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[6-K] Mitsubishi UFJ Financial Group, Inc. Current Report (Foreign Issuer)

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(Neutral)
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6-K
Rhea-AI Filing Summary

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 총자본비율18.67%(전분기 대비 0.16%포인트 하락), Tier 1 자본비율16.59%(0.05포인트 하락), 보통주자본비율(Common Equity Tier 1, CET1)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.

Positive
  • 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%.
Negative
  • 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 총자본비율18.67%(전분기 대비 0.16%포인트 하락), Tier 1 자본비율16.59%(0.05포인트 하락), 보통주자본비율(Common Equity Tier 1, CET1)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.

 
 

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 2025

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 14, 2025

 

Mitsubishi UFJ Financial Group, Inc.
By:  

/s/ Yoshitaka Sekine

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


Mitsubishi UFJ Financial Group, Inc.(MUFG)

Risk-Adjusted Capital Ratio Based on the Basel 3 Standards for the First Quarter Ended June 30, 2025

Tokyo, August 14, 2025 —- MUFG hereby announces the risk-adjusted capital ratio based on the Basel 3 standards for the first quarter ended June 30, 2025 as stated below.

 

Mitsubishi UFJ Financial Group, Inc. (Consolidated)         
                 (in billions of yen)  
     As of
June 30,
2025 (A)
    Increase
(Decrease)
(A) - (B)
    As of
March 31,
2025 (B)
 

(1) Total capital ratio (4) / (7)

     18.67     (0.16 %)      18.83

(2) Tier 1 capital ratio (5) / (7)

     16.59     (0.05 %)      16.65

(3) Common Equity Tier 1 capital ratio (6) / (7)

     13.95     (0.23 %)      14.18

(4) Total capital

     20,301.8       156.7       20,145.0  

(5) Tier 1 capital

     18,043.6       238.7       17,804.8  

(6) Common Equity Tier 1 capital

     15,171.2       1.9       15,169.2  

(7) Risk weighted assets

     108,725.1       1,794.7       106.930.4  

(8) Required Capital (7)×8%

     8,698.0       143.5       8,554.4  

MUFG Bank, Ltd. (Consolidated)

        
                 (in billions of yen)  
     As of
June 30,
2025 (A)
    Increase
(Decrease)
(A) - (B)
    As of
March 31,
2025 (B)
 

(1) Total capital ratio (4) / (7)

     19.43     (0.19 %)      19.63

(2) Tier 1 capital ratio (5) / (7)

     17.60     (0.08 %)      17.68

(3) Common Equity Tier 1 capital ratio (6) / (7)

     14.77     (0.32 %)      15.10

(4) Total capital

     16,679.0       201.4       16,477.6  

(5) Tier 1 capital

     15,105.9       262.7       14,843.2  

(6) Common Equity Tier 1 capital

     12,683.4       8.3       12,675.1  

(7) Risk weighted assets

      85,819.7       1,890.3       83,929.4  

(8) Required Capital (7)×8%

     6,865.5       151.2       6,714.3  

 

1


Mitsubishi UFJ Trust and Banking Corporation (Consolidated)         
                 (in billions of yen)  
     As of
June 30,
2025 (A)
    Increase
(Decrease)
(A) - (B)
    As of
March 31,
2025 (B)
 

(1) Total capital ratio (4) / (7)

     19.21     (0.74 %)      19.96

(2) Tier 1 capital ratio (5) / (7)

     15.82     (0.59 %)      16.41

(3) Common Equity Tier 1 capital ratio (6) / (7)

     12.83     (0.72 %)      13.56

(4) Total capital

     1,929.1       (12.5     1,941.6  

(5) Tier 1 capital

     1,588.4       (7.9     1,596.3  

(6) Common Equity Tier 1 capital

     1,288.7       (29.9     1,318.7  

(7) Risk weighted assets

      10,038.9       314.4       9,724.4  

(8) Required Capital (7)×8%

     803.1       25.1       777.9  

MUFG Bank, Ltd. (Non-Consolidated)

        
                 (in billions of yen)  
     As of
June 30,
2025 (A)
    Increase
(Decrease)
(A) - (B)
    As of
March 31,
2025 (B)
 

(1) Total capital ratio (4) / (7)

     17.13     0.06     17.07

(2) Tier 1 capital ratio (5) / (7)

     15.44     0.19     15.24

(3) Common Equity Tier 1 capital ratio (6) / (7)

     12.22     (0.08 %)      12.30

(4) Total capital

     12,592.5       343.6       12,248.9  

(5) Tier 1 capital

     11,350.9       410.7       10,940.2  

(6) Common Equity Tier 1 capital

     8,987.2       156.2       8,830.9  

(7) Risk weighted assets

      73,501.5       1,754.2       71,747.3  

(8) Required Capital (7)×8%

     5,880.1       140.3       5,739.7  

Mitsubishi UFJ Trust and Banking Corporation (Non-Consolidated)

        
                 (in billions of yen)  
     As of
June 30,
2025 (A)
    Increase
(Decrease)
(A) - (B)
    As of
March 31,
2025 (B)
 

(1) Total capital ratio (4) / (7)

     19.04     (1.01 %)      20.06

(2) Tier 1 capital ratio (5) / (7)

     16.06     (0.82 %)      16.89

(3) Common Equity Tier 1 capital ratio (6) / (7)

     13.45     (0.90 %)      14.35

(4) Total capital

     2,167.8       (8.2     2,176.0  

(5) Tier 1 capital

     1,828.3       (3.7     1,832.1  

(6) Common Equity Tier 1 capital

     1,530.8       (25.7     1,556.6  

(7) Risk weighted assets

      11,380.6       536.1       10,844.5  

(8) Required Capital (7)×8%

     910.4       42.8       867.5  

 

2


Notes:

Risk-adjusted capital ratio of Mitsubishi UFJ Financial Group, Inc. is computed in accordance with the Notification of the Financial Services Agency No.20, 2006.

Risk-adjusted capital ratio of MUFG Bank, Ltd. and Mitsubishi UFJ Trust and Banking Corporation are computed in accordance with the Notification of the Financial Services Agency No.19, 2006.

-End-

About MUFG

Mitsubishi UFJ Financial Group, Inc. (MUFG) is one of the world’s leading financial groups. Headquartered in Tokyo and with over 360 years of history, MUFG has a global network with approximately 2,000 locations in more than 40 countries. The Group has about 150,000 employees and offers services including commercial banking, trust banking, securities, credit cards, consumer finance, asset management, and leasing. The Group aims to “be the world’s most trusted financial group” through close collaboration among our operating companies and flexibly respond to all of the financial needs of our customers, serving society, and fostering shared and sustainable growth for a better world. MUFG’s shares trade on the Tokyo, Nagoya, and New York stock exchanges. For more information, visit https://www.mufg.jp/english.

 

3

FAQ

What CET1 ratio did MUFG report for the quarter (MUFG)?

MUFG reported a consolidated Common Equity Tier 1 (CET1) ratio of 13.95%, down 0.23 percentage points from the prior quarter.

How large are MUFG's consolidated risk-weighted assets (RWAs)?

Consolidated RWAs were reported at ¥108,725.1 billion, an increase of ¥1,794.7 billion versus the prior quarter.

What is MUFG's total consolidated capital level?

Total consolidated capital was ¥20,301.8 billion, an increase of ¥156.7 billion from the previous quarter.

Did MUFG Bank and Mitsubishi UFJ Trust & Banking report similar trends?

Yes. MUFG Bank (consolidated) reported a total capital ratio of 19.43% and CET1 14.77%; Mitsubishi UFJ Trust & Banking (consolidated) reported total capital ratio 19.21% and CET1 12.83%.

What is the filing's required-capital calculation shown?

The filing shows required capital as 8% of RWAs; consolidated required capital was ¥8,698.0 billion.
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11.38B
0%
2.93%
0.06%
Banks - Diversified
Financial Services
Link
Japan
Tokyo