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Mitsubishi UFJ Financial Group Invests US$706Million in Grab / Grab社との資本・業務提携について

MUFG Bank Enters into Capital and Business Alliance with Grab

Tokyo/Singapore, February 25, 2020 --- MUFG’s core banking subsidiary MUFG Bank today announced that it has entered into a capital investment and strategic alliance agreement (the Alliance) with Grab Holdings Inc. (Grab), the leading super app in Southeast Asia. As part of the Alliance, MUFG plans to invest up to US$706 million in total in Grab. MUFG will also leverage its strategic partner bank relationships in Southeast Asia to cooperate with Grab to provide new innovative financial services to clients in Southeast Asia.

Funding for MUFG’s investment will come from MUFG Bank, MUFG Innovation Partners [1] and Krungsri Finnovate [2]. In Asia, MUFG has acquired strategic equity stakes in leading Southeast Asian banks, further augmenting its network across the region. MUFG has equity stakes in Vietnam Joint Stock Commercial Bank for Industry and Trade in Vietnam, Bank of Ayudhya Public Company Limited in Thailand, Security Bank Corporation in the Philippines and PT Bank Danamon Indonesia, Tbk. in Indonesia [3].

1. Purpose and background of the Alliance

Amid dramatic changes in daily life with the spread of information and communications technology accompanying digitalization, a new business model is emerging in the financial sector, different from the one traditionally used by financial institutions.

Such changes are occurring rapidly in emerging countries, including those in Southeast Asia, where there is a growing trend for platform providers who offer highly convenient services closely linked with daily life to also provide innovative financial services leveraging data and AI technology.

Grab is the leading super app in Southeast Asia, offering convenient and everyday digital services including ride-hailing, food delivery and digital payments to tens of millions of active users and millions of drivers. By leveraging advanced AI technology to analyze data aggregated by its super app from drivers, merchants and users, Grab is recognized for providing new innovative financial services that are more attuned to their customer needs.

MUFG intends to harness the Alliance to deepen synergies in its regional network including its unique partner bank relationships in Southeast Asia and further captures business opportunities in the region.

2. Strategic significance

MUFG aims to provide next-generation financial services by combining our strengths in financial knowledge and know-how (financial product development, creditworthiness, risk management, etc.) with Grab's advanced technologies and data management expertise. Through the Alliance, we will also leverage our initiatives and experience in Southeast Asia with Grab to accelerate both the evolution of MUFG's business model and the realization of next-generation digital financial services, including in Japan. In addition to building a strategic partnership with Grab, we will also establish a solid relationship with Grab as its “First Choice Bank.”

As part of its efforts towards developing a sustainable society, MUFG has identified seven environmental and social issues based on the UN Sustainable Development Goals, and has advanced initiatives to utilize its financial business to resolve each of these issues.

Financial services provided by both MUFG and Grab contribute greatly to the sustainable growth of local communities through financial inclusion, promotion of innovation, and the creation of new jobs. In this respect, MUFG is aligned with Grab’s philosophy of solving social issues on a global basis.

Through the Alliance, MUFG will partner with Grab with the aim of trailblazing new and exciting paths in technological innovation and the development of a digital economy in Asia.

3. About Grab

Grab is the leading super app in Southeast Asia, providing everyday services that matter most to consumers. Today, the Grab app has been downloaded onto over 185 million mobile devices, giving users access to over 9 million drivers, merchants and agents. Grab offers the widest range of on-demand transport services in the region, in addition to food, package delivery, digital payments and financial services, across 339 cities in eight Southeast Asian countries. For more information, see: http://www.grab.com.


[1] A corporate venture capital fund and consolidated subsidiary of MUFG [2] A corporate venture capital subsidiary of Bank of Ayudhya Public Company Limited, a major commercial bank and consolidated subsidiary of MUFG Bank located in the Kingdom of Thailand. [3] Bank of Ayudhya Public Company Limited, a major commercial bank and consolidated subsidiary of MUFG Bank located in the Kingdom of Thailand, PT Danamon Indonesia, Tbk, a major commercial bank and consolidated subsidiary of MUFG Bank located in the Republic of Indonesia, Security Bank Corporation, a major regional commercial bank and MUFG equity method affiliate located in the Republic of the Philippines, and Vietnam Joint Stock Commercial Bank for Industry and Trade, a major state-run bank and MUFG equity method affiliate located in the Socialist Republic of Vietnam.

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About MUFG

Mitsubishi UFJ Financial Group, Inc. (MUFG) is one of the world’s leading financial groups. Headquartered in Tokyo and with over 360 years of history, MUFG has a global network with over 2,700 locations in more than 50 countries. The Group has over 180,000 employees and offers services including commercial banking, trust banking, securities, credit cards, consumer finance, asset management, and leasing. The Group aims to “be the world’s most trusted financial group” through close collaboration among our operating companies and flexibly respond to all of the financial needs of our customers, serving society, and fostering shared and sustainable growth for a better world. MUFG’s shares trade on the Tokyo, Nagoya, and New York stock exchanges. For more information, visit https://www.mufg.jp/english.

About MUFG Innovation Partners

MUFG Innovation Partners, Co., Ltd. is a consolidated subsidiary of MUFG, and was established as a corporate venture capital fund responsible for both MUFG’s open innovation strategy to accelerate partnerships between startups and MUFG, and strategic investments in startups.

http://www.ip.mufg.jp/


About Krungsri Finnovate Krungsri Finnovate

Company Limited is a corporate venture capital (CVC) arm of Krungsri that aims to be a fully strategic investor supporting FinTech as well as other banking-related tech startups in Thailand and other countries in Southeast Asia to grow toward their set goals through three core activities: the Venture Builder and Accelerator Program, strategic partnership, and CVC investment, which are made possible through collaboration with Krungsri’s related business units.

https://www.mufg.jp/bay/?link_id=p_top_site_link_krungsri



株式会社三菱 UFJ フィナンシャル・グループ(代表執行役社長 三毛 兼承、以下 MUFG)の

連結子会社である株式会社三菱 UFJ 銀行(取締役頭取執行役員 三毛 兼承 、以下 当行)は本日、 東南アジアにおけるスーパーアプリ事業者大手 Grab Holdings Inc.(以下 Grab社)と戦略的提携契約 を締結し、資本・業務提携(以下 本提携)いたしました。本提携に伴い、当行は、株式会社三菱 UFJ イノベーション・パートナーズ(代表取締役 鈴木 伸武 )[1]および Krungsri Finnovate Co., Ltd. (取締役会長 Thakorn Piyapan)[2]と共に、Grab 社へ MUFG 全体で最大 706 百万米ドル(1 米ドル あたり 110.91 円で換算した場合、約783 億円)の出資を予定しています。今後、当行と、MUFG の 東南アジアにおけるパートナーバンク(以下 PB)である、タイ王国の Bank of Ayudhya Public Company Limited、インドネシア共和国の PT Bank Danamon Indonesia, Tbk.、フィリピン共和国 のSecurity Bank Corporation およびベトナム社会主義共和国の Vietnam Joint Stock Commercial Bank for Industry and Trade [3]は、Grab 社と共に東南アジアのお客さまへの新たな金融サービスの提供を 目指し、協働を進めてまいります。


1. 本提携の背景・目的

ICT 技術[4]の普及によるデジタライゼーションの進展により、人々の日常生活が大きく変容する中、 金融分野においても従来の伝統的な金融機関のビジネスモデルとは異なるモデルが誕生しており ます。特に、東南アジアを含めた新興国では変化のスピードが速く、生活に密着した利便性の高い サービスを提供する「プラットフォーマー」がデータと AI 技術を活用して新たな金融サービスを 提供する潮流が加速しております。

Grab 社は、東南アジアで配車、フードデリバリーやデジタル決済などの利便性の高い日常的な デジタルサービスを提供しており、数千万人のアクティブユーザーや数百万人のドライバーと の接点を有しています。同社はスマートフォンアプリ上で収集した、ドライバー、加盟店および ユーザーのあらゆるデータを、先進的な AI 技術を活用して分析することで、より利用者に寄り添っ た新たな金融サービスの提供を開始しております。

MUFG は PB への戦略的出資を通じて、東南アジアにおけるビジネスプラットフォームを構築、 同地域の事業を強化しており、PB とのシナジーの深化および同地域における事業の更なる拡大を 図るべく、本提携に至りました。



2.戦略的意義

 MUFG の強みである金融知見・ノウハウ(金融商品開発力、信用力およびリスク管理力など)に、 Grab 社が有する先進的テクノロジーやデータ活用ノウハウを掛け合わせることで、Grab 社のサー ビスを利用するユーザーやドライバーなどへ向けて新たな次世代金融サービスの提供を目指します。 更には、本提携を通じた東南アジアにおける取組・経験を活かし、本邦を含めた MUFG のビジネス モデルの進化、次世代デジタル金融サービスの実現に向けた取組の加速にもつなげてまいります。

 今回、MUFG は Grab 社との戦略的パートナーシップを構築することを通じ、Grab 社の“First Choice Bank”として強固な関係性を築いてまいります。

 MUFG は、持続可能な社会の実現を目指し、SDGs を踏まえる形で、優先的に取り組むべき 7 つ の環境・社会課題を特定し、それぞれの課題を金融ビジネスで解決する取り組みを進めております。 今後、MUFG が Grab 社と共同で展開する金融サービスは、金融包摂やイノベーションの促進、 新たな雇用の創出など、地域社会の持続的な発展に大きく貢献するものであり、パートナーである Grab 社と理念を共有し、グローバルベースでの社会課題の解決に取り組みます。MUFG は本提携を通して、グローバルに信頼・信用され、イノベーションを象徴する存在を目指 してまいります。


3. Grab 社の概要

  Grab 社は、東南アジアにおいて、消費者の日常生活に関わるサービスをスマートフォンアプリ上 で提供するスーパーアプリ事業者大手です。Grab アプリは 1 億 8 千 5 百万台以上のモバイル端末へ ダウンロードされており、ユーザーに対して 9 百万を超えるドライバー、加盟店などへのアクセス を提供しています。Grab 社は配車プラットフォームに加え、フードデリバリー、パッケージ宅配、 デジタル決済などの金融サービスを東南アジアの 339 都市にて提供しております。詳細な情報に ついてはGrab 社の HP をご覧ください(https://www.grab.com/)。



[1] 株式会社三菱 UFJ フィナンシャル・グループのコーポレートベンチャーキャピタルかつ連結子会社 [2] 株式会社三菱 UFJ 銀行の連結子会社であるタイ王国の大手商業銀行 Bank of Ayudhya Public Company Limited の コーポレートベンチャーキャピタルかつ子会社 [3] 株式会社三菱UFJ銀行の連結子会社であるタイ王国の大手商業銀行Bank of Ayudhya Public Company Limitedおよび インドネシア共和国の大手商業銀行 PT Bank Danamon Indonesia, Tbk.、持分法適用関連会社であるフィリピン 共和国の地場主要商業銀行 Security Bank Corporation およびベトナム社会主義共和国の大手国営銀行 Vietnam Joint Stock Commercial Bank for Industry and Trade [4] 情報通信技術(Information and Communications Technology)

以  上


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