Investor Presentaiton

DS R&C JCIB GCB GCIB Global Markets AM/IS . Key strategies (3) Strategy of the Americas / Middle market strategy Americas business after the sale of MUB After the sale of MUB, we focus on wholesale business in the Americas • • The Americas has large wallet share and remains a strategic region for GCIB Syndication and DCM wallet size by region*1 Overview of middle market strategy Accelerating middle market coverage, enabling to provide services according to clients' growth stage Growth stage IG 64% Non-IG Startups Technology Customer segments Middle Sponsor Large Americas corporates led corporates 2 1 I EMEA 77% APAC Banking Service Emerging Tech Enhanced in 2023 Direct Lending Established in 2022 3 I Collaboration Wholesale Banking Deepen Collaboration • Overview of the strategy in the Americas Accelerate BSO activity and collaboration with MS, and strengthen non-interest fee business Promote profitable institutional investors business, while diversify assets and sophisticate risk appetite by adopting to trends of client demands/market environment Transition image of GCIB Americas business portfolio Corporates • Accelerate BSO activity • Promote Non-interest fee business • Strengthen MS collaboration Portfolio rebalance - Non-IG M&A Advisory Service IPO Reallocate assets through BSO 2 • . - Middle market| Secured Finance Institutional Investors Current MTBP Intrepid*2 IPO Morgan Stanley 2 Middle Market Large Cap 1 Strengthen business relationship with institutional investors-led middle market clients . Expand TMT*3 team for middle market clients Utilize AI based credit model of Mars Collaborate with MS to serve later stage clients (ECM/IPO) 3 Strengthen M&A advisory business through Intrepid, an M&A boutique for SMEs *1 Dealogic (2022, calendar year basis) *2 A subsidiary of MUFG, M&A advisory firm in the U.S. for SMEs *3 Telecom Media Technology MUFG 35

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