Replay available
Mitsubishi UFJ Financial Group, Inc. (MUFG) Q4 2026 Earnings Call
Mitsubishi UFJ Financial Group, Inc. (NYSE: MUFG) Q4 2026 earnings conference call, held 2026-05-19. Replay captured from the company's public earnings webcast.
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WEBVTT 00:00:00.976 -- 00:00:06.152 Good evening. I am Togawa, Group CFO. May I thank all the investors, 00:00:06.152 -- 00:00:11.287 shareholders, and rating agencies for joining MEFG's online conference call today, despite 00:00:11.287 -- 00:00:16.618 the late hour. Please look at the material titled Financial Highlights Under JGAP 00:00:16.618 -- 00:00:22.026 for the Fiscal Year Ended March 31, 2026. First, let me explain our FY25 00:00:22.026 -- 00:00:27.574 financial results, followed by FY26 performance targets, shareholder return policy, 00:00:27.574 -- 00:00:31.120 and others. Let me begin with the income statement summary. 00:00:31.120 -- 00:00:36.228 Please turn to page 8. FY24 on the far left column includes the impact 00:00:36.228 -- 00:00:42.754 of the change in financial results closing date at Krumsi in Thailand last year. 00:00:42.775 -- 00:00:48.255 Therefore, the far right column shows the actual year-on-year change after adjusting 00:00:48.255 -- 00:00:50.616 for this impact. 00:00:51.145 -- 00:00:56.296 I will explain this page using the adjusted year-on-year change. 00:00:57.389 -- 00:01:01.937 Line 1, gross profits increased by 1,290,000,000,000 00:01:01.937 -- 00:01:04.622 yen year-on-year. 00:01:04.622 -- 00:01:08.288 Line 2 and below show the breakdown of gross profits. 00:01:08.288 -- 00:01:13.577 Net interest income increased by the impact of higher yen interest rates, increased lending 00:01:13.577 -- 00:01:20.285 with improved lending margins, and improvements due to last year's bond portfolio rebalancing. 00:01:20.288 -- 00:01:25.355 In addition, net fees and commissions expanded significantly, mainly driven by 00:01:25.355 -- 00:01:31.060 domestic and overseas solution business and contribution from acquisitions. 00:01:32.264 -- 00:01:3...