Mitsubishi UFJ Financial Group, Inc. · Year ended March 2026

MUFG arranges large loans and connects them with investors

MUFG provides households and businesses with deposit accounts, loans, asset management and administration, securities and other financial services through companies including MUFG Bank. When businesses build large facilities, the group also arranges financing and connects it with investors.

2 primary sourcesPublished 2026-11-03Updated 2026-11-03

A blank financing folio connects a banking meeting with several investor desks, with a data-center project behind it

About 90% of its own share distributed

Average distribution rate for large AI data-center deals

Building a gigawatt-class AI data center requires substantial financing. MUFG’s May 2026 annual presentation reports an average distribution rate of about 90% for such large deals.

Distribution means selling originated loans to investors. The denominator is MUFG’s own share in deals it originated, rather than total project construction costs or the group’s entire loan portfolio. The presentation does not specify a separate measurement period or deal count for this example.

The company describes meeting demand for digital infrastructure and energy finance while controlling the rise in exposure through distribution. Arranging a loan and retaining its full amount are different roles.

Connect a borrower with investors taking the loan

MUFG’s disclosed origination and distribution relationship. The large-AI-deal average of about 90% uses MUFG’s own share in deals it originated as its denominator.

Business needing finance
Build facilities such as a data center
Discuss financing
MUFG
Originate the financing deal
Distribute loans to investors
Investors
Take the loan exposure

MUFG also manages credit and capital for the portion it retains

Arrows show financing discussions and distribution. They do not quantify total project funding or the distribution share of every loan.

Source: annual presentation, physical PDF page 16

Bring in investors and shorten the time to distribution

About twice as many invited investors

Data-center project-finance deals, company comparison with FY2023

Project finance funds businesses such as data centers and energy facilities. MUFG combines its ability to originate deals with the work of placing them with investors.

The company says the number of investors invited to data-center project-finance deals roughly doubled from FY2023. The days required to distribute US underwritten deals fell about 25% from FY2024. These disclosures describe wider investor reach and changes in the work of completing distribution.

The first comparison covers data-center project finance; the second covers US underwritten deals. They do not establish that holding periods shortened for every loan or that credit risk disappeared.

Fees account for 45% of Americas gross profit

DATA VIEW

The fee share of Americas gross profit

Actual shares based on US-dollar management figures, in %. Fiscal years run from April to March. FY2022 is provisional after allowing for the sale of MUFG Union Bank. Common zero-based scale; no plans included.

FY202242%

FY202338%

FY202441%

FY202545%

Source: annual investor presentation, physical PDF page 16. Each share uses that year’s Americas gross profit as its denominator.

Investing funds supported by deposits remains part of the business

¥179 trillion of yen deposits

March 2026 year-end, combined bank and trust bank

Alongside distribution to investors, banks hold assets on their balance sheets. The standalone accounts of MUFG Bank and Mitsubishi UFJ Trust and Banking, taken as a simple sum, show ¥179 trillion of yen deposits. Their yen assets include ¥73 trillion of loans, ¥40 trillion of securities and ¥68 trillion in Bank of Japan current accounts, among other items. These are company-rounded figures.

Deposits are funding owed back to customers, rather than company revenue. These figures cover the two banks’ yen balances. They are neither all MUFG consolidated deposits, including overseas subsidiaries, nor a tracing of funds directly into the data-center deals above.

Choosing assets also means choosing where capital goes

CONCEPT MAP

Arranging loans and retaining assets

Relationships drawn from the company’s disclosures. Areas do not represent financial shares.

MUFG corporate finance

Originate loansIdentify financing needs, including equipment investment, and arrange deals
Distribute to investorsFind investors and adjust retained exposure
Manage retained assetsUse deposits and other funding; manage credit costs and capital allocation

THE VIEW AFTER THE NUMBERS

What the numbers suggest

MUFG supplies finance to businesses and brings investors into large deals. In the Americas, originating and distributing loans connects with its policy of strengthening fee income.

How much it lends, which portion it retains and whom it connects. Read alongside investing funds supported by domestic deposits, these choices explain how a banking group serves financing demand while deciding which assets to hold and where to commit capital.

Primary sources used

Financial results for the year ended March 2026 (Japanese)

Mitsubishi UFJ Financial Group, Inc. · 2026-05-15

Pages used: p.4,22 / p.22

Open source →

FY2025 annual investor presentation (Japanese)

Mitsubishi UFJ Financial Group, Inc. · 2026-05-19

Pages used: p.16 / p.26 / p.50