| Risk-adjusted Capital Amounts and Ratios |
The risk-adjusted capital amounts and ratios, and leverage ratios, of MUFG, MUFG Bank and Mitsubishi UFJ Trust and Banking presented in the following table are based on amounts calculated in accordance with Japanese GAAP as required by the FSA. | | | | | | | | | | | | | | | | | | | | | | | | | | Actual | | For capital adequacy purposes | | | Amount | Ratio | | Amount | Ratio | | | (in millions, except percentages) | | Consolidated: | | | | | | | | | At March 31, 2021: | | | | | | | | | Total capital (to risk-weighted assets): | | | | | | | | MUFG(1) | ¥ | 18,669,510 | | | 16.31 | % | | ¥ | 13,730,324 | | | 12.00 | % | | BK | 14,630,443 | | 15.04 | | | 7,779,147 | | 8.00 | | | TB | 2,099,662 | | 22.47 | | | 747,524 | | 8.00 | | | Tier 1 capital (to risk-weighted assets): | | | | | | | | MUFG(1) | 15,982,746 | | 13.96 | | | 11,441,937 | | 10.00 | | | BK | 12,411,352 | | 12.76 | | | 5,834,360 | | 6.00 | | | TB | 1,870,988 | | 20.02 | | | 560,643 | | 6.00 | | | Common Equity Tier 1 capital (to risk-weighted assets): | | | | | | | | MUFG(1) | 14,113,722 | | 12.33 | | | 9,725,646 | | 8.50 | | | BK | 10,865,302 | | 11.17 | | | 4,375,770 | | 4.50 | | | TB | 1,681,140 | | 17.99 | | | 420,482 | | 4.50 | | | Leverage ratio: | | | | | | | | | MUFG | 15,982,746 | | 5.45 | | | 8,781,753 | | 3.00 | | | BK | 12,411,352 | | 5.22 | | | 7,123,396 | | 3.00 | | | TB | 1,870,988 | | 7.53 | | | 744,744 | | 3.00 | |
| | | | | | | | | | | | | | | | | | | | | | | | | At March 31, 2022: | | | | | | | | | Total capital (to risk-weighted assets): | | | | | | | | MUFG(1) | ¥ | 17,858,656 | | | 14.29 | % | | ¥ | 15,002,201 | | | 12.01 | % | | BK | 14,076,877 | | 12.94 | | | 8,700,226 | | 8.00 | | | TB | 1,969,282 | | 20.78 | | | 758,073 | | 8.00 | | | Tier 1 capital (to risk-weighted assets): | | | | | | | | MUFG(1) | 15,476,287 | | 12.38 | | | 12,503,916 | | 10.01 | | | BK | 12,092,189 | | 11.11 | | | 6,525,170 | | 6.00 | | | TB | 1,803,306 | | 19.03 | | | 568,555 | | 6.00 | | | Common Equity Tier 1 capital (to risk-weighted assets): | | | | | | | | MUFG(1) | 13,823,912 | | 11.06 | | | 10,630,203 | | 8.51 | | | BK | 10,728,587 | | 9.86 | | | 4,893,877 | | 4.50 | | | TB | 1,640,458 | | 17.31 | | | 426,416 | | 4.50 | | | Leverage ratio: | | | | | | | | | MUFG | 15,476,287 | | 5.14 | | | 9,023,770 | | 3.00 | | | BK | 12,092,189 | | 4.96 | | | 7,312,672 | | 3.00 | | | TB | 1,803,306 | | 6.77 | | | 798,855 | | 3.00 | |
| | | | | | | | | | | | | | | | | | | | | | | | | Actual | | For capital adequacy purposes | | Amount | Ratio | | Amount | Ratio | | (in millions, except percentages) | | Stand-alone: | | | | | | | | | At March 31, 2021: | | | | | | | | | Total capital (to risk-weighted assets): | | | | | | | | | BK | ¥ | 12,359,493 | | | 14.60 | % | | ¥ | 6,770,631 | | | 8.00 | % | | TB | 2,294,694 | | 21.91 | | | 837,567 | | 8.00 | | | Tier 1 capital (to risk-weighted assets): | | | | | | | | | BK | 10,512,405 | | 12.42 | | | 5,077,974 | | 6.00 | | | TB | 2,066,480 | | 19.73 | | | 628,176 | | 6.00 | | | Common Equity Tier 1 capital (to risk-weighted assets): | | | | | | | | | BK | 9,025,272 | | 10.66 | | | 3,808,480 | | 4.50 | | | TB | 1,876,980 | | 17.92 | | | 471,132 | | 4.50 | | | Leverage ratio: | | | | | | | | | BK | 10,512,405 | | 5.14 | | | 6,127,521 | | 3.00 | | | TB | 2,066,480 | | 8.95 | | | 691,914 | | 3.00 | | | At March 31, 2022: | | | | | | | | | Total capital (to risk-weighted assets): | | | | | | | | | BK | ¥ | 11,167,553 | | | 11.91 | % | | ¥ | 7,498,348 | | | 8.00 | % | | TB | 2,122,840 | | 19.97 | | | 850,030 | | 8.00 | | | Tier 1 capital (to risk-weighted assets): | | | | | | | | | BK | 9,565,792 | | 10.20 | | | 5,623,761 | | 6.00 | | | TB | 1,957,340 | | 18.42 | | | 637,523 | | 6.00 | | | Common Equity Tier 1 capital (to risk-weighted assets): | | | | | | | | | BK | 8,261,659 | | 8.81 | | | 4,217,821 | | 4.50 | | | TB | 1,794,840 | | 16.89 | | | 478,142 | | 4.50 | | | Leverage ratio: | | | | | | | | | BK | 9,565,792 | | 4.59 | | | 6,249,606 | | 3.00 | | | TB | 1,957,340 | | 7.81 | | | 751,302 | | 3.00 | |
Note: (1)Effective March 31, 2016, the FSA’s capital conservation buffer, countercyclical buffer and G-SIB surcharge requirements became applicable to Japanese banking institutions with international operations conducted through foreign offices. As a result, in addition to the 4.50% minimum Common Equity Tier 1 capital ratio, MUFG is required to maintain a capital conservation buffer of 2.5% and a G-SIB surcharge of 1.5% as of March 31, 2021 and 2022, and the countercyclical buffer of 0.00% and 0.01% as of March 31, 2021 and 2022, respectively. The figures on the table below are calculated according to U.S. Basel III as of December 31, 2020 and 2021. MUFG Americas Holdings’s actual capital amounts and ratios are presented as follows: | | | | | | | | | | | | | | | | | | | | | | | | | | Actual | | Minimum capital ratios required(1) | | | Amount | Ratio | | Amount | Ratio | | | (in millions, except percentages) | | MUAH: | | | | | | | | | At December 31, 2020: | | | | | | | | | Total capital (to risk-weighted assets) | $ | 16,871 | | | 16.29 | % | | $ | 12,843 | | | 12.40 | % | | Tier 1 capital (to risk-weighted assets) | 15,823 | | 15.28 | | | 10,772 | | 10.40 | % | Tier 1 capital (to quarterly average assets)(2) | 15,823 | | 9.56 | | | 6,623 | | 4.00 | % | | Common Equity Tier 1 capital (to risk-weighted assets) | 15,823 | | 15.28 | | | 9,218 | | 8.90 | % | | At December 31, 2021: | | | | | | | | | Total capital (to risk-weighted assets) | $ | 17,177 | | | 16.32 | % | | $ | 11,890 | | | 11.30 | % | | Tier 1 capital (to risk-weighted assets) | 16,843 | | 16.01 | | | 9,786 | | 9.30 | % | Tier 1 capital (to quarterly average assets)(2) | 16,843 | | 10.44 | | | 6,453 | | 4.00 | % | | Common Equity Tier 1 capital (to risk-weighted assets) | 16,843 | | 16.01 | | | 8,208 | | 7.80 | % |
Notes: (1)The minimum capital requirement includes a capital conservation buffer of 4.4% at December 31, 2020 and 3.3% at December 31, 2021. (2)Excludes certain deductions.
The figures on the table below are calculated according to U.S. Basel III as of December 31, 2020 and 2021. MUFG Union Bank’s actual capital amounts and ratios are presented as follows: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Actual | | Minimum capital ratios required(1) | | Ratios OCC requires to be “well capitalized” | | | Amount | Ratio | | Amount | Ratio | | Amount | Ratio | | | (in millions, except percentages) | | BK(US): | | | | | | | | | | | | | At December 31, 2020: | | | | | | | | | | | | | Total capital (to risk-weighted assets) | $ | 15,629 | | | 16.68 | % | | $ | 9,836 | | | 10.50 | % | | $ | 9,368 | | | 10.00 | % | | Tier 1 capital (to risk-weighted assets) | 14,634 | | 15.62 | | | 7,963 | | 8.50 | | | 7,494 | | 8.00 | | Tier 1 capital (to quarterly average assets)(2) | 14,634 | | 11.12 | | | 5,262 | | 4.00 | | | 6,577 | | 5.00 | | | Common Equity Tier 1 capital (to risk-weighted assets) | 14,634 | | 15.62 | | | 6,557 | | 7.00 | | | 6,089 | | 6.50 | | | At December 31, 2021: | | | | | | | | | | | | | Total capital (to risk-weighted assets) | $ | 16,265 | | | 17.36 | % | | $ | 9,840 | | | 10.50 | % | | $ | 9,371 | | | 10.00 | % | | Tier 1 capital (to risk-weighted assets) | 15,629 | | 16.68 | | | 7,966 | | 8.50 | | | 7,497 | | 8.00 | | Tier 1 capital (to quarterly average assets)(2) | 15,629 | | 12.14 | | | 5,149 | | 4.00 | | | 6,436 | | 5.00 | | | Common Equity Tier 1 capital (to risk-weighted assets) | 15,629 | | 16.68 | | | 6,560 | | 7.00 | | | 6,091 | | 6.50 | |
Notes: (1)Beginning January 1, 2019, the minimum capital requirement includes a capital conservation buffer of 2.5%. (2)Excludes certain deductions.
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