly responding to market change

19. Slide 19: Outlook on Asia Strategy

    Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies Outlook on Asia Strategy －Asia business steadily evolved over the past decade. Addressing new challenges while expanding econo

20. Slide 20: Drive Social & Environmental Progress(1)

    Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies Drive Social & Environmental Progress(1) －Visualize path toward social & environmental progress and impact of initiatives Init

21. Slide 21: Drive Social & Environmental Progress(2)

    Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies Drive Social & Environmental Progress(2) －Expand start up support / Strengthen financial and economic education initiatives In

22. Slide 22: Accelerate Transformation & Innovation(1)

    Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies Accelerate Transformation & Innovation(1) －Efforts and disclosures towards corporate transformation are further expanding Acce

23. Slide 23: Accelerate Transformation & Innovation(2)

    Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies Accelerate Transformation & Innovation(2) －AI for operation efficiency and also capability enhancement, to brace the age of AI

24. Slide 24: Cost control

    Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies Cost control －Excluding the impact from rebalance of bond portfolio, expense ratio improved Expense ratio: 57.6% Result of exp

25. Slide 25: RWA control

    Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies RWA control*1 －Reduction target nearly achieved through the reduction of low-profit assets in the customer segments and the ac

26. Slide 26: Reduction of equity holdings

    Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies Reduction of equity holdings*1 －FY24 sold amount was ¥276bn vs the MTBP target ¥700bn （¥tn） During the MTBP Sold amount in Dom

27. Slide 27: Alliance 2.0-Enhancement of Strategic Alliance with Morgan Stanley

    Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies Alliance 2.0-Enhancement of Strategic Alliance with Morgan Stanley －In Alliance 2.0, our collaboration is being deepened and e

28. Slide 28: Strengthening governance

    Strengthening governance 28

29. Slide 29: Status of measures for business improvement orders related to bank-securities collaboration

    Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies Status of measures for business improvement orders related to bank-securities collaboration －Completed planned measures for FY

30. Slide 30: Status of response to the incident of customers' asset theft from safe deposit boxes

    Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies Status of response to the incident of customers’ asset theft from safe deposit boxes －Measures to prevent the incident recurre

31. Slide 31: Status of each strategy in the MTBP

    Status of each strategy in the MTBP 31

32. Slide 32: Growth Strategies(1)

    Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies Growth Strategies(1) Strengthen domestic retail customer base Strengthen corporate × WM business Online Securities Strategies

33. Slide 33: Growth Strategies(2)

    Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies Growth Strategies(2) GCIB-GM integrated business model Strengthen APAC business and platform resilience Progress 1 Loan growth

34. Slide 34: Growth Strategies(3)

    Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies Growth Strategies(3) Contribute to making Japan a leading asset Support value chain in green transformation (GX) management ce

35. Slide 35: Growth Strategies(4)

    Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies Growth Strategies(4) Challenge to build a new business portfolio Improving BS profitability Achievements in FY24 Trends of len

36. Slide 36: MUFG's economic sphere in Asia - Asia & Digital Finance

    Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies MUFG’s economic sphere in Asia - Asia & Digital Finance － Aim to seize opportunities arising from Asia’s expanding financial n

37. Slide 37: Drive Social & Environmental Progress

    Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies Drive Social & Environmental Progress Advocacy to support responsible transition Increasing Access to Financial Services • MUF

38. Slide 38: Accelerate Transformation & Innovation

    Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies Accelerate Transformation & Innovation －Accelerating project collaborations and business processes digitalization via intellig

39. Slide 39: Transformation of corporate culture

    Progress of the MTBP Governance ／ tFY24 argets results review Status of MTBP strategies FY24 results／targets review Progress of the MTBP Governance Status of MTBP strategies Transformation of corporate culture －Fostering a “Challenge and Agility” environment through initiatives based on the three el

40. Slide 40: Appendix

    y Appendix (©) MUFG ,,

41. Slide 41: Income statement summary

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Income statement summary FY23 FY24 Consolidated YoY 1 Gross profits (FX impact: approx. +¥70bn) (¥bn) Gross profits • Increased by the overseas acquisitions, incre

42. Slide 42: Results by business group(1)

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Results by business group(1) Net operating Expense ratio*1 ROE*2 RWA (¥tn)*3 profits (¥bn)*1 FY24 YoY FY24 YoY FY24 YoY FY24 YoY Consolidated Business group 268.7

43. Slide 43: Results by business group(2)

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Results by business group(2) Retail & Digital*1 Commercial Banking & Wealth Management*1 (¥bn) FY23 FY24 YoY (¥bn) FY23 FY24 YoY Gross profits 833.2 932.9 99.8 Gro

44. Slide 44: Results by business group(3)

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Results by business group(3) Japanese Corporate & Investment Banking*1 Global Corporate & Investment Banking*1 (¥bn) FY23 FY24 YoY (¥bn) FY23 FY24 YoY Gross profit

45. Slide 45: Results by business group(4)

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Results by business group(4) Global Commercial Banking*1 (¥bn) FY23 FY24 YoY (¥bn) FY23 FY24 YoY Gross profits 589.2 782.1 192.9 Net profits 93.7 66.3 (27.3) KS*2

46. Slide 46: Results by business group(5)

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Results by business group(5) Asset Management & Investor Services*1 Global Markets*1 (¥bn) FY23 FY24 YoY (¥bn) FY23 FY24 YoY Gross profits 392.8 469.5 76.7 Gross p

47. Slide 47: Breakdown of Gross profits by Entity

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Breakdown of Gross profits by Entity Net interest income*1 Consolidated Trust fees Consolidated Net trading profits Consolidated + Net fees and commissions + Net o

48. Slide 48: Performance since MUFG's establishment

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability (Reference)Performance since MUFG’s establishment Net operating profits Consolidated （¥bn） H1 H2 1,843.7 1,652.7 1,644.9 1,594.2 1,591.1 1,515.5 1,501.6 1,507.4 1,

49. Slide 49: Net profits (breakdown by entity)

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Net profits (breakdown by entity) Breakdown of net profits*1 Consolidated Financial summary of major entities*3 Consolidated Other MUFG (¥bn) MS 57.0 1,862.9 the B

50. Slide 50: Balance sheet summary

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Balance sheet summary Overview of Balance Sheet Consolidated Loans (period end balance) Consolidated As of end Mar 2025 (¥tn) Overseas: (0.4) from end Mar 24 ((0.5

51. Slide 51: JPY B/S and trends in loan

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability JPY B/S and trends in loan JPY B/S Non-Consolidated Trends in loan Non-Consolidated (¥tn) As of end Mar 25 Trends in domestic JPY loans (Ave. balance/¥tn) 28 Large

52. Slide 52: Impact of rises in JPY interest rates

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Impact of rises in JPY interest rates － The impact of interest rate hikes contributes to MUFG's medium-term profit growth. There is further upside potential from a

53. Slide 53: Non-JPY Liquidity

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Non-JPY Liquidity*1 －Managed soundness of balance sheet based on stability (US$bn) MUFG Bank*1’s characteristics of non-JPY liquidity management As of Mar 25 1. De

54. Slide 54: Domestic loans

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Domestic loans Loan balance (period end balance)*1 Consolidated Deposit / lending rate*4 Non-Consolidated +5.4 from end Mar 24 1.1% 1.04% (¥tn) Lending rate Deposi

55. Slide 55: Overseas loans

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Overseas loans Loan balance (period end balance)*1 Consolidated Deposit / lending rate*2 Non-Consolidated (¥tn) (¥0.4)tn from end Mar 24 8.0% Lending rate ((¥0.5)t

56. Slide 56: Investment securities(1)

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Investment securities(1) Securities with fair value Consolidated Unrealized gains (losses) on AFS securities Consolidated Balance Unrealized gains (losses) (¥tn) D

57. Slide 57: Assets with different sensitivities

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Bond portfolio rebalance Sensitivity nature of assets on the Bank BS*1 The effect of bond portfolio rebalance BS as of end Mar 24 Maintain the soundness of BS and

58. Slide 58: Investment securities(2)

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Investment securities(2) Domestic bond balance*1 and duration Non-Consolidated Foreign bond balance*1 and duration Non-Consolidated (¥tn) Over 10 years 5 years to

59. Slide 59: Credit costs

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Credit costs *1 (¥bn) Reversal of credit costs 11.8 Increase in credit costs (75.6) (115.6) (155.3) (193.4) (0.01%) (161.6) (46.1) (5.8) (222.9) 0.09% (255.1) (261

60. Slide 60: Non-performing loans

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Non-performing loans*1 （¥bn） Risk-monitored loans(previous standard) New standard 2.24% 2.20% 2.12% NPL ratio *2 2.08% 1.66% 1.67% 1.51% 1.40% 1.45% 1.41% 1.17% 1.

61. Slide 61: Capital

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Capital CET1 ratio Consolidated FY24 results Consolidated End End 14.1% (¥bn) 13.5% Mar 24 Mar 25 Changes 10.7% Common Equity Tier 1 Net 1 15,041.3 15,169.2 127.9

62. Slide 62: Basic policies for capital allocation ("Capital Triangle")

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Basic policies for capital allocation (“Capital Triangle”) －Continue disciplined capital management 1 Enhance further shareholder returns Consider • Maintain divid

63. Slide 63: Policy of capital management and allocation

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Policy of capital management and allocation Capital management policy Capital allocation policy during the MTBP Allocate excess capital to additional shareholder T

64. Slide 64: Capital allocation

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Capital allocation Capital allocation results and forecast*1 +1.8% +0.3% 10.8% （0.7%） （0.4%） 10.1% （0.3%） CET1 Net Dividend Share RWA increase/ FX fluctuation, CET

65. Slide 65: Basel III risk-weighted assets (RWA) floor adjustment

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Basel Ⅲ risk-weighted assets (RWA) floor adjustment －From March 2024, RWA capital floors based on standardized approach are implemented in phases RWA floor adjustm

66. Slide 66: Capital and TLAC requirement – The best capital mix and required ratio

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Capital and TLAC requirement – The best capital mix and required ratio －Aiming for optimal balance between capital efficiency and medium- to long-term capital adeq

67. Slide 67: Capital and TLAC requirement – Issuance track record & redemption schedule

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Capital and TLAC requirement– Issuance track record & redemption schedule － In FY2024, maintained stable capital ratios and external TLAC ratio by taking into acco

68. Slide 68: ROE (Japan Exchange Group basis)

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability ROE (Japan Exchange Group basis) 15% * * Consolidated MUFG SMFG Mizuho 12% 9.3% 9% 8.1% 8.0% 8.1% 6.7% 6.5% 7.4% 6% 6.2% 6.3% 6.0% 5.4% 4.7% 3% 3.3% 0% FY12 FY13 F

69. Slide 69: Trend of EPS and total number of issued common stock

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Trend of EPS and total number of issued common stock EPS (¥) EPS (¥, excluding the effect of buyback)*1 Total number of issued common stock*2*3(bn) 160.0 124.7 131

70. Slide 70: TSR

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability TSR*1 (Closing price as of March 31, 2021 = 100) 400 350 MUFG Sumitomo Mitsui 300 Financial Group Mizuho Financial Group 250 HSBC Holdings Deutsche Bank 200 Barcla

71. Slide 71: Financial results of KS and BDI

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Financial results*1 of KS and BDI KS*2 (¥bn) (THB mn) Reference*3 Reference*3 FY23 FY24 YoY FY23 FY24 YoY FY25Q1 FY25Q1 Total income 573.8 633.0 59.1 163.1 138,948

72. Slide 72: Key figures of KS

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Key figures of KS Lending balance Net interest income Non-interest income Corporate SME Auto Q1 Q2 Q1 Q2 (THB bn) (THB bn) Q3 Q4 NIM (THB bn) Q3 Q4 Mortgage ASEAN

73. Slide 73: Key figures of BDI

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Key figures of BDI Lending balance Net interest income*1 Non-interest income (IDR tn) Enterprise and FI SME Consumer (IDR tn) Q1 Q2 Q3 Q4 NIM (IDR tn) Q1 Q2 Q3 Q4

74. Slide 74: Status of domestic securities

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Status of domestic securities Joint financial results of domestic securities*1 Trends of net operating revenue and ordinary profit Simple sum of the figures for (¥

75. Slide 75: Business portfolio supporting MUFG's growth

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Business portfolio supporting MUFG’s growth 1 Japan 3 US The largest domestic customer base and balance sheet Realize growth in the world’s largest economic zones

76. Slide 76: Strategic investments for sustainable growth

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Strategic investments for sustainable growth －Establishing a broad revenue base through portfolio diversification via strategic investments and the review of past

77. Slide 77: External evaluation

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability External evaluation Evaluation by external rating agencies Inclusion in Sustainability indices Entities Mar 2025 Indices selected by GPIF MSCI A • MSCI Nihonkabu E

78. Slide 78: Human Capital KPIs

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Human Capital KPIs －A global financial group capable of contributing to society and customers by making a positive social impact and foresting a culture where our

79. Slide 79: Governance (Structure of the Board of Directors)

    Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Governance (Structure of the Board of Directors) (Planned for end June 2025) Knowledge, expertise and experience Indepen- Independent Committee- outside directors Name dent Corporate related duties*1 Finance & Legal Sustaina- O

80. Slide 80: Governance (Compensation system)

    PL BS Capital Indicators Subsidiaries Strategies Sustainability Appendix PL BS Capital Indicators Subsidiaries Strategies Sustainability Governance (Compensation system) Type of Proportion of compen- Linkage with Performance- Standards for payment Weight Time of Payment Group CEO’s sation performanc

Mitsubishi UFJ Financial Group — FY2024 Earnings Presentation on 6ix