Bank of Communications Co., Ltd.
03328 4605
2018 12 31
2018
12 31
A 601328
H 03328
1 360021
BOCOM 15USDPREF 4605
188
021-58766688
021-58798398
investor@bankcomm.com
-1-
2018 1 1
2018
2018 2017 2016 2015 2014
130,908 124,873 131,315 139,451 131,547
86,067 83,265 86,110 86,012 84,927
73,630 70,223 67,210 66,528 65,850
9,531,171 9,038,254 8,403,166 7,155,362 6,268,299
1 2
4,854,228 4,579,256 4,220,635 3,835,784 3,532,545
8,825,863 8,361,983 7,770,759 6,617,270 5,794,694
1 2
5,724,489 5,545,366 5,284,059 4,830,915 4,327,741
698,405 671,143 629,142 534,885 471,055
3
0.96 0.91 0.89 0.90 0.89
4
8.60 8.23 7.67 7.00 6.34
(%)
0.80 0.81 0.87 1.00 1.08
3
11.36 11.44 12.18 13.43 14.79
5
31.50 31.85 30.90 30.01 30.29
1
1.49 1.50 1.50 1.48 1.23
1
173.13 154.73 153.61 158.19 180.95
6
817,549 790,381 723,961 627,862 584,502
6
634,807 609,454 568,131 518,487 470,456
6
60,025 59,975 59,920 14,943 10
6
122,717 120,952 95,910 94,432 114,036
6
5,690,542 5,646,313 5,163,250 4,653,723 4,164,477
(%)6 14.37 14.00 14.02 13.49 14.04
(%)6 12.21 11.86 12.16 11.46 11.30
(%)6 11.16 10.79 11.00 11.14 11.30
-2-
1.
2. 2018
[2018]36
3.
4.
5.
6.
74,262,726,645 A 39,250,864,015
52.85% H 35,011,862,630 47.15%
43,750,157,981 58.91% 31,331,922,786
42.19%
(%)
– 15,148,693,829 20.40 A
– 4,553,999,999 6.13 H
5,789,261 14,960,288,532 20.15 H
– 13,886,417,698 18.70 H
– 1,877,513,451 2.53 A
– 1,405,555,555 1.89 H
(182,164,227) 2,222,588,791 2.99 A
– 1,246,591,087 1.68 A
– 808,145,417 1.09 A
– 794,557,920 1.07 A
– 745,305,404 1.00 A
– 663,941,711 0.89 A
1.
2.
H
-3-
3. H
13,886,417,698 HSBC Holdings plc)
H 14,135,636,613
19.03%
249,218,915 2007 H
H
XV
4. A 1,877,513,451 H
1,405,555,555
H 7,640,085,777
7,027,777,777 612,308,000
A H 10,923,154,783
14.71%
XV
336
A
A 1
(%) (%)
15,148,693,8292 38.59 20.40
1,877,513,4513 4.78 2.53
H
H 1
(%) (%)
9,045,641,3323 25.84 12.18
4,553,999,9992 13.01 6.13
HSBC Holdings plc 14,135,636,6134 40.37 19.03
1.
2. H 4,553,999,999
6.13% A 15,148,693,829
20.40%
3. H 9,045,641,332
12.18% A 1,877,513,451
2.53%
4. HSBC Holdings plc HSBC Asia Holdings Limited HSBC Asia Holdings Limited
H 14,135,636,613
HSBC Holdings plc 14,135,636,613 H
-4-
336
XV
2016 9 2 450
449.52
(%)
360021 1 2016/9/2 100 3.90 450,000,000 2016/9/29 450,000,000 –
1.
(%)
1 DB Nominees (Hong – 122,500,000 100.00 –
Kong) Limited
1.
2. DB Nominees (Hong Kong) Limited
Euroclear Clearstream 122,500,000
100%
3.
4.
-5-
2.
(%)
1 – 100,000,000 22.22 –
2 – 20,000,000 4.44 –
3 – 20,000,000 4.44 –
4 – 20,000,000 4.44 –
5 – 20,000,000 4.44 –
5
6 – 20,000,000 4.44 –
7 – 18,000,000 4.00 –
8 – 15,000,000 3.33 –
9 – 15,000,000 3.33 –
10 (2,000,000) 12,000,000 2.67 –
1.
2.
3.
-6-
2018 4 27
136,111,111 5%
122,500,000 10%
13,611,111 2018 7
30 3.9%
1,755,000,000 2018 9 7
2018 9 7 1,755,000,000 3.9%
2018 7 30 136,111,111 5.0%
2017 9 7 1,755,000,000 3.9%
2017 7 31 136,111,111 5.0%
2016 7 29 136,111,111 5.0%
22
37
9 32
-7-
2018
95,311.71 5.45%
736.30 4.85%
1.51%
412.37 1.69% 31.50% 0.35
18.40 173.13% 2015
14.37% 0.37
186
2008
2018
186 1
+8 +6
1
8
8
6 6
186
-8-
48,542.28 2,749.72
6.00% 262.80
29.63%
277.43 72.78% 2018
110
MPA
22
89,132.12
8.33% (AUM) 30,575.96
6.11%
1.82% 9.40% 11.09%
+
15.87% 2
6.10%
3.70 21.71% 11.00
43.79% 7,000
7.21%
-9-
1.49% 0.01
90
103.34 135.20 0.33 0.38
173.13% 18.40
RWA
4.67 59.70%
2.77
11.16% 12.21% 14.37% 0.37 0.35
0.37
(FORTUNE)
500 168 3 (The Banker)
11
2018 (The Asset)2018
135
1.
377.79
694.73
143.22
39,440.98
2.28% 32,186.01
1.55%
571.72
1.78%
- 10 -
(1)
969
13,607
32.26 650
190
9.36%
(2)
262.80 29.63%
15,607 5,811.47
132.73 2.34%
277.43 72.78%
MPA
(3)
3,000
1,100 22.42% 2018
2018
(4)
e
2.41 46.20 2018
(The Asset) (FinanceAsia)
- 11 -
(5)
47,989.79 1,291.57
1,072.70
(6)
300 50
300 70
3
5.5 28
535 7
12
169.5 2018
93.14 2018
44.24 9.90%
437
3,201.63 80.15%
(7)
FOF
e
89,132.12 8.33%
- 12 -
2018 9 e
e
e e e e
2.
246.20
506.93
241.31
17,764.88
5.38% 16,356.27
16.01% 3.08%
153.40
0.94%
- 13 -
(1)
231
10,075.28
12.29% 68.74
62.81
(2)
2018 TOP
2018
9
(AUM) 30,575.96
6.11%
1.82% 9.40% 11.09% 5
6.15%
- 14 -
(3)
7,000
21
APP3.0 5,400
20%
35% 61%
17%
200
10%
7,155
912 30,702.76
35.19% 5,051.90
26.61% 1.52% 0.32
C2B C2C
14,253
1,085 10,050 7.21%
- 15 -
165
2,700
2 5
- 16 -
100
50%
7.45 46.9%
2018
TOP 2018
2018 2017
135
- 17 -
3.
208.29
85.09
6.03
28,219.09
11.61% 3.58%
(1)
41.55% 3.14
1,725
884 351
722
492
101 89
65 110 146
1,080
- 18 -
(2)
109
271.48 118
4.98 20,365.01
28,219.09
11.61% 3.58%
(3)
356.19
4.83 15.52%
6,208 17.59
612.79 7,696.69
11.83%
(4)
1,154.26
25.63
10,852.90
- 19 -
4.
82.23 6.83%
21.44
3.33%
33.33
108.19 96.59%
2.05
3,241 29
41 70
+ + +
+
(1)
7,414
21.42% 3.70
21.71% 11.00 43.79%
e
18.54%
12.64%
60.03 30.08%
- 20 -
(2)
3,241 29
41 70 577
1,998 665 239
71.56%
43.51%
2.06 2,621
1.02 1
3.30 2.76
22,185
29.07% 10,329
11,856
- 21 -
186
531
IT
531 1 2 5
N +
+
II
- 22 -
5.
(1)
55.07
7.47% 0.18 7.48%
10,691.86
10.83% 0.55
11.22%
9.01
0.25%
- 23 -
16
22
66 134 1,159
33 121
240 31 64 26
83
541.57 8.08%
371.06 4.16
2018
CIPS)
2018
2.1
- 24 -
18.29%
5.97% 7.05%
1,211.11 758.38
735.85
(2)
47.45
13.14% 0.47 6.44%
3,677.85
16.02% 0.35
3.86%
1,282.67 58.20%
220 380
27.37 13.62%
2,204.07 10.20%
8,830.47 8.99
7.92% A
ABS
3
8
4,388.76
- 25 -
400
6.31%
287% 112
15.83%
28.07%
16
79.49 31.50%
1.
(1)
860.67
28.02 3.37%
2018 2017
130,908 124,873
82,147 71,647
41,237 40,551
213,055 196,520
(31,469)
(43,454)
(60)
(6,722) (12,211)
(76,752) (69,575)
(64,040) (60,405)
86,067 83,265
(11,902) (12,574)
74,165 70,691
- 26 -
(2)
1,309.08
60.35 61.44%
2018 12 31 12 2017 12 31 12
(%) (%)
892,407 13,048 1.46 946,071 13,570 1.43
791,264 24,945 3.15 737,709 20,528 2.78
4,625,409 225,422 4.87 4,361,925 200,207 4.59
2,974,243 135,890 4.57 2,959,565 126,900 4.29
1,507,695 82,821 5.49 1,266,575 67,746 5.35
143,471 6,711 4.68 135,785 5,561 4.10
2,383,808 85,449 3.58 2,227,051 79,895 3.59
8,692,888 348,864 4.01 8,272,756 314,200 3.80
662,259 533,858
9,355,147 8,806,614
5,668,198 128,589 2.27 5,395,166 111,366 2.06
3,905,635 86,677 2.22 3,755,836 76,240 2.03
1,762,563 41,912 2.38 1,639,330 35,126 2.14
2,066,506 66,788 3.23 2,123,709 64,751 3.05
575,704 22,579 3.92 356,690 13,210 3.70
8,310,408 217,956 2.62 7,875,565 189,327 2.40
1,044,739 931,049
9,355,147 8,806,614
130,908 124,873
1
1.39 1.404
2
1.51 1.514
1 3
1.56 1.554
2 3
1.68 1.664
- 27 -
1.
2.
3.
4.
4.83% 1.39%
1 1.51%
2 4
2018
(%) 1-3 4-6 7-9 10-12
1.25 1.34 1.47 1.49
1.36 1.45 1.59 1.63
1.41 1.50 1.64 1.68
1.52 1.62 1.76 1.81
- 28 -
2018 2017
(767) 245 (522)
1,489 2,928 4,417
12,094 13,121 25,215
5,628 (74) 5,554
18,444 16,220 34,664
5,624 11,599 17,223
(1,745) 3,782 2,037
8,104 1,265 9,369
11,983 16,646 28,629
6,461 (426) 6,035
60.35
64.61
4.26
3,488.64
346.64 11.03%
A.
2,254.22
252.15 12.59%
28
2,634.84
- 29 -
B.
854.49
55.54 6.95%
1,567.57
C.
130.48 5.22 3.85%
536.64
D.
249.45 44.17
21.52%
37
535.55
2,179.56
286.29 15.12%
A.
1,285.89 172.23
15.47% 59.00%
2,730.32 21
B.
667.88 20.37
3.15%
18
- 30 -
C.
225.79
93.69 70.92%
2,190.14
(3)
412.37
6.86 1.69%
2018 2017
20,114 16,267
12,524 14,948
4,424 4,518
2,777 3,216
2,461 2,554
2,167 1,884
206 673
44,673 44,060
(3,436) (3,509)
41,237 40,551
201.14 38.47
23.65%
125.24 24.24
16.22%
44.24 0.94
2.08%
27.77 4.39
13.65%
- 31 -
24.61 0.93
3.64%
21.67 2.83
15.02%
(4)
434.54
424.96 123.35
40.90% 0.85% 0.19
(5)
640.40
36.35 6.02% 31.50% 0.35
2018 2017
29,519 28,193
28,844 26,334
5,677 5,878
64,040 60,405
(6)
119.02
6.72 5.34% 13.83% 25%
- 32 -
2.
(1)
95,311.71
4,929.17 5.45%
2018 12 31 2017 12 31
(%) (%)
4,742,372 49.76 4,473,255 49.49
2,821,909 29.61 2,528,276 27.97
840,171 8.81 938,571 10.38
848,067 8.90 782,468 8.66
278,652 2.92 315,684 3.50
9,531,171 100.00 9,038,254 100.00
2018
[2018]36 2018
48,542.28 2,749.72
6.00%
3,288.35 8.41%
- 33 -
2018 12 31 2017 12 31
(%) (%)
119,091 2.45 114,010 2.49
581,412 11.98 580,906 12.69
104,806 2.16 110,087 2.40
95,858 1.97 76,261 1.67
33,241 0.68 36,377 0.79
93,828 1.93 96,532 2.11
29,146 0.60 30,043 0.66
224,533 4.64 231,606 5.06
186,117 3.83 180,471 3.94
114,577 2.36 112,544 2.46
573,151 11.82 576,156 12.58
28,682 0.59 26,229 0.57
246,706 5.08 283,654 6.19
34,486 0.71 35,531 0.78
98,342 2.03 118,533 2.59
216,536 4.46 189,295 4.13
413,716 8.52 358,956 7.84
263,235 5.42 265,073 5.79
89,436 1.84 82,780 1.81
96,428 1.99 106,278 2.32
156,686 3.23 138,958 3.03
3,218,601 66.31 3,169,374 69.21
1,007,528 20.75 897,264 19.60
505,190 10.41 399,004 8.71
122,909 2.53 113,614 2.48
1,635,627 33.69 1,409,882 30.79
4,854,228 100.00 4,579,256 100.00
32,186.01
492.27 1.55%
56.90%
16,356.27
2,257.45 16.01%
2.90 33.69%
- 34 -
3.60%
16.64%
2018 12 31
(%)
A 29,412 0.61
B 25,909 0.53
C 14,200 0.29
D 12,302 0.25
E 11,034 0.23
F 10,000 0.21
G 9,700 0.20
H 8,542 0.18
I 8,400 0.17
J 6,500 0.13
135,999 2.80
34.88% 16.23% 7.84%
10.29% 3.86% 8.00%
1.49% 0.01
173.13% 18.40
- 35 -
90
2018 12 31 2017 12 31
72,512 68,506
90 63,321 76,841
(%) 1.49 1.50
28,219.09
2,936.33 11.61%
2018 12 31 2017 12 31
2,369,521 2,111,329
17,720 6,107
434,668 410,840
2,821,909 2,528,276
- 36 -
2018 12 31 2017 12 31
(%) (%)
376,386 13.34 227,030 8.98
2,000,505 70.89
437,630 15.51
7,388 0.26
387,733 15.34
402,138 15.91
1,511,375 59.77
2,821,909 100.00 2,528,276 100.00
23,695.21
2,581.92 12.23%
- 37 -
2018 12 31 2017 12 31
(%) (%)
1,511,839 63.81 1,306,610 61.88
34,651 1.46 35,663 1.69
696,168 29.38 641,387 30.38
126,863 5.35 127,669 6.05
2,369,521 100.00 2,111,329 100.00
6,961.68
2,945.10
4,016.58 42.30% 57.70%
(%)
1 2018 6,900 4.99 24/01/2023 1.20
2 2017 6,590 4.39 08/09/2027 1.11
3 2018 6,510 4.82 24/01/2021 1.11
4 2015 5,860 3.74 10/09/2025 0.91
5 2017 5,720 4.44 09/11/2022 0.85
6 2018 5,421 4.98 12/01/2025 0.93
7 2018 4,500 4.83 22/01/2021 0.67
8 2017 4,400 4.45 08/11/2027 -
9 2018 4,400 4.97 29/01/2023 0.67
10 2018 A 4,381 Hibor+0.31 01/02/2019 0.07
10 2018 B 4,381 Hibor+0.31 01/02/2019 0.07
- 38 -
(2)
88,258.63
4,638.80 5.55%
1,791.23 3.23% 64.86%
1.46
561.01 2.66%
24.50% 0.69
57,244.89 1,791.23
3.23% 68.90%
0.64 31.03% 0.63
42.56%
2.67 57.37% 2.66
2018 12 31 2017 12 31
3,944,098 3,856,119
1,748,857 1,852,676
2,195,241 2,003,443
1,776,488 1,685,792
687,393 655,559
1,089,095 1,030,233
- 39 -
3.
2,434.92
145.73
1,238.92
1,131.65
1,001.40
228.19
134.76 439.58
4.
(1)
2018 2017
1 1
12,471 22,100 13,468 23,109
(3,907) 7,130 2,457 7,461
32,914 75,696 26,091 74,315
22,268 39,060 21,408 36,372
6,694 17,529 7,772 16,845
7,899 13,285 6,909 11,526
7,728 38,255 5,160 26,892
2
86,067 213,055 83,265 196,520
1.
2.
- 40 -
(2)
2018 12 31 2017 12 31
994,799 619,891 959,447 588,224
301,526 205,989 288,765 207,142
2,040,424 1,710,884 1,974,271 1,625,585
1,292,776 941,511 1,254,785 851,780
652,735 480,670 661,326 447,924
424,431 355,681 402,687 424,852
17,798 539,602 4,085 433,749
5,724,489 4,854,228 5,545,366 4,579,256
(3)
43.89%
2018 2017
37,779 97,888 41,483 95,529
24,620 77,901 27,320 67,895
20,829 23,280 11,448 14,259
2,839 13,986 3,014 18,837
86,067 213,055 83,265 196,520
- 41 -
5.
2014
14.37% 12.21%
11.16%
634,807 567,382
694,832 627,259
817,549 746,918
(%) 11.16 10.65
(%) 12.21 11.77
(%) 14.37 14.02
1.
2.
(%) 10.09 9.92
(%) 13.09 12.75
2018
- 42 -
6.
2015 1
6.78%
2018 12 31 2018 9 30 2018 6 30 2018 3 31
694,832 679,152 659,959 661,344
10,242,926 10,095,931 10,026,128 10,010,549
(%) 6.78 6.73 6.58 6.61
2018 12 31
1 9,531,171
2 (36,849)
3
4 37,077
5 5,698
6 711,395
7 (5,566)
8 10,242,926
- 43 -
2018 12 31
1 9,220,176
2 (5,566)
3
9,214,610
4 29,350
5 37,077
6
7
8
9
10
11 66,427
12 244,796
13
14 5,698
15
16 250,494
17 1,667,448
18 (956,053)
19 711,395
20 694,832
21 10,242,926
22 (%) 6.78
- 44 -
7.
2017
2018
112.03%
92
2.08
1 1,548,570
2 1,405,920 132,530
3 157,694 7,707
4 1,248,226 124,823
5 3,844,898 1,682,923
6 2,310,425 576,072
7 1,530,511 1,102,889
8 3,962 3,962
9 15,085
10 1,496,832 699,699
11
656,880 652,017
12
85 85
13 839,867 47,597
14 43,195 43,195
15 1,034,325 33,454
16 2,606,886
17 59,732 58,150
18 754,633 496,515
19 683,727 669,971
20 1,498,092 1,224,636
21 1,548,570
22 1,382,250
23 (%) 112.03
- 45 -
8.
(1)
1.
227,030 4,909 – – 376,386
2. 34,007 1,541 11 – 30,730
3.
(81) (1,696) (265) 445,018
4. 402,138
5.
1 – – 494
6.
– (259) 317 184,184
663,175 6,370 (1,944) 52 1,036,812
8,217 117 – – 7,899
671,392 6,487 (1,944) 52 1,044,711
(78,355) (3,238) 19 – (67,643)
- 46 -
(2)
2018 2017
12 31 12 31 (%)
9,415 10,843 (13.17)
89,164 99,498 (10.39)
(3)
2018 2017
12 31 12 31
1,456,218 1,412,703
58,440 70,306
759,994 742,011
141,137 131,280
268,097 272,981
228,550 196,125
12,345 13,806
66,968 70,236
(4)
36.53 2.96
- 47 -
2018
1.
2018
2.
(1)
e
(2)
- 48 -
(3)
(4)
SWIFT
(5)
- 49 -
3.
(1)
(Y-Power)
200
40%
(2)
2018
(3)
2 5
- 50 -
(4)
231
2018
(5)
(6)
2 1
1,244
- 51 -
4.
(1)
CRMW)
(2)
360 357 539
+ +
pre-abs+
TA
- 52 -
2018
1 18.40
1.
21
2018
2.
1+4+2
- 53 -
3.
4.
- 54 -
20
672.11 501.68
- 55 -
725.12
1.49% 40.06 0.01
2018 12 31 2017 12 31 2016 12 31
(%) (%) (%)
4,662,605 96.06 4,378,840 95.62 4,031,560 95.52
119,111 2.45 131,910 2.88 125,842 2.98
4,781,716 98.51 4,510,750 98.50 4,157,402 98.50
13,711 0.28 18,723 0.41 18,346 0.43
38,456 0.79 24,865 0.54 26,950 0.64
20,345 0.42 24,918 0.55 17,937 0.43
72,512 1.49 68,506 1.50 63,233 1.50
4,854,228 100.00 4,579,256 100.00 4,220,635 100.00
(%) 2018 2017 2016
1.85 2.09 2.80
30.01 21.62 24.60
88.62 53.59 50.04
15.36 26.86 33.72
5.
(VaR) (SVaR)
1 10 99%
- 56 -
2018
6.
- 57 -
7.
- 58 -
8.
9.
2018
10.
IT
- 59 -
11.
2019
2019
- 60 -
186
2019
- 61 -
1.
89,542
87,090 2,452 3,204
30,776
572 0.66% 16,038
18.42% 14,166 16.27%
2,575
6.22%
1.74%
2.80%
5.60%
6.33% 34.30%
7.08% 銷售拓展 34.30%
會計業務 26.95%
經營管理 8.98%
綜合管理 7.08%
8.98% 風險管理 6.33%
市場策劃 5.60%
信息技術 2.80%
財務管理 1.74%
26.95% 其他 6.22%
- 62 -
12.14%
2.77%
15.18%
研究生及以上學歷 12.14%
本科學歷 69.92%
大專學歷 15.18%
中專及以下學歷 2.77%
69.92%
2018 12 31
(%) (%) (%)
1,157,867 12.15 503 15.21 11,218 12.53
339,827 3.57 390 11.79 8,960 10.01
2,669,816 28.01 1,161 35.11 36,341 40.59
1,434,255 15.05 699 21.14 17,918 20.01
688,096 7.22 487 14.73 9,817 10.96
1,006,195 10.56 66 2.00 2,452 2.74
4,224,506 44.32 1 0.03 2,836 3.17
(1,989,391) (20.88)
9,531,171 100.00 3,307 100.00 89,542 100.00
- 63 -
2.
3.
4.
D
- 64 -
110 30
80 2,316 300
5,700 97.4%
5.
60 C
30
C/B
2016-2018 180
60
- 65 -
A.2.1 2018 2 1
2018 6 12 2018 8 6
- 66 -
A 150,000 100,000 250,000
H 50,000 0 50,000
A 0 0 0
H 0 100,000 100,000
A 80,000 0 80,000
H 20,000 0 20,000
A 46,000 50,000 96,000
H 20,000 0 20,000
A 80,000 0 80,000
H 30,000 20,000 50,000
A 0 20,000 20,000
H 0 0 0
A 0 20,000 20,000
H 0 0 0
A 40,000 0 40,000
H 20,000 0 20,000
A 60,000 0 60,000
H 20,000 0 20,000
A 70,000 0 70,000
H 0 0 0
A 200 (200) 0
H 0 0 0
A 50,000 0 50,000
H 0 0 0
A 46,100 20,000 66,100
H 0 0 0
A 50,000 0 50,000
H 30,000 0 30,000
A 0 0 0
H 50,000 0 50,000
A 0 0 0
H 30,000 0 30,000
- 67 -
A 210,000 0 210,000
H 180,000 0 180,000
A 80,000 0 80,000
H 20,000 0 20,000
A 0 0 0
H 20,000 20,000 40,000
A 130,000 0 130,000
H 50,000 0 50,000
A 40,000 0 40,000
H 20,000 0 20,000
A 79,100 0 79,100
H 20,000 0 20,000
A 80,000 0 80,000
H 0 0 0
A 71,300 0 71,300
H 0 0 0
XV
XV
352
A
2018
2018 2018
- 68 -
12 31
2018 2017
348,864 314,200
(217,956) (189,327)
130,908 124,873
44,673 44,060
(3,436) (3,509)
41,237 40,551
17,099 2,096
290 3,084
(132)
227 132
7,481 12,968
15,813 12,816
(31,469)
(43,454)
(60)
(6,722) (12,211)
(76,752) (69,575)
86,067 83,265
(11,902) (12,574)
74,165 70,691
- 69 -
12 31
2018 2017
102
–
2,086
(171)
(2,317)
(2,111)
110 18
(93) 103
18 (9)
1,998 (1,592)
4,050 (5,908)
- 70 -
12 31
2018 2017
61
(25) 31
(14)
4,072 (5,877)
78,237 64,814
73,630 70,223
535 468
74,165 70,691
77,461 64,585
776 229
78,237 64,814
0.96 0.91
- 71 -
2018 2017
12 31 12 31
840,171 938,571
848,067 782,468
30,730 34,007
4,742,372 4,473,255
376,386 227,030
2,000,505
437,630
7,388
402,138
387,733
1,511,375
3,653 3,357
153,286 132,492
21,975 16,456
69,008 129,372
9,531,171 9,038,254
- 72 -
2018 2017
12 31 12 31
2,162,293 2,106,192
23,109 26,964
28,105 33,344
5,793,324 5,545,366
366,753 150,482
2,279 7,943
598 520
317,688 287,662
131,714 203,510
8,825,863 8,361,983
74,263 74,263
59,876 59,876
113,663 113,663
321,442 298,827
129,161 124,514
698,405 671,143
6,903 5,128
705,308 676,271
9,531,171 9,038,254
- 73 -
2017 12 31 74,263 59,876 113,663 57,461 139,767 104,470 (2,365) 7 (1,875) 35 1,327 124,514 671,143 5,128 676,271
IFRS 9 – – – – – – 1,891 (6) – – – – (28,257) (26,372) (54) (26,426)
2018 1 1 74,263 59,876 113,663 57,461 139,767 104,470 (474) (6) 7 (1,875) 35 1,327 96,257 644,771 5,074 649,845
– – – – – – – – – – – – 73,630 73,630 535 74,165
– – – – – – 1,867 (14) 17 1,968 (25) 18 – 3,831 241 4,072
– – – – – – 1,867 (14) 17 1,968 (25) 18 73,630 77,461 776 78,237
– – – – – – – – – – – – – – 1,125 1,125
– – – – – – – – – – – – (21,209) (21,209) (72) (21,281)
– – – – – – – – – – – – (2,618) (2,618) – (2,618)
– – – 7,055 29 9,811 – – – – – – (16,895) – – –
– – – – – – 4 – – – – – (4) – – –
2018 12 31 74,263 59,876 113,663 64,516 139,796 114,281 1,397 (20) 24 93 10 1,345 129,161 698,405 6,903 705,308
2017 1 1 74,263 59,876 113,392 50,650 139,764 87,732 1,832 (114) (291) 4 1,336 100,698 629,142 3,265 632,407
– – – – – – – – – – – 70,223 70,223 468 70,691
– – – – – – (4,197) 121 (1,584) 31 (9) – (5,638) (239) (5,877)
– – – – – – (4,197) 121 (1,584) 31 (9) 70,223 64,585 229 64,814
– – 277 – – – – – – – – – 277 1,667 1,944
– – – – – – – – – – – (20,162) (20,162) (33) (20,195)
– – – – – – – – – – – (2,693) (2,693) – (2,693)
– – – 6,811 3 16,738 – – – – – (23,552) – – –
– – (6) – – – – – – – – – (6) – (6)
2017 12 31 74,263 59,876 113,663 57,461 139,767 104,470 (2,365) 7 (1,875) 35 1,327 124,514 671,143 5,128 676,271
- 74 -
12 31
2018 2017
86,067 83,265
43,623 30,161
(43) –
(97) 221
1,075 991
(1,104) 11
33 80
27 6
– (1)
1,393 8,916
10,250 9,315
549 110
(15) (123)
(85,449) (79,895)
(1,618) (1,812)
(6,527) 5,756
(227) (132)
(290) (3,084)
11,992 10,068
59,639 63,853
- 75 -
12 31
2018 2017
106,039 (29,838)
(52,257) (71,456)
(88,330) (56,908)
(326,960) (379,286)
4,266 (34,951)
238,717 151,684
(5,013) (17,823)
393,174 369,296
(191,806) 28,803
576 (590)
(14,153) (12,057)
123,892 10,727
(694,169) (530,249)
542,954 355,053
379 420
81,294 79,977
(694) (1,535)
124 34
(30,649) (27,736)
621 1,077
(100,140) (122,959)
- 76 -
12 31
2018 2017
41,846 90,028
(36,043) (32,062)
1,125 1,944
(20,332) (29,395)
(72) (33)
(13,476) 30,482
4,297 (5,727)
14,573 (87,477)
228,919 316,396
243,492 228,919
281,793 243,096
(193,279) (167,796)
- 77 -
1
622
1.1
(a)
2018 2018
9
15
40
28
2014 - 2016
22
2
4
9
9
(IASB) 2014 7
9 (IFRS 9) 2018
1 1
IFRS 9
IFRS 9
IFRS 9
7 (IFRS 7)
IFRS 9
- 78 -
IFRS 7 IFRS 9
15
15
(1) (2)
(3) (4)
(5)
15
15 18
11
40
2016 12 8 40
28
2014-2016
28
- 79 -
22
22
2
2016 6 20
2
4
2016 9 12
4
9
2021
9
9
- 80 -
(b)
10
28 2016 1 1
23 2019 1 1
16 2019 1 1
17 2021 1 1
3 2019 1 1
11 2015 - 2017
12
23
9 2019 1 1
19 2019 1 1
28 2019 1 1
10 28
10 28
23
23
12
- 81 -
16
16 2016 1 2019
1 1
2019 1 1
2019
17
2017 5 17
4
9
17
- 82 -
17
2015-2017
2015-2017
3
11 12
23
9
2017 10 12
9
19
2018 2 7 19
28
28
9
- 83 -
16 17
2
12 31
2018 2017
225,422 200,207
85,449 79,895
24,945 20,528
13,048 13,570
348,864 314,200
(128,589) (111,366)
(66,788) (64,751)
(11,344) (3,572)
(11,235) (9,638)
(217,956) (189,327)
130,908 124,873
1,618 1,812
- 84 -
3
12 31
2018 2017
20,114 16,267
12,524 14,948
4,424 4,518
2,777 3,216
2,461 2,554
2,167 1,884
206 673
44,673 44,060
12 31
2018 2017
701 907
3,406 3,124
- 85 -
4
2018
(43)
42,813
(317)
(1,142)
(362)
265
1,075
1,127
38
43,454
2018
33
27
60
2017
30,161
412
4
(195)
80
991
6
(1)
11
31,469
- 86 -
5
12 31
2018 2017
6,838 13,602
1,058 826
593 408
8,489 14,836
3,413 (2,262)
11,902 12,574
25% 2017 25%
25% 2017 25%
12 31
2018 2017
86,067 83,265
25% 21,517 20,816
(33) (31)
3,589 1,966
(1)
(12,395) (10,282)
(776) 105
11,902 12,574
(1)
- 87 -
6
12 31
2018 2017
73,630 70,223
(2,618) (2,693)
71,012 67,530
74,263 74,263
0.96 0.91
2015 7 29 2016 9 2
26.18
2018 12 31
2018 12 31
7
- 88 -
2018 12 31
2,541,252 26,441 (25,640)
831,692 4,289 (2,465)
3,372,944 30,730 (28,105)
2017 12 31
2,472,503 31,655 (31,819)
721,892 2,352 (1,525)
3,194,395 34,007 (33,344)
- 89 -
2018 2017
12 31 12 31
1,785,452 1,518,866
1,384,347 1,343,072
129,328 200,543
73,817 131,914
3,372,944 3,194,395
- 90 -
1
2
1
- 91 -
2
a)
2018 12 31
2 2 – – – 4
3.71 3.76 – – –
(i)
2 4 236 183 – 425
3.70% 2.63% 3.75% 4.18% –
70 – 6,266 44,609 19,760 70,705
3.21% – 2.65% 3.31% 3.66%
- 92 -
2018 12 31
3,022 931 6,353 – – 10,306
6.84 6.85 6.82 – –
4.93 5.04 4.94 – –
(ii)
594 2,809 2,474 1,365 – 7,242
– – – 2.68% –
7.80 7.79 7.81 – –
– 5.95 5.87 – –
– – – 10.40 –
(ii)
961 2,862 3,137 – – 6,960
3.36% 3.50% 3.46% – –
1.35 – 1.38 – –
– – 1.43 – –
– 1.47 – – –
– 3.92 – – –
6.49 6.33 6.57 – –
– – 608 – – 608
– – 1.43 – –
– – 1.86 – –
– – – 471 1,348 1,819
– – – 4.74% 4.67%
(i)
(ii)
- 93 -
b)
2018 12 31
4 – – 1
425 14 (1) 65
70,705 1,108 (352) (94)
25,116 451 (201) 122
1,819 28 – 25
- 94 -
c)
2018 12 31
– (705) – (124) (116)
67,742 – (722) – 51
– (663) – 23 8
2,134 – (19) – 15
– (541) – 5 (39)
(122) 3
(25) 21
- 95 -
d)
2018
(50)
(59)
122 – (11) (113)
25 – – –
2017
2017 12 31
73,235 927 (129)
24,414 401 (228)
97,649 1,328 (357)
- 96 -
(a)
2017
12 31
256
(348)
(92)
(b)
2017 12 31 0.23
8
12 31
2018 2017
21,209 20,162
2,618 2,693
(1)
(2) 10%
(3)
(4)
- 97 -
2018 3 29 2018 6 29 2017
2018 87.05 2017
12 31 742.63 1
A H 0.2856
212.09
2018 4 27
2018 7 29
2018 7 30 5%
1.36
2018 9 7 3.9%
17.55
A
2018
2018 2018
9
2018 2017
12 31 12 31
268,097 272,981
141,137 131,280
228,550 196,125
759,994 742,011
1 12,709 16,147
1 45,731 54,159
1,456,218 1,412,703
- 98 -
2018 2017
12 31 12 31
66,968 70,236
2018 2017
12 31 12 31
1 1 3,918 4,185
1 2 2 2,772 3,124
2 3 3 1,908 2,186
3 5 5 2,215 2,492
5 1,532 1,819
12,345 13,806
2018 2017
12 31 12 31
1 1 11,204 8,411
1 2 2 11,045 8,388
2 3 3 10,768 8,139
3 5 5 20,983 14,892
5 59,827 37,053
113,827 76,883
- 99 -
2018 12 31
744.23 2017 12 31 732.71
2018 12 31
2017 12 31
2018 2017
12 31 12 31
3,242 3,694
982 449
- 100 -
10
(1)
(2)
(3)
(4)
(5)
(6)
(7)
- 101 -
2018 12 31
28,500 9,630 78,890 43,787 21,811 29,276 136,970 – 348,864
(30,461) (8,934) (58,022) (32,062) (14,467) (21,499) (52,511) – (217,956)
18,453 4,572 23,413 18,201 6,372 (426) (70,585) – –
16,492 5,268 44,281 29,926 13,716 7,351 13,874 – 130,908
4,342 1,623 13,606 8,160 3,221 3,350 10,371 – 44,673
(226) (53) (1,508) (285) (153) (351) (860) – (3,436)
4,116 1,570 12,098 7,875 3,068 2,999 9,511 – 41,237
326 74 1,310 455 154 1,094 13,686 – 17,099
– – 149 – – 282 (141) – 290
– – 7,446 – – 35 – – 7,481
– – – – – 13 214 – 227
1,166 218 10,412 804 591 1,511 1,111 – 15,813
22,100 7,130 75,696 39,060 17,529 13,285 38,255 – 213,055
(2,395) (7,716) (10,425) (5,516) (4,855) (399) (12,148) – (43,454)
– – (27) (24) – (9) – – (60)
– – (6,712) – – (10) – – (6,722)
(7,234) (3,321) (25,618) (11,252) (5,980) (4,968) (18,379) – (76,752)
12,471 (3,907) 32,914 22,268 6,694 7,899 7,728 – 86,067
(11,902)
74,165
(734) (335) (1,683) (1,052) (611) (235) (1,027) – (5,677)
(361) (170) (27,597) (974) (665) (780) (798) – (31,345)
- 102 -
2017 12 31
26,790 9,374 71,906 38,861 20,626 20,414 126,229 – 314,200
(32,819) (8,792) (58,026) (33,832) (14,144) (13,250) (28,464) – (189,327)
23,116 4,984 25,232 21,602 6,651 (400) (81,185) – –
17,087 5,566 39,112 26,631 13,133 6,764 16,580 – 124,873
4,831 1,715 14,556 8,849 3,414 2,926 7,769 – 44,060
(373) (83) (1,975) (429) (245) (298) (106) – (3,509)
4,458 1,632 12,581 8,420 3,169 2,628 7,663 – 40,551
279 59 942 432 90 189 105 – 2,096
– – 556 70 – 425 2,033 – 3,084
– – 12,932 – – 36 – – 12,968
– – – – – (5) 137 – 132
1,285 204 8,192 819 453 1,489 374 – 12,816
23,109 7,461 74,315 36,372 16,845 11,526 26,892 – 196,520
(2,398) (1,690) (14,612) (3,875) (3,762) (281) (4,851) – (31,469)
– – (12,198) – – (13) – – (12,211)
(7,243) (3,314) (21,414) (11,089) (5,311) (4,323) (16,881) – (69,575)
13,468 2,457 26,091 21,408 7,772 6,909 5,160 – 83,265
(12,574)
70,691
(787) (383) (1,762) (1,120) (658) (195) (973) – (5,878)
(411) (179) (24,075) (1,049) (590) (394) (2,107) – (28,805)
- 103 -
2018 12 31
1,157,867 339,827 2,669,816 1,434,255 688,096 1,006,195 4,224,506 (2,011,366) 9,509,196
– – 4 7 – 67 3,575 – 3,653
21,975
9,531,171
(1,140,638) (342,636) (2,534,865) (1,399,199) (681,169) (991,077) (3,747,047) 2,011,366 (8,825,265)
(598)
(8,825,863)
2017 12 31
1,278,373 365,648 2,692,078 1,523,081 727,652 939,297 4,077,988 (2,582,319) 9,021,798
– – 4 6 – 82 3,265 – 3,357
16,456
9,038,254
(1,265,063) (363,044) (2,597,457) (1,493,665) (721,874) (931,308) (3,571,371) 2,582,319 (8,361,463)
(520)
(8,361,983)
- 104 -
2018 12 31
49,626 41,747 37,302 2,233 130,908
19,847 8,946 (28,793) – –
69,473 50,693 8,509 2,233 130,908
14,322 24,131 603 2,181 41,237
2,585 (53) 13,876 691 17,099
– – 290 – 290
– – – 227 227
– – – 7,481 7,481
11,508 3,130 2 1,173 15,813
97,888 77,901 23,280 13,986 213,055
(29,726) (13,607) 141 (262) (43,454)
(34) – – (26) (60)
– – – (6,722) (6,722)
(1,708) (3,581) (125) (263) (5,677)
(28,641) (36,093) (2,467) (3,874) (71,075)
37,779 24,620 20,829 2,839 86,067
(11,902)
74,165
(1,708) (3,581) (125) (263) (5,677)
(9,430) (19,775) (688) (1,452) (31,345)
- 105 -
2017 12 31
50,787 32,986 39,151 1,949 124,873
17,685 12,273 (29,958) – –
68,472 45,259 9,193 1,949 124,873
16,034 20,229 2,483 1,805 40,551
1,959 99 (511) 549 2,096
– – 3,084 – 3,084
– – – 132 132
– – – 12,968 12,968
9,064 2,308 10 1,434 12,816
95,529 67,895 14,259 18,837 196,520
(27,687) (3,447) (221) (114) (31,469)
– – – (12,211) (12,211)
(1,769) (3,708) (129) (272) (5,878)
(24,590) (33,420) (2,461) (3,226) (63,697)
41,483 27,320 11,448 3,014 83,265
(12,574)
70,691
(1,769) (3,708) (129) (272) (5,878)
(8,667) (18,172) (632) (1,334) (28,805)
- 106 -
2018 12 31
3,181,294 1,721,526 4,529,647 76,729 9,509,196
– – – 3,653 3,653
21,975
9,531,171
(4,247,625) (1,806,316) (2,742,362) (28,962) (8,825,265)
(598)
(8,825,863)
2017 12 31
3,145,789 1,487,329 4,307,392 81,288 9,021,798
– – – 3,357 3,357
16,456
9,038,254
(3,621,436) (1,606,949) (3,110,385) (22,693) (8,361,463)
(520)
(8,361,983)
- 107 -
11
2018 12 31
126,424 – 371 – – – – 713,376 840,171
93,420 330,936 67,073 207,595 143,572 5,471 – – 848,067
– 5,601 6,887 13,831 2,859 1,552 – – 30,730
8,232 7,253 9,786 47,586 58,183 50,050 458 194,838 376,386
– 664,962 257,043 1,191,035 1,088,301 1,514,178 26,853 – 4,742,372
– 13,348 27,707 106,691 232,364 57,520 – – 437,630
– – – – – – – 7,388 7,388
– 38,084 52,330 227,158 1,187,867 494,466 600 – 2,000,505
55,165 – 165 499 21,311 1,309 781 168,692 247,922
283,241 1,060,184 421,362 1,794,395 2,734,457 2,124,546 28,692 1,084,294 9,531,171
(438,924) (354,689) (329,637) (966,127) (46,308) (26,608) – – (2,162,293)
(865) (2,968) (5,801) (5,978) (7,497) – – – (23,109)
– (5,036) (6,199) (14,435) (2,199) (236) – – (28,105)
(2,442,774) (554,332) (397,452) (1,649,194) (674,006) (75,566) – – (5,793,324)
(50,161) (53,191) (118,200) (238,444) (214,200) (144,836) – – (819,032)
(2,932,724) (970,216) (857,289) (2,874,178) (944,210) (247,246) – – (8,825,863)
(2,649,483) 89,968 (435,927) (1,079,783) 1,790,247 1,877,300 28,692 1,084,294 705,308
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2017 12 31
129,158 – – 152 – – – 809,261 938,571
76,427 357,109 81,883 234,917 32,132 – – – 782,468
– 6,237 8,381 15,942 3,143 304 – – 34,007
4,968 8,938 17,312 54,804 47,154 9,413 270 84,171 227,030
– 544,512 292,796 1,115,050 1,105,688 1,371,355 43,854 – 4,473,255
– 5,144 6,701 57,857 205,004 112,947 80 – 387,733
– 17,690 22,554 55,866 234,404 63,234 – 8,390 402,138
– 26,455 36,150 134,704 895,522 418,544 – – 1,511,375
50,526 9,672 13,471 7,465 33,354 8,377 121 158,691 281,677
261,079 975,757 479,248 1,676,757 2,556,401 1,984,174 44,325 1,060,513 9,038,254
(381,472) (448,523) (543,334) (706,377) (10,870) (15,616) – – (2,106,192)
(585) (7,174) (7,883) (6,867) (4,455) – – – (26,964)
– (6,384) (7,669) (16,868) (2,222) (201) – – (33,344)
(2,512,066) (686,030) (569,933) (929,244) (838,196) (9,897) – – (5,545,366)
(47,566) (53,545) (65,062) (117,156) (217,476) (149,312) – – (650,117)
(2,941,689) (1,201,656) (1,193,881) (1,776,512) (1,073,219) (175,026) – – (8,361,983)
(2,680,610) (225,899) (714,633) (99,755) 1,483,182 1,809,148 44,325 1,060,513 676,271
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12
2019 1 7
2019 3 25 8 35
2021 2022 2024
2019 3 400
2019 3 900
2019 3
55
55
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2018
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