3988 H
4601
2018
2019 4 2018
1912 2
1912 1949
1949
1994 2004 8
2006 6 7
A+H 2008
2017 2022
2018
8
57
2020
2035
2050
1000 3
The Banker
500 4
FORTUNE 2018 500 46
Forbes 2000 9
Euromoney
Asia Money
21 2018
WPP BrandZ 100 14
500 11
2018 13
2
5
6
9
11
14
16
17
17
33
61
72
75
76
79
87
101
119
128
132
135
143
386
390
391
1
A 1.00
601988
H 1.00
3988
(Bp, Bps) 1 0.01
100
360002 360010
2
100
4601
571
3
4
2019 3 29 2018
14 14 14
2018
2018 0.184
2019 5 17
5
營業收入 營業利潤 稅後利潤
單位：百萬元人民幣 單位：百萬元人民幣 單位：百萬元人民幣
456,328
473,912
485,656
483,761
503,806
221,741
227,533
184,986
192,435
230,159
229,237
221,515
177,198
179,417
184,051
2014 2015 2016 2017 2018 2014 2015 2016 2017 2018 2014 2015 2016 2017 2018
基本每股收益 平均總資產回報率 淨資產收益率
單位：人民幣元 單位：% 單位：%
12.24
12.06
17.28
14.53
12.58
0.56
0.59
0.98
0.94
0.61
0.56
0.54
1.22
1.12
1.05
2014 2015 2016 2017 2018 2014 2015 2016 2017 2018 2014 2015 2016 2017 2018
淨息差 成本收入比 （中國內地監管口徑） 非利息收入占比
單位：% 單位：% 單位：%
28.09
30.65
30.05
28.60
28.57
28.30
28.08
28.34
29.63
36.98
1.84
1.90
2.25
2.12
1.83
2014 2015 2016 2017 2018 2014 2015 2016 2017 2018 2014 2015 2016 2017 2018
信貸成本 不良貸款率 不良貸款撥備覆蓋率
單位：% 單位：% 單位：%
159.18
181.97
187.60
153.30
162.82
0.81
0.95
1.18
1.43
1.46
1.45
1.42
0.58
0.63
0.91
2014 2015 2016 2017 2018 2014 2015 2016 2017 2018 2014 2015 2016 2017 2018
6
1
2018 2017 2016 2015 2014
359,706 338,389 306,048 328,650 321,102
2 144,100 145,372 179,608 145,262 135,226
503,806 483,761 485,656 473,912 456,328
(176,979) (173,859) (175,069) (185,401) (177,788)
(99,294) (88,161) (89,072) (59,274) (48,381)
227,533 221,741 221,515 229,237 230,159
229,643 222,903 222,412 231,571 231,478
192,435 184,986 184,051 179,417 177,198
180,086 172,407 164,578 170,845 169,595
N.A. 51,812 49,457 51,518 55,934
21,267,275 19,467,424 18,148,889 16,815,597 15,251,382
11,819,272 10,896,558 9,973,362 9,135,860 8,483,275
3 (303,781) (252,254) (237,716) (200,665) (188,531)
4 5,054,551 4,554,722 3,972,884 3,595,095 2,710,375
19,541,878 17,890,745 16,661,797 15,457,992 14,067,954
14,883,596 13,657,924 12,939,748 11,729,171 10,885,223
1,612,980 1,496,016 1,411,682 1,304,946 1,140,859
294,388 294,388 294,388 294,388 288,731
0.59 0.56 0.54 0.56 0.61
5 0.184 0.176 0.168 0.175 0.19
6 5.14 4.74 4.46 4.09 3.70
% 7 0.94 0.98 1.05 1.12 1.22
% 8 12.06 12.24 12.58 14.53 17.28
% 9 1.90 1.84 1.83 2.12 2.25
% 10 28.60 30.05 36.98 30.65 29.63
% 11 28.09 28.34 28.08 28.30 28.57
12
1,488,010 1,377,408 1,297,421 1,197,868 1,068,706
109,524 105,002 103,523 103,159 72,923
347,473 264,652 225,173 212,937 250,714
% 11.41 11.15 11.37 11.10 10.61
% 12.27 12.02 12.28 12.07 11.35
% 14.97 14.19 14.28 14.06 13.87
% 13 1.42 1.45 1.46 1.43 1.18
% 14 1.42 1.45 1.46 1.43 1.18
% 15 181.97 159.18 162.82 153.30 187.60
% 16 0.95 0.81 0.91 0.63 0.58
% 17 3.07 2.77 2.87 2.62 2.68
1 6.8632 6.5342 6.9370 6.4936 6.1190
1 7.8473 7.8023 7.3068 7.0952 7.4556
1 0.8762 0.8359 0.8945 0.8378 0.7889
7
1 2018 1 1 9
IFRS 9
2
3
4 2018 IFRS 9
5
6 –
7 100%
2
8 100%
9
2010 [2010]2
9 100%
10 100%
11 [2016]35
12 [2012]1
13 100%
14 100%
15 100%
16 100%
2
17 100%
8
1
100818
(86) 10-6659 6688
(86) 10-6601 6871
BANK OF CHINA LIMITED http://www.boc.cn
Bank of China ir@bankofchina.com
(86) -95566
1
A
1 http://www.sse.com.cn
(86) 10-6659 2638
(86) 10-6659 4568
ir@bankofchina.com http://www.hkexnews.hk
1
(86) 10-6659 2638
(86) 10-6659 4568
ir@bankofchina.com
1
9
1
360002
1
16
2
360010
1 BOC 2014 PREF
22 4601
911000001000013428
B0003H111000001
A
601988
H
3988
10
2018
2018 1,924
4.03% 1,801 4.45%
1.42% 0.03 22.79
181.97% 2018 0.184
2019 5
2018
9,227.14
12.26%
439
1,525
1,300 4
9 2
1,258
11
23% 624
1,550 4 1,052
1.15
1.4
20
95.6
300 527
800
12
5,000
1,070
1000
2018
Nout WELLINK
70
2019 3 29
13
2018
2018 21.27 19.54
1.61 9.25% 9.23% 7.82%
1,924 4.03%
11.41% 12.27% 14.97%
2018
5,038.06 4.14%
28.09% 0.25
181.97% 22.79
20
30
IT 16.6%
2
126%
PTA 57
e
1.3
14
11
1,525
101 33
2019
2018
2019
2019 3 29
15
2018
2019
2019 3 29
16
2018
(GDP) 6.6% (CPI) 2.1% 9.0%
5.9%
(M2) 8.1% 16.2 2.6
200.8 9.8% 43.1
7.5% 4.8%
268.2
6.3% 246.6 5.9%
1.83 2.03 1.83%
17
2018 1,924.35 74.49 4.03%
1,800.86 76.79 4.45%
(ROA) 0.94% (ROE) 12.06%
2018 2017
359,706 338,389 21,317 6.30%
144,100 145,372 (1,272) (0.87%)
87,208 88,691 (1,483) (1.67%)
503,806 483,761 20,045 4.14%
(176,979) (173,859) (3,120) 1.79%
(99,294) (88,161) (11,133) 12.63%
227,533 221,741 5,792 2.61%
229,643 222,903 6,740 3.02%
(37,208) (37,917) 709 (1.87%)
192,435 184,986 7,449 4.03%
180,086 172,407 7,679 4.45%
2018 2018 2018 2018
10–12 7–9 4–6 1–3
127,947 124,377 125,396 126,086
26,812 44,186 60,087 49,001
91,303 211,986 (23,613) 382,682
18
2018 3,597.06 213.17 6.30%
1
2
2018 2017
11,107,013 469,098 4.22% 10,601,544 414,695 3.91% 19,764 34,639 54,403
4,497,016 144,326 3.21% 4,290,094 132,167 3.08% 6,373 5,786 12,159
3,282,457 74,476 2.27% 3,468,502 75,754 2.18% (4,056) 2,778 (1,278)
18,886,486 687,900 3.64% 18,360,140 622,616 3.39% 22,081 43,203 65,284
14,072,677 229,998 1.63% 13,488,149 204,794 1.52% 8,885 16,319 25,204
3,042,646 76,478 2.51% 2,934,718 63,634 2.17% 2,342 10,502 12,844
580,755 21,718 3.74% 432,587 15,799 3.65% 5,408 511 5,919
17,696,078 328,194 1.85% 16,855,454 284,227 1.69% 16,635 27,332 43,967
359,706 338,389 5,446 15,871 21,317
1.90% 1.84% 6 Bps
1 2018
2017
2
3
4 IFRS 9
1
2
19
2018 2017
4,754,363 4.47% 4,500,691 4.40% 253,672 7 Bps
3,448,247 4.67% 3,250,322 4.25% 197,925 42 Bps
165,797 4.47% 181,448 4.09% (15,651) 38 Bps
8,368,407 4.55% 7,932,461 4.33% 435,946 22 Bps
5,828,652 4.77% 5,446,487 4.53% 382,165 24 Bps
1 2,539,755 4.06% 2,485,974 3.90% 53,781 16 Bps
3,097,595 0.65% 2,914,497 0.62% 183,098 3 Bps
2,254,006 2.77% 2,206,175 2.73% 47,831 4 Bps
1,948,774 0.66% 1,798,631 0.62% 150,143 4 Bps
2,575,439 2.68% 2,629,645 2.71% (54,206) (3) Bps
528,899 4.19% 374,257 3.77% 154,642 42 Bps
10,404,713 1.79% 9,923,205 1.76% 481,508 3 Bps
49,355 3.08% 51,280 2.47% (1,925) 61 Bps
45,065 0.62% 43,947 0.22% 1,118 40 Bps
29,668 1.89% 22,550 1.33% 7,118 56 Bps
27,047 0.05% 27,714 0.05% (667) –
19,125 0.63% 20,445 0.59% (1,320) 4 Bps
2,002 2.30% 2,308 2.17% (306) 13 Bps
122,907 0.83% 116,964 0.49% 5,943 34 Bps
1
2
20
2018 1.90% 6
2.11% 7
2018
0.99
1.00
2018
3
2018 1,441.00 12.72 0.87%
28.60%
872.08 14.83 1.67%
17.31%
3
IFRS 9
21
2018 2017
20,212 23,310 (3,098) (13.29%)
29,943 25,798 4,145 16.07%
13,670 12,323 1,347 10.93%
13,181 15,090 (1,909) (12.65%)
3,534 5,615 (2,081) (37.06%)
7,740 8,083 (343) (4.24%)
3,597 3,527 70 1.98%
8,120 7,054 1,066 15.11%
99,997 100,800 (803) (0.80%)
(12,789) (12,109) (680) 5.62%
87,208 88,691 (1,483) (1.67%)
14,353 17,074 (2,721) (15.94%)
26,364 22,442 3,922 17.48%
12,082 10,773 1,309 12.15%
6,760 7,513 (753) (10.02%)
3,331 5,415 (2,084) (38.49%)
7,088 7,096 (8) (0.11%)
3,474 3,421 53 1.55%
4,384 4,194 190 4.53%
77,836 77,928 (92) (0.12%)
(7,642) (7,200) (442) 6.14%
70,194 70,728 (534) (0.76%)
568.92 2.11 0.37%
(1) IFRS 9 (2)2017
(3)
3 4 5
22
2022
2018
1,769.79 31.20 1.79%
28.09% 0.25 6 7
2018 2017
85,391 82,061 3,330 4.06%
42,768 41,235 1,533 3.72%
13,451 13,667 (216) (1.58%)
4,744 4,676 68 1.45%
17,008 22,607 (5,599) (24.77%)
13,617 9,613 4,004 41.65%
176,979 173,859 3,120 1.79%
2018
1,079.05 238.80 28.42%
9
17 3
2018 372.08 7.09 1.87%
16.20% 0.81
10
23
2018 212,672.75 17,998.51
9.25% 195,418.78 16,511.33 9.23%
2018 12 31 2017 12 31
11,515,764 54.15% 10,644,304 54.68%
5,054,551 23.77% 4,554,722 23.40%
2,331,053 10.96% 2,227,614 11.44%
1,405,534 6.61% 1,060,456 5.45%
960,373 4.51% 980,328 5.03%
21,267,275 100.00% 19,467,424 100.00%
14,883,596 76.16% 13,657,924 76.34%
3,250,997 16.64% 2,961,151 16.55%
814,888 4.17% 529,756 2.96%
592,397 3.03% 741,914 4.15%
19,541,878 100.00% 17,890,745 100.00%
118,192.72
9,227.14 8.47% 90,955.62
7,705.49 9.26% 3,968.57
33.05 0.84% 17
24
3,037.81 515.27 100.02
18.65
2018 12 31 2017 12 31
7,347,598 62.17% 6,972,701 63.99%
4,440,085 37.57% 3,923,857 36.01%
31,589 0.26%
11,819,272 100.00% 10,896,558 100.00%
50,545.51 4,998.29 10.97%
39,786.36 4,479.63 12.69%
1,567.66 0.45 0.03%
2018 12 31 2017 12 31
370,491 7.33% 193,611 4.25%
1,879,759 37.19%
2,804,301 55.48%
1,857,222 40.78%
2,089,864 45.88%
414,025 9.09%
5,054,551 100.00% 4,554,722 100.00%
25
2018 12 31 2017 12 31
2,654,129 52.51% 2,403,536 52.77%
84,364 1.67% 64,016 1.40%
484,992 9.59% 519,245 11.40%
496,675 9.83% 322,827 7.09%
191,690 3.79% 188,811 4.15%
153,627 3.04% 158,806 3.49%
4,065,477 80.43% 3,657,241 80.30%
366,602 7.25% 377,196 8.28%
108,739 2.15% 92,211 2.02%
174,719 3.46% 191,321 4.20%
153,056 3.03% 115,164 2.53%
803,116 15.89% 775,892 17.03%
185,958 3.68% 121,589 2.67%
5,054,551 100.00% 4,554,722 100.00%
單位：百萬元人民幣（百分比除外） 單位：百萬元人民幣（百分比除外）
人民幣 78.71% 3,978,636 人民幣 77.52% 3,530,673
美元 14.64% 740,206 美元 14.17% 645,339
其他 2.83% 142,856 其他 4.24% 193,342
港幣 3.82% 192,853 港幣 4.07% 185,368
2018年12月31日 2017年12月31日
26
2016 15,363 2.65% 2019-10-20 –
2018 14,012 4.98% 2025-01-12 –
2017 12,662 3.88% 2020-04-19 –
2017 11,100 4.39% 2027-09-08 –
2017 9,729 3.54% 2020-01-06 –
2018 9,320 4.73% 2025-04-02 –
2017 9,309 3.98% 2020-04-19 –
2018 8,962 4.99% 2023-01-24 –
2014 8,566 5.44% 2019-04-08 –
2017 7,845 4.02% 2022-04-17 –
148,835.96 12,256.72 8.97%
112,564.54 10,201.25
9.97% 5,284.91 48.47
0.93%
27
2018 12 31 2017 12 31
4,178,962 28.08% 3,955,206 28.96%
3,507,071 23.56% 3,213,375 23.53%
246,380 1.66% 215,193 1.58%
7,932,413 53.30% 7,383,774 54.07%
2,935,661 19.72% 2,613,409 19.13%
3,148,265 21.15% 3,060,245 22.41%
338,544 2.28% 157,574 1.15%
6,422,470 43.15% 5,831,228 42.69%
287,808 1.93% 377,460 2.76%
240,905 1.62% 65,462 0.48%
14,883,596 100.00% 13,657,924 100.00%
3,588,353 30.19% 3,368,630 31.05%
2,520,127 21.20% 2,361,406 21.76%
229,768 1.93% 201,916 1.86%
6,338,248 53.32% 5,931,952 54.67%
2,312,488 19.45% 1,992,092 18.36%
2,685,026 22.59% 2,714,253 25.01%
331,064 2.79% 155,076 1.43%
5,328,578 44.83% 4,861,421 44.80%
219,969 1.85% 58,045 0.53%
11,886,795 100.00% 10,851,418 100.00%
28
單位：百萬元人民幣（百分比除外） 單位：百萬元人民幣（百分比除外）
人民幣 75.63% 11,256,454 人民幣 74.95% 10,236,329
美元 11.53% 1,716,821 美元 11.82% 1,614,422
港幣 8.08% 1,202,357 港幣 7.90% 1,079,702
其他 4.76% 707,964 其他 5.33% 727,471
2018年12月31日 2017年12月31日
17,253.97 1,487.18 9.43%
(1)2018 1 1 IFRS 9
354.17 (2)2018 1,924.35
1,800.86 (3) 2017
518.12 (4) 67.91
16
41
16,886.00 7,298.48
29
2018 6,623.58
2,562.22
1,824.93 3,225.97
2,293.37 1,637.53
2018 2017 2018 2017 2018 2017 2018 2017 2018 2017
303,945 284,930 38,831 37,745 16,930 15,714 – – 359,706 338,389
89,099 85,774 51,143 57,401 6,647 6,856 (2,789) (4,659) 144,100 145,372
70,194 70,728 14,083 15,073 4,367 4,336 (1,436) (1,446) 87,208 88,691
(131,958) (126,351) (39,956) (43,172) (6,967) (6,265) 1,902 1,929 (176,979) (173,859)
(98,872) (85,286) (1,114) (1,722) 692 (1,153) – – (99,294) (88,161)
162,224 159,067 51,004 51,414 17,302 15,152 (887) (2,730) 229,643 222,903
16,932,306 15,503,536 4,197,031 3,534,044 2,009,680 1,911,087 (1,871,742) (1,481,243) 21,267,275 19,467,424
15,625,811 14,285,717 3,844,519 3,235,718 1,943,129 1,850,392 (1,871,581) (1,481,082) 19,541,878 17,890,745
4
169,323.06 14,287.70 9.22%
73.18% 2018 1,622.24 31.57
1.98% 70.37%
41,970.31 6,629.87
18.76% 18.14% 2018 510.04
4.10 0.80% 22.12%
20,096.80 985.93 5.16%
8.68% 2018 173.02 21.50
14.19% 7.51%
4
30
2018 2017
12 31 12 31
273,447 168,399 105,048
5,493
(164)
47,061 8,029 39,032
49,983 11,690 38,293
227,643 739
1,862,232
46
17,527
1,769,758
38,694
48,770
124,126 94,912 29,214
6
(99,254) (111,095) 11,841
(876) (1,246) 370 (6)
(24,141) (372,767) 348,626 –
(20,517) (1,907) (18,610) (41)
(14,327) (17,219) 2,892 (35)
31
6
32
2018 2017
462,355 91.77% 436,251 90.18%
211,365 41.96% 204,509 42.27%
173,531 34.44% 159,197 32.91%
77,459 15.37% 72,545 15.00%
25,524 5.07% 31,622 6.54%
15,927 3.16% 15,888 3.28%
503,806 100.00% 483,761 100.00%
33
2018 12 31 2017 12 31 2016 12 31
5,884,433 5,495,494 5,213,790
453,815 436,458 378,368
1,594,165 1,451,822 1,401,055
7,932,413 7,383,774 6,993,213
5,026,322 4,551,168 4,349,300
302,256 310,253 342,045
1,093,892 969,807 869,441
6,422,470 5,831,228 5,560,786
5,057,654 4,761,874 4,496,888
280,878 338,379 336,294
2,009,066 1,872,448 1,735,787
7,347,598 6,972,701 6,568,969
3,933,840 3,481,682 2,983,945
1,177 1,250 1,381
505,068 440,925 419,067
4,440,085 3,923,857 3,404,393
34
2018 3,872.43 217.73
5.96%
2018 2017
183,739 47.45% 177,868 48.67%
153,589 39.66% 141,296 38.66%
47,855 12.36% 42,379 11.60%
2,060 0.53% 3,927 1.07%
387,243 100.00% 365,470 100.00%
2018
1,837.39 58.71
3.30%
58,844.33 3,889.39
7.08% 661.23 6.73
1.01%
35
50,576.54 2,957.80
6.21% 409.25 108.61
20.97%
2018
4.63
2018 5.95
3.99
PTA
(CRI) (ORI)
36
SWIFT
(GPI)
SWIFT
178 1,600
117
1,462
(CIPS) 251
(QFII/RQFII)
H
37
2025
5
162
3,042 12.26% 38
5.27%
2018
9
2014 50 87
3
501.19
49.59 10.98% 2,211.58
289.18 15.04% 1.5
5
2018
[2018]29
38
2018 56
23
2018
2018
600 2015 2018 1,300
2018
5
52 29
39
2018
1,535.89 122.93 8.70%
25
39
50,263.22 4,751.54
10.44% 440.40
E
39,338.40 4,521.58
12.99%
40
7,993 1,082 44
1.4
2018 2018
2018
2018
O2O
360
41
II III
E
30
e
2018 2017
12 31 12 31
52,574.46 48,299.71 8.85%
11,065.73 9,704.06 14.03%
10,187.42 9,281.36 9.76%
2018 2017
59,410.75 42,201.80 40.78%
16,195.55 14,950.36 8.33%
2,791.32 2,589.90 7.78%
42
2017
16
1,400
2018 11
30
1,178 2,462
1,258 601
43
6 39
63
52 29
CFETS-BOC
3,791.79
44
30
G3
G3
8,071
17,181
379.49
1.6388
(CDR)
CDR
QDII
QDII
2018 10
45
2022
500
2018 6 23 32
2018 2018
46
27
2018 22 125
142
2018 75.24
603.32 100.40 389.39
38.37% 392.57 43.16% 2.42%
237.80% 6.74
2018
4,334.44 3,652.82 2018 89.26
25.78%
2018 548 56
3
47
500
18
Qoo10 Miles
19 Visa
3D
11 2
28.44%
32 18
14 4
48
25 12
(CIPS)
389 11%
18 46
13
GPI
2018
528.64
29,529.03 2,849.07 325.84
14
8 IPO
2018 1
2018 12 4
2019 1 21
49
BoC Pay
BoC Bill
2018
50
35.39
640.58 184.83 16.07
D
BOCI
51
25.00 472.00 120.45 7.06
2018 9 2018
7 8
1.00
40.60 30.20 9.73
7,692
4,011
1,876
20
Top
52
37.49 85.63 40.02
23.44 0.21
35.38
1,324.15 83.17 8.54
2018 20
53
A1
45.35
126.06 39.69 60.50
2.05
70 30
9 A
A- 2018
2018 2018
54
16.67 148.05 12.91 72.04
0.35
96% 105%
7
60%
20%
2018
2018
340.52 1,162.99 612.64
38.92
2018 10 20
55
100.00 211.72 101.07 2.34
2018 438.61 17
11.58 182.56
41.99 6.20
75%
55
2018
92 17
34 7 3.0
56
2018 9 41 186
100%
36
2018
10,726 467
548
2018 12 31 2017 12 31
ATM 41,723 42,507 (1.84%)
26,044 16,235 60.42%
17,627 31,239 (43.57%)
2018
93.99% 223.53 16.18%
20.03 82.68%
57
2018 12 31 2017 12 31
389.05 341.69 13.86%
16,623.61 14,797.22 12.34%
14,531.18 11,532.57 26.00%
11,376.78 11,336.91 0.35%
2018 2017
1,900,071.23 1,658,818.31 14.54%
300,761.52 225,919.12 33.13%
200,311.65 109,651.39 82.68%
200
SIM
E E
18
E
E
58
IT
6 6 50
59
2018 11
60
(RWA)
董 監 董事會 監事會
事 事
會 會 風險政策委員會 審計委員會
美國風險與管理委員會 履 財
高 職 務
級 高級管理層 盡 與
（執行委員會） 反洗錢工作委員會 責 內 委
管
總審計師 監 部 員
理 風險管理與內部控制 督 控 會
資產處置委員會
層 委員會 委 制
信用風險管理與 員 監
決策委員會 審 會 督
計
集
條
團 風險管理 資本管理
線
職
能 風 信 授 內 財 信 財
管 險 用 信 控 合 辦 務 息 務 審
理 管 審 管 與 規 公 管 科 管 計
部 理 批 理 法 部 室 理 技 理 部
門 部 部 部 律 部 部 部
管 窗口式 垂直式 董事會式
理
模
式
業務部門 境內外分行 附屬機構
61
+
6
2018 1,669.41 84.72
1.42% 0.03 3,037.81
515.27 181.97% 22.79
1,627.78 85.70
1.76% 0.04 3,423.63
253.38 2.90% 0.01
6
62
2018 12 31 2017 12 31
11,278,379 95.68% 10,421,064 95.64%
342,363 2.90% 317,025 2.91%
49,788 0.42% 59,265 0.54%
49,341 0.42% 45,404 0.42%
67,812 0.58% 53,800 0.49%
11,787,683 100.00% 10,896,558 100.00%
166,941 1.42% 158,469 1.45%
8,818,838 95.10% 8,140,120 94.83%
291,933 3.15% 288,857 3.37%
48,281 0.52% 57,659 0.67%
47,536 0.51% 43,370 0.51%
66,961 0.72% 53,179 0.62%
9,273,549 100.00% 8,583,185 100.00%
162,778 1.76% 154,208 1.80%
%
2018 2017 2016
2.20 1.97 3.05
23.70 20.37 19.39
51.89 57.97 36.67
33.57 31.98 44.31
9
12
111,838.26 94.90% 4,333.75
3.68% 1,669.52 1.42%
2018 1,669.52 90.70
1.42% 0.03 1,627.78
85.70 1.76% 0.04
41.74 5.00
0.17% 0.01
63
2018 2017 2016
157,882 145,311 130,237
83,009 71,573 72,721
(73,939) (59,002) (57,647)
166,952 157,882 145,311
154,208 141,458 127,635
80,680 69,854 70,700
(72,110) (57,104) (56,877)
162,778 154,208 141,458
2018 12 31 2017 12 31 2016 12 31
9,074,501 151,313 8,325,013 145,605 7,607,730 130,301
2,713,182 15,639 2,571,545 12,277 2,365,632 15,010
11,787,683 166,952 10,896,558 157,882 9,973,362 145,311
8,991,494 151,292 8,243,556 145,540 7,480,833 130,277
282,055 11,486 339,629 8,668 337,675 11,181
9,273,549 162,778 8,583,185 154,208 7,818,508 141,458
4 3
2018 1,079.05 238.80 0.95%
0.14 1,068.50
254.81 1.20% 0.21
64
%
2018 2017 2016
12 31 12 31 12 31
≤10 3.6 3.8 2.3
≤50 15.3 17.4 14.2
1
2
17 3
2018
A 68,632 0.58%
B 43,176 0.37%
C 35,011 0.30%
D 25,312 0.21%
E 23,868 0.20%
F 21,519 0.18%
G 20,523 0.17%
H 20,185 0.17%
I 18,350 0.16%
J 16,521 0.14%
65
4
7
25
2018 12 31 2017 12 31
25 (3,520) (670) 328 (274) (3,503) (563) 360 (487)
25 3,520 670 (328) 274 3,503 563 (360) 487
7
66
2018
%
2018 2017 2016
12 31 12 31 12 31
≥25 58.7 47.1 45.6
≥25 54.8 56.9 52.7
5
2018 12 31 2017 12 31
2,071,988 2,213,972
(7,669,897) (6,879,942)
1 (651,459) (1,429,232)
1 3 (591,520) (312,210)
3 1 (54,305) 163,908
1 5 3,238,374 3,050,952
5 5,382,216 4,769,231
1,725,397 1,576,679
= –
67
68
2018
2018
229 1.8
(RACA) (KRI) (LDC)
69
800
2018
70
2018
2018 2017 2018 2017
12 31 12 31 12 31 12 31
1,465,769 1,356,088 1,251,056 1,180,299
1,575,293 1,461,090 1,350,770 1,280,013
1,922,350 1,725,330 1,683,893 1,526,537
11.41% 11.15% 11.08% 10.85%
12.27% 12.02% 11.96% 11.77%
14.97% 14.19% 14.92% 14.04%
11.63% 11.69% 10.96% 11.39%
15.01% 14.56% 14.53% 14.36%
7
2018
2018 12 31 2017 12 31
1,575,293 1,461,090
22,700,133 20,927,313
6.94% 6.98%
5
71
2018 11,741 11,193
548 10,726
38 353 10,334
6,956,012 29.99% 2,089 17.80% 61,524 19.85%
698,381 3.01% 952 8.11% 25,040 8.07%
4,401,655 18.98% 3,595 30.62% 92,847 29.94%
3,268,088 14.09% 2,830 24.10% 68,416 22.06%
1,662,692 7.17% 1,727 14.71% 37,970 12.24%
4,197,031 18.10% 422 3.59% 18,555 5.98%
2,009,680 8.66% 126 1.07% 5,767 1.86%
(1,926,264)
21,267,275 100.00% 11,741 100.00% 310,119 100.00%
72
2018 310,119 285,797
274,263 24,322
5,493
30 29.06% 28.06% 36.66%
31–40 30.16% 29.96% 31.74%
41–50 29.42% 30.63% 20.20%
51 11.36% 11.35% 11.40%
9.45% 8.09% 19.85%
65.67% 67.49% 51.77%
19.69% 19.98% 17.45%
5.19% 4.44% 10.93%
13.87% 9.90%
15.40% 9.24%
0.37% 2.54%
38.64% 10.04%
2018
73
11
4 9
2018
86,980 2,966,118
40%
3
74
2019
2019
2019 10%
75
2018
2018 600
4,550 307
15.1%
4,470
1.5
12.26% 27 22
127
47.4 2022
2018 2024
3,000 1
994 1,525 2018
21.27
500 46
1000 3 2018
13 1,300
57
18
30
70%
76
11
1581
100
2018
2018 624
115 23% 23
8
2018
1.29
3
2 20 9
2018 7,509
36%
112
19 235.39 180
2018 291
18
15
10
5
77
2018
6,326.67 17.42%
2018
78
2018 1 1 2018 12 31
– – – – – – – – –
294,387,791,241 100.00% – – – – – 294,387,791,241 100.00%
1 210,765,514,846 71.59% – – – – – 210,765,514,846 71.59%
2 83,622,276,395 28.41% – – – – – 83,622,276,395 28.41%
294,387,791,241 100.00% – – – – – 294,387,791,241 100.00%
1 2018 12 31 294,387,791,241 210,765,514,846 A
83,622,276,395 H
2 2018 12 31 A H
79
2018 12 31 736,594 548,563 A 188,031
H
727,085 539,623 A
187,462 H
2018 12 31
1 – 188,461,533,607 64.02% – A
2 39,723,749 81,911,858,658 27.82% – H
3 524,896,540 8,596,044,925 2.92% – A
4 – 1,810,024,500 0.61% – A
5 – 1,060,059,360 0.36% – A
6 152,807,731 649,609,382 0.22% – A
7 MUFG Bank, Ltd. – 520,357,200 0.18% – H
8 266,533,363 418,701,556 0.14% – A
005L FH002
9 382,238,605 382,238,605 0.13% – A
10 50 328,458,200 328,458,200 0.11% – A
H H
2018 12 31
H
80
2018 12 31 336
A H
188,461,533,607 A 89.42% – 64.02%
1,810,024,500 A 0.86% – 0.61%
190,271,558,107 A 90.28% – 64.63%
6,684,735,907 H – 7.99% 2.27%
BlackRock, Inc. 5,924,680,117 H – 7.09% 2.01%
1,816,000(S) H – 0.0022% 0.0006%
Citigroup Inc. 238,800 H – 0.0003% 0.0001%
620,401,815 H – 0.74% 0.21%
226,274,847(S) H – 0.27% 0.08%
3,621,740,964(P) H – 4.33% 1.23%
4,242,381,579 H – 5.07% 1.44%
226,274,847(S) H – 0.27% 0.08%
3,621,740,964(P) H – 4.33% 1.23%
1 BlackRock, Inc. BlackRock Holdco 2 Inc. BlackRock Holdco 2 Inc.
BlackRock Financial Management, Inc.
BlackRock, Inc. BlackRock Holdco 2 Inc. BlackRock Financial Management, Inc.
BlackRock, Inc. BlackRock Financial Management, Inc.
5,924,680,117 H 1,816,000 H 5,924,680,117 H
10,128,000 1,816,000 H 1,803,000
2 Citigroup Inc. Citicorp LLC Citicorp LLC Citibank, N.A.
Citigroup Inc. Citicorp LLC
Citibank, N.A. Citigroup Inc. Citibank, N.A.
4,242,381,579 H 226,274,847 H 4,242,381,579 H
3,621,740,964 H 348,871,041 H 226,274,847 H
3 S P
81
2018 12 31
336
2003 12 16
8
8
2017 3 2
82
2018 12 31
1 34.68%
2 34.71%
3 40.03%
4 64.02%
5 57.11%
6 55.67%
7 19.53%
8 73.63%
9 71.56%
10 31.34%
11 100.00%
12 69.07%
13 22.28%
14 55.68%
15 31.21%
16 70.00%
17 14.54%
1 A H
2 2018 6 6
3.985
2018
46.2%
3
2015 11 50
83
(www.china-inv.cn)
2007 10 9
2018 12 31 10%
2018 6
[2014]563 [2014]938
2014 10 23 399.4 65
2014 10 24
[2014]562 [2014]990
2014 11 21 320
[2014]818 2014 12 8
2015 3 13
280 [2015]377
2015 3 31
84
2018 12 31 48 47 1
48 47
1
2018 12 31
1 – 399,400,000 39.96%
2 – 180,000,000 18.01%
3 – 50,000,000 5.00%
4 – 30,000,000 3.00%
5 – 22,000,000 2.20%
6 – 21,000,000 2.10%
005L FH002
7 – 20,000,000 2.00%
7 – 20,000,000 2.00%
7 – 20,000,000 2.00%
5
10 – 19,000,000 1.90%
2018 12 31
Euroclear Clearstream 399,400,000
100%
2018 12 31 005L
FH002
10
85
30
86
1960 2014 4 2020
1961 2018 10 2021
1963 2019 2 2021
1965 2019 2 2021
1962 2017 8 2020
1964 2015 9 2021
1965 2017 8 2020
1964 2017 8 2020
1974 2018 9 2021
1963 2013 7 2019
1951 2013 9 2019
1964 2016 8 2019
1973 2017 1 2019
1971 2018 12 2021
1960 2016 11 2019
1958 2004 8 2019
87
1973 2018 12 2021
1962 2018 12 2021
1963 2018 12 2021
1953 2015 6 2021
1973 2019 2
1960 2014 11
1961 2018 6
1969 2019 2
1962 2018 3
2018 4
H 10,000
1962 2016 12 2018 1
1963 2016 12 2018 6
1965 2018 8 2018 9
1957 2011 7 2018 6
Nout WELLINK 1943 2012 10 2018 6
1957 2004 8 2018 3
1959 2010 8 2018 12
1969 2016 4 2018 12
1971 2012 8 2018 12
1971 2016 11 2018 9
1964 2016 4 2019 1
1963 2015 6 2018 3
2015 10
2018 3
H 1,100
88
2018
2018
54.60 14.44 – 69.04
18.20 5.02 – 23.22
– – – –
36.86 10.88 – 47.74
– – – –
– – – –
– – – –
– – – –
– – – –
55.00 – – 55.00
40.00 – – 40.00
49.30 – – 49.30
42.53 – – 42.53
1.69 – – 1.69
54.60 14.44 – 69.04
78.65 22.26 4.58 105.49
– – – –
– – – –
– – – –
26.00 – – 26.00
22.42 4.43 0.40 27.25
89.68 24.36 2.54 116.58
44.84 8.83 1.51 55.18
– – – – –
56.94 15.27 3.54 75.75
89
2018
4.10 1.14 – 5.24
24.57 6.84 – 31.41
36.86 10.56 – 47.42
– – – –
Nout WELLINK 29.67 – – 29.67
21.02 7.35 0.75 29.12
5.00 – – 5.00
5.00 – – 5.00
5.00 – – 5.00
36.86 10.56 – 47.42
89.68 24.35 2.54 116.57
14.23 5.44 0.46 20.13
1 2015 1 1
2 2018
3
4 2007 2009
5 2018
6 2018
7
8 2018
9
10 2018 1,146
90
2018
2017 8 1990 2014 4 2017 8
2014 2 2017 8 2008 6 2014 2
2000 6 2008 5
2011 12 2018 3
2011 12 2014 3 2017
8 2017 8
1982 1999
2018 10 2018 8 2018
2015 7 2018 6 2007 3 2015
2 2007 9 2015 2
2009 3 2015 6 2014
3 2015 5
2018 10 2018 12
1987
91
2019 2 2018 12 2018
2015 3 2018 10 2013 4 2018
10 2015 7 2018 10
2009 9 2017 3
2010 4 2017 6
1995
2019 2 2018 3 1987
2015 5 2018 1 2014 3 2015
5 2010 10 2014 3
2018 4
2018 5 2018 8
1987 2000
2017 8 2014 8 2017 8
2008 9 2014 8
1991 12 2008 9
1982 8 2005 7
2015 9 2014 12 2015 9
2010 4 2014 12
1996 11 2010 4
1986
92
2017 8 2019 2
2018 10 2014 4
2017 8 2004 9 2014 4
2011 7 2012 7
1996 10 2004 9
1988 8 2003
9 2012 7
2017 8 2012 1 2017 6
2007 5 2011 12 1985 7
1995 1 1997 7 2007 5
2005 10 2007 2
2005
1990 1 1997 6
2018 9 2005 2018
1998 2005
2010 1998
1995
93
2013 7
1994 1999 2001 2007
2007 2014
2001
2005
2013 2014
2005 11
2011 1 2004 2
2010 12
2004 9 2018 5 2009 12
2018 4 2018 11
1988
1996
2013 9 1987 7
2011 6 2009 2010
2012 7
1976
1981 1982
1985 1988 1989
1991
2016 8
1989 1995
1999 2005 2006 2016
94
2001
2004
2007 2013
2014 1989 7
1999 1
2017 1
1994 1996 Morgan Stanley Smith Barney
1996 1999
2001 2017 2018
2005 5 BIMCO39
39 2005 9
2007 11 2011 4
PS1
1994
(Magna Cum Laude) 2001
2018 12
2002
2013 2017
2007 2010
2010 2016
2011 2014 (KPMG) 2014
2015
2012 2014 2017
1995
1997 2002
95
2016 11 2016 6
2012 9 2016 7
2015 6 2016 7 2010 4 2012 9
1999 9 2010 4
1983 2009
2004 8 2005 4 2014 1
2001 11 2004 8
1984 8 2001 11
1984
2018 12
1999 7
1999
2018 12
1984 9
1984
2018 12 1981 11
1988 9
1999
2009
96
2015 6 2008 12 2013 8
2004 4 2008 12 2000 3
2004 4
1996 12 2000 3 1994 4 1996 12
1992 3 1994 3
1986 8
1992 3
1986
2019 2 1998 2018 9 2019 2
2015 3 2018 11
2015 12 2018 11
2015
3 2018 12
2019 2 1998
97
2014 11 1994 2009 11 2014 11
2004 5 2009 11
2007 1 2009 11 1999 12 2004 5
2002 11 2004 5
1994
2018 6 1994 2014 12
2009 9 2014 12
1982
2019 2 1991 2014 3
2011 2 2014 3
1991 2000
2018 3 2018 4 1998
2018 1 24
2018 6 12
98
2018 6 29
2018 6 29 Nout WELLINK
2018 6 29
2018 8 20
2018 9 18
2018 9 29
2018 10 11
2018 12 14
2019 2 3
2019 2 3
2018 3 31
2018 12 14
2018 12 14
2018 12 14
99
2018 12 14 2019 1 15
2018 12 14 2019 1 15
2018 12 14 2019 1 15
2018 1 24
2018 3 2
2018 3 2 2018 4 27
2018 3 28
2018 6 12
2018 6 26
2018 8 27
2018 9 12 2019 2 3
2018 9 18
2018 9 18
2018 12 28
2019 1 18
2019 2 3
100
A
2018
101
股東大會
董事會 監事會
董事會秘書部 監事會辦公室
高級管理層
（執行委員會）
戰略發展委員會 履職盡職監督委員會
審計委員會 財務與內部控制監督委員會
風險政策委員會
人事和薪酬委員會
資產負債管理委員會 反洗錢工作委員會
關聯交易控制委員會
風險管理與內部控制委員會 資產處置委員會
美國風險與管理委員會
採購評審委員會 信用風險管理與決策委員會
審計部 信息科技管理委員會
證券投資管理委員會
互聯網金融委員會
創新與產品管理委員會
2018
102
103
2018 6 28 2017
A
2017 2017 2017
2017 2018
2018
2016
2016
2017–2020
17 2017
2017 2017
2018 9 14 2018 A
2
2018 6 28 2018 9 14
104
2017 2018
2018
14
3 5 5
105
董事會構成
董事人數
14 其他國家 66–75
13 和地區
執行 女
12 董事
3年
以上
11 56–65
10
9
8 非執行
7 董事
中國
6 男
5 3年
55以下 以下
4
3 獨立
董事
2
1
0
職務 國籍 年齡（歲） 性別 擔任本行
董事時間
2018 1 19 3 2 3 29 4 27 5 31 6 28 7 17
8 28 10 29 11 16 12 12 11
69
2017 9
2018 6
106
2018
2018
107
2/2 14/17 9/9 – – – –
0/0 5/5 2/2 – – – –
2/2 17/17 – 6/6 9/9 – –
2/2 16/17 9/9 6/6 – – –
2/2 15/17 9/9 – 8/9 – –
2/2 16/17 9/9 – – 9/10 –
0/0 5/5 2/2 – – 2/2 –
2/2 17/17 – 6/6 – 10/10 2/3
2/2 17/17 – 6/6 – 10/10 3/3
2/2 17/17 9/9 6/6 9/9 8/10 –
2/2 12/17 – 6/6 8/9 – 2/3
0/0 0/0 – 0/0 – 0/0 0/0
0/0 1/1 – – – – –
0/0 7/7 – – – – 1/1
0/1 1/1 – – 1/1 – –
1/1 10/10 6/6 – – 6/6 –
Nout WELLINK 1/1 9/10 6/6 4/4 6/6 – –
1
2
108
2018
A.6.5
2018
5
3.13
2018
2018
2018
109
[2003]56
2018 12 31
10,708.25
7
110
2018 6 3
2017 2018
2017
7
2018 5 1
2018 2017 2018
2017 2018
2017
2018 2019 2017
2017 2018
3 2017
2017 2018
2018 2017
2018 2018
111
2019
2018
2018
2019
2019
5
112
2018 5 4
4
2018 4
6
6
113
2018 7 3
2017
2018
5
2018 3 2017
2017
114
6 2 3 1
2018
4
4 4
115
2018
29
193
2017
2018
2018
2018 12 31
2.32
1,400
116
3,602.14
2018
2018
2019
2019
2018
2017 2018 2018
200
e
2018
2018
117
2018
2017 100
(League of American Communications
Professionals) ARC(Annual Report
Competition)
(Hong Kong Management Association HKMA)
H
118
2018 12 31
30%
2018 2018
0.184 2019 5 17
2018
2019
5 17
A
2019 6 3 H 2019 6 18
2018 6 28 2017 0.176
2017 A H 2018 7 8
518.12
2018 6 30 2018
2018 1 19
2018 3 13 15.40
5.50%
2018 8 28
2018 10 23
4.39 6.75% 2018 11
21 19.20
6.00%
119
2019 1 25
2019 3 13 15.40
5.50%
2017 0.176 51,812 172,407 30%
2016 0.168 49,457 164,578 30%
2015 0.175 51,518 170,845 30%
2016 10 24 439 6.75%
2016 11 21 1,920 6.00%
2017 3 13 1,540 5.50%
2017 10 23 439 6.75%
2017 11 21 1,920 6.00%
2018 3 13 1,540 5.50%
2018 10 23 439 6.75%
2018 11 21 1,920 6.00%
2019 3 13 1,540 5.50%
120
2009
2013
10%
2019 1 4 2019 2018–2020
2018
2017
2018
121
H
2019 5 27 5 31
H H
2019 5 24
4 30
183 17 1712–1716
H 2019 5 23
8,735
38
20
2018
122
18
2018 12 31
XV
352
123
34
2018 12 31 2,280
124
28
2018 12 31
A
[2012]85
[2015]101
1 1
1 1 1 50%
1
20%
125
12
10%
H
H 10%
H
[2008]897
H 2008 10%
H
10%
126
10%
2019 3 29
127
2018 3 29 4 27 8 28 10 29 4
2017 2017 2017
2017 2017 2018
2017
2018 2018
2018 2017
2016 2017
2018 2018
16
2018
3/4
4/4
0/0
0/0
0/0
4/4
1/1
4/4
4/4
3/4
1
2
128
2018 3
1 2017
2017 2018
2018
4 2017 2017
2017 2017 2018
2018 2018
2018
4
129
18
4
130
2017 2018
15
131
2017 11 6
2018 1 29
2005 11
132
43
2018 12 31
133
2018
134
1
22
145 375
2018 12 31
2018 12 31
2018 12 31
2018 12 31
135
2014
9
IFRS 9 2018
1 1 IFRS 9
IFRS 9
1
136
2
2018 12 31
118,192.72
56%
3,037.81
1 17 3
137
2018 12 31
22,502.50
11%
2018 12 31
4%
2 6
138
7 46
139
140
141
2019 3 29
142
.......................................................... 145
..................................................... 146
..................................................... 147
................................................. 149
..................................................... 151
................................................... 153
................................................... 154
................... 202
........................................................... 206
1 ................................................ 207
2 ..................................... 208
3 ................................................ 208
4 ............................................ 209
5 .............................................. 209
6 .................................................. 210
7 .................................................. 211
8 ............................... 212
9 .............................................. 216
10 .................................................... 218
11 ............................... 220
12 .............................................. 221
13 ............................................ 223
14 .............................................. 224
15 .................................................. 225
16 ................................... 226
17 ............................................ 235
18 .................................................. 241
19 ................................... 253
20 .................................................. 254
21 .................................................. 258
22 .................................................. 260
23 .............................................. 264
24 .................................................. 265
25 ............................................ 265
26 ............................... 265
27 .................................................. 266
28 ............................................ 266
143
29 .................................................. 267
30 .................................................. 269
31 .............................................. 272
32 .................................................. 272
33 .............................................. 272
34 ............................................ 274
35 ................................................ 275
36 .................................................. 278
37 ..................... 281
38 .............. 283
39 .............................................. 285
40 ............................................ 286
41 ............................................ 288
42 ....................................... 292
43 .................................................. 293
44 .................................................. 301
45 ............................................ 307
46 ..................................... 309
47 ................................. 311
48 ........................... 313
49 .................................................. 317
1 ...................................................... 318
2 ......................................... 318
3 .................................................. 318
4 .................................................. 347
5 ................................................ 357
6 .................................................. 363
7 .................................................. 370
8 .................................................. 374
...... 375
1 ................ 375
2 .............................................. 379
3 .................................................. 380
4 .................................................. 382
5 .................................................... 383
6 ........................... 385
144
2018 2017
1 687,900 622,616
1 (328,194) (284,227)
359,706 338,389
2 99,997 100,800
2 (12,789) (12,109)
87,208 88,691
3 6,719 1,686
4 2,817 2,406
5 47,356 52,589
503,806 483,761
6 (176,979) (173,859)
9 (99,294) (88,161)
227,533 221,741
19 2,110 1,162
229,643 222,903
10 (37,208) (37,917)
192,435 184,986
180,086 172,407
12,349 12,579
192,435 184,986
11
0.59 0.56
0.59 0.56
38.3
145
2018 2017
192,435 184,986
12
(103) (59)
(1,216)
(52) 7
(1,371) (52)
22,072
(600)
(20,641)
59 521
12,775 (16,226)
197 324
34,503 (36,022)
33,132 (36,074)
225,567 148,912
209,946 140,688
15,621 8,224
225,567 148,912
146
2018 2017
12 31 12 31
13 439,931 560,463
14 2,331,053 2,227,614
15 1,042,358 575,399
26 145,010 129,350
181,203 172,763
16 124,126 94,912
17 11,515,764 10,644,304
18 5,054,551 4,554,722
370,491 193,611
1,879,759
2,804,301
1,857,222
2,089,864
414,025
19 23,369 17,180
20 227,394 205,614
21 22,086 21,026
35 38,204 46,487
22 122,226 217,590
21,267,275 19,467,424
147
2018 2017
12 31 12 31
24 1,731,209 1,425,262
25 907,521 1,035,797
26 145,187 129,671
27 612,267 500,092
28 14,327 20,372
16 99,254 111,095
29 14,883,596 13,657,924
30 782,127 499,128
31 32,761 30,628
32 27,894 34,521
33 2,825 3,027
35 4,548 4,018
36 298,362 439,210
19,541,878 17,890,745
37.1 294,388 294,388
37.4 99,714 99,714
37.2 142,135 141,880
37.3 (68) (102)
12 1,417 (35,573)
38.1 157,464 141,334
38.2 231,525 207,817
38 686,405 646,558
1,612,980 1,496,016
39 112,417 80,663
1,725,397 1,576,679
21,267,275 19,467,424
2019 3 29
148
2017 12 31 294,388 99,714 141,880 (35,573) 141,334 207,817 646,558 (102) 80,663 1,576,679
IFRS 9 – – – 7,119 (87) (415) (41,281) – (753) (35,417)
2018 1 1 294,388 99,714 141,880 (28,454) 141,247 207,402 605,277 (102) 79,910 1,541,262
149
12 – – – 29,860 – – 180,086 – 15,621 225,567
38.1 – – – – 16,217 – (16,217) – – –
38.2 – – – – – 24,123 (24,123) – – –
38.3 – – – – – – (58,603) – (5,101) (63,704)
37.3 – – – – – – – 34 – 34
– – – – – – – – 20,583 20,583
12 – – – 11 – – (11) – – –
– – 255 – – – (4) – 1,404 1,655
2018 12 31 294,388 99,714 142,135 1,417 157,464 231,525 686,405 (68) 112,417 1,725,397
2017 1 1 294,388 99,714 141,972 (3,854) 125,714 193,462 560,339 (53) 75,410 1,487,092
12 – – – (31,719) – – 172,407 – 8,224 148,912
38.1 – – – – 15,808 – (15,808) – – –
150
38.2 – – – – – 14,450 (14,450) – – –
38.3 – – – – – – (56,211) – (4,508) (60,719)
37.3 – – – – – – – (49) – (49)
– – – – – – – – 2,152 2,152
– – (92) – (188) (95) 281 – (615) (709)
2017 12 31 294,388 99,714 141,880 (35,573) 141,334 207,817 646,558 (102) 80,663 1,576,679
2018 2017
229,643 222,903
99,294 88,161
13,403 13,611
3,640 3,158
(820) (606)
(148) (4,333)
(2,110) (1,162)
(144,326) (127,360)
(264) (1,353)
(2,817) (2,406)
21,718 15,799
(1,652) (1,989)
188,996 27,192
107,814 48,496
(8,447) (11,459)
(63,515) (45,203)
(964,105) (985,177)
(110,167) 121,362
298,113 4,735
(138,637) 168,638
110,368 198,560
1,048,755 712,389
2,133 3,476
4,004 (2,833)
690,873 444,599
(28,515) (38,463)
662,358 406,136
151
2018 2017
10,273 8,736
5,300 5,176
499 1,750
140,366 117,396
2,425,239 2,065,668
(3,246) (3,949)
(42,149) (46,011)
(2,722,573) (2,657,496)
3,798 3,640
(182,493) (505,090)
664,202 586,789
20,583 2,152
(377,446) (446,896)
(14,332) (15,693)
(58,603) (56,211)
(5,101) (4,508)
34 (49)
229,337 65,584
20,646 (27,125)
729,848 (60,495)
958,752 1,019,247
42 1,688,600 958,752
152
2018
1912 2 5 1949
1949
1994
2004
8 26 2006
B0003H111000001
911000001000013428
1
2018 12 31
64.02% 2017 12 31 64.02%
2019 3 29
153
2018
1
1.1 2018
2018 1 1
40
2
4
9
9
15
22
2014–2016
2016 12
28
40
154
2018
1
1.1 2018
2
4
4
9 IFRS 9
IFRS 9
15
IFRS 9
22
2014–2016 2016 12
28
IFRS 9
155
2018
1
1.1 2018
1.1.1 9
2014 7 IFRS 9
IFRS 9 39 IAS 39 2018 1
1
2017 10 9
2019 1 1
2018 1 1 9
IFRS 9 2017
2017 2017
2018 IAS 39 2017
IFRS 9 2018 1 1
156
2018
1
1.1 2018
1.1.1 9
IFRS 9
4
IFRS 9
4.6
IFRS 9 IAS 39
2018 1 1 IFRS 9
157
2018
1
1.1 2018
1.1.1 9
1.1.1.1 IAS 39 IFRS 9
IAS 39 2018 1 1 IFRS 9
IAS 39 IFRS 9
ECL
L&R 560,463 6,550 – (272) – 566,741 AC
L&R 2,227,614 911 – – – 2,228,525 AC
L&R 575,399 2,914 – (96) – 578,217 AC
L&R 129,350 – – – – 129,350 AC
AC
FVOCI
L&R 10,644,304 27,512 5,493 (28,309) – 10,649,000 FVPL
L&R (179,179)
179,179 FVOCI
5,493 FVPL
L&R 414,025 4,964 (418,989) N/A
(384,603)
(470)
(33,916)
AFS 1,857,222 21,254 (1,878,476) N/A
(1) (252,601)
(1,507,154)
(13,685)
(105,036)
HTM 2,089,864 30,178 (2,120,042) N/A
(2,102,815)
(101)
(17,126)
L&R
AFS
HTM
AC
FVPL
FVOCI
ECL
N/A
158
2018
1
1.1 2018
1.1.1 9
1.1.1.1 IAS 39 IFRS 9
IAS 39 IFRS 9
ECL
N/A 2,745,002 (126) 13,643 2,758,519 AC
(1) 252,601 (25) 13,848
2,102,815 (368) (22)
384,603 268
(3) 4,983 (1) (183)
N/A 1,512,120 – (1) 1,512,119 FVOCI
1,507,154
101 1
470 (2)
(4) 4,395
N/A 13,685 – – 13,685 FVOCI
13,685
FVPL 143,094 1,038 175,394 – (892) 318,634 FVPL
(3) (595)
(4) (149)
(5) 26,596
17,126 (267)
98,500 (25)
33,916 (600)
FVPL 50,517 75 (34,187) – – 16,405 FVPL
(5) (26,596)
(3) (4,388)
(4) (4,246)
(5,493)
(2) 6,536
FVPL 94,912 – – – – 94,912 FVPL
680,660 (95,396) – 14,035 (2,671) 596,628
46,487 13,901 (2,671) 57,717
96,919 (95,396) 1,523
19,467,424 – – (14,768) 10,079 19,462,735
159
2018
1
1.1 2018
1.1.1 9
1.1.1.1 IAS 39 IFRS 9
IAS 39 IFRS 9
ECL
AC 1,425,262 7,666 1,246 – – 1,434,174 AC
FVPL 1,246 AC
AC 1,035,797 9,236 – – – 1,045,033 AC
AC 129,671 – – – – 129,671 AC
AC 500,092 873 – – – 500,965 AC
FVPL 111,095 – 49 – – 111,144 FVPL
49
AC FVPL 13,657,924 167,329 (49) – – 13,825,204 AC FVPL
(6) FVPL (359,937)
FVPL (49)
(6) 359,937 AC
AC 499,128 5,102 1,907 – 1,729 507,866 AC FVPL
(7) AC (15,813)
1,907 FVPL
(7) 15,813 1,729 FVPL
AC 30,628 – – – – 30,628 AC
FVPL 20,372 20 (3,153) – – 17,239 FVPL
(1,907)
(1,246)
480,776 (190,226) – 29,237 (238) 319,549
2,941 29,236 32,177
4,018 1 133 4,152
190,226 (190,226)
17,890,745 – – 29,237 1,491 17,921,473
160
2018
1
1.1 2018
1.1.1 9
1.1.1.1 IAS 39 IFRS 9
(1) 2018 1 1
2018 12 31
2,622.02
2018 86.02
(2) 2018 1 1
(3) 2018 1 1
161
2018
1
1.1 2018
1.1.1 9
1.1.1.1 IAS 39 IFRS 9
(4) 2018 1 1
(5) 2018 1 1
2018 1 1
(6) 2018 1 1
(7) 2018 1 1
162
2018
1
1.1 2018
1.1.1 9
1.1.1.2 IAS 39 IFRS 9
2017 12 31 IAS 39 2018
1 1 IFRS 9
IAS 39 IFRS 9
IAS 37
2017 12 31 2018 1 1
(IAS 39) (IFRS 9)
– – 272 272
174 – 96 270
252,254 – 28,309 280,563
5,383 (6) (268) 5,109
(IAS 39) (IFRS 9)
39 1,017 394 1,450
(IAS 39) (IFRS 9)
– – 1,033 1,033
(IAS 39) (IFRS 9)
5,492 (5,492) 906 906
(IAS 39) (IFRS 9)
1,176 (1,176) – –
1,946 – 29,236 31,182
727 – (134) 593
267,191 (5,657) 59,844 321,378
163
2018
1
1.2 2018
16 2019 1 1
2019 1 1
23
19 2019 1 1
28 2019 1 1
3 2020 1 1
1 2020 1 1
8
17 2021 1 1
10
28
2015–2017 2019 1 1
2017 12
2016 1 16
17 4
2019 1 1 16
2019 1 1
164
2018
1
1.2 2018
23 12
19
28 IFRS 9
3
165
2018
1
1.2 2018
1 8
17 IFRS 17
4
10 28
2015–2017 2017 12
3 11
12 23
IFRS 17 IFRS 17
166
2018
2
2.1
167
2018
2
2.1
2.2
20% 50%
168
2018
2
2.2
2.3
3
3.1
169
2018
3
3.2
170
2018
4
4.1
171
2018
4
4.2
4.2.1
172
2018
4
4.2
4.2.1
(1)
(2)
173
2018
4
4.2
4.2.1
(3)
IAS 32
(4)
174
2018
4
4.2
4.2.2
175
2018
4
4.2
4.2.3
4.2.4
176
2018
4
4.3
177
2018
4
4.4
4.5
178
2018
4
4.6
12
12
179
2018
4
4.6
180
2018
4
4.6
30
181
2018
4
4.6
IFRS 9
90
182
2018
4
4.6
12
IFRS 9
12
12
183
2018
4
4.6
12
12
184
2018
4
4.7
185
2018
4
4.7
(1)
186
2018
4
4.7
(2)
(3)
187
2018
4
4.8
4.9
188
2018
5
6
189
2018
7
190
2018
7
7.1
15–50 3% 1.9%–6.5%
3–15 3% 6.4%–32.4%
4–6 3% 16.1%–24.3%
7.2
25
0% 15%
7.3
8
8.1
191
2018
8
8.2
8.3
9
192
2018
10
11
12
12.1
2004 1 1
193
2018
12
12.1
12.2
2003 12 31
194
2018
12
12.3
12.4
(1)
195
2018
12
12.4
(2)
12.5
13
196
2018
14
14.1
14.2
(1)
(2)
197
2018
14
14.3
15
16
198
2018
17
18
199
2018
19
20
20.1
20.2
200
2018
20
20.2
21
22
201
2018
2018
2017 2017
1
12
202
2018
1
2
203
2018
2
3
4
12.2
33
204
2018
5
6
205
2018
7
25%
6%
1%–7%
3%
2%
16.5%
206
2018
1
2018 2017
469,098 414,695
(1)
144,326 132,167
74,476 75,754
687,900 622,616
(229,998) (204,794)
(75,707) (62,962)
(22,489) (16,471)
(328,194) (284,227)
359,706 338,389
1,652 1,997
(1)
207
2018
2
2018 2017
29,943 25,798
20,212 23,310
13,670 12,323
13,181 15,090
7,740 8,083
3,597 3,527
3,534 5,615
8,120 7,054
99,997 100,800
(12,789) (12,109)
87,208 88,691
3
2018 2017
(4,574) (2,334)
9,910 1,998
423 1,444
960 578
(1)
6,719 1,686
(1) 2018
13.55 2017 1.21
208
2018
4
2018 2017
1,700
(1)
1,117
1,637
770
(1)
2,817 2,406
(1) 2018
5
2018 2017
(1)
20,965 22,249
10,233 8,651
7,658 8,080
1,918 1,697
949 720
21 919 771
148 4,333
(2)
4,566 6,088
47,356 52,589
209
2018
5
(1)
2018 2017
21,037 23,103
(6,259) (6,209)
14,778 16,894
7,365 6,480
(1,178) (1,125)
6,187 5,355
20,965 22,249
(2) 2018 6.20
2017 15.11
6
2018 2017
7 85,391 82,061
(1)
42,768 41,235
13,093 18,946
3,915 3,661
13,451 13,667
7,185 7,306
4,744 4,676
6,432 2,307
(2)
176,979 173,859
210
2018
6
(1) 2018 2.32 2017 2.15
0.71 2017
0.59
(2) 2018 77.89
122.62 2017 74.72
120.92
7
2018 2017
58,242 56,477
3,583 3,146
85 2
3,644 3,404
6,835 6,657
2,372 2,060
206 212
87 90
243 215
4,628 4,692
1,941 1,925
13 7
3,512 3,174
85,391 82,061
211
2018
8
2018
(4)
–(2) 546 69 75 690
(4)(5)
–(2) 182 24 26 232
(4)(6)
–(2) 41 5 6 52
(4)(6)
–(2) 246 32 36 314
(4)(5)(6)
–(2) 369 50 56 475
(1)
– – – – –
(1)
– – – – –
(1)
– – – – –
(1)
– – – – –
(1)(5)
– – – – –
(1)(6)
– – – – –
550 – – – 550
400 – – – 400
493 – – – 493
425 – – – 425
(5)
17 – – – 17
Nout WELLINK(6) 297 – – – 297
(4)
– 546 69 75 690
(4)
– 786 83 186 1,055
(5)
– – – – –
(5)
– – – – –
(5)
– – – – –
260 – – – 260
(4)(6)
– 210 20 61 291
(6)
50(3) – – – 50
(6)
50(3) – – – 50
(6)
50(3) – – – 50
2,592 2,926 352 521 6,391
212
2018
8
2017
(4)
–(2) 707 64 69 840
(4)(6)
–(2) 636 73 69 778
(4)
–(2) 412 67 39 518
(4)(6)
–(2) 635 95 69 799
(1)(6)
– – – – –
(1)
– – – – –
(1)
– – – – –
(1)
– – – – –
(1)
– – – – –
(1)
– – – – –
(1)
– – – – –
(1)
– – – – –
Nout WELLINK(6) 600 – – – 600
550 – – – 550
400 – – – 400
400 – – – 400
397 – – – 397
(4)
– 707 64 69 840
(4)(6)
– 1,410 118 254 1,782
(4)
– 1,318 141 243 1,702
(6)
50(3) – – – 50
(6)
50(3) – – – 50
(6)
50(3) – – – 50
249 – – – 249
2,746 5,825 622 812 10,005
213
2018
8
(1) 2018 2017
(2) 2018 2017
(3)
(4) 2018
2018
2017 2018 8 30
3
(5) 2018 10 11 2018 8 20
2018 9 29 2018 12 14
2018 12 14
(6) 2018 1 24 2018 6 12
2018 9 18 2018 6 29
Nout WELLINK 2018 6 29
2018 3 31 2018 12
14
214
2018
8
2018 2017
2018 2017
23 22
105 85
4 3
132 110
2018 2017
12,000,001–14,000,000 – 1
14,000,001–16,000,000 – –
16,000,001–20,000,000 1 2
20,000,001–50,000,000 4 2
2018 2017
215
2018
9
2018
108,669
(764)
107,905
1,132
(46)
1,086
(10,194)
346
99,143
151
99,294
216
2018
9
2017
40,084
43,941
84,025
326
–
2,910
3,236
900
88,161
217
2018
10
2018 2017
20,726 37,940
5,036 5,297
5,917 5,218
(9,255) (3,595)
22,424 44,860
35.3 14,784 (6,943)
37,208 37,917
25%
5
218
2018
10
2018 2017
229,643 222,903
57,411 55,726
(4,712) (4,084)
1,347 1,055
(1)
(23,934) (20,994)
(2)
10,977 9,316
(3,881) (3,102)
37,208 37,917
(1)
(2)
219
2018
11
2018
2018 2017
180,086 172,407
(6,791) (6,754)
173,295 165,653
294,373 294,365
0.59 0.56
2018 2017
294,388 294,388
(15) (23)
294,373 294,365
220
2018
12
2018 2017
(103) (59)
(1,391)
175
(52) 7
(1,371) (52)
28,821
(5,684)
(1,410)
345
22,072
(804)
204
(600)
(24,911)
5,438
(1,397)
229
(20,641)
127 646
(68) (125)
59 521
12,381 (16,013)
394 (213)
12,775 (16,226)
197 324
34,503 (36,022)
33,132 (36,074)
221
2018
12
2017 1 1 2,130 (8,223) 2,239 (3,854)
(20,941) (11,461) 683 (31,719)
2017 12 31 (18,811) (19,684) 2,922 (35,573)
IFRS 9 (11,692) 18,811 – – 7,119
2018 1 1 (11,692) (19,684) 2,922 (28,454)
21,087 8,725 59 29,871
2018 12 31 9,395 (10,959) 2,981 1,417
222
2018
13
2018 2017
12 31 12 31
76,755 75,406
270,861 423,479
13,767 6,738
75,998 54,757
278 83
(1)
360,904 485,057
2,698
(1)
(426) –
363,176 485,057
439,931 560,463
(1) 2018 12 31 12
223
2018
14
2018 2017
12 31 12 31
(1)
1,575,873 1,740,871
(2)
82,598 124,331
(3)
671,249 362,412
2,329,720 2,227,614
1,333
2,331,053 2,227,614
(1)
2018 12 31 14.0%
2017 12 31 16.5% 5.0% 2017 12 31 5.0%
(2)
(3)
224
2018
15
2018 2017
12 31 12 31
172,366 133,136
771,007 355,290
83,223 74,065
11,723 13,082
(1)
1,038,319 575,573
4,404
(2)
(365) (174)
1,042,358 575,399
(1)
2018 2017
12 31 12 31
52,716 50,117
190,646 9,229
16,498 23,242
737 6,252
260,597 88,840
– –
260,597 88,840
(2) 2018 12 31 12
225
2018
16
226
2018
16
16.1
2018 12 31 2017 12 31
(1)
8,245,972 97,603 (73,652) 6,671,858 76,007 (96,630)
220,694 2,210 (1,829) 321,625 4,248 (1,773)
1,718 4 (11) 2,376 5 (22)
8,468,384 99,817 (75,492) 6,995,859 80,260 (98,425)
2,443,952 19,637 (18,012) 2,803,583 10,382 (8,302)
24,342 42 (44) 11,309 12 (8)
17,970 1 (39) 15,239 9 (1)
2,486,264 19,680 (18,095) 2,830,131 10,403 (8,311)
7,276 237 (208) 19,302 398 (498)
247,867 4,392 (5,459) 267,139 3,851 (3,861)
(2)
11,209,791 124,126 (99,254) 10,112,431 94,912 (111,095)
(1)
(2)
227
2018
16
16.2
2018 1 1 IFRS 9 2018
(1)
(i)
2018 12 31
117,618 1,788 (624)
4,280 – (660)
121,898 1,788 (1,284)
228
2018
16
16.2
(1)
(i)
2018 12 31
1 1 3 1
3 1 5 5
206 2,127 11,529 71,852 31,904 117,618
2.95% 2.10% 3.34% 2.86% 3.23%
– – – 3,939 341 4,280
– – – 5.09% 5.50%
– – – 6.48 6.04
– – – 0.93 –
229
2018
16
16.2
(1)
(ii)
2018 12 31
– (15,638) – 174
101,287 – (1,956) –
– (3,621) – 660
101,287 (19,259) (1,956) 834
(iii)
2018
192
115
307
230
2018
16
16.2
(2)
2018 12 31 550.34
21.57 2018
(i)
2018 12 31
2,157 – (68)
2,157 – (68)
231
2018
16
16.2
(2)
(i)
2018 12 31
1 1 3 1
3 1 5 5
– – 2,157 – – 2,157
– – 0.06 – –
– – 0.17 – –
(ii)
2018
(475)
16
(459)
232
2018
16
16.2
2017
2017
2017 12 31
– – –
120,407 1,955 (574)
(1)
120,407 1,955 (574)
2,211 43 (48)
5,227 110 –
(2)
7,438 153 (48)
127,845 2,108 (622)
(1)
233
2018
16
16.2
(1)
2017
33
328
361
(2)
2017 0.05
2017
2017
(3)
2017 8.60 2017
234
2018
17
17.1
2018
12 31
7,117,954
4,440,085
2,001
(1)
224,113
11,784,153
(2)
3,530
11,787,683
31,589
11,819,272
(303,508)
11,515,764
(1) 2018 12 31
2.73
(2) 2018
235
2018
17
17.1
2017
12 31
6,792,502
180,199
6,972,701
3,923,857
10,896,558
(79,316)
(172,938)
(252,254)
10,644,304
17.2
3.5
236
2018
17
17.3
2018
(1)
2018
12
87,094 76,050 117,419 280,563
44,537 36,901 45,952 127,390
(39,519) (20,181) (13,102) (72,802)
10,301 (9,636) (665) –
(1,481) 1,929 (448) –
(350) (25,985) 26,335 –
(9,674) 17,487 41,136 48,949
(29) 2,018 (587) 1,402
3,929 (199) – 3,730
(192) (1,969) (89,497) (91,658)
– – 5,413 5,413
– – (1,652) (1,652)
359 29 296 684
814 159 516 1,489
95,789 76,603 131,116 303,508
237
2018
17
17.3
(2)
2018
12
829 204 – 1,033
255 39 – 294
(854) (204) – (1,058)
4 – – 4
234 39 – 273
238
2018
17
17.3
2018
1,398.44
320.41 654.55
215.67 479.63
88.03
925.27
792.58
172.39
19.69
49.27
379.49
1.92
13.87
239
2018
17
17.3
2017
2017
237,716
126,683
(42,658)
(70,344)
3,546
(1,989)
(1,518)
818
252,254
240
2018
18
2018 2017
12 31 12 31
10,495 3,604
647 229
33,708 12,124
113,103 48,503
50,646 39,649
20,595 22,214
23 946
14,575 3,336
5,085 3,504
248,877 134,109
47,061 4,870
49,983 4,115
345,921 143,094
241
2018
18
2018 2017
12 31 12 31
(1)
1,756 219
1,083 824
3,472 2,314
966 6,385
2,916 2,311
1,494 –
7,977 16,463
4,906 5,774
24,570 34,290
5,493
3,159
7,575
24,570 50,517
370,491 193,611
242
2018
18
2018 2017
12 31 12 31
570,820
41,294
262,597
348,300
120,344
265,923
37,737
120,185
95,032
1,862,232
16,298
1,229
(2)
1,879,759
243
2018
18
2018 2017
12 31 12 31
(3)(4)
2,079,661
43,610
194,255
34,781
22,539
(5)
153,627
78,075
69,650
33,991
49,299
2,759,488
14,757
37,810
(7,754)
2,804,301
244
2018
18
2018 2017
12 31 12 31
590,988
27,457
278,504
182,759
112,069
308,985
43,914
145,003
80,079
1,769,758
38,694
48,770
(6)
1,857,222
245
2018
18
2018 2017
12 31 12 31
1,609,204
36,330
226,293
58,033
25,226
43,034
40,766
26,517
24,500
2,089,903
(39)
(6)
2,089,864
246
2018
18
2018 2017
12 31 12 31
(3)(4)
199,521
1,500
31,218
5,538
(5)
158,806
652
6,624
2
1,313
405,174
14,234
(5,383)
414,025
(7)(8)(9)
5,054,551 4,554,722
247
2018
18
2018 2017
12 31 12 31
35,821 27,306
(10)
209,996 117,608
124,674 48,697
129,653
(10)
1,363,984
368,595
6,233
(10)
2,018
9,276
38,550
(10)
2,304,434
461,317
248
2018
18
2018 2017
12 31 12 31
119,454
(10)
1,267,426
382,878
6,912
(10)
969
79,583
31,414
(10)
1,963,925
94,525
414,025
5,054,551 4,554,722
210,257 185,086
(10)
3,880,432 3,349,928
963,862 1,019,708
5,054,551 4,554,722
249
2018
18
2018 12 31 2017 12 31
38,550 38,155
(10)
2,304,434 2,318,733
31,414 31,668
(10)
1,963,925 1,914,595
(1)
(2)
2018
2.65
2018 12 31
8.62
(3) 1998 8 18 425
2028 8 18 7.20% 2004 12 1 2.25%
(4)
2018
12 31 23.58 2017 12 31
21.40
(5) 1999 2000
2000 7 1 1,600 2.25%
2010 2020 6 30
[2004]87 2018 12 31
63.73
250
2018
18
(6) 2018
2017 50.97
2017
3.64
(7) 2018 12 31
2018 2017
12 31 12 31
981,414 986,498
0.00%–5.31% 0.00%–5.41%
(8) 2018 12 31 2,809.24 2017 12 31
1,607.80
(9) 2018 12 31 11.23
17.55 0.04
12
(10)
251
2018
18
2018
12
428 4 6,127 6,559
(150) (2) 1,284 1,132
– – (41) (41)
50 1 53 104
328 3 7,423 7,754
2018
12
906 – – 906
(47) 1 – (46)
2 – – 2
861 1 – 862
252
2018
19
2018 2017
17,180 14,059
8,820 3,079
(5,152) (692)
2,110 1,162
(227) (396)
638 (32)
23,369 17,180
43.4
2018 2017
12 31 12 31
4,553 4,318
4,549 –
1,710 1,285
1,504 1,349
1,374 1,311
1,346 2,976
1,227 –
Wkland Investments II Limited 876 793
768 735
5,462 4,413
23,369 17,180
2018 12 31
253
2018
20
2018
113,913 72,096 22,522 100,551 309,082
321 5,715 19,850 11,662 37,548
21 1,665 – – – 1,665
1,928 807 (11,960) 9,225 –
(834) (4,712) (816) (11,181) (17,543)
955 413 637 4,896 6,901
117,948 74,319 30,233 115,153 337,653
(34,732) (56,683) – (10,954) (102,369)
(3,626) (6,185) – (3,592) (13,403)
567 4,409 – 2,763 7,739
21 47 – – – 47
(297) (293) – (654) (1,244)
(38,041) (58,752) – (12,437) (109,230)
(789) – (217) (93) (1,099)
– – – – –
15 – – 56 71
4 – – (5) (1)
(770) – (217) (42) (1,029)
78,392 15,413 22,305 89,504 205,614
79,137 15,567 30,016 102,674 227,394
254
2018
20
2017
111,323 69,621 26,160 82,876 289,980
365 6,172 12,029 21,419 39,985
21 177 – – – 177
3,890 638 (14,412) 9,884 –
(688) (3,835) (365) (8,851) (13,739)
(1,154) (500) (890) (4,777) (7,321)
113,913 72,096 22,522 100,551 309,082
(31,771) (53,889) – (8,358) (94,018)
(3,636) (6,873) – (4,550) (15,059)
369 3,711 – 1,381 5,461
21 45 – – – 45
261 368 – 573 1,202
(34,732) (56,683) – (10,954) (102,369)
(768) – (221) (76) (1,065)
(31) – – (130) (161)
9 – 4 109 122
1 – – 4 5
(789) – (217) (93) (1,099)
78,784 15,732 25,939 74,442 194,897
78,392 15,413 22,305 89,504 205,614
255
2018
20
2018 12 31
2017 12 31 6.08
2018 12 31
1,026.57 2017 12 31 893.00
2018 12 31 223.64
2017 12 31 259.30
31
256
2018
20
2018 12 31
2018 2017
12 31 12 31
50 3,464 3,039
10–50 8,525 7,301
11,989 10,340
50 4,198 4,199
10–50 57,087 58,407
10 5,863 5,446
67,148 68,052
79,137 78,392
257
2018
21
2018 2017
21,026 21,659
1,094 1,051
20 (1,712) (222)
(61) (970)
5 919 771
820 (1,263)
22,086 21,026
2018
12 31
133.71 66.68 2017 12 31 128.59
61.04 2018 12 31
258
2018
21
2018 2017
12 31 12 31
50 2,966 2,994
10–50 10,185 9,688
13,151 12,682
50 4,136 3,922
10–50 4,467 3,690
10 332 732
8,935 8,344
22,086 21,026
259
2018
22
2018 2017
12 31 12 31
(1)
82,521 86,243
(2)
12,467 11,605
(3)
6,985 7,230
3,306 3,105
(4)
2,318 2,675
(5)
2,620 2,481
1.1.1.1 1,422 96,919
10,587 7,332
122,226 217,590
(1)
2018 2017
12 31 12 31
86,627 91,080
(4,106) (4,837)
82,521 86,243
260
2018
22
(1)
2018 12 31 2017 12 31
1 78,494 (371) 81,458 (587)
1 3 3,358 (1,029) 5,631 (1,569)
3 4,775 (2,706) 3,991 (2,681)
86,627 (4,106) 91,080 (4,837)
(2)
2018 2017
19,995 13,861
2,992 6,358
(97) (160)
56 (64)
22,946 19,995
(8,390) (6,998)
(2,078) (1,498)
34 55
(45) 51
(10,479) (8,390)
11,605 6,863
12,467 11,605
261
2018
22
(3)
2018 2017
12 31 12 31
50 94 112
10–50 6,058 6,260
10 833 858
6,985 7,230
(4)
2018 2017
12 31 12 31
2,391 2,123
606 643
158 566
3,155 3,332
(837) (657)
2,318 2,675
2018 3.48 2017 5.43
2018 12 31
262
2018
22
(5)
2018 2017
2,481 2,473
44 137
95 (129)
2,620 2,481
2006 2.41
16.51
263
2018
23
2018
280,563 247,249 (138,580) (87,897) 2,173 303,508
1,033 294 (1,058) – 4 273
6,559 2,252 (1,120) (41) 104 7,754
906 464 (510) – 2 862
31,182 11,588 (21,782) – 366 21,354
1,099 – – (71) 1 1,029
657 203 (58) (32) 67 837
15 – – (5) – 10
6,629 1,989 (1,637) (907) (139) 5,935
328,643 264,039 (164,745) (88,953) 2,578 341,562
2017
237,716 126,683 (42,658) (68,787) (700) 252,254
7,103 387 (61) (288) (473) 6,668
44 – – (3) (2) 39
2,473 2,961 (51) – – 5,383
1,065 161 – (122) (5) 1,099
650 36 (6) (17) (6) 657
15 – – – – 15
6,063 2,079 (1,370) (210) (167) 6,395
255,129 132,307 (44,146) (69,427) (1,353) 272,510
264
2018
24
2018 2017
12 31 12 31
434,504 318,660
1,016,374 895,225
193,535 157,582
79,036 53,795
1,723,449 1,425,262
7,760
1,731,209 1,425,262
25
2018 2017
12 31 12 31
204,758 205,607
692,494 830,190
897,252 1,035,797
10,269
907,521 1,035,797
26
265
2018
27
2018 2017
12 31 12 31
268,435 289,541
29,495 26,463
307,531 180,554
4,999 3,534
610,460 500,092
1,807
(1)(2)
612,267 500,092
(1) 2018
2018 12 31 8.76
(2)
2018 2017
12 31 12 31
(i)
285,018 258,400
(i) 41.2
28
2018 2017 12 31
266
2018
29
2018 2017
12 31 12 31
4,178,962 3,955,206
2,935,661 2,613,409
7,114,623 6,568,615
3,507,071 3,213,375
3,148,265 3,060,245
6,655,336 6,273,620
(1)
246,380 215,193
338,544 157,574
584,924 372,767
287,808 377,460
(2)
73,751 65,462
14,716,442 13,657,924
167,154
(3)
14,883,596 13,657,924
267
2018
29
(1)
2018 12 31
241.41
2018
(2)
2018 12 31 46 35 0.15%
7.92% 2017 12 31 0.15% 7.92%
(3) 2018 12 31 3,043.88
2017 12 31 3,112.02
268
2018
30
2018 2017
12 31 12 31
2009
(1)
2009 7 6 2024 7 8 4.00% 24,000 24,000
(2)
2010 2010 3 9 2025 3 11 4.68% 24,930 24,930
2010
2010 2 11 2020 2 11 5.55% 15,461
(3)
2011 2011 5 17 2026 5 19 5.30% 32,000 32,000
2012
(4)
2012 11 27 2027 11 29 4.99% 18,000 18,000
(11)
98,930 114,391
2014
(5)
2014 8 8 2024 8 11 5.80% 29,972 29,972
2014
(6)
2014 11 13 2024 11 13 5.00% 20,502 19,424
2017
(7)
2017 9 26 2027 9 28 4.45% 29,962 29,960
2017
(8)
2017 10 31 2027 11 2 4.45% 29,964 29,962
2018
(9)
2018 9 3 2028 9 5 4.86% 39,982 –
2018
(10)
2018 10 9 2028 10 11 4.84% 39,984 –
(11)
190,366 109,318
(12)
216,750 173,517
22,454 22,869
76,090 68,607
315,294 264,993
(13)
150,273 10,426
754,863 499,128
(14)
20,517
775,380 499,128
6,747
(15)
782,127 499,128
269
2018
30
(1) 2009 7 6
4.00%
3.00%
(2) 2010 3 9 4.68%
3.00%
(3) 2011 5 17 5.30%
5.30%
(4) 2012 11 27 4.99%
4.99%
(5) 2014 8 8 300 10
5.80%
(6) 2014 11 13 30 10
5.00%
(7) 2017 9 26 300 10
4.45%
(8) 2017 10 31 300 10
4.45%
270
2018
30
(9) 2018 9 3 400 10
4.86%
(10) 2018 10 9 400 10
4.84%
(11)
(12) 2013 2018
2019 2030
(13) 2017 2018 2019
(14)
2018 12 31
205.17 2018
(15) 2018 2017
271
2018
31
20
2018 12 31 32 7
2.65% 4.26% 2017 12 31 1.41% 3.10%
2018 2017
32
2018 2017
12 31 12 31
20,626 27,722
5,966 5,453
431 411
282 285
589 650
27,894 34,521
33
2018 12 31 2003 12 31
22.13 2017 12 31
22.05 6.12 2017 12 31 8.22 2018
2017 12 31
272
2018
33
2018 2017
3,027 3,439
110 94
78 (33)
(390) (473)
2,825 3,027
2018 2017
12 31 12 31
3.28% 3.92%
2.90% 3.82%
3.0% 3.0%
5.0%–3.0% 6.0%–3.0%
8.0% 8.0%
60 60
50/55 50/55
273
2018
33
2018 2017 12 31
34
2005 11
25%
H
274
2018
35
35.1
2018 12 31 2017 12 31
144,757 38,204 179,004 46,487
(25,729) (4,548) (24,669) (4,018)
119,028 33,656 154,335 42,469
275
2018
35
35.2
2018 12 31 2017 12 31
184,629 45,993 155,379 38,707
18,371 4,582 18,716 4,673
89,473 22,327 104,486 26,090
30,551 7,464
5,386 1,059
30,132 6,889 16,932 3,351
327,991 80,850 326,064 80,285
(112,457) (28,114) (86,856) (21,688)
(8,835) (2,097)
(17,028) (4,174)
(18,909) (3,208) (19,131) (3,261)
(8,775) (1,675) (6,968) (1,335)
(51,794) (10,023) (49,939) (9,435)
(208,963) (47,194) (171,729) (37,816)
119,028 33,656 154,335 42,469
2018 12 31
1,420.76 2017 12 31 1,118.41
20.2
276
2018
35
35.3
2018 2017
42,469 29,840
IFRS 9 11,096
10 (14,784) 6,943
(5,028) 5,542
(97) 144
33,656 42,469
35.4
2018 2017
(219) 755
(10,337) 7,279
(91) (198)
(4,137) (893)
(14,784) 6,943
277
2018
36
2018 2017
12 31 12 31
96,719 91,618
9,346 9,098
63,647 41,621
(1)
30,997 28,883
(2)
22,010 2,941
9,264 8,680
1.1.1.1 – 190,226
66,379 66,143
298,362 439,210
278
2018
36
(1)
2018
22,697 58,242 (57,010) 23,929
– 3,583 (3,583) –
1,029 3,644 (3,537) 1,136
171 6,835 (6,825) 181
23 2,372 (2,085) 310
7 206 (206) 7
2 87 (87) 2
3 243 (243) 3
31 4,628 (4,603) 56
4,368 1,941 (1,517) 4,792
16 13 (12) 17
536 3,512 (3,484) 564
(i)
28,883 85,306 (83,192) 30,997
2017
22,322 56,477 (56,102) 22,697
– 3,146 (3,146) –
985 3,404 (3,360) 1,029
170 6,657 (6,656) 171
23 2,060 (2,060) 23
7 212 (212) 7
2 90 (90) 2
3 215 (215) 3
32 4,692 (4,693) 31
3,885 1,925 (1,442) 4,368
15 7 (6) 16
373 3,174 (3,011) 536
(i)
27,817 82,059 (80,993) 28,883
(i) 2018 2017 12 31
279
2018
36
(2)
2018 2017
12 31 12 31
21,354 1,946
41.1 656 995
22,010 2,941
2018 2017
2,941 6,065
IFRS 9 29,236
(10,120) (2,995)
(413) (129)
366 –
22,010 2,941
280
2018
37
37.1
2018 2017
12 31 12 31
A 1 210,765,514,846 210,765,514,846
H 1 83,622,276,395 83,622,276,395
294,387,791,241 294,387,791,241
A H
37.2
2018 2017
12 31 12 31
139,921 139,921
2,214 1,959
142,135 141,880
281
2018
37
37.3
2018 12 31 2,280
2017 12 31 3,185
37.4
2018
2018 1 1 2018 12 31
(1)
2014 3.994 39,782 – – 3.994 39,782
(2)
2014 3.200 31,963 – – 3.200 31,963
(3)
2015 2.800 27,969 – – 2.800 27,969
9.994 99,714 – – 9.994 99,714
(1) 2014 10 23
399.40 100
399,400,000 6.75% 18.07%
2019 10 23
(2) 2014 11 21
320 100 320,000,000
6.0%
2019 11 21
282
2018
37
37.4
(3) 2015 3 13
280 100 280,000,000
5.5%
2020 3 13
38
38.1
10%
50%
25%
2019 3 29 2018 10%
159.46 2017 151.47
283
2018
38
38.2
[2012]20
1.5% 5
2019 3 29 2018 223.52
2017 132.82
2018 2017 12 31
64.48 64.33
38.3
2018 6 28 2017
2017 518.12
2018 0.184 2017
0.176 2018 12 31
541.67 2018 2019
5 17
284
2018
38
38.3
2018 1 19
2018 3 13
15.40
2018 8 28
2018 10 23
4.87 2018 11 21
19.20
39
2018 2017
12 31 12 31
87,689 60,084
9,440 8,265
9,034 8,173
6,254 4,141
112,417 80,663
285
2018
40
2018 12 25 5 26
14.39 45.90% 67.05%
4,974 4,974
1,215 1,215
7,007 7,007
49 51
1 1
75 74
102 102
(74) (74)
(91) (91)
(9,762) (9,762)
(5) (5)
(360) (360)
3,131 3,132
(1,649) (1,649)
1,482
44
(87)
1,439
286
2018
40
26
2018 12 31
9
8
(377)
2018
3,798
(1,439)
2,359
287
2018
41
41.1
2018 12 31
2018 12 31
6.56 2017 12 31 9.95
36
41.2
2018 2017
12 31 12 31
990,743 1,119,921
1,603 751
992,346 1,120,672
41.3
2018 12 31
272.18 2017 12 31 320.52
2018 12 31
26.31 2017 12 31 30.67
288
2018
41
41.4
2018 2017
12 31 12 31
64,650 52,839
1,597 1,804
934 709
25 47
7 9
67,213 55,408
41.5
(1)
2018 2017
12 31 12 31
1 6,698 6,570
1–2 5,071 4,952
2–3 3,724 3,597
3 12,600 6,667
28,093 21,786
289
2018
41
41.5
(2)
2018 12 31
117.53 2017 12 31 103.19
474.94 2017 12 31 422.37
502.48 2017 12 31 474.90
41.6
2018 12 31 526.35
2017 12 31 498.55
290
2018
41
41.7
2018 2017
12 31 12 31
(1)
1 186,425 188,198
1 1,127,891 1,147,484
954,394 840,078
(2)
1,070,825 1,079,178
256,360 295,991
130,625 139,298
98,849 90,175
167,642 90,230
(3)
3,993,011 3,870,632
(1)
2018 12 31 2,540.33
2017 12 31 2,403.03
(2)
291
2018
41
41.7
(3)
2018 2017
12 31 12 31
1,102,554 1,067,636
41.8
2018 12 31 2017
12 31 5.70
42
3
2018 2017
12 31 12 31
264,526 279,651
728,940 438,711
638,472 177,129
56,662 63,261
1,688,600 958,752
292
2018
43
43.1 2007 9 29 15,500
43.2
(1)
8,282.09
64.02%
64.02%
911000007109329615
293
2018
43
43.2
(2)
2018 2017
12,046 13,349
80,833 33,436
(83,625) (34,739)
9,254 12,046
2018 2017
(259) (341)
2018 12 31
185.11 2017 12 31 85.60
30 2018 7.01
2017 2.59
(3)
294
2018
43
43.2
(3)
2018 2017
12 31 12 31
19,184 31,663
98,754 76,983
375,075 326,238
10,874 4,795
32,275 10,825
(164,636) (143,803)
(124,456) (117,432)
(6,434) (8,620)
12,159 8,683
2018 2017
12,709 14,368
(6,499) (4,409)
2018 2017
12 31 12 31
0.00%–8.20% 0.00%–5.50%
-0.10%–8.00% -0.25%–8.50%
0.00%–6.20% 0.00%–6.20%
1.45%–6.18% 1.04%–5.51%
0.00%–6.10% 0.00%–6.10%
-0.10%–9.50% 0.00%–9.50%
295
2018
43
43.3
43.4
2018 2017
12 31 12 31
763 2,823
(4,709) (9,326)
43 957
2018 2017
22 15
(204) (193)
296
2018
43
43.4
% %
91310000736650364G 37.14 37.14 2,500
297
91210800121119657C 8.86 8.86 20,000
91340202MA2N9TTA6R 25.50 25.50
91110000717827478Q 20.00 20.00 100
80.00 (1) 0.0025
91340202MA2MU5438W 49.00 49.00
91510500711880825C 16.44 16.44 1,568
Wkland Investments II Limited 50.00 50.00 0.00002
91440000564568961E 40.00 40.00 1,578
(1)
2018
43
43.5
2018
2017
43.6
2018 2017
2018 2017
2018 2017
(1)
9 13
1 1
10 14
(1) 2018
2018
43.7
2018 12 31
1.68 2017 12 31
1.38
0.21 2017 12 31
0.05
298
2018
43
43.8
2018 2017
12 31 12 31
44,911 30,932
127,644 90,913
(87,797) (112,859)
(76,215) (86,316)
2018 2017
1,465 954
(2,825) (2,119)
299
2018
43
43.8
% %
(1)
2001 9 12 34,806 100.00 100.00
(3)
1998 7 10 3,539 100.00 100.00
1992 7 23 3,749 100.00 100.00
1993 5 18 34,052 100.00 100.00
1942 1,000 50.31 50.31
2007 9 24 250 100.00 100.00
2005 1 5 4,535 100.00 100.00
2017 11 16 10,000 100.00 100.00
(2)
2001 9 12 52,864 66.06 66.06
(3)
1964 10 16 43,043 66.06 100.00
1980 9 9 480 66.06 100.00
(3)
1997 12 1 200 77.60 100.00
(2)
1993 11 25 1,158 70.00 70.00
300
2018
43
43.8
(1)
(2)
(3)
66% 34% 66.06% 100%
44
301
2018
44
302
2018
44
2018 12 31 2018
587,134 50,368 38,798 89,166 48,106 (36,506) 687,900
(283,189) (18,318) (32,017) (50,335) (31,176) 36,506 (328,194)
303,945 32,050 6,781 38,831 16,930 – 359,706
77,836 12,612 6,691 19,303 6,169 (3,311) 99,997
(7,642) (3,559) (1,661) (5,220) (1,802) 1,875 (12,789)
70,194 9,053 5,030 14,083 4,367 (1,436) 87,208
(83) 2,322 2,444 4,766 2,036 – 6,719
2,859 17 (69) (52) 10 – 2,817
303
(1)
16,129 14,600 17,746 32,346 234 (1,353) 47,356
393,044 58,042 31,932 89,974 23,577 (2,789) 503,806
(1)
(131,958) (23,322) (16,634) (39,956) (6,967) 1,902 (176,979)
(98,872) (1,048) (66) (1,114) 692 – (99,294)
162,214 33,672 15,232 48,904 17,302 (887) 227,533
10 (12) 2,112 2,100 – – 2,110
162,224 33,660 17,344 51,004 17,302 (887) 229,643
(37,208)
192,435
16,925,075 2,553,366 1,627,527 4,180,893 2,009,680 (1,871,742) 21,243,906
7,231 164 15,974 16,138 – – 23,369
16,932,306 2,553,530 1,643,501 4,197,031 2,009,680 (1,871,742) 21,267,275
(2)
100,098 27,719 143,779 171,498 5,837 (161) 277,272
15,625,811 2,332,126 1,512,393 3,844,519 1,943,129 (1,871,581) 19,541,878
(10,009) 2,066 13,534 15,600 (5,591) – –
48 69 1,555 1,624 (236) (1,436) –
10,511 1,042 29,798 30,840 513 – 41,864
11,175 1,036 4,449 5,485 383 – 17,043
3,519,912 278,653 102,467 381,120 462,753 (370,774) 3,993,011
2018
44
2017 12 31 2017
540,129 43,236 30,242 73,478 37,780 (28,771) 622,616
(255,199) (12,791) (22,942) (35,733) (22,066) 28,771 (284,227)
284,930 30,445 7,300 37,745 15,714 – 338,389
77,928 12,994 6,967 19,961 6,161 (3,250) 100,800
(7,200) (3,356) (1,532) (4,888) (1,825) 1,804 (12,109)
70,728 9,638 5,435 15,073 4,336 (1,446) 88,691
(4,820) 2,419 1,704 4,123 2,383 – 1,686
821 980 597 1,577 8 – 2,406
(1)
19,045 17,820 18,808 36,628 129 (3,213) 52,589
304
370,704 61,302 33,844 95,146 22,570 (4,659) 483,761
(1)
(126,351) (26,649) (16,523) (43,172) (6,265) 1,929 (173,859)
(85,286) (926) (796) (1,722) (1,153) – (88,161)
159,067 33,727 16,525 50,252 15,152 (2,730) 221,741
– 14 1,148 1,162 – – 1,162
159,067 33,741 17,673 51,414 15,152 (2,730) 222,903
(37,917)
184,986
15,503,377 2,181,757 1,335,266 3,517,023 1,911,087 (1,481,243) 19,450,244
159 168 16,853 17,021 – – 17,180
15,503,536 2,181,925 1,352,119 3,534,044 1,911,087 (1,481,243) 19,467,424
(2)
100,449 25,340 121,829 147,169 5,590 (161) 253,047
14,285,717 2,001,454 1,234,264 3,235,718 1,850,392 (1,481,082) 17,890,745
(9,245) 1,657 11,820 13,477 (4,232) – –
261 34 1,529 1,563 (378) (1,446) –
14,084 1,281 30,090 31,371 467 – 45,922
11,467 1,059 3,907 4,966 336 – 16,769
3,412,867 293,376 124,563 417,939 461,310 (421,484) 3,870,632
(1)
(2)
2018
44
2018 12 31 2018
344,483 215,904 203,012 1,700 2,731 3,147 (83,077) 687,900
(166,474) (93,535) (145,573) (520) (39) (5,130) 83,077 (328,194)
178,009 122,369 57,439 1,180 2,692 (1,983) – 359,706
30,556 48,729 16,691 4,419 2 1,901 (2,301) 99,997
(1,238) (6,923) (1,886) (1,224) (3,369) (125) 1,976 (12,789)
29,318 41,806 14,805 3,195 (3,367) 1,776 (325) 87,208
2,498 901 2,746 304 (1,586) 1,798 58 6,719
923 142 1,705 – 48 (1) – 2,817
617 8,313 764 235 22,823 17,250 (2,646) 47,356
305
211,365 173,531 77,459 4,914 20,610 18,840 (2,913) 503,806
(58,987) (71,483) (17,456) (2,949) (19,448) (9,569) 2,913 (176,979)
(88,871) (8,751) (1,348) 1 (20) (305) – (99,294)
63,507 93,297 58,655 1,966 1,142 8,966 – 227,533
– 63 3 375 (157) 1,896 (70) 2,110
63,507 93,360 58,658 2,341 985 10,862 (70) 229,643
(37,208)
192,435
7,628,839 4,438,581 8,629,971 65,239 149,592 423,944 (92,260) 21,243,906
– 143 – 4,690 – 18,622 (86) 23,369
7,628,839 4,438,724 8,629,971 69,929 149,592 442,566 (92,346) 21,267,275
9,435,725 6,218,896 3,574,230 50,915 134,988 219,223 (92,099) 19,541,878
36,820 43,889 (79,778) 161 54 (1,146) – –
506 1,362 95 (403) (1,493) 258 (325) –
3,263 3,618 178 130 81 34,594 – 41,864
4,765 6,023 1,622 121 91 4,421 – 17,043
2,859,851 1,133,160 – – – – – 3,993,011
2018
44
2017 12 31 2017
308,532 200,836 190,248 1,216 3,064 818 (82,098) 622,616
(143,490) (90,434) (128,679) (328) (64) (3,330) 82,098 (284,227)
165,042 110,402 61,569 888 3,000 (2,512) – 338,389
38,737 44,549 13,865 4,495 – 1,210 (2,056) 100,800
(2,790) (5,262) (1,760) (1,095) (2,863) (66) 1,727 (12,109)
35,947 39,287 12,105 3,400 (2,863) 1,144 (329) 88,691
1,563 946 (3,487) 373 1,872 346 73 1,686
18 3 1,235 122 671 357 – 2,406
306
1,939 8,559 1,123 235 23,924 19,483 (2,674) 52,589
204,509 159,197 72,545 5,018 26,604 18,818 (2,930) 483,761
(55,405) (69,065) (16,605) (2,374) (24,900) (8,440) 2,930 (173,859)
(75,093) (9,147) (3,064) (4) (7) (846) – (88,161)
74,011 80,985 52,876 2,640 1,697 9,532 – 221,741
– – – 465 (34) 784 (53) 1,162
74,011 80,985 52,876 3,105 1,663 10,316 (53) 222,903
(37,917)
184,986
7,139,973 3,954,150 7,908,168 66,050 139,945 325,825 (83,867) 19,450,244
– – – 4,449 – 12,799 (68) 17,180
7,139,973 3,954,150 7,908,168 70,499 139,945 338,624 (83,935) 19,467,424
8,846,697 5,826,209 2,960,947 53,067 125,765 161,766 (83,706) 17,890,745
27,889 53,019 (80,159) – 54 (803) – –
203 810 105 (385) (1,274) 870 (329) –
4,266 4,719 226 129 141 36,441 – 45,922
4,894 6,225 1,525 94 113 3,918 – 16,769
2,869,323 1,001,309 – – – – – 3,870,632
2018
45
2018 12 31 2017 12 31
108,146 104,434 59,494 58,333
307
2018
45
2018
12 31 12.73 2017 12 31 17.17
430.80 2017
357.69 2018 12 31
96.39 2017 12 31 57.68
308
2018
46
46.1
2018 12 31
11,572.01 2017 12 31 11,577.36
7,627.25 2017 12 31
8,024.05
2018 90.41
2017 112.47
2018 12 31
2018
1,223.22 2017
310.49
2018 12 31 1,070.00 2017 12 31
310.49
2018
1.63 2017 158.74
45
309
2018
46
46.1
2018 12 31
39,237 – – 39,237 39,237
2,420 – 8,561 10,981 10,981
759 49,195 48,613 98,567 98,567
2017 12 31
8,408 26,439 – – 34,847 34,847
– 15,000 – – 15,000 15,000
316 – – 7,134 7,450 7,450
2,014 35,525 33,469 1,307 72,315 72,315
46.2
310
2018
47
*
2018 12 31
42,257 – 42,257 (25,990) (2,891) 13,376
4,350 – 4,350 (4,350) – –
11,727 (8,072) 3,655 – – 3,655
58,334 (8,072) 50,262 (30,340) (2,891) 17,031
2017 12 31
35,854 – 35,854 (24,687) (3,726) 7,441
9,616 – 9,616 (9,616) – –
14,572 (8,814) 5,758 – – 5,758
60,042 (8,814) 51,228 (34,303) (3,726) 13,199
*
2018 12 31
40,691 – 40,691 (25,976) (2,029) 12,686
22,446 – 22,446 (22,446) – –
8,681 (8,072) 609 – – 609
71,818 (8,072) 63,746 (48,422) (2,029) 13,295
2017 12 31
32,508 – 32,508 (24,439) (619) 7,450
12,086 – 12,086 (12,086) – –
9,416 (8,814) 602 – – 602
54,010 (8,814) 45,196 (36,525) (619) 8,052
*
311
2018
47
312
2018
48
48.1
2018 2017
12 31 12 31
413,600 513,836
1,958,832 2,129,262
1,099,001 585,638
8,060 7,141
175,333 166,687
96,497 72,055
10,157,694 9,443,898
4,221,661 3,733,316
225,230 109,022
1,316,998
2,679,433
1,193,010
2,028,333
402,951
111,884 106,404
7,317 226
127,192 140,000
82,440 83,439
2,002 2,025
38,208 47,933
43,312 134,019
18,543,033 17,165,879
313
2018
48
48.1
2018 2017
12 31 12 31
1,721,071 1,476,244
847,493 973,120
8,237 7,462
586,749 537,448
2,642 6,231
74,855 89,647
12,999,376 11,981,597
704,886 423,485
23,826 28,413
2,825 3,027
121 113
126,520 281,662
17,098,601 15,808,449
294,388 294,388
99,714 99,714
138,832 138,832
8,596 (21,282)
154,313 138,275
222,462 200,022
526,127 507,481
1,444,432 1,357,430
18,543,033 17,165,879
2019 3 29
314
2018
48
48.2
2017 12 31 294,388 99,714 138,832 (21,282) 138,275 200,022 507,481 1,357,430
IFRS 9 – – – 11,380 – – (43,672) (32,292)
315
2018 1 1 294,388 99,714 138,832 (9,902) 138,275 200,022 463,809 1,325,138
– – – 18,437 – – 159,460 177,897
– – – – 16,038 – (16,038) –
– – – – – 22,440 (22,440) –
– – – – – – (58,603) (58,603)
– – – 61 – – (61) –
2018 12 31 294,388 99,714 138,832 8,596 154,313 222,462 526,127 1,444,432
2018
48
48.2
2017 1 1 294,388 99,714 138,832 (4,441) 122,975 186,640 440,902 1,279,010
316
– – – (16,841) – – 151,472 134,631
– – – – 15,300 – (15,300) –
– – – – – 13,382 (13,382) –
– – – – – – (56,211) (56,211)
2017 12 31 294,388 99,714 138,832 (21,282) 138,275 200,022 507,481 1,357,430
2018
49
2018 12
4
2019 1 21
2019 1 25
2019 3 13 5.5%
15.40
2019 1 25 400
4.50% 2019 1 29
317
2018
1
2
3
318
2018
3
3.1
(1)
319
2018
3
3.1
(1)
PD PD
A B C D AAA AA
A BBB+ BBB BBB- BB+ BB BB- B+ B- CCC CC C D
D
320
2018
3
3.1
(2)
2008
(3)
3.2
321
2018
3
3.2
(1)
(i)
(1) (2) (3)
(ii)
322
2018
3
3.2
(2)
(i)
95%
90%
85%
50%
70%
70%
50%
323
2018
3
3.2
(2)
(i)
41.3
(ii)
3.3
4.6
324
2018
3
3.4
2018 2017
12 31 12 31
363,176 485,057
2,331,053 2,227,614
1,042,358 575,399
145,010 129,350
124,126 94,912
11,515,764 10,644,304
279,472 173,892
1,862,232
2,804,301
1,788,517
2,089,864
414,025
88,012 189,328
20,555,504 18,812,262
1,070,825 1,079,178
2,922,186 2,791,454
3,993,011 3,870,632
24,548,515 22,682,894
325
2018
3
3.4
2018 2017 12 31
2018 12 31 46.91%
2017 12 31 46.93% 20.09% 2017 12 31
19.58%
326
2018
3
3.5
(1)
(i)
2018 12 31 2017 12 31
9,273,549 78.67% 8,583,185 78.77%
1,515,844 12.86% 1,339,149 12.29%
998,290 8.47% 974,224 8.94%
11,787,683 100.00% 10,896,558 100.00%
2018 12 31 2017 12 31
1,456,249 15.70% 1,364,869 15.90%
501,420 5.41% 517,581 6.03%
3,622,159 39.06% 3,362,753 39.18%
2,499,434 26.95% 2,242,985 26.13%
1,194,287 12.88% 1,094,997 12.76%
9,273,549 100.00% 8,583,185 100.00%
327
2018
3
3.5
(1)
(ii)
2018 12 31
778,907 95,793 128,916 1,003,616
4,559,625 964,102 820,255 6,343,982
3,935,017 455,949 49,119 4,440,085
9,273,549 1,515,844 998,290 11,787,683
2017 12 31
652,115 107,817 104,817 864,749
4,448,138 828,592 831,222 6,107,952
3,482,932 402,740 38,185 3,923,857
8,583,185 1,339,149 974,224 10,896,558
328
2018
3
3.5
(1)
(iii)
2018 12 31 2017 12 31
1,674,340 14.21% 1,685,179 15.46%
1,516,354 12.86% 1,557,095 14.29%
1,182,411 10.03% 1,056,755 9.70%
915,793 7.77% 820,922 7.53%
648,849 5.50% 599,896 5.51%
398,478 3.38% 285,598 2.62%
320,369 2.72% 338,316 3.10%
239,397 2.03% 207,201 1.90%
167,811 1.42% 160,941 1.48%
125,917 1.07% 117,419 1.08%
157,879 1.34% 143,379 1.32%
7,347,598 62.33% 6,972,701 63.99%
3,503,563 29.72% 3,061,553 28.10%
426,338 3.62% 374,297 3.43%
510,184 4.33% 488,007 4.48%
4,440,085 37.67% 3,923,857 36.01%
11,787,683 100.00% 10,896,558 100.00%
329
2018
3
3.5
(1)
(iii)
2018 12 31 2017 12 31
1,296,509 13.98% 1,371,246 15.98%
1,130,498 12.19% 1,140,012 13.28%
1,009,087 10.88% 918,214 10.70%
469,358 5.06% 402,693 4.69%
504,348 5.44% 487,941 5.68%
253,212 2.73% 145,652 1.70%
178,471 1.92% 172,973 2.01%
200,982 2.17% 173,373 2.02%
157,594 1.70% 149,964 1.75%
107,201 1.16% 105,675 1.23%
31,272 0.34% 32,510 0.38%
5,338,532 57.57% 5,100,253 59.42%
3,154,164 34.01% 2,750,946 32.05%
411,145 4.43% 360,699 4.20%
369,708 3.99% 371,287 4.33%
3,935,017 42.43% 3,482,932 40.58%
9,273,549 100.00% 8,583,185 100.00%
330
2018
3
3.5
(1)
(iv)
2018 12 31 2017 12 31
3,636,400 30.84% 3,447,319 31.64%
1,837,442 15.59% 1,971,535 18.09%
5,082,489 43.12% 4,410,349 40.47%
1,231,352 10.45% 1,067,355 9.80%
11,787,683 100.00% 10,896,558 100.00%
2018 12 31 2017 12 31
2,585,343 27.88% 2,418,477 28.18%
1,417,321 15.28% 1,619,202 18.86%
4,388,094 47.32% 3,755,618 43.76%
882,791 9.52% 789,888 9.20%
9,273,549 100.00% 8,583,185 100.00%
331
2018
3
3.5
(2)
2018 2017 2018 2017
12 31 12 31 12 31 12 31
7,164,061 6,811,112 5,170,326 4,945,580
44,429 31,630 32,785 28,085
139,108 129,959 135,421 126,588
7,347,598 6,972,701 5,338,532 5,100,253
4,384,415 3,870,737 3,884,678 3,433,749
27,826 25,197 22,982 21,563
27,844 27,923 27,357 27,620
4,440,085 3,923,857 3,935,017 3,482,932
11,787,683 10,896,558 9,273,549 8,583,185
332
2018
3
3.5
(2)
(i)
3.1
2018 12 31 2017 12 31
6,889,911 274,150 7,164,061 6,549,415 261,697 6,811,112
4,383,286 1,129 4,384,415 3,868,720 2,017 3,870,737
11,273,197 275,279 11,548,476 10,418,135 263,714 10,681,849
2018 12 31 2017 12 31
4,934,008 236,318 5,170,326 4,705,978 239,602 4,945,580
3,884,412 266 3,884,678 3,433,452 297 3,433,749
8,818,420 236,584 9,055,004 8,139,430 239,899 8,379,329
333
2018
3
3.5
(2)
(ii)
1 1–3 3
2018 12 31
35,031 9,398 – 44,429
16,350 11,476 – 27,826
51,381 20,874 – 72,255
2017 12 31
21,934 9,572 124 31,630
14,727 10,457 13 25,197
36,661 20,029 137 56,827
334
2018
3
3.5
(2)
(ii)
1 1–3 3
2018 12 31
27,577 5,208 – 32,785
12,089 10,893 – 22,982
39,666 16,101 – 55,767
2017 12 31
18,715 9,370 – 28,085
11,941 9,622 – 21,563
30,656 18,992 – 49,648
3
335
2018
3
3.5
(2)
(iii)
(a)
2018 12 31 2017 12 31
162,778 97.50% 1.76% 154,208 97.67% 1.80%
2,720 1.63% 0.18% 1,813 1.15% 0.14%
1,454 0.87% 0.15% 1,861 1.18% 0.19%
166,952 100.00% 1.42% 157,882 100.00% 1.45%
2018 12 31 2017 12 31
23,053 14.16% 1.58% 28,244 18.31% 2.07%
40,580 24.93% 8.09% 32,565 21.12% 6.29%
56,423 34.66% 1.56% 55,365 35.90% 1.65%
28,114 17.28% 1.12% 24,948 16.18% 1.11%
14,608 8.97% 1.22% 13,086 8.49% 1.20%
162,778 100.00% 1.76% 154,208 100.00% 1.80%
336
2018
3
3.5
(2)
(iii)
(b)
2018 12 31 2017 12 31
139,108 83.32% 1.89% 129,959 82.31% 1.86%
27,844 16.68% 0.63% 27,923 17.69% 0.71%
166,952 100.00% 1.42% 157,882 100.00% 1.45%
2018 12 31 2017 12 31
135,421 83.19% 2.54% 126,588 82.09% 2.48%
27,357 16.81% 0.70% 27,620 17.91% 0.79%
162,778 100.00% 1.76% 154,208 100.00% 1.80%
337
2018
3
3.5
(2)
(iii)
(c)
2018 12 31 2017 12 31
70,092 41.98% 5.41% 66,281 41.98% 4.83%
38,579 23.11% 3.41% 30,957 19.61% 2.72%
7,453 4.46% 0.74% 8,518 5.40% 0.93%
4,370 2.62% 0.93% 5,624 3.56% 1.40%
1,952 1.17% 0.39% 1,833 1.16% 0.38%
127 0.08% 0.05% 196 0.12% 0.13%
5,494 3.29% 3.08% 6,065 3.84% 3.51%
2,423 1.45% 1.21% 2,872 1.82% 1.66%
1,223 0.73% 0.78% 329 0.21% 0.22%
159 0.10% 0.15% 242 0.15% 0.23%
3,549 2.13% 11.35% 3,671 2.33% 11.29%
135,421 81.12% 2.54% 126,588 80.18% 2.48%
10,225 6.12% 0.32% 9,700 6.14% 0.35%
9,636 5.77% 2.34% 9,154 5.80% 2.54%
7,496 4.49% 2.03% 8,766 5.55% 2.36%
27,357 16.38% 0.70% 27,620 17.49% 0.79%
162,778 97.50% 1.76% 154,208 97.67% 1.80%
4,174 2.50% 0.17% 3,674 2.33% 0.16%
166,952 100.00% 1.42% 157,882 100.00% 1.45%
338
2018
3
3.5
(2)
(iii)
(d)
2018 12 31
162,778 (128,714) 34,064
2,720 (1,407) 1,313
1,454 (995) 459
166,952 (131,116) 35,836
2017 12 31
154,208 (105,682) 48,526
1,813 (991) 822
1,861 (1,209) 652
157,882 (107,882) 50,000
339
2018
3
3.5
(2)
(iii)
(e)
2018 2017 2018 2017
12 31 12 31 12 31 12 31
88,150 78,987 86,343 77,719
50,958 50,972 49,078 48,869
139,108 129,959 135,421 126,588
48,353 37,501 45,404 35,975
340
2018
3
3.5
(3)
6
2018 2017 12 31
2018 2017 12 31 90
341
2018
3
3.5
(4)
(i)
1 91 361
90 360 3 3
2018 12 31
11,682 16,415 7,353 2,016 37,466
18,927 30,269 25,358 5,098 79,652
32,036 21,596 17,810 4,101 75,543
22,109 2,209 1,882 1,090 27,290
84,754 70,489 52,403 12,305 219,951
2017 12 31
11,986 11,716 6,678 2,087 32,467
28,988 26,042 31,416 4,674 91,120
28,583 19,443 19,300 6,986 74,312
1,799 956 1,549 639 4,943
71,356 58,157 58,943 14,386 202,842
342
2018
3
3.5
(4)
(i)
1 91 361
90 360 3 3
2018 12 31
8,867 15,652 6,875 1,994 33,388
15,425 30,202 25,072 5,062 75,761
25,972 21,476 17,203 4,088 68,739
17,865 2,063 1,795 1,028 22,751
68,129 69,393 50,945 12,172 200,639
2017 12 31
9,277 11,220 6,570 2,083 29,150
28,540 25,985 30,836 4,656 90,017
24,922 19,153 19,140 6,978 70,193
1,150 748 1,231 589 3,718
63,889 57,106 57,777 14,306 193,078
343
2018
3
3.5
(4)
(ii)
2018 2017
12 31 12 31
200,639 193,078
7,972 5,773
11,340 3,991
219,951 202,842
1.87% 1.86%
3 (84,754) (71,356)
3 135,197 131,486
(5)
2018 12 31
12
11,183,826 91,017 6 11,274,849
– 342,358 5 342,363
– – 49,788 49,788
– – 49,341 49,341
– – 67,812 67,812
11,183,826 433,375 166,952 11,784,153
3.6
2018 12 31
13 15 A
344
2018
3
3.7
A A
2018 12 31
3,965 2,650,164 – 2,654,129
84,364 – – 84,364
– 484,992 – 484,992
88,468 179,041 229,166 496,675
64,555 102,771 24,364 191,690
153,627 – – 153,627
394,979 3,416,968 253,530 4,065,477
59 355,291 11,252 366,602
51,915 56,824 – 108,739
3,022 129,934 41,763 174,719
10,824 117,569 24,663 153,056
65,820 659,618 77,678 803,116
460,799 4,076,586 331,208 4,868,593
2017 12 31
– 2,403,536 – 2,403,536
64,016 – – 64,016
– 519,245 – 519,245
86,721 142,150 93,956 322,827
62,149 106,092 20,570 188,811
158,806 – – 158,806
371,692 3,171,023 114,526 3,657,241
– 370,423 6,773 377,196
39,951 52,064 196 92,211
3,910 147,742 39,669 191,321
10,661 84,541 19,962 115,164
54,522 654,770 66,600 775,892
426,214 3,825,793 181,126 4,433,133
345
2018
3
3.7
2018 12 31
12
420,982 414 – 421,396
A 3,905,218 158 – 3,905,376
A 269,793 1,180 – 270,973
4,595,993 1,752 – 4,597,745
3.8
2018 2017
12 31 12 31
54,280 70,498
2,888 4,228
233 314
3,334 3,343
60,735 78,383
51,107 92,338
10,220 1,573
122,062 172,294
3.9
22
346
2018
4
4.1
4.2
(1)
347
2018
4
4.2
(1)
99%
1%
1
2018 2017
2018 2017
17.26 23.85 12.24 14.54 17.58 9.61
10.19 17.66 4.99 10.67 17.70 6.12
0.38 0.71 0.11 0.35 1.21 0.11
1.14 5.55 0.13 1.25 3.92 0.14
19.87 26.28 13.92 17.44 23.89 12.43
348
2018
4
4.2
(1)
2018 2017
2018 2017
3.37 5.50 1.65 5.70 10.61 2.47
2.30 3.45 1.37 4.00 6.97 1.60
0.20 0.90 0.03 0.33 0.75 0.09
0.40 1.24 0.11 0.16 0.26 0.07
4.21 5.84 3.07 6.39 10.43 3.47
(i)
0.64 2.04 0.16 0.94 1.48 0.50
1.25 1.86 0.65 1.17 2.40 0.63
0.29 0.52 0.17 0.32 0.65 0.08
2.18 3.85 1.24 2.43 3.58 1.53
(i)
349
2018
4
4.2
(1)
(2)
4.3
350
2018
4
4.2
(2)
25
2018 2017
12 31 12 31
25 (4,136) (4,193)
25 4,136 4,193
25
137.33 2017 122.79
351
2018
4
4.3
2018 12 31
1 1 3 1
3 1 5 5
211,195 29,873 115,397 3,356 – 80,110 439,931
2,113,231 2,085 619 – – 215,118 2,331,053
668,153 98,129 225,933 45,694 – 4,449 1,042,358
– – – – – 124,126 124,126
352
3,146,270 2,145,073 5,613,781 119,794 53,241 437,605 11,515,764
19,425 37,327 75,423 44,898 96,195 97,223 370,491
112,091 172,122 406,442 789,385 360,876 38,843 1,879,759
14,863 83,459 283,575 1,605,967 777,123 39,314 2,804,301
5,188 – – – 3,661 750,643 759,492
6,290,416 2,568,068 6,721,170 2,609,094 1,291,096 1,787,431 21,267,275
1,011,125 313,145 181,766 49,045 – 176,128 1,731,209
275,905 156,600 456,671 8,071 – 10,274 907,521
428,797 122,663 57,583 1,417 – 1,807 612,267
– – – – – 99,254 99,254
8,515,651 1,354,989 2,668,074 1,960,185 105 384,592 14,883,596
91,311 157,934 179,233 311,777 35,125 6,747 782,127
17,849 24,535 1,560 2,515 5,246 474,199 525,904
10,340,638 2,129,866 3,544,887 2,333,010 40,476 1,153,001 19,541,878
(4,050,222) 438,202 3,176,283 276,084 1,250,620 634,430 1,725,397
2018
4
4.3
2017 12 31
1 1 3 1
3 1 5 5
259,468 74,565 147,376 1,880 – 77,174 560,463
2,047,762 457 1,586 – – 177,809 2,227,614
196,566 95,641 207,146 76,046 – – 575,399
– – – – – 94,912 94,912
2,869,571 2,142,963 5,139,321 84,639 48,280 359,530 10,644,304
353
19,498 44,177 57,501 19,681 33,035 19,719 193,611
111,201 174,862 306,200 774,190 418,807 71,962 1,857,222
28,562 57,433 196,795 1,234,167 572,907 – 2,089,864
4,708 3,827 12,448 253,350 137,293 2,399 414,025
4,108 1,444 123 – 1,145 803,190 810,010
5,541,444 2,595,369 6,068,496 2,443,953 1,211,467 1,606,695 19,467,424
839,840 205,871 149,615 68,320 – 161,616 1,425,262
385,348 131,064 510,280 9,087 – 18 1,035,797
375,004 74,776 49,871 441 – – 500,092
– – – – – 111,095 111,095
7,947,067 1,332,278 2,443,803 1,711,282 37,795 185,699 13,657,924
67,225 72,688 40,302 284,818 34,095 – 499,128
21,734 19,221 8,002 5,163 1,807 605,520 661,447
9,636,218 1,835,898 3,201,873 2,079,111 73,697 1,063,948 17,890,745
(4,094,774) 759,471 2,866,623 364,842 1,137,770 542,747 1,576,679
2018
4
4.4
4.2
*
2018 2017 2018 2017
12 31 12 31 12 31 12 31
+1% 521 536 527 351
+1% (338) (410) 2,199 2,067
*
1%
354
2018
4
4.4
2018 2017 12 31
2018 12 31
308,697 79,058 17,818 6,442 5,694 1,575 20,647 439,931
1,855,438 280,029 40,625 39,770 36,838 47,950 30,403 2,331,053
878,861 93,903 30,994 7,636 3,094 283 27,587 1,042,358
67,601 17,913 29,945 621 37 5,237 2,772 124,126
355
8,830,692 1,146,207 923,070 201,731 12,637 65,563 335,864 11,515,764
238,495 56,988 72,981 2,011 – 16 – 370,491
1,191,739 453,918 116,376 30,629 8,573 3,023 75,501 1,879,759
2,548,402 229,300 3,496 3,450 746 1,456 17,451 2,804,301
213,438 148,481 185,113 568 1,244 2,097 208,551 759,492
16,133,363 2,505,797 1,420,418 292,858 68,863 127,200 718,776 21,267,275
1,060,308 404,757 34,551 40,090 14,270 7,049 170,184 1,731,209
628,327 246,540 26,758 5,461 – 434 1 907,521
266,692 271,303 39,642 12,669 11,242 5,411 5,308 612,267
50,554 14,104 26,366 678 46 5,059 2,447 99,254
11,256,454 1,716,821 1,202,357 194,439 58,478 46,334 408,713 14,883,596
447,679 252,059 6,682 48,465 1,852 9,793 15,597 782,127
191,501 84,330 230,918 2,327 480 1,323 15,025 525,904
13,901,515 2,989,914 1,567,274 304,129 86,368 75,403 617,275 19,541,878
2,231,848 (484,117) (146,856) (11,271) (17,505) 51,797 101,501 1,725,397
(795,575) 520,806 355,983 21,144 19,415 (49,526) (40,626) 31,621
2,715,693 794,823 223,494 111,092 10,425 44,054 93,430 3,993,011
2018
4
4.4
2017 12 31
368,772 142,024 13,599 7,326 5,961 6,074 16,707 560,463
1,810,377 248,995 4,357 31,240 49,485 50,286 32,874 2,227,614
388,211 114,812 23,750 9,034 2,462 90 37,040 575,399
44,950 8,065 31,285 749 40 4,895 4,928 94,912
8,101,830 1,157,714 794,625 217,660 7,962 50,856 313,657 10,644,304
356
109,406 55,073 26,513 1,133 1,043 429 14 193,611
1,080,354 449,628 154,809 33,545 63,946 5,944 68,996 1,857,222
1,935,833 138,678 3,627 1,693 696 1,196 8,141 2,089,864
405,080 1,960 419 – – – 6,566 414,025
298,863 135,600 175,535 1,354 1,102 1,546 196,010 810,010
14,543,676 2,452,549 1,228,519 303,734 132,697 121,316 684,933 19,467,424
855,661 329,466 30,276 35,616 12,779 7,301 154,163 1,425,262
779,483 231,585 16,865 4,514 – 571 2,779 1,035,797
290,531 150,748 6,974 10,720 17,110 16,789 7,220 500,092
70,458 1,690 30,131 800 35 4,932 3,049 111,095
10,236,329 1,614,422 1,079,702 192,313 64,989 55,956 414,213 13,657,924
222,119 208,402 786 38,006 – 20,318 9,497 499,128
347,577 82,908 213,516 1,497 445 1,261 14,243 661,447
12,802,158 2,619,221 1,378,250 283,466 95,358 107,128 605,164 17,890,745
1,741,518 (166,672) (149,731) 20,268 37,339 14,188 79,769 1,576,679
(420,313) 195,069 319,073 (11,672) (36,371) (12,165) (40,135) (6,514)
2,556,398 811,938 245,575 107,154 10,050 44,472 95,045 3,870,632
2018
5
5.1
357
2018
5
5.2
2018 12 31
1 1 3 1
3 1 5 5
21 178,645 110,908 30,365 116,636 3,356 – 439,931
1,588,770 511,244 216,281 2,087 12,329 342 – 2,331,053
44 – 659,399 92,855 231,633 58,427 – 1,042,358
– 10,055 22,259 30,528 38,686 18,634 3,964 124,126
358
69,539 154,707 397,574 1,086,838 2,478,055 3,036,778 4,292,273 11,515,764
93,524 – 16,772 32,788 71,133 52,863 103,411 370,491
16,456 – 71,630 120,021 428,041 870,105 373,506 1,879,759
2,001 – 15,328 78,810 306,782 1,623,516 777,864 2,804,301
301,633 338,223 22,683 7,554 18,968 50,792 19,639 759,492
2,071,988 1,192,874 1,532,834 1,481,846 3,702,263 5,714,813 5,570,657 21,267,275
– 1,038,168 143,392 314,126 186,252 49,271 – 1,731,209
– 172,280 104,114 157,466 465,590 8,071 – 907,521
– – 429,492 123,223 58,135 1,417 – 612,267
– 7,314 19,861 18,267 33,305 17,434 3,073 99,254
– 7,368,721 1,405,144 1,349,078 2,740,128 2,010,860 9,665 14,883,596
– – 45,983 99,061 196,535 323,057 117,491 782,127
– 276,288 36,307 12,145 76,623 66,329 58,212 525,904
– 8,862,771 2,184,293 2,073,366 3,756,568 2,476,439 188,441 19,541,878
2,071,988 (7,669,897) (651,459) (591,520) (54,305) 3,238,374 5,382,216 1,725,397
2018
5
5.2
2017 12 31
1 1 3 1
3 1 5 5
21 167,943 168,678 74,565 147,376 1,880 – 560,463
1,754,965 429,424 15,003 6,735 21,487 – – 2,227,614
– – 186,151 90,770 213,567 84,854 57 575,399
– 8,791 16,222 19,854 36,575 10,449 3,021 94,912
75,194 109,153 356,974 1,042,606 2,569,551 2,797,082 3,693,744 10,644,304
359
19,853 – 18,738 42,528 54,336 25,002 33,154 193,611
85,346 – 74,857 117,797 314,233 839,773 425,216 1,857,222
– – 26,361 43,894 189,622 1,242,694 587,293 2,089,864
2,399 – 4,659 2,981 10,749 252,602 140,635 414,025
276,194 301,560 46,920 42,772 65,593 58,666 18,305 810,010
2,213,972 1,016,871 914,563 1,484,502 3,623,089 5,313,002 4,901,425 19,467,424
– 804,976 188,365 204,621 156,040 71,260 – 1,425,262
– 180,088 205,278 131,064 510,280 9,087 – 1,035,797
– – 375,004 74,776 49,871 441 – 500,092
– 5,574 19,442 25,130 49,274 9,323 2,352 111,095
– 6,664,703 1,413,948 1,287,316 2,493,635 1,758,935 39,387 13,657,924
– – 45,773 41,671 42,755 333,211 35,718 499,128
– 241,472 95,985 32,134 157,326 79,793 54,737 661,447
– 7,896,813 2,343,795 1,796,712 3,459,181 2,262,050 132,194 17,890,745
2,213,972 (6,879,942) (1,429,232) (312,210) 163,908 3,050,952 4,769,231 1,576,679
2018
5
5.3
2018 12 31
1 1 3 1
3 1 5 5
21 178,651 111,218 30,532 118,297 3,696 – 442,415
1,588,770 511,244 216,643 2,099 12,329 342 – 2,331,427
48 – 660,424 95,839 238,102 60,246 – 1,054,659
71,503 154,728 420,408 1,162,609 2,787,330 4,105,071 6,109,473 14,811,122
93,562 – 16,818 33,180 76,304 75,588 139,717 435,169
16,496 – 72,228 121,707 459,033 986,895 433,630 2,089,989
2,032 – 15,587 82,033 356,737 1,853,204 897,790 3,207,383
763 148,184 13,867 926 3,930 210 4,740 172,620
1,773,195 992,807 1,527,193 1,528,925 4,052,062 7,085,252 7,585,350 24,544,784
– 1,038,230 143,665 315,386 187,753 52,826 – 1,737,860
– 172,289 104,338 158,161 470,743 8,716 – 914,247
– – 429,704 124,123 59,521 1,509 – 614,857
– 7,368,831 1,407,351 1,354,994 2,770,079 2,159,790 9,959 15,071,004
– – 46,457 99,898 210,560 362,609 139,539 859,063
– 222,147 23,038 7,037 7,936 30,083 9,715 299,956
– 8,801,497 2,154,553 2,059,599 3,706,592 2,615,533 159,213 19,496,987
– 2,659 2,135 7,101 5,020 (120) 516 17,311
– 79,242 2,831,895 1,618,108 3,116,519 368,456 7,805 8,022,025
– (79,178) (2,830,917) (1,612,726) (3,112,216) (367,680) (7,784) (8,010,501)
360
2018
5
5.3
2017 12 31
1 1 3 1
3 1 5 5
21 168,986 171,430 76,774 151,510 2,066 – 570,787
1,754,965 429,447 15,013 6,737 21,487 – – 2,227,649
– – 186,941 95,728 219,492 89,453 57 591,671
76,835 109,160 386,278 1,128,147 2,843,559 3,683,179 5,188,628 13,415,786
19,853 – 19,669 44,803 58,605 31,468 43,157 217,555
85,441 – 76,924 124,877 358,881 974,366 496,165 2,116,654
– – 30,419 52,093 252,884 1,427,553 681,592 2,444,541
2,515 20 5,650 4,778 21,524 286,238 157,883 478,608
3,189 132,283 16,818 2,432 4,004 480 2,254 161,460
1,942,819 839,896 909,142 1,536,369 3,931,946 6,494,803 6,569,736 22,224,711
– 805,036 194,129 206,113 158,269 76,111 – 1,439,658
– 180,336 205,979 132,329 523,492 9,733 – 1,051,869
– – 375,607 75,416 50,727 479 – 502,229
– 6,665,373 1,468,636 1,315,115 2,580,018 1,910,944 41,272 13,981,358
– – 46,187 43,512 55,235 369,592 38,245 552,771
– 188,633 23,186 3,057 10,635 28,951 9,466 263,928
– 7,839,378 2,313,724 1,775,542 3,378,376 2,395,810 88,983 17,791,813
– 3,172 (2,690) (5,403) (18,442) 907 501 (21,955)
– 78,712 2,022,405 1,432,624 2,712,400 319,113 9,986 6,575,240
– (77,976) (2,022,972) (1,430,796) (2,705,044) (318,204) (9,990) (6,564,982)
361
2018
5
5.4
41.5
1 1 5 5
2018 12 31
(1)
1,603,299 527,815 137,596 2,268,710
1,125,754 283,767 314,780 1,724,301
2,729,053 811,582 452,376 3,993,011
6,698 12,931 8,464 28,093
26,828 40,385 – 67,213
2,762,579 864,898 460,840 4,088,317
2017 12 31
(1)
1,588,385 462,722 124,653 2,175,760
1,107,630 363,227 224,015 1,694,872
2,696,015 825,949 348,668 3,870,632
6,570 12,496 2,720 21,786
15,127 40,279 2 55,408
2,717,712 878,724 351,390 3,947,826
(1) 41.7
362
2018
6
6.1
363
2018
6
6.1
2018 12 31
3,448 261,582 8,417 273,447
3,868 104 43,089 47,061
10,730 4,741 34,512 49,983
11,655 112,465 6 124,126
– 227,643 – 227,643
121,859 1,738,951 1,422 1,862,232
6,592 5,571 5,364 17,527
– 2,248 19,838 22,086
– (876) – (876)
– (24,141) – (24,141)
– (20,517) – (20,517)
(2,642) (11,685) – (14,327)
(8,928) (90,326) – (99,254)
364
2018
6
6.1
2017 12 31
4,263 161,542 2,594 168,399
– 5,493 – 5,493
8,029 – – 8,029
9,203 2,058 429 11,690
9,808 85,104 – 94,912
173,783 1,595,125 850 1,769,758
7,202 3,592 27,900 38,694
4,246 17,054 27,470 48,770
– 2,429 18,597 21,026
– (1,246) – (1,246)
– (372,767) – (372,767)
– (1,907) – (1,907)
(3,028) (14,191) – (17,219)
(6,754) (104,341) – (111,095)
365
2018
6
6.1
2018 1 1 – 3,034 23,205 27,899 1,405 4,695 18,597
6 (273) 98 2,678 – – 556
– – – – (50) (911) –
– (5) (538) (1,767) (1) (3) (61)
– 5,582 20,324 5,681 – 1,588 711
– (1) – – – – –
– – – – – – –
– 80 – 21 68 (5) 35
2018 12 31 6 8,417 43,089 34,512 1,422 5,364 19,838
6 (273) 98 2,677 – – 535
2017 1 1 2,709 – 1,656 23,362 19,153 19,067
196 36 14 (359) 194 592
– – 28 (951) (2,037) –
(307) – (357) (439) (3,395) (968)
– 393 – 5,535 13,555 668
– – – – – –
(4) – (198) – – (3)
– – (293) 752 – (759)
2017 12 31 2,594 429 850 27,900 27,470 18,597
196 36 – (371) – 592
2018 2017 2018 2017 12 31
366
2018
6
6.1
2018 2017
22 3,043 3,065 220 453 673
2018
6.2
367
2018
6
6.2
2018 12 31
2017 12 31
2018 12 31 2017 12 31
(1)
2,795,740 2,806,772
2,089,864 2,039,533
405,112 397,269
(2)
761,610 766,005 499,128 499,039
(1)
(2)
368
2018
6
6.2
2018 12 31
2017 12 31
2018 12 31
73,055 2,534,891 2,237 2,610,183
– 758,805 7,200 766,005
2017 12 31
38,194 2,001,046 293 2,039,533
– 193,250 2,713 195,963
– 499,039 – 499,039
369
2018
7
2018
8.50% 9.50% 11.50%
370
2018
7
371
2018
7
(1)
2018 2017
12 31 12 31
11.41% 11.15%
12.27% 12.02%
14.97% 14.19%
1,488,010 1,377,408
294,388 294,388
140,422 140,176
156,711 140,692
231,416 207,693
637,609 606,765
28,229 26,280
(2)
(765) (38,586)
(22,241) (21,320)
(182) (138)
(12,078) (11,259)
(68) (102)
– 4
(9,913) (9,825)
1,465,769 1,356,088
372
2018
7
2018 2017
12 31 12 31
109,524 105,002
99,714 99,714
9,810 5,288
1,575,293 1,461,090
347,473 264,652
256,189 191,596
82,093 63,672
9,191 9,384
(416) (412)
(416) (412)
1,922,350 1,725,330
12,841,526 12,157,771
(1)
(2)
373
2018
8
374
2018 2017 2018 2017
12 31
1
2018 2017
12 31 12 31
58.71% 47.09%
54.78% 56.93%
(1)
2018 100% 90%
100%
100%
375
1
(2)
2017 2018
(3)
92 139.66%
5.93
2018
139.66% 133.73% 126.55% 117.81%
376
1
2018
1 3,976,211
2 6,604,613 484,171
3 3,400,040 163,714
4 3,204,573 320,457
5 8,309,190 3,234,793
6 4,491,419 1,108,290
7 3,784,094 2,092,826
8 33,677 33,677
9 5,516
10 3,000,558 1,892,802
11 1,790,120 1,790,120
12 2,838 2,838
13 1,207,600 99,844
14 54,521 54,521
15 2,340,343 53,666
16 5,725,469
17 120,789 109,553
18 1,326,395 871,426
19 1,981,892 1,892,741
20 3,429,076 2,873,720
21 3,976,211
22 2,851,749
23 % 139.66%
377
1
(1)
30
(2)
(3)
2018 7 1 100%
= 100%
(1)
2018 12 125.60%
13,771,501
10,964,878
125.60%
(1)
378
2
2018 12 31
3,679,148 1,488,089 1,445,560 6,612,797
(4,207,568) (1,863,120) (1,406,375) (7,477,063)
6,113,388 750,992 1,195,354 8,059,734
(5,492,047) (409,454) (1,245,872) (7,147,373)
* (40,858) (258) (1,885) (43,001)
52,063 (33,751) (13,218) 5,094
52,685 219,887 70,141 342,713
2017 12 31
1,158,457 20,384 450,791 1,629,632
(1,354,531) (378,404) (378,637) (2,111,572)
4,826,149 655,260 1,174,088 6,655,497
(4,524,308) (338,715) (1,250,349) (6,113,372)
* (52,215) 463 (12,922) (64,674)
53,552 (41,012) (17,029) (4,489)
35,084 206,661 67,696 309,441
*
379
3
2014 160
10%
380
3
2018 12 31
608,194 418,266 701,782 1,728,242
18,193 1 469,543 487,737
80,097 33,887 371,850 485,834
706,484 452,154 1,543,175 2,701,813
59,618 224,329 145,386 429,333
54,341 77,159 234,936 366,436
820,443 753,642 1,923,497 3,497,582
2017 12 31
695,126 188,160 775,963 1,659,249
14,442 – 461,546 475,988
80,331 84,812 307,773 472,916
789,899 272,972 1,545,282 2,608,153
46,815 172,661 167,913 387,389
70,518 51,318 183,639 305,475
907,232 496,951 1,896,834 3,301,017
381
4
4.1
2018 2017
12 31 12 31
3 84,754 71,356
3 6 24,673 20,202
6 12 45,816 37,955
12 64,708 73,329
219,951 202,842
3 0.72% 0.65%
3 6 0.21% 0.19%
6 12 0.39% 0.35%
12 0.55% 0.67%
1.87% 1.86%
4.2
2018 2017 12 31
382
5
(1)
2018
12 31 9 30 6 30 3 31
1,575,293 1,542,039 1,486,972 1,470,837
22,700,133 22,556,634 21,764,394 21,671,433
6.94% 6.84% 6.83% 6.79%
2018
12 31
1 21,267,275
2 (9,913)
3 –
4 116,621
5 93,418
6 1,571,429
7 (338,697)
8 22,700,133
383
5
2018
12 31
1 20,556,183
2 (22,241)
3 20,533,942
4 123,986
5 116,761
6 –
7 –
8
–
9 –
10 –
11 240,747
12 260,207
13 –
14 93,808
15 –
16 354,015
17 4,243,221
18 (2,671,792)
19 1,571,429
20 1,575,293
21 22,700,133
22 6.94%
(1)
384
6
[2014]1
2018
(1)
1 22,700,133
2 1,984,614
3 1,931,660
4 3,289,094
5 584,485,591
6 9,663,845
7 1,857,785
8 11,233,344
9 937,778
10 28,866
11 3,440,512
12 4,470,366
(1)
385
2019
2018 2019 3 29
2018 2019 4 H
2018 2019 5 17
2019 2019 8 30
2018 2019 5 17 9 30
2018 0.184
2018
2006 6 1 2006 7 5
2014 10 24
2014 12 8 2015
3 31
294,387,791,241 2018 12 31
A 210,765,514,846
H 83,622,276,395
999,400,000 2018 12 31
600,000,000
399,400,000
386
2018 A 12 28 H 12 31
10,085.16 2018 12 28 A 12 31 H
12 28 100 = 87.62
2018 12 28
A 3.61 4.87 3.42
2018 12 31
H 3.38 4.96 3.20
A H
601988 3988
601988.SS 3988.HK
601988 CH 3988 HK
1 2
360002 360010
EK6323670 EK8196546
BOC 2014 PREF
4601
4601.HK
EK5371647
387
A H
166 183 17M
3 (852) 2862 8555
(86) 21-3887 4800 (852) 2865 0990
166
3
(86) 21-3887 4800
A
A1
A
A
AAA
H
(HSCI)
(MSCI)
388
1 8
(86) 10-6659 2638
(86) 10-6659 4568
ir@bankofchina.com
H
183 17M
www.boc.cn
www.sse.com.cn www.hkexnews.hk
H
(852) 2862 8688 (86) 10-6659 2638
389
股東大會
董事會 監事會
董事會秘書部 高級管理層 監事會辦公室
審計部
境內外分支機構及
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香港澳門台灣及
上海人民幣交易 中國內地機構
公司金融部 風險管理部 國際金融研究所 銀行卡中心 其他國家和地區機構
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商業銀行業務 綜合經營平台 商業銀行業務 綜合經營平台
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390
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財務管理部 網絡金融部 一級分行、 中銀保險 中銀香港 中銀國際控股
財富管理 總務部 上海國際金融研修院 直屬分行，
與私人銀行部 渠道與運營管理部 二級分行及
司庫 中銀三星人壽 香港分行 中銀集團投資
基層分支機構
會計信息部 全球市場部 信息科技部 直屬機構 中銀基金 中銀集團保險
中銀富登村鎮銀行 澳門分行
投資銀行 支付清算部 註
股權投資 中銀國際證券 大豐銀行股份有限公司 中銀人壽
與綜合經營管理部 與資產管理部
中銀消費金融
台北分行 中銀航空租賃
託管業務部 有限公司
其他國家的分行、
中銀資產
子公司、代表處
總行部門
37.14%
1
SWIFT BKCHCNBJ 12 148
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SWIFT BKCHCNBJ220 136
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050000 (86) 0451-53636890 (86) 0591-87090999
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150001 350003
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030006 (86) 021-50375566 (86) 0791-86471503
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200120 330038
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SWIFT BKCHCNBJ500 SWIFT BKCHCNBJ480 113
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(86) 0531-58522000 (86) 0771-2813844 (86) 0891-6835311
250000 530022 (86) 0891-6835311
850000
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SWIFT BKCHCNBJ530 SWIFT BKCHCNBJ740 18
(86) 0371-87008888 (86) 0898-66778001 SWIFT BKCHCNBJ620
(86) 0371-87007888 (86) 0898-66562040 (86) 029-89593900
450018 570102 (86) 029-89592999
710077
677 35
SWIFT BKCHCNBJ600 SWIFT BKCHCNBJ570 525
(86) 027-85569726 (86) 028-86741950 SWIFT BKCHCNBJ660
(86) 027-85562955 (86) 028-86403346 (86) 0931-7825004
430022 610031 (86) 0931-7825004
730000
593 347
SWIFT BKCHCNBJ970 SWIFT BKCHCNBJ240 218
(86) 0731-82580703 (86) 0851-85822419 SWIFT BKCHCNBJ280
(86) 0731-82580707 (86) 0851-85863981 (86) 0971-8178888
410005 550002 (86) 0971-8174971
810000
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197 SWIFT BKCHCNBJ640
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SWIFT BKCHCNBJ400 650051 (86) 0951-5681708
(86) 020-83338080 (86) 0951-5681509
(86) 020-83347666 750002
510180
392
1
SWIFT BKCHCNBJ760 9 200 1409
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830002
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MINATO-KU,
TOKYO 107-0052 179/4 BANGKOK CITY TOWER, BANK OF CHINA
JAPAN SOUTH SATHORN ROAD, (HONGKONG) LIMITED
SWIFT BKCHJPJT TUNGMAHAMEK PHNOM PENH BRANCH
(81) 335058818 SATHORN DISTRICT,
(81) 335058868 BANGKOK 10120, CANADIA TOWER,
service.jp@boctokyo.co.jp THAILAND 1ST & 2ND FLOOR,
www.bankofchina.com/jp SWIFT BKCHTHBK #315 ANG DOUNG ST.
(66) 22861010 P.O.BOX 110, PHNOM PENH,
(66) 22861020 CAMBODIA
SEOUL BRANCH (66) 26795566 SWIFT BKCHKHPP
service.th@bankofchina.com (855) 23988886
1/2/3F YOUNG POONG BLDG. www.bankofchina.com/th (855) 23988880
41, CHEONG GYE CHEON-RO, phnombd@mail.notes.bank-of-china.com
JONGNO-GU, www. bankofchina.com/kh
SEOUL 03188
KOREA
SWIFT BKCHKRSEXXX
(82) 16705566
(82) 23996265
www.bankofchina.com/kr
395
SYDNEY BRANCH BANK OF CHINA LIMITED
BANK OF CHINA AUCKLAND BRANCH
(HONGKONG) LIMITED 39-41 YORK STREET,
HOCHIMINH CITY BRANCH SYDNEY NSW 2000, LEVEL 17, TOWER 1,
AUSTRALIA 205 QUEEN STREET,
GROUND & 11TH FL, SWIFT BKCHAU2SXXX AUCKLAND, 1010,
TIMES SQUARE BUILDING, (61) 282355888 NEW ZEALAND
22-36 NGUYEN HUE STREET, (61) 292621794 SWIFT BKCHNZ2A
DISTRICT 1, service.au@bankofchina.com (64) 99809000
HOCHIMINH CITY, www.bankofchina.com/au (64) 99809088
VIETNAM service.nz@bankofchina.com
SWIFT BKCHVNVX
(84) 2838219949 BANK OF CHINA
(84) 2838219948 (AUSTRALIA) LIMITED JSC AB (BANK OF CHINA
service.vn@bankofchina.com KAZAKHSTAN)
39-41 YORK STREET,
SYDNEY NSW 2000, 71B, MICRODISTRICT
MANILA BRANCH AUSTRALIA ZHETYSU-2,
SWIFT BKCHAU2AXXX AUEZOV DISTRICT, 050063,
28/F. THE FINANCE CENTER (61) 282355888 ALMATY,
26TH STR. COR. 9TH AVE., BGC (61) 292621794 REPUBLIC OF KAZAKHSTAN
TAGUIG CITY, service.au@bankofchina.com SWIFT BKCHKZKA
METRO MANILA www.bankofchina.com/au (7727) 2585510
PHILIPPINES (7727) 2585514
SWIFT BKCHPHMM boc@bankofchina.kz
(63) 22977888 BANK OF CHINA
(63) 28850532 (NEW ZEALAND) LIMITED
customerservice_ph@mail.notes.bank-of-china.com VIENTIANE BRANCH
LEVEL 17,
TOWER 1, 205 QUEEN STREET, NO. A1003-A2003,
AUCKLAND, 1010, VIENTIANE CENTER,
BANK OF CHINA NEW ZEALAND KHOUVIENG ROAD,
(HONGKONG) LIMITED SWIFT BKCHNZ22 NONGCHAN VILLAGE,
BRUNEI BRANCH (64) 99809000 SISATTANAK DISTRICT,
(64) 99809088 VIENTIANE CAPITAL,
KIARONG JAYA KOMPLEK, service.nz@bankofchina.com LAO P.D.R.
LOT NO. 56244, SIMPANG 22, www.bankofchina.com/nz SWIFT BKCHLALAXXX
JALAN DATO RATNA, (856) 21228888
KAMPONG KIARONG, (856) 21228880
BANDAR SERI service.la@bankofchina.com
BEGAWAN BE1318, www.bankofchina.com/la
BRUNEI DARUSSALAM
SWIFT BKCHBNBB
(673) 2459888
(673) 2459878
396
KARACHI BRANCH YANGON REPRESENTATIVE QATAR FINANCIAL
OFFICE CENTRE BRANCH
5TH FLOOR, CORPORATE
OFFICE BLOCK, 08-06, LEVEL 8,
DOLMEN CITY, HC-3, BLOCK 4, UNION FINANCIAL CENTER 24TH FLOOR, ALFARDAN
SCHEME 5, CLIFTON, (UFC), CORNER TOWERS-OFFICE TOWER,
KARACHI, OF MAHABANDOOLA BUILDING NO.12, ZONE 61,
PAKISTAN ROAD & THEIN PHYU ROAD AL FUNDUQ, STREET NO.814,
SWIFT BKCHPKKA 45TH STREET, DOHA, QATAR
(92) 2133110688 BOTATUNG TOWNSHIP,
P.O BOX 5768
(92) 2133110600 YANGON,
services.pk@bankofchina.com MYANMAR SWIFT BKCHQAQA
www.bankofchina.com/pk (95) 18610408 (974) 44473681 44473682
service.mm@bankofchina.com (974) 44473696
service.qa@bankofchina.com
COLOMBO BRANCH
BANK OF CHINA
NO. 40, YORK STREET
(DUBAI) BRANCH
COLOMBO 001
BANK OF
SRI LANKA
LEVEL 11 TOWER 2, CHINA TURKEY A.S.
SWIFT BKCHLKLX
(94) 0112195566 AL FATTAN CURRENCY HOUSE
(94) 0112118800 BUYUKDERE CAD.NO: 209,
DUBAI INTERNATIONAL
service.lk@bankofchina.com TEKFEN TOWER K.21,
FINANCIAL CENTRE
34394 4. LEVENT/SISLI/
P .O. BOX 118842,
ISTANBUL
BANK OF CHINA LIMITED DUBAI, U.A.E TURKEY
MUMBAI BRANCH SWIFT BKCHAEADXXX SWIFT BKCHTRISXXX
(971) 43819100 (90) 2122608888
41-B, 4TH FLOOR, (971) 43880778 (90) 2122798866
4 NORTH AVENUE, service.ae@bankofchina.com contact@bankofchina.com.tr
MAKER MAXITY,
www.bankofchina.com.tr
BANDRA KURLA COMPLEX,
BANDRA EAST,
MUMBAI, BANK OF CHINA
INDIA LTD-ABU DHABI ISTANBUL
SWIFT BKCHINBB REPRESENTATIVE OFFICE
(0091) 2268246666 UNIT 8-11, 46F, ADDAX
(0091) 2268246667 BUYUKDERE CAD.NO: 209,
COMMERCIAL TOWER,
bocmumbai@bankofchina.com TEKFEN TOWER K.21, 34394 4.
AL REEM ISLAND,
LEVENT/SISLI/ISTANBUL
P.O.BOX73098, TURKEY
ULAANBAATAR ABU DHABI, U.A.E. (90) 2122608888
REPRESENTATIVE OFFICE SWIFT BKCHAEAA (90) 2122798866
(971) 24180999 service.tr@bankofchina.com
11TH FLOOR CENTRAL TOWER,
(971) 24180996
SUKHBAATAR SQUARE-2,
SBD-8, abudhabi.ae@bankofchina.com
ULAANBAATAR 14200,
MONGOLIA
(976) 77095566
(976) 77195566
service.mn1@bankofchina.com
397
BAHRAIN LUXEMBOURG BRANCH
REPRESENTATIVE OFFICE BANK OF CHINA (UK)
LIMITED DUBLIN BRANCH 37/39 BOULEVARD PRINCE
OFFICE 1502, HENRI L-1724 LUXEMBOURG
AL JASRAH TOWER, FIFTH FLOOR, STYNE HOUSE, P.O. BOX 114 L-2011,
DIPLOMATIC AREA UPPER HATCH STREET, LUXEMBOURG
BUILDING 95, ROAD 1702, DUBLIN 2, D02 DY27, IRELAND SWIFT BKCHLULL
BLOCK 317, MANAMA SWIFT BKCHIE2D (352) 268688
KINGDOM OF BAHRAIN
(353) 14767888
(973) 17531119 (352) 221795
(353) 14767868
(973) 17531009 service.lu@bankofchina.com
dublinbranch@mail.notes.bank-of-china.com
bldbcbgs@mail.notes.bank-of-china.com www.bankofchina.com/lu
BOC AVIATION
BOC AVIATION LIMITED BANK OF CHINA
(IRELAND) LIMITED
(LUXEMBOURG) S.A.
8 SHENTON WAY #18-01
SINGAPORE 068811 THE CRESCENT BUILDING
37/39 BOULEVARD PRINCE
(65) 63235559 NORTHWOOD, SANTRY
DUBLIN 9 HENRI L-1724 LUXEMBOURG
(65) 63236962
D09 C6X8 P.O. BOX 721 L-2017,
www.bocaviation.com
REPUBLIC OF IRELAND LUXEMBOURG
(353) 18934173 SWIFT BKCHLULA
(352) 268688
EUROPE
(352) 221795
PARIS BRANCH service.lu@bankofchina.com
www.bankofchina.com/lu
LONDON BRANCH
23-25 AVENUE DE LA
GRANDE ARMEE 75116 PARIS,
1 LOTHBURY,
FRANCE
LONDON EC2R 7DB,
SWIFT BKCHFRPP BANK OF CHINA
U.K.
281 090 BDCSP (LUXEMBOURG) S.A.
SWIFT BKCHGB2L
(33) 149701370 ROTTERDAM BRANCH
(44) 2072828888 (33) 149701372
(44) 2076263892 www.bankofchina.com/fr COOLSINGEL 63,
service.uk@bankofchina.com
3012AB ROTTERDAM,
www.bankofchina.com/uk
THE NETHERLANDS
FRANKFURT BRANCH
SWIFT BKCHNL2R
(31) 102175888
BANK OF CHINA BOCKENHEIMER LANDSTR.
(31) 102175899
(UK) LIMITED 24 60323 FRANKFURT AM MAIN,
service.nl@bankofchina.com
GERMANY
www.bankofchina.com/nl
1 LOTHBURY, SWIFT BKCHDEFF
LONDON EC2R 7DB, (49) 691700900
U.K. (49) 69170090500
SWIFT BKCHGB2U service.de@bankofchina.com
(44) 2072828888 www.bankofchina.com/de
(44) 2076263892
service.uk@bankofchina.com
www.bankofchina.com/uk
398
HUNGARIAN BRANCH
BANK OF CHINA BANK OF CHINA
(LUXEMBOURG) S.A. (LUXEMBOURG) S.A. 7 JOZSEF NADOR TER,
BRUSSELS BRANCH LISBON BRANCH 1051 BUDAPEST,
HUNGARY
20 AVENUE DES ARTS, RUA DUQUE DE PALMELA SWIFT BKCHHUHH
1000, BRUSSELS, NO. 35,35A E 37; (36) 14299200
BELGIUM 1250-097 LISBOA, (36) 14299202
SWIFT BKCHBEBB PORTUGAL www. bankofchina.com/hu
(32) 24056688 SWIFT BKCHPTPL
(32) 22302892 (351) 210495710
service.be@bankofchina.com (351) 210495738
www.bankofchina.com/be service.pt@bankofchina.com BANK OF CHINA (HUNGARY)
www.bankofchina.com/pt CLOSE LTD.
PRAGUE BRANCH
BANK OF CHINA MILAN BRANCH NA FLORENCI 2116/15,
(LUXEMBOURG) S.A. NOVE MESTO, 11000 PRAHA 1,
POLAND BRANCH VIA SANTA MARGHERITA, CZECH REPUBLIC
14/16-20121 MILAN, SWIFT BKCHCZPPXXX
UL. ZIELNA 41/43, ITALY (42) 0225986666
00-108 WARSAW, SWIFT BKCHITMM (42) 0225986699
POLAND (39) 02864731 service.cz@bankofchina.com
SWIFT BKCHPLPX (39) 0289013411
(48) 224178888 www.bankofchina.com/it
(48) 224178887
service.pl@bankofchina.com BANK OF CHINA (HUNGARY)
www.bankofchina.com/pl BANK OF CHINA CLOSE LTD.
(HUNGARY) CLOSE LTD. VIENNA BRANCH
7 JOZSEF NADOR TER, BOERSEPLATZ 6,
BANK OF CHINA 1051 BUDAPEST, A-1010 VIENNA
(LUXEMBOURG) S.A. HUNGARY AUSTRIA
STOCKHOLM BRANCH SWIFT BKCHHUHB SWIFT BKCHATWWXXX
(36) 14299200 (43) 153666800
BIRGER JARLSGATAN 28, (36) 14299202 (43) 153666888
114 34 STOCKHOLM, service.hu@bankofchina.com service.at@bankofchina.com
SWEDEN www. bankofchina.com/hu www. bankofchina.com/at
SWIFT BKCHSESS
(46) 107888888
(46) 107888801
service.se@bankofchina.com
www.bankofchina.com/se
399
BANK OF CHINA SRBIJA A.D. BANK OF CHINA (CANADA) PANAMA BRANCH
BEOGRAD
SUITE 600, P.O. BOX 0823-01030
BULEVAR ZORANA DINDICA 50 MINTHORN BOULEVARD PUNTA PACIFICA
2A, BELGRADE, MARKHAM, ONTARIO P.H. OCEANIA BUSINESS PLAZA
SERBIA CANADA, L3T 7X8 TORRE 2000 PISO 36
(381) 112018976 SWIFT BKCHCATT PANAMA CITY,
(381) 112018977 (1905) 7716886 REPUBLIC OF PANAMA
service.rs@bankofchina.com (1905) 7718555 SWIFT BKCHPAPA
www.bankofchina.com/rs service.ca@bankofchina.com (507) 2169400
www.bankofchina.com/ca (507) 2239960
bocpanama@cwpanama.net
BANK OF CHINA (RUSSIA)
TORONTO BRANCH
72, PROSPEKT MIRA, BANCO DA CHINA BRASIL
MOSCOW, 129110 6108 ONE FIRST CANADIAN PLACE, S.A.
RUSSIA 100 KING STREET WEST,
SWIFT BKCHRUMM P.O.BOX 241, TORONTO, AVENIDA PAULISTA,
(7495) 2585301 ONTARIO, 901-14 ANDAR BELA
(7495) 7950454 CANADA, M5X 1C8 VISTA CEP: 01311-100,
iboc@boc.ru SWIFT BKCHCAT2 SAO PAULO, SP,
www.boc.ru (1416) 9559788 BRASIL
(1416) 9559880 SWIFT BKCHBRSP
service.ca@bankofchina.com (55) 1135083200
AMERICA (55) 1135083299
ouvidoria@boc-brazil.com
GRAND CAYMAN BRANCH www.bankofchina.com/br
NEW YORK BRANCH
GRAND PAVILION
1045 AVENUE OF THE AMERICAS, COMMERCIAL CENTER BANK OF CHINA, AGENCIA
NEW YORK, NY 10018, 802 WEST BAY ROAD, EN CHILE
U.S.A. P.O. BOX 30995,
SWIFT BKCHUS33 GRAND CAYMAN KY1-1204 ANDRSBELLO 2457 PISO16,
(1212) 9353101 CAYMAN ISLANDS PROVIDENCIA, SANTIAGO,
(1212) 5931831 SWIFT BKCHKYKY CHILE
www.bocusa.com (1345) 9452000 SWIFT BKCHCLRM
(1345) 9452200 (56) 227157800
gcb@mail.notes.bank-of-china.com (56) 227157898
servicios@cl.bocusa.com
www.bankofchina.com/cl
400
BANK OF CHINA MXICO, JOHANNESBURG BRANCH NAIROBI REPRESENTATIVE
S.A. INSTITUCIN DE BANCA OFFICE
MLTIPLE 14TH-16TH FLOORS,
ALICE LANE TOWERS, MORNING SIDE OFFICE PARK,
PASEO DE LA REFORMA 243, 15 ALICE LANE, SANDTON, NGONG ROAD,
PISO24, COLONIA JOHANNESBURG, P.O. BOX 21357-00505,
CUAUHTMOC, SOUTH AFRICA NAIROBI,
CIUDAD DE MXICO, SWIFT BKCHZAJJ KENYA
MXICO (27) 115209600 (254) 203862811
SWIFT BKCHMXMX (27) 117832336 (254) 203862812
(52) 5541705800 bocjhb@mail.notes.bank-of-china.com service.ke@bankofchina.com
(52) 5552078705 www.bankofchina.com/za
servicios@mx.bocusa.com
www.bankofchina.com/mx MOROCCO
BANK OF CHINA REPRESENTATIVE OFFICE
(MAURITIUS) LIMITED
PERU REPRESENTATIVE NO.71, ANFA CENTER, 128,
OFFICE 4TH-5TH FLOOR, BD D’ANFA & ANGLE
DIAS PIER BUILDING, RUE LAHCEN BASRI,
AV. JORGE BASADRE 607, CAUDAN WATERFRONT, CASABLANCA,
OFFICE 701, PORT LOUIS, MAROC
SAN ISIDRO, LIMA, MAURITIUS (212) 522203779
PERU SWIFT BKCHMUMU (212) 522273083
(51) 920137238 (230) 2034878 service.ma@bankofchina.com
service.pe@bankofchina.com (230) 2034879
services.mu@bankofchina.com
www.bankofchina.com/mu TANZANIA
AFRICA REPRESENTATIVE OFFICE
LUANDA BRANCH 8TH FLOOR, AMANI PLACE,
BANK OF CHINA (ZAMBIA) OHIO STREET, P.O. BOX 13602,
LIMITED VIA S10 NO.701, CONDOMINIO DAR ES SALAAM,
BELAS BUSSINESS PARK, TANZANIA
PLOT NO. 2339, TORRE CUANZA SUL 8 (225) 222112973
KABELENGA ROAD, ANDAR, (225) 222112974
P.O. BOX 34550, LUSAKA, LUANDA, repofce.tz@bankofchina.com
ZAMBIA REPUBLIC OF ANGOLA
SWIFT BKCHZMLU SWIFT BKCHAOLU
(260) 211233271 (244) 923165700
(260) 211236782 (244) 923165717
executive.zm@mail.notes.bank-of-china.com service.ao@bankofchina.com
www.bankofchina.com/zm www.bankofchina.com/ao
401