STOCK TITAN

Mitsubishi UFJ Financial Group (NYSE: MUFG) lifts ROE to 14.40%

(Neutral)
(Neutral)
Form Type
6-K

Rhea-AI Filing Summary

Mitsubishi UFJ Financial Group, Inc. reported strong consolidated results for the three months ended June 30, 2026 under Japanese GAAP. Ordinary income was 3,907,543 million yen, up 20.1% year on year, and ordinary profits rose to 1,117,934 million yen, up 57.8%.

Profits attributable to owners of parent increased 48.2% to 809,427 million yen, with basic earnings per share of 71.77 yen versus 47.55 yen a year earlier. Total assets were 433,913,478 million yen and total net assets 24,182,083 million yen as of June 30, 2026.

ROE (JPX basis) improved to 14.40% from 10.78%, while the consolidated non-performing loans ratio declined to 0.80% and to 0.39% for MUFG Bank and Trust Bank combined. The company targets 2,700.0 billion yen of profits attributable to owners of parent for the year and forecasts total annual common dividends of 96.00 yen per share.

Positive

  • Profits attributable to owners of parent rose 48.2% year on year to 809,427 million yen, while ordinary profits increased to 1,117,934 million yen and ROE (JPX basis) reached 14.40%.
  • Asset quality indicators strengthened, with the consolidated non-performing loans ratio falling to 0.80% and to 0.39% for MUFG Bank and Trust Bank combined.

Negative

  • Allowance for credit losses depends on uncertain macro and geopolitical assumptions, and the company notes that significant additional provision for credit losses may be recognized in future reporting periods if conditions change.

Filing Explained

At June 30, treasury stock was 611,946,162 shares versus 580,104,991 at March 31, while total shares outstanding were unchanged.

As a Form 6-K, this interim report furnishes material information from the foreign private issuer and reports MUFG’s results for the three months ended June 30, 2026; its disclosed structural action is incorporation by reference into an existing Form F-3 registration statement, not a reported issuance, sale, or proceeds receipt.

The incorporation statement makes this report part of that registration statement from August 3, 2026 unless superseded by later filings, but the filing does not state that securities were offered or sold. MUFG describes its ¥2,700.0 billion full-year profit figure as a target rather than a forecast because of uncertainty in its businesses.

Total shares outstanding were 11,867,710,920 shares at both March 31, 2026 and June 30, 2026, while treasury stock was 580,104,991 shares and 611,946,162 shares, respectively; the filing therefore evidences no change in the reported total-share count.

The credit-loss allowance includes a ¥28,446 million adjustment for future projections and other factors, and MUFG says significant additional credit-loss provision may be recognized in subsequent reporting periods. The allowance and credit-loss line items in the next relevant report will show whether that stated uncertainty produced a further charge.

Ordinary income 3,907,543 million yen For the three months ended June 30, 2026; 20.1% increase year on year
Ordinary profits 1,117,934 million yen For the three months ended June 30, 2026; 57.8% increase year on year
Profits attributable to owners of parent 809,427 million yen For the three months ended June 30, 2026; 48.2% increase year on year
Basic earnings per share 71.77 yen For the three months ended June 30, 2026; 47.55 yen a year earlier
Total assets 433,913,478 million yen As of June 30, 2026 on a consolidated basis
ROE (JPX basis) 14.40 % For the three months ended June 30, 2026; 10.78 % in prior-year period
Consolidated non-performing loans ratio 0.80 % As of June 30, 2026; down from 0.96 % as of March 31, 2026
Forecast total annual dividend per share 96.00 yen Fiscal year ending March 31, 2027 forecast; compared with 86.00 yen for year ended March 31, 2026
profits attributable to owners of parent financial
"MUFG has an earnings target of 2,700.0 billion yen of profits attributable to owners of parent"
non-performing loans ratio financial
"Non-performing loans ratio (A)/(C) was 0.80 % on a consolidated basis"
allowance for credit losses financial
"The process of calculating the allowance for credit losses for MUFG Bank, Ltd."
Allowance for credit losses is a reserve set aside by a financial institution to cover potential losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution prepare for loans that might turn sour. For investors, it signals how cautious the institution is about the quality of its loans and potential risks to its financial health.
available-for-sale securities financial
"Available-for-sale securities totaled 58,384,212 million yen with 3,071,648 million yen gains"
Available-for-sale securities are investments in stocks, bonds or similar instruments that a company does not intend to trade frequently but may sell before they mature. They matter to investors because changes in the market value of these holdings show up as paper gains or losses on the company's balance sheet rather than immediately in profit, so they can affect reported net worth and the timing of income without changing day-to-day earnings. Think of them like items on a household shelf you might sell later: their value moves with the market even if you haven’t cashed out.
ROE (JPX basis) financial
"ROE (JPX basis) was 14.40 for the three months ended June 30, 2026"
debt securities being held to maturity financial
"Debt securities being held to maturity were 26,853,717 million yen with unrealized losses"

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FAQ

How did MUFG (MUFG) perform for the three months ended June 30, 2026?

MUFG reported ordinary income of 3,907,543 million yen, up 20.1% year on year, and ordinary profits of 1,117,934 million yen, up 57.8%. Profits attributable to owners of parent were 809,427 million yen, an increase of 48.2% versus the prior-year period.

What were MUFG (MUFG) earnings per share for the quarter ended June 30, 2026?

For the three months ended June 30, 2026, MUFG reported basic earnings per share of 71.77 yen and diluted earnings per share of 71.59 yen. A year earlier, basic and diluted earnings per share were 47.55 yen and 47.45 yen, respectively.

What are MUFG (MUFG) ROE and non-performing loan ratios in this period?

MUFG’s ROE (JPX basis) was 14.40% for the three months ended June 30, 2026, up from 10.78%. The consolidated non-performing loans ratio was 0.80%, and 0.39% for MUFG Bank and Trust Bank combined, both lower than at March 31, 2026.

What dividends does MUFG (MUFG) forecast for the fiscal year ending March 31, 2027?

MUFG forecasts Total annual common dividends of 96.00 yen per share for the fiscal year ending March 31, 2027, based on 48.00 yen at the second quarter-end and 48.00 yen at fiscal year-end, compared with 86.00 yen total for the year ended March 31, 2026.

What earnings target has MUFG (MUFG) set for the fiscal year ending March 31, 2027?

MUFG has an earnings target of 2,700.0 billion yen of profits attributable to owners of parent for the fiscal year ending March 31, 2027. The company states this target is unchanged from the level released on May 15, 2026.

How is MUFG (MUFG) handling allowance for credit losses amid geopolitical uncertainty?

MUFG applies qualitative adjustments to loss rates, reflecting macroeconomic and geopolitical factors. As of June 30, 2026, these adjustments totaled 28,446 million yen, up from 24,357 million yen at March 31, 2026, and it warns significant additional provisions may be required if conditions worsen.
 
 

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 August 2026

Commission File No. 000-54189

 

 

MITSUBISHI UFJ FINANCIAL GROUP, INC.

(Translation of registrant’s name into English)

 

 

4-5, Marunouchi 1-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. 333-273681) 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: August 3, 2026

 

Mitsubishi UFJ Financial Group, Inc.
By:  

/s/ Yoshitaka Sekine

Name:   Yoshitaka Sekine
Title:   Managing Director, Head of
  Documentation & Corporate Secretary Department,
 

Corporate Administration Division


LOGO

Consolidated Summary Report

<under Japanese GAAP>

for the three months ended June 30, 2026

August 3, 2026

 

Company name:

  

Mitsubishi UFJ Financial Group, Inc.

Stock exchange listings:

  

Tokyo, Nagoya, New York

Code number:

  

8306

URL

  

https://www.mufg.jp/english/

Representative:

  

Junichi Hanzawa, President & Group CEO

For inquiry:

  

Masahisa Takahashi, Managing Director, Head of Financial Accounting and Reporting, Financial Accounting Office, Financial Planning Division

  

TEL +81-50-3613-1179

Dividend payment date:

  

Trading accounts:

  

Established

Supplemental information for on financial results:

  

Available

Investor meeting presentation:

  

None

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

1. Consolidated Financial Data for the Three Months ended June 30, 2026

 

(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
 
     million yen       %      million yen       %      million yen       %   

For the three months ended

               

June 30, 2026

     3,907,543        20.1       1,117,934        57.8       809,427        48.2  

June 30, 2025

     3,253,932        (7.7     708,535        (3.4     546,068        (1.8

 

(*)

Comprehensive income

        June 30, 2026: 1,140,739 million yen, 741.3 % ; June 30, 2025: 135,586 million yen, (86.3) %

 

     Basic earnings
per share
     Diluted earnings
per share
 
     yen      yen  

For the three months ended

     

June 30, 2026

     71.77        71.59  

June 30, 2025

     47.55        47.45  

 

(2)

Financial Conditions

 

     Total Assets      Total Net Assets      Equity-to-asset ratio (*)  
     million yen      million yen      %  

As of

        

June 30, 2026

     433,913,478        24,182,083        5.2  

March 31, 2026

     431,731,548        23,744,152        5.2  

(Reference) Shareholders’ equity as of June 30, 2026: 22,699,148 million yen; March 31, 2026: 22,273,941 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  
     yen      yen      yen      yen      yen  

For the fiscal year

              

ended March 31, 2026

     —         35.00        —         51.00        86.00  

ending March 31, 2027

     —               

ending March 31, 2027 (Forecast)

        48.00        —         48.00        96.00  

 

(*)

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, 2027 (Consolidated)

MUFG has an earnings target of 2,700.0 billion yen of profits attributable to owners of parent for the fiscal year ending March 31, 2027.(There is no change to our earnings target released on May 15, 2026.)

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.


LOGO Notes

 

(1)

Changes in significant subsidiaries during the period: No

 

(2)

Adoption of any particular accounting methods for quarterly consolidated financial statements: No

 

(3)

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

 

(4)

Number of common stocks outstanding at the end of the period

 

(A) Total stocks outstanding including treasury stocks:

   June 30, 2026      11,867,710,920 shares  
   March 31, 2026      11,867,710,920 shares  

(B) Treasury stocks:

   June 30, 2026      611,946,162 shares  
   March 31, 2026      580,104,991 shares  

(C) Average outstanding stocks:

   Three months ended June 30, 2026      11,278,794,990 shares  
   Three months ended June 30, 2025      11,484,298,385 shares  

LOGO Review of the Japanese-language originals of the attached consolidated quarterly financial statements by certified public accountants or an audit firm: None

LOGO Notes for using forecasted information etc.

 

1.

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.

 

2.

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. To date, we have published U.S. GAAP financial results only on a semiannual and annual basis, and currently do not expect to publish U.S. GAAP financial results for the period reported in this financial summary report.

 


Mitsubishi UFJ Financial Group, Inc.

 

(Appendix)

Contents of Appendix

 

1. Results of Operations and Financial Condition

     2  

2. Consolidated Financial Statements and Notes

     3  

(1) Consolidated Balance Sheets

     3  

(2) Consolidated Statements of Income and Consolidated Statements of Comprehensive Income

     5  

(3) The Framework for Financial Reporting applied to Quarterly Consolidated Financial Statements

     7  

(4) Segment Information

     7  

(5) Notes for Material Changes in Shareholders’Equity

     8  

(6) Notes on Going-Concern Assumption

     8  

(7) Consolidated Statements of Cash Flows

     8  

(8) Additional Information

     9  

Supplemental Information:

“Selected Financial Information under Japanese GAAP For the Three Months Ended June 30, 2026”

 

1


Mitsubishi UFJ Financial Group, Inc.

 

1. Results of Operations and Financial Condition

The subject matter is described in the “Financial Highlights” disclosed on August 3, 2026, which is available on our website at https://www.mufg.jp/english/ir/fs/index.html.

The information is posted under the Financial Information, FY2026 (Fiscal Year Ending Mar.2027) JGAAP, First Quarter, on the above website.

 

2


Mitsubishi UFJ Financial Group, Inc.

 

2. Consolidated Financial Statements and Notes

(1) Consolidated Balance Sheets

 

(in millions of yen)    As of
    March 31, 2026    
    As of
    June 30, 2026    
 

Assets:

    

Cash and due from banks

     90,045,500       80,634,504  

Call loans and bills bought

     1,570,196       1,765,235  

Receivables under resale agreements

     16,375,722       16,855,131  

Receivables under securities borrowing transactions

     5,486,014       4,373,343  

Monetary claims bought

     7,560,410       7,820,646  

Trading assets

     39,995,337       45,614,047  

Money held in trust

     1,159,280       1,275,356  

Securities

     85,714,795       88,132,783  

Loans and bills discounted

     133,799,490       134,454,378  

Foreign exchanges

     2,248,944       2,385,154  

Other assets

     28,407,448       30,235,114  

Tangible fixed assets

     1,417,304       1,428,246  

Intangible fixed assets

     1,955,987       1,975,937  

Net defined benefit assets

     2,646,314       2,681,634  

Deferred tax assets

     147,478       150,824  

Customers’ liabilities for acceptances and guarantees

     14,431,269       15,344,233  

Allowance for credit losses

     (1,229,947     (1,213,092
  

 

 

   

 

 

 

Total assets

     431,731,548       433,913,478  
  

 

 

   

 

 

 

Liabilities:

    

Deposits

     239,439,246       236,937,385  

Negotiable certificates of deposit

     17,601,483       19,305,711  

Call money and bills sold

     5,307,704       4,943,457  

Payables under repurchase agreements

     39,146,995       34,743,217  

Payables under securities lending transactions

     1,197,233       1,151,407  

Commercial papers

     3,421,893       3,172,552  

Trading liabilities

     32,038,719       36,553,261  

Borrowed money

     9,359,997       6,348,411  

Foreign exchanges

     2,715,051       2,575,661  

Short-term bonds payable

     1,217,464       1,110,082  

Bonds payable

     15,790,570       17,180,639  

Due to trust accounts

     2,903,438       3,177,619  

Other liabilities

     22,285,686       26,029,404  

Reserve for bonuses

     293,548       160,192  

Reserve for bonuses to directors

     3,978       2,550  

Reserve for stocks payment

     14,287       16,041  

Net defined benefit liabilities

     107,274       108,689  

Reserve for retirement benefits to directors

     1,548       816  

Reserve for loyalty award credits

     8,877       9,751  

Reserve for contingent losses

     144,184       143,205  

Reserves under special laws

     6,179       6,652  

Deferred tax liabilities

     466,990       626,883  

Deferred tax liabilities for land revaluation

     83,769       83,566  

Acceptances and guarantees

     14,431,269       15,344,233  
  

 

 

   

 

 

 

Total liabilities

     407,987,396       409,731,395  
  

 

 

   

 

 

 

 

3


Mitsubishi UFJ Financial Group, Inc.

 

(in millions of yen)    As of
    March 31, 2026    
    As of
     June 30, 2026     
 

Net assets:

    

Capital stock

     2,141,513       2,141,513  

Capital surplus

     —        —   

Retained earnings

     16,150,394       16,382,796  

Treasury stock

     (934,137     (1,033,983
  

 

 

   

 

 

 

Total shareholders’ equity

     17,357,770       17,490,325  
  

 

 

   

 

 

 

Net unrealized gains (losses) on available-for-sale securities

     1,672,075       1,925,503  

Net deferred gains (losses) on hedging instruments

     (1,262,833     (1,387,120

Land revaluation excess

     121,039       121,039  

Foreign currency translation adjustments

     3,711,516       3,925,610  

Remeasurements of defined benefit plans

     724,229       700,918  

Debt value adjustments of foreign subsidiaries and affiliates

     (53,835     (78,993

Net unrealized gains (losses) on loans of foreign subsidiaries and affiliates

     3,979       1,864  
  

 

 

   

 

 

 

Total accumulated other comprehensive income

     4,916,171       5,208,822  
  

 

 

   

 

 

 

Subscription rights to shares

     99       669  

Non-controlling interests

     1,470,111       1,482,264  
  

 

 

   

 

 

 

Total net assets

     23,744,152       24,182,083  
  

 

 

   

 

 

 

Total liabilities and net assets

     431,731,548       433,913,478  
  

 

 

   

 

 

 

 

4


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 three months
ended

     June 30,  2025     
     For the three months
ended

     June 30, 2026     
 

Ordinary income

     3,253,932        3,907,543  

Interest income

     2,022,572        2,336,667  

Interest on loans and bills discounted

     968,208        1,139,037  

Interest and dividends on securities

     412,039        539,179  

Trust fees

     37,894        45,613  

Fees and commissions

     566,731        682,130  

Trading income

     80,557        133,316  

Other operating income

     239,531        190,366  

Other ordinary income

     306,645        519,448  

Ordinary expenses

     2,545,396        2,789,609  

Interest expenses

     1,331,819        1,454,332  

Interest on deposits

     494,993        554,251  

Fees and commissions

     105,128        123,964  

Trading expenses

     37,769        615  

Other operating expenses

     114,189        73,170  

General and administrative expenses

     796,719        900,551  

Other ordinary expenses

     159,770        236,975  
  

 

 

    

 

 

 

Ordinary profits

     708,535        1,117,934  
  

 

 

    

 

 

 

Extraordinary gains

     22,870        4,271  

Gains on disposition of fixed assets

     5,315        4,271  

Gains on liquidation of subsidiaries

     17,555        —   

Extraordinary losses

     2,791        3,932  

Losses on disposition of fixed assets

     2,723        3,457  

Losses on impairment of fixed assets

     9        0  

Provision for reserve for contingent liabilities from financial instruments transactions

     59        473  

Provision for reserve for contingent liabilities arising from commodities transactions

     0        0  
  

 

 

    

 

 

 

Profits before income taxes

     728,615        1,118,273  
  

 

 

    

 

 

 

Income taxes-current

     144,834        186,253  

Income taxes-deferred

     2,360        85,414  
  

 

 

    

 

 

 

Total taxes

     147,194        271,667  
  

 

 

    

 

 

 

Profits

     581,420        846,605  
  

 

 

    

 

 

 

Profits attributable to non-controlling interests

     35,352        37,178  
  

 

 

    

 

 

 

Profits attributable to owners of parent

     546,068        809,427  
  

 

 

    

 

 

 

 

5


Mitsubishi UFJ Financial Group, Inc.

 

Consolidated Statements of Comprehensive Income

 

(in millions of yen)   For the three months
ended
    June 30, 2025    
    For the three months
ended

    June 30, 2026    
 

Profits

    581,420       846,605  

Other comprehensive income

   

Net unrealized gains (losses) on available-for-sale securities

    84,962       262,053  

Net deferred gains (losses) on hedging instruments

    (94,270     (117,235

Land revaluation excess

    7       —   

Foreign currency translation adjustments

    (279,302     133,479  

Remeasurements of defined benefit plans

    (15,955     (23,657

Net unrealized gains (losses) on loans of foreign subsidiaries

    1,770       (3,684

Share of other comprehensive income of associates accounted for using equity method

    (143,046     43,177  
 

 

 

   

 

 

 

Total other comprehensive income

    (445,834     294,133  
 

 

 

   

 

 

 

Comprehensive income

    135,586       1,140,739  
 

 

 

   

 

 

 

(Comprehensive income attributable to)

   

Comprehensive income attributable to owners of parent

    108,064       1,102,078  

Comprehensive income attributable to non-controlling interests

    27,522       38,660  

 

6


Mitsubishi UFJ Financial Group, Inc.

 

(3) The Framework for Financial Reporting applied to Quarterly Consolidated Financial Statements

The quarterly consolidated financial statements, which consist of the quarterly consolidated balance sheet, the quarterly consolidated statement of income, the quarterly consolidated statement of comprehensive income, and the notes thereto, have been prepared in accordance with Article 4, Paragraph 1 of the Tokyo Stock Exchange, Inc. ’s and Nagoya Stock Exchange, Inc. ’s Standards for the Preparation of Quarterly Financial Statements (the “Standards”) and generally accepted accounting principles in Japan applicable to interim consolidated financial statements (provided, however, that certain information has been omitted in accordance with Article 4, Paragraph 2 of the Standards).

(4) Segment Information

 

I.

Business segment information

 

1

Information on net revenue and operating profit (loss) for each reporting segment

For the three months ended June 30, 2025

 

    (in millions of yen)  
    For the three months ended June 30, 2025  
    Retail &
Digital
Business
Group
    Commercial
Banking &
Wealth
Management
Business
Group
    Japanese
Corporate &
Investment
Banking
Business
Group
    Global
Commercial
Banking
Business
Group
    Asset
Management
& Investor
Services
Business
Group
    Global
Corporate &
Investment
Banking
Business
Group
    Total of
Customer
Business
    Global
Markets
Business
Group
    Other     Total  

Net revenue

  ¥ 255,406     ¥ 197,147     ¥ 245,136     ¥ 195,529     ¥ 138,751     ¥ 221,128     ¥ 1,253,101     ¥ 160,203     ¥ (47,074   ¥ 1,366,230  

Operating expenses

    189,030       110,247       97,767       108,423       101,850       111,766       719,085       79,290       25,607       823,983  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Operating profit (loss)

  ¥ 66,376     ¥ 86,899     ¥ 147,369     ¥ 87,106     ¥ 36,901     ¥ 109,362     ¥ 534,016     ¥ 80,913     ¥ (72,682   ¥ 542,247  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

(Notes)

  1.

“Net revenue” in the above table is used in lieu of net sales generally used by Japanese non-financial companies.

  2.

“Net revenue” includes net interest income, trust fees, net fees and commissions, net trading profit, and net other operating profit.

  3.

“Operating expenses” includes personnel expenses and premise expenses.

For the three months ended June 30, 2026

 

 

 

    (in millions of yen)  
    For the three months ended June 30, 2026  
    Retail &
Digital
Business
Group
    Commercial
Banking &
Wealth
Management
Business
Group
    Japanese
Corporate &
Investment
Banking
Business
Group
    Global
Commercial
Banking
Business
Group
    Asset
Management
& Investor
Services
Business
Group
    Global
Corporate &
Investment
Banking
Business
Group
    Total of
Customer
Business
    Global
Markets
Business
Group
    Other     Total  

Net revenue

  ¥ 294,110     ¥ 255,370     ¥ 309,087     ¥ 225,355     ¥ 157,526     ¥ 306,471     ¥ 1,547,922     ¥ 236,085     ¥ (21,580   ¥ 1,762,427  

Operating expenses

    208,864       122,162       107,159       126,369       117,358       126,231       808,146       87,443       46,289       941,879  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Operating profit (loss)

  ¥ 85,246     ¥ 133,208     ¥ 201,927     ¥ 98,985     ¥ 40,167     ¥ 180,240     ¥ 739,776     ¥ 148,641     ¥ (67,869   ¥ 820,547  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

(Notes)

  1.

“Net revenue” in the above table is used in lieu of net sales generally used by Japanese non-financial companies.

  2.

“Net revenue” includes net interest income, trust fees, net fees and commissions, net trading profit, and net other operating profit.

  3.

“Operating expenses” includes personnel expenses and premise expenses.

 

7


Mitsubishi UFJ Financial Group, Inc.

 

2

Reconciliation of the total operating profit in each of the above tables to the ordinary profit in the consolidated statement of income for the corresponding three-month period

 

     (in millions of yen)  

Operating profit

   For the three months ended
June 30, 2025
    For the three months ended
June 30, 2026
 

Total operating profit of reporting segments

     542,247       820,547  

Operating profit of consolidated subsidiaries excluded from reporting segments

     (147     (1,682

Provision for general allowance for credit losses

     13,392       5,899  

Credit related expenses

     (83,623     (103,231

Gains on loans written-off

     23,293       25,269  

Net gains on equity securities and other securities

     30,312       98,918  

Equity in earnings of the equity method investees

     157,954       261,564  

Others

     25,106       10,647  
  

 

 

   

 

 

 

Ordinary profit in the consolidated statement of income

     708,535       1,117,934  
  

 

 

   

 

 

 

 

3

Changes in the method of calculation of operating profit (loss) of each reporting segment

In the three months ended June 30, 2026, MUFG changed the method of allocation of net revenue and operating expenses among reporting segments and accordingly changed the method of calculation of operating profit (loss) of each reporting segment.

The business segment information for the three months ended June 30, 2025 has been restated based on the new calculation method.

 

(5)

Notes for Material Changes in Shareholders’ Equity

None.

 

(6)

Notes on Going-Concern Assumption

None.

 

(7)

Consolidated Statements of Cash Flows

No consolidated statements of cash flows have been prepared for the three months ended June 30, 2025 and 2026. Depreciation (including amortization of intangible assets other than goodwill) and amortization of goodwill for the periods indicated were as follows:

 

     (in millions of yen)  
     For the three months ended June 30,  
     2025      2026  

Depreciation

   ¥ 88,795      ¥ 97,781  

Amortization of goodwill

     9,389        11,240  

 

8


Mitsubishi UFJ Financial Group, Inc.

 

(8)

Additional Information

(Information which is relevant to the understanding of the readers of the consolidated financial statements as regarding the calculation of allowance for credit losses)

The process of calculating the allowance for credit losses for MUFG Bank, Ltd. (“the Bank”) and its domestic consolidated subsidiaries, our principal domestic consolidated banking subsidiaries, involves various estimates such as determination of borrower credit ratings which are based on evaluation and classification of borrowers’ debt-service capacity, assessment of the value of collateral provided by borrowers, estimation of future cash flows when applying the cash flow estimation method, and adjustments for future loss projections and other factors to the loss rates calculated based on historical credit loss experience.

Among these, internal credit ratings are assigned to counterparties based on qualitative factors such as the current and expected future business environment of the industry to which they belong as well as their management and funding risks in addition to quantitative financial evaluations through an analysis of their financial results. In particular, those determination of internal credit ratings for these counterparties may be highly dependent on our assessment of the prospects of improvements in their operating results and their ability to continue as going concerns.

When calculating allowance for credit losses, the Bank, our principal consolidated domestic banking subsidiary, determines loss rates primarily by calculating a rate of loss based on a historical average of the credit loss rate or a historical average of the default probability derived from actual credit loss experience or actual bankruptcy experience and making necessary adjustments based on future projections and other factors.

The Bank makes such adjustments to the loss rates calculated based on historical loss experience, taking into account future projections and other factors, especially considering the uncertain business environment arising from potential changes in the geopolitical environment, including the situation in the Middle East. These adjustments are implemented made when deemed necessary, for example, by considering any additional expected loss amount not captured by the loss rates calculated based on historical loss experience. The amount of impact of these adjustments as of June 30, 2026 is ¥28,446 million (¥24,357 million as of March 31, 2026).

In addition, certain overseas subsidiaries which apply IFRS recognize allowance for credit losses in accordance with IFRS9 “Financial Instruments.” At each reporting date, these subsidiaries assess whether the credit risk on a financial asset has increased significantly since initial recognition, and if the credit risk has not increased significantly since initial recognition, the subsidiaries measure the allowance for credit losses for the financial asset at an amount equal to the 12-month expected credit loss. On the other hand, if the credit risk on a financial asset has increased significantly since initial recognition, the subsidiaries measure the allowance for credit losses for the financial asset at an amount equal to the lifetime expected credit loss. Expected credit losses are calculated using a quantitative model that reflects economic forecast scenarios based on macroeconomic variables. The calculation process includes determination of macroeconomic variables used in multiple economic forecast scenarios and the weightings applied to each economic forecast scenario. Expected credit losses are adjusted for qualitative factors to compensate for expected credit losses that are not reflected in a quantitative model.

Significant assumptions used in our calculation of allowance for credit losses, including those described above, are subject to uncertainty. In particular, certain counterparties’ prospects of improvements in their operating results and expectations as to their ability to continue as going concerns, and adjustments to the rates of loss calculated based on actual experience for future projections and other factors, as well as determination of the macroeconomic variables used in, and the weightings applied to, multiple economic forecast scenarios, and adjustments thereto for qualitative factors, by certain subsidiaries which apply IFRS, are based on estimation relating to the economic environment, including changes in economic conditions, commodity prices and monetary and trade policies in each country as well as geopolitical environment, including the situation in the Middle East, with respect to which objective data are not readily available.

In particular, future developments concerning the geopolitical environment, including the situation in the Middle East, are subject to significant uncertainty. Accordingly, we make certain assumptions, including that disruptions in logistics and supply chain constraints related to crude oil and other commodities may continue for a certain period, but that conditions will gradually normalize, and that prices of crude oil and other commodities, while fluctuating to a certain degree, will then be on a gradual stabilizing trend. The recorded allowance represents our best estimate made based on such assumptions and in a manner designed to ensure objectivity and rationality.

 

9


Mitsubishi UFJ Financial Group, Inc.

 

For the three months ended June 30, 2026, such assumptions remained substantially unchanged because no significant changes were observed subsequent to the previous fiscal year end with respect to the events or circumstances underlying the outlook relating to the geopolitical environment, including the situation in the Middle East. However, these assumptions are highly uncertain, and significant additional provision for credit losses may be recognized for the six months ending June 30, 2026 and subsequent reporting periods due to these and other factors and circumstances affecting the financial performance of counterparties or the economic environment.

 

10


 

 

Selected Financial Information

under Japanese GAAP

For the Three Months Ended June 30, 2026

 

 

 

 

 

 

 

 

 

Mitsubishi UFJ Financial Group, Inc.

      LOGO   


Mitsubishi UFJ Financial Group, Inc.

[Contents]   

 

1.  Financial Results

  [ MUFG Consolidated ]*1[ BK and TB Combined ]*2*3*4   1
  [ BK Non-consolidated ][ TB Non-consolidated ]  

2.  Loans to Be Disclosed under the Banking Act and the Financial Reconstruction Act (the “FRA”)

  [ MUFG Consolidated ]   5
  [ BK and TB Combined including Trust Account ]  
  [ BK Non-consolidated ][ TB Non-consolidated ]  
  [ TB Non-consolidated : Trust Account ]  

3.  Securities

  [ MUFG Consolidated ]  

7

  [ BK Non-consolidated ][ TB Non-consolidated ]  

4.  ROE

  [ MUFG Consolidated ]  

10

5.  Average Interest Rate Spread

  [ BK and TB Combined ]  

11

  [ BK Non-consolidated ][ TB Non-consolidated ]  

6.  Loans and Deposits

  [ BK and TB Combined ]  

12

  [ BK Non-consolidated ][ TB Non-consolidated ]  

7.  Statements of Trust Assets and Liabilities

  [ TB Non-consolidated ]  

13

 

(*1)

“MUFG” means Mitsubishi UFJ Financial Group, Inc.

(*2)

“BK” means MUFG Bank, Ltd.

(*3)

“TB” means Mitsubishi UFJ Trust and Banking Corporation.

(*4)

“BK and TB Combined” means simple sum of “BK” and “TB” without consolidation processes.


Mitsubishi UFJ Financial Group, Inc.

 

1. Financial Results

MUFG Consolidated

 

     (in millions of yen)  
     For the three months ended       Increase  
(Decrease)
(A) - (B)
 
      June 30, 2026 
(A)
     June 30, 2025 
(B)
 

Gross profits

     1,736,075       1,358,416       377,658  

Gross profits before credit costs for trust accounts

     1,736,075       1,358,416       377,658  

Net interest income

     882,398       690,788       191,609  

Trust fees

     45,613       37,894       7,718  

Credit costs for trust accounts (1)

     —        —        —   

Net fees and commissions

     558,166       461,602       96,563  

Net trading profits

     132,701       42,788       89,913  

Net other operating profits

     117,195       125,342       (8,146

Net gains (losses) on debt securities

     (35,036     (28,250     (6,786

General and administrative expenses

     927,066       815,428       111,638  

Amortization of goodwill

     11,240       9,389       1,850  

Net operating profits before credit costs for trust accounts, provision
for general allowance for credit losses and amortization of goodwill

     820,249       552,377       267,871  

Net operating profits before credit costs for trust accounts and provision
for general allowance for credit losses

     809,008       542,988       266,020  

Provision for general allowance for credit losses (2)

     5,899       13,392       (7,493

Net operating profits*1

     814,908       556,381       258,527  

Net non-recurring gains (losses)

     303,026       152,154       150,871  

Credit costs (3)

     (103,231     (83,623     (19,607

Losses on loan write-offs

     (50,332     (41,280     (9,052

Provision for specific allowance for credit losses

     (52,860     (38,164     (14,695

Other credit costs

     (39     (4,178     4,139  

Reversal of allowance for credit losses (4)

     —        —        —   

Reversal of reserve for contingent losses included in credit costs (5)

     —        —        —   

Gains on loans written-off (6)

     25,269       23,293       1,976  

Net gains (losses) on equity securities

     98,918       30,312       68,606  

Gains on sales of equity securities

     106,734       40,220       66,514  

Losses on sales of equity securities

     (3,276     (8,680     5,403  

Losses on write-down of equity securities

     (4,538     (1,227     (3,311

Equity in earnings of equity method investees

     261,564       157,954       103,609  

Other non-recurring gains (losses)

     20,504       24,218       (3,713
  

 

 

   

 

 

   

 

 

 

Ordinary profits

     1,117,934       708,535       409,398  
  

 

 

   

 

 

   

 

 

 

Net extraordinary gains (losses)

     338       20,079       (19,740

Net gains (losses) on disposition of fixed assets

     813       2,591       (1,778

Losses on impairment of fixed assets

     (0     (9     8  

Gain on liquidation of subsidiaries

     —        17,555       (17,555

Profits before income taxes

     1,118,273       728,615       389,658  

Income taxes-current

     186,253       144,834       41,419  

Income taxes-deferred

     85,414       2,360       83,053  

Total taxes

     271,667       147,194       124,472  

Profits

     846,605       581,420       265,185  

Profits attributable to non-controlling interests

     37,178       35,352       1,826  
  

 

 

   

 

 

   

 

 

 

Profits attributable to owners of parent

     809,427       546,068       263,358  
  

 

 

   

 

 

   

 

 

 
Note:       

*1. 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)

     (72,062     (46,937     (25,124

 

1


Mitsubishi UFJ Financial Group, Inc.

 

BK and TB Combined

 

     (in millions of yen)  
     For the three months ended       Increase  
(Decrease)
(A) - (B)
 
      June 30, 2026 
(A)
     June 30, 2025 
(B)
 

Gross profits

     1,087,193       767,758       319,435  

Gross profits before credit costs for trust accounts

     1,087,193       767,758       319,435  

Net interest income

     665,797       459,685       206,112  

Trust fees

     39,843       33,106       6,736  

Credit costs for trust accounts (1)

     —        —        —   

Net fees and commissions

     248,833       194,504       54,328  

Net trading profits

     (8,041     (5,100     (2,941

Net other operating profits

     140,761       85,561       55,199  

Net gains (losses) on debt securities

     (37,038     (27,509     (9,529

General and administrative expenses

     480,523       414,290       66,233  

Net operating profits before credit costs for trust accounts and provision for general allowance for credit losses

     606,670       353,468       253,202  

Provision for general allowance for credit losses (2)

     (279     (626     347  

Net operating profits

     606,391       352,841       253,549  

Net non-recurring gains (losses)

     124,249       83,028       41,220  

Credit costs (3)

     (7,120     (5,010     (2,109

Reversal of allowance for credit losses (4)

     19,417       31,492       (12,074

Reversal of reserve for contingent losses included in credit costs (5)

     136       92       44  

Gains on loans written-off (6)

     2,586       2,756       (169

Net gains (losses) on equity securities

     95,658       28,447       67,211  

Gains on sales of equity securities

     103,432       37,694       65,738  

Losses on sales of equity securities

     (3,177     (7,744     4,567  

Losses on write-down of equity securities

     (4,596     (1,501     (3,094

Other non-recurring gains (losses)

     13,569       25,250       (11,680
  

 

 

   

 

 

   

 

 

 

Ordinary profits

     730,640       435,870       294,770  
  

 

 

   

 

 

   

 

 

 

Net extraordinary gains (losses)

     13,138       29,276       (16,138

Income before income taxes

     743,779       465,147       278,631  

Income taxes-current

     133,572       111,645       21,927  

Income taxes-deferred

     64,616       1,807       62,808  

Total taxes

     198,188       113,453       84,735  
  

 

 

   

 

 

   

 

 

 

Net income

     545,590       351,694       193,896  
  

 

 

   

 

 

   

 

 

 

(Reference)

      

Total credit costs (1)+(2)+(3)+(4)+(5)+(6)

     14,742       28,704       (13,962

Credit costs for trust accounts

     —        —        —   

Provision for general allowance for credit losses

     17,187       12,836       4,350  

Provision for special allowance for credit losses

     (189     16,333       (16,523

Allowance for credit to specific foreign borrowers

     2,141       1,692       448  

Losses on loans write-offs

     (6,147     (1,384     (4,762

Provision for contingent losses included in credit costs

     (645     (3,291     2,646  

Gains on loans written-off

     2,586       2,756       (169

Losses on sales of other loans, etc.

     (191     (239     48  

Net operating profits before credit costs for trust accounts and provision for general allowance for credit losses, excluding net gains (losses) on debt securities

     643,709       380,977       262,732  

Net operating profits before credit costs for trust accounts and provision for general allowance for credit losses, excluding net gains (losses) on debt securities and investment trusts cancellation

     578,195       363,026       215,169  

 

2


Mitsubishi UFJ Financial Group, Inc.

 

BK Non-consolidated

 

     (in millions of yen)  
     For the three months ended       Increase  
(Decrease)
(A) - (B)
 
      June 30, 2026 
(A)
     June 30, 2025 
(B)
 

Gross profits

     961,154       680,188       280,966  

Net interest income

     596,412       423,688       172,724  

Net fees and commissions

     218,762       168,144       50,618  

Net trading profits

     35,173       (3,342     38,515  

Net other operating profits

     110,806       91,698       19,107  

Net gains (losses) on debt securities

     (20,043     (27,810     7,767  

General and administrative expenses

     420,391       360,087       60,303  

Amortization of goodwill

     902       839       62  

Net operating profits before provision for general allowance for credit losses and amortization of goodwill

     541,665       320,940       220,725  

Net operating profits before provision for general allowance for credit losses

     540,763       320,101       220,662  

Provision for general allowance for credit losses (1)

     —        —        —   

Net operating profits

     540,763       320,101       220,662  

Net non-recurring gains (losses)

     104,948       68,400       36,547  

Credit costs (2)

     (7,120     (5,007     (2,113

Reversal of allowance for credit losses (3)

     19,417       31,492       (12,074

Reversal of reserve for contingent losses included in credit costs (4)

     —        —        —   

Gains on loans written-off (5)

     2,585       2,755       (169

Net gains (losses) on equity securities

     84,580       18,681       65,898  

Gains on sales of equity securities

     89,903       27,115       62,787  

Losses on sales of equity securities

     (2,384     (7,732     5,347  

Losses on write-down of equity securities

     (2,938     (701     (2,236

Other non-recurring gains (losses)

     5,484       20,478       (14,993
  

 

 

   

 

 

   

 

 

 

Ordinary profits

     645,712       388,501       257,210  
  

 

 

   

 

 

   

 

 

 

Net extraordinary gains (losses)

     13,243       29,690       (16,447

Income before income taxes

     658,955       418,192       240,763  

Income taxes-current

     123,494       107,739       15,755  

Income taxes-deferred

     50,354       (4,519     54,874  

Total taxes

     173,849       103,219       70,630  
  

 

 

   

 

 

   

 

 

 

Net income

     485,105       314,972       170,132  
  

 

 

   

 

 

   

 

 

 

(Reference)

      

Total credit costs (1)+(2)+(3)+(4)+(5)

     14,883       29,240       (14,357

Provision for general allowance for credit losses

     17,466       13,463       4,003  

Provision for special allowance for credit losses

     (189     16,336       (16,526

Allowance for credit to specific foreign borrowers

     2,141       1,692       448  

Losses on loans write-off

     (6,147     (1,384     (4,762

Provision for contingent losses included in credit costs

     (781     (3,383     2,601  

Gains on loans written-off

     2,585       2,755       (169

Losses on sales of other loans, etc.

     (191     (239     48  

Net operating profits before provision for general allowance for credit losses, excluding net gains (losses) on debt securities

     560,807       347,912       212,895  

Net operating profits before provision for general allowance for credit losses, excluding net gains (losses) on debt securities and investment trusts cancellation

     514,859       334,382       180,477  

 

3


Mitsubishi UFJ Financial Group, Inc.

 

TB Non-consolidated

 

     (in millions of yen)  
     For the three months ended     Increase
  (Decrease)  
(A) - (B)
 
      June 30, 2026 
(A)
     June 30, 2025 
(B)
 

Gross profits

     126,039       87,569       38,469  

Gross profits before credit costs for trust accounts

     126,039       87,569       38,469  

Trust fees

     39,843       33,106       6,736  

Credit costs for trust accounts (1)

     —        —        —   

Net interest income

     69,384       35,996       33,387  

Net fees and commissions

     30,070       26,360       3,710  

Net trading profits

     (43,214     (1,757     (41,456

Net other operating profits

     29,955       (6,136     36,091  

Net gains (losses) on debt securities

     (16,995     301       (17,297

General and administrative expenses

     60,132       54,202       5,930  

Net operating profits before credit costs for trust accounts and provision for general allowance for credit losses

     65,906       33,366       32,539  

Provision for general allowance for credit losses (2)

     (279     (626     347  

Net operating profits

     65,627       32,740       32,887  

Net non-recurring gains (losses)

     19,301       14,628       4,673  

Credit costs (3)

     —        (3     3  

Reversal of allowance for credit losses (4)

     —        —        —   

Reversal of reserve for contingent losses included in credit costs (5)

     136       92       44  

Gains on loans written-off (6)

     1       1       (0

Net gains (losses) on equity securities

     11,078       9,766       1,312  

Gains on sales of equity securities

     13,528       10,578       2,950  

Losses on sales of equity securities

     (792     (12     (780

Losses on write-down of equity securities

     (1,657     (799     (857

Other non-recurring gains (losses)

     8,084       4,771       3,312  
  

 

 

   

 

 

   

 

 

 

Ordinary profits

     84,928       47,368       37,560  
  

 

 

   

 

 

   

 

 

 

Net extraordinary gains (losses)

     (104     (413     308  

Income before income taxes

     84,824       46,955       37,868  

Income taxes-current

     10,078       3,906       6,171  

Income taxes-deferred

     14,261       6,327       7,933  

Total taxes

     24,339       10,233       14,105  
  

 

 

   

 

 

   

 

 

 

Net income

     60,484       36,721       23,763  
  

 

 

   

 

 

   

 

 

 

(Reference)

      

Total credit costs (1)+(2)+(3)+(4)+(5)+(6)

     (141     (536     395  

Credit costs for trust accounts

     —        —        —   

Provision for general allowance for credit losses

     (279     (626     347  

Provision for special allowance for credit losses

     —        (3     3  

Allowance for credit to specific foreign borrowers

     —        —        —   

Losses on loans write-offs

     —        —        —   

Provision for contingent losses included in credit costs

     136       92       44  

Gains on loans written-off

     1       1       (0

Losses on sales of other loans, etc.

     —        —        —   

Net operating profits before credit costs for trust accounts and provision for general allowance for credit losses, excluding net gains (losses) on debt securities

     82,902       33,065       49,837  

Net operating profits before credit costs for trust accounts and provision for general allowance for credit losses, excluding net gains (losses) on debt securities and investment trusts cancellation

     63,336       28,644       34,692  

 

4


Mitsubishi UFJ Financial Group, Inc.

 

2. Loans to Be Disclosed under the Banking Act and the Financial Reconstruction Act (the “FRA”)

MUFG Consolidated

 

(after write-offs)    (in millions of yen)  
     As of
June 30, 2026
     As of
March 31, 2026
 

Bankrupt or De facto Bankrupt

     274,581        303,742  

Doubtful

     644,982        667,097  

Special Attention

     318,446        489,930  

Accruing loans contractually past due 3 months or more

     13,012        12,271  

Restructured loans

     305,433        477,659  

Subtotal (A)

     1,238,009        1,460,769  
  

 

 

    

 

 

 

Normal(B)

     152,109,014        150,212,705  

Total loans (C=A+B)

     153,347,024        151,673,475  
  

 

 

    

 

 

 

Non-performing loans ratio (A)/(C)

     0.80 %        0.96 %  

BK and TB Combined including Trust Account

     
(after write-offs)    (in millions of yen)  
     As of June 30,
2026
     As of
March 31, 2026
 

Bankrupt or De facto Bankrupt

     37,182        42,991  

Doubtful

     391,149        412,629  

Special Attention

     106,823        275,301  

Accruing loans contractually past due 3 months or more

     5,149        4,465  

Restructured loans

     101,674        270,836  

Subtotal (A)

     535,156        730,922  
  

 

 

    

 

 

 

Normal(B)

     135,738,681        134,395,862  

Total loans (C=A+B)

     136,273,838        135,126,785  
  

 

 

    

 

 

 

Non-performing loans ratio (A)/(C)

     0.39 %        0.54 %  

BK Non-consolidated

     
(after write-offs)    (in millions of yen)  
     As of June 30,
2026
     As of March
31, 2026
 

Bankrupt or De facto Bankrupt

     37,162        42,970  

Doubtful

     390,216        411,696  

Special Attention

     106,823        275,301  

Accruing loans contractually past due 3 months or more

     5,149        4,465  

Restructured loans

     101,674        270,836  

Subtotal (A)

     534,202        729,969  
  

 

 

    

 

 

 

Normal(B)

     132,274,676        131,316,395  

Total loans (C=A+B)

     132,808,879        132,046,364  
  

 

 

    

 

 

 

Non-performing loans ratio (A)/(C)

     0.40 %        0.55 %  

TB Non-consolidated

     
(after write-offs)    (in millions of yen)  
     As of
June 30, 2026
     As of
March 31, 2026
 

Bankrupt or De facto Bankrupt

     20        20  

Doubtful

     933        933  

Special Attention

     —         —   

Accruing loans contractually past due 3 months or more

     —         —   

Restructured loans

     —         —   

Subtotal (A)

     953        953  
  

 

 

    

 

 

 

Normal(B)

     3,462,150        3,077,509  

Total loans (C=A+B)

     3,463,104        3,078,463  
  

 

 

    

 

 

 

Non-performing loans ratio (A)/(C)

     0.02 %        0.03 %  

 

5


Mitsubishi UFJ Financial Group, Inc.

 

TB Non-consolidated: Trust Account

     
(after write-offs)    (in millions of yen)  
     As of
June 30, 2026
     As of
March 31, 2026
 

Bankrupt or De facto Bankrupt

     —         —   

Doubtful

     —         —   

Special Attention

     —         —   

Accruing loans contractually past due 3 months or more

     —         —   

Restructured loans

     —         —   

Subtotal (A)

     —         —   
  

 

 

    

 

 

 

Normal(B)

     1,855        1,957  

Total loans (C=A+B)

         1,855             1,957  
  

 

 

    

 

 

 

Non-performing loans ratio (A)/(C)

     —         —   

 

6


3. Securities

MUFG Consolidated

The tables include negotiable certificates of deposit in “Cash and due from banks”, securitized products in

“Monetary claims bought” and others in addition to “Securities”.

 

     (in millions of yen)  
     As of June 30, 2026     As of March 31, 2026  
     Amount on
consolidated
balance sheet
     Unrealized
gains (losses)
    Amount on
consolidated
balance sheet
     Unrealized
gains (losses)
 

Debt securities being held to maturity

     26,853,717        (1,256,962     26,012,559        (1,119,329

Domestic bonds

     20,682,176        (1,168,966     19,681,132        (1,020,494

Government bonds

     16,134,825        (816,657     15,270,891        (704,290

Municipal bonds

     2,895,311        (179,154     2,847,327        (165,265

Short-term corporate bonds

     —         —        —         —   

Corporate bonds

     1,652,039        (173,154     1,562,913        (150,938

Other

     6,171,541        (87,995     6,331,426        (98,835

Foreign bonds

     4,355,534        (89,834     4,488,121        (99,574

Other

     1,816,007        1,839       1,843,304        739  

 

     (in millions of yen)  
     As of June 30, 2026     As of March 31, 2026  
     Amount on
consolidated
balance sheet
     Unrealized
gains (losses)
    Amount on
consolidated
balance sheet
     Unrealized
gains (losses)
 

Available-for-sale securities

     58,384,212        3,071,648       57,786,465        2,708,595  

Domestic equity securities

     4,091,581        3,191,138       3,735,905        2,818,354  

Domestic bonds

     16,164,312        (287,864     14,785,152        (289,268

Government bonds

     14,493,762        (138,187     13,346,832        (147,696

Municipal bonds

     160,797        (10,100     166,451        (10,586

Short-term corporate bonds

     297,996        (45     —         —   

Corporate bonds

     1,211,756        (139,530     1,271,868        (130,985

Other

     38,128,317        168,373       39,265,407        179,509  

Foreign equity securities

     919,644        182,656       845,003        116,834  

Foreign bonds

     27,689,978        (179,326     28,302,385        (147,975

Other

     9,518,694        165,043       10,118,017        210,650  

 

7


Mitsubishi UFJ Financial Group, Inc.

 

BK Non-consolidated

The tables include negotiable certificates of deposit in “Cash and due from banks”, securitized products in

“Monetary claims bought” and others in addition to “Securities”.

 

     (in millions of yen)  
     As of June 30, 2026     As of March 31, 2026  
     Amount on
balance sheet
     Unrealized
gains (losses)
    Amount on
balance sheet
     Unrealized
gains (losses)
 

Debt securities being held to maturity

     24,005,133        (1,194,653     23,173,566        (1,071,335

Stocks of subsidiaries and affiliates

     1,380,775        1,333,262       670,430        682,505  
     (in millions of yen)  
     As of June 30, 2026     As of March 31, 2026  
     Amount on
balance sheet
     Unrealized
gains (losses)
    Amount on
balance sheet
     Unrealized
gains (losses)
 

Available-for-sale securities

     39,704,520        2,729,531       40,321,531        2,417,494  

Domestic equity securities

     3,490,559        2,674,239       3,228,036        2,395,455  

Domestic bonds

     13,713,729        (154,808     12,896,387        (160,520

Other

     22,500,230        210,100       24,197,108        182,559  

Foreign equity securities

     783,462        151,330       709,641        84,853  

Foreign bonds

     15,102,045        1,730       16,321,645        11,864  

Other

     6,614,722        57,039       7,165,821        85,841  

 

8


Mitsubishi UFJ Financial Group, Inc.

 

TB Non-consolidated

The tables include securitized products in “Monetary claims bought” in addition to “Securities”.

 

     (in millions of yen)  
     As of June 30, 2026     As of March 31, 2026  
     Amount on
balance sheet
     Unrealized
gains (losses)
    Amount on
balance sheet
     Unrealized
gains (losses)
 

Debt securities being held to maturity

     2,848,583        (62,308     2,838,992        (47,993

Stocks of subsidiaries and affiliates

     19,850        (951     19,850        (546
     (in millions of yen)  
     As of June 30, 2026     As of March 31, 2026  
     Amount on
balance sheet
     Unrealized
gains (losses)
    Amount on
balance sheet
     Unrealized
gains (losses)
 

Available-for-sale securities

     12,867,403        391,014       12,064,345        339,750  

Domestic equity securities

     678,694        537,245       602,033        458,349  

Domestic bonds

     1,962,767        (133,298     1,617,044        (128,831

Other

     10,225,942        (12,932     9,845,266        10,233  

Foreign equity securities

     193        137       171        116  

Foreign bonds

     8,419,134        (114,991     8,001,151        (110,035

Other

     1,806,613        101,921       1,843,943        120,152  

 

9


Mitsubishi UFJ Financial Group, Inc.

 

4. ROE

MUFG Consolidated

 

     (%)  
     For the three months
ended

June 30, 2026
     For the three months
ended

June 30, 2025
 

ROE (JPX basis) *1

     14.40        10.78  

Note:

 

  *1

Japan Exchange Group

 

10


Mitsubishi UFJ Financial Group, Inc.

 

5. Average Interest Rate Spread

BK and TB Combined

 

     (percentage per annum)  
(Domestic business segment)    For the three months
ended

June 30, 2026
     For the three months
ended

June 30, 2025
 

Average interest rate on loans and bills discounted

     1.45        1.06  

Average interest rate on deposits and NCD

     0.30        0.17  

Interest rate spread

     1.14        0.89  
(After excluding loans to the Japanese government and governmental organizations)      

Average interest rate on loans and bills discounted

     1.47        1.13  

Interest rate spread

     1.16        0.95  

BK Non-consolidated

 

     (percentage per annum)  
(Domestic business segment)    For the three months
ended

June 30, 2026
     For the three months
ended

June 30, 2025
 

Average interest rate on loans and bills discounted

     1.45        1.06  

Average interest rate on deposits and NCD

     0.28        0.16  

Interest rate spread

     1.16        0.90  
(After excluding loans to the Japanese government and governmental organizations)      

Average interest rate on loans and bills discounted

     1.47        1.13  

Interest rate spread

     1.19        0.96  

TB Non-consolidated

 

     (percentage per annum)  
(Domestic business segment)    For the three months
ended

June 30, 2026
     For the three months
ended

June 30, 2025
 

Average interest rate on loans and bills discounted

     1.18        0.91  

Average interest rate on deposits and NCD

     0.55        0.29  

Interest rate spread

     0.62        0.62  
(After excluding loans to the Japanese government and governmental organizations)      

Average interest rate on loans and bills discounted

     1.18        0.91  

Interest rate spread

     0.62        0.62  

 

11


Mitsubishi UFJ Financial Group, Inc.

 

6. Loans and Deposits

BK and TB Combined

 

     (in millions of yen)  
     As of
June 30, 2026
     As of
March 31, 2026
 

Deposits (ending balance)

     223,722,579        226,147,759  

Deposits (average balance)

     226,391,456        220,069,126  

Loans (ending balance)

     121,517,043        121,387,762  

Loans (average balance)

     122,864,091        116,772,107  
     (in millions of yen)  
     As of
June 30, 2026
     As of
March 31, 2026
 

Domestic deposits (ending balance)*

     182,025,312        185,272,448  

Individuals

     94,842,609        94,216,228  

Note:

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

BK Non-consolidated

 

     (in millions of yen)  
     As of
June 30, 2026
     As of
March 31, 2026
 

Deposits (ending balance)

     209,146,770        212,081,936  

Deposits (average balance)

     211,806,114        205,531,451  

Loans (ending balance)

     118,333,210        118,578,783  

Loans (average balance)

     119,927,242        114,035,930  
     (in millions of yen)  
     As of
June 30, 2026
     As of
March 31, 2026
 

Domestic deposits (ending balance)*

     170,574,884        173,964,807  

Individuals

     88,317,757        87,731,542  

Note:

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

TB Non-consolidated

 

     (in millions of yen)  
     As of
June 30, 2026
     As of
March 31, 2026
 

Deposits (ending balance)

     14,575,808        14,065,823  

Deposits (average balance)

     14,585,341        14,537,674  

Loans (ending balance)

     3,183,832        2,808,978  

Loans (average balance)

     2,936,849        2,736,176  
     (in millions of yen)  
     As of
June 30, 2026
     As of
March 31, 2026
 

Domestic deposits (ending balance)*

     11,450,428        11,307,640  

Individuals

     6,524,852        6,484,686  

Note:

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

 

12


Mitsubishi UFJ Financial Group, Inc.

 

7. Statements of Trust Assets and Liabilities

TB Non-consolidated

Including trust assets under service-shared co-trusteeship

 

(in millions of yen)    As of
March 31, 2026
     As of
June 30, 2026
 

Assets:

     

Loans and bills discounted

     1,495,493        1,343,081  

Securities

     91,704,429        90,713,814  

Beneficiary rights to the trust

     193,183,132        203,009,977  

Securities held in custody accounts

     3,234,031        3,229,197  

Monetary claims

     37,833,580        38,267,864  

Tangible fixed assets

     27,877,699        28,214,579  

Intangible fixed assets

     328,134        341,964  

Other claims

     3,943,856        4,186,794  

Call loans

     7,350,651        7,503,548  

Due from banking account

     2,808,353        3,060,925  

Cash and due from banks

     7,005,048        7,004,752  
  

 

 

    

 

 

 

Total

     376,764,411        386,876,501  
  

 

 

    

 

 

 

Liabilities:

     

Money trusts

     40,191,177        38,629,018  

Pension trusts

     13,894,088        13,723,675  

Property formation benefit trusts

     4,990        4,848  

Investment trusts

     191,654,775        201,504,741  

Money entrusted other than money trusts

     8,863,362        9,453,370  

Securities trusts

     4,143,865        4,674,810  

Monetary claim trusts

     33,553,151        33,175,605  

Equipment trusts

     1,149,948        1,090,960  

Land and fixtures trusts

     18,681        18,629  

Composite trusts

     83,290,369        84,600,840  
  

 

 

    

 

 

 

Total

     376,764,411        386,876,501  
  

 

 

    

 

 

 

 

Note: 1.

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

    2.

Trust assets and liabilities under a declaration of trust excluded from above table are 52,080 millions of yen as of March 31, 2026 and 44,071 millions of yen as of June 30, 2026, respectively.

 

13