Investor Presentaiton

DS R&C JCIB GCB GCIB Global Markets AM/IS Key strategies (2) Enhancement of base income FY23 base income target (\bn) 278 310 +32 (vs FY22) • Loans Lending spread turned into an improving trend. Enhance pricing management as well as pile up high value-added deals for further improvement 254 (Trend of corporate lending spread) 0.77% ■Overview of lending spread improvement (Loan portfolio) . FX FY20 FY22 Deposits FX Loans for corporates, etc. FY23 In addition to deepen existing FX businesses, accelerate introduction of FX internet banking service (FXEB) to reinforce FX earning base ■FX income trend / FY23 key strategies (FX profits trend) FY20 FY21 FY22 FY23 1 Deepen existing FX businesses ①Enhance capability to provide FX solutions by collaborating with sales team through account plans ii Strengthen transaction flow monitoring by using visualization tool such as Tableau*1 2 FXEB new contracts iii Expand FXEB corporate users as a starting point to increase FX transactions (Cumulative) 10,000 1,900 companies companies FY20 FY21 FY22 FY23 Before the introduction of negative interest rates FY14 0.49% 0.53% FY20 FY22 FY23 ■FY23 key strategies 1 Pricing management enhancement ⑪Ensure competitive pricing operation ii Expand the target of deal screening to some SMEs (Overview of deal screening) Mid to Large long corporates term Short term Corporate loans Approx. \17tn Approx. 40% of corporate loans will be refinanced this year due to the maturity 2 Initiatives for high-value-added deals (iii) Strengthen fund coverage ⇒LBO loan balance increase steadily iv Aggregate knowledge of real estate and dig down deals (Loan balance of LBO deals) iii SMES (ii) Target deals Target (to be), Average deals (as is) balance Disbur- sements FY20 FY21 FY22 FY23 MUFG 14 *1 Tool provided by TABLEAU SOFTWARE, LLC, which enables to analyze and visualize data with simple operations

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