P P P PE JP Appendix P.55 1

20183 2018521

1. 20183 P.2 20193 2. 20183 P.10 3. 20182020 P.37 1 2 3 4 5 6-1 6-2 6-3 PE 7 8 9 10 11 2020 12 JP Appendix P.55 1

120183 12.9%100.7% p.9 2

3

2018/3 A 2018/3 B BA BP 8 4,692 3,543 1,148 SP 7,669 8,275 606 8 1,000 964 35 8,534 8,389 145 21 602 580 4,849 4,996 147 20171010 10 BPSP 3,348 3,527 179 4

Liability-driven portfolio 123 7 2018/3 2017/3 9 55 0 55 31 7 38 35 0 35 1 0 1 2015/3 35 66 47 2 Excess-return portfolio 10 10,12 () 78 8 2018/3 2017/3 6 8 58 (38) 0 0 6 (5) 6 8 52 (32) 0 0 0 () 11,12 3 0 3 1 0 1 1 1 1 2015/3 5 6 33 (14) 1 2 1 2018/3 2015/3 2007/10/1 5.1% 3.0% 2.9% 16 28.5% 15 2.1% 30.2% 14 27.9% 5.3% 2.6% 1.3% 15.9% 14 21.0% 15 1.7% 51.8% 0.1% 14 2.9% 3.1% 3.6% 13 88.0% 1.8% 15 0.2% 10,035 37,744 22,683 46,815 5

90% 2018320% 220 200 180 160 140 120 100 80 60 40 20 0 206.7 4.5 BP 180.9 170.0 158.8159.1159.6 156.4149.5 13.7 17.4 25.3 28.1 30.6 36.9 48.0 136.3 129.0 122.5 61.5 70.4 78.0 07 08 09 10 11 12 13 14 15 16 17 SP 55 50 45 40 35 30 25 20 15 10 5 0 92.0% 91.6% 85.9% 9.2 8.8 9.1 74.8% 11.5 68.3% 12.9 13.8 66.0% 56.8% 16.5 21.5 32.2 38.4% 38.7 50.3 100% 90% 80% 70% 60% 50% 40% 26.3% 30% 22.2% 17.4% 20% 07 08 09 10 11 12 13 14 15 16 17 10% 0% 6

3.5 % 130 3.0 2.5 10 125 120 2.0 115 1.5 110 1.0 105 0.5 0.0 FF 10 100 95 0.5 90 15/3 15/6 15/9 15/12 16/3 16/6 16/9 16/12 17/3 17/6 17/9 17/12 18/3 15/3 15/6 15/9 15/12 16/3 16/6 16/9 16/12 17/3 17/6 17/9 17/12 18/3 46,815 46,638 40,711 40,016 41,864 42,579 42,519 44,526 43,981 43,237 44,241 44,331 37,744 31,508 33,549 29,435 27,236 19,678 7,002 4,506 19,920 13,351 14,500 15,937 14,931 3,753 2,649 1,922 1,386 2,541 1,280 810 3,314 2,901 4,350 5,239 6,061 5,198 2,658 5,914 7,256 4,804 4,659 353 7,882 9,020 1,967 1,853 1,370 363 276 5,687 9,744 10,262 9,385 7,961 6,053 2,995 2,222 3,310 1,680 3,091 3,317 3,304 44 7

20193 201933,7002,600 20193 20193 18 2019/3 2018/3 3,700 4,996 14,000 6,800 [70] 20 7,100 [129] 20 2016 17/3 SP BP 13,800 8,200 [78] 20 5,500 [122] 20 2017 18/3 SP BP 2,600 3,527 13,200 2018 19/3 19 20193 Fintech 201712 113 8

1. 2. 3. 4. 5. 20153 6. 20183 7. SP 8. p.24 1BPSPBP 2BPSP 3BP 9. 10. 11. 12. 13. 201011 14. 15. 16. 17. 2017320183p.20 18. 20193 19. SPBP 20. 9

2. 20183 10

20183 BP 17/3 4,420 BP SP 2017/3 2018/3 100 150 525 18/3 4,996 1,650 1,450 p.24 BPSPBP BPSP BP 11

2018/3 2017/3 2018/3 2017/3 14,623 14,102 521 11,756 12,235 478 964 866 98 1,902 1,000 901 1,949 993 955 64 24 40 10,450 10,561 111 0 0 0 4,173 3,540 632 823 879 56 212 0 213 509 829 319 602 76 525 4,996 4,420 575 3,527 3,122 404 2,106,306 2,095,688 10,617 492,883 512,819 19,936 4,800 4,700 100 82,241 87,189 4,947 42,415 38,179 4,236 1,392,012 1,387,924 4,088 61,455 40,641 20,814 1,991,174 1,977,887 13,286 1,798,827 1,794,346 4,480 138,121 136,942 1,178 115,131 117,800 2,668 88,945 87,296 1,649 26,185 30,504 4,318 12

2018/3 (%pt) 2017/3 17.42 4.79 22.22 87,720 86,169 503,435 387,798 11.37 0.21 11.16 9,980 1,623 7,219 9,618 2,380 6,544 87,720 86,169 ROE 3.02 0.34 2.68 3,527 3,122 2 116,465 116,440 OHR 71.46 3.42 74.89 1450 1561 14,623 14,102 0.74 0.03 0.78 0.57 0.02 0.60 0.74 0.78 0.17 0.18 2018/3 17.43 87,788 503,422 4.16 87,788 2106,298 13

2018/3 2017/3 49,288,314 51,281,921 1,993,607 480,000 470,000 10,000 8,224,153 8,718,905 494,752 278,566 252,214 26,351 32 9 22 4,241,524 3,817,908 423,616 139,201,254 138,792,448 408,806 6,145,537 4,064,120 2,081,417 87,487 78,646 8,840 2,442,328 1,871,733 570,595 190,098 175,825 14,272 52,372 46,183 6,188 1,066 1,096 30 210,630,601 209,568,820 1,061,781 2018/3 2017/3 179,882,759 179,434,686 448,073 45,436 45,436 1,985,285 960,937 1,024,348 13,812,123 13,694,294 117,829 191,481 40,324 151,156 2,400 2,400 309 407 97 1,950,331 2,185,197 234,866 7,879 6,007 1,872 147,095 148,800 1,705 809 809 144 43 100 86,114 2,096 84,018 1,050,715 1,270,550 219,834 199,117,450 197,788,782 1,328,667 3,500,000 3,500,000 4,296,285 4,296,285 2,399,031 2,233,759 165,271 1,300,717 1,300,411 306 8,894,599 8,729,634 164,965 2,615,432 3,166,980 551,548 3,119 116,577 119,696 2,618,551 3,050,403 431,851 11,513,151 11,780,037 266,886 210,630,601 209,568,820 1,061,781 14

2018/3 2017/3 1,462,367 1,410,256 52,110 1,175,691 1,223,546 47,854 96,448 86,619 9,828 190,227 100,091 90,136 194,930 99,395 95,534 6,473 2,454 4,019 1,045,046 1,056,168 11,122 128,658 125,328 3,330 838,925 854,369 15,444 77,462 76,470 991 417,320 354,087 63,233 11 10 21 417,309 354,098 63,211 82,359 87,987 5,627 21,265 88 21,354 50,933 82,930 31,997 60,205 7,654 52,550 499,669 442,085 57,583 1 201832,186 201732,115 2 3 2018/3 2017/3 731 1,488 757 713 529 183 17 958 941 498,937 440,596 58,341 174,218 133,287 40,931 28,025 4,954 23,070 146,192 128,332 17,860 352,745 312,264 40,480 50,933 82,930 31,997 59,225 51,556 7,668 647 41,608 40,960 370 370 1,088 3,734 2,646 7,480 6,499 981 11 0 11 11 0 11 15

2018311,7560.57% 1.8% 18,000 2018/3 2017/3 1.6% 1.4% 1.2% 14,702 15,407 13,610 12,235 11,756 16,000 14,000 12,000 6,657 8,040 1,382 8,520 10,465 1,945 6,118 7,933 1,814 1,862 2,425 562 1.0% 0.8% 0.6% 0.4% 0.2% 0.0% 0.2% 0.73% 0.76% 0.66% 0.60% 10 0.57% 0.04% 14/3 2013 15/3 2014 16/3 2015 17/3 2016 18/3 2017 (2,000) 2018/3 2017/3 5,099 4,195 904 7,321 5,966 1,354 7,303 5,953 1,349 2,222 1,771 450 2018/3 2017/3 11,756 12,235 478 15,027 15,675 647 3,270 3,439 169 1 2 10,000 8,000 6,000 4,000 2,000 0 16

% 2018/3 2017/3 195,014,321 852,033 0.43 193,991,919 1,046,541 0.53 0.10 4,765,201 14,008 0.29 3,081,133 17,741 0.57 0.28 82,402,056 730,011 0.88 92,901,349 926,690 0.99 0.11 8,414,660 1,417 0.01 8,318,619 1,471 0.01 0.00 51,583,059 25,115 0.04 47,723,014 24,916 0.05 0.00 186,524,351 186,280 0.09 184,991,156 242,503 0.13 0.03 180,316,482 145,129 0.08 179,251,855 200,373 0.11 0.03 8,903,813 1,285 0.01 8,385,284 844 0.01 0.00 2018/3 2017/3 % 54,248,055 732,171 1.34 48,252,687 596,691 1.23 0.11 2,534 10 0.40 2,151 7 0.35 0.05 54,067,069 730,365 1.35 48,099,311 595,384 1.23 0.11 68,461 1,019 1.48 81,553 968 1.18 0.30 53,171,677 222,232 0.41 47,375,519 177,183 0.37 0.04 3,995,938 53,987 1.35 4,674,255 40,697 0.87 0.48 17

2018/3 2017/3 % 201,467,351 1,502,747 0.74 200,321,045 1,567,512 0.78 0.03 4,767,735 14,019 0.29 3,083,285 17,748 0.57 0.28 136,469,126 1,460,377 1.07 141,000,661 1,522,075 1.07 0.00 8,414,660 1,417 0.01 8,318,619 1,471 0.01 0.00 51,651,521 26,135 0.05 47,804,568 25,885 0.05 0.00 191,901,004 327,056 0.17 190,443,114 343,966 0.18 0.01 180,316,482 145,129 0.08 179,251,855 200,373 0.11 0.03 12,899,752 55,272 0.42 13,059,539 41,542 0.31 0.11 1 2 201832,772,85620173 2,646,250201832,772,856201732,646,250(201834,725 201734,779 3 2018314,46120173900 4 5 6 % 2018/3 2017/3 0.74 0.78 0.03 0.71 0.73 0.02 0.17 0.18 0.01 0.03 0.04 0.01 0.57 0.60 0.02 18

2018362.759.2 8.8 4.2% 2018/3 % 2017/3 % 1,392,012 67.0 1,387,924 66.9 4,088 627,497 30.2 688,049 33.2 60,552 1 171,526 8.2 170,704 8.2 822 592,988 28.5 529,170 25.5 63,818 6.1 2.9% 49.3 23.7% 207.7 62.7 30.2% 202,443 9.7 201,434 9.7 1,008 390,426 18.7 327,267 15.7 63,159 42,415 2.0 38,179 1.8 4,236 22,861 1.1 20,792 1.0 2,068 4.2 2.0% 59.2 28.5% 17.1 8.2% 61,455 2.9 40,641 1.9 20,814 2 493,146 23.7 512,133 24.7 18,987 3 88,306 4.2 93,056 4.4 4,749 2,077,335 100.0 2,071,934 100.0 5,400 1 2 3 19

2018337,744 2018/3 2017/3 314,589 10,035 383,169 14,565 2018/3 2017/3 1,122,457 37,699 1,046,092 45,661 1,080,835 19,120 1,007,913 32,821 336,457 11,299 334,875 13,207 202,119 3,753 200,785 13,351 390,426 2,658 327,267 4,350 151,831 1,408 144,985 1,911 5,687 1,853 41,622 12,892 38,179 10,986 22,861 12,620 20,792 10,586 18,761 271 17,386 400 113,265 44 75,533 1,680 37,744 43,981 20

2018/3 2017/3 29,103,961 958,146 35,317,430 1,373,826 6,213,469 415,679 44,618 115 44,618 115 2,322,529 37,283 2,889,963 70,626 567,433 33,342 32,433 8,144 64,911 11,981 32,478 3,836 32,433 8,144 64,911 11,981 32,478 3,836 31,458,923 1,003,574 38,316,923 1,456,549 6,857,999 452,974 2018/3 2017/3 28,790 396 5 28,785 396 48,444,750 1,273,206 47,622,031 1,518,522 822,718 245,315 33,645,763 1,129,996 33,487,558 1,320,778 158,205 190,782 6,405,190 62,426 6,037,606 90,906 367,583 28,479 229,998 233,998 4,000 8,163,797 80,783 7,862,867 106,837 300,929 26,053 59,609,979 638,419 53,169,316 1,763,647 6,440,663 1,125,228 20,211,925 375,390 20,078,556 1,335,157 133,368 959,766 39,042,659 265,830 32,726,722 435,050 6,315,936 169,220 108,083,520 1,912,022 100,791,353 3,282,169 7,292,166 1,370,147 1 2 3 20183568,75320173185,342 4 5 201820173 21

2018/3 2017/3 4,162,251 1,289,201 3,817,908 1,098,661 344,342 190,540 2,286,148 1,262,041 2,079,290 1,058,661 206,858 203,380 1,256,039 27,061 1,274,178 40,000 18,139 12,938 2 201831,088201733,734 2018/3 2017/3 6,341,492 110,021 4,498,510 195,410 1,842,981 85,389 4,925,816 117,531 2,971,988 37,723 1,953,827 79,808 59,257 3,014 82,803 10,351 23,546 7,337 11,326,565 4,495 7,553,302 168,039 3,773,263 172,535 1 2 2018/3 2017/3 3,774,473 4,398,134 623,661 22

9A95% BBB 7.95% A 11.51% 0.71% BBB 1.58% 0.39% BBB 4.20% BBB 0.11% 0.09% 1.21% 1.36% 0.50% 0.49% 0.05% 0.05% A 87.84% 1.20% 13.20% 16.83% 68.75% 14.38% 8.79% 73.11% 20183 199 1 1 2 3 23

2012/3 2013/3 2014/3 2015/3 2016/3 2017/3 2018/3 BPSP 184.2 5,734 187.4 5,921 190.5 5,731 194.2 5,599 196.5 4,804 197.5 4,330 198.9 4,384 BP BP 157.4 4,387 158.0 3,421 156.7 2,897 151.7 947 141.7 356 131.5 2,433 124.6 3,800-576 - 602-1,203-2,224-2,504-3,996-5,718 BP - 4,964-4,023-4,100-3,172-2,147-1,563-1,918 SP 26.7 1,346 29.3 2,499 33.7 2,834 42.4 4,651 54.8 5,160 66.0 6,764 74.2 8,185 24

20183179.8 180 176.6 177.7 177.8 179.4 179.8 2018/3 2017/3 73.7 67.9 5.7 14.4 13.0 1.3 170 58.9 54.5 4.3 0.3 0.3 0.0 105.9 111.2 5.2 160 8.6 10.0 1.3 97.2 101.2 3.9 0.1 0.1 0.0 1500 14/3 2013 15/3 2014 16/3 2015 17/3 2016 18/3 2017 179.8 179.4 0.4 25

2018/3 2017/3 964 866 98 591 591 0 97 93 3 ATM 92 72 19 16 18 1 190 105 84 66 69 3 44 42 1 9 15 5 12 11 0 7 8 1 20171 ATM 19ATM 201882719 1,4162018331 18,2982018331 ideco 2018420193 26

8,000 6,000 4,000 4,270 5,443 1,934 7,378 201741 1,300 201841 1,600 2,000 0 18,000 16,000 14,000 12,000 10,0000 16/3 2015 17/3 2016 18/3 2017 16,423 13,101 11,355 16/3 2015 17/3 2016 18/3 2017 ideco 20185747 20181NISA 8NISA2018 13 idecoa 201771 2017103 1 2 3 2018514 ideco 27

2018/3 2017/3 1,544 1,251 293 737,878 544,399 193,478 2018/3 2017/3 874 749 124 1,642,301 1,310,151 332,149 2018/3 2017/3 10,053 17,731 7,678 48,790 90,712 41,922 2018/3 2017/3 110,560 100,507 10,053 577,225 528,434 48,790 28

2018/3 2017/3 60 61 1 2018/3 2017/3 1,082 1,093 10 2018/3 2017/3 35,673 39,908 4,234 2018/3 2017/3 418,932 383,259 35,673 29

201831111428 12,000 2018/3 2017/3 11,000 10,950 11,136 10,640 10,540 10,428 1,264 1,232 32 1,033 1,011 22 8,389 8,543 154 10,000 5,981 6,124 143 56 83 26 9,000 605 661 56 774 764 9 10,428 10,540 111 8,0000 14/3 2013 15/3 2014 16/3 2015 17/3 2016 18/3 2017 30

2018/3 2017/3 126,471 12.12 123,212 11.68 3,259 103,370 9.91 101,128 9.59 2,242 23,101 2.21 22,084 2.09 1,016 838,925 80.44 854,369 81.05 15,444 598,116 57.35 612,465 58.10 14,349 5,679 0.54 8,371 0.79 2,691 60,538 5.80 66,166 6.27 5,627 12,670 1.21 12,388 1.17 282 55,621 5.33 50,702 4.81 4,918 37,446 3.59 35,306 3.34 2,139 19,088 1.83 19,124 1.81 36 11,015 1.05 12,631 1.19 1,616 17,673 1.69 16,362 1.55 1,310 21,074 2.02 20,848 1.97 225 77,462 7.42 76,470 7.25 991 1,042,860 100.00 1,054,053 100.00 11,193 122 % 31

20193202132019250 9,000 8,000 7,000 8,619 8,246 7,881 300 287 7,695 346 420 380 340 300 15/4/1 18/4/1 682 6,000 5,000 241 4,728 4,731 4,946 5,245 260 220 924 105 517 4,000 15/4/1 16/4/1 17/4/1 18/4/1 18,878 18,618 18,382 18,196 180 1 2018331 2 ALM 3 32

2018317.42% % 70 2018/3 2017/3 % 60 50 40 56.81 38.42 87,720 86,169 1,551 503,435 387,798 115,637 475,747 359,065 116,681 17.42 22.22 4.79 30 20 10 0 26.38 22.22 17.42 14/3 2013 15/3 2014 16/3 2015 17/3 2016 18/3 2017 % 2018/3 87,788 503,422 475,734 17.43 33

2018/3 2017/3 % 8,801,141 8,636,164 164,976 29,070 19,224 9,845 8,772,071 8,616,940 155,130 50,343,515 38,779,806 11,563,708 47,574,709 35,906,558 11,668,151 8 8 2,768,805 2,873,248 104,442 17.42 22.22 4.79 2018/3 2017/3 % 9,980 9,618 361 1,623 2,380 757 7,219 6,544 675 87,720 86,169 1,551 11.37 11.16 0.21 151%99% 34

2018/3 % 8,807,898 29,075 8,778,822 50,342,277 47,573,471 8 8 2,768,805 17.43 2018/3 % 9,980 1,623 7,219 87,720 11.37 1 151%99% 2 35

20193 2018315025 2019315025 20213 1 60 150 50 40 30 50 25 50 25 1 20 1 20183 2 20183 10 0 25 25 2017 18/3 2018 19/3 2018/3 2019/3 1,874 1,874 53.1% 72.0% 25% 20% 15% 10% 5% 0% 17.43% 11.85% MUFG Bank 15.29% SMBC 12.34% MUFG Bank/SMBC/ Tier1 6% 4% 2% 0% 4.16% 5.01% 5.01% 4.28% MUFG SMFG FG 1 MUFG/SMFG/FG 2 36

3. 20182020 37

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フロントライン 48

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Appendix 55

Visamijica Web mijica20181 ATM Web20182 20184 ATM 20171ATM 16 ATM 4 201796 2018129 56

20167LP 201833012 2018330 ➊ 2016/ 7 117 ➌ ➋ 2016/11 25 ➌ 2016/11 2 ➓ ➍ 2017/ 4 2 50 ➎ 2017/ 6 6 ➐ ➊ ➋ ⓬ ⓫ ➑ ➒ ➎ ➍ ➏ ➏ 2017/ 8 5 ➐ 2017/10 1 23 ➑ 2017/11 1 20 ➒ MBC Shisaku1 2017/12 2 20 ➓ 2018/ 3 5 ⓫ 2018/ 3 1 5 ⓬ 2018/ 3 3 57

20164 14,642 7,811 8,910 186 4,682 4,706 392 1,363 146 18 589 806 1,244 1,773 4,965 451 2,943 740 1,042 4,187 4,690 16/6 16/9 16/12 17/3 17/6 17/9 17/12 18/3 58

20164 1/3 59

1387 201841 12 99 86 138 2017420183 43 65 43 60

20165 61

2015 2016 2017 15 25 23 337 364 390 352 389 413 20214114 15% 12% 10.9% 11.5% 12.7% 14% 15% 12% 12.9% 14.7% 13.8% 9% 8.9% 9% 6% 3% 0% 15/4 16/4 17/4 18/4 21/4 / 6% 3% 0% 15/7 16/7 17/7 / 62

CSR 201763109 5 (t-co2) 80,000 60,000 40,000 70,191 60,472 51,706 0.06903 0.06297 0.06001 (kl/m2) 0.10 58,614 55,516 49,748 51,666 0.05295 0.05129 0.05044 0.05150 0.05 t-co2 1 kl/m 2 2 20,000 0 2010 2011 2012 2013 2014 2015 2016 0.00 8.8 4.7 11.8 3.1 1.7 2.1 1 2 Visa mijica 63

17.43% 2012/3 2013/3 2014/3 2015/3 2016/3 2017/3 2018/3 16,700 16,243 15,687 16,347 14,520 14,102 14,623 1 16,773 15,321 14,702 15,407 13,610 12,235 11,756 884 881 926 892 911 866 964 2 11,745 11,115 10,960 11,147 10,661 10,561 10,450 0 0 4,954 5,128 4,726 5,199 3,858 3,540 4,173 807 807 924 494 961 879 823 5,762 5,935 5,650 5,694 4,819 4,420 4,996 24 19 6 15 11 14 7 3,348 3,739 3,546 3,694 3,250 3,122 3,527 98,181 109,975 114,645 116,302 115,081 117,800 115,131 1,958,198 1,998,406 2,025,128 2,081,793 2,070,560 2,095,688 2,106,306 3 68.39% 66.04% 56.81% 38.42% 26.38% 22.22% 17.42% 4 12,796 12,922 12,963 12,889 12,905 12,965 13,009 4 6,006 5,818 5,699 5,523 5,223 4,902 4,612 5 313 468 419 383 367 465 542 4,996 3,527 1. 2. 3. 20143 4. 5. 4120193201841404 64

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