:03328
02
03
04
07
08
10
13
13
27
40
47
48
2005
1987
1908
49
54
69
80
85
88
90
92
97
104
110
239
245
2020
2015
2007
2021 3 26 2020 15
15
2020 742.63
A H 0.317 235.41
2
e
H 3
Bank of Communications Co., Ltd. 202 2
11
22
188
188 A
200120 188
86-21-58766688 H
86-21-58798398 183
investor@bankcomm.com 17 1712 1716
www.bankcomm.com
20
A 9131000010000595XD
www.sse.com.cn
H
www.hkexnews.hk
A 601328
H 03328
1 360021
4
1908 1987 4 1
2005 6
2007 5
18 23
1+1
6
H 5
TOP TOP
2020 2020
1000 500
2020 1000 11 2020 500 162
2020
2020
2020
CFCA
2020
1
2020
TOP ,
2020
1 2021 3 31
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
1. 2018 [2018]36
2. 9 2010
3.
4.
5.
6.
H 7
2020
10 8%
1.28%
7.88%
2020
4,000
2
e
e
8
18%
2,134 2012 2017 1,460 13
800 6,655.30
99.63% 2019
H 9
2020
2020 10.7
8% 782.74 1.28%
5.96% 6.42% 3.35%
2020
5,441.49 10.26%
53.3% 50%
51.72% 15.50% 21.67% 2020
5,341.84 2,536.03 8.9%
2.29% 27
1.57%
(AUM) 3.9
AUM 35.18%
1
1
152% 5,337.97
384.37%
2020
829.11 31% 562.69
14.65%
18% 2020
2.85% 0.28
2020 531
1 40%
e
85% e
Easy APP
2020 (MAU) 5,500
H
12
2020
101.6 2.3%
1.75 1.5
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%
1.
864.25 17.75 2.01%
101.05 19.45%
H 13
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
2.
1,533.36 92.53
62.15%
14
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
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
H 15
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
1
3,691.01 16.48 0.45%
68.13% 24.57% 2.92%
A.
2,514.68
85.20 3.51% 5,524.22
16
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
2
2,157.65 76.05 3.40%
A.
1,391.42 0.11
0.01% 64.49%
H 17
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
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
18
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%
1.
106,976.16 7,920.16 8.00%
H 19
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
1
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%
20
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 2019
12 31 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
2
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
H 21
27,877.01 2,020.23 7.81%
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
22
3
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
H 23
3.
21.
40.
3,071.20 1,393.85
1,493.98 2,319.43
945.91 127.83
882.77 15.49
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
2
(9,717) (11.24) 36,976 14.99 5,306 6.02 43,797 18.81
3
86,425 100.00 246,724 100.00 88,200 100.00 232,857 100.00
1.
2.
3.
4.
24
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
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
H 25
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
7.50%
2020 2020 2020 2020
12 31 9 30 6 30 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
26
37,074.71 +10.79% 43,415.24 +7.68%
+9.27%
+13.88%
1.
B-G-C
e
e e e e
e 78%
4
10.28 6.44%
+
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
H 27
2,607.53 968.02 59.04%
752.84 15.84 5.4 51.72%
1.91% 1.31 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
1,421.85
26.13% 7 12.73% 2.47
84 500
200 100
28
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
21
106 NRA FT
12
80 70%
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
H 29
4,492.51 13.04% 50
AUM 26,026.45 19.24% AUM 66.81% 3.70
AUM 17,897.50 16.96%
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%
1
75.18% 17 0.45
515 1,227.60 827.74
4.15 211.19
4.
5
6.11 21.67%
2
8,338.01 25.93%
1 17
2
30
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
+
(AUM) 2018-2020 6.11%
12.71% 13.04% AUM 2018 41.57%
2020 63.94%
2017-2019
+ +
+
APP 2020
H 31
1,165.91 -6.12% 32,373.37 +7.70%
18.20% -2.71 3.39%
6,540.38 75.66% 29
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
500 7,367
10
2,508 2,773
256
250 33
7
FDR001 (DVP)
32
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
6+1
2,326.70 327.28 16.37%
1,836.87 644.23 54.02%
163.56% 17.6%
1
82.03 +47.51% 4,956.44 +16.69%
10.48% +3.28 4.63% +0.34
1
1
H 33
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%
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
1
10.35 29%
172.25 20.10%
2017 12 100
490.38
113.60 12.35 610%
76 430.19
36.87% ROAE ROAA
1 IFRS9 IAS39
34
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%
1
45.80%
61.09 -3.99% 12,409.92 +6.61%
7.80% -0.43 11.60% -0.15
23 18
1.
EASY EASY EASY
EASY
3,326.59 6.67% 235.23 36.43%
40.58
2.
18 23
69 2020
125 1,004
31 108 256 31 62
26 81
1
1 2020
H 35
3.
CIPS
2.03
4.
12,073.28 117.44
2020
1+1
4 16 35
2020
515.7
(RES)
16
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%
36
APP
633
7 6
3
158.98% 159.66%
2.
22.7
100% 98.08% 2019 A
2020 3.15
57.24 +13.45% 3,976 4.38%
2.85% +0.28 3,190 3.52%
1.
2.
e 400
85% 60
(MAU)3,102.90 39.88%
APP (MAU)2,421.82 APP 2020
7
2020
(CFCA)
H 37
e
+
95559
4.7 70
3.
1
75% 75%
40% 59 4 1.8
95%
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
38
H 39
829.11 196.21 538.28
141.44
976.98 1.67% 196.55
0.20
40
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
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
H 41
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
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
42
2.60% 0.5
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
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
H 43
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
(VaR) (SVaR) 1
10 99%
44
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
H 45
2,000 100% 2020
109.01% 0.76
2020 110.60%
1.59
2020 2020
IT
2020
46
FinTech
H 47
2021
2021
2021
100
e
48
74,262,726,645 A 39,250,864,015 52.85% H
35,011,862,630 47.15%
2020 12 31 2019 12 31
(%) (%)
–
74,262,726,645 100.00 74,262,726,645 100.00
1. 39,250,864,015 52.85 39,250,864,015 52.85
2. –
3. 35,011,862,630 47.15 35,011,862,630 47.15
74,262,726,645 100.00 74,262,726,645 100.00
424,446 A 391,416 H 33,030 2021 2 28
416,188 A 383,344 H 32,844
1
(%)
13,178,424,446 17.75 A
4,553,999,999 6.13 H
2,6
6,882,615 14,975,070,959 20.16 H
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
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
H 49
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.
1
10%
1949 10 00001318-6
2
1866 00173611-000
2000 8 12100000717800822N 800
1.
2. 1,161.025 71.98 464.410
HSBC Asia HSBC Holdings plc HSBC Holdings plc
Holdings Limited
47
50
1. 7
7 3.00%
7 1983 12 15
570
2. 1.68%
1988 6 13 120
6.67
3. 0.4%
2008 11 6 640
4. 0.4%
1991 9 14 465
X V
336
1
A A (%) (%)
13,178,424,4462 33.57 17.75
3
3,105,155,568 7.91 4.18
1
H H (%) (%)
9,055,342,3323 25.86 12.19
4,553,999,9992 13.01 6.13
4
HSBC Holdings plc 14,135,636,613 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
H 51
336
XV
41 2021 2 28 42
(%)
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
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.
52
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%
2015 7 24.5 2020 3 27
2020 6
24.5 2020 7
29
25.725
22 37
9 32
H 53
15
57 2018 8 2021
49 2020 8
57 2020 6
57 2021 1
52 2021 1
58 2019 10
55 2019 8
46 2019 8
48 2016 8
66 2016 10
66 2017 11
66 2018 8
63 2019 12
63 2020 8
53 2020 11
1.
2.
3. 2021 1 8 2020 2021 1
8
2020 1 1988
2018 8
2020 8 2003
2020 7
54
2020 6 2003
2021 1 1986
2021 1 1989
2019 10 1994
2019 8 2008
H 55
2019 8 2002
2016 8 2001
2016 10 1991
2001
(1937)
2017 11 1982
56
2018 8 2001
2019 12 1993
2020 8 1990
2020 11 2001
H 57
10
52 2020 3 2021
53 2017 6
66 2016 6
50 2017 10
53 2019 6
57 2020 6
57 2010 8
56 2018 10
52 2020 12
46 2020 12
1.
2. 2021 3 22
2020 3 2009 HEC EMBA
2017 6 2002
PTINDOSPECENERGY
DPS
58
2016 6 1984
2017 10 1998
(CCSEP)
2019 6 1997
China Journal of Accounting Studies
2020 6 1995
H 59
2010 8 1986
23
2018 10 1999
26
2020 12 2010
30
2020 12 2000
20
60
8
49 2020 7 2023 7
53 2019 9 2022 9
58 2018 7 2021 7
55 2020 7 2023 7
49 2021 3 2024 3
58 2018 4 2021 4
55 2018 9 2021 9
67 2013 3 2022 3
1.
2.
3. 2021 3 23
2019 9 1993
2018 7 1987
29
2020 7 1988
2003
H 61
2021 3 2009
2018 4 2006
2020 7
34
2018 9 1998
2019 6
31
2013 3 1984
62
2020 1 16
2020 8 5 2020 7 7
2015 10 2020 4
2013 8 2020 6
2017 8 2020 8
2017 8 2021 1
2014 10 2020 8
2014 9 2020 11
2020 11 2021 3
2014 6 2020 6
2004 11 2020 8
2019 6 2020 12
2019 1 2020 7
2018 9 2020 7
2020 7 2020 11
H 63
61.94 16.08 78.02 A 0 0 0
H 100,000 100,000 200,000
36.13 9.26 45.39 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 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
31 31 A 0 0 0
H 0 0 0
31 31 A 0 0 0
H 0 0 0
A 0 0 0
H 0 0 0
31 31 A 0 0 0
H 0 0 0
A 0 0 0
H 0 0 0
3.94 3.94 A 0 0 0
H 0 0 0
A 0 0 0
H 0 0 0
64
A 0 0 0
H 0 0 0
A 0 0 0
H 0 0 0
27.00 27.00 A 0 0 0
H 0 0 0
26.00 26.00 A 0 0 0
H 0 0 0
13.00 13.00 A 0 0 0
H 0 0 0
94.55 16.72 111.27 A 60,000 30,000 90,000
H 20,000 0 20,000
90.49 16.72 107.21 A 0 0 0
H 0 0 0
A 0 30,000 30,000
H 0 0 0
A 0 0 0
H 0 0 0
55.74 15.70 71.44 A 0 0 0
H 0 0 0
55.74 14.70 70.44 A 50,000 0 50,000
H 0 0 0
41.81 11.57 53.38 A 0 0 0
H 0 0 0
4.65 1.40 6.05 A 0 0 0
H 0 0 0
100.00 15.37 115.37 A 66,100 0 66,100
H 21,000 0 21,000
100.00 17.54 117.54 A 0 0 0
H 50,000 0 50,000
A 0 0 0
H 30,000 0 30,000
18.58 5.15 23.73 A 80,000 0 80,000
H 20,000 0 20,000
44.40 7.54 51.94 A 80,000 0 80,000
H 50,000 0 50,000
57.40 10.13 67.53 A 20,000 0 20,000
H 0 0 0
86.60 16.07 102.67 A 20,000 0 20,000
H 0 0 0
21.06 21.06 A 0 0 0
H 0 0 0
29.06 29.06 A 0 0 0
H 0 0 0
H 65
15.48 4.10 19.58 A 0 0 0
H 0 0 0
A 0 0 0
H 0 0 0
56.90 9.13 66.03 A 40,000 0 40,000
H 20,000 0 20,000
92.09 16.72 108.82 A 25,000 30,000 55,000
H 0 0 0
27.87 7.89 35.76 A 0 0 0
H 0 0 0
41.65 6.16 47.81 A 50,000 0 50,000
H 30,000 0 30,000
33.32 6.75 40.07 A 45,000 0 45,000
H 20,000 0 20,000
1. 2021 1 A 30,000 2020 12 A 30,000
2. 2020
2020
3.
4. 939.05
H 98
XV
XV
352
1/3
66
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
(%) (%) (%)
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
H 67
4
1
e
133 17 90
26
2020-2024
200 FinTech
60 4 7
68
(ESG)
H 69
(ESG)
74,262,726,645
2020 2020 www.bankcomm.com
3 10 6 www.sse.com.cn
www.hkexnews.hk
2019 2020
6 30 2019
13
2020 2020 2020
11 18
6
70
3
6
15 2 7
6
1/3
2 7 6
12 3
50 50-60 60
3 7 5
14 1
3 12
H 71
2020
D.3.1
10
71
28 115
(ESG)
3/3 10/10 5/5 3/3
1/1 5/5 3/3 2/2
1/2 6/6 3/3 2/2
0/0 0/0 0/0 0/0
0/0 0/0 0/0 0/0
0/3 9/10 5/5
1/3 10/10 5/5 7/7
0/3 8/10 5/5 5/5
0/3 9/10 7/7 5/5
0/3 10/10 5/5 5/5
1/3 10/10 5/5 6/6
1/3 10/10 7/7 6/6
1/3 9/10 7/7 6/6
1/1 4/5 3/3 3/3
0/0 1/1 1/1 1/1
72
(ESG)
1/1 2/2 2/2
1/1 4/4 2/2 4/4
2/2 6/6 5/5 4/4
3/3 10/10 5/5 5/5
0/2 5/5 2/2 4/4
1/3 9/9 4/4 6/6
(ESG)
(ESG)
H 73
1.
5 2019 26
2.
5
27
3.
7 26
4.
(1)
(2) (3) (4)
(5) (6)
6
22
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5
14
74
6
2020
2020
+
1.
2.
1.
2.
3. 6
4.
2020 12 31
H 75
11 3 4 4
3 5 3 1
4 1 1 1
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7/7 100
7/7 100
7/7 100
7/7 100
7/7 100
5/5 100
7/7 100
7/7 100
0/0 /
0/0 /
2/2 100
4/4 100
7/7 100
67/67 100
76
2020
H 77
2020 12 31
www.bankcomm.com www.sse.com.cn
www.hkexnews.hk
2020 1 16
2020 7 7
2020 12 31
7
78
2020
6,830.8 6,607.8
223
363.7
203
A
2020
2019 0.315
233.93 31.35% 2019
1.225 17.55 2020 3
H 79
2020
37
10
(%)
2020 3.17 23,541 73,880 31.86
2019 3.15 23,393 74,610 31.35
2018 3.00 22,279 71,012 31.37
2020
10%
80
1
11,096.75
26
2020 7 24.5
1
H 81
30%
2020 5 29 2020 6 1 2023 5 31 2017 4
28
2020 1 1 2020 5 31 1.
40.43 2.
82.08
2020 6 1 2020 12 31 1.
67.80 2.
101.50
1.
21.27 22.10 10.07 9.75 2.
53.33
14A.87(1) 14A.90
82
2020 1.
2. 3.
2020 1. 2.
3. 4. 2020
47
14A
33
2016 9 4.5
A 72
36
H 83
84
7 100% 22 7
8 19
3
24 2020
11
H 85
2020
2020
2020
86
H 87
2020 2
2020 6
2,488 334.89 78.42
30.58%
334.89
78.42
30.58%
1. 2,488
3.61%
2. 760.47
14.6%
3. 1,988
74.69%
4. 544
28.3%
5. 765.56
21.63%
6. 1,857.96
9.83%
2021
88
800
6,655.30 1,200 1,400
800
30 60 (ESG)
2019
2020 2019 2018
(%) 99.34 99.53 99.61
(%) 99.63 99.76 99.79
3,872.80 3,283.52 2,830.54
98.04%
2020 2019 2018
(%) 98.04 97.67 96.59
2020
H 89
38.76
[2017]49 2019 12
10% A 1,970,269,383
3
2020 5 29
47
85
140 85
140 2020 1 3 3 30
200 2020 7 15
24.5 2020 7 30
400 2020 5 21
A 742,627,266
1% 2020 9 11
75 2020 7 16
300 28
2020 9 25 11 18
(www.sse.com.cn) (www.hkexnews.hk)
H
92
37
208
2,929
H 93
200
218
28
8
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847
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18
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(www.bankcomm.com)
94
20 B C
1 3 16 01 18
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.
1-3-5 GROUP
50 Raffles Place #18-01 Singapore Land Tower, Singapore 048623
6th DouZone Tower. #29, Eulji-ro, Jung-Gu, Seoul, 04523, Korea
Neue Mainzer Strasse 75, 60311 Frankfurt am Main, Germany
251A-301 16
17th floor, Vincom Center, 72 Le Thanh Ton, Dist.1, HCMC, VN
Level 23, 60 Martin Place, Sydney NSW, 2000, Australia
Level 35, 71 Eagle Street, Brisbane QLD, 4000, Australia
Level 34, 525 Collins Street, Melbourne VIC, 3000, Australia
5 7 101 29 A
4th Floor, 1 Bartholomew Lane, London EC2N 2AX UK
7 Rue de la Chapelle, L-1325 Luxembourg, Luxembourg
90, Avenue des Champs-Elysees, 75008, Paris, France
3rd floor, Piazza Barberini 52, Rome. 00187, Italy
Av Baro de Tefé, 34-20th, Rio de Janeiro, Brazil, 20220-460
7th floor, RUSTONKA R2, Rohanske nabrezi 693/10, Prague 8,
186 00, Czech Republic
140 West St, Sandown, Sandton, 2196, Johannesburg, South Africa
Suite 2460, 22 Adelaide Street West, Toronto, ON M5H 4E3, Canada
8
333 847
333
333
68
8
333
333
333
333
168-170
1
127
156 1 101
H 95
26
97 27
104 28
106 29
107 30
108 31
32
110 33
1 34
2 35
3 36
4 37
5 38
6 39
7 40
8 41
9 42
10 43
11 44
12 45
13 46
14 47
15 48
16 49
17 50
18
19 239
20 1
21 2
22 3
23 4
24 5
25
96
104 238
H 97
2.3 2.2 9( a )
3.1.1( a ) 3.1.1( b ) 3.1.1( c ) 3.1.1( d )
3.1.2 3.1.3.1 2 2.2 23
34 40
1.
2020 12 31
5,861,404
140,836
2,022,579 2.
3,050
1,676,712
10,500
2020 3.
60,036
4.
5.
98
1.
2.
3.
4.
5.
H 99
2.2 2.29( d ) 44
45
2020 12 31
3 5 3,0 1 7 2020 12 31
1,211,959 1.
5 6 9,8 4 1
339,871 273,699
2.
3.
4.
100
2.3 2.29(b) 3.4
1.
2.
1.
2020 12 31
73,190
2.
3.
H 101
102
2021 3 26
H 103
12 31
2020 2019
369,101 367,453
(215,765) (223,370)
4 153,336 144,083
5 49,298 47,669
6 (4,212) (4,044)
45,086 43,625
7 13,844 15,936
1,177 313
27 (281)
222 414
8 15,170 11,687
9 17,889 16,799
10 (62,059) (51,954)
11 (484) (270)
12 (15,729) (11,432)
13 (82,027) (81,001)
86,425 88,200
16 (6,855) (10,138)
79,570 78,062
19 (335)
(183) (378)
(920) 3,715
(825) (395)
(1,362) (156)
815 147
(4,776) 1,141
(8) 18
(7,240) 3,757
104
12 31
2020 2019
(1,204) (560)
(132) (20)
7 25
20 –
(1,309) (555)
42 (8,549) 3,202
71,021 81,264
78,274 77,281
1,296 781
79,570 78,062
69,960 80,414
1,061 850
71,021 81,264
17 0.99 1.00
H 105
2020 2019
12 31 12 31
18 817,561 760,185
19 571,130 648,488
21 54,212 20,937
22 5,720,568 5,183,653
20 482,588 406,498
23 2,019,529 1,929,689
23 735,220 669,656
25 4,681 4,600
26 169,471 171,179
27 27,991 24,065
28 94,665 86,650
10,697,616 9,905,600
29 1,787,491 1,904,082
30 29,279 26,980
21 55,942 26,424
31 6,607,330 6,072,908
32 634,297 498,991
3,786 7,086
27 1,286 918
33 497,755 403,918
34 201,822 163,381
9,818,988 9,104,688
35 74,263 74,263
36 133,292 99,870
44,952 59,876
88,340 39,994
35 111,428 113,663
333,176 328,310
214,448 177,141
866,607 793,247
8,763 7,665
39 3,258 –
12,021 7,665
878,628 800,912
10,697,616 9,905,600
2021 3 26
106
35 36 36 35 37 37 37 37 37,38
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
H 107
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)
108
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
43 307,120 167,735
285,937 283,899
(205,169) (233,397)
H 109
2020 12 31
1
[1986]81
[1987]40 1987 4
1 245
23 24
B0005H131000001
9131000010000595XD 742.63
A H 601328 03328
360021
2
2.1
622
2.29
2.1.1
1 8
3
9 39
7
16
1 8
1 8
1
110
2020 12 31
2
2.1
2.1.1
3
2020 1 1
9 39 7
9 39 7
(IBOR)
IBOR
IBOR
IBOR
H 111
2020 12 31
2
2.1
2.1.1
16
< 16 >
8
2.1.2
9 2021 1 1
39
7
4
16
10 2016 1 1
28
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
112
2020 12 31
2
2.1
2.1.2
9 39 7 4
16
9 39 7
4 16 2021 1
1
IBOR 9
9 B5.4.5 IBOR
IBOR 7
10 28
10 28
16
I A S 16
17
2017 5 17
4
9
17
H 113
2020 12 31
2
2.1
2.1.2
17
2020 6 25 17
4 9 17
17
17 2023 1 1
4 9 2023 1 1
17
3
(2018)
3
3 37
21 (2018)
37
114
2020 12 31
2
2.1
2.1.2
37
2018-2020
2018-2020
9 10%
16
1
1
41
17
2.2
2.2.1
H 115
2020 12 31
2
2.2
2.2.1
2.2.2
2.2.3
44 45
2.2.4
36
36
116
2020 12 31
2
2.2
2.2.5
2.3
(a) 1
(b)
H 117
2020 12 31
2
2.3
2.3.1
(i)
(ii)
118
2020 12 31
2
2.3
2.3.1
3.1
H 119
2020 12 31
2
2.3
2.3.1
120
2020 12 31
2
2.3
2.3.1
(i)
(i i )
(i)
(ii)
(iii)
(1)
(2)
(3)
(4)
H 121
2020 12 31
2
2.3
2.3.2
2.3.1
2.26)
10%
(i)
(ii)
122
2020 12 31
2
2.3
2.3.3
(i)
(ii)
(iii)
(i)
(ii)
(iii)
(i)
(ii)
H 123
2020 12 31
2
2.3
2.3.3
(a)
(b)
2.3.4
2.4
2.5
2.6
124
2020 12 31
2
2.7
(a)
(b)
2.8
2.9
25 –50 3% 1.94% - 3.88%
3 –11 3% 8.82% - 32.33%
4 –8 3% 12.13% - 24.25%
5
25
H 125
2020 12 31
2
2.10
2.11
2.12
2.13
2.14
126
2020 12 31
2
2.14
(a)
(b)
(c)
2.15
H 127
2020 12 31
2
2.15
(a)
12
(1)
(2)
2021 6 30
(b)
2.16
128
2020 12 31
2
2.17
2.18
(a)
(b)
H 129
2020 12 31
2
2.19
(a)
(b)
2.20
(a)
(b)
(c)
2.21
2.22
(a)
(b)
2009 1 1
2008 12 31
130
2020 12 31
2
2.22
(c)
2.23
(1)
(2)
(3)
2.24
H 131
2020 12 31
2
2.25
(a)
(b)
(i)
(ii)
(iii)
(c)
2.26
132
2020 12 31
2
2.27
2.28
(1) (2)
(3)
2.29
(a)
3.1
3.1
H 133
2020 12 31
2
2.29
(b)
3.4
(c)
(d)
(e)
(f)
134
2020 12 31
3
3.1
3.1.1
(a)
(1) (2) (3) (4)
H 135
2020 12 31
3
3.1
3.1.1
(b)
(c)
(d)
136
2020 12 31
3
3.1
3.1.2
(1)
(2)
(3)
12 (ECL)
(1) 90
(2)
(3)
(4)
(5)
90
(1) 30
(2) (a)
(b) 3
(3)
(4)
H 137
2020 12 31
3
3.1
3.1.2
12
(PD) (LGD)
(EAD)
(PD)
(EAD)
(LGD)
(PD) (EAD)
(LGD)
(GDP)
2020 2021 (GDP) 8.2%
9.0% 6.0%
2020
IMF
2020
138
2020 12 31
3
3.1
3.1.2
2020 2019
12 31 12 31
337 468
96 29
10 21
10% 10% 484
2019 12 31 419
6 2019 12 31 14
10% 10% 1,402 2019 12 31
917
23 2019 12 31 34
3.1.3
3.1.3.1
H 139
2020 12 31
3
3.1
3.1.3
3.1.3.1
2020 12 31
731,772 – – – 731,772 70,436 802,208 – 802,208
1,862,280 1,155,378 70,714 72,874 3,161,246 495,804 3,657,050 (104,425) 3,552,625
1 1,860,944 1,077,691 5,140 – 2,943,775 475,755 3,419,530 (27,418) 3,392,112
2 1,336 77,687 65,574 – 144,597 14,093 158,690 (29,034) 129,656
3 – – – 72,874 72,874 5,956 78,830 (47,973) 30,857
94,543 106,440 9,335 95 210,413 79 210,492 – 210,492
1 94,542 105,458 3,627 – 203,627 79 203,706 – 203,706
2 1 982 5,708 – 6,691 – 6,691 – 6,691
3 – – – 95 95 – 95 – 95
1,341,584 542,393 31,885 18,610 1,934,472 46,410 1,980,882 (34,849) 1,946,033
1 1,341,429 541,708 24,607 – 1,907,744 46,020 1,953,764 (16,008) 1,937,756
2 155 685 7,278 – 8,118 227 8,345 (3,836) 4,509
3 – – – 18,610 18,610 163 18,773 (15,005) 3,768
370,162 259 – – 370,421 201,957 572,378 (1,248) 571,130
1,936,199 26,277 793 465 1,963,734 58,845 2,022,579 (3,050) 2,019,529
1 1,936,199 20,930 – – 1,957,129 56,207 2,013,336 (1,844) 2,011,492
2 – 5,347 793 – 6,140 2,309 8,449 (682) 7,767
3 – – – 465 465 329 794 (524) 270
291,786 2,515 – – 294,301 429,572 723,873 – 723,873
1 291,786 2,515 – – 294,301 429,222 723,523 – 723,523
2 – – – – – 278 278 – 278
3 – – – – – 72 72 – 72
14,624 8,560 127 3,842 27,153 13,908 41,061 (4,088) 36,973
1 14,455 8,353 – – 22,808 13,838 36,646 (166) 36,480
2 45 83 28 10 166 – 166 (115) 51
3 124 124 99 3,832 4,179 70 4,249 (3,807) 442
6,642,950 1,841,822 112,854 95,886 8,693,512 1,317,011 10,010,523 (147,660) 9,862,863
1 1,283,391 319,352 2,499 – 1,605,242 61,620 1,666,862 (6,858) 1,660,004
2 – 4,422 5,031 – 9,453 397 9,850 (3,642) 6,208
1,283,391 323,774 7,530 – 1,614,695 62,017 1,676,712 (10,500) 1,666,212
7,926,341 2,165,596 120,384 95,886 10,308,207 1,379,028 11,687,235 (158,160) 11,529,075
140
2020 12 31
3
3.1
3.1.3
3.1.3.1
2019 12 31
729,859 – – – 729,859 15,845 745,704 – 745,704
1,501,665 1,103,396 106,046 56,508 2,767,615 546,481 3,314,096 (105,170) 3,208,926
1 1,500,753 1,074,724 2,796 – 2,578,273 536,706 3,114,979 (23,125) 3,091,854
2 912 28,672 103,250 – 132,834 6,867 139,701 (39,960) 99,741
3 – – – 56,508 56,508 2,908 59,416 (42,085) 17,331
113,994 113,800 7,567 53 235,414 – 235,414 – 235,414
1 113,994 112,323 2,640 – 228,957 – 228,957 – 228,957
2 – 1,477 4,927 – 6,404 – 6,404 – 6,404
3 – – – 53 53 – 53 – 53
1,030,543 645,992 19,533 18,357 1,714,425 40,340 1,754,765 (27,549) 1,727,216
1 1,030,197 644,783 12,138 – 1,687,118 39,988 1,727,106 (8,394) 1,718,712
2 346 1,209 7,395 – 8,950 135 9,085 (3,193) 5,892
3 – – – 18,357 18,357 217 18,574 (15,962) 2,612
395,742 1,005 – – 396,747 252,800 649,547 (1,059) 648,488
1,853,796 29,868 793 1,064 1,885,521 47,431 1,932,952 (3,263) 1,929,689
1 1,853,796 29,868 – – 1,883,664 46,408 1,930,072 (2,455) 1,927,617
2 – – 793 – 793 704 1,497 (178) 1,319
3 – – – 1,064 1,064 319 1,383 (630) 753
263,029 2,054 – – 265,083 395,628 660,711 – 660,711
1 263,029 2,054 – – 265,083 395,628 660,711 – 660,711
2 – – – – – – – – –
3 – – – – – – – – –
18,259 7,910 182 3,179 29,530 15,147 44,677 (3,437) 41,240
1 18,079 7,697 – – 25,776 14,937 40,713 (143) 40,570
2 57 95 51 243 446 – 446 (287) 159
3 123 118 131 2,936 3,308 210 3,518 (3,007) 511
5,906,887 1,904,025 134,121 79,161 8,024,194 1,313,672 9,337,866 (140,478) 9,197,388
1 970,178 420,254 977 – 1,391,409 67,906 1,459,315 (5,358) 1,453,957
2 – 2,465 9,792 – 12,257 598 12,855 (974) 11,881
970,178 422,719 10,769 – 1,403,666 68,504 1,472,170 (6,332) 1,465,838
6,877,065 2,326,744 144,890 79,161 9,427,860 1,382,176 10,810,036 (146,810) 10,663,226
H 141
2020 12 31
3
3.1
3.1.3
3.1.3.2
2020 12 31 2019 12 31
54,212 20,937
153,034 134,950
252,098 170,435
19,975 51,396
479,319 377,718
3.1.3.3
(a)
142
2020 12 31
3
3.1
3.1.3
3.1.3.3
(a)
90%
90%
90%
60%
65%
70%
70%
50%
2020 12 31
97,603 (62,978) 34,625 46,264
95 – 95 95
794 (524) 270 2
72 – 72 –
2019 12 31
77,990 (58,047) 19,943 29,345
53 – 53 53
1,383 (630) 753 1,043
H 143
2020 12 31
3
3.1
3.1.3
3.1.3.3
(b)
3.1.4
2020 12 31 2019 12 31
50,052 36,175
3.1.5
2020 12 31 2019 12 31
1,085 873
10 20
14 14
1,109 907
(142) (148)
967 759
144
2020 12 31
3
3.1
3.1.6
2020 12 31
733,895 33,431 34,562 801,888
365,731 113,071 92,328 571,130
42,150 9,617 2,445 54,212
375,566 7,813 41,729 425,108
5,362,745 194,300 163,523 5,720,568
373,966 120,315 229,592 723,873
1,967,344 6,195 45,990 2,019,529
28,229 15,436 2,772 46,437
9,249,626 500,178 612,941 10,362,745
796,707 9,979 9,151 815,837
825,973 25,552 9,350 860,875
1,622,680 35,531 18,501 1,676,712
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
H 145
2020 12 31
3
3.1
3.1.6
(a)
2020 12 31 2019 12 31
% %
1,576,465 26.96 1,434,280 27.04
701,865 12.00 572,226 10.79
831,454 14.22 740,248 13.96
958,527 16.39 827,110 15.59
680,088 11.63 585,712 11.04
232,864 3.98 212,871 4.01
359,368 6.14 391,517 7.38
507,793 8.68 540,311 10.19
5,848,424 100.00 5,304,275 100.00
48
146
2020 12 31
3
3.1
3.1.6
(b)
2020 12 31 2019 12 31
% %
125,367 2.14 117,555 2.22
118,387 2.02 106,108 2.00
130,836 2.24 95,736 1.80
41,680 0.71 35,156 0.66
100,571 1.72 93,393 1.76
27,057 0.46 27,049 0.51
239,672 4.10 243,701 4.60
221,313 3.78 215,642 4.07
135,732 2.32 135,998 2.56
708,649 12.12 637,943 12.03
41,148 0.70 28,346 0.53
204,856 3.50 221,381 4.17
34,886 0.60 32,259 0.61
118,702 2.03 107,865 2.03
348,185 5.95 264,495 4.99
577,500 9.87 508,863 9.59
334,399 5.72 284,797 5.37
112,961 1.93 96,875 1.83
85,570 1.48 93,314 1.76
160,071 2.74 203,034 3.83
3,867,542 66.13 3,549,510 66.92
1,293,773 22.12 1,135,428 21.41
464,110 7.94 467,387 8.81
222,999 3.81 151,950 2.86
1,980,882 33.87 1,754,765 33.08
5,848,424 100.00 5,304,275 100.00
2017 (GB/T 4754-2017)
H 147
2020 12 31
3
3.2
3.2.1
(VaR)
3.2.2 VaR
VaR
99% 1
2020 12 31
594 501 617 423
268 296 472 127
464 485 555 417
2019 12 31
464 586 788 462
167 171 209 112
500 632 846 492
148
2020 12 31
3
3.2
3.2.3
100
2020 12 31 2019 12 31
100 13,551 15,794
100 (13,551) (15,794)
100
2020 12 31 2019 12 31
100 (11,882) (11,748)
100 12,363 11,570
5% 5%
2020 12 31 2019 12 31
5% (1,662) (1,758)
5% 1,662 1,758
H 149
2020 12 31
3
3.2
3.2.3
5% 5%
2020 12 31 2019 12 31
5% (1,397) (954)
5% 1,397 954
3.2.4
2013 7 20
2015 10 24 2019
(LPR)
LPR
(L I BOR) 2021 3
(FCA) 2021 LIBOR LIBOR
LIBOR 2023 LIBOR 2020
8 31
LIBOR
LIBOR SOFR LIBOR SOFR
LIBOR
SOFR SOFR
LIBOR LIBOR
LIBOR
LIBOR
LIBOR LIBOR
LIBOR
150
2020 12 31
3
3.2
3.2.4
2020 12 31
795,102 – – – – 22,459 817,561
291,121 97,782 162,611 13,718 2,792 3,106 571,130
– – – – – 54,212 54,212
22,761 21,369 34,378 31,955 51,251 320,874 482,588
1,661,920 749,592 2,420,672 334,404 260,828 293,152 5,720,568
82,187 134,536 83,786 237,760 179,006 17,945 735,220
41,734 49,906 258,697 962,447 678,347 28,398 2,019,529
466 – – – – 296,342 296,808
2,895,291 1,053,185 2,960,144 1,580,284 1,172,224 1,036,488 10,697,616
(913,880) (265,073) (537,732) (47,277) (13,181) (10,348) (1,787,491)
(6,291) (6,340) (6,985) (134) – (9,529) (29,279)
– – – – – (55,942) (55,942)
(3,515,457) (552,070) (924,291) (1,529,725) (2) (85,785) (6,607,330)
(90,687) (214,973) (366,449) (329,911) (192,715) (144,211) (1,338,946)
(4,526,315) (1,038,456) (1,835,457) (1,907,047) (205,898) (305,815) (9,818,988)
(1,631,024) 14,729 1,124,687 (326,763) 966,326 730,673 878,628
H 151
2020 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
152
2020 12 31
3
3.2
3.2.5
2020 12 31 1 6.5249 2019 12 31
6.9762 1 0.8416 2019 12 31 0.8958
2020 12 31
729,631 31,298 35,151 21,481 817,561
218,074 319,227 16,750 17,079 571,130
46,761 4,082 2,669 700 54,212
407,126 41,616 2,484 31,362 482,588
5,248,201 240,514 149,366 82,487 5,720,568
329,481 305,772 49,133 50,834 735,220
2,000,225 15,357 50 3,897 2,019,529
153,647 130,805 8,453 3,903 296,808
9,133,146 1,088,671 264,056 211,743 10,697,616
(1,421,873) (299,201) (7,899) (58,518) (1,787,491)
(7,703) (1,251) (6,419) (13,906) (29,279)
(41,556) (10,217) (2,360) (1,809) (55,942)
(5,894,179) (378,083) (301,781) (33,287) (6,607,330)
(1,101,641) (188,070) (23,211) (26,024) (1,338,946)
(8,466,952) (876,822) (341,670) (133,544) (9,818,988)
666,194 211,849 (77,614) 78,199 878,628
1,534,447 106,293 20,787 15,185 1,676,712
H 153
2020 12 31
3
3.2
3.2.5
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
3.2.6
154
2020 12 31
3
3.3
3.3.1
3.3.2
H 155
2020 12 31
3
3.3
3.3.3
2020 12 31
– – (664,483) (249,435) (272,305) (555,383) (51,554) (13,537) (1,806,697)
– – (2,199) (6,323) (5,778) (15,352) (137) – (29,789)
– – (2,826,645) (720,090) (564,855) (961,376) (1,633,891) (2) (6,706,859)
– – – (88,752) (209,113) (315,930) (27,036) (42) (640,873)
– – – (2,459) (7,700) (65,629) (327,846) (165,290) (568,924)
– – (50,017) (173) (783) (1,675) (20,363) (55,710) (128,721)
– – (3,543,344) (1,067,232) (1,060,534) (1,915,345) (2,060,827) (234,581) (9,881,863)
– 641,025 176,216 – 320 – – – 817,561
– – 111,953 175,013 92,064 158,106 39,227 7,165 583,528
314 316,982 2,100 9,963 13,373 39,918 49,113 65,737 497,500
44,408 – – 503,713 357,214 1,451,002 1,677,966 4,134,699 8,169,002
72 11,347 – 29,004 47,520 136,836 368,919 204,359 798,057
270 – – 41,759 52,029 315,772 1,148,818 799,669 2,358,317
4,432 – 42,005 – – – – – 46,437
49,496 969,354 332,274 759,452 562,520 2,101,634 3,284,043 5,211,629 13,270,402
49,496 969,354 (3,211,070) (307,780) (498,014) 186,289 1,223,216 4,977,048 3,388,539
156
2020 12 31
3
3.3
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) (2,364) (13,368) (45,291) (125,075)
– – (3,082,513) (985,433) (1,098,174) (2,313,928) (1,514,752) (220,388) (9,215,188)
– 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) (212,149) 1,918,814 3,737,599 2,832,414
H 157
2020 12 31
3
3.3
3.3.4
(a)
2020 12 31
3 2 54 – – 59
215 590 2,730 5,990 247 9,772
218 592 2,784 5,990 247 9,831
(44) (51) (29) – – (124)
(291) (751) (3,825) (10,349) (1,173) (16,389)
(335) (802) (3,854) (10,349) (1,173) (16,513)
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)
158
2020 12 31
3
3.3
3.3.4
(b)
2020 12 31
(775,033) (567,895) (979,175) (86,979) (5,464) (2,414,546)
776,108 567,520 981,843 88,209 7,732 2,421,412
1,075 (375) 2,668 1,230 2,268 6,866
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)
H 159
2020 12 31
3
3.3
3.3.5
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
160
2020 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
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
3.3.6
1 1 5 5
2020 12 31
813,687 26,668 20,520 860,875
682,540 126,206 7,091 815,837
1,496,227 152,874 27,611 1,676,712
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
H 161
2020 12 31
3
3.4
(a)
(1)
(2)
(3)
162
2020 12 31
3
3.4
(b)
2020 12 31 2019 12 31
2,019,529 2,031,222 1,929,689 1,954,341
(484,382) (485,175) (383,481) (388,177)
2020 12 31
2,530 1,920,866 107,826 2,031,222
– (485,175) – (485,175)
2019 12 31
7,655 1,806,199 140,487 1,954,341
– (388,177) – (388,177)
H 163
2020 12 31
3
3.4
(c)
2020 12 31
3,191 3,343 – 6,534
– 1,585 – 1,585
7,673 91,904 94 99,671
2,312 39,642 3,290 45,244
370 238,963 12,765 252,098
6,270 3,233 47,978 57,481
– 19,975 – 19,975
– 44,435 – 44,435
– 8,880 897 9,777
19,816 451,960 65,024 536,800
72,209 268,514 – 340,723
1,273 2,103 – 3,376
123,223 181,467 – 304,690
49,033 25,687 364 75,084
1,798 1,842 7,707 11,347
– 210,397 95 210,492
247,536 690,010 8,166 945,712
267,352 1,141,970 73,190 1,482,512
– (7,868) – (7,868)
– (16,104) – (16,104)
– (417) – (417)
– (4,890) – (4,890)
– (40,914) – (40,914)
– (15,028) – (15,028)
– (13,373) – (13,373)
– (98,594) – (98,594)
164
2020 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 165
2020 12 31
3
3.4
(c)
2020 1 1 63,696 7,520
1,291 (40)
– (1,696)
11,587 2,932
(11,550) (550)
2020 12 31 65,024 8,166
2020 12 31
2,218 2
(975) (1,738)
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)
3.5
2020 12 31
166
2020 12 31
3
3.6
5% 6% 8%
2.5%
1%
H 167
2020 12 31
3
3.6
2014 4
2020 12 31 2019 12 31
(%) 10.87 11.22
(%) 12.88 12.85
(%) 15.25 14.83
732,863 695,084
(5,252) (5,595)
727,611 689,489
134,610 100,057
862,221 789,546
159,025 121,710
1,021,246 911,256
6,695,462 6,144,459
4
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
168
2020 12 31
5
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
6
12 31
2020 2019
2,473 2,884
1,321 821
418 339
4,212 4,044
12 31
2020 2019
– 7
H 169
2020 12 31
7
12 31
2020 2019
14,277 13,415
1,100 2,629
(1,533) (108)
13,844 15,936
2020 12 31
1.84 2019 12 31 0.56
8
12 31
2020 2019
15,731 12,268
(561) (581)
15,170 11,687
9
12 31
2020 2019
13,436 12,821
1,848 1,370
180 31
166 287
2,259 2,290
17,889 16,799
170
2020 12 31
10
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
11
12 31
2020 2019
485 233
(1) 37
484 270
12
12 31
2020 2019
13,282 9,054
(401) (343)
2,288 2,410
560 311
15,729 11,432
13
12 31
2020 2019
14 32,467 33,285
25,649 25,170
7,888 8,105
9,518 8,934
2,823 2,697
32 50
3,650 2,760
82,027 81,001
H 171
2020 12 31
14
12 31
2020 2019
22,638 22,291
(a) 3,062 4,208
6,767 6,786
32,467 33,285
(a)
10% 27%
2009 1 1
12 31
2020 2019
1,577 2,331
1,468 1,855
3,045 4,186
2020 12 31 2019 12 31
69 65
73 966
142 1,031
172
2020 12 31
14
(a)
2008 12 31
2020 12 31 2019 12 31
467 399
12 31
2020 2019
17 22
132 20
149 42
12 31
2020 2019
399 408
(81) (51)
14 20
3 2
132 20
467 399
2020 12 31 13.20 2019 12 31 10.21
0.40 2019 0.40
H 173
2020 12 31
14
(a)
2020 12 31 3.51% 2019 12 31
3.22% 2.87% 2019 12 31 2.68%
2020 12 31 60
23.13 2019 12 31 19.70 55 33.13 2019 12
31 28.70
(1) 100 0.35 0.40
(2) 1% 0.39 0.35
(3) 0.29
0.30
174
2020 12 31
15
(a)
2020 12 31
– 619 161 780
– 361 93 454
– 866 161 1,027
– – – –
– – – –
– – – –
– – – –
– – – –
– – – –
– – – –
310 – – 310
310 – – 310
– – – –
310 – – 310
– – – –
39 – – 39
– 155 41 196
– – – –
– – – –
– – – –
– 270 – 270
– 260 – 260
– 130 – 130
– 946 167 1,113
– 905 167 1,072
– – – –
– – – –
969 4,512 790 6,271
2020
– 186 52 238
– 444 75 519
– 574 101 675
291 – – 291
211 – – 211
– – – –
– 569 91 660
– 921 167 1,088
502 2,694 486 3,682
H 175
2020 12 31
15
(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
176
2020 12 31
15
(a)
(1) 2020 2020
2019 2020 10 29 2020
(2)
(3) 2020 2019
(4)
(5) 2021 1 8
(b)
12 31
2020 2019
14 14
15 14
2 2
31 30
12 31
2020 2019
4,500,001 5,000,000 2 3
5,000,001 5,500,000 2 1
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 – –
10,000,001 10,500,000 – 1
10,500,001 11,000,000 – –
11,000,001 11,500,000 1 –
5 5
2020 2019
H 177
2020 12 31
16
12 31
2020 2019
8,247 11,789
630 1,059
577 680
9,454 13,528
27 (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)
178
2020 12 31
17
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
18
2020 12 31 2019 12 31
15,353 14,481
634,239 653,190
160,863 76,145
6,786 16,078
320 291
817,561 760,185
2020 12 31 2019 12 31
% %
11.00 12.50
5.00 5.00
H 179
2020 12 31
19
2020 12 31 2019 12 31
90,965 96,489
68,274 39,783
196 559
(265) (176)
6,332 4,787
3,657 950
27,905 9,030
– 450
3,670 329
26 20
(34) (11)
113,890 100,074
95,886 55,132
118,172 262,885
40,515 74,080
2,890 4,979
(949) (872)
571,130 648,488
2020 12 31 2019
12 31 45 2020 12 31 1.02
1.05 2019 479.30 2.42
180
2020 12 31
20
2020 12 31 2019 12 31
2,370 2,829
(a) 3,043 3,176
1,121 1,597
23,853 21,244
(a) 109,422 100,680
4,445 3,869
8,780 1,555
1,419 820
7,956 1,756
48,106 47,141
474 92
251,624 170,343
19,975 51,396
482,588 406,498
(a)
2020 12 31 2019 12 31
99,671 88,783
45,244 36,565
6,534 7,602
1,585 2,000
153,034 134,950
21
H 181
2020 12 31
21
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 12 31 2019 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
182
2020 12 31
21
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)
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
H 183
2020 12 31
21
(c)
2020 12 31
22
22.1
2020 12 31 2019 12 31
5,637,932 5,068,861
210,492 235,414
(139,274) (132,719)
12,980 14,648
(1,562) (2,551)
5,720,568 5,183,653
22.2
1 2 3
2020 1 1 3,114,979 139,701 59,416 3,314,096
466,884 (70,303) (11,437) 385,144
– – (33,214) (33,214)
(153,797) 89,415 64,382 –
1 2 (131,542) 131,542 – –
1 3 (22,255) – 22,255 –
2 3 – (42,127) 42,127 –
(8,536) (123) (317) (8,976)
2020 12 31 3,419,530 158,690 78,830 3,657,050
1 2 3
2019 1 1 2,848,956 127,820 57,147 3,033,923
365,202 (58,842) (5,046) 301,314
– (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 –
6,258 117 31 6,406
2019 12 31 3,114,979 139,701 59,416 3,314,096
184
2020 12 31
22
22.2
1 2 3
12
2020 1 1 23,125 39,960 42,085 105,170
2,477 (7,358) (7,717) (12,598)
– 686 – 686
– – (33,214) (33,214)
(838) (15,668) 16,506 –
1 2 (762) 762 – –
1 3 (76) – 76 –
2 3 – (16,430) 16,430 –
2,805 11,452 28,208 42,465
– – 3,340 3,340
– – (1,138) (1,138)
(151) (38) (97) (286)
2020 12 31 27,418 29,034 47,973 104,425
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
H 185
2020 12 31
22
22.2
1 2 3
2020 1 1 1,727,106 9,085 18,574 1,754,765
254,353 (2,056) (2,943) 249,354
– – (20,580) (20,580)
(25,057) 1,328 23,729 –
1 2 (6,125) 6,125 – –
1 3 (18,932) – 18,932 –
2 3 – (4,797) 4,797 –
(2,638) (12) (7) (2,657)
2020 12 31 1,953,764 8,345 18,773 1,980,882
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
12
2020 1 1 8,394 3,193 15,962 27,549
2,001 (100) (1,102) 799
– – (20,580) (20,580)
270 (1,078) 808 –
1 2 378 (378) – –
1 3 (108) – 108 –
2 3 – (700) 700 –
5,349 1,823 18,443 25,615
– – 1,712 1,712
– – (231) (231)
(6) (2) (7) (15)
2020 12 31 16,008 3,836 15,005 34,849
186
2020 12 31
22
22.2
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
1 2 3
2020 1 1 228,957 6,404 53 235,414
(18,373) (6,209) (134) (24,716)
– – (34) (34)
(6,833) 6,603 230 –
1 2 (6,763) 6,763 – –
1 3 (70) – 70 –
2 3 – (160) 160 –
(45) (107) (20) (172)
2020 12 31 203,706 6,691 95 210,492
1 2 3
2019 1 1 178,874 6,731 258 185,863
56,345 (6,597) (310) 49,438
(6,506) 6,404 102 –
1 2 (6,404) 6,404 – –
1 3 (102) – 102 –
244 (134) 3 113
2019 12 31 228,957 6,404 53 235,414
H 187
2020 12 31
22
22.2
1 2 3
12
2020 1 1 839 205 289 1,333
(10) (121) (32) (163)
– – (34) (34)
(114) (42) 156 –
1 2 (75) 75 – –
1 3 (39) – 39 –
2 3 – (117) 117 –
163 5 (17) 151
2020 12 31 878 47 362 1,287
1 2 3
12
2019 1 1 1,163 283 233 1,679
(171) (283) 49 (405)
(208) 205 3 –
1 2 (205) 205 – –
1 3 (3) – 3 –
55 – 4 59
2019 12 31 839 205 289 1,333
22.3
2020 12 31 2019 12 31
1,812,785 1,844,304
990,248 943,076
3,045,391 2,516,895
2,191,847 1,926,508
853,544 590,387
5,848,424 5,304,275
188
2020 12 31
22
22.4
2020 12 31
1 90 360
90 360 3 3
8,850 13,686 694 217 23,447
5,867 8,904 12,222 1,415 28,408
10,763 11,555 13,000 3,030 38,348
8,640 9,825 10,661 2,856 31,982
2,123 1,730 2,339 174 6,366
25,480 34,145 25,916 4,662 90,203
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
H 189
2020 12 31
23
2020 12 31 2019 12 31
7,743 7,427
1,864,919 1,747,791
121,740 149,170
28,177 28,564
(3,050) (3,263)
2,019,529 1,929,689
161,286 155,781
435,675 382,695
120,306 115,776
6,606 6,459
723,873 660,711
158 677
3,473 1,639
7,716 6,629
11,347 8,945
735,220 669,656
2020 12 31
0.49 2019 12 31 0.67
2020 12 31 2019 12 31
340,723 258,959
3,376 2,108
304,690 329,703
75,084 69,941
723,873 660,711
1,710,428 1,521,473
21,979 25,689
148,404 215,817
29,983 27,038
1,910,794 1,790,017
190
2020 12 31
23
1 2 3
2020 1 1 1,930,072 1,497 1,383 1,932,952
408,635 – – 408,635
(317,005) (5) (615) (317,625)
(6,956) 6,956 – –
1 2 (6,956) 6,956 – –
1 3 – – – –
2 3 – – – –
(414) 1 26 (387)
(996) – – (996)
2020 12 31 2,013,336 8,449 794 2,022,579
1 2 3
2019 1 1 2,002,789 – 1,085 2,003,874
289,477 – – 289,477
(360,855) – (21) (360,876)
(1,816) 1,497 319 –
1 2 (1,497) 1,497 – –
1 3 (319) – 319 –
2 3 – – – –
(536) – – (536)
1,013 – – 1,013
2019 12 31 1,930,072 1,497 1,383 1,932,952
H 191
2020 12 31
23
1 2 3
2020 1 1 660,711 – – 660,711
429,354 – – 429,354
(356,820) – – (356,820)
(350) 278 72 –
1 2 (278) 278 – –
1 3 (72) – 72 –
2 3 – – – –
147 – – 147
(10,513) – – (10,513)
994 – – 994
2020 12 31 723,523 278 72 723,873
1 2 3
2019 1 1 437,630 – – 437,630
415,485 – – 415,485
(205,700) – – (205,700)
– – – –
1 2 – – – –
1 3 – – – –
2 3 – – – –
2,582 – – 2,582
5,822 – – 5,822
4,892 – – 4,892
2019 12 31 660,711 – – 660,711
192
2020 12 31
23
1 2 3
12
2020 1 1 2,455 178 630 3,263
(602) – (26) (628)
– – (83) (83)
– – – –
– – – –
(191) 191 – –
1 2 (191) 191 – –
1 3 – – – –
2 3 – – – –
183 313 3 499
(1) – – (1)
2020 12 31 1,844 682 524 3,050
1 2 3
12
2019 1 1 2,884 – 485 3,369
(148) – (13) (161)
– – – –
– – 13 13
(56) 52 4 –
1 2 (52) 52 – –
1 3 (4) – 4 –
2 3 – – – –
(226) 126 141 41
1 – – 1
2019 12 31 2,455 178 630 3,263
H 193
2020 12 31
23
1 2 3
12
2020 1 1 660 – 393 1,053
84 – – 84
– – (27) (27)
– – – –
– – – –
(28) 3 25 –
1 2 (3) 3 – –
1 3 (25) – 25 –
2 3 – – – –
31 8 193 232
(77) – (21) (98)
2020 12 31 670 11 563 1,244
1 2 3
12
2019 1 1 718 – 467 1,185
114 – (81) 33
– – – –
– – – –
– – – –
1 2 – – – –
1 3 – – – –
2 3 – – – –
(193) – – (193)
21 – 7 28
2019 12 31 660 – 393 1,053
194
2020 12 31
24
24.1
%
2007 12 20 14,000,000,000 100.00
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 15 230,000,000 97.29
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 7 350,000,000 100.00
2017 12 29 10,000,000,000 100.00
2018 1 29 37,900,000,000 100.00
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. 2016 11 30 313,686,111 80.00
2020 12 31
24.2
(1) 2020 3 55.00 2020 12 31
100%
(2) 2020 12 1.70 2020 12 31
97.29%
(3) 2020 2.50 2020 12 31
100%
(4) 2020 120.00 69.77 2020 12
31 100%
H 195
2020 12 31
24
24.3
2020 12 31
2019 12 31
2020 12 31
2019 12 31
2020 12 31 PricewaterhouseCoopers, Société
coopérative 2019 12 31 PricewaterhouseCoopers, Société coopérative
2020 12 31 Bocom Brazil Holding Company Ltda BANCO Bocom BBM S.A.
PricewaterhouseCoopers LLP 2019 12 31 PricewaterhouseCoopers LLP
25
2020 12 31 2019 12 31
3,312 3,506
1,328 1,080
77 71
(147) (93)
4,570 4,564
111 36
4,681 4,600
27.41 2001 12 3
2020 12 31 9.01% 2019 12
31 9.01%
14 3
33.20 2011 12 30
2020 12 31 10.60% 2019 12 31
10.60%
12 3
196
2020 12 31
26
2020 1 1 61,764 2,625 26,034 133,756 9,378 233,557
70 1,870 2,822 18,424 98 23,284
(293) – (2,201) (15,475) (156) (18,125)
616 (950) – – 334 –
589 – – – – 589
(3) – – – – (3)
– (176) – – – (176)
2020 12 31 62,743 3,369 26,655 136,705 9,654 239,126
2020 1 1 (18,678) – (20,644) (16,876) (5,824) (62,022)
(1,982) – (2,027) (6,882) (783) (11,674)
200 – 1,992 2,517 122 4,831
1 – – – – 1
2020 12 31 (20,459) – (20,679) (21,241) (6,485) (68,864)
2020 1 1 – (16) – (340) – (356)
– – – (485) – (485)
– – – – – –
– – – 50 – 50
2020 12 31 – (16) – (775) – (791)
2020 12 31 42,284 3,353 5,976 114,689 3,169 169,471
2020 12 31 584.96 2019 12 31
599.57
2020 12 31 1.98 2019 12 31 1.98
H 197
2020 12 31
26
2019 1 1 61,594 2,407 26,235 107,841 9,133 207,210
173 965 2,121 28,157 103 31,519
(468) – (2,322) (2,242) (124) (5,156)
326 (731) – – 405 –
139 (16) – – (139) (16)
2019 12 31 61,764 2,625 26,034 133,756 9,378 233,557
2019 1 1 (16,860) – (20,726) (11,102) (5,103) (53,791)
(1,975) – (2,095) (5,878) (822) (10,770)
157 – 2,177 104 101 2,539
2019 12 31 (18,678) – (20,644) (16,876) (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 5,390 116,540 3,554 171,179
198
2020 12 31
27
2020 12 31 25%
2019 12 31 25% 16.5% 2019 12 31
16.5%
2020 1 1 21,078 1,840 (530) 1,371 (680) (1,574) 1,642 23,147
3,725 328 (766) (1,408) (26) 643 103 2,599
32 – 801 129 (3) – – 959
2020 12 31 24,835 2,168 (495) 92 (709) (931) 1,745 26,705
2019 1 1 18,947 1,516 484 (412) (584) (538) 1,964 21,377
2,742 324 – 1,778 (96) (1,036) (322) 3,390
(611) – (1,014) 5 – – – (1,620)
2019 12 31 21,078 1,840 (530) 1,371 (680) (1,574) 1,642 23,147
H 199
2020 12 31
27
2020 12 31 2019 12 31
(6,272) (1,568) (4,632) (1,158)
(3,724) (931) (8,272) (2,068)
(54,212) (13,648) (20,937) (5,235)
(2,836) (709) (2,720) (680)
(876) (219) (2,408) (602)
(67,920) (17,075) (38,969) (9,743)
99,340 24,835 84,312 21,078
8,672 2,168 7,361 1,840
– – 1,976 494
4,292 1,073 2,512 628
55,942 13,740 26,424 6,606
7,855 1,964 8,979 2,244
176,101 43,780 131,564 32,890
108,181 26,705 92,595 23,147
2020 12 31 2019 12 31
27,991 24,065
(1,286) (918)
200
2020 12 31
28
2020 12 31 2019 12 31
44,950 46,798
(a) (2,764) (2,717)
11,865 10,517
(b) 7,353 7,894
(c) 6,669 6,521
(1)
3,784 3,827
2,057 1,936
(d) 1,550 1,368
599 714
967 759
(e) 401 430
466 493
33 33
16,735 8,077
94,665 86,650
1
(a)
2020 2020
1 1 12 31
(2,717) (1,972) 1,117 929 – (107) (14) (2,764)
(2,717) (1,972) 1,117 929 – (107) (14) (2,764)
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)
(b)
2020 2020
1 1 12 31
7,894 (577) 180 (144) 7,353
2019 2019
1 1 12 31
7,899 – 31 (36) 7,894
H 201
2020 12 31
28
(b)
2020 12 31
2020
12 31
– – 988 988
– – 6,365 6,365
(c)
2020 12 31 2019 12 31
13,513 14,493
3,030 2,124
(2,850) (3,104)
13,693 13,513
(6,992) (7,372)
(2,445) (2,550)
2,413 2,930
(7,024) (6,992)
6,669 6,521
6,532 6,344
2020 12 31 1.36 2019 12 31
1.95
202
2020 12 31
28
(d)
2020 1 1 3,386
522
–
(20)
2020 12 31 3,888
2020 1 1 (2,018)
(326)
–
6
2020 12 31 (2,338)
1,550
2019 1 1 3,028
365
–
(7)
2019 12 31 3,386
2019 1 1 (1,719)
(305)
–
6
2019 12 31 (2,018)
1,368
H 203
2020 12 31
28
(e)
2020 2020
1 1 12 31
200 – – – 200
122 – – – 122
BANCO Bocom BBM S.A. 108 – – (29) 79
430 – – (29) 401
2019 2019
1 1 12 31
200 – – – 200
122 – – – 122
BANCO Bocom BBM S.A. 115 – – (7) 108
437 – – (7) 430
204
2020 12 31
29
2020 12 31 2019 12 31
472,460 456,314
6,285 6,619
200,025 284,254
28,084 14,213
664,299 602,870
9,548 14,645
3,002 5,672
164,583 154,740
153,341 245,877
2,500 701
9,124 10,303
1,019 1,016
9,706 4,505
3,283 4,325
25,515 21,704
9,312 3,642
25,363 72,553
42 129
1,787,491 1,904,082
30
2020 12 31 2019 12 31
7,868 13,392
16,104 12,950
417 638
4,890 –
29,279 26,980
2020 12 31 2019 12 31
13,175 14,030
12,962 13,976
213 54
2020 12 31 2019 12 31
H 205
2020 12 31
31
2020 12 31 2019 12 31
2,005,934 1,835,688
2,335,590 2,196,096
812,534 762,669
1,379,697 1,207,253
5,499 3,364
6,539,254 6,005,070
68,076 67,838
6,607,330 6,072,908
229,546 246,727
32
BANCO BoCom BBM S.A.
33
2020 12 31 2019 12 31
33.1 25,950 25,950
33.2
113,945 73,843
1,995 1,994
33.3 251,580 194,422
33.3 85,767 83,688
5,145 3,584
484,382 383,481
33.3
13,373 20,437
497,755 403,918
2020 12 31 2019 12 31
33.1
%
11 01 5.75 26,000 2011/10/21 15 (a) 25,950 25,950
25,950 25,950
(a) 2021 10 24 11 01 5.75%
206
2020 12 31
33
33.2
%
14 01
3.625 500 2014/10/03 12 (a) 3,984 3,883
17 4.50 30,000 2017/04/11 10 (b) 29,973 29,960
19 01 4.10 30,000 2019/08/14 10 (c) 29,993 30,000
19 02 4.49 10,000 2019/08/14 15 (d) 9,999 10,000
20 3.24 40,000 2020/05/19 10 (e) 39,996 –
113,945 73,843
18 5.15 2,000 2018/09/18 10 (f) 1,995 1,994
1,995 1,994
115,940 75,837
(a) 2021 10 3 14 01 2021 10 3
5 300
(b)
5 2022 4 13
(c)
2024 8 16
(d)
2029 8 16
(e)
2025 5 21
(f)
5 2023 9 20
H 207
2020 12 31
33
33.3
%
15 3.45 30,000 2015/12/17 5 – 30,000
16 02 3.25 20,000 2016/11/18 5 20,000 20,000
17 4.29 20,000 2017/10/26 3 – 20,000
18 3.79 10,000 2018/11/28 3 10,000 10,000
19 01 3.35 50,000 2019/11/25 3 50,000 50,000
19 02 3.35 40,000 2019/12/11 3 40,000 40,000
20 01 3.18 50,000 2020/08/05 3 50,000 –
20 02 3.50 40,000 2020/11/11 3 40,000 –
14 C 4.15 500 2014/06/23 7 500 498
17 01 3MLibor+0.78 700 2017/05/15 3 – 4,886
17 02 3MLibor+0.88 300 2017/05/15 5 1,957 2,094
17 03 3MLibor+0.80 400 2017/12/04 3 – 2,792
17 04 3MLibor+0.90 600 2017/12/04 5 3,915 4,188
18 01 3MLibor+0.75 600 2018/05/17 3 3,915 4,188
18 02 3MLibor+0.85 700 2018/05/17 5 4,567 4,886
20 01 2.25 2,800 2020/01/22 2 2,357 –
20 02 3MLibor+0.58 1,300 2020/01/22 3 8,482 –
20 04 3MLibor+0.75 100 2020/06/05 3 651 –
20 05 3MLibor+0.80 650 2020/07/20 3 4,241 –
20 06 3MLibor+0.90 400 2020/07/20 5 2,610 –
20 07 1.20 800 2020/09/10 5 5,199 –
20 08 3MLibor+0.80 350 2020/09/10 3 2,284 –
P14JHTP1C 3.90 700 2014/12/04 7 702 692
P14JHTP1D 4.00 200 2014/12/04 10 200 198
251,580 194,422
13 3.75 500 2013/03/06 10 3,260 3,484
5 3.125 385 2015/08/18 5 – 2,497
5 2.625 600 2016/03/15 5 3,914 4,179
3 3.50 300 2018/01/25 3 1,957 2,090
5 3.75 950 2018/01/25 5 6,179 6,592
10 4.00 250 2018/01/25 10 1,614 1,727
19 110%SELIC 200 2019/01/30 5 48 66
16 03 3.25 500 2016/09/07 5 449 449
17 01 4.53 2,000 2017/07/18 3 – 1,949
17 02 4.60 3,000 2017/08/22 3 – 2,398
17 03 4.70 3,000 2017/10/18 3 – 2,398
18 01 4.53 4,000 2018/07/05 3 3,998 3,994
18 02 4.14 4,000 2018/10/22 3 3,997 3,993
19 01 3.68 5,000 2019/05/20 3 4,994 4,550
19 02 3.65 5,000 2019/07/08 3 4,994 4,990
19 03 3.49 3,500 2019/10/22 3 3,495 3,492
20 01 3.65 3,000 2020/11/05 3 2,915 –
Azure Nova 2.625 1,000 2016/10/25 5 6,514 6,956
Azure Nova 3.00 700 2017/03/21 3 – 4,882
Azure Nova 3.50 1,050 2017/03/21 5 6,843 7,308
Azure Nova 4.25 250 2017/03/21 10 1,626 1,737
19 01 4.00 800 2019/01/22 3 3,726 4,134
19 02 4.375 700 2019/01/22 5 2,713 3,139
19 03 3MLibor+1.20 120 2019/04/12 3 783 837
19 04 3MLibor+1.175 400 2019/09/05 5 1,319 1,408
19 05 2.625 200 2019/09/05 5 767 914
19 06 3MLibor+1.05 180 2019/10/25 3 1,174 1,256
19 07 3MLibor+1.075 600 2019/12/10 5 1,773 2,269
20 01 3MLibor+0.95 500 2020/03/02 5 2,021 –
20 02 3MLibor+0.83 300 2020/03/02 3 1,602 –
20 03 1.750 350 2020/07/08 3 1,650 –
20 04 3MLibor+1.70 450 2020/07/08 5 1,457 –
20 01 2.70 3,000 2020/03/11 3 2,997 –
20 02 2.80 7,000 2020/03/11 5 6,988 –
85,767 83,688
337,347 278,110
208
2020 12 31
33
33.3
%
14 4.00 500 2014/02/14 7 428 462
17 3MLibor+0.78 850 2017/02/21 3 – 5,931
18 2.95 3,000 2018/05/18 2 – 2,743
19
3.40 2,500 2019/03/21 2 2,526 2,526
19 2.85 3,500 2019/03/21 5 3,157 3,186
19 3MLibor+0.78 800 2019/03/21 3 5,226 5,589
20 03 3.15 2,000 2020/01/22 2 2,036 –
13,373 20,437
34
2020 12 31 2019 12 31
58,842 43,347
31,482 28,065
23,212 19,275
11,591 11,118
6,893 7,661
6,532 6,344
(a) 1,032 1,029
(b) 10,500 6,332
4,208 4,536
2,571 2,845
124 87
1
44,835 32,742
201,822 163,381
(a)
2020 2020
1 1 12 31
1,029 120 (29) (88) – 1,032
2019 2019
1 1 12 31
982 421 (3) (371) – 1,029
H 209
2020 12 31
34
(b)
1 2 3
12
2020 1 1 5,358 974 – 6,332
1,443 2,261 – 3,704
(35) (651) – (686)
(928) 928 – –
1 2 (928) 928 – –
1,037 133 – 1,170
(17) (3) – (20)
2020 12 31 6,858 3,642 – 10,500
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
35
1
2020 1 1 74,263 74,263 113,663
2020 12 31 74,263 74,263 111,428
1
2019 1 1 74,263 74,263 113,663
2019 12 31 74,263 74,263 113,663
2020 12 31 2019 12 31 A 39,251 H 35,012
1
210
2020 12 31
35
2020 12 31 2019 12 31
2020 2020
1 1 12 31
113,005 – (2,235) 110,770
658 – – 658
113,663 – (2,235) 111,428
2019 2019
1 1 12 31
113,005 – – 113,005
658 – – 658
113,663 – – 113,663
2020 7 29 2015 7 29 24.50
36
36.1
36.1.1
%
2016 9 2 3.90 100 450,000,000 45,000 45,000
45,000
(48)
44,952
36.1.2
2020 2020
1 1 12 31
122,500,000 – (122,500,000) –
14,924 – (14,924) –
450,000,000 – – 450,000,000
44,952 – – 44,952
2020 7 29
2015 7 29 24.50
H 211
2020 12 31
36
36.1
36.1.3
(a)
(1) 5.00%
(2) 5 5 3.344%
(b)
(c)
1.00 7.7555 H 6.51
(d)
(e)
2020 7 29
212
2020 12 31
36
36.1
36.1.3
(a)
(1) 3.90%
(2) 5 20 5
0.01% 1.37%
(b)
(c)
A 6.25
(d)
(e)
2021 9 2
H 213
2020 12 31
36
36.2
36.2.1
%
(1) 2019 9 20 4.20 100 400,000,000 40,000 40,000
(2) 2020 9 25 4.59 100 300,000,000 30,000 30,000
(3) 2020 11 18 3.80 200,000 14,000 2,800 18,366
88,366
(26)
88,340
36.2.2
(1) 2019 9 18 400
2019 9 20 100
4.20% 5
5 5
5.125%
5.125%
214
2020 12 31
36
36.2
36.2.2
(2) 2020 9 23 300
2020 9 25 100
4.59% 5
5 5
(3) 2020 11 18 28
3.80% 5
5 5
H 215
2020 12 31
36
36.3
2020 12 31 2019 12 31
866,607 793,247
733,315 693,377
44,952 59,876
88,340 39,994
12,021 7,665
8,763 7,665
39 3,258 –
2020 12 31 38
37
10%
50%
2020 6 30 2019 7,075
2020 1 1 2020 12 31
64,897 7,534 – 72,431
139,853 77 – 139,930
204,750 7,611 – 212,361
2012 7 1 [2012]20
1.5%
2020 6 30
2019 2019
2020 1 1 2020 12 31
117,567 5,596 – 123,163
2020 6 30 2019 4,454
11
216
2020 12 31
37
2019 12 31 3,421
(2,452)
(1,344)
858
(27)
2020 12 31 456
2018 12 31 1,397
4,681
(1,031)
(1,637)
11
2019 12 31 3,421
2020 1 1 177,141
78,274
(7,534)
(5,596)
(77)
(23,393)
(2,714)
(1,680)
27
2020 12 31 214,448
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
H 217
2020 12 31
38
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
39
2020 12 31
32.58
2020 3 3
2020 3 3
500
2025 3 3
3.725%
2.525%
2020
65
218
2020 12 31
40
2020 12 31 2019 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 12 31 2019 12 31
62,224 60,310
2020 12 31 2019 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
H 219
2020 12 31
40
2020 12 31 815.48
2019 12 31 837.77
2020 12 31 2019 12 31
34
2020 12 31 2019 12 31
3,876 5,011
34 1,032 1,029
41
(1)
12
2020 2019 2020 2019
12 31 12 31 12 31 12 31
520,254 468,085 456,210 387,547
28,854 78,041 28,854 78,041
549,108 546,126 485,064 465,588
46
(2)
2020 12 31
2019 12 31
2020 12 31 2019 12 31
220
2020 12 31
42
2020 12 31
(218) 54 (164)
26 (7) 19
(244) 61 (183)
(2,122) 377 (1,745)
(1,022) 102 (920)
(1,100) 275 (825)
(676) 129 (547)
(1,761) 399 (1,362)
1,085 (270) 815
(4,776) – (4,776)
(1,606) 402 (1,204)
7 – 7
(132) – (132)
15 (3) 12
(9,508) 959 (8,549)
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
H 221
2020 12 31
43
90
2020 12 31 2019 12 31
171,950 85,246
135,170 82,489
307,120 167,735
44
2020 12 31
367.16 2019 12 31
211.29
45
2020 12 31
2020 12 31 12,119.59 2019 12 31
10,032.26 5,698.41 3,398.71
2,736.99 2019 12 31 7,413.61
2,256.43 2,845.98
2020 12 31
63.63 2019 12 31 39.48
0.01 2019 12 31 12.04
222
2020 12 31
45
2020 12 31 2019 12 31
2020 12 31
243,980 – – 243,980
3,956 – 101,599 105,555
2,729 619 – 3,348
– – 134 134
250,665 619 101,733 353,017
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
H 223
2020 12 31
46
46.1
2020 12 31 2019 12 31
29
2020 2019 2020 2019
12 31 12 31 12 31 12 31
2,020 10,582 1,806 9,828
46.2
2020 12 31 126.40 2019 12 31
66.20
46.3
2020 12 31 534.92
416.00 2019 12 31 557.02 551.44
152.72 2019
11.28
2020 12 31
42.75 2019 12 31 48.64
46.4
2020 12 31
185.33 2019 131.32 85.17
2019 47.33
224
2020 12 31
47
(a)
2020 12 31 177.32 2019 12 31 177.32
23.88% 2019 12 31 23.88%
2020 12 31 2019 12 31
801,187 656,917
12 31
2020 2019
22,081 18,828
129 104
12 31
2020 2019
% %
0.13~5.32 0.13~5.41
(b)
2020 12 31 121.60 2019 12 31
129.09 16.37% 2019 12 31 17.38%
2020 12 31 2019 12 31
87,356 71,314
12 31
2020 2019
(3,523) (1,031)
12 31
2020 2019
% %
3.85~5.30 3.85~6.10
H 225
2020 12 31
47
(c)
2020 12 31 138.86 2019 12 31 138.86
18.70% 2019 12 31 18.70%
2020 12 31 2019 12 31
11,328 1,302
2,370 798
2,709 1,323
432 230
3,354 4,634
8,261 10,373
212 2,424
2,963 979
192,032 161,086
12 31
2020 2019
203 231
(202) (403)
52 56
(8) (8)
(264) (305)
12 31
2020 2019
% %
0.01~3.42 0.01~3.10
1.49~6.00 3.30~4.13
3.26~4.74 3.26~4.74
0.002~4.95 1.50~4.75
(0.24)~4.12 (0.24)~3.80
0.50~0.70 0.36~0.75
226
2020 12 31
47
(d)
(e)
2020 12 31 2019 12 31
141,231 91,645
521 1,296
891 1,915
1,240 2,266
8,986 13,055
1,736 429
808 137
16,236 19,896
429 543
14,873 3,544
51 51
97 36
12 31
2020 2019
27 10,327
– 28,312
12 31
2020 2019
2,024 2,531
(377) (458)
1,251 943
(191) (97)
570 562
(184) (214)
138 755
H 227
2020 12 31
47
(e)
12 31
2020 2019
% %
0.01~5.69 (0.10)~5.40
1.97~4.38 2.63~4.38
1.18~4.70 0.76~4.70
0.95~4.38 1.00~4.38
1.61~3.97 2.18~3.97
0.01~4.50 (0.10)~9.15
0.70~4.18 1.50~3.03
5.75 5.75
(f)
2020 12 31 2019 12 31
6 18
1 3
15
(g)
2020 12 31 2019 12 31
100 –
7 4
4,767 3,371
44 52
16 3
– 3
2,094 5,193
10,337 9,288
228
2020 12 31
47
(g)
12 31
2020 2019
195 165
(2) (2)
(14) 1
12 31
2020 2019
% %
0.30~3.05 0.35~3.88
2.95~5.39 3.92~4.90
0.01~1.55 0.01~5.50
0.30~1.89 0.30~1.35
(h)
2020 12 31 2019 12 31
744 2,355
204 204
92 1,871
42,313 48,118
12 31
2020 2019
45 74
(1,593) (1,507)
12 31
2020 2019
% %
0.30~5.06 0.30~6.31
3.19~3.78 3.19~3.78
0.30~3.15 2.70~5.80
0.30~4.18 1.10~4.18
H 229
2020 12 31
48
(1)
(2)
(3)
(4)
(5)
(6)
(7)
(8)
230
2020 12 31
48
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)
H 231
2020 12 31
48
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) (450) (419) (664) (407) (263) (281) (810) (32,376)
232
2020 12 31
48
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)
H 233
2020 12 31
48
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)
234
2020 12 31
48
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)
H 235
2020 12 31
48
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)
49
(a)
2020 12 31 2019 12 31
807,383 756,179
670,148 719,284
54,494 19,960
5,441,506 4,971,617
391,648 337,752
1,980,248 1,905,492
555,787 548,454
4,178 4,055
79,272 54,167
50,500 50,795
26,262 22,571
69,219 61,539
10,130,645 9,451,865
236
2020 12 31
49
(a)
2020 12 31 2019 12 31
1,672,012 1,809,364
23,972 26,342
54,311 26,076
6,404,997 5,914,089
627,011 493,873
2,643 5,524
58 102
408,906 317,205
107,985 97,535
9,301,895 8,690,110
74,263 74,263
133,292 99,870
44,952 59,876
88,340 39,994
111,226 113,427
324,383 318,251
185,586 155,944
828,750 761,755
10,130,645 9,451,865
2021 3 26
H 237
2020 12 31
49
(b)
2020 1 1 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
– – – – – – – – – – – – – 68,969 68,969
– – – – – – – (3,096) 7 58 (2,257) (132) 12 – (5,408)
– – – – – – – (3,096) 7 58 (2,257) (132) 12 68,969 63,561
– (14,924) 48,346 (2,201) – – – – – – – – – – 31,221
– – – – – – – – – – – – – (23,393) (23,393)
– – – – – – – – – – – – – (2,714) (2,714)
– – – – – – – – – – – – – (1,680) (1,680)
– – – – 7,075 – 4,465 – – – – – – (11,540) –
2020 12 31 74,263 44,952 88,340 111,226 70,147 139,764 115,920 (769) 12 40 (1,964) (142) 1,375 185,586 828,750
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
50
238
240
241
241
242
243
H 239
1
2020 12 31
971,473 232,530 200,619 1,404,622
(866,247) (339,250) (131,716) (1,337,213)
1,130,911 298,686 81,772 1,511,369
(1,293,531) (155,669) (141,908) (1,591,108)
(1,878) 41 2,663 826
(59,272) 36,338 11,430 (11,504)
117,569 30,147 11,065 158,781
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
240
2
10%
2020 12 31
509,860 53,881 568,620 – 1,132,361
129,213 23,119 299,229 – 451,561
41,818 28,597 70,286 – 140,701
575 613 – – 1,188
42,235 2,727 31,132 – 76,094
594,488 85,818 670,038 – 1,350,344
2019 12 31
438,418 34,641 623,377 – 1,096,436
119,731 16,732 256,174 – 392,637
50,069 32,202 74,282 – 156,553
737 594 – – 1,331
27,956 211 32,787 – 60,954
517,180 67,648 730,446 – 1,315,274
3
3.1
2020 12 31 2019 12 31
25,480 28,923
10,884 9,694
23,261 18,924
30,578 32,979
90,203 90,520
(%)
0.44 0.55
0.19 0.17
0.40 0.36
0.51 0.63
1.54 1.71
H 241
3
3.2
2020 12 31 2019 12 31
8,299 7,634
2,394 1,949
0.04 0.04
4
4.1
2020 12 31 2019 12 31
20,932 (11,747) 12,836 (8,356)
7,332 (4,050) 6,056 (3,557)
17,058 (12,068) 9,646 (7,585)
18,005 (9,808) 11,369 (7,914)
9,220 (6,105) 11,951 (8,844)
10,998 (7,891) 13,826 (9,625)
10,567 (10,466) 11,146 (11,514)
94,112 (62,135) 76,830 (57,395)
3,586 (843) 1,213 (652)
97,698 (62,978) 78,043 (58,047)
4.2
2020 12 31 2019 12 31
16,505 (10,996) 14,289 (7,156)
6,167 (3,208) 5,267 (3,013)
14,517 (10,140) 10,603 (7,998)
13,622 (8,252) 13,405 (7,334)
7,312 (4,748) 10,017 (7,369)
10,283 (7,194) 15,384 (9,270)
18,251 (13,048) 20,582 (13,877)
86,657 (57,586) 89,547 (56,017)
3,546 (976) 973 (710)
90,203 (58,562) 90,520 (56,727)
44,069 44,293
242
5
5.1
2020 12 31 2019 12 31
% %
1,325 0.68 – 957 0.44 –
4,441 2.28 21 863 0.39 316
312 0.16 6 3,079 1.40 636
15,599 8.02 5,401 30,300 13.81 4,736
861 0.44 365 1,529 0.70 400
4,469 2.30 1,009 11,125 5.07 1,012
14,550 7.48 2,540 16,682 7.61 4,040
3,257 1.67 8 1,059 0.48 31
15,912 8.18 3,657 37,106 16.92 3,438
5,339 2.74 594 10,405 4.74 2,354
55,315 28.43 16,532 24,510 11.17 10,677
6,636 3.41 2,903 8,840 4.03 3,152
29,347 15.09 5,640 41,297 18.84 5,932
157,363 80.88 38,676 187,752 85.60 36,724
23,621 12.14 23,616 17,496 7.98 17,479
97 0.05 – 146 0.07 –
13,492 6.93 12,745 13,936 6.35 12,876
37,210 19.12 36,361 31,578 14.40 30,355
194,573 100.00 75,037 219,330 100.00 67,079
5,653,851 5,084,945
2017 (GB/T 4754-2017)
2020 12 31 52% 2019 12 31 47%
H 243
5
5.2
2020 12 31 2019 12 31
78,925 (47,973) 59,469 (42,085)
18,773 (15,005) 18,574 (15,962)
97,698 (62,978) 78,043 (58,047)
46,359 29,398
2020 12 31 2019 12 31
29,855 (33,248) 3,340 29,605 (27,547) 1,464
26,414 (20,580) 1,712 19,476 (14,436) 1,224
56,269 (53,828) 5,052 49,081 (41,983) 2,688
244
1
2020 12 31
1 10,697,545
2 (70,282)
3 0
4 33,617
5 2,022
6 844,884
7 (5,252)
8 11,502,534
2020 12 31
1 10,495,019
2 (5,252)
3 10,489,767
4 54,236
5 33,617
6 0
7 0
8 0
9 0
10 0
11 87,853
12 78,008
13 0
14 2,022
15 0
16 80,030
17 2,007,150
18 (1,162,266)
19 844,884
20 862,219
21 11,502,534
22 (%) 7.50
1
H 245
( )
2: 2020
1 2,072,221
2 1,946,900 184,124
3 209,062 10,340
4 1,737,838 173,784
5 4,406,513 1,806,414
6 2,602,551 649,188
7 1,785,359 1,138,623
8 18,603 18,603
9 9,378
10 1,710,544 862,424
11 839,840 813,889
12 155 155
13 870,549 48,380
14 103,965 103,942
15 1,442,250 51,078
16 3,017,360
17 72,687 72,434
18 896,117 552,217
19 850,806 830,207
20 1,819,610 1,454,858
21 2,072,221
22 1,562,502
23 (%) 132.33
246
( )
3: 2020
<6 6-12 ≥1
1 828,643 127,331 955,974
2 828,643 113,931 942,574
3 13,400 13,400
4 896,613 1,283,476 25,572 1,219 1,997,994
5 230,798 1,787 1,034 869 222,807
6 665,814 1,281,689 24,538 350 1,775,188
7 2,479,375 3,269,053 684,329 495,337 2,931,991
8 2,445,959 112,782 48,424 5,446 1,309,029
9 33,416 3,156,271 635,906 489,890 1,622,963
10 –
11 49,486 271,594 9,627 306,372 304,806
12 45,615
13 49,486 271,594 9,627 260,757 304,806
14 6,190,765
15 348,325
16 164,809 1,120 83,524
17 50,092 1,789,846 957,730 4,120,032 4,758,179
18 45,672 304 161 7,147
19 395,853 169,020 115,292 259,179
20 1 1,323,207 746,618 2,354,942 3,030,823
21 35% 20,744 3,128 30,111 31,508
22 588 696 1,203,897 1,023,954
23 35% –
24 50,091 24,526 41,093 445,741 437,075
25 –
26 166,691 84,112 11,252 150,582 372,309
27 32,151 27,328
28 7,747 6,585
29 39,780 –
30 45,615 9,123
31 134,540 84,112 11,252 103,056 329,273
32 2,749,952 116,593
33 5,678,931
34 (%) 109.01
1
2 30
26
H 247
( )
4: 2020
<6 6-12 ≥1
1 869,669 127,345 997,013
2 869,669 113,945 983,613
3 13,400 13,400
4 863,768 1,381,344 23,554 948 2,053,067
5 204,306 1,100 1,001 723 196,809
6 659,462 1,380,244 22,552 225 1,856,258
7 2,612,633 2,974,829 614,024 535,167 2,928,040
8 2,587,592 105,537 35,375 12,443 1,376,694
9 25,041 2,869,292 578,650 522,725 1,551,346
10 –
11 45,705 210,000 51,420 317,123 319,556
12 55,934
13 45,705 210,000 51,420 261,188 319,556
14 6,297,677
15 377,107
16 138,425 2,000 71,213
17 43,112 1,706,434 869,925 4,178,899 4,755,081
18 9,768 1,465
19 327,729 141,093 110,047 229,753
20 1,332,562 697,844 2,393,281 3,044,017
21 35% 22,544 1,920 28,396 30,690
22 573 690 1,255,332 1,067,664
23 35% –
24 43,112 35,803 30,297 420,239 412,182
25 –
26 165,293 72,072 5,379 184,012 376,069
27 30,253 25,715
28 8,291 7,047
29 54,236 –
30 55,934 11,187
31 135,040 72,072 5,379 121,486 332,120
32 2,705,133 114,747
33 5,694,217
34 (%) 110.60
1
2 30
26
248
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