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Exhibit 99(b)

CAPITALIZATION AND INDEBTEDNESS

The following table presents our capitalization and indebtedness at September 30, 2025:

			At September 30, 2025
			(in millions)
Total short-term borrowings(1)			¥	64,155,195
Long-term debt:
Obligations under finance leases			20,841
Unsubordinated debt			16,563,354
Subordinated debt			5,621,087
Obligations under loan securitization transactions			287,078
Debt issuance costs			(17,510)
Total long-term debt			22,474,850
Shareholders’ equity:
Capital stock, with no stated value (common stock authorized: 33,000,000,000 shares; common stock issued: 12,067,710,920 shares)			2,090,270
Capital surplus			4,299,510
Retained earnings:
Appropriated for legal reserve			239,571
Unappropriated retained earnings			10,535,168
Accumulated other comprehensive income, net of taxes			2,389,475
Treasury stock, at cost: 685,760,829 common shares			(975,719)
Total shareholders’ equity			18,578,275
Noncontrolling interests			1,086,450
Total equity			19,664,725
Total capitalization and indebtedness			¥	42,139,575

Note:

(1)

Total short-term borrowings consist of call money, funds purchased, payables under repurchase agreements, payables under securities lending transactions, due to trust account and other short-term borrowings.