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Mitsubishi UFJ Financial Group Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary18 Nov, 2025
Executive summary
Net operating profits for 1H FY2025 reached ¥1,287.0bn, up ¥61.3bn year-over-year, driven by higher net interest income, fee revenues, and strong customer segment performance despite Asian economic slowdown.
Profits attributable to owners of parent rose 2.8% year-over-year to ¥1,292.9bn, a record high for the first half, with 64.6% progress toward the full-year target.
Upward revision of net income target by ¥100bn to ¥2.1 trillion for FY2025, reflecting robust customer segment results and higher equity method investee income.
Ordinary income for the six months ended September 30, 2025, was ¥6,893.8bn, up 0.5% year-over-year.
Comprehensive income declined 15.0% year-over-year to ¥1,123.0bn.
Financial highlights
Gross profits increased to ¥2,935.7bn, up ¥23.9bn year-over-year, supported by higher JPY interest rates, improved lending spreads, and bond portfolio rebalancing.
Net fees and commissions expanded significantly, supported by acquisitions and growth in solution services.
G&A expenses increased by ¥127.9bn due to inflation, acquisitions, and strategic spending, but the expense ratio remained flat at 56.1%.
Net gains on equity securities fell by ¥235.3bn due to prior year’s large sales, but equity in earnings of investees, especially Morgan Stanley, rose sharply.
Credit costs decreased significantly due to reversals and rebounds from prior year’s large credit costs.
Outlook and guidance
Full-year net income target revised up to ¥2.1 trillion, with annual dividend forecast increased to ¥74 and share repurchase totaling ¥500bn.
CET1 ratio expected to remain around 10–10.8% by fiscal year-end, balancing growth investments and shareholder returns.
Continued focus on achieving mid- to long-term ROE target of 12%.
Total payout ratio projected at 64.0%.
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Next Mitsubishi UFJ Financial Group earnings date
Q3 20263 Feb, 2026
Next Mitsubishi UFJ Financial Group earnings date
Q3 20263 Feb, 2026
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Frequently asked questions
Mitsubishi UFJ Financial Group, Inc. engages in the provision of banking services. It operates through the following segments: Banking, Trust, Leasing and Others. The Banking segment offers deposits, loans and leasing, remittance, agency business and international corporate banking services. The Trust segment provides investment trust product planning and intermediary sales, fiduciary transactions and services, various employee benefit-linked financial transactions and investment advisory/management services. The Leasing segment as financial leasing business in which it funds the principal portion of leases by borrowing funds on its own account through medium term notes and notes issued with guarantees. The Others segment refers to corporate operations support divisional activities. The company was founded on January 1, 2006 and is headquartered in Tokyo, Japan.
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