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Investor Presentaiton

DS R&C JCIB GCB GCIB Global Markets AM/IS Key strategies (1) Further strengthening sales & trading business Business environment and Key initiative ¥472.2bn*1 | B GCIB & Global Markets ¥120.Obn*1 Continued Inflation Business environment DX and ESG Interest Rates Foreign CCY Rates Restrictions on non-JPY Liquidity and Capital Geopolitical Risks Commodity Prices Allocate resources and strengthen functions based on needs from corporate customers and institutional investors Customer Needs Customer Needs Key initiatives A Further strengthening of FX business C Top derivatives B "GCIB & Global Markets" market share in Japan Review of investment strategy Diversification of funding methods Secured Finance*4, Sales of loans and underwriting bonds Ancillary transactions (derivatives, forex) GCIB-Global Markets combined ROE (%) 8.4 8.0~ Activity volume ΚΡΙ Appropriate Risk Appetite Strengthen Trading function Organize incentive framework such as promotion of cross-selling FY22 result FY23 target A Further strengthen FX business (An enhanced MUFG/MS Alliance, etc.) ¥203.5bn*1*2 Customer Needs C Enhance pricing capability Expand product/service lineup • Improve client service Price quote speed: roughly x2 No. of Receipt: more than x20 Algorithm trade function Currency pair coverage: more than x3 Market analysis NDF*3.Options function Collaboration in FX Trading Area through MSMS leverage each of both parties' unique and complementary strengths Strengths MUBK • Corporate customers etc. • JPY and Asian CCY MSMS Benefit from the enhanced scale of the collaboration Top domestic market share in derivatives ¥86.0bn*1 (Strengthen our capability to respond to JPY interest rates) Strengthen our capabilities to develop and deliver new solutions to capture the increase in volatility in JPY interest rates Customer Needs Prepare for inflation, resource constraints and the risk of rising interest rates (including optimizing global network) Review of financial strategies Response to Green / Digital Provide hedging tools. Support investment of surplus funds Strengths MS International Institutional investors etc. Global FX business platform Develop new products Carbon credit, DCH*5 Rebuild JPY interest rate derivative business Organize incentive framework, such as acquisition of new customers *1 FY23 revenue plan (before profit sharing between business group, managerial accounting basis) *2 No "Alliance 2.0" impact in FY23 revenue plan *3 Non-Deliverable-Forward *4 Loans collateralized by investment assets of funds *5 Deal Contingent Hedge (hedging transactions to be effective or ineffective depending on success or failure in project financing) Profits from interest rates related business (Japan, \bn) 86.3 Activity volume ΚΡΙ 86.0~ FY22 result FY23 target O MUFG 40
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