BANK OF CHINA LIMITED 3988 4601 2018 2018 12 31 2018 2018 2019 4 H www.hkexnews.hk www.boc.cn 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 總行部門及直屬機構 附屬公司 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 業務總部 辦公室 金融機構部 信用審批部 安全保衛部 數據中心 人力資源部 交易銀行部 授信管理部 黨務工作部 軟件中心 商業銀行業務 綜合經營平台 商業銀行業務 綜合經營平台 國際結算單證 全面深化改革 普惠金融事業部 工會工作委員會 內控與法律合規部 處理中心 領導小組辦公室 390 個人金融部 離退休幹部部 國際金融研修院 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 (86) 010-66596688 SWIFT BKCHCNBJ880 SWIFT BKCHCNBJ940 (86) 010-66016871 (86) 0471-4690052 34116BOCJSCN 100818 (86) 0471-4690001 (86) 025-84207888 www.boc.cn 010010 (86) 025-84200407 210005 2 A C E 253 321 SWIFT BKCHCNBJ110 SWIFT BKCHCNBJ810 SWIFT BKCHCNBJ910 (86) 010-85121491 (86) 024-22810827 (86) 0571-85011888 (86) 010-85121739 (86) 024-22857333 (86) 0571-87074837 100010 110013 310003 8 SWIFT BKCHCNBJ200 699 1688 (86) 022-27108002 SWIFT BKCHCNBJ840 SWIFT BKCHCNBJ780 (86) 022-23312805 (86) 0431-88408888 (86) 0551-62926995 300204 (86) 0431-88408901 (86) 0551-62926993 130061 230091 28 SWIFT BKCHCNBJ220 136 (86) 0311-69696681 19 (86) 0311-69696692 SWIFT BKCHCNBJ860 SWIFT BKCHCNBJ720 050000 (86) 0451-53636890 (86) 0591-87090999 (86) 0451-53624147 (86) 0591-87090111 150001 350003 186 SWIFT BKCHCNBJ680 (86) 0351-8266016 200 10 (86) 0351-8266021 SWIFT BKCHCNBJ300 SWIFT BKCHCNBJ550 030006 (86) 021-50375566 (86) 0791-86471503 (86) 021-50372911 (86) 0791-86471505 200120 330038 391 22 39 SWIFT BKCHCNBJ500 SWIFT BKCHCNBJ480 113 (86) 0531-58522001 (86) 0771-2879602 SWIFT BKCHCNBJ900 (86) 0531-58522000 (86) 0771-2813844 (86) 0891-6835311 250000 530022 (86) 0891-6835311 850000 3-1 29 31 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 515 197 SWIFT BKCHCNBJ640 199 (86) 0871-63191216 39 (86) 0871-63175573 SWIFT BKCHCNBJ260 SWIFT BKCHCNBJ400 650051 (86) 0951-5681708 (86) 020-83338080 (86) 0951-5681509 (86) 020-83347666 750002 510180 392 1 SWIFT BKCHCNBJ760 9 200 1409 (86) 0991-2328888 SWIFT BKCHCNBJ81A (86) 021-63291680 (86) 0991-2825095 (86) 0411-82586666 (86) 021-63291789 830002 (86) 0411-82637098 200120 116001 boccfcadmin@boccfc.cn www.boccfc.cn 218 SWIFT BKCHCNBJ59A (86) 023-63889234 (86) 023-63889217 200 39 400013 SWIFT BKCHCNBJ73A (86) 021-20328000 (86) 0592-5317519 (86) 021-58883554 (86) 0592-5095130 200120 361012 admindiv.china@bocichina.com www.bocichina.com 2022 SWIFT BKCHCNBJ45A (86) 0755-22331155 (86) 0755-82259209 518001 149 SWIFT BKCHCNBJ220 110 9 (86) 0312-5988023 (86) 010-57765000 (86) 0312-5988023 (86) 010-57765550 071700 100032 128 www.bocfullertonbank.com SWIFT BKCHCNBJ95B (86) 0512-65113558 (86) 0512-65114906 215028 110 9 10 11 (86) 010-83260001 110 9 (86) 010-83260006 (86) 010-83262688 139 100032 (86) 010-83262777 SWIFT BKCHCNBJ92A www.bocins.com 100032 (86) 0574-87196666 www.boc-samsunglife.cn (86) 0574-87198889 315000 200 45 (86) 021-38834999 110 8 59 (86) 021-68873488 (86) 010-83262479 SWIFT BKCHCNBJ50A 200120 (86) 010-83262478 (86) 0532-85979700 www.bocim.com 100032 (86) 0532-67755601 boc@boc.com 266071 393 1 24 1 23 418 (852) 28462700 (852) 22007500 (853) 28322323 (852) 28105830 (852) 28772629 (853) 28570737 www.bochk.com bocginv_bgi@bocgroup.com tfbsecr@taifungbank.com www.bocgi.com www.taifungbank.com 1 26 (852) 39886000 1111 (852) 21479065 1 13 105 1-5 info@bocigroup.com (852) 21608800 SWIFT BKCHTWTP www.bocigroup.com (852) 28660938 (886) 227585600 enquiry@boclife.com.hk (886) 227581598 www.boclife.com.hk service.tw@bankofchina.com www.bankofchina.com/tw 1 7 (852) 28101203 (852) 25377609 SWIFT BKCHMOMX (853) 88895566 71 (853) 28781833 9 bocmo@bocmacau.com (852) 28670888 www.bankofchina.com/mo (852) 25221705 info_ins@bocgroup.com www.bocgins.com 394 ASIA-PACIFIC AREA BANK OF CHINA (MALAYSIA) BERHAD BANK OF CHINA (HONGKONG) LIMITED SINGAPORE BRANCH GROUND, MEZZANINE, JAKARTA BRANCH & 1ST FLOOR 4 BATTERY ROAD, PLAZA OSK, TAMARA CENTER BANK OF CHINA BUILDING, 25 JALAN AMPANG 11TH FLOOR, SINGAPORE 50450 KUALA LUMPUR, JALAN JEND. 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(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. 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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. 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