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Fiduciary Duties

MUFG Basic Policy for Fiduciary Duties

  • MUFG will formulate and announce “MUFG Basic Policy for Fiduciary Duties” as a common guideline of the Group so as to enforce its customer-oriented undertakings.
  • The MUFG Group believes that the further improvement of its products and services in order for customers to “save, increase, protect, and inherit” their valuable assets according to their own goals leads to realizing customers’ best interests, and will therefore always act honestly and fairly, based on its high ethical standards and expertise.
  • Under this basic policy, the Group companies will share the customer-based undertakings and periodically announce status updates, and MUFG, while monitoring these efforts, will revise this policy. Additionally, the MUFG Group will aim to better realize customer-oriented business operations in order to lead societal changes toward a more affluent life.

[MUFG Group Code of Conduct:1-1] Honesty and Integrity

Our customers are at the center of
everything we do. We carry out fair and transparent corporate activities with
honesty and integrity. We treat customer assets with care and respect and
always strive to ensure that our actions do not unjustly damage our customersʼ
interests.  
  1. Ensure customer-oriented approach
  • Each of us will fully recognize the weight of our social responsibility and always maintain a fair, honest attitude and high professional ethics to thoroughly implement customer-oriented business operations. 【Principle 2】
  1. Developing and providing products that match customers' needs
  • We will always think from a customer-oriented perspective and develop and provide products that capture customer needs. 【Principle 6】
  1. Implementing customer-oriented consultation and provision of information
  • We will propose appropriate products in light of the customer's knowledge, experience, financial situation, and transaction purposes, and provide timely and careful after-sales follow-up. 【Principle 6】
  • We will provide detailed information on products, risks, fees, and market trends according to the customer's level of understanding. 【Principle 5】
  • We will enhance the transparency of fees, etc., to assist customers in making investment decisions. 【Principle 4】
  • We will establish a performance evaluation system that aligns with customer-oriented initiatives. 【Principle 7】
  • We will provide various investment education opportunities to support customers' asset formation. 【Principle 6】

[MUFG Group Code of Conduct:1-2] Ensuring Quality

To build lasting relationships of trust and confidence with our customers, we listen carefully to what our customers are telling us and maintain thorough quality control of all our products and services, from planning and development to provision and subsequent revisions, with a view to further enhance quality.
  1. Provision of line of products to meet diverse needs
  • We will offer a wide range of products to meet the diverse needs of our customers. 【Principle 6】
  • We will establish product selection and sales procedures that are not bound by group relationships. 【Principle 3】
  1. Sophistication of investment for the improvement of customers' investment results
  • We will strive to improve existing investment methods and pursue new investment opportunities, while enhancing our operation and management systems. 【Principle 6】
  • To ensure independence and transparency in investment operations, we will strengthen our governance system as an investment institution, including thorough conflict of interest management, and further enhance the effectiveness of stewardship activities. 【Principle 3】
  1. Improvement of quality of comprehensive asset administration services to support customers' asset management
  • We will actively engage in the development of new fields and new technologies in asset management operations to provide the highest quality comprehensive asset management services. 【Principle 2】
  • We will provide a wide range of timely information related to asset management. 【Principle 6】

[MUFG Group Code of Conduct:1-3] Exceeding Customer Expectations

We aim to meet the diverse needs of our customers worldwide, and to provide services that lead transformation and exceed their expectations through the highest standards of professionalism, by leveraging our global network and the consolidated strengths of the entire Group. 
  1. Provision of financial services leveraging the Group's consolidated strength
  • By combining the products, services, know-how, and resources of each group company, we will provide financial services that comprehensively address the assets and liabilities of our customers, meeting their diversifying needs. 【Principle 2】
  1. Establishment of a structure enabling comfortable, secure and safe transactions
  • We will establish a system that allows for comfortable, safe, and secure transactions through various channels such as in-store, call centers, and the internet. 【Principle 6】
  1. Exertion of professionalism
  • To build long-lasting trust with our customers, we will continuously work on developing professional personnel and further enhancing their expertise. 【Principle 2】

Major Group companies Initiatives

[Group companies in Japan implementing undertakings based on this basic policy]

 

MUFG Bank, Mitsubishi UFJ Trust and Banking, Mitsubishi UFJ Morgan Stanley Securities, Mitsubishi UFJ Asset Management, Mitsubishi UFJ eSmart Securities, The Master Trust Bank of Japan, Mitsubishi UFJ Real Estate Asset Management, and Mitsubishi UFJ Alternative Investments