4
提供最好服
2019
2015
2007 年 5 月
2005 年 6 月
1987 4 1
1908
H
4
5
6
8
12
14
16
17
17
20 2019
742.63
30 A H
45 0.315
233.93
49
57
60
61
62
67
70
90
95
98
112
118
120
122
126
132
138
255
261
2019 1 1 2019 12 31
4
Bank of Communications 202 2
Co., Ltd. 11
22
188
86-21-58766688
86-21-58798398
investor@bankcomm.com
200120
188 A
www.bankcomm.com 166
20 3
H
183
A 17 1712 1716
A
www.sse.com.cn 9131000010000595XD
H
www.hkexnews.hk
A 601328
H 03328
1 360021
BOCOM 4605
15USDPREF
H 5
6
1.48 7,155,362 139,451
2015
2015
2015
1.50 8,403,166 131,315
2016
2016
2016
1.50 9,038,254 124,873
2017
2017
2017
1.49 9,531,171 130,908
2018
2018
2018
1.47 9,905,600 144,083
2019
2019
2019
30.01 1.00 86,012
2015
2015
30.90 0.87 2015 86,110
2016
2016
2016
31.85 0.81 83,265
2017
2017
2017
31.50 0.80 86,067
2018
2018
2018
30.11 0.80 88,200
2019
2019
2019
158.19 13.43 66,528
2015
2015
2015
153.61 12.18 67,210
2016
2016
2016
154.73 11.44 70,223
2017
2017
2017
173.13 11.36 73,630
2018
2018
2018
171.77 11.20 77,281
2019
2019
2019
2019 1 1 16
2 2.1.2
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
1. 2018 2018 36
2.
3.
4.
5.
6.
H 7
8
2019
2019
22.94% 2.57%
30.11% 1.39
38.09%
15.54% 17.20% 0.75
0.76
772.81
4.96% 9.91
3.93%
0.02 1.47% 171.77%
2018 2.18
1.58% 7 52% 6.8
10.06% 2018 5.23
+
51.62%
2.15
H 9
0.02
0.13 60
90 9.48
(AUM) 3 8.40
A
2019 6 2020 1
IT IT 23
IT
FinTech
APP APP APP
MAU 4,800
AUM 26%
85%
10
2020
2020
IT IT
H 11
10
(FORTUNE) 500
(The Banker) 1000
11
290.00
8.14% 265.54
7.71%
116.78 40.27%
8.27% 107.13 2015
40.35% 7.77%
17 22
11,640.18
8.87% 0.53
11.75%
63.63 8.56
15.54% 0.75
8.23% 2019
(AUM) 3
APP
APP (MAU) 4,800
2018
531
2020 AUM+MAU
FinTech
0.13
0.02
2004
17 19.03%
22
68 1+1
1
1+1
10%
H
A
2019 1000 11
A
2019 500 150
2019 TOP100
2019
20
2019
2019
14
2019
2019
2019
2019
(CFCA)
2019
H 15
16
2019
2019
99.1 6.1%
3.1%
5.7% 6.9%
53.9% 59.4% 5
12.4% 12.0% 12.0%
40
57.8% 9,525.15
31.5 3.4% 1,828.46
29,150 CPI
2.9% PPI 0.3%
60.6%
30,733 8.9% 7,618.50
1,352
7 1,300
2,200.80
2019 42.22%
M2 8.7% 82.48%
12.3% 16.8
25.6
274.37
500 2019
H 17
e
40
AUM 34,463.15 20
3,887.20 12.71%
2018 6.11% 2017 6.44% H
MAU IPO
36.44%
150.40
19.01%
47,191 18.49%
AUM
531
4,713.84 895.69
50
18
APP
85%
20 1,500 40%
2.9
ETC
APP +
+
+ 1.81
20 50%
4,000 90% 1.6
98%
120 50%
97.67%
FinTech
3,460
59.15% 4.05% 1.33
50.45
22.94% 2.57%
0.38
H 19
2019 1,781 22.1%
69 644 214% 162%
294.3
364.87 11.9%
2.18
7
34.5% 1,639.52
558.19 51.62%
772.81 4.96% 3.34 3.22%
0.11 2.15
99,056.00 3.93%
1,154
254 28%
3
6 98,107 810.8
1.58% 7 960 33
1.7
2,328.57 9.29%
1,440.83 10.06%
10%
5.79% 2,196
2.18 52%
30.11% 6.8
1.39
87.99 7.00%
22.38
4.38%
49,258.63 3,894.39
8.58% 364.87
20
1.47%
0.02
0.13 171.77%
85%
2019 10
5+N 50 22.94%
2.57% 0.38
FinTech
IT IT
IT
IT
IT
29
AUM
(AUM) 34,463.15 1 2.7
12.71%
8.87% 96%
15.49% 0.53
0.43
15.54% 17.20% 80.06
0.75 0.76 270.12 97.67%
1.08
H 21
11
(FORTUNE) 500
150 18 3
16.93% The Banker
64.26% 11 2018 A
4.48% (AUM) 18
97.98% 6
97.33
2
18.66%
460
10 200
22
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%
2.
1,639.52
558.19 51.62%
1. 10.44 3.34
3.22% 2.15
95 2,272
+ + 87.22%
16.93% 64.26%
H 23
3.
+
+ 43.37
9.10%
516
4,000 3,147.66 2019
1,500 2019
21.04%
4. 6.
+ + 29
e
21
QDII/QFII
10.30% e
2.75
83.47 93,942.45 5.40%
5. 7.
20
40 100
60 44.72
330 1,005.89
80%
95559
LPR 45.07%
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%
24
(AUM)
1. (AUM)
+
(AUM)
150.40 19.01%
2018 (12.38%) 2017 (12.11%) 27%
(AUM) 34,463.15 23%
12.71% 2018 (6.11%) 70.4% AUM
2017 (6.44%) 31%
4.
2.
47,191
18.49% 2018 (11.09%)
2017 (6.21%)
11,354.28 12.69% 6,092.06 18.27% 2018
133.44 (9.58%) 2017(6.12%)
64.70
5.
ETC
3. Sony PlayStation 14
3.44 APP
ETC
6,000 11.42%
2,568 2019
PLUS
H 25
7,180 25 8.
1.20 651.68
29,483.27
3.97% 4,673.87
7.48%
2.38% 0.86
3,079
6. 162 27
ETC 189 242
72.46% 0.90
APP ETC 46.77%
3.26
15,238
985 1.73
22,409.16 1,738
7. 9.
2019 11 18
APP 2018 A
18
ETC 2019
8.8 20
6
20 1,500
2,218.24 36.44% 15
(CFCA)
173.48 69.53
5.43
30,058.43 6.52%
3.55%
26
2.
1,249
1,887.11
125
1. 5.28
18,398.96
36.68
PTA 25.42
11.26 6,472.85
30,058.43
6.52% 3.55%
1,999.42
274.11 3.
1,130 246
965 2,745.47
243 1,569.59
15.12 30.64%
8,959.20
1,383.01 18.25%
4.
100%
97.98% 1,592.94
97.33 14.70 1.11
829
2018
11
2018
H 27
1.
63.63 15.54%
0.75 8.23%
11,640.18 8.87%
0.53 11.75%
7.61 0.20%
21,760.79
0.32
1,138.79 CIPS
360.91 2.4
16%
2019
17 22
68 22,189.63 11.51%
127 1,058 1.31 17.11%
32 114 182.29 5.81%
234 31 99.43 112.59
62 26 81
28
2.
55.61 17.20%
0.76 7.20%
4,247.38 15.49%
0.43 4.29%
5 11
6
4
12.60%
13.23%
2,475.25
1,549.88 56
249 428 40 314.31
236.82
2019 6
(AUM)
7,751.49 1,102.05
2/70 8/86
11/109 10 20
40%
2,201
113 19%
H 29
1.
882.00 21.33 2.48%
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
30
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
1.
2.
3.
H 31
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
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
32
(1) (2)
2,233.70
3,674.53 185.89 54.14 2.48%
5.33%
A.
66.12% 24.12% 3.18%
1,391.53
A. 105.64 8.22%
62.30%
2,512.37
2,429.48 175.26 8
7.77%
3,441.77 B.
B. 576.50
886.47 91.38 13.68%
31.98 3.74% 39
1,150.34
C.
C. 265.67 39.88
17.66%
1,886.98
116.91 13.57
10.40%
816.63
D.
241.67
7.78 3.12%
21
H 33
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%
25.20 0.59 2.40%
20.24 1.43 6.60%
4.
519.54 490.81
65.85 15.50%
34
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%
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
H 35
(1)
53,042.75 4,500.47 9.27%
4,242.94 10.01%
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%
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
36
2019 1 1 125,540
49,081
(1,329)
(41,983)
2,688
55
2019 12 31 134,052
(2)
30,058.43 1,839.34
6.52%
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
H 37
25,856.78 2,161.57
9.12%
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
(3)
2019 12 31 2018 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
4,031,784
12 31 2018
3,944,098
12 31 2017
3,856,119
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
H 39
1,677.35 757.57
825.45 2,064.37
818.08 183.32
867.28 1,002.04
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
H 41
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.
2019
2015 1
7.43%
2019 2019 2019 2019
12 31 9 30 6 30 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
42
(1)
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)
H 43
(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 12 31 2018 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
60,310 66,968
(4)
. 46.00
9.47 22 23
.
.
.
42 43
.
44
2019
5G
2019
8
4 31
2019
5G 5G
5G +
H 45
2.
5G + +
-
-
7 24
95559
2019
3.
+
378.65
21.4
70
45
2019 11
1.
4.
+ +
46
5. 2.
ETC
6.
3.
ETF MOM
QDIE
QFLP
7.
144
32
3
1.
2019 11
H 47
4. 3
3.9
APP
POS NFC
80%
100%
8.
2019 11
20
1,500
5. +
+ + 15
12 (DAU) 2018
400 (MAU)
36.44%
30.27% 18.45%
6.
8.8
7.
APP
APP
6,077 ATM
50
110 API
H5 10
ISV 4,000
62 1
48
1.
2.
0-5
LPR
4.
LPR 5 LPR
1 LPR 2
G10
FT EUR/USD
2019
3.
1901
1902
1901
2
H 49
1+4+2
50
1
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
1
H 51
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%
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
52
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
H 53
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
54
2019
(VaR) (SVaR)
1 10
99%
H 55
2019 12 31 2018 12 31 2017 12 31
% ≥25 72.92 68.73 58.86
2019
30 110.02% 1.31
30
2019
2019
2,000
100% 2019
120.69%
92 4.59
2,000
100%
2019
111.33% 2.07
56
2019
2019 2005 8
2
65% 30% 5%
46.05
36.29
IT
5.89
H 57
343
223 111 2007 12 140
9
4
2,531.19
248.05
30.21
240 36
2007 10 95% 102
57.65 42.5%
85% 15%
(QDII) 2010 1
51
62.50% 37.50%
132.99
(AUM) 7,751.49
11.38
553.56
236 67.10
140 59.32% 148 4.63
85 3
98.73% 1,664
627 453
211 1,140 313
1,300
30
58
1998 6 3
2007 5 2 2019 6 80
2017 5 19
73.14% 81.77
80.89
8,911.54
2020 3 142
25 51.4%
99.3%
2000 11 4
7.80 5.65
1,068
2008 9
39 2 6,000
87% 61%
54%
2010 4
1.8
51%
2017 12 100
2011
5 1.5
378.50 51%
101.54 1.74
2012 9
44 1.5
56.8% 51%
97.7%
H 59
80.33
6.77
69.67 46.15
2020
2020
AUM+MAU
60
2019
1+1
1+1
742.26
670
160.17
378.96
19 221.35
21 23.1
(RES) TCE
25 D
1
810
32,211
H 61
2019 12 31
(%)
– –
74,262,726,645 100.00
39,250,864,015 52.85
– –
35,011,862,630 47.15
74,262,726,645 100.00
(%)
H
H 14,135,636,613 19.03%
A H 12,909,011,166 17.38%
H
1
A A (%) (%)
1
H H (%) (%)
41 1 2020 2 29
(%)
– 100,000,000 22.22 –
– 20,000,000 4.44 –
– 20,000,000 4.44 –
– 20,000,000 4.44 –
5
– 20,000,000 4.44 –
– 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.
H 67
(%)
DB Nominees (Hong Kong) Limited – 122,500,000 100.00 –
1.
2. DB Nominees (Hong Kong) Limited Euroclear Clearstream
122,500,000 100%
3.
4.
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%
68
22 37
9 32
H 69
15
56 2018 8 2021
60 2015 10
55 2013 8
54 2017 8
51 2017 8
57 2019 10
54 2019 8
45 2019 8
47 2016 8
66 2014 10
64 2014 9
65 2016 10
65 2017 11
65 2018 8
62 2019 12
1.
2.
70
2013 8
2020 1 1986 8 2013 5
2018 8 2020
1 2019 4
2020 1
2018 8 2019 12 2016 1995 10 1996 10
12 2018 6
2014 7 2016 11
2015 10 2018 6
2016 9 1986
2018 6 2015
2003 8 2014 5
2017 8
1988 7 2003 8 1988 8 2017 6
1988
2015 10
2010 12 1988 2008
2017 1 2004
8 2010 12 2002
11 2004 8
2002 4 2002 11
1998 11 2002 4
2003
H 71
2019 8
2017 8 2018 9
2014 8 2017 6
2013 12 2014 2001 8 2018 9
8
2000 6 2013 12
2011 11 1989 8 2001 8
2013 11
1990 8 2000 6
1990 1989
2007 2008
2019 10
2019 11 2019 8
2019 2
2013 8 2019 10 2005 12 2019 2
1986
1986 7 2013 7 2005 9 2005 12
2000 9 2005 9
1986 1997 7 2000 9
1994
2002
72
2016 8 2015 2014 9
11
2012 10 2015 11
2009 6 1986 1
2012 10 1984 9
2005 3 2009 6 1985 12
2001 7
2005 3
1994 7 1998 9
2001 1984
1989
2014 10
2016 10
1983 2015 7 1937
2011
4 2015 2
1997
2004
1978 1985
1991
2001
H 73
2019
2017 11 12
1985 6
2015 6 1993
2011 2015 6
2007 2012
1998
2015 1993
1984 12 1985 6
1984 12 1986 6
1982 9 1984 10
1979 9
1980 8
1982
2018 8
2012 11 2015 6
2007 8 2012 11
1986 7 2007 3
2001
2003
74
10
51 2020 3 2021
52 2017 6
66 2014 6 2019
65 2016 6 2021
49 2017 10
52 2019 6
59 2004 11
56 2010 8
55 2018 10
56 2019 6
H 75
1999 11 2008 7
2020 3 2019 4
2015 10 2019 4
DPS
2011 10 PTINDOSPECENERGY
2015 10 2002
2014 6
2011 1 2013 7
1990 8 2011 10 2007
2 2011 1
2004 10 2006 9
2003 2 2004
10 1998 1
1990 2003 2
2009 HEC 1988 5 1998 1
EMBA
1981 1988 5
2017 6 2016 1986
10 1977 1981
2009 10 2018 2 1977
2008 7 1996
2009 10
76
2019 6
2016 6
2006 3 2015 7
2000 7
2005 12 China Journal of
Accounting Studies
2000 6
1997 7 2000 6 2004 5
1988 2015 6
12 1997 6
1984 12 1988
11
1984
1997
2017 10
2000 4
2004 11 2016
2014 12 2018 1 7 2015 6
2002 9 2003 9 2005 3
2016 7 2004
(CCSEP) 2009 11 2003 8
8 2010 1 2004 10
2000 7 2003
2018 8 2019 7 8
1997 2 2000 7
2014 10 2015 12 1984
1998 2009
2018
H 77
2010 8
2019 4 2019 6 2020
2015 2
1 2019 4 2006 7
2020 2
2018 7
2019 2 2009 11 2015 1
2010 4
2014 9 2004 10 2009 11
2004 4 2004 2007 4 2007 10
10 2001 5 1997 5 2006 7
2004 4 2003
4 2004 3 1997
10 2001 5
2001 4 2002 3
1985 7
1986
1997 5
2009
2018 10 2018
EMBA
8 2011 9
2018 8 2003 5
2011 9
2006 5 2008 6
1994 12 2003 5
2002
4 2003 3 1993
4 1994 12
1988
1999
78
8
60 2010 12 2022 10
52 2019 9 2022 9
51 2019 1 2022 1
57 2018 7 2021 7
57 2018 4 2021 4
54 2018 9 2021 9
54 2018 9 2021 9
66 2013 3 2022 3
1.
2. 2019 12 13
3.
H 79
2019 1 2016 5 2019
1
2019 9 2014 5 2007 3
2019 7 2013 2016 5
12 2014 5 2005 7 2007 3
2011 1 2013 12 2004 2 2005 7
2005 1 2011 2001 3 2004 2
1 1999 10 2001 3
2007 2 2008 1 1998 5
1999 10
1999 4 2005 1988 7 1998 5
1
1998 4 1999 4 2014
1994
7 1998 4
1993 7 2018 7 2017 2 2018
1994 7 7 2016 12
1993 2018 6
2010 1 2016
12 2004 9 2010
1
1991 5 2004 9
1989 6 1991 5
1988 4
1989 6
1987 7
1988 4
1987
80
2018 4 2018 9
2015 10 2018 4 2018 8
1999 12 2015 10 2019 6
2014 7 2018 11
1999 2016 2 2016
3 1999 12 9 2000 11
1987 8 1999 3 2014 7
1984 7 1989 8 2000 11
1987 8
2006
1989
1998
2018 9
2018 2
2018 9 2013 3
1989 6 2013 3
2016 11 2018 2
2016 3 2016 11
2015
9 2016 3
CEO 2004 10 2015 9
CEO 2002 1984
7 2004 10
1995 9 2002 7 IT
1991 4 1995 9
1991
H 81
2019 12 13
2020 1 16
2019 10 2021
2019 8
2019 8
2019 12
2020 3
2019 6 2019 9
2019 6 2021
2019 6
2019 9 2022 9
2019 1 2022 1
2013 11 2019 4
2005 8 2019 6
2019 1 2019 8
2017 9 2019 8
2016 8 2019 8
2016 8 2019 6
2016 10 2019 6
2013 8 2019 6
2014 6 2019 1
2010 8 2019 6
2016 6 2019 6
2016 6 2019 6
2016 6 2019 6
2019 6 2019 9
2016 6 2019 6
2018 9 2019 3
82
57.90 20.02 77.93 – A 0 0 0
H 100,000 0 100,000
52.11 18.28 70.40 – A 80,000 0 80,000
H 20,000 0 20,000
67.20 17.83 85.03 – A 80,000 0 80,000
H 50,000 0 50,000
67.20 19.11 86.31 – A 20,000 0 20,000
H 0 0 0
67.20 19.11 86.31 – A 20,000 0 20,000
H 0 0 0
– – A 0 0 0
H 49,357 0 49,357
– – – A 0 0 0
H 0 0 0
– – – A 0 0 0
H 0 0 0
– – – A 0 0 0
H 0 0 0
29.22 – 29.22 – A 0 0 0
H 0 0 0
29.22 – 29.22 – A 0 0 0
H 0 0 0
28.17 – 28.17 – A 0 0 0
H 0 0 0
H 83
28.17 – 28.17 – A 0 0 0
H 0 0 0
– – – – A 0 0 0
H 0 0 0
0.58 – 0.58 – A 0 0 0
H 0 0 0
– – – A 0 0 0
H 0 0 0
– – – A 0 0 0
H 0 0 0
– – – – A 0 0 0
H 0 0 0
– – – – A 0 0 0
H 0 0 0
23.17 – 23.17 – A 0 0 0
H 0 0 0
13.72 – 13.72 – A 0 0 0
H 0 0 0
85.34 16.91 102.26 – A 40,000 0 40,000
H 20,000 0 20,000
84.05 16.91 100.96 – A 60,000 0 60,000
H 20,000 0 20,000
79.99 16.91 96.90 – A 0 0 0
H 0 0 0
40.80 8.62 49.42 – A 25,000 0 25,000
H 0 0 0
21.71 8.15 29.86 – A 0 0 0
H 0 0 0
52.11 19.57 71.68 – A 0 0 0
H 0 0 0
52.11 19.58 71.69 – A 50,000 0 50,000
H 0 0 0
100.00 16.01 116.01 – A 66,100 0 66,100
H 21,000 0 21,000
100.00 17.83 117.83 – A 50,000 0 50,000
H 30,000 0 30,000
84
100.00 17.83 117.83 – A 0 0 0
H 50,000 0 50,000
– – – A 0 0 0
H 30,000 0 30,000
14.48 4.49 18.96 – A 250,000 0 250,000
H 50,000 0 50,000
– – – A 0 0 0
H 0 0 0
30.40 10.49 40.89 – A 96,000 0 96,000
H 20,000 0 20,000
– – – A 0 0 0
H 0 0 0
– – – A 0 0 0
H 0 0 0
– – – – A 0 0 0
H 0 0 0
– – – – A 0 0 0
H 0 0 0
4.83 1.66 6.49 – A 130,000 0 130,000
H 50,000 0 50,000
– – – – A 0 0 0
H 0 0 0
– – – A 0 0 0
H 0 0 0
– – – A 0 0 0
H 0 0 0
– – – A 0 0 0
H 0 0 0
– – – A 0 0 0
H 0 0 0
41.66 8.29 49.96 – A 70,000 0 70,000
H 0 0 0
24.99 4.27 29.26 – A 71,300 (10,000) 61,300
H 0 0 0
H 85
1. 2019
2019
2.
3. 1,432.67
H 98
XV
XV
352
1/3
87,828 85,324 2,504
3,284 30,008
543 0.64% 15,790 18.51%
13,675 16.03%
86
2,537
29.41% 12.55%
2.83%
29.88%
13.10%
9.22%
6.37% 7.48%
71.52%
1.79%
3.05% 6.26% 6.53%
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
H 87
2018-2022 186
186
2018-2022
2019 2019
88
105 34 71
2,335 300 7,800 97.6%
FinTech
49
200 9 1
C/B
2016-2019 190
90
12
H 89
2019
45
132
35
10
(%)
2019 3.15 23,393 74,610 31.35
2018 3.00 22,279 71,012 31.37
2017 2.856 21,209 67,530 31.41
2019
10%
90
135
1
4,334.71
24
1
86
1
H 91
5
30%
2005
2008 2011 2014 2017
2017 4 28 2017 6 1 2020 5 31
2019 1.
97.03 2.
197 1.
43.91 35.90 0.75 8.89
2. -2.62
1. 13.02 61.87
2019 2.31 2019
0.30
357.84 2019 15.35
92
2. 1,610.86
7.98 9.79 2019
3.35
14A.87(1) 14A.90
2019 1.
2. 3.
2019 1.
2. 3. 4.
2019
44
14A
31
H 93
571
94
1. 7 94.81%
21 8
8 5
2. 2018
3.
2
4.
1.
MPA LPR
2.
H
3.
4.
5.
17
1.
2.
3.
4.
2019
2019
2019
H
< >
98
74,262,726,645 A H 52.85% 47.15%
177.32 141.36 129.09 23.88% 19.03% 17.38%
2019 5
2019 2019 1 4
2017
2017 <
>
2019 2019 5 20
2018 2019 A 2019 H 2019
6 21 2018 2018
2018 2018
2018 2019
2019
A
2019 A
A
2019 H A
2018
2018
H 99
2019 2019 1 4 www.bankcomm.com
5 www.sse.com.cn
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2019 2019 5 20 www.bankcomm.com
1 www.sse.com.cn
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2018 2019 6 21 2018 www.bankcomm.com
12 www.sse.com.cn
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2019 A 2019 6 21 A www.bankcomm.com
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1 www.hkexnews.hk
2019 H 2019 6 21 A www.bankcomm.com
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1 www.hkexnews.hk
3
6
15 2
7
6
1/3
100
2019 4 9
2019 4 9
2019 12 13
2020 1 16
2019 6 21
2018
2019 8 5
2019 8 9 2019
10 17 2019 12 25
2019 8 15
2019 8 15
2019 8 22
2019 8 22
H 101
2019
10
56 19
85
4/5 10/10 3/3 2/2
5/5 10/10 3/3
5/5 10/10 4/4 6/6
5/5 10/10 4/4 2/2
5/5 10/10 1/1 4/4 2/2
1/2
4/4 1/1 2/2
4/4 1/1 2/2
3/5 9/10 2/2 4/4
1/5 10/10 4/4 4/4
4/5 10/10 4/4 2/2
4/5 9/10 3/3 4/4
3/5 10/10 2/2 2/2 6/6
4/5 10/10 4/4 6/6
0/1 2/2 1/1
0/5 3/4 2/2
1/4 4/5 2/2 2/2
0/5 5/6 4/4
1/5 4/4 2/2 2/2
0/5 1/4 2/2 2/2
4/5 4/4 2/2 2/2
102
1.
6
3 2018 2019 2018
2018 2018
17
2.
7
4 2018 2019 2018 2019
2018 2018 2018
24
3.
7
4 2018 2019
2019 2018
18
H 103
4.
(1)
(2) (3)
(4)
(5)
(6)
(7)
A.5.1
2019 8 15
3.25 A.5.1
4
6
2018 2019
2019
18
5.
4 2
2018 2019 2018 2018
8
6 3.10(2)
104
1.
2.
2 3.
4. 2019
5.
1.
2.
3.
2019 12 31
130
H 105
9 1 4 4 1
4 2 2
4
5 4
1
5 1
1 2
6 3 2
%
6/7 85.7
7/7 100
7/7 100
6/7 85.7
3/3 100
7/7 100
7/7 100
7/7 100
3/3 100
4/4 100
3/4 75
4/4 100
4/4 100
1/2 50
4/4 100
73/77 94.81
106
2019
1.47% 0.02
(MPA) (LCR) 171.77%
1.36
H 107
2019 12 31
108
2019 2020
www.bankcomm.com www.sse.com.cn www.hkexnews.hk
2019 4 9
2019 4 9
160
H 109
2019 12 13
2019 12 13
2020 1 16
2020 1 16
2019 12 31
6
2019
6,402 6,179
223
507
e
110
2019 4 3
16 40
IR
132
A
2018 0.30
222.79 30.26%
8.63 17.55
5
H 111
GRI
4.87 2.96%
2016-2020 2019
2019
2019
2019
1.
2019 4
2019 9
2,401.3
2.
2,928,500
296,400
11.26%
1. 2,401.3
104.4%
13.42%
2. 663.58
102.09%
729.47%
3. 1,138
103.45%
6.55%
4. 424
106%
11.57%
5. 629.43
104.91%
16.79%
6. 1,691.72
105.73%
11.48%
292.85
H
2020 2016-2020
51.62% 3.34
2.15 4.58% 0.63
1.11
2019 2018 2017
15,182.00 13,279.09 12,018.36
15,644.01 14,167.74 13,389.94
6,077.82 5,811.47 6,536.18
17
+ +
2019 2018 2017
875.55 737.63 499.11
968.75 894.36 827.80
17,547.65 16,356.27 14,098.82
[2012]177
120 800
200 2018
2019 2018 2017
(%) 99.53 99.61 99.76
(%) 99.76 99.79 99.94
3,283.52 2,830.54 2,771.08
97.67%
67.83% 12.49%
2019 2018 2017
(%) 97.67 96.59 94.54
H
2018 [2018]261
29,897.3 1.32%
2019
20
87,828 54.49% 2.85% 4.55%
0.14% 3.67% 1%
2019 2018 2017
87,828 89,452 91,240
3,011 2,809 2,678
3,992 4,042 3,976
2019
9
FinTech
2019
2,789 966.8
2019
BLUE
Hello Blue
2019
2007
13 1.06 3.73
126 1,699 262 5,700
130,000 131,869 57,922
2019 222
2019 4,334.71
3,298.53
36.50
202.04
797.64
H
50.11
[2017]49
2019 12 10% A 1,970,269,383
3
44
2019 1 2019 800
2020 12 31
400 2019
1 4 6 24 7 4 8 16 (www.sse.com.cn)
(www.hkexnews.hk)
118
2019 3 55
55 2019 3 29 2020 1 3
(www.sse.com.cn) (www.hkexnews.hk)
2019 4
1,485,254,533 A 2%
2019 4 2 7 24 10 24
(www.sse.com.cn) (www.hkexnews.hk)
2019 5 2019 400
2019 5 20 7 19 9 20
(www.sse.com.cn) (www.hkexnews.hk)
2019 6
2018 5 31 2019 1 7 5 29 6 13
(www.sse.com.cn) (www.hkexnews.hk)
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 12 [2017]49
10%
2019 9 30 2020 1 10 (www.sse.com.cn)
(www.hkexnews.hk)
2020 3 900
2020 1 16 1 21 2 10 3 10
(www.sse.com.cn) (www.hkexnews.hk)
2020 3
300 2020 1 16
1 21 2 10 3 10 (www.sse.com.cn) (www.
hkexnews.hk)
H 119
[ ]
[ ]
[ ]
[ ]
[ ]
[ ]
37
207
3,079
H
1 22
2 7
3 26
4 5
5 18
6 258-1
7 6
8 3515
9 428
10 200
11 218
12 28
13 8
14 1-39
15 455
16
17 116
18 9
19 199
20 98
21 6
22 11
23 847
24 37
25 11
26 3018
27 228
28 45
29 3
30 211
31
32 397
33 88
34 129
35 296
36 16
37 29
www.bankcomm.com
122
1 20
2 ONE EXCHANGE PLAZA 55 BROADWAY,31ST & 32ND FLOOR, NEW
YORK NY 10006-3008, U.S.A.
575 MARKET STREET, 38th FLOOR, SAN FRANCISCO, CA 94105,
U.S.A.
3 1-3-5 GROUP
4 50 Raffles Place #18-01 Singapore Land Tower
5 6th Floor Samsung Fire & Marine Bldg. #87, Euljiro 1-Ga, Jung-Gu,
Seoul 100-782, Korea
6 Neue Mainzer Strasse 75, 60311 Frankfurt am Main, Germany
7 251A-301 16
8 17th floor, Vincom Center, 72 Le Thanh Ton, Dist.1, HCMC, VN
9 Level 27, 363 George Street Sydney NSW 2000 Australia
Level 35, 71 Eagle Street, Brisbane, Australia
Level 34, 525 Collins Street, Melbourne, Australia
10 5 7 101 29 A
11 4th Floor, 1 Bartholomew Lane, London EC2N 2AX UK
12 7 Ruede la Chapelle, Luxembourg L-325, Luxembourg
13 90, Avenue des Champs-Elysees, 75008, Paris, France
14 3rd floor, Piazza Barberini 52, Rome. 00187, Italy
15 Praca Pio X, 98. 7 andar 20091 040 Rio de Janeiro RJ, Brazil
16 7th floor, RUSTONKA R2, Rohanske nabrezi 693/10, Prague 8, 186
00, Czech Republic
17 Suite 2460, 22 Adelaide Street West, Toronto, ON M5H 4E3, Canada
1 8
2 333 847
3 333
4 333
5 68
6 8
7 333
8 333
9 168-170
10 1
11 127
12 156 1 101
H 123
124
25
126 26
132 27
134 28
135
136 29
30
138 31
1 32
2 33
3 34
4 35
5 36
6 37
7
8 38
9 39
10 40
11 41
12 42
13 43
14 44
15 45
16 46
17 47
18
255
19 1
20 2
21 3
22 4
23 5
24 6
H 125
132 255
126
2.4 2.3 0( a )
3.1.1( a ) 3.1.1( b ) 3.1.1( c ) 3.1.2
3.1.3.1 20 21
2019 12 31
5,3 1 8,9 2 3 (1)
135,270
1,932,952
3,26 3
1,472,170 (2)
6,332
9 (3)
(4)
(5)
H 127
(1)
(2)
(3)
(4)
(5)
128
2.2 2.30( d ) 41
42
2019 12 31
309,748 2019 12 31
1.
2,254,828
2.
3.
4.
H 129
130
2020 3 27
H 131
12 31
2019 2018
367,453 348,864
(223,370) (217,956)
4 144,083 130,908
5 47,669 44,673
6 (4,044) (3,436)
43,625 41,237
7 15,936 17,099
313 290
(281) (132)
414 227
11,687 7,481
8 16,799 15,813
9 (51,954) (43,454)
10 (270) (60)
(11,432) (6,722)
11 (81,001) (76,752)
88,200 86,067
14 (10,138) (11,902)
78,062 74,165
(335) 102
(378) –
3,715 2,086
(395) (171)
(156) 110
147 (93)
18 18
1,141 1,998
3,757 4,050
132
12 31
2019 2018
(560) 61
(20) (25)
25 (14)
39 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
15 1.00 0.96
H 133
2019 2018
12 31 12 31
16 760,185 840,171
17 648,488 848,067
19 20,937 30,730
20 5,183,653 4,742,372
18 406,498 376,386
21 1,929,689 2,000,505
21 669,656 445,018
23 4,600 3,653
24 171,179 153,286
25 24,065 21,975
26 86,650 69,008
9,905,600 9,531,171
27 1,904,082 2,162,293
28 26,980 23,109
19 26,424 28,105
29 6,072,908 5,793,324
30 498,991 366,753
7,086 2,279
25 918 598
31 403,918 317,688
32 163,381 131,714
9,104,688 8,825,863
33 74,263 74,263
34 99,870 59,876
59,876 59,876
39,994 –
33 113,663 113,663
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
2020 3 27
134
33 34 34 33 35 35 35 35 35,36
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
H 135
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
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
136
12 31
2019 2018
(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)
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
40 167,735 243,492
283,899 281,793
(233,397) (193,279)
H 137
2019 12 31
1
[1986]81
[1987]40 1987
4 1 244 22
2
2.1
622
2.30
2.1.1
16
9
28
3 11 2015 –2017
12 23
19
23
16
16 2016 1 2019 1 1
2019 1 1
I F R S 16 2.1.2 I F R S 16 2.16
2.31
138
2019 12 31
2
2.1
2.1.1
9
2017 10 12 9
28
28
9
2015-2017
2015-2017
3 11 12
23
19
2018 2 7 19
23
23 12
16
2.1.2
16
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
H 139
2019 12 31
2
2.1
2.1.2
16
2019 1 1
2018 12 31 12,345
7,674
(630)
2019 1 1 7,044
2.1.3
10 2016 1 1
28
1 8 2020 1 1
3 2020 1 1
2020 1 1
17 2021 1 1
2023 1 1
9 2020 1 1
39 7
10 28
10 28
140
2019 12 31
2
2.1
2.1.3
1 8
1 8
1
3
2020 1 1
H 141
2019 12 31
2
2.1
2.1.3
17
2017 5 17 4
9
17
17 2021 1 1 2020 3 17
17 2023 1 1
2020 17
17
9 39 7
9 39 7
(IBOR)
IBOR
17
142
2019 12 31
2
2.2
2.2.1
H 143
2019 12 31
2
2.2
2.2.2
2.2.3
41 42
2.2.4
36
36
144
2019 12 31
2
2.3
2.4
(a) 1
(b)
H 145
2019 12 31
2
2.4
2.4.1
(i)
(ii)
146
2019 12 31
2
2.4
2.4.1
21
H 147
2019 12 31
2
2.4
2.4.1
(i)
(ii)
(i)
(ii)
(iii)
148
2019 12 31
2
2.4
2.4.1
(1)
(2)
(3)
(4)
2.4.2
2.30(e)
2.27)
H 149
2019 12 31
2
2.4
2.4.2
10%
(i)
(ii)
2.4.3
IFRS 9 IFRS 9
(i)
(ii)
(iii)
150
2019 12 31
2
2.4
2.4.3
(a)
(b)
(a)
(b)
2.4.4
2.5
2.4
2.6
2.7
H 151
2019 12 31
2
2.8
(a)
(b)
2.9
2.10
25 –50 3% 1.94% - 3.88%
3 –11 3% 8.82% - 32.33%
4 –8 3% 12.13% - 24.25%
5
25
152
2019 12 31
2
2.11
2.12
2.13
2.14
2.15
H 153
2019 12 31
2
2.16
(a)
12
(b)
2.17
2.18
154
2019 12 31
2
2.19
(a)
(b)
2.20
(a)
(b)
2.21
(a)
(b)
H 155
2019 12 31
2
2.21
(c)
2.22
2.23
(a)
2008 12 31
2009 1 1
(b)
2.24
(1)
(2)
(3)
156
2019 12 31
2
2.24
2.25
2.26
(a)
4
(b)
(c)
2.27
3.1.2
IFRS 15
H 157
2019 12 31
2
2.27
3.1.2
2.28
2.29
(1)
(2) (3)
2.30
(a)
3.1
3.1
158
2019 12 31
2
2.30
(b)
3.4
(c)
(d)
(e)
2.31
2.31.1
(a)
H 159
2019 12 31
2
2.31
2.31.1
(b)
3
3.1
3.1.1
(a)
(1) (2) (3) (4)
160
2019 12 31
3
3.1
3.1.1
(a)
(b)
(c)
(d)
H 161
2019 12 31
3
3.1
3.1.1
(d)
3.1.2
(1)
(2)
(3)
12 (ECL)
90
(1) 90
(2)
(3)
(4)
(5)
162
2019 12 31
3
3.1
3.1.2
(1) 30
(2) (a)
(b)
(3)
(4)
12
(PD) (LGD)
(EAD)
(PD)
(EAD)
(LGD)
(PD) (EAD)
(LGD)
(GDP)
H 163
2019 12 31
3
3.1
3.1.2
IMF
2019 12 31
2019 12 31 2018 12 31
468 277
29 88
21 1
10% 4.97 2018 12
31 3.04
0.21 2018 12 31 0.02
3.1.3
3.1.3.1
164
2019 12 31
3
3.1
3.1.3
3.1.3.1
2018
12 31
2019 12 31
729,859 – – – 729,859 15,845 745,704 – 745,704 825,506
1,501,665 1,103,396 106,046 56,508 2,767,615 546,481 3,314,096 (105,170) 3,208,926 2,931,520
1 1,500,753 1,074,724 2,796 – 2,578,273 536,706 3,114,979 (23,125) 3,091,854 2,825,633
2 912 28,672 103,250 – 132,834 6,867 139,701 (39,960) 99,741 85,317
3 – – – 56,508 56,508 2,908 59,416 (42,085) 17,331 20,570
113,994 113,800 7,567 53 235,414 – 235,414 – 235,414 184,184
1 113,994 112,323 2,640 – 228,957 – 228,957 – 228,957 177,711
2 – 1,477 4,927 – 6,404 – 6,404 – 6,404 6,448
3 – – – 53 53 – 53 – 53 25
1,030,543 645,992 19,533 18,357 1,714,425 40,340 1,754,765 (27,549) 1,727,216 1,614,169
1 1,030,197 644,783 12,138 – 1,687,118 39,988 1,727,106 (8,394) 1,718,712 1,604,705
2 346 1,209 7,395 – 8,950 135 9,085 (3,193) 5,892 5,570
3 – – – 18,357 18,357 217 18,574 (15,962) 2,612 3,894
395,742 1,005 – – 396,747 252,800 649,547 (1,059) 648,488 848,067
1,853,796 29,868 793 1,064 1,885,521 47,431 1,932,952 (3,263) 1,929,689 2,000,505
1 1,853,796 29,868 – – 1,883,664 46,408 1,930,072 (2,455) 1,927,617 1,999,905
2 – – 793 – 793 704 1,497 (178) 1,319 –
3 – – – 1,064 1,064 319 1,383 (630) 753 600
263,029 2,054 – – 265,083 395,628 660,711 – 660,711 437,630
1 263,029 2,054 – – 265,083 395,628 660,711 – 660,711 437,630
2 – – – – – – – – – –
3 – – – – – – – – – –
17,360 9,415 294 1,703 28,772 15,148 43,920 (3,437) 40,483 25,838
1 17,359 9,409 – – 26,768 15,148 41,916 (2,139) 39,777 25,251
2 1 6 294 – 301 – 301 (86) 215 131
3 – – – 1,703 1,703 – 1,703 (1,212) 491 456
5,905,988 1,905,530 134,233 77,685 8,023,436 1,313,673 9,337,109 (140,478) 9,196,631 8,867,419
1 970,178 420,254 977 – 1,391,409 67,906 1,459,315 (5,358) 1,453,957 1,446,824
2 – 2,465 9,792 – 12,257 598 12,855 (974) 11,881 4,313
970,178 422,719 10,769 – 1,403,666 68,504 1,472,170 (6,332) 1,465,838 1,451,137
6,876,166 2,328,249 145,002 77,685 9,427,102 1,382,177 10,809,279 (146,810) 10,662,469 10,318,556
H 165
2019 12 31
3
3.1
3.1.3
3.1.3.2
2019 12 31 2018 12 31
– 494
20,937 30,730
134,950 132,828
170,435 187,601
39,532 37,232
11,864 8,393
377,718 397,278
3.1.3.3
(a)
166
2019 12 31
3
3.1
3.1.3
3.1.3.3
(a)
90%
90%
90%
60%
65%
70%
70%
50%
2019 12 31
59,469 (42,085) 17,384 18,839
18,574 (15,962) 2,612 10,559
3,274 (1,202) 2,072 6,079
2018 12 31
57,172 (36,577) 20,595 17,484
15,340 (11,446) 3,894 10,865
1,552 (952) 600 1,041
H 167
2019 12 31
3
3.1
3.1.3
3.1.3.3
(b)
3.1.4
2019 12 31 2018 12 31
36,175 26,895
3.1.5
2019 12 31 2018 12 31
873 913
20 20
14 19
907 952
(148) (128)
759 824
3.1.6
168
2019 12 31
3
3.1
3.1.6
2019 12 31
732,414 1,027 11,972 745,413
546,171 30,082 72,235 648,488
15,636 4,295 1,006 20,937
321,366 10,064 25,351 356,781
4,792,758 218,575 172,320 5,183,653
347,311 112,537 200,863 660,711
1,915,749 4,181 9,759 1,929,689
37,301 15,414 2,513 55,228
8,708,706 396,175 496,019 9,600,900
652,860 13,761 13,646 680,267
750,807 30,572 10,524 791,903
1,403,667 44,333 24,170 1,472,170
2018 12 31
790,382 2,548 32,576 825,506
689,611 69,231 89,225 848,067
22,541 5,646 2,543 30,730
333,693 7,726 24,635 366,054
4,385,888 190,464 166,020 4,742,372
110,740 80,452 246,438 437,630
1,962,108 4,154 34,243 2,000,505
24,945 10,491 4,481 39,917
8,319,908 370,712 600,161 9,290,781
605,869 11,595 20,320 637,784
766,769 36,213 15,452 818,434
1,372,638 47,808 35,772 1,456,218
H 169
2019 12 31
3
3.1
3.1.6
(a)
2019 12 31 2018 12 31
% %
1 689,601 13.00 619,891 12.77
2 212,871 4.01 205,989 4.24
3 1,830,275 34.51 1,710,884 35.24
4 1,106,903 20.87 941,511 19.40
5 532,796 10.04 480,670 9.90
6 391,517 7.38 355,681 7.33
540,312 10.19 539,602 11.12
5,304,275 100.00 4,854,228 100.00
(1)
(2)
(3)
(4)
(5)
(6)
170
2019 12 31
3
3.1
3.1.6
(b)
2019 12 31 2018 12 31
% %
117,555 2.22 119,091 2.45
106,108 2.00 104,806 2.16
95,736 1.80 95,858 1.97
35,156 0.66 33,241 0.68
93,393 1.76 93,828 1.93
27,049 0.51 29,146 0.60
243,701 4.60 224,533 4.64
215,642 4.07 186,117 3.83
135,998 2.56 114,577 2.36
637,943 12.03 573,151 11.82
28,346 0.53 28,682 0.59
221,381 4.17 246,706 5.08
32,259 0.61 34,486 0.71
107,865 2.03 98,342 2.03
264,495 4.99 216,536 4.46
508,863 9.59 413,716 8.52
284,797 5.37 263,235 5.42
96,875 1.83 89,436 1.84
93,314 1.76 96,428 1.99
203,034 3.83 156,686 3.23
3,549,510 66.92 3,218,601 66.31
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
1,754,765 33.08 1,635,627 33.69
5,304,275 100.00 4,854,228 100.00
2017 (GB/T 4754-2017)
3.2
3.2.1
H 171
2019 12 31
3
3.2
3.2.1
(VaR)
3.2.2 VaR
VaR
99% 1
2019 12 31
464 586 788 462
167 171 209 112
500 632 846 492
2018 12 31
586 556 690 467
176 159 218 68
625 538 701 442
3.2.3
100
172
2019 12 31
3
3.2
3.2.3
2019 12 31 2018 12 31
100 15,794 14,029
100 (15,794) (14,029)
100
2019 12 31 2018 12 31
100 (11,748) (5,572)
100 11,570 5,740
5% 5%
2019 12 31 2018 12 31
5% (1,758) (1,755)
5% 1,758 1,755
5% 5%
H 173
2019 12 31
3
3.2
3.2.3
2019 12 31 2018 12 31
5% (954) (891)
5% 954 891
3.2.4
2013 7 20
2015 10 24
2019 8
20 (LPR)
2019 12 28 2020 3 8
LPR LPR
LPR
174
2019 12 31
3
3.2
3.2.4
2019 12 31
729,335 – – – – 30,850 760,185
217,899 94,206 262,663 57,535 10,639 5,546 648,488
– – – – – 20,937 20,937
24,970 27,425 49,446 39,634 35,329 229,694 406,498
2,422,040 475,631 1,695,459 190,829 91,463 308,231 5,183,653
61,795 152,393 87,723 243,110 109,231 15,404 669,656
21,782 39,197 249,195 1,027,815 562,411 29,289 1,929,689
493 – – – – 286,001 286,494
3,478,314 788,852 2,344,486 1,558,923 809,073 925,952 9,905,600
(720,024) (273,836) (837,746) (39,236) (19,803) (13,437) (1,904,082)
(4,103) (6,006) (6,779) (8,190) – (1,902) (26,980)
– – – – – (26,424) (26,424)
(3,188,008) (668,974) (998,242) (1,102,269) (26,026) (89,389) (6,072,908)
(47,541) (123,654) (391,494) (241,821) (136,354) (133,430) (1,074,294)
(3,959,676) (1,072,470) (2,234,261) (1,391,516) (182,183) (264,582) (9,104,688)
(481,362) (283,618) 110,225 167,407 626,890 661,370 800,912
H 175
2019 12 31
3
3.2
3.2.4
2018 12 31
815,408 – – – – 24,763 840,171
421,426 65,741 203,758 143,923 5,463 7,756 848,067
– – – – – 30,730 30,730
27,857 18,051 48,317 43,896 33,166 205,099 376,386
2,211,528 521,424 1,544,308 101,108 64,324 299,680 4,742,372
50,183 123,857 80,836 125,220 53,657 11,265 445,018
41,240 59,505 210,740 1,165,477 494,443 29,100 2,000,505
425 – – – – 247,497 247,922
3,568,067 788,578 2,087,959 1,579,624 651,053 855,890 9,531,171
(776,575) (325,116) (955,468) (46,009) (26,521) (32,604) (2,162,293)
(2,968) (5,760) (5,948) (7,401) – (1,032) (23,109)
– – – – – (28,105) (28,105)
(2,970,102) (391,142) (1,609,799) (661,237) (75,540) (85,504) (5,793,324)
(44,739) (108,504) (233,212) (185,771) (141,087) (105,719) (819,032)
(3,794,384) (830,522) (2,804,427) (900,418) (243,148) (252,964) (8,825,863)
(226,317) (41,944) (716,468) 679,206 407,905 602,926 705,308
176
2019 12 31
3
3.2
3.2.5
2019 12 31 1 6.9762 2018 12 31
6.8632 1 0.8958 2018 12 31 0.8762
2019 12 31
730,031 17,082 1,874 11,198 760,185
296,047 308,665 22,958 20,818 648,488
17,991 1,503 1,206 237 20,937
336,039 43,167 2,947 24,345 406,498
4,664,589 282,461 162,892 73,711 5,183,653
277,710 282,552 55,646 53,748 669,656
1,910,731 16,213 – 2,745 1,929,689
142,776 132,093 10,646 979 286,494
8,375,914 1,083,736 258,169 187,781 9,905,600
(1,489,552) (354,673) (7,031) (52,826) (1,904,082)
(2,273) (1,882) (10,963) (11,862) (26,980)
(21,149) (3,058) (1,815) (402) (26,424)
(5,403,579) (391,803) (241,714) (35,812) (6,072,908)
(844,270) (187,717) (22,048) (20,259) (1,074,294)
(7,760,823) (939,133) (283,571) (121,161) (9,104,688)
615,091 144,603 (25,402) 66,620 800,912
1,327,987 110,286 18,482 15,415 1,472,170
H 177
2019 12 31
3
3.2
3.2.5
2018 12 31
784,959 30,993 3,390 20,829 840,171
488,242 334,579 13,180 12,066 848,067
25,102 1,738 3,344 546 30,730
328,378 29,449 759 17,800 376,386
4,245,922 297,273 138,325 60,852 4,742,372
157,284 199,484 45,069 43,181 445,018
1,981,956 15,707 – 2,842 2,000,505
121,427 117,928 7,410 1,157 247,922
8,133,270 1,027,151 211,477 159,273 9,531,171
(1,776,123) (332,360) (2,364) (51,446) (2,162,293)
(4,155) (1,137) (7,234) (10,583) (23,109)
(24,021) (900) (2,809) (375) (28,105)
(5,122,012) (437,650) (207,753) (25,909) (5,793,324)
(567,133) (209,406) (18,064) (24,429) (819,032)
(7,493,444) (981,453) (238,224) (112,742) (8,825,863)
639,826 45,698 (26,747) 46,531 705,308
1,281,258 134,995 27,704 12,261 1,456,218
3.2.6
3.3
3.3.1
178
2019 12 31
3
3.3
3.3.2
3.3.3
2019 12 31
– – (409,571) (312,459) (279,062) (861,415) (41,653) (24,479) (1,928,639)
– – (1,087) (4,129) (6,110) (7,644) (8,370) – (27,340)
– – (2,608,940) (620,749) (687,767) (1,032,419) (1,184,740) (26,470) (6,161,085)
– – – (47,583) (112,660) (326,884) (19,723) (104) (506,954)
– – – (356) (11,595) (83,202) (246,898) (124,044) (466,095)
– – (62,915) (157) (980) (994) (9,289) (31,022) (105,357)
– – (3,082,513) (985,433) (1,098,174) (2,312,558) (1,510,673) (206,119) (9,195,470)
– 669,268 90,626 – 291 – – – 760,185
– – 68,990 150,526 96,100 271,267 60,169 13,316 660,368
– 221,829 7,455 5,633 17,275 53,313 68,842 53,129 427,476
41,983 – – 662,690 350,205 1,349,166 1,675,654 3,135,246 7,214,944
– 8,945 – 11,356 37,795 124,191 422,104 127,664 732,055
740 – – 22,301 39,748 303,842 1,206,797 628,632 2,202,060
4,524 – 45,990 – – – – – 50,514
47,247 900,042 213,061 852,506 541,414 2,101,779 3,433,566 3,957,987 12,047,602
47,247 900,042 (2,869,452) (132,927) (556,760) (210,779) 1,922,893 3,751,868 2,852,132
H 179
2019 12 31
3
3.3
3.3.3
2018 12 31
– – (438,924) (356,970) (333,168) (985,845) (50,277) (32,319) (2,197,503)
– – (865) (2,980) (5,857) (6,265) (7,726) – (23,693)
– – (2,443,124) (555,345) (399,059) (1,659,473) (704,621) (80,025) (5,841,647)
– – – (41,447) (106,436) (209,534) (15,446) – (372,863)
– – – (3,665) (3,474) (39,527) (199,677) (129,224) (375,567)
– – (52,322) (247) (237) (903) (6,096) (26,029) (85,834)
– – (2,935,235) (960,654) (848,231) (2,901,547) (983,843) (267,597) (8,897,107)
– 713,376 126,424 – 371 – – – 840,171
– – 93,517 335,541 68,165 208,480 145,585 5,471 856,759
458 194,838 8,232 7,416 10,235 51,034 72,536 54,336 399,085
36,953 – – 680,810 287,572 1,307,557 1,520,092 2,574,873 6,407,857
– 7,388 – 12,314 28,455 114,936 252,017 63,611 478,721
600 – – 39,005 55,896 266,384 1,375,516 557,879 2,295,280
781 – 34,679 – – – – – 35,460
38,792 915,602 262,852 1,075,086 450,694 1,948,391 3,365,746 3,256,170 11,313,333
38,792 915,602 (2,672,383) 114,432 (397,537) (953,156) 2,381,903 2,988,573 2,416,226
3.3.4
(a)
180
2019 12 31
3
3.3
3.3.4
(a)
2019 12 31
– – – – – –
163 315 1,148 2,547 208 4,381
163 315 1,148 2,547 208 4,381
(203) (728) (1,545) – – (2,476)
(178) (396) (1,387) (3,720) (526) (6,207)
(381) (1,124) (2,932) (3,720) (526) (8,683)
2018 12 31
6 – – – – 6
99 257 1,016 2,316 180 3,868
105 257 1,016 2,316 180 3,874
(145) (220) (389) – – (754)
(64) (200) (760) (1,836) (104) (2,964)
(209) (420) (1,149) (1,836) (104) (3,718)
H 181
2019 12 31
3
3.3
3.3.4
(b)
2019 12 31
(652,146) (611,954) (1,031,667) (96,867) (1,451) (2,394,085)
652,036 610,048 1,028,315 96,800 3,443 2,390,642
(110) (1,906) (3,352) (67) 1,992 (3,443)
2018 12 31
(745,533) (542,190) (1,458,561) (41,111) (1,241) (2,788,636)
746,029 542,837 1,458,647 41,052 2,870 2,791,435
496 647 86 (59) 1,629 2,799
182
2019 12 31
3
3.3
3.3.5
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
H 183
2019 12 31
3
3.3
3.3.5
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
3.3.6
1 1 5 5
2019 12 31
761,484 22,389 8,030 791,903
570,426 104,593 5,248 680,267
1,331,910 126,982 13,278 1,472,170
2018 12 31
787,886 21,417 9,131 818,434
527,162 106,736 3,886 637,784
1,315,048 128,153 13,017 1,456,218
184
2019 12 31
3
3.4
(a)
(1)
(2)
(3)
H 185
2019 12 31
3
3.4
(b)
2019 12 31 2018 12 31
1,929,689 1,954,341 2,000,505 2,013,818
(383,481) (388,177) (301,138) (304,328)
2019 12 31
7,655 1,806,199 140,487 1,954,341
– (388,177) – (388,177)
2018 12 31
14,022 1,793,650 206,146 2,013,818
– (304,328) – (304,328)
186
2019 12 31
3
3.4
(c)
2019 12 31
4,220 3,382 – 7,602
– 2,000 – 2,000
8,757 79,922 104 88,783
4,625 28,178 3,762 36,565
56 158,698 11,681 170,435
2,576 – 47,141 49,717
– 39,532 – 39,532
– 11,864 – 11,864
– 15,784 – 15,784
– 4,145 1,008 5,153
20,234 343,505 63,696 427,435
57,694 201,265 – 258,959
136 1,972 – 2,108
134,110 195,593 – 329,703
39,804 29,299 838 69,941
1,895 421 6,629 8,945
– 235,361 53 235,414
233,639 663,911 7,520 905,070
253,873 1,007,416 71,216 1,332,505
– (13,392) – (13,392)
– (12,950) – (12,950)
– (638) – (638)
– (20,423) – (20,423)
– (6,001) – (6,001)
– (20,437) – (20,437)
– (73,841) – (73,841)
H 187
2019 12 31
3
3.4
(c)
2018 12 31
1,925 3,636 – 5,561
90 2,498 – 2,588
4,031 86,912 255 91,198
696 29,368 3,417 33,481
47 180,884 6,670 187,601
1,099 – 9,233 10,332
– 37,232 – 37,232
– 8,393 – 8,393
– 26,441 – 26,441
– 3,308 981 4,289
– – 494 494
7,888 378,672 21,050 407,610
28,115 38,506 – 66,621
124 3,575 – 3,699
152,355 159,984 – 312,339
29,900 24,690 381 54,971
2,096 – 5,292 7,388
– 184,159 25 184,184
212,590 410,914 5,698 629,202
220,478 789,586 26,748 1,036,812
– (11,660) – (11,660)
– (11,449) – (11,449)
– (25,640) – (25,640)
– (2,465) – (2,465)
– (16,556) – (16,556)
– (67,770) – (67,770)
188
2019 12 31
3
3.4
(c)
2019 1 1 21,050 5,698
1,120 64
– (429)
53,632 3,235
(9,891) (941)
(2,215) (107)
2019 12 31 63,696 7,520
2019 12 31
974 68
104 (435)
2018 1 1 14,107 1,577
217 32
– (314)
14,079 4,836
(7,353) (433)
– –
2018 12 31 21,050 5,698
2018 12 31
327 33
(110) (315)
3.5
2019 12 31
H 189
2019 12 31
3
3.6
5% 6% 8%
2.5%
1%
190
2019 12 31
3
3.6
2014 4
2019 12 31 2018 12 31
(%) 11.22 11.16
(%) 12.85 12.21
(%) 14.83 14.37
695,084 640,373
(5,595) (5,566)
689,489 634,807
100,057 60,025
789,546 694,832
121,710 122,717
911,256 817,549
6,144,459 5,690,542
4
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
H 191
2019 12 31
5
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
6
12 31
2019 2018
2,884 2,326
821 771
339 339
4,044 3,436
12 31
2019 2018
7 5
7
12 31
2019 2018
13,415 12,606
2,629 3,636
(108) 857
15,936 17,099
2019 12 31
0.56 2018 12 31 0.26
192
2019 12 31
8
12 31
2019 2018
12,821 10,523
1,370 2,351
31 117
287 15
2,290 2,807
16,799 15,813
9
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
10
12 31
2019 2018
233 33
37 27
270 60
11
12 31
2019 2018
12 32,927 29,995
25,528 28,368
8,105 5,677
8,934 6,414
2,697 2,501
50 549
2,760 3,248
81,001 76,752
H 193
2019 12 31
12
12 31
2019 2018
21,933 21,075
(a) 4,208 3,380
6,786 5,540
32,927 29,995
(a)
10% 27%
2009 1 1
12 31
2019 2018
2,331 2,532
1,855 820
4,186 3,352
2019 12 31 2018 12 31
65 64
966 14
1,031 78
2008 12 31
2019 12 31 2018 12 31
399 408
12 31
2019 2018
22 28
20 25
42 53
194
2019 12 31
12
(a)
12 31
2019 2018
408 395
(51) (40)
20 25
2 3
20 25
399 408
2019 12 31 10.21 2018 12 31 10.95
0.40 2018 0.41
2019 12 31 3.22% 2018 12 31
3.47% 2.68% 2018 12 31 2.12%
2019 12 31 60
19.70 2018 12 31 19.70 55 28.70 2018
12 31 28.70
(1) 100 0.23 0.26
(2) 1% 0.26 0.23
(3) 0.32
0.32
H 195
2019 12 31
13
(a)
2019 12 31
– 579 200 779
– 521 183 704
– 672 178 850
– 672 191 863
– 672 191 863
– – – –
– – – –
– – – –
– – – –
292 – – 292
292 – – 292
282 – – 282
282 – – 282
– – – –
6 – – 6
– – – –
– – – –
– – – –
– – – –
– 232 – 232
– 137 – 137
– 853 169 1,022
– 841 169 1,010
– 800 169 969
– 408 86 494
1,154 6,387 1,536 9,077
2019
– 145 45 190
– – – –
– 304 105 409
– – – –
– – – –
– – – –
– – – –
– 48 17 65
– – – –
– – – –
– – – –
– – – –
– – – –
– 417 83 500
– 914 250 1,164
196
2019 12 31
13
(a)
2018 12 31
– 712 179 891
– 356 103 459
– 641 174 815
– – – –
– 1,563 170 1,733
– 1,563 210 1,773
– 1,563 210 1,773
– – – –
– – – –
– – – –
– – – –
– – – –
250 – – 250
250 – – 250
250 – – 250
250 – – 250
– – – –
– – – –
– – – –
– – – –
– – – –
– – – –
– – – –
– – – –
– 200 – 200
– 853 161 1,014
– 840 161 1,001
– 833 161 994
– 133 28 161
1,000 9,257 1,557 11,814
2018
– 331 195 526
– 427 114 541
– 534 158 692
– 712 195 907
– 484 91 575
146 – – 146
146 2,488 753 3,387
H 197
2019 12 31
13
(a)
(1) 2019 2019
2018 2020 3 11 2020
(2)
(3) 2019 2018
(4)
(b)
12 31
2019 2018
14 14
14 14
2 2
30 30
12 31
2019 2018
4,000,001 - 4,500,000 – –
4,500,001 - 5,000,000 3 2
5,000,001 - 5,500,000 1 2
5,500,001 - 6,000,000 – –
6,000,001 - 6,500,000 – –
6,500,001 - 7,000,000 – –
7,000,001 - 7,500,000 – –
7,500,001 - 8,000,000 – –
8,000,001 - 8,500,000 – –
8,500,001 - 9,000,000 – –
9,000,001 - 9,500,000 – –
9,500,001 - 10,000,000 – 1
10,000,001 - 10,500,000 1 –
5 5
2019 2018
198
2019 12 31
14
12 31
2019 2018
11,789 6,838
1,059 1,058
680 593
13,528 8,489
25 (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)
H 199
2019 12 31
15
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 34.1
26.71 2019 12 31
2019 12 31
2019 9 18 34.2
2019 12 31
16
2019 12 31 2018 12 31
14,481 14,665
653,190 703,649
76,145 111,759
16,078 9,727
291 371
760,185 840,171
200
2019 12 31
16
2019 12 31 2018 12 31
% %
12.50 14.00
5.00 5.00
17
2019 12 31 2018 12 31
96,489 104,270
39,783 58,697
559 933
(176) (254)
15,217 116,871
329 2,846
20 92
(11) (166)
100,074 194,008
55,132 47,437
262,885 275,020
74,080 42,898
4,979 6,749
(872) (1,334)
648,488 848,067
2019 12 31 45 2018
12 31 964.73
2019 12 31 479.30
2.42 2018 546.70 6.01
H 201
2019 12 31
18
2019 12 31 2018 12 31
2,829 1,746
(a) 3,176 3,036
1,597 779
21,244 13,043
(a) 100,680 109,396
3,869 3,609
1,555 1,219
820 1
1,756 1,099
47,141 9,232
92 –
170,343 187,601
39,532 37,232
11,864 8,393
406,498 376,386
(a)
2019 12 31 2018 12 31
88,783 91,198
36,565 33,481
7,602 5,561
2,000 2,588
134,950 132,828
19
202
2019 12 31
19
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)
2019 12 31 2018 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
H 203
2019 12 31
19
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)
12 31
2019 2018
(2,504) (28)
2,250 (81)
(254) (109)
(b)
2019 2.10 2018
1.47
204
2019 12 31
20
20.1
2019 12 31 2018 12 31
5,068,861 4,669,550
235,414 184,184
– 494
(132,719) (123,861)
14,648 14,195
(2,551) (2,190)
5,183,653 4,742,372
20.2
1 2 3
2019 1 1 2,848,956 127,820 57,147 3,033,923
365,201 (58,429) (4,964) 301,808
– (217) (27,330) (27,547)
(105,437) 70,823 34,614 –
1 2 (95,474) 95,474 – –
1 3 (9,963) – 9,963 –
2 3 – (24,651) 24,651 –
– (413) (82) (495)
6,259 117 31 6,407
2019 12 31 3,114,979 139,701 59,416 3,314,096
1 2 3
2018 1 1 2,791,561 150,487 62,557 3,004,605
154,030 (87,260) (5,255) 61,515
– (527) (38,461) (38,988)
(103,366) 64,901 38,465 –
1 2 (88,892) 88,892 – –
1 3 (14,474) – 14,474 –
2 3 – (23,991) 23,991 –
18 148 (212) (46)
6,713 71 53 6,837
2018 12 31 2,848,956 127,820 57,147 3,033,923
H 205
2019 12 31
20
20.2
1 2 3
12
2019 1 1 23,323 42,503 36,577 102,403
3,443 (3,596) (4,142) (4,295)
(51) 189 – 138
– (217) (27,330) (27,547)
844 (13,068) 12,224 –
1 2 1,148 (1,148) – –
1 3 (304) – 304 –
2 3 – (11,920) 11,920 –
(4,459) 14,145 24,560 34,246
– – 1,464 1,464
– – (1,292) (1,292)
25 4 24 53
2019 12 31 23,125 39,960 42,085 105,170
1 2 3
12
2018 1 1 25,027 50,159 36,406 111,592
(2,123) 1,320 30,879 30,076
– (527) (38,461) (38,988)
381 (8,488) 8,107 –
1 2 741 (741) – –
1 3 (360) – 360 –
2 3 – (7,747) 7,747 –
– – 1,062 1,062
– – (1,447) (1,447)
38 39 31 108
2018 12 31 23,323 42,503 36,577 102,403
206
2019 12 31
20
20.2
1 2 3
2019 1 1 1,612,415 7,872 15,340 1,635,627
138,887 (1,906) (4,226) 132,755
– – (14,436) (14,436)
(25,008) 3,116 21,892 –
1 2 (7,504) 7,504 – –
1 3 (17,504) – 17,504 –
2 3 – (4,388) 4,388 –
812 3 4 819
2019 12 31 1,727,106 9,085 18,574 1,754,765
1 2 3
2018 1 1 1,388,170 5,721 15,991 1,409,882
240,290 (1,515) (2,902) 235,873
– – (11,180) (11,180)
(17,027) 3,635 13,392 –
1 2 (5,541) 5,541 – –
1 3 (11,486) – 11,486 –
2 3 – (1,906) 1,906 –
982 31 39 1,052
2018 12 31 1,612,415 7,872 15,340 1,635,627
1 2 3
12
2019 1 1 7,710 2,302 11,446 21,458
909 (225) (1,219) (535)
– – (14,436) (14,436)
380 (686) 306 –
1 2 295 (295) – –
1 3 85 – (85) –
2 3 – (391) 391 –
(605) 1,800 18,816 20,011
– – 1,224 1,224
– – (175) (175)
– 2 – 2
2019 12 31 8,394 3,193 15,962 27,549
H 207
2019 12 31
20
20.2
1 2 3
12
2018 1 1 6,506 1,395 11,626 19,527
730 1,450 10,557 12,737
– – (11,180) (11,180)
460 (545) 85 –
1 2 272 (272) – –
1 3 188 – (188) –
2 3 – (273) 273 –
– – 517 517
– – (171) (171)
14 2 12 28
2018 12 31 7,710 2,302 11,446 21,458
1 2 3
2019 1 1 178,874 6,731 258 185,863
49,941 (193) (310) 49,438
(102) – 102 –
1 2 – – – –
1 3 (102) – 102 –
244 (134) 3 113
2019 12 31 228,957 6,404 53 235,414
1 2 3
2018 1 1 156,612 7,184 209 164,005
28,129 (7,712) (44) 20,373
(7,029) 6,980 49 –
1 2 (6,980) 6,980 – –
1 3 (49) – 49 –
1,162 279 44 1,485
2018 12 31 178,874 6,731 258 185,863
208
2019 12 31
20
20.2
1 2 3
12
2019 1 1 1,163 283 233 1,679
(321) (78) 53 (346)
(3) – 3 –
1 2 – – – –
1 3 (3) – 3 –
2019 12 31 839 205 289 1,333
1 2 3
12
2018 1 1 1,587 278 131 1,996
(138) (279) 100 (317)
(286) 284 2 –
1 2 (284) 284 – –
1 3 (2) – 2 –
2018 12 31 1,163 283 233 1,679
20.3
2019 12 31 2018 12 31
1,844,304 1,554,652
943,076 895,738
2,516,895 2,403,838
1,926,508 1,732,818
590,387 671,020
5,304,275 4,854,228
H 209
2019 12 31
20
20.4
2019 12 31
1 90 360
90 360 3 3
10,622 12,014 1,009 299 23,944
4,983 7,781 11,294 3,893 27,951
13,318 8,823 11,358 5,126 38,625
11,805 7,934 9,505 4,695 33,939
1,513 889 1,853 431 4,686
28,923 28,618 23,661 9,318 90,520
2018 12 31
1 90 360
90 360 3 3
11,133 10,402 400 460 22,395
6,344 10,847 9,561 4,099 30,851
8,366 10,830 11,930 4,792 35,918
7,553 9,429 10,329 4,306 31,617
813 1,401 1,601 486 4,301
25,843 32,079 21,891 9,351 89,164
21
2019 12 31 2018 12 31
7,427 6,007
1,747,791 1,759,249
149,170 209,518
28,564 29,100
(3,263) (3,369)
1,929,689 2,000,505
155,781 106,465
382,695 236,079
115,776 91,209
6,459 3,877
660,711 437,630
677 991
1,639 1,423
6,629 4,974
8,945 7,388
669,656 445,018
210
2019 12 31
21
1 2 3 1 2 3
2019 1 1 437,630 – – 2,002,789 – 1,085 2,441,504
415,485 – – 289,477 – – 704,962
(205,700) – – (360,855) – (21) (566,576)
– – – (1,816) 1,497 319 –
1 2 – – – (1,497) 1,497 – –
1 3 – – – (319) – 319 –
2 3 – – – – – – –
2,582 – – (536) – – 2,046
5,822 – – 1,013 – – 6,835
4,892 – – – – – 4,892
2019 12 31 660,711 – – 1,930,072 1,497 1,383 2,593,663
1 2 3 1 2 3
2018 1 1 369,318 – – 1,886,559 54 576 2,256,507
283,626 – – 406,039 – – 689,665
(224,823) – – (319,166) (54) (16) (544,059)
– – – (525) – 525 –
1 2 – – – – – – –
1 3 – – – (525) – 525 –
2 3 – – – – – – –
3,877 – – 29,100 – – 32,977
3,037 – – 782 – – 3,819
2,595 – – – – – 2,595
2018 12 31 437,630 – – 2,002,789 – 1,085 2,441,504
H 211
2019 12 31
21
1 2 3 1 2 3
12 12
2019 1 1 718 – 467 2,884 – 485 4,554
114 – (81) (148) – (13) (128)
– – – – – – –
– – – – – 13 13
– – – (56) 52 4 –
1 2 – – – (52) 52 – –
1 3 – – – (4) – 4 –
2 3 – – – – – – –
(193) – – (226) 126 141 (152)
21 – 7 1 – – 29
2019 12 31 660 – 393 2,455 178 630 4,316
1 2 3 1 2 3
12 12
2018 1 1 438 – 454 3,246 10 475 4,623
273 – (8) (336) (10) (16) (97)
– – – – – – –
– – – – – – –
– – – (26) – 26 –
1 2 – – – – – – –
1 3 – – – (26) – 26 –
2 3 – – – – – – –
7 – 21 – – – 28
2018 12 31 718 – 467 2,884 – 485 4,554
2019 12 31 2018 12 31
258,959 66,621
2,108 3,699
329,703 312,339
69,941 54,971
660,711 437,630
1,521,473 1,439,657
25,689 28,364
215,817 292,631
27,038 38,411
1,790,017 1,799,063
212
2019 12 31
21
2019 12 31 2018 12 31
1,411 1,047
3,606 44,682
38,088 44,354
43,105 90,083
2019 12 31 2018 12 31
3 3,129 14,407
3 12 15,341 58,075
1 5 22,368 17,072
5 2,267 529
43,105 90,083
22
22.1
%
2007 12 20 8,500,000,000 100.00
2007 10 18 5,764,705,882 85.00
2005 8 4 200,000,000 65.00
2010 1 27 5,100,000,000 62.50
2007 5 2 2,734,392,000 73.14
2000 11 1 400,000,000 100.00
2008 8 15 60,000,000 61.00
2010 3 18 180,000,000 51.00
2011 4 13 150,000,000 51.00
2012 8 16 150,000,000 51.00
2015 5 7 100,000,000 100.00
2017 12 29 10,000,000,000 100.00
2018 1 29 17,900,000,000 100.00
2019 6 6 8,000,000,000 100.00
BoCom Brazil Holding 2016 3 11 533,377,877 100.00
Company Ltda
BANCO Bocom BBM S.A. 1967 6 29 313,686,111 80.00
2019 12 31
H 213
2019 12 31
22
22.2
(1) 2019 6 6 80 2019 5 28
2019 12 31 100%
(2) 2019 12 4 Bocom Brazil Holding Company Ltda 32,122,063.84
2019 12 31 Bocom Brazil Holding Company Ltda 100%
(3) 2019 2020 1 23
2019 12 31
22.3
2019 12 31
2018 12 31
2019 12 31
2018 12 31
2019 12 31 PricewaterhouseCoopers,
Societe cooperative 2018 12 31 PricewaterhouseCoopers, Societe
cooperative)
2019 12 31 Bocom Brazil Holding Company Ltda BANCO Bocom BBM S.A.
PricewaterhouseCoopers LLP 2018 12 31 PricewaterhouseCoopers
LLP)
23
2019 12 31 2018 12 31
3,506 2,977
1,080 666
71 44
(93) (42)
4,564 3,645
36 8
4,600 3,653
27.41 2001 12
3 2019 12 31 9.01% 2018
12 31 8.84%
15 3
33.20 2011 12 30
2019 12 31 10.60% 2018
12 31 10.60%
12 3
214
2019 12 31
24
2019 1 1 61,594 2,407 25,523 108,553 9,133 207,210
173 965 2,077 28,201 103 31,519
(468) – (2,250) (2,314) (124) (5,156)
326 (731) – – 405 –
139 (16) – – (139) (16)
2019 12 31 61,764 2,625 25,350 134,440 9,378 233,557
2019 1 1 (16,860) – (20,288) (11,540) (5,103) (53,791)
(1,975) – (2,065) (5,908) (822) (10,770)
157 – 2,110 171 101 2,539
2019 12 31 (18,678) – (20,243) (17,277) (5,824) (62,022)
2019 1 1 – (16) – (117) – (133)
– – – (233) – (233)
– – – 10 – 10
2019 12 31 – (16) – (340) – (356)
2019 12 31 43,086 2,609 5,107 116,823 3,554 171,179
2019 12 31 1,165.40
2018 12 31 966.23 599.57
2018 12 31 592.79
2019 12 31 1.98 2018 12 31
2.03
2018 1 1 58,158 4,286 25,184 82,885 7,961 178,474
1,367 1,249 2,149 25,745 139 30,649
458 – – – – 458
(294) – (1,810) (77) (138) (2,319)
2,433 (3,076) – – 643 –
(528) (52) – – 528 (52)
2018 12 31 61,594 2,407 25,523 108,553 9,133 207,210
2018 1 1 (15,006) – (19,607) (7,018) (4,251) (45,882)
(1,890) – (2,249) (4,591) (866) (9,596)
– – – – – –
7 – – – (7) –
29 – 1,568 69 21 1,687
2018 12 31 (16,860) – (20,288) (11,540) (5,103) (53,791)
2018 1 1 – (16) – (84) – (100)
– – – (33) – (33)
– – – – – –
2018 12 31 – (16) – (117) – (133)
2018 12 31 44,734 2,391 5,235 96,896 4,030 153,286
H 215
2019 12 31
25
2019 12 31 25%
2018 12 31 25% 16.5% 2018 12
31 16.5%
2019 1 1 18,947 1,516 102 484 (412) (584) (538) 1,862 21,377
2,742 324 (3) – 1,778 (96) (1,036) (319) 3,390
(611) – – (1,014) 5 – – – (1,620)
2019 12 31 21,078 1,840 99 (530) 1,371 (680) (1,574) 1,543 23,147
2017 12 31 12,844 110 99 – (163) (522) 916 1,988 15,272
IFRS 9 9,004 – – 1,095 – – 36 – 10,135
2018 1 1 21,848 110 99 1,095 (163) (522) 952 1,988 25,407
(2,901) 1,406 3 – (243) (62) (1,490) (126) (3,413)
– – – (611) (6) – – – (617)
2018 12 31 18,947 1,516 102 484 (412) (584) (538) 1,862 21,377
216
2019 12 31
25
2019 12 31 2018 12 31
(4,632) (1,158) (351) (88)
(8,272) (2,068) (4,021) (1,005)
(20,937) (5,235) (30,566) (7,642)
(2,720) (680) (2,334) (584)
(2,408) (602) (336) (84)
(38,969) (9,743) (37,608) (9,403)
84,312 21,078 75,789 18,947
399 99 408 102
7,361 1,840 6,063 1,516
1,976 494 1,866 467
2,512 628 2,288 572
26,424 6,606 28,921 7,230
8,580 2,145 7,782 1,946
131,564 32,890 123,117 30,780
92,595 23,147 85,509 21,377
2019 12 31 2018 12 31
24,065 21,975
(918) (598)
H 217
2019 12 31
26
2019 12 31 2018 12 31
(1)
3,827 3,849
7,567 7,562
41,344 30,050
(c) (2,717) (2,152)
(b) 7,894 7,899
(e) 6,521
1,936 1,869
(a) 1,368 1,309
714 692
758 925
759 824
(d) 430 437
493 425
33 33
15,723 15,286
86,650 69,008
1
(a)
2019 1 1 3,028
365
–
(7)
2019 12 31 3,386
2019 1 1 (1,719)
(306)
–
7
2019 12 31 (2,018)
1,368
2018 1 1 2,780
270
–
(22)
2018 12 31 3,028
2018 1 1 (1,452)
(271)
–
4
2018 12 31 (1,719)
1,309
218
2019 12 31
26
(b)
2019 2019
1 1 12 31
7,899 – 31 (36) 7,894
2018 2018
1 1 12 31
8,217 (458) 117 23 7,899
2019 12 31
2019
12 31
– – 1,171 1,171
– – 6,723 6,723
(c)
2019 2019
1 1 12 31
(2,152) (2,134) 524 1,140 (13) (80) (2) (2,717)
(2,152) (2,134) 524 1,140 (13) (80) (2) (2,717)
2018 2018
1 1 12 31
(1,940) (1,574) 499 864 41 (41) (1) (2,152)
(1,940) (1,574) 499 864 41 (41) (1) (2,152)
(d)
2019 2019
1 1 12 31
200 – – – 200
122 – – – 122
BANCO Bocom BBM S.A 115 – – (7) 108
437 – – (7) 430
2018 2018
1 1 12 31
200 – – – 200
122 – – – 122
BANCO Bocom BBM S.A 131 – – (16) 115
453 – – (16) 437
H 219
2019 12 31
26
(d)
(e)
2019 12 31
14,493
2,124
(3,104)
13,513
(7,372)
(2,550)
2,930
(6,992)
2019 1 1 7,121
2019 12 31 6,521
2019 12 31 6,344
2019 12 31 1.95
27
2019 12 31 2018 12 31
456,314 511,284
6,619 8,854
284,254 327,250
14,213 16,729
602,870 724,295
14,645 11,851
5,672 21,199
154,740 131,865
245,877 260,241
701 651
10,303 8,083
1,016 2,478
34,176 107,367
72,553 30,072
129 74
1,904,082 2,162,293
220
2019 12 31
28
2019 12 31 2018 12 31
13,392 11,660
12,950 11,449
638 –
26,980 23,109
2019 12 31 2018 12 31
14,030 11,660
13,976 11,663
54 (3)
2019 12 31 2018 12 31
29
2019 12 31 2018 12 31
1,835,688 1,748,857
2,196,096 2,195,241
762,669 687,393
1,207,253 1,089,095
3,364 3,903
6,005,070 5,724,489
67,838 68,835
6,072,908 5,793,324
246,727 297,707
30
BANCO BoCom BBM S.A.
H 221
2019 12 31
31
2019 12 31 2018 12 31
31.1 25,950 39,450
31.2
73,843 70,017
1,994 1,994
31.3 194,422 115,431
31.3 83,688 70,777
3,584 3,463
383,481 301,132
31.3
20,437 16,556
403,918 317,688
2019 12 31 2018 12 31
31.1
%
09 02 4.00 13,500 2009/07/01 15 (a) 13,500 – 13,500
11 01 5.75 26,000 2011/10/21 15 (b) 26,000 25,950 25,950
39,500 25,950 39,450
(a) 2019 7 3
(b) 2021 10 24 11 01 5.75%
222
2019 12 31
31
31.2
%
14 01 5.80 28,000 2014/08/18 10 (a) 28,000 – 27,976
14
01
4.50 1,200 2014/10/03 10 (b) 8,371 – 8,169
14
01
3.625 500 2014/10/03 12 (c) 3,908 3,883 3,904
17
4.50 30,000 2017/04/11 10 (d) 30,000 29,960 29,968
19
01 4.10 30,000 2019/08/14 10 (e) 30,000 30,000 –
19
02 4.49 10,000 2019/08/14 15 (f) 10,000 10,000 –
110,279 73,843 70,017
18
5.15 2,000 2018/09/18 10 (g) 2,000 1,994 1,994
2,000 1,994 1,994
112,279 75,837 72,011
(a) 2019 8 19 14 01
(b) 2019 10 3 14 01
(c) 2021 10 3 14 01 2021 10
3 5 300
(d)
5 2022 4 13
(e)
5 2024 8 16
(f)
10 2029 8 16
(g) 5 2023 9 20
H 223
2019 12 31
31
31.3
%
15 3.45 30,000 2015/12/17 5 30,000 30,000 30,000
16 01 2.94 10,000 2016/11/18 3 10,000 – 10,000
16 02 3.25 20,000 2016/11/18 5 20,000 20,000 20,000
17 4.29 20,000 2017/10/26 3 20,000 20,000 20,000
18 3.79 10,000 2018/11/28 3 10,000 10,000 10,000
19 01 3.35 50,000 2019/11/27 3 50,000 50,000 –
19 02 3.36 40,000 2019/12/13 3 40,000 40,000 –
14 B 3.85 500 2014/06/23 5 500 – 499
14 C 4.15 500 2014/06/23 7 500 498 499
17 01 3MLibor +0.78 700 2017/05/15 3 4,883 4,886 4,802
17 02 3MLibor +0.88 300 2017/05/15 5 2,093 2,094 2,058
17 03 3MLibor +0.80 400 2017/12/04 3 2,790 2,792 2,744
17 04 3MLibor +0.90 600 2017/12/04 5 4,186 4,188 4,116
18 01 3MLibor +0.75 600 2018/05/17 3 4,186 4,188 4,116
18 02 3MLibor +0.85 700 2018/05/17 5 4,883 4,886 4,802
P14JHTP1B 3.75 900 2014/12/04 5 900 – 898
P14JHTP1C 3.90 700 2014/12/04 7 700 692 698
P14JHTP1D 4.00 200 2014/12/04 10 200 198 199
205,821 194,422 115,431
13 3.75 500 2013/03/06 10 3,488 3,484 3,427
14 3.375 500 2014/04/25 5 3,488 – 3,428
5 3.125 385 2015/08/18 5 2,686 2,497 2,642
3 2.23 400 2016/03/15 3 2,790 – 2,745
5 2.748 600 2016/03/15 5 4,186 4,179 4,105
3 3.50 300 2018/01/25 3 2,093 2,090 2,035
5 3.75 950 2018/01/25 5 6,627 6,592 6,496
10 4.00 250 2018/01/25 10 1,744 1,727 1,692
19 110%SELIC 200 2019/01/30 5 339 66 –
16 01 3.17 4,000 2016/07/21 3 4,000 – 3,898
16 02 3.05 1,500 2016/09/07 3 1,500 – 1,199
16 03 3.25 500 2016/09/07 5 500 449 449
17 01 4.53 2,000 2017/07/18 3 2,000 1,949 1,947
17 02 4.60 3,000 2017/08/22 3 3,000 2,398 2,395
17 03 4.70 3,000 2017/10/18 3 3,000 2,398 2,395
18 02 4.14 4,000 2018/10/22 3 4,000 3,993 3,989
Azure Nova 2.25 500 2016/10/25 3 3,488 – 3,431
Azure Nova 2.625 1,000 2016/10/25 5 6,976 6,956 6,847
Azure Nova 3.00 700 2017/03/21 3 4,883 4,882 4,788
Azure Nova 3.50 1,050 2017/03/21 5 7,325 7,308 7,171
Azure Nova 4.25 250 2017/03/21 10 1,744 1,737 1,708
19 01 4.00 800 2019/01/22 3 5,581 4,134 –
19 02 4.375 700 2019/01/22 5 4,883 3,139 –
19 03 3MLibor+1.2 120 2019/04/12 3 837 837 –
19 01 3.68 800 2019/05/20 3 5,000 4,550 –
19 02 3.65 700 2019/07/08 3 5,000 4,990 –
19 04 3MLibor+1.18 120 2019/09/05 5 2,790 1,408 –
19 05 2.625 120 2019/09/05 5 1,395 914 –
18 01 4.53 4,000 2018/07/05 3 4,000 3,994 3,990
19 03 3.49 3,500 2019/10/22 3 3,500 3,492 –
19 06 2.99 180 2019/10/25 3 1,256 1,256 –
19 07 3MLibor+1.08 600 2019/12/10 3 4,186 2,269 –
108,285 83,688 70,777
314,106 278,110 186,208
224
2019 12 31
31
31.3
%
14 4.00 500 2014/02/14 7 448 462 455
14 02 3.20 350 2014/04/02 5 314 – 309
16 2.25 500 2016/01/25 3 3,488 – 3,462
16 3MLibor+0.88 550 2016/08/16 3 3,837 – 3,792
17 3MLibor+0.78 850 2017/02/21 3 5,930 5,931 5,856
18 2.95 3,000 2018/05/18 2 2,687 2,743 2,682
19 3.40 2,500 2019/03/21 2 2,500 2,526 –
19 2.85 3,500 2019/03/21 5 3,135 3,186 –
19 3MLibor+0.78 800 2019/03/21 3 5,581 5,589 –
27,920 20,437 16,556
32
2019 12 31 2018 12 31
6,344
31,936 22,821
19,275 21,692
11,118 9,309
7,661 7,677
4,536 4,515
(a) 1,029 982
(b) 6,332 5,081
87 77
75,063 59,560
163,381 131,714
(a)
2019 2019
1 1 12 31
982 421 (3) (371) – 1,029
2018 2018
1 1 12 31
449 640 (16) (91) – 982
H 225
2019 12 31
32
(b)
1 2 3
12
2019 1 1 4,741 340 – 5,081
1,068 917 – 1,985
(7) (182) – (189)
(8) 8 – –
1 2 (8) 8 – –
(442) (109) – (551)
6 – – 6
2019 12 31 5,358 974 – 6,332
1 2 3
12
2018 1 1 5,475 725 – 6,200
(864) (106) – (970)
– – – –
372 (372) – –
1 2 372 (372) – –
(258) 86 – (172)
16 7 – 23
2018 12 31 4,741 340 – 5,081
33
1
2019 1 1 74,263 74,263 113,663 187,926
2019 12 31 74,263 74,263 113,663 187,926
1
2018 1 1 74,263 74,263 113,663 187,926
2018 12 31 74,263 74,263 113,663 187,926
2019 12 31 2018 12 31 A 39,251 H 35,012
1
226
2019 12 31
33
2019 12 31 2018 12 31
2019 2019
1 1 12 31
113,046 – – 113,046
472 – – 472
148 – – 148
(41) – – (41)
16 – – 16
22 – – 22
113,663 – – 113,663
2018 2018
1 1 12 31
113,046 – – 113,046
472 – – 472
148 – – 148
(41) – – (41)
16 – – 16
22 – – 22
113,663 – – 113,663
34
34.1
34.1.1
2015-07-29 5.00% 20 122,500,000 2,450 14,982
2016-09-02 3.90% 100 450,000,000 45,000 45,000
59,982
(106)
59,876
H 227
2019 12 31
34
34.1
34.1.2
(a)
(1) 5.00%
(2) 5 5 3.344%
(b)
(c)
1.00 7.7555 H
6.51
(d)
228
2019 12 31
34
34.1
34.1.2
(e)
2020 7 29
(a)
(1) 3.90%
(2) 5 20 5
0.01% 1.37%
(b)
(c)
A 6.25
(d)
H 229
2019 12 31
34
34.1
34.1.2
(e)
2021 9 2
34.1.3
2019 2019
1 1 12 31
122,500,000 – – 122,500,000
14,924 – – 14,924
450,000,000 – – 450,000,000
44,952 – – 44,952
34.2
34.2.1
2019 9 18 4.20% 100 400,000,000 40,000 40,000
40,000
(6)
39,994
34.2.2
(1)
400
(2)
(3)
5
5
5
0.01%
230
2019 12 31
34
34.2
34.2.2
(4)
5
5
(5)
(6)
5.125%
5.125%
5.125%
(7)
(8)
34.3
2019 12 31 2018 12 31
793,247 698,405
693,377 638,529
59,876 59,876
39,994 –
2,671 2,618
2,671 2,618
7,665 6,903
7,665 6,903
H 231
2019 12 31
35
10%
50%
1.5%
2012 7 1 [2012]20
2019 6 21 2018 2018
12 31
2019 2018
– 6,833
2,738 8,705
– –
2,738 15,538
2019 12 31
32.86 27.38 2018 98.11 87.05
2019 6 21 2018 2018 27.38 2018
87.05
232
2019 12 31
35
2018 12 31 1,397
4,681
(1,031)
(1,637)
11
2019 12 31 3,421
2017 12 31 (2,365)
IFRS 9 1,891
(474)
2,719
(228)
(624)
4
2018 12 31 1,397
2018 12 31 129,161
IFRS 16 (616)
2019 1 1 128,545
77,281
(381)
(3,286)
(57)
(22,279)
(2,671)
(11)
2019 12 31 177,141
2017 12 31 124,514
IFRS 9 (28,257)
2018 1 1 96,257
73,630
(7,055)
(9,811)
(29)
(21,209)
(2,618)
(4)
2018 12 31 129,161
H 233
2019 12 31
36
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
234
2019 12 31
37
2019 12 31 2018 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 12 31 2018 12 31
60,310 66,968
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 12 31 2018 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
H 235
2019 12 31
37
2019 12 31
837.77 2018 12 31 744.23
2019 12 31 2018 12 31
32
2019 12 31 2018 12 31
5,011 3,242
32 1,029 982
38
(1)
12
2019 2018 2019 2018
12 31 12 31 12 31 12 31
468,085 697,288 387,547 581,070
78,041 32,308 78,041 32,308
546,126 729,596 465,588 613,378
43
(2)
2019 12
31
2018 12 31 27.58
2019 12 31 2018 12 31
236
2019 12 31
39
2019 12 31
(391) (322) (713)
113 (448) (335)
(504) 126 (378)
4,807 (1,487) 3,320
5,334 (1,619) 3,715
(527) 132 (395)
(14) 5 (9)
(210) 54 (156)
196 (49) 147
1,141 – 1,141
(748) 188 (560)
25 – 25
(20) – (20)
18 – 18
4,818 (1,616) 3,202
2018 12 31
241 (139) 102
241 (139) 102
– – –
2,367 (452) 1,915
2,595 (509) 2,086
(228) 57 (171)
23 (6) 17
147 (37) 110
(124) 31 (93)
1,998 – 1,998
81 (20) 61
(14) – (14)
(25) – (25)
18 – 18
4,689 (617) 4,072
H 237
2019 12 31
40
90
2019 12 31 2018 12 31
85,246 123,665
82,489 119,827
167,735 243,492
41
2019 12 31
61.47 198.46
2018 12 31 1,383.66 2019
42
2019 12 31
2019 12 31 2018 12 31
2019 12 31 2018 12 31
357,568 242,502
893,739 1,054,073
1,003,226 960,003
295 –
2,254,828 2,256,578
2019 12 31
39.48 2018 12 31 29.36
12.04 2018 12 31 16.12
238
2019 12 31
42
2019 12 31 2018 12 31
2019 12 31
160,522 – – 160,522
8,207 – 139,302 147,509
320 – – 320
798 584 – 1,382
– – 15 15
169,847 584 139,317 309,748
2018 12 31
180,547 – 180,547
4,906 200,861 205,767
2,101 – 2,101
187,554 200,861 388,415
43
43.1
2019 12 31 2018 12 31
27
H 239
2019 12 31
43
43.1
2019 2018 2019 2018
12 31 12 31 12 31 12 31
3,949 4,094 9,828 3,797
43.2
2019 12 31 66.20 2018 12 31
38.10
43.3
2019 12 31 557.02
551.44 2018 12 31 987.63 937.77
2019 12 31
48.64 2018 12 31 61.08
43.4
2019 12 31
131.32 2018 89.71 47.33
2018 34.48
44
(a)
2019 12 31 177.32 2018 12 31 197.03
23.88% 2018 12 31 26.53%
2019 12 31 2018 12 31
647,402 524,736
9,515 8,017
240
2019 12 31
44
(a)
12 31
2019 2018
18,935 16,040
– 92
12 31
2019 2018
% %
0.13~5.41 1.927~5.05
3.71
(b)
2019 12 31 129.09 2018 12 31
109.23 17.38% 2018 12 31 14.71%
2019 12 31 2018 12 31
70,350 26,650
964 359
12 31
2019 2018
1,031 1,355
12 31
2019 2018
% %
3.85~6.10 3.85~6.10
H 241
2019 12 31
44
(c)
2019 12 31 138.86 2018 12 31 138.86
18.70% 2018 12 31 18.70%
2019 12 31 2018 12 31
1,302 2,250
798 1,592
1,323 1,314
230 230
4,634 4,410
1,644 1,289
6,107 13,298
2,424 2,832
22,987 48,776
979 760
2,622 1,807
161,086 138,544
12 31
2019 2018
(305) (984)
231 162
1,535 1,385
12 31
2019 2018
% %
0.01~0.35 0.01~2.84
1.39~2.85 0.20~3.55
3.30~4.13 3.30~6.68
3.26~4.74 3.26~4.74
1.50~4.75 1.50~5.01
1.38~3.10 2.73~5.60
0.01~3.80 0.01~6.10
(0.24)~3.46 (0.01)~4.75
0.48~0.75 0.47~1.00
1.40~3.30 2.11~3.44
0.02~2.80 2.34~5.30
242
2019 12 31
44
(d)
(e)
2019 12 31 2018 12 31
338 484
91,307 74,791
1,296 7,298
1,915 –
2,266 1,721
13,055 –
429 366
137 126
9,651 19,904
10,245 10,255
543 860
3,544 2,201
51 51
36 31
10,327 –
28,312 –
H 243
2019 12 31
44
(e)
12 31
2019 12 31 2018 12 31
2,531 2,291
458 603
943 1,063
97 27
562 249
212 174
755 201
12 31
2019 12 31 2018 12 31
% %
0.01~4.00 0.01~4.70
(0.10)~5.40 0.03~5.45
2.63~4.38 –
0.76~4.70 3.25~4.70
1.00~4.38 –
2.18~3.97 0.03~5.52
0.02~9.15 0.01~5.50
(0.10)~5.40 (0.10)~5.45
1.50~3.03 0.01~4.16
5.75 5.75
(f)
2019 12 31 2018 12 31
18 8
3 4
13
244
2019 12 31
44
(g)
2019 12 31 2018 12 31
– 101
– 10
4 –
52 222
3 –
5,193 –
12 31
2019 2018
1 –
10 2
2 10
12 31
2019 2018
% %
0.35~3.88 2.84~3.88
0.75~2.65 0.75
1.38~3.10 2.66~2.75
0.01~5.50 0.01~5.58
H 245
2019 12 31
44
(h)
2019 12 31 2018 12 31
2,354 4,337
1 6
200 –
4 –
1,851 1,910
20 18
46,865 42,094
1,253 1,076
12 31
2019 2018
74 218
1,507 1,265
12 31
2019 2018
% %
0.30~6.31 3.915~5.22
3.19~3.78 –
2.70~5.80 0.35~5.80
1.10~4.18 1.10~4.88
45
(1) -
(2) -
(3) - ( )
(4) -
(5) -
(6)
(7) -
246
2019 12 31
45
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)
H 247
2019 12 31
45
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)
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)
248
2019 12 31
45
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)
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)
H 249
2019 12 31
45
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)
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)
250
2019 12 31
45
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)
46
(a)
2019 12 31 2018 12 31
756,179 835,960
719,284 895,393
19,960 29,447
4,971,617 4,556,775
337,752 356,351
1,905,492 1,982,351
548,454 324,922
4,055 3,454
54,167 46,110
50,795 52,740
22,571 20,580
61,539 43,710
9,451,865 9,147,793
H 251
2019 12 31
46
(a)
2019 12 31 2018 12 31
1,809,364 2,092,370
26,342 23,109
26,076 28,801
5,914,089 5,644,733
493,873 360,766
5,524 1,334
102 46
317,205 244,163
97,535 77,654
8,690,110 8,472,976
74,263 74,263
99,870 59,876
59,876 59,876
39,994 –
113,427 113,427
318,251 313,760
155,944 113,491
761,755 674,817
9,451,865 9,147,793
2020 3 27
252
2019 12 31
46
(b)
33 34 34 33 35 35 35 35 35,36
2018 12 31 74,263 59,876 – 113,427 63,072 139,764 108,717 1,247 (20) 29 (404) 10 1,345 113,491 674,817
IFRS 16
– – – – – – – – – – – – – (609) (609)
2019 1 1
74,263 59,876 – 113,427 63,072 139,764 108,717 1,247 (20) 29 (404) 10 1,345 112,882 674,208
– – – – – – – – – – – – – 70,752 70,752
– – – – – – – 1,078 25 (47) 697 (20) 18 – 1,751
– – – – – – – 1,078 25 (47) 697 (20) 18 70,752 72,503
– – 39,994 – – – – – – – – – – – 39,994
– – – – – – – – – – – – – (22,279) (22,279)
– – – – – – – – – – – – – (2,671) (2,671)
– – – – – – 2,738 – – – – – – (2,738) –
– – – – – – – 2 – – – – – (2) –
2019 12 31 74,263 59,876 39,994 113,427 63,072 139,764 111,455 2,327 5 (18) 293 (10) 1,363 155,944 761,755
2017 12 31 74,263 59,876 – 113,427 56,239 139,764 100,012 (2,053) (5) (1,473) 35 1,327 112,544 653,956
IFRS 9
– – – – – – – 1,797 (6) – – – – (28,012) (26,221)
2018 1 1
74,263 59,876 – 113,427 56,239 139,764 100,012 (256) (6) (5) (1,473) 35 1,327 84,532 627,735
– – – – – – – – – – – – – 68,324 68,324
– – – – – – – 1,503 (14) 34 1,069 (25) 18 – 2,585
– – – – – – – 1,503 (14) 34 1,069 (25) 18 68,324 70,909
– – – – – – – – – – – – – – –
– – – – – – – – – – – – – (21,209) (21,209)
– – – – – – – – – – – – – (2,618) (2,618)
– – – – 6,833 – 8,705 – – – – – – (15,538) –
2018 12 31 74,263 59,876 – 113,427 63,072 139,764 108,717 1,247 (20) 29 (404) 10 1,345 113,491 674,817
H 253
2019 12 31
47
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
254
256
256
257
257
258
259
H 255
1
2019 12 31 2018 12 31
(%) 72.92 68.73
2
2019 12 31
962,162 240,381 182,878 1,385,421
(935,924) (281,692) (120,743) (1,338,359)
1,009,056 184,437 88,332 1,281,825
(1,082,162) (116,658) (131,152) (1,329,972)
(9,379) (1) (506) (9,886)
(56,247) 26,467 18,809 (10,971)
123,773 18,922 5,175 147,870
2018 12 31
923,779 190,792 154,296 1,268,867
(980,657) (239,433) (112,500) (1,332,590)
1,176,798 111,895 34,961 1,323,654
(1,164,445) (50,463) (67,904) (1,282,812)
(3,652) – (728) (4,380)
(48,177) 12,791 8,125 (27,261)
103,330 18,941 5,048 127,319
256
3
10%
2019 12 31
483,803 34,641 570,466 – 1,088,910
145,993 16,732 236,836 – 399,561
33,558 32,202 67,936 – 133,696
4,704 594 10,615 – 15,913
14,620 211 24,409 – 39,240
536,685 67,648 673,426 – 1,277,759
2018 12 31
543,039 49,363 461,398 – 1,053,800
123,413 19,119 192,390 – 334,922
57,414 14,001 50,278 – 121,693
– – – – –
22,481 1,125 57,266 – 80,872
622,934 64,489 568,942 – 1,256,365
4
4.1
2019 12 31 2018 12 31
28,923 25,843
9,694 10,983
18,924 21,096
32,979 31,242
90,520 89,164
(%)
0.55 0.54
0.17 0.23
0.36 0.43
0.63 0.64
1.71 1.84
H 257
4
4.2
2019 12 31 2018 12 31
7,634 9,415
1,949 3,617
0.04 0.07
5
5.1
2019 12 31 2018 12 31
5,506 (4,371) 7,734 (5,479)
13,826 (9,625) 8,668 (5,586)
21,573 (14,778) 21,895 (13,549)
14,419 (9,538) 14,941 (9,090)
10,373 (7,569) 10,329 (6,084)
11,133 (11,514) 7,681 (7,320)
76,830 (57,395) 71,248 (47,108)
1,213 (652) 1,264 (915)
78,043 (58,047) 72,512 (48,023)
5.2
2019 12 31 2018 12 31
5,923 (9,268) 7,939 (5,346)
15,384 (4,286) 9,619 (5,742)
24,217 (13,903) 25,229 (15,865)
15,164 (8,566) 15,901 (9,594)
8,277 (6,117) 10,536 (6,648)
20,582 (13,877) 18,374 (8,983)
89,547 (56,017) 87,598 (52,178)
973 (710) 1,566 (1,143)
90,520 (56,727) 89,164 (53,321)
44,293 43,899
258
6
6.1
2019 12 31 2018 12 31
% %
957 0.44 – 1,265 0.66 –
863 0.39 316 668 0.35 325
3,079 1.40 636 2,990 1.56 634
30,300 13.81 4,736 29,120 15.21 4,116
1,529 0.70 400 1,187 0.62 227
11,125 5.07 1,012 9,455 4.94 1,106
16,682 7.61 4,040 13,435 7.02 4,143
1,059 0.48 31 835 0.44 32
37,106 16.92 3,438 36,487 19.05 3,235
– – – – – –
10,405 4.74 2,354 12,348 6.45 3,211
24,510 11.17 10,677 12,934 6.75 6,736
8,840 4.03 3,152 5,358 2.80 2,649
– – – – – –
41,297 18.84 5,932 39,937 20.84 4,506
187,752 85.60 36,724 166,019 86.69 30,920
17,496 7.98 17,479 14,445 7.54 14,429
146 0.07 – 156 0.08 –
13,936 6.35 12,876 10,893 5.69 9,912
31,578 14.40 30,355 25,494 13.31 24,341
219,330 100.00 67,079 191,513 100.00 55,261
5,084,945 4,662,715
2017 (GB/T 4754-2017)
2019 12 31 47% 2018 12 31 49%
H 259
6
6.2
2019 12 31 2018 12 31
59,469 (42,085) 57,172 (36,577)
18,574 (15,962) 15,340 (11,446)
78,043 (58,047) 72,512 (48,023)
29,398 28,349
2019 12 31 2018 12 31
29,605 (27,547) 1,464 29,759 (38,988) 1,062
19,476 (14,436) 1,224 12,737 (11,180) 517
49,081 (41,983) 2,688 42,496 (50,168) 1,579
260
1
2019 12 31
1 9,905,600
2 (54,233)
3 0
4 40,470
5 7,808
6 736,970
7 (5,595)
8 10,631,020
2019 12 31
1 9,732,567
2 (5,595)
3 9,726,972
4 20,934
5 40,470
6 0
7 0
8 0
9 0
10 0
11 61,404
12 97,866
13 0
14 7,808
15 0
16 105,674
17 1,708,677
18 (971,707)
19 736,970
20 789,546
21 10,631,020
22 (%) 7.43
1
H 261
2 2019
1 1,811,837
2 1,605,982 150,688
3 195,948 9,685
4 1,410,034 141,003
5 4,062,009 1,823,537
6 2,272,002 566,710
7 1,783,997 1,250,817
8 6,010 6,010
9 21,678
10 1,501,138 687,193
11 651,484 638,102
12 119 119
13 849,535 48,972
14 46,653 46,653
15 1,161,116 40,055
16 2,769,804
17 51,739 51,230
18 814,295 551,435
19 690,008 663,607
20 1,556,042 1,266,272
21 1,811,837
22 1,503,532
23 (%) 120.69
262
3: 2019
<6 6-12 ≥1
1 777,744 – – 102,403 880,147
2 777,744 – – 82,303 860,047
3 – – – 20,100 20,100
4 798,026 1,236,609 69,186 3,033 1,915,641
5 378,457 3,263 1,651 1,613 365,815
6 419,569 1,233,347 67,535 1,420 1,549,826
7 2,084,262 3,223,660 818,012 471,931 2,671,692
8 2,076,422 130,389 32,268 5,707 1,125,247
9 7,840 3,093,271 785,744 466,224 1,546,445
10 – – – – –
11 40,987 18,635 5,521 234,005 224,488
12 41,598
13 40,987 18,635 5,521 192,407 224,488
14 5,691,968
15 373,070
16 94,025 4,460 – 498 49,740
17 59,083 1,884,157 933,722 3,619,414 4,342,604
18 – 6,599 – – 990
19 – 542,905 243,670 144,319 347,590
20 7 1,310,632 649,911 2,017,286 2,692,139
21 35% – 37,726 10,325 16,048 34,457
22 – 530 659 1,070,717 910,704
23 35% – – – – –
24 59,076 23,492 39,482 387,092 391,182
25 – – – – –
26 164,775 72,172 9,801 42,137 252,682
27 54,243 46,107
28 4,190 3,562
29 33,248 –
30 41,598 8,320
31 110,532 72,172 9,801 4,699 194,693
32 2,252,672 94,794
33 5,112,890
34 (%) 111.33
1.
2. 30
26
H 263
4: 2019
<6 6–12 ≥1
1 795,515 – – 93,942 889,457
2 795,515 – – 73,842 869,357
3 – – – 20,100 20,100
4 853,292 1,229,204 39,892 4,422 1,935,326
5 410,996 2,705 1,398 1,496 395,839
6 442,297 1,226,499 38,495 2,926 1,539,487
7 2,139,239 3,013,639 728,116 506,440 2,650,461
8 2,122,298 111,836 31,319 5,554 1,138,280
9 16,941 2,901,803 696,797 500,886 1,512,181
10 – – – – –
11 49,924 146,965 55,548 195,229 233,952
12 26,421
13 49,924 146,965 55,548 168,807 233,952
14 5,709,197
15 327,080
16 71,237 832 – 498 36,532
17 27,044 1,689,396 968,586 3,678,284 4,348,607
18 – 2,648 – – 397
19
– 399,915 207,500 156,723 320,460
20
– 1,252,162 732,684 2,038,118 2,720,633
21 35% – 16,462 9,690 22,585 27,756
22 – 534 674 1,105,955 940,666
23 35% – – – – –
24
27,044 34,137 27,728 377,487 366,451
25 – – – – –
26 158,349 76,598 10,463 160,194 375,316
27 51,293 43,599
28
6,029 5,124
29 20,934 –
30 26,421 5,284
31 107,056 76,598 10,463 133,231 321,307
32 2,399,531 101,881
33 5,189,416
34 (%) 110.02
1.
2. 30
26
264
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