[6-K] Mitsubishi UFJ Financial Group, Inc. Current Report (Foreign Issuer)
Mitsubishi UFJ Financial Group (MUFG) disclosed its Basel III risk-adjusted capital ratios for the quarter ended June 30, 2025. On a consolidated basis the total capital ratio was 18.67% (down 0.16 percentage points), Tier 1 capital ratio was 16.59% (down 0.05 points) and Common Equity Tier 1 (CET1) was 13.95% (down 0.23 points). Total consolidated capital stood at ¥20,301.8 billion (up ¥156.7 billion) and risk-weighted assets were ¥108,725.1 billion (up ¥1,794.7 billion), with the 8% required capital equivalent to ¥8,698.0 billion.
At the operating-bank level, MUFG Bank (consolidated) reported a total capital ratio of 19.43% and CET1 of 14.77%, while Mitsubishi UFJ Trust and Banking (consolidated) reported a total capital ratio of 19.21% and CET1 of 12.83%. The disclosure shows modest quarter-over-quarter declines in capital ratios driven alongside increases in risk-weighted assets while absolute capital balances generally rose.
Mitsubishi UFJ Financial Group (MUFG) ha comunicato i propri coefficienti patrimoniali rettificati per il rischio secondo Basilea III per il trimestre chiuso al 30 giugno 2025. Su base consolidata il total capital ratio risultava pari a 18.67% (in calo di 0.16 punti percentuali), il Tier 1 capital ratio a 16.59% (in diminuzione di 0.05 punti) e il Common Equity Tier 1 (CET1) a 13.95% (in calo di 0.23 punti). Il capitale consolidato totale ammontava a ¥20,301.8 billion (in aumento di ¥156.7 billion) e le attività ponderate per il rischio erano pari a ¥108,725.1 billion (in crescita di ¥1,794.7 billion), con l'equivalente dell'8% richiesto pari a ¥8,698.0 billion.
Al livello delle banche operative, MUFG Bank (consolidato) ha riportato un total capital ratio del 19.43% e un CET1 del 14.77%, mentre Mitsubishi UFJ Trust and Banking (consolidato) ha registrato un total capital ratio del 19.21% e un CET1 del 12.83%. La comunicazione evidenzia lievi cali trimestre su trimestre dei coefficienti patrimoniali, principalmente dovuti all'incremento delle attività ponderate per il rischio, mentre i saldi patrimoniali assoluti sono generalmente aumentati.
Mitsubishi UFJ Financial Group (MUFG) divulgó sus ratios de capital ajustados por riesgo según Basilea III para el trimestre cerrado el 30 de junio de 2025. A nivel consolidado el total capital ratio fue de 18.67% (descenso de 0.16 puntos porcentuales), el Tier 1 capital ratio fue de 16.59% (descenso de 0.05 puntos) y el Common Equity Tier 1 (CET1) fue de 13.95% (descenso de 0.23 puntos). El capital consolidado total ascendió a ¥20,301.8 billion (incremento de ¥156.7 billion) y los activos ponderados por riesgo fueron ¥108,725.1 billion (incremento de ¥1,794.7 billion), con el equivalente del 8% exigido de ¥8,698.0 billion.
A nivel de bancos operativos, MUFG Bank (consolidado) informó un total capital ratio de 19.43% y un CET1 de 14.77%, mientras que Mitsubishi UFJ Trust and Banking (consolidado) informó un total capital ratio de 19.21% y un CET1 de 12.83%. La publicación muestra leves descensos trimestrales en los ratios de capital impulsados por aumentos en los activos ponderados por riesgo, mientras que los saldos absolutos de capital en general aumentaron.
Mitsubishi UFJ Financial Group (MUFG)는 2025년 6월 30일로 종료된 분기의 바젤 III 리스크 조정 자본비율을 공시했습니다. 연결 기준으로 총자본비율은 18.67%(전분기 대비 0.16%포인트 하락), Tier 1 자본비율은 16.59%(0.05포인트 하락), 보통주자본비율(Common Equity Tier 1, CET1)은 13.95%(0.23포인트 하락)이었습니다. 연결 기준 총자본은 ¥20,301.8 billion(¥156.7 billion 증가), 리스크가중자산은 ¥108,725.1 billion(¥1,794.7 billion 증가)였고, 요구자본 8%에 해당하는 금액은 ¥8,698.0 billion입니다.
영업은행 수준에서는 MUFG Bank(연결)가 총자본비율 19.43%, CET1 14.77%를 보고했으며, Mitsubishi UFJ Trust and Banking(연결)는 총자본비율 19.21%, CET1 12.83%를 보고했습니다. 공시는 리스크가중자산의 증가에 따른 분기별 자본비율의 소폭 하락을 보여주고 있으며, 절대적인 자본 잔액은 전반적으로 증가했습니다.
Mitsubishi UFJ Financial Group (MUFG) a communiqué ses ratios de fonds propres pondérés par le risque selon Bâle III pour le trimestre clos le 30 juin 2025. En base consolidée, le total capital ratio s'établissait à 18.67% (en baisse de 0.16 point de pourcentage), le Tier 1 capital ratio à 16.59% (en baisse de 0.05 point) et le Common Equity Tier 1 (CET1) à 13.95% (en baisse de 0.23 point). Les capitaux consolidés totaux s'élevaient à ¥20,301.8 billion (en hausse de ¥156.7 billion) et les actifs pondérés par le risque à ¥108,725.1 billion (en hausse de ¥1,794.7 billion), l'équivalent des 8% requis étant de ¥8,698.0 billion.
Au niveau des banques opérationnelles, MUFG Bank (consolidé) a déclaré un total capital ratio de 19.43% et un CET1 de 14.77%, tandis que Mitsubishi UFJ Trust and Banking (consolidé) a déclaré un total capital ratio de 19.21% et un CET1 de 12.83%. La publication met en évidence de légères baisses trimestrielles des ratios de fonds propres liées à l'augmentation des actifs pondérés par le risque, tandis que les niveaux absolus de capitaux ont généralement augmenté.
Mitsubishi UFJ Financial Group (MUFG) hat seine nach Basel III gewichteten Kapitalquoten für das Quartal zum 30. Juni 2025 veröffentlicht. Auf konsolidierter Basis lag die total capital ratio bei 18.67% (Rückgang um 0.16 Prozentpunkte), die Tier 1 capital ratio bei 16.59% (Rückgang um 0.05 Punkte) und das Common Equity Tier 1 (CET1) bei 13.95% (Rückgang um 0.23 Punkte). Das konsolidierte Gesamtkapital belief sich auf ¥20,301.8 billion (Anstieg um ¥156.7 billion) und die risikogewichteten Aktiva betrugen ¥108,725.1 billion (Anstieg um ¥1,794.7 billion), wobei das 8%-Äquivalent des geforderten Kapitals ¥8,698.0 billion beträgt.
Auf Ebene der operativen Banken meldete die MUFG Bank (konsolidiert) eine total capital ratio von 19.43% und ein CET1 von 14.77%, während Mitsubishi UFJ Trust and Banking (konsolidiert) eine total capital ratio von 19.21% und ein CET1 von 12.83% ausweist. Die Veröffentlichung zeigt leichte Quartalsrückgänge der Kapitalquoten, die durch steigende risikogewichtete Aktiva verursacht werden, während die absoluten Kapitalbestände insgesamt zugenommen haben.
- Consolidated capital balances increased: total capital rose to ¥20,301.8 billion (up ¥156.7 billion) and Tier 1 capital to ¥18,043.6 billion (up ¥238.7 billion).
- Capital ratios remain well above the 8% required-capital benchmark shown in the filing (required capital ¥8,698.0 billion).
- MUFG Bank consolidated maintained strong ratios with a total capital ratio of 19.43% and CET1 of 14.77%.
- Consolidated CET1 declined 0.23 percentage points to 13.95%, reflecting ratio compression this quarter.
- Risk-weighted assets increased materially by ¥1,794.7 billion, which pressured capital ratios despite higher absolute capital.
- Mitsubishi UFJ Trust and Banking (consolidated) saw a larger CET1 drop of 0.72 percentage points to 12.83%.
Insights
TL;DR: MUFG's capital ratios remain robust despite slight quarter-on-quarter declines as RWAs increased.
MUFG's consolidated CET1 of 13.95% and total capital ratio of 18.67% provide a comfortable buffer above the 8% regulatory capital metric shown in the filing. Absolute capital balances increased (total capital +¥156.7bn; Tier 1 +¥238.7bn), but risk-weighted assets rose by ¥1,794.7bn, producing modest ratio compression. Bank-level data show similar dynamics: MUFG Bank (consolidated) CET1 14.77%, and Trust & Banking (consolidated) CET1 12.83%. For investors, these figures indicate sustained capital strength with near-term sensitivity to RWA growth.
TL;DR: Capital adequacy remains strong but RWAs widened, warranting monitoring of risk exposures and capital trajectory.
The report highlights a notable increase in consolidated RWAs of ¥1,794.7bn, which outpaced the rise in common equity (CET1 up ¥1.9bn), resulting in a 0.23 percentage point decline in CET1 to 13.95%. Mitsubishi UFJ Trust and Banking shows a larger CET1 drop of 0.72 points on a consolidated basis. While current ratios are well above the 8% required-capital calculation presented, the disproportionate RWA growth versus CET1 accumulation is the primary driver of ratio pressure this quarter and is the key risk signal in the filing.
Mitsubishi UFJ Financial Group (MUFG) ha comunicato i propri coefficienti patrimoniali rettificati per il rischio secondo Basilea III per il trimestre chiuso al 30 giugno 2025. Su base consolidata il total capital ratio risultava pari a 18.67% (in calo di 0.16 punti percentuali), il Tier 1 capital ratio a 16.59% (in diminuzione di 0.05 punti) e il Common Equity Tier 1 (CET1) a 13.95% (in calo di 0.23 punti). Il capitale consolidato totale ammontava a ¥20,301.8 billion (in aumento di ¥156.7 billion) e le attività ponderate per il rischio erano pari a ¥108,725.1 billion (in crescita di ¥1,794.7 billion), con l'equivalente dell'8% richiesto pari a ¥8,698.0 billion.
Al livello delle banche operative, MUFG Bank (consolidato) ha riportato un total capital ratio del 19.43% e un CET1 del 14.77%, mentre Mitsubishi UFJ Trust and Banking (consolidato) ha registrato un total capital ratio del 19.21% e un CET1 del 12.83%. La comunicazione evidenzia lievi cali trimestre su trimestre dei coefficienti patrimoniali, principalmente dovuti all'incremento delle attività ponderate per il rischio, mentre i saldi patrimoniali assoluti sono generalmente aumentati.
Mitsubishi UFJ Financial Group (MUFG) divulgó sus ratios de capital ajustados por riesgo según Basilea III para el trimestre cerrado el 30 de junio de 2025. A nivel consolidado el total capital ratio fue de 18.67% (descenso de 0.16 puntos porcentuales), el Tier 1 capital ratio fue de 16.59% (descenso de 0.05 puntos) y el Common Equity Tier 1 (CET1) fue de 13.95% (descenso de 0.23 puntos). El capital consolidado total ascendió a ¥20,301.8 billion (incremento de ¥156.7 billion) y los activos ponderados por riesgo fueron ¥108,725.1 billion (incremento de ¥1,794.7 billion), con el equivalente del 8% exigido de ¥8,698.0 billion.
A nivel de bancos operativos, MUFG Bank (consolidado) informó un total capital ratio de 19.43% y un CET1 de 14.77%, mientras que Mitsubishi UFJ Trust and Banking (consolidado) informó un total capital ratio de 19.21% y un CET1 de 12.83%. La publicación muestra leves descensos trimestrales en los ratios de capital impulsados por aumentos en los activos ponderados por riesgo, mientras que los saldos absolutos de capital en general aumentaron.
Mitsubishi UFJ Financial Group (MUFG)는 2025년 6월 30일로 종료된 분기의 바젤 III 리스크 조정 자본비율을 공시했습니다. 연결 기준으로 총자본비율은 18.67%(전분기 대비 0.16%포인트 하락), Tier 1 자본비율은 16.59%(0.05포인트 하락), 보통주자본비율(Common Equity Tier 1, CET1)은 13.95%(0.23포인트 하락)이었습니다. 연결 기준 총자본은 ¥20,301.8 billion(¥156.7 billion 증가), 리스크가중자산은 ¥108,725.1 billion(¥1,794.7 billion 증가)였고, 요구자본 8%에 해당하는 금액은 ¥8,698.0 billion입니다.
영업은행 수준에서는 MUFG Bank(연결)가 총자본비율 19.43%, CET1 14.77%를 보고했으며, Mitsubishi UFJ Trust and Banking(연결)는 총자본비율 19.21%, CET1 12.83%를 보고했습니다. 공시는 리스크가중자산의 증가에 따른 분기별 자본비율의 소폭 하락을 보여주고 있으며, 절대적인 자본 잔액은 전반적으로 증가했습니다.
Mitsubishi UFJ Financial Group (MUFG) a communiqué ses ratios de fonds propres pondérés par le risque selon Bâle III pour le trimestre clos le 30 juin 2025. En base consolidée, le total capital ratio s'établissait à 18.67% (en baisse de 0.16 point de pourcentage), le Tier 1 capital ratio à 16.59% (en baisse de 0.05 point) et le Common Equity Tier 1 (CET1) à 13.95% (en baisse de 0.23 point). Les capitaux consolidés totaux s'élevaient à ¥20,301.8 billion (en hausse de ¥156.7 billion) et les actifs pondérés par le risque à ¥108,725.1 billion (en hausse de ¥1,794.7 billion), l'équivalent des 8% requis étant de ¥8,698.0 billion.
Au niveau des banques opérationnelles, MUFG Bank (consolidé) a déclaré un total capital ratio de 19.43% et un CET1 de 14.77%, tandis que Mitsubishi UFJ Trust and Banking (consolidé) a déclaré un total capital ratio de 19.21% et un CET1 de 12.83%. La publication met en évidence de légères baisses trimestrielles des ratios de fonds propres liées à l'augmentation des actifs pondérés par le risque, tandis que les niveaux absolus de capitaux ont généralement augmenté.
Mitsubishi UFJ Financial Group (MUFG) hat seine nach Basel III gewichteten Kapitalquoten für das Quartal zum 30. Juni 2025 veröffentlicht. Auf konsolidierter Basis lag die total capital ratio bei 18.67% (Rückgang um 0.16 Prozentpunkte), die Tier 1 capital ratio bei 16.59% (Rückgang um 0.05 Punkte) und das Common Equity Tier 1 (CET1) bei 13.95% (Rückgang um 0.23 Punkte). Das konsolidierte Gesamtkapital belief sich auf ¥20,301.8 billion (Anstieg um ¥156.7 billion) und die risikogewichteten Aktiva betrugen ¥108,725.1 billion (Anstieg um ¥1,794.7 billion), wobei das 8%-Äquivalent des geforderten Kapitals ¥8,698.0 billion beträgt.
Auf Ebene der operativen Banken meldete die MUFG Bank (konsolidiert) eine total capital ratio von 19.43% und ein CET1 von 14.77%, während Mitsubishi UFJ Trust and Banking (konsolidiert) eine total capital ratio von 19.21% und ein CET1 von 12.83% ausweist. Die Veröffentlichung zeigt leichte Quartalsrückgänge der Kapitalquoten, die durch steigende risikogewichtete Aktiva verursacht werden, während die absoluten Kapitalbestände insgesamt zugenommen haben.