Mitsubishi UFJ Financial Group Long-Term Debt 2011-2025 | MUFG

Long-term debt is a financial obligation of a company or an individual with a repayment period exceeding one year from the date it arises. In accounting, such obligations are recorded under the "long-term liabilities" section.

Main characteristics:

Term exceeds 12 months
Can take the form of bonds, bank loans, credit lines, leasing, or loans from affiliated parties
Repaid through regular payments (interest and/or principal) over several years

Why long-term debt is needed:

Investment in development
Allows financing of large projects — new factories, production lines, innovative developments — without diverting working capital.
Smoothing of cash flows
A long-term payment schedule facilitates budget planning and reduces short-term financial risks.
Optimization of capital structure
A combination of equity and borrowed capital can reduce the average cost of business financing.

A high level of long-term debt may indicate that a company heavily relies on borrowed funds. This increases risks, especially in conditions of rising interest rates or declining profits. However, a moderate level of debt can signal a sound growth strategy — for example, the company takes a loan to expand its business.

If a company uses borrowed funds effectively (e.g., invests in profitable projects), this can lead to profit growth and, consequently, an increase in stock value. An investor evaluates whether the investments made using debt are paying off.

It is important to monitor whether the company can regularly pay interest and repay the principal. Payment difficulties can lead to reduced dividends, a drop in stock value, and even bankruptcy.

Examples of long-term debt:

Mortgage loans for property purchases
Corporate bonds issued by a company to raise capital
Project financing — long-term loans for building or expanding production facilities
Leasing obligations for equipment or transport

Annual Long-Term Debt Mitsubishi UFJ Financial Group

2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
-	-	-	-	-	27.9 T	28 T	27.1 T	26.1 T	22 T	20 T	14.5 T	12.2 T	16.2 T	16.6 T

All numbers in JPY currency

Indicator range from annual reports

Maximum	Minimum	Average
28 T	12.2 T	21.1 T

Quarterly Long-Term Debt Mitsubishi UFJ Financial Group

2022-Q4	2022-Q3	2022-Q2	2022-Q1	2021-Q4	2021-Q3	2021-Q2	2021-Q1	2020-Q4	2020-Q3	2020-Q2	2020-Q1	2019-Q4	2019-Q3	2019-Q2	2019-Q1	2018-Q4	2018-Q3	2018-Q2	2018-Q1	2017-Q4	2017-Q3	2017-Q2	2017-Q1	2016-Q4	2016-Q3	2016-Q2	2016-Q1	2015-Q4	2015-Q3	2015-Q2	2015-Q1	2014-Q4	2014-Q3	2014-Q2	2014-Q1	2013-Q4	2013-Q3	2013-Q2	2013-Q1	2012-Q4	2012-Q3	2012-Q2	2012-Q1	2011-Q4	2011-Q3	2011-Q2	2011-Q1
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	11.7 T	-	12.6 T	-	12.8 T	-	13.4 T

All numbers in JPY currency

Indicator range from quarterly reporting

Maximum	Minimum	Average
13.4 T	11.7 T	12.6 T

Long-Term Debt of other stocks in the Banks industry

Issuer	Long-Term Debt	Price	% 24h	Market Cap	Country
Credit Suisse Group AG CS	161 B	-	-0.03 %	$ 3.27 B	Schweiz
Banco de Chile BCH	9.15 T	$ 38.25	-1.32 %	$ 2.17 T	Chile
Foreign Trade Bank of Latin America BLX	1.99 B	$ 45.38	0.54 %	$ 914 K	Panama
The Bank of Nova Scotia BNS	26.3 B	$ 73.14	0.52 %	$ 56 B	Canada
Banco Bilbao Vizcaya Argentaria, S.A. BBVA	66.3 B	$ 22.98	1.75 %	$ 132 B	Spain
Банк ВТБ VTBR	3.17 T	-	-	-	Russia
Bank of America BAC	283 B	$ 55.42	0.51 %	$ 435 B	USA
Canadian Imperial Bank of Commerce CM	5.71 B	$ 93.09	0.24 %	$ 17.8 B	Canada
Generations Bancorp NY GBNY	27.6 M	-	1.23 %	$ 34.4 M	USA
Сбербанк SBER	6.17 T	-	-	-	Russia
TCS Group Holding PLC TCSG	69.7 B	-	-	-	Russia
Bank of Montreal BMO	8.42 B	$ 132.25	0.47 %	$ 54.1 B	Canada
Citigroup C	287 B	$ 113.05	1.1 %	$ 215 B	USA
Bank of the James Financial Group BOTJ	10 M	$ 18.05	0.28 %	$ 82.4 M	USA
East West Bancorp EWBC	36 M	$ 113.6	-0.02 %	$ 15.8 B	USA
Great Western Bancorp, Inc. GWB	304 M	-	-2.02 %	$ 1.82 B	USA
Itaú Corpbanca ITCB	10 T	-	1.18 %	$ 2.2 B	Chile
Eastern Bankshares EBC	34.3 M	$ 19.55	-0.53 %	$ 3.54 B	USA
Westpac Banking Corporation WBK	179 B	-	-1.17 %	$ 52.7 B	Australia
America First Multifamily Investors, L.P. ATAX	1.69 M	-	-0.1 %	$ 424 M	USA
Credicorp Ltd. BAP	22.3 B	$ 283.75	0.53 %	$ 11 B	Peru
HDFC Bank Limited HDB	1.55 T	$ 36.0	0.36 %	$ 199 B	India
Lloyds Banking Group plc LYG	899 M	$ 5.13	1.59 %	$ 150 B	Britain
Grupo Aval Acciones y Valores S.A. AVAL	58.6 T	$ 4.12	-	$ 2.93 B	Colombia
International Bancshares Corporation IBOC	761 M	$ 72.78	0.39 %	$ 4.53 B	USA
The Bank of N.T. Butterfield & Son Limited NTB	171 M	$ 51.18	-0.33 %	$ 1.43 B	Bermuda
Banco Santander, S.A. SAN	235 B	$ 11.61	2.07 %	$ 65.8 B	Spain
OptimumBank Holdings OPHC	25.1 M	-	0.21 %	$ 34.4 M	USA
Premier Financial Corp. PFC	121 M	-	-	$ 1 B	USA
JPMorgan Chase & Co. JPM	291 B	$ 320.0	0.37 %	$ 920 B	USA
Sumitomo Mitsui Financial Group SMFG	26 T	$ 19.66	3.18 %	$ 26.9 B	Japan
Royal Bank of Canada RY	9.87 B	$ 167.19	0.78 %	$ 128 B	Canada
The Toronto-Dominion Bank TD	41 B	$ 92.03	0.68 %	$ 113 B	Canada
South State Corporation SSB	106 M	$ 96.95	0.98 %	$ 7.4 B	USA
UBS Group AG UBS	156 B	$ 42.69	-1.19 %	$ 81.8 B	Schweiz
Wells Fargo & Company WFC	173 B	$ 92.76	-0.02 %	$ 318 B	USA