Investor Presentaiton

. DS R&C JCIB GCB GCIB Global Markets AM/IS Review of FY22 FY22 WM profits WM Cross transactions mainly from loans and real estate transactions and cost reduction outperformed shortfall of AM business coming from market conditions (\bn) 97 79 66 51 Base income Non-JPY deposit spread improved due to structural changes in financial environment Improvements of loan spread and acquisition of new FX customers contributed to increase base income Non-JPY deposit Base income*5 +46 +28 interest income (\bn) 278 33 VS (\bn) 254 FY20 16 FY20 FY21 NOP NOP AM Cross Base Expenses, FY22 FY23 transa- income etc. ctions NOP NOP target FY20 FY21 FY22 FY20 FY21 FY22 Use of WMPF WM Cost structure reforms WMPF deepened the collaboration among BK, TB and MUMSS • Made steady progress in cost structure reform through branch network optimization, etc. Recommendations to RMS *1 and GPS*2 provided by WMPF contributed to increase numbers of proposals These MUFG solutions contributed to double fee income*3 No. of proposals with WMPF*4 200thd proposals Results of proposals with WMPF Expense trend (\bn) 90% ratio 495 Expense Non- WMPF Approx. Doubles fee income WMPF FY22 FY22 FY22 Q1 Q2 Q3 FY22 Q4 76% 459 Base cost reduction Approx. ¥40bn FY20 System depreciation Branch network cost and Optimization, deposit insurance premium FY22 etc. *1 RM: Relationship Manager, person in charge of sales *2 System to visualize the simulation towards the goal of clients' life *3 Fee income per customer by BK (managerial basis, tallied from April to November 2022) *4 Numbers of proposal documents made by BK using Goal Planning System *5 incomes from deposits, loans, domestic transactions and FX MUFG 12

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