Exhibit 99(b)

CAPITALIZATION AND INDEBTEDNESS

The following table presents our capitalization and indebtedness at September 30, 2019:

	At September 30, 2019
	(in millions)
Total short-term borrowings(1)	¥	40,405,524
Long-term debt:
Obligations under finance leases		26,097
Unsubordinated debt		22,064,920
Subordinated debt		4,944,500
Obligations under loan securitization transactions		630,167
Debt issuance costs		(16,228	)
Total long-term debt		27,649,456
Shareholders’ equity:
Capital stock, with no stated value (common stock authorized: 33,000,000,000 shares; common stock issued: 13,667,770,520 shares)		2,090,270
Capital surplus		5,580,795
Retained earnings:
Appropriated for legal reserve		239,571
Unappropriated retained earnings		8,553,535
Accumulated other comprehensive income, net of taxes		(404,141	)
Treasury stock, at cost: 742,091,586 common shares		(514,765	)
Total shareholders’ equity		15,545,265
Noncontrolling interests		984,774
Total equity		16,530,039
Total capitalization and indebtedness	¥	44,179,495

Note: (1) Total short-term borrowings consist of call money, funds purchased, and payables under repurchase agreements, payables under securities lending transactions, due to trust account and other short-term borrowings.