MUFG(US:MUFG)2026-02-04 11:02Financial Performance - For the nine months ended December 31, 2025, ordinary income was 10,643,805 million yen, representing a 3.6% increase from the previous year[9]. - Profits attributable to owners of the parent for the same period were 1,813,508 million yen, up 3.7% year-over-year[9]. - Comprehensive income for the nine months ended December 31, 2025, was 2,188,784 million yen, a 30.0% increase compared to 1,684,256 million yen in the previous year[10]. - Net revenue for the nine months ended December 31, 2025, was ¥4,476,675 million, an increase from ¥4,114,850 million in the previous year, marking a growth of 8.80%[34]. - Operating profit for the nine months ended December 31, 2025, was ¥1,872,631 million, compared to ¥1,694,227 million for the same period in 2024, reflecting an increase of 10.52%[37]. - The company reported extraordinary gains of ¥47,102 million for the nine months ended December 31, 2025, compared to ¥11,692 million in the previous year, showing a significant increase[23]. - Gross profits for the nine months ended December 31, 2025, increased to ¥4,469,142 million, an increase of ¥347,756 million compared to ¥4,121,385 million for the same period in 2024[55]. - Net interest income for the same period was ¥2,193,334 million, reflecting an increase of ¥19,268 million from ¥2,174,066 million in the previous year[55]. - Gross profits for the nine months ended December 31, 2025, increased to ¥2,466,492 million, up by ¥338,994 million or 15.9% from ¥2,127,497 million in the previous year[56]. - Net income decreased to ¥1,011,201 million, down by ¥101,576 million or 9.1% from ¥1,112,778 million in the previous year[56]. Assets and Liabilities - Total assets as of December 31, 2025, were 418,107,863 million yen, an increase from 413,113,501 million yen as of March 31, 2025[11]. - Total liabilities and net assets as of March 31, 2025, were ¥413,113,501 million, slightly down from ¥418,107,863 million as of December 31, 2025[22]. - Total loans as of December 31, 2025, amounted to ¥147,945,560 million, with a non-performing loans ratio of 0.98%, down from 1.11% as of March 31, 2025[59]. - Total deposits for BK and TB Combined reached ¥219,251,820 million as of December 31, 2025, an increase from ¥215,970,679 million as of March 31, 2025[76]. - Total deposits for TB Non-consolidated increased to ¥14,863,707 million as of December 31, 2025, from ¥13,257,880 million as of March 31, 2025[78]. Shareholder Information - The company has set an earnings target of 2,100.0 billion yen for profits attributable to owners of the parent for the fiscal year ending March 31, 2026[13]. - The total number of outstanding shares as of December 31, 2025, was 11,867,710,920 shares, down from 12,067,710,920 shares as of March 31, 2025[15]. - The company plans to pay a year-end dividend of 39.00 yen per share, bringing the total forecasted dividend for the fiscal year ending March 31, 2026, to 74.00 yen[12]. Credit and Risk Management - The provision for general allowance for credit losses decreased to ¥44,568 million from ¥72,070 million, a reduction of ¥27,501 million[55]. - Total credit costs for the period amounted to ¥219,794 million, down from ¥251,003 million, showing a decrease of ¥31,208 million[55]. - The recorded allowance for credit losses as of December 31, 2025, included adjustments of ¥15,499 million due to uncertain business environments, particularly related to the Russia-Ukraine situation[45]. - Significant assumptions regarding credit losses are subject to high uncertainty, particularly concerning the economic environment and geopolitical situations[47]. Market and Investment Performance - The net unrealized gains on available-for-sale securities improved to ¥543,094 million for the nine months ended December 31, 2025, from a loss of ¥502,465 million in the previous year[24]. - The net gains on equity securities were reported at ¥183,322 million, a significant decrease of ¥304,854 million from ¥488,176 million in the previous year[55]. - Net operating profits before credit costs for trust accounts and provision for general allowance for credit losses were ¥1,905,917 million, up by ¥191,230 million from ¥1,714,687 million[55]. Operational Metrics - Average interest rate on loans and bills discounted for BK Non-consolidated rose to 1.11% for the nine months ended December 31, 2025, up from 0.83% for the same period in 2024[74]. - Average interest rate spread for BK and TB Combined improved to 0.92% for the nine months ended December 31, 2025, compared to 0.78% for the same period in 2024[73]. - Non-performing loans ratio for BK Non-consolidated decreased to 0.57% as of December 31, 2025, from 0.72% as of March 31, 2025[61].