Bank of Tokyo-Mitsubishi UFJ

2015 Mitsubishi UFJ Financial Group

2015 Mitsubishi UFJ Financial Group

TransactionBanking

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Business today is globalizing faster than ever. Needs for capital management on the national, regional, and global scales are increasing as companies establish manufacturing and sales bases overseas. Our transaction banking operations support clients with capital management solutions focusing on cash management and trade finance. As the Japanese financial institution with the greatest global reach, MUFG supports multinational clients with its friendly services and commitment to Japanese quality.

Japanese quality sets the standard for the rest of the world.

The transaction banking business at Mitsubishi UFJ Financial Group (MUFG) puts all of our expertise at the service of corporate clients looking to succeed worldwide.

The Origins

Global Network

Asian Strategy

Business

COMSUITE

Solutions

Products & Services

Customers

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5

7

9

11

13

15

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CONTENTS

Mitsubishi UFJ Financial Group

43

Yataro Iwasaki establishes a shipping company called Tsukumo Shokai (renamed Mitsubishi Shokai in 1873).

An integral part of Japan’s financial history, MUFG represents Japan in both its history and its achievements.MUFG’s roots stretch back to six major banks, with 400 years of history behind our powerful position today. Global conditions and financial markets have changed over the years, but our heritage and experience is a priceless asset and the cornerstone of our stable management foundation.

The Mitsubishi Bank, Ltd.

1870

The 13th National Bank established under a government charter (name later changed to the Konoike Bank in 1897).

1877The 11th National Bank established.(the forerunner of Aichi Bank)

1877

The Konoike Money Exchange established.

1656

The firm enters the banking business in a merger with the 119th National Bank (name later changed to Mitsubishi Bank in 1919).

1885

Offices opened in London and New York; international operations launched.

1920

The Yokohama Specie Bank is reorganized as the Bank of Tokyo.

1946 The Tokai Bank is formed in a merger of three local banks.

1941

Krungsri officially established.

1945

Krungsri listed on the Stock Exchange of Thailand.

1977

The Konoike Bank merges with two local banks; name changed to Sanwa Bank.

1933

First international branch opened in San Francisco.

1953

London branch opened.

1963The Bank of Tokyo qualifies as a specialized foreign exchange bank under Japan’s Foreign Exchange Bank Act.

1954

MUFG starts strategic alliance with Morgan Stanley.

2008

Morgan Stanley becomes an equity-method affiliate of MUFG.

2011

VietinBank becomes an equity-method affiliate of BTMU.

2013

Mitsubishi Bank and The Bank of Tokyo merge to form The Bank of Tokyo-Mitsubishi (BTM).

1996

Sanwa and Tokai merge to form UFJ Bank.

2002

BTM and UFJ merge to form the Bank of Tokyo-Mitsubishi UFJ (BTMU).

2006

Yataro establishes the Mitsubishi Kawase-ten offering foreign exchange services.

1880The Yokohama Specie Bank opened for business in Japan and New York in 1880 and set up another office in London in 1881.

1880

The Bank of Tokyo, Ltd. The Sanwa Bank, Ltd. The Tokai Bank, Ltd.

The Mitsubishi Bank consolidates its two California banks, The Mitsubishi Bank of California, and The Bank of California and chooses to retain The Bank of California name.

1988

The Bank of California and Union Bank merge to form Union Bank of California.

1996

Union Bank of California becomes a wholly owned subsidiary of BTMU and shortens its name to Union Bank.

2008

MUFG integrates the U.S. operations of BTMU Headquarters for the Americas with Union Bank, and renames the bank MUFG Union Bank.

2014Krungsri becomes a subsidiary of BTMU and integrates with BTMU Bangkok Branch.

2013

The Bank of California is founded in San Francisco, California.

1864

MUFG Union Bank, N.A. Bank of Ayudhya PCL( “Krungsri” )

Marunouchi during the late Meiji period.

MUFG today descends from a number of illustrious predecessor banks, dating as far back as the seventeenth century, but gaining momentum after the Meiji Restoration of 1868 and accelerating rapidly in the twentieth century.

Prologue

The Bank of Tokyo-Mitsubishi, Ltd.

UFJ Bank Limited

The Bank of Tokyo-Mitsubishi UFJ, Ltd.

The Origins

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[ U.S.A. ]New York, Atlanta, Boston, Chicago, Dallas, Houston, Kentucky, Los Angeles, Minnesota, San Francisco, Seattle, Washington

[ Canada ]Toronto, Montreal, Vancouver, Calgary

[ Mexico ]Mexico D.F.

[ Argentina ]Buenos Aires

[ Brazil ]Sao Paulo, Rio de Janeiro

[ Chile ]Santiago

[ Colombia ]Bogota

[ Peru ]Lima

[ Venezuela ]Caracas

[ United Kingdom ]London, Birmingham

[ France ]Paris

[ Belgium ]Brussels

[ Germany ]Dusseldorf, Hamburg, Munich, Frankfurt, Berlin

[ Italy ]Milano

[ Spain ]Madrid, Barcelona

[ Portugal ]Lisbon

[ Netherlands ]Amsterdam

[ Austria ]Vienna

[ Czech Republic ]Prague

[ Poland ]Warszawa

[ Russia ]Moscow, Saint-Petersburg, Vladivostok

[ Kazakhstan ]Almaty

[ Bahrain ]Manama

[ Turkey ]Istanbul

[ Iran ]Tehran

[ U.A.E. ]Dubai, Abu Dhabi

[ Qatar ]Doha

TheMiddleEast

Africa

Europe North America

Latin America

Asia

Oceania

[ Egypt ]Cairo

[ South Africa ]Johannesburg

[ Australia ]Sydney, Melbourne, Perth

[ New Zealand ]Auckland

[ Pakistan ]Karachi

[ India ]New Delhi, Neemrana, Mumbai, Chennai, Bangalore

[ Thailand ]Bangkok

[ Malaysia ]Kuala Lumpur, Labuan, Penang

[ Singapore ]Singapore

[ Indonesia ]Jakarta, Surabaya, Bandung

[ Philippines ]Manila

[ Vietnam ]Hanoi, Ho Chi Minh City

[ China ]Beijing, Shanghai, Dalian, Shenzhen, Tianjin, Wuxi, Guangzhou, Chengdu, Qingdao, Wuhan, Shenyang, Suzhou

[ Hong Kong ]Hong Kong, Kowloon

[ Taiwan ]Taipei

[ Korea ]Seoul

[ Bangladesh ]Dhaka

[ Myanmar ]Yangon

[ Cambodia ]Phnom Penh

[ Mongolia ]Ulaanbaatar

Transaction Banking Division for China China

Transaction Banking Office for East Asia East Asia

Transaction Banking Officefor Europe, Middle East and Africa

EMEA

MUFG Union Bank, Transaction Banking

Americas

JapanTransaction Banking Division

Asia & OceaniaTransaction Banking Office for Asia & Oceania

ThailandKrungsri, Transaction Banking

* as of June 2015

Global NetworkMUFG’s global reach includes over 1,150 locations* in more than 40 countries around the world.

MUFG manages its transaction banking business from offices in Tokyo, Shanghai, Hong Kong, Singapore, Bangkok, London, New York, and Los Angeles. A total of about 2,000 professionals work together across national and regional boundaries to provide a wide range of services to our clients. We leverage our network of offices in more than 40 countries to meet specific local needs. Professionals well-versed in local markets provide the same high-quality service and hospitality found in Japan.

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Investments and Alliances with Asian Banks as of July 31, 2015

Subsidiary

InvestmentChina Bank of China

Investment

Investment

Investment

Hong Kong Dah Sing Financial Holdings

Korea since 1967

China since 1893

India since 1894Taiwan since 1990

Vietnam since 1920

Myanmar since 1918

Pakistan since 1925

Bangladesh since 1990

Mongolia since 2013

Thailand since 1936

Malaysia since 1957

Singapore since 1916

Cambodia since 1956

Indonesia since 1918

Hong Kong since 1952

Philippines since 1918

Taiwan Fubon Financial

Alliance

Alliance

Alliance

Alliance

Alliance

Alliance

Alliance

Investment

Alliance

Investment

Investment

Alliance

Alliance

Alliance

Alliance

Alliance

Alliance

Alliance

Alliance

Taiwan Financial Holdings

Thailand Krungsri

Korea Exim Bank of Korea

Bangkok Bank

Vietnam VietinBank

BIDV

Indonesia BNP

CIMB Niaga

India ICICI

State Bank of India

Philippines BDO

Malaysia CIMB

Myanmar Co-operative Bank

Cambodia Canadia Bank

Bangladesh Prime Bank

Sri Lanka Bank of Ceylon

Security Bank

Siam Commercial Bank

Kashikorn Bank

CIMB Thai

Asian StrategyOur solid Asian network leverages proactive investments and strategies in a region that has captured the global spotlight.

We have 120 years of experience building bases in the Asian region, and we continue to expand operations throughout the region. We also proactively invest in and affiliate with banks across Asia, working to strengthen our transaction banking business region-wide.

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Transaction BankingTransaction Banking

Cash Management

Trade Finance

MUFG’s transaction banking organization

MUFG’stransaction bankingoffices

Area of responsibility

Clients’global businessnetworks

BusinessOur transaction banking business, managed from eight bases worldwide, provides cash management and trade finance at the highest global standards.

Tokyo Japan

China

East Asia

Southeast Asia, South Asia, Oceania

Europe, Middle East, Africa

The Americas

Shanghai

Hong Kong

Singapore

ThailandBangkok

London

New York

The AmericasLos Angeles

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COMSUITE is MUFG’s total solutions for global transaction banking.Combined with our unique attention to detail and reliability, we deliver reliable quality that meet the needs for global cash management and trade finance.In our quest for user-friendly solutions with simple access, we provide global business support for our customers.

Total Transaction Banking Solutions

Global Reliable quality

Simple access Total solutions

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Sale proceedscollection

Issue of invoices

Ordering of raw materials

Purchase of raw materials

Invoice receipt

Paymentsto suppliersand vendors

Product manufacturingSalary payments

Warehousing

SaleSolutions

Streamlined payment administration

Reduced payment frequency and fees due to centralized payment management

Visualization of payment status

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Streamlined administration for sale proceeds collection

Streamlined administration for accounts receivable reconciliation

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Reduced interest-bearing debt

Reduced settlement expenses

Visualization of cash position

Exchange risk hedging

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Import bill payment bonds

Early collection of export bills

Computerization of import and export transactions

Cash flow support for vendors

Credit risk hedging

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Collection

PaymentTradeFinance

LiquidityManagement

Global corporations have diverse needs for cash management, depending on the country, region and content of business.We deliver total solutions in step with the various phases of our customers' business cycles.

Total solutions in step with business cycles

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Cash Management

CashManagement

Global Cash Management

TradeFinance

An international Internet banking service for corporate clients with growing global businesses. It offers a variety of capabilities, such as balance and transaction confirmation and domestic and overseas remittances in a high-security environment. It also provides services for the Single Euro Payments Area (SEPA).

Host Connection

This service connects the client’s system to that of MUFG via host connection channels such as SWIFT or Internet VPN for MUFG accounts around the globe, enabling our clients to achieve centralized operation of accounts payable and management of bank account statements in a secure and efficient manner.

Trade Finance

Cash Flow Forecasting

This service collects group-wide account balances and deposit and withdrawal information to provide cash reports that can be analyzed by region, currency, company or other attributes. It aggregates payment and collection schedules for each group, supporting group-wide cash flow management.

Pooling

Every business day, clients’ positive balances (excess funds) at subsidiary accounts are transferred to a master account, and negative balances are automatically funded by the master account. This improves capital efficiency. MUFG provides cross-border pooling in addition to domestic pooling in each country.

Online Foreign Exchange Contracts

This service enables the conclusion and confirmation of foreign exchange contracts through the Internet. It achieves streamlining of clients’ foreign currency operations and secure transactions in an advanced security environment.

Netting

A netting calculation function usable over the Internet with 48 currencies. It makes it possible to reduce fees and administration by netting receivables and payables held by each group company.

Accounts Receivable Reconciliation

This service enables the easy identification of payers using a unique virtual account number that is added to accounts receivable payment data. It also streamlines accounts receivable reconciliation operations through automatic matching with invoice data.

Export Services

In addition to traditional services such as export bill collection, L/C notification and export bill purchase with L/C, we also help clients hedge risks associated with exports and improve financial efficiency by offering a diverse menu of services, including L/C confirmation, forfaiting and accounts receivable finance.

Import Services

We offer import services such as L/C issuance and standby L/C issuance with reliable administrative quality. Our high credit strength and global network provides powerful support for our clients’ businesses.

Vendor Finance

By purchasing receivables made out to our clients from vendors, MUFG supplies new sources of financing to vendors. In addition, we are gradually expanding convenient Web-based front systems to more countries.

TSU/BPO (Trade Service Utility/Bank Payment Obligation)

This inter-bank trade data matching system offered by SWIFT reduces the burden and cost of our clients’ routine administrative work by computerizing import and export transactions, while at the same time offering trade finance utilizing BPO function.

Products & ServicesWe offer total products and services that meet the needs of global corporations with simple access.

The monozukuri (manufacturing craftsmanship) that Japan is so proud of has produced world-leading products and services in transaction banking as well. We deliver a full lineup of products with easy access that meet the business needs of our customers to provide comprehensive support for their global business. We deliver reliable quality through tireless kaizen (improvement).

Holding Company Overview

Company Name Mitsubishi UFJ Financial Group, Inc.

Japan Transaction Banking Division2-7-1, Marunouchi, Chiyoda-ku, Tokyo, Japan

China Transaction Banking Division for China22F, AZIA Center, No.1233, Lujiazui Ring Road, Pudong New District, Shanghai 200120,People's Republic of China

East Asia Transaction Banking Office for East Asia6F, AIA Central, 1 Connaught Road, Central, Hong Kong, People's Republic of China

Asia & Oceania Transaction Banking Office for Asia & Oceania9 Raffles Place, #01-01 Republic Plaza, Singapore 048619, Republic of Singapore

Thailand Krungsri, Transaction Banking1222 Rama III Road, Bang Phongphang, Yan Nawa, Bangkok 10120,Kingdom of Thailand

EMEA Transaction Banking Office for Europe, Middle East and AfricaRopemaker Place, 25 Ropemaker Street, London EC2Y 9AN, United Kingdom

Americas Transaction Banking Office for the Americas1251 Avenue of the Americas, New York, NY 10020-1104, U.S.A.

MUFG Union Bank, Transaction Banking445 South Figueroa Street, Los Angeles, CA 90071, U.S.A.

Address 7-1, Marunouchi 2-Chome, Chiyoda-ku, Tokyo, Japan

Date of Establishment April 2, 2001

Amount of Capital 2,141 billion yen (As of Mar. 31, 2015)

Stock Exchange Listings Tokyo, Nagoya, New York (NYSE ticker : MTU)

URL http://www.mufg.jp/english

Transaction Banking Offices

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CustomersTransaction Banking

A growing number of leading global corporations have decided to do business with us.

A wide range of companies from countries all over the world are using MUFG’s transaction banking services to help expand their business globally.

Note: Company names are in alphabetical order.

Some of our clients:

Together with