03968
2015 4 29
2015 4 30
–1–
2015 4 29
5,000,000,000
2015 4 29
2015 4 29 12 2015
4 30
2015 4 30
–2–
5,000,000,000
5,000,000,000
5,000,000,000 2014 5 28
S S
144A 144A
1933
–3–
2015 4 30
–4–
2012 2013 2014 12 31
IFRS
2015 3 31
2014 2015 3 31
IFRS 2014 12 31
1987 2014 12 31
93.0%
2015 4 10 111 1943
2002 4 2006 9
2012 2013 2014 12 31 34081 40164
47318 18633 21483
24488 2012 2013 2014 12 31
1138 1330 1664 453
517 560 2012 2013 2014 12 31
2.87% 2.65% 2.33% 3.03% 2.82%
2.52%
– S-6 –
2015 3 31
2015 4 28 2015 3 31 IFRS
3 31
2014 2015
............................................................................... 51,626 59,719
............................................................................... (24,308) (26,330)
........................................................................... 27,318 33,389
................................................................. 11,269 16,654
................................................................. (793) (1,021)
............................................................. 10,476 15,633
........................................................................... 3,137 1,755
........................................................................... 40,931 50,777
............................................................................... (13,707) (15,327)
.................................................................... (83) (75)
.................................................. 27,141 35,375
........................................................................ (7,428) (12,744)
......................................................... 1
......................................................... 48 64
............................................................................... 19,761 22,696
......................................................... (4,794) (5,393)
................................................................................... 14,967 17,303
.................................................................... 14,945 17,220
........................................................................... 22 83
– S-7 –
12 31 3 31
2014 2015
...................................................................................... 14,793 16,319
................................................................................... 5,222 19,988
................................................................. 639,992 587,072
............................................... 55,986 53,633
............................................................................... 124,085 174,666
................................................................. 344,980 267,908
........................................................................... 2,448,754 2,549,815
............................................................................... 23,560 26,268
.............. 40,190 40,005
........................................................................ 9,315 9,403
................................................................. 278,526 298,190
.................................................................... 259,434 266,610
.................................................................... 408,752 525,370
........................................................................ 1,465 2,522
........................................................................ 19 20
............................................................................... 27,445 29,357
........................................................................ 1,684 1,646
............................................................................... 3,292 3,289
...................................................................................... 9,953 9,953
.................................................................... 10,291 10,423
............................................................................... 14,091 16,487
............................................................................... 4,731,829 4,908,944
.................................................................... 20,000 32,500
............................................... 697,448 694,449
............................................................................... 94,603 96,370
............................................................. 66,988 114,509
............................................................................... 3,304,438 3,332,170
............................................................................... 45,349 41,890
.............. 13,369 12,769
........................................................................ 10,246 10,511
............................................................................... 106,155 161,569
........................................................................ 6,068 6,514
............................................................................... 11,656 15,327
.................................................................... 771 760
............................................................................... 39,678 57,491
............................................................................... 4,416,769 4,576,829
– S-8 –
12 31 3 31
2014 2015
...................................................................................... 25,220 25,220
............................................................................... 67,523 67,523
........................................................................ 1,902 1,565
............................................................................... (163) (163)
............................................................................... 28,690 28,690
........................................................................ 53,979 54,043
........................................................................... 121,665 138,821
........................................................................ 16,897 16,897
......................................................... (1,309) (1,281)
...................................................... 314,404 331,315
........................................................................ 656 800
........................................................................ 315,060 332,115
............................................................. 4,731,829 4,908,944
3 31
2014 2015
....................................... 60,242 31,161
........................................................................... (3,593) (2,387)
....................................... (105,771) (171,771)
....................................... 12,466 57,206
...................................................... 394 344
...................................................... (36,262) (85,447)
........................................... 349,949 471,471
.................................................. 313,687 386,024
– S-9 –
3 31
2014 2015
........................................................................
(1)(2)
........................................ 21.79% 21.33%
(3)
....................................................................... 27.21% 24.10%
(1)
(2)
(3)
2014 2015
12 31 3 31
(1)
.................................................................... 1.11% 1.24%
(2)
)
.................................................................... 301,977 319,450
........................................................................... 301,982 319,456
........................................................................... 358,334 375,592
............................................................. 10.44% 10.59%
.................................................................... 10.44% 10.59%
........................................................................... 12.38% 12.45%
(3)
............................................................................... 4.96% 5.51%
(1)
(2) 2012 6 7
2015 3 31
(3) 2015 3 31 2015 2 12
2015 2011 6 1
2014 2014 2014
4.96%,4.66% 4.49%
– S-10 –
2015 3 31 49,089.44
3.74% 45,768.29 3.62%
33,321.70 0.84% 26,227.36
4.33%
2015 3 31 172.20
15.22% 508.42
333.89 22.22% 65.67%
2015 3 31 2.72% 2.90%
0.17 0.14 2014 4 0.20
0.18
49.23% 156,330
30.75% 5.19 17.550
44.05%
24.10% 3.11
2015
2015 3 31 325.87
46.70 1.24% 0.13
223.77% 9.65
2.78% 0.19
2015 4
A
A 60 A
434,782,608 A
– S-11 –
10% A
1% A
20
2009 2013
13.7% 2009 12 31
2013 12 31
15.8% 15.0%
2009 2014 7%
(i)
(ii) (iii)
– S-12 –
2012 12 31 2013 12 31 2014 12 31
77.7% 74.3% 67.3%
2015
3
2.50% 5.35%
130.0%
2005 7 21
2008 7
2012 4
– S-13 –
2013 7 1
2013 10 15
– S-14 –
2012 2013 2014 12 31
75.9% 76.5% 75.3%
2012 2013 2014 12 31
56 102 317
2014 12
31 2014 2(n)(i)
– S-15 –
– S-16 –
IBNR IBNR
IBNR
12 31
2012 2013 2014
.................................................... 88,374 98,913 112,000
...................................... 19,739 29,184 44,696
.................................................... 5,641 4,933 9,671
........................................................ (48,356) (54,144) (61,081)
................................................. (321) (331) (332)
.................................. 31 53 2
.................................. 33 35 156
................................................. (5,583) (10,218) (31,681)
........................................................ 59,558 68,425 73,431
............................................................ (14,286) (16,683) (17,382)
............................................................ 45,272 51,742 56,049
............................... 45,268 51,743 55,911
– S-17 –
2012 2013 2014 12 31
2012 2013 2014 12
31 77.7% 74.3% 67.3%
12 31
2012 2013 2014
........................................................ 150,101 173,495 222,834
........................................................ (61,727) (74,582) (110,834)
.................................................... 88,374 98,913 112,000
2014 1120 2013 989
13.2%,2013 2012 884 11.9%
12 31
2012 2013 2014
(%) (%) (%)
684,050 5,061 0.74 759,533 5,339 0.70 864,524 6,186 0.72
(1)
................... 1,770,103 115,926 6.55 2,092,074 127,630 6.10 2,400,646 145,727 6.07
................................. 424,382 15,944 3.76 542,652 21,621 3.98 873,418 37,749 4.32
.................... 415,349 6,392 1.54 472,535 7,296 1.54 563,026 8,318 1.48
................ 311,589 11,839 3.80 399,959 16,948 4.24 603,612 31,040 5.14
........................ 2,921,423 150,101 5.14 3,507,220 173,495 4.95 4,440,702 222,834 5.02
– S-18 –
12 31
2012 2013 2014
(%) (%) (%)
.........................
......................... 2,214,822 42,308 1.91 2,583,045 48,475 1.88 3,056,634 64,102 2.10
...................... 449,871 16,648 3.70 582,573 22,826 3.92 960,520 42,669 4.44
...................... 56,843 2,771 4.87 70,396 3,281 4.66 92,385 3,921 4.24
........... 4,000 142 3.55
... 2,721,536 61,727 2.27 3,236,014 74,582 2.30 4,113,539 110,834 2.69
...................... 88,374 98,913 112,000
............................. 2.87 2.65 2.33
.................. 3.03 2.82 2.52
(1) 2012 2013 2014
2.15 4.06 6.55
12 31
2013 2012 2014 2013
(1) (2) (3) (1) (2) (3)
............................................
................................. 19,669 (7,965) 11,704 18,725 (628) 18,097
............................................ 4,743 934 5,677 14,283 1,845 16,128
.............................. 904 904 1,306 (284) 1,590
............ 3,738 1,371 5,109 10,492 3,600 14,092
.............................. 29,054 (5,660) 23,394 44,806 5,101 49,339
............................................
..................................... 6,831 (664) 6,167 9,944 5,683 15,627
............ 5,188 990 6,178 16,814 3,029 19,843
................................. 629 (119) 510 936 (296) 640
.......................... 142 142
.............................. 12,648 207 12,855 27,836 8,416 36,252
.............................. 16,406 (5,867) 10,539 16,970 (3,883) 13,087
(1)
(2)
(3)
– S-19 –
2014 2228 2013 1735 28.4%
21% 2013 35,072 2014
44,407 2013 4.95% 2014 5.02%
2013 1735 2012 1501 15.6%
20.1% 2012 29,214 2013
35,072 2012 5.14% 2013
4.95%
2012 2013 2014 77.2%
73.6% 65.4% 2014 2013
2013 6.10% 2014
6.07% 2013 2012
2012 6.55% 2013 6.10%
2012 6 7
12 31
2012 2013 2014
(%) (%) (%)
......................... 1,072,195 68,719 6.41 1,262,701 72,765 5.76 1,448,378 82,168 5.67
......................... 608,940 41,303 6.78 743,453 50,120 6.74 860,497 58,428 6.79
......................... 88,968 5,904 6.64 85,920 4,745 5.52 91,771 5,131 5.59
................................ 1,770,103 115,926 6.55 2,092,074 127,630 6.10 2,400,646 145,727 6.07
2014 1457 2013 1276
14.2% 2013 20,921 2014
24,006 14.7% 2013
6.10% 2014 6.07%
2014
2012 2013
2014 59.3% 57.0% 56.4%
– S-20 –
2014 2013
2013 728 12.9% 2014 822
2013 12,627 14.7% 2014
14,484 2013 5.76%
2014 5.67% 2014
2014 584 2013 501
16.6% 2013 7435 2014
8605
2013 6.74% 2014 6.79%
2014 51 2013 47 6.3%
2013 859 6.9% 2014
918 2013 5.52% 2014 5.59%
2014
2013 2012
2012 687 6.0% 2013 728
2012 10,722 17.8% 2013
12,627 2012 6.41% 2014
5.76% 2012 6 7
2013 501 2012 413
21.3% 2012 6089 2013
7435 2012 6.78%
2013 6.74% 2012 6 7
2013 47 2012 59 6.3%
2012 890 2013 859
2012 6.64% 2013 5.52%
2013 5
2014 377 2013 216 75.0%
2014 4.32% 2013 3.98% 0.34
– S-21 –
2013 216 2012 159
35.6%,2013 3.98% 2012 3.76%
0.22
2014 83 2013 74 13.7%
2013 4725 19.2% 2014
5630 2013 1.54% 2014 1.48%
2014 2013
2013 2012 64 14.1% 73
2013 2012 4154
13.8% 4725
2014 106 2013
54 96.3%,2014 5.14% 2013
4.24% 0.90
2014
2013 54 2012 82
33.7% 2013 4.24% 2012 3.80%
0.44 2013
2014 205 2013 116
77% 2012 37 215%
2013 746 2014 48.6% 1108
2012 617 2013
20.8% 746
2012 12 31 68.5%, 2013 2014
65.0% 57.8%
– S-22 –
2014 641 2013 485
32.2% 15.5% 2013 25,830
2014 30,566 2014
2013 1.88% 2014 2.10%
2013 485 2012 423
14.6% 2012 22,148 2013
25,830 16.6% 2012 6 7
2012 1.91% 2013 1.88%
12 31
2012 2013 2014
(%) (%) (%)
........................... 684,050 5,061 0.74 759,533 5,339 0.70 864,524 6,186 0.72
........................... 727,811 23,900 3.28 901,611 28,510 3.16 1,169,137 41,381 3.54
.................................. 1,411,861 28,961 2.05 1,661,144 33,849 2.04 2,033,661 47,567 2.34
........................... 461,912 2,659 0.58 530,799 2,701 0.51 588,039 2,799 0.48
........................... 341,049 10,688 3.13 391,102 11,925 3.05 434,934 13,736 3.16
.................................. 802,961 13,347 1.66 921,901 14,626 1.59 1,022,973 16,535 1.62
.................................. 2,214,822 42,308 1.91 2,583,045 48,475 1.88 3,056,634 64,102 2.10
2012, 2013 2014
68.5%,69.3% 74.3% 2014 12 31
2014 2013
2014 476 2013 338
40.5% 22.4% 2013 16,611
2014 20,337
2013 2.04% 2014 2.34%
2014 165 2013 146
13.1% 11.0% 2013 9,219
2014 10,230
2013 1.59% 2014 1.62%
– S-23 –
2013 2012
2013 338 2012 290
16.9% 17.7% 2012 14,119
2013 16,611 2012 6 7
2012 2.05% 2013 2.04%
2013 146 2012 13.3 9.6%
14.8% 2012 8,030 2013
9,219 2012 6 7
2012
1.66% 2013 1.59%
2012 2013 2014
1 2014
2014 410 2013
202 103.4% 2013 2012 140 37.1%
2012 2014
2014 16 2013 27
38.3% 2014
2012 2013
2014 39 2013 33 19.5% 2013
2012 28 13.8%
2013 2.7%
2014 2.3% 2012 2.9% 2.7% 2012 2014
– S-24 –
2014
1,120 2013 989 13.2% 2013 2012
884 11.9% 2012 2014
2012 3.0% 2013 2.8% 2014
2.5%
2012 2013 2014 12 31
22.4% 25.7% 32.8%
12 31
2012 2013 2014
.......................................... 21,167 31,365 48,543
............................... (1,428) (2,181) (3,847)
...................................... 19,739 29,184 44,696
.......................................... 5,705 5,021 9,829
............................................. 25,444 34,205 54,525
2014 545 2013 342
59.4% 2012 254 34.4%
2012 2013 2014 12 31
17.4%, 21.9% 26.9%
12 31
2012 2013 2014
.......................................... 21,167 31,365 48,543
.......................................... 5,825 8,309 12,894
.................................. 2,211 2,756 4,116
...................................... 3,924 5,143 7,017
........................ 2,229 2,873 4,204
........................ 4,594 7,187 13,033
........................................................ 2,384 5,097 7,279
.......................................... 1,428) (2,181) (3,847)
...................................... 19,739 29,184 44,696
– S-25 –
2014 447 2013 292
53.2% 2013 2012 197 47.9%
2014 129 2013 83
55.2% 2013 2012 58 42.6% 2012 2014
2014 41 2013 28
49.4%
2013 28 2012
22 24.7%
2014 70 2013 51
36.4% 2013 2012 39 31.1%
2014 42 2013 29
46.3% 2013 2012 22 28.9%
2014 130 2013 72
81.3% 2013 2012 46 56.4%
2014 73 2013 51
42.8% 2013 2012 24 113.8%
2014 38 2013 22
76.4% 2013 2012 14 53.2%
– S-26 –
2012 2013 2014 12 31
5.0%,,3.7% 5.8%
12 31
2012 2013 2014
......................................
........................................................ 1,296 891 2,467
425 192 1,659
..... 180 (172) 139
......... 78 138 (145)
................................................. 24 19 21
.................................. 318 414 476
(1)
.............................................. 2,766 2,469 4,238
................................................. 414 426 475
............................................................... 140 556 341
............................................................... 5,641 4,933 9,671
(1)
2014 9.7 2013 49
96.1% (i) 2013
(ii) 2014
2013 49 2012 5.6
12.6% 2013
12 31
2012 2013 2014
........................................................ 23,938 26,990 29,179
............................................. 7,555 8,579 10,425
........................ 2,924 3,295 3,535
............................................................ 2,462 2,801 3,349
...................................... 11,477 12,479 14,593
............................................................... 48,356 54,144 61,081
– S-27 –
2014 611 2013 540 12.8%
2013 2012 484 12.0%
2012 2013
2014 12 31
35.9% 34.2% 30.4%
2012 2013 2014 12 31
49.5% 49.9% 47.8%
12 31
2012 2013 2014
(1)
................................................. 16,132 18,208 19,968
............................... 3,507 4,008 4,426
............................................................... 4,299 4,774 4,785
............................................................... 23,938 26,990 29,179
(1)
2014 292 2013 270 8.1%
2013 2012 239 12.8% 2012 2014
2012 2013 2014 12 31
15.6% 15.8% 17.1% 2014 104
2013 86 21.6%,2013 2012 76
13.5% 2012 2014
2014 35 2013 33
7.3% 2013 2012 29 13.0%
2014 33 2013 28 19.6% 2013
2012 25 13.8% 2012 2014
– S-28 –
2014 146
2013 125 16.9% 2013 2012 115
8.7%
2014 317 2013 102 210.8%
2013 2012 56 83.0%
12 31
2012 2013 2014
............................................................... 5,491 10,196 31,254
............................................................... 29 4 35
......................................
............................................................... (2) (32) 57
........................................................ 65 50 335
............................................................... 5,583 10,218 31,681
2014 12 31
313 206.5%
2013 12 31 102 85.7%
2014 743 2013 684
7.3% 2013 2012 596 14.9%
– S-29 –
2012 2013 2014 12 31
25.0%
12 31
2012 2013 2014
........................................................ 59,558 68,425 73,431
25% ........................... 14,890 17,106 18,358
............................... 689 847 783
...................................... (1,264) (1,253) (1,623)
...........................
...................................... (29) (17) (136)
.................................................... 14,286 16,683 17,382
12 31
2012 2013 2014
....................................................
................................................. 14,306 17,142 21,470
........................................................ 386 486 738
........................................................ 49 36 120
............................................................... 14,741 17,664 22,328
............................................. (455) (981) (4,946)
............................................................... 14,286 16,683 17,382
2014 174 2013 167
4.2% 2012 143 16.7%
2012,2013 2014 12 31 23.99%, 24.38%
23.67%
2014 8.3% 560
2013 14.3% 453 2012 453
– S-30 –
2014
2014
2013 12 31
2013 2014 12 31
12 31
2012 (1) 2013 (1)
........................... 68,163 59.92 79,496 59.76
........................... 47,487 41.75 56,693 42.62
........................... (2,110) (1.85) (2,946) (2.21)
.................................. 214 0.18 (213) (0.17)
.............................. 113,754 100.00 133,030 100.00
(1) 2012 2013
2013
2014
– S-31 –
12 31
2013 (1)
2014
..................................
........................... 67,356 50.63 77,421 46.54
........................... 56,777 42.68 68,584 41.22
........................... 10,452 7.86 18,853 11.33
(2)
............................... (1,555) (1.17) 1,509 0.91
......................................... 133,030 100 166,367 100
(1) 2013 12 31 2013
(2)
12 31
2012(1) 2013(1) 2012(1) 2013(1) 2012(1) 2013(1) 2012(1) 2013(1) 2012(1) 2013(1)
....................... 46,228 43,744 27,278 35,721 14,397 18,716 471 732 88,374 98,913
......... 10,417 19,057 7,703 4,071 (17,123) (21,998) (997) (1,130)
................ 7,086 12,085 11,631 15,717 790 1,108 232 274 19,739 29,184
................ 4,432 4,610 868 1,170 (174) (772) 101 (501) 5,227 4,507
........................... 7 14 407 412 414 426
.................... 68,163 79,496 47,487 56,693 (2,110) (2,946) 214 (213) 113,754 133,030
(1) 2012 2013
2013
2014
– S-32 –
12 31
2013 (1)
)
....................... 45,875 37,361 8,193 7,484 98,913
......... 9,363 2,955 (492) (11,826)
................ 8,694 15,655 2,408 2,427 29,184
.............................. 3,424 806 343 360 4,933
.................... 67,356 56,777 10,452 (1,555) 133,030
(1) 2013 12 31 2013
12 31
2014
....................... 42,793 46,077 7,144 15,986 112,000
......... 18,063 (453) 2,084 (19,694)
................ 12,942 21,967 5,672 4,115 44,696
.............................. 3,623 993 3,953 1,102 9,671
.................... 77,421 68,584 18,853 1,509 166,367
2013 2014 12 31
50.6% 46.5% 42.7%
41.2% 7.9% 11.3%
– S-33 –
12 31
2012 2013 2014
.....................................
............................................ 12,798 11.25 17,644 13.26 25,146 15.11
.......................... 23,464 20.63 25,650 19.28 30,436 18.29
................................. 18,687 16.43 20,735 15.59 25,521 15.34
.............. 20,463 17.99 23,074 17.34 28,664 17.23
..................................... 5,832 5.13 6,853 5.15 8,078 4.86
..................................... 12,312 10.82 14,270 10.73 16,917 10.17
..................................... 13,863 12.19 16,180 12.16 20,205 12.14
............................................ 948 0.83 1,462 1.10 2,517 1.51
..................................... 5,387 4.74 7,162 5.38 8,883 5.34
............................................ 113,754 100.00 133,030 100.00 166,367 100.00
2012
2013 2014 12 31
20.6% 19.3% 18.3%
66.3% 65.5% 66.0%
– S-34 –
12 31
2012 2013 2014
............. 249,713 119,153 272,173
............. (34,209) (231,669) (175,979)
............. 18,447 11,012 21,879
.............................. (247) (1,402) 3,449
............. 233,951 (101,504) 118,073
.................................. 219,151 452,855 349,949
(i) (ii)
(iii) 2012 2013 2014 12 31
3126 2428
5292
2110 2660 666 2012 2013 2014 12 31
1501 1735 2228
(i) (ii)
(iii) 2012 2013 2014 12 31
2640.8 2947.1
3310.9 486.1
349.9 592.7 2012 2013 2014 12 31
617 746 1108
2012 2013
2014 12 31 9134
5523 5791
173 218 397
2012 2013 2014 12 31
9587 7980 7879
– S-35 –
65 82
81
2014 219 2013
110 99.1% 2014
2013 110 2012
184 40.2% 2013
2012 2013 2014 12 31
92.1% 89.8% 89.1%
– S-36 –
2014 12 31
2014 12 31
1 3 1
3 1 5 5
(1)
................ 149,938 504,847 654,785
..... 8,481 327,078 75,539 69,849 43,562 542 525,051
(2)
.................... 1,532 118,394 388,499 970,897 518,480 427,737 23,215 2,448,754
(3)
........................... 45,842 66,444 214,129 430,664 227,195 11,943 996,217
.................. 3,815 11,041 7,540 15,872 1,476 9,761 49,505
..... 7,542 10,711 38,749 183,495 35,863 2,166 278,526
............ 792 3,163 15,147 78,302 162,019 11 259,434
......... 33,693 41,529 152,693 152,995 27,837 5 408,752
....................... 11,916 5,735 5,868 9,142 901 324 73,136 107,022
........................... 171,867 497,049 536,350 1,264,017 993,607 655,256 613,683 4,731,829
............ 4,569 419,093 234,423 193,695 26,765 494 879,039
(4)
.................... 1,618,482 196,234 447,982 681,507 357,289 2,944 3,304,438
.......... 977 2,380 1,622 670 7,332 359 10,275 23,615
....................... 5,859 31,757 9,145 28,610 30,784 106,155
....................... 40,836 25,641 12,450 13,100 8,005 1,193 2,297 103,522
........................... 1,664,864 649,207 728,234 898,117 428,001 35,774 12,572 4,416,769
................... (1,492,997) (152,158) (191,884) 365,900 565,606 619,482 601,111 315,060
(1)
2014 12 31 17.5% 5.0%
(2)
(3)
(4)
– S-37 –
2014 12 31 18.5% 3151 2013 12 31
2660 2012 12 31 2004 32.7%
2012 1 1 ....................................... 164,869 13 164,882
2012 12 31 ................. 45,268 4 45,272
................................................. (747) (747)
........................... 56 56
2011 ..................................... (9,062) (9,062)
2012 12 31 ................................... 200,328 73 200,401
2013 12 31 ................. 51,743 (1) 51,742
................................................. (6,671) (6,671)
........................... 81 81
........................................................ 33,658 33,658
.................................................... 338 338
2012 ..................................... (13,593) (13,593)
2013 12 31 ................................... 265,465 491 265,956
2014 12 31 ................. 55,911 138 56,049
................................................. 8,664 1 8,665
...................................... 84 84
.......................................... (38) (38)
2013 ..................................... (15,636) (20) (15,656)
2014 12 31 ................................... 314,404 656 315,060
2013 1 1 2012
6
2014 12 31
– S-38 –
12 31
2012 (2) 2013 (2) 2014 (2)
(1)
................................................. 189,555 254,393 301,977
.......................................... 189,555 254,393 301,982
............................................................ 259,377 305,704 358,334
......... 2,274,044 2,744,991 2,748,687
........................... 2,084,076 2,513,669 2,471,180
........................... 13,216 15,718 22,610
........................... 176,752 215,604 254,897
(3)
.......... 2,893,732
...................................... 8.34% 9.27% 10.44%
............................................. 8.34% 9.27% 10.44%
.................................................... 11.41% 11.14% 12.38%
(1) 2012 6 7
(2) 2012 12 31 2013 12 31
2014 12 31
2014 12 31
11.74% 9.60%
0.60 0.33
(3)
95% 90% 80%
2014 12 31
12.38% 10.44% 1.24 1.17
2013 12 31
11.14% 9.27% 0.27 0.93
– S-39 –
12 31
2012 2013 2014
(1)
......................................... 118,288 173,593 249,322
......................................
(1)
104,420 173,124 279,857
........................................................ 301,399 354,816 399,489
(2)
..................................
1 ............................ 2,949 2,923 4,062
1 ................................... 30,872 36,636 23,694
............................................. 160,995 213,532 266,094
............................................................... 6,394 8,811 2,610
............................................................... 725,317 963,435 1,225,128
(1)
(2)
12 31
2012 2013 2014
.................................................
.................................................... 657 899 1,965
.................................. 121 543 572
.............................................................. 778 1,442 2,537
– S-40 –
12 31
2012 2013 2014
........................................................ 1,597 2,069 2,293
................................................. 7,120 6,806 7,991
........................................................ 2,907 1,152 2,674
.............................................................. 11,624 10,027 12,958
2012 2013 2014 12 31 6
9 6 2014 12 31
2012 2013 2014 12 31 114
192 235
2014 12 31
2014 12
31 55
2014 12 31 36
12 31
2012 2013 2014
.................................. 44,124 21,047 32,396
.......................................... 19,974 23,980 27,636
............................................. 2,968 24,832
................................................. 13,013 20,941 21,291
.............................................................. 77,111 68,936 106,155
– S-41 –
2014 12 31
2014 12 31
53(b)(ii)
2014 12 31 (i) (ii)
2014 12 31
..... 654,785 632,518 22,267
.......................... 525,051 394,447 86,569 41,218 2,817
................................. 2,448,754 1,294,461 962,393 150,223 41,677
........ 996,217 147,862 244,913 378,652 212,029 12,761
..................................... 107,022 107,022
........................................ 4,731,829 2,469,288 1,293,875 570,093 253,706 144,867
..... 879,039 663,147 193,298 20,526 2,068
..................................... 3,304,438 2,278,910 681,858 335,500 1,444 6,726
............ 23,615 6,035 927 6,213 165 10,275
..................................... 106,155 20,793 38,380 15,817 31,165
..................................... 103,522 23 61 917 94 102,427
........................................ 4,416,769 2,968,908 914,524 378,973 32,868 121,496
............................. 315,060 (499,620) 379,351 191,120 220,838 23,371
– S-42 –
2014 12 31
12 31
2012 2013 2014
25 (25) 25 (25) 25 (25)
....................... (389) 389 (790) 790 (995) 995
2014 12 31 25
2014 12 31 10
2014 12 31 53(b)(i)
2014 12 31
2014 12 31
................
......................................... 621,938 18,874 13,327 646 654,785
.. 458,014 52,091 4,886 10,060 525,051
................ 2,139,783 214,718 77,640 16,613 2,448,754
.................... 940,676 34,184 17,652 3,705 996,217
.................................. 58,496 41,027 7,010 489 107,022
..................................... 4,218,907 360,894 120,515 31,513 4,731,829
– S-43 –
2014 12 31
.. 799,722 74,400 3,064 1,853 879,039
.................................. 2,892,528 210,658 174,441 26,811 3,304,438
................ 5,352 3,823 14,356 84 23,615
....................... 83,601 15,962 6,592 106,155
.................................. 90,056 2,605 10,240 621 103,522
.................................. 3,871,259 307,448 208,693 29,369 4,416,769
....................... 347,648 53,446 (88,178) 2,144 315,060
........................
........................... 829,782 (39,226) 110,738 7,947 909,241
........................... 580,485 450,254 184,254 45,259 1,260,252
........................... (679,652) (460,064) (84,592) (46,091) (1,270,399)
................ 151 7 (674) (516)
(99,167) (9,659) 99,669 (1,506) (10,663)
2014
12 31
12 31
2012 2013 2014
(100) 100 (100) 100 (100) 100
............... 23 (23) 51 (51) 228 (228)
2014 12 31
100 2014 12 31
2
– S-44 –
2014 12 31
2014 81 2013 62
32.8% 2013 62 2012 65
4.8%
– S-45 –
2012 2013 2014 12 31
2012 2013 2014 12 31 34,081
40,164 47,318
12 31
2012 2013 2014
(%) (%) (%)
...................... 1,904,463 55.9 2,197,094 54.7 2,513,919 53.1
......................... (41,138) (1.2) (48,764) (1.2) (65,165) (1.4)
...................... 1,863,325 54.7 2,148,330 53.5 2,448,754 51.7
..................................... 520,446 15.3 763,401 19.0 996,217 21.1
.................................. 471,415 13.8 523,872 13.0 670,007 14.2
..... 280,870 8.2 38,850 1.0 55,986 1.2
..... 210,385 6.2 466,952 11.6 469,065 9.9
............................... 13,009 0.4 17,699 0.4 23,560 0.5
................. 455 0.01 778 0.02 1,484 0.03
............................... 20,392 0.6 24,199 0.6 27,445 0.6
......................... 1,638 0.05 1,701 0.04 1,684 0.04
............................... 2,851 0.08 2,996 0.07 3,292 0.07
......................... 4,993 0.1 8,064 0.2 10,291 0.2
..................................... 9,598 0.3 9,953 0.2 9,953 0.2
............................... 8,722 0.3 9,604 0.2 14,091 0.3
..................................... 3,408,099 100.0 4,016,399 100.0 4,731,829 100.0
2014 12 31 47,318 2013 12 31
40,164 17.8%
2012 12 31
34,081 17.9% 2013 12 31 40,164
– S-46 –
2012 2013 2014 12 31
2014 12 31 25,139 2013 12
31 21,971 14.4% 2012 12
31 19,045 15.4% 2013 12 31 21,971
2012 12 31 2014 12 31
2012 2013 2014 12 31
54.7% 53.5% 51.8% 2012 12 31 2014 12 31
12 31
2012 2013 2014
(%) (%) (%)
.............................. 1,152,837 60.5 1,325,810 60.3 1,467,585 58.4
.............................. 64,842 3.4 71,035 3.2 75,007 3.0
.............................. 686,784 36.1 800,249 36.5 971,327 38.6
.................................... 1,904,463 100.0 2,197,094 100.0 2,513,919 100.0
2012 2013 2014
12 31 60.5% 60.3% 58.4%
2014 12 31 14,676 2012 12 31
13,258 10.7% 2013 12 31
13,258 2013 12 31 11,528 15.0%
(i) (ii)
2012 2013 2014 12 31
36.1% 36.4% 38.6% 2014 12 31 9713
– S-47 –
2013 12 31 8002 21.4% 2013 12 31
8002 2012 12 31 6868
16.5% (i)
(ii)
2012 2013 2014 12 31 648
710 750 3.4%, 3.2%, 3.0%
2012 2013 2014 12 31
60.5% 60.3% 58.4%
12 31
2012 2013 2014
(%) (%) (%)
.............................. 707,806 37.2 769,146 35.0 762,925 30.4
.............................. 277,737 14.6 290,008 13.2 350,416 14.0
..................................... 100,804 5.3 170,887 7.8 231,298 9.2
(1)
......................................... 66,490 3.5 95,769 4.4 122,946 4.9
............................................ 1,152,837 60.5 1,325,810 60.3 1,467,585 58.4
(1)
2012 12 31 11,528 15.0% 2013
12 31 13,258 2014 12 31 14,676
2013 12 31 13,258 10.7%
2014 12 31 7629 2013 12
31 7691 0.8% 2012 12 31
7078 8.7% 2013 12 31 7691
2012 2013 12 31 37.2%
35.0% 2014 12 31 30.4% (i)
(ii)
– S-48 –
2014 12 31
3504 2013 12 31 2900 20.8%
2012 12 31 2777 4.4% 2013 12 31
2900
2013 12 31 1709 35.4% 2014
12 31 2313
2012 12 31 1008 69.5% 2013 12 31
1709
2012 2013 2014 12 31 3.4%
3.2% 3.0%
12 31
2012 2013 2014
.............................. 62,554 3.3 64,978 2.9 66,353 2.6
.............................. 2,288 0.1 6,057 0.3 8,654 0.4
............................................ 64,842 3.4 71,035 3.2 75,007 3.0
2013 12 31 710 5.6% 2014 12 31
750 2012 12 31 648 9.6%
2013 12 31 650 2.1% 2014 3 31
664 2012 12 31 626
(i) (ii)
2012 2013 12 31 96.5% 91.5% 2014 12 31 88.5%
2013 12 31 8.5%
2014 12 31 11.5%
2012 2013 2014 12 31
4.02% 5.43% 5.66%
– S-49 –
2012 2013 2014 12 31
36.1% 36.4% 38.6%
12 31
2012 2013 2014
(1)
........................... 182,012 (1) 9.6 (1) 286,285 13.0 338,813 13.5
.............................. 335,746 17.6 268,606 12.2 329,178 13.1
................................. 106,519 5.6 155,235 7.1 219,888 8.8
(1)(2)
............................... 62,507 (1) 3.3 (1) 90,123 4.1 83,448 3.3
............................................ 686,784 36.1 800,249 36.4 971,327 38.7
(1) 2014 12 31
2013 12 31
2012 12 31
2012 12 31
2013 12 31
(2) 2014
2013 12 31
2014 12 31 3388 2013 12 31
2863 18.3%
2014 12 31 3292 2013 12
31 2686 22.6%
2012 12 31 3357 20.0% 2013 12 31
2686
2014 12 31 2199 2013 12 31
1552 41.7% 2012 12 31 1065
45.7% 2013 12 31 1552
– S-50 –
12 31
2012 (2)
2013 2014
(%) (%) (%)
..................................... 1,152,837 60.5 1,325,810 62.4 1,467,585 58.5
......................................... 364,904 19.2 388,340 17.7 360,270 14.3
................................. 223,672 11.7 295,174 13.4 301,395 12.0
............... 143,051 7.5 127,416 5.8 179,983 7.2
................................. 108,453 5.7 131,061 6.0 148,473 6.0
......................................... 60,725 3.2 92,916 4.2 102,314 4.1
................................. 81,300 4.3 60,097 2.7 101,064 4.0
......................................... 54,645 2.9 64,744 3.0 64,960 2.6
.......................... 32,067 1.7 38,235 1.7 52,152 2.1
............... 29,208 1.5 34,383 1.6 30,421 1.2
IT ........... 11,921 0.6 16,376 0.8 22,313 0.9
(1)
......................................... 42,891 2.2 77,068 3.5 104,240 4.2
..................................... 64,842 3.4 71,035 3.2 75,007 3.0
..................................... 686,784 36.1 800,249 36.4 971,327 38.6
.............................. 1,904,463 100.0 2,197,094 100.0 2,513,919 100.0
(1)
(2) 2013 1 GB/T4754-2011
2012 12 31
2014 12 31
2012 2013 2014 12 31
78.1% 78.1% 74.4%
2012 2013 2014 12 31
2012 2013 2014 12 31
31.7% 29.3% 24.5% 2012 2013 2014
2012 2013 2014 12 31
2012 2013 2014 12 31
19.4% 22.3% 20.5% 2013 2014
– S-51 –
2012 2013
2012 2013 2014 12 31
12.3% 9.6% 10.1%
2012 2013 2014 12 31
9.4% 9.9% 12.3%
2012 2013 2014 12 31
5.3% 7.0% 7.0%
12 31
2012 2013 2014
(%) (%) (%)
............................................ 176,736 9.3 197,872 9.0 290,911 11.6
................................. 401,335 21.1 456,889 20.8 479,535 19.1
................................. 282,158 14.8 313,312 14.3 344,987 13.7
........ 302,650 15.9 343,894 15.7 385,848 15.4
................................. 104,387 5.5 119,404 5.4 128,884 5.1
..................................... 209,435 11.0 242,455 11.0 263,511 10.5
..................................... 249,786 13.1 284,398 12.9 322,046 12.8
............................................ 34,055 1.8 51,033 2.3 69,523 2.8
......................................... 143,921 7.5 187,837 8.6 228,674 9.0
.............................. 1,904,463 100.0 2,197,094 100.0 2,513,919 100.0
– S-52 –
2014 12 31
2012 2013 2014 12 31
75.9% 76.5% 75.3%
12 31
2012 2013 2014
(%) (%) (%)
..................................... 393,596 20.7 446,121 20.3 544,936 21.7
..................................... 457,914 24.0 466,568 21.2 450,713 17.9
..................................... 807,496 42.4 918,500 41.8 1,059,962 42.2
..................................... 180,615 9.5 294,870 13.4 383,301 15.3
..................................... 64,842 3.4 71,035 3.2 75,007 3.0
.............................. 1,904,463 100.00 2,197,094 100.00 2,513,919 100.00
2012 12 31 20.7% 2013
12 31 20.3% 2014 12 31 21.7%
2012 12 31 24.0% 2013 12 31
21.2% 2014 12 31 17.9%
2012 2013 2014 12 31
51.9% 55.2% 57.4%
10%
50%
– S-53 –
2012 2013 2014 12 31
9.1% 7.0% 7.0% 2014 12 31
420 1.67%
11.73%
2014 12 31
12 31
2014 (%) (%)
A 6,500 1.81 0.26
B 5,635 1.57 0.22
C 5,412 1.51 0.22
D 4,157 1.16 0.17
E 4,408 1.23 0.17
F 4,000 1.12 0.16
G IT 3,570 1.00 0.14
H 2,853 0.80 0.11
I 2,789 0.78 0.11
J 2,700 0.75 0.11
42,024 11.73 1.67
2014 12 31
2014 12 31
(%)
3 ..................................................................... 27,480 1.09
3 1 .................................................................. 19,542 0.78
1 3 ...................................................................... 4,751 0.19
3 ......................................................................... 931 0.04
........................................................................ 52,704 2.10
........................................................................ 2,513,919 100.00
2014 12 31 51.29%
32.84% 15.87%
90 1.11
– S-54 –
(i)
(ii) (iii) (iv)
(v)
– S-55 –
90
30
– S-56 –
30 90
91 180
90
90
– S-57 –
2005
9
2005 9
19(d)
12 31
2012 2013 2014
(%) (%) (%)
.................................... 1,873,280 98.4 2,154,159 98.1 2,439,368 97.0
.................................... 19,489 1.0 24,603 1.1 46,634 1.9
.................................... 5,281 0.3 9,037 0.4 17,343 0.7
.................................... 3,064 0.2 5,450 0.3 7,580 0.3
.................................... 3,349 0.2 3,845 0.2 2,994 0.1
........................ 1,904,463 100.0 2,197,094 100.0 2,513,919 100.00
........................ 11,694 0.6 18,332 0.8 27,917 1.1
– S-58 –
12 31
2012 2013 2014
(%) (%) (%)
(1)
............................................ 1,132,221 59.5 1,297,348 59.0 1,414,187 56.3
............................................ 12,212 0.6 15,182 0.7 32,932 1.3
............................................ 3,924 0.2 6,837 0.3 13,070 0.5
............................................ 2,366 0.1 4,185 0.2 6,100 0.2
............................................ 2,114 0.1 2,258 0.1 1,296 0.05
............................................ 1,152,837 60.5 1,325,810 60.3 1,467,585 58.4
(2)
.......................... 8,404 0.7 13,280 1.0 20,466 1.4
............................................ 64,828 3.4 71,035 3.2 75,004 3
............................................ 14 0.0007 3 0.0001
............................................
............................................
............................................
............................................ 64,842 3.4 71,035 3.2 75,007 3
(2)
..........................
............................................ 676,231 35.5 785,776 35.8 950,177 37.8
............................................ 7,263 0.4 9,421 0.4 13,699 0.5
............................................ 1,357 0.07 2,200 0.1 4,273 0.2
............................................ 698 0.04 1,265 0.06 1,480 0.06
............................................ 1,235 0.07 1,587 0.07 1,698 0.07
............................................ 686,784 36.1 800,249 36.4 971,327 38.7
(2)
.......................... 3,290 0.5 5,052 0.6 7,451 0.8
.............................. 1,904,463 100.0 2,197,094 100.0 2,513,919 100.0
(1)
2012 2013 2014 12 31
689.1 1,346.7 2,664.7
(2)
2012
2013 2014 12 31 0.6% 0.8%
1.1% 2012 12 31 0.6% 2013 12 31 0.8%
2014 12 31 1.1%
– S-59 –
12 31
2012 2013 2014
(1) (1) (1)
(%) (%) (%)
..................................... 8,404 0.73 13,280 1.00 20,466 1.39
.............................. 6,149 0.87 10,176 1.32 12,574 1.65
.............................. 680 0.24 693 0.24 1,324 0.38
..................................... 650 0.64 749 0.44 2,106 0.91
(2)
......................................... 925 1.39 1,662 1.74 4,462 3.63
(3)
..................................
..................................... 3,290 0.48 5,052 0.63 7,451 0.77
(4)
........................... 822 (4) 0.45 (4) 1,624 0.57 3,612 1.07
.............................. 733 0.22 919 0.34 871 0.26
................................. 1,136 1.07 1,530 0.99 2,069 0.94
(4)(5)
....................................... 599(4) 0.96(4) 979 1.09 899 1.08
.............................. 11,694 0.61 18,332 0.83 27,917 1.11
(1)
(2)
(3)
(4) 2014 12 31
2013 12 31 2013 12
31 2012 12 31
2012 12 31
(5) 2014
2013 12 31
2012 12 31 0.73% 2013 12 31 1.00%
2014 12 31 1.39%
2012 12 31 0.48% 2013 12 31 0.63%
2014 12 31 0.77%
– S-60 –
12 31
2012 (3) 2013 2014
(1) (1) (1)
(%) (%) (%)
..................................... 8,404 0.73 13,280 1.00 20,466 1.39
......................................... 3,623 0.99 6,904 1.78 9,628 2.67
................................. 2,401 1.07 4,260 1.44 6,547 2.17
............... 484 0.34 338 0.27 741 0.50
................................. 711 0.66 521 0.40 460 0.26
......................................... 170 0.28 316 0.34 396 0.39
.......................... 408 0.50 148 0.25
......................................... 3 1,629 2.51
.......................... 112 0.35 74 0.19 110 0.21
............... 1 115 0.33 150 0.49
IT ........... 93 0.78 83 0.51 55 0.25
(2) ....................................... 401 0.93 518 0.67 750 0.72
.....................................
..................................... 3,290 0.48 5,052 0.63 7,451 0.77
.............................. 11,694 0.61 18,332 0.83 27,917 1.11
(1)
(2)
(3) 2013 1 GT/T4754-2011
2012 12 31
2012 2013 2014 12 31
2012 2013 2014 12 31
43.1% 52.0% 47.0% 2012
2013 2014 12 31 0.99% 1.78% 2.67%
2012 2013 2014 12 31
28.6% 32.1% 32.0%
1.07% 1.44% 2.17%
– S-61 –
2014 12 31 16.3
8.0% 2014 12 31 2.51%
2014
2012 2013 2014 12 31
28.1% 27.6% 26.7%
12 31
2012 (3) 2013 2014
(1) (1) (1)
(%) (%) (%)
............................................ 2,569 1.45 2,627 1.33 2,658 0.91
................................. 4,210 1.05 8,262 1.81 9,895 2.06
................................. 1,016 0.36 1,555 0.50 2,675 0.78
........ 1,555 0.51 2,321 0.67 3,675 0.95
................................. 373 0.36 591 0.49 1,823 1.41
..................................... 1,024 0.49 1,741 0.72 4,331 1.64
..................................... 619 0.25 954 0.34 2,409 0.75
............................................ 22 0.06 18 0.04
......................................... 306 0.21 263 0.14 451 0.20
.............................. 11,694 0.61 18,332 0.83 27,917 1.11
(1)
2012 2013 2014 12 31
– S-62 –
12 31
2012 2013 2014
(1) (1) (1)
(%) (%) (%)
..................................... 1,301 0.33 1,986 0.45 3,000 0.55
..................................... 4,299 0.94 7,190 1.54 11,077 2.46
..................................... 5,506 0.68 8,430 0.92 12,651 1.19
..................................... 588 0.33 726 0.25 1,189 0.31
.....................................
.............................. 11,694 0.61 18,332 0.83 27,917 1.11
(1)
2012 12 31 2014 12 31
2014 12 31
2014 12 31
A ............... 1,033 3.70% 0.29%
B ............... 394 1.41% 0.11%
C ............... 263 0.94% 0.07%
D ............... 215 0.77% 0.06%
E ............... 199 0.71% 0.06%
F ............... 199 0.71% 0.06%
G ............... 191 0.68% 0.05%
H ............... 172 0.62% 0.05%
I ................ 157 0.56% 0.04%
J ................ 149 0.53% 0.04%
..................... 2,972 10.65% 0.83%
....... 27,917 100.0% 7.79%
– S-63 –
12 31
2012 2013 2014
..................................... 1,883,063 98.9 2,164,099 98.5 2,461,215 97.9
1 90 (1) ............................... 10,987 0.6 17,017 0.8 27,480 1.1
91 180 (1) ........................... 1,865 0.1 3,843 0.2 10,295 0.4
181 (1)
............................ 8,548 0.4 12,135 0.5 14,929 0.6
............................................ 21,400 1.1 32,995 1.5 52,704 2.1
91
....................... 10,413 0.5 15,978 0.7 25,224 1.0
.............................. 1,904,463 100.0 2,197,094 100.0 2,513,919 100.0
(1)
IAS 39
– S-64 –
12 31
2012 2013 2014
(1) (1) (1)
(2)
................................................. 34,202 83.1 1.81% 38,534 79.0 1.77% 50,855 78.0 2.05%
..................................................... 1,622 3.9 30.71% 2,895 5.9 32.03% 5,877 9.0 33.89%
..................................................... 1,966 4.8 64.16% 3,491 7.2 64.06% 5,439 8.4 71.75%
..................................................... 3,348 8.1 99.97% 3,844 7.9 99.97% 2,994 4.6 100.00%
............................................. 41,138 100.0 2.16% 48,764 100.0 2.22% 65,165 100.0 2.59%
(1)
(2)
12 31
2012 2013 2014
(1) (1) (1)
(2)
(3)
............................................ 26,972 65.6 2.36% 28,344 58.1 2.16% 38,689 59.4 2.67%
............................................... 1,254 3 31.96% 2,135 4.4 31.23% 4,087 6.3 31.27%
............................................... 1,602 3.9 67.71% 2,597 5.3 62.05% 4,185 6.4 68.61%
............................................... 2,113 5.1 99.95% 2,258 4.6 100.00% 1,296 2 100.00%
............................................... 31,941 77.6 2.77% 35,334 72.5 2.67% 48,257 74.1 3.29%
(2)
(3)
............................................ 47 0.1 0.07% 92 0.2 0.13% 106 0.2 0.14%
...............................................
...............................................
...............................................
............................................... 47 0.1 0.07% 92 0.2 0.13% 106 0.2 0.14%
(3)
............................................ 7,183 17.5 1.05% 10,098 20.7 1.27% 12,060 18.5 1.25%
............................................... 368 0.9 27.12% 760 1.6 34.55% 1,790 2.7 41.89%
............................................... 364 0.9 52.15% 894 1.8 70.67% 1,254 1.9 84.73%
............................................... 1,235 3 100.00% 1,586 3.3 99.94% 1,698 2.6 100.00%
............................................... 9,150 22.2 1.33% 13,338 27.4 1.67% 16,802 25.7 1.73%
........................................ 41,138 100.0 2.16% 48,764 100.0 2.22% 65,165 100.0 2.59%
(1)
(2)
2012 2013 2014 12 31
3.918 5.781 11.441
(3)
– S-65 –
12 31
2012 12 31 ................................................................................ 41,138
(1)
.................................................................................................. 6,276
(2)
.................................................................................................. (785)
(3)
................................................................................ (215)
(4)
......................................................................................................... 13
............................................................................................................ (891)
............................................................................ 65
..................................................................................................... (29)
2013 12 31 ................................................................................ 48,764
(1)
.................................................................................................. 10,927
(2)
.................................................................................................. (731)
(3)
................................................................................ (406)
(4)
......................................................................................................... (8)
............................................................................................................ (2,134)
............................................................................ 65
..................................................................................................... (87)
2014 12 31 ................................................................................ 65,165
(1)
.................................................................................................. 32,895
(2)
.................................................................................................. (1,641)
(3)
................................................................................ (655)
............................................................................................................ (14,917)
............................................................................ 651
..................................................................................................... 68
(1)
(2)
(3)
(4)
2014 12 31
10% 2% 1%
2014 12 31
7% 4% 1%
– S-66 –
12 31
2012 2013 2014
(1) (1) (1)
............................................. 8,939 21.7 347.95% 7,540 15.5 287.04% 12,108 18.6 455.55%
................................... 8,812 21.4 209.32% 12,229 25.1 148.01% 15,291 23.5 154.53%
................................... 5,414 13.2 532.91% 6,326 13.0 406.83% 7,700 11.8 287.83%
........................... 5,909 14.4 379.99% 7,063 14.5 304.32% 8,580 13.2 233.48%
................................... 1,922 4.7 515.41% 2,337 4.8 395.41% 3,084 4.7 169.17%
...................................... 4,170 10.1 407.24% 5,594 11.5 321.30% 8,393 12.9 193.79%
...................................... 4,363 10.6 704.90% 5,270 10.8 552.41% 7,052 10.8 292.75%
............................................. 610 1.5 2767.73% 862 1.8 4790.83% 958 1.5
.......................................... 999 2.4 326.46% 1,543 3.2 586.54% 1,998 3.1 443.11%
............................................. 41,138 100.0 351.79% 48,764 100.0 266.00% 65,165 100.0 233.42%
(1)
2012
2013 2014 12 31
21.05% 19.01% 15.27%
39 (i)
(ii) (iii) (iv)
(v) (iv)
12 31
2012 2013 2014
.......................... 19,139 3.7 14,611 1.9 33,022 3.3
........ 6,350 1.2 8,612 1.1 7,168 0.7
.............................. 1,975 0.4 5,925 0.8 9,315 1.0
....................... 285,344 54.8 289,911 38.0 278,526 28.0
....................... 175,417 33.7 208,927 27.4 259,434 26.0
.............................. 32,221 6.2 235,415 30.8 408,752 41.0
............................................ 520,446 100.0 763,401 100.0 996,217 100.0
2014 12 31 9,962 2013
12 31 7,634 30.5%
2012 12 31 5,204 46.7% 2013 12 31 7,634
– S-67 –
12 31
2012 2013 2014
............................................ 452,007 86.8 483,312 63.3 538,426 54.0
......................................... 33,703 6.5 238,909 31.3 415,736 41.8
............................................ 11,703 2.2 13,741 1.8 16,020 1.6
......................................... 21,944 4.2 22,229 2.9 17,470 1.8
................................. 1,975 0.4 5,925 0.8 9,315 0.9
..................................... (766) -0.1 (715) -0.1 (750) -0.1
............................................ 520,566 100.0 763,401 100.0 996,217 100.0
2014 12 31 9,962 2013
12 31 7,634 30.5% 2013 12 31
7,634 2012 12 31 5,204 46.7%
2012 12 31 2014 12 31
2014 12 31
2014 12 31
1 3 1
1 3 1 5 5
(1)
................................ 45,842 66,444 214,129 430,664 227,195 11,943 996,217
................. 3,815 11,041 7,540 15,872 1,476 9,761 49,505
.............. 7,542 10,711 38,749 183,495 35,863 2,166 278,526
.............. 792 3,163 15,147 78,302 162,019 11 259,434
............................
................................... 33,693 41,529 152,693 152,995 27,837 5 408,752
– S-68 –
(1)
2014 12 31
2014 12 31
(1)
A ........................................... 8,634 1.40% 2.74% 8,634
B ........................................... 7,619 1.24% 2.42% 7,616
C ........................................... 7,508 1.22% 2.38% 7,467
D ........................................... 6,954 1.13% 2.21% 6,951
E ............................................ 6,660 1.08% 2.11% 6,660
F ............................................ 6,325 1.03% 2.01% 6,325
G ........................................... 6,242 1.01% 1.98% 6,118
H ........................................... 5,600 0.91% 1.78% 5,640
I ............................................. 4,750 0.77% 1.51% 4,883
G ........................................... 4,690 0.76% 1.49% 4,674
.............................................. 64,982 10.55% 20.63% 64,968
(1)
12 31
2012 2013 2014
(%) (%) (%)
..................................... 2,532,444 79.0 2,775,276 74.0 3,304,438 74.82
............ 258,692 8.1 514,182 13.7 697,448 15.79
.......................... 20,000 0.45
..... 109,815 3.4 125,132 3.3 94,603 2.14
............... 6,854 0.2 21,891 0.6 13,369 0.30
2,745 0.1 8,235 0.2 10,246 0.23
........ 157,953 4.9 153,164 4.1 66,988 1.52
..................................... 4,056 0.1 5,119 0.1 6,068 0.14
..................................... 6,679 0.2 8,722 0.2 11,656 0.26
..................................... 24,065 0.8 30,988 0.8 45,349 1.03
..................................... 77,111 2.4 68,936 1.8 106,155 2.40
.......................... 813 0.03 770 0.02 771 0.02
..................................... 26,471 0.8 38,028 1.0 39,678 0.90
......................................... 3,207,698 100.0 3,750,443 100.0 4,416,769 100.0
– S-69 –
2014 12 31 44,168 2013 12 31
37,504 17.8%
2013 12 31 37,504 2012 12 31
32,077 16.9%
12 31
2012 2013 2014
(%) (%) (%)
............................................ 797,577 31.5 864,224 31.1 973,646 29.5
............................................ 809,364 32.0 942,728 34.0 1,237,765 37.5
............................................ 1,606,941 63.5 1,806,952 65.1 2,211,411 66.9
............................................ 524,970 20.7 547,363 19.7 644,836 19.5
............................................ 400,533 15.8 420,961 15.2 448,191 13.6
............................................ 925,503 36.5 968,324 34.9 1,093,027 33.1
.............................. 2,532,444 100.0 2,775,276 100.0 3,304,438 100.0
2014 12 31 33,044 2013 12 31
27,753 19.1% 2012 12 31
25,324 2013 12 31 27,753 (i)
(ii)
2012 2013 2014 12 31 63.5%,
65.1% 66.9% 2012 12 31 2014 12 31
2012 2013 2014 12 31 36.5% 34.9%
33.1% 2012 12 31 2014 12 31
(i)
(ii)
– S-70 –
12 31
2012 2013 2014
............................................ 228,874 9.0 214,421 7.7 259,715 7.9
................................. 508,650 20.1 549,361 19.8 655,465 19.8
................................. 455,401 18.0 488,384 17.6 605,151 18.3
........ 477,448 18.9 523,960 18.9 625,599 18.9
................................. 133,576 5.3 147,330 5.3 171,271 5.2
..................................... 264,516 10.5 304,604 11.0 343,582 10.4
..................................... 305,863 12.1 353,563 12.8 409,258 12.4
............................................ 52,147 2.1 73,258 2.6 88,705 2.7
......................................... 105,969 4.2 120,395 4.3 145,692 4.4
............................................ 2,532,444 100.0 2,775,276 100.0 3,304,438 100.0
2014 12 31
1 3 1
1 3 1 5 5
(1)
................... 1,618,482 196,234 447,982 681,507 357,289 2,944 3,304,438
(1)
2014 12 31
12 31
2012 2013 2014
......................................... 2,272,864 89.8 2,490,848 89.8 2,892,528 87.5
............................................ 140,615 5.5 167,009 6.0 210,658 6.4
............................................ 80,714 3.2 90,414 3.2 174,441 5.3
............................................ 38,251 1.5 27,005 1.0 26,811 0.8
............................................ 2,532,444 100.0 2,775,276 100.0 3,304,438 100.0
– S-71 –