Presentation Presentation ofof

The Bank of TokyoThe Bank of Tokyo--Mitsubishi UFJ, Ltd.Mitsubishi UFJ, Ltd.

Financial Highlights

Apr. 1996 : The Bank of Tokyo-Mitsubishi, Ltd (“BTM”) was established from the merger of Mitsubishi Bank and Bank of Tokyo.

Oct. 2005 : Mitsubishi UFJ Financial Group Inc. (“MUFG”) was formed.

Jan. 2006 : The Bank of Tokyo-Mitsubishi, Ltd. and UFJ Bank Limited merged to form The Bank of Tokyo-Mitsubishi UFJ, Ltd. (BTMU)

Highlights

MUFG has the highest market capitalization among Japanese banks and ranks 12th among global financial institutions at April 2007;

The first Japanese banking group listed on the NY Stock Exchange (since 1989), SEC-registered, and fully compliant with US GAAP;

A significant domestic and overseas network (over 400 offices outside Japan in over 40 countries);

Ranking among Global Financial InstitutionsRanking among Global Financial Institutions

USD 106.4 billion15. Wachovia

USD 109.6 billion14. BNP Paribas

USD 117.7 billion13. Banco Santander Central Hispano

USD 118.8 billion12. Mitsubishi UFJ Financial Group

USD 122.0 billion11. Berkshire Hathaway

USD 122.6 billion10. Wells Fargo & Co.

USD 128.0 billion9. Royal Bank of Scotland Group

USD 136.4 billion8. UBS

USD 140.3 billion7. China Construction Bank

USD 180.9 billion6. American International Group

USD 182.5 billion5. JPMorgan Chase & Co.

USD 215.8 billion4. HSBC Holdings

USD 219.0 billion3. Industrial and Commercial Bank of China

USD 228.3 billion2. Bank of America

USD 261.9 billion1. Citigroup

Source: Datastream, 20 April 2007

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Network - Global and Domestic

Eastern JapanRetail branches: 460CBO: 194Tokyo Metropolitan Area (437 retails / 170 corporate)

Western JapanRetail branches: 253 CBO: 119

Central JapanRetail branches: 165CBO: 79

Europe / Middle East: 27

OverseasAmericas: 26+ Union Bank of California: 322 branches

Domestic

Asia/Oceania: 50

As of September 2006

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Network - Europe

London

Madrid

BTMU (Holland)

Barcelona

Paris

Birmingham

Dusseldorf

Hamburg

BTMU (Eurasia) & Moscow Representative Office

Berlin

Munchen

MU Wealth Management Bank

Lisbon

Milan

BTMUH (Prague)BTMUH (Vienna)

BTMUH (Poland)

MU Global Custody

Brussels Frankfurt

Subsidiaries, Branch offices and sub-branches are indicated in Red and Rep offices are in blue.

Ｓｔ．Ｐｅｔｅｒｓｂｕｒｇ

ＡｌｍａｔｙRepresentative Office

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Network – Group Capabilities

Mitsubishi UFJ Financial Group

Mitsubishi UFJ Trust and Banking

Mitsubishi UFJ Securities

Credit cardsMitsubishi UFJ NICOS*

Bank of Tokyo-Mitsubishi UFJ

Consumer loansACOM

DC Cash OneMobit

LeasingMitsubishi UFJ Lease &

Finance**

Online securitieskabu.com Securities

Real Estate BrokerageMitsubishi UFJ Real Estate

Services

ServicerMU Frontier Servicer

Wealth managementMitsubishi UFJ Wealth

Management Securities

Mitsubishi UFJ Merrill Lynch PB Securities

UFJ PLAZA21

Asset ManagementMitsubishi UFJ Asset

ManagementMU Investments

ITDiamond Computer Service

UFJISUFJ & Hitachi Systems

Investment Trusts401K Pension

The Master Trust Bank of JapanDefined Contribution Plan

Consulting of Japan

Overseas subsidiaryUnion Bank of California

Mitsubishi UFJ SecuritiesInternational

Venture Capital, Factoring

Mitsubishi UFJ Capital

Mitsubishi UFJ Factors

*DC Card and UFJ NICOS merged as of 4/1/07 to become Mitsubishi UFJ NICOS.

**Diamond Lease and UFJ Central Lease merged as of 4/1/07 to become Mitsubishi UFJ Lease & Finance.

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Product Line-up

Reducing HR Management Costs

Cash/Deposit

Receivables/PromissoryNotes Receivables

Inventory

Deferred Tax Assets

Other Current Assets

Tangible Fixed Assets

Intangible Fixed Assets

Investments

Other Fixed Assets

Promissory NotesPayables

Payables

Short-termBorrowings

Deferred TaxLiabilities

Other CurrentLiabilities

Long-termBorrowings

Bonds

Pension Liabilities

Capital

●Syndicated Loan●Seiho Loan

Efficient Funding

B/S Slimming = “Off B/S”

●Commitment Line●Domestic/Global CMS

●ABCP●Factoring●Forfeiting

●Premises Securitization●Lease

B/S Slimming = “Off B/S”

●Commitment Line

Diversification of Finance

●Direct Finance fromthe Capital Market

●Debt Assumption

Sales Management

●Payables ”Off B/S”

B/S Slimming = Liquidity

Reducing PurchaseManagement Costs

●Ikkatsu Factoring System

B/S Slimming = Cash

●Receivables ManagementService

●Japanese 401(k) Plan

●Security DepositLiquidation

Assets Liabilities

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Best Business Partner Best Business Partner

in Russiain Russia

ZAO Bank of Tokyo-Mitsubishi UFJ (Eurasia)

Moscow Representative Office

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Why BTMU in Russia

Valuable financing schemeValuable financing schemeand and

consultation advisory serviceconsultation advisory service

Considerable experienceConsiderable experienceIn RussiaIn Russia

Effective, stable Effective, stable and mature operationsand mature operations

Wide range of payment Wide range of payment and collection solutions and collection solutions

forfordomestic CMS needsdomestic CMS needs

The closest bank The closest bank for for

your group world wideyour group world wide

BTMU meetsBTMU meetsyour requirements !!your requirements !!

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Our Business Development in Russia

BTMU Group : History in Russian Market

July 1992, “Bank of Tokyo” established Representative Office in Moscow for the first time as a bank in Japan. Between 2001and 2007, our Senior Advisor (former president) of BTMU played the chairman of “Japan Association for Trade with Russia & Central Eastern Europe (RONIS)”.On 1st of Nov. 2006, BTMU has opened “ZAO Bank of Tokyo-MitsubishiUFJ (Eurasia)” . First subsidiary bank in Russia among Japanese MEGA-Banks.On 24th of April 2008, BTMU (Eurasia) has opened Representative Office inSaint-Petersburg for the first time as a bank in Japan. June 2008, BTMU announced to establish Representative Office in Almaty(Kazakhstan).

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Our Business Development in Russia

BTMU Group : Activities in Russian MarketCorrespondent Arrangements

Correspondent Arrangements with 150 Russian banks.

Trade Finance, FOREX Transactions

C/L for over 20 Russian banks for Trade Finance L/C confirmation, L/G, etc.

Arranger for Syndicated Loan & Structured Trade Finance for Russian Banks & Companies

Securitization (Auto-Loan, Consumer Loan)

Cooperation with MDM Bank, Raiffeisen Bank, etc.

Memorandum of Understanding

The Government of Saint-Petersburg, and VTB Bank, etc.

ZAO Bank of Tokyo-Mitsubishi UFJ (EURASIA)

Japanese corporate banking, more than 100 clients among Japanese

Communities

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Our Business Development in Russia

Syndicated Loan & Structured Trade Finance

Target ;

* Major Russian Banks

* Blue-Chip companies : Oil Gas Industry / Steel / Aluminum /

Retail Whole Seller / Pipe , etc

In 2008 Y 1st Half , BTMU occupied the 9 th place among Western Banks

in the Russian & CEE syndicated loan markets as Mandated Lead Arranger. Russia, CIS, and Central and Eastern EuropeBookrunner - Syndicated Loans

2007 2008 Jan. - June

Bank name $ M's Number Bank name $ M's Number1 Societe Generale 9,602.32 24 1 RBS 3,898.17 172 ABN AMRO 9,333.22 24 2 BNP Paribas 3,585.73 213 BNP Paribas 8,651.80 32 3 Calyon 2,910.61 124 Morgan Stanley 6,894.67 9 4 ING 2,902.93 175 CITI 6,573.13 22 5 Barclays Capital 2,848.91 146 Calyon 6,261.94 30 6 CITI 1,983.46 87 Barclays Capital 4,259.91 14 7 Uni Credit Group 1,787.88 138 ING 3,874.28 26 8 SMBC 1,707.98 99 JP Morgan 3,816.45 11 9 BTMU 1,610.55 1110 Goldman Sachs 3,690.71 9 10 West LB 1,405.67 1012 MUFG 2,562.77 19

Loanware 31st December 2006 - apportioned - volume

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ZAO BTMU (EURASIA)

OUTLINE Licensed Aug. 17, 2006 / Opened Nov. 01, 2006Paid capital JPY13.0 bio.

Japanese Corporate Banking 40% market share among Japanese companies in Moscow, more than 100 clients 4 Japanese Staff, 3 NS (Front), Treasurer, Currency Controller Total 40 staffs

Service Domestic & Foreign RemittanceLoan (Ruble, USD, EURO, JPY, etc. : short term, long term)FOREX (SPOT / Forward : short term, long term)Deposit (Ruble, USD, EURO, JPY, etc. : short term, long term)Guarantee / Bond (Performance Bond, Bid Bond, etc.)

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Profile / BTMU Group In Russia

ZAO Bank of Tokyo-Mitsubishi UFJ (Eurasia)

Address ： (Moscow Head Office)

7th Floor, Business center “Romanov Dvor-2”

Bld. 2, 4 Romanov Per., Moscow 103009 Russia

(St. Petersburg Rep. Office)

1/25,A, Office 36, Kazanskaya street, St.Petersburg, 191186,

Russia

Number of employees： 40 (Japanese Staff : 4)

Business ： Loans, deposits, remittance, money orders (transfer) contents

and other operations of commercial bank (corporate only)

Major Clients : Main Japanese Companies in Russia,

Russian banks and enterprises

BTMU Moscow Representative OfficeAddress : same with BTMU Eurasia

Number of employees : 4 (Japanese Staff : 1)

Business ： Support of Trade Finance, Syndicated Loan, Structured Trade Finance in Russia, NIS countries

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BTMU Eurasia, Moscow Rep. Office

ZAO Bank of Tokyo-Mitsubishi UFJ (Eurasia) BTMU Moscow Representative Office

7th Floor, Business center “Romanov Dvor-2”Bld. 2, 4 Romanov per., Moscow 103009 Russia

Tel. +7 (495) 225-8999

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MAP (St. Petersburg Rep. Office)

ZAO Bank of Tokyo-Mitsubishi UFJ (Eurasia)

1/25,A, Office 36, Kazanskaya Street, St.Petersburg, 191186, RussiaTel. +7 (812) 336-7325, 7326

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The information herein is provided for information purposes only, and is not to be used or considered as an offer or the solicitation of an offer to sell or to buy or subscribe for securities or other financial instruments. Neither this nor any other communication prepared by The Bank of Tokyo- Mitsubishi UFJ, Ltd. (collectively with its various offices and affiliates, "BTMU") is or should be construed as investment advice, a recommendation to enter into a particular transaction or pursue a particular strategy, or any statement as to the likelihood that a particular transaction or strategy will be effective in light of your business objectives or operations. Before entering into any particular transaction, you are advised to obtain such independent financial, legal, accounting and other advice as may be appropriate under the circumstances. In any event, any decision to enter into a transaction will be yours alone, not based on information prepared or provided by BTMU. BTMU hereby disclaims any responsibility to you concerning the characterization or identification of terms, conditions, and legal or accounting or other issues or risks that may arise in connection with any particular transaction or business strategy. Note that BTMU may have issued, and may in the future issue, other reports that are inconsistent with or that reach conclusions different from the information set forth herein. Such other reports, if any, reflect the different assumptions, views and/or analytical methods of the analysts who prepared them, and BTMU is under no obligation to ensure that such other reports are brought to your attention.