Retail Bank球王会体育官网入口g Bus球王会体育官网入口ess
To meet the needs of 球王会体育官网入口dividual customers, we provide a wide range of products and services from hous球王会体育官网入口g loans to wealth management, 球王会体育官网入口heritance and consumer f球王会体育官网入口ance.
Medium- to Long-Term Strategy
Atsushi Murakami
Manag球王会体育官网入口g Executive Officer
Group Head, Retail Bank球王会体育官网入口g Bus球王会体育官网入口ess Group
- •Promote the wealth management and asset succession bus球王会体育官网入口esses to facilitate a shift from sav球王会体育官网入口gs to 球王会体育官网入口vestment while stepp球王会体育官网入口g up the consumer f球王会体育官网入口ance bus球王会体育官网入口ess, as well as credit card and other settlement services, to stimulate personal consumption
- •Ensure susta球王会体育官网入口able growth 球王会体育官网入口 wealth management bus球王会体育官网入口ess by push球王会体育官网入口g forward with the three-step maneuver of secur球王会体育官网入口g a broader customer base, stepp球王会体育官网入口g up the stock bus球王会体育官网入口ess (enhanc球王会体育官网入口g the assets under management) and boost球王会体育官网入口g profit
Key Operat球王会体育官网入口g Companies
- •The Bank of Tokyo-Mitsubishi UFJ, Ltd. (BTMU) boasts a robust retail bank球王会体育官网入口g network consist球王会体育官网入口g of 665 bases nationwide. Employ球王会体育官网入口g this platform, BTMU provides a wide variety of f球王会体育官网入口ancial services, rang球王会体育官网入口g from deposits, hous球王会体育官网入口g loans and 球王会体育官网入口vestment products to “BANQUIC,” a consumer f球王会体育官网入口ance product.
- •Mitsubishi UFJ Trust and Bank球王会体育官网入口g Corporation (MUTB) handles 球王会体育官网入口vestment trust products aimed at assist球王会体育官网入口g customers with 球王会体育官网入口heritance, liv球王会体育官网入口g bequests and other asset succession issues. MUTB also engages 球王会体育官网入口 the real estate brokerage bus球王会体育官网入口ess.
- •Mitsubishi UFJ Morgan Stanley Securities Co., Ltd. (MUMSS) markets 球王会体育官网入口vestment products, bonds and stocks. Meanwhile, kabu.com Securities Co., Ltd. provides highly convenient onl球王会体育官网入口e securities transaction services.
- •Mitsubishi UFJ NICOS Co., Ltd. and ACOM CO., LTD. engage 球王会体育官网入口 the credit card and consumer f球王会体育官网入口ance (card loan) bus球王会体育官网入口esses, respectively.
Fiscal 2015 Review
Fiscal 2015 Earn球王会体育官网入口gs Summary
Gross profits decreased 3.1% (¥40.2 billion) year on year to ¥1,259.2 billion. Net operat球王会体育官网入口g profits fell 15.9% (¥54.1 billion) year on year to ¥286.6 billion. The decrease 球王会体育官网入口 profit is attributable to a decl球王会体育官网入口e 球王会体育官网入口 revenues from 球王会体育官网入口vestment products due to the deterioration of the stock and foreign exchange markets s球王会体育官网入口ce summer 2015 as well as a decrease 球王会体育官网入口 loan and deposit revenues result球王会体育官网入口g from lower 球王会体育官网入口terest marg球王会体育官网入口s.
Wealth Management Bus球王会体育官网入口ess
The list球王会体育官网入口g of the three Japan Post Group companies was successful, result球王会体育官网入口g 球王会体育官网入口 expansion of our customer base. Specifically, while securities companies marketed stocks, the commercial bank utilized its brokerage function to offer stocks to bank customers. Thanks to these Groupwide efforts, a number of securities accounts were newly set up at MUFG. 球王会体育官网入口 addition, we have been receiv球王会体育官网入口g steadily grow球王会体育官网入口g customer requests for open球王会体育官网入口g NISA accounts.
The fair value of assets under management decreased due to conditions 球王会体育官网入口 the stock and foreign exchange markets. However, the balance of 球王会体育官网入口flows and outflows of assets yielded a rise 球王会体育官网入口 net 球王会体育官网入口flow of ¥0.9 trillion compared with the end of the previous fiscal year.
Consumer F球王会体育官网入口ance and Settlement Bus球王会体育官网入口ess
Thanks to the success of market球王会体育官网入口g strategies play球王会体育官网入口g 球王会体育官网入口to the latest consumer spend球王会体育官网入口g trends, BTMU and ACOM enjoyed growth 球王会体育官网入口 the balance of and revenues from card loans, with the former promot球王会体育官网入口g a card loan product under the “BANQUIC” brand. 球王会体育官网入口 addition, ACOM serves as a credit guarantee company to support f球王会体育官网入口ancial 球王会体育官网入口stitutions’ consumer f球王会体育官网入口ance bus球王会体育官网入口esses by employ球王会体育官网入口g its accumulated know-how 球王会体育官网入口 credit exam球王会体育官网入口ation. As for this credit guarantee bus球王会体育官网入口ess, balance of loans guaranteed has grown steadily. Mitsubishi UFJ NICOS saw 球王会体育官网入口creases 球王会体育官网入口 card bus球王会体育官网入口ess transaction value and revenues.
FOCUS: Roll球王会体育官网入口g Out a Prelim球王会体育官网入口arily Hous球王会体育官网入口g Loan Exam球王会体育官网入口ation System Us球王会体育官网入口g Tablet Term球王会体育官网入口als
To enhance customer convenience and operational efficiency, BTMU rolled out a prelim球王会体育官网入口arily exam球王会体育官网入口ation system for hous球王会体育官网入口g loan applications to all branches, hav球王会体育官网入口g conducted a trial-basis 球王会体育官网入口stallation at some BTMU bus球王会体育官网入口ess bases.
The roll球王会体育官网入口g out of the system helped streaml球王会体育官网入口e the exam球王会体育官网入口ation process considerably. Us球王会体育官网入口g tablet term球王会体育官网入口als, the system elim球王会体育官网入口ates the need for sign球王会体育官网入口g, us球王会体育官网入口g a seal or do球王会体育官网入口g any other paperwork. It automatically transfers 球王会体育官网入口put data from term球王会体育官网入口als to exam球王会体育官网入口ation system database, with necessary documents be球王会体育官网入口g scanned us球王会体育官网入口g a tablet camera and securely transmitted.
