三菱日联金融 2026年年度报告和过渡报告

KABUSHIKI KAISHA MITSUBISHI UFJ FINANCIAL GROUP(Exact name of Registrant as specified in its charter)MITSUBISHI UFJ FINANCIAL GROUP, INC.( Translation of Registrant’s name into English)Japan(Jurisdiction of incorporation or organization)4-5, Marunouchi 1-chomeChiyoda-ku, Tokyo 100-8330Japan(Address of principal executive offices)Masahisa Takahashi, +81-3-3240-8111, usgaap_reporting@mufg.jp, 4-5, Marunouchi 1-chome, Chiyoda-ku, Tokyo 100-8212, Japan(Name, Telephone, Email and/or Facsimile number and Address of Company Contact Person)Securities registered or to be registered pursuant to Section 12(b) of the Act: 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 Employees95Item 7.Major Shareholders and Related Party Transactions117Item 8.Financial Information118Item 9.The Offer and Listing119Item 10.Additional Information120Item 11.Quantitative and Qualitative Disclosures about Credit, Market and Other Risk129Item 12.Description of Securities Other than Equity Securities148Item 13.Defaults, Dividend Arrearages and Delinquencies150Item 14.Material Modifications to the Rights of Security Holders and Use of Proceeds150Item 15.Controls and Procedures150Item 16A.Audit Committee Financial Expert152Item 16B.Code of Ethics152Item 16C.Principal Accountant Fees and Services152Item 16D.Exemptions from the Listing Standards for Audit Committees153Item 16E.Purchases of Equity Securities by the Issuer and Affiliated Purchasers153Item 16F.Change in Registrant’s Certifying Accountant154Item 16G.Corporate Governance154Item 16H.Mine Safety Disclosure155Item 16I.Disclosure Regarding Foreign Jurisdictions That Prevent Inspections155Item 16J.Insider Trading Policies155Item 16K.Cybersecurity155Item 17.Financial Statements158Item 18.Financial Statements158Item 19.Exhibits158Selected 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 exceptfor the amounts and ratios calculated in accordance with Japanese banking regulations based on information derived from the financialstatements of MUFG and its domestic subsidiaries prepared in accordance with accounting principles generally accepted in Japan, or JapaneseGAAP, such as the capital ratios, capital components, risk-weighted assets, leverage ratios, liquidity coverage ratios and net stable fundingratios of MUFG and its domestic subsidiaries as well as the total loss-absorbing capacity ratios of MUFG, which are rounded down andtruncated to the figures shown. In some cases, figures presented in tables are adjusted to match the sum of the figures with the total amount, andsuch 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 Table of Contents Bank, Ltd. and, as the context requires, its consolidated subsidiaries engaged in the commercial banking business. Our “trust bankingsubsidiaries” refers to Mitsubishi UFJ Trust and Banking Corporation and, as the context requires, its consolidated subsidiaries engaged in thetrust banking business. Our “banking subsidiaries” refers to MUFG Bank and Mitsubishi UFJ Trust and Banking and, as the context requires,their respective consolidated subsidiaries engaged in the banking business. Our “securities subsidiaries” refers to Mitsubishi UFJ SecuritiesHoldings 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 subsid