Edgar Filing: MITSUBISHI UFJ FINANCIAL GROUP INC

Form 6-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 6-K

Report of Foreign Issuer

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

the Securities Exchange Act of 1934

For the month of November 2013

MITSUBISHI UFJ FINANCIAL GROUP, INC.

(Translation of registrant’s name into English)

7-1, Marunouchi 2-chome, Chiyoda-ku

Tokyo 100-8330, Japan

(Address of principal executive offices)

Indicate by check mark whether the registrant files or

will file annual reports under cover of Form 20-F or Form 40-F.

Form 20-F X Form 40-F

Indicate by check mark whether the registrant by furnishing the information

contained in this Form is also thereby furnishing the information to the Commission

pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934.

Yes No X

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: November 14, 2013


Mitsubishi UFJ Financial Group, Inc.

By:		/s/ Akira Takeda
Name:		Akira Takeda
Title:		Chief Manager, General Affairs
		Corporate Administration Division

LOGO

Consolidated Summary Report

<under Japanese GAAP>

for the six months ended September 30, 2013

November 14, 2013


Company name:	Mitsubishi UFJ Financial Group, Inc.	Stock exchange listings:	Tokyo, Nagoya, New York
Code number:	8306	URL http://www.mufg.jp/
Representative:	Nobuyuki Hirano, President & CEO
For inquiry:	Hiroshi Fukunaga, General Manager - Financial Planning Division / Financial Accounting Office TEL (03) 3240-3110
Quarterly securities report issuing date: November 29, 2013		Dividend payment date:	December 6, 2013
Trading accounts:	Established
Supplemental information for quarterly financial statements:		Available
Quarterly investor meeting presentation:		Scheduled (for investors and analysts)

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

1. Consolidated Financial Data for the Six Months ended September 30, 2013

(1) Results of Operations


	(% represents the change from the same period in the previous fiscal year)
	Ordinary Income					Ordinary Profits					Net Income
Six months ended	million yen		%			million yen		%			million yen		%
September 30, 2013		2,583,258		9.6			850,439		49.2			530,204		82.5
September 30, 2012		2,357,952		(11.7	)		570,048		(40.5	)		290,484		(58.3	)

(*)	Comprehensive income

September 30, 2013: 919,842 million yen, 183.0% ; September 30, 2012: 325,026 million yen, (60.3)%


	Net Income per Common Stock		Diluted Net Income per Common Stock
Six months ended	yen		yen
September 30, 2013		36.82		36.68
September 30, 2012		19.90		19.84

(2) Financial Conditions


	Total Assets		Total Net Assets		Net Assets Attributable to MUFG Shareholders to Total Assets (*)
As of	million yen		million yen		%
September 30, 2013		242,222,974		14,328,392		5.1
March 31, 2013		234,498,701		13,519,655		5.0

(Reference) Shareholders’ equity as of September 30, 2013: 12,464,736 million yen; March 31, 2013: 11,736,617 million yen

(*)

“Net assets attributable to MUFG shareholders to total assets” is computed under the formula shown below

(Total net assets - Subscription rights to shares - Minority interests) / Total assets

2. Dividends on Common Stock


	Dividends per Share
	1st quarter-end		2nd quarter-end		3rd quarter-end		Fiscal year-end		Total
Fiscal year	yen		yen		yen		yen		yen
ended March 31, 2013		—		6.00		—		7.00		13.00
ending March 31, 2014		—		7.00		——		——		——
ending March 31, 2014 (Forecast)		——		——		—		7.00		14.00

(*1)

Revision of forecasts for dividends on the presentation date of this Consolidated Summary Report: None

(*2)

The information in the above table is only for dividends on common stocks. Please refer to “Dividends on preferred stocks” with regard to dividends on other type of (unlisted) stocks issued by us.

3. Earnings Target for the Fiscal Year ending March 31, 2014 (Consolidated)

MUFG has the target of 910.0 billion yen of consolidated net income for the fiscal year ending March 31, 2014. (There is a change to our earnings target released on May 15, 2013.)

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 consolidated net income instead of a forecast of its performance.

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: No

(D)

Restatements: No

(3)	Number of common stocks outstanding at the end of the period


(A) Total stocks outstanding including treasury stocks:	September 30, 2013	14,163,760,420 shares
	March 31, 2013	14,158,585,720 shares
(B) Treasury stocks:	September 30, 2013	3,120,400 shares
	March 31, 2013	3,411,544 shares
(C) Average outstanding stocks:	Six months ended September 30, 2013	14,158,129,336 shares
	Six months ended September 30, 2012	14,147,400,847 shares

(Reference) Summary of non-consolidated financial data

1. Non-consolidated Financial Data for the Six Months ended September 30, 2013

(1) Results of Operations


	(% represents the change from the same period in the previous fiscal year)
	Operating Income					Operating Profits					Ordinary Profits					Net Income
Six months ended	million yen		%			million yen		%			million yen		%			million yen		%
September 30, 2013		115,445		6.5			106,401		6.5			99,678		7.7			99,332		7.1
September 30, 2012		108,377		(32.4	)		99,894		(34.5	)		92,560		(33.9	)		92,722		(35.2	)


	Net Income per Common Stock
Six months ended	yen
September 30, 2013		6.38
September 30, 2012		5.92

(2) Financial Conditions


	Total Assets		Total Net Assets		Net Assets Ratio
As of	million yen		million yen		%
September 30, 2013		10,878,974		8,589,202		78.9
March 31, 2013		10,886,168		8,614,853		79.1

(Reference) Shareholders’ equity as of September 30, 2013: 8,580,803 million yen; March 31, 2013: 8,605,969 million yen

LOGO Disclosure regarding the execution of the interim audit process

This “Consolidated Summary Report” (Quarterly “Tanshin”) is outside the scope of the external auditor’s interim audit procedure which is required by “Financial Instruments and Exchange Act”. Therefore, the interim audit process has not been completed as of this disclosure in the “Consolidated Summary Report”.

LOGO Notes for using forecasted information etc.

This financial summary report contains forward-looking statements regarding estimations, forecasts, targets and 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 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. 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 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.

The financial information included in this financial summary report is prepared and presented in accordance 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 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 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 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 publish U.S. GAAP financial results in a separate disclosure document when such information becomes available.

(Dividends on preferred stocks)

Dividends per share relating to preferred stocks are as follows:


	Dividends per Share
	1st quarter-end		2nd quarter-end		3rd quarter-end		Fiscal year-end		Total
	yen		yen		yen		yen		yen
Preferred Stock First Series of Class 5
Fiscal year ended March 31, 2013		—		57.50		—		57.50		115.00
Fiscal year ending March 31, 2014		—		57.50		——		——		——
Fiscal year ending March 31, 2014 (Forecast)		——		——		—		57.50		115.00

	Dividends per Share
	1st quarter-end		2nd quarter-end		3rd quarter-end		Fiscal year-end		Total
	yen		yen		yen		yen		yen
Preferred Stock Class 11
Fiscal year ended March 31, 2013		—		2.65		—		2.65		5.30
Fiscal year ending March 31, 2014		—		2.65		——		——		——
Fiscal year ending March 31, 2014 (Forecast)		——		——		—		2.65		5.30

Mitsubishi UFJ Financial Group, Inc.

(Appendix)

Contents of Appendix


1. Qualitative Information Pertaining to Consolidated Earnings and others for the Six Months ended September 30, 2013			2

(1) Qualitative Information Pertaining to Consolidated Earnings Target			2

2. Consolidated Financial Statements			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			7

(4) Notes on Going-Concern Assumption			10

3. Non-consolidated Financial Statements			11

(1) Non-consolidated Balance Sheets			11

(2) Non-consolidated Statements of Income			13

(3) Non-consolidated Statements of Changes in Net Assets			14

(4) Notes on Going-Concern Assumption			16

Supplemental Information:

“Selected Financial Information under Japanese GAAP for the Six Months Ended September 30, 2013”

(*)	The following is the schedule of internet conference and explanation for investors and analysts. You can confirm those contents over the internet. Materials distributed for those will be uploaded in our homepage soon after the internet conference or the explanation is held.


Internet Conference:		November 14, 2013 (Thursday)

Explanation for investors and analysts:		November 20, 2013 (Wednesday)

Mitsubishi UFJ Financial Group, Inc.

1. Qualitative Information Pertaining to Consolidated Earnings and others for the Six Months ended September 30, 2013

(1) Qualitative Information Pertaining to Consolidated Earnings Target

MUFG has revised our earnings target of consolidated net income for the fiscal year ending March 31, 2014 upward to 910.0 billion yen to take into account the strong performance of the interim results of our subsidiaries.

(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 consolidated net income instead of a forecast of its performance.)

[Reference]

MUFG Consolidated


(in billions of Japanese yen)	For the fiscal year ending March 31, 2014			For the six months ended September 30, 2013 (Results)		For the fiscal year ended March 31, 2013 (Results)			For the six months ended September 30, 2012 (Results)
Ordinary profits		1,530.0			850.4		1,344.1			570.0
Net income (loss)		910.0			530.2		852.6			290.4

Total credit costs		(20.0	)		25.7		(115.6	)		(62.2	)


<2 Banks on a stand-alone basis>

The Bank of Tokyo-Mitsubishi UFJ, Ltd.
Net business profits before provision for general allowance for credit losses		860.0			417.9		1,001.5			569.6
Ordinary profits (losses)		865.0			455.1		860.9			326.4
Net income (loss)		510.0			269.9		585.1			171.4

Total credit costs		0			27.8		(56.6	)		(26.8	)


Mitsubishi UFJ Trust and Banking Corporation
Net business profits before credit costs for trust accounts and provision for general allowance for credit losses		160.0			71.6		162.2			79.8
Ordinary profits (losses)		155.0			87.1		136.2			46.8
Net income (loss)		105.0			62.6		125.1			39.7

Total credit costs		10.0			16.6		(8.6	)		(1.7	)

Mitsubishi UFJ Financial Group, Inc.

2. Consolidated Financial Statements

(1)	Consolidated Balance Sheets


(in millions of yen)	As of March 31, 2013			As of September 30, 2013
Assets:
Cash and due from banks		11,457,999			18,817,878
Call loans and bills bought		580,906			510,325
Receivables under resale agreements		5,635,326			6,482,670
Receivables under securities borrowing transactions		2,589,171			2,645,060
Monetary claims bought		3,365,787			3,522,648
Trading assets		20,570,422			16,493,759
Money held in trust		501,934			607,453
Securities		79,526,850			77,113,847
Loans and bills discounted		91,299,557			95,245,250
Foreign exchanges		1,499,694			1,509,181
Other assets		8,097,431			9,587,937
Tangible fixed assets		1,404,687			1,449,992
Intangible fixed assets		1,091,392			1,165,895
Deferred tax assets		95,814			128,319
Customers’ liabilities for acceptances and guarantees		7,869,182			7,911,088
Allowance for credit losses		(1,087,457	)		(968,335	)

Total assets		234,498,701			242,222,974

Liabilities:
Deposits		131,697,096			136,128,314
Negotiable certificates of deposit		14,855,049			14,793,394
Call money and bills sold		3,980,493			3,427,239
Payables under repurchase agreements		15,886,923			20,671,012
Payables under securities lending transactions		4,027,390			3,162,430
Commercial papers		1,048,856			1,417,944
Trading liabilities		15,379,226			12,613,653
Borrowed money		10,758,136			10,531,385
Foreign exchanges		859,469			1,030,795
Short-term bonds payable		462,161			421,509
Bonds payable		6,114,578			6,093,491
Due to trust accounts		1,503,215			1,562,853
Other liabilities		5,742,901			7,397,809
Reserve for bonuses		62,707			62,569
Reserve for bonuses to directors		891			332
Reserve for retirement benefits		84,911			54,630
Reserve for retirement benefits to directors		1,438			1,022
Reserve for loyalty award credits		7,798			9,316
Reserve for contingent losses		296,471			243,930
Reserves under special laws		1,969			2,289
Deferred tax liabilities		180,485			201,623
Deferred tax liabilities for land revaluation		157,688			155,944
Acceptances and guarantees		7,869,182			7,911,088

Total liabilities		220,979,045			227,894,581

Mitsubishi UFJ Financial Group, Inc.


(in millions of yen)	As of March 31, 2013			As of September 30, 2013
Net assets:
Capital stock		2,139,378			2,140,421
Capital surplus		2,172,930			2,173,915
Retained earnings		6,267,976			6,688,270
Treasury stock		(1,929	)		(1,677	)

Total shareholders’ equity		10,578,356			11,000,929

Net unrealized gains (losses) on other securities		1,207,963			1,178,584
Net deferred gains (losses) on hedging instruments		45,146			27,802
Land revaluation excess		159,952			158,397
Foreign currency translation adjustments		(195,421	)		163,706
Pension liability adjustments of subsidiaries preparing financial statements under US GAAP		(59,379	)		(64,685	)

Total accumulated other comprehensive income		1,158,261			1,463,806

Subscription rights to shares		8,884			8,399
Minority interests		1,774,153			1,855,256

Total net assets		13,519,655			14,328,392

Total liabilities and net assets		234,498,701			242,222,974

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 six months ended September 30, 2012		For the six months ended September 30, 2013
Ordinary income		2,357,952		2,583,258
Interest income		1,124,729		1,138,726
Interest on loans and bills discounted		744,668		777,686
Interest and dividends on securities		293,546		270,514
Trust fees		46,066		53,031
Fees and commissions		554,040		657,532
Trading income		133,918		179,783
Other business income		385,458		283,620
Other ordinary income		113,739		270,563
Ordinary expenses		1,787,903		1,732,819
Interest expenses		248,496		230,089
Interest on deposits		89,160		91,655
Fees and commissions		81,631		92,878
Trading expenses		—		1,544
Other business expenses		82,546		143,435
General and administrative expenses		1,054,747		1,139,034
Other ordinary expenses		320,482		125,836

Ordinary profits		570,048		850,439

Extraordinary gains		4,566		5,674
Gains on disposition of fixed assets		2,705		5,674
Gains on negative goodwill		339		—
Reversal of reserve for contingent liabilities from financial instruments transactions		71		—
Transfer gains on divestiture of businesses		1,450		—
Extraordinary losses		31,560		33,386
Losses on disposition of fixed assets		4,932		4,009
Losses on impairment of fixed assets		3,290		2,348
Provision for reserve for contingent liabilities from financial instruments transactions		—		319
Settlement package		—		24,537
Losses on sales of equity securities of subsidiaries		—		2,170
Losses on change in equity		23,285		—
Others		51		—

Income before income taxes and others		543,054		822,727

Income taxes-current		39,037		165,822
Income taxes-deferred		155,715		46,369

Total taxes		194,753		212,192

Income before minority interests		348,300		610,535

Minority interests		57,816		80,330

Net income		290,484		530,204

Mitsubishi UFJ Financial Group, Inc.

Consolidated Statements of Comprehensive Income


(in millions of yen)	For the six months ended September 30, 2012			For the six months ended September 30, 2013
Income before minority interests		348,300			610,535
Other comprehensive income
Net unrealized gains (losses) on other securities		(96,633	)		(21,571	)
Net deferred gains (losses) on hedging instruments		7,839			(18,055	)
Land revaluation excess		(62	)		(110	)
Foreign currency translation adjustments		40,885			206,415
Pension liability adjustments of subsidiaries preparing financial statements under US GAAP		1,647			(5,645	)
Share of other comprehensive income of associates accounted for using equity method		23,049			148,274

Total other comprehensive income		(23,274	)		309,307

Comprehensive income		325,026			919,842

(Comprehensive income attributable to)
Comprehensive income attributable to owners of the parent		268,072			837,194
Comprehensive income attributable to minority interests		56,954			82,648

Mitsubishi UFJ Financial Group, Inc.

(3)	Consolidated Statements of Changes in Net Assets


(in millions of yen)	For the six months ended September 30, 2012			For the six months ended September 30, 2013
Shareholders’ equity
Capital stock
Balance at the beginning of the period		2,138,487			2,139,378
Changes during the period
Issuance of new shares-exercise of subscription rights to shares		891			1,042

Total changes during the period		891			1,042

Balance at the end of the period		2,139,378			2,140,421

Capital surplus
Balance at the beginning of the period		2,175,304			2,172,930
Changes during the period
Issuance of new shares-exercise of subscription rights to shares		889			1,040
Disposition of treasury stock		(0	)		(55	)

Total changes during the period		889			985

Balance at the end of the period		2,176,193			2,173,915

Retained earnings
Balance at the beginning of the period		5,602,327			6,267,976
Changes during the period
Dividends from retained earnings		(93,817	)		(108,072	)
Net income		290,484			530,204
Reversal of land revaluation excess		(57	)		1,444
Changes in foreign affiliates’ interests in their subsidiaries		—			(3,282	)

Total changes during the period		196,609			420,293

Balance at the end of the period		5,798,936			6,688,270

Treasury stock
Balance at the beginning of the period		(6,544	)		(1,929	)
Changes during the period
Repurchase of treasury stock		(5	)		(20	)
Disposition of treasury stock		9			272

Total changes during the period		3			251

Balance at the end of the period		(6,540	)		(1,677	)

Mitsubishi UFJ Financial Group, Inc.


(in millions of yen)	For the six months ended September 30, 2012			For the six months ended September 30, 2013
Total shareholders’ equity
Balance at the beginning of the period		9,909,575			10,578,356
Changes during the period
Issuance of new shares-exercise of subscription rights to shares		1,780			2,083
Dividends from retained earnings		(93,817	)		(108,072	)
Net income		290,484			530,204
Repurchase of treasury stock		(5	)		(20	)
Disposition of treasury stock		9			217
Reversal of land revaluation excess		(57	)		1,444
Changes in foreign affiliates’ interests in their subsidiaries		—			(3,282	)

Total changes during the period		198,393			422,573

Balance at the end of the period		10,107,968			11,000,929

Accumulated other comprehensive income
Net unrealized gains (losses) on other securities
Balance at the beginning of the period		440,900			1,207,963
Changes during the period
Net changes of items other than shareholders’ equity		(95,327	)		(29,379	)

Total changes during the period		(95,327	)		(29,379	)

Balance at the end of the period		345,572			1,178,584

Net deferred gains (losses) on hedging instruments
Balance at the beginning of the period		23,904			45,146
Changes during the period
Net changes of items other than shareholders’ equity		6,888			(17,343	)

Total changes during the period		6,888			(17,343	)

Balance at the end of the period		30,793			27,802

Land revaluation excess
Balance at the beginning of the period		161,361			159,952
Changes during the period
Net changes of items other than shareholders’ equity		(5	)		(1,554	)

Total changes during the period		(5	)		(1,554	)

Balance at the end of the period		161,355			158,397

Foreign currency translation adjustments
Balance at the beginning of the period		(494,155	)		(195,421	)
Changes during the period
Net changes of items other than shareholders’ equity		63,426			359,128

Total changes during the period		63,426			359,128

Balance at the end of the period		(430,728	)		163,706

Mitsubishi UFJ Financial Group, Inc.


(in millions of yen)	For the six months ended September 30, 2012			For the six months ended September 30, 2013
Pension liability adjustments of subsidiaries preparing financial statements under US GAAP
Balance at the beginning of the period		(48,555	)		(59,379	)
Changes during the period
Net changes of items other than shareholders’ equity		2,662			(5,306	)

Total changes during the period		2,662			(5,306	)

Balance at the end of the period		(45,893	)		(64,685	)

Total accumulated other comprehensive income
Balance at the beginning of the period		83,454			1,158,261
Changes during the period
Net changes of items other than shareholders’ equity		(22,355	)		305,545

Total changes during the period		(22,355	)		305,545

Balance at the end of the period		61,099			1,463,806

Subscription rights to shares
Balance at the beginning of the period		7,933			8,884
Changes during the period
Net changes of items other than shareholders’ equity		(83	)		(484	)

Total changes during the period		(83	)		(484	)

Balance at the end of the period		7,850			8,399

Minority interests
Balance at the beginning of the period		1,674,821			1,774,153
Changes during the period
Net changes of items other than shareholders’ equity		15,170			81,103

Total changes during the period		15,170			81,103

Balance at the end of the period		1,689,991			1,855,256

Total net assets
Balance at the beginning of the period		11,675,784			13,519,655
Changes during the period
Issuance of new shares-exercise of subscription rights to shares		1,780			2,083
Dividends from retained earnings		(93,817	)		(108,072	)
Net income		290,484			530,204
Repurchase of treasury stock		(5	)		(20	)
Disposition of treasury stock		9			217
Reversal of land revaluation excess		(57	)		1,444
Changes in foreign affiliates’ interests in their subsidiaries		—			(3,282	)
Net changes of items other than shareholders’ equity		(7,268	)		386,163

Total changes during the period		191,125			808,736

Balance at the end of the period		11,866,909			14,328,392

Mitsubishi UFJ Financial Group, Inc.

(4)	Notes on Going-Concern Assumption

Not applicable

Mitsubishi UFJ Financial Group, Inc.

3. Non-consolidated Financial Statements

(1)	Non-consolidated Balance Sheets


(in millions of yen)	As of March 31, 2013		As of September 30, 2013
Assets:
Current assets:
Cash and due from banks		14,502		15,060
Securities		112,800		123,400
Others		48,013		29,383

Total current assets		175,316		167,844

Fixed assets:
Tangible fixed assets		120		184
Intangible fixed assets		3,440		3,742
Investments and other assets		10,707,291		10,707,204
Investments in subsidiaries and affiliates		10,706,842		10,706,842
Others		449		362

Total fixed assets		10,710,851		10,711,130

Total assets		10,886,168		10,878,974

Liabilities:
Current liabilities:
Short-term borrowings		1,873,335		1,891,819
Lease liabilities		18		14
Income taxes payable		3		56
Reserve for bonuses and reserve for bonuses to directors		431		365
Others		5,808		5,649

Total current liabilities		1,879,598		1,897,904

Fixed liabilities:
Bonds payable		380,500		380,500
Long-term borrowings		3,607		3,781
Lease liabilities		40		39
Others		7,568		7,546

Total fixed liabilities		391,716		391,867

Total liabilities		2,271,314		2,289,772

Mitsubishi UFJ Financial Group, Inc.


(in millions of yen)	As of March 31, 2013			As of September 30, 2013
Net assets:
Shareholders’ equity:
Capital stock		2,139,378			2,140,421
Capital surplus:
Capital reserve		2,139,392			2,140,433
Other capital surplus		1,860,006			1,860,006

Total capital surplus		3,999,398			4,000,440

Retained earnings:
Other retained earnings:
Other reserve		150,000			150,000
Earned surplus brought forward		2,367,278			2,358,532

Total retained earnings		2,517,278			2,508,532

Treasury stock		(61	)		(81	)

Total shareholders’ equity		8,655,995			8,649,313

Valuation and translation adjustments:
Net deferred gains (losses) on hedging instruments		(50,026	)		(68,510	)

Total valuation and translation adjustments		(50,026	)		(68,510	)

Subscription rights to shares		8,884			8,399

Total net assets		8,614,853			8,589,202

Total liabilities and net assets		10,886,168			10,878,974

Mitsubishi UFJ Financial Group, Inc.

(2)	Non-consolidated Statements of Income


(in millions of yen)	For the six months ended September 30, 2012		For the six months ended September 30, 2013
Operating income		108,377		115,445
Operating expenses		8,482		9,043

Operating profits		99,894		106,401

Non-operating income		8,051		7,948
Non-operating expenses		15,385		14,671

Ordinary profits		92,560		99,678

Extraordinary gains		454		—
Extraordinary losses		2		0

Income before income taxes		93,011		99,678

Income taxes-current		277		345
Income taxes-deferred		11		—

Total taxes		289		345

Net income		92,722		99,332

Mitsubishi UFJ Financial Group, Inc.

(3)	Non-consolidated Statements of Changes in Net Assets


(in millions of yen)	For the six months ended September 30, 2012			For the six months ended September 30, 2013
Shareholders’ equity
Capital stock
Balance at the beginning of the period		2,138,487			2,139,378
Changes during the period
Issuance of new shares-exercise of subscription rights to shares		891			1,042

Total changes during the period		891			1,042

Balance at the end of the period		2,139,378			2,140,421

Capital surplus
Capital reserve
Balance at the beginning of the period		2,138,503			2,139,392
Changes during the period
Issuance of new shares-exercise of subscription rights to shares		889			1,040

Total changes during the period		889			1,040

Balance at the end of the period		2,139,392			2,140,433

Other capital surplus
Balance at the beginning of the period		1,860,006			1,860,006
Changes during the period
Disposition of treasury stock		(0	)		0

Total changes during the period		(0	)		0

Balance at the end of the period		1,860,006			1,860,006

Retained earnings
Other retained earnings
Other reserve
Balance at the beginning of the period		150,000			150,000

Balance at the end of the period		150,000			150,000

Earned surplus brought forward
Balance at the beginning of the period		2,367,003			2,367,278
Changes during the period
Dividends from retained earnings		(93,896	)		(108,079	)
Net income		92,722			99,332

Total changes during the period		(1,173	)		(8,746	)

Balance at the end of the period		2,365,829			2,358,532

Treasury stock
Balance at the beginning of the period		(46	)		(61	)
Changes during the period
Repurchase of treasury stock		(5	)		(20	)
Disposition of treasury stock		0			0

Total changes during the period		(4	)		(19	)

Balance at the end of the period		(51	)		(81	)

Mitsubishi UFJ Financial Group, Inc.


(in millions of yen)	For the six months ended September 30, 2012			For the six months ended September 30, 2013
Total shareholders’ equity
Balance at the beginning of the period		8,653,954			8,655,995
Changes during the period
Issuance of new shares-exercise of subscription rights to shares		1,780			2,083
Dividends from retained earnings		(93,896	)		(108,079	)
Net income		92,722			99,332
Repurchase of treasury stock		(5	)		(20	)
Disposition of treasury stock		0			1

Total changes during the period		602			(6,682	)

Balance at the end of the period		8,654,556			8,649,313

Valuation and translation adjustments
Net deferred gains (losses) on hedging instruments
Balance at the beginning of the period		5,935			(50,026	)
Changes during the period
Net changes of items other than shareholders’ equity		14,757			(18,483	)

Total changes during the period		14,757			(18,483	)

Balance at the end of the period		20,692			(68,510	)

Subscription rights to shares
Balance at the beginning of the period		7,933			8,884
Changes during the period
Net changes of items other than shareholders’ equity		(83	)		(484	)

Total changes during the period		(83	)		(484	)

Balance at the end of the period		7,850			8,399

Total net assets
Balance at the beginning of the period		8,667,823			8,614,853
Changes during the period
Issuance of new shares-exercise of subscription rights to shares		1,780			2,083
Dividends from retained earnings		(93,896	)		(108,079	)
Net income		92,722			99,332
Repurchase of treasury stock		(5	)		(20	)
Disposition of treasury stock		0			1
Net changes of items other than shareholders’ equity		14,673			(18,968	)

Total changes during the period		15,276			(25,650	)

Balance at the end of the period		8,683,099			8,589,202

Mitsubishi UFJ Financial Group, Inc.

(4)	Notes on Going-Concern Assumption

Not applicable

Selected Financial Information

under Japanese GAAP

For the Six Months Ended September 30, 2013

Mitsubishi UFJ Financial Group, Inc.

Mitsubishi UFJ Financial Group, Inc.

[Contents]


1. Financial Results	[ MUFG Consolidated ]1 [ BTMU and MUTB Combined ]234	——	1
	[ BTMU Consolidated ][ BTMU Non-consolidated ]
	[ MUTB Consolidated ][ MUTB Non-consolidated ]

2. Average Interest Rate Spread	[ BTMU Non-consolidated ][ MUTB Non-consolidated ] [ BTMU and MUTB Combined ]	——	7

3. Notional Principal by the Remaining Life of the Interest Rate Swaps for Hedge-Accounting	[ MUFG Consolidated ][ BTMU Consolidated ] [ MUTB Consolidated ]	——	8

4. Securities	[ MUFG Consolidated ] [ BTMU Non-consolidated ][ MUTB Non-consolidated ]	——	9

5. ROE	[ MUFG Consolidated ]	——	12

6. Risk-Adjusted Capital Ratio Based on the Basel 3 Standards	[ MUFG Consolidated ][ BTMU Consolidated ] [ MUTB Consolidated ] [ BTMU Non-consolidated ][ MUTB Non-consolidated ]	——	13

7. Risk-Monitored Loans	[ MUFG Consolidated ] [ BTMU Non-consolidated ][ MUTB Non-consolidated ] [ MUTB Non-consolidated : Trust Account ]	——	14

8. Non Performing Loans Based on the Financial Reconstruction Law (the “FRL”)	[ BTMU and MUTB Combined including Trust Account ] [ BTMU Non-consolidated ][ MUTB Non-consolidated ] [ MUTB Non-consolidated : Trust Account ]	——	18

9. Progress in Disposition of Problem Assets	[ BTMU Non-consolidated ] [ MUTB Non-consolidated including Trust Account ]	——	23

10. Loans Classified by Type of Industry, Domestic Consumer Loans, Domestic Loans to Small/Medium-Sized Companies and Proprietors	[ BTMU and MUTB Combined including Trust Accounts ] [ BTMU Non-consolidated ][ MUTB Non-consolidated ] [ MUTB Non-consolidated : Trust Accounts ]	——	25

11. Overseas Loans	[ BTMU and MUTB Combined ]	——	29

12. Loans and Deposits	[ BTMU and MUTB Combined ] [ BTMU Non-consolidated ][ MUTB Non-consolidated ]	——	30

13. Domestic Deposits	[ BTMU and MUTB Combined ] [ BTMU Non-consolidated ][ MUTB Non-consolidated ]	——	31

14. Status of Deferred Tax Assets	[ BTMU Non-consolidated ][ MUTB Non-consolidated ]	——	32

(References)

1. Exposure to “Securitized Products and Related Investments”		——	34

2. Financial Statements	[ BTMU Non-consolidated ][ MUTB Non-consolidated ]	——	36

(*1)	“MUFG” means Mitsubishi UFJ Financial Group, Inc.

(*2)	“BTMU” means The Bank of Tokyo-Mitsubishi UFJ, Ltd.

(*3)	“MUTB” means Mitsubishi UFJ Trust and Banking Corporation.

(*4)	“BTMU and MUTB Combined” means simple sum of “BTMU” and “MUTB” without consolidation processes.

Mitsubishi UFJ Financial Group, Inc.

1. Financial Results

MUFG Consolidated


	(in millions of yen)
	For the six months ended						Increase (Decrease) (A) - (B)
	September 30, 2013 (A)			September 30, 2012 (B)			Increase (Decrease) (A) - (B)
Gross profits		1,844,798			1,831,597			13,201
Gross profits before credit costs for trust accounts		1,845,263			1,831,618			13,645
Net interest income		908,689			876,291			32,397
Trust fees		53,031			46,066			6,964
Credit costs for trust accounts (1)		(465	)		(20	)		(444	)
Net fees and commissions		564,653			472,408			92,245
Net trading profits		178,238			133,918			44,320
Net other business profits		140,185			302,912			(162,727	)
Net gains (losses) on debt securities		77,093			275,210			(198,117	)
General and administrative expenses		1,120,251			1,014,430			105,821
Amortization of goodwill		17,042			14,814			2,227
Net business profits before credit costs for trust accounts, provision for general allowance for credit losses and amortization of goodwill		742,055			832,003			(89,948	)
Net business profits before credit costs for trust accounts and provision for general allowance for credit losses		725,012			817,188			(92,175	)
Provision for general allowance for credit losses (2)		—			17,678			(17,678	)
Net business profits*		724,547			834,845			(110,298	)
Net non-recurring gains (losses)		125,891			(264,796	)		390,688
Credit costs (3)		(71,424	)		(108,571	)		37,147
Losses on loan write-offs		(67,248	)		(64,315	)		(2,932	)
Provision for specific allowance for credit losses		—			(43,053	)		43,053
Other credit costs		(4,176	)		(1,203	)		(2,972	)
Reversal of allowance for credit losses (4)		68,738			—			68,738
Reversal of reserve for contingent losses included in credit costs (5)		2,497			1,719			778
Gains on loans written-off (6)		26,383			26,917			(534	)
Net gains (losses) on equity securities		43,448			(173,566	)		217,015
Gains on sales of equity securities		61,854			22,543			39,311
Losses on sales of equity securities		(7,587	)		(9,222	)		1,634
Losses on write-down of equity securities		(10,818	)		(186,887	)		176,068
Profits (losses) from investments in affiliates		68,693			27,407			41,285
Other non-recurring gains (losses)		(12,445	)		(38,703	)		26,257

Ordinary profits		850,439			570,048			280,390

Net extraordinary gains (losses)		(27,711	)		(26,994	)		(717	)
Settlement package		(24,537	)		—			(24,537	)
Losses on change in equity		—			(23,285	)		23,285
Income before income taxes and others		822,727			543,054			279,673
Income taxes-current		165,822			39,037			126,784
Income taxes-deferred		46,369			155,715			(109,345	)
Total taxes		212,192			194,753			17,438
Income before minority interests		610,535			348,300			262,234
Minority interests		80,330			57,816			22,514

Net income		530,204			290,484			239,719


Note:
* Net business profits = Banking subsidiaries’ net business 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 - Inter-company transactions

(Reference)
Total credit costs (1)+(2)+(3)+(4)+(5)+(6)		25,730			(62,277	)		88,007

Number of consolidated subsidiaries		249			211			38
Number of affiliated companies accounted for under the equity method		61			57			4

Mitsubishi UFJ Financial Group, Inc.

BTMU and MUTB Combined


	(in millions of yen)
	For the six months ended						Increase (Decrease) (A) - (B)
	September 30, 2013 (A)			September 30, 2012 (B)			Increase (Decrease) (A) - (B)
Gross profits		1,125,552			1,257,877			(132,324	)
Gross profits before credit costs for trust accounts		1,126,017			1,257,898			(131,880	)
Net interest income		634,971			641,706			(6,734	)
Trust fees		39,093			34,583			4,510
Credit costs for trust accounts (1)		(465	)		(20	)		(444	)
Net fees and commissions		273,244			230,500			42,744
Net trading profits		54,172			65,569			(11,396	)
Net other business profits		124,069			285,516			(161,447	)
Net gains (losses) on debt securities		67,080			266,661			(199,580	)
General and administrative expenses		636,425			608,395			28,030
Net business profits before credit costs for trust accounts and provision for general allowance for credit losses		489,591			649,503			(159,911	)
Provision for general allowance for credit losses (2)		—			16,758			(16,758	)
Net business profits		489,126			666,240			(177,114	)
Net non-recurring gains (losses)		53,192			(292,878	)		346,071
Credit costs (3)		(37,010	)		(60,552	)		23,542
Losses on loan write-offs		(33,033	)		(25,296	)		(7,736	)
Provision for specific allowance for credit losses		—			(34,058	)		34,058
Other credit costs		(3,976	)		(1,197	)		(2,779	)
Reversal of allowance for credit losses (4)		65,269			—			65,269
Reversal of reserve for contingent losses included in credit costs (5)		4,732			2,045			2,687
Gains on loans written-off (6)		11,944			13,202			(1,257	)
Net gains (losses) on equity securities		19,036			(201,874	)		220,911
Gains on sales of equity securities		51,259			17,849			33,409
Losses on sales of equity securities		(5,069	)		(8,237	)		3,168
Losses on write-down of equity securities		(27,152	)		(211,486	)		184,334
Other non-recurring gains (losses)		(10,780	)		(45,699	)		34,918

Ordinary profits		542,319			373,361			168,957

Net extraordinary gains (losses)		(24,784	)		105			(24,890	)
Net gains (losses) on disposition of fixed assets		479			(3,445	)		3,924
Losses on impairment of fixed assets		(1,885	)		(2,190	)		304
Settlement package		(24,537	)		—			(24,537	)
Gains on liquidation of subsidiaries		—			5,741			(5,741	)
Income before income taxes		517,534			373,467			144,066
Income taxes-current		130,305			11,843			118,462
Income taxes-deferred		54,633			150,500			(95,867	)
Total taxes		184,938			162,344			22,594

Net income		332,595			211,123			121,472


(Reference)
Total credit costs (1)+(2)+(3)+(4)+(5)+(6)		44,471			(28,566	)		73,038

Mitsubishi UFJ Financial Group, Inc.

BTMU Consolidated


	(in millions of yen)
	For the six months ended						Increase (Decrease) (A) - (B)
	September 30, 2013 (A)			September 30, 2012 (B)			Increase (Decrease) (A) - (B)
Gross profits		1,250,246			1,325,895			(75,648	)
Net interest income		756,867			717,802			39,064
Trust fees		7,157			4,557			2,599
Net fees and commissions		287,608			251,888			35,719
Net trading profits		57,292			69,303			(12,011	)
Net other business profits		141,320			282,341			(141,021	)
Net gains (losses) on debt securities		79,487			254,530			(175,042	)
General and administrative expenses		739,311			663,528			75,782
Amortization of goodwill		8,768			7,132			1,636
Net business profits before provision for general allowance for credit losses and amortization of goodwill		519,703			669,498			(149,795	)
Net business profits before provision for general allowance for credit losses		510,934			662,366			(151,431	)
Provision for general allowance for credit losses (1)		—			10,517			(10,517	)
Net business profits*		510,934			672,883			(161,949	)
Net non-recurring gains (losses)		63,665			(233,420	)		297,086
Credit costs (2)		(46,056	)		(67,044	)		20,987
Losses on loan write-offs		(41,863	)		(37,844	)		(4,018	)
Provision for specific allowance for credit losses		—			(27,919	)		27,919
Other credit costs		(4,193	)		(1,280	)		(2,912	)
Reversal of allowance for credit losses (3)		58,858			—			58,858
Reversal of reserve for contingent losses included in credit costs (4)		2,622			1,658			964
Gains on loans written-off (5)		17,240			18,549			(1,309	)
Net gains (losses) on equity securities		32,815			(166,414	)		199,230
Gains on sales of equity securities		47,162			11,427			35,734
Losses on sales of equity securities		(2,386	)		(7,179	)		4,793
Losses on write-down of equity securities		(11,960	)		(170,662	)		158,702
Profits (losses) from investments in affiliates		5,182			6,028			(845	)
Other non-recurring gains (losses)		(6,997	)		(26,198	)		19,200

Ordinary profits		574,599			439,463			135,136

Net extraordinary gains (losses)		(26,791	)		(4,383	)		(22,408	)
Net gains (losses) on disposition of fixed assets		2,030			(2,399	)		4,430
Losses on impairment of fixed assets		(1,791	)		(2,020	)		229
Settlement package		(24,537	)		—			(24,537	)
Income before income taxes and others		547,807			435,080			112,727
Income taxes-current		133,065			25,678			107,386
Income taxes-deferred		44,811			153,841			(109,030	)
Total taxes		177,876			179,519			(1,643	)
Income before minority interests		369,931			255,560			114,371
Minority interests		30,405			27,990			2,414

Net income		339,525			227,569			111,956


Note:
* Net business profits = Net business profits of BTMU + 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 - Inter-company transactions

(Reference)
Total credit costs (1)+(2)+(3)+(4)+(5)		32,665			(36,318	)		68,983

Number of consolidated subsidiaries		146			129			17
Number of affiliated companies accounted for under the equity method		59			52			7

Mitsubishi UFJ Financial Group, Inc.

BTMU Non-consolidated


	(in millions of yen)
	For the six months ended						Increase (Decrease) (A) - (B)
	September 30, 2013 (A)			September 30, 2012 (B)			Increase (Decrease) (A) - (B)
Gross profits		965,579			1,087,682			(122,103	)
Domestic gross profits		567,280			620,918			(53,637	)
Net interest income		363,849			400,212			(36,362	)
Net fees and commissions		140,054			116,661			23,392
Net trading profits		5,700			3,249			2,451
Net other business profits		57,676			100,795			(43,118	)
Net gains (losses) on debt securities		49,064			116,268			(67,204	)
Non-domestic gross profits		398,298			466,764			(68,466	)
Net interest income		198,717			166,938			31,779
Net fees and commissions		87,438			73,410			14,028
Net trading profits		47,148			56,293			(9,144	)
Net other business profits		64,992			170,121			(105,129	)
Net gains (losses) on debt securities		20,587			132,766			(112,179	)
General and administrative expenses		547,620			518,031			29,588
Personnel expenses		222,880			202,387			20,493
Non-personnel expenses		297,700			289,347			8,352
Amortization of goodwill		126			106			20
Taxes		27,039			26,297			742
Net business profits before provision for general allowance for credit losses and amortization of goodwill		418,085			569,757			(151,671	)
Net business profits before provision for general allowance for credit losses		417,958			569,650			(151,691	)
Provision for general allowance for credit losses (1)		—			11,396			(11,396	)
Net business profits		417,958			581,046			(163,088	)
Net non-recurring gains (losses)		37,209			(254,580	)		291,789
Credit costs (2)		(36,441	)		(52,188	)		15,747
Losses on loan write-offs		(32,447	)		(23,038	)		(9,408	)
Provision for specific allowance for credit losses		—			(27,874	)		27,874
Other credit costs		(3,993	)		(1,274	)		(2,719	)
Reversal of allowance for credit losses (3)		48,633			—			48,633
Reversal of reserve for contingent losses included in credit costs (4)		3,914			1,525			2,388
Gains on loans written-off (5)		11,757			12,455			(698	)
Net gains (losses) on equity securities		17,665			(183,310	)		200,976
Gains on sales of equity securities		46,735			8,892			37,842
Losses on sales of equity securities		(2,383	)		(6,558	)		4,175
Losses on write-down of equity securities		(26,686	)		(185,644	)		158,958
Other non-recurring gains (losses)		(8,321	)		(33,063	)		24,742

Ordinary profits		455,168			326,466			128,701

Net extraordinary gains (losses)		(24,638	)		269			(24,908	)
Net gains (losses) on disposition of fixed assets		476			(3,469	)		3,945
Losses on impairment of fixed assets		(1,736	)		(2,002	)		265
Settlement package		(24,537	)		—			(24,537	)
Gains on liquidation of subsidiaries		—			5,741			(5,741	)
Income before income taxes		430,529			326,736			103,793
Income taxes-current		115,148			6,049			109,098
Income taxes-deferred		45,418			149,269			(103,850	)
Total taxes		160,567			155,319			5,247

Net income		269,962			171,416			98,545


(Reference)
Total credit costs (1)+(2)+(3)+(4)+(5)		27,864			(26,810	)		54,675

Mitsubishi UFJ Financial Group, Inc.

MUTB Consolidated


	(in millions of yen)
	For the six months ended						Increase (Decrease) (A) - (B)
	September 30, 2013 (A)			September 30, 2012 (B)			Increase (Decrease) (A) - (B)
Gross profits		204,322			203,895			427
Gross profits before credit costs for trust accounts		204,787			203,916			871
Trust fees		46,053			41,676			4,377
Trust fees before credit costs for trust accounts		46,518			41,697			4,821
Money trusts fees (Jointly operated designated money trusts before credit costs for trust account)		2,961			2,883			78
Other trust fees		43,557			38,813			4,743
Credit costs for trust accounts (1)		(465	)		(20	)		(444	)
Net interest income		70,452			72,459			(2,007	)
Net fees and commissions		75,826			67,162			8,664
Net trading profits		3,476			7,770			(4,294	)
Net other business profits		8,512			14,826			(6,313	)
Net gains (losses) on debt securities		(2,570	)		17,614			(20,185	)
General and administrative expenses		116,756			116,846			(90	)
Amortization of goodwill		108			108			—
Net business profits before credit costs for trust accounts, provision for general allowance for credit losses and amortization of goodwill		88,139			87,177			961
Net business profits before credit costs for trust accounts and provision for general allowance for credit losses		88,031			87,069			961
Provision for general allowance for credit losses (2)		—			5,357			(5,357	)
Net business profits*		87,566			92,406			(4,839	)
Net non-recurring gains (losses)		19,229			(37,179	)		56,409
Credit costs (3)		(575	)		(8,482	)		7,907
Losses on loan write-offs		(592	)		(2,349	)		1,756
Provision for specific allowance for credit losses		—			(6,210	)		6,210
Other credit costs		17			77			(60	)
Reversal of allowance for credit losses (4)		16,545			—			16,545
Reversal of reserve for contingent losses included in credit costs (5)		818			519			299
Gains on loans written-off (6)		231			772			(540	)
Net gains (losses) on equity securities		1,355			(18,122	)		19,477
Gains on sales of equity securities		4,523			9,399			(4,875	)
Losses on sales of equity securities		(2,701	)		(1,679	)		(1,022	)
Losses on write-down of equity securities		(466	)		(25,842	)		25,375
Profits (losses) from investments in affiliates		4,968			1,276			3,692
Other non-recurring gains (losses)		(4,114	)		(13,142	)		9,028

Ordinary profits		106,796			55,226			51,569

Net extraordinary gains (losses)		(160	)		(220	)		60
Income before income taxes and others		106,636			55,005			51,630
Income taxes-current		19,394			9,519			9,874
Income taxes-deferred		11,576			1,113			10,463
Total taxes		30,971			10,633			20,338
Income before minority interests		75,664			44,372			31,291
Minority interests		3,917			3,574			342

Net income		71,747			40,798			30,949


Note:
* Net business profits = Net business profits of MUTB + 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 - Inter-company transactions

(Reference)
Total credit costs (1)+(2)+(3)+(4)+(5)+(6)		16,555			(1,854	)		18,409

Number of consolidated subsidiaries		52			28			24
Number of affiliated companies accounted for under the equity method		12			12			—

Mitsubishi UFJ Financial Group, Inc.

MUTB Non-consolidated


	(in millions of yen)
	For the six months ended						Increase (Decrease) (A) - (B)
	September 30, 2013 (A)			September 30, 2012 (B)			Increase (Decrease) (A) - (B)
Gross profits		159,973			170,194			(10,221	)
Gross profits before credit costs for trust accounts		160,438			170,215			(9,777	)
Domestic gross profits		113,364			145,307			(31,942	)
Trust fees		39,093			34,583			4,510
Trust fees before credit costs for trust accounts		39,558			34,604			4,954
Money trusts fees (Jointly operated designated money trusts before credit costs for trust account)		2,961			2,883			78
Other trust fees		36,597			31,721			4,875
Credit costs for trust accounts (1)		(465	)		(20	)		(444	)
Net interest income		43,364			47,340			(3,975	)
Net fees and commissions		45,381			40,759			4,621
Net trading profits		(1,926	)		15,646			(17,573	)
Net other business profits		(12,548	)		6,977			(19,526	)
Net gains (losses) on debt securities		(15,721	)		8,157			(23,878	)
Non-domestic gross profits		46,608			24,887			21,721
Net interest income		29,039			27,215			1,824
Net fees and commissions		370			(330	)		701
Net trading profits		3,250			(9,619	)		12,869
Net other business profits		13,948			7,622			6,326
Net gains (losses) on debt securities		13,150			9,469			3,680
General and administrative expenses		88,805			90,363			(1,557	)
Personnel expenses		34,155			35,948			(1,792	)
Non-personnel expenses		51,251			50,551			700
Taxes		3,398			3,863			(465	)
Net business profits before credit costs for trust accounts and provision for general allowance for credit losses		71,632			79,852			(8,219	)
Provision for general allowance for credit losses (2)		—			5,362			(5,362	)
Net business profits		71,167			85,193			(14,026	)
Net non-recurring gains (losses)		15,983			(38,298	)		54,281
Credit costs (3)		(568	)		(8,364	)		7,795
Losses on loan write-offs		(586	)		(2,258	)		1,671
Provision for specific allowance for credit losses		—			(6,184	)		6,184
Other credit costs		17			77			(60	)
Reversal of allowance for credit losses (4)		16,635			—			16,635
Reversal of reserve for contingent losses included in credit costs (5)		818			519			299
Gains on loans written-off (6)		187			746			(559	)
Net gains (losses) on equity securities		1,370			(18,564	)		19,935
Gains on sales of equity securities		4,523			8,957			(4,433	)
Losses on sales of equity securities		(2,686	)		(1,679	)		(1,007	)
Losses on write-down of equity securities		(466	)		(25,842	)		25,375
Other non-recurring gains (losses)		(2,459	)		(12,635	)		10,176

Ordinary profits		87,151			46,895			40,255

Net extraordinary gains (losses)		(146	)		(164	)		17
Income before income taxes		87,005			46,731			40,273
Income taxes-current		15,156			5,793			9,363
Income taxes-deferred		9,214			1,230			7,983
Total taxes		24,371			7,024			17,346

Net income		62,633			39,707			22,926


(Reference)
Total credit costs (1)+(2)+(3)+(4)+(5)+(6)		16,607			(1,756	)		18,363

Mitsubishi UFJ Financial Group, Inc.

2. Average Interest Rate Spread

BTMU Non-consolidated


	(percentage per annum)
(Domestic business segment)	For the six months ended September 30, 2013 (A)			Increase (Decrease) (A) - (B)			For the six months ended September 30, 2012 (B)
Total average interest rate on interest-earning assets (a)		0.71			(0.09	)		0.81
Average interest rate on loans and bills discounted (b)		1.14			(0.12	)		1.27
Average interest rate on securities		0.45			(0.01	)		0.47
Total average interest rate on interest-bearing liabilities (c) <including general and administrative expenses>		0.74			(0.03	)		0.78
Average interest rate on deposits and NCD (d)		0.04			(0.00	)		0.05
Average interest rate on other liabilities		0.20			(0.04	)		0.24
Overall interest rate spread (a)-(c)		(0.03	)		(0.06	)		0.03
Interest rate spread (b)-(d)		1.10			(0.12	)		1.22

(After excluding loans to the Japanese government and governmental organizations)
Average interest rate on loans and bills discounted (e)		1.32			(0.10	)		1.43
Interest rate spread (e)-(d)		1.28			(0.09	)		1.37

MUTB Non-consolidated


	(percentage per annum)
(Domestic business segment)	For the six months ended September 30, 2013 (A)		Increase (Decrease) (A) - (B)			For the six months ended September 30, 2012 (B)
Total average interest rate on interest-earning assets (a)		0.66		(0.10	)		0.76
Average interest rate on loans and bills discounted (b)		0.86		(0.10	)		0.97
Average interest rate on securities		0.59		(0.02	)		0.61
Total average interest rate on interest-bearing liabilities (c)		0.20		(0.03	)		0.23
Average interest rate on deposits and NCD (d)		0.16		(0.04	)		0.20
Overall interest rate spread (a)-(c)		0.46		(0.07	)		0.53
Interest rate spread (b)-(d)		0.69		(0.06	)		0.76

(After excluding loans to the Japanese government and governmental organizations)
Average interest rate on loans and bills discounted (e)		0.86		(0.12	)		0.98
Interest rate spread (e)-(d)		0.69		(0.08	)		0.77

BTMU and MUTB Combined


	(percentage per annum)
(Domestic business segment)	For the six months ended September 30, 2013 (A)		Increase (Decrease) (A) - (B)			For the six months ended September 30, 2012 (B)
Average interest rate on loans and bills discounted (a)		1.10		(0.12	)		1.22
Average interest rate on deposits and NCD (b)		0.05		(0.01	)		0.07
Interest rate spread (a)-(b)		1.04		(0.11	)		1.15

(After excluding loans to the Japanese government and governmental organizations)
Average interest rate on loans and bills discounted (c)		1.24		(0.10	)		1.35
Interest rate spread (c)-(b)		1.18		(0.09	)		1.28

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 September 30, 2013

within 1 year

1 year to 5 years

over 5 years

Total

Receive-fix/pay-floater

1,068.4

4,160.8

8,511.5

13,740.7

Receive-floater/pay-fix

756.9

9,536.8

2,038.1

12,331.8

Receive-floater/pay-floater

20.0

—

20.0

Receive-fix/pay-fix

—

Total

1,845.3

13,697.6

10,549.6

26,092.6

BTMU Consolidated

(in billions of yen)

As of September 30, 2013

within 1 year

1 year to 5 years

over 5 years

Total

Receive-fix/pay-floater

644.7

3,623.3

8,362.0

12,630.1

Receive-floater/pay-fix

461.7

7,884.6

1,044.7

9,391.0

Receive-floater/pay-floater

20.0

—

20.0

Receive-fix/pay-fix

—

Total

1,126.4

11,507.9

9,406.7

22,041.2

MUTB Consolidated

(in billions of yen)

As of September 30, 2013

within 1 year

1 year to 5 years

over 5 years

Total

Receive-fix/pay-floater

395.3

469.0

149.5

1,013.8

Receive-floater/pay-fix

273.5

1,602.3

1,047.5

2,923.4

Receive-floater/pay-floater

—

Receive-fix/pay-fix

—

Total

668.8

2,071.3

1,197.0

3,937.2

Mitsubishi UFJ Financial Group, Inc.

4. Securities

MUFG Consolidated

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

Fair Value Information on Securities


	(in millions of yen)
	As of September 30, 2013									As of March 31, 2013
	Amount on consolidated balance sheet		Differences			Gains		Losses		Amount on consolidated balance sheet		Differences		Gains		Losses
Debt securities being held to maturity		2,003,303		46,835			51,184		4,349		2,180,100		53,633		57,023		3,390
Domestic bonds		216,057		1,252			1,252		—		233,985		1,893		1,893		—
Government bonds		214,955		1,248			1,248		—		229,940		1,872		1,872		—
Municipal bonds		—		—			—		—		—		—		—		—
Corporate bonds		1,102		4			4		—		4,044		20		20		—
Other		1,787,245		45,582			49,932		4,349		1,946,115		51,740		55,130		3,390
Foreign bonds		281,522		(2,999	)		1,350		4,349		488,011		354		3,745		3,390
Other		1,505,722		48,581			48,581		—		1,458,103		51,385		51,385		—

	(in millions of yen)
	As of September 30, 2013									As of March 31, 2013
	Amount on consolidated balance sheet		Differences			Gains		Losses		Amount on consolidated balance sheet		Differences		Gains		Losses
Other securities		74,786,306		1,811,006			2,152,809		341,803		77,091,859		1,885,138		2,112,709		227,571
Domestic equity securities		4,384,300		1,541,120			1,636,145		95,024		3,896,586		1,046,030		1,191,026		144,995
Domestic bonds		43,816,126		196,063			209,771		13,707		51,473,004		371,540		377,671		6,131
Government bonds		41,055,184		139,564			150,007		10,443		48,477,995		303,114		303,875		761
Municipal bonds		203,258		7,424			7,424		—		212,246		8,949		8,953		4
Corporate bonds		2,557,683		49,075			52,339		3,264		2,782,762		59,476		64,842		5,366
Other		26,585,879		73,821			306,892		233,071		21,722,269		467,567		544,011		76,444
Foreign equity securities		210,254		92,637			92,684		47		209,122		94,619		94,689		69
Foreign bonds		23,193,676		(63,776	)		134,287		198,063		18,381,458		305,229		327,286		22,057
Other		3,181,947		44,960			79,920		34,960		3,131,687		67,718		122,036		54,317

Mitsubishi UFJ Financial Group, Inc.

BTMU Non-consolidated

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

Fair Value Information on Securities

(in millions of yen)

As of September 30, 2013

As of March 31, 2013

Amount on
balance sheet

Differences

Gains

Losses

Amount on
balance sheet

Differences

Gains

Losses

Debt securities being held to maturity

1,504,359

48,273

—

1,449,339

49,647

—

Stocks of subsidiaries and affiliates

133,703

15,426

41,356

25,930

77,176

27,021

42,861

15,840

(in millions of yen)

As of September 30, 2013

As of March 31, 2013

Amount on
balance sheet

Differences

Gains

Losses

Amount on
balance sheet

Differences

Gains

Losses

Other securities

59,100,788

1,291,084

1,539,148

248,064

60,949,673

1,276,728

1,454,586

177,857

Domestic equity securities

3,528,103

1,107,695

1,202,258

94,562

3,128,846

701,614

846,575

144,960

Domestic bonds

37,493,665

151,590

165,248

13,657

44,334,018

292,981

298,892

5,911

Other

18,079,019

31,797

171,641

139,843

13,486,809

282,132

309,118

26,985

Foreign equity securities

208,968

89,504

90,441

937

207,196

92,550

92,580

Foreign bonds

15,379,903

(74,347

)

38,316

112,664

10,820,311

116,567

125,829

9,262

Other

2,490,147

16,641

42,883

26,241

2,459,300

73,014

90,707

17,693

Redemption schedule of other securities with maturities and debt securities being held to maturity

(in millions of yen)

As of September 30, 2013

As of March 31, 2013

within
1 year

1 year to
5 years

5 years to
10 years

over
10 years

within
1 year

1 year to
5 years

5 years to
10 years

over
10 years

Domestic bonds

12,985,356

18,020,358

5,079,464

1,408,486

13,816,874

22,915,704

5,192,758

2,408,680

Government bonds

12,728,992

17,021,998

4,764,138

588,193

13,500,613

21,851,882

4,825,360

1,578,095

Municipal bonds

30,172

123,849

48,636

379

27,482

100,010

84,118

394

Corporate bonds

226,192

874,510

266,689

819,913

288,777

963,811

283,279

830,191

Other

1,745,413

9,849,204

4,257,945

1,738,001

1,888,221

5,347,648

2,909,429

2,636,220

Foreign bonds

1,480,916

9,465,684

2,980,894

1,428,715

1,636,136

5,167,204

1,774,976

2,219,061

Other

264,497

383,520

1,277,050

309,285

252,084

180,443

1,134,452

417,158

Total

14,730,769

27,869,563

9,337,409

3,146,487

15,705,095

28,263,352

8,102,188

5,044,901

Mitsubishi UFJ Financial Group, Inc.

MUTB Non-consolidated

The tables include negotiable certificates of deposit in “Cash and due from banks”, beneficiary rights to the trust in “Monetary claims bought” in addition to “Securities”.

Fair Value Information on Securities

(in millions of yen)

As of September 30, 2013

As of March 31, 2013

Amount on
balance sheet

Differences

Gains

Losses

Amount on
balance sheet

Differences

Gains

Losses

Debt securities being held to maturity

300,464

1,257

1,374

117

538,123

3,230

—

Stocks of subsidiaries and affiliates

57,771

84,530

84,574

57,771

88,141

88,304

162

(in millions of yen)

As of September 30, 2013

As of March 31, 2013

Amount on
balance sheet

Differences

Gains

Losses

Amount on
balance sheet

Differences

Gains

Losses

Other securities

12,388,728

463,285

512,909

49,624

13,625,796

480,824

536,189

55,364

Domestic equity securities

879,426

338,526

361,326

22,799

785,736

242,718

272,627

29,909

Domestic bonds

6,146,916

37,089

37,251

162

6,908,030

71,889

72,241

351

Other

5,362,385

87,669

114,331

26,661

5,932,029

166,216

191,320

25,104

Foreign equity securities

487

149

—

480

115

—

Foreign bonds

4,950,627

58,499

82,003

23,504

5,476,133

162,317

164,102

1,785

Other

411,270

29,020

32,178

3,157

455,416

3,783

27,102

23,319

Redemption schedule of other securities with maturities and debt securities being held to maturity


	(in millions of yen)
	As of September 30, 2013								As of March 31, 2013
	within 1 year		1 year to 5 years		5 years to 10 years		over 10 years		within 1 year		1 year to 5 years		5 years to 10 years		over 10 years
Domestic bonds		832,526		4,628,130		874,695		26,494		444,643		4,589,698		2,062,709		43,835
Government bonds		792,306		4,413,066		809,464		10,205		384,142		4,364,518		1,980,452		27,250
Municipal bonds		—		176		—		43		—		—		194		45
Corporate bonds		40,220		214,887		65,231		16,245		60,500		225,179		82,061		16,539
Other		470,719		3,119,132		1,104,081		526,881		599,179		3,244,778		1,438,979		688,858
Foreign bonds		449,062		2,986,319		1,089,302		511,476		596,133		3,118,084		1,392,816		674,367
Other		21,657		132,812		14,779		15,404		3,045		126,693		46,163		14,491

Total		1,303,246		7,747,262		1,978,777		553,375		1,043,822		7,834,476		3,501,688		732,694

Mitsubishi UFJ Financial Group, Inc.

5. ROE

MUFG Consolidated

(%)

For the six months
ended
September 30, 2013
(A)

Increase (Decrease)
(A) - (B)

For the six months
ended
September 30, 2012
(B)

ROE*

10.03

3.89

6.14

Note:

* ROE is computed as follows:


Net income × 2 - Equivalent of annual dividends on nonconvertible preferred stocks			×100
{(Total shareholders’ equity at the beginning of the period - Number of nonconvertible preferred stocks at the beginning of the period × Issue price + Foreign currency translation adjustments at the beginning of the period) + (Total shareholders’ equity at the end of the period - Number of nonconvertible preferred stocks at the end of the period × Issue price + Foreign currency translation adjustments at the end of the period)} / 2

Mitsubishi UFJ Financial Group, Inc.

6. Risk-Adjusted Capital Ratio Based on the Basel 3 Standards

MUFG Consolidated


	(in billions of yen)
	As of September 30, 2013 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2013 (B)
(1) Common Equity Tier 1 capital ratio		11.77	%		0.07	%		11.70	%
(2) Tier 1 capital ratio		13.12	%		0.38	%		12.74	%
(3) Total capital ratio		16.84	%		0.16	%		16.68	%
(4) Tier 1 capital		11,998.6			783.8			11,214.8
Common Equity Tier 1 capital		10,765.6			465.1			10,300.5
(5) Tier 2 capital		3,409.2			(49.9	)		3,459.1
(6) Total capital (4)+(5)		15,407.8			733.9			14,673.9
(7) Risk weighted assets		91,448.5			3,479.9			87,968.6
(8) Required Capital		7,315.8			278.4			7,037.4

BTMU Consolidated

	(in billions of yen)
	As of September 30, 2013 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2013 (B)
(1) Common Equity Tier 1 capital ratio		11.54	%		(0.17	)%		11.71	%
(2) Tier 1 capital ratio		13.13	%		0.01	%		13.11	%
(3) Total capital ratio		17.26	%		(0.24	)%		17.51	%
(4) Tier 1 capital		9,442.6			426.8			9,015.7
Common Equity Tier 1 capital		8,300.6			247.9			8,052.7
(5) Tier 2 capital		2,973.6			(44.7	)		3,018.3
(6) Total capital (4)+(5)		12,416.2			382.1			12,034.1
(7) Risk weighted assets		71,908.9			3,189.5			68,719.3
(8) Required Capital		5,752.7			255.1			5,497.5

MUTB Consolidated

	(in billions of yen)
	As of September 30, 2013 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2013 (B)
(1) Common Equity Tier 1 capital ratio		14.72	%		1.60	%		13.12	%
(2) Tier 1 capital ratio		15.29	%		1.51	%		13.77	%
(3) Total capital ratio		19.72	%		1.92	%		17.79	%
(4) Tier 1 capital		1,613.3			38.2			1,575.1
Common Equity Tier 1 capital		1,554.0			53.4			1,500.5
(5) Tier 2 capital		467.8			7.4			460.4
(6) Total capital (4)+(5)		2,081.2			45.6			2,035.5
(7) Risk weighted assets		10,551.2			(886.0	)		11,437.2
(8) Required Capital		844.0			(70.8	)		914.9

BTMU Non-consolidated

	(in billions of yen)
	As of September 30, 2013 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2013 (B)
(1) Common Equity Tier 1 capital ratio		11.99	%		0.23	%		11.76	%
(2) Tier 1 capital ratio		14.21	%		0.22	%		13.99	%
(3) Total capital ratio		18.74	%		0.22	%		18.52	%
(4) Tier 1 capital		8,864.7			179.3			8,685.4
Common Equity Tier 1 capital		7,480.9			179.5			7,301.3
(5) Tier 2 capital		2,830.3			14.7			2,815.5
(6) Total capital (4)+(5)		11,695.1			194.1			11,501.0
(7) Risk weighted assets		62,379.2			300.2			62,079.0
(8) Required Capital		4,990.3			24.0			4,966.3

MUTB Non-consolidated

	(in billions of yen)
	As of September 30, 2013 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2013 (B)
(1) Common Equity Tier 1 capital ratio		13.97	%		1.48	%		12.49	%
(2) Tier 1 capital ratio		14.75	%		1.52	%		13.22	%
(3) Total capital ratio		19.94	%		1.99	%		17.94	%
(4) Tier 1 capital		1,550.9			48.5			1,502.4
Common Equity Tier 1 capital		1,469.3			49.5			1,419.7
(5) Tier 2 capital		545.4			8.8			536.6
(6) Total capital (4)+(5)		2,096.4			57.3			2,039.0
(7) Risk weighted assets		10,512.1			(848.5	)		11,360.6
(8) Required Capital		840.9			(67.8	)		908.8

Note:

Risk-adjusted capital ratio of MUFG is computed in accordance with the Notification of the Financial Services Agency No.20, 2006. Risk-adjusted capital ratio of BTMU and MUTB are computed in accordance with the Notification of the Financial Services Agency No.19, 2006. Required Capital is 8% of risk weighted assets.

Mitsubishi UFJ Financial Group, Inc.

7. Risk-Monitored Loans

MUFG Consolidated

(1)	Risk-Monitored Loans


	(in millions of yen)
	As of September 30, 2013 (A)		% to total loans and bills discounted			As of March 31, 2013 (B)		% to total loans and bills discounted			Increase (Decrease) (A) - (B)			% to total loans and bills discounted
Loans to bankrupt borrowers		69,617		0.07	%		74,348		0.08	%		(4,731	)		(0.00	)%
Non-accrual delinquent loans		1,057,413		1.11	%		1,189,791		1.30	%		(132,378	)		(0.19	)%
Accruing loans contractually past due 3 months or more		49,850		0.05	%		38,596		0.04	%		11,254			0.01	%
Restructured loans		591,766		0.62	%		641,730		0.70	%		(49,963	)		(0.08	)%

Total risk monitored loans		1,768,648		1.85	%		1,944,467		2.12	%		(175,819	)		(0.27	)%

Total loans and bills discounted		95,245,250		——			91,299,557		——			3,945,692			——

Written-off		571,587		——			619,561		——			(47,973	)		——
(2) Allowance for Credit Losses
	(in millions of yen)
	As of September 30, 2013 (A)		% to total risk monitored loans			As of March 31, 2013 (B)		% to total risk monitored loans			Increase (Decrease) (A) - (B)			% to total risk monitored loans
Allowance for credit losses		968,335		54.75	%		1,087,457		55.92	%		(119,121	)		(1.17	)%
General allowance for credit losses		659,908		——			729,080		——			(69,172	)		——
Specific allowance for credit losses		306,891		——			357,625		——			(50,734	)		——
Allowance for credit to specific foreign borrowers		1,536		——			751		——			785			——

(3)	Classification of Risk-Monitored Loans

Classified by Geographic Area


	(in millions of yen)
	As of September 30, 2013 (A)		As of March 31, 2013 (B)		Increase (Decrease) (A) - (B)
Domestic		1,507,188		1,680,314		(173,125	)
Overseas		261,459		264,153		(2,693	)
Asia		16,122		17,098		(975	)
Indonesia		3,453		2,982		471
Singapore		53		49		4
Thailand		6,270		4,871		1,398
Hong Kong		709		901		(192	)
China		862		1,813		(951	)
Other		4,772		6,478		(1,706	)
Americas		124,789		125,035		(246	)
Europe, Middle East and Other		120,548		122,019		(1,471	)

Total		1,768,648		1,944,467		(175,819	)

Classified by Industry


	(in millions of yen)
	As of September 30, 2013 (A)		As of March 31, 2013 (B)		Increase (Decrease) (A) - (B)
Domestic		1,507,188		1,680,314		(173,125	)
Manufacturing		254,458		299,745		(45,286	)
Construction		41,277		45,922		(4,644	)
Wholesale and retail		265,044		288,740		(23,696	)
Finance and insurance		8,159		14,521		(6,362	)
Real estate, goods rental and leasing		248,430		256,577		(8,146	)
Services		109,450		130,690		(21,240	)
Other industries		74,284		78,893		(4,609	)
Consumer		506,083		565,222		(59,139	)
Overseas		261,459		264,153		(2,693	)
Financial institutions		22,594		21,813		780
Commercial and industrial		104,524		119,280		(14,756	)
Other		134,339		123,058		11,281

Total		1,768,648		1,944,467		(175,819	)

Mitsubishi UFJ Financial Group, Inc.

BTMU Non-consolidated

(1)	Risk-Monitored Loans


	(in millions of yen)
	As of September 30, 2013 (A)		% to total loans and bills discounted			As of March 31, 2013 (B)		% to total loans and bills discounted			Increase (Decrease) (A) - (B)			% to total loans and bills discounted
Loans to bankrupt borrowers		57,770		0.07	%		69,898		0.09	%		(12,128	)		(0.01	)%
Non-accrual delinquent loans		893,543		1.17	%		989,654		1.33	%		(96,111	)		(0.16	)%
Accruing loans contractually past due 3 months or more		58,799		0.07	%		57,611		0.07	%		1,187			(0.00	)%
Restructured loans		433,977		0.56	%		475,536		0.64	%		(41,558	)		(0.07	)%

Total risk monitored loans		1,444,090		1.89	%		1,592,701		2.14	%		(148,611	)		(0.25	)%

Total loans and bills discounted		76,327,721		——			74,104,875		——			2,222,846			——

Written-off		388,547		——			419,354		——			(30,807	)		——
(2) Allowance for Credit Losses
	(in millions of yen)
	As of September 30, 2013 (A)		% to total risk monitored loans			As of March 31, 2013 (B)		% to total risk monitored loans			Increase (Decrease) (A) - (B)			% to total risk monitored loans
Allowance for credit losses		664,191		45.99	%		755,053		47.40	%		(90,862	)		(1.41	)%
General allowance for credit losses		415,916		——			478,576		——			(62,659	)		——
Specific allowance for credit losses		246,738		——			275,726		——			(28,988	)		——
Allowance for credit to specific foreign borrowers		1,536		——			751		——			785			——

(3)	Classification of Risk-Monitored Loans

Classified by Geographic Area


	(in millions of yen)
	As of September 30, 2013 (A)		As of March 31, 2013 (B)		Increase (Decrease) (A) - (B)
Domestic		1,286,562		1,430,597		(144,034	)
Overseas		157,527		162,104		(4,576	)
Asia		8,365		9,182		(817	)
Indonesia		1,445		1,474		(29	)
Singapore		53		49		4
Thailand		1,477		364		1,112
Hong Kong		709		901		(192	)
China		—		—		—
Other		4,679		6,392		(1,713	)
Americas		32,621		35,027		(2,406	)
Europe, Middle East and Other		116,541		117,893		(1,352	)

Total		1,444,090		1,592,701		(148,611	)

Classified by Industry


	(in millions of yen)
	As of September 30, 2013 (A)		As of March 31, 2013 (B)		Increase (Decrease) (A) - (B)
Domestic		1,286,562		1,430,597		(144,034	)
Manufacturing		243,765		273,332		(29,567	)
Construction		40,083		44,511		(4,428	)
Wholesale and retail		262,011		285,854		(23,842	)
Finance and insurance		6,575		12,837		(6,261	)
Real estate		227,632		231,707		(4,075	)
Goods rental and leasing		4,164		5,497		(1,332	)
Services		108,127		129,493		(21,365	)
Other industries		72,445		76,495		(4,049	)
Consumer		321,757		370,868		(49,111	)
Overseas		157,527		162,104		(4,576	)
Financial institutions		22,548		21,120		1,427
Commercial and industrial		58,815		67,985		(9,169	)
Other		76,163		72,998		3,165

Total		1,444,090		1,592,701		(148,611	)

Mitsubishi UFJ Financial Group, Inc.

MUTB Non-consolidated

(1)	Risk-Monitored Loans


	(in millions of yen)
	As of September 30, 2013 (A)		% to total loans and bills discounted			As of March 31, 2013 (B)		% to total loans and bills discounted			Increase (Decrease) (A) - (B)			% to total loans and bills discounted
Loans to bankrupt borrowers		429		0.00	%		724		0.00	%		(295	)		(0.00	)%
Non-accrual delinquent loans		28,535		0.25	%		48,689		0.43	%		(20,153	)		(0.18	)%
Accruing loans contractually past due 3 months or more		477		0.00	%		367		0.00	%		110			0.00	%
Restructured loans		18,470		0.16	%		18,695		0.16	%		(225	)		(0.00	)%

Total risk monitored loans		47,913		0.42	%		68,477		0.60	%		(20,564	)		(0.18	)%

Total loans and bills discounted		11,390,190		——			11,273,483		——			116,707			——

Written-off		18,496		——			18,609		——			(112	)		——
(2) Allowance for Credit Losses
	(in millions of yen)
	As of September 30, 2013 (A)		% to total risk monitored loans			As of March 31, 2013 (B)		% to total risk monitored loans			Increase (Decrease) (A) - (B)			% to total risk monitored loans
Allowance for credit losses		37,956		79.21	%		64,790		94.61	%		(26,834	)		(15.39	)%
General allowance for credit losses		28,850		——			40,330		——			(11,479	)		——
Specific allowance for credit losses		9,105		——			24,460		——			(15,354	)		——
Allowance for credit to specific foreign borrowers		0		——			—		——			0			——

(3)	Classification of Risk-Monitored Loans

Classified by Geographic Area


	(in millions of yen)
	As of September 30, 2013 (A)		As of March 31, 2013 (B)		Increase (Decrease) (A) - (B)
Domestic		43,893		64,338		(20,445	)
Overseas		4,020		4,139		(119	)
Asia		—		—		—
Indonesia		—		—		—
Singapore		—		—		—
Thailand		—		—		—
Hong Kong		—		—		—
China		—		—		—
Other		—		—		—
Americas		13		13		(0	)
Europe, Middle East and Other		4,006		4,125		(119	)

Total		47,913		68,477		(20,564	)

Classified by Industry


	(in millions of yen)
	As of September 30, 2013 (A)		As of March 31, 2013 (B)		Increase (Decrease) (A) - (B)
Domestic		43,893		64,338		(20,445	)
Manufacturing		10,648		26,366		(15,717	)
Construction		1,158		1,378		(220	)
Wholesale and retail		2,778		2,622		155
Finance and insurance		1,554		1,654		(100	)
Real estate		16,403		19,015		(2,611	)
Goods rental and leasing		—		—		—
Services		1,284		1,158		126
Other industries		1,832		2,383		(550	)
Consumer		8,232		9,758		(1,526	)
Overseas		4,020		4,139		(119	)
Financial institutions		—		—		—
Commercial and industrial		4,006		4,125		(119	)
Other		13		13		(0	)

Total		47,913		68,477		(20,564	)

Mitsubishi UFJ Financial Group, Inc.

MUTB Non-consolidated: Trust Account

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

(1)	Risk-Monitored Loans


	(in millions of yen)
	As of September 30, 2013 (A)		% to total loans and bills discounted			As of March 31, 2013 (B)		% to total loans and bills discounted			Increase (Decrease) (A) - (B)			% to total loans and bills discounted
Loans to bankrupt borrowers		74		0.20	%		73		0.18	%		0			0.02	%
Non-accrual delinquent loans		—		—			0		0.00	%		(0	)		(0.00	)%
Accruing loans contractually past due 3 months or more		158		0.44	%		158		0.40	%		—			0.04	%
Restructured loans		1,417		3.95	%		418		1.06	%		998			2.89	%

Total risk monitored loans		1,650		4.60	%		651		1.65	%		998			2.95	%

Total loans and bills discounted		35,804		——			39,428		——			(3,623	)		——

(2)	Allowance for Credit Losses

(in millions of yen)

As of
September 30, 2013
(A)

As of
March 31, 2013
(B)

Increase
(Decrease)
(A) - (B)

Allowance for bad debts

107

117

(10

)

(3)	Classification of Risk-Monitored Loans

Classified by Industry


	(in millions of yen)
	As of September 30, 2013 (A)		As of March 31, 2013 (B)		Increase (Decrease) (A) - (B)
Domestic		1,650		651		998
Manufacturing		—		—		—
Construction		—		—		—
Wholesale and retail		—		—		—
Finance and insurance		—		—		—
Real estate		829		463		365
Goods rental and leasing		—		—		—
Services		—		—		—
Other industries		—		—		—
Consumer		820		187		633

Total		1,650		651		998

Mitsubishi UFJ Financial Group, Inc.

8. Non Performing Loans Based on the Financial Reconstruction Law (the “FRL”)

BTMU and MUTB Combined including Trust Account

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

(1)	Non Performing Loans


	(in millions of yen)
	As of September 30, 2013 (A)			As of March 31, 2013 (B)			Increase (Decrease) (A) - (B)
Bankrupt or De facto Bankrupt		127,632			134,387			(6,754	)
Doubtful		881,542			1,009,807			(128,265	)
Special Attention		512,543			552,661			(40,117	)
Non Performing Loans (1)		1,521,718			1,696,856			(175,137	)

Normal		94,949,586			92,564,910			2,384,676

Total		96,471,305			94,261,767			2,209,538

Non Performing Loans / Total		1.57	%		1.80	%		(0.22	)%

(2) Status of Coverage of Non Performing Loans
	(in millions of yen)
	As of September 30, 2013 (A)			As of March 31, 2013 (B)			Increase (Decrease) (A) - (B)
Covered amount (2)		1,189,900			1,329,059			(139,159	)
Allowance for credit losses		377,143			432,363			(55,219	)
Collateral, guarantees, etc.		812,757			896,696			(83,939	)

Coverage ratio (2) / (1)		78.19	%		78.32	%		(0.13	)%

(3)	Coverage Ratio

(in millions of yen)

Category

Loan amount (A)

Allowance for
credit losses (B)

Covered by
collateral and/or
guarantees (C)

Coverage ratio for
unsecured portion
(B) / [(A) - (C)]

Coverage ratio
[(B) + (C)] / (A)

Bankrupt or De facto Bankrupt

127,632

2,798

124,834

100.00

[134,387

]

[3,112

]

[131,275

]

[100.00

Doubtful

881,542

249,641

412,967

75.16

[1,009,807

]

[292,093

]

[449,758

]

[73.46

Special Attention

512,543

124,703

274,955

77.97

[552,661

]

[137,157

]

[315,662

]

[81.93

Total

1,521,718

377,143

812,757

78.19

[1,696,856

]

[432,363

]

[896,696

]

[78.32

Note:

The upper figures are as of September 30, 2013. The lower figures with brackets are as of March 31, 2013.

(4)	Classified by Industry


	(in millions of yen)
	As of September 30, 2013 (A)		As of March 31, 2013 (B)		Increase (Decrease) (A) - (B)
Domestic		1,358,608		1,527,856		(169,247	)
Manufacturing		258,436		304,787		(46,350	)
Construction		41,562		46,312		(4,750	)
Wholesale and retail		277,618		304,816		(27,197	)
Finance and insurance		10,205		16,562		(6,356	)
Real estate		247,658		254,409		(6,750	)
Goods rental and leasing		4,164		5,540		(1,376	)
Services		110,758		132,975		(22,216	)
Other industries		77,004		81,231		(4,226	)
Consumer		331,198		381,221		(50,022	)
Overseas		163,110		169,000		(5,889	)
Financial institutions		22,548		21,120		1,427
Commercial and industrial		64,385		74,868		(10,483	)
Other		76,176		73,011		3,165

Total		1,521,718		1,696,856		(175,137	)

Mitsubishi UFJ Financial Group, Inc.

BTMU Non-consolidated

(1)	Non Performing Loans


	(in millions of yen)
	As of September 30, 2013 (A)			As of March 31, 2013 (B)			Increase (Decrease) (A) - (B)
Bankrupt or De facto Bankrupt		124,748			131,440			(6,691	)
Doubtful		854,591			963,102			(108,510	)
Special Attention		492,776			533,147			(40,371	)
Non Performing Loans (1)		1,472,116			1,627,690			(155,573	)

Normal		83,336,419			80,996,276			2,340,143

Total		84,808,535			82,623,966			2,184,569

Non Performing Loans / Total		1.73	%		1.96	%		(0.23	)%

(2) Status of Coverage of Non Performing Loans

	(in millions of yen)
	As of September 30, 2013 (A)			As of March 31, 2013 (B)			Increase (Decrease) (A) - (B)
Covered amount (2)		1,146,834			1,269,524			(122,689	)
Allowance for credit losses		363,118			403,333			(40,215	)
Collateral, guarantees, etc.		783,715			866,190			(82,474	)

Coverage ratio (2) / (1)		77.90	%		77.99	%		(0.09	)%

(3)	Coverage Ratio

(in millions of yen)

Category

Loan amount (A)

Allowance for
credit losses (B)

Covered by
collateral and/or
guarantees (C)

Coverage ratio for
unsecured portion
(B) / [(A) - (C)]

Coverage ratio
[(B) + (C)] / (A)

Bankrupt or De facto Bankrupt

124,748

2,766

121,981

100.00

[131,440

]

[3,095

]

[128,344

]

[100.00

Doubtful

854,591

241,206

399,623

53.01

74.98

[963,102

]

[268,291

]

[434,703

]

[50.77

[72.99

Special Attention

492,776

119,145

262,110

51.65

77.36

[533,147

]

[131,946

]

[303,142

]

[57.36

[81.60

Total

1,472,116

363,118

783,715

52.74

77.90

[1,627,690

]

[403,333

]

[866,190

]

[52.96

[77.99

Note:

The upper figures are as of September 30, 2013. The lower figures with brackets are as of March 31, 2013.

(4)	Classified by Industry


	(in millions of yen)
	As of September 30, 2013 (A)		As of March 31, 2013 (B)		Increase (Decrease) (A) - (B)
Domestic		1,313,027		1,462,830		(149,803	)
Manufacturing		247,787		278,421		(30,633	)
Construction		40,390		44,933		(4,543	)
Wholesale and retail		274,839		302,193		(27,354	)
Finance and insurance		8,651		14,907		(6,256	)
Real estate		230,425		234,929		(4,503	)
Goods rental and leasing		4,164		5,540		(1,376	)
Services		109,473		131,816		(22,342	)
Other industries		75,171		78,847		(3,676	)
Consumer		322,123		371,239		(49,116	)
Overseas		159,088		164,859		(5,770	)
Financial institutions		22,548		21,120		1,427
Commercial and industrial		60,376		70,740		(10,363	)
Other		76,163		72,998		3,165

Total		1,472,116		1,627,690		(155,573	)

Mitsubishi UFJ Financial Group, Inc.

MUTB Non-consolidated

(1)	Non Performing Loans


	(in millions of yen)
	As of September 30, 2013 (A)			As of March 31, 2013 (B)			Increase (Decrease) (A) - (B)
Bankrupt or De facto Bankrupt		2,809			2,872			(63	)
Doubtful		26,194			46,579			(20,384	)
Special Attention		18,947			19,063			(115	)
Non Performing Loans (1)		47,952			68,515			(20,562	)


Normal		11,579,013			11,529,857			49,155

Total		11,626,965			11,598,373			28,592

Non Performing Loans / Total		0.41	%		0.59	%		(0.17	)%

(2)	Status of Coverage of Non Performing Loans


	(in millions of yen)
	As of September 30, 2013 (A)			As of March 31, 2013 (B)			Increase (Decrease) (A) - (B)
Covered amount (2)		41,752			58,987			(17,234	)
Allowance for credit losses		14,025			29,029			(15,004	)
Collateral, guarantees, etc.		27,727			29,957			(2,230	)

Coverage ratio (2) / (1)		87.07	%		86.09	%		0.97	%

(3)	Coverage Ratio

(in millions of yen)

Category

Loan amount (A)

Allowance for
credit losses (B)

Covered by
collateral and/or
guarantees (C)

Coverage ratio for
unsecured portion
(B) / [(A) - (C)]

Coverage ratio
[(B) + (C)] / (A)

Bankrupt or De facto Bankrupt

2,809

2,777

100.00

[2,872

]

[16

]

[2,856

]

[100.00

Doubtful

26,194

8,434

12,684

62.43

80.62

[46,579

]

[23,802

]

[14,965

]

[75.28

[83.22

Special Attention

18,947

5,558

12,265

83.17

94.06

[19,063

]

[5,210

]

[12,136

]

[75.22

[90.99

Total

47,952

14,025

27,727

69.34

87.07

[68,515

]

[29,029

]

[29,957

]

[75.28

[86.09

Note:

The upper figures are as of September 30, 2013. The lower figures with brackets are as of March 31, 2013.

(4)	Classified by Industry


	(in millions of yen)
	As of September 30, 2013 (A)		As of March 31, 2013 (B)		Increase (Decrease) (A) - (B)
Domestic		43,930		64,373		(20,443	)
Manufacturing		10,648		26,366		(15,717	)
Construction		1,171		1,378		(207	)
Wholesale and retail		2,779		2,622		157
Finance and insurance		1,554		1,654		(100	)
Real estate		16,403		19,015		(2,611	)
Goods rental and leasing		—		—		—
Services		1,285		1,158		126
Other industries		1,833		2,383		(550	)
Consumer		8,254		9,793		(1,539	)
Overseas		4,022		4,141		(119	)
Financial institutions		—		—		—
Commercial and industrial		4,008		4,128		(119	)
Other		13		13		(0	)

Total		47,952		68,515		(20,562	)

Mitsubishi UFJ Financial Group, Inc.

MUTB Non-consolidated: Trust Account

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

(1)	Non Performing Loans


	(in millions of yen)
	As of September 30, 2013 (A)			As of March 31, 2013 (B)			Increase (Decrease) (A) - (B)
Bankrupt or De facto Bankrupt		74			74			0
Doubtful		755			126			629
Special Attention		819			451			368
Non Performing Loans (1)		1,650			651			998


Normal		34,154			38,776			(4,622	)

Total		35,804			39,428			(3,623	)

Non Performing Loans / Total		4.60	%		1.65	%		2.95	%

(2) Status of Coverage of Non Performing Loans

	(in millions of yen)
	As of September 30, 2013 (A)			As of March 31, 2013 (B)			Increase (Decrease) (A) - (B)
Covered amount (2)		1,313			548			765
Allowance for credit losses		—			—			—
Collateral, guarantees, etc.		1,313			548			765

Coverage ratio (2) / (1)		79.61	%		84.23	%		(4.62	)%

(3)	Coverage Ratio

(in millions of yen)

Category

Loan amount (A)

Allowance for
credit losses (B)

Covered by
collateral and/or
guarantees (C)

Coverage ratio for
unsecured portion
(B) / [(A) - (C)]

Coverage ratio
[(B) + (C)] / (A)

Bankrupt or De facto Bankrupt

—

100.00

[74

]

[—

]

[74

]

[100.00

Doubtful

755

—

659

87.29

[126

]

[—

]

[90

]

[71.68

Special Attention

819

—

579

70.66

[451

]

[—

]

[384

]

[85.14

Total

1,650

—

1,313

79.61

[651

]

[—

]

[548

]

[84.23

Note:

The upper figures are as of September 30, 2013. The lower figures with brackets are as of March 31, 2013.

(4)	Classified by Industry


	(in millions of yen)
	As of September 30, 2013 (A)		As of March 31, 2013 (B)		Increase (Decrease) (A) - (B)
Domestic		1,650		651		998
Manufacturing		—		—		—
Construction		—		—		—
Wholesale and retail		—		—		—
Finance and insurance		—		—		—
Real estate		829		463		365
Goods rental and leasing		—		—		—
Services		—		—		—
Other industries		—		—		—
Consumer		820		187		633

Total		1,650		651		998

Mitsubishi UFJ Financial Group, Inc.

Overview of Non-Performing Loans

BTMU and MUTB Combined

(in billions of yen)

Self-Assessment

Coverage
ratio for
unsecured
portion

Non-Performing Loans
Based on the “FRL”

Risk-Monitored Loans

Category of

Borrowers

Classification

Non-
Classification

Classification
II

Classification
III

Classification
IV

Bankrupt

Borrowers

[124.7]

[2.0]

[0.7]
(*1)

100.00%

i ) Bankrupt or
De facto Bankrupt
[127.5]

Loans to bankrupt

borrowers

[58.2]

Substantially

Bankrupt

Borrowers

Non-accrual
delinquent loans
[922.0]

Potentially

Bankrupt

Borrowers

[415.5]

[465.1]

53.28%

ii ) Doubtful

[880.7]

Borrowers Requiring Caution

(Special

Attention Borrowers)

[511.7]

52.54%

iii ) Special Attention

[511.7]

Accruing loans
contractually past due
3 months or more

[59.2]

Restructured loans

452.4

Borrowers Requiring Caution
(Other Borrowers)

iv ) Normal

[94,915.4]

Normal

Borrowers

Non-Performing Loans

Based on the “FRL”

Risk-Monitored Loans

i ) + ii ) + iii )

1,520.0

1,492.0

Total

i ) + ii ) + iii ) + iv )

96,435.5

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

Mitsubishi UFJ Financial Group, Inc.

9. Progress in Disposition of Problem Assets

BTMU Non-consolidated

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


	(in millions of yen)
	As of March 31, 2011		As of March 31, 2012		As of March 31, 2013 (A)		As of September 30, 2013 (B)		(B) - (A)
Assets newly categorized during fiscal 2010		391,086		266,572		221,221		186,198		(35,022	)
Assets newly categorized during fiscal 2011				393,988		281,203		210,547		(70,655	)
Assets newly categorized during fiscal 2012						340,637		274,239		(66,397	)
Assets newly categorized during fiscal 2013								100,839

(2)	Progress in Disposition of Problem Assets


	(in millions of yen)
	For the first half of the fiscal year ended September 30, 2013
			Bankrupt or De facto Bankrupt		Doubtful
Liquidation		7,551		——		——
Reconstructive treatment		23,418		——		——
Upgrade due to reconstructive treatment		7,638		——		——
Loan sold to secondary market		13,731		——		——
Write-offs		40,867		——		——
Others		122,836		——		——
Collection / Repayment		70,373		——		——
Upgrade		52,462		——		——

Total		216,042		29,356		186,686


Amount in process for disposition		114,649

Note:

The process for disposition consists of legal liquidation, quasi-legal liquidation, company splits to good 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 revitalization of companies, which are scheduled to be off-balanced before their maturities.

Mitsubishi UFJ Financial Group, Inc.

MUTB 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 “FRL”


	(in millions of yen)
	As of March 31, 2011		As of March 31, 2012		As of March 31, 2013 (A)		As of September 30, 2013 (B)		(B) - (A)
Assets newly categorized during fiscal 2010		11,071		2,207		1,239		1,028		(211	)
Assets newly categorized during fiscal 2011				27,155		17,759		2,733		(15,026	)
Assets newly categorized during fiscal 2012						15,711		11,325		(4,385	)
Assets newly categorized during fiscal 2013								2,055

(2)	Progress in Disposition of Problem Assets


	(in millions of yen)
	For the first half of the fiscal year ended September 30, 2013
			Bankrupt or De facto Bankrupt		Doubtful
Liquidation		—		——		——
Reconstructive treatment		9,112		——		——
Upgrade due to reconstructive treatment		4,422		——		——
Loan sold to secondary market		856		——		——
Write-offs		1,763		——		——
Others		4,984		——		——
Collection / Repayment		4,300		——		——
Upgrade		684		——		——

Total		21,139		679		20,459


Amount in process for disposition		4,131

Note:

Mitsubishi UFJ Financial Group, Inc.

10. Loans Classified by Type of Industry, Domestic Consumer Loans, Domestic Loans to Small/Medium-Sized

Companies and Proprietors

BTMU and MUTB Combined including Trust Accounts

(1)	Loans Classified by Type of Industry


	(in millions of yen)
	As of September 30, 2013 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2013 (B)
Domestic offices (excluding loans booked at offshore markets)		67,711,115			921,002			66,790,112
Manufacturing		9,527,622			(50,426	)		9,578,048
Agriculture, forestry, fishery, mining, quarrying of stone and gravel		147,159			14,866			132,293
Construction		872,796			(27,597	)		900,393
Utilities		1,611,424			31,553			1,579,871
Communication and information services		1,181,772			54,253			1,127,519
Transport and postal activities		2,325,534			(21,153	)		2,346,687
Wholesale and retail		6,572,412			41,298			6,531,114
Finance and insurance		7,284,092			(157,578	)		7,441,670
Real estate		8,970,474			(159,459	)		9,129,933
Goods rental and leasing		1,463,320			(94,761	)		1,558,081
Services		2,862,043			166,127			2,695,916
Municipal government		821,311			(59,304	)		880,615
Other industries		24,071,143			1,183,183			22,887,960
Overseas offices and loans booked at offshore markets		20,108,488			1,416,588			18,691,900

Total		87,819,604			2,337,590			85,482,013

(2) Domestic Consumer Loans
	(in millions of yen)
	As of September 30, 2013 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2013 (B)
Total domestic consumer loans		17,118,963			(187,031	)		17,305,994
Housing loans		16,390,378			(199,993	)		16,590,372
Residential purpose		13,459,503			(62,003	)		13,521,507
Other		728,584			12,961			715,622
(3) Domestic Loans to Small/Medium-Sized Companies and Proprietors
	(in millions of yen)
	As of September 30, 2013 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2013 (B)
Outstanding amount		38,290,866			56,158			38,234,708
% to total domestic loans		56.55	%		(0.69	)%		57.24	%

Mitsubishi UFJ Financial Group, Inc.

BTMU Non-consolidated

(1)	Loans Classified by Type of Industry


	(in millions of yen)
	As of September 30, 2013 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2013 (B)
Domestic offices (excluding loans booked at offshore markets)		57,618,844			1,013,074			56,605,769
Manufacturing		7,436,409			(3,899	)		7,440,308
Agriculture, forestry, fishery, mining, quarrying of stone and gravel		142,093			14,053			128,040
Construction		769,651			(24,396	)		794,047
Utilities		1,190,813			53,346			1,137,467
Communication and information services		893,395			55,009			838,386
Transport and postal activities		1,654,823			(1,585	)		1,656,408
Wholesale and retail		5,591,339			19,268			5,572,071
Finance and insurance		5,672,169			(123,255	)		5,795,424
Real estate		7,122,849			(122,195	)		7,245,044
Goods rental and leasing		891,250			(106,847	)		998,097
Services		2,666,837			147,084			2,519,753
Municipal government		805,067			(53,674	)		858,741
Other industries		22,782,149			1,160,166			21,621,983
Overseas offices and loans booked at offshore markets		18,708,877			1,209,772			17,499,105

Total		76,327,721			2,222,846			74,104,875

(2) Domestic Consumer Loans
	(in millions of yen)
	As of September 30, 2013 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2013 (B)
Total domestic consumer loans		15,889,372			(201,136	)		16,090,509
Housing loans		15,169,333			(215,840	)		15,385,173
Residential purpose		12,472,932			(93,897	)		12,566,829
Other		720,039			14,704			705,335
(3) Domestic Loans to Small/Medium-Sized Companies and Proprietors
	(in millions of yen)
	As of September 30, 2013 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2013 (B)
Outstanding amount		33,531,694			60,286			33,471,408
% to total domestic loans		58.19	%		(0.93	)%		59.13	%

Mitsubishi UFJ Financial Group, Inc.

MUTB Non-consolidated

(1)	Loans Classified by Type of Industry


	(in millions of yen)
	As of September 30, 2013 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2013 (B)
Domestic offices (excluding loans booked at offshore markets)		9,990,578			(90,109	)		10,080,688
Manufacturing		2,091,213			(46,527	)		2,137,740
Agriculture, forestry, fishery, mining, quarrying of stone and gravel		5,066			813			4,253
Construction		103,145			(3,201	)		106,346
Utilities		420,611			(21,793	)		442,404
Communication and information services		288,377			(756	)		289,133
Transport and postal activities		667,736			(19,704	)		687,440
Wholesale and retail		981,073			22,030			959,043
Finance and insurance		1,611,923			(34,323	)		1,646,246
Real estate		1,832,948			(36,059	)		1,869,007
Goods rental and leasing		572,070			12,086			559,984
Services		195,192			19,434			175,758
Municipal government		10,692			(5,602	)		16,294
Other industries		1,210,522			23,491			1,187,031
Overseas offices and loans booked at offshore markets		1,399,611			206,816			1,192,794

Total		11,390,190			116,707			11,273,483


(2) Domestic Consumer Loans
	(in millions of yen)
	As of September 30, 2013 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2013 (B)
Total domestic consumer loans		1,214,905			15,463			1,199,442
Housing loans		1,206,570			17,171			1,189,398
Residential purpose		973,543			33,058			940,485
Other		8,335			(1,707	)		10,043

(3) Domestic Loans to Small/Medium-Sized Companies and Proprietors
	(in millions of yen)
	As of September 30, 2013 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2013 (B)
Outstanding amount		4,666,007			(2,059	)		4,668,066
% to total domestic loans		46.70	%		0.39	%		46.30	%

Mitsubishi UFJ Financial Group, Inc.

MUTB Non-consolidated: Trust Accounts

(1)	Loans Classified by Type of Industry


	(in millions of yen)
	As of September 30, 2013 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2013 (B)
Domestic offices (excluding loans booked at offshore markets)		101,692			(1,962	)		103,654
Manufacturing		—			—			—
Agriculture, forestry, fishery, mining, quarrying of stone and gravel		—			—			—
Construction		—			—			—
Utilities		—			—			—
Communication and information services		—			—			—
Transport and postal activities		2,975			136			2,839
Wholesale and retail		—			—			—
Finance and insurance		—			—			—
Real estate		14,677			(1,205	)		15,882
Goods rental and leasing		—			—			—
Services		14			(391	)		405
Municipal government		5,552			(28	)		5,580
Other industries		78,472			(474	)		78,946
Overseas offices and loans booked at offshore markets		—			—			—

Total		101,692			(1,962	)		103,654


(2) Domestic Consumer Loans
	(in millions of yen)
	As of September 30, 2013 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2013 (B)
Total domestic consumer loans		14,685			(1,358	)		16,043
Housing loans		14,475			(1,324	)		15,799
Residential purpose		13,028			(1,164	)		14,192
Other		209			(34	)		243

(3) Domestic Loans to Small/Medium-Sized Companies and Proprietors
	(in millions of yen)
	As of September 30, 2013 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2013 (B)
Outstanding amount		93,165			(2,069	)		95,234
% to total domestic loans		91.61	%		(0.26	)%		91.87	%

Mitsubishi UFJ Financial Group, Inc.

11. Overseas Loans

BTMU and MUTB Combined


	(in millions of yen)
	As of September 30, 2013 (A)		Increase (Decrease) (A) - (B)			As of March 31, 2013 (B)
Asia		6,104,207		388,364			5,715,843
Thailand		827,070		41,339			785,730
Indonesia		638,051		45,395			592,656
Malaysia		367,627		19,447			348,180
Philippines		138,744		19,329			119,415
South Korea		410,959		46,266			364,692
Singapore		1,009,007		86,157			922,849
Hong Kong		1,507,342		166,549			1,340,793
China		147,476		28,608			118,867
Taiwan		256,057		5,801			250,255
Others		801,870		(70,530	)		872,400
Latin America		2,581,493		331,975			2,249,517
Argentina		2,924		(3,501	)		6,426
Brazil		366,579		135,110			231,468
Mexico		182,284		10,733			171,551
Caribbean countries		1,708,116		131,898			1,576,217
Others		321,588		57,734			263,853
North America		4,685,424		356,899			4,328,525
United States of America		4,449,592		326,697			4,122,894
Canada		235,832		30,201			205,630
Western Europe		4,199,654		172,209			4,027,445
United Kingdom		1,508,249		152,319			1,355,929
Germany		430,991		34,115			396,876
France		361,612		(57,145	)		418,758
Netherlands		621,838		124,854			496,983
Spain		300,266		7,706			292,560
Italy		256,521		7,020			249,500
Others		720,174		(96,661	)		816,836
Eastern Europe		578,473		31,870			546,603
Others		3,212,950		76,023			3,136,927

Total		21,362,204		1,357,342			20,004,862

Note:

In addition to the (non-consolidated basis) loan balance stated above, three major overseas subsidiaries have the following loan balances in the consolidated financial statements.

UnionBanCal Corporation : ¥6,395,808 million (a 1,287,364 million yen increase as compared with March 31, 2013.)

Bank of Tokyo-Mitsubishi UFJ (China), Ltd.: ¥1,128,942 million (a 134,254 million yen increase as compared with March 31, 2013.)

Bank of Tokyo-Mitsubishi UFJ (Holland) N.V.: ¥712,486 million (a 69,980 million yen increase as compared with March 31, 2013.)

Mitsubishi UFJ Financial Group, Inc.

12. Loans and Deposits

BTMU and MUTB Combined


	(in millions of yen)
	As of September 30, 2013 (A)		Increase (Decrease) (A) - (B)		As of March 31, 2013 (B)
Deposits (ending balance)		126,612,329		2,677,877		123,934,452
Deposits (average balance)		123,989,351		3,923,640		120,065,710
Loans (ending balance)		87,717,912		2,339,553		85,378,358
Loans (average balance)		86,591,675		3,520,847		83,070,827

BTMU Non-consolidated


	(in millions of yen)
	As of September 30, 2013 (A)		Increase (Decrease) (A) - (B)		As of March 31, 2013 (B)
Deposits (ending balance)		114,284,127		2,129,840		112,154,287
Deposits (average balance)		111,769,707		3,765,359		108,004,347
Loans (ending balance)		76,327,721		2,222,846		74,104,875
Loans (average balance)		75,380,385		3,067,842		72,312,543

MUTB Non-consolidated


	(in millions of yen)
	As of September 30, 2013 (A)		Increase (Decrease) (A) - (B)		As of March 31, 2013 (B)
Deposits (ending balance)		12,328,202		548,037		11,780,164
Deposits (average balance)		12,219,644		158,281		12,061,362
Loans (ending balance)		11,390,190		116,707		11,273,483
Loans (average balance)		11,211,289		453,005		10,758,284

Mitsubishi UFJ Financial Group, Inc.

13. Domestic Deposits

BTMU and MUTB Combined


	(in millions of yen)
	As of September 30, 2013 (A)		Increase (Decrease) (A) - (B)			As of March 31, 2013 (B)
Individuals		68,051,811		708,995			67,342,815
Corporations and others		43,136,238		(516,702	)		43,652,940
Domestic deposits		111,188,049		192,293			110,995,756

Note:

Amounts do not include negotiable certificates of deposit and JOM accounts.

BTMU Non-consolidated


	(in millions of yen)
	As of September 30, 2013 (A)		Increase (Decrease) (A) - (B)			As of March 31, 2013 (B)
Individuals		59,670,173		675,157			58,995,016
Corporations and others		40,255,563		(702,798	)		40,958,362
Domestic deposits		99,925,736		(27,641	)		99,953,378

Note:

Amounts do not include negotiable certificates of deposit and JOM accounts.

MUTB Non-consolidated

(in millions of yen)

As of
September 30, 2013
(A)

Increase
(Decrease)
(A) - (B)

As of
March 31, 2013
(B)

Individuals

8,381,638

33,838

8,347,799

Corporations and others

2,880,674

186,095

2,694,578

Domestic deposits

11,262,312

219,934

11,042,377

Note:

Amounts do not include negotiable certificates of deposit and JOM accounts.

Mitsubishi UFJ Financial Group, Inc.

14. Status of Deferred Tax Assets

BTMU Non-consolidated

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


	(in billions of yen)
	As of September 30, 2013 (A)			Increase (Decrease) (A) - (B)			As of March 31,2013 (B)
Deferred tax assets		629.9			(54.0	)		684.0
Allowance for credit losses		326.1			(32.4	)		358.6
Write-down on investment securities		164.4			(9.8	)		174.3
Unrealized losses on other securities		30.4			(17.4	)		47.8
Reserve for retirement benefits		94.5			0.4			94.0
Other		240.2			(9.7	)		250.0
Valuation allowance		(225.9	)		14.8			(240.8	)
Deferred tax liabilities		631.4			(47.8	)		679.3
Unrealized gains on other securities		434.3			(27.1	)		461.5
Net deferred gains on hedges		37.7			(24.5	)		62.3
Revaluation gains on securities upon merger		72.5			4.9			67.6
Gains on securities contributed to employee retirement benefits trust		58.0			0.0			57.9
Other		28.8			(1.0	)		29.8
Net deferred tax assets		(1.4	)		(6.2	)		4.7

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


	(in billions of yen)
	FY2008			FY2009			FY2010			FY2011			FY2012			Interim FY2013
Net business profits before provision for general allowance for credit losses		710.8			863.1			1,006.5			1,022.8			1,001.5			417.9
Total credit costs		(393.4	)		(337.8	)		(166.1	)		(125.3	)		(56.6	)		27.8
Income before income taxes		(195.1	)		460.1			674.4			739.5			877.4			430.5
Reconciliation to taxable income		789.1			(3.7	)		(24.0	)		(305.1	)		(561.4	)		(114.3	)
Taxable income		593.9			456.3			650.3			434.3			316.0			316.2

(3)	Classification Based on Prior Year Operating Results as Provided in the JICPA Audit Committee Report No.66

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

Mitsubishi UFJ Financial Group, Inc.

MUTB Non-consolidated

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


	(in billions of yen)
	As of September 30, 2013 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2013 (B)
Deferred tax assets		44.8			(21.5	)		66.3
Write-down on investment securities		24.8			(4.4	)		29.3
Allowance for credit losses		17.0			(8.4	)		25.5
Deferred losses on hedging instruments		11.0			(16.0	)		27.1
Other		47.4			(0.3	)		47.8
Valuation allowance		(55.6	)		7.8			(63.4	)
Deferred tax liabilities		203.6			(6.9	)		210.5
Unrealized gains on other securities		157.4			(11.0	)		168.4
Reserve for retirement benefits		34.3			3.0			31.3
Other		11.8			1.0			10.7
Net deferred tax assets		(158.7	)		(14.6	)		(144.1	)

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


	(in billions of yen)
	FY2008			FY2009			FY2010			FY2011			FY2012			Interim FY2013
Net business profits before credit costs for trust accounts and provision for general allowance for credit losses		131.5			110.2			150.4			148.1			162.2			71.6
Total credit costs		35.5			(23.7	)		(8.0	)		(9.2	)		(8.6	)		16.6
Income before income taxes		88.1			52.0			101.9			113.5			173.5			87.0
Reconciliation to taxable income		(16.0	)		23.3			(80.1	)		(30.2	)		(84.9	)		(42.8	)
Taxable income		72.0			75.3			21.7			83.3			88.6			44.1

(3)	Classification Based on Prior Year Operating Results as Provided in the JICPA Audit Committee Report No.66

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

Mitsubishi UFJ Financial Group, Inc.

(Reference)

1. Exposure to “Securitized Products and Related Investments”

Our exposure to securitized products and related investments as of September 30, 2013 is outlined below. (Figures are on a managerial basis and rounded off to the billion yen)

[Balance, net unrealized gains (losses), realized gains (losses)]

•

The balance as of the end of September 2013 increased to ¥2.61 trillion in total, an increase of ¥0.17 trillion compared with the balance as of the end of March 2013, mainly due to an increase in highly rated CLOs and CMBS.

•

Net unrealized losses were ¥13 billion, worsened by ¥11 billion compared to the end of March 2013.

•

P/L impact for the quarter ended September 30, 2013 was approximately ¥2 billion.


		(¥bn)
													of which securities being held to maturity²
		Balance¹		Change from end of March 2013			Net unrealized gains (losses)			Change from end of March 2013			Balance		Net unrealized gains (losses)
1	RMBS		26		(13	)		3			(1	)		0		0
2	Sub-prime RMBS		0		(2	)		0			(1	)		0		0
3	CMBS		357		28			(15	)		(21	)		157		(8	)
4	CLOs		2,151		146			(3	)		10			1,516		(1	)
5	Other securitized products (card, etc.)		76		7			1			0			17		0
6	CDOs		2		0			0			0			0		0
7	Sub-prime ABS CDOs		0		0			0			0			0		0
8	SIV		0		0			2			0			0		0

9	Total		2,611		168			(13	)		(11	)		1,690		(9	)

1.	Balance is the amount after impairment and before deducting net unrealized gains (losses).

The above table does not include mortgage-backed securities arranged and guaranteed by U.S. government sponsored enterprises, etc., Japanese RMBS such as Japanese Housing Finance Agency securities, and products held by funds such as investment trusts. These are also applicable to the tables in this document.

Following the publication of “Tentative Solution on Reclassification of Debt Securities” (Practical Issue Task Force No.26, The Accounting Standards Board of Japan, December 5, 2008), some of our securitized products were reclassified into “securities being held to maturity” from “securities available for sale” at and after the end of January 2009. The balance and net unrealized gains (losses) of the securities being held to maturity in the above table are based on book value before reclassification.

[Distribution by rating]

•

AAA-rated products accounted for 77% of our investments in securitized products as of the end of September 2013, an increase of 3 percentage points compared with the end of March 2013, mainly due to an increase in highly rated CLOs.

•

AAA and AA-rated products accounted for 96% of our investments in securitized products.


		(¥bn)
		AAA			AA			A			BBB			BB or lower			Unrated			Total
10	RMBS		2			3			1			16			5			0			26
11	Sub-prime RMBS		0			0			0			0			0			0			0
12	CMBS		175			182			0			0			0			0			357
13	CLOs		1,810			282			41			17			0			0			2,151
14	Other securitized products (card, etc.)		34			21			0			6			1			13			76
15	CDOs		0			0			0			0			2			0			2
16	Sub-prime ABS CDOs		0			0			0			0			0			0			0
17	SIV		0			0			0			0			0			0			0

18	Total		2,021			489			42			39			8			13			2,611

19	Percentage of total		77	%		19	%		2	%		1	%		0	%		1	%		100	%
20	Percentage of total (End of March 2013)		74	%		20	%		3	%		2	%		1	%		0	%		100	%

Mitsubishi UFJ Financial Group, Inc.

[Credit exposure related to leveraged loan]

•

We are not engaged in origination or distribution of securitized products of leveraged loans, and therefore, there is no balance of leveraged loans for securitization.

•

The following table shows the balances of LBO loans as of the end of September 2013.


		(¥bn)
		Americas		Europe		Asia		Japan		Total		Change from end of March 2013
1	LBO Loan³(Balance on a commitment basis)		15		114		3		190		322		9
2	Balance on a booking basis		5		91		3		161		260		(12	)

³ Includes balance after refinancing. (Figures are rounded off.)

[Special Purpose Entities (SPEs)]

•

We are engaged in sponsoring ABCP issuance for securitizing our clients’ assets.

•

The balance of assets purchased by ABCP conduits (special purpose companies for issuing ABCP) as of the end of September 2013 was ¥3.66 trillion (¥1.46 trillion overseas).

•

The purchased assets are mainly receivables and they do not include residential mortgages.

End


RMBS	:	Asset-backed securities collateralized by residential mortgages
CMBS	:	Asset-backed securities collateralized by commercial mortgages
CLOs	:	Collateralized loan obligations backed by whole commercial loans, revolving credit facilities, or letters of credit
CDOs	:	Structured credit securities backed by a pool of securities, loans, or credit default swaps
ABS CDOs	:	Collateralized debt obligations backed by asset backed securities
SIVs	:	Investment companies established mainly for gaining profit margin by raising funds through subordinated notes and short-term CPs, etc. and investing in relatively long-term securitized products and bonds, etc.
LBO Loans	:	Loans collateralized by assets and/or future cash flows of an acquired company
ABCP	:	Commercial papers issued by a Special Purposed Company (SPC) collateralized by receivables

Mitsubishi UFJ Financial Group, Inc.

(Reference)

2. Financial Statements

BTMU Non-consolidated

(1)	Non-consolidated Balance Sheets


(in millions of yen)	As of March 31, 2013			As of September 30, 2013
Assets:
Cash and due from banks		8,901,627			16,031,594
Call loans		238,353			237,511
Receivables under resale agreements		783,828			567,294
Receivables under securities borrowing transactions		724,782			538,806
Monetary claims bought		2,641,606			2,787,345
Trading assets		5,892,689			4,914,583
Money held in trust		58,028			54,631
Securities		63,071,374			61,260,401
Allowance for losses on securities		(56,627	)		(56,627	)
Loans and bills discounted		74,104,875			76,327,721
Foreign exchanges		1,394,418			1,485,976
Other assets		5,218,007			6,845,624
Tangible fixed assets		863,564			862,906
Intangible fixed assets		344,139			365,202
Deferred tax assets		4,758			—
Customers’ liabilities for acceptances and guarantees		5,874,753			5,933,658
Allowance for credit losses		(755,053	)		(664,191	)

Total assets		169,305,125			177,492,440

Mitsubishi UFJ Financial Group, Inc.


(in millions of yen)	As of March 31, 2013			As of September 30, 2013
Liabilities:
Deposits		112,154,287			114,284,127
Negotiable certificates of deposit		9,748,390			10,263,907
Call money		3,030,447			2,448,445
Payables under repurchase agreements		7,305,607			11,977,424
Payables under securities lending transactions		1,108,750			591,799
Commercial papers		731,657			798,975
Trading liabilities		4,146,591			3,306,111
Borrowed money		7,968,420			9,103,561
Foreign exchanges		933,556			1,057,315
Bonds payable		3,940,755			3,962,011
Other liabilities		3,233,382			4,466,674
Reserve for bonuses		16,926			17,292
Reserve for bonuses to directors		141			49
Reserve for retirement benefits		6,273			6,680
Reserve for loyalty award credits		1,064			1,376
Reserve for contingent losses		43,538			33,837
Deferred tax liabilities		—			1,474
Deferred tax liabilities for land revaluation		152,262			150,589
Acceptances and guarantees		5,874,753			5,933,658

Total liabilities		160,396,806			168,405,313

Net assets:
Capital stock		1,711,958			1,711,958
Capital surplus		3,878,275			3,878,275
Capital reserve		1,711,958			1,711,958
Other capital surplus		2,166,317			2,166,317
Retained earnings		2,434,852			2,629,717
Revenue reserve		190,044			190,044
Other retained earnings		2,244,808			2,439,672
Funds for retirement benefits		2,432			2,432
Other reserve		718,196			718,196
Earned surplus brought forward		1,524,179			1,719,044
Treasury stock		(255,700	)		(255,700	)

Total shareholders’ equity		7,769,386			7,964,250

Net unrealized gains (losses) on other securities		797,405			828,770
Net deferred gains (losses) on hedging instruments		112,523			68,122
Land revaluation excess		229,004			225,983

Total valuation and translation adjustments		1,138,933			1,122,876

Total net assets		8,908,319			9,087,127

Total liabilities and net assets		169,305,125			177,492,440

Mitsubishi UFJ Financial Group, Inc.

BTMU Non-consolidated

(2)	Non-consolidated Statements of Income


(in millions of yen)	For the six months ended September 30, 2012		For the six months ended September 30, 2013
Ordinary income		1,423,476		1,431,853
Interest income		745,041		734,411
Interest on loans and bills discounted		478,134		482,715
Interest and dividends on securities		219,732		197,739
Fees and commissions		256,593		299,646
Trading income		59,542		54,046
Other business income		328,897		216,245
Other ordinary income		33,402		127,502
Ordinary expenses		1,097,010		976,685
Interest expenses		177,941		171,883
Interest on deposits		49,206		47,558
Fees and commissions		66,521		72,153
Trading expenses		—		1,197
Other business expenses		57,979		93,576
General and administrative expenses		543,712		562,291
Other ordinary expenses		250,855		75,582

Ordinary profits		326,466		455,168

Extraordinary gains		6,572		4,752
Extraordinary losses		6,302		29,391

Income before income taxes		326,736		430,529

Income taxes-current		6,049		115,148
Income taxes-deferred		149,269		45,418

Total taxes		155,319		160,567

Net income		171,416		269,962

Mitsubishi UFJ Financial Group, Inc.

MUTB Non-consolidated

(1)	Non-consolidated Balance Sheets


(in millions of yen)	As of March 31, 2013			As of September 30, 2013
Assets:
Cash and due from banks		1,076,887			1,398,634
Call loans		284,000			91,751
Monetary claims bought		27,052			26,886
Trading assets		402,621			349,430
Money held in trust		11,140			11,981
Securities		14,385,072			12,925,364
Loans and bills discounted		11,273,483			11,390,190
Foreign exchanges		86,111			7,835
Other assets		914,743			905,655
Tangible fixed assets		165,911			163,583
Intangible fixed assets		53,248			52,550
Customers’ liabilities for acceptances and guarantees		207,962			199,558
Allowance for credit losses		(64,790	)		(37,956	)

Total assets		28,823,445			27,485,465

Mitsubishi UFJ Financial Group, Inc.


(in millions of yen)	As of March 31, 2013			As of September 30, 2013
Liabilities:
Deposits		11,780,164			12,328,202
Negotiable certificates of deposit		5,253,264			4,436,489
Call money		191,762			199,821
Payables under repurchase agreements		3,798,242			2,938,150
Payables under securities lending transactions		409,283			1,138,045
Commercial papers		209,865			258,613
Trading liabilities		65,878			64,341
Borrowed money		3,079,292			1,457,421
Foreign exchanges		246			286
Bonds payable		354,358			407,202
Due to trust accounts		1,082,172			1,285,774
Other liabilities		529,507			825,753
Reserve for bonuses		4,284			4,340
Reserve for bonuses to directors		83			27
Reserve for contingent losses		14,020			13,321
Deferred tax liabilities		144,169			158,789
Deferred tax liabilities for land revaluation		5,425			5,354
Acceptances and guarantees		207,962			199,558

Total liabilities		27,129,986			25,721,494

Net assets:
Capital stock		324,279			324,279
Capital surplus		412,315			412,315
Capital reserve		250,619			250,619
Other capital surplus		161,695			161,695
Retained earnings		695,942			745,731
Revenue reserve		73,714			73,714
Other retained earnings		622,228			672,017
Funds for retirement benefits		710			710
Other reserve		138,495			138,495
Earned surplus brought forward		483,023			532,812

Total shareholders’ equity		1,432,537			1,482,326

Net unrealized gains (losses) on other securities		316,407			308,258
Net deferred gains (losses) on hedging instruments		(48,973	)		(19,973	)
Land revaluation excess		(6,512	)		(6,639	)

Total valuation and translation adjustments		260,921			281,644

Total net assets		1,693,458			1,763,971

Total liabilities and net assets		28,823,445			27,485,465

Mitsubishi UFJ Financial Group, Inc.

MUTB Non-consolidated

(2)	Non-consolidated Statements of Income


(in millions of yen)	For the six months ended September 30, 2012		For the six months ended September 30, 2013
Ordinary income		256,511		276,011
Trust fees		34,583		39,093
Interest income		110,022		101,188
Interest on loans and bills discounted		50,161		47,389
Interest and dividends on securities		58,087		51,629
Fees and commissions		52,752		59,107
Trading income		6,682		1,800
Other business income		39,173		49,276
Other ordinary income		13,295		25,544
Ordinary expenses		209,615		188,860
Interest expenses		35,475		28,797
Interest on deposits		14,359		11,945
Fees and commissions		12,324		13,355
Trading expenses		655		476
Other business expenses		24,573		47,876
General and administrative expenses		104,673		92,559
Other ordinary expenses		31,913		5,794

Ordinary profits		46,895		87,151

Extraordinary gains		269		270
Extraordinary losses		433		416

Income before income taxes		46,731		87,005

Income taxes-current		5,793		15,156
Income taxes-deferred		1,230		9,214

Total taxes		7,024		24,371

Net income		39,707		62,633

Mitsubishi UFJ Financial Group, Inc.

MUTB Non-consolidated

(3)	Statements of Trust Assets and Liabilities

Including trust assets under service-shared co-trusteeship


(in millions of yen)	As of March 31, 2013		As of September 30, 2013
Assets:
Loans and bills discounted		103,654		101,692
Securities		52,034,347		51,965,424
Beneficiary rights to the trust		34,923,453		40,634,624
Securities held in custody accounts		3,061,056		3,253,507
Monetary claims		12,287,321		11,477,400
Tangible fixed assets		9,436,682		9,524,029
Intangible fixed assets		122,128		116,359
Other claims		3,931,112		4,230,751
Call loans		1,594,684		1,427,375
Due from banking account		1,491,543		1,562,824
Cash and due from banks		1,734,932		2,189,739

Total		120,720,918		126,483,729

Liabilities:
Money trusts		19,503,756		19,074,600
Pension trusts		12,352,938		12,959,000
Property formation benefit trusts		11,871		10,275
Investment trusts		34,238,626		40,050,441
Money entrusted other than money trusts		2,367,364		2,562,391
Securities trusts		4,348,956		4,839,448
Monetary claim trusts		12,457,552		11,519,983
Equipment trusts		28,067		32,428
Land and fixtures trusts		84,555		83,100
Composite trusts		35,327,227		35,352,059

Total		120,720,918		126,483,729

Note:

The table shown above includes master trust assets under the service-shared co-trusteeship between MUTB and The Master Trust Bank of Japan, Ltd.

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 March 31, 2013		As of September 30, 2013
Assets:
Loans and bills discounted		39,428		35,804
Securities		59,732		47,082
Other		910,329		1,113,346

Total		1,009,490		1,196,233

Liabilities:
Principal		1,007,608		1,194,298
Allowance for bad debts		117		107
Other		1,764		1,827

Total		1,009,490		1,196,233

Mitsubishi UFJ Financial Group, Inc.

MUTB Non-consolidated

(4)	Major Items


(in millions of yen)	As of March 31, 2013		As of September 30, 2013
Total funds		48,901,996		48,808,568
Deposits		11,780,164		12,328,202
Negotiable certificates of deposit		5,253,264		4,436,489
Money trusts		19,503,756		19,074,600
Pension trusts		12,352,938		12,959,000
Property formation benefit trusts		11,871		10,275

Loans and bills discounted		11,377,137		11,491,882

Banking account		11,273,483		11,390,190
Trust account		103,654		101,692

Investment securities		66,419,420		64,890,789

Note:

The table shown above includes master trust assets under the service-shared co-trusteeship between MUTB and The Master Trust Bank of Japan, Ltd.