Loans and Allowance for Credit Losses [Text Block] | 4. LOANS AND ALLOWANCE FOR CREDIT LOSSES Loans at March 31, 2019 and September 30, 2019 by domicile and industry of the borrower are summarized below. Classification of loans by industry is based on the industry segment loan classifications as defined by the Bank of Japan. March 31, September 30, (in millions) Domestic: Manufacturing ¥ 11,153,996 ¥ 11,135,322 Construction 717,664 700,550 Real estate 11,706,419 11,566,390 Services 2,653,191 2,632,130 Wholesale and retail 7,643,397 7,335,637 Banks and other financial institutions (1) 5,213,020 5,086,664 Communication and information services 1,510,596 1,526,814 Other industries 8,756,483 8,576,044 Consumer 15,802,024 15,542,007 Total domestic 65,156,790 64,101,558 Foreign: Governments and official institutions 841,695 763,483 Banks and other financial institutions (1) 11,641,373 11,068,930 Commercial and industrial 31,951,169 31,438,990 Other 7,597,502 8,209,329 Total foreign 52,031,739 51,480,732 Unearned income, unamortized premiums—net and deferred loan fees—net (304,588 ) (318,880 ) Total (2) ¥ 116,883,941 ¥ 115,263,410 Notes: (1) Loans to so-called “non-bank Non-bank (2) The above table includes loans held for sale of ¥ 291,794 393,781 The MUFG Group classifies its loan portfolio into the following portfolio segments—Commercial, Residential, Card, MUFG Americas Holdings, Bank of Ayudhya Public Company Limited (“Krungsri”), and Other based on the grouping used by the MUFG Group to determine the allowance for credit losses. The MUFG Group further classifies the Commercial segment into classes based on initial measurement attributes, risk characteristics, and its method of monitoring and assessing credit risk. See Note 1 to the consolidated financial statements for the fiscal year ended March 31, 2019 for further information. Nonaccrual Loans Originated loans are generally placed on nonaccrual status when substantial doubt exists as to the full and timely collection of either principal or interest, when principal or interest is contractually past due one month or more with respect to loans within all classes of the Commercial segment, three months or more with respect to loans within the Card, MUFG Americas Holdings, and Krungsri segments, and six months or more with respect to loans within the Residential segment. See Note 1 to the consolidated financial statements for the fiscal year ended March 31, 2019 for further information. The nonaccrual loans by class at March 31, 2019 and September 30, 2019 is shown below: March 31, September 30, (in millions) Commercial Domestic ¥ 272,777 ¥ 291,435 Manufacturing 65,896 68,232 Construction 9,813 8,944 Real estate 23,152 20,966 Services 26,188 49,172 Wholesale and retail 94,531 96,017 Banks and other financial institutions 898 860 Communication and information services 11,955 11,449 Other industries 25,406 22,572 Consumer 14,938 13,223 Foreign 111,002 101,241 Residential 68,499 65,819 Card 61,419 62,246 MUAH 46,549 55,635 Krungsri 127,424 130,831 Other — 20,107 Total (1) ¥ 687,670 ¥ 727,314 Note: (1) The above table does not include loans held for sale of ¥ 12,702 11,759 6,284 12,462 Impaired Loans The MUFG Group’s impaired loans primarily include nonaccrual loans and troubled debt restructurings (“TDRs”). The following table shows information about impaired loans by class at March 31, 2019 and September 30, 2019: Recorded Loan Balance At March 31, 2019: Requiring Not Requiring (1) Total (2) Unpaid Related (in millions) Commercial Domestic ¥ 560,474 ¥ 157,465 ¥ 717,939 ¥ 759,399 ¥ 227,004 Manufacturing 349,597 28,189 377,786 384,306 92,919 Construction 8,366 5,975 14,341 14,779 6,574 Real estate 20,848 29,961 50,809 55,943 5,704 Services 30,239 13,020 43,259 46,838 20,059 Wholesale and retail 118,253 45,620 163,873 175,714 84,503 Banks and other financial institutions 1,012 21 1,033 1,033 830 Communication and information services 8,794 6,929 15,723 16,587 6,817 Other industries 13,772 17,989 31,761 38,342 6,874 Consumer 9,593 9,761 19,354 25,857 2,724 Foreign 127,521 34,484 162,005 183,133 85,966 Loans acquired with deteriorated credit quality 8,136 — 8,136 14,990 5,450 Residential (4) 97,176 6,495 103,671 120,526 14,357 Card (4) 64,691 330 65,021 72,226 21,829 MUAH (4) 46,552 23,208 69,760 83,300 8,294 Krungsri (4) 57,066 26,193 83,259 90,377 28,254 Total (3) ¥ 961,616 ¥ 248,175 ¥ 1,209,791 ¥ 1,323,951 ¥ 391,154 Recorded Loan Balance At September 30, 2019: Requiring Not Requiring (1) Total (2) Unpaid Related (in millions) Commercial Domestic ¥ 564,458 ¥ 152,097 ¥ 716,555 ¥ 755,988 ¥ 235,107 Manufacturing 346,580 30,272 376,852 383,364 90,210 Construction 7,566 5,498 13,064 13,282 5,790 Real estate 17,133 28,563 45,696 50,856 4,856 Services 49,565 14,824 64,389 68,261 35,299 Wholesale and retail 117,234 39,960 157,194 167,279 83,897 Banks and other financial 937 42 979 979 773 Communication and information services 8,471 6,439 14,910 16,147 6,640 Other industries 8,625 18,644 27,269 33,708 5,243 Consumer 8,347 7,855 16,202 22,112 2,399 Foreign 134,365 36,966 171,331 191,514 92,694 Loans acquired with deteriorated credit quality 7,103 — 7,103 14,367 5,086 Residential (4) 91,551 6,595 98,146 114,610 13,766 Card (4) 64,906 337 65,243 72,511 19,830 MUAH (4) 52,873 30,611 83,484 103,903 9,018 Krungsri (4) 65,819 26,481 92,300 99,254 29,878 Other (4) 16,054 — 16,054 16,622 1,210 Total (3) ¥ 997,129 ¥ 253,087 ¥ 1,250,216 ¥ 1,368,769 ¥ 406,589 Notes: (1) These loans do not require an allowance for credit losses because the recorded loan balance equals, or does not exceed, the present value of expected future cash flows discounted at the loans’ original effective interest rate, loans’ observable market price, or the fair value of the collateral if the loan is a collateral-dependent loan. (2) Included in impaired loans at March 31, 2019 and September 30, 2019 are accrual TDRs as follows: ¥ 497,013 34,449 31,715 26,183 33,155 26,851 34,213 (3) In addition to impaired loans presented in the above table, there were impaired loans held for sale of ¥12,702 million and ¥14,554 million at March 31, 2019 and September 30, 2019, respectively. (4) Impaired Loans for Residential, Card, MUAH, Krungsri and Other segments in the above table include loans acquired with deteriorated credit quality. The following table shows information regarding the average recorded loan balance and recognized interest income on impaired loans for the six months ended September 30, 2018 and 2019: 2018 2019 Average Recognized Average Recognized (in millions) Commercial Domestic ¥ 796,431 ¥ 5,846 ¥ 717,249 ¥ 5,151 Manufacturing 392,695 2,787 377,319 2,558 Construction 16,393 162 13,704 116 Real estate 61,434 544 48,253 452 Services 51,767 420 53,824 390 Wholesale and retail 175,516 1,385 160,534 1,248 Banks and other financial institutions 1,474 4 1,007 3 Communication and information services 25,854 246 15,317 159 Other industries 48,080 91 29,515 93 Consumer 23,218 207 17,776 132 Foreign 153,708 1,598 163,110 1,359 Loans acquired with deteriorated credit quality 7,648 194 7,636 113 Residential 108,914 856 100,910 700 Card 66,762 857 65,132 651 MUAH 66,505 955 84,488 1,025 Krungsri 83,239 2,640 88,624 2,828 Other — — 4,066 66 Total ¥ 1,283,207 ¥ 12,946 ¥ 1,231,215 ¥ 11,893 Interest income on nonaccrual loans for all classes was recognized on a cash basis when ultimate collectibility of principal was certain. Otherwise, cash receipts were applied as principal reductions. Interest income on accruing impaired loans, including TDRs, was recognized on an accrual basis to the extent that the collectibility of interest income was reasonably certain based on management’s assessment. The following table shows a roll-forward of accrual TDRs and other impaired loans (including nonaccrual TDRs) for the six months ended September 30, 2018 and 2019: 2018 2019 (in millions) Accrual TDRs: Balance at beginning of period ¥ 670,255 ¥ 617,651 Additions (new accrual TDR status) (1) 40,021 83,196 Transfers to other impaired loans (including nonaccrual TDRs) (9,623 ) (16,694 ) Loans sold (26 ) — Principal payments and other (46,855 ) (54,609 ) Balance at end of period (1) ¥ 653,772 ¥ 629,544 Other impaired loans (including nonaccrual TDRs): Balance at beginning of period ¥ 660,868 ¥ 592,140 Additions (new other impaired loans (including nonaccrual TDRs) status) (1)(2) 97,596 192,692 Charge-off (28,410 ) (20,679 ) Transfers to accrual TDRs (14,548 ) (31,522 ) Loans sold (2,496 ) (14,113 ) Principal payments and other (112,026 ) (97,846 ) Balance at end of period (1) ¥ 600,984 ¥ 620,672 Notes: (1) For the six months ended September 30, 2018, lease receivables of ¥ 538 50 3,642 1,135 918 228 segment, and ¥69 million and nil segment, which were accrual TDRs and nonaccrual TDRs, respectively, are excluded from the additions of accrual TDRs and other impaired loans, respectively, and the related ending balances of such TDRs amounting to ¥ 5,037 3,529 in the Krungsri segment, and ¥68 million and nil are also excluded from the balance of accrual TDRs and other impaired loans, respectively, as of September 30, 2019. (2) Included in the additions of other impaired loans for the six months ended September 30, 2018 and 2019 are nonaccrual TDRs as follows: ¥6,870 million and ¥7,741 million—Card; ¥9,809 million and ¥7,904 million—MUFG Americas Holdings; ¥6,499 million and ¥4,478 million— Troubled Debt Restructurings The following table summarizes the MUFG Group’s TDRs by class for the six months ended September 30, 2018 and 2019: 2018 2019 Troubled Debt Troubled Debt Troubled Debt Troubled Debt Pre- Post- Recorded Pre- Post- Recorded (in millions) Commercial (1)(3) Domestic ¥ 20,440 ¥ 20,440 ¥ 1,643 ¥ 20,607 ¥ 20,607 ¥ 6,342 Manufacturing 4,594 4,594 74 9,120 9,120 2,544 Construction 43 43 — 42 42 — Real estate 561 561 — 254 254 — Services 1,505 1,505 436 2,422 2,422 2 Wholesale and retail 12,240 12,240 615 7,779 7,779 3,708 Banks and other financial institutions — — — — — — Communication and information services 156 156 518 240 240 — Other industries 312 312 — 615 615 — Consumer 1,029 1,029 — 135 135 88 Foreign 5,649 5,649 — 29,360 29,360 — Loans acquired with deteriorated credit quality — — — — — — Residential (1)(3) 4,235 4,235 83 3,215 3,215 27 Card (2)(3) 10,382 9,953 1,810 11,900 11,362 1,825 MUAH (2)(3) 11,621 11,621 199 18,766 18,656 4,572 Krungsri (2)(3) 11,889 11,889 3,545 16,724 16,695 3,815 Other (2) — — — 5,117 5,117 — Total ¥ 64,216 ¥ 63,787 ¥ 7,280 ¥ 105,689 ¥ 105,012 ¥ 16,581 Notes: (1) TDRs for the Commercial and Residential segments include accruing loans, and do not include nonaccrual loans. (2) TDRs for the Card, MUFG Americas Holdings , (3) For the six months ended September 30, 2018, extension of the stated maturity date of loans was the primary concession type in the Commercial, Residential, MUFG Americas Holdings and Krungsri segments, and reduction in the stated rate was the primary concession type in the Card segment. For the six months ended September 30, 2019, extension of the stated maturity date of loans was the primary concession type in the Commercial and Residential segments, reduction in the stated rate was the primary concession type in the Card segment, and some combination thereof were the primary concession type in the MUFG Americas Holdings and Krungsri segments. The following table summarizes outstanding recorded investment balances of TDRs by class at March 31, 2019 and September 30, 2019: March 31, September 30, (in millions) Commercial (1) Domestic ¥ 445,312 ¥ 425,231 Manufacturing 311,890 308,620 Construction 4,591 4,176 Real estate 27,657 24,730 Services 17,135 15,257 Wholesale and retail 69,350 61,182 Banks and other financial institutions 135 120 Communication and information services 3,780 3,468 Other industries 6,357 4,699 Consumer 4,417 2,979 Foreign 51,701 70,140 Residential (1) 34,449 31,715 Card (2) 65,021 65,243 MUAH (2) 48,128 58,063 Krungsri (2) 62,980 72,333 Other (2) — 5,052 Total ¥ 707,591 ¥ 727,777 Notes: (1) TDRs for the Commercial and Residential segments include accruing loans and do not include nonaccrual loans. (2) TDRs for the Card, MUFG Americas Holdings, Krungsri and Other segments include accrual and nonaccrual loans. Included in the outstanding recorded investment balances as of March 31, 2019 and September 30, 2019 are nonaccrual TDRs as follows: ¥ 38,838 39,637 14,973 19,936 31,069 33,083 ; and 472 A modification of terms of a loan under a TDR mainly involves: (i) a reduction in the stated interest rate applicable to the loan, (ii) an extension of the stated maturity date of the loan, (iii) a partial forgiveness of the principal of the loan, or (iv) a combination of all of these. Those loans are also considered impaired loans, and hence the allowance for credit losses is separately established for each loan. As a result, the amount of allowance for credit losses increases in many cases upon classification as a TDR loan. The amount of pre-modification TDRs for the Commercial and Residential segments in the above tables include accruing loans, and do not include nonaccrual loans. Once a loan is classified as a nonaccrual loan, a modification would have little likelihood of resulting in the recovery of the loan in view of the severity of the financial difficulty of the borrower. Therefore, even if a nonaccrual loan is modified, the loan continues to be classified as a nonaccrual loan. The vast majority of modifications to nonaccrual loans are temporary extensions of the maturity dates, typically for periods up to 90 days, and continually made as the borrower is unable to repay or refinance the loan at the extended maturity. Accordingly, the impact of such TDRs on the outstanding recorded investment is immaterial, and the vast majority of nonaccrual TDRs have subsequently defaulted. TDRs that subsequently defaulted in the Commercial and Residential segments in the above tables include those accruing loans that became past due one month or more within the Commercial segment and six months or more within the Residential segment, and those accruing loans reclassified to nonaccrual loans due to financial difficulties even without delinquencies. This is because classification as a nonaccrual loan is regarded as default under the MUFG Group’s credit policy. Also, the MUFG Group defines default as payment default for the purpose of the disclosure. In regards to the Card, MUFG Americas Holdings, Krungsri and Other segments, the TDRs in the above tables represent nonaccrual and accruing loans, and the defaulted loans in the above table represent nonaccruing and accruing loans that became past due one month or more within the Card segment, 60 days or more within the MUFG Americas Holdings segment, and six months or more within the Krungsri segment. Historical payment defaults are one of the factors considered when projecting future cash flows in determining the allowance for credit losses for each segment. Credit Quality Indicator Credit quality indicators of loans by class at March 31, 2019 and September 30, 2019 are shown below: At March 31, 2019: Normal Close Likely to become Total (1) (in millions) Commercial Domestic ¥ 49,391,991 ¥ 1,242,075 ¥ 217,745 ¥ 50,851,811 Manufacturing 10,819,594 279,801 47,968 11,147,363 Construction 672,152 37,236 7,857 717,245 Real estate 11,403,613 222,791 22,515 11,648,919 Services 2,436,489 174,784 19,953 2,631,226 Wholesale and retail 7,240,801 329,249 68,736 7,638,786 Banks and other financial institutions 5,199,889 7,654 898 5,208,441 Communication and information services 1,465,652 34,542 10,172 1,510,366 Other industries 8,610,464 119,581 24,947 8,754,992 Consumer 1,543,337 36,437 14,699 1,594,473 Foreign 35,418,267 562,854 112,103 36,093,224 Loans acquired with deteriorated credit quality 11,622 10,833 3,790 26,245 Total ¥ 84,821,880 ¥ 1,815,762 ¥ 333,638 ¥ 86,971,280 Accrual Nonaccrual Total (1) (in millions) Residential ¥ 13,661,794 ¥ 66,290 ¥ 13,728,084 Card ¥ 516,983 ¥ 61,599 ¥ 578,582 Credit Quality Based on Credit Quality Based on Accrual Nonaccrual Pass Special Classified Total (1)(2) (in millions) MUAH ¥ 4,752,021 ¥ 15,540 ¥ 4,699,698 ¥ 51,948 ¥ 88,356 ¥ 9,607,563 Normal Special Substandard or Total (1) (in millions) Krungsri ¥ 5,682,245 ¥ 199,070 ¥ 129,222 ¥ 6,010,537 At September 30, 2019: Normal Close Likely to become Total (1) (in millions) Commercial Domestic ¥ 48,621,489 ¥ 1,121,861 ¥ 211,209 ¥ 49,954,559 Manufacturing 10,772,765 277,025 44,962 11,094,752 Construction 659,171 33,812 7,191 700,174 Real estate 11,308,023 184,868 20,665 11,513,556 Services 2,437,279 155,459 21,235 2,613,973 Wholesale and retail 6,957,169 289,119 72,255 7,318,543 Banks and other financial institutions 5,053,997 7,332 860 5,062,189 Communication and information services 1,484,370 32,607 9,614 1,526,591 Other industries 8,442,000 109,763 21,522 8,573,285 Consumer 1,506,715 31,876 12,905 1,551,496 Foreign 33,355,422 547,441 97,932 34,000,795 Loans acquired with deteriorated credit quality 10,708 9,958 2,826 23,492 Total ¥ 81,987,619 ¥ 1,679,260 ¥ 311,967 ¥ 83,978,846 Accrual Nonaccrual Total (1) (in millions) Residential ¥ 13,451,371 ¥ 63,697 ¥ 13,515,068 Card ¥ 506,130 ¥ 62,398 ¥ 568,528 Credit Quality Based on Credit Quality Based on Accrual Nonaccrual Pass Special Classified Total (1)(2) (in millions) MUAH ¥ 4,738,147 ¥ 14,983 ¥ 4,586,635 ¥ 82,567 ¥ 100,355 ¥ 9,522,687 Normal Special Substandard or Total (1) (in millions) Krungsri ¥ 6,156,695 ¥ 207,183 ¥ 132,678 ¥ 6,496,556 Accrual Nonaccrual Total (1) (in millions) Other ¥ 1,078,936 ¥ 27,309 ¥ 1,106,245 Notes: (1 ) Total loans in the above table do not include loans held for sale, and represent balances without adjustments in relation to unearned income, unamortized premiums and deferred loan fees. (2 ) Total loans of MUFG Americas Holdings do not include Federal Deposit Insurance Corporation (“FDIC”) covered loans which are not individually rated totaling ¥689 million and ¥579 million at March 31, 2019 and September 30, 2019, respectively. The MUFG Group will be reimbursed for a substantial portion of any future losses on FDIC covered loans under the terms of the FDIC loss share agreements. For a discussion and explanation of the MUFG Group’s credit quality indicator, see Note 4 to the consolidated financial statements for the fiscal year ended March 31, 2019. For the Commercial, Residential and Card segments, credit quality indicators at March , and September , are based on information as of March , and September , , . For the MUFG Americas Past Due Analysis Ages of past due loans by class at March 31, 2019 and September 30, 2019 are shown below: At March 31, 2019: 1-3 Greater Total Current Total (1) Recorded (in millions) Commercial Domestic ¥ 11,551 ¥ 30,648 ¥ 42,199 ¥ 50,809,612 ¥ 50,851,811 ¥ 6,900 Manufacturing 1,597 3,036 4,633 11,142,730 11,147,363 — Construction 218 60 278 716,967 717,245 1 Real estate 2,034 4,256 6,290 11,642,629 11,648,919 2,524 Services 778 569 1,347 2,629,879 2,631,226 1 Wholesale and retail 2,791 2,390 5,181 7,633,605 7,638,786 62 Banks and other financial institutions — 21 21 5,208,420 5,208,441 — Communication and information services 411 758 1,169 1,509,197 1,510,366 — Other industries 365 13,037 13,402 8,741,590 8,754,992 — Consumer 3,357 6,521 9,878 1,584,595 1,594,473 4,312 Foreign 10,881 19,993 30,874 36,062,350 36,093,224 236 Residential 62,686 16,615 79,301 13,641,449 13,720,750 6,584 Card 17,203 30,568 47,771 527,421 575,192 — MUAH 28,696 10,827 39,523 9,557,501 9,597,024 2,287 Krungsri 126,313 106,777 233,090 5,771,541 6,004,631 — Total ¥ 257,330 ¥ 215,428 ¥ 472,758 ¥ 116,369,874 ¥ 116,842,632 ¥ 16,007 At September 30, 2019: 1-3 Greater Total Current Total (1) Recorded (in millions) Commercial Domestic ¥ 10,355 ¥ 35,204 ¥ 45,559 ¥ 49,909,000 ¥ 49,954,559 ¥ 5,800 Manufacturing 1,367 1,744 3,111 11,091,641 11,094,752 2 Construction 26 97 123 700,051 700,174 — Real estate 1,311 3,828 5,139 11,508,417 11,513,556 1,736 Services 1,317 1,156 2,473 2,611,500 2,613,973 31 Wholesale and retail 2,730 7,640 10,370 7,308,173 7,318,543 — Banks and other financial institutions — 21 21 5,062,168 5,062,189 — Communication and information services 199 864 1,063 1,525,528 1,526,591 7 Other industries 79 14,205 14,284 8,559,001 8,573,285 — Consumer 3,326 5,649 8,975 1,542,521 1,551,496 4,024 Foreign 16,252 17,417 33,669 33,967,126 34,000,795 21 Residential 56,580 16,082 72,662 13,435,300 13,507,962 6,096 Card 16,599 30,340 46,939 518,427 565,366 — MUAH 36,588 19,706 56,294 9,458,170 9,514,464 1,374 Krungsri 131,259 110,259 241,518 6,249,090 6,490,608 — Other 17,960 18,745 36,705 1,055,502 1,092,207 — Total ¥ 285,593 ¥ 247,753 ¥ 533,346 ¥ 114,592,615 ¥ 115,125,961 ¥ 13,291 Note: (1) Total loans in the above table do not include loans held for sale and loans acquired with deteriorated credit quality and represent balances without adjustments in relation to unearned income, unamortized premiums and deferred loan fees. Allowance for Credit Losses Changes in the allowance for credit losses by portfolio segment for the six months ended September 30, 2018 and 2019 are shown below: Six months ended September 30, 2018: Commercial Residential Card MUAH Krungsri Total (in millions) Allowance for credit losses: Balance at beginning of period ¥ 491,098 ¥ 42,546 ¥ 32,119 ¥ 53,765 ¥ 144,596 ¥ 764,124 Provision for (reversal of) credit losses (104,297 ) (1,651 ) 12,400 1,423 21,065 (71,060 ) Charge-offs 22,432 1,648 12,401 7,909 30,213 74,603 Recoveries 6,616 416 500 1,448 10,119 19,099 Net charge-offs 15,816 1,232 11,901 6,461 20,094 55,504 Others (1) 3,368 — — (1,274 ) (5,045 ) (2,951 ) Balance at end of period ¥ 374,353 ¥ 39,663 ¥ 32,618 ¥ 47,453 ¥ 140,522 ¥ 634,609 Six months ended September 30, 2019: Commercial Residential Card MUAH Krungsri Other Total (in millions) Allowance for credit losses: Balance at beginning of period ¥ 389,615 ¥ 38,626 ¥ 32,550 ¥ 52,581 ¥ 144,812 ¥ — ¥ 658,184 Provision for credit losses 28,388 130 14,456 17,950 24,902 16,295 102,121 Charge-offs 29,033 2,093 12,715 16,266 36,240 6,223 102,570 Recoveries 15,612 355 721 2,791 11,115 2,420 33,014 Net charge-offs 13,421 1,738 11,994 13,475 25,125 3,803 69,556 Others (1) (3,410 ) — — (1,613 ) 3,568 1,379 (76 ) Balance at end of period ¥ 401,172 ¥ 37,018 ¥ 35,012 ¥ 55,443 ¥ 148,157 ¥ 13,871 ¥ 690,673 Note: (1 ) Others are principally comprised of gains or losses from foreign exchange translation. Allowance for credit losses and recorded investment in loans by portfolio segment at March 31, 2019 and September 30, 2019 are shown below: At March 31, 2019: Commercial Residential Card MUAH Krungsri Total (in millions) Allowance for credit losses: Individually evaluated for impairment ¥ 312,970 ¥ 14,175 ¥ 21,829 ¥ 8,294 ¥ 28,254 ¥ 385,522 Collectively evaluated for impairment 63,366 23,413 10,708 44,282 116,529 258,298 Loans acquired with deteriorated credit quality (2) 13,279 1,038 13 5 29 14,364 Total ¥ 389,615 ¥ 38,626 ¥ 32,550 ¥ 52,581 ¥ 144,812 ¥ 658,184 Loans: Individually evaluated for impairment ¥ 879,944 ¥ 102,948 ¥ 64,752 ¥ 69,760 ¥ 83,259 ¥ 1,200,663 Collectively evaluated for impairment 86,065,091 13,617,802 510,440 9,527,264 5,921,372 115,641,969 Loans acquired with deteriorated credit quality (2) 26,245 7,334 3,390 11,228 5,906 54,103 Total (1) ¥ 86,971,280 ¥ 13,728,084 ¥ 578,582 ¥ 9,608,252 ¥ 6,010,537 ¥ 116,896,735 At September 30, 2019: Commercial Residential Card MUAH Krungsri Other Total (in millions) Allowance for credit losses: Individually evaluated for impairment ¥ 327,801 ¥ 13,597 ¥ 19,830 ¥ 9,018 ¥ 29,878 ¥ 462 ¥ 400,586 Collectively evaluated for impairment 61,397 22,159 15,175 46,420 118,251 12,660 276,062 Loans acquired with deteriorated credit quality (2) 11,974 1,262 7 5 28 749 14,025 Total ¥ 401,172 ¥ 37,018 ¥ 35,012 ¥ 55,443 ¥ 148,157 ¥ 13,871 ¥ 690,673 Loans: Individually evaluated for impairment ¥ 887,886 ¥ 97,534 ¥ 65,004 ¥ 83,484 ¥ 92,300 ¥ 8,901 ¥ 1,235,109 Collectively evaluated for impairment 83,067,468 13,410,428 500,362 9,430,980 6,398,308 1,083,306 113,890,852 Loans acquired with deteriorated credit quality (2) 23,492 7,106 3,162 8,802 5,948 14,038 62,548 Total (1) ¥ 83,978,846 ¥ 13,515,068 ¥ 568,528 ¥ 9,523,266 ¥ 6,496,556 ¥ 1,106,245 ¥ 115,188,509 Notes: (1 ) Total loans in the above table do not include loans held for sale, and represent balances without adjustments in relation to unearned income, unamortized premiums and deferred loan fees. (2 ) Loans acquired with deteriorated credit quality in the above table include impaired loans which are individually evaluated for impairment. The MUFG Group sold ¥590 billion and ¥816 billion of loans within the Commercial segment during the six months ended September 30, 2018 and 2019, respectively. |