UFJ MUFG 2015 1 2015
MUFG MUFG 2015 1 IIRC *Who We Are MUFG 2015 2 CSR * 2010 Page 2 Who We Are MUFG MUFG MUFG10 2 MUFG 8 MUFG 10 Page 10 CEO 10 2015 4 CFO 10 CEO 18 CFO UFJ MUFG Report 2015
Page 22 24 24 28 32 36 40 44 2013 12 46 2008 Page 48 ICT CSR 50 54 56 59 60 64 65 66 68 70 ICT 71 CSR 76 78 78 5 79 2014 84 88 MUFG Report 2015 1
Who We Are MUFG MUFG MUFG Be the world s most trusted financial group 1. 2. 3. 1. Integrity and Responsibility 2. Professionalism and Teamwork 3. Challenge Ourselves to Grow http://www.mufg.jp/profile/philosophy/ 2 MUFG Report 2015
MUFG MUFG Report 2015 3
MUFG UFJ * UFJ UFJ UFJ UFJ UFJ * MUFG UFJ UFJ MUFG* * UFJ MUFG MUFG2019 Tier1 Tier1 2015 6 30 S&P Moody s Fitch R&I JCR MUFG A A2 A+ AA UFJ A+ A1 A AA AA UFJ A+ A1 A AA AA UFJ A A3 AA AA MUFG A+ A2 A BBB+ Baa1 A AA A1 A AA+ AAA 4 MUFG Report 2015
MUFG5 ALM 21% 18% 4% 30% 27% MUFG % 18 MUFG 15.68 12 6 12.62 11.14 8.0 6.0 4.5 9.0 7.0 5.5 10.0 8.0 6.5 11.0 9.0 7.5 12.0 10.0 8.5 Tier1 Tier1 0 2015 年 3 月末 ( 実績 ) 2015 年 3 月末 2016 年 3 月末 2017 年 3 月末 2018 年 3 月末 2019 年 3 月末以降 * * 20192015 6 5 MUFG Report 2015
MUFG9 5 * 1 1,100 UFJ UFJ ATM ATM ATM 553 410 143 * 2 90,000 327 229 98 223 149 74 ATM 53,500 ATM 4,800 ATM 3,700 ATM 45,000 2015 3 MUFG4,00040 2015 3 1 307.0 2 264.7 3 256.4 4 223.8 5 JP 164.3 6 HSBC 158.3 7 MUFG 153.3 * 2015 3 1 214.2 2 185.0 3 166.7 4 157.3 5 HSBC 114.8 6 MUFG 108.3 UFJ * MUFG Report 2015 6
* 1 MUFG 40 1,150 658 426 35 64 * 2 50,000 *1 UFJ UFJ UFJ 2015 3 *2 No.1 2.1 35.4 47.4 153.3 70.4 41.0 7.9 * 109.4 15.8 42.4 * 2015 3 MUFG Report 2015 7
Who We Are MUFG 10 MUFG10 2005 2006 2007 2008 2009 2010 2005 20,000 円 2.0% 6,000 百万株 15,000 円 1.5% 4,5000 百万株 2006 UFJ UFJ 2004 8 2005 10 UFJ MUFG UFJ UFJ 2008 2007 UFJ UFJ 909,000 Aberdeen Asset Management 2010 UFJ MUFG 2011 AMP MUFG 10 10,000 円 1.0% 3,000 百万株 5,000 円 0.5% 1,500 百万株 2005 2006 2007 2008 2009 2010 7,054 98 8 MUFG Report 2015
2011 2012 2013 2014 2015 2012 2014 2012 4 UFJ 2013 UFJ ASEAN Butterfield Fulcrum Group UFJ UFJ PB 2015 2 UFJ MUFG 2011 2012 2013 2014 2015 175 32 2 2020 NISA 8% 10 0.2% 2 MUFG Report 2015 9
CEO 10 10 MUFG10 10 CEO 1 10 10 2 3 3 10 4 10 MUFG Report 2015
1 10 10 MUFG 10 9,000 No.1 No.1 No.1 4 UFJ M&A10 MUFG Report 2015 11
CEO MUFG 401,150 14 5 324 4,00040 10 3 *4 24% 39% 2011 2014 * 12 MUFG Report 2015
2 3 3 2014 3 MUFG 10%2 MUFG UFJ UFJ 3 No.1* * Project Finance International MUFG Report 2015 13
CEO Tier1 2019 3 3 1 2 2012 2014 2011 2014 2014 * 1 1 448 201120% 1 5,228 46% 56.9% 50% 61.1% 2 50.4% 50% 54.8% RORA* 2 0.8% 0.9% 0.92% ROE* 2 7.75% 8% 8.74% Tier1* 3 9% 9.5% 12.3% 9.6%* 4 *1 *2 2011 *3 2019 3 *4 14 MUFG Report 2015
3 10 10 MUFG 10 3 10 ICT * 1 MUFG MUFG 10 * 2 & ICT *1 ATM *2 MUFG Report 2015 15
1 CEO 4 10 5 MUFG 3 3 7 4 2015 2017 2 3 4 ROE 5 G-SIFIs* 1 1 2 3 CIB* 2 4 5 6 7 1 2 3 4 MUFG *1 *2 Corporate Investment Banking 16 MUFG Report 2015
2015 7 MUFG MUFG CEO MUFG Report 2015 17
CFO 2015 7 CFO ROE 1EPS % 10 5 4.92 4.9 6.89 6.6 7.75* 2 8.77 9.05 8.74 7.4* 2 8.0 8.1 7.4 80 60 40 29.57 39.95 47.55*2 58.99 68.29 73.22 20 0 3.97 4.0 5 2008 2009 2010 2011 2012 2013 2014 0 20 40 25.04 2008 2009 2010 2011 2012 2013 2014 MUFG* 1 *1 MUFG { } 2 100 *2 ROE10.6% ROE MUFG11.10% EPS 68.09 18 MUFG Report 2015
1 C F O 2014 1 6,449 1,808 1,078 489 1 337 9,500 MUFG P.78 1 EPS ROE 2017 2014 15% 8% 60% Tier1* 9.5% * 2019 3 1 EPS EPS 3 15% P.14 MUFG ROE 3 MUFG Report 2015 19
CFO 2 MUFG MUFG 3 1 1 20 15 10 40.6 30.0 25.2* 22.0 23.4 24.6 26.6 12 12 12 13 16 18 18 6 6 6 7 9 9 9 MUFG 5 6 6 6 6 0 2009 2010 2011 2012 2013 2014 2015( 予想 ) 11 1 % * 2011 7 9 9 MUFG G-SIFI 2014 2019 3 M&A M&A ROE Tier1Tier1 Tier2 2014 DEALWATCH AWARDS 2014 Bond of the Year 20 MUFG Report 2015
3 C F O MUFG MUFG MUFG 2014 MUFG P.60 M&A 2012 UFJ PB AMP Capital Holdings Limited 2013 Butterfield Fulcrum Group UFJ MUFG Report 2015 21
MUFG 24 * 24 28 32 36 40 44 46 * 22 MUFG Report 2015
MUFG Report 2015 23
* 30% 1 3,113 * 5 39% 24% 15% * 11% 1% 10% * 2014 1 3,113 1% 3,471 4% 1% 150 1 3,113 4% 127 3,471 14,000 12,000 5,000 4,000 10,000 0 2012 2013 2014 3,000 0 24 MUFG Report 2015
0 MUFG 2014NISA NISA 900 700 500 475 791 * 28 27 27 1,950 1,934 26 1,900 25 25 1,850 2,000 1,975 0 2013 年度末 2014 年度末 2013 年度末 2014 年度末 0 2013 年度 2014 年度 * UFJ UFJ UFJ UFJ 5,500 5,000 4,852 5,118 4,500 0 2013 年度 2014 年度 7.5 7.0 7.1 6.8 165 160 162 160 6.5 155 0 2013 年度末 2014 年度末 0 2013 年度 2014 年度 MUFG Report 2015 25
MUFG ICT 1065 3 ICT MUFG % 100 75 50 25 20 20 64 30% 65 0 08 10 12 14 16 18 20 22 24 26 MUFG Report 2015
*2 *1 2015 2017 NISA 3,406 17% 27 24% 33 2014 年度 2017 年度 ( 計画 ) 2014 年度末 2017 年度末 ( 計画 ) *1 2015 1115 *2 UFJ UFJ UFJ FOCUS MUFG MUFG Report 2015 27
* 22% 9,652 * 5 37% 33% 19% 11% 2014 9,652 4% 5,171 7% 4% 412 9,652 7% 316 5,171 10,000 9,000 8,000 6,000 5,000 4,000 0 2012 2013 2014 0 28 MUFG Report 2015
M&A 5% 2.1 * 50 * 40 39.5 41.2 43.2 10,000 9,500 9,000 9,240 278 +98 +515 +78 9,652 30 0 2013 年度 2014 年度 0 2012 2013 2014 M&A MUFG M&A2 2013 1 M&A* 2014 4 2015 3 1 29,659 2 UFJ 26,897 3 24,477 Thomson ReutersUFJ * UFJ 2014 2014 12 1 MUFG 16,227 2 SMBC 13,451 3 Mizuho Financial 9,848 Project Finance International P.76 77 MUFG Report 2015 29
MUFG M&A M&A MUFG 30 25 20 15 10 5 0 01 02 03 04 05 06 07 08 09 10 11 12 13 30 MUFG Report 2015
2014 年度 2017 年度 ( 計画 ) 2014 年度 2017 年度 ( 計画 ) 2015 2017 1 2 3 4,932 FOCUS MUFG UFJ UFJ MUFG 5% * 2015 1115 CEO 14.3 5% 15.0 * R&D Rise Up Festa* IPO M&A * Rise Up Festa P.76 MUFG Report 2015 31
* * 30% 1 3,513 * 5 * 50% 22% 18% 10% 2014 1 3,513 43% 5,886 56% 43% 4,075 1 3,513 56% 2,116 5,886 33% 10 40.8 38% 7.3 26.5 First Call Bank 15,000 9,000 2014 50 40 40.8 10,000 5,000 6,000 3,000 30 20 10 26.5 0 2012 2013 2014 0 0 32 MUFG Report 2015
2,000 1,358 313 1,671 521 3,000 2,588 2,068 1,000 1,500 0 2013 年度 2014 年度 0 2013 年度 2014 年度 700 656 3 653 1,500 1,166 600 1,000 500 0 2013 年度 2014 年度 0 2014 年度 CIB 2014 1,166 TOPICS 10 2014 7UFJ MUFG MUFG 13 2014 9 10 MUFG Report 2015 33
First Call Bank MUFG GDP 2010GDP 100 MUFGUFJ 300 MUFG 250 MUFG MUFG 200 150 100 0 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 IMF World Economic Outlook April 2015 34 MUFG Report 2015
2014 年度 2017 年度 ( 計画 ) 2014 年度 2017 年度 ( 計画 ) 2015 2017 1 2 3 * * 24% 40% 2,700 4,831 2,170 * 1 * 2 * 3 *1 *2 & *3 M&A * 2015 1115 FOCUS ICT MUFG 2015 5UFJ MUFG MUFG MUFG Report 2015 35
* 4% 1,722 * 5 39% 26% 10% * 15% 10% * MUFG 2014 1,722 8% 701 8% 8% 125 1,722 8% 51 701 2,000 1,500 1,000 500 1,000 750 500 250 0 2012 2013 2014 0 36 MUFG Report 2015
14.7 UFJ DC DC DC 20 16.5 5 15 10 5 2.8 1.7 3.0 1.9 4 3 2 0 2013 年度末 2014 年度末 0 DC DC UFJ 18 12 41.9 11.6 12.9 50.0 50 40 6 30 0 2013 年度末 2014 年度末 0 Meridian Holdings Limited 2013 Butterfield Fulcrum Group UFJ Meridian Holdings Limited 100 75 50 25 80.1 93.9 0 2013 年度末 2014 年度末 TOPICS MUFGUFJ MUFG Report 2015 37
IS AM MUFG IS AM MUFG IS AM 120 100 80 60 40 20 0 2004 2007 2012 2020 PwC 2020 38 MUFG Report 2015
2015 2017 * 680 13% 1,230 2.9 3,530 2014 年度 2017 年度 ( 計画 ) 2014 年度末 2017 年度末 ( 計画 ) * 2015 1115 FOCUS UFJ 2015 7 1 UFJ UFJ No.1 50 emaxis UFJ MUFG Report 2015 39
ALM* * * 14% 6,094 & ALM 47% 53% * 5 2014 6,094 8% 4,181 8% 8% 462 6,094 8% 314 4,181 & MUFG 8,000 6,000 4,000 2,000 0 2012 2013 2014 40 MUFG Report 2015
1,147 ALM 2014 MUFG * % 4 22,000 10,000 8,708 3 19,000 8,000 6,000 2 16,000 4,000 1 13,000 2,000 0 2013 年 3 月 2014 年 3 月 2015 年 3 月 2,000 2013 年度末 2014 年度末 * & 3 2014 & 5,000 4,500 3,990 4,000 3,552 3,500 4,610* 0 2012 2013 2014 * TOPICS J-MONEY9 1 UFJ J-MONEY 9 1 MUFG Report 2015 41
事業本部別戦略 市場 長期的にめざす姿 市場事業本部 市場業務のグループ一体的な運営により 市場にお 長期的にめざす姿 けるMUFGブランドのプレゼンス強化をめざします MUFG の方針 事業環境 アジアを中心に経済活動が アジアを中心とする 活発化 マネーフローの増加 企業活動のボーダレス化の お客さまニーズの多様化 進展 金融規制やコンプライアンス 国際的な金融規制の強化 の重要性の増加 グループ一体的な運営による セールス &トレーディング業務の強化 国内外 外貨 円貨一体でのバランス シートマネジメントの高度化 想定される事業環境と経営方針 アジアを中心とする経済成長および企業の経済活動の に相応しい管理態勢を構築するとともに 三菱東京 UFJ 活発化により クロスボーダーの商流やマネーフローは今 銀行と三菱 UFJ 証券ホールディングス傘下の国内外の証券 後も増加することが見込まれます 子会社の一体的な運営により セールス&トレーディング業 一方 2008年の世界金融危機以降 世界各国で金融機 務を強化します そして 日本およびアジアマーケットを中 関のリスク管理に対する規制が強化されているほか 市場 心に MUFG ブランドのプレゼンス強化をめざしていきます 業務のコンプライアンス目線も高まっており これらに対応 する人材やシステムインフラの確保などが重要になって アジアを中心とするマネーフローの増加イメージ います グループ一体的な ALM に このような環境下 MUFG は より G-SIFIs グローバルにシステム上重要な金融機関 アジアの経済成長 クロスボーダーの 商流 マネーフローの拡大 42 MUFG Report 2015
MUFG 2015 2017 1. & 2. 3. UFJ UFJ & &* ALM 11% 5,500 4,950 2014 年度 2017 年度 ( 計画 ) * 2015 1115 FOCUS MUFG MUFG & MUFG Report 2015 43
ASEAN* 2013 12MUFG 2015 1 UFJ * สว สด ค ะ 70 At a Glance 658 21,000 658 21,000 6 70 6 5 1 1 2015 3 31 * 2012 2013 2014 61,188 68,275 70,760 30,391 34,883 36,460 14,625 11,864 14,170 1,071,965 1,179,606 1,211,362 830,008 943,502 1,012,761 687,159 764,050 837,556 * 13.69 2015 3 31 4.6 43% 17% 40% 2015 3 31 44 MUFG Report 2015
UFJ 2015 1 UFJ MUFG MUFG 2015AEC ASEAN MUFG UFJ UFJ UFJ On Going Initiatives in the Market 2014 9 50 80 655 3 36 93 283 86 70 MUFG UFJ UFJ 87 MUFG Report 2015 45
2008 10 MUFG MUFG 4,000 2,000 3,152 3,000 2,655 2,314 1,500 2,000 883 748 1,000 1935 9 16 55,802 43 967 8,020 2 757 www.morganstanley.com Twitter @morganstanley 2014 12 31 1,000 360 500 0 2013 2014 2015Q1 1 1 12 31 MUFG 4 13 31 0 2008 10 2009 6 2010 5 2014 3 MUFG UFJ UFJ 909 Loan Marketing MUMSS PB MUMSPB Joint Venture LMJV MUFG MSMS 46 MUFG Report 2015
MUFG MUMSS MSMSMUFG M&A MUFG UFJ MUMSPB UFJ UFJ MUMSS 100% 60% 22% 40% 49% 51% MUFG MSMS & 2014 160MUMSS IPO 2014 2,138 IPO MSMS MUMSS UFJ 1,200 1,149 & 900 75% UFJ PB MUMSPB 600 300 410 287 510 0 2009 2014 4 13 31 LMJVMUFG MUFG AbbVie Pharmacyclics200 2015 3 4 MUFG AbbVie MUFG MUFG IT MUFG MUFGCEO CEO MUFG Report 2015 47
ICT CSR 50 54 56 59 60 64 65 66 68 70 ICT 71 CSR 76 48 MUFG Report 2015
MUFG Report 2015 49
MUFG 2015 6 2015 6 23 UFJ MUFG 2005 10 2013 2014* 3 5 5 2014 19 95 21 97 7 12 4 15 * P50-P57 50 MUFG Report 2015
2005 10 MUFG 2013 6 2014 6 2015 6 2005 4 2006 3 2012 2 3 5 7 2005 2005 2008 2005 2005 MUFG MUFG 1. MUFG 2. 3. 4. 5. 31 UFJ UFJUFJ 6. 7. 8. 9. 10. MUFG http://www.mufg.jp/profile/governance/structure/policy.html MUFG Report 2015 51
MUFG 2015 6 G-SIFI MUFG MUFG C-Suite C-Suite CFO CRO MUFGC-Suite C-Suite G-SIFI * C-Suite * 52 MUFG Report 2015
17 7 31 179 * CEO * UFJ 25 2016 6 MUFG Report 2015 53
MUFG * 1988 1995 19992004 2013 6 UFJ Q. MUFG A. MUFG 2 * UFJ 25 2016 6 54 MUFG Report 2015
2 2015 MUFG Q. MUFG A. MUFG MUFG Report 2015 55
1 2 3 4 5 6 7 8 9 10 2015 1 CEO CFO 1 UFJ 19762012 20142015 6 2 UFJ 19772013 UFJ 2015 6 UFJ 3 UFJ UFJ 19762011UFJ 2014UFJ UFJ UFJ 2015 6 4 UFJ 19742012UFJ 2013UFJ 2015 6 COO 5 19792014UFJ 2015 5 UFJ 6 CSO 6 19812014UFJ UFJ 2015 6 UFJ 7 19822013UFJ 2014UFJ 2015 6 UFJ CRO 8 19832014UFJ 2015 6 UFJ 9 19802012UFJ 2013 6UFJ 2015 6 10 19822012UFJ UFJ 2015 6UFJ 56 MUFG Report 2015
11 12 13 14 15 16 17 * 11 19821986 1988 2001 2004 2006 2013 UFJ 12 1995 2000 2002 2012 2013T&D 2014 UFJ 13 19692005 UFJ 2011 2014 6 UFJ 14 J. 19641997 2003 2007J. 2010 2014 2014 UFJ 15 1972 2003 2007 2008 2009 2015 6 2015 6UFJ 16 19692007 2009 2013 2014 UFJ 2015 6UFJ 17 1977 19831991 PriceWaterhouse2000 Pricewaterhouse Coopers 2006 20132013 2015 6UFJ * UFJ 25 UFJ 2016 6 MUFG Report 2015 57
2015 7 3 * CEO COO CSO CFO CRO CIO CHRO CCO CLO CAO * 215 CDO 58 MUFG Report 2015
MUFG 2015 7 1 3 4 6 1 2 5 Mr. John C. Dugan 1 C Lord (James) Sassoon, Kt 2 Dr. Victor K Fung 3 K Associate Professor Simon S. C. Tay 4 SC Ambassador John V. Roos 5 V Dr. Gertrude Tumpel-Gugerell 6 2015 7 1 MUFG Report 2015 59
2008 MUFG MUFG MUFG * * MUFG ROE RORA Tier1 RWA 60 MUFG Report 2015
MUFG 1 2 3 4 5 6 MUFG Report 2015 61
MUFG 1 23 1 MUFG 2 III 2 3 MUFG 3 MUFG 1 MUFG * MUFG 2015 3 * P.47 62 MUFG Report 2015
MUFG 2013 MUFG MUFG MUFG MUFG MUFG Report 2015 63
MUFG UFJ UFJ UFJ UFJ 3 3 CCO 3CCO CCO * UFJ CCO CCO * P.67 70 64 MUFG Report 2015
MUFG MUFG MUFG MUFG UFJ MUFG 65 MUFG Report 2015
2008 MUFG 2007 2008 2010 2013 2019 2015 LCR 2016 NSFR 2010 3 LCR NSFR LCR NSFR 1 G-SIBs G-SIBs Global Systemically Important Banks FSB G-SIBs 2016 1.0 3.5%MUFG 2019 1.5% 5 3.5% 4 HSBC 2.5% JP 3 2.0% BNP 2 1.5% UFJ 1 1.0% 18 66 MUFG Report 2015
MUFG 2019 3 2015 3 MUFG 2019 3 MUFG 2015 3 2015 3 2019 3 Tier1 11.14% 4.5% 8.5% Tier1 12.62% 6.0% 10.0% 15.68% 8.0% 12.0% 124.60%* 60.0% 100.0% * 2015 6 MUFG = * * * * * * * MUFG Report 2015 67
14 MUFG MUFG MUFG MUFG 14 68 MUFG Report 2015
MUFG Values TalkMUFG 2014 7 MUFG MUFG MUFG CFA 2007 MUFG UFJ UFJ 150 MUFG 40 1,150 UFJ Global Leaders Forum Leadership Enterprise-wise Accelerated Development Global Rotation Training Program 1 OJT Global Talent Committee MUFG 2015 7 MUFG Report 2015 69
ICT Fintech Challenge 2015 ICT MUFG MUFG ICT AI ICT MUFG ICT ICT UFJ ICT Fintech Challenge 2015 NAO UFJ NAONAO 58cm ATM AI NAO 19ATM AI IBM Watson UFJ WatsonAI Web 70 MUFG Report 2015
CSR MUFGCSR CSR http://www.mufg.jp/csr/ MUFGCSR CSR MUFG MUFG MUFG 3 1 3 2 3 MUFG CSR 1 MUFG Report 2015 71
CSR MUFG 562 * 26.2* 26.2 * 2014 4 2015 3UFJ UFJ UFJ UFJ 5 MUFG CSR UFJ UFJ UFJ UFJ UFJ 72 MUFG Report 2015
2 MUFG TOMODACHI UFJ UFJ MUFG MUFG UFJ 5 20147310 MUFG Report 2015 73
CSR MUFG 30 1,500 TOMODACHI TOMODACHI MUFG 2014 26 MUFG Gives Back MUFG Gives Back 2013 2014 30100 5,000 UFJ TECHO 3 * * http://www.mufg.jp/csr/juten/sustainability/sekidou/ ESG 74 MUFG Report 2015
2 MUFG 2014 2 * * Bloomberg New Energy Finance UFJ 369.5 68.8 210MW20 40 CO2 4 UFJ R&D30 2 2MW 10MW 2 1,800 4,800 CO2 UFJ 201450 UFJ 995kW2015 1 18 600 kwh 1,100 3,835 CO2 MUFG Report 2015 75
MUFG MUFG Rise Up Festa MUFG 2015 4 3 37 Business Link 2005 2015 1 12 Business Link MUFG 4,20010,000 UFJ 260,000 2015 3 UFJ UFJ 76 MUFG Report 2015
MUFG UFJ 30 6 UFJ UFJ 4 6 2013 3,000 UFJ 2014 UFJ 22 218 2 2 6 1 1 PICK UP UFJ 2015 2 420 MUFG Report 2015 77
5 2010 2011 2012 2013 2014 83.15 82.19 94.05 102.92 120.17 35,225 35,020 36,342 37,534 42,290 20,200 18,405 18,168 18,786 21,816 1,004 969 951 1,084 1,114 9,794 9,642 10,422 11,603 13,086 1,037 2,255 2,882 3,620 3,529 3,189 3,747 3,917 2,440 2,743 2,213 2,703 3,367 1,428 1,151 20,208 19,945 20,950 22,893 25,841 57.3% 56.9% 57.6% 60.9% 61.1% 15,016 15,074 15,392 14,641 16,449 3,541 1,934 1,156 (118) 1,616 1,742 1,345 653 (351) 711 (571) (886) (536) 1,445 931 137 (94) 336 1,575 979 (709) (792) (873) (129) (48) 113 3,775 520 1,124 1,596 (3,851) (1,308) (777) (382) (230) 6,464 14,719 13,441 16,948 17,130 (68) (238) 96 (1,517) (982) 1,754 3,764 3,957 4,399 4,677 27.4% 25.9% 29.2% 28.5% 28.9% (1,190) 902 1,053 1,181 1,132 5,830 9,813 8,526 9,848 10,337 2,062,270 2,188,616 2,344,987 2,581,319 2,861,497 799,950 844,926 912,995 1,019,389 1,093,683 710,236 782,647 795,268 745,155 735,381 1,954,126 2,071,858 2,209,790 2,430,190 2,688,622 1,241,443 1,247,892 1,316,970 1,447,602 1,533,574 109,610 129,806 148,550 155,481 160,738 108,144 116,757 135,196 151,128 172,875 91,049 99,095 105,783 113,462 113,286 47,996 56,023 62,679 70,331 78,604 (1,560) 834 11,582 17,097 39,892 18,582 16,748 17,741 20,481 19,613 Tier 1 CET1 * 1 11.70% 11.25% 11.14% Tier 1* 1,2 11.33% 12.31% 12.74% 12.45% 12.62% * 1,2 2010 2011 14.89% 14.91% 16.68% 15.53% 15.68% 1DPS 12.0 12.0 13.0 16.0 18.0 30.0% 17.6% 22.0% 23.4% 24.6% 1BPS ( 604.58 678.25 800.95 893.77 1,092.75 1EPS 39.95 68.09 58.99 68.29 73.22 ROE MUFG 6.89% 11.10% 8.77% 9.05% 8.74% ROE 6.55% 10.60% 7.96% 8.05% 7.38% 141.41 141.44 141.55 141.61 140.17 384 412 558 567 743.7 * 3 5.4 5.8 7.9 8.0 10.4 PBR* 3 0.64 0.61 0.70 0.63 0.68 PER* 3 9.6 6.1 9.5 8.3 10.2 *1 *2 2010 2011 *3 78 MUFG Report 2015
GDP 2014 2014 ASEAN 2% 2014 10 2015 1 100.1% 2014 9,000 % 15 10 5 0 5 10 2011 2012 2013 2014 2015 UFJ % * 2.0 1.5 1.0 0.5 0 0.5 1.0 1.5 2011 2012 2013 2014 2015 * UFJ GDP * 90 80 70 60 0 2008 2009 2010 2011 2012 2013 2014 2015 2016 * 2005 2015 UFJ MUFG Report 2015 79
2014 +2,447 4,755 4 2,290 +1,369 2,947 2 5,841 1,808 1 6,449 1,078 UFJ BTMU UFJ MUTB 547 1,735 1,616 514 931 BTMU MUTB 1,596471 151 181 1 7,130 BTMU 370 332982 2013 UFJ 1,101 535 489 1 337 3,212 12,000 8,000 * 2,906 5,830 9,813 2,852 8,526 5,621 9,848 10,337 4,550 4,546 * 1 MU MUSHD 124 509 MUAH* 2 382 892 51 MUFG 10,337 503 489 748 3,212 1,229 4,000 3,887 2,477 2,569 920 1,409 0 2,263 3,567 4,054 2,904 5,302 5,787 BTMU 5,717 MUTB 1,407 2 7,125 740 3,489 4,000 2008 2009 2010 2011 2012 2013 2014 2014 年度 * *1 *2 MUFG Americas Holdings Corporation 80 MUFG Report 2015
2008 2009 2010 2011 2012 2013 2014 2,1241 6,754 * 39% 9 * * MUFG 1 201419 9 18 16 2 ROE 2014 111,000 14,631 3,867 649 3,770 16,754 4,181 701 1,166 4,719 2,569 40.6% 3,887 30.0% 5,830 25.2%* 6,906* 22.0% 8,526 23.4% 9,848 24.6% 10,337 18 2013 年度 2014 年度 * 4,855 3,344 1,854 * 1,166 51 5,171 3,471 2,655 314 801 16,754 2,000 1,000 0 12 5 7 12 6 12 12 6 6 % 1 1 * 2011 13 7 6 6 6 6 16 9 7 9 9 127 14,631 316 949 2,610 99,999,965,771 148,595,500 2014 11 17 2014 12 18 2015 3 31 14,168,853,820 148,872,202 2013 年度 2014 年度 * MUFG Report 2015 81
2014 2015 3 2014 3 2,861,497 2,581,319 2014 3 [ ] 280,178 [+10.9%] 404,883 239,698 165,184 1,093,683 1,019,389 74,294 424,567 413,128 11,439 158,791 163,477 (4,685) 410,435 339,070 71,364 735,381 745,155 (9,773) 63,236 49,982 13,254 352,106 406,499 (54,392) 235,715 214,318 21,396 3,091 5,526 (2,435) 2,688,622 2,430,190 258,431 [+10.6%] 1,533,574 1,447,602 85,971 2 1,373,323 1,321,216 52,106 704,151 688,672 15,478 474,491 457,245 17,245 189,583 170,052 19,531 172,875 151,128 21,746 [+14.4%] 113,286 113,462 (176) 14,284 21,743 (7,459) 78,604 70,331 8,272 39,892 17,097 22,795 28,350 12,183 16,166 9,515 4,072 5,443 19,613 20,481 (867) 2,639 1,000 3,900 2014 3 176 11 3,286 2 2,795 3 9,892 2014 3 7 4,294109 3,683 * 1 120 109.4 102.0 102.6 2.1 91.4 95.3 1.8 1.8 1.7 1.9 90 25.4 28.3 33.9 35.5 41.0 7.2 60 40.3 30 8.2 40.4 8.6 41.3 7.6 41.5 7.9 42.4 16.5 16.3 16.3 15.9 15.8 0 2013/3 末 2013/9 末 2014/3 末 2014/9 末 2015/3 末 *1 *2 MUAHBTMU BTMU *3 * 2 * 3 / 2014 3 0.251.16% *1 *2 2014 3 8 5,971153 3,574 2 2.0 1.5 1.0 0.5 0 200 150 100 50 1.80 * 1.57 1 (%) 1.41 [ ] 1.61 1.18 1.16 1.44 1.31 * 2 1.69 1.10 1.09 0.13 1.52 1.41 0.12 0.09 1.20 1.22 0.08 0.08 1.00 0.88 0.84 0.66 0.57 0.55 0.51 0.47 0.45 0.56 2013/3 末 2013/9 末 2014/3 末 2014/9 末 2015/3 末 / 131.6 136.1 20.7 43.6 24.9 43.1 67.3 68.0 144.7 144.1 30.1 45.7 68.8 29.6 45.1 69.2 153.3 35.4 47.4 70.4 0 2013/3 末 2013/9 末 2014/3 末 2014/9 末 2015/3 末 / 82 MUFG Report 2015
2015 2014 3 9,773 73 5,381 3 2014 9 2014 9 Tier1 11.14% 10.97% 0.16% Tier1 12.62% 12.21% 0.40% 15.68% 15.39% 0.28% 2014 3 2 2,632 4 1,332 Tier1 141,303 127,261 14,042 5 5 3.2 Tier1 124,666 114,358 10,308 35,699 35,809 (110) 78,604 75,310 3,293 15,957 4,486 11,470 Tier1 16,637 12,903 3,734 12,602 13,260 (657) 2015 3 2014 3 2015 3 2014 3 693,362 (23,857) 41,332 22,632 57,213 13,372 29,300 13,703 365,202 (66,034) 3,263 1,035 5,709 2,033 3,675 Tier2 34,219 33,130 1,089 19,449 20,399 (950) 11,085 9,973 1,112 Tier1 Tier2 175,523 160,391 15,131 340,844 (63,505) 2,734 1,057 270,946 28,804 8,768 7,894 1,119,015 1,041,601 77,413 1,914 (261) 584 (232) 982,922 885,300 97,622 225,649 19,650 5,973 6,503 25,117 28,359 (3,242) 43,382 9,415 2,209 1,622 66,446 60,726 5,720 44,528 67,215 (22,686) 2* 50 40 30 20 48.5 1.6 6.8 3.2 26.2 41.1 40.4 0.5 0.7 39.6 5.5 5.3 2.1 5.0 2.7 21.4 2.5 19.3 2.8 16.1 35.1 3.2 2.5 5.7 14.1 5 4 3 2 Tier1 2014 9 1 308 1 5,131 10 13.8 13.5 14.9 16.2 12.7 1 0 2013/3 末 2013/9 末 2014/3 末 2014/9 末 2015/3 末 / 1 15 510 10 * 7 7,413 Tier1 11.14% Tier1 12.62% 15.68% 2019 3 Tier1 12.3% MUFG Report 2015 83
2014 2013 2014 2013 40,488,318 23,969,883 604,625 826,851 7,342,335 7,237,125 4,633,544 4,181,660 4,570,712 3,972,145 20,810,617 19,055,354 700,218 583,692 73,538,191 74,515,573 109,368,340 101,938,907 2,187,311 2,040,406 10,119,936 8,809,286 1,352,727 1,540,031 333,430 328,200 744,416 744,755 11,181 14,096 35,774 27,605 227,924 425,372 1,297,277 1,483,352 552,345 472,777 309,119 552,655 730 924 435,082 456,995 504,761 460,836 114,919 130,654 9,511,714 8,324,668 (995,784) (938,483) 153,357,410 144,760,294 16,073,850 15,548,170 3,600,104 3,465,414 21,899,506 21,626,590 8,205,350 5,534,643 2,179,634 1,473,631 15,521,917 13,964,961 13,866,196 10,828,601 1,496,476 1,109,198 789,512 435,808 8,141,713 7,165,577 3,183,295 1,945,151 9,530,371 5,965,086 90,360 78,987 454 627 62,121 51,651 1,086 1,201 15,375 13,541 204,790 247,351 3,771 2,853 988,550 320,014 138,669 155,026 9,511,714 8,324,668 268,862,234 243,019,051 2,141,513 2,140,488 1,428,403 2,174,384 7,860,410 7,033,125 (101,661) (1,699) 11,328,666 11,346,299 2,835,091 1,218,397 83,194 8,295 172,350 157,776 951,547 407,229 (52,909) (81,937) 3,989,274 1,709,760 8,271 8,732 1,961,322 2,048,101 17,287,533 15,112,895 286,149,768 258,131,946 286,149,768 258,131,946 84 MUFG Report 2015
2013 2014 4,229,501 3,753,023 4,229,030 3,753,494 2,181,637 1,878,632 111,916 107,935 471 (471) 1,308,604 1,160,336 352,950 362,056 274,393 244,062 115,162 142,889 2,584,104 2,289,375 17,787 36,830 1,662,713 1,500,949 1,644,925 1,464,119 (86,849) * 1,558,547 1,463,648 154,454 231,171 (141,486) (133,399) (144,845) (125,989) 17,700 (14,342) (7,409) 86,543 1,504 64,735 59,208 93,109 144,573 114,477 171,653 (16,532) (14,100) (4,836) (12,979) 159,637 112,470 (23,045) (38,224) 1,713,001 1,694,820 (98,244) (151,789) (11,487) (126,924) (23,648) (790) (37,097) (24,537) 1,614,757 1,543,030 421,941 349,531 45,845 90,456 467,786 439,988 1,146,970 1,103,042 113,211 118,196 1,033,759 984,845 * 2014 2013 (161,624) 11,881 2014 2013 1,146,970 1,103,042 1,595,505 20,135 77,367 (37,316) 14,149 (166) 442,466 387,126 27,734 27,880 150,891 208,366 2,308,260 605,881 3,455,231 1,708,923 3,313,220 1,588,609 142,011 120,314 MUFG Report 2015 85
2014 2,140,488 2,174,384 7,033,125 (1,699) 11,346,299 1,218,397 8,295 (346,454) 57,909 (288,545) 2,140,488 1,827,929 7,091,035 (1,699) 11,057,754 1,218,397 8,295 1,024 1,023 2,048 (263,959) (263,959) 1,033,759 1,033,759 (490,045) (490,045) 68 82 150 (390,000) 390,000 (424) (424) (10,617) (10,617) 1,616,693 74,898 1,024 (399,526) 769,374 (99,962) 270,911 1,616,693 74,898 2,141,513 1,428,403 7,860,410 (101,661) 11,328,666 2,835,091 83,194 157,776 407,229 (81,937) 1,709,760 8,732 2,048,101 15,112,895 (219) (152) (371) (14,360) (303,277) 157,776 407,010 (82,090) 1,709,388 8,732 2,033,741 14,809,617 2,048 (263,959) 1,033,759 (490,045) 150 (424) (10,617) 14,574 544,537 29,180 2,279,885 (461) (72,419) 2,207,004 14,574 544,537 29,180 2,279,885 (461) (72,419) 2,477,916 172,350 951,547 (52,909) 3,989,274 8,271 1,961,322 17,287,533 2013 2,139,378 2,172,930 6,267,976 (1,929) 10,578,356 1,207,963 45,146 1,109 1,108 2,217 (216,183) (216,183) 984,845 984,845 (51) (51) 346 281 627 2,010 2,010 (3,534) (3,534) (1,988) (1,988) 10,433 (36,850) 1,109 1,454 765,149 230 767,943 10,433 (36,850) 2,140,488 2,174,384 7,033,125 (1,699) 11,346,299 1,218,397 8,295 159,952 (195,421) (59,379) 1,158,261 8,884 1,774,153 13,519,655 2,217 (216,183) 984,845 (51) 627 2,010 (3,534) (1,988) (2,176) 602,650 59,379 (81,937) 551,499 (151) 273,948 825,296 (2,176) 602,650 59,379 (81,937) 551,499 (151) 273,948 1,593,239 157,776 407,229 (81,937) 1,709,760 8,732 2,048,101 15,112,895 86 MUFG Report 2015
2013 2014 2014 2013 1,614,757 1,543,030 (138,305,190) (136,943,494) 300,163 255,637 110,348,143 108,333,935 11,487 126,924 34,682,841 35,904,614 17,787 36,830 (479,026) (1,657,637) (1,591) 576,140 1,483,685 (159,637) (112,470) (176,368) (151,365) 46,037 (173,705) (223,581) (223,357) 10,321 8,868 12,393 31,251 (172) (333) 19 1,404 (62,696) 35,323 (388,447) (1,601) (46,685) 53,033 (115) (222) (43) 969 (141) (43,807) (50,771) (2,806,238) (2,370,649) 624,743 492,122 (208,271) (287,463) 639 2,264 (1,213,235) (2,177,403) 4,926 (2,496) (1,337,542) 3,086,278 1,181,142 (2,803,988) 889,029 (294,819) (5,909,031) (6,608,052) (1,015) (443,017) 67,952 2,399 (619) (1,558) 6,501,689 6,001,400 55,000 44,000 (74,800) (116,500) 190,000 48,751 (284,324) (663,502) 6,793,900 8,543,515 2,949 1,920 488,549 633,905 (137,400) 3,247,294 (137,246) (13,003,581) (11,210,496) 261,206 (1,141,168) (370,559) (1,546,761) (350,881) 3,983,716 667,730 401,456 (263,978) (216,106) (106,964) (95,763) (17,602) (10,454) (490,044) (45) 2 610 (29,463) 2,657,417 1,490,264 4 5 (137,770) (485,839) (1,156,621) (1,007,086) 375,867 234,959 252,797 298,454 353,597 83,593 3,502,117 1,203,733 906,637 1,117,138 6,487,918 5,281,038 1,238,144 441,935 3,146 2,917,319 2,542,087 9,990,035 6,487,918 (636,368) (499,345) (26,303) 981,842 (1,658,147) (3,909,958) (463,446) (230,581) 25,845 51,504 (2,095,748) (4,089,035) MUFG Report 2015 87
2015 7 1 UFJ UFJ UFJ UFJ UFJ MUFG UFJ PB UFJ UFJ UFJ UFJ UFJ UFJ & UFJ DCS MUFG BTMU- BTMU BTMU UFJ UFJ UFJ UFJ UFJ UK UFJ UFJ UFJ USA UFJ UFJ 88 MUFG Report 2015
* 2015 3 31 UFJ 7 1 2001 4 2 2 1,415 14,168,853,820 8306 MTU 676,170 180 MUFG 160 140 120 100 0 2014/3 2014/6 2014/9 2014/12 2015/3 * MUFG 2014 3 100 Web Web * 2.45% 12.62% 14.23% * 0.02% 40.34% 30.31% MUFG http://www.mufg.jp/ http://www.mufg.jp/english/ IR http://www.mufg.jp/ir/ http://www.mufg.jp/english/ir/ CSR http://www.mufg.jp/csr/ http://www.mufg.jp/english/csr/ MUFG 2015 1 URL http://www.mufg.jp/ir/disclosure/ MUFG Report 2015 89
UFJ 100-8330 2-7-1 03 3240 8111 URL http://www.mufg.jp/ 2015 7 FSC Printed in Japan