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Union Bank Is Well-Positioned to Help Businesses Succeed

You need a safe and strong bank with a consistent and disciplined banking philosophy to help your business weather these tough financial times.

Along with our superior asset quality and strong capital position, Union Bank is recognized by experts as having solid investment-grade credit ratings and strong capital ratios compared to our peers.
Capital Strength Tangible Common Equity Ratio Tier 1 Common capital ratio
UnionBanCal 10.54% 12.37%
Peer Banks' Average1 8.18% 10.73%
Select Competitors1:  
       Wells Fargo
N/A 10.82%
       Bank of America 7.20% 11.19%
       JP Morgan Chase 6.36% 10.70%
1Internally developed calculation based on SNL data or SNL methodology and company reports. Other companies may apply different methodologies for calculating their tangible common equity ratios. Peer banks include 16 regional banks (including UnionBanCal) and the 4 large national banks (BAC, JPM, CITI, WFC). Peer regional banks are considered comparable to Union Bank in terms of asset size, structure and characteristics. Based on SNL Financial information as of January 21, 2014.

Regulatory capital ratios* DECEMBER 31, 2013
Requirement for
"Well-Capitalized"
Tier 1 risk-based Capital 12.44%   6.0%
Total risk-based Capital 14.64% 10.0%
Tangible Common Equity  10.54% N/A
Tier 1 Common Capital 12.37% N/A
*As of December 31, 2013.

Investment-Grade credit ratings** Union Bank, N.A. Long-Term Issuer Union Bank, N.A. Short-Term Issuer
Moody's A2 P-1
Standard & Poor's A+ A-1
Fitch A F1
**Credit ratings are as of December 31, 2013.

Award-winning Service

Union Bank has a reputation for excellence in treasury management services. Because our team of relationship managers has expertise in specific industries, we develop strong relationships with our customers and help them in all aspects of their business.


Global Reach

As a proud member of the Mitsubishi UFJ Financial Group (MUFG), one of the world's largest financial institutions, Union Bank can offer you many advantages, including a wide range of products and services and the ability to work with you anywhere in the world.
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Commercial representatives are available from 8:00 a.m. to 6:30 p.m. (Pacific Time), Monday through Friday.

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