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Investor Presentaiton

FY 2006 Q1-Q3 Results Summary (P/L) (Consolidated) O MUFG Consolidated gross profits up ¥67.1 bn from FY 05 Q1-Q3 ➤ Despite lower JGB gains, Gross profits increased driven by overseas businesses, increase in investment trust related revenue and new consolidation of subsidiaries, etc. Operating expenses up ¥147.8 bn ➤ Main causes of increase were higher subsidiary expenses (including new consolidation of subsidiaries) and integration costs, etc. • Net income ¥690.5 bn ➤ Net income declined by ¥335.8 bn mainly due to decrease in gain on reversal of allowances Credit-related costs showed a gain of ¥6.7 bn ➤ Declined by ¥285.5 bn 5 16 \ bn From Consolidated Statement of Income FY 05 Q1-Q3 FY 06 Q1-Q3 Change Gross profits *1 2,620.1 2,687.2 67.1 1 (before credit costs for trust accounts) Net interest income 2 1,329.0 1,379.8 50.8 Net fees and commissions 778.0 839.9 61.8 3 4 Net gains on debt securities 40.9 6.2 (34.7) *1 Operating expenses 1,388.0 1,535.9 147.8 Net business profit*2 1,232.0 1,151.3 (80.7) 7 Non-recurring gains (losses) (135.5) (187.2) (51.7) 8 Ordinary profit 1,095.6 963.9 (131.6) 9 Net special gains (losses) 409.4 186.2 (223.2) Net income 1,026.4 690.5 (335.8) 10 *3 Credit-related costs 292.2 6.7 (285.5) 11 Credit-related costs 399.5 114.4 (285.0) 12 (Sum of non-consolidated) Figures in parenthesis refer to costs or losses. *1 Impact of new subsidiary consolidation approx. ¥170 bn in Gross profits and approx. ¥90 bn in General and administrative expenses (approx. figures). *2 Before credit costs for trust accounts and provision for general allowance for loan losses *3 Credit-related costs = Credit costs for trust accounts (included in gross profits) + Provision for formula allowance for loan losses+ credit-related costs (included in net non-recurring gains and losses) + Reversal of allowance for loan losses. 9
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