Mitsubishi UFJ Financial Group, Inc., through its subsidiaries, provides a range of financial services. The company’s subsidiaries include The Bank of Tokyo-Mitsubishi UFJ, Ltd. (BTMU); Mitsubishi UFJ Trust and Banking Corporation (MUTB); Mitsubishi UFJ Securities Holdings Co., Ltd.; Mitsubishi UFJ Morgan Stanley Securities Co., Ltd. (MUMSS); Mitsubishi UFJ NICOS Co., Ltd.; and other companies. The company’s services include commercial banking, trust banking, securities, credit cards, consumer finance, asset management, leasing and various fields of financial services. It has an overseas network among the Japanese banks, including offices and subsidiaries, including MUFG Union Bank, N.A. (MUB) and Bank of Ayudhya Public Company Limited (Krungsri), in approximately 50 countries. Segments As of March 31, 2016, the company had five business segments: Retail Banking Business, Corporate Banking Business, Trust Assets Business, Global Business, and Global Markets Business. Retail Banking Business Group This segment covers all retail businesses, including commercial banking, trust banking and securities businesses; and offers a range of banking products and services, including financial consulting services, to retail customers in Japan. This segment integrates the retail businesses of BTMU, MUTB, MUMSS, and other affiliate companies of the company. The company offers a range of bank deposit products, including a non-interest-bearing deposit account that is redeemable on demand and intended primarily for payment and settlement functions. It also provides various asset management and asset administration services, and trust products and other investment products, as well as other products and services. BTMU has launched a project titled ‘Do Smart’, with an aim to improve the quality of services for individual customers. This project focuses on improving online banking services with smartphones and other devices, and providing customized consulting to satisfy their needs. The company has also been expanding its product lines, adding services, such as investment trusts and foreign currency deposits, to be able to respond to customers’ various investment needs. In addition, it has been working to promote the Japanese individual savings account system, generally referred to as the Nippon Individual Savings Account (NISA) program. As of March 31, 2016, the company had approximately 909,719 NISA and Junior NISA accounts. The company has focused on strengthening collaboration among group companies. For example, foreign bonds made available by MUMSS and other group securities companies are also available at BTMU and MUTB. Also, BTMU provides ‘Retail Money Desk’ services at 64 branches across Japan. BTMU acts as a sales channel for various insurance products, including annuity insurance, single premium whole life insurance, flat-rate premium whole life insurance, medical insurance, cancer insurance and nursing-care insurance. Insurance-sales specialists (insurance planners) and staff members who have taken insurance-sales and other relevant training take care of customers’ various insurance needs. Individual annuity insurance, whole life insurance and medical insurance plans are available at all MUTB branches. MUTB offers various services, including a testamentary trust service called ‘Ishindenshin’, which helps customers prepare, maintain and execute wills; an inheritance planning service called ‘Shisan Keisho Planning’, which helps customers manage and analyze financial assets and real estate properties; and an inheritance procedure support service called ‘Wakachi Ai’, which helps customers navigate the necessary procedures upon inheritance. BTMU and MUMSS also offer inheritance-related products and services, serving as sales agents of MUTB. In 2013, an educational fund gift trust product called ‘Magoyorokobu’ was launched. BTMU also sells this product as a sales agent of MUTB. In 2014, MUTB launched a new trust product called ‘Okuru shiawase’, a life-time gift trust product with services to assist customers with the execution of the gift. In April 2015, MUTB began offering a new ‘wedding and child-
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