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Investor Presentaiton

FRL disclosed loans/ Credit-related costs (Sum of non-consolidated) Quality of lending assets continues to improve, NPL ratio declined to 1.33% O MUFG • Reversal of allowance for loan losses resulted in credit-related gain of ¥114.4 bn on sum of non-consolidated basis Balance of FRL disclosed loans Credit-related costs (Sum of non-consolidated) (\tn) 4 (\bn) (Figures in parentheses represent costs) 800 3.33% 600 ¥3,009.8 bn 2.72% NPL Ratio 400 Bankrupt/ 3 Substantially bankrupt 2.07% 200 538.9 399.5 Full year 114.4 ¥2,486.2 bn 0 High risk 1.43% 2 ¥1,825.9 bn 1.33% (200) Q1-Q3(Apr. to Dec.) ¥1,277.8 bn ¥1,197.4 bn (400) (600) (543.7) Close observation (800) (1,000) (970.4) (1,200) End Mar. End Sep. End Mar. End Sep. End Dec. FY04 *1 FY05 *1 FY06 05 05 06 06 06 *1 Figures of FY04 Q1-Q3, FY04 full year and FY05 full year include separate subsidiaries. 12
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