Message from Management

Assuming the role of MUFG President & Group CEO on April 1, 2026, I too have embarked on a new chapter concurrent with the 20th anniversary of our company’s founding. With deep gratitude to everyone associated with MUFG, I pledge to devote myself fully to serving the development of Japan and the global community, while ensuring that MUFG remains a company where every employee can thrive with energy and purpose. I sincerely ask for your continued support in these efforts.

 

Our business environment is at a major inflection point. As global uncertainty continues to intensify—with the expansion of conflicts among nations and the rethinking of free trade—technological innovation is fundamentally reshaping the very premises of our daily lives and work, with AI leading the way. Meanwhile, Japan is moving decisively out of deflation into a world of positive interest rates, as efforts accelerate among companies to invest for growth, and among households to build assets to support their future. 

 

My mission is to view these environmental and structural changes as opportunities for transformation, and for making a meaningful contribution both to a sustainable society and the further growth of MUFG. Thus I place particular importance on three principles.

 

First, we must grow together with society and our customers – MUFG’s growth cannot exist apart from theirs. We must maintain a broad perspective, understand the direction of change in the world, and continue to grow alongside society and our customers. I will continue to uphold this manner of thinking as one of MUFG’s enduring principles.

 

Second, we must convert challenges into value. While fulfilling our role as a vital social infrastructure, we must continue to create new value in response to technological innovation, changes in our environment, and the evolving needs of our customers. These are central challenges we must address. By expanding the use of AI and digital technologies, and by advancing agile operations, we will accelerate our decision-making and become more responsive to customers. At the same time, we will strengthen the comprehensive capabilities of the Group as one, while embracing partnerships and collaboration with startups and technology companies. We will do all this in pursuit of the distinctive added value that only MUFG can provide.

 

Third, we must continue to be a company where every colleague can work with purpose and pride. Our colleagues are a prime force that creates value for society and our customers, and I firmly believe they – you – provide the foundation of sustainable growth. By fostering an environment where colleagues can work with confidence, purpose, and pride, we will strive to build resilient, strong organizations and teams. At the same time, we will continue to fortify our governance and risk management frameworks so MUFG continues to consistently earn the trust and confidence of society and our customers.

 

Fiscal 2026 is the final year of our current Medium-term Business Plan. While keeping our medium- to long-term ROE target in clear focus, we will pursue both higher capital efficiency and financial soundness. We will also translate the drivers of sustainable growth into concrete actions, and work steadily to maximize corporate value.

 

Although we live in an age of heightened uncertainty, I firmly believe our future is bright. To strive to fulfill MUFG’s stated Purpose – to be “Committed to empowering a brighter future.” – we will continue to embrace challenges with optimism and determination.