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 Private Issuer

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

the Securities Exchange Act of 1934

For the month of November 2016

Commission File No. 000-54189

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 office)

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 if the registrant is submitting the Form 6-K

in paper as permitted by Regulation S-T Rule 101(b)(1):

Indicate by check mark if the registrant is submitting the Form 6-K

in paper as permitted by Regulation S-T Rule 101(b)(7):

THIS REPORT ON FORM 6-K SHALL BE DEEMED TO BE INCORPORATED BY REFERENCE IN THE REGISTRATION STATEMENT ON FORM F-3 (NO. 333-209455) OF MITSUBISHI UFJ FINANCIAL GROUP, INC. AND TO BE A PART THEREOF FROM THE DATE ON WHICH THIS REPORT IS FURNISHED TO THE U.S. SECURITIES AND EXCHANGE COMMISSION TO THE EXTENT NOT SUPERSEDED BY DOCUMENTS OR REPORTS SUBSEQUENTLY FILED WITH OR FURNISHED TO THE U.S. SECURITIES AND EXCHANGE COMMISSION.

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, 2016


Mitsubishi UFJ Financial Group, Inc.

By:		/s/ Yasuo Matsumoto
Name:		Yasuo Matsumoto
Title:		Chief Manager, Documentation & Corporate Secretary Department,
		Corporate Administration Division

LOGO

Consolidated Summary Report

<under Japanese GAAP>

for the six months ended September 30, 2016

November 14, 2016


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 & Group CEO
For inquiry:	Kazutaka Yoneda, General Manager - Financial Planning Division / Financial Accounting Office TEL (03) 3240-3110
Quarterly securities report issuing date: November 29, 2016		Dividend payment date:	December 5, 2016
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, 2016

(1) Results of Operations


	(% represents the change from the same period in the previous fiscal year)
	Ordinary Income					Ordinary Profits					Profits Attributable to Owners of Parent
Six months ended	million yen		%			million yen		%			million yen		%
September 30, 2016		2,779,372		(7.1	)		794,873		(18.0	)		490,530		(18.2	)
September 30, 2015		2,991,884		8.3			969,908		2.1			599,321		3.6

(*)	Comprehensive income

September 30, 2016: (231,540) million yen, - % ; September 30, 2015: 52,662 million yen, (95.5) %


	Basic earnings per share		Diluted earnings per share
Six months ended	yen		yen
September 30, 2016		35.93		35.82
September 30, 2015		42.97		42.76

(2) Financial Conditions


	Total Assets		Total Net Assets		*Equity-to-asset ratio ()**
As of	million yen		million yen		%
September 30, 2016		293,677,194		16,501,568		5.1
March 31, 2016		298,302,898		17,386,769		5.2

(Reference) Shareholders’ equity as of September 30, 2016: 14,951,695 million yen; March 31, 2016: 15,457,970 million yen

(*)

“Equity-to-asset ratio” is computed under the formula shown below

(Total net assets - Subscription rights to shares - Non-controlling 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, 2016		—		9.00		—		9.00		18.00
ending March 31, 2017		—		9.00		——		——		——
ending March 31, 2017 (Forecast)		——		——		—		9.00		18.00

(*)

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

3. Earnings Target for the Fiscal Year ending March 31, 2017 (Consolidated)

MUFG has the target of 850.0 billion yen of profits attributable to owners of parent for the fiscal year ending March 31, 2017. (There is no change to our earnings target released on May 16, 2016.)

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 profits attributable to owners of parent 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, 2016	14,168,853,820 shares
		March 31, 2016	14,168,853,820 shares
(B)	Treasury stocks:	September 30, 2016	585,267,346 shares
		March 31, 2016	380,255,157 shares
(C)	Average outstanding stocks:	Six months ended September 30, 2016	13,652,178,742 shares
		Six months ended September 30, 2015	13,948,270,022 shares

(Reference) Summary of non-consolidated financial data

Non-consolidated Financial Data for the Six Months ended September 30, 2016

(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, 2016		359,492		12.4		346,184		12.4		334,977		11.4		336,087		11.7
September 30, 2015		319,952		29.0		307,959		29.9		300,567		30.4		300,795		30.3


	Basic earnings per share
Six months ended	yen
September 30, 2016		24.61
September 30, 2015		21.56

(2) Financial Conditions


	Total Assets		Total Net Assets		Equity-to-asset ratio
As of	million yen		million yen		%
September 30, 2016		12,960,910		8,626,342		66.5
March 31, 2016		12,043,230		8,482,329		70.4

(Reference) Shareholders’ equity as of September 30, 2016: 8,619,937 million yen; March 31, 2016: 8,474,069 million yen

* 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”.

* 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.

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, 2016			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			9

3. Non-consolidated Financial Statements			10

(1) Non-consolidated Balance Sheets			10

(2) Non-consolidated Statements of Income			12

(3) Non-consolidated Statements of Changes in Net Assets			13

(4) Notes on Going-Concern Assumption			15

Supplemental Information:

“Selected Financial Information under Japanese GAAP for the Six Months Ended September 30, 2016”

(*)	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, 2016 (Monday)

Explanation for investors and analysts:		November 18, 2016 (Friday)

Mitsubishi UFJ Financial Group, Inc.

1. Qualitative Information Pertaining to Consolidated Earnings and others for the Six Months ended September 30, 2016

(1) Qualitative Information Pertaining to Consolidated Earnings Target

MUFG has the target of 850.0 billion yen of profits attributable to owners of parent for the fiscal year ending March 31, 2017. (There is no change to our earnings target released on May 16, 2016.)

As for other figures released on May 16, 2016, MUFG has revised some of them taking into account the performance of interim results as shown in the following table.

(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, 2017			For the six months ended September 30, 2016 (Results)			For the fiscal year ended March 31, 2016 (Results)			For the six months ended September 30, 2015 (Results)
Total credit costs		(150.0	)		(57.6	)		(255.1	)		(31.0	)
Ordinary profits (losses)		1,320.0			794.8			1,539.4			969.9

Profits attributable to owners of parent		850.0			490.5			951.4			599.3


<2 Banks on a stand-alone basis>

The Bank of Tokyo-Mitsubishi UFJ, Ltd.
Net operating profits before provision for general allowance for credit losses		700.0			417.0			888.1			480.4
Total credit costs		(30.0	)		(4.7	)		(103.4	)		21.2
Ordinary profits (losses)		670.0			410.2			863.7			538.3

Net income (loss)		490.0			323.0			586.0			379.6


Mitsubishi UFJ Trust and Banking Corporation
Net operating profits before credit costs for trust accounts and provision for general allowance for credit losses		170.0			92.7			193.0			95.6
Total credit costs		(5.0	)		1.7			(0.2	)		1.3
Ordinary profits (losses)		180.0			105.5			206.5			99.5

Net income (loss)		130.0			75.7			159.9			70.3

Mitsubishi UFJ Financial Group, Inc.

2. Consolidated Financial Statements

(1)	Consolidated Balance Sheets


(in millions of yen)	As of March 31, 2016	As of September 30, 2016
Assets:
Cash and due from banks	49,158,293	57,245,014
Call loans and bills bought	660,015	447,074
Receivables under resale agreements	7,466,633	4,519,699
Receivables under securities borrowing transactions	6,041,983	6,783,779
Monetary claims bought	4,733,393	4,658,963
Trading assets	20,460,863	24,902,251
Money held in trust	679,678	720,178
Securities	69,993,869	64,908,413
Loans and bills discounted	113,756,325	104,844,873
Foreign exchanges	1,792,888	1,999,870
Other assets	12,255,764	12,193,211
Tangible fixed assets	1,362,044	1,323,634
Intangible fixed assets	1,254,727	1,170,308
Net defined benefit assets	377,955	424,729
Deferred tax assets	125,739	113,584
Customers’ liabilities for acceptances and guarantees	9,240,310	8,346,896
Allowance for credit losses	(1,057,585)	(925,288)

Total assets	298,302,898	293,677,194

Liabilities:
Deposits	160,965,056	161,625,048
Negotiable certificates of deposit	11,591,578	8,864,056
Call money and bills sold	1,360,238	1,890,781
Payables under repurchase agreements	23,515,240	21,677,674
Payables under securities lending transactions	4,710,407	6,448,251
Commercial papers	2,292,282	1,529,381
Trading liabilities	17,251,302	21,116,570
Borrowed money	12,482,277	13,856,984
Foreign exchanges	2,054,937	1,708,965
Short-term bonds payable	752,492	983,999
Bonds payable	9,190,542	8,969,625
Due to trust accounts	13,296,033	8,101,288
Other liabilities	10,834,564	10,658,207
Reserve for bonuses	90,219	69,872
Reserve for bonuses to directors	396	256
Reserve for stocks payment	—	1,153
Net defined benefit liabilities	62,791	60,250
Reserve for retirement benefits to directors	1,113	968
Reserve for loyalty award credits	15,971	17,054
Reserve for contingent losses	210,087	206,180
Reserves under special laws	4,232	4,037
Deferred tax liabilities	866,815	912,909
Deferred tax liabilities for land revaluation	127,237	125,212
Acceptances and guarantees	9,240,310	8,346,896

Total liabilities	280,916,129	277,175,626

Mitsubishi UFJ Financial Group, Inc.


(in millions of yen)	As of March 31, 2016	As of September 30, 2016
Net assets:
Capital stock	2,141,513	2,141,513
Capital surplus	1,425,637	1,424,633
Retained earnings	8,587,578	8,965,050
Treasury stock	(298,922)	(405,538)

Total shareholders’ equity	11,855,806	12,125,658

Net unrealized gains (losses) on available-for-sale securities	2,486,627	2,437,773
Net deferred gains (losses) on hedging instruments	337,297	364,989
Land revaluation excess	176,364	173,754
Foreign currency translation adjustments	791,401	9,119
Remeasurements of defined benefit plans	(189,526)	(160,369)
Debt value adjustments of foreign subsidiaries and affiliates	—	768

Total accumulated other comprehensive income	3,602,163	2,826,036

Subscription rights to shares	8,260	6,421
Non-controlling interests	1,920,538	1,543,451

Total net assets	17,386,769	16,501,568

Total liabilities and net assets	298,302,898	293,677,194

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, 2015		For the six months ended September 30, 2016
Ordinary income		2,991,884		2,779,372
Interest income		1,394,968		1,352,690
Interest on loans and bills discounted		918,153		866,315
Interest and dividends on securities		311,129		323,017
Trust fees		58,581		63,201
Fees and commissions		756,548		718,809
Trading income		189,350		152,009
Other operating income		279,233		224,510
Other ordinary income		313,201		268,151
Ordinary expenses		2,021,975		1,984,499
Interest expenses		318,627		377,622
Interest on deposits		151,490		129,594
Fees and commissions		114,994		99,321
Trading expenses		—		1,017
Other operating expenses		135,905		63,867
General and administrative expenses		1,297,774		1,277,017
Other ordinary expenses		154,674		165,653

Ordinary profits		969,908		794,873

Extraordinary gains		1,237		8,410
Gains on disposition of fixed assets		1,237		8,215
Reversal of reserve for contingent liabilities from financial instruments transactions		—		194
Extraordinary losses		44,386		64,842
Losses on disposition of fixed assets		6,240		5,087
Losses on impairment of fixed assets		1,804		4,069
Provision for reserve for contingent liabilities from financial instruments transactions		328		—
Losses on change in equity		36,013		45,654
Losses on liquidation of equity securities of subsidiaries		—		5,266
Losses on exchange of shares of affiliates		—		4,538
Losses on sales of equity securities of subsidiaries		—		226

Profits before income taxes		926,759		738,440

Income taxes-current		187,742		145,032
Income taxes-deferred		71,204		33,440

Total taxes		258,946		178,473

Profits		667,812		559,967

Profits attributable to non-controlling interests		68,491		69,436

Profits attributable to owners of parent		599,321		490,530

Mitsubishi UFJ Financial Group, Inc.

Consolidated Statements of Comprehensive Income


(in millions of yen)	For the six months ended September 30, 2015			For the six months ended September 30, 2016
Profits		667,812			559,967
Other comprehensive income
Net unrealized gains (losses) on available-for-sale securities		(679,716	)		(53,741	)
Net deferred gains (losses) on hedging instruments		43,897			27,734
Land revaluation excess		326			(15	)
Foreign currency translation adjustments		(6,450	)		(562,909	)
Remeasurements of defined benefit plans		3,771			29,407
Share of other comprehensive income of associates accounted for using equity method		23,020			(231,983	)

Total other comprehensive income		(615,150	)		(791,507	)

Comprehensive income		52,662			(231,540	)

(Comprehensive income attributable to)
Comprehensive income attributable to owners of parent		(10,354	)		(274,538	)
Comprehensive income attributable to non-controlling interests		63,017			42,997

Mitsubishi UFJ Financial Group, Inc.

(3)	Consolidated Statements of Changes in Net Assets

For the six months ended September 30, 2015


	(in millions of yen)
	Shareholders’ equity														Accumulated other comprehensive income
	Capital stock		Capital surplus			Retained earnings			Treasury stock			Total shareholders’ equity			Net unrealized gains (losses) on available- for-sale securities			Net deferred gains (losses) on hedging instruments
Balance at the beginning of the period		2,141,513		1,428,403			7,860,410			(101,661	)		11,328,666			2,835,091			83,194
Changes during the period
Dividends from retained earnings							(126,179	)					(126,179	)
Profits attributable to owners of parent							599,321						599,321
Repurchase of treasury stock										(100,056	)		(100,056	)
Disposal of treasury stock				(1,181	)					2,814			1,632
Reversal of land revaluation excess							88						88
Change of application of equity method							24,394						24,394
Changes in subsidiaries’ equity				(907	)								(907	)
Net changes of items other than shareholders’ equity																(678,696	)		46,234

Total changes during the period		—		(2,089	)		497,624			(97,242	)		398,293			(678,696	)		46,234

Balance at the end of the period		2,141,513		1,426,314			8,358,034			(198,903	)		11,726,959			2,156,395			129,428


	Accumulated other comprehensive income
	Land revaluation excess		Foreign currency translation adjustments			Remeasurements of defined benefit plans			Total accumulated other comprehensive income			Subscription rights to shares			Non-controlling interests			Total net assets
Balance at the beginning of the period		172,350		951,547			(52,909	)		3,989,274			8,271			1,961,322			17,287,533
Changes during the period
Dividends from retained earnings																			(126,179	)
Profits attributable to owners of parent																			599,321
Repurchase of treasury stock																			(100,056	)
Disposal of treasury stock																			1,632
Reversal of land revaluation excess																			88
Change of application of equity method																			24,394
Changes in subsidiaries’ equity																			(907	)
Net changes of items other than shareholders’ equity		238		29,273			4,355			(598,593	)		(488	)		33,184			(565,898	)

Total changes during the period		238		29,273			4,355			(598,593	)		(488	)		33,184			(167,604	)

Balance at the end of the period		172,589		980,821			(48,554	)		3,390,680			7,782			1,994,506			17,119,928

Mitsubishi UFJ Financial Group, Inc.

For the six months ended September 30, 2016


	(in millions of yen)
	Shareholders’ equity														Accumulated other comprehensive income
	Capital stock		Capital surplus			Retained earnings			Treasury stock			Total shareholders’ equity			Net unrealized gains (losses) on available- for-sale securities			Net deferred gains (losses) on hedging instruments
Balance at the beginning of the period		2,141,513		1,425,637			8,587,578			(298,922	)		11,855,806			2,486,627			337,297
Cumulative effects due to revision of accounting standards for foreign subsidiaries and affiliates							8,464						8,464

Restated balance		2,141,513		1,425,637			8,596,043			(298,922	)		11,864,271			2,486,627			337,297
Changes during the period
Dividends from retained earnings							(124,116	)					(124,116	)
Profits attributable to owners of parent							490,530						490,530
Repurchase of treasury stock										(109,752	)		(109,752	)
Disposal of treasury stock				(1,004	)					3,136			2,132
Reversal of land revaluation excess							2,593						2,593
Changes in subsidiaries’ equity				0									0
Net changes of items other than shareholders’ equity																(48,853	)		27,692

Total changes during the period		—		(1,004	)		369,007			(106,616	)		261,387			(48,853	)		27,692

Balance at the end of the period		2,141,513		1,424,633			8,965,050			(405,538	)		12,125,658			2,437,773			364,989


	Accumulated other comprehensive income
	Land revaluation excess			Foreign currency translation adjustments			Remeasurements of defined benefit plans			Debt value adjustments of foreign subsidiaries and affiliates			Total accumulated other comprehensive income			Subscription rights to shares			Non-controlling interests			Total net assets
Balance at the beginning of the period		176,364			791,401			(189,526	)		—			3,602,163			8,260			1,920,538			17,386,769
Cumulative effects due to revision of accounting standards for foreign subsidiaries and affiliates											(8,464	)		(8,464	)								—

Restated balance		176,364			791,401			(189,526	)		(8,464	)		3,593,699			8,260			1,920,538			17,386,769
Changes during the period
Dividends from retained earnings																							(124,116	)
Profits attributable to owners of parent																							490,530
Repurchase of treasury stock																							(109,752	)
Disposal of treasury stock																							2,132
Reversal of land revaluation excess																							2,593
Changes in subsidiaries’ equity																							0
Net changes of items other than shareholders’ equity		(2,609	)		(782,281	)		29,157			9,233			(767,662	)		(1,838	)		(377,086	)		(1,146,588	)

Total changes during the period		(2,609	)		(782,281	)		29,157			9,233			(767,662	)		(1,838	)		(377,086	)		(885,201	)

Balance at the end of the period		173,754			9,119			(160,369	)		768			2,826,036			6,421			1,543,451			16,501,568

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, 2016	As of September 30, 2016
Assets:
Current assets:
Cash and due from banks	160,467	241,580
Accounts receivable	63,428	78,328
Others	6,370	8,215

Total current assets	230,267	328,125

Fixed assets:
Tangible fixed assets	433	369
Intangible fixed assets	9,384	9,010
Investments and other assets:	11,803,145	12,623,404
Investments in subsidiaries and affiliates	10,186,842	10,186,842
Long-term loans receivable from subsidiaries and affiliates	1,586,400	2,421,320
Others	30,696	16,453
Allowance for credit losses	(793)	(1,210)

Total fixed assets	11,812,962	12,632,785

Total assets	12,043,230	12,960,910

Liabilities:
Current liabilities:
Short-term borrowings	1,703,000	1,632,538
Lease liabilities	20	18
Income taxes payable	1,415	92
Reserve for bonuses and reserve for bonuses to directors	675	560
Others	15,910	21,402

Total current liabilities	1,721,022	1,654,612

Fixed liabilities:
Bonds payable	1,798,024	2,607,248
Long-term borrowings	41,826	72,532
Reserve for stocks payment	—	153
Lease liabilities	14	7
Others	11	13

Total fixed liabilities	1,839,877	2,679,955

Total liabilities	3,560,900	4,334,567

Mitsubishi UFJ Financial Group, Inc.

(1)	Non-consolidated Balance Sheets


(in millions of yen)	As of March 31, 2016	As of September 30, 2016
Net assets:
Shareholders’ equity:
Capital stock	2,141,513	2,141,513
Capital surplus:
Capital reserve	2,141,524	2,141,524
Other capital surplus	1,468,824	1,467,819

Total capital surplus	3,610,348	3,609,344

Retained earnings:
Other retained earnings:
Other reserve	150,000	150,000
Earned surplus brought forward	2,976,603	3,188,574

Total retained earnings	3,126,603	3,338,574

Treasury stock	(297,385)	(404,030)

Total shareholders’ equity	8,581,079	8,685,401

Valuation and translation adjustments:
Net deferred gains (losses) on hedging instruments	(107,010)	(65,464)

Total valuation and translation adjustments	(107,010)	(65,464)

Subscription rights to shares	8,260	6,405

Total net assets	8,482,329	8,626,342

Total liabilities and net assets	12,043,230	12,960,910

Mitsubishi UFJ Financial Group, Inc.

(2)	Non-consolidated Statements of Income


(in millions of yen)	For the six months ended September 30, 2015	For the six months ended September 30, 2016
Operating income	319,952	359,492
Operating expenses	11,993	13,308

Operating profits	307,959	346,184

Non-operating income	7,600	24,890
Non-operating expenses	14,992	36,097

Ordinary profits	300,567	334,977

Extraordinary gains	—	—
Extraordinary losses	0	39

Income before income taxes	300,567	334,938

Income taxes-current	(400)	(1,313)
Income taxes-deferred	172	164

Total taxes	(228)	(1,149)

Net income	300,795	336,087

Mitsubishi UFJ Financial Group, Inc.

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

For the six months ended September 30, 2015


	(in millions of yen)
	Shareholders’ equity
	Capital stock			Capital surplus						Retained earnings
				Capital reserve			Other capital surplus			Other retained earnings
				Capital reserve			Other capital surplus			Other reserve			Earned surplus brought forward
Balance at the beginning of the period		2,141,513			2,141,524			1,470,006			150,000			2,682,257
Changes during the period
Dividends from retained earnings														(126,179	)
Net income														300,795
Repurchase of treasury stock
Disposal of treasury stock								(1,181	)
Net changes of items other than shareholders’ equity

Total changes during the period		—			—			(1,181	)		—			174,615

Balance at the end of the period		2,141,513			2,141,524			1,468,824			150,000			2,856,873


	Shareholders’ equity						Valuation and translation adjustments			Subscription rights to shares			Total net assets
	Treasury stock			Total shareholders’ equity			Net deferred gains (losses) on hedging instruments			Subscription rights to shares			Total net assets
Balance at the beginning of the period		(100,147	)		8,485,153			(135,474	)		8,271			8,357,950
Changes during the period
Dividends from retained earnings					(126,179	)								(126,179	)
Net income					300,795									300,795
Repurchase of treasury stock		(100,032	)		(100,032	)								(100,032	)
Disposal of treasury stock		2,814			1,632									1,632
Net changes of items other than shareholders’ equity								787			(488	)		298

Total changes during the period		(97,218	)		76,215			787			(488	)		76,513

Balance at the end of the period		(197,366	)		8,561,369			(134,686	)		7,782			8,434,464

Mitsubishi UFJ Financial Group, Inc.

For the six months ended September 30, 2016


	(in millions of yen)
	Shareholders’ equity
				Capital surplus						Retained earnings
	Capital stock			Capital reserve			Other capital surplus			Other retained earnings
	Capital stock			Capital reserve			Other capital surplus			Other reserve			Earned surplus brought forward
Balance at the beginning of the period		2,141,513			2,141,524			1,468,824			150,000			2,976,603
Changes during the period
Dividends from retained earnings														(124,116	)
Net income														336,087
Repurchase of treasury stock
Disposal of treasury stock								(1,004	)
Net changes of items other than shareholders’ equity

Total changes during the period		—			—			(1,004	)		—			211,970

Balance at the end of the period		2,141,513			2,141,524			1,467,819			150,000			3,188,574


	Shareholders’ equity						Valuation and translation adjustments
	Treasury stock			Total shareholders’ equity			Net deferred gains (losses) on hedging instruments			Subscription rights to shares			Total net assets
Balance at the beginning of the period		(297,385	)		8,581,079			(107,010	)		8,260			8,482,329
Changes during the period
Dividends from retained earnings					(124,116	)								(124,116	)
Net income					336,087									336,087
Repurchase of treasury stock		(109,752	)		(109,752	)								(109,752	)
Disposal of treasury stock		3,107			2,103									2,103
Net changes of items other than shareholders’ equity								41,545			(1,855	)		39,690

Total changes during the period		(106,644	)		104,322			41,545			(1,855	)		144,012

Balance at the end of the period		(404,030	)		8,685,401			(65,464	)		6,405			8,626,342

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, 2016


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	[ 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. Financial Statements	[ BTMU Non-consolidated ][ MUTB Non-consolidated ]	——	34

(*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, 2016 (A)			September 30, 2015 (B)			Increase (Decrease) (A) - (B)
Gross profits		1,969,410			2,109,178			(139,768	)
Gross profits before credit costs for trust accounts		1,969,410			2,109,178			(139,768	)
Net interest income		975,085			1,076,365			(101,279	)
Trust fees		63,201			58,581			4,620
Credit costs for trust accounts (1)		0			0			0
Net fees and commissions		619,488			641,554			(22,065	)
Net trading profits		150,992			189,350			(38,358	)
Net other operating profits		160,643			143,327			17,315
Net gains (losses) on debt securities		92,678			82,150			10,528
General and administrative expenses		1,244,009			1,288,965			(44,956	)
Amortization of goodwill		7,427			8,886			(1,459	)
Net operating profits before credit costs for trust accounts, provision for general allowance for credit losses and amortization of goodwill		732,828			829,099			(96,270	)
Net operating profits before credit costs for trust accounts and provision for general allowance for credit losses		725,401			820,212			(94,811	)
Provision for general allowance for credit losses (2)		—			—			—
Net operating profits*		725,401			820,213			(94,811	)
Net non-recurring gains (losses)		69,471			149,695			(80,223	)
Credit costs (3)		(108,435	)		(104,379	)		(4,055	)
Losses on loan write-offs		(59,831	)		(65,246	)		5,414
Provision for specific allowance for credit losses		—			—			—
Other credit costs		(48,603	)		(39,133	)		(9,470	)
Reversal of allowance for credit losses (4)		22,807			44,442			(21,634	)
Reversal of reserve for contingent losses included in credit costs (5)		—			—			—
Gains on loans written-off (6)		27,993			28,926			(932	)
Net gains (losses) on equity securities		44,034			40,992			3,042
Gains on sales of equity securities		82,635			60,883			21,751
Losses on sales of equity securities		(27,193	)		(11,790	)		(15,403	)
Losses on write-down of equity securities		(11,407	)		(8,101	)		(3,305	)
Profits (losses) from investments in affiliates		113,940			144,680			(30,740	)
Other non-recurring gains (losses)		(30,868	)		(4,966	)		(25,902	)

Ordinary profits		794,873			969,908			(175,035	)

Net extraordinary gains (losses)		(56,432	)		(43,148	)		(13,283	)
Net losses on change in equity		(45,654	)		(36,013	)		(9,641	)
Profits before income taxes		738,440			926,759			(188,319	)
Income taxes-current		145,032			187,742			(42,709	)
Income taxes-deferred		33,440			71,204			(37,763	)
Total taxes		178,473			258,946			(80,473	)
Profits		559,967			667,812			(107,845	)
Profits attributable to non-controlling interests		69,436			68,491			945

Profits attributable to owners of parent		490,530			599,321			(108,791	)

Note:
* Net operating profits = Banking subsidiaries’ net operating 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)		(57,634	)		(31,011	)		(26,623	)

Number of consolidated subsidiaries		218			227			(9	)
Number of affiliated companies accounted for under the equity method		65			62			3

Mitsubishi UFJ Financial Group, Inc.

BTMU and MUTB Combined


	(in millions of yen)
	For the six months ended						Increase (Decrease) (A) - (B)
	September 30, 2016 (A)			September 30, 2015 (B)			Increase (Decrease) (A) - (B)
Gross profits		1,164,706			1,235,424			(70,717	)
Gross profits before credit costs for trust accounts		1,164,706			1,235,424			(70,717	)
Domestic gross profits		637,483			751,116			(113,633	)
Net interest income		352,383			422,717			(70,333	)
Trust fees		49,897			45,638			4,259
Credit costs for trust accounts (1)		0			0			0
Net fees and commissions		183,973			195,964			(11,991	)
Net trading profits		17,579			20,821			(3,241	)
Net other operating profits		33,648			65,974			(32,325	)
Net gains (losses) on debt securities		33,854			60,641			(26,787	)
Non-domestic gross profits		527,223			484,308			42,915
Net interest income		273,338			284,023			(10,685	)
Net fees and commissions		94,849			97,785			(2,935	)
Net trading profits		79,124			51,142			27,981
Net other operating profits		79,910			51,356			28,554
Net gains (losses) on debt securities		52,611			16,015			36,596
General and administrative expenses		654,826			659,308			(4,482	)
Personnel expenses		237,980			246,337			(8,357	)
Non-personnel expenses		380,961			379,057			1,903
Taxes		35,884			33,913			1,970
Net operating profits before credit costs for trust accounts and provision for general allowance for credit losses		509,880			576,115			(66,235	)
Provision for general allowance for credit losses (2)		—			—			—
Net operating profits		509,880			576,115			(66,235	)
Net non-recurring gains (losses)		5,874			61,813			(55,939	)
Credit costs (3)		(64,663	)		(59,124	)		(5,538	)
Losses on loan write-offs		(16,144	)		(19,453	)		3,309
Provision for specific allowance for credit losses		—			—			—
Other credit costs		(48,518	)		(39,670	)		(8,847	)
Reversal of allowance for credit losses (4)		52,591			73,808			(21,216	)
Reversal of reserve for contingent losses included in credit costs (5)		103			—			103
Gains on loans written-off (6)		8,978			7,893			1,084
Net gains (losses) on equity securities		36,938			34,053			2,884
Gains on sales of equity securities		76,533			53,150			23,383
Losses on sales of equity securities		(28,226	)		(11,361	)		(16,865	)
Losses on write-down of equity securities		(11,368	)		(7,735	)		(3,632	)
Other non-recurring gains (losses)		(28,073	)		5,183			(33,257	)

Ordinary profits		515,754			637,929			(122,174	)

Net extraordinary gains (losses)		(3,830	)		12,812			(16,642	)
Net gains (losses) on disposition of fixed assets		3,909			(4,089	)		7,999
Losses on impairment of fixed assets		(1,611	)		(1,417	)		(193	)
Losses on liquidation of equity securities of subsidiaries		(7,941	)		—			(7,941	)
Gain on sales of equity securities of subsidiaries		2,600			18,319			(15,718	)
Income before income taxes		511,924			650,741			(138,817	)
Income taxes-current		123,675			141,947			(18,271	)
Income taxes-deferred		(10,523	)		58,780			(69,303	)
Total taxes		113,152			200,728			(87,575	)

Net income		398,772			450,013			(51,241	)


(Reference)
Total credit costs (1)+(2)+(3)+(4)+(5)+(6)		(2,990	)		22,576			(25,566	)

Mitsubishi UFJ Financial Group, Inc.

BTMU Consolidated


	(in millions of yen)
	For the six months ended						Increase (Decrease) (A) - (B)
	September 30, 2016 (A)			September 30, 2015 (B)			Increase (Decrease) (A) - (B)
Gross profits		1,374,053			1,464,630			(90,577	)
Net interest income		833,575			903,716			(70,141	)
Trust fees		6,293			6,635			(341	)
Net fees and commissions		331,626			337,130			(5,503	)
Net trading profits		78,969			57,741			21,228
Net other operating profits		123,588			159,407			(35,819	)
Net gains (losses) on debt securities		77,362			82,475			(5,113	)
General and administrative expenses		820,861			864,026			(43,165	)
Amortization of goodwill		6,890			8,353			(1,463	)
Net operating profits before provision for general allowance for credit losses and amortization of goodwill		560,082			608,958			(48,875	)
Net operating profits before provision for general allowance for credit losses		553,192			600,604			(47,412	)
Provision for general allowance for credit losses (1)		—			—			—
Net operating profits*		553,192			600,604			(47,412	)
Net non-recurring gains (losses)		(18,718	)		37,321			(56,040	)
Credit costs (2)		(79,016	)		(77,327	)		(1,688	)
Losses on loan write-offs		(30,387	)		(38,164	)		7,777
Provision for specific allowance for credit losses		—			—			—
Other credit costs		(48,629	)		(39,163	)		(9,465	)
Reversal of allowance for credit losses (3)		31,175			50,403			(19,227	)
Reversal of reserve for contingent losses included in credit costs (4)		—			—			—
Gains on loans written-off (5)		17,544			17,859			(315	)
Net gains (losses) on equity securities		23,686			36,785			(13,098	)
Gains on sales of equity securities		62,226			52,509			9,717
Losses on sales of equity securities		(27,776	)		(8,810	)		(18,966	)
Losses on write-down of equity securities		(10,762	)		(6,913	)		(3,849	)
Profits (losses) from investments in affiliates		9,997			16,751			(6,753	)
Other non-recurring gains (losses)		(22,106	)		(7,150	)		(14,955	)

Ordinary profits		534,474			637,926			(103,452	)

Net extraordinary gains (losses)		(5,125	)		9,945			(15,070	)
Net gains (losses) on disposition of fixed assets		4,947			(4,660	)		9,608
Losses on impairment of fixed assets		(2,601	)		(1,101	)		(1,500	)
Gains (losses) on sales of equity securities of subsidiaries		(226	)		15,595			(15,821	)
Losses on liquidation of equity securities of subsidiaries		(3,236	)		—			(3,236	)
Losses on exchange of shares of affiliates		(4,007	)		—			(4,007	)
Profits before income taxes		529,349			647,871			(118,522	)
Income taxes-current		106,324			134,483			(28,158	)
Income taxes-deferred		17,442			69,386			(51,944	)
Total taxes		123,767			203,870			(80,102	)
Profits		405,581			444,001			(38,419	)
Profits attributable to non-controlling interests		30,736			35,401			(4,664	)

Profits attributable to owners of parent		374,844			408,599			(33,755	)


Note:
* Net operating profits = Net operating 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)		(30,296	)		(9,064	)		(21,231	)

Number of consolidated subsidiaries		128			129			(1	)
Number of affiliated companies accounted for under the equity method		57			58			(1	)

Mitsubishi UFJ Financial Group, Inc.

BTMU Non-consolidated


	(in millions of yen)
	For the six months ended						Increase (Decrease) (A) - (B)
	September 30, 2016 (A)			September 30, 2015 (B)			Increase (Decrease) (A) - (B)
Gross profits		972,318			1,048,746			(76,427	)
Domestic gross profits		491,111			599,169			(108,057	)
Net interest income		312,320			372,961			(60,641	)
Net fees and commissions		135,450			147,702			(12,251	)
Net trading profits		12,992			8,116			4,875
Net other operating profits		30,348			70,389			(40,040	)
Net gains (losses) on debt securities		28,414			60,257			(31,842	)
Non-domestic gross profits		481,207			449,577			31,629
Net interest income		244,394			237,911			6,482
Net fees and commissions		93,323			96,071			(2,747	)
Net trading profits		76,464			53,803			22,661
Net other operating profits		67,024			61,790			5,233
Net gains (losses) on debt securities		43,539			18,418			25,121
General and administrative expenses		555,226			568,300			(13,073	)
Personnel expenses		199,442			211,256			(11,813	)
Non-personnel expenses		325,411			326,415			(1,004	)
Amortization of goodwill		164			148			15
Taxes		30,373			30,628			(255	)
Net operating profits before provision for general allowance for credit losses and amortization of goodwill		417,256			480,595			(63,338	)
Net operating profits before provision for general allowance for credit losses		417,092			480,446			(63,354	)
Provision for general allowance for credit losses (1)		—			—			—
Net operating profits		417,092			480,446			(63,354	)
Net non-recurring gains (losses)		(6,853	)		57,933			(64,786	)
Credit costs (2)		(64,280	)		(58,860	)		(5,420	)
Losses on loan write-offs		(15,802	)		(19,303	)		3,501
Provision for specific allowance for credit losses		—			—			—
Other credit costs		(48,478	)		(39,556	)		(8,921	)
Reversal of allowance for credit losses (3)		50,973			72,400			(21,426	)
Reversal of reserve for contingent losses included in credit costs (4)		—			—			—
Gains on loans written-off (5)		8,574			7,724			850
Net gains (losses) on equity securities		23,471			32,130			(8,659	)
Gains on sales of equity securities		61,342			47,178			14,163
Losses on sales of equity securities		(27,401	)		(8,357	)		(19,043	)
Losses on write-down of equity securities		(10,469	)		(6,690	)		(3,779	)
Other non-recurring gains (losses)		(25,592	)		4,537			(30,130	)

Ordinary profits		410,239			538,379			(128,140	)

Net extraordinary gains (losses)		1,725			13,266			(11,540	)
Net gains (losses) on disposition of fixed assets		5,034			(4,101	)		9,135
Losses on impairment of fixed assets		(271	)		(951	)		680
Losses on liquidation of equity securities of subsidiaries		(4,850	)		—			(4,850	)
Gain on sales of equity securities of subsidiaries		2,600			18,319			(15,718	)
Income before income taxes		411,964			551,645			(139,680	)
Income taxes-current		98,189			119,046			(20,856	)
Income taxes-deferred		(9,268	)		52,945			(62,213	)
Total taxes		88,921			171,991			(83,070	)

Net income		323,043			379,654			(56,610	)


(Reference)
Total credit costs (1)+(2)+(3)+(4)+(5)		(4,731	)		21,264			(25,996	)

Mitsubishi UFJ Financial Group, Inc.

MUTB Consolidated


	(in millions of yen)
	For the six months ended						Increase (Decrease) (A) - (B)
	September 30, 2016 (A)			September 30, 2015 (B)			Increase (Decrease) (A) - (B)
Gross profits		232,909			236,353			(3,443	)
Gross profits before credit costs for trust accounts		232,909			236,352			(3,443	)
Trust fees		57,046			52,029			5,017
Trust fees before credit costs for trust accounts		57,045			52,028			5,017
Money trusts fees (Jointly operated designated money trusts before credit costs for trust account)		14,556			4,668			9,888
Other trust fees		42,489			47,360			(4,871	)
Credit costs for trust accounts (1)		0			0			0
Net interest income		50,915			91,167			(40,252	)
Net fees and commissions		96,899			94,006			2,892
Net trading profits		9,735			12,972			(3,236	)
Net other operating profits		18,313			(13,822	)		32,135
Net gains (losses) on debt securities		14,478			(2,103	)		16,582
General and administrative expenses		141,670			129,276			12,393
Amortization of goodwill		535			531			4
Net operating profits before credit costs for trust accounts, provision for general allowance for credit losses and amortization of goodwill		91,774			107,607			(15,832	)
Net operating profits before credit costs for trust accounts and provision for general allowance for credit losses		91,238			107,075			(15,837	)
Provision for general allowance for credit losses (2)		—			—			—
Net operating profits*		91,238			107,076			(15,837	)
Net non-recurring gains (losses)		14,309			8,260			6,048
Credit costs (3)		(403	)		(275	)		(127	)
Losses on loan write-offs		(362	)		(161	)		(200	)
Provision for specific allowance for credit losses		—			—			—
Other credit costs		(40	)		(114	)		73
Reversal of allowance for credit losses (4)		1,647			1,507			140
Reversal of reserve for contingent losses included in credit costs (5)		103			—			103
Gains on loans written-off (6)		458			192			265
Net gains (losses) on equity securities		13,466			1,929			11,537
Gains on sales of equity securities		15,191			5,977			9,213
Losses on sales of equity securities		(825	)		(3,003	)		2,177
Losses on write-down of equity securities		(899	)		(1,045	)		146
Profits (losses) from investments in affiliates		2,391			5,853			(3,461	)
Other non-recurring gains (losses)		(3,355	)		(945	)		(2,409	)

Ordinary profits		105,547			115,336			(9,788	)

Net extraordinary gains (losses)		(5,247	)		(512	)		(4,735	)
Net gains (losses) on disposition of fixed assets		(1,134	)		(4	)		(1,130	)
Losses on impairment of fixed assets		(1,339	)		(508	)		(831	)
Losses on liquidation of equity securities of subsidiaries		(2,773	)		—			(2,773	)
Profits before income taxes		100,300			114,824			(14,524	)
Income taxes-current		31,204			28,446			2,758
Income taxes-deferred		(1,965	)		1,265			(3,230	)
Total taxes		29,239			29,712			(472	)
Profits		71,060			85,111			(14,051	)
Profits attributable to non-controlling interests		5,620			5,517			103

Profits attributable to owners of parent		65,439			79,594			(14,155	)


Note:
* Net operating profits = Net operating 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)		1,806			1,424			382

Number of consolidated subsidiaries		52			56			(4	)
Number of affiliated companies accounted for under the equity method		13			12			1

Mitsubishi UFJ Financial Group, Inc.

MUTB Non-consolidated


	(in millions of yen)
	For the six months ended						Increase (Decrease) (A) - (B)
	September 30, 2016 (A)			September 30, 2015 (B)			Increase (Decrease) (A) - (B)
Gross profits		192,388			186,677			5,710
Gross profits before credit costs for trust accounts		192,387			186,677			5,710
Domestic gross profits		146,371			151,947			(5,575	)
Trust fees		49,897			45,638			4,259
Trust fees before credit costs for trust accounts		49,897			45,638			4,259
Money trusts fees (Jointly operated designated money trusts before credit costs for trust account)		14,556			4,668			9,888
Other trust fees		35,341			40,969			(5,628	)
Credit costs for trust accounts (1)		0			0			0
Net interest income		40,062			49,755			(9,692	)
Net fees and commissions		48,522			48,262			260
Net trading profits		4,587			12,704			(8,117	)
Net other operating profits		3,300			(4,414	)		7,714
Net gains (losses) on debt securities		5,440			384			5,055
Non-domestic gross profits		46,016			34,730			11,285
Net interest income		28,943			46,111			(17,168	)
Net fees and commissions		1,526			1,713			(187	)
Net trading profits		2,659			(2,660	)		5,320
Net other operating profits		12,886			(10,434	)		23,320
Net gains (losses) on debt securities		9,072			(2,402	)		11,475
General and administrative expenses		99,599			91,008			8,591
Personnel expenses		38,538			35,081			3,456
Non-personnel expenses		55,550			52,641			2,908
Taxes		5,511			3,284			2,226
Net operating profits before credit costs for trust accounts and provision for general allowance for credit losses		92,788			95,669			(2,881	)
Provision for general allowance for credit losses (2)		—			—			—
Net operating profits		92,788			95,669			(2,880	)
Net non-recurring gains (losses)		12,727			3,880			8,846
Credit costs (3)		(383	)		(264	)		(118	)
Losses on loan write-offs		(342	)		(150	)		(191	)
Provision for specific allowance for credit losses		—			—			—
Other credit costs		(40	)		(114	)		73
Reversal of allowance for credit losses (4)		1,617			1,407			209
Reversal of reserve for contingent losses included in credit costs (5)		103			—			103
Gains on loans written-off (6)		403			168			234
Net gains (losses) on equity securities		13,466			1,922			11,544
Gains on sales of equity securities		15,191			5,971			9,220
Losses on sales of equity securities		(825	)		(3,003	)		2,177
Losses on write-down of equity securities		(899	)		(1,045	)		146
Other non-recurring gains (losses)		(2,480	)		645			(3,126	)

Ordinary profits		105,515			99,549			5,965

Net extraordinary gains (losses)		(5,556	)		(454	)		(5,101	)
Net gains (losses) on disposition of fixed assets		(1,124	)		11			(1,136	)
Losses on impairment of fixed assets		(1,339	)		(465	)		(873	)
Losses on liquidation of equity securities of subsidiaries		(3,091	)		—			(3,091	)
Income before income taxes		99,959			99,095			863
Income taxes-current		25,485			22,901			2,584
Income taxes-deferred		(1,255	)		5,835			(7,090	)
Total taxes		24,230			28,736			(4,505	)

Net income		75,728			70,359			5,369


(Reference)
Total credit costs (1)+(2)+(3)+(4)+(5)+(6)		1,741			1,312			429

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, 2016 (A)			Increase (Decrease) (A) - (B)			For the six months ended September 30, 2015 (B)
Total average interest rate on interest-earning assets (a)		0.57			(0.08	)		0.65
Average interest rate on loans and bills discounted (b)		0.87			(0.07	)		0.95
Average interest rate on securities		0.70			(0.10	)		0.80
Total average interest rate on interest-bearing liabilities (c) <including general and administrative expenses>		0.62			(0.04	)		0.66
Average interest rate on deposits and NCD (d)		0.01			(0.02	)		0.03
Average interest rate on other liabilities		0.29			0.10			0.18
Overall interest rate spread (a)-(c)		(0.05	)		(0.04	)		(0.01	)
Interest rate spread (b)-(d)		0.86			(0.05	)		0.91

(After excluding loans to the Japanese government and governmental organizations)
Average interest rate on loans and bills discounted (e)		1.00			(0.12	)		1.13
Interest rate spread (e)-(d)		0.99			(0.10	)		1.10

MUTB Non-consolidated

	(percentage per annum)
(Domestic business segment)	For the six months ended September 30, 2016 (A)			Increase (Decrease) (A) - (B)			For the six months ended September 30, 2015 (B)
Total average interest rate on interest-earning assets (a)		0.51			(0.08	)		0.60
Average interest rate on loans and bills discounted (b)		0.52			(0.16	)		0.68
Average interest rate on securities		0.85			(0.03	)		0.88
Total average interest rate on interest-bearing liabilities (c)		0.15			(0.00	)		0.16
Average interest rate on deposits and NCD (d)		0.09			(0.03	)		0.13
Overall interest rate spread (a)-(c)		0.35			(0.08	)		0.43
Interest rate spread (b)-(d)		0.42			(0.12	)		0.55

(After excluding loans to the Japanese government and governmental organizations)
Average interest rate on loans and bills discounted (e)		0.55			(0.12	)		0.68
Interest rate spread (e)-(d)		0.46			(0.09	)		0.55

BTMU and MUTB Combined

	(percentage per annum)
(Domestic business segment)	For the six months ended September 30, 2016 (A)			Increase (Decrease) (A) - (B)			For the six months ended September 30, 2015 (B)
Average interest rate on loans and bills discounted (a)		0.81			(0.09	)		0.91
Average interest rate on deposits and NCD (b)		0.02			(0.02	)		0.04
Interest rate spread (a)-(b)		0.79			(0.07	)		0.86

(After excluding loans to the Japanese government and governmental organizations)
Average interest rate on loans and bills discounted (c)		0.92			(0.12	)		1.05
Interest rate spread (c)-(b)		0.90			(0.10	)		1.01

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, 2016

within 1 year

1 year to 5 years

over 5 years

Total

Receive-fix/pay-floater

1,427.3

5,966.8

10,380.5

17,774.7

Receive-floater/pay-fix

349.8

2,944.7

3,465.5

6,760.1

Receive-floater/pay-floater

—

Receive-fix/pay-fix

—

Total

1,777.2

8,911.5

13,846.1

24,534.9

BTMU Consolidated

(in billions of yen)

As of September 30, 2016

within 1 year

1 year to 5 years

over 5 years

Total

Receive-fix/pay-floater

741.3

4,411.2

9,590.0

14,742.6

Receive-floater/pay-fix

151.0

861.0

1,467.1

2,479.2

Receive-floater/pay-floater

—

Receive-fix/pay-fix

—

Total

892.4

5,272.2

11,057.2

17,221.9

MUTB Consolidated

(in billions of yen)

As of September 30, 2016

within 1 year

1 year to 5 years

over 5 years

Total

Receive-fix/pay-floater

686.0

1,555.6

790.4

3,032.0

Receive-floater/pay-fix

210.2

1,923.7

1,982.4

4,116.3

Receive-floater/pay-floater

—

Receive-fix/pay-fix

—

Total

896.2

3,479.3

2,772.9

7,148.4

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, 2016									As of March 31, 2016
	Amount on consolidated balance sheet		Differences			Gains		Losses		Amount on consolidated balance sheet		Differences			Gains		Losses
Debt securities being held to maturity		3,474,740		93,017			98,249		5,232		3,886,239		64,518			79,584		15,066
Domestic bonds		1,101,018		60,481			60,481		—		1,101,107		58,008			58,008		—
Government bonds		1,101,018		60,481			60,481		—		1,101,107		58,008			58,008		—
Municipal bonds		—		—			—		—		—		—			—		—
Corporate bonds		—		—			—		—		—		—			—		—
Other		2,373,722		32,535			37,768		5,232		2,785,132		6,510			21,576		15,066
Foreign bonds		1,063,121		33,117			33,235		118		1,233,171		6,746			12,805		6,058
Other		1,310,600		(581	)		4,532		5,114		1,551,961		(236	)		8,771		9,007

	(in millions of yen)
	As of September 30, 2016									As of March 31, 2016
	Amount on consolidated balance sheet		Differences			Gains		Losses		Amount on consolidated balance sheet		Differences			Gains		Losses
Available-for-sale securities		60,761,775		3,409,026			3,613,700		204,673		65,518,480		3,485,297			3,706,495		221,198
Domestic equity securities		4,624,945		2,042,574			2,144,280		101,705		4,873,212		2,205,424			2,295,767		90,342
Domestic bonds		28,055,148		695,136			699,033		3,897		30,322,492		718,247			721,722		3,475
Government bonds		24,414,844		612,091			613,542		1,451		27,255,998		631,901			632,132		231
Municipal bonds		762,993		13,233			13,271		38		449,330		11,539			11,623		84
Corporate bonds		2,877,310		69,812			72,219		2,407		2,617,163		74,806			77,966		3,159
Other		28,081,681		671,315			770,386		99,070		30,322,776		561,624			689,005		127,380
Foreign equity securities		144,552		17,640			38,228		20,587		149,076		23,820			35,445		11,624
Foreign bonds		24,709,611		617,606			631,079		13,472		26,650,433		510,987			544,870		33,883
Other		3,227,517		36,068			101,078		65,009		3,523,265		26,816			108,689		81,872

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, 2016

As of March 31, 2016

Amount on
balance sheet

Differences

Gains

Losses

Amount on
balance sheet

Differences

Gains

Losses

Debt securities being held to maturity

2,411,619

59,899

65,013

5,114

2,653,043

57,771

66,779

9,007

Stocks of subsidiaries and affiliates

932,607

(135,866

)

28,263

164,129

843,460

(91,424

)

29,661

121,086

(in millions of yen)

As of September 30, 2016

As of March 31, 2016

Amount on
balance sheet

Differences

Gains

Losses

Amount on
balance sheet

Differences

Gains

Losses

Available-for-sale securities

41,817,914

2,455,027

2,639,933

184,905

44,773,389

2,531,495

2,713,435

181,940

Domestic equity securities

3,740,312

1,534,937

1,633,955

99,017

3,943,763

1,661,719

1,751,653

89,934

Domestic bonds

21,728,383

601,094

603,558

2,464

23,353,550

619,996

621,020

1,024

Other

16,349,218

318,996

402,419

83,422

17,476,076

249,779

340,761

90,981

Foreign equity securities

135,940

12,401

33,572

21,171

142,546

18,227

29,916

11,688

Foreign bonds

14,375,420

338,777

344,533

5,755

15,024,229

279,857

285,357

5,500

Other

1,837,857

(32,182

)

24,312

56,495

2,309,300

(48,305

)

25,487

73,792

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

(in millions of yen)

As of September 30, 2016

As of March 31, 2016

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

9,415,824

4,245,313

5,484,547

3,683,717

9,503,563

5,596,113

5,325,107

4,029,848

Government bonds

9,248,462

3,610,046

4,291,591

2,639,992

9,377,044

4,996,212

4,581,169

3,029,462

Municipal bonds

25,009

118,287

579,470

319

10,160

106,842

292,183

329

Corporate bonds

142,352

516,980

613,484

1,043,404

116,358

493,058

451,754

1,000,056

Other

2,285,339

4,160,654

6,053,294

3,590,949

2,072,496

5,953,081

6,055,164

2,948,188

Foreign bonds

2,077,150

3,946,016

5,068,239

3,268,153

1,851,875

5,671,608

4,823,497

2,659,161

Other

208,189

214,638

985,055

322,796

220,621

281,472

1,231,667

289,026

Total

11,701,164

8,405,968

11,537,842

7,274,666

11,576,060

11,549,194

11,380,271

6,978,036

Mitsubishi UFJ Financial Group, Inc.

MUTB Non-consolidated

The tables include 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, 2016								As of March 31, 2016
	Amount on balance sheet		Differences		Gains		Losses		Amount on balance sheet		Differences		Gains		Losses
Debt securities being held to maturity		—		—		—		—		—		—		—		—
Stocks of subsidiaries and affiliates		60,671		46,072		46,232		160		57,771		50,968		51,070		102

	(in millions of yen)
	As of September 30, 2016								As of March 31, 2016
	Amount on balance sheet		Differences		Gains		Losses		Amount on balance sheet		Differences		Gains		Losses
Available-for-sale securities		15,962,024		844,064		868,960		24,895		17,108,424		873,305		899,752		26,447
Domestic equity securities		924,151		432,020		447,787		15,766		974,012		470,438		484,778		14,340
Domestic bonds		6,420,660		93,839		95,402		1,563		7,013,586		98,263		100,843		2,580
Other		8,617,212		318,204		325,770		7,565		9,120,825		304,604		314,131		9,526
Foreign equity securities		54		31		31		—		51		26		26		0
Foreign bonds		7,657,334		248,763		252,310		3,546		8,367,901		228,667		235,989		7,322
Other		959,824		69,409		73,428		4,019		752,872		75,910		78,114		2,204

Redemption schedule of other securities with maturities and debt securities being held to maturity
	(in millions of yen)
	As of September 30, 2016								As of March 31, 2016
	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		899,500		3,809,768		932,573		778,818		1,406,286		3,784,586		1,548,706		274,006
Government bonds		859,001		3,671,107		549,036		730,566		1,342,229		3,658,650		1,178,195		228,813
Municipal bonds		—		70		35,928		3,905		—		88		35,825		3,900
Corporate bonds		40,499		138,590		347,608		44,346		64,057		125,847		334,685		41,292
Other		789,183		2,909,401		2,772,309		1,745,448		809,569		3,407,239		3,072,071		1,445,720
Foreign bonds		742,135		2,586,547		2,584,207		1,744,444		774,774		3,145,573		3,021,564		1,425,989
Other		47,048		322,854		188,101		1,003		34,795		261,666		50,507		19,731

Total		1,688,683		6,719,170		3,704,883		2,524,266		2,215,856		7,191,826		4,620,778		1,719,726

Mitsubishi UFJ Financial Group, Inc.

5. ROE

MUFG Consolidated

(%)

For the six months
ended
September 30, 2016
(A)

Increase
(Decrease)
(A) - (B)

For the six months
ended
September 30, 2015
(B)

ROE

7.91

(1.67

)

9.59

Note:

ROE is computed as follows:


profits attributable to owners of parent × 2			×100
{(Total shareholders’ equity at the beginning of the period + Foreign currency translation adjustments at the beginning of the period) + (Total shareholders’ equity at the end of the period + Foreign currency translation adjustments at the end of the period)} / 2

Mitsubishi UFJ Financial Group, Inc.

6. Risk-Adjusted Capital Ratio


MUFG Consolidated	(in billions of yen)
	As of September 30, 2016 Preliminary (A)			Increase (Decrease) (A) - (B)			As of March 31, 2016 (B)
(1) Total capital ratio (4)/(7)		16.56	%		0.55	%		16.01	%
(2) Tier 1 capital ratio (5)/(7)		13.50	%		0.26	%		13.24	%
(3) Common Equity Tier 1 capital ratio (6)/(7)		12.20	%		0.56	%		11.63	%
(4) Total capital		17,424.3			(517.4	)		17,941.8
(5) Tier 1 capital		14,205.5			(633.7	)		14,839.2
(6) Common Equity Tier 1 capital		12,839.4			(200.4	)		13,039.8
(7) Risk weighted assets		105,206.2			(6,858.1	)		112,064.3
(8) Required Capital (7)x8%		8,416.4			(548.6	)		8,965.1

BTMU Consolidated	(in billions of yen)
	As of September 30, 2016 Preliminary (A)			Increase (Decrease) (A) - (B)			As of March 31, 2016 (B)
(1) Total capital ratio (4)/(7)		16.20	%		0.53	%		15.66	%
(2) Tier 1 capital ratio (5)/(7)		12.93	%		0.22	%		12.71	%
(3) Common Equity Tier 1 capital ratio (6)/(7)		11.64	%		0.55	%		11.08	%
(4) Total capital		13,545.6			(467.5	)		14,013.2
(5) Tier 1 capital		10,816.6			(558.5	)		11,375.2
(6) Common Equity Tier 1 capital		9,733.5			(184.2	)		9,917.7
(7) Risk weighted assets		83,596.9			(5,859.6	)		89,456.6
(8) Required Capital (7)×8%		6,687.7			(468.7	)		7,156.5

MUTB Consolidated	(in billions of yen)
	As of September 30, 2016 Preliminary (A)			Increase (Decrease) (A) - (B)			As of March 31, 2016 (B)
(1) Total capital ratio (4)/(7)		20.43	%		0.45	%		19.97	%
(2) Tier 1 capital ratio (5)/(7)		17.15	%		0.33	%		16.82	%
(3) Common Equity Tier 1 capital ratio (6)/(7)		16.38	%		0.36	%		16.01	%
(4) Total capital		2,359.8			(11.2	)		2,371.0
(5) Tier 1 capital		1,981.4			(15.1	)		1,996.6
(6) Common Equity Tier 1 capital		1,891.9			(8.7	)		1,900.6
(7) Risk weighted assets		11,549.4			(318.8	)		11,868.3
(8) Required Capital (7)x8%		923.9			(25.5	)		949.4

BTMU Non-consolidated	(in billions of yen)
	As of September 30, 2016 Preliminary (A)			Increase (Decrease) (A) - (B)			As of March 31, 2016 (B)
(1) Total capital ratio (4)/(7)		18.37	%		0.86	%		17.51	%
(2) Tier 1 capital ratio (5)/(7)		14.73	%		0.47	%		14.25	%
(3) Common Equity Tier 1 capital ratio (6)/(7)		12.97	%		0.66	%		12.30	%
(4) Total capital		12,819.0			(14.2	)		12,833.3
(5) Tier 1 capital		10,279.9			(166.7	)		10,446.7
(6) Common Equity Tier 1 capital		9,050.2			30.8			9,019.4
(7) Risk weighted assets		69,770.1			(3,507.7	)		73,277.9
(8) Required Capital (7)x8%		5,581.6			(280.6	)		5,862.2

MUTB Non-consolidated	(in billions of yen)
	As of September 30, 2016 Preliminary (A)			Increase (Decrease) (A) - (B)			As of March 31, 2016 (B)
(1) Total capital ratio (4)/(7)		21.81	%		0.73	%		21.08	%
(2) Tier 1 capital ratio (5)/(7)		18.07	%		0.61	%		17.45	%
(3) Common Equity Tier 1 capital ratio (6)/(7)		17.17	%		0.59	%		16.58	%
(4) Total capital		2,372.4			13.7			2,358.7
(5) Tier 1 capital		1,965.6			12.6			1,952.9
(6) Common Equity Tier 1 capital		1,867.7			12.2			1,855.5
(7) Risk weighted assets		10,874.5			(313.5	)		11,188.1
(8) Required Capital (7)x8%		869.9			(25.0	)		895.0

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.

Mitsubishi UFJ Financial Group, Inc.

7. Risk-Monitored Loans

MUFG Consolidated


(1) Risk-Monitored Loans
	(in millions of yen)
	As of September 30, 2016 (A)		% to total loans and bills discounted			As of March 31, 2016 (B)		% to total loans and bills discounted			Increase (Decrease) (A) - (B)			% to total loans and bills discounted
Loans to bankrupt borrowers		50,382		0.04	%		54,913		0.04	%		(4,531	)		(0.00	)%
Non-accrual delinquent loans		778,755		0.74	%		1,110,576		0.97	%		(331,821	)		(0.23	)%
Accruing loans contractually past due 3 months or more		49,669		0.04	%		51,620		0.04	%		(1,950	)		0.00	%
Restructured loans		665,784		0.63	%		438,767		0.38	%		227,017			0.24	%

Total risk monitored loans		1,544,592		1.47	%		1,655,877		1.45	%		(111,285	)		0.01	%

Total loans and bills discounted		104,844,873		——			113,756,325		——			(8,911,451	)		——

Written-off		413,491		——			397,076		——			16,414			——
(2) Allowance for Credit Losses
	(in millions of yen)
	As of September 30, 2016 (A)		% to total risk monitored loans			As of March 31, 2016 (B)		% to total risk monitored loans			Increase (Decrease) (A) - (B)			% to total risk monitored loans
Allowance for credit losses		925,288		59.90	%		1,057,585		63.86	%		(132,297	)		(3.96	)%
General allowance for credit losses		661,320		——			571,689		——			89,631			——
Specific allowance for credit losses		263,608		——			485,577		——			(221,969	)		——
Allowance for credit to specific foreign borrowers		358		——			318		——			39			——
(3) Classification of Risk-Monitored Loans

Classified by Geographic Area


	(in millions of yen)
	As of September 30, 2016 (A)		As of March 31, 2016 (B)		Increase (Decrease) (A) - (B)
Domestic		1,085,917		1,177,149		(91,231	)
Overseas		458,674		478,728		(20,053	)
Asia		124,510		145,343		(20,832	)
Indonesia		7,484		7,451		33
Singapore		15,476		18,414		(2,938	)
Thailand		81,881		93,510		(11,628	)
China		3,128		3,488		(360	)
Other		16,539		22,477		(5,938	)
Americas		207,437		199,432		8,004
Europe, Middle East and Other		126,726		133,952		(7,225	)

Total		1,544,592		1,655,877		(111,285	)

Classified by Industry


	(in millions of yen)
	As of September 30, 2016 (A)		As of March 31, 2016 (B)		Increase (Decrease) (A) - (B)
Domestic		1,085,917		1,177,149		(91,231	)
Manufacturing		394,908		430,858		(35,949	)
Construction		17,873		20,705		(2,832	)
Wholesale and retail		151,021		164,429		(13,408	)
Finance and insurance		420		1,466		(1,045	)
Real estate, goods rental and leasing		81,162		90,620		(9,457	)
Services		57,447		67,387		(9,939	)
Other industries		27,268		32,828		(5,560	)
Consumer		355,813		368,852		(13,038	)
Overseas		458,674		478,728		(20,053	)
Financial institutions		12,072		14,361		(2,288	)
Commercial and industrial		321,470		319,456		2,014
Other		125,131		144,910		(19,779	)

Total		1,544,592		1,655,877		(111,285	)

Mitsubishi UFJ Financial Group, Inc.

BTMU Non-consolidated


(1) Risk-Monitored Loans
	(in millions of yen)
	As of September 30, 2016 (A)		% to total loans and bills discounted			As of March 31, 2016 (B)		% to total loans and bills discounted			Increase (Decrease) (A) - (B)			% to total loans and bills discounted
Loans to bankrupt borrowers		42,397		0.05	%		46,057		0.05	%		(3,659	)		0.00	%
Non-accrual delinquent loans		549,247		0.69	%		851,173		0.98	%		(301,925	)		(0.29	)%
Accruing loans contractually past due 3 months or more		51,819		0.06	%		54,585		0.06	%		(2,765	)		0.00	%
Restructured loans		517,686		0.65	%		276,441		0.31	%		241,245			0.33	%

Total risk monitored loans		1,161,151		1.46	%		1,228,257		1.41	%		(67,105	)		0.04	%

Total loans and bills discounted		79,523,573		——			86,691,727		——			(7,168,153	)		——

Written-off		333,232		——			309,542		——			23,690			——
(2) Allowance for Credit Losses
	(in millions of yen)
	As of September 30, 2016 (A)		% to total risk monitored loans			As of March 31, 2016 (B)		% to total risk monitored loans			Increase (Decrease) (A) - (B)			% to total risk monitored loans
Allowance for credit losses		565,093		48.66	%		665,588		54.18	%		(100,494	)		(5.52	)%
General allowance for credit losses		398,913		——			290,081		——			108,831			——
Specific allowance for credit losses		165,823		——			375,188		——			(209,364	)		——
Allowance for credit to specific foreign borrowers		356		——			318		——			38			——

(3) Classification of Risk-Monitored Loans

Classified by Geographic Area


	(in millions of yen)
	As of September 30, 2016 (A)		As of March 31, 2016 (B)		Increase (Decrease) (A) - (B)
Domestic		883,106		972,296		(89,189	)
Overseas		278,044		255,960		22,083
Asia		37,613		44,823		(7,209	)
Indonesia		2,665		2,979		(314	)
Singapore		15,476		18,414		(2,938	)
Thailand		5		—		5
China		3,035		3,380		(344	)
Other		16,431		20,048		(3,617	)
Americas		113,866		77,184		36,681
Europe, Middle East and Other		126,564		133,952		(7,387	)

Total		1,161,151		1,228,257		(67,105	)

Classified by Industry


	(in millions of yen)
	As of September 30, 2016 (A)		As of March 31, 2016 (B)		Increase (Decrease) (A) - (B)
Domestic		883,106		972,296		(89,189	)
Manufacturing		372,515		405,969		(33,453	)
Construction		17,187		20,003		(2,816	)
Wholesale and retail		149,390		162,914		(13,524	)
Finance and insurance		397		1,443		(1,045	)
Real estate		71,186		79,324		(8,138	)
Goods rental and leasing		2,501		2,720		(219	)
Services		57,144		67,072		(9,927	)
Other industries		26,950		32,500		(5,550	)
Consumer		185,832		200,346		(14,514	)
Overseas		278,044		255,960		22,083
Financial institutions		11,931		14,290		(2,358	)
Commercial and industrial		212,023		181,531		30,491
Other		54,089		60,138		(6,049	)

Total		1,161,151		1,228,257		(67,105	)

Mitsubishi UFJ Financial Group, Inc.

MUTB Non-consolidated

(1) Risk-Monitored Loans


	(in millions of yen)
	As of September 30, 2016 (A)		% to total loans and bills discounted			As of March 31, 2016 (B)		% to total loans and bills discounted			Increase (Decrease) (A) - (B)			% to total loans and bills discounted
Loans to bankrupt borrowers		563		0.00	%		526		0.00	%		36			0.00	%
Non-accrual delinquent loans		10,237		0.07	%		32,576		0.24	%		(22,338	)		(0.17	)%
Accruing loans contractually past due 3 months or more		201		0.00	%		214		0.00	%		(13	)		(0.00	)%
Restructured loans		27,170		0.20	%		9,886		0.07	%		17,283			0.12	%

Total risk monitored loans		38,172		0.28	%		43,203		0.32	%		(5,031	)		(0.04	)%

Total loans and bills discounted		13,573,206		——			13,192,538		——			380,668			——

Written-off		8,285		——			7,459		——			825			——

(2) Allowance for Credit Losses

	(in millions of yen)
	As of September 30, 2016 (A)		% to total risk monitored loans			As of March 31, 2016 (B)		% to total risk monitored loans			Increase (Decrease) (A) - (B)			% to total risk monitored loans
Allowance for credit losses		34,114		89.37	%		37,084		85.83	%		(2,969	)		3.53	%
General allowance for credit losses		33,080		——			26,355		——			6,725			——
Specific allowance for credit losses		1,031		——			10,729		——			(9,697	)		——
Allowance for credit to specific foreign borrowers		1		——			0		——			1			——

(3) Classification of Risk-Monitored Loans

Classified by Geographic Area


	(in millions of yen)
	As of September 30, 2016 (A)		As of March 31, 2016 (B)		Increase (Decrease) (A) - (B)
Domestic		38,172		43,181		(5,008	)
Overseas		—		22		(22	)
Asia		—		—		—
Americas		—		22		(22	)
Europe, Middle East and Other		—		—		—

Total		38,172		43,203		(5,031	)


Classified by Industry

	(in millions of yen)
	As of September 30, 2016 (A)		As of March 31, 2016 (B)		Increase (Decrease) (A) - (B)
Domestic		38,172		43,181		(5,008	)
Manufacturing		22,365		24,857		(2,492	)
Construction		669		684		(15	)
Wholesale and retail		1,409		1,353		56
Finance and insurance		—		—		—
Real estate		7,426		8,524		(1,098	)
Goods rental and leasing		—		—		—
Services		284		296		(11	)
Other industries		313		322		(9	)
Consumer		5,704		7,143		(1,438	)
Overseas		—		22		(22	)
Financial institutions		—		—		—
Commercial and industrial		—		—		—
Other		—		22		(22	)

Total		38,172		43,203		(5,031	)

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, 2016 (A)		% to total loans and bills discounted			As of March 31, 2016 (B)		% to total loans and bills discounted			Increase (Decrease) (A) - (B)			% to total loans and bills discounted
Loans to bankrupt borrowers		3		0.01	%		11		0.04	%		(7	)		(0.03	)%
Non-accrual delinquent loans		0		0.00	%		0		0.00	%		(0	)		(0.00	)%
Accruing loans contractually past due 3 months or more		5		0.02	%		5		0.02	%		—			0.00	%
Restructured loans		597		2.91	%		606		2.62	%		(8	)		0.29	%

Total risk monitored loans		606		2.96	%		623		2.69	%		(16	)		0.26	%

Total loans and bills discounted		20,489		——			23,111		——			(2,622	)		——

(2) Allowance for Credit Losses


	(in millions of yen)
	As of September 30, 2016 (A)		As of March 31, 2016 (B)		Increase (Decrease) (A) - (B)
Allowance for bad debts		64		69		(4	)
(3) Classification of Risk-Monitored Loans Classified by Industry
	(in millions of yen)
	As of September 30, 2016 (A)		As of March 31, 2016 (B)		Increase (Decrease) (A) - (B)
Domestic		606		623		(16	)
Manufacturing		—		—		—
Construction		—		—		—
Wholesale and retail		—		—		—
Finance and insurance		—		—		—
Real estate		549		564		(15	)
Goods rental and leasing		—		—		—
Services		—		—		—
Other industries		—		—		—
Consumer		57		59		(1	)

Total		606		623		(16	)

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, 2016 (A)			As of March 31, 2016 (B)			Increase (Decrease) (A) - (B)
Bankrupt or De facto Bankrupt		126,824			118,819			8,005
Doubtful		489,307			846,495			(357,187	)
Special Attention		597,375			341,635			255,739
Non Performing Loans (1)		1,213,507			1,306,950			(93,442	)

Normal		101,122,971			108,009,909			(6,886,937	)

Total		102,336,479			109,316,859			(6,980,380	)

Non Performing Loans / Total		1.18	%		1.19	%		(0.00	)%

(2) Status of Coverage of Non Performing Loans

	(in millions of yen)
	As of September 30, 2016 (A)			As of March 31, 2016 (B)			Increase (Decrease) (A) - (B)
Covered amount (2)		987,762			1,096,492			(108,730	)
Allowance for credit losses		380,570			461,495			(80,924	)
Collateral, guarantees, etc.		607,191			634,997			(27,805	)

Coverage ratio (2) / (1)		81.39	%		83.89	%		(2.49	)%

(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

126,824

12,568

114,256

100.00

[118,819

]

[17,327

]

[101,491

]

[100.00

Doubtful

489,307

153,175

247,203

81.82

[846,495

]

[355,601

]

[348,378

]

[83.16

Special Attention

597,375

214,826

245,731

77.09

[341,635

]

[88,566

]

[185,127

]

[80.11

Total

1,213,507

380,570

607,191

81.39

[1,306,950

]

[461,495

]

[634,997

]

[83.89

Note: The upper figures are as of September 30, 2016. The lower figures with brackets are as of March 31, 2016.

(4) Classified by Industry


	(in millions of yen)
	As of September 30, 2016 (A)		As of March 31, 2016 (B)		Increase (Decrease) (A) - (B)
Domestic		930,430		1,043,076		(112,646	)
Manufacturing		395,755		446,091		(50,335	)
Construction		17,940		20,787		(2,847	)
Wholesale and retail		155,194		172,559		(17,365	)
Finance and insurance		1,771		2,777		(1,006	)
Real estate		79,398		88,661		(9,263	)
Goods rental and leasing		2,501		2,722		(220	)
Services		57,882		67,852		(9,970	)
Other industries		28,088		33,701		(5,613	)
Consumer		191,897		207,921		(16,024	)
Overseas		283,077		263,873		19,203
Financial institutions		12,139		14,290		(2,150	)
Commercial and industrial		216,848		189,422		27,425
Other		54,089		60,160		(6,071	)

Total		1,213,507		1,306,950		(93,442	)

Mitsubishi UFJ Financial Group, Inc.

BTMU Non-consolidated

(1) Non Performing Loans


	(in millions of yen)
	As of September 30, 2016 (A)			As of March 31, 2016 (B)			Increase (Decrease) (A) - (B)
Bankrupt or De facto Bankrupt		124,891			116,853			8,038
Doubtful		480,318			815,231			(334,912	)
Special Attention		569,506			331,026			238,479
Non Performing Loans (1)		1,174,716			1,263,111			(88,394	)

Normal		87,106,127			94,370,441			(7,264,314	)

Total		88,280,843			95,633,552			(7,352,708	)

Non Performing Loans / Total		1.33	%		1.32	%		0.00	%

(2) Status of Coverage of Non Performing Loans

	(in millions of yen)
	As of September 30, 2016 (A)			As of March 31, 2016 (B)			Increase (Decrease) (A) - (B)
Covered amount (2)		956,318			1,059,742			(103,424	)
Allowance for credit losses		368,535			447,041			(78,505	)
Collateral, guarantees, etc.		587,782			612,701			(24,918	)

Coverage ratio (2) / (1)		81.40	%		83.89	%		(2.49	)%

(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

124,891

12,559

112,332

100.00

[116,853

]

[17,316

]

[99,536

]

[100.00

Doubtful

480,318

152,625

239,491

63.37

81.63

[815,231

]

[345,361

]

[331,408

]

[71.38

[83.01

Special Attention

569,506

203,351

235,958

60.96

77.13

[331,026

]

[84,363

]

[181,756

]

[56.51

[80.39

Total

1,174,716

368,535

587,782

62.78

81.40

[1,263,111

]

[447,041

]

[612,701

]

[68.73

[83.89

Note:

The upper figures are as of September 30, 2016. The lower figures with brackets are as of March 31, 2016.

(4) Classified by Industry


	(in millions of yen)
	As of September 30, 2016 (A)		As of March 31, 2016 (B)		Increase (Decrease) (A) - (B)
Domestic		891,638		999,259		(107,620	)
Manufacturing		373,390		421,233		(47,843	)
Construction		17,271		20,103		(2,832	)
Wholesale and retail		153,785		171,206		(17,421	)
Finance and insurance		1,771		2,777		(1,006	)
Real estate		71,422		79,572		(8,149	)
Goods rental and leasing		2,501		2,722		(220	)
Services		57,597		67,556		(9,958	)
Other industries		27,775		33,379		(5,603	)
Consumer		186,123		200,707		(14,584	)
Overseas		283,077		263,851		19,225
Financial institutions		12,139		14,290		(2,150	)
Commercial and industrial		216,848		189,422		27,425
Other		54,089		60,138		(6,049	)

Total		1,174,716		1,263,111		(88,394	)

Mitsubishi UFJ Financial Group, Inc.

MUTB Non-consolidated

(1) Non Performing Loans


	(in millions of yen)
	As of September 30, 2016 (A)			As of March 31, 2016 (B)			Increase (Decrease) (A) - (B)
Bankrupt or De facto Bankrupt		1,929			1,954			(25	)
Doubtful		8,883			31,159			(22,276	)
Special Attention		27,371			10,101			17,270
Non Performing Loans (1)		38,184			43,215			(5,031	)


Normal		13,996,962			13,616,979			379,982

Total		14,035,146			13,660,195			374,950

Non Performing Loans / Total		0.27	%		0.31	%		(0.04	)%
(2) Status of Coverage of Non Performing Loans
	(in millions of yen)
	As of September 30, 2016 (A)			As of March 31, 2016 (B)			Increase (Decrease) (A) - (B)
Covered amount (2)		30,897			36,260			(5,363	)
Allowance for credit losses		12,035			14,454			(2,419	)
Collateral, guarantees, etc.		18,861			21,805			(2,944	)

Coverage ratio (2) / (1)		80.91	%		83.90	%		(2.98	)%

(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

1,929

1,920

100.00

[1,954

]

[10

]

[1,943

]

[100.00

Doubtful

8,883

550

7,609

43.21

91.85

[31,159

]

[10,239

]

[16,879

]

[71.70

[87.03

Special Attention

27,371

11,475

9,331

63.61

76.01

[10,101

]

[4,203

]

[2,982

]

[59.05

[71.14

Total

38,184

12,035

18,861

62.28

80.91

[43,215

]

[14,454

]

[21,805

]

[67.51

[83.90

Note:

The upper figures are as of September 30, 2016. The lower figures with brackets are as of March 31, 2016.

(4) Classified by Industry


	(in millions of yen)
	As of September 30, 2016 (A)		As of March 31, 2016 (B)		Increase (Decrease) (A) - (B)
Domestic		38,184		43,193		(5,009	)
Manufacturing		22,365		24,857		(2,492	)
Construction		669		684		(15	)
Wholesale and retail		1,409		1,353		56
Finance and insurance		—		—		—
Real estate		7,426		8,524		(1,098	)
Goods rental and leasing		—		—		—
Services		284		296		(11	)
Other industries		313		322		(9	)
Consumer		5,716		7,155		(1,438	)
Overseas		—		22		(22	)
Financial institutions		—		—		—
Commercial and industrial		—		—		—
Other		—		22		(22	)

Total		38,184		43,215		(5,031	)

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, 2016 (A)			As of March 31, 2016 (B)			Increase (Decrease) (A) - (B)
Bankrupt or De facto Bankrupt								3			11			(7	)
Doubtful								105			104			1
Special Attention								497			507			(10	)
Non Performing Loans (1)								606			623			(16	)


Normal								19,882			22,488			(2,605	)

Total								20,489			23,111			(2,622	)

Non Performing Loans / Total								2.96	%		2.69	%		0.26	%

(2) Status of Coverage of Non Performing Loans

							(in millions of yen)
							As of September 30, 2016 (A)			As of March 31, 2016 (B)			Increase (Decrease) (A) - (B)
Covered amount (2)								547			490			56
Allowance for credit losses								—			—			—
Collateral, guarantees, etc.								547			490			56

Coverage ratio (2) / (1)								90.19	%		78.65	%		11.54	%
(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		3			—			3						100.00	%
Bankrupt or De facto Bankrupt		[11	]		[—	]		[11	]					[100.00	%]
Doubtful		105			—			102						96.89	%
Doubtful		[104	]		[—	]		[90	]					[87.31	%]
Special Attention		497			—			440						88.69	%
Special Attention		[507	]		[—	]		[387	]					[76.38	%]
Total		606			—			547						90.19	%
Total		[623	]		[—	]		[490	]					[78.65	%]

Note: The upper figures are as of September 30, 2016. The lower figures with brackets are as of March 31, 2016. (4) Classified by Industry
							(in millions of yen)
							As of September 30, 2016 (A)			As of March 31, 2016 (B)			Increase (Decrease) (A) - (B)
Domestic								606			623			(16	)
Manufacturing								—			—			—
Construction								—			—			—
Wholesale and retail								—			—			—
Finance and insurance								—			—			—
Real estate								549			564			(15	)
Goods rental and leasing								—			—			—
Services								—			—			—
Other industries								—			—			—
Consumer								57			59			(1	)

Total								606			623			(16	)

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

[114.2]

[11.2]

[1.3]

(*1)

100.00%

i) Bankrupt or

De facto Bankrupt

[126.8]

Loans to bankrupt borrowers

[42.9]

Substantially
Bankrupt
Borrowers

Non-accrual

delinquent loans

[559.4]

Potentially
Bankrupt
Borrowers

[247.5]

[241.7]

63.26%

ii) Doubtful

[489.2]

Borrowers
Requiring
Caution
(Special
Attention
Borrowers)

[596.8]

61.10%

iii) Special Attention

[596.8]

Accruing loans contractually past due

3 months or more

[52.0]

Restructured loans

[544.8]

Borrowers
Requiring
Caution
(Other
Borrowers)

iv) Normal

[101,103.0]

Normal
Borrowers

Non-Performing Loans Based on the “FRL”

Risk-Monitored Loans

i) + ii) + iii)

1,212.9

1,199.3

Total

i) + ii) + iii) + iv)

102,315.9

(*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, 2014		As of March 31, 2015		As of March 31, 2016 (A)		As of September 30, 2016 (B)		(B) - (A)
Assets newly categorized during fiscal 2013		195,312		121,427		86,518		52,946		(33,572	)
Assets newly categorized during fiscal 2014				98,674		61,087		51,653		(9,434	)
Assets newly categorized during fiscal 2015						500,907		156,698		(344,208	)
Assets newly categorized during fiscal 2016								112,817

(2)	Progress in Disposition of Problem Assets


	(in millions of yen)
	For the first half of the fiscal year ended September 30, 2016
			Bankrupt or De facto Bankrupt		Doubtful
Liquidation		3,548		——		——
Reconstructive treatment		23,373		——		——
Upgrade due to reconstructive treatment		—		——		——
Loan sold to secondary market		1,495		——		——
Write-offs		32,123		——		——
Others		379,150		——		——
Collection / Repayment		47,715		——		——
Upgrade		331,434		——		——

Total		439,691		22,024		417,667


Amount in process for disposition		107,555

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, 2014		As of March 31, 2015		As of March 31, 2016 (A)		As of September 30, 2016 (B)		(B) - (A)
Assets newly categorized during fiscal 2013		6,315		3,069		2,510		743		(1,767	)
Assets newly categorized during fiscal 2014				7,495		1,730		363		(1,367	)
Assets newly categorized during fiscal 2015						18,743		1,194		(17,549	)
Assets newly categorized during fiscal 2016								1,135

(2)	Progress in Disposition of Problem Assets


	(in millions of yen)
	For the first half of the fiscal year ended September 30, 2016
			Bankrupt or De facto Bankrupt		Doubtful
Liquidation		—		——		——
Reconstructive treatment		—		——		——
Upgrade due to reconstructive treatment		—		——		——
Loan sold to secondary market		1,278		——		——
Write-offs		1,579		——		——
Others		20,584		——		——
Collection / Repayment		2,223		——		——
Upgrade		18,361		——		——

Total		23,443		225		23,218


Amount in process for disposition		2,096

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, 2016 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2016 (B)
Domestic offices (excluding loans booked at offshore markets)		67,713,460			(4,975,735	)		72,689,196
Manufacturing		10,519,959			(287,805	)		10,807,764
Agriculture, forestry, fishery, mining, quarrying of stone and gravel		143,740			(15,718	)		159,458
Construction		751,091			(69,506	)		820,597
Utilities		1,598,138			18,887			1,579,251
Communication and information services		1,482,394			197,965			1,284,429
Transport and postal activities		2,167,775			(21,148	)		2,188,923
Wholesale and retail		6,414,783			(27,276	)		6,442,059
Finance and insurance		8,178,449			(299,878	)		8,478,327
Real estate		8,771,097			59,257			8,711,840
Goods rental and leasing		1,929,191			66,142			1,863,049
Services		2,499,942			(16,825	)		2,516,767
Municipal government		613,659			7,266			606,393
Other industries (including loans to the Japanese government)		22,643,227			(4,587,098	)		27,230,325
Overseas offices and loans booked at offshore markets		25,556,238			(1,789,402	)		27,345,641

Total		93,269,699			(6,765,137	)		100,034,837

(2) Domestic Consumer Loans
	(in millions of yen)
	As of September 30, 2016 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2016 (B)
Total domestic consumer loans		16,446,982			80,851			16,366,131
Housing loans		15,637,906			67,120			15,570,786
Residential purpose		13,465,708			123,375			13,342,333
Other		809,075			13,731			795,344
(3) Domestic Loans to Small/Medium-Sized Companies and Proprietors
	(in millions of yen)
	As of September 30, 2016 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2016 (B)
Outstanding amount		39,502,972			(60,089	)		39,563,061
% to total domestic loans		58.33	%		3.91	%		54.42	%

Mitsubishi UFJ Financial Group, Inc.

BTMU Non-consolidated

(1) Loans Classified by Type of Industry


	(in millions of yen)
	As of September 30, 2016 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2016 (B)
Domestic offices (excluding loans booked at offshore markets)		56,098,428			(5,638,285	)		61,736,714
Manufacturing		8,531,799			(238,324	)		8,770,123
Agriculture, forestry, fishery, mining, quarrying of stone and gravel		140,311			(15,273	)		155,584
Construction		655,722			(60,321	)		716,043
Utilities		1,206,385			(9,207	)		1,215,592
Communication and information services		1,187,945			133,224			1,054,721
Transport and postal activities		1,583,189			(11,490	)		1,594,679
Wholesale and retail		5,549,958			19,406			5,530,552
Finance and insurance		5,840,010			(323,464	)		6,163,474
Real estate		6,864,619			(32,090	)		6,896,709
Goods rental and leasing		1,209,496			45,836			1,163,660
Services		2,348,928			(22,550	)		2,371,478
Municipal government		605,372			7,994			597,378
Other industries (including loans to the Japanese government)		20,374,694			(5,132,027	)		25,506,721
Overseas offices and loans booked at offshore markets		23,425,145			(1,529,867	)		24,955,012

Total		79,523,573			(7,168,153	)		86,691,727

(2) Domestic Consumer Loans
	(in millions of yen)
	As of September 30, 2016 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2016 (B)
Total domestic consumer loans		15,073,065			83,288			14,989,776
Housing loans		14,269,053			69,166			14,199,887
Residential purpose		12,250,560			111,483			12,139,077
Other		804,011			14,122			789,889
(3) Domestic Loans to Small/Medium-Sized Companies and Proprietors
	(in millions of yen)
	As of September 30, 2016 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2016 (B)
Outstanding amount		33,718,711			(190,183	)		33,908,894
% to total domestic loans		60.10	%		5.18	%		54.92	%

Mitsubishi UFJ Financial Group, Inc.

MUTB Non-consolidated

(1) Loans Classified by Type of Industry


	(in millions of yen)
	As of September 30, 2016 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2016 (B)
Domestic offices (excluding loans booked at offshore markets)		11,442,113			640,203			10,801,910
Manufacturing		1,988,160			(49,481	)		2,037,641
Agriculture, forestry, fishery, mining, quarrying of stone and gravel		3,429			(445	)		3,874
Construction		95,369			(9,185	)		104,554
Utilities		391,753			28,094			363,659
Communication and information services		294,449			64,741			229,708
Transport and postal activities		584,586			(9,658	)		594,244
Wholesale and retail		864,825			(46,682	)		911,507
Finance and insurance		2,331,937			23,994			2,307,943
Real estate		1,899,981			93,078			1,806,903
Goods rental and leasing		719,695			20,306			699,389
Services		151,009			5,725			145,284
Municipal government		3,469			(699	)		4,168
Other industries (including loans to the Japanese government)		2,113,439			520,414			1,593,025
Overseas offices and loans booked at offshore markets		2,131,093			(259,535	)		2,390,628

Total		13,573,206			380,668			13,192,538


(2) Domestic Consumer Loans
	(in millions of yen)
	As of September 30, 2016 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2016 (B)
Total domestic consumer loans		1,364,849			(1,629	)		1,366,478
Housing loans		1,359,849			(1,251	)		1,361,100
Residential purpose		1,206,808			12,631			1,194,177
Other		4,999			(378	)		5,377

(3) Domestic Loans to Small/Medium-Sized Companies and Proprietors
	(in millions of yen)
	As of September 30, 2016 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2016 (B)
Outstanding amount		5,622,663			107,310			5,515,353
% to total domestic loans		49.14	%		(1.91	)%		51.05	%

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, 2016 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2016 (B)
Domestic offices (excluding loans booked at offshore markets)		172,918			22,347			150,571
Manufacturing		—			—			—
Agriculture, forestry, fishery, mining, quarrying of stone and gravel		—			—			—
Construction		—			—			—
Utilities		—			—			—
Communication and information services		—			—			—
Transport and postal activities		—			—			—
Wholesale and retail		—			—			—
Finance and insurance		6,502			(408	)		6,910
Real estate		6,497			(1,731	)		8,228
Goods rental and leasing		—			—			—
Services		5			—			5
Municipal government		4,818			(29	)		4,847
Other industries (including loans to the Japanese government)		155,094			24,515			130,579
Overseas offices and loans booked at offshore markets		—			—			—

Total		172,918			22,347			150,571


(2) Domestic Consumer Loans
	(in millions of yen)
	As of September 30, 2016 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2016 (B)
Total domestic consumer loans		9,067			(807	)		9,875
Housing loans		9,003			(794	)		9,798
Residential purpose		8,339			(738	)		9,078
Other		63			(12	)		76

(3) Domestic Loans to Small/Medium-Sized Companies and Proprietors
	(in millions of yen)
	As of September 30, 2016 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2016 (B)
Outstanding amount		161,598			22,784			138,814
% to total domestic loans		93.45	%		1.26	%		92.19	%

Mitsubishi UFJ Financial Group, Inc.

11. Overseas Loans

BTMU and MUTB Combined


	(in millions of yen)
	As of September 30, 2016 (A)		Increase (Decrease) (A) - (B)			As of March 31, 2016 (B)
Asia		6,445,697		(756,542	)		7,202,239
Thailand		196,907		(45,062	)		241,969
Indonesia		769,257		(82,280	)		851,537
Malaysia		385,988		(154,587	)		540,576
Philippines		161,110		(25,517	)		186,628
South Korea		496,666		(35,329	)		531,996
Singapore		1,114,663		(127,497	)		1,242,161
Hong Kong		1,915,789		(190,576	)		2,106,366
China		137,810		(40,142	)		177,953
Taiwan		388,611		10,947			377,664
Others		878,891		(66,494	)		945,386
Latin America		3,793,127		(523,736	)		4,316,864
Argentina		41,945		16,160			25,784
Brazil		621,327		(26,526	)		647,854
Mexico		406,054		(19,250	)		425,305
Caribbean countries		2,295,442		(439,739	)		2,735,182
Others		428,356		(54,379	)		482,736
North America		8,083,976		273,571			7,810,405
United States of America		7,425,964		(122,741	)		7,548,706
Canada		658,011		396,312			261,699
Western Europe		4,859,947		(625,635	)		5,485,582
United Kingdom		1,915,877		(253,646	)		2,169,523
Germany		416,012		(118,637	)		534,650
France		437,204		(23,028	)		460,233
Netherlands		711,124		(19,825	)		730,950
Spain		140,086		(36,586	)		176,673
Italy		169,533		(39,273	)		208,807
Others		1,070,106		(134,637	)		1,204,744
Eastern Europe		153,114		(76,860	)		229,974
Others		4,316,343		(96,453	)		4,412,796

Total		27,652,207		(1,805,656	)		29,457,864

Note:

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

MUFG Americas Holdings Corporation : ¥8,133,508 million (a 1,125,168 million yen decrease as compared with March 31, 2016.)

Bank of Ayudhya Public Company Limited : ¥3,131,076 million (a 337,231 million yen decrease as compared with March 31, 2016.)

Bank of Tokyo-Mitsubishi UFJ (China), Ltd.: ¥1,152,464 million (a 328,772 million yen decrease as compared with March 31, 2016.)

MUFG Bank (Europe) N.V. : ¥602,454 million (a 3,426 million yen increase as compared with March 31, 2016.)

Bank of Tokyo-Mitsubishi UFJ (Malaysia) Berhad : ¥419,537 million (a 50,413 million yen decrease as compared with March 31, 2016.)

Mitsubishi UFJ Financial Group, Inc.

12. Loans and Deposits

BTMU and MUTB Combined


	(in millions of yen)
	As of September 30, 2016 (A)		Increase (Decrease) (A) - (B)			As of March 31, 2016 (B)
Deposits (ending balance)		148,655,488		3,323,490			145,331,997
Deposits (average balance)		145,240,977		7,194,851			138,046,126
Loans (ending balance)		93,096,780		(6,787,485	)		99,884,265
Loans (average balance)		95,478,781		(1,699,001	)		97,177,782

BTMU Non-consolidated

	(in millions of yen)
	As of September 30, 2016 (A)		Increase (Decrease) (A) - (B)			As of March 31, 2016 (B)
Deposits (ending balance)		134,123,071		2,136,489			131,986,582
Deposits (average balance)		131,445,108		6,177,135			125,267,973
Loans (ending balance)		79,523,573		(7,168,153	)		86,691,727
Loans (average balance)		82,296,787		(2,154,079	)		84,450,867

MUTB Non-consolidated

	(in millions of yen)
	As of September 30, 2016 (A)		Increase (Decrease) (A) - (B)			As of March 31, 2016 (B)
Deposits (ending balance)		14,532,416		1,187,001			13,345,415
Deposits (average balance)		13,795,868		1,017,716			12,778,152
Loans (ending balance)		13,573,206		380,668			13,192,538
Loans (average balance)		13,181,993		455,078			12,726,915

Mitsubishi UFJ Financial Group, Inc.

13. Domestic Deposits

BTMU and MUTB Combined

(in millions of yen)

As of
September 30, 2016
(A)

Increase
(Decrease)
(A) - (B)

As of
March 31, 2016
(B)

Individuals

71,268,232

199,596

71,068,636

Corporations and others

56,291,780

3,509,469

52,782,310

Domestic deposits

127,560,012

3,709,065

123,850,947

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

BTMU Non-consolidated

(in millions of yen)

As of
September 30, 2016
(A)

Increase
(Decrease)
(A) - (B)

As of
March 31, 2016
(B)

Individuals

63,598,246

439,607

63,158,639

Corporations and others

50,814,414

2,061,769

48,752,644

Domestic deposits

114,412,660

2,501,376

111,911,283

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

MUTB Non-consolidated

(in millions of yen)

As of
September 30, 2016
(A)

Increase
(Decrease)
(A) - (B)

As of
March 31, 2016
(B)

Individuals

7,669,986

(240,010

)

7,909,997

Corporations and others

5,477,365

1,447,699

4,029,666

Domestic deposits

13,147,352

1,207,688

11,939,663

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, 2016 (A)			Increase (Decrease) (A) - (B)			As of March 31,2016 (B)
Deferred tax assets		530.6			3.7			526.8
Allowance for credit losses		246.6			(21.2	)		267.8
Write-down on investment securities		117.0			(0.4	)		117.5
Unrealized losses on available-for-sale securities		20.8			1.5			19.2
Reserve for retirement benefits		98.6			(0.0	)		98.7
Other		192.9			8.7			184.1
Valuation allowance		(145.4	)		15.2			(160.6	)
Deferred tax liabilities		1,074.2			(20.5	)		1,094.7
Unrealized gains on available-for-sale securities		741.1			(15.1	)		756.3
Net deferred gains on hedges		184.6			(2.8	)		187.4
Revaluation gains on securities upon merger		60.4			(1.5	)		62.0
Gains on securities contributed to employees’ retirement benefits trust		49.9			0.1			49.8
Other		37.9			(1.0	)		39.0
Net deferred tax assets		(543.5	)		24.2			(567.8	)

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


	(in billions of yen)
	FY2011			FY2012			FY2013			FY2014			FY2015			Interim FY2016
Net operating profits before provision for general allowance for credit losses		1,022.8			1,001.5			855.9			931.4			888.1			417.0
Total credit costs		(125.3	)		(56.6	)		17.0			(70.7	)		(103.4	)		(4.7	)
Income before income taxes		739.5			877.4			984.7			860.2			884.7			411.9
Reconciliation to taxable income		(305.1	)		(561.4	)		(336.2	)		(12.6	)		(113.3	)		(108.4	)
Taxable income		434.3			316.0			648.5			847.5			771.3			303.5

(3)	Classification Based on Prior Year Operating Results as Provided in the ASBJ Guidance No.26

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, 2016 (A)			Increase (Decrease) (A) - (B)			As of March 31, 2016 (B)
Deferred tax assets		58.7			(2.4	)		61.1
Deferred losses on hedging instruments		25.4			(4.3	)		29.8
Gains on securities related to employees’ retirement benefits trust		15.9			1.1			14.8
Allowance for credit losses		11.8			(0.6	)		12.4
Write-down on investment securities		10.7			0.2			10.5
Other		34.0			2.9			31.0
Valuation allowance		(39.3	)		(1.8	)		(37.5	)
Deferred tax liabilities		308.1			(7.3	)		315.4
Unrealized gains on available-for-sale securities		251.8			(7.9	)		259.8
Reserve for retirement benefits		45.4			1.3			44.0
Other		10.7			(0.7	)		11.5
Net deferred tax assets		(249.4	)		4.9			(254.3	)

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


	(in billions of yen)
	FY2011			FY2012			FY2013			FY2014			FY2015			Interim FY2016
Net operating profits before credit costs for trust accounts and provision for general allowance for credit losses		148.1			162.2			162.9			190.4			193.0			92.7
Total credit costs		(9.2	)		(8.6	)		18.0			(0.4	)		(0.2	)		1.7
Income before income taxes		113.5			173.5			184.4			201.4			218.6			99.9
Reconciliation to taxable income		(30.2	)		(84.9	)		(94.3	)		(40.4	)		(68.1	)		(26.5	)
Taxable income		83.3			88.6			90.1			160.9			150.4			73.4

(3)	Classification Based on Prior Year Operating Results as Provided in the ASBJ Guidance No.26

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

Mitsubishi UFJ Financial Group, Inc.

(Reference)

1. Financial Statements

BTMU Non-consolidated

(1)	Non-consolidated Balance Sheets


(in millions of yen)	As of March 31, 2016			As of September 30, 2016
Assets:
Cash and due from banks		36,988,806			46,073,453
Call loans		196,063			248,553
Receivables under resale agreements		47,258			156,202
Receivables under securities borrowing transactions		446,292			1,741,890
Monetary claims bought		3,822,799			3,973,428
Trading assets		6,224,030			6,169,063
Money held in trust		57,656			28,120
Securities		48,913,432			45,927,197
Loans and bills discounted		86,691,727			79,523,573
Foreign exchanges		1,529,192			1,831,863
Other assets		7,881,852			7,982,573
Tangible fixed assets		858,747			852,870
Intangible fixed assets		380,570			374,915
Prepaid pension costs		258,110			262,663
Customers’ liabilities for acceptances and guarantees		6,630,945			6,206,071
Allowance for credit losses		(665,588	)		(565,093	)

Total assets		200,261,895			200,787,348

Mitsubishi UFJ Financial Group, Inc.


(in millions of yen)	As of March 31, 2016			As of September 30, 2016
Liabilities:
Deposits		131,986,582			134,123,071
Negotiable certificates of deposit		6,796,352			4,448,194
Call money		167,028			219,923
Payables under repurchase agreements		10,415,799			10,165,415
Payables under securities lending transactions		1,892,928			3,528,682
Commercial papers		1,445,681			1,027,617
Trading liabilities		4,868,717			4,445,485
Borrowed money		11,445,727			13,096,356
Foreign exchanges		2,331,337			1,947,369
Bonds payable		4,304,538			3,641,670
Other liabilities		6,576,505			6,531,602
Reserve for bonuses		27,423			21,738
Reserve for bonuses to directors		110			46
Reserve for stocks payment		—			445
Reserve for retirement benefits		8,510			8,124
Reserve for loyalty award credits		1,348			1,645
Reserve for contingent losses		43,808			88,189
Deferred tax liabilities		567,867			543,586
Deferred tax liabilities for land revaluation		122,901			120,876
Acceptances and guarantees		6,630,945			6,206,071

Total liabilities		189,634,113			190,166,114

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		3,231,459			3,292,189
Revenue reserve		190,044			190,044
Other retained earnings		3,041,414			3,102,144
Funds for retirement benefits		2,432			2,432
Other reserve		718,196			718,196
Earned surplus brought forward		2,320,785			2,381,515
Treasury stock		(645,700	)		(645,700	)

Total shareholders’ equity		8,175,992			8,236,722

Net unrealized gains (losses) on available-for-sale securities		1,794,305			1,738,083
Net deferred gains (losses) on hedging instruments		423,084			416,615
Land revaluation excess		234,399			229,812

Total valuation and translation adjustments		2,451,789			2,384,512

Total net assets		10,627,781			10,621,234

Total liabilities and net assets		200,261,895			200,787,348

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, 2015		For the six months ended September 30, 2016
Ordinary income		1,563,186		1,501,227
Interest income		802,020		818,834
Interest on loans and bills discounted		477,429		482,337
Interest and dividends on securities		253,705		264,285
Fees and commissions		327,308		314,703
Trading income		61,919		90,370
Other operating income		226,742		145,819
Other ordinary income		145,195		131,500
Ordinary expenses		1,024,806		1,090,987
Interest expenses		191,159		262,126
Interest on deposits		65,150		70,289
Fees and commissions		83,534		85,928
Trading expenses		—		913
Other operating expenses		94,562		48,446
General and administrative expenses		576,210		578,497
Other ordinary expenses		79,339		115,075

Ordinary profits		538,379		410,239

Extraordinary gains		19,301		10,635
Extraordinary losses		6,034		8,909

Income before income taxes		551,645		411,964

Income taxes-current		119,046		98,189
Income taxes-deferred		52,945		(9,268	)

Total taxes		171,991		88,921

Net income		379,654		323,043

Mitsubishi UFJ Financial Group, Inc.

MUTB Non-consolidated

(1)	Non-consolidated Balance Sheets


(in millions of yen)	As of March 31, 2016			As of September 30, 2016
Assets:
Cash and due from banks		6,590,057			8,078,391
Call loans		240,231			13,622
Receivables under securities borrowing transactions		886,878			—
Monetary claims bought		523			251
Trading assets		372,594			555,967
Money held in trust		13,040			12,892
Securities		17,426,047			16,273,032
Loans and bills discounted		13,192,538			13,573,206
Foreign exchanges		36,875			49,378
Other assets		723,209			832,269
Tangible fixed assets		150,154			148,159
Intangible fixed assets		57,496			59,063
Prepaid pension costs		262,799			267,356
Customers’ liabilities for acceptances and guarantees		405,141			384,442
Allowance for credit losses		(37,084	)		(34,114	)

Total assets		40,320,504			40,213,919

Mitsubishi UFJ Financial Group, Inc.


(in millions of yen)	As of March 31, 2016			As of September 30, 2016
Liabilities:
Deposits		13,345,415			14,532,416
Negotiable certificates of deposit		4,573,223			4,253,469
Call money		193,932			674,182
Payables under repurchase agreements		5,205,060			5,289,109
Payables under securities lending transactions		1,926,430			2,029,250
Commercial papers		628,243			395,055
Trading liabilities		150,560			148,504
Borrowed money		2,110,470			2,105,034
Foreign exchanges		418			500
Short-term bonds payable		126,993			533,999
Bonds payable		847,129			824,732
Due to trust accounts		7,152,449			5,616,214
Other liabilities		1,150,631			912,339
Reserve for bonuses		4,564			4,791
Reserve for bonuses to directors		41			19
Reserve for stocks payment		—			452
Reserve for contingent losses		7,632			8,059
Deferred tax liabilities		254,316			249,411
Deferred tax liabilities for land revaluation		4,336			4,336
Acceptances and guarantees		405,141			384,442

Total liabilities		38,086,991			37,966,321

Net assets:
Capital stock		324,279			324,279
Capital surplus		422,083			422,083
Capital reserve		250,619			250,619
Other capital surplus		171,464			171,464
Retained earnings		943,842			968,191
Revenue reserve		73,714			73,714
Other retained earnings		870,128			894,477
Funds for retirement benefits		710			710
Other reserve		138,495			138,495
Earned surplus brought forward		730,923			755,272

Total shareholders’ equity		1,690,205			1,714,554

Net unrealized gains (losses) on available-for-sale securities		614,205			592,310
Net deferred gains (losses) on hedging instruments		(67,592	)		(57,774	)
Land revaluation excess		(3,305	)		(1,492	)

Total valuation and translation adjustments		543,306			533,042

Total net assets		2,233,512			2,247,597

Total liabilities and net assets		40,320,504			40,213,919

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, 2015		For the six months ended September 30, 2016
Ordinary income		288,591		302,086
Trust fees		45,638		49,897
Interest income		133,506		128,844
Interest on loans and bills discounted		45,206		46,004
Interest and dividends on securities		84,796		76,679
Fees and commissions		65,685		65,576
Trading income		10,528		7,307
Other operating income		21,103		28,304
Other ordinary income		12,128		22,155
Ordinary expenses		189,041		196,570
Interest expenses		37,650		59,848
Interest on deposits		11,544		11,465
Fees and commissions		15,708		15,527
Trading expenses		484		60
Other operating expenses		35,952		12,117
General and administrative expenses		90,974		104,909
Other ordinary expenses		8,271		4,108

Ordinary profits		99,549		105,515

Extraordinary gains		11		36
Extraordinary losses		465		5,593

Income before income taxes		99,095		99,959

Income taxes-current		22,901		25,485
Income taxes-deferred		5,835		(1,255	)

Total taxes		28,736		24,230

Net income		70,359		75,728

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, 2016		As of September 30, 2016
Assets:
Loans and bills discounted		150,571		172,918
Securities		53,614,888		52,375,631
Beneficiary rights to the trust		53,719,802		55,811,032
Securities held in custody accounts		3,339,160		3,727,280
Monetary claims		9,369,779		8,384,845
Tangible fixed assets		11,636,006		12,035,635
Intangible fixed assets		193,150		206,638
Other claims		4,364,029		3,420,159
Call loans		103,070		624,483
Due from banking account		12,745,624		7,673,408
Cash and due from banks		4,474,306		4,748,475

Total		153,710,390		149,180,508

Liabilities:
Money trusts		20,470,160		19,311,414
Pension trusts		14,950,257		12,843,522
Property formation benefit trusts		8,033		7,523
Investment trusts		58,519,398		59,138,914
Money entrusted other than money trusts		3,463,944		3,316,252
Securities trusts		5,350,832		5,645,901
Monetary claim trusts		8,799,495		7,642,868
Equipment trusts		59,923		63,438
Land and fixtures trusts		65,884		65,798
Composite trusts		42,022,461		41,144,872

Total		153,710,390		149,180,508

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, 2016		As of September 30, 2016
Assets:
Loans and bills discounted		23,111		20,489
Securities		116,704		110,975
Other		6,985,751		5,411,379

Total		7,125,567		5,542,844

Liabilities:
Principal		7,111,058		5,532,965
Allowance for bad debts		69		64
Other		14,439		9,814

Total		7,125,567		5,542,844

Mitsubishi UFJ Financial Group, Inc.

MUTB Non-consolidated

(4)	Major Items


(in millions of yen)	As of March 31, 2016		As of September 30, 2016
Total funds		53,347,090		50,948,346

Deposits		13,345,415		14,532,416
Negotiable certificates of deposit		4,573,223		4,253,469
Money trusts		20,470,160		19,311,414
Pension trusts		14,950,257		12,843,522
Property formation benefit trusts		8,033		7,523

Loans and bills discounted		13,343,110		13,746,125

Banking account		13,192,538		13,573,206
Trust account		150,571		172,918

Investment securities		71,040,936		68,648,663

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.