三菱日联金融 2025年年度报告和过渡报告

KABUSHIKI KAISHA MITSUBISHI UFJ FINANCIAL GROUP (Translation of Registrant’s name into English)Japan(Jurisdiction of incorporation or organization)4-5, Marunouchi 1-chomeChiyoda-ku,Tokyo100-8330Japan(Address of principal executive offices) TABLE OF CONTENTS PageForward-Looking Statements3Item 1.Identity of Directors, Senior Management and Advisers5Item 2.Offer Statistics and Expected Timetable5Item 3.Key Information5Item 4.Information on the Company18Item 4A.Unresolved Staff Comments50Item 5.Operating and Financial Review and Prospects50Item 6.Directors, Senior Management and Employees100Item 7.Major Shareholders and Related Party Transactions122Item 8.Financial Information123Item 9.The Offer and Listing124Item 10.Additional Information125Item 11.Quantitative and Qualitative Disclosures about Credit, Market and Other Risk134Item 12.Description of Securities Other than Equity Securities153Item 13.Defaults, Dividend Arrearages and Delinquencies155Item 14.Material Modifications to the Rights of Security Holders and Use of Proceeds155Item 15.Controls and Procedures155Item 16A.Audit Committee Financial Expert158Item 16B.Code of Ethics158Item 16C.Principal Accountant Fees and Services158Item 16D.Exemptions from the Listing Standards for Audit Committees159Item 16E.Purchases of Equity Securities by the Issuer and Affiliated Purchasers159Item 16F.Change in Registrant’s Certifying Accountant160Item 16G.Corporate Governance160Item 16H.Mine Safety Disclosure161Item 16IDisclosure Regarding Foreign Jurisdictions That Prevent Inspections161Item 16JInsider Trading Policies161Item 16KCybersecurity161Item 17.Financial Statements164Item 18.Financial Statements164Item 19.Exhibits164Selected Statistical DataA-1Consolidated Financial StatementsF-1 For purposes of this Annual Report, we have presented our consolidated financial statements in accordance with accounting principlesgenerally accepted in the United States, or U.S. GAAP, except for risk-adjusted capital ratios, capital components, risk-weighted assets,business segment financial information and some other specifically identified information. In this Annual Report, unless otherwise indicated or the context otherwise requires, all figures are rounded to the figures shown except forthe capital ratios, capital components, risk-weighted assets, leverage ratios, liquidity coverage ratios and net stable funding ratios of MUFG andits domestic subsidiaries, which are rounded down and truncated to the figures shown. In some cases, figures presented in tables are adjusted tomatch the sum of the figures with the total amount, and such figures are also referred to in the related text. When we refer in this Annual Report to “MUFG,” “we,” “us,” “our,” the "MUFG Group" and the “Group,” we generally meanMitsubishi UFJ Financial Group, Inc. and its consolidated subsidiaries, but from time to time as the context requires, we mean Mitsubishi UFJFinancial Group, Inc. as an individual legal entity. In addition, our “commercial banking subsidiaries” refers to MUFG Bank, Ltd. and, as thecontext requires, its consolidated subsidiaries engaged in the commercial banking business. Our “trust banking subsidiaries” refers toMitsubishi UFJ Trust and Banking Corporation and, as the context requires, its consolidated subsidiaries Table of Contents engaged in the trust banking business. Our “banking subsidiaries” refers to MUFG Bank and Mitsubishi UFJ Trust and Banking and, as thecontext requires, their respective consolidated subsidiaries engaged in the banking business. Our “securities subsidiaries” refers to MitsubishiUFJ Securities Holdings Co., Ltd., and, as the context requires, its consolidated subsidiaries engaged in the securities business. References to “MUAH” are to MUFG Americas Holdings Corporation, as a single entity, as well as to MUFG Americas Holdings and itsconsolidated subsidiaries, as the context requires. References to “Krungsri” are to Bank of Ayudhya Public Company Limited, as a single entity, as well as to Bank of Ayudhya PublicCompany Limited and its consolidated subsidiaries, as the context requires. References to “Bank Danamon” are to PT Bank Danamon Indonesia, Tbk., as a single entity, as well as to PT Bank Danamon Indonesia,Tbk. and its consolidated subsidiaries, as the context requires. References to “First Sentier Investors” are to First Sentier Investors Holdings Pty Ltd., as a single entity, as well as to First SentierInvestors Holdings Pty Ltd. and its consolidated subsidiaries, as the context requires. References to the “FSA” are to the Financial Services Agency, an agency of the Cabinet Office of Japan. Our fiscal year ends on March 31 of each year. References to years not specified as being fiscal years are to calendar years. Forward-Looking Statements We may from time to time make written or oral forward-looking statements. Written forward-looking statements may appear indocuments filed with, or submitted to, the U.S. Securities and Exchange Commiss