Bank of Communications Co., Ltd.
03328 4605
2019 12 31
2019
12 31
A 601328
H 03328
1 360021
BOCOM 15USDPREF 4605
188
021-58766688
021-58798398
investor@bankcomm.com
-1-
2019 1 1 16
2019
2019 2018 2017 2016 2015
144,083 130,908 124,873 131,315 139,451
43,625 41,237 40,551 36,795 35,027
232,857 213,055 196,520 194,027 194,536
88,200 86,067 83,265 86,110 86,012
77,281 73,630 70,223 67,210 66,528
9,905,600 9,531,171 9,038,254 8,403,166 7,155,362
1
5,304,275 4,854,228 4,579,256 4,220,635 3,835,784
9,104,688 8,825,863 8,361,983 7,770,759 6,617,270
1
6,005,070 5,724,489 5,545,366 5,284,059 4,830,915
793,247 698,405 671,143 629,142 534,885
2
1.00 0.96 0.91 0.89 0.90
3
9.34 8.60 8.23 7.67 7.00
(%)
0.80 0.80 0.81 0.87 1.00
2
11.20 11.36 11.44 12.18 13.43
4
1.58 1.51 1.51 1.78 2.14
5
30.11 31.50 31.85 30.90 30.01
1.47 1.49 1.50 1.50 1.48
171.77 173.13 154.73 153.61 158.19
6
911,256 817,549 790,381 723,961 627,862
6
689,489 634,807 609,454 568,131 518,487
6
100,057 60,025 59,975 59,920 14,943
6
121,710 122,717 120,952 95,910 94,432
6
6,144,459 5,690,542 5,646,313 5,163,250 4,653,723
(%)6 14.83 14.37 14.00 14.02 13.49
(%)6 12.85 12.21 11.86 12.16 11.46
(%)6 11.22 11.16 10.79 11.00 11.14
-2-
1. 2018
[2018]36
2.
3.
4.
5.
6.
74,262,726,645 A 39,250,864,015
52.85% H 35,011,862,630 47.15%
43,438,978,252 58.49% 31,186,505,823
41.99%
1
(%)
2
(1,970,269,383) 13,178,424,446 17.75 A
– 4,553,999,999 6.13 H
3
7,899,812 14,968,188,344 20.16 H
4
– 13,886,417,698 18.70 H
2,5,6
(742,627,266) 1,134,886,185 1.53 A
– 1,405,555,555 1.89 H
– 2,222,588,791 2.99 A
1,970,269,383 1,970,269,383 2.65 A
6
– 1,246,591,087 1.68 A
6
– 808,145,417 1.09 A
– 794,557,920 1.07 A
6
– 745,305,404 1.00 A
-3-
1.
2. 8
2019 12 10%
1,970,269,383
3
3.
H
4. H
13,886,417,698 HSBC Holdings plc)
H 14,135,636,613
19.03%
249,218,915 2007 H
H
XV
5. A 1,134,886,185 H
1,405,555,555 2019 5 A 742,627,266
1%
2019 12 A 1,970,269,383
H 7,655,672,777 7,027,777,777
627,895,000
A H 12,909,011,166
17.38%
6.
XV
336
A
A 1
(%) (%)
13,178,424,4462 33.57 17.75
3,847,782,8343 9.80 5.18
-4-
H
H 1
(%) (%)
9,061,228,3323 25.88 12.20
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 13,178,424,446
17.75%
3. 2019 A 1,134,886,185 H
1,405,555,555 2019 5 A 742,627,266
1%
2019 12 A 1,970,269,383
2019
H 7,655,672,777 7,027,777,777
627,895,000 2019
12 A H 12,909,011,166
17.38%
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
336
XV
1.
(%)
DB Nominees (Hong Kong) – 122,500,000 100.00 –
Limited
-5-
1.
2. DB Nominees (Hong Kong) Limited
Euroclear Clearstream 122,500,000
100%
3.
4.
2.
(%)
– 100,000,000 22.22 –
– 20,000,000 4.44 –
– 20,000,000 4.44 –
– 20,000,000 4.44 –
– 20,000,000 4.44 –
5
– 20,000,000 4.44 –
– 18,000,000 4 –
7,000,000 18,000,000 4 –
– 15,000,000 3.33 –
– 15,000,000 3.33 –
1.
2.
3.
-6-
2019 4 29
136,111,111 5%
122,500,000 10%
13,611,111 2019 7
29 3.9%
1,755,000,000 2019 9 9
2019 9 9 1,755,000,000 3.9%
2019 7 29 136,111,111 5.0%
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%
22 37
9
32
-7-
1.
9,525.15
1,828.46
7,618.50
2,200.80
42.22% 82.48%
274.37 500
2019
e
-8-
AUM) 34,463.15
3,887.20 12.71% 2018 6.11%
2017 6.44%
(MAU) 36.44%
150.40 19.01%
47,191
18.49%
(AUM)
4,713.84 895.69
50
40
20
H IPO
-9-
2.
531
APP
20 1,500
2.9
ETC
APP
+
+
20
4,000
120
97.67%
85% 40%
+ 1.81
50% 90%
1.6 98%
50%
FinTech
3,460
59.15% 4.05% 1.33
50.45 22.94%
2.57% 0.38
- 10 -
2019
364.87
2.18 7
34.5%
772.81 4.96%
0.11 99,056.00
3.93%
–
3 6
1.58% 7
– 2,328.57 9.29%
1,440.83 10.06%
–
10%
5.79%
– 30.11% 1.39
– 87.99
7.00% 22.38
4.38%
- 11 -
– 49,258.63
3,894.39 8.58% 364.87
– 1,781 22.1%
69 644 214% 162%
294.3 11.9%
–
1,639.52 558.19
51.62% 3.34
3.22% 2.15
–
1,154 254 28%
98,107
810.8 960 33
1.7
–
2,196 2.18
52% 6.8
–
- 12 -
– 1.47% 0.02
0.13 171.77%
–
85%
–
– 5+N
–
29
AUM
(AUM) 34,463.15
12.71%
–
8.87% 15.49%
0.53 0.43
15.54% 17.20%
0.75 0.76
– 50
22.94% 2.57% 0.38
FinTech
IT IT
IT
IT
IT
- 13 -
–
1 2.7
96%
80.06
270.12 97.67% 1.08
–
16.93%
64.26% 4.48%
(AUM)
97.98%
97.33
– 11 (FORTUNE)
500 150 18 3
The Banker 11 2018
A 18
6
2
–
18.66%
- 14 -
–
460
–
10 200
–
–
- 15 -
1.
383.73
3.53% 740.73
8.05% 151.68 5.39%
40,317.84
2.22% 35,495.10
10.28%
594.69
1.68%
(1)
+ +
16.93% 64.26%
(2)
1,639.52
558.19 51.62% 10.44
3.34 3.22% 2.15
95 2,272
87.22%
- 16 -
(3)
+ +
4,000
1,500 21.04%
(4)
+ + e
21
2.75 83.47
(5)
20 40
100 60
330
80%
LPR
43.37
9.10% 516
3,147.66 2019
2019
- 17 -
(6)
29
QDII/
QFII
10.30% e
93,942.45
5.40%
(7)
44.72 1,005.89
95559
45.07%
2.
291.24
17.48% 607.91
19.69% 255.85 6.21%
19,699.22
10.89% 17,547.65
7.28% 4.48%
185.74
1.06%
(AUM)
- 18 -
(1) (AUM)
+
(AUM) 150.40
19.01% 2018 (12.38%) 2017 (12.11%)
(AUM) 34,463.15
12.71% 2018 (6.11%) 2017 (6.44%)
(2)
11,354.28
12.69% 133.44
64.70
(3)
PLUS
27% 23%
70.4% AUM
31%
(4)
47,191 18.49% 2018 11.09% 2017
6.21% 6,092.06
18.27% 2018 9.58% 2017 6.12%
- 19 -
(5)
ETC
Sony PlayStation 14
3.44
APP ETC
6,000
11.42% 2,568
7,180 25 1.20
651.68 29,483.27
3.97% 4,673.87
7.48% 2.38% 0.86
(6)
ETC
APP ETC
15,238 985
22,409.16
(7)
2019 11 18
APP
ETC
8.8
20 1,500
2,218.24 36.44% 15
(CFCA)
- 20 -
(8)
3,079 162
27 189 242
72.46% 0.90
46.77% 3.26
1.73 1,738
(9)
2018
A 18
2019 20
6
3.
173.48
69.53
5.43
30,058.43
6.52% 3.55%
- 21 -
(1)
PTA
1,999.42
274.11
1,130
246
965 243
100% 97.98%
97.33
829
(2)
1,249 1,887.11
125
5.28
18,398.96 36.68
25.42 11.26
6,472.85
30,058.43
6.52% 3.55%
- 22 -
(3)
2,745.47
1,569.59 15.12
30.64% 8,959.20
1,383.01 18.25%
(4)
1,592.94 14.70
1.11
2018
11 2018
4.
(1)
63.63
15.54% 0.75
8.23%
11,640.18
8.87%
0.53 11.75%
7.61
0.20%
- 23 -
21,760.79 0.32
1,138.79
360.91
2019
17 22
68
127 1,058 32
114 234 31
62 26 81
CIPS
2.4 16%
- 24 -
22,189.63 11.51%
1.31 17.11% 182.29
5.81% 99.43
112.59
(2)
55.61
17.20% 0.76 7.20%
4,247.38
15.49% 0.43
4.29%
2,475.25
1,549.88 249 428
(AUM)
7,751.49
- 25 -
2/70 8/86
11/109 10 20
40% 2,201
113
19%
5 11
6
4
12.60% 13.23%
56 40 314.31
236.82
2019 6
1,102.05
1.
(1)
882.00
21.33 2.48%
- 26 -
2019 2018
144,083 130,908
88,774 82,147
43,625 41,237
232,857 213,055
(51,954) (43,454)
(270) (60)
(11,432) (6,722)
(81,001) (76,752)
(66,560) (64,040)
88,200 86,067
(10,138) (11,902)
78,062 74,165
2019
(%) (%)
144,083 61.88 10.06
43,625 18.74 5.79
15,936 6.84 (6.80)
313 0.13 7.93
414 0.18 82.38
11,687 5.02 56.22
16,799 7.21 6.24
232,857 100.00 9.29
- 27 -
(2)
1,440.83
131.75 61.88%
2019 12 31 12 2018 12 31 12
(%) (%)
810,744 11,691 1.44 892,407 13,048 1.46
820,846 24,167 2.94 791,264 24,945 3.15
4,969,586 242,948 4.89 4,625,409 225,422 4.87
3,124,000 145,053 4.64 2,974,243 135,890 4.57
1,632,315 90,667 5.55 1,507,695 82,821 5.49
213,271 7,228 3.39 143,471 6,711 4.68
2,498,842 88,647 3.55 2,383,808 85,449 3.58
9,100,018 367,453 4.04 8,692,888 348,864 4.01
812,366 662,259
9,912,384 9,355,147
5,919,435 139,153 2.35 5,668,198 128,589 2.27
4,016,938 92,749 2.31 3,905,635 86,677 2.22
1,902,497 46,404 2.44 1,762,563 41,912 2.38
2,027,770 57,650 2.84 2,066,506 66,788 3.23
764,402 26,567 3.48 575,704 22,579 3.92
8,711,607 223,370 2.56 8,310,408 217,956 2.62
1,200,777 1,044,739
9,912,384 9,355,147
144,083 130,908
1
1.48 1.39
2
1.58 1.51
1 3
1.67 1.56
2 3
1.77 1.68
- 28 -
1.
2.
3.
10.06% 1.48%
9 1.58% 7
4 6
2019
(%) 1-3 4-6 7-9 10-12
1.48 1.46 1.45 1.49
1.59 1.56 1.56 1.62
1.67 1.65 1.64 1.69
1.78 1.75 1.75 1.82
- 29 -
2019 2018
(1,192) (165) (1,357)
932 (1,710) (778)
16,761 765 17,526
4,118 (920) 3,198
20,619 (2,030) 18,589
5,703 4,861 10,564
(1,251) (7,887) (9,138)
7,397 (3,409) 3,988
11,849 (6,435) 5,414
8,770 4,405 13,175
131.75
87.70
44.05
3,674.53
185.89 5.33%
66.12% 24.12% 3.18%
A.
2,429.48
175.26 7.77%
3,441.77
- 30 -
B.
886.47
31.98 3.74%
1,150.34
C.
116.91 13.57 10.40%
816.63
D.
241.67 7.78
3.12%
21
2,233.70
54.14 2.48%
A.
1,391.53 105.64
8.22% 62.30%
2,512.37 8
B.
576.50 91.38
13.68%
39
- 31 -
C.
265.67
39.88 17.66%
1,886.98
(3)
436.25
23.88 5.79%
2019 2018
21,050 20,114
14,400 12,524
4,337 4,424
3,098 2,777
2,520 2,461
2,024 2,167
240 206
47,669 44,673
(4,044) (3,436)
43,625 41,237
210.50 9.36
4.65%
144.00 18.76
14.98%
43.37 0.87
1.97%
30.98 3.21
11.56%
- 32 -
25.20 0.59
2.40%
20.24 1.43
6.60%
(4)
519.54
490.81 65.85
15.50%
(5)
665.60
25.20 3.94% 30.11% 1.39
30.11% 2
2019 2018
32,927 29,995
25,528 28,368
8,105 5,677
66,560 64,040
(6)
101.38
17.64 14.82% 11.49% 25%
- 33 -
2.
(1)
99,056.00
3,744.29 3.93%
2019 12 31 2018 12 31
(%) (%)
5,183,653 52.34 4,742,372 49.76
3,005,843 30.34 2,821,909 29.61
760,185 7.67 840,171 8.81
648,488 6.55 848,067 8.90
307,431 3.10 278,652 2.92
9,905,600 100.00 9,531,171 100.00
53,042.75 4,500.47
9.27%
4,242.94 10.01%
- 34 -
2019 12 31 2018 12 31
(%) (%)
3,346,476 63.09 3,061,915 63.08
1,189,543 22.43 1,170,200 24.11
2,156,933 40.66 1,891,715 38.97
1,754,765 33.08 1,635,627 33.69
1,135,428 21.41 1,007,528 20.75
467,387 8.81 505,190 10.41
151,950 2.86 122,909 2.53
203,034 3.83 156,686 3.23
5,304,275 100.00 4,854,228 100.00
33,464.76
2,845.61 9.29%
0.01 63.09%
193.43 2,652.18
17,547.65 1,191.38
7.28% 0.61
33.08%
5.06% 7.45% 22.42% 36.03% 15.96% 8.78%
- 35 -
2019 12 31 2018 12 31
(%) (%)
1,844,304 34.77 1,554,652 32.03
943,076 17.78 895,738 18.45
2,516,895 47.45 2,403,838 49.52
1,926,508 36.32 1,732,818 35.70
590,387 11.13 671,020 13.82
5,304,275 100.00 4,854,228 100.00
2019 1 1 125,540
49,081
(1,329)
(41,983)
2,688
55
2019 12 31 134,052
30,058.43
1,839.34 6.52%
- 36 -
2019 12 31 2018 12 31
2,585,678 2,369,521
420,165 452,388
3,005,843 2,821,909
2019 12 31 2018 12 31
(%) (%)
406,498 13.52 376,386 13.34
1,929,689 64.20 2,000,505 70.89
669,656 22.28 445,018 15.77
3,005,843 100.00 2,821,909 100.00
25,856.78
2,161.57 9.12%
- 37 -
2019 12 31 2018 12 31
(%) (%)
1,788,034 69.15 1,511,839 63.81
29,797 1.15 34,651 1.46
634,303 24.53 696,168 29.38
133,544 5.17 126,863 5.35
2,585,678 100.00 2,369,521 100.00
6,343.03
2,786.09
3,556.94 43.92% 56.08%
(%)
2018 6,909 4.99 24/01/2023 1.03
2017 6,590 4.39 08/09/2027 0.96
2018 6,420 4.82 24/01/2021 0.95
2017 5,890 4.44 09/11/2022 0.86
2015 5,863 3.74 10/09/2025 0.89
2018 5,010 4.98 12/01/2025 0.74
2018 4,420 4.83 22/01/2021 0.66
2018 4,400 4.97 29/01/2023 0.66
2018 4,380 4.53 07/02/2020 0.65
2017 3,630 4.14 11/09/2020 0.53
- 38 -
2019 2018
12 31 12 31
907 952
(148) (128)
759 824
(2)
91,046.88
2,788.25 3.16%
2,805.81 4.90% 65.96%
1.10
1,796.70 16.31%
10.12% 2.36
60,050.70 2,805.81
4.90% 67.14%
1.76 32.80% 1.77
43.27%
0.71 56.67% 0.70
2019 2018 2017
12 31 12 31 12 31
4,031,784 3,944,098 3,856,119
1,835,688 1,748,857 1,852,676
2,196,096 2,195,241 2,003,443
1,969,922 1,776,488 1,685,792
762,669 687,393 655,559
1,207,253 1,089,095 1,030,233
- 39 -
3.
1,677.35
757.57
825.45
2,064.37
818.08 183.32
867.28
1,002.04
4.
(1)
2019 2018
1 1
13,631 23,065 12,136 21,765
(1,528) 6,651 (3,909) 7,128
33,487 90,115 32,720 75,502
24,554 42,273 22,249 39,041
9,352 18,925 6,610 17,445
8,932 14,558 7,899 13,285
(228) 37,270 8,362 38,889
2
88,200 232,857 86,067 213,055
1.
2.
- 40 -
(2)
2019 12 31 2018 12 31
1,064,499 689,601 994,799 619,891
306,599 212,871 301,526 205,989
2,126,127 1,830,275 2,040,424 1,710,884
1,363,673 1,106,903 1,292,776 941,511
661,266 532,796 652,735 480,670
465,096 391,517 424,431 355,681
17,810 540,312 17,798 539,602
6,005,070 5,304,275 5,724,489 4,854,228
(3)
2019 2018
(%) (%)
232,857 100.00 213,055 100.00
104,712 44.96 97,090 45.57
88,686 38.09 77,957 36.59
19,598 8.42 23,885 11.21
19,861 8.53 14,123 6.63
88,200 100.00 86,067 100.00
38,373 43.51 37,065 43.07
29,124 33.02 24,790 28.80
17,348 19.67 21,230 24.67
3,355 3.80 2,982 3.46
- 41 -
5.
2014
2018
14.83% 12.85%
11.22%
689,489 606,296
789,546 706,166
911,256 822,709
(%) 11.22 10.82
(%) 12.85 12.61
(%) 14.83 14.69
1.
2.
- 42 -
6.
2015 1
7.43%
2019 12 31 2019 9 30 2019 6 30 2019 3 31
789,546 771,897 713,196 715,124
10,631,020 10,655,770 10,594,418 10,490,765
(%) 7.43 7.24 6.73 6.82
7.
(1)
- 43 -
1. 30,730 1,389 28 – 20,937
2.
376,386 5,571 – – 406,498
3.
445,018 2,250 2,173 160 669,656
4.
494 (1) – – –
5.
184,184 – (304) 346 235,414
1,036,812 9,209 1,897 506 1,332,505
7,899 31 – – 7,894
1,044,711 9,240 1,897 506 1,340,399
(67,770) (7,982) (30) – (73,841)
- 44 -
(2)
2019 12 31 2018 12 31
2,173,598 15,784 (20,423) 2,541,252 26,441 (25,640)
3,826,987 5,153 (6,001) 831,692 4,289 (2,465)
6,000,585 20,937 (26,424) 3,372,944 30,730 (28,105)
(3)
2019 2018
12 31 12 31
1,472,170 1,456,218
55,864 58,440
736,039 759,994
139,948 141,137
268,812 268,097
271,507 228,550
12,345
資本支出承諾 60,310 66,968
- 45 -
(4)
46.00 9.47
2019
5G
2019
- 46 -
8 4 31
2019
5G
5G 5G +
1.
5G
2019
- 47 -
2.
(1)
+ +
(2)
+ +
7 24
95559
(3)
+
378.65
21.4
70
100 45
- 48 -
(4)
(5)
(6)
ETF MOM
QDIE QFLP
(7)
- 49 -
3.
(1)
(2)
ETC
(3)
144
32
3
(4)
APP POS NFC
- 50 -
(5)
+ +
(6)
(7)
APP
APP 6,077
50
62
3
3.9
80% 100%
- 51 -
(8)
2019 11
20
1,500
+ 15
12
(DAU) 2018 400
(MAU) 36.44%
30.27% 18.45%
8.8
ATM
110
API H5 10
ISV 4,000
1
4.
(1)
- 52 -
(2)
0-5
LPR
LPR 5 LPR
1 LPR
G10
FT
EUR/USD
(3)
1901
1902
1901
(4)
2
2019
2
- 53 -
1.
2.
1+4+2
3.
- 54 -
4.
1
1
- 55 -
632.9 419.8
780.43 1.47%
55.31 0.02
2019 12 31 2018 12 31 2017 12 31
(%) (%) (%)
5,111,715 96.37 4,662,605 96.06 4,378,840 95.62
114,517 2.16 119,111 2.45 131,910 2.88
5,226,232 98.53 4,781,716 98.51 4,510,750 98.50
16,963 0.32 13,711 0.28 18,723 0.41
42,508 0.80 38,456 0.79 24,865 0.54
18,572 0.35 20,345 0.42 24,918 0.55
78,043 1.47 72,512 1.49 68,506 1.50
5,304,275 100.00 4,854,228 100.00 4,579,256 100.00
- 56 -
–
2019 12 31 2018 12 31
(%) (%) (%) (%)
3,346,476 63.09 59,443 1.78 3,061,915 63.08 57,147 1.87
1,754,765 33.08 18,574 1.06 1,635,627 33.69 15,340 0.94
1,135,428 21.41 4,038 0.36 1,007,528 20.75 3,863 0.38
467,387 8.81 11,135 2.38 505,190 10.41 7,683 1.52
55,560 1.05 1,647 2.96 31,871 0.66 1,947 6.11
96,390 1.81 1,754 1.82 91,038 1.87 1,847 2.03
203,034 3.83 26 0.01 156,686 3.23 25 0.02
5,304,275 100.00 78,043 1.47 4,854,228 100.00 72,512 1.49
594.43 1.78%
0.09 185.74
1.06%
- 57 -
–
2019 12 31 2018 12 31
(%) (%) (%) (%)
3,346,476 63.09 59,443 1.78 3,061,915 63.08 57,147 1.87
637,943 12.03 8,665 1.36 573,151 11.82 5,013 0.87
601,143 11.33 24,711 4.11 581,412 11.98 26,642 4.58
508,863 9.59 2,428 0.48 413,716 8.52 1,002 0.24
284,797 5.37 124 0.04 263,235 5.42 111 0.04
264,495 4.99 877 0.33 216,536 4.46 1,008 0.47
221,381 4.17 11,601 5.24 246,706 5.08 13,733 5.57
215,642 4.07 1,210 0.56 186,117 3.83 845 0.45
135,998 2.56 2,099 1.54 114,577 2.36 1,613 1.41
117,555 2.22 2,999 2.55 119,091 2.45 2,877 2.42
107,865 2.03 11 0.01 98,342 2.03 – –
96,875 1.83 728 0.75 89,436 1.84 392 0.44
93,314 1.76 2,515 2.70 96,428 1.99 2,486 2.58
32,259 0.61 1,051 3.26 34,486 0.71 571 1.66
28,346 0.53 424 1.50 28,682 0.59 854 2.98
1,754,765 33.08 18,574 1.06 1,635,627 33.69 15,340 0.94
203,034 3.83 26 0.01 156,686 3.23 25 0.02
5,304,275 100.00 78,043 1.47 4,854,228 100.00 72,512 1.49
- 58 -
–
2019 12 31 2018 12 31
(%) (%) (%) (%)
540,312 10.19 11,133 2.06 539,602 11.12 7,681 1.42
689,601 13.00 5,506 0.80 619,891 12.77 7,734 1.25
212,871 4.01 13,826 6.50 205,989 4.24 8,668 4.21
1,830,275 34.51 21,573 1.18 1,710,884 35.24 21,895 1.28
1,106,903 20.87 14,419 1.30 941,511 19.40 14,941 1.59
532,796 10.04 10,373 1.95 480,670 9.90 10,329 2.15
391,517 7.38 1,213 0.31 355,681 7.33 1,264 0.36
5,304,275 100.00 78,043 1.47 4,854,228 100.00 72,512 1.49
–
2019 12 31 2018 12 31
(%) (%)
3 28,923 0.55 25,843 0.54
3 1 28,618 0.53 32,079 0.66
1 3 23,661 0.45 21,891 0.45
3 9,318 0.18 9,351 0.19
90,520 1.71 89,164 1.84
905.20 13.56
1.71% 0.13 3
615.97 17.24
- 59 -
–
2019 12 31 2018 12 31
(%) (%)
7,634 0.14 9,415 0.19
1,949 0.04 3,617 0.07
(%) 2019 2018 2017
1.71 1.85 2.09
29.76 30.01 21.62
42.76 88.62 53.59
10.92 15.36 26.86
–
4.08%
17.02%
2019 12 31
(%)
A 37,160 0.70
B 29,300 0.55
C 15,211 0.29
D 14,579 0.27
E 12,302 0.23
F 12,000 0.23
G 9,850 0.19
H 9,788 0.18
I 7,600 0.14
J 7,290 0.14
155,080 2.92
- 60 -
5.
(VaR) (SVaR) 1
10 99%
2019
- 61 -
6.
- 62 -
2019 2018 2017
12 31 12 31 12 31
% ≥25 72.92 68.73 58.86
30
30
2,000
100% 2019
120.69%
92 4.59
2,000
100% 2019
111.33% 2.07 2019
110.02% 1.31
- 63 -
7.
8.
9.
2019
- 64 -
10.
IT
2019
11.
- 65 -
2020
2020
- 66 -
AUM+MAU
1.
87,828
85,324 2,504 3,284
30,008
543 0.64% 15,790
18.51% 13,675 16.03%
2,537
- 67 -
6.37%
1.79%
3.05%
6.26%
29.88%
6.53%
銷售拓展 29.88%
會計業務 29.41%
7.48% 經營管理 9.22%
綜合管理 7.48%
風險管理 6.53%
9.22% 市場策劃 6.26%
信息技術 3.05%
29.41% 財務管理 1.79%
其他 6.37%
12.55%
2.83%
13.10%
研究生及以上學歷 13.10%
本科學歷 71.52%
大專學歷 12.55%
中專及以下學歷 2.83%
71.52%
- 68 -
2019 12 31
(%) (%) (%)
1,219,762 12.31 458 14.55 11,344 12.92
344,260 3.48 377 11.98 8,898 10.13
2,814,349 28.41 1,103 35.05 33,902 38.60
1,519,238 15.34 662 21.04 18,276 20.81
708,382 7.15 478 15.19 10,018 11.41
1,100,223 11.11 68 2.16 2,504 2.85
4,029,099 40.67 1 0.03 2,886 3.28
(1,829,713) (18.47) – – – –
9,905,600 100.00 3,147 100.00 87,828 100.00
2.
3.
- 69 -
4.
2018-2022
186
186
2018-2022
2019
2019
105 34
71 2,335 300
7,800 97.6%
- 70 -
5.
FinTech
49 200
9 1
C/B
2016-2019 190
90
2019 10 2014 10 3
1,200,000,000 4.50% 2024
2019 8 30 10 3 10 8 (www.sse.com.cn)
(www.hkexnews.hk)
2019
- 71 -
A.2.1
2019 4 9
2019 4 9 160
2019 12 13
2019 12 13
2020 1 16
2020 1 16
A.5.1
2019 8 15
3.25 A.5.1
- 72 -
A 0 0 0
H 100,000 0 100,000
A 80,000 0 80,000
H 20,000 0 20,000
A 80,000 0 80,000
H 50,000 0 50,000
A 20,000 0 20,000
H 0 0 0
A 20,000 0 20,000
H 0 0 0
A 0 0 0
H 49,357 0 49,357
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 25,000 0 25,000
H 0 0 0
A 50,000 0 50,000
H 0 0 0
A 66,100 0 66,100
H 21,000 0 21,000
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
A 250,000 0 250,000
H 50,000 0 50,000
A 96,000 0 96,000
H 20,000 0 20,000
- 73 -
A 130,000 0 130,000
H 50,000 0 50,000
A 70,000 0 70,000
H 0 0 0
A 71,300 (10,000) 61,300
H 0 0 0
H 98
XV
XV
352
2019 12 31 74,262,726,645
A H 0.315
233.93 2020
6 30 2019
2020 5 30 2020 6 30
H 2019
H 2020 5 29
H
183
17 1712-1716
2019 2020 7 14
2020 7 13 A
2020 8 5 2020 7 13
H
2020 7 8 7 13
H H
H 2020 7 7
H
183 17 1712-1716
- 74 -
12 31
2019 2018
367,453 348,864
(223,370) (217,956)
144,083 130,908
47,669 44,673
(4,044) (3,436)
43,625 41,237
15,936 17,099
313 290
(281) (132)
414 227
11,687 7,481
16,799 15,813
(51,954) (43,454)
(270) (60)
(11,432) (6,722)
(81,001) (76,752)
88,200 86,067
(10,138) (11,902)
78,062 74,165
- 75 -
12 31
2019 2018
(335) 102
(378) –
3,715 2,086
(395) (171)
(156) 110
147 (93)
18 18
1,141 1,998
3,757 4,050
- 76 -
12 31
2019 2018
(560) 61
(20) (25)
25 (14)
3,202 4,072
81,264 78,237
77,281 73,630
781 535
78,062 74,165
80,414 77,461
850 776
81,264 78,237
1.00 0.96
- 77 -
2019 2018
12 31 12 31
760,185 840,171
648,488 848,067
20,937 30,730
5,183,653 4,742,372
406,498 376,386
1,929,689 2,000,505
669,656 445,018
4,600 3,653
171,179 153,286
24,065 21,975
86,650 69,008
9,905,600 9,531,171
- 78 -
2019 2018
12 31 12 31
1,904,082 2,162,293
26,980 23,109
26,424 28,105
6,072,908 5,793,324
498,991 366,753
7,086 2,279
918 598
403,918 317,688
163,381 131,714
9,104,688 8,825,863
74,263 74,263
99,870 59,876
59,876 59,876
39,994 –
113,663 113,663
328,310 321,442
177,141 129,161
793,247 698,405
7,665 6,903
800,912 705,308
9,905,600 9,531,171
- 79 -
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
IFRS 16 – – – – – – – – – – – – – (616) (616) (7) (623)
2019 1 1 74,263 59,876 – 113,663 64,516 139,796 114,281 1,397 (20) 24 93 10 1,345 128,545 697,789 6,896 704,685
– – – – – – – – – – – – – 77,281 77,281 781 78,062
– – – – – – – 2,013 25 (9) 1,106 (20) 18 – 3,133 69 3,202
– – – – – – – 2,013 25 (9) 1,106 (20) 18 77,281 80,414 850 81,264
– – 39,994 – – – – – – – – – – – 39,994 – 39,994
– – – – – – – – – – – – – (22,279) (22,279) (81) (22,360)
– – – – – – – – – – – – – (2,671) (2,671) – (2,671)
– – – – 381 57 3,286 – – – – – – (3,724) – – –
– – – – – – – 11 – – – – – (11) – – –
2019 12 31 74,263 59,876 39,994 113,663 64,897 139,853 117,567 3,421 5 15 1,199 (10) 1,363 177,141 793,247 7,665 800,912
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
- 80 -
12 31
2019 2018
88,200 86,067
51,954 43,454
270 60
9,115 1,393
13,982 10,250
50 549
(287) (15)
(88,647) (85,449)
(1,467) (1,618)
1,027 (6,527)
(414) (227)
(313) (290)
11,519 11,992
84,989 59,639
- 81 -
12 31
2019 2018
41,487 106,039
160,720 (52,257)
(24,219) (88,330)
(491,230) (326,960)
(27,120) 4,266
(239,042) 23,496
3,491 (5,013)
414,859 393,174
2,220 23,415
21 576
(8,721) (14,153)
(82,545) 123,892
(705,173) (694,169)
565,819 542,954
537 379
86,428 81,294
(1,822) (694)
350 124
(30,554) (30,649)
2,607 621
(81,808) (100,140)
- 82 -
12 31
2019 2018
39,994 –
168,271 41,846
– 1,125
(2,652)
(84,176) (20,332)
(9,688) (12,191)
(24,940) (23,852)
(81) (72)
86,728 (13,476)
1,868 4,297
(75,757) 14,573
243,492 228,919
167,735 243,492
283,899 281,793
(233,397) (193,279)
- 83 -
1
622
1.1
(a)
2019 2019
16
9
28
3
11 2015 – 2017
12
23
19
23
16
16 2016 1 2019 1
1
2019 1 1
- 84 -
16
2019 1 1
69,008 6,423 75,431
131,714 7,046 138,760
7,044 7,044
129,161 (616) 128,545
6,903 (7) 6,896
2019 1 1
2018 12 31 12,345
7,674
(630)
2019 1 1 7,044
9
2017 10 12
9
28
28
9
- 85 -
2015-2017
2015-2017
3
11 12
23
19
2018 2 7 19
23
23
12
16
- 86 -
(b)
10 2016
28 1 1
1 2020 1 1
8
3 2020 1 1
2020 1 1
17 2021 1 1
2023 1 1
9 2020 1 1
39
7
10 28
10 28
1 8
1 8
1
- 87 -
3
- 88 -
2020 1 1
17
2017 5 17
4
9
17
17 2021 1 1
2020 3 17
17 2023 1 1
2020 17
17
- 89 -
9 39
7
9
39 7
(IBOR)
IBOR
17
- 90 -
2
12 31
2019 2018
242,948 225,422
88,647 85,449
24,167 24,945
11,691 13,048
367,453 348,864
(139,153) (128,589)
(57,650) (66,788)
(15,048) (11,344)
(11,519) (11,235)
(223,370) (217,956)
144,083 130,908
1,467 1,618
- 91 -
3
12 31
2019 2018
21,050 20,114
14,400 12,524
4,337 4,424
3,098 2,777
2,520 2,461
2,024 2,167
240 206
47,669 44,673
12 31
2019 2018
943 701
3,541 3,406
- 92 -
4
12 31
2019 2018
(731) (43)
49,427 42,813
(346) (317)
1,434 (1,142)
(120) (362)
(160) 265
1,610 1,075
322 1,127
518 38
51,954 43,454
12 31
2019 2018
233 33
37 27
270 60
- 93 -
5
12 31
2019 2018
11,789 6,838
1,059 1,058
680 593
13,528 8,489
(3,390) 3,413
10,138 11,902
25% 2018 25%
25% 2018 25%
12 31
2019 2018
88,200 86,067
25% 22,050 21,517
(206) (33)
3,094 3,589
(1)
(15,231) (12,395)
431 (776)
10,138 11,902
(1)
- 94 -
6
12 31
2019 2018
77,281 73,630
(2,671) (2,618)
74,610 71,012
74,263 74,263
1.00 0.96
2015 7 29 2016 9 2
26.71
2019 12 31
2019 12 31
2019 9 18
2019 12 31
7
- 95 -
2019 12 31
2,173,598 15,784 (20,423)
3,826,987 5,153 (6,001)
6,000,585 20,937 (26,424)
2018 12 31
2,541,252 26,441 (25,640)
831,692 4,289 (2,465)
3,372,944 30,730 (28,105)
- 96 -
2019 2018
12 31 12 31
4,442,337 1,785,452
1,209,161 1,384,347
204,007 129,328
145,080 73,817
6,000,585 3,372,944
- 97 -
2019 12 31
121,791 295 (1,794)
29,379 130 (168)
151,170 425 (1,962)
2018 12 31
71,133 1,122 (353)
26,935 479 (201)
98,068 1,601 (554)
(a)
- 98 -
12 31
2019 2018
(2,504) (28)
2,250 (81)
(254) (109)
(b)
2019
2.10 2018 1.47
- 99 -
8
12 31
2019 2018
22,279 21,209
2,671 2,618
(1)
(2) 10%
(3)
(4)
2019 6 21 2018
27.38 2018 12 31 742.63
A H 0.30
222.79
2019 4 29
2019 7 29 5%
1.36
2019 9 7
2019 9 9 3.9%
17.55
2020 3 27 2020
70.75 44.54 2019 12 31
742.63 1 A
H 0.315
233.93
- 100 -
9
2019 2018
12 31 12 31
268,812 268,097
139,948 141,137
271,507 228,550
736,039 759,994
1 20,459 12,709
1 35,405 45,731
1,472,170 1,456,218
2019 2018
12 31 12 31
60,310 66,968
- 101 -
2018
12 31
1 1 3,918
1 2 2 2,772
2 3 3 1,908
3 5 5 2,215
5 1,532
12,345
2019 2018
12 31 12 31
1 1 13,496 11,204
1 2 2 12,818 11,045
2 3 3 12,176 10,768
3 5 5 22,920 20,983
5 42,024 59,827
103,434 113,827
2019 12 31
837.77 2018 12 31 744.23
- 102 -
2019 12 31
2018 12 31
2019 2018
12 31 12 31
5,011 3,242
1,029 982
- 103 -
10
(1)
(2)
(3)
(4)
(5)
(6)
(7)
- 104 -
2019 12 31
29,574 8,829 85,922 50,550 24,236 33,580 134,762 367,453
(29,487) (8,710) (58,943) (33,277) (15,036) (24,203) (53,714) (223,370)
17,180 4,799 23,936 15,543 5,724 (370) (66,812) –
17,267 4,918 50,915 32,816 14,924 9,007 14,236 144,083
4,652 1,531 13,610 8,480 3,365 3,166 12,865 47,669
(37) (16) (1,366) (93) (31) (328) (2,173) (4,044)
4,615 1,515 12,244 8,387 3,334 2,838 10,692 43,625
344 50 2,295 537 84 341 12,285 15,936
– – 114 – – 487 (288) 313
– – 11,647 – – 40 – 11,687
– – – – – 134 280 414
839 168 12,900 533 583 1,711 65 16,799
23,065 6,651 90,115 42,273 18,925 14,558 37,270 232,857
(2,034) (4,882) (16,255) (6,268) (3,591) (86) (18,838) (51,954)
– 1 (230) (10) (15) (16) – (270)
– – (11,424) – – (8) – (11,432)
(7,400) (3,298) (28,719) (11,441) (5,967) (5,516) (18,660) (81,001)
13,631 (1,528) 33,487 24,554 9,352 8,932 (228) 88,200
(10,138)
78,062
(1,101) (430) (2,326) (1,626) (882) (608) (1,132) (8,105)
(356) (227) (29,403) (917) (382) (281) (810) (32,376)
- 105 -
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)
18,118 4,570 23,219 18,182 6,288 (426) (69,951) –
16,157 5,266 44,087 29,907 13,632 7,351 14,508 130,908
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
21,765 7,128 75,502 39,041 17,445 13,285 38,889 213,055
(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)
12,136 (3,909) 32,720 22,249 6,610 7,899 8,362 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)
- 106 -
2019 12 31
1,219,762 344,260 2,814,349 1,519,238 708,382 1,100,223 4,029,099 (1,853,778) 9,881,535
– – 4 6 – 431 4,159 – 4,600
24,065
9,905,600
(1,202,152) (346,410) (2,648,846) (1,483,516) (697,188) (1,067,197) (3,512,239) 1,853,778 (9,103,770)
(918)
(9,104,688)
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)
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2019 12 31
54,158 45,514 42,145 2,266 144,083
19,915 15,277 (35,192) – –
74,073 60,791 6,953 2,266 144,083
15,168 25,585 543 2,329 43,625
1,708 (3) 11,789 2,442 15,936
– – 313 – 313
– – – 414 414
– – – 11,687 11,687
13,763 2,313 – 723 16,799
104,712 88,686 19,598 19,861 232,857
(31,854) (20,803) 1,014 (311) (51,954)
(233) – – (37) (270)
– – – (11,432) (11,432)
(2,917) (4,347) (406) (435) (8,105)
(31,335) (34,412) (2,858) (4,291) (72,896)
38,373 29,124 17,348 3,355 88,200
(10,138)
78,062
(2,917) (4,347) (406) (435) (8,105)
(11,650) (17,366) (1,623) (1,737) (32,376)
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2018 12 31
49,366 41,779 37,313 2,450 130,908
19,189 9,011 (28,200) – –
68,555 50,790 9,113 2,450 130,908
14,392 24,090 604 2,151 41,237
2,656 (53) 13,876 620 17,099
– – 290 – 290
– – – 227 227
– – – 7,481 7,481
11,487 3,130 2 1,194 15,813
97,090 77,957 23,885 14,123 213,055
(29,726) (13,607) 141 (262) (43,454)
(34) – – (26) (60)
– – – (6,722) (6,722)
(1,708) (3,581) (125) (263) (5,677)
(28,557) (35,979) (2,671) (3,868) (71,075)
37,065 24,790 21,230 2,982 86,067
(11,902)
74,165
(1,708) (3,581) (125) (263) (5,677)
(9,430) (19,775) (688) (1,452) (31,345)
- 109 -
2019 12 31
3,524,914 1,829,595 4,429,717 97,309 9,881,535
– – – 4,600 4,600
24,065
9,905,600
(4,340,472) (2,004,467) (2,719,447) (39,384) (9,103,770)
(918)
(9,104,688)
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)
- 110 -
11
2019 12 31
90,626 – 291 – – – – 669,268 760,185
68,990 149,937 95,479 265,628 57,812 10,642 – – 648,488
– 3,350 4,941 7,339 3,971 1,336 – – 20,937
7,455 5,468 16,748 50,326 58,460 47,292 – 220,749 406,498
– 645,176 316,350 1,217,899 1,168,046 1,802,390 33,792 – 5,183,653
– 11,231 36,586 112,932 386,254 113,708 – 8,945 669,656
– 21,690 36,753 267,765 1,040,314 562,427 740 – 1,929,689
65,540 5 15 7,807 20,326 3,802 696 188,303 286,494
232,611 836,857 507,163 1,929,696 2,735,183 2,541,597 35,228 1,087,265 9,905,600
(409,571) (312,213) (276,142) (846,554) (39,762) (19,840) – – (1,904,082)
(1,087) (4,103) (6,026) (7,453) (8,311) – – – (26,980)
– (3,494) (5,876) (10,477) (5,121) (1,456) – – (26,424)
(2,608,492) (616,996) (680,301) (1,018,114) (1,122,574) (26,431) – – (6,072,908)
(60,594) (50,219) (145,757) (398,664) (277,546) (141,514) – – (1,074,294)
(3,079,744) (987,025) (1,114,102) (2,281,262) (1,453,314) (189,241) – – (9,104,688)
(2,847,133) (150,168) (606,939) (351,566) 1,281,869 2,352,356 35,228 1,087,265 800,912
- 111 -
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 – 7,388 445,018
– 38,084 52,330 227,158 1,187,867 494,466 600 – 2,000,505
54,240 – 165 499 21,311 1,309 781 169,617 247,922
282,316 1,060,184 421,362 1,794,395 2,734,457 2,124,546 28,692 1,085,219 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)
(50,084) (53,268) (118,200) (238,444) (214,200) (144,836) – – (819,032)
(2,932,647) (970,293) (857,289) (2,874,178) (944,210) (247,246) – – (8,825,863)
(2,650,331) 89,891 (435,927) (1,079,783) 1,790,247 1,877,300 28,692 1,085,219 705,308
- 112 -
12
2020 1
300
2020 1 900
2020 1
1%
5
2020 1 20 13 28
2022 2023 2022
2020 3 5
2020 3 30 70
2023 2025
2020 1
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2019
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2020 4 H
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