MUFG

cbRddT

Thoughts on $MUFG

BlackRockLarryFink

Now do MUFG

Nifferothix

What about the news with banks are getting out of AI tech data centre loans. They dont tell us about it but its leaked. They call it "carnage"! Major banks and financial institutions are actively reducing their direct exposure to AI-related infrastructure and corporate software debt. Lenders are offloading billions in data-center and tech-sector construction loans to non-bank lenders, while also raising borrowing costs for private credit funds heavily invested in AI. Several factors and actions characterize this financial shift: * **Data-Center Debt Offloading:** Major lenders—including JPMorgan, Morgan Stanley, MUFG, and SMBC—are syndicating and trying to sell massive data-center construction loans (such as those leased to tech giants and cloud providers) to hedge against over-concentration. * **Private Credit Markdowns:** Banks have become increasingly anxious about the sky-high valuations of private software and AI companies. Firms like JPMorgan have reportedly marked down loan portfolios to account for the risk of rapid AI model obsolescence hurting corporate borrowers' balance sheets. * **Regulatory Warnings:** Global institutions, including the Bank for International Settlements (BIS) and the Bank of England, have warned that the massive corporate debt loads required to fund the $1+ trillion AI infrastructure boom pose significant systemic risks to the broader economy.

japan_eq_nerd

Great thread. The "keiretsu" answer is technically correct but doesn't really explain the investment thesis. First, a key clarification: Mitsubishi Electric (TSE:6503) and Mitsubishi Heavy Industries (TSE:7011) are completely separate publicly listed companies. They share a brand name and some cross-shareholding history, but management, earnings, and strategy are fully independent. The Mitsubishi group is a keiretsu — a corporate group dating back to the Meiji era (1800s), with MUFG Bank at the center. What makes them interesting long-term: this group tends to be heavily involved when the Japanese government needs industrial partners, both domestically and overseas. The Australia frigate deal is a concrete example. MHI signed a $6.5B contract with the Australian government in April 2026 for 11 Mogami-class frigates — Japan's first-ever warship export. First 3 hulls built in Japan, remaining 8 in Western Australia, with delivery starting 2029. Multi-decade government contract, exactly the kind of revenue visibility that makes the defense thesis compelling. One tactical note for overseas investors: the BoJ is widely expected to hike 0.25% to 1.0% at the June 16 meeting (\~90% of analysts). This is largely priced in, so a major yen move on the announcement itself is unlikely. That said, there's usually short-term noise around BoJ decisions — waiting for the post-announcement dust to settle might give you a cleaner entry point into Japanese industrials.

Equivalent_Net_3752

MUFG is good at being a business. Even daddy Warren agrees.

Icy-Neighborhood6650

Why is MUFG here.... thats a bank I think you wanted Mistubishi Heavy Industries MHVIY.

KMI_Dragon_Knight

Nintendo has high PE, and low yield. No options. Nintendo won't bleed red anymore as it's a N255 company, so when Nikkei corrects, Nintendo will get money and correct. Do I like Nintendo long term? Yes, depends. All you need is a screenshot of our Link the Twink or pretty much any announcement to get some R34 Zelda fanart for an easy 20% gain. But holding just for that is dumb. If you want to buy a quality share, you cant go wrong at $12-ish. Nintendo is a hold forever company. Even if Nintendo go bankrupt. But Japanese companies I personally like more other than Mizuho, Nomura, MUFG. Hold My Cosmos. Honda. They are getting fucked for reasons and now it's a great time to buy. Murata and Fanuc still haven't recovered, and these are legit bottlenecks for semiconductors and upcoming robotics. Cheers. Un abrazo

KMI_Dragon_Knight

You're joking? Nikkei has not gone under 56000 for months, ATH is 58000, Nikkei is holding like a motherfucker and all JPY financial institutions are going hard and carrying (Mizuho, NMR, MUFG.) All of them have huge buy back programs, and what''s actually happening is they are using these dips to buy more and then certify the shares as part of the company. MFG has bought 200b back, and will buy more. When this is solved, they woll moonshot for sure. If you see my posts, you can see I have closely monitored these companies and already made life changing money, check them out.

studentoo925

The exact same things I planned on buying this year - European financials + MUFG & HSBC, index funds and some defence+related companies

Disconn3cted

One thing that won't be taking this year is MUFG. After the japanese elections, the LDP will have enough votes to amend the constitution and remilitarize Japan.  MUFG is Mitsubishi. Did you know they don't only make shitty cars? They make colored pencils and fighter jets too. 

KMI_Dragon_Knight

MUFG hasn't transformed yet. But it will. Majority owner of MSCI, and look at how hard MSCI, EEM indexes and MS are popping up.

GamblingMikkee

I am long MUFG

myironlung6

There were 3 additional offerings in early November that never materialized. In the face of Oracles stock decline and bad press, if these had been successful, the company, Larry and every AI pumper would be broadcasting it to the world. I doubt Oracle or the banks are going to issue a press release saying no buyers stepped up to fund more toxic debt. Also seven was meant to be several and Bloomberg changed it which I updated as well. None of the 3 offerings went through AFAIK. https://octus.com/resources/articles/banks-prep-series-of-multibillion-dollar-debt-offerings-for-oracle/ Software leader Oracle is preparing to launch a series of multibillion-dollar debt offerings to finance the development of multiple AI-related data centers across the United States, according to sources familiar with the deals. Of the debt offerings for Oracle is a $38 billion deal, which will consist of $23 billion and $15 billion term loans led by JPMorgan among multiple other banks, according to sources. Proceeds from the loans will fund two data centers developed by Vantage Data Centers in Wisconsin and Texas, sources said. The term loans for Oracle will have four-year maturities with two one-year extensions, said one investor, who added that JPMorgan and the banks have been building a book from buy-side participants and that the deal should launch in a few weeks, though terms are subject to change. The investor also noted that it has been interesting to see traders buying CDS on Oracle recently at two-year highs. Oracle is also preparing $18 billion in other debt financing, which would include bonds, likely to be rated investment grade, according to sources. Proceeds from the deal will fund the development of an Oracle-affiliated data center in New Mexico, with financing led by SMBC, MUFG, BNP Paribas and Goldman Sachs, among others, according to sources.

KMI_Dragon_Knight

KMI's doing great, check out MUFG, SMG, and MFG.

KMI_Dragon_Knight

Warren Buffet stake's at Googles made it to the news, but please don't ignore his recent stake at Japanese Financial Groups, all of which today posted record profits and announced shares buybacks and ended up being the biggest movers last Friday, 11/14/25. They will buy back shares, and their outlook for profit is massive. When MUFG, SMFG, and MFG launches their regulated and government stablecoin, all bets will be off. Underreported, I accept thank you in Cookie Crisps.

KMI_Dragon_Knight

For disbelievers. SMFG/ MFG/ MUFG ended up being the biggest movers today. :D

KMI_Dragon_Knight

If you need a shelter from the blood rain: KMI, obviously. MUFG, NMR, MFG, SMFG, Cyberdyne. Banks posted incredible earnings, and very soon they are going to have a yen pegged JPY. Thank me later, go with god.

KMI_Dragon_Knight

KMI's very green tho? Why u red? KMI, KVUE, AES, MUFG, EQT, MQ, NMR? Go and make some cash. Not financial advise, I am a blood sucking bot.

KMI_Dragon_Knight

SMFG / MUFG / SMG. Fake Meater ignored the fact they will jointly published a stablecoin; they are the biggest lenders, so they might be able to do what XRP never did.

Sanguinor-Exemplar

He literally sold 23 billion dollars worth of shares to buy twitter. You guys keep saying this stuff because you read it on Reddit and repeat it like the Bible because you literally know nothing more about the subject. A religion by another name. It's all public record. >On April 20, Musk disclosed that he had secured financing provided by a group of banks led by Morgan Stanley, Bank of America, Barclays, MUFG, Société Générale, Mizuho Bank, and BNP Paribas, for a potential tender offer to acquire the company.[27][28] The funding included $7 billion of senior secured bank loans; $6 billion in subordinated debt; $6.25 billion in bank loans to Musk personally, secured by $62.5 billion of his Tesla stock; $20 billion in cash equity from Musk, to be provided by sales of Tesla stock and other assets; and $7.1 billion in equity from 19 independent investors.[29][30][31] https://en.m.wikipedia.org/wiki/Acquisition_of_Twitter_by_Elon_Musk

SillyAlternative420

I have way too many positions GOOGL HPE DKNG SOUN MUFG WWR

BitClient

It means buy MUFG

alfapredator

Vietnam Is Favoring Weaker Dong to Support Growth: MUFG

Walmartpancake

Interesting. Eventually I do hope to invest more in dollars using something like fidelity. One thing, if there's the currency risk when you buy and cash you, would it be smarter to track sp500 by buying sp500 that operate in yen like ishares (blackrock) or emaxis (MUFG)?

Mission-Elk5155

For a longer call, I’m talking 2026 2027, MUFG and FLR. Donnie is most likely going to want to continue the Alaska crude oil MFG and sell it to south kore and Japan, and if they do that, MUFG will be a major investor/buyer and FLR is the construction company that would most likely take up the project

Bman409

Foreign banks I'm specifically in HDN, IBN, BAP, ITUB, BMO and just added MUFG on Friday

uwupartysaver

MUFG, go check

drew-gen-x

I will start selling $TLT and deploying cash once the $SPY hits weekly 200 MA near 467. Until then I am sticking with $TLT, $PHYS (gold), and a few divy stocks. Someone here today mentioned the Japanese trading houses/banks. I am researching $NMR, $SMFG, $MFG, $MUFG. I'll prolyl open a small position there soon. What I would say after losing big in 2008, don't BTD on the same stocks or sectors. If everyone here just BTD on tech stocks that is a recipe for disaster. Or just BTD on gold. If you choose a falling knife that just happens to keep falling you can lose everything in months.

Choice_Tax_3032

!banbet MUFG 15.02 2d

techaaron

Bro. It's literally in the history books. 😆 Want a recent example? >On April 20, Musk disclosed that he had secured financing provided by a group of banks led by Morgan Stanley, Bank of America, Barclays, MUFG, Société Générale, Mizuho Bank, and BNP Paribas, for a potential tender offer to acquire the company. The funding included $7 billion of senior secured bank loans; $6 billion in subordinated debt; $6.25 billion in bank loans to Musk personally, secured by $62.5 billion of his Tesla stock; $20 billion in cash equity from Musk, to be provided by sales of Tesla stock and other assets; and $7.1 billion in equity from 19 independent investors.

Will_Full1933

Anyone else holding MUFG?

Tough-Ear-3721

|| || |Company|Dividend Yield (TTM)|Price to Earnings (TTM)| |Citigroup Inc (C)|4.478104788|16.72888363| |Toronto-Dominion Bank (TD)|5.087773496|18.47265101| |Unilever PLC (UL)|7.003011075|12.12670356| |Verizon Communications Inc (VZ)|6.37760915|15.51820907| |Anheuser-Busch Inbev SA (BUD)|5.637410624|18.91782456| |Chevron Corp (CVX)|4.48054835|13.88003567| |Sanofi SA (SNY)|6.883473244|16.89653297| |TotalEnergies SE (TTE)|5.406265757|6.692601614| |Mitsubishi UFJ Financial Group Inc (MUFG)|4.692412016|11.7446016| |Shell PLC (SHEL)|5.446630681|8.752210091| |TORONTO-DOMINION BANK (TD.TO)|5.892864171|13.15653345| These are the companies that I'm looking at -- good yield and valuation. Meshes well with my tech growth investments.

Tough-Ear-3721

|| || |Company|Dividend Yield (TTM)|Price to Earnings (TTM)| |Citigroup Inc (C)|4.478104788|16.72888363| |Toronto-Dominion Bank (TD)|5.087773496|18.47265101| |Unilever PLC (UL)|7.003011075|12.12670356| |Verizon Communications Inc (VZ)|6.37760915|15.51820907| |Anheuser-Busch Inbev SA (BUD)|5.637410624|18.91782456| |Chevron Corp (CVX)|4.48054835|13.88003567| |Sanofi SA (SNY)|6.883473244|16.89653297| |TotalEnergies SE (TTE)|5.406265757|6.692601614| |Mitsubishi UFJ Financial Group Inc (MUFG)|4.692412016|11.7446016| |Shell PLC (SHEL)|5.446630681|8.752210091| |TORONTO-DOMINION BANK (TD.TO)|5.892864171|13.15653345| These are the companies that I'm looking at -- good yield and valuation. Meshes well with my tech growth investments.

Tough-Ear-3721

|| || |Company|Dividend Yield (TTM)|Price to Earnings (TTM)| |Citigroup Inc (C)|4.478104788|16.72888363| |Toronto-Dominion Bank (TD)|5.087773496|18.47265101| |Unilever PLC (UL)|7.003011075|12.12670356| |Verizon Communications Inc (VZ)|6.37760915|15.51820907| |Anheuser-Busch Inbev SA (BUD)|5.637410624|18.91782456| |Chevron Corp (CVX)|4.48054835|13.88003567| |Sanofi SA (SNY)|6.883473244|16.89653297| |TotalEnergies SE (TTE)|5.406265757|6.692601614| |Mitsubishi UFJ Financial Group Inc (MUFG)|4.692412016|11.7446016| |Shell PLC (SHEL)|5.446630681|8.752210091| |TORONTO-DOMINION BANK (TD.TO)|5.892864171|13.15653345| These are the companies that I'm looking at -- good yield and valuation. Meshes well with my tech growth investments.

discodropper

*beep boop* oh no, you got me… 🤖🤖 Twitter is majority owned by Elon Musk. Here’s a breakdown of the financials for the acquisition (from this [wiki](https://en.wikipedia.org/wiki/Acquisition_of_Twitter_by_Elon_Musk?wprov=sfti1#Legacy)): > On April 20, Musk disclosed that he had secured financing provided by a group of banks led by Morgan Stanley, Bank of America, Barclays, MUFG, Société Générale, Mizuho Bank, and BNP Paribas, for a potential tender offer to acquire the company. The funding included $7 billion of senior secured bank loans; $6 billion in subordinated debt; $6.25 billion in bank loans to Musk personally, secured by $62.5 billion of his Tesla stock; $20 billion in cash equity from Musk, to be provided by sales of Tesla stock and other assets; and $7.1 billion in equity from 19 independent investors. So he ponied up $26.25B in cash (including his personal loan). $7.1B is from 19 other investors. That leaves $13B in loans (which is what we’re discussing here). The question is who is ultimately responsible for that $13B. If it was loaned to Xitter, then it seems like those 20 owners would be responsible for it, with Musk having the lions share. They can liquidate the company or try to sell it, but it’s probably not even worth that much, so they’re on the line for the difference. It’s not a question of whether the banks can recoup (Musk & co. obviously have the means), it’s that the banks can’t sell the loans and so they’re in a bit of a liquidity crisis.

qw1ns

**The seven major banks that lent the money for Twitter (which has since been renamed X) are Bank of America Corp.** * BAC. -2.36% , Morgan Stanley. * MS. -1.01% , Barclays. * BCS. -1.29% , Mitsubishi UFJ Financial Group. * MUFG. -1.08% , BNP Paribas. * BNP. -0.73% , Société Générale. * GLE. -0.43% and Mizuho.

TalkingTajik

Yea I don’t think the banks are bad at all! Interesting story: MUFG actually bailed out Morgan Stanley during the financial crisis: https://money.cnn.com/2008/09/22/news/companies/mufg_morgan_stanley/index.htm?postversion=2008092210

drew-gen-x

Buy the Dip. $MUFG moved bellow it's short term 200 DMA (daily moving average) but it is bouncing off it's long term 2 yr DMA. It's all voodoo.

drew-gen-x

Berkshire Hathaway started investing in Japan banks in 2023. I was just looking at the charts and they have been on a major bull run until last Monday's Nikkei 225 blood bath. I just opened a position in Mitsubishi $MUFG, which is one of the 5 Japanese banks Warren Buffett owns. If I am going BTD, I might as well BTD on what Warren Buffett is buying.

BlueCordLeads

This time it isn't about the stock market it's about the currency as well. This is the big risk my economics professors discussed with us more than 20 years ago which is a lifetime market risk not a business cycle depending on how it plays out. This time the risk is the end of the US Debt cycle and the US Dollar being the global currency. The issue is the Japanese have been loaning the world Yen in trade for US Dollars meaning they hold a significant amount of US Debt. This currency move up with the JPY getting stronger is causing the carry trade to get unwound. Many may not know this but the reason that MUFG is crashing is that this bank is at the heart of vendor financing programs globally. GE Capital's vendor financing program which included not only GE but Honeywell, and many other large industrials went to MUFG since they are the ones who for years operated the sale of the bonds in Japan. If this issue can not get stopped, the risk will spread from a market risk to a currency risk where Japan, China, UK and other large holders of US Debt sell the US Bonds and there is no one to buy. If this happens the value of the US Dollar will dramatically drop. Then the risk becomes not a stock market risk but a stock market risk in terms of the US Dollar.

Own-Wolverine-5361

I got my loan application ready for Mitsubishi UFJ Financial Group (MUFG) Bank. Get me sone yen, so I could yolo into some 0dte

Slow-Information-847

peeps, relax, relax, Monday is a green day. The whole Asian selloff thing, is just catching up with our Friday. Look at TSM in TWSE, 2340, it fell from 43.26 to 36.75 today, roughly 1/6. Look at TSM, it fell from 187 to 150, that has been 20%. it should be up 3% tomorrow. Then you look at MUFG on Friday, it lost 11%+. Asia is just catching up to our moves last week

sonofalando

MUFG SHARES FALL AS MUCH AS 21%, MOST ON RECORD This, for those asking, is Japan's largest bank, their JPMorgan if you will

Churrasquinho

MUFG (Mitsubishi UFJ Financial Group)

bodymindtrader

BREAKING: MUFG (Chase Bank of Japan) is down 25% 🩸🩸🩸🤌🏾

stoffel_bristov

My source was zero hedge. I can't link it here as its not a preferred Reddit source. I don't know whether the Nikkei was halted but this is what ZH had to say. Evidently its their bond market that was halted? That is actually a bigger market than the Nikkei *CIRCUIT BREAKER TRIGGERED FOR TOPIX INDEX ... as it too enters a bear market... *JAPAN'S TOPIX INDEX FALLS 20% FROM JULY PEAK ... and the entire Japanese bond market: *CIRCUIT BREAKER TRIGGERED FOR JAPAN GOVT BOND FUTURES Meanwhile, among today's freefalling stocks are such names as the iconic Nintendo... *NASDAQ 100 FUTURES DROP AS MUCH AS 2% ...and perhaps something more troubling, is that Japan's megabanks are in freefall, starting with Mizuho... *MIZUHO SHARES FALL AS MUCH AS 12%, MOST SINCE MARCH 2020 and ending with Japan's largest bank, its JPMorgan, if you will, which just plunged the most on record! *MUFG SHARES FALL AS MUCH AS 21%, RECORD INTRADAY DECLINE It's not just Japan: Korea is getting swept in as well... *KOSPI INDEX SLUMPS, TAKING LOSSES FROM JULY PEAK TO 10% ... and of course, the US, where Nasdaq futures crashing as much as 2% and the S&P is down 1.1%

According_Freedom_62

MUFG Bank

GamblingMikkee

Welp my MUFG shares will be worthless

StockholmStock

MUFG SHARES FALL AS MUCH AS 21%, MOST ON RECORD This, for those asking, is Japan’s largest bank, their JPMorgan if you will

ajstewart03

Thoughts on MUFG??

tbstults

MUFG Mitsubishi Financial.

Cid-Itad

I would buy Tenstorrent if they were public, but unfortunately they're not. Meta (Zuckerberg), surprisingly, has a strong IP portfolio and team developing their own RISC-V chips. SiFive if you're able to get some pre-IPO shares on one of those exchanges. If you want to catch the peripheral market, TSMC, Intel, and Samsung are good bets, Rapidus is still a private company but owned by: Denso, Kioxia, MUFG Bank, NEC, NTT, SoftBank, Sony, and Toyota.

TaxGuy_021

For the approximately $8.8 billion construction and term facilities, BNP Paribas, Crédit Agricole Corporate and Investment Bank, CoBank, ACB; Desjardins Group, Export Development Canada, ING Capital LLC, Intesa Sanpaolo S.p.A., New York Branch, KFW IPEX-Bank, MUFG Bank, Ltd., National Bank of Canada, Natixis Corporate & Investment Banking, Societe Generale, Sumitomo Mitsui Banking Corporation and Wells Fargo Securities, LLC acted as Initial Coordinating Lead Arrangers and Joint Bookrunners. Banco Bilbao Vizcaya Argentaria, The Bank of Nova Scotia and Sumitomo Mitsui Trust Bank, Limited, New York Branch acted as Coordinating Lead Arrangers. A $2.25 billion tax equity term loan facility was provided by Banco Santander, S.A, New York Branch and Santander Bank N.A. (SBNA) as Joint Coordinating Lead Arrangers. Bank of America, GE Vernova’s Financial Services business, Natixis Corporate & Investment Banking and Royal Bank of Canada acted as Joint Lead Arrangers. SBNA acted as administrative agent. The facility monetizes project tax credit attributes.

Timbishop123

MUFG owns 22% of Morgan Stanley as well

mark2talyho

Why don't you take a look at the charts of the big 4 banks over there, MUFG MFG SMFG and SoftBank Group Corp (9984 on the TSE). Something broke big time because they are all losing their entire ass.

LithiumH

Yes just to be clear. > To fund his $44 billion offer, Mr. Musk has secured $13 billion in loans from investment banks including Morgan Stanley, Bank of America Corp., Barclays PLC and MUFG Bank Ltd., and a $12.5 billion margin loan secured by a portion of his stake in Tesla Inc. [Source](https://www.wsj.com/articles/elon-musks-buyout-will-load-twitter-with-debt-high-leverage-ratio-11651007981) And I believe in the event of a bankruptcy Elon would at least have to pay back the 12.5 billion margin loan, so there is an incentive for him not to declare bankruptcy, which is probably why banks are willing to lend him 13 billion. The interest rates on that loan is like a billion dollars a year, so worst case Elon declares Twitter bankrupt, sell some Tesla shares to cover his portion, and banks liquidate X and there will be no more Twitter.

drew-gen-x

A new 52 week high for 2 Japanese banks $SMFG and $MUFG. Everyone that was BTD in the banking stocks in April bought stock in banks from the wrong country.

mrmrmrj

$MUFG up 15 days in a row. Short it for trade. I shorted when up 12 days, down $300 on 4,000 shares but holding. 1-2% drop is inevtiable.

mrmrmrj

MUFG up 12 days in a row. Short it.

mrmrmrj

$MUFG up 10 days in a row. Short it. $WU and $SEE were up 9 days in a row as of Friday and they are down today.

drew-gen-x

1 - Do your own DD but for financial stocks, but I opened a position in $CBOE and I am going to add there. I also have $HSBC and Japanese banks $SMFG and $MUFG on my watch list. I find the Japanese economy very intriguing and their stocks relatively cheap. 2 - The railroads are very interesting; but I have always liked the oil & gas pipelines for stocks with very high moats. I own quite a bit of Kinder Morgan. I am going to diversify a bit and open a position in Energy Transfer after their earnings sell off today.

drew-gen-x

Yeah, I opened a position in $SONY last week. I have also been looking at Japanese banks $SMFG and $MUFG since their banks don't seem to have the risk that US banks do right now.

KavorcaCurse

I honestly think this is the beginning of massive consolidation in the banking industry in the US. Other countries have much more consolidated banking sectors. If you are a CFO or Treasurer and you are not banking with a money center bank in the US, you likely are getting a lot of questions from your board. I think the top US banks and the largest banks in each country are going to dominate the landscape given that the largest banks in each country are too big to fail. I think the below banks can’t fail and will dominate banking in the future even more so than now. The look stupid factor is too high right now to not be using one of these banks in the US. US - JPM, BofA, Wells UK - HSBC CANADA - BMO, TD France - PNB Baripas, SocGen, Credit Agricole Germany - DB Japan - MUFG, SMBC Switzerland - UBS

mista_r0boto

And they have backing from MUFG (a top Japanese bank). They will not fail.

computery_stuff

SAN -4.5% MUFG -4.3% SMFG -3.7% ING -3.3% BBVA -5.1% Spanish, dutch and japanese banks getting shredded.

Pura112

I have a small 500 share lot of MUFG in hopes BOJ realizes they'll have to play ball at some point. In @ 7.01, sitting at 6.50 currently. Should be a good scalp, but BOJ does BOJ things. UK was sticky hot. I will be buying puts for next CPI.

ValueInvesting72

Not true. They are being financed by MUFG bank of Japan and Macquarie Capital and Total is poised to take part in the financing as swell as released by POTEN. [NextDecade Clarifies Recent News Articles about its Financial Advisors (yahoo.com)](https://finance.yahoo.com/news/nextdecade-clarifies-recent-news-articles-214800473.html)

samonyx

There are 30 GSIBs, not just these 4 (many of which have a smaller presence outside of the US). Also MS is in the lowest tier of GSIBs. The globally systematically important banks officially are: Tier 4: JP Tier 3: BoA, Citi, HSBC Tier 2: Bank of China, Barclays, BNP, Deutsche, GS, ICBC, MUFG Tier 1: 19 banks including MS.

Particular-Wedding

https://asia.nikkei.com/Editor-s-Picks/Interview/Ex-MUFG-CEO-reveals-background-of-investment-in-Morgan-Stanley

iisanaggie

Writing was on the wall for ages for purepoint after they shut all of their B&M locations, stopped raising interest rates, and MUFG bank sold to us bank.

Stone_624

I live in Japan and my bank is MUFG, the one that bailed out JPM in 2008 with a 9 Billion USD physical check. I think I'll be good. All my money is in my brokerage, And puts are WAY exceeding any equity losses (Which I hold solely for dividends, so I PREFER stock market goes down since I can buy more for cheaper and get higher yields). Had 3 personal record days this past week. Everything about the market crashing is positive for me. Lets Gooooo!!

Stone_624

I live in Japan, My bank is MUFG, the one that sent a 9 Billion USD check to JPM during the financial crisis. I think I'll be good in the event of a US banking system crisis. My only USD account is with Wise which I only use to transfer money between Japan and my US Brokerage. So long as my Brokerage doesn't go under, I'll be good. I own Dividend stocks, which are taking a hit, But I'm making WAY more than my losses off Put options. Yesterday was my single best day I've ever had. I had 3 consecutive best performing days in a row this week alone. Crash and Burn US Banking System, I'm ready to be rich!

Pura112

Limped in to MUFG shares.

Okelie_Dokelie

I was told run away inflation would kill $MUFG about 4 or so months ago here when I tried bringing up foreign manufacturing tickets I was investing in. The ridiculous baseless pessimism kills most meaningful conversation here.

drew-gen-x

I've been watching $SMFG and $MUFG for the same possible trade. The Bank of Japan is going to have to make a decision soon whether or not they are going to keep their current bond yield caps or not. Japan's PPI inflation hit a 42 year high in December of 2022 meaning their current bond yield controls are not working. I believe if the BOJ increases their bond yields ceiling than the Yen moves much much higher vs the DXY dollar.

baeconundeggz

Yen gonna soar. Picked up some MUFG the other day to play this.

TalkingTajik

MUFG has really been on a roll. I wish I understood banks better in general. It seems like Japanese companies are always criticized for being so conservative. I’m not smart enough to know whether that’s fair or not - but that cash sure comes in handy during a crisis. MUFG actually bailed out Morgan Stanley during the financial crisis. [Morgan Stanley has paid off smartly for MUFG](https://www.reuters.com/article/us-mufg-results-breakingviews-idUSKCN1IH08C) [MUFG and Morgan Stanley: Inside the special relationship](https://www.euromoney.com/article/b1b93pw5zhy62d/mufg-and-morgan-stanley-inside-the-special-relationship)

Okelie_Dokelie

I still can't get over how well $MUFG is performing, almost 80% in 3mo is ridiculous for a completely run of the mill boring stock.

vegastrashy

Optimum Bank, OPHC, a small 2-3 branch operation in Florida has become very stable and comfortable in its new home of around 4.40 - 4.65 a share these days. MUFG is another. This type of financial tends to have a large spread and no pre or after market trading.

DunkButter

These are the financiers listed in the link I posted: Bank of America Barclays BNP Paribas Mizuho Morgan Stanley MUFG Societe Generale None of them are Chinese

ninkorn

MUFG is not even second tier bank, They are like 4th tier. Getting into a dumb JV like that is why they are always laying people off and announce restructuring even in good times

VisualMod

>MUFG BANK TO FORM 3D MAP JV WITH TOYOTA-BACKED DMP - YOMIURI ^First ^Squawk ^[@FirstSquawk](http://twitter.com/FirstSquawk) ^at ^2022-10-30 ^18:21:55 ^EDT-0400

Beautiful_Cookie_639

Do you think the US and MUFG merger approval announcement will lead to a USB stock increase?

Magikarp_to_Gyarados

I did the math awhile ago: [https://www.reddit.com/r/TSLALounge/comments/wha99m/comment/ij9jf6g/?utm\_source=share&utm\_medium=web2x&context=3](https://www.reddit.com/r/TSLALounge/comments/wha99m/comment/ij9jf6g/?utm_source=share&utm_medium=web2x&context=3) Elon Musk needs to control 765.25 Million TWTR shares for the buyout, max price of $54.20/share. We know certain existing shareholders have or are likely to cooperate (keeping their stake in Twitter as a private company): * subtract 73.115038 Million shares already owned by Elon * subtract 34,948,975 shares from HRH Prince Alwaleed Bin Talal Bin Abdulaziz Alsaud (Kingdom of Saudi Arabia) = 657,185,987 (from SEC filing) * 18,042,428 shares from Jack Dorsey (former Twitter CEO) = 639,143,559 shares needed **Elon therefore needs a combination of cash and financing to buy 639,143,559 TWTR shares \* 54.20/share = $34,641,580,897.80 needed** We know from SEC filings that he secured: * $7.139 billion from Private Equity Investors * $13 Billion from non-margin debt commitment via Morgan Stanley, Bank of America, Barclays, MUFG, BNP Paribas, Mizuho and Société Générale 1. (from Financial Times article) Sources: [https://www.sec.gov/Archives/edgar/data/0001494730/000110465922056055/tm2214608-1\_sc13da.htm](https://www.sec.gov/Archives/edgar/data/0001494730/000110465922056055/tm2214608-1_sc13da.htm) [https://www.ft.com/content/00015fb3-03e4-492f-9f8b-448172ab4aee](https://www.ft.com/content/00015fb3-03e4-492f-9f8b-448172ab4aee) Leaving Elon needing to raise an additional $14,502,580,897.8 * He sold 8.5 Billion worth of TSLA stock in April 2022: [https://www.reuters.com/business/musk-sells-tesla-shares-worth-4-bln-says-no-more-sales-planned-2022-04-29/](https://www.reuters.com/business/musk-sells-tesla-shares-worth-4-bln-says-no-more-sales-planned-2022-04-29/)). * And an additional 7 Billion worth of TSLA in August 2022: [https://markets.businessinsider.com/news/stocks/elon-musk-tesla-stock-sale-7-billion-twitter-deal-likely-2022-8?op=1](https://markets.businessinsider.com/news/stocks/elon-musk-tesla-stock-sale-7-billion-twitter-deal-likely-2022-8?op=1) * Total of **15.5 Billion worth of TSLA shares sold** It is unclear what taxes he would pay on these sales, as we do not know which lots of shares he sold and how much capital gains he realized on those shares. *He may not have paid any taxes on these sales*, if they are recently acquired shares (via options exercise) with very high cost basis Based on this math, Elon has the cash lined up. He stated at the Tesla shareholder meeting in August 2022 that he wanted to buy Twitter to accelerate his X .com plans by 3 years. I believe he fully intends to do this.

M0gully

April 20, Musk disclosed that he had secured financing provided by a group of banks led by Morgan Stanley, Bank of America, Barclays, MUFG, Société Générale, Mizuho Bank, and BNP Paribas, for a potential tender offer to acquire the company.\[26\]\[27\] The funding included $7 billion of senior secured bank loans; $6 billion in subordinated debt; $6.25 billion in bank loans to Musk personally, secured by $62.5 billion of his Tesla stock; $20 billion in cash equity from Musk, to be provided by sales of Tesla stock and other assets; and $7.1 billion in equity from 19 independent investors

ReviewEquivalent1266

Good question. Okay I think there is 50/50 chance the court will force X Holdings I Inc. to buy Twitter for $54.20. Assuming the court orders specific performance everything will hinge on whether or not the lenders fund the $13B in debt. There are LOTS of people here on Reddit like u/screamingsnake828 that think there is ZERO chance that the lenders won't fund. I have read reports that if Elon doesn't want to do the deal the lenders won't fund. I'm giving it a 50/50 chance as well. Here is my thinking on the lenders: At least 65% of the initial lenders must agree to move forward with the deal - lenders include: MORGAN STANLEY SENIOR FUNDING, INC., BNP PARIBAS SECURITIES CORP., BOFA SECURITIES, INC., MIZUHO BANK, LTD., BARCLAYS, SOCIETE GENERALE, and MUFG. There are a number of conditions to close that are all very technical but there are a few that stand out: 1. If 65% of the lenders believe the company has experienced at Material Adverse Effect they don't have to fund; 2. If 65% of the lenders don't approve of the Investment Bank they don't have to fund; 3. The borrow's representative (likely Elon Musk) will need to attest to the company's value or the banks don't have to fund. Before the lenders will fund someone at X Holdings I Inc. (presumably Elon Musk) will have to sign something called a Solvency Certificate. If it is not signed the lenders do NOT have to fund. For example, Elon would need to swear that the fair market value of the company (including contingent liabilities) is greater than the amount borrowed. He'll need to swear that the company has enough cash to operate without borrowing more. And so on. What if Elon doesn't agree with those certifications? His sworn statements in the DE court put them in doubt. Anyway, if the lenders think that Twitter has suffered an MAE they don't have to fund. Then Twitter could get the court to let it act on X Holdings I Inc. behalf and sue the lenders. But that case wouldn't take place in DE - it would take place in NY - where the courts operate far more slowly. The drop dead date is in April - if they can drag it out until then they are out of the deal for good.

Effective-Click2415

What do you guys think about puts on MUFG. Since Putin is nationalizing Sahalin-2 Mitsubishi is gonna take a big hit IMO.

Majinn_182

Thank you, that is an awesome high level summary. Where I am at in my research is I am confident that, relative to North American, MUFG does appear to take on a whole less risk. I am trying to ascertain/quantify (or attempt to) their behaviour in credit risk relative to the net interest margin generated. I’m trying to see if they are better at extracting money on risk unit then let’s say JPM. I would have thought this would have been done to death but turns out … not really.

Givemelotr

I'll help you a bit with your essay. I know a lot about MUFG. Won't say publicly what the source is, but you can trust me on it. Morgan Stanley is an equity investment for MUFG. The operations are completely separate except in Japan where there is a joint venture between MS and MUFG. MUFG has its own investment banking division (Global IB) although it is closer to corporate banking with many typical IB activities such as M&A advisory or ECM issuance not being part of its services. MUFG still does acquisition finance and are also big in underwriting DCM. Also, they are probably the largest bank in project finance. The reason the bank cannot be split up is because 1) regulation; 2) very high level of integration with certain activities financing other ones; 3) it is a relationship bank and wants to provide a whole suite of services to a corporate. MUFG is conservative and doesn't like taking risks. Most lending is done to IG corporates. Balance sheet is not utilised very effectively. Bank is trying to improve on this, but exiting unprofitable relationships can be difficult especially in Japan where name lending is still very prevalent (lending on the basis of relationship and reputation rather than business case).

Majinn_182

Thanks - love all the detail and I will have a look at the essay. I really appreciate the thoughtful responses! If I can ask another question: how would you assess the performance of a bank relative to how much risk they are taking on? I’ve been digging into MUFG a lot and either on a gross loan basis or risk weighted assets basis, there is no growth in their loan book yet net interest margin is falling each year and ROA is also not great. I must be missing something because I don’t understand how such a large bank consistently u underperforms.

Majinn_182

Haha - I am certainly not qualified to comment on that but I do find it puzzling when a bank (like MUFG) under performs for over a decade and … nothing happens.

steve_abel

MUFG is a megabank. It got that large because the government encouraged Mitsubishi bank to merge with Sanwa and Tokai banks. Similar to how the US government encouraged mergers between banks following the great recession. The combination was made to protect depositors. On the other hand: MUFG is not a conglomerate. It is a pure play bank. The most secondary position it owns is Morgan Stanley. Which it acquired during the great recession. It is a mature company with stable profits. There isn't a safe way to "juice" a bank. Regulators would shut down any corporate raider types.

Majinn_182

Your second point is interesting. I am doing a Masters Degree in Applied Finance and I am studying a particular Japanese bank (MUFG) and I was wondering about exactly this point: there seems to be a lot of "conglomerate" types companies in Japan, with very stagnant growth/earnings. I would expect that, in North America, corporate raiders/activist investors would have broken those up to unlock value and at least try to turn things around. I haven't found a paper or anything on this topic because somehow this doesn't seem to happen in Japan. I think you might be on to something ... Majinn

Automatic-Dot-8066

MUFG puts

AromaticFarmer

More VXUS and SCHD with to preserve the bag. Long dated BBBY calls. MUFG. PRPL...that is all...

_Galactron_

Anybody have a strategy in USB? Bought some calls today. Wen MUFG bank merger

cutiesarustimes2

"This double-tightening of hiking and launching QT will likely further tighten financial conditions (and thus do the work for the Fed and limit how far they go). Our central tendency for total 2022 hikes is now moved to 4 from 3" MUFG @bondstrategist

essex_ludlow

AMC isn’t running operations... they don’t need to know anything about mining. AMC can share their expertise in marketing, fundraising, and corporate governance, etc. Some of the most famous companies in the world didn’t know how to do anything they are currently doing today. Nintendo was a playing card company before video games & electronics. Samsung was a shipping business and now makes the majority of electronics, industrials, etc. Mitsubishi was a trading company, now makes electronics, cars, appliances owns a school, owns a bank (MUFG). Netflix was a failing dvd rental company turned streaming company.

Awkward-Painter-2024

Man, I parked a bunch of cash in MUFG and I got shook. Had I stayed, would have like 40% gains. So yes, yes, yes!

VisualMod

>@federalreserve @USOCC announce public meeting on proposed U.S. Bancorp Acquisition of MUFG Union Bank, National Association; public comment period extended: [federalreserve.gov/newsevents/pre…](https://t.co/rdOroovlLA) ^Federal ^Reserve ^[@federalreserve](http://twitter.com/federalreserve) ^at ^2022-02-07 ^14:02:00 ^EST-0500