Mitsubishi UFJ Financial Group reports 1Q net income at record high in Japan; 30% toward FY26 target

Mitsubishi UFJ Financial Group reports 1Q net income at record high in Japan; 30% toward FY26 target

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Mitsubishi UFJ Financial Group Financial Highlights under Japanese GAAP for 1st Quarter of the Fiscal Year Ending March 31, 2027 August 3, 2026

2 Key Message Breakdown of Changes in NOP*2 Breakdown of Changes in Net Income 1 2 *1 Profits attributable to owners of parent 2 On a managerial accounting basis Definitions of figures and abbreviations used in this document can be found on the last page End Jun 2026 End Jun 2025 FX rate 162.39 144.81 USD/JPY 820.5 R&D +18.9 CWM +46.3 JCIB +54.6 GCB +11.9 AM/IS +3.3 GCIB +70.9 GM +67.7 Other +4.8 542.2 FY25 1Q R&D CWM JCIB GCB AM/IS GCIB GM Other FY26 1Q 809.4 +182.0 +47.0 +104.0 (17.0) (52.0) 546.0 Customer Segment: +205.8 FY25 1Q FY26 1Q FY25 1Q FY26 1Q NOP Credit costs Net gains (losses) on equity securities Others Key components • Rebound of one-time gains in FY25, including gains on the liquidation of subsidiaries • Increase in profits attributable to non-controlling interests (¥bn) (¥bn, approx. amounts, after-tax) FX fluctuation: approx. +40.0 rises in JPY interest rates: approx. +60.0 Including the impact due to; Including the impact due to; FX fluctuation: approx. +50.0 +263.3 +48% Equity in earnings of equity method investees Net Operating Profits (NOP): ¥809.0bn, up by ¥266.0bn YoY / 28% progress towards FY26 target Increased significantly, driven by growth in loan balances and fee income, while steadily capturing the benefit of higher JPY interest rate Net Income1: ¥809.4bn, up by ¥263.3bn YoY / 30% progress towards FY26 target Achieved record-high net income for the 1st quarter, driven by a significant increase in NOP and equity in earnings of equity method investees

3 YoY 1 1,358.4 1,736.0 +377.6 2 690.7 882.3 +191.6 3 499.4 603.7 +104.2 4 168.1 249.8 +81.7 5 (28.2) (35.0) (6.7) 6 815.4 927.0 +111.6 7 (Expense ratio) 60.0% 53.4% (6.6)ppt 8 542.9 809.0 +266.0 9 (46.9) (72.0) (25.1) 10 30.3 98.9 +68.6 11 31.5 103.4 +71.9 12 157.9 261.5 +103.6 13 24.2 20.5 (3.7) 14 708.5 1,117.9 +409.3 15 20.0 0.3 (19.7) 16 546.0 809.4 +263.3 17 ROE (JPX basis) 10.8% 14.4% +3.6ppt (\bn) FY25 1Q FY26 1Q Net operating profits Total credit costs Net gains (losses) on equity securities G&A expenses Gross profits (before credit costs for trust accounts) Net interest income Trust fees

• Net fees and commissions Net trading profits (losses)
• Net other operating profits Profits attributable to owners of parent Net gains (losses) on debt securities Equity in earnings of equity method investees Other non-recurring gains (losses) Ordinary profits (losses) Net extraordinary gains (losses) Net gains (losses) on sales of equity securities Progress 28% 30% Income Statement Summary Income Statement 【Consolidated】 Gross profits (FX impact: approx. ¥75.0bn) • Gross profits increased significantly by higher net interest income due to benefit of higher JPY interest rates and growth of loan balances, strong performance in fee income across solutions, lending-related businesses, and asset management in both domestic and overseas, as well as higher revenue in Sales & Trading G&A expenses (FX impact: approx. ¥35.0bn) • Despite higher expenses due to inflation, strategic expense allocation for the growth, and cybersecurity initiatives, growth in gross profits offset the increase resulting in an improved expense ratio Total credit costs • Increased due to rebound from the reversal of large loan loss provisions accounted in the previous year Equity in earnings of equity method investees • Increased significantly by strong performance of Morgan Stanley and etc. Profits attributable to owners of parent • Achieved record-high net income for the 1st quarter • Progress toward the full-year target of ¥2.7tn stands favorable at 30% 1 2 3 4 5 1 2 3 4 5

4 (Reference) Results by business group (1/2) CWM1 R&D1 1 Managerial accounting basis. Local currency basis 2 Domestic business only 3 Real estate 4 Includes real estate securitization, etc. JCIB1 GCIB1 FY25 1Q FY26 1Q YoY 195.3 252.8 +57.4 Loan and deposit interest income 88.9 122.2 +33.3 Domestic and foreign settlement / forex 25.4 26.1 +0.7 Derivatives, solutions 20.3 30.6 +10.3 RE3, corporate agency, inheritance 12.3 14.2 +2.0 Investment product sales 39.8 56.0 +16.3 110.2 122.2 +11.9 Expense ratio 56% 48% (8)ppt 85.1 130.6 +45.5 62.7 87.9 +25.1 (\bn) Gross profits Expenses Net operating profits Net income FY25 1Q FY26 1Q YoY 223.5 272.9 +49.4 Loan and deposit interest income 127.8 152.3 +24.5 Domestic and foreign settlement / forex 2 22.4 22.2 (0.1) Derivatives, solutions2 15.0 31.4 +16.4 RE3, corporate agency 17.2 20.8 +3.6 M&A・DCM･ECM*4 13.2 16.8 +3.6 Overseas Non-Interest income 22.3 23.3 +1.0 92.4 98.6 +6.3 Expense ratio 41% 36% (5)ppt 131.1 174.3 +43.2 116.9 139.4 +22.5 (\bn) Gross profits Expenses Net operating profits Net income FY25 1Q FY26 1Q YoY 177.7 222.3 +44.6 Loan and deposit interest income 87.1 104.1 +17.0 Commission 73.5 95.0 +21.5 Forex, derivatives 7.7 11.8 +4.1 DCM・ECM 7.1 8.5 +1.5 96.4 100.7 +4.3 Expense ratio 54% 45% (9)ppt 81.3 121.6 +40.3 63.9 81.1 +17.1 (\bn) Gross profits Expenses Net operating profits Net income 【Consolidated】 FY25 1Q FY26 1Q YoY 252.0 289.4 +37.4 Loan and deposit interest income 76.4 105.4 +29.0 Domestic and foreign settlement / forex 11.0 11.3 +0.3 Investment product sales 13.5 20.4 +6.8 Card settlement 60.7 63.4 +2.7 Consumer finance 79.9 83.1 +3.2 188.0 207.4 +19.3 Expense ratio 75% 72% (3)ppt 64.0 82.0 +18.0 22.9 23.4 +0.4 (\bn) Gross profits Expenses Net operating profits Net income

5 (Reference) Results by business group (2/2) AM/IS1 GCB1,2 *1 Managerial accounting basis. Local currency basis 2 KS: After GAAP adjustment. Includes only figures attributable to GCB and excludes figures attributable to other business groups. BDI: Entity basis Global Markets1 FY25 1Q FY26 1Q YoY 125.2 134.4 +9.2 AM 36.4 37.8 +1.4 IS 68.7 73.8 +5.0 Pension 20.0 22.8 +2.8 91.0 96.6 +5.6 Expense ratio 73% 72% (1)ppt 34.2 37.8 +3.6 23.0 24.9 +2.0 (\bn) Gross profits Expenses Net operating profits Net income FY25 1Q FY26 1Q YoY 163.6 271.5 +107.9 Sales & trading 79.6 99.7 +20.1 Treasury 72.7 170.0 +97.3 71.1 75.6 +4.5 Expense ratio 43% 28% (16)ppt 92.6 195.9 +103.3 Sales & trading 21.9 38.6 +16.7 Treasury 59.8 156.0 +96.2 81.7 128.7 +47.1 Net income Gross profits Expenses Net operating profits (\bn) FY25 1Q FY26 1Q YoY 159.8 169.7 +9.9 KS 118.2 126.4 +8.3 BDI 37.8 45.4 +7.5 89.4 96.5 +7.1 56% 57% +1ppt KS 57.7 63.9 +6.2 (Expense ratio) 49% 51% +2ppt BDI 21.3 24.2 +2.9 (Expense ratio) 56% 53% (3)ppt 70.4 73.2 +2.8 KS 60.4 62.5 +2.1 BDI 16.5 21.2 +4.6 24.5 34.0 +9.5 KS 20.5 18.5 (2.0) BDI 5.8 8.6 +2.8 (\bn) Gross profits Expenses Net operating profits Net income (Expense ratio) 【Consolidated】

6 (Reference) Breakdown by Entity Breakdown of Net Income1 Financial Summary of Major Entities2 *1 The figures reflect the percentage holding in each subsidiary and equity method investee *2 Figures except the Bank and the Trust Bank are approx. and before consolidation adjustments. The equity holding ratio of MUFG is not reflected in net income (ACOM: Approx. 39.6%, KS: Approx. 76.9%, BDI: Approx. 92.5％) *3 YoY figures include an increase in income taxes – deferred toward profit side as a result of a change in the company classification relating to the recoverability of deferred tax assets (¥bn) (\bn) FY26 FY26 FY26 1Q YoY 1Q YoY 1Q YoY Gross profits 961.1 +280.9 126.0 +38.4 90.4 +11.6 NOP 540.7 +220.6 65.9 +32.5 31.6 +25.9 Net income 485.1 +170.1 60.4 +23.7 24.8 +16.5 (\bn) FY26 FY26 FY26 1Q YoY 1Q YoY 1Q YoY Gross profits 14.9 +3.3 64.3 +2.5 76.9 +4.7 NOP 7.0 +2.5 11.5 +7.5 50.3 +4.3 Net Income 5.0 +1.6 1.1 +5.0 19.1 (14.9) (\bn) FY26 FY26 FY26 1Q YoY 1Q YoY 1Q YoY Gross profits 191.3 +31.0 56.2 +11.0 21.7 +0.6 NOP 90.3 +13.6 24.1 +6.0 2.2 (2.1) Net Income 35.6 +1.5 10.4 +3.6 2.6 (0.5) KS BDI FSG the Bank the Trust Bank the Securities HD MUAM NICOS ACOM 【Consolidated】 *3 *4 the Bank 485.1 the Trust Bank 60.4 the Securities HD 24.8 MUAM 5.0 NICOS 1.1 ACOM 7.5 KS 27.3 BDI 9.6 FSG 2.6 MS 222.2 Other (36.7) MUFG 809.4

7 92.7 93.6 94.1 94.0 94.2 94.8 83.5 86.2 82.9 84.4 91.0 87.1 47.7 48.6 47.6 48.7 54.1 54.9 224.0 228.5 224.7 227.2 239.4 236.9 24/3 25/3 25/6 25/9 26/3 26/6 14.2 14.2 14.3 14.3 14.4 14.4 52.1 52.2 53.9 54.5 60.1 61.5 2.6 7.9 7.6 5.5 3.4 0.7 46.8 46.3 46.2 48.4 55.5 57.3 2.4 2.0 1.8 1.9 1.6 1.7 118.3 122.9 124.0 124.8 135.2 135.7 24/3 25/3 25/6 25/9 26/3 26/6 Balance Sheet Summary Overview of Balance Sheet Housing Loans Corporates2 Governments, etc. Overseas3 Others Individuals6 Corporates, etc.6 Overseas7 Loans (Period End Balance)1 Deposits (Period End Balance) (¥tn) (¥tn) Overseas: +¥1.7tn from End Mar 26 (+¥1.0tn excluding FX impact) Overseas: +¥0.7tn from End Mar 26 (¥(0.0)tn excluding FX impact) (\tn) Total Assets 61.5 94.8 57.3 87.1 0.7 54.9 30.6 32.0 63.3 Deposits Others Net Assets 24.1 (2.5) +0.7 (3.8) +0.6 135.7 236.9 +0.5 +4.2 +0.4 209.9 Foreign bonds Domestic bonds BOJ current account5 (6.0) (0.7) +2.0 (0.7) Others 433.9 +2.1 172.7 Governments, etc. Overseas3 Corporates2 (2.7) +1.7 +1.4 Investment Securities4 Loans1 Overseas7 Corporates, etc.6 Individuals6 88.1 +2.4 vs End Mar 26 vs End Mar 26 As of End Jun 26 【Consolidated】 *1 Banking + trust accounts *2 Domestic only. Excludes loans to governments and governmental institutions and includes foreign currency-denominated loans *3 Loans booked in overseas branches, MUAH, KS, BDI, the Bank (China), the Bank (Malaysia) and the Bank (Europe) *4 Banking accounts *5 Non-consolidated + The Master Trust Bank of Japan *6 Non-consolidated. Domestic only *7 Overseas and others vs End Mar 26

8 Domestic Corporate Lending Spreads2,4,5 Domestic Deposit / Lending Rates4,5 Loan Balance (Period End Balance)1 1.13% 1.18% 1.20% 1.32% 1.47% 0.95% 0.99%0.99% 1.05%1.16% 0.17%0.19%0.20%0.26%0.30% 0.0% 0.4% 0.8% 1.2% 1.6% 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q Lending rate Differences in yield between Lending rate and Deposit rate Deposit rate 【Consolidated / Non-Consolidated】 (¥tn) ¥(1.3)tn from end Mar.26 SMEs2,3 Governments, etc. Large Corporates*2 Housing loans 2023 2024 2025 2026 2023 2024 2025 2026 0.64% 0.65%0.64% 0.65% 0.68% 0.62% 0.65%0.65% 0.65% 0.68% 0.5% 0.6% 0.7% 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q SME Large corporate *6 *1 Banking + trust accounts *2 Includes foreign currency-denominated loans *3 Domestic loans to small / medium-sized companies and proprietors, excluding domestic consumer loans *4 Excludes loans to government and governmental institutions *5 On a managerial accounting basis. Non-consolidated *6 Excludes the impact of collective recording of interest received at fiscal year-end of FY23, FY24 and FY25 via subsidized interest payment programs *7 Figures have been retrospectively adjusted to exclude previously accrued interest following the change to non-accrual treatment in FY25 3Q *7 Domestic Loans 14.2 14.2 14.3 14.3 14.4 14.4 26.0 27.2 27.2 27.8 31.0 30.6 26.1 25.0 26.6 26.7 29.1 30.9 2.6 7.9 7.6 5.5 3.4 0.7 69.1 74.5 75.8 74.4 78.1 76.7 24/3 25/3 25/6 25/9 26/3 26/6

9 1.40%1.39% 1.40%1.40% 1.39% 1.1% 1.2% 1.3% 1.4% 1.5% 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q Overseas Loans Overseas Deposit / Lending Rates Overseas Lending Spreads3,5 4.19%4.51% 4.71% 4.61%4.65% 1.74%1.80%1.75% 1.78%1.78% 7.9% 7.7% 7.5% 7.3% 7.6% 0.0% 2.0% 4.0% 6.0% 8.0% 10.0% 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q BDI: Net interest margin KS: Net interest margin Non-Consolidated: Differences in yield between Lending rate and Deposit rate3 *2 Loan Balance (Period End Balance) 【Consolidated / Non-Consolidated】 (¥tn) q *1,4 +¥1.7tn from end Mar.26 (+¥1.0tn excluding FX impact) Americas EMEA Asia / Oceania KS BDI 2023 2024 2025 2026 2023 2024 2025 2026 *1 Financial results as disclosed in BDIʼs financial reports based on Indonesia GAAP *2 Financial results as disclosed in KSʼs financ