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Investor Presentaiton

Strengthening compliance on the frontline O MUFG Ensure proper business execution through strengthening ability to respond to compliance matters not only at HQ (corporate center) level, but also at business divisions and branches, in order to cope with changes in the operating environment and the expanding Group size Bank HQ (corporate center) Director responsible for compliance Response to new laws/regulations ((Financial Instruments and Exchange Law. Tightening of money laundering regulations) Changes in economic and social environment Customer needs Expanding Group size Compliance & Legal Division Reporting/ Supervision Consultation Business Units Branches Business Unit compliance managers Internal Control Managers Responding to customer requests Area Business Administrators Compliance officers Overseas compliance managers Service provision Customer Strengthening ability to respond on the frontline To strengthen ability to respond in branches, we will: (1) Assign divisional internal control managers responsible for compliance (2) Reinforce compliance frameworks in our corporate and international business unit Retail: Assigned 244 Area Business Administrators in all areas Corporate: Assigned 35 compliance officers in corporate banking branches Established Corporate Compliance Division International: Established Global Compliance Division Started to strengthen anti-money laundering approach, etc. Plan to increase international compliance specialists by 100 30
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