Business Context and Reporting Period
This Form 6-K filing by Mitsubishi UFJ Financial Group, Inc. (MUFG) reports the risk-adjusted capital ratios based on Basel 3 standards for the third quarter ended December 31, 2025. The report was filed on February 13, 2026. MUFG is a global financial group headquartered in Tokyo with operations in over 40 countries, offering commercial banking, trust banking, securities, and asset management services.
Key Financial Metrics
The filing focuses exclusively on capital adequacy metrics and does not provide revenue, profit, cash flow, or margin data. Key capital figures for the consolidated group as of December 31, 2025, are as follows:
| Metric | Value (Dec 31, 2025) | Unit |
|---|---|---|
| Total Capital Ratio | 18.68% | Percentage |
| Tier 1 Capital Ratio | 16.66% | Percentage |
| Common Equity Tier 1 (CET1) Ratio | 14.00% | Percentage |
| Total Capital | 21,951.5 | Billion JPY |
| Risk-Weighted Assets (RWA) | 117,496.9 | Billion JPY |
| Required Capital (8% of RWA) | 9,399.7 | Billion JPY |
Similar metrics are reported for subsidiaries MUFG Bank, Ltd. (Consolidated), Mitsubishi UFJ Trust and Banking Corporation (Consolidated), and their non-consolidated entities.
Material Changes vs. Prior Period
Comparing the quarter ended December 31, 2025, to the prior fiscal year-end (March 31, 2025):
- Capital Ratios: The consolidated Total Capital Ratio decreased by 0.15 percentage points to 18.68%. The CET1 ratio decreased by 0.18 percentage points to 14.00%.
- Capital Base: Total capital increased by 1,806.4 billion JPY, and Tier 1 capital increased by 1,776.2 billion JPY.
- Risk-Weighted Assets: RWA increased significantly by 10,566.4 billion JPY (approximately 9.9% growth), which contributed to the slight decline in capital ratios despite the increase in absolute capital.
- Subsidiary Trends: MUFG Bank (Consolidated) saw a 0.32 percentage point drop in its Total Capital Ratio, while Mitsubishi UFJ Trust and Banking Corporation (Consolidated) saw a 0.74 percentage point drop.
Guidance, Outlook, and Risks
The filing text does not contain forward-looking guidance, management commentary on future earnings, or specific risk factor disclosures beyond the standard regulatory capital reporting. The document serves strictly as a disclosure of regulatory capital compliance under Basel 3 standards. No unusual items or contingencies are described in the provided text.
Investor Verification Checklist
- Verify the impact of the 10.6 trillion JPY increase in Risk-Weighted Assets on future profitability and capital deployment.
- Confirm whether the slight decline in capital ratios (Total and CET1) remains comfortably above regulatory minimums and internal targets.
- Review the full quarterly earnings release (not included in this 6-K) for revenue, net income, and return on equity figures.
- Assess the capital adequacy of the non-consolidated entities, which showed larger percentage declines in ratios compared to the consolidated group.