MUFG boasts substantial capital reserves and enjoys a strong credit rating, which underscores its financial stability and capacity to weather economic downturns. Furthermore, the firm has a broad international presence, with operations spanning over 50 countries, providing it with a significant diversification advantage. Additionally, MUFG's integrated services in commercial banking, securities, and asset management offer clients a comprehensive financial solution.

Despite its robust global presence, MUFG has faced challenges with its non-Japanese operations, often struggling to achieve the same level of profitability as in its domestic market. The firm has also been slow in adopting cutting-edge digital banking technologies compared to its Western counterparts, posing a potential risk in the age of FinTech disruption.

MUFG has significant growth opportunities in expanding its digital banking and FinTech initiatives, aiming to capitalise on the digital transformation in financial services. Given its strong presence in Asia, the firm is well-positioned to benefit from the region’s economic growth. Strategic partnerships and acquisitions in emerging markets could also further cement MUFG's global footprint and enhance revenue streams.

The ongoing global economic uncertainty and low interest rate environment pose significant challenges to MUFG's profitability. Regulatory changes and compliance requirements in different countries could also complicate its international operations. Additionally, intensifying competition from FinTech firms and other non-traditional banking institutions could erode its market share unless it rapidly adapts to technological advancements.

In the past two years, MUFG has made significant strides, including a major investment in Grab Holdings, Southeast Asia's leading super-app, underscoring its commitment to digital innovation and regional expansion. Another notable event was the strategic acquisition of key aviation finance portfolios from DVB Bank, aimed at bolstering MUFG's position in the global aviation finance sector.