Bond MITSUBISHI UFJ FG Inc. 3.287% ( US606822AR58 ) in USD

Issuer MITSUBISHI UFJ FG Inc.
Market price refresh price now   100 %  ▲ 
Country  Japan
ISIN code  US606822AR58 ( in USD )
Interest rate 3.287% per year ( payment 2 times a year)
Maturity 25/07/2027



Prospectus brochure of the bond MITSUBISHI UFJ FINANCIAL GROUP INC US606822AR58 en USD 3.287%, maturity 25/07/2027


Minimal amount 2 000 USD
Total amount 1 000 000 000 USD
Cusip 606822AR5
Standard & Poor's ( S&P ) rating A- ( Upper medium grade - Investment-grade )
Moody's rating A1 ( Upper medium grade - Investment-grade )
Next Coupon 25/07/2026 ( In 166 days )
Detailed description Mitsubishi UFJ Financial Group, Inc. (MUFG) is a leading global financial group offering a diverse range of financial services, including banking, securities, and asset management, with a significant presence in Japan and internationally.

The Bond issued by MITSUBISHI UFJ FG Inc. ( Japan ) , in USD, with the ISIN code US606822AR58, pays a coupon of 3.287% per year.
The coupons are paid 2 times per year and the Bond maturity is 25/07/2027

The Bond issued by MITSUBISHI UFJ FG Inc. ( Japan ) , in USD, with the ISIN code US606822AR58, was rated A1 ( Upper medium grade - Investment-grade ) by Moody's credit rating agency.

The Bond issued by MITSUBISHI UFJ FG Inc. ( Japan ) , in USD, with the ISIN code US606822AR58, was rated A- ( Upper medium grade - Investment-grade ) by Standard & Poor's ( S&P ) credit rating agency.







PROSPECTUS SUPPLEMENT
(To prospectus dated February 10, 2016)
MUFG
Mitsubishi UFJ Financial Group, Inc.
$1,000,000,000 Floating Rate Senior Notes due July 25, 2022
$2,000,000,000 2.665% Senior Notes due July 25, 2022
$1,000,000,000 3.287% Senior Notes due July 25, 2027
Mitsubishi UFJ Financial Group, Inc., or MUFG, expects to issue the above-listed senior notes, collectively the Notes, pursuant
to a senior indenture, dated March 1, 2016, or the Indenture. MUFG Securities Americas Inc. and other broker-dealers may use
this prospectus supplement and the accompanying prospectus in connection with market-making transactions in the Notes
after their initial sale.
The floating rate senior notes due July 25, 2022, or the 5-year floating rate notes, will bear interest commencing July 25, 2017
at a floating rate, payable quarterly in arrears on January 25, April 25, July 25 and October 25 of each year, subject to
adjustments, with the first interest payment to be made on October 25, 2017. The interest rate on the 5-year floating rate notes
for each interest period will be a per annum rate equal to three-month U.S. dollar LIBOR plus 0.79%. Each of the fixed rate
senior notes due July 25, 2022, or the 5-year fixed rate notes, and the fixed rate senior notes due July 25, 2027, or the 10-year
fixed rate notes, collectively the fixed rate notes, will bear interest commencing July 25, 2017 at a per annum rate listed above,
payable semi-annually in arrears on January 25 and July 25 of each year, with the first interest payment to be made on
January 25, 2018.
The Notes are intended to qualify as total loss-absorbing capacity, or TLAC, debt upon the implementation of applicable TLAC
regulations in Japan. The Notes will be our senior unsecured obligations and will rank senior to all of our existing and future
subordinated debt, will rank equally in right of payment with all of our existing and future unsecured and unsubordinated debt (except
for statutorily preferred exceptions) and will be effectively subordinated to any secured indebtedness we incur, to the extent of the
value of the assets securing the same. See "Risk Factors--Risks Related to the Senior Debt Securities--The senior debt securities will
be structurally subordinated to the liabilities of MUFG's subsidiaries, including BTMU and MUTB." and other risk factors in the same
section included in the accompanying prospectus, and "Description of Senior Debt Securities" in the accompanying prospectus.
We may at our option redeem a series of Notes in whole, but not in part, at 100% of their principal amount plus any accrued and
unpaid interest to (but excluding) the date of redemption upon the occurrence of certain tax events, subject to certain conditions. See
"Description of Senior Debt Securities" in the accompanying prospectus.
We have made an application to the Luxembourg Stock Exchange to list the Notes on the official list of the Luxembourg Stock
Exchange and for the Notes to be admitted to trading on the Luxembourg Stock Exchange's Euro MTF Market. The Luxembourg Stock
Exchange's Euro MTF Market is not a regulated market for the purposes of Directive 2004/39/EC of the European Parliament and of
the Council on markets in financial instruments. This prospectus supplement with the accompanying prospectus constitutes the
listing prospectus for purposes of Part IV of the Luxembourg law on prospectus for securities dated July 10, 2005, as amended. This
prospectus supplement and the accompanying prospectus may be used only for the purposes for which it has been published, and does
not constitute a prospectus for the purposes of the Prospectus Directive (Directive 2003/71/EC).
Investing in the Notes involves risks. See "Risk Factors" beginning on page 6 of the accompanying prospectus and as
incorporated by reference herein.
Neither the U.S. Securities and Exchange Commission, or the SEC, nor any state securities regulators has approved or disapproved
these securities or determined if this prospectus supplement or the accompanying prospectus is truthful or complete. Any
representation to the contrary is a criminal offense.
These securities are not deposits or savings accounts. These securities are not insured by the U.S. Federal Deposit Insurance
Corporation, or the FDIC, or any other governmental agency or instrumentality.
Underwriting Discounts
Proceeds to us
Price to Public(1)
and Commissions(2)
(before expenses)(1)
Per Floating Rate Note due 2022 . . . . . . . . . . . . . . . . . . . . . . . . . . . .
100.000%
0.350%
99.650%
Total Floating Rate Notes due 2022 . . . . . . . . . . . . . . . . . . . . . . . . .
$1,000,000,000
$3,500,000
$ 996,500,000
Per Fixed Rate Note due 2022 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
100.000%
0.350%
99.650%
Total Fixed Rate Notes due 2022 . . . . . . . . . . . . . . . . . . . . . . . . . . . .
$2,000,000,000
$7,000,000
$1,993,000,000
Per Fixed Rate Note due 2027 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
100.000%
0.450%
99.550%
Total Fixed Rate Notes due 2027 . . . . . . . . . . . . . . . . . . . . . . . . . . . .
$1,000,000,000
$4,500,000
$ 995,500,000
(1) Plus accrued interest, if any, after July 25, 2017.
(2) For additional underwriting compensation information, see "Underwriting (Conflicts of Interest)."
The Notes are expected to be delivered to purchasers in book-entry form only through the facilities of The Depository Trust
Company, or DTC, for the accounts of its participants on or about July 25, 2017.
Joint Lead Managers and Joint Bookrunners
MORGAN STANLEY
MUFG
CITIGROUP
BofA Merrill Lynch
(5-year floating and fixed rate notes)
(10-year fixed rate notes)
Senior Co-Managers
CITI GROUP
HSBC
J.P. Morgan
BofA Merrill Lynch
(10-year fixed rate notes)
(5-year floating and fixed rate notes)
Co-Managers
BNP PARIBAS
Cre´dit Agricole CIB
Credit Suisse
ING
Natixis
Nomura
RBC Capital Markets
Socie´te´ Ge´ne´rale Corporate &
Investment Banking
The date of this prospectus supplement is July 18, 2017


TABLE OF CONTENTS
Page
About This Prospectus Supplement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
ii
Forward-Looking Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
iv
Where You Can Obtain More Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
iv
Incorporation of Documents by Reference . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
v
Summary: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
S-1
Floating Rate Senior Notes due 2022 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
S-5YRFL
2.665% Senior Notes due 2022 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
S-5YRFX
3.287% Senior Notes due 2027 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
S-10YRFX
General Terms of the Notes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
S-GEN-1
Use of Proceeds . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
SP-1
Capitalization and Indebtedness . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
SP-2
Japanese Taxation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
SP-4
Underwriting (Conflicts of Interest) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
SP-9
Listing and General Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
SP-17
Legal Matters . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
SP-18
Independent Registered Public Accounting Firm . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
SP-18
About This Prospectus . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3
Forward-Looking Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4
Mitsubishi UFJ Financial Group, Inc. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
5
Risk Factors . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
6
Consolidated Ratio of Earnings to Fixed Charges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
12
Use of Proceeds . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
13
Selected Financial Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
14
Capitalization and Indebtedness . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
19
Description of Senior Debt Securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
20
Taxation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
37
Certain ERISA and Other Considerations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
46
Underwriting (Conflicts of Interest) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
48
Legal Matters . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
50
Independent Registered Public Accounting Firm . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
50
Where You Can Obtain More Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
50
Incorporation of Documents by Reference . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
50
Limitation on Enforcement of U.S. Laws . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
51
Annex A: Unaudited Reverse Reconciliation of Selected Financial Information . . . . . . . . . . . . . . . .
A-1
i


ABOUT THIS PROSPECTUS SUPPLEMENT
In making an investment decision, you should rely only on the information provided or incorporated by
reference in this prospectus supplement, the accompanying prospectus and any related free-writing prospectus
that we prepare or authorize. We have not authorized anyone to provide you with different or additional
information. You should not assume that the information in this prospectus supplement, the accompanying
prospectus or any related free-writing prospectus that we prepare or authorize or in any document incorporated
by reference herein or therein is accurate as of any date after its date.
The distribution of this prospectus supplement, the accompanying prospectus and any related free-writing
prospectus that we prepare or authorize and the offering of the Notes in certain jurisdictions may be restricted by
law. This prospectus supplement, the accompanying prospectus and any related free-writing prospectus that we
prepare or authorize do not constitute an offer, or an invitation on our behalf or on behalf of the underwriters or
any of them, to subscribe to or purchase any of the Notes, and may not be used for or in connection with an offer
or solicitation by anyone, in any jurisdiction in which such an offer or solicitation is not authorized or to any
person to whom it is unlawful to make such an offer or solicitation.
The Notes may not be a suitable investment for all investors and you must determine on your own or with
the assistance of a financial adviser the suitability of an investment in the Notes in light of your own
circumstances. You should not invest in the Notes unless you have the knowledge and expertise, either on your
own or with the assistance of a financial adviser, to evaluate how the Notes will perform under changing
conditions, the effect on the value of the Notes of the uncertainty relating to whether and how the Notes will be
qualified or treated under applicable regulatory capital or TLAC requirements, the impact this investment will
have on your overall investment portfolio, and the use of proceeds from the sale of the Notes. Prior to making an
investment decision, you should consider carefully, in light of your own financial circumstances and investment
objectives, all the information contained in this prospectus supplement, the accompanying prospectus and any
related free-writing prospectus that we prepare or authorize and in any document incorporated by reference
herein and therein and in any applicable supplement to this prospectus supplement.
As used in this prospectus supplement, the terms "MUFG," "we," the "Company" and the "Group"
generally refer to Mitsubishi UFJ Financial Group, Inc. and its consolidated subsidiaries but, from time to time as
the context requires, refers to Mitsubishi UFJ Financial Group, Inc. as an individual legal entity, except that on
the cover page of this prospectus supplement, under the heading "Joint Lead Managers and Joint Bookrunners,"
the reference to "MUFG" is to MUFG Securities Americas Inc.
In this prospectus supplement, references to "yen" or "¥" are to Japanese yen, references to "U.S. dollars,"
"dollars," "U.S.$" or "$" are to United States dollars, references to "AU$" are to Australian dollars, references to
"euro" or "" refer to the currency of those member states of the European Union which are participating in the
European Economic and Monetary Union pursuant to the Treaty of the European Union, and references to
"RMB" are to Chinese Renminbi.
Unless otherwise specified, the financial information presented in this prospectus supplement and our
consolidated financial statements, which are incorporated by reference in this prospectus supplement, are
prepared in accordance with accounting principles generally accepted in the United States, or U.S. GAAP. Our
fiscal year ends on March 31 of each year.
Some of our financial information contained or incorporated by reference herein, where specified, is
prepared in accordance with accounting principles generally accepted in Japan, or Japanese GAAP. We report
our financial results in accordance with Japanese GAAP on a quarterly basis under Japanese banking and
securities regulations and Tokyo Stock Exchange rules. The basis of our financial information prepared in
ii


accordance with U.S. GAAP may be significantly different in certain respects from the basis of our financial
information prepared in accordance with Japanese GAAP. For information on certain differences between
U.S. GAAP and Japanese GAAP, see Exhibit 99(b) "Unaudited Reverse Reconciliation of Selected Financial
Information" attached to our most recent annual report on Form 20-F, which is incorporated by reference herein.
You should consult your own professional advisers, as necessary, for a more complete understanding of the
differences among U.S. GAAP, Japanese GAAP, International Financial Reporting Standards and any other
generally accepted accounting principles applicable in your jurisdiction and how such differences affect the
financial information contained or incorporated by reference herein.
The Notes have not been and will not be registered under the Financial Instruments and Exchange Act of
Japan (Act No. 25 of 1948, as amended; the "Financial Instruments and Exchange Act") and are subject to the
Special Taxation Measures Act of Japan (Act No. 26 of 1957, as amended; the "Special Taxation Measures
Act"). The Notes may not be offered or sold in Japan or to, or for the benefit of, any resident of Japan (which
term as used in this sentence means any person resident of Japan, including any corporation or other entity
organized under the laws of Japan) or to others for reoffering or resale, directly or indirectly, in Japan or to, or for
the benefit of, any resident of Japan, except pursuant to an exemption from the registration requirements of, and
otherwise in compliance with, the Financial Instruments and Exchange Act and any other applicable laws,
regulations and governmental guidelines of Japan. The Notes are not, as part of the distribution by the
underwriters pursuant to the underwriting agreement dated the date of this prospectus supplement at any time, to
be directly or indirectly offered or sold to, or for the benefit of, any person other than a beneficial owner that is,
(i) for Japanese tax purposes, neither (x) an individual resident of Japan or a Japanese corporation, nor (y) an
individual non-resident of Japan or a non-Japanese corporation that in either case is a person having a special
relationship with the Company as described in Article 6, Paragraph 4 of the Special Taxation Measures Act (a
"specially-related person of the Company") or (ii) a Japanese financial institution, designated in Article 6,
Paragraph 9 of the Special Taxation Measures Act, except as specifically permitted under the Special Taxation
Measures Act. BY SUBSCRIBING FOR THE NOTES, AN INVESTOR WILL BE DEEMED TO HAVE
REPRESENTED THAT IT IS A PERSON WHO FALLS INTO THE CATEGORY OF (i) OR (ii)
ABOVE.
Interest payments on the Notes generally will be subject to Japanese withholding tax unless it is established
that such Notes are held by or for the account of a beneficial owner that is (i) for Japanese tax purposes, neither
(x) an individual resident of Japan or a Japanese corporation, nor (y) an individual non-resident of Japan or a
non-Japanese corporation that in either case is a specially-related person of the Company, (ii) a Japanese
designated financial institution described in Article 6, Paragraph 9 of the Special Taxation Measures Act which
complies with the requirement for tax exemption under that paragraph or (iii) a Japanese public corporation,
financial institution or financial instruments business operator described in Article 3-3, Paragraph 6 of the
Special Taxation Measures Act which complies with the requirement for tax exemption under that paragraph.
Interest payments on the Notes to an individual resident of Japan, to a Japanese corporation not described in
the preceding paragraph, or to an individual non-resident of Japan or a non-Japanese corporation that in either
case is a specially-related person of the Company will be subject to deduction in respect of Japanese income tax
at a current rate of 15.315% of the amount of such interest.
iii


FORWARD-LOOKING STATEMENTS
This prospectus supplement, the accompanying prospectus and the documents incorporated by reference
herein contain "forward-looking statements" within the meaning of the U.S. Private Securities Litigation Reform
Act of 1995. Forward-looking statements do not relate strictly to historical or current facts and include statements
regarding our current intent, belief, targets or expectations or the current intent, belief, targets or expectations of
our management with respect to, among others:
·
changes in banking and other regulations, including those affecting whether and how the Notes will be
qualified or treated under applicable capital or TLAC requirements and resolution measures to be
implemented in Japan,
·
our financial condition,
·
our results of operations,
·
our business plans and other management objectives,
·
our business strategies, competitive positions and growth opportunities,
·
the financial and regulatory environment in which we operate,
·
our problem loan levels and loan losses,
·
the equity, interest and foreign exchange markets, and
·
the benefits of recently completed or announced transactions and realization of related financial and
operating synergies and efficiencies, including estimated cost savings and revenue enhancement.
In many, but not all, cases, we use words such as "aim," "anticipate," "believe," "estimate," "expect,"
"hope," "intend," "may," "plan," "predict," "probability," "risk," "should," "will," "would" and similar
expressions, as they relate to us or our management, to identify forward-looking statements. These statements
reflect our current views with respect to future events and are subject to risks, uncertainties and assumptions.
Should one or more of these risks or uncertainties materialize or should underlying assumptions prove incorrect,
actual results may vary materially from those which are anticipated, aimed at, believed, estimated, expected,
intended or planned.
Forward-looking statements are not guarantees of future performance and involve risks and uncertainties.
Actual results may differ from those in forward-looking statements as a result of various factors. Important
factors that could cause actual results to differ materially from estimates or forecasts contained in the forward-
looking statements include those which are discussed in this prospectus supplement, the accompanying
prospectus and our most recent annual report on Form 20-F and other documents incorporated by reference in
this prospectus supplement and the accompanying prospectus.
You are cautioned not to place undue reliance on any forward-looking statements, which speak only as of
their respective dates. We do not undertake to update any forward-looking statements, whether as a result of new
information, future events or developments, or otherwise.
WHERE YOU CAN OBTAIN MORE INFORMATION
We file reports and other information with the SEC. You may read and copy any document filed with the
SEC at the SEC's Public Reference Room at 100 F Street, N.E., Washington, D.C. 20549. Please call the SEC at
(800) SEC-0330 for further information on the Public Reference Room. Documents filed with the SEC are also
available to the public on the SEC's internet website at http://www.sec.gov.
This prospectus supplement is part of a registration statement on Form F-3 that we filed with the SEC. The
registration statement, including the attached exhibits, contains additional relevant information about us and the
securities that may be offered from time to time.
iv


INCORPORATION OF DOCUMENTS BY REFERENCE
The SEC allows us to "incorporate by reference" in this prospectus supplement and the accompanying
prospectus some or all of the documents we file with the SEC. This means:
·
the information in a document that is incorporated by reference is considered to be a part of this
prospectus supplement and the accompanying prospectus;
·
we can disclose important information to you by referring you to those documents; and
·
information that we file with the SEC will automatically update and modify or supersede some of the
information included or incorporated by reference in this prospectus supplement and the accompanying
prospectus.
This means that you must look at all of the SEC filings that we incorporate by reference to determine if any
of the statements in this prospectus supplement or the accompanying prospectus or in any document incorporated
by reference herein or therein have been modified or superseded. The accompanying prospectus describes
documents that are incorporated by reference into the accompanying prospectus and this prospectus supplement.
See "Incorporation of Documents by Reference" in the accompanying prospectus.
The documents incorporated by reference into this prospectus supplement and the accompanying prospectus
include:
·
our current report on Form 6-K relating to our financial information under Japanese GAAP as of and
for the fiscal year ended March 31, 2017, dated May 15, 2017, except for the forward-looking
statements which were made as of the date thereof,
·
our current report on Form 6-K relating to our additional financial information under Japanese GAAP
as of and for the fiscal year ended March 31, 2017, and certain other additional information, dated June
29, 2017, and
·
our annual report on Form 20-F for the fiscal year ended March 31, 2017, filed on July 14, 2017.
In addition, we incorporate by reference in this prospectus supplement all subsequent annual reports filed on
Form 20-F and any future filings made with the SEC under Sections 13(a), 13(c), 14 or 15(d) of the
U.S. Securities Exchange Act of 1934, as amended, or the U.S. Exchange Act, and certain reports on Form 6-K,
which we furnish to the SEC, if they state that they are incorporated by reference in this prospectus supplement,
after the date of this prospectus supplement until the offering contemplated in this prospectus supplement is
completed. Reports on Form 6-K we may furnish to the SEC after the date of this prospectus supplement (or
portions thereof) are incorporated by reference in this prospectus supplement only to the extent that the report
expressly states that it is (or such portions are) incorporated by reference in this prospectus supplement.
We will provide you without charge upon written or oral request a copy of any of the documents that are
incorporated by reference in this prospectus supplement. If you would like us to provide you with any of these
documents, please contact us at the following address or telephone number: 7-1, Marunouchi 2-chome,
Chiyoda-ku, Tokyo 100-8330, Japan, Attention: Public Relations Office (telephone: +81-3-3240-8111).
Copies of documents incorporated by reference in this prospectus supplement may be inspected, free of
charge, at the website of the Luxembourg Stock Exchange at www.bourse.lu.
Selected Financial Data
For certain selected financial data relating to us, see "Item 3.A. Key Information--Selected Financial Data"
in our most recent annual report on Form 20-F on file with the SEC incorporated by reference herein.
v


SUMMARY
This summary highlights some of the information contained in this prospectus supplement, the
accompanying prospectus and the documents incorporated by reference herein. Because this is only a summary,
it does not contain all of the information that may be important to you. You should read the entire prospectus
supplement, the accompanying prospectus and the documents incorporated by reference herein carefully,
including the section entitled "Risk Factors" and our financial statements and related notes to those statements
included in our most recent annual report on Form 20-F and the sections entitled "Risk Factors," "Description
of Senior Debt Securities" and "Use of Proceeds" and other information included elsewhere, or incorporated by
reference, in this prospectus supplement and the accompanying prospectus, prior to making an investment
decision.
Mitsubishi UFJ Financial Group, Inc.
We are a bank holding company incorporated on October 1, 2005 as a joint stock company (kabushiki
kaisha) under the Company Law of Japan. We are one of the world's largest and most diversified financial
groups with total assets of ¥297.2 trillion and total deposits of ¥190.4 trillion as of March 31, 2017. We are the
holding company for The Bank of Tokyo-Mitsubishi UFJ, Ltd., or BTMU, Mitsubishi UFJ Trust and Banking
Corporation, or MUTB, Mitsubishi UFJ Morgan Stanley Securities Co., Ltd., or MUMSS, (through Mitsubishi
UFJ Securities Holdings Co., Ltd., or MUSHD, an intermediate holding company), Mitsubishi UFJ NICOS Co.,
Ltd., and other subsidiaries. For a more detailed description of our history, see "Item 4.A. Information on the
Company--History and Development of the Company" in our most recent annual report on Form 20-F.
Through our subsidiaries and affiliated companies, we engage in a broad range of financial businesses and
services, including commercial banking, investment banking, trust banking and asset management services,
securities businesses, and credit card businesses, and provide related services to individuals and corporate
customers in Japan and abroad. In Japan, we had approximately 1,100 branches and offices as of March 31, 2017.
As of the same date, we had the largest overseas network among Japanese banks, consisting of approximately
1,200 branches and other offices, including those of MUFG Union Bank, N.A., or MUB, Bank of Ayudhya
Public Company Limited, known as Krungsri, and other subsidiaries, in around 50 countries and regions.
Updates Relating to Listing of the Notes on the Luxembourg Stock Exchange
To provide information relating to the expected listing of the Notes on the Luxembourg Stock Exchange,
updates are made to the section "Description of Senior Debt Securities" in the accompanying prospectus as
follows:
·
The final paragraph of the sub-section under the sub-heading "Book-Entry; Delivery and Form--
Exchange of Global Notes for Certificated Notes" is deleted in its entirety; and
·
The sub-section under the sub-heading "Minimum Board Lot Size on the SGX-ST" is deleted in its
entirety, together with such sub-heading.
In addition, an update is made to the first sentence of "Risk Factors--Risks Related to the Senior Debt
Securities--There is no established trading market for the senior debt securities and one may not develop." in the
accompanying prospectus by replacing the phrase "although we expect to list the senior debt securities on the
Singapore Exchange Securities Trading Limited, or SGX-ST," with "although we expect to list the senior debt
securities on the Luxembourg Stock Exchange's Euro MTF Market,".
See "Listing and General Information."
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Our Funding and Business Strategies
We are taking pro-active steps to adjust our funding strategy to meet the requirements expected due to the
future implementation of TLAC regulations in Japan.
We are the holding company for one of the world's largest and most diversified financial groups, providing
a broad range of financial services in Japan and around the world. Among our operating subsidiaries, BTMU and
MUTB make significant contributions to our business in terms of profits and total assets. Our businesses are well
diversified to cover a full range of financial services, including commercial banking, trust assets, securities
brokerage, credit cards and leasing. Further, our business portfolio is geographically diversified across the globe,
including MUB, our primary operating subsidiary in the United States, and Krungsri, our primary operating
subsidiary in Thailand.
We have been designated as a global systemically important bank, or G-SIB, by the Financial Stability
Board, or the FSB, and the Basel Committee on Banking Supervision, and further by the Financial Services
Agency of Japan, or the FSA, based on international agreements pursuant to the Basel III G-SIB capital
surcharge rules. The relevant rules took effect in Japan on March 31, 2016 and are being phased in through 2019.
In November 2015, as part of its agenda to address risks arising from G-SIBs, the FSB published its final TLAC
standard for G-SIBs. The FSB TLAC standard seeks to ensure that a G-SIB will have sufficient loss-absorbing
and recapitalization capacity available if it fails and that it can be resolved in an orderly manner so as to
minimize the potential impact on financial stability, maintain the continuity of critical functions and avoid
exposing public funds to loss. The FSB's TLAC standard defines certain minimum requirements for instruments
and liabilities subject to loss absorption for G-SIBs in resolution, including a minimum external TLAC. The
FSB's TLAC standard is subject to regulatory implementation in Japan. In April 2016, the FSA published an
explanatory paper outlining its approach for the introduction of the TLAC framework in Japan, pursuant to which
the FSA plans to require bank holding companies of G-SIBs in Japan to meet the minimum external TLAC
requirements under the FSB's TLAC standard mainly through amendments to the existing laws and regulations
relating to capital adequacy requirements applicable to bank holding companies in Japan. Although the FSA's
approach remains subject to change in line with ongoing international discussions, we are preparing to satisfy
such requirements in advance of implementation by issuing senior debt securities as a bank holding company.
Although there are many relevant regulatory and market factors that remain subject to change, based on our
current estimate, we will need to continue to issue TLAC eligible instruments, to meet the anticipated minimum
external TLAC requirement. See "Item 4B. Business Overview--Supervision and Regulation--Japan--Total
Loss-Absorbing Capacity" in our most recent annual report on Form 20-F and "Risk Factors--Risks Related to
the Senior Debt Securities--The Japanese regulations relating to external TLAC have not yet been finalized, and
the circumstances surrounding or triggering orderly resolution are unpredictable." in the accompanying
prospectus.
Under the FSA's approach, as a Japanese banking group subject to the FSB TLAC standard, we expect to be
subject to a Single Point of Entry, or SPE, resolution regime where resolution powers are applied to the top-level
entity of a banking group by a single national resolution authority. In addition to the external TLAC requirements
to be applied at the bank holding company level, a key element of the effectiveness of the SPE resolution regime
is to require the bank holding company of a G-SIB in Japan to cause its material subsidiaries or material sub-
groups that are designated as systemically important by the FSA to maintain a certain level of capital and debt
recognized as having loss-absorbing and recapitalization capacity, or internal TLAC. Under the FSA's approach,
when we, as a bank holding company, become subject to the TLAC requirements, we may need to restructure
loans to, and investments in, our material subsidiaries or material sub-groups to meet such internal TLAC
requirements. Upon implementation of the applicable TLAC requirements for G-SIBs in Japan, we expect the
Notes to qualify as external TLAC due in part to their structural subordination to the liabilities of our
subsidiaries, including our regulated banking subsidiaries. We intend to use the proceeds from the sale of the
Notes to fund the operations of BTMU and MUTB through loans. See "Use of Proceeds."
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In light of the currently anticipated TLAC regulations in Japan under the FSA's approach, including the
expected SPE resolution strategy, we expect that MUFG, as the group holding company, will become the primary
funding entity for the issuance of TLAC eligible debt securities, while BTMU, MUTB, MUSHD and other
subsidiaries will continue to issue certain unsecured bonds, structured bonds and collateralized bonds which will
not carry TLAC eligibility or will be denominated in currencies other than U.S. dollars, yen and euro.
We intend to access capital markets both domestically and overseas in order to achieve the best capital mix,
including for refinancing with a view to maintaining sufficient Additional Tier 1 and Tier 2 capital, as contemplated
by the Basel III capital standard, as well as satisfying the anticipated minimum TLAC requirement.
We believe our current capital structure contains significant buffers before the Notes become subject to loss
absorption. In addition, there are multiple measures that may be implemented, including measures in response to
a financial crisis, before a financial institution reaches a point of non-viability, such as limitations or restrictions
on capital distributions, prompt corrective action, provision of financial liquidity and capital injection. As of
March 31, 2017, our Common Equity Tier 1 ratio, which is calculated based on financial information prepared in
accordance with Japanese GAAP, was 11.76%. Based on our Common Equity Tier 1 capital as of March 31,
2017, excluding the impact of net unrealized gains on securities available for sale, we estimate that our Common
Equity Tier 1 capital ratio would be 9.8% under the Japanese regulatory capital standard that is expected to be
applicable to us as of March 31, 2019.
Under the current Japanese laws and regulations, we are required to maintain a recovery plan and, if our
financial condition or liquidity deteriorates to trigger levels specified in the recovery plan, we will implement the
recovery plan to restore our financial strength and viability. In addition, if our Common Equity Tier 1 ratio
declines below the required minimum level, then we will become subject to restrictions on capital distributions
and further to prompt corrective action under the banking regulations, and if our Common Equity Tier 1 ratio
declines below 5.125%, then our Additional Tier 1 instruments will become subject to loss absorption. According
to the FSA's approach for the introduction of the TLAC framework in Japan published in April 2016, when our
financial condition further deteriorates to a point where our liabilities exceed, or are deemed likely to exceed, our
assets, or where we have suspended, or are deemed likely to suspend, payments on our obligations, as a result of
loans extended by us to, or investments made by us in, any of our material subsidiaries being subject to loss
absorption prior to the failure of such material subsidiaries, and, if our failure may cause a significant disruption
to the financial market or system in Japan, measures under the Japanese statutory orderly resolution regime may
be applied to us. The application of such measures will result in our then outstanding Additional Tier 1
instruments and Tier 2 instruments becoming subject to loss absorption, and will likely lead to a transfer of
certain assets, including shares of our material subsidiaries, and liabilities to a bridge financial institution
established by the Deposit Insurance Corporation of Japan, or the Deposit Insurance Corporation, and subsequent
liquidation of our remaining assets and liabilities which are expected to include the TLAC-eligible senior debt
securities, including the Notes. During the liquidation process, the Notes will participate in the liquidation of any
residual assets of MUFG in priority to our Basel II Tier 1 instruments. We intend to further strengthen our capital
structure. See "Item 4B. Business Overview--Supervision and Regulation--Japan" in our most recent annual
report on Form 20-F.
We have taken measures to enhance our financial soundness.
Our primary funding source for loans is deposits. We have maintained a low loan-to-deposit ratio, which we
believe allows us to secure higher liquidity and a sound balance sheet. As of March 31, 2017, on a
Japanese GAAP basis, our total loans in the banking account and the trust account were ¥109.2 trillion,
consisting of ¥44.2 trillion of domestic corporate loans, ¥15.7 trillion of domestic housing loans, ¥4.2 trillion of
loans to Japanese government institutions, ¥1.5 trillion of other domestic loans, and ¥43.4 trillion of overseas
loans. As of the same date, on a Japanese GAAP basis, our total deposits were ¥170.7 trillion, consisting
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of ¥73.0 trillion of deposits from domestic individual customers, ¥61.0 trillion of deposits from domestic
corporate customers and ¥36.5 trillion of deposits from overseas and other customers. On a U.S. GAAP basis, as
of March 31, 2017, our total net loans were ¥117.0 trillion, and our total deposits were ¥190.4 trillion.
The average balance of domestic corporate loans under Japanese GAAP, excluding loans to government
institutions, on a managerial accounting basis, has increased in recent periods. The average balance of overseas
loans under Japanese GAAP on a managerial accounting basis and applying our internal fixed exchange rate to
measure the progress of our current medium term business plan has also been on a generally increasing trend in
recent periods.
Our risk-monitored loan ratio, or the ratio of our total risk-monitored loans, as classified under Japanese
banking regulations, to our total loans and bills discounted in the banking account on a Japanese GAAP basis,
has declined to below 1.5% in recent periods, reflecting our disciplined approach to risk management. We have
recently reduced our risk-monitored loans, as classified under Japanese banking regulations, to domestic
borrowers, although our risk-monitored loans to overseas borrowers have increased. Our credit costs, net of gains
on loans written off, on a Japanese GAAP basis, were ¥155.3 billion for the fiscal year ended March 31, 2017.
On a Japanese GAAP basis, 43.8% of our available-for-sale securities with fair value consisted of Japanese
government bonds as of March 31, 2017. On a U.S. GAAP basis, the ratio of our holdings of available-for-sale
Japanese government bonds to our total investment securities was 59.7% as of March 31, 2017. We manage the
maturity profile of our holding of Japanese government bonds as part of our asset and liability management
measures. On a Japanese GAAP basis, of the simple sum of the available-for-sale and held-to-maturity Japanese
government bonds held by BTMU on a non-consolidated basis and MUTB on a non-consolidated basis, as of
March 31, 2017, ¥13.8 trillion had maturities within one year, ¥6.3 trillion had maturities between one year and
five years, ¥2.7 trillion had maturities between five years and ten years, and ¥2.1 trillion had maturities longer
than ten years, with the average remaining maturity of such available-for-sale Japanese government bonds being
2.6 years as of the same date. On a Japanese GAAP basis, 32.6% of our available-for-sale securities with fair
value consisted of foreign bonds as of March 31, 2017. Given the significance of our bond holdings to the overall
portfolio, we intend to manage interest rate risk in a flexible manner in response to changes in the market
environment. For the maturities of our holdings of Japanese government bonds on a U.S. GAAP basis, see our
most recent annual report on Form 20-F.
We have recently reduced our holdings of domestic equity securities, and the ratio of our equity holdings on
an acquisition price basis under Japanese GAAP to our Basel III Tier 1 capital declined from 22.8% as of
March 31, 2014 to 16.6% as of March 31, 2017. We have set a basic policy to reduce such equity holdings to
approximately 10% of our Tier 1 capital over the five-year period ending March 31, 2021, in light of the
investment risk, our aim to enhance capital efficiency and developments in global financial regulation. As we
reduce these equity holdings, there are two important considerations. First, we must consider the economic
rationale for maintaining equity stakes in customers. Second, even where there is sufficient economic rationale,
we may decide to sell equity holdings in accordance with our basic risk reduction policy, taking into account
market conditions, the business environment and our financial strategy. We expect a further reduction in our
equity holdings will contribute to enhancing our capital ratios.
We have achieved a sustainable earnings trend supported by our basic policy and strategies despite the
current low interest rate environment.
Interest rates remain at historically low levels, particularly in Japan, where the Bank of Japan adopted a
"quantitative and qualitative monetary easing with negative interest rates" policy in February 2016. Under this
policy, the Bank of Japan maintained its policy to increase its aggregate holding of Japanese government bonds
by approximately ¥80 trillion each year and applied a negative interest rate of minus 0.1% to "Policy-Rate
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