Investor Presentaiton

Completion of Day 2 and steady realization of benefits of integration • Preparations proceeding as planned toward Day 2. Integration synergies estimated to be fully achieved in FY09. O MUFG - FY09 cost synergies approx. ¥220 bn. Average annual one-off integration costs*1 estimated to be approx. ¥100 bn - Aiming for top-line synergies of approx. ¥70 bn in FY09 (\bn) Integration synergies: results and targets Subsidiaries related: Approx. ¥30 bn HQ expenses: Approx. ¥50-60 bn Branch integration/closure: Approx. ¥10-20 bn Systems related: Approx. ¥40 bn Personnel expenses: Approx. ¥10 bn Full-scale systems integration (Day2) Approx. 70 FY06 (forecast) FY07 (target) Appox. 30-40 Approx. 150 Approx. 220 FY08 (target) FY09 (target) Top line synergies Cost synergies Subsidiaries related: Approx. ¥30 bn HQ expenses: Approx. ¥60 bn Branch integration/closure: Approx. ¥20 bn Systems related: Approx. ¥80-90 bn Personnel expenses: Approx. ¥20 bn *1 One-off costs resulting from integration including systems integration costs (depreciated), branch closure elimination and consolidation costs, tax, CI, head office organization closure and consolidation costs, etc. One-off integration costs*1 FY06-09 annual average approx. ¥100bn 31

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