2019 年中期報告
Bank of Qingdao Co., Ltd.
青島銀行股份有限公司
（於中華人民共和國註冊成立的股份有限公司）
（H 股股份代號：3866）
（優先股股份代號：4611）
1.
2. 2019 8 23
2019 15 12 3
3.
4. 2019 6 30
2019 6 30 6
5. 2019
6.
7.
8.
2
4
12
14
81
93
105
107
115
117
118
211
1
A
H
571
2019 6 30
2
2015
[2013]185
IFRS 9 2018 1 1
9
IFRS 16 2019 1 1
16
3
A A 002948
A
H H 3866
H
BQD 17USDPREF 4611
BANK OF QINGDAO CO., LTD.
BANK OF QINGDAO
6 3
266061
6
266061
1 31
http://www.qdccb.com/
ir@qdbankchina.com
4
6 6
+86 40066 96588 6 +86 40066 96588 6
+86 (532) 85783866 +86 (532) 85783866
ir@qdbankchina.com ir@qdbankchina.com
http://www.szse.com.cn/ http://www.
cninfo.com.cn/
http://www.qdccb.com/
http://www.hkexnews.hk/
http://www.qdccb.com/
http://www.cninfo.com.cn
5
2019 1 16 A
4,058,712,749 4,509,690,000
91370200264609602K
1
8
10 8
2019 3 26
2019 1 16
8 2021 12 31
6
A
A 2012
22-28
H
H 183 17
1712 1716
2019 2018
1-6 1-6
(%)
3,144,543 1,736,292 81.11
1,390,025 1,393,819 (0.27)
4,534,568 3,130,111 44.87
(1,266,489) (964,113) 31.36
(1,428,195) (516,515) 176.51
1,839,884 1,649,483 11.54
1,466,129 1,330,876 10.16
1,438,462 1,321,444 8.86
(%)
(1)
0.32 0.33 (3.03)
(1)
0.32 0.33 (3.03)
7
2019 2018
6 30 12 31
(%)
(2)
345,230,946 317,658,502 8.68
(2)
143,343,578 123,366,891 16.19
(3)
(3,699,154) (3,557,806) 3.97
(2)
315,232,865 290,161,778 8.64
(2)
188,360,223 177,911,247 5.87
4,509,690 4,058,713 11.11
29,458,663 26,984,973 9.17
29,998,081 27,496,724 9.10
(4)
4.79 4.71 1.70
38,300,520 36,021,656 6.33
21,789,938 19,268,600 13.09
7,899,710 7,894,330 0.07
8,610,872 8,858,726 (2.80)
236,429,937 229,776,495 2.90
2019 2018
1-6 1-6
(%)
(5)
0.88 0.88 –
(1)
13.49 14.62 (1.13)
(6)
2.03 1.47 0.56
(7)
2.06 1.35 0.71
12.81 10.94 1.87
(8)
26.84 29.67 (2.83)
8
2019 2018
6 30 12 31
(%)
1.68 1.68 –
150.42 168.04 (17.62)
2.53 2.82 (0.29)
(%)
(9)
9.22 8.39 0.83
(9)
12.56 11.82 0.74
(9)
16.20 15.68 0.52
8.69 8.66 0.03
(%)
180.02 125.95 54.07
67.73 60.55 7.18
102.03 102.80 (0.77)
(1) 9
2010 1.13
0.01 A 4.51
19.63
(2)
(3) 36.79
0.20
(4) =
9
(5) = 2018 IFRS 9
2019 IFRS 16
(6) =
(7) =
(8) =
(9)
10 2019 8 23
2 3
2019 2018 2017
(%) 6 30 12 31 12 31
≤10 4.70 4.16 4.32
≤50 30.38 29.06 29.21
2019 2018 2017
(%) 6 30 12 31 12 31
1.74 3.06 2.51
49.87 44.53 53.57
61.53 36.28 67.75
39.25 21.41 10.31
10
2019 2018
6 30 12 31
65,054,000 52,974,850
30 36,137,989 42,058,582
180.02% 125.95%
2019 6 30 2019 3 31 2018 12 31
188,183,992 186,315,742 183,312,473 181,737,448 178,819,503 177,025,810
184,434,976 178,763,840 183,106,383 177,578,756 173,945,290 168,986,433
102.03% 104.22% 100.11% 102.34% 102.80% 104.76%
100%
11
1996 11
IT
2015 12 H 2019 1
A
14 138 2017 2
3,700
3,452.31
16.20% 1.68% 14.66
10.16%
12
+ +
13
2019
2019
2.1
(1) 3,452.31 275.72 8.68%
(2) 1,433.44 199.77 16.19%
(3) 1,883.60 104.49 5.87%
(4) 14.66 1.35 10.16%
(5) 1.68% 150.42% 16.20%
0.52
(6) 0.88%
(7) 13.49% 1.13 0.32
0.01 A 4.51
19.63
14
2.2
(1)
4.0
(2)
(3)
80
(4)
90%
15
3.1
18.40 1.90 11.54% 14.66
1.35 10.16% 20.31% 0.99
2019 2018
1-6 1-6 (%)
3,144,543 1,736,292 1,408,251 81.11
580,810 342,487 238,323 69.59
809,215 1,051,332 (242,117) (23.03)
(1,266,489) (964,113) (302,376) 31.36
(1,428,195) (516,515) (911,680) 176.51
1,839,884 1,649,483 190,401 11.54
(373,755) (318,607) (55,148) 17.31
1,466,129 1,330,876 135,253 10.16
1,438,462 1,321,444 117,018 8.86
27,667 9,432 18,235 193.33
16
3.2
45.35 14.04 44.87%
69.35% 13.88
12.81% 1.87
2019 1-6 2018 1-6
(%) (%)
3,144,543 69.35 1,736,292 55.47 13.88
6,825,818 150.53 5,453,245 174.22 (23.69)
3,441,917 75.90 2,412,614 77.08 (1.18)
2,685,687 59.23 2,534,605 80.97 (21.74)
8,670 0.19 9,671 0.31 (0.12)
142,484 3.14 52,706 1.68 1.46
168,832 3.72 188,787 6.03 (2.31)
133,225 2.94 123,596 3.95 (1.01)
245,003 5.40 131,266 4.19 1.21
(3,681,275) (81.18) (3,716,953) (118.75) 37.57
1,390,025 30.65 1,393,819 44.53 (13.88)
580,810 12.81 342,487 10.94 1.87
809,215 17.85 1,051,332 33.59 (15.74)
4,534,568 100.00 3,130,111 100.00 –
17
3.3
31.45 14.08 81.11%
2019 1-6 2018 1-6
(%) (%)
137,694,343 3,441,917 5.04 101,107,742 2,412,614 4.81
117,755,709 2,685,687 4.60 113,377,563 2,534,605 4.51
(1)
21,055,983 284,379 2.72 14,618,405 185,973 2.57
22,209,675 168,832 1.53 24,971,505 188,787 1.52
8,590,242 245,003 5.75 5,064,684 131,266 5.23
307,305,952 6,825,818 4.48 259,139,899 5,453,245 4.24
176,323,940 1,591,835 1.82 160,024,453 1,432,119 1.80
(2)
46,107,855 659,773 2.89 49,744,286 869,619 3.53
69,715,302 1,257,153 3.64 56,866,676 1,328,313 4.71
11,081,843 172,514 3.14 3,971,042 86,902 4.41
303,228,940 3,681,275 2.45 270,606,457 3,716,953 2.77
/ 3,144,543 / / 1,736,292 /
/ / 2.03 / / 1.47
/ / 2.06 / / 1.35
(1)
(2)
18
3,073.06 481.66 18.59%
2.06% 0.71
2.03% 0.56
2019 1-6 2018 1-6
913,985 115,318 1,029,303
100,481 50,601 151,082
87,532 10,874 98,406
(21,193) 1,238 (19,955)
100,677 13,060 113,737
1,181,482 191,091 1,372,573
143,845 15,871 159,716
(51,973) (157,873) (209,846)
230,576 (301,736) (71,160)
110,621 (25,009) 85,612
433,069 (468,747) (35,678)
748,413 659,838 1,408,251
19
3.4
68.26 13.73 25.17%
34.42 10.29
42.66%
2019 1-6 2018 1-6
(%) (%)
83,599,410 2,127,391 5.13 66,156,112 1,596,552 4.87
10,789,367 212,008 3.96 4,276,161 104,800 4.94
43,305,566 1,102,518 5.13 30,675,469 711,262 4.68
137,694,343 3,441,917 5.04 101,107,742 2,412,614 4.81
26.86 1.51 5.96%
2.84 0.98
52.91%
20
3.5
36.81 0.36 0.96%
15.92 1.60 11.15%
2019 1-6 2018 1-6
(%) (%)
68,776,120 257,471 0.75 59,739,406 210,696 0.71
48,880,541 643,916 2.66 46,608,814 637,029 2.76
117,656,661 901,387 1.54 106,348,220 847,725 1.61
18,282,267 27,430 0.30 17,913,853 28,606 0.32
40,385,012 663,018 3.31 35,762,380 555,788 3.13
58,667,279 690,448 2.37 53,676,233 584,394 2.20
176,323,940 1,591,835 1.82 160,024,453 1,432,119 1.80
21
6.60 2.10
24.13%
12.57 0.71 5.36%
3.6
13.90 0.04 0.27%
2019 2018
1-6 1-6
614,082 373,336
(33,272) (30,849)
580,810 342,487
809,215 1,051,332
1,390,025 1,393,819
22
3.7
5.81 2.38 69.59%
2019 2018
1-6 1-6
318,278 144,994
155,930 128,835
37,535 17,402
17,798 16,423
84,541 65,682
614,082 373,336
(33,272) (30,849)
580,810 342,487
3.18 1.73 119.51%
1.56 0.27
21.03%
0.38 0.20 115.69%
0.18 0.01 8.37%
23
3.8
8.09 2.42
0.15 0.79
7.86 1.66
2019 2018
1-6 1-6
15,362 94,640
785,541 951,247
8,312 5,445
809,215 1,051,332
3.9
12.66 3.02 31.36%
2.23 47.04%
2019 2018
1-6 1-6
696,838 473,897
283,311 267,798
49,349 35,454
236,991 186,964
1,266,489 964,113
24
3.10
14.28
2019 2018
1-6 1-6
51 474
(4,029) 8,089
(122) (362)
1,382,222 526,238
(75,701) (36,311)
63,809 7,438
58,718 16,135
(3,905) (15,836)
7,152 10,650
1,428,195 516,515
13.82 8.56 162.66%
25
4.1
3,452.31 275.72 8.68%
2019 6 30 2018 12 31 2017 12 31
%
% % % %
143,343,578 41.52 123,366,891 38.84 16.19 2.68 95,514,680 31.19
66,573,268 19.28 70,032,056 22.05 (4.94) (2.77)
52,507,189 15.21 53,002,751 16.69 (0.93) (1.48)
27,333,616 7.92 22,361,816 7.04 22.23 0.88 179,078 0.06
34,600,099 10.02 29,554,430 9.30 17.07 0.72 27,097,814 8.85
1,321,082 0.38 1,542,437 0.49 (14.35) (0.11) 1,107,946 0.36
4,588,207 1.33 4,110,464 1.29 11.62 0.04 2,882,727 0.94
323 0.00 – – – – – –
– – 300,262 0.09 (100.00) (0.09) 3,584,200 1.17
79,086,556 25.82
38,644,926 12.62
46,678,869 15.24
8,800,422 2.55 7,766,698 2.44 13.31 0.11 4,076,396 1.33
3,089,560 0.90 3,124,355 0.98 (1.11) (0.08) 3,089,017 1.01
1,331,453 0.39 1,152,778 0.36 15.50 0.03 1,084,286 0.35
1,742,149 0.50 1,343,564 0.43 29.67 0.07 3,249,597 1.06
345,230,946 100.00 317,658,502 100.00 8.68 – 306,276,092 100.00
26
4.1.1
1,433.44 199.77
16.19% 41.52% 2.68
2019 6 30 2018 12 31 2017 12 31
%
% % % %
89,494,765 61.13 78,264,271 61.92 14.35 (0.79) 64,363,848 65.64
12,116,688 8.28 6,772,625 5.36 78.91 2.92 2,951,203 3.01
44,780,905 30.59 41,349,974 32.72 8.30 (2.13) 30,746,328 31.35
146,392,358 100.00 126,386,870 100.00 15.83 – 98,061,379 100.00
630,061 / 521,250 / 20.88 /
(3,678,841) / (3,541,229) / 3.89 / (2,546,699) /
143,343,578 / 123,366,891 / 16.19 / 95,514,680 /
894.95 112.30
14.35% 61.13%
27
121.17 53.44 78.91%
8.28%
447.81 34.31 8.30%
30.59%
4.1.2
1,464.14 10.17
0.70%
2019 6 30 2018 12 31
% %
27,333,616 18.67 22,361,816 15.38
52,507,189 35.86 53,002,751 36.45
66,573,268 45.47 70,032,056 48.17
146,414,073 100.00 145,396,623 100.00
28
273.34
49.72 22.23%
2019 2018
6 30 12 31
549,746 237,280
518,043 206,985
31,703 30,295
12,829,787 7,467,620
8,775,971 9,354,611
3,143,259 3,221,359
2,034,853 2,080,946
27,333,616 22,361,816
29
525.07 4.96 0.93%
2019 2018
6 30 12 31
8,198,717 7,116,493
8,077,726 11,799,812
10,935,325 10,117,686
17,496,041 17,828,393
6,172,084 5,062,908
703,305 –
23,250 23,250
900,741 1,054,209
52,507,189 53,002,751
30
665.73
34.59 4.94%
2019 2018
6 30 12 31
11,475,992 9,431,022
13,889,189 13,887,327
11,096,198 11,296,117
2,179,687 1,229,620
18,940,246 23,529,175
3,643,550 4,850,229
4,750,000 5,170,000
65,974,862 69,393,490
990,207 1,106,068
(391,801) (467,502)
66,573,268 70,032,056
31
(%)
16 05 2036-01-25 3.80 4,270,000 422
16 10 2026-09-05 3.18 2,780,000 273
18 11 2023-08-14 3.76 1,940,000 196
18 06 2028-05-11 4.65 1,920,000 197
17 10 2027-04-10 4.04 1,742,000 174
15 19 2036-01-12 3.88 1,500,000 157
17 05 2027-01-06 3.85 1,440,000 139
17 15 2027-09-08 4.39 1,330,000 132
16 10 2036-02-26 3.95 1,200,000 120
17 03 2027-03-20 4.11 1,170,000 115
4.1.3
2019 6 30
19,309,283 323 (273)
32
4.2
3,152.33 250.71 8.64%
2019 6 30 2018 12 31 2017 12 31
%
% % % %
188,360,223 59.75 177,911,247 61.31 5.87 (1.56) 160,083,783 57.14
14,900,225 4.73 11,632,982 4.01 28.09 0.72 24,901,934 8.89
10,186,784 3.23 10,878,835 3.75 (6.36) (0.52) 584,215 0.21
8,718,411 2.77 7,207,066 2.48 20.97 0.29 5,774,299 2.06
273 0.00 – – – 353,220 0.13
13,654,122 4.33 14,850,333 5.12 (8.06) (0.79) 11,899,583 4.25
18,021 0.01 13,174 0.01 36.79 – 57,167 0.02
75,161,060 23.84 65,240,507 22.48 15.21 1.36 68,632,691 24.50
4,233,746 1.34 2,427,634 0.84 74.40 0.50 7,865,991 2.80
315,232,865 100.00 290,161,778 100.00 8.64 – 280,152,883 100.00
33
4.2.1
1,883.60 104.49
5.87% 59.75% 1.56
2019 6 30 2018 12 31 2017 12 31
%
% % % %
126,830,494 68.24 118,644,749 67.54 6.90 0.70 107,274,155 67.01
73,178,464 39.37 72,852,694 41.47 0.45 (2.10) 65,421,504 40.87
53,652,030 28.87 45,792,055 26.07 17.16 2.80 41,852,651 26.14
58,836,530 31.66 56,898,658 32.39 3.41 (0.73) 52,225,500 32.62
18,603,287 10.01 18,313,340 10.43 1.58 (0.42) 17,935,483 11.20
40,233,243 21.65 38,585,318 21.96 4.27 (0.31) 34,290,017 21.42
194,129 0.10 131,519 0.07 47.61 0.03 566,193 0.36
8,824 0.00 923 0.00 856.01 0.00 17,935 0.01
185,869,977 100.00 175,675,849 100.00 5.80 0.00 160,083,783 100.00
2,490,246 / 2,235,398 / 11.40 /
188,360,223 / 177,911,247 / 5.87 / 160,083,783 /
49.38%
2.52 57.70%
3.71 31.62%
0.57
34
4.2.2
149.00 32.67
28.09%
4.2.3
101.87 6.92
6.36%
4.2.4
136.54 11.96
8.06%
4.2.5
751.61 99.21
15.21% 2019 5 80.00
31
35
4.3
299.98 25.01 9.10%
294.59 24.74 9.17% 2019
1 16 A 4.52
450,977,251 15.12
2019 2018
6 30 12 31
4,509,690 4,058,713
7,853,964 7,853,964
8,337,869 6,826,276
527,789 553,193
1,403,575 1,403,575
3,969,452 3,969,452
2,856,324 2,319,800
29,458,663 26,984,973
539,418 511,751
29,998,081 27,496,724
36
4.4
2018 2019
12 31 6 30
22,361,816 31,250 27,333,616
6,772,625 – 6,911 (3,736) 12,116,688
53,002,751 – 568,813 (63,809) 52,507,189
– 323 323
– (273) (273)
37
1,463.92
15.83% 24.59 3.42 1.68%
5.1
2019 6 30 2018 12 31
% %
137,288,966 93.78 117,153,054 92.69
6,644,194 4.54 7,116,638 5.63
1,151,310 0.79 1,158,565 0.92
1,167,164 0.80 806,110 0.64
140,724 0.09 152,503 0.12
146,392,358 100.00 126,386,870 100.00
2,459,198 1.68 2,117,178 1.68
0.13 0.79%
0.16 0.80%
38
5.2
2019 6 30 2018 12 31
% % % %
101,611,453 69.41 2,105,461 2.07 85,036,896 67.28 1,804,412 2.12
55,363,764 37.82 1,890,290 3.41 51,737,819 40.94 1,582,176 3.06
33,404,044 22.82 111,881 0.33 25,903,427 20.50 139,275 0.54
623,667 0.43 – – 517,563 0.41 – –
12,116,688 8.28 – – 6,772,625 5.36 – –
103,290 0.06 103,290 100.00 105,462 0.08 82,961 78.66
44,780,905 30.59 353,737 0.79 41,349,974 32.72 312,766 0.76
32,440,634 22.16 35,750 0.11 30,229,094 23.92 22,906 0.08
5,258,703 3.59 298,103 5.67 5,836,058 4.62 265,325 4.55
5,715,103 3.90 13,776 0.24 3,827,588 3.03 12,503 0.33
1,366,465 0.94 6,108 0.45 1,457,234 1.15 12,032 0.83
146,392,358 100.00 2,459,198 1.68 126,386,870 100.00 2,117,178 1.68
2.13
69.41% 0.05 2.07%
39
5.3
2019 6 30 2018 12 31
% % % %
101,611,453 69.41 2,105,461 2.07 85,036,896 67.28 1,804,412 2.12
19,556,702 13.36 1,487,347 7.61 18,805,454 14.88 1,243,740 6.61
14,817,399 10.12 72,290 0.49 10,788,346 8.54 93,000 0.86
11,940,692 8.16 314,646 2.64 9,654,849 7.64 198,476 2.06
11,423,823 7.80 106,911 0.94 8,849,735 7.00 102,600 1.16
11,200,358 7.65 7,119 0.06 8,169,559 6.46 33,309 0.41
10,624,867 7.26 – – 10,802,398 8.55 – –
7,744,938 5.29 – – 5,456,155 4.32 – –
6,806,196 4.65 112,148 1.65 4,887,249 3.86 100,287 2.05
5,010,241 3.42 5,000 0.10 4,711,898 3.73 5,000 0.11
2,486,237 1.70 – – 2,911,253 2.30 28,000 0.96
44,780,905 30.59 353,737 0.79 41,349,974 32.72 312,766 0.76
146,392,358 100.00 2,459,198 1.68 126,386,870 100.00 2,117,178 1.68
40
5.4
2019 6 30 2018 12 31
% % % %
146,392,358 100.00 2,459,198 1.68 126,386,870 100.00 2,117,178 1.68
83,146,818 56.81 729,944 0.88 72,941,750 57.72 624,440 0.86
5.5
2019 6 30 2018 12 31
% % % %
19,570,327 13.37 142,174 0.73 15,753,945 12.46 140,184 0.89
36,610,210 25.01 1,930,400 5.27 36,502,920 28.88 1,596,311 4.37
63,132,054 43.12 386,624 0.61 54,738,421 43.32 375,969 0.69
27,079,767 18.50 – – 19,391,584 15.34 4,714 0.02
146,392,358 100.00 2,459,198 1.68 126,386,870 100.00 2,117,178 1.68
3.16 18.50% 43.12%
0.16 0.73%
41
5.6
% %
A 1,800,000 4.70 1.25
B 1,500,000 3.92 1.02
C 1,430,000 3.73 0.98
D 1,332,500 3.48 0.91
E 1,128,908 2.95 0.77
F 969,140 2.53 0.66
G 909,900 2.38 0.62
H 900,000 2.35 0.61
I 840,588 2.19 0.57
J 825,000 2.15 0.56
11,636,036 30.38 7.95
42
5.7
2019 6 30 2018 12 31
% %
3 1,537,682 1.05 2,271,784 1.80
3 1 1,133,489 0.77 1,229,240 0.97
1 3 610,932 0.42 638,094 0.50
3 188,213 0.13 214,698 0.17
3,470,316 2.37 4,353,816 3.44
146,392,358 100.00 126,386,870 100.00
34.70 8.84
2.37% 1.07 90 15.38
44.31% 7.87
1 1 90
0.79 0.19
5.8
1,427.89
1,427.89
43
5.9
2018 1 1
12
2019 1-6 2018
3,557,806 3,127,265
1,382,222 2,213,707
(1,250,824) (1,764,332)
37,651 36,725
(27,701) (55,559)
3,699,154 3,557,806
36.99 1.41
3.97% 150.42% 2.53%
44
5.10
5.11
5.12 20%
20%
45
5.13
2019 6 30 2018 12 31
% %
366,664 0.25 317,536 0.25
146,392,358 100.00 126,386,870 100.00
6.1
16.20% 0.52
9.22% 0.83
A 4.51 19.63
46
2019 2018
6 30 12 31
4,509,690 4,058,713
8,337,869 6,826,276
527,789 553,193
1,403,575 1,403,575
3,969,452 3,969,452
2,856,324 2,319,800
343,094 302,744
(157,855) (165,153)
21,789,938 19,268,600
7,899,710 7,894,330
29,689,648 27,162,930
8,610,872 8,858,726
38,300,520 36,021,656
195,437,929 187,513,305
29,139,625 30,410,807
11,852,383 11,852,383
236,429,937 229,776,495
9.22% 8.39%
12.56% 11.82%
16.20% 15.68%
47
16.36% 0.60
9.19% 0.87
2019 2018
6 30 12 31
4,509,690 4,058,713
8,337,869 6,826,276
527,789 553,193
1,403,575 1,403,575
3,969,452 3,969,452
2,804,892 2,297,164
(665,451) (672,533)
20,887,816 18,435,840
7,853,964 7,853,964
28,741,780 26,289,804
8,425,983 8,640,628
37,167,764 34,930,432
186,403,673 179,519,234
29,139,625 30,410,807
11,651,288 11,651,288
227,194,586 221,581,329
9.19% 8.32%
12.65% 11.86%
16.36% 15.76%
48
6.2
4% 7.98%
2019 2018
6 30 12 31
1 345,230,946 317,658,502
2 – –
3 – –
4 18,278 –
5 – –
6 27,107,137 25,314,087
7 (157,855) (165,153)
8 372,198,506 342,807,436
49
2019 2018
6 30 12 31
1 345,230,623 317,358,240
2 (157,855) (165,153)
3 345,072,768 317,193,087
4 323 –
5 – –
6 – –
7 – –
8 – –
9 18,278 –
10 – –
11 18,601 –
12 – 300,262
13 – –
14 – –
15 – –
16 – 300,262
17 27,107,137 25,314,087
18 – –
19 27,107,137 25,314,087
20 29,689,648 27,162,930
21 372,198,506 342,807,436
22 7.98% 7.92%
50
2019 2019 2018 2018
6 30 3 31 12 31 9 30
(%) 7.98 8.45 7.92 7.93
29,689,648 29,819,904 27,162,930 26,404,872
372,198,506 352,899,833 342,807,436 332,929,600
(www.qdccb.com)
7.1
(%)
13,000 13,000 0.34 –
10,000 10,000 2.15 –
250 250 0.81 –
23,250 23,250 – –
4.1.2
51
7.2
7.3
7.4
4.4
7.5
4.1.2
7.6
4.1.3
7.7
H H
A A A
52
2019 1-6 2018 1-6
% %
2,336,421 51.52 1,580,842 50.50
950,593 20.96 658,612 21.04
1,079,937 23.82 820,480 26.21
167,617 3.70 70,177 2.25
4,534,568 100.00 3,130,111 100.00
2019 1-6 2018 1-6
% %
391,993 21.31 743,320 45.06
526,391 28.61 250,408 15.18
839,695 45.64 624,426 37.86
81,805 4.44 31,329 1.90
1,839,884 100.00 1,649,483 100.00
53
9.1
237.64
42
9.2
9.3
42(7)
9.4
-66.44 85.89
113.95 75.68
24.66
33.17 207.22
175.99
106.26 334.47
264.80
54
9.5 30%
2019 2018
1-6 1-6 (%)
3,144,543 1,736,292 81.11
614,082 373,336 64.49
580,810 342,487 69.59
15,362 94,640 (83.77)
8,312 5,445 52.65
4,534,568 3,130,111 44.87
(1,266,489) (964,113) 31.36
(1,428,195) (516,515) 176.51
27,667 9,432 193.33
(25,404) 421,494 (106.03)
2.03 1.47 38.10
2.06 1.35 52.59
55
2019 2018
6 30 12 31 (%)
323 –
– 300,262 (100.00)
273 –
18,021 13,174 36.79
4,233,746 2,427,634 74.40 9.02 IFRS 16
9.6
2019 2018
6 30 12 31
251,528 333,728 (82,200)
(1,003) (792) (211)
56
11.1 10%
10 90.06 11.01 1.63 0.74 0.56
3
11.2
11.3
2017 2 15
10 51%
57
12.1
+
12.2
12.2.1
9.51 44.33%
20.96%
58
1.
432.13 24.30
5.96% 1,439.16
9.62% 20 18.08 2.01
1,195.86
83.09% 2.14
588.37 19.38
3.41% 31.65% 186.03
2.90 1.58%
25 30.10
11.93 117.95 14.64
14.17%
54
1.16 39.90 273%
2.17 143%
59
80%
2.
447.81 34.31
8.30% 30.59% 65.21
13.18
324.41 22.12 7.32%
52.59 8,671
57.15 18.88 49.31%
11.03
3.91 55.01% 32.03%
2.55 5.13%
0.45 0.09
60
60
3.54 0.79%
3,118.90
14
1,564 10.40
3.53
76.01 65.33 69.11
11.36%
3.
200 7,896
834 11.81% 332.02
19.44 6.22%
10
26.98 2.85 17.79
0.42 126.14%
0.21
61
4.
DNA
12.2.2
23.36
47.80% 51.52%
1.
1,268.30
81.85 6.90% 68.24%
731.78 57.70%
2.
1,016.11
165.75 19.49% 69.41%
62
1,000 97.55
46.52% 36.58%
9,522 4,297
444.57 28.36 6.81%
106.40 11.55 12.18%
10.47% 56.84 3.36 6.28%
5.59%
3.
15.91 1.05
7.07%
6
63
4.
146 34
49.43 34%
18.69 17.97
25.41
2019
64
12.2.3
10.80 31.62%
23.82%
1.
1,449.15 12.11
0.84% 838.99 63.43
8.18%
609.93 69.15
10.18%
2.
150.32 28.78%
4.89% 21.31% 5.40
552.25 11.10%
17.96%
65
49,949.52
2019
32 11
X-REPO
X-REPO
3.
3.18
119.51% 846 833.13
215.08 34.80% 811
821.61 273.70 49.95%
35 11.52 58.63 83.58%
1,013 1,900.45
937 1,873.93 6.46%
98.60% 76 26.52
84.20% 1.40%
990.86
823.89 83.15% 99.55 10.05%
31.53 3.18% 35.89 3.62%
66
468.56 56.24%
48.94
54
37.62 25.02
95%
2018
6
4.
B
67
15 60.30 41.22%
12.2.4
1.
14 138 14
1 1 78
2.
104 301
57 166 78
270.85
77.27
3.
68
(1)
10.67
20.02% 653.69
90.15% 5,831.03 22.82%
72.83 0.66%
5,203.83 10.65% 1,903.59
40.67%
(2)
4.0
191.56 22.47% 3,122.35
5.39% 1,865.14
11.15%
69
415.26
64.96% 11.64
12.2.5
+ +
1.
IT 9
14
33
360
70
2.
(ISO27001)
3.
5G
12.2.3 3.
71
14.1
1.
2.
3.
4.
72
5.
6.
14.2
73
1.
2.
3.
4.
40(3)
74
14.3
1104
14.3.1
75
14.3.2
2019 6 30 2018 12 31
2019 2018
6 30 12 31
100 (508,669) (635,421)
100 508,669 635,421
1.
76
2.
3.
14.3.3
14.3.4
2019 6 30 2018 12 31
2019 2018
6 30 12 31
100 9,631 9,358
100 (9,631) (9,358)
1.
100
2.
77
3.
14.4
1.
2.
78
3. IT IT
4.
2019
15.1
2019
15.2
2019
15.3
(1)
(2)
(3)
79
(4)
(5)
(6)
80
1.1
2018 64.588547% 2019 2019
5 17 5 17
(http://www.cninfo.com.cn)
(http://www.hkexnews.hk)
(http://www.qdccb.com)
2018
2019-019
1.2
81
6.1
6.2
7
271.95
82
11.1
4
42.90
15.00 15.00 3.92%
9.50 9.50 2.48%
7.00 7.00 1.83%
3.83 3.83 1.00%
3.00 3.00 0.78%
– 2.20 2.20 0.57%
1.97 1.97 0.51%
0.28 0.28 0.07%
0.12 0.12 0.03%
83
2019
(1) 36.00
27.89
(2) 4.00
720.00 196.86
(3) 20.00
17.85 5,643.00
1,644.32
(4) 3,000.00
1,203.07
(5)
18.05 13.05 155.00
13.28
(6) 2.40
2.40
(7) 7.00
(8) 3.53 1.98
1.98
84
1
5% 2019
15.00
1.05% 5.76%
14A.87(1)
11.2
11.3
11.4
11.5
85
12.1
12.2
42
12.3
13.1
15 60.3
1.5
86
106.40
11.55 12.18% 4.0
13.2
13.3
(1)
87
(2)
88
(3)
– –
1. 345.30
2. –
3. –
– –
– –
1. – –
2. 4
3. 75.30
4. –
– –
1. 270.00
2. –
3. –
– –
1. 4
2. –
3. –
(4)
89
14.1
14.2
14.3
14.4
2019 8 23
2(3)
14.5
90
2019 4 23 2018
1.
2018
2.
46
91
3.
3.15
130 20
1,100 20
3 30
4.
92
1.1
2018 12 31 2019 6 30
2,295,677,769 56.56% 500 – – – 500 2,295,678,269 50.91%
1. – – – – – – – – –
2. 667,111,940 16.44% – – – 30,898,023 30,898,023 698,009,963 15.48%
3. 1,628,565,829 40.12% 500 – – (30,898,023) (30,897,523) 1,597,668,306 35.43%
1,576,753,870 38.85% – – – (29,259,629) (29,259,629) 1,547,494,241 34.31%
51,811,959 1.27% 500 – – (1,638,394) (1,637,894) 50,174,065 1.11%
4. – – – – – – – – –
– – – – – – – – –
– – – – – – – – –
1,763,034,980 43.44% 450,976,751 – – – 450,976,751 2,214,011,731 49.09%
1. – – 450,976,751 – – – 450,976,751 450,976,751 10.00%
2. – – – – – – – – –
3. 1,763,034,980 43.44% – – – – – 1,763,034,980 39.09%
4. – – – – – – – – –
4,058,712,749 100.00% 450,977,251 – – – 450,977,251 4,509,690,000 100.00%
1.
93
2.
3. 2019 1 A 4.51 19.63 2019 1 6
0.32 0.32 0.01 2019 6
4.79 4.71 0.08
1.2
1. 500
500 A
– – 500 500 2020 1 16
– – 500 500 – –
2.
94
1.3
2018 11 30
[2018]1727 450,977,251
A 2019 1 16 A
4.52 450,977,251
http://www.cninfo.com.cn/ 2019 1 18 A
117,461 –
95
5% 10
25.23% 1,137,872,880 13,000 – 1,137,872,880
13.85% 624,753,980 – – 624,753,980 – –
11.17% 503,556,341 – 503,556,341 – – –
9.08% 409,693,339 – 409,693,339 – – –
4.85% 218,692,010 – 218,692,010 – – –
3.37% 152,170,000 – 152,170,000 – 149,200,000
3.22% 145,297,405 – 145,297,405 – – –
2.97% 133,910,000 – 133,910,000 – – –
2.11% 94,967,581 – 94,967,581 – – –
2.02% 90,936,164 – 90,936,164 – – –
10
10
96
10
1,137,872,880 1,137,872,880
624,753,980 624,753,980
6,622,100 6,622,100
500
6,063,500 6,063,500
5,594,700 5,594,700
4,785,717 4,785,717
3,103,054 3,103,054
3,018,385 3,018,385
2,782,500 2,782,500
2,417,000 2,417,000
10
10 10
10 10
10
10
10
97
1. A 117,291 H 170
2.
H
3. H 622,306,980
H 2,447,000 H
2018 2019
4. 2019 6 20
5. 10 10
98
336 5%
A H
(9) (9) (9)
1 A 812,214,572 18.01 29.57 –
2 A 409,693,339 9.08 14.92 –
402,521,233 8.93 14.65 –
3 A 145,297,405 3.22 5.29 –
244,680,795 5.43 8.91 –
– A 218,692,010 4.85 7.96 –
4 A 503,556,341 11.17 18.33 –
4 A 503,556,341 11.17 18.33 –
5 A 152,170,000 3.37 5.54 –
5 A 152,170,000 3.37 5.54 –
5 A 152,170,000 3.37 5.54 –
99
A H
(9) (9) (9)
– H 624,753,980 13.85 – 35.44
L.R. Capital Management 6 H 401,800,000 8.91 – 22.79
Company (Cayman) Limited 196,882,000 4.37 – 11.17
L.R. Capital MNP Limited 6 H 401,800,000 8.91 – 22.79
196,882,000 4.37 – 11.17
6 H 401,800,000 8.91 – 22.79
CM International Capital Limited 6 H 401,800,000 8.91 – 22.79
CM International Capital Limited 6 H 401,800,000 8.91 – 22.79
L.R. Capital Holdings Limited 6 H 100,000,000 2.22 – 5.67
301,800,000 6.69 – 17.12
196,882,000 4.37 – 11.17
L.R. Capital Financial Holdings Limited 6 H 401,800,000 8.91 – 22.79
6 H 401,800,000 8.91 – 22.79
AMTD Asia (Holdings) Limited 6 H 401,800,000 8.91 – 22.79
AMTD Asia Limited 6 H 401,800,000 8.91 – 22.79
AMTD Strategic Capital Group 6 H 401,800,000 8.91 – 22.79
AMTD Investments Limited 6 H 401,800,000 8.91 – 22.79
AMTD Investment Solutions Limited 6 H 401,800,000 8.91 – 22.79
AMTD Strategic Investment Limited 6 H 301,800,000 6.69 – 17.12
AMTD Investment Solutions 6 H 100,000,000 2.22 – 5.67
Group Limited
100
A H
(9) (9) (9)
– H 200,000,000 4.43 – 11.34
7 H 100,000,000 2.22 – 5.67
7 H 100,000,000 2.22 – 5.67
7 H 100,000,000 2.22 – 5.67
– H 619,113,603 13.73 – 35.12
498,690,000 11.06 – 28.29
– H 196,882,000 4.37 – 11.17
Goncius I Limited – H 488,911,765 10.84 – 27.73
488,911,765 10.84 – 27.73
1. 812,214,572
2. 812,214,572 409,693,339
402,521,233
3. 2019 6 20
145,297,405 244,680,795
4.
5. 55% 45%
101
6. AMTD Strategic Investment Limited AMTD Investment Solutions Group Limited
301,800,000 100,000,000 AMTD Strategic Investment Limited AMTD Investment
Solutions Group Limited AMTD Investment Solutions Limited AMTD Investment
Solutions Limited AMTD Investments Limited AMTD Investments Limited AMTD
Strategic Capital Group AMTD Strategic Capital Group AMTD Asia Limited 79.13%
AMTD Asia Limited AMTD Asia (Holdings) Limited AMTD Asia (Holdings)
Limited L.R. Capital Financial Holdings Limited
71.03% L.R. Capital Financial Holdings Limited L.R. Capital Holdings Limited
CM International Capital Limited 65.10% 34.10% L.R. Capital Holdings Limited L.R.
Capital MNP Limited L.R. Capital MNP Limited L.R. Capital Management Company
(Cayman) Limited CM International Capital Limited CM International Capital Limited
CM International Capital Limited
AMTD Investment Solutions Limited AMTD Investments
Limited AMTD Strategic Capital Group AMTD Asia Limited AMTD Asia (Holdings) Limited
L.R Capital Financial Holdings Limited L.R. Capital Holdings Limited L.R. Capital
MNP Limited L.R. Capital Management Company (Cayman) Limited CM International Capital
Limited CM International Capital Limited
AMTD Strategic Investment Limited AMTD Investment Solutions Group Limited
7. 100,000,000
88%
8. 336
9. 2019 6 30 A H 4,509,690,000
2,746,655,020 1,763,034,980
336
5%
102
1980 3 24 31,118
8 812,214,572 A
18.01% 8
1
27.89
2007 1 5
Gian Maria GROS-PIETRO 90.85
4,100
1,100 730
25
624,753,980 H
13.85%
1
:
103
2008 7 17
30
2 603,556,341
A 503,556,341 H 100,000,000
13.38%
15.00
2003 1 2 10,001
2 401,800,000 H
8.91% L.R. Capital Financial Holdings
Limited
104
1
5% 10
The Bank of New York 100% 60,150,000 – – –
Depository (Nominees) Limited
10 10 10 10
105
22 37
106
56 2010 5 12 2021 5 14 500,000 – – 500,000 – – –
2010 5 12 2021 5 14
55 2012 3 31 2021 5 14 500,000 – – 500,000 – – –
2012 3 31 2021 5 14
54 2012 5 25 2021 5 14 500,000 – – 500,000 – – –
2007 9 5 2021 5 14
54 2016 12 13 2021 5 14 380,000 – – 380,000 – – –
2010 10 29 2021 5 14
52 2015 6 9 2021 5 14 – – – – – – –
Rosario STRANO 56 2012 6 15 2021 5 14 – – – – – – –
48 2012 5 25 2021 5 14 – 500 – 500 – – –
Marco MUSSITA 60 2011 12 22 2021 5 14 – – – – – – –
47 2018 6 27 2021 5 14 – – – – – – –
40 2016 12 13 2021 5 14 – – – – – – –
58 2015 6 9 2021 5 14 – – – – – – –
51 2015 6 9 2021 5 14 – – – – – – –
107
59 2016 12 13 2021 5 14 – – – – – – –
48 2017 7 24 2021 5 14 – – – – – – –
43 2018 6 27 2021 5 14 – – – – – – –
60 2016 12 15 2021 5 14 500,000 – – 500,000 – – –
2016 12 14 2021 5 14
45 2018 5 15 2021 5 14 – – – – – – –
51 2018 5 15 2021 5 14 370,301 – – 370,301 – – –
47 2015 4 10 2021 5 14 – – – – – – –
60 2015 4 10 2021 5 14 – – – – – – –
54 2018 5 15 2019 5 16 – – – – – – –
65 2015 4 10 2019 3 30 – – – – – – –
51 2007 9 5 2021 5 14 500,000 – – 500,000 – – –
59 2012 9 19 2021 5 14 – – – – – – –
51 2017 1 22 2021 5 14 350,000 – – 350,000 – – –
– – – – – – 3,600,301 500 – 3,600,801 – – –
(1) 500 A
(2)
108
2019 5 16
2019 3 30
1. 2019 3 26
2. 2019 7 3
3. 2019 3 6
00846
4. 2019 6 26
5. 2019 2 22
2019 3 1 ExcelNet 2019 7 1
Fusion Bank ExcelNet
109
352
A
A 500,000 0.01% 0.02%
A 500 0.00001% 0.00002%
A 500,000 0.01% 0.02%
A 500,000 0.01% 0.02%
A 500,000 0.01% 0.02%
A 380,000 0.01% 0.01%
A 370,301 0.01% 0.01%
4,509,690,000 A 2,746,655,020
352
110
5.1
5.1.1
3,794 722 19.03%
1,575 41.51% 1,497 39.46%
5.1.2
34.8 20 30 1,334 35.16%
30 40 1,540 40.59% 40 50 722
19.03% 50 198 5.22%
5.1.3
629 16.58% 11
2,707 71.35% 458
12.07%
5.1.4
1,736 45.76% 2,058 54.24%
5.1.5
291 7.67% 2,857 75.30%
646 17.03%
5.2
111
5.3
5.4
986 35,395
9
112
137
113
1 – 1 2,297 2,671.05
1 78
2 1 11 304 103.55
6
3 72 6 172 81.67
4 3-4 112 8 195 139.55
5 266 3 117 61.81
6 717 2 87 21.44
7 215 5 109 35.29
8 29 4 121 51.35
9 471 2 66 39.83
10 6636 2 110 87.72
7 124
11 57 1 52 11.58
12 1 65 33.03
9
13 24 – 57 21.97
14 237 – 42 8.82
114
8 1 7 38
42 24 2
5 5 2 1
7 2 26 30
4 1 3 14
39 5 4 1
12 29
115
22
116
118 210
2019 6 30 2019 6 30 6
34
34
2410
2019 6 30
34
2019 8 23
117
2019 6 30 6
6 30 6
2019 2018
6,825,818 5,453,245
(3,681,275) (3,716,953)
3 3,144,543 1,736,292
614,082 373,336
(33,272) (30,849)
4 580,810 342,487
5 15,362 94,640
6 785,541 951,247
7 8,312 5,445
4,534,568 3,130,111
8 (1,266,489) (964,113)
9 (1,428,195) (516,515)
1,839,884 1,649,483
10 (373,755) (318,607)
1,466,129 1,330,876
1,438,462 1,321,444
27,667 9,432
11 0.32 0.33
127 210
118
2019 6 30 6
6 30 6
2019 2018
1,466,129 1,330,876
– (1,005)
35(4) (76,063) 409,729
35(4) 50,659 12,770
(25,404) 421,494
1,440,725 1,752,370
1,413,058 1,742,938
27,667 9,432
127 210
119
2019 6 30
2019 2018
6 30 12 31
12 34,600,099 29,554,430
13 1,321,082 1,542,437
14 4,588,207 4,110,464
15 323 –
16 – 300,262
17 143,343,578 123,366,891
18 27,333,616 22,361,816
19 52,507,189 53,002,751
20 66,573,268 70,032,056
22 8,800,422 7,766,698
23 3,089,560 3,124,355
24 1,331,453 1,152,778
25 1,742,149 1,343,564
345,230,946 317,658,502
26 10,186,784 10,878,835
27 14,900,225 11,632,982
28 8,718,411 7,207,066
15 273 –
29 13,654,122 14,850,333
30 188,360,223 177,911,247
18,021 13,174
31 75,161,060 65,240,507
32 4,233,746 2,427,634
315,232,865 290,161,778
127 210
120
2019 6 30
2019 2018
6 30 12 31
33 4,509,690 4,058,713
34 7,853,964 7,853,964
35(1) 8,337,869 6,826,276
35(2) 1,403,575 1,403,575
35(3) 3,969,452 3,969,452
35(4) 527,789 553,193
36 2,856,324 2,319,800
29,458,663 26,984,973
539,418 511,751
29,998,081 27,496,724
345,230,946 317,658,502
2019 8 23
( )
127 210
121
2019 6 30 6
35(1) 35(2) 35(3) 35(4)
2019 1 1 4,058,713 7,853,964 6,826,276 1,403,575 3,969,452 553,193 2,319,800 26,984,973 511,751 27,496,724
– – – – – – 1,438,462 1,438,462 27,667 1,466,129
– – – – – (25,404) – (25,404) – (25,404)
– – – – – (25,404) 1,438,462 1,413,058 27,667 1,440,725
450,977 – 1,511,593 – – – – 1,962,570 – 1,962,570
36 – – – – – – (901,938) (901,938) – (901,938)
2019 6 30
4,509,690 7,853,964 8,337,869 1,403,575 3,969,452 527,789 2,856,324 29,458,663 539,418 29,998,081
35(1) 35(2) 35(3) 35(4)
2017 12 31 4,058,713 7,853,964 6,826,276 1,203,325 3,969,452 (885,449) 2,603,573 25,629,854 493,355 26,123,209
– – – – – 422,278 (791,031) (368,753) (1,641) (370,394)
2018 1 1 4,058,713 7,853,964 6,826,276 1,203,325 3,969,452 (463,171) 1,812,542 25,261,101 491,714 25,752,815
– – – – – – 1,321,444 1,321,444 9,432 1,330,876
– – – – – 421,494 – 421,494 – 421,494
– – – – – 421,494 1,321,444 1,742,938 9,432 1,752,370
36 – – – – – – (811,748) (811,748) – (811,748)
2018 6 30
4,058,713 7,853,964 6,826,276 1,203,325 3,969,452 (41,677) 2,322,238 26,192,291 501,146 26,693,437
127 210
122
2019 6 30 6
35(1) 35(2) 35(3) 35(4)
2017 12 31 4,058,713 7,853,964 6,826,276 1,203,325 3,969,452 (885,449) 2,603,573 25,629,854 493,355 26,123,209
– – – – – 422,278 (791,031) (368,753) (1,641) (370,394)
2018 1 1 4,058,713 7,853,964 6,826,276 1,203,325 3,969,452 (463,171) 1,812,542 25,261,101 491,714 25,752,815
– – – – – – 2,023,352 2,023,352 20,037 2,043,389
– – – – – 1,016,364 – 1,016,364 – 1,016,364
– – – – – 1,016,364 2,023,352 3,039,716 20,037 3,059,753
36 – – – 200,250 – – (200,250) – – –
36 – – – – – – (1,315,844) (1,315,844) – (1,315,844)
2018 12 31
4,058,713 7,853,964 6,826,276 1,403,575 3,969,452 553,193 2,319,800 26,984,973 511,751 27,496,724
127 210
123
2019 6 30 6
6 30 6
2019 2018
1,839,884 1,649,483
1,428,195 516,515
212,737 196,286
(14,385) (395,158)
582 (40)
(31,300) 362,083
– (1,100)
(754,291) (1,312,230)
1,257,153 1,328,313
(2,685,687) (2,533,920)
(27,701) (29,876)
1,225,187 (219,644)
795,841 (1,001,385)
200,000 (200,000)
7,542 (1,065,070)
(21,291,600) (9,896,545)
300,000 859,200
(1,074,973) (2,003,067)
(102,093) (290,288)
(21,165,283) (13,597,155)
127 210
124
2019 6 30 6
6 30 6
2019 2018
(749,709) 2,522,919
3,270,197 (1,910,575)
1,533,428 1,557,166
(1,194,617) 7,000,483
10,194,128 6,115,828
(463,843) (148,084)
706,149 623,576
13,295,733 15,761,313
(6,644,363) 1,944,514
35,112,823 52,712,059
3,645,625 3,748,339
301 1,907
(35,282,062) (32,310,321)
(159,286) (112,592)
3,317,401 24,039,392
1,962,570 –
44,598,684 40,540,627
(35,530,000) (62,010,000)
(405,284) (542,930)
(62) (808,788)
10,625,908 (22,821,091)
127 210
125
2019 6 30 6
6 30 6
2019 2018
7,115 131,232
7,306,061 3,294,047
1 1 10,212,182 9,678,330
6 30 37 17,518,243 12,972,377
4,305,389 2,973,099
(2,138,247) (2,208,163)
127 210
126
1
[1996] 220 [1996] 353
1996 11 15
[1998] 76 1998
[2007] 485
2008
B0170H237020001
91370200264609602K
6 3 H 2015 12 3866
A 2019 1 002948 2019 6 30
45.10
2019 6 30
14
21
2
(1)
34 2019 8 23
2018 12 31
2410
127
2
(2)
34
2018 12 31
(3)
2018 12 31
2019
2019 1 1 16 IFRS 16
2019 1 1
IFRS 16 IFRS 16
(a)
17 IAS 17
IFRS 16
IFRS 16 IFRS 16
128
2
12
IFRS 16
IFRS 16
(b)
IFRS 16
IFRS 16
IFRS 16
129
2
(c) 2019 1 1 IFRS 16
4.59 8.97
2019 1 1
3.91%
2018 12 31
519,427
2019 1 1 444,751
2019 1 1 IFRS 16 458,964
(14,213)
130
3
6 30 6
2019 2018
168,832 188,787
8,670 9,671
142,484 52,706
2,127,391 1,596,552
1,102,518 711,262
212,008 104,800
133,225 123,596
2,685,687 2,534,605
245,003 131,266
6,825,818 5,453,245
(190,952) (422,665)
(207,222) (150,016)
(1,591,835) (1,432,119)
(261,599) (296,938)
(1,257,153) (1,328,313)
(172,514) (86,902)
(3,681,275) (3,716,953)
3,144,543 1,736,292
4
6 30 6
2019 2018
318,278 144,994
155,930 128,835
37,535 17,402
17,798 16,423
84,541 65,682
614,082 373,336
(33,272) (30,849)
580,810 342,487
131
5
6 30 6
2019 2018
(i) 16,918 91,793
(ii) (1,606) 2,847
50 –
15,362 94,640
(i)
(ii)
6
6 30 6
2019 2018
512,826 944,090
272,715 6,057
– 1,100
785,541 951,247
7
6 30 6
2019 2018
4,173 3,868
1,033 1,033
(582) 40
3,688 504
8,312 5,445
132
8
6 30 6
2019 2018
492,444 311,516
50,382 40,956
34,804 28,579
12,420 7,923
15,136 6,338
87,932 69,205
3,720 9,380
696,838 473,897
212,737 196,286
35,349 39,309
35,225 32,203
283,311 267,798
49,349 35,454
236,991 186,964
1,266,489 964,113
9
6 30 6
2019 2018
1,382,222 526,238
51 474
(4,029) 8,089
(122) (362)
(75,701) (36,311)
63,809 7,438
58,718 16,135
(3,905) (15,836)
7,152 10,650
1,428,195 516,515
133
10
(1)
6 30 6
2019 2018
543,962 331,162
24(2) (170,207) (12,555)
373,755 318,607
(2)
6 30 6
2019 2018
1,839,884 1,649,483
25% 25%
459,971 412,371
2,136 3,723
1,296 1,409
1,072 2,219
4,504 7,351
(i) (90,720) (101,115)
373,755 318,607
(i)
134
11
6 30 6
2019 2018
11(1) 4,434,527 4,058,713
1,438,462 1,321,444
– –
1,438,462 1,321,444
0.32 0.33
34 2017 9 19 60,150,000 2019 6 30
78.54
9 19
2019 6 30 6 2019 9
2018 9
5.04
(1)
6 30 6
2019 2018
4,058,713 4,058,713
375,814 –
4,434,527 4,058,713
135
12
2019 2018
6 30 12 31
504,261 451,273
12(1) 19,942,664 20,808,743
12(2) 14,045,254 8,256,128
97,230 26,992
34,085,148 29,091,863
10,690 11,294
34,600,099 29,554,430
(1)
2019 2018
6 30 12 31
11.0% 12.0%
5.0% 5.0%
(2)
136
13
2019 2018
6 30 12 31
1,006,585 1,239,298
4,146 7,962
309,181 285,941
1,894 9,909
1,321,806 1,543,110
(724) (673)
1,321,082 1,542,437
14
2019 2018
6 30 12 31
– 233,486
4,508,825 3,801,365
86,976 87,236
4,595,801 4,122,087
(7,594) (11,623)
4,588,207 4,110,464
15
137
16
(1)
2019 2018
6 30 12 31
– 300,000
– 384
– 300,384
– (122)
– 300,262
(2)
2019 2018
6 30 12 31
– 300,000
– 384
– 300,384
– (122)
– 300,262
138
17
(1)
2019 2018
6 30 12 31
89,494,765 78,264,271
89,494,765 78,264,271
32,440,634 30,229,094
5,258,703 5,836,058
5,715,103 3,827,588
1,366,465 1,457,234
44,780,905 41,349,974
630,061 521,250
12 (1,299,395) (1,276,373)
(1,201,830) (1,277,670)
(1,177,616) (987,186)
(3,678,841) (3,541,229)
12,116,688 6,772,625
143,343,578 123,366,891
139
17
(2)
2019 6 30
19,556,702 13.36% 6,264,869
14,817,399 10.12% 5,480,561
11,940,692 8.16% 9,302,232
11,423,823 7.80% 10,333,631
11,200,358 7.65% 5,548,480
10,624,867 7.26% 5,987,711
7,744,938 5.29% 3,457,389
5,010,241 3.42% 985,362
2,486,237 1.70% 699,237
6,806,196 4.65% 3,957,640
101,611,453 69.41% 52,017,112
44,780,905 30.59% 38,194,710
146,392,358 100.00% 90,211,822
2018 12 31
18,805,454 14.88% 4,287,884
10,802,398 8.55% 5,894,822
10,788,346 8.54% 3,833,353
9,654,850 7.64% 6,700,785
8,849,735 7.00% 7,525,135
8,169,559 6.46% 4,571,741
5,456,155 4.32% 1,206,182
4,711,898 3.73% 919,631
2,911,253 2.30% 1,023,463
4,887,248 3.86% 1,803,082
85,036,896 67.28% 37,766,078
41,349,974 32.72% 36,363,927
126,386,870 100.00% 74,130,005
140
17
(3)
2019 2018
6 30 12 31
19,570,326 15,753,945
36,610,210 36,502,920
63,132,054 54,738,421
27,079,768 19,391,584
146,392,358 126,386,870
(4)
2019 6 30
3 3 1 1 3
3 1 3 3
44,993 16,695 104,001 17,246 182,935
1,220,179 1,014,295 414,982 23,966 2,673,422
272,510 102,498 91,949 147,001 613,958
1,537,682 1,133,488 610,932 188,213 3,470,315
1.05% 0.77% 0.42% 0.13% 2.37%
2018 12 31
3 3 1 1 3
3 1 3 3
15,582 119,133 3,775 17,129 155,619
2,055,750 1,057,182 467,798 36,332 3,617,062
197,952 48,211 166,521 161,237 573,921
2,500 4,714 – – 7,214
2,271,784 1,229,240 638,094 214,698 4,353,816
1.80% 0.97% 0.50% 0.17% 3.44%
1 1
141
17
(5)
2019 6 30 2018 12 31
(i)
2019 6 30
12
125,622,743 6,809,817 2,473,171 134,905,731
(1,299,395) (1,201,830) (1,177,616) (3,678,841)
124,323,348 5,607,987 1,295,555 131,226,890
2018 12 31
12
110,813,316 7,205,001 2,117,178 120,135,495
(1,276,373) (1,277,670) (987,186) (3,541,229)
109,536,943 5,927,331 1,129,992 116,594,266
142
17
(ii)
2019 6 30
12
12,116,688 – – 12,116,688
(20,313) – – (20,313)
2018 12 31
12
6,772,625 – – 6,772,625
(16,577) – – (16,577)
143
17
(6)
2019 6 30 6 2018
(i)
2019 6 30 6
12
2019 1 1 1,276,373 1,277,670 987,186 3,541,229
12 17,660 (17,515) (145) –
(25,726) 26,573 (847) –
(4,609) (574,892) 579,501 –
35,697 489,994 852,795 1,378,486
– – (1,250,824) (1,250,824)
– – 37,651 37,651
– – (27,701) (27,701)
2019 6 30 1,299,395 1,201,830 1,177,616 3,678,841
2018
12
2018 1 1 1,550,587 717,619 844,871 3,113,077
12 8,805 (8,216) (589) –
(61,501) 118,428 (56,927) –
(22,913) (236,336) 259,249 –
(198,605) 686,175 1,723,748 2,211,318
– – (1,764,332) (1,764,332)
– – 36,725 36,725
– – (55,559) (55,559)
2018 12 31 1,276,373 1,277,670 987,186 3,541,229
144
17
(ii)
2019 6 30 6
12
2019 1 1 16,577 – – 16,577
3,736 – – 3,736
2019 6 30 20,313 – – 20,313
2018
12
2018 1 1 14,188 – – 14,188
2,389 – – 2,389
2018 12 31 16,577 – – 16,577
44
2019 6 30 6 2018
0.46 0.15 0.47
0.17
145
18
2019 2018
6 30 12 31
518,043 206,985
31,703 30,295
549,746 237,280
12,829,787 7,467,620
8,775,971 9,354,611
3,143,259 3,221,359
2,034,853 2,080,946
27,333,616 22,361,816
27,333,616 22,361,816
19
2019 2018
6 30 12 31
8,198,717 7,116,493
8,077,726 11,799,812
10,935,325 10,117,686
17,496,041 17,828,393
44,707,809 46,862,384
6,172,084 5,062,908
703,305 –
19(1) 23,250 23,250
900,741 1,054,209
52,507,189 53,002,751
19(2) 8,849,869 306,226
8,849,869 306,226
43,657,320 52,696,525
52,507,189 53,002,751
146
19
(1)
2019 6 30 6
(%)
13,000 – – 13,000 0.34 1,100
10,000 – – 10,000 2.15 –
250 – – 250 0.81 –
23,250 – – 23,250 1,100
2019 6 30 6 2018
(2)
147
19
(3) 2019 6 30 6
2018
2019 6 30 6
12
2019 1 1 32,672 19,122 – 51,794
(595) 595 – –
– (1,246) 1,246 –
(3,270) 46,407 20,672 63,809
2019 6 30 28,807 64,878 21,918 115,603
2018
12
2018 1 1 18,579 6,252 – 24,831
(33) 33 – –
14,126 12,837 – 26,963
2018 12 31 32,672 19,122 – 51,794
148
20
2019 2018
6 30 12 31
11,475,992 9,431,022
13,889,189 13,887,327
11,096,198 11,296,117
2,179,687 1,229,620
38,641,066 35,844,086
18,940,246 23,529,175
3,643,550 4,850,229
4,750,000 5,170,000
27,333,796 33,549,404
990,207 1,106,068
20(1) (391,801) (467,502)
66,573,268 70,032,056
20(2) 2,123,930 1,114,690
2,123,930 1,114,690
64,449,338 68,917,366
66,573,268 70,032,056
149
20
(1) 2019 6 30 6 2018
2019 6 30 6
12
2019 1 1 398,696 68,806 – 467,502
(104,375) 28,674 – (75,701)
2019 6 30 294,321 97,480 – 391,801
2018
12
2018 1 1 379,756 – – 379,756
(2,335) 2,335 – –
21,275 66,471 – 87,746
2018 12 31 398,696 68,806 – 467,502
(2)
21
2019 2018
6 30 12 31
510,000 510,000
2019 6 30 2018 12 31
51.00% 51.00% 1,000,000 510,000
2017 2 15
10
150
22
2019 2018
6 30 12 31
9,810,374 8,636,534
(901,944) (803,079)
8,908,430 7,833,455
88,077 70,610
8,996,507 7,904,065
12 (171,799) (137,367)
(24,286) –
8,800,422 7,766,698
2019 6 30 6 2018
2019 6 30 6
12
2019 1 1 137,367 – – 137,367
(1,855) – 1,855 –
36,287 – 22,431 58,718
2019 6 30 171,799 – 24,286 196,085
2018
12
2018 1 1 72,855 – – 72,855
64,512 – – 64,512
2018 12 31 137,367 – – 137,367
151
22
2019 6 30 2018 12 31
1 1 4,223,291 (444,479) 3,778,812 3,787,333 (383,029) 3,404,304
1 2 2 2,435,171 (262,011) 2,173,160 2,039,339 (224,104) 1,815,235
2 3 3 1,988,352 (138,254) 1,850,098 1,577,474 (129,353) 1,448,121
3 5 5 1,059,538 (53,178) 1,006,360 1,232,388 (66,593) 1,165,795
104,022 (4,022) 100,000 – – –
9,810,374 (901,944) 8,908,430 8,636,534 (803,079) 7,833,455
152
23
2018 1 1 2,875,112 484,861 59,653 79,267 210,263 3,709,156
64,850 91,908 4,809 9,426 59,161 230,154
(4,450) (10,361) (1,507) (2,561) (59,221) (78,100)
2018 12 31 2,935,512 566,408 62,955 86,132 210,203 3,861,210
5,065 26,097 625 2,930 – 34,717
– (7,681) – (3,172) – (10,853)
2019 6 30 2,940,577 584,824 63,580 85,890 210,203 3,885,074
2018 1 1 (238,066) (290,496) (40,919) (50,658) – (620,139)
(59,305) (55,233) (6,545) (9,131) – (130,214)
– 9,640 1,432 2,426 – 13,498
2018 12 31 (297,371) (336,089) (46,032) (57,363) – (736,855)
(30,597) (30,807) (2,871) (4,354) – (68,629)
– 7,226 – 2,744 – 9,970
2019 6 30 (327,968) (359,670) (48,903) (58,973) – (795,514)
2019 6 30 2,612,609 225,154 14,677 26,917 210,203 3,089,560
2018 12 31 2,638,141 230,319 16,923 28,769 210,203 3,124,355
2019 6 30 2018 12 31
2019 6 30 2018 12 31
1,249 17.14
153
23
2019 2018
6 30 12 31
50 17,281 17,476
(10 50 2,592,742 2,618,001
10 2,586 2,664
2,612,609 2,638,141
24
(1)
2019 6 30 2018 12 31
4,930,240 1,232,560 4,415,420 1,103,855
220,128 55,032 143,040 35,760
(165,788) (41,447) (235,904) (58,976)
341,232 85,308 288,556 72,139
5,325,812 1,331,453 4,611,112 1,152,778
154
24
(2)
(i) (ii)
2017 12 31 643,909 16,584 382,137 41,656 1,084,286
184,651 – (96,448) 35,262 123,465
2018 1 1 828,560 16,584 285,689 76,918 1,207,751
282,633 19,176 (12,383) (5,611) 283,815
(7,338) – (332,282) 832 (338,788)
2018 12 31 1,103,855 35,760 (58,976) 72,139 1,152,778
145,591 19,272 (7,825) 13,169 170,207
(16,886) – 25,354 – 8,468
2019 6 30 1,232,560 55,032 (41,447) 85,308 1,331,453
(i)
(ii)
155
25
2019 2018
6 30 12 31
25(1) 847,833 –
182,211 566,276
169,506 101,521
25(2) 157,855 165,153
113,113 113,459
25(3) 17,375 37,299
(i) 14,279 10,501
6,827 53,718
234,153 296,429
1,743,152 1,344,356
(1,003) (792)
1,742,149 1,343,564
(i) 2019 6 30 2018 12 31
(1)
2019 1 1 892,651 4,114 896,765
12,041 – 12,041
2019 6 30 904,692 4,114 908,806
2019 1 1 – – –
(60,647) (326) (60,973)
2019 6 30 (60,647) (326) (60,973)
2019 6 30 844,045 3,788 847,833
2019 1 1 892,651 4,114 896,765
156
25
(2)
2019
6 30
2018
419,222 382,281
26,261 36,941
445,483 419,222
(254,069) (184,827)
(33,559) (69,242)
(287,628) (254,069)
165,153 197,454
157,855 165,153
(3)
2019 2018
6 30 12 31
17,375 37,299
17,375 37,299
26
2019 2018
6 30 12 31
9,000,000 10,000,000
1,029,301 779,010
157,483 99,825
10,186,784 10,878,835
157
27
2019 2018
6 30 12 31
2,078,109 3,590,947
12,744,783 7,961,748
77,333 80,287
14,900,225 11,632,982
28
2019 2018
6 30 12 31
8,538,287 6,761,699
100,000 –
– 343,160
80,124 102,207
8,718,411 7,207,066
29
(1)
2019 2018
6 30 12 31
– 5,350,000
13,651,515 9,496,131
2,607 4,202
13,654,122 14,850,333
158
29
(2)
2019 2018
6 30 12 31
11,693,491 13,632,100
1,958,024 1,214,031
2,607 4,202
13,654,122 14,850,333
30
2019 2018
6 30 12 31
73,178,464 72,852,694
18,603,287 18,313,340
91,781,751 91,166,034
53,652,030 45,792,055
40,233,243 38,585,318
93,885,273 84,377,373
194,129 131,519
8,824 923
2,490,246 2,235,398
188,360,223 177,911,247
9,901,615 8,825,215
31
2019 2018
6 30 12 31
(i) 19,685,532 15,188,606
(ii) 55,224,668 49,708,055
250,860 343,846
75,161,060 65,240,507
159
31
(i)
(a) 2015 3 10 22 5.59%
2025 3 5 5 2019 6 30
22.32 2018 12 31 21.84
(b) 2016 3 3 35 3.25%
2019 3 14 2018 12 31 34.99
(c) 2016 3 5 5 3.40%
2021 3 14 2019 6 30 4.99 2018 12 31
4.93
(d) 2016 11 3 30 3.30%
2019 11 24 2019 6 30 30.03 2018 12
31 29.90
(e) 2016 11 5 10 3.40%
2021 11 24 2019 6 30 9.92 2018 12
31 9.81
(f) 2017 6 10 30 5.00%
2027 6 29 5 2019 6 30
29.06 2018 12 31 28.34
(g) 2017 7 10 20 5.00%
2027 7 14 5 2019 6 30
19.36 2018 12 31 18.89
(h) 2019 5 3 30 3.65%
2022 5 22 2019 6 30 29.88
(i) 2019 5 5 10 3.98%
2024 5 22 2019 6 30 9.97
(j) 2019 5 3 30 3.70%
2022 5 31 2019 6 30 29.92
(k) 2019 5 5 10 3.98%
2024 5 31 2019 6 30 9.97
(ii) 2019
6 30 2018 12 31 552.65 497.27
160
32
2019 2018
6 30 12 31
917,229 15,353
32(1) 648,736 755,237
626,161 392,684
484,506 143,327
32(2) 440,843 –
400,710 267,379
32(3) 126,263 106,534
32(4) 101,059 104,964
488,239 642,156
4,233,746 2,427,634
(1)
2019 2018
6 30 12 31
523,692 640,704
174 145
32,184 20,034
18,926 18,504
130 150
73,630 75,700
648,736 755,237
(2)
2019
6 30
1 1 109,054
1 2 2 102,174
2 3 3 84,426
3 5 5 133,814
5 81,089
2019 6 30 510,557
2019 6 30 440,843
161
32
(3)
2019 2018
6 30 12 31
110,621 94,462
14,963 11,397
679 675
126,263 106,534
(4)
2019 6 30 6 2018
2019 6 30 6
12
2019 1 1 103,845 1,101 18 104,964
(373) 373 – –
– (2) 2 –
(9,006) 5,087 14 (3,905)
2019 6 30 94,466 6,559 34 101,059
2018
12
2018 1 1 136,891 4,152 7 141,050
12 3,239 (3,239) – –
(1,872) 1,872 – –
(34,413) (1,684) 11 (36,086)
2018 12 31 103,845 1,101 18 104,964
162
33
2019 2018
6 30 12 31
4,509,690 4,058,713
2019 1 4.52 4.51 1
15.12 45.10
83.38
34
(1)
2017 5.5% 20 60,150 1,203,000 7,883,259
9 19
7,883,259
(29,295)
7,853,964
(2)
(a)
5
(b)
(c)
163
34
(d)
(e)
5.125%
H 5.125%
H
H H
(1) (2)
(f)
5
(g)
164
34
(3)
2019 1 1 2019 6 30
60,150 7,853,964 – – 60,150 7,853,964
2018 1 1 2018 12 31
60,150 7,853,964 – – 60,150 7,853,964
(4)
2019 2018
6 30 12 31
29,458,663 26,984,973
21,604,699 19,131,009
7,853,964 7,853,964
539,418 511,751
539,418 511,751
35
(1)
(2)
10%
50%
165
35
(3)
2012 7 1 2012 3
[2012] 20
1.5%
2018 12 31 39.69
1.5%
(4)
2019 6 30 6
(5,941) – – – – (5,941)
507,856 171,298 (272,715) 25,354 (76,063) 431,793
51,278 97,613 (30,068) (16,886) 50,659 101,937
553,193 268,911 (302,783) 8,468 (25,404) 527,789
166
35
2018
(3,443) (3,330) – 832 (2,498) (5,941)
(488,992) 1,441,431 (112,301) (332,282) 996,848 507,856
29,264 59,104 (29,752) (7,338) 22,014 51,278
(463,171) 1,497,205 (142,053) (338,788) 1,016,364 553,193
36
(1) 2019 5 17 2018 2018 12 31
– 2.00
– 0.20 9.02
(2) 2018 8 24
5.50% 7,351.67
2018 9 19 5.04
167
36
(3) 2018 5 15 2017 2017 12 31
– 1.90
– 2.73
– 0.20 8.12
37
2019 6 30 2018 6 30
504,261 605,639
14,045,254 7,428,492
1,319,912 2,268,141
653,097 2,272,043
995,719 398,062
17,518,243 12,972,377
168
38
(1)
(a)
5%
2019 2018
6 30 12 31
Intesa Sanpaolo S.p.A. 624,754 13.85% 15.39% Gian Maria
GROS-PIETRO
503,556 11.17% 12.41%
409,693 9.08% 10.09%
AMTD Strategic Investment 301,800 6.69% 7.44%
Limited AMTD
218,692 4.85% 5.39%
(i) 2019 1 4.51 5%
169
38
AMTD
2018 1 1 623,909 15.37% 503,556 12.41% 409,693 10.09% 301,800 7.44% 218,692 5.39%
845 0.02% – – – – – – – –
2018 12 31 624,754 15.39% 503,556 12.41% 409,693 10.09% 301,800 7.44% 218,692 5.39%
– (1.54%) – (1.24%) – (1.01%) – (0.75%) – (0.54%)
2019 6 30 624,754 13.85% 503,556 11.17% 409,693 9.08% 301,800 6.69% 218,692 4.85%
2019 6 30 2018 12 31
90.85 90.85
20.00 20.00
2.52 2.52
AMTD 1 1
(b)
21
(c)
170
38
(2)
(a)
(i)
AMTD
2019 6 30
(ii) – 1,502,400 300,525 – 757,418 13,503 2,573,846 1.75%
(iii) – – 951,300 – – – 951,300 1.42%
– – – – 209,734 – 209,734 0.40%
– – – 2,435,724 – – 2,435,724 8.91%
855 – – – – – 855 0.06%
– – 713,401 – – – 713,401 15.52%
230,015 361,194 521,927 – 304,073 30,215 1,447,424 0.77%
– – 1,522 – 1,699 – 3,221 0.02%
(iv) – – 18 – – – 18 0.00%
2019 6 30
6
– 57,897 38,563 – 17,610 282 114,352 1.68%
1,743 7,347 2,073 – 468 666 12,297 0.33%
– – 10,859 – – 16,576 27,435 4.47%
– – – 90,836 – – 90,836 12.07%
171
38
(i)
AMTD
2018 12 31
(ii) – 1,502,647 300,578 – 456,412 13,476 2,273,113 1.79%
(iii) – – 1,712,538 – – – 1,712,538 2.43%
– – – – 310,108 – 310,108 0.59%
– – – 2,435,724 – – 2,435,724 10.89%
270 – – – – – 270 0.02%
– – 830,722 – – – 830,722 20.15%
253,749 1,312,963 242,432 – 314,764 54,144 2,178,052 1.22%
– – 1,376 – 230 – 1,606 0.01%
(iv) – – 212,933 – – – 212,933 8.83%
2018 6 30
6
2,475 25,748 44,478 – 17,061 234 89,996 1.65%
516 384 991 – 1,619 446 3,956 0.11%
– – 12,104 – – – 12,104 3.24%
– – – – 345 – 345 25.07%
172
38
(i)
(ii)
2019 6 30 2018 12 31
1,500,000 1,500,000
748,500 450,000
300,000 300,000
5,000 5,000
3,064 –
13,451 13,447
2,570,015 2,268,447
(iii)
2019 6 30 2018 12 31
950,000 960,000
– 750,000
950,000 1,710,000
(iv)
2019 6 30 2018 12 31
18 211,933
– 1,000
18 212,933
173
38
(b)
2019 6 30 2018 12 31
131,485 39,932
6 30 6
2019 2018
– 3,833
613 567
– 9
1,456 3,306
(3)
6 30 6
2019 2018
7,147 7,991
2019 6 30 2019
6 30
2019 6 30 8 2018 12 31 9
38(2)
174
39
175
39
2019 6 30 6
1,669,701 461,723 921,523 91,596 3,144,543
538,830 193,955 (732,785) – –
2,208,531 655,678 188,738 91,596 3,144,543
121,282 289,111 100,073 70,344 580,810
3,213 4,309 7,840 – 15,362
2,341 – 783,200 – 785,541
1,054 1,495 86 5,677 8,312
2,336,421 950,593 1,079,937 167,617 4,534,568
(628,250) (347,334) (263,811) (27,094) (1,266,489)
(1,316,178) (76,868) 23,569 (58,718) (1,428,195)
391,993 526,391 839,695 81,805 1,839,884
(84,612) (120,143) (6,933) (1,049) (212,737)
63,666 90,403 5,217 – 159,286
2019 6 30
134,328,158 58,353,250 142,392,578 8,825,507 343,899,493
1,331,453
345,230,946
139,357,738 62,130,626 105,837,507 7,905,574 315,232,865
20,147,300 3,617,025 – – 23,764,325
176
39
2018 6 30 6
981,280 184,752 541,643 28,617 1,736,292
565,316 343,801 (904,725) (4,392) –
1,546,596 528,553 (363,082) 24,225 1,736,292
33,786 129,077 137,343 42,281 342,487
– – 94,640 – 94,640
(271) – 951,518 – 951,247
731 982 61 3,671 5,445
1,580,842 658,612 820,480 70,177 3,130,111
(473,014) (251,660) (216,726) (22,713) (964,113)
(364,508) (156,544) 20,672 (16,135) (516,515)
743,320 250,408 624,426 31,329 1,649,483
(80,786) (108,411) (6,701) (388) (196,286)
46,344 62,192 3,844 212 112,592
2018 12 31
103,982,904 53,224,994 151,498,294 7,799,532 316,505,724
1,152,778
317,658,502
131,071,510 59,123,648 93,135,714 6,830,906 290,161,778
17,013,157 1,698,681 – – 18,711,838
177
40
(1)
(a)
178
40
11
42(1)
42(1)
179
40
(b)
12
30
180
40
90
90
12
(PD) (EAD) (LGD)
12
12
181
40
2019 6 30
12
182
40
(c)
6
(d)
183
40
(e)
2019 6 30 2018 12 31
34,095,838 29,103,157
1,321,082 1,542,437
4,588,207 4,110,464
323 –
– 300,262
143,343,578 123,366,891
14,503,829 14,894,196
52,483,939 52,979,501
66,573,268 70,032,056
8,800,422 7,766,698
250,525 332,936
325,961,011 304,428,598
23,764,325 18,711,838
349,725,336 323,140,436
184
40
(f)
2019 6 30
34,600,099 – – 34,600,099 – – – –
1,321,806 – – 1,321,806 (724) – – (724)
4,595,801 – – 4,595,801 (7,594) – – (7,594)
81,313,930 6,585,216 2,119,434 90,018,580 (1,132,569) (1,181,976) (997,656) (3,312,201)
44,308,813 224,601 353,737 44,887,151 (166,826) (19,854) (179,960) (366,640)
66,447,042 518,027 – 66,965,069 (294,321) (97,480) – (391,801)
8,893,820 – 102,687 8,996,507 (171,799) – (24,286) (196,085)
241,481,311 7,327,844 2,575,858 251,385,013 (1,773,833) (1,299,310) (1,201,902) (4,275,045)
2019 6 30
12,116,688 – – 12,116,688 (20,313) – – (20,313)
50,381,238 2,061,028 41,673 52,483,939 (28,807) (64,878) (21,918) (115,603)
62,497,926 2,061,028 41,673 64,600,627 (49,120) (64,878) (21,918) (135,916)
23,625,202 138,748 375 23,764,325 (94,466) (6,559) (34) (101,059)
185
40
2018 12 31
29,554,430 – – 29,554,430 – – – –
1,543,110 – – 1,543,110 (673) – – (673)
4,122,087 – – 4,122,087 (11,623) – – (11,623)
300,384 – – 300,384 (122) – – (122)
69,940,848 6,939,668 1,804,412 78,684,928 (1,126,657) (1,233,761) (811,122) (3,171,540)
40,872,468 265,333 312,766 41,450,567 (149,716) (43,909) (176,064) (369,689)
70,036,794 462,764 – 70,499,558 (398,696) (68,806) – (467,502)
7,904,065 – – 7,904,065 (137,367) – – (137,367)
224,274,186 7,667,765 2,117,178 234,059,129 (1,824,854) (1,346,476) (987,186) (4,158,516)
2018 12 31
6,772,625 – – 6,772,625 (16,577) – – (16,577)
51,654,675 1,324,826 – 52,979,501 (32,672) (19,122) – (51,794)
58,427,300 1,324,826 – 59,752,126 (49,249) (19,122) – (68,371)
18,640,353 70,591 894 18,711,838 (103,845) (1,101) (18) (104,964)
(i)
186
40
(2)
(a)
187
40
2019 6 30
3 3 1 1 5 5
34,600,099 612,180 33,987,919 – – –
1,321,082 1,894 1,319,188 – – –
4,588,207 86,976 2,005,258 2,495,973 – –
(i) 143,343,578 630,061 45,844,396 90,164,582 5,361,145 1,343,394
(ii) 146,414,073 1,914,198 7,319,597 26,106,192 72,529,346 38,544,740
8,800,422 88,077 7,469,244 1,243,101 – –
6,163,485 6,163,485 – – – –
345,230,946 9,496,871 97,945,602 120,009,848 77,890,491 39,888,134
10,186,784 157,483 6,353,767 3,675,534 – –
14,900,225 77,333 4,312,892 10,510,000 – –
8,718,411 80,124 4,683,209 3,823,040 132,038 –
13,654,122 2,607 13,651,515 – – –
188,360,223 2,684,375 122,997,359 34,187,649 28,377,985 112,855
75,161,060 250,860 16,020,106 42,203,978 9,494,207 7,191,909
4,252,040 3,811,197 – 1,145 139,428 300,270
315,232,865 7,063,979 168,018,848 94,401,346 38,143,658 7,605,034
29,998,081 2,432,892 (70,073,246) 25,608,502 39,746,833 32,283,100
188
40
2018 12 31
3 3 1 1 5 5
29,554,430 489,559 29,064,871 – – –
1,542,437 9,909 1,332,609 199,919 – –
4,110,464 87,236 932,723 3,090,505 – –
300,262 384 299,878 – – –
(i) 123,366,891 521,250 46,007,345 69,134,140 6,010,630 1,693,526
(ii) 145,396,623 2,183,527 9,197,205 20,171,587 70,734,644 43,109,660
7,766,698 70,610 6,244,867 1,451,221 – –
5,620,697 5,620,697 – – – –
317,658,502 8,983,172 93,079,498 94,047,372 76,745,274 44,803,186
10,878,835 99,825 252,891 10,526,119 – –
11,632,982 80,287 5,095,694 6,457,001 – –
7,207,066 102,207 3,333,630 3,586,416 184,813 –
14,850,333 4,202 14,846,131 – – –
177,911,247 2,366,917 120,420,179 28,622,624 26,113,704 387,823
65,240,507 343,846 16,636,912 39,570,111 1,499,470 7,190,168
2,440,808 2,440,808 – – – –
290,161,778 5,438,092 160,585,437 88,762,271 27,797,987 7,577,991
27,496,724 3,545,080 (67,505,939) 5,285,101 48,947,287 37,225,195
(i) 2019 6 30 3
23.79 2018 12 31 30.77
(ii)
189
40
2019 6 30 2018
12 31
2019 6 30 2018 12 31
100 (508,669) (635,421)
100 508,669 635,421
(i)
(ii)
(iii)
190
40
(b)
2019 6 30
34,535,194 58,724 6,181 34,600,099
950,029 337,715 33,338 1,321,082
3,676,123 912,084 – 4,588,207
142,751,102 591,316 1,160 143,343,578
(i) 136,511,848 9,902,225 – 146,414,073
8,800,422 – – 8,800,422
6,160,590 1,999 896 6,163,485
333,385,308 11,804,063 41,575 345,230,946
10,186,784 – – 10,186,784
14,555,305 344,920 – 14,900,225
7,337,534 1,380,877 – 8,718,411
13,654,122 – – 13,654,122
187,126,235 1,209,398 24,590 188,360,223
75,161,060 – – 75,161,060
4,194,149 51,963 5,928 4,252,040
312,215,189 2,987,158 30,518 315,232,865
21,170,119 8,816,905 11,057 29,998,081
23,233,270 362,492 168,563 23,764,325
191
40
2018 12 31
29,522,481 28,105 3,844 29,554,430
1,187,598 332,317 22,522 1,542,437
3,874,944 235,520 – 4,110,464
300,262 – – 300,262
123,210,169 153,093 3,629 123,366,891
(i) 135,931,485 9,465,138 – 145,396,623
7,766,698 – – 7,766,698
5,617,694 2,252 751 5,620,697
307,411,331 10,216,425 30,746 317,658,502
10,878,835 – – 10,878,835
11,632,982 – – 11,632,982
6,240,715 966,351 – 7,207,066
14,850,333 – – 14,850,333
177,223,409 631,187 56,651 177,911,247
65,240,507 – – 65,240,507
2,411,680 27,363 1,765 2,440,808
288,478,461 1,624,901 58,416 290,161,778
18,932,870 8,591,524 (27,670) 27,496,724
18,038,135 482,852 190,851 18,711,838
(i)
192
40
2019 6 30 2018 12 31
100 9,631 9,358
100 (9,631) (9,358)
(i) 100
(ii)
(iii)
(3)
193
40
(a)
2019 6 30
1 1 3 3 1 1 5 5
(ii) (ii)
20,039,895 14,560,204 – – – – – 34,600,099
– 1,321,082 – – – – – 1,321,082
– – 411,476 1,642,447 2,534,284 – – 4,588,207
1,551,266 949,249 5,769,490 11,166,134 48,690,790 34,118,494 41,098,155 143,343,578
(i) 23,250 – 2,109,524 4,734,153 26,587,298 74,277,483 38,682,365 146,414,073
97,799 – 275,678 905,948 2,602,087 4,918,910 – 8,800,422
5,304,228 11,101 – – 4,302 158,141 685,713 6,163,485
27,016,438 16,841,636 8,566,168 18,448,682 80,418,761 113,473,028 80,466,233 345,230,946
– – 4,846,482 1,660,872 3,679,430 – – 10,186,784
– 3,071,763 103,999 1,160,228 10,564,235 – – 14,900,225
– – 2,844,266 1,890,918 3,851,015 132,212 – 8,718,411
– – 13,654,122 – – – – 13,654,122
– 92,743,689 14,387,967 16,575,266 35,280,555 29,259,891 112,855 188,360,223
– – 2,931,053 13,185,491 42,358,400 9,494,207 7,191,909 75,161,060
115,583 337,785 1,918,093 66,759 427,879 1,012,041 373,900 4,252,040
115,583 96,153,237 40,685,982 34,539,534 96,161,514 39,898,351 7,678,664 315,232,865
26,900,855 (79,311,601) (32,119,814) (16,090,852) (15,742,753) 73,574,677 72,787,569 29,998,081
194
40
2018 12 31
1 1 3 3 1 1 5 5
(ii) (ii)
20,835,735 8,718,695 – – – – – 29,554,430
– 1,341,224 – – 201,213 – – 1,542,437
– – 239,838 713,109 3,157,517 – – 4,110,464
– – 300,262 – – – – 300,262
2,156,367 940,792 6,331,329 10,979,327 41,645,801 25,418,753 35,894,522 123,366,891
(i) 23,250 – 1,378,417 7,684,772 21,216,658 71,838,897 43,254,629 145,396,623
– – 200,327 758,346 2,456,543 4,351,482 – 7,766,698
5,601,299 19,398 – – – – – 5,620,697
28,616,651 11,020,109 8,450,173 20,135,554 68,677,732 101,609,132 79,149,151 317,658,502
– – 176,217 76,674 10,625,944 – – 10,878,835
– 1,817,247 2,397,146 906,887 6,511,702 – – 11,632,982
– – 1,368,515 2,025,440 3,628,030 185,081 – 7,207,066
– – 14,850,333 – – – – 14,850,333
– 91,748,668 18,338,126 10,846,766 29,388,722 27,201,142 387,823 177,911,247
– – 4,779,439 12,064,185 39,707,245 1,499,470 7,190,168 65,240,507
119,499 143,478 639,057 56,053 710,163 696,858 75,700 2,440,808
119,499 93,709,393 42,548,833 25,976,005 90,571,806 29,582,551 7,653,691 290,161,778
28,497,152 (82,689,284) (34,098,660) (5,840,451) (21,894,074) 72,026,581 71,495,460 27,496,724
(i)
(ii)
195
40
(b)
2019 6 30
1 3 1
1 3 1 5 5
– – 4,855,690 1,682,558 3,737,789 – – 10,276,037 10,186,784
– 3,071,763 104,055 1,165,300 10,759,513 – – 15,100,631 14,900,225
– – 2,847,620 1,910,436 3,932,314 132,038 – 8,822,408 8,718,411
– – 13,655,254 – – – – 13,655,254 13,654,122
– 92,743,690 14,402,397 16,660,218 35,851,496 31,775,080 127,551 191,560,432 188,360,223
– – 2,940,000 13,260,000 43,693,080 11,836,320 8,172,980 79,902,380 75,161,060
115,583 337,785 1,918,093 66,568 427,797 1,012,041 373,900 4,251,767 4,251,767
115,583 96,153,238 40,723,109 34,745,080 98,401,989 44,755,479 8,674,431 323,568,909 315,232,592
2018 12 31
1 3 1
1 3 1 5 5
– – 176,370 76,950 10,845,905 – – 11,099,225 10,878,835
– 1,817,247 2,399,559 911,385 6,641,162 – – 11,769,353 11,632,982
– – 1,370,635 2,045,181 3,749,160 194,204 – 7,359,180 7,207,066
– – 14,855,016 – – – – 14,855,016 14,850,333
– 91,748,668 18,351,229 10,892,065 29,816,577 29,487,700 461,810 180,758,049 177,911,247
– – 4,790,000 12,163,730 40,863,000 3,093,920 8,445,960 69,356,610 65,240,507
119,499 143,478 639,057 56,053 710,163 696,858 75,700 2,440,808 2,440,808
119,499 93,709,393 42,581,866 26,145,364 92,625,967 33,472,682 8,983,470 297,638,241 290,161,778
196
40
(4)
(5)
197
40
2012 2019
6 30 2018 12 31
2019 6 30 2018 12 31
21,947,793 19,433,753
4,509,690 4,058,713
8,337,869 6,826,276
1,403,575 1,403,575
3,969,452 3,969,452
2,856,324 2,319,800
527,789 553,193
343,094 302,744
(157,855) (165,153)
21,789,938 19,268,600
7,899,710 7,894,330
29,689,648 27,162,930
8,610,872 8,858,726
7,200,000 7,200,000
1,319,380 1,577,994
91,492 80,732
38,300,520 36,021,656
236,429,937 229,776,495
9.22% 8.39%
12.56% 11.82%
16.20% 15.68%
198
41
(1)
(a)
(b)
(c)
(d)
199
41
(2)
2019 6 30
(i) (i) (i) ~ (ii)
– 549,746 – 549,746
– – 8,775,971 8,775,971
– – 2,034,853 2,034,853
– – 3,143,259 3,143,259
– 12,779,746 50,041 12,829,787
– 323 – 323
– 45,471,304 – 45,471,304
– 6,303,089 – 6,303,089
– – 709,546 709,546
– – 23,250 23,250
– – 12,116,688 12,116,688
– 65,104,208 26,853,608 91,957,816
– 273 – 273
– 273 – 273
200
41
2018 12 31
(i) (i) (i) ~ (ii)
– 237,280 – 237,280
– – 9,354,611 9,354,611
– – 2,080,946 2,080,946
– – 3,221,359 3,221,359
– 7,417,936 49,684 7,467,620
– 47,796,047 – 47,796,047
– 5,183,454 – 5,183,454
– – 23,250 23,250
– – 6,772,625 6,772,625
– 60,634,717 21,502,475 82,137,192
(i)
201
41
(ii)
2019 2019
1 1 6 30
9,354,611 – – 22,974 – 3,715,000 – (4,316,614) 8,775,971
2,080,946 – – 34,853 – 2,000,000 – (2,080,946) 2,034,853
3,221,359 – – 56,774 – 300,000 – (434,874) 3,143,259
49,684 – – 357 – – – – 50,041
– – – 6,241 3,305 700,000 – – 709,546
23,250 – – – – – – – 23,250
6,772,625 – – 157,267 6,585 12,660,422 – (7,480,211) 12,116,688
21,502,475 – – 278,466 9,890 19,375,422 – (14,312,645) 26,853,608
2018 2018
1 1 12 31
10,863,060 – – 146,488 – 2,249,559 – (3,904,496) 9,354,611
20,992,466 – – 183,456 – 5,000,000 – (24,094,976) 2,080,946
8,456,436 – – 77,401 – 395,000 – (5,707,478) 3,221,359
60,155 – – 1,501 – – – (11,972) 49,684
3,203,033 – – 67,501 (5,938) – – (3,264,596) –
23,250 – – – – – – – 23,250
2,941,746 – – 249,566 15,908 28,225,793 – (24,660,388) 6,772,625
46,540,146 – – 725,913 9,970 35,870,352 – (61,643,906) 21,502,475
202
41
(3)
(i)
(ii)
(iii)
(iv)
(v)
2019 6 30
39,348,523 39,342,343 – 39,255,290 87,053
39,348,523 39,342,343 – 39,255,290 87,053
19,936,392 19,793,752 – 19,793,752 –
55,224,668 55,265,178 – 55,265,178 –
75,161,060 75,058,930 – 75,058,930 –
203
41
2018 12 31
36,665,810 36,674,559 – 36,583,883 90,676
36,665,810 36,674,559 – 36,583,883 90,676
15,532,452 15,212,729 – 15,212,729 –
49,708,055 49,726,684 – 49,726,684 –
65,240,507 64,939,413 – 64,939,413 –
204
42
(1)
2019 6 30 2018 12 31
17,214,591 13,700,722
3,617,025 1,698,681
1,645,185 2,410,966
1,013,354 657,499
274,170 243,970
23,764,325 18,711,838
32(4)
(2)
2019 6 30 2018 12 31
9,230,179 9,694,305
205
42
(3)
2018 12 31
2018 12 31
108,802
320,161
90,464
519,427
(4)
2019 6 30 2018 12 31
203,452 213,625
203,452 213,625
(5)
2019 6 30 2018 12 31
206
42
(6)
2019 6 30 2018 12 31
4,737,957 4,153,146
(7)
2019 6 30 2018 12 31
29,063,474 28,618,903
1,958,024 1,214,031
31,021,498 29,832,934
12
2019 6 30 2018 12
31 2019 6 30 2018 12 31
207
43
(1)
2019 6 30 2018 12 31
2019 6 30
8,775,971 6,183,177 18,748,863 33,708,011 33,708,011
3,143,259 – 3,556,475 6,699,734 6,699,734
2,034,853 – – 2,034,853 2,034,853
– 1,534,791 – 1,534,791 1,534,791
12,829,787 – – 12,829,787 12,829,787
26,783,870 7,717,968 22,305,338 56,807,176 56,807,176
2018 12 31
9,354,611 5,183,454 23,345,844 37,883,909 37,883,909
3,221,359 – 4,749,685 7,971,044 7,971,044
2,080,946 – – 2,080,946 2,080,946
– 1,952,607 – 1,952,607 1,952,607
7,467,620 – – 7,467,620 7,467,620
22,124,536 7,136,061 28,095,529 57,356,126 57,356,126
208
43
(2)
2019 6 30 2018 12 31
2019 6 30 821.61
2018 12 31 715.34
(3) 1 1
2019 6 30 6 0.38
2018 6 30 6 0.29
2019 6 30 6 1 1 6 30
307.16 2018 6 30 6 536.70
44
2015 25.43
2017 20.00
45
2019 6 30 33.93 2018 12 31 41.63
209
46
47
210
1
(1)
2019 2018
6 30 12 31
65,054,000 52,974,850
30 36,137,989 42,058,582
180.02% 125.95%
2018 100%
(2)
2019 2018
6 30 12 31
7.98% 7.92%
2015 4 1
4%
211
1
(3)
2019 2019 2018
6 30 3 31 12 31
188,183,992 183,312,473 178,819,503
184,434,976 183,106,383 173,945,290
102.03% 100.11% 102.80%
100%
2
2019 6 30
11,804,063 25,452 16,123 11,845,638
(2,987,158) (18,583) (11,935) (3,017,676)
8,816,905 6,869 4,188 8,827,962
2018 12 31
10,216,425 25,396 5,350 10,247,171
(1,624,901) (18,547) (39,869) (1,683,317)
8,591,524 6,849 (34,519) 8,563,854
212
3
10%
2019 6 30
56,535 5,382,686 6,088,010 11,527,231
– 3,098,874 – 3,098,874
– 282,176 – 282,176
– 14,416 – 14,416
56,535 5,679,278 6,088,010 11,823,823
2018 12 31
26,023 4,834,807 5,100,075 9,960,905
– 3,133,618 – 3,133,618
– 271,312 – 271,312
– 1,257 – 1,257
26,023 5,107,376 5,100,075 10,233,474
213
4
2019 2018
6 30 12 31
3 6 6 411,127 422,827
6 1 1 722,362 806,413
1 799,145 852,792
1,932,634 2,082,032
3 6 6 0.28% 0.33%
6 1 1 0.49% 0.64%
1 0.55% 0.67%
1.32% 1.64%
214