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Investor Presentaiton

DS R&C JCIB GCB GCIB Global Markets AM/IS Key strategies (4) Facilitate changes in customer expectation regarding the roles we should fulfill Help employees change their daily modes of behavior Pathway for growth in the next MTBP Our vision: Approach for the co-creation of value Further growth Fundamental corporate value Social issue oriented New business Market value Realize the genuine value of assets I Engagement for corporate value improvement Initiative for daily change Co-work with customers for greater value Our vision Support the transition of society together with our customers and lead the renewal of Japan's industry Continuous deepening of ROE management Improvement of lending and deposit spreads Reduction of equity holdings Establishment of business model to address social issues Rulemakingāš« Policy recommendation Knowledge accumulation and network reinforcement leveraging investment CHICAGO BOOTH Chicago x MUFG Rising Talent Program Participating in a University of Chicago innovation program along with major corporate customers Participating company Approx. 40 Corps. Strengthening of origination ML Demonstration of fund intermediation function for unproven technologies CIC Tokyo*1 .. CIC Total participants of tokyo MUFG seminar Approx.1,000 Teaching expert program Absorb expertise of external human resources to promote refinement of proposals and changes in behavior Target person Approx.250 New business development and operational reform initiated by employees Employees proposing new ideas for business creation and operational reform has become the norm Total proposals Approx.200 *1 Large urban innovation center expanding to nine cities around the world Facilitate changes in customer expectation regarding the roles we should fulfill and become the customers' partner for realizing transition of society Help employees change their daily modes of behavior Establish to approach for the co-creation of value = MUFG 22
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