Investor Presentaiton

DS R&C JCIB GCB GCIB Global Markets AM/IS FY22 results YOY FY22 FY23 results*1 revised (adjusted) target Net operating profits (\bn) 269.4 +77.6 250 237.4 (vs original target +70) Progress of the medium-term business plan FY22 results / FY23 revised target Review of FY22 • . Improved B/S related income Expansion of Institutional Investors portfolio Uplift in loan fees in U.S. project finance through Origination & Distribution Captured demands of deposits, FX and derivatives Achieve- ments Expense ratio 51% (7ppt) 52% 51% • ROE 8.5% +1.5ppt 7.5% 8% Chal- lenges • Further strengthen non-interest fee business Shift towards a portfolio with higher profitability RWA (\tn) 22.8 (0.0) 23.0 25.0 Changes in ROE FY23 key strategies Net profits +¥16.2bn Manage- ment Policy Simplicity Empowerment 8.5% 8% 7.5% VS 7% VS target original target +1ppt Client Delivery 1 Profitability improvement of business portfolio Exploi- tation 2 GCIB & Global Markets 3 Strategy of the Americas - deep dive into the middle market segment income FY21 Interest Non- Expenses Credit result income interest costs /others FY22 Impact of FY22 result the sale result of MUB (adjusted) FY23 revised target Explo- ration 4 Investment in new growth business *1 Exclude impact of the sale of MUB (MUFG Union Bank) MUFG 32

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