Bank of Communications Co., Ltd.
03328
2020 12 31
2020 12 31
A 601328
H 03328
1 360021
188
86-21-58766688
86-21-58798398
investor@bankcomm.com
-1-
2020 2019 2018 2017 2016
153,336 144,083 130,908 124,873 131,315
45,086 43,625 41,237 40,551 36,795
246,724 232,857 213,055 196,520 194,027
86,425 88,200 86,067 83,265 86,110
78,274 77,281 73,630 70,223 67,210
10,697,616 9,905,600 9,531,171 9,038,254 8,403,166
1
5,848,424 5,304,275 4,854,228 4,579,256 4,220,635
9,818,988 9,104,688 8,825,863 8,361,983 7,770,759
1
6,539,254 6,005,070 5,724,489 5,545,366 5,284,059
866,607 793,247 698,405 671,143 629,142
2
0.99 1.00 0.96 0.91 0.89
3
9.87 9.34 8.60 8.23 7.67
(%)
0.77 0.80 0.80 0.81 0.87
2
10.35 11.20 11.36 11.40 12.22
4
1.57 1.58 1.51 1.51 1.78
5
28.29 30.11 31.50 31.85 30.90
1.67 1.47 1.49 1.50 1.50
143.87 171.77 173.13 154.73 153.61
6
1,021,246 911,256 817,549 790,381 723,961
6
727,611 689,489 634,807 609,454 568,131
6
134,610 100,057 60,025 59,975 59,920
6
159,025 121,710 122,717 120,952 95,910
6
6,695,462 6,144,459 5,690,542 5,646,313 5,163,250
(%)6 15.25 14.83 14.37 14.00 14.02
(%)6 12.88 12.85 12.21 11.86 12.16
(%)6 10.87 11.22 11.16 10.79 11.00
-2-
1. 2018
[2018]36
2. 9
2010
3.
4.
5.
6.
74,262,726,645 A
39,250,864,015 52.85% H 35,011,862,630 47.15%
1. 1
(%)
– 13,178,424,446 17.75 A
– 4,553,999,999 6.13 H
6,882,615 14,975,070,959 20.16 H
2, 6
2,3
– 13,886,417,698 18.70 H
2,4
– 3,105,155,568 4.18 A
– 1,405,555,555 1.89 H
– 2,222,588,791 2.99 A
– 1,246,591,087 1.68 A
5
– 808,145,417 1.09 A
5
– 745,305,404 1.00 A
– 663,941,711 0.89 A
(38,684,538) 651,507,280 0.88 A
-3-
1.
2.
H
H 249,218,915 7,649,786,777
H 13,886,417,698 1,405,555,555
3. (HSBC Holdings plc)
H 14,135,636,613
19.03%
249,218,915 2007
H
4. 1,970,269,383 A
H 7,649,786,777
7,027,777,777 622,009,000
A H
12,160,497,900 16.37%
5.
6.
7.
-4-
2. XV
336
A
A 1
(%) (%)
13,178,424,4462 33.57 17.75
3,105,155,5683 7.91 4.18
H
H 1
(%) (%)
9,055,342,3323 25.86 12.19
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. H 9,055,342,332
12.19% A 3,105,155,568
4.18%
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
-5-
1.
(%)
– 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
2,000,000 20,000,000 4.44
– 18,000,000 4.00
– 15,000,000 3.33
– 15,000,000 3.33
1.
2.
3.
-6-
2.
2020 3 27
136,111,111 5%
122,500,000 10%
13,611,111 2020
7 29 3.9%
1,755,000,000 2020 9 7
2020 9 7 1,755,000,000 3.9%
2020 7 29 136,111,111 5.0%
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%
3.
2015 7 24.5
2020 3 27
2020 6
24.5
2020 7 29
25.725
-7-
22
37
9 32
2020
782.74 1.28% 2,467.24
5.96% 1,533.36 6.42%
450.86 3.35% 1.57%
28.29% 1.82
10.70
8.00% 5.85 5,441.49
10.26% 941.02 6.54
5,341.84 8.90% 2,536.03
1.67%
0.20 562.69 71.88
14.65% 143.87%
-8-
1.
1
864.25 17.75
2.01%
101.05 19.45%
2020 2019 (%)
153,336 144,083 6.42
93,388 88,774 5.20
45,086 43,625 3.35
246,724 232,857 5.96
(62,059) (51,954) 19.45
(484) (270) 79.26
(15,729) (11,432) 37.59
(82,027) (81,001) 1.27
(66,004) (66,560) (0.84)
86,425 88,200 (2.01)
(6,855) (10,138) (32.38)
79,570 78,062 1.93
2020
% (%)
153,336 62.15 6.42
45,086 18.27 3.35
13,844 5.61 (13.13)
1,177 0.48 276.04
222 0.09 (46.38)
15,170 6.15 29.80
17,889 7.25 6.49
246,724 100.00 5.96
-9-
2
1,533.36 92.53
62.15%
2020 1 12 2019 1 12
(%) (%)
788,180 10,770 1.37 810,744 11,691 1.44
811,543 16,180 1.99 820,846 24,167 2.94
5,522,008 251,468 4.55 4,969,586 242,948 4.89
2,672,875 90,683 3.39 2,498,842 88,647 3.55
9,794,606 369,101 3.77 9,100,018 367,453 4.04
947,106 812,366
10,741,712 9,912,384
6,325,312 139,142 2.20 5,919,435 139,153 2.35
2,053,415 46,653 2.27 2,027,770 57,650 2.84
1,037,751 29,970 2.89 764,402 26,567 3.48
9,416,478 215,765 2.29 8,711,607 223,370 2.56
1,325,234 1,200,777
10,741,712 9,912,384
153,336 144,083
1
1.48 1.48
2
1.57 1.58
1,3
1.69 1.67
2,3
1.77 1.77
- 10 -
1.
2.
3.
6.42% 1.48%
1.57% 1
2020
% 1-3 4-6 7-9 10-12
1.45 1.44 1.54 1.47
1.55 1.52 1.61 1.58
1.65 1.65 1.75 1.69
1.75 1.73 1.82 1.79
- 11 -
2020 2019
(325) (596) (921)
(274) (7,713) (7,987)
27,013 (18,493) 8,520
6,178 (4,142) 2,036
32,592 (30,944) 1,648
9,538 (9,549) (11)
728 (11,725) (10,997)
9,513 (6,110) 3,403
19,779 (27,384) (7,605)
12,813 (3,560) 9,253
92.53
128.13
35.60
3,691.01 16.48
0.45%
68.13% 24.57%
2.92%
A.
2,514.68
85.20 3.51%
5,524.22
- 12 -
2020 1 12 2019 1 12
(%) (%)
3,531,559 151,301 4.28 3,124,000 145,053 4.64
1,251,162 49,603 3.96 1,168,636 50,912 4.36
2,280,397 101,698 4.46 1,955,364 94,141 4.81
1,797,028 94,684 5.27 1,632,315 90,667 5.55
493,737 31,033 6.29 454,968 34,307 7.54
1,303,291 63,651 4.88 1,177,347 56,360 4.79
193,421 5,483 2.83 213,271 7,228 3.39
5,522,008 251,468 4.55 4,969,586 242,948 4.89
B.
906.83 20.36
2.30%
1,740.33
C.
107.70
9.21 7.88%
7
D.
161.80 79.87 33.05%
95
- 13 -
2,157.65 76.05
3.40%
A.
1,391.42 0.11 0.01%
64.49%
2020 1 12 2019 1 12
(%) (%)
4,236,366 89,749 2.12 4,016,938 92,749 2.31
1,867,106 17,401 0.93 1,761,404 17,087 0.97
2,369,260 72,348 3.05 2,255,534 75,662 3.35
2,088,946 49,393 2.36 1,902,497 46,404 2.44
811,519 6,593 0.81 701,742 5,057 0.72
1,277,427 42,800 3.35 1,200,755 41,347 3.44
6,325,312 139,142 2.20 5,919,435 139,153 2.35
B.
466.53 109.97 19.08%
57
C.
299.70
34.03 12.81%
2,733.49
- 14 -
3
450.86 14.61
3.35%
2020 2019 (%)
20,107 21,050 (4.48)
16,889 14,400 17.28
4,200 3,098 35.57
3,706 4,337 (14.55)
2,617 2,520 3.85
1,531 2,024 (24.36)
248 240 3.33
49,298 47,669 3.42
(4,212) (4,044) 4.15
45,086 43,625 3.35
- 15 -
4
660.04 5.56
28.29% 1.82
28.29% 2
2020 2019 (%)
22,638 22,291 1.56
9,829 10,994 (10.60)
25,649 25,170 1.90
7,888 8,105 (2.68)
66,004 66,560 (0.84)
5
625.43 103.19
19.76% 562.69 71.88
14.65%
6
68.55 32.83
32.38% 7.93% 25%
- 16 -
2.
1
106,976.16 7,920.16
8.00%
2020 12 31 2019 12 31
(%) (%)
5,720,568 53.48 5,183,653 52.34
3,237,337 30.26 3,005,843 30.34
817,561 7.64 760,185 7.67
571,130 5.34 648,488 6.55
351,020 3.28 307,431 3.10
10,697,616 100.00 9,905,600 100.00
- 17 -
2020 12 31 2019 12 31 2018 12 31
(%) (%) (%)
3,707,471 63.39 3,346,476 63.09 3,061,915 63.08
1,251,162 21.39 1,189,543 22.43 1,170,200 24.11
2,456,309 42.00 2,156,933 40.66 1,891,715 38.97
1,980,882 33.87 1,754,765 33.08 1,635,627 33.69
1,293,773 22.12 1,135,428 21.41 1,007,528 20.75
464,110 7.94 467,387 8.81 505,190 10.41
222,999 3.81 151,950 2.86 122,909 2.53
160,071 2.74 203,034 3.83 156,686 3.23
5,848,424 100.00 5,304,275 100.00 4,854,228 100.00
58,484.24
5,441.49 10.26%
5,748.52 12.33%
37,074.71 3,609.95
10.79% 0.30
63.39% 616.19
2,993.76 42.00%
19,808.82 2,261.17
12.89% 0.79
33.87% 1,583.45
13.95% 22.12%
32.77 0.70%
429.63 21.16%
- 18 -
2020 12 31 2019 12 31
(%) (%)
1,812,785 31.00 1,844,304 34.77
990,248 16.93 943,076 17.78
3,045,391 52.07 2,516,895 47.45
2,191,847 37.48 1,926,508 36.32
853,544 14.59 590,387 11.13
5,848,424 100.00 5,304,275 100.00
2020 12 31 2019 12 31
134,052 125,540
56,269 49,081
(683) (1,329)
(53,828) (41,983)
5,052 2,688
(301) 55
140,561 134,052
- 19 -
32,373.37
2,314.94 7.70%
2020 12 31 2019 12 31
% %
2,787,701 86.11 2,585,678 86.02
449,636 13.89 420,165 13.98
3,237,337 100.00 3,005,843 100.00
2020 12 31 2019 12 31
% %
482,588 14.91 406,498 13.52
2,019,529 62.38 1,929,689 64.20
735,220 22.71 669,656 22.28
3,237,337 100.00 3,005,843 100.00
27,877.01
2,020.23 7.81%
- 20 -
2020 12 31 2019 12 31
(%) (%)
2,057,685 73.81 1,788,034 69.15
26,940 0.97 29,797 1.15
552,765 19.83 634,303 24.53
150,311 5.39 133,544 5.17
2,787,701 100.00 2,585,678 100.00
5,527.65
2,005.90 3,521.75
36.29% 63.71%
(%)
2018 6,903 4.99 24/01/2023 1.03
2018 6,420 4.82 24/01/2021 0.95
2017 6,330 4.39 08/09/2027 0.91
2017 5,680 4.44 09/11/2022 0.84
2018 5,000 4.98 12/01/2025 0.75
2018 4,420 4.83 22/01/2021 0.66
2018 4,400 4.97 29/01/2023 0.66
2018 3,500 4.45 27/04/2028 -
2016 3,333 3.33 22/02/2026 0.49
2017 3,330 4.30 21/08/2024 0.48
- 21 -
2020 12 31 2019 12 31
1,109 907
(142) (148)
967 759
2
98,189.88 7,143.00
7.85% 5,341.84
8.90% 66.60% 0.64
1,165.91
6.12% 18.20% 2.71
65,392.54 5,341.84 8.90%
66.39% 0.75
33.52% 0.72
43.09% 0.18
56.82% 0.15
2020 12 31 2019 12 31 2018 12 31
(%) (%) (%)
4,341,524 66.39 4,031,784 67.14 3,944,098 68.90
2,005,934 30.67 1,835,688 30.57 1,748,857 30.55
2,335,590 35.72 2,196,096 36.57 2,195,241 38.35
2,192,231 33.52 1,969,922 32.80 1,776,488 31.03
812,534 12.42 762,669 12.70 687,393 12.01
1,379,697 21.10 1,207,253 20.10 1,089,095 19.02
5,499 0.09 3,364 0.06 3,903 0.07
6,539,254 100.00 6,005,070 100.00 5,724,489 100.00
- 22 -
3
8.
10.
3.
3,071.20
1,393.85
1,493.98 2,319.43
945.91 127.83
882.77 15.49
- 23 -
4.
1
2020 2019
(%) 1
(%) (%) 1
(%)
37,936 43.89 88,342 35.81 34,369 38.96 75,929 32.61
9,448 10.93 20,069 8.13 10,205 11.57 17,916 7.69
11,725 13.57 27,112 10.99 8,151 9.24 24,097 10.35
16,081 18.61 34,035 13.79 15,132 17.16 31,081 13.35
12,216 14.13 19,771 8.01 8,107 9.19 19,302 8.29
283 0.33 6,563 2.66 (2,002) (2.27) 6,177 2.65
8,453 9.78 13,856 5.62 8,932 10.13 14,558 6.25
(9,717) (11.24) 36,976 14.99 5,306 6.02 43,797 18.81
86,425 100.00 246,724 100.00 88,200 100.00 232,857 100.00
1.
2.
3.
4.
2
2020 12 31 2019 12 31
(%) (%) (%) (%)
1,786,446 27.31 1,576,465 26.96 1,657,282 27.58 1,434,280 27.04
768,470 11.75 701,865 12.00 664,151 11.06 572,226 10.79
1,348,298 20.62 831,454 14.22 1,216,551 20.26 740,248 13.96
1,072,501 16.40 958,527 16.39 983,484 16.38 827,110 15.59
734,423 11.23 680,088 11.63 694,097 11.56 585,712 11.04
330,087 5.05 232,864 3.98 306,599 5.11 212,871 4.01
495,356 7.58 359,368 6.14 465,096 7.75 391,517 7.38
3,673 0.06 507,793 8.68 17,810 0.30 540,311 10.19
6,539,254 100.00 5,848,424 100.00 6,005,070 100.00 5,304,275 100.00
- 24 -
3
2020 2019
% %
246,724 100.00 232,857 100.00
115,330 46.74 107,616 46.22
113,730 46.10 103,631 44.50
15,892 6.44 19,908 8.55
1,772 0.72 1,702 0.73
86,425 100.00 88,200 100.00
45,310 52.43 40,177 45.56
28,945 33.49 30,433 34.50
11,792 13.64 17,537 19.88
378 0.44 53 0.06
- 25 -
5.
2014
2018
15.25% 12.88% 10.87%
727,611 614,452
862,221 747,744
1,021,246 900,694
(%) 10.87 10.21
(%) 12.88 12.42
(%) 15.25 14.96
1.
2.
2020
- 26 -
6.
7.50%
2020 12 31 2020 9 30 2020 6 30 2020 3 31
862,221 821,274 801,083 808,639
11,502,604 11,616,142 11,459,393 11,262,732
(%) 7.50 7.07 6.99 7.18
1.
37,074.71 10.79%
13.88%
43,415.24 7.68%
9.27%
1
B-G-C e
e e e
e
e 78%
4
10.28 6.44%
+
- 27 -
2
+ +
5,100 1,800
27.07%
3
745
4,758.83 51.19% 18
113
727.35 68.69% 65%
2020
2020
4
e
2,607.53
968.02 59.04% 752.84
15.84 5.4
51.72% 1.91% 1.31
- 28 -
4.08% 96
2,766
334.89
30.58% 348.24
21.97%
5
30
10.33
9.97%
379.36 43.89%
4.93
e
2020 85% 2020 12
APP
- 29 -
1,421.85 26.13% 7
12.73% 2.47
84
500
200
100
2020
2.82 712
108.48 25.02
+
+
5,100
1,800 27.07%
EASY EASY EASY
EASY
3,326.59 6.67% 235.23
36.43% 40.58
- 30 -
21 106
NRA FT
12
80
70%
2.
21,922.31 11.29%
19,808.82 12.89%
13.95%
1 AUM
+
+ +
1.79 3.34%
50 600 173.72
15.50% (AUM)
38,955.66 4,492.51 13.04%
50 AUM 26,026.45
19.24% AUM 66.81% 3.70
AUM 17,897.50 16.96%
- 31 -
2
+ +
24.40% AUM 63.94% AUM
76.34
35.18%
2,388.17
90.30% AUM
19.86
216.17%
AUM 8,788.9 15.55%
33.93 17.34%
3
H5
12,937.73
13.95%
75.18% 17 1
0.45 515
1,227.60 827.74
4.15 211.19
1 17
- 32 -
4
5
6.11
21.67% 8,338.01
25.93% 2
5
API
PLUS
7,266 54.69%
7.65
10
29,042.49
9% 308.38
1.5
4,640.13 2.27%
19,719.18 15,923.90
686.35
2 工行 、農行 、中行 、建行 、交行 、招行 。
- 33 -
+
(AUM)
2018-2020 6.11% 12.71% 13.04%
AUM
2018 41.57% 2020 63.94%
2017-
2019
+ +
+
APP 2020
- 34 -
3.
1,165.91
6.12% 18.20% 2.71
6,540.38
75.66% 29
32,373.37 7.70%
3.39%
1
1,550 420
98% 98% QFII/RQFII
104.64
799.9
CIPS 2020
2
30% 53.54
1.33 4.40
2.21
3,627 3,835
- 35 -
500
7,367 10
2,508
2,773
256
250 33
7
FDR001
(DVP)
3
10,938.35 1,979.15
22.09% 5,727.63
2,982.16 108.62% 52.36%
21.72
5,746.45 31.78%
T+0
300
- 36 -
6+1
2,326.70
327.28 16.37% 1,836.87
644.23 54.02%
163.56%
17.6%
- 37 -
4.
3
82.03
47.51% 10.48% 3.28
4,956.44 16.69%
4.63% 0.34
2007 12
140
30
3,092.72 317.99 32.02
7% 2,687.66
1,666.47 264 386
38
2007 10 57.65
85% 15%
(QDII)
187.01 (AUM)6,493.25
12.18 7%
3
- 38 -
2005 8 2
65% 30% 5%
60.18 47.38
12.60 114%
2/80 5/93
200% 14 100%
3,395 54.25%
2019 6
80
88.74 87.42 6.65
647%
5,337.97 384.37%
3,178.66 59.55%
914.22 17.13%
2010 1 51
62.50% 37.50%
715.01 69.53
10.35 4
29%
172.25
20.10%
2017 12
100
490.38
113.60 12.35 610%
76 430.19
36.87% ROAE
ROAA
4 IFRS9 IAS39
- 39 -
1998 6 2007
5 2017 5 19
73.14%
233.60 77.8
8.51 70%
2000 11
4 17
7.69 5.55
1,280 20%
12.87% 12.62%
45.80% 5
5.
23 18
61.09 3.99%
7.80% 0.43
12,409.92
6.61% 11.60% 0.15
1
EASY EASY EASY EASY
3,326.59
6.67% 235.23 36.43%
40.58
5 2020
- 40 -
2
18
23 69
2020
125 1,004
31 108
256 31 62
26 81
3
CIPS
2.03
4
12,073.28
117.44
2020
- 41 -
1+1
4
16 35
2020 515.7
(RES)
16
6.
1
(MAU)3,102.90
39.88% APP
84.70% 38.23%
2 App
+
APP
APP 6,528.37
2,421.82
79.72% 42.15%
- 42 -
APP
633
7 6
3
158.98%
159.66%
2
22.7 100%
98.08% 2019 A
2020 3.15
7.
57.24 13.45%
2.85% 0.28
3,976 4.38%
3,190 3.52%
1
- 43 -
2
e
400
85% 60
(MAU)3,102.90 39.88% APP
(MAU)2,421.82 APP 2020
7
2020 (CFCA)
e
+
95559
4.7 70
3
1
75% 75%
40% 59
4 1.8
95%
- 44 -
4
N
1+1+N
1
5
70%
300 600
70 RPA
90%
32 49
IPV6 IPV6
TMMi (TMMi)
2021
2020
6
100%
120
7*24
2
- 45 -
1.
2.
3.
- 46 -
829.11
196.21 538.28
141.44
976.98 1.67% 196.55
0.20
2020 12 31 2019 12 31 2018 12 31
% % %
5,668,199 96.92 5,111,715 96.37 4,662,605 96.06
82,527 1.41 114,517 2.16 119,111 2.45
5,750,726 98.33 5,226,232 98.53 4,781,716 98.51
52,652 0.90 16,963 0.32 13,711 0.28
26,713 0.46 42,508 0.80 38,456 0.79
18,333 0.31 18,572 0.35 20,345 0.42
97,698 1.67 78,043 1.47 72,512 1.49
5,848,424 100.00 5,304,275 100.00 4,854,228 100.00
- 47 -
2020 12 31 2019 12 31
(%) (%) (%) (%)
71,677 1.93 60,851 1.64 101,987 3.05 60,022 1.79
10,841 0.55 29,264 1.48 12,280 0.70 30,472 1.74
2,395 0.19 7,132 0.55 2,380 0.21 6,214 0.55
7,684 1.66 18,245 3.93 9,449 2.02 20,589 4.41
204 0.17 1,648 1.36 97 0.17 1,685 3.03
558 0.55 2,239 2.19 354 0.37 1,984 2.06
9 0.01 88 0.05 250 0.12 26 0.01
82,527 1.41 90,203 1.54 114,517 2.16 90,520 1.71
716.77 303.10
1.93% 1.12 608.51
8.29 1.64% 0.15
108.41 14.39
0.55% 0.15 292.64
12.08 1.48% 0.26
2020 12 31 2019 12 31
(%) (%) (%) (%)
3,707,471 63.39 78,830 2.13 3,346,476 63.09 59,443 1.78
1,980,882 33.87 18,773 0.95 1,754,765 33.08 18,574 1.06
1,293,773 22.12 4,849 0.37 1,135,428 21.41 4,038 0.36
464,110 7.94 10,558 2.27 467,387 8.81 11,135 2.38
120,985 2.07 1,542 1.27 55,560 1.05 1,647 2.96
102,014 1.74 1,824 1.79 96,390 1.81 1,754 1.82
160,071 2.74 95 0.06 203,034 3.83 26 0.01
5,848,424 100.00 97,698 1.67 5,304,275 100.00 78,043 1.47
- 48 -
2020 12 31 2019 12 31
(%) (%) (%) (%)
3,707,471 63.39 78,830 2.13 3,346,476 63.09 59,443 1.78
708,649 12.12 9,738 1.37 637,943 12.03 8,665 1.36
658,203 11.25 29,301 4.45 601,143 11.33 24,711 4.11
577,500 9.87 10,876 1.88 508,863 9.59 2,428 0.48
334,399 5.72 234 0.07 284,797 5.37 124 0.04
348,185 5.95 4,711 1.35 264,495 4.99 877 0.33
204,856 3.50 9,823 4.80 221,381 4.17 11,601 5.24
221,313 3.78 2,156 0.97 215,642 4.07 1,210 0.56
135,732 2.32 3,683 2.71 135,998 2.56 2,099 1.54
125,367 2.14 2,625 2.09 117,555 2.22 2,999 2.55
118,702 2.03 10 0.01 107,865 2.03 11 0.01
112,961 1.93 2,908 2.57 96,875 1.83 728 0.75
85,570 1.48 1,075 1.26 93,314 1.76 2,515 2.70
34,886 0.60 701 2.01 32,259 0.61 1,051 3.26
41,148 0.70 989 2.40 28,346 0.53 424 1.50
1,980,882 33.87 18,773 0.95 1,754,765 33.08 18,574 1.06
160,071 2.74 95 0.06 203,034 3.83 26 0.01
5,848,424 100.00 97,698 1.67 5,304,275 100.00 78,043 1.47
2.60% 0.5
- 49 -
2020 12 31 2019 12 31
(%) (%) (%) (%)
1,576,465 26.96 20,932 1.33 1,434,280 27.04 12,836 0.89
701,865 12.00 7,332 1.04 572,226 10.79 6,056 1.06
831,454 14.22 17,058 2.05 740,248 13.96 9,646 1.30
958,527 16.39 18,005 1.88 827,110 15.59 11,369 1.37
680,088 11.63 9,220 1.36 585,712 11.04 11,951 2.04
232,864 3.98 10,998 4.72 212,871 4.01 13,826 6.50
359,368 6.14 3,586 1.00 391,517 7.38 1,213 0.31
507,793 8.68 10,567 2.08 540,311 10.19 11,146 2.06
5,848,424 100.00 97,698 1.67 5,304,275 100.00 78,043 1.47
北
2020 12 31 2019 12 31
(%) (%)
3 25,480 0.44 28,923 0.55
3 1 34,145 0.58 28,618 0.53
1 3 25,916 0.44 23,661 0.45
3 4,662 0.08 9,318 0.18
90,203 1.54 90,520 1.71
60
90 66%
902.03 3.17
1.54% 0.17 90 647.23
31.26
- 50 -
% 2020 2019 2018
1.84 1.71 1.85
46.59 29.76 30.01
25.48 42.76 88.62
19.92 10.92 15.36
3.71%
15.75%
2020 12 31
%
A 37,927 0.64
B 25,700 0.44
C 17,866 0.31
D 13,677 0.23
E 12,864 0.22
F 12,000 0.21
G 10,589 0.18
H 10,236 0.18
I 10,015 0.17
J 10,000 0.17
160,874 2.75
- 51 -
4.
(VaR) (SVaR) 1
10 99%
5.
- 52 -
2020 2019 2018
12 31 12 31 12 31
(%) ≥25 69.24 72.92 68.73
30
30
2,000
100% 2020
132.33%
92 0.88
- 53 -
2,000
100% 2020
109.01% 0.76
2020 110.60% 1.58
6.
7.
8.
- 54 -
9.
IT
2020
10.
1.
- 55 -
2.
FinTech
3.
4.
2021
2021
- 56 -
2021
100
e
- 57 -
1.
90,716 84,740
2,591 3,385
2,498
29,742
557 0.66% 15,791
18.63% 13,394 15.81%
11,774 13.89% 59,581 70.31%
13,385 15.80%
%
28,695 33.86
25,672 30.30
7,778 9.18
6,734 7.95
5,698 6.72
2,809 3.31
1,383 1.63
5,971 7.05
84,740 100.00
- 58 -
(%) (%) (%)
2,641,386 24.69 719 23.98 25,539 29.24
920,887 8.61 323 10.77 9,262 10.61
1,543,501 14.43 490 16.35 13,494 15.45
1,194,919 11.17 553 18.45 13,777 15.78
822,759 7.69 485 16.18 10,795 12.36
384,627 3.60 358 11.94 8,703 9.96
1,114,676 10.42 69 2.30 2,591 2.97
4,187,998 39.15 1 0.03 3,170 3.63
(2,113,137) (19.76) – – – –
10,697,616 100.00 2,998 100.00 87,331 100.00
- 59 -
2.
3.
4
1
e
133
17 90
26
4.
2020-2024
200
FinTech
60 4
7
2020 7 24.5
- 60 -
2020 1 16
2020 7 7
2020 12 31
A 0 0 0
H 100,000 100,000 200,000
A 0 0 0
H 49,357 0 49,357
A 60,000 30,000 90,000
H 20,000 0 20,000
A 0 30,000 30,000
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
- 61 -
A 0 0 0
H 50,000 0 50,000
A 0 0 0
H 30,000 0 30,000
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 40,000 0 40,000
H 20,000 0 20,000
A 25,000 30,000 55,000
H 0 0 0
A 50,000 0 50,000
H 30,000 0 30,000
A 45,000 0 45,000
H 20,000 0 20,000
2021 1 A 30,000 2020 12
A 30,000
H 98
XV
XV
352
- 62 -
74,262,726,645
A H 0.317
235.41 2021 6 29
2020
2021 5 29 2021 6 29
H 2020
H 2021 5 28
H
183 17
1712-1716
2020 2021 7 13
2021 7 12 A
2021 8 3 2021 7 12
H
2021 7 7 7 12
H H
H 2021
7 6 H
183 17 1712-1716
- 63 -
12 31
2020 2019
369,101 367,453
(215,765) (223,370)
153,336 144,083
49,298 47,669
(4,212) (4,044)
45,086 43,625
13,844 15,936
1,177 313
27 (281)
222 414
15,170 11,687
17,889 16,799
(62,059) (51,954)
(484) (270)
(15,729) (11,432)
(82,027) (81,001)
86,425 88,200
(6,855) (10,138)
79,570 78,062
- 64 -
12 31
2020 2019
19 (335)
(183) (378)
(920) 3,715
(825) (395)
(1,362) (156)
815 147
(4,776) 1,141
(8) 18
(7,240) 3,757
(1,204) (560)
(132) (20)
7 25
20 –
(1,309) (555)
(8,549) 3,202
71,021 81,264
- 65 -
12 31
2020 2019
78,274 77,281
1,296 781
79,570 78,062
69,960 80,414
1,061 850
71,021 81,264
( ) 0.99 1.00
- 66 -
2020 2019
12 31 12 31
817,561 760,185
571,130 648,488
54,212 20,937
5,720,568 5,183,653
482,588 406,498
2,019,529 1,929,689
735,220 669,656
4,681 4,600
169,471 171,179
27,991 24,065
94,665 86,650
10,697,616 9,905,600
1,787,491 1,904,082
29,279 26,980
55,942 26,424
6,607,330 6,072,908
634,297 498,991
3,786 7,086
1,286 918
497,755 403,918
201,822 163,381
9,818,988 9,104,688
- 67 -
2020 2019
12 31 12 31
74,263 74,263
133,292 99,870
44,952 59,876
88,340 39,994
111,428 113,663
333,176 328,310
214,448 177,141
866,607 793,247
8,763 7,665
3,258 –
12,021 7,665
878,628 800,912
10,697,616 9,905,600
- 68 -
2020 1 1 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
– – – – – – – – – – – – – 78,274 78,274 1,231 65 79,570
– – – – – – – (2,938) 7 (547) (4,716) (132) 12 – (8,314) (35) (200) (8,549)
– – – – – – – (2,938) 7 (547) (4,716) (132) 12 78,274 69,960 1,196 (135) 71,021
– (14,924) 48,346 (2,201) – – – – – – – – – – 31,221 – 3,458 34,679
– – – – – – – – – – – – – (23,393) (23,393) (132) – (23,525)
– – – – – – – – – – – – – (2,714) (2,714) – – (2,714)
– – – – – – – – – – – – – (1,680) (1,680) – – (1,680)
– – – – – – – – – – – – – – – – (65) (65)
– – – – 7,534 77 5,596 – – – – – – (13,207) – – – –
– – – – – – – (27) – – – – – 27 – – – –
– – – (34) – – – – – – – – – – (34) 34 – –
2020 12 31 74,263 44,952 88,340 111,428 72,431 139,930 123,163 456 12 (532) (3,517) (142) 1,375 214,448 866,607 8,763 3,258 878,628
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
- 69 -
12 31
2020 2019
86,425 88,200
62,059 51,954
484 270
15,495 9,115
14,776 13,982
32 50
(166) (287)
(90,683) (88,647)
(1,369) (1,467)
(5,951) 1,027
(222) (414)
(1,177) (313)
14,566 11,519
94,269 84,989
29,357 41,487
127,404 160,720
(83,695) (24,219)
(597,926) (491,230)
7,907 (27,120)
(113,503) (239,042)
8,899 3,491
669,890 414,859
19,878 2,220
(328) 21
(12,754) (8,721)
149,398 (82,545)
- 70 -
12 31
2020 2019
(838,096) (705,173)
671,877 565,819
1,562 537
89,464 86,428
(2,735) (1,822)
372 350
(21,414) (30,554)
4,379 2,607
(94,591) (81,808)
51,804 39,994
177,486 168,271
(2,415) (2,652)
(80,476) (84,176)
(13,050) (9,688)
(27,785) (24,940)
(17,125) –
(162) (81)
88,277 86,728
(3,699) 1,868
139,385 (75,757)
167,735 243,492
307,120 167,735
285,937 283,899
(205,169) (233,397)
- 71 -
1
622
1.1
1
8
3
9
39
7
16
1 8
1 8
1
- 72 -
3
2020 1 1
- 73 -
9 39 7
9
39 7
(IBOR)
IBOR
IBOR
IBOR
16
16
8
- 74 -
1.2
9 2021 1 1
39
7
4
16
10 2016
28 1 1
16 2022 1 1
17 2023 1 1
3 2022 1 1
37 2022 1 1
1 2022 1 1
9 2018-2020
16
41
9 39 7
4 16
9
39 7 4
16
2021 1 1
IBOR
9
- 75 -
9 B5.4.5 IBOR
IBOR
7
10 28
10 28
16
IAS 16
- 76 -
17
2017 5 17
4
9
17
2020 6 25 17
4
9
17
17
17 2023 1 1
4
9 2023 1 1
- 77 -
17
3
(2018)
3
3
37 21
(2018)
37
- 78 -
37
2018-2020
2018-2020
9
10%
16
1
1
41
17
- 79 -
2
12 31
2020 2019
251,468 242,948
90,683 88,647
16,180 24,167
10,770 11,691
369,101 367,453
(139,142) (139,153)
(46,653) (57,650)
(15,404) (15,048)
(14,566) (11,519)
(215,765) (223,370)
153,336 144,083
1,369 1,467
- 80 -
3
12 31
2020 2019
20,107 21,050
16,889 14,400
3,706 4,337
4,200 3,098
2,617 2,520
1,531 2,024
248 240
49,298 47,669
12 31
2020 2019
1,342 943
3,458 3,541
- 81 -
4
12 31
2020 2019
225 (731)
55,303 49,749
(12) (346)
4,874 1,434
(129) (120)
316 (160)
855 1,610
627 518
62,059 51,954
5
12 31
2020 2019
485 233
(1) 37
484 270
- 82 -
6
12 31
2020 2019
8,247 11,789
630 1,059
577 680
9,454 13,528
(2,599) (3,390)
6,855 10,138
25% 2019 25%
25% 2019 25%
12 31
2020 2019
86,425 88,200
25% 21,606 22,050
(152) (206)
(1)
3,644 3,094
(2)
(17,393) (15,231)
(430) 431
(420) –
6,855 10,138
(1)
(2)
- 83 -
7
12 31
2020 2019
78,274 77,281
(2,714) (2,671)
(1,680) –
73,880 74,610
74,263 74,263
0.99 1.00
27.14
2020 12 31
2020 12 31
2020 12 31
16.80
- 84 -
8
- 85 -
2020 12 31
2,435,423 44,435 (40,914)
3,101,818 9,777 (15,028)
5,537,241 54,212 (55,942)
2019 12 31
2,173,598 15,784 (20,423)
3,826,987 5,153 (6,001)
6,000,585 20,937 (26,424)
2020 2019
12 31 12 31
3,772,066 4,442,337
1,387,805 1,209,161
247,659 204,007
129,711 145,080
5,537,241 6,000,585
- 86 -
2020 12 31
139,555 184 (4,689)
58,382 268 (1,901)
197,937 452 (6,590)
2019 12 31
121,791 295 (1,794)
29,379 130 (168)
151,170 425 (1,962)
(a)
- 87 -
12 31
2020 2019
(4,314) (2,504)
4,462 2,250
148 (254)
(b)
2020 12 31
17.61 2019 12 31
2.10
10.85 2019 12 31
1.96
(c)
2020 12 31
- 88 -
9
12 31
2020 2019
23,393 22,279
2,714 2,671
(1)
(2) 10%
(3)
(4)
2020 3 27
2020 7 29 5%
1.36
2020 9 7 3.9%
17.55
2020 6 30 2019 2019 12 31
742.63 A H
0.315 233.93
2020 9 20 2019 16.80
2021 3 26 2021
68.97 64.32 2020 12
31 74,263 ( 1
A H 0.317 ( )
235.41
- 89 -
10
2020 2019
12 31 12 31
333,610 268,812
163,151 139,948
319,076 271,507
800,441 736,039
1 5,111 20,459
1 55,323 35,405
1,676,712 1,472,170
2020 2019
12 31 12 31
62,224 60,310
- 90 -
2020 2019
12 31 12 31
1 1 13,074 13,496
1 2 2 12,622 12,818
2 3 3 12,220 12,176
3 5 5 22,062 22,920
5 36,562 42,024
96,540 103,434
2020 12 31
815.48 2019 12 31 837.77
2020 12 31
2019 12 31
- 91 -
2020 2019
12 31 12 31
3,876 5,011
1,032 1,029
11
(1)
(2)
(3)
(4)
(5)
(6)
- 92 -
(7)
(8)
- 93 -
2020 12 31
71,200 29,851 34,229 43,754 29,300 9,248 23,605 127,914 369,101
(48,338) (19,692) (34,843) (23,729) (15,170) (9,089) (14,820) (50,084) (215,765)
22,627 6,175 21,372 7,612 2,313 5,166 19 (65,284) –
45,489 16,334 20,758 27,637 16,443 5,325 8,804 12,546 153,336
11,988 3,127 4,963 5,355 2,799 1,067 2,802 17,197 49,298
(2,157) (47) (71) (69) (25) (19) (226) (1,598) (4,212)
9,831 3,080 4,892 5,286 2,774 1,048 2,576 15,599 45,086
3,067 171 253 485 57 16 (346) 10,141 13,844
507 – – – – – 2,420 (1,750) 1,177
15,103 – – – – – 67 – 15,170
– – – – – – 50 172 222
14,345 484 1,209 627 497 174 285 268 17,889
88,342 20,069 27,112 34,035 19,771 6,563 13,856 36,976 246,724
(8,368) (4,245) (7,200) (9,483) (1,673) (3,028) (1,156) (26,906) (62,059)
(486) – 1 – – (4) 5 – (484)
(15,699) – – – – – (30) – (15,729)
(25,853) (6,376) (8,188) (8,471) (5,882) (3,248) (4,222) (19,787) (82,027)
37,936 9,448 11,725 16,081 12,216 283 8,453 (9,717) 86,425
(6,855)
79,570
(1,779) (902) (1,114) (1,096) (945) (486) (488) (1,078) (7,888)
(19,236) (545) (760) (1,460) (561) (273) (193) (1,130) (24,158)
- 94 -
2019 12 31
67,117 25,271 31,944 38,731 26,227 8,829 33,580 135,754 367,453
(47,749) (18,260) (33,178) (21,794) (15,761) (8,710) (24,203) (53,715) (223,370)
21,262 7,711 19,642 8,294 5,474 4,799 (370) (66,812) –
40,630 14,722 18,408 25,231 15,940 4,918 9,007 15,227 144,083
10,136 2,952 4,208 5,043 2,703 1,056 3,166 18,405 47,669
(1,320) (66) (65) (44) (32) (16) (328) (2,173) (4,044)
8,816 2,886 4,143 4,999 2,671 1,040 2,838 16,232 43,625
2,416 28 341 388 87 50 342 12,284 15,936
114 – – – – – 487 (288) 313
11,647 – – – – – 40 – 11,687
– – – – – – 134 280 414
12,306 280 1,205 463 604 169 1,710 62 16,799
75,929 17,916 24,097 31,081 19,302 6,177 14,558 43,797 232,857
(6,224) (1,911) (7,576) (7,630) (4,807) (4,882) (86) (18,838) (51,954)
(230) 1 – (11) (15) 1 (16) – (270)
(11,424) – – – – – (8) – (11,432)
(23,682) (5,801) (8,370) (8,308) (6,373) (3,298) (5,516) (19,653) (81,001)
34,369 10,205 8,151 15,132 8,107 (2,002) 8,932 5,306 88,200
(10,138)
78,062
(1,675) (917) (1,188) (1,123) (965) (495) (608) (1,134) (8,105)
(29,082)
(29,082)
(450)(450)
(419)
(419)
(664)
(664)
(407)(407)
(263)(263)
(281)(281)
(810) (32,376)
(810) (32,376)
- 95 -
2020 12 31
2,641,386 920,887 1,543,501 1,194,919 822,759 384,627 1,114,676 4,187,998 (2,141,128) 10,669,625
4 – – 6 – – 203 4,468 – 4,681
27,991
10,697,616
(2,437,106) (908,645) (1,524,423) (1,162,723) (808,702) (385,778) (1,057,224) (3,674,229) 2,141,128 (9,817,702)
(1,286)
(9,818,988)
2019 12 31
2,293,215 778,331 1,350,485 1,080,193 759,509 344,260 1,100,225 4,029,095 (1,853,778) 9,881,535
4 – – 6 – – 431 4,159 – 4,600
24,065
9,905,600
(2,127,221) (766,612) (1,336,459) (1,052,611) (748,795) (346,410) (1,067,199) (3,512,241) 1,853,778 (9,103,770)
(918)
(9,104,688)
- 96 -
2020 12 31
61,605 49,328 42,341 62 153,336
20,409 16,782 (37,191) – –
82,014 66,110 5,150 62 153,336
15,571 28,044 1,314 157 45,086
3,585 1,964 8,218 77 13,844
– – 1,177 – 1,177
– – – 222 222
32 15,138 – – 15,170
14,128 2,474 33 1,254 17,889
115,330 113,730 15,892 1,772 246,724
(33,129) (28,215) (714) (1) (62,059)
(485) – – 1 (484)
(30) (15,699) – – (15,729)
(2,949) (4,433) (407) (99) (7,888)
(33,427) (36,438) (2,979) (1,295) (74,139)
45,310 28,945 11,792 378 86,425
(6,855)
79,570
(2,949) (4,433) (407) (99) (7,888)
(9,033) (13,574) (1,247) (304) (24,158)
- 97 -
2019 12 31
54,603 47,152 42,315 13 144,083
19,915 15,277 (35,192) – –
74,518 62,429 7,123 13 144,083
16,710 26,114 620 181 43,625
2,795 1,135 11,852 154 15,936
– – 313 – 313
– – – 414 414
2 11,685 – – 11,687
13,591 2,268 – 940 16,799
107,616 103,631 19,908 1,702 232,857
(31,794) (21,134) 975 (1) (51,954)
(233) – (10) (27) (270)
(8) (11,424) – – (11,432)
(2,917) (4,347) (406) (435) (8,105)
(32,487) (36,293) (2,930) (1,186) (72,896)
40,177 30,433 17,537 53 88,200
(10,138)
78,062
(2,917) (4,347) (406) (435) (8,105)
(11,650) (17,366) (1,623) (1,737) (32,376)
- 98 -
2020 12 31
4,192,292 2,067,778 4,346,218 63,337 10,669,625
– – – 4,681 4,681
27,991
10,697,616
(4,834,361) (2,313,457) (2,599,201) (70,683) (9,817,702)
(1,286)
(9,818,988)
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)
- 99 -
12
2020 12 31
176,216 – 320 – – – – 641,025 817,561
111,953 174,623 91,078 153,121 33,242 7,113 – – 571,130
– 9,718 11,570 22,283 9,068 1,573 – – 54,212
2,100 9,722 12,857 37,651 44,167 58,795 314 316,982 482,588
– 484,371 319,698 1,305,770 1,103,053 2,476,035 31,641 – 5,720,568
– 28,930 46,507 126,501 339,517 182,346 72 11,347 735,220
– 41,210 49,086 278,043 972,565 678,355 270 – 2,019,529
61,973 286 19 15,410 16,448 4,047 4,432 194,193 296,808
352,242 748,860 531,135 1,938,779 2,518,060 3,408,264 36,729 1,163,547 10,697,616
(664,483) (247,467) (268,704) (544,824) (48,745) (13,268) – – (1,787,491)
(2,199) (6,291) (5,722) (14,933) (134) – – – (29,279)
– (8,357) (10,798) (20,858) (12,210) (3,719) – – (55,942)
(2,826,643) (716,981) (560,281) (942,581) (1,560,842) (2) – – (6,607,330)
(68,467) (94,306) (235,723) (374,652) (367,189) (198,609) – – (1,338,946)
(3,561,792) (1,073,402) (1,081,228) (1,897,848) (1,989,120) (215,598) – – (9,818,988)
(3,209,550) (324,542) (550,093) 40,931 528,940 3,192,666 36,729 1,163,547 878,628
- 100 -
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
61,712 5 15 7,807 20,326 3,802 4,524 188,303 286,494
228,783 836,857 507,163 1,929,696 2,735,183 2,541,597 39,056 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)
(2,850,961) (150,168) (606,939) (351,566) 1,281,869 2,352,356 39,056 1,087,265 800,912
- 101 -
2020
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2020
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