Net Fee and Commission Income

12 Months Ended

Mar. 31, 2026

28	NET FEE AND COMMISSION INCOME

Net fee and commission income for the fiscal years ended March 31, 2026, 2025 and 2024 consisted of the following:


	For the fiscal year ended March 31,
	2026		2025		2024

	(In millions)
Fee and commission income from:
Loans	¥	212,445	¥	212,346	¥	160,758
Credit card business		516,078		483,815		432,983
Guarantees		89,169		83,104		82,323
Securities-related business		296,832		245,651		196,019
Deposits		18,985		18,971		18,437
Remittances and transfers		165,314		159,024		152,121
Safe deposits		3,639		4,025		4,321
Trust fees		11,722		9,734		8,195
Investment trusts		223,376		191,689		166,532
Agency		8,280		8,636		9,538
Others		259,255		214,324		238,620

Total fee and commission income		1,805,095		1,631,319		1,469,847

Fee and commission expense from:
Remittances and transfers		37,183		31,672		30,197
Others		250,145		283,259		203,518

Total fee and commission expense		287,328		314,931		233,715

Net fee and commission income	¥	1,517,767	¥	1,316,388	¥	1,236,132

Primary sources of fee and commission income are fees and commissions obtained through the credit card business, securities-related business and investment trusts, loan transaction fees, and remittance and transfer fees. Loan transaction fees principally arise in the Wholesale Business Unit and the Global Business Unit. Fees obtained through the credit card business principally arise in the Retail Business Unit. Fees and commissions obtained through the securities-related business principally arise in the Wholesale Business Unit, the Retail Business Unit and the Global Business Unit. Remittance and transfer fees principally arise in the Wholesale Business Unit, the Retail Business Unit and the Global Business Unit. Fees and commissions obtained through investment trusts principally arise in the Retail Business Unit and Head office account and others, which include the investment advisory and investm

ent

trust management businesses.