Bank of Communications Co., Ltd.
03328
2021 12 31
2021
12 31
A 601328
H 03328
1 360021
188
86-21-58766688
86-21-58798398
investor@bankcomm.com
-1-
2021 2020 2019 2018 2017
161,693 153,336 144,083 130,908 124,873
47,573 45,086 43,625 41,237 40,551
269,748 246,724 232,857 213,055 196,520
66,371 62,059 51,954 43,454
74,545 66,004 66,560 64,040 60,405
93,959 86,425 88,200 86,067 83,265
87,581 78,274 77,281 73,630 70,223
11,665,757 10,697,616 9,905,600 9,531,171 9,038,254
1
6,560,400 5,848,424 5,304,275 4,854,228 4,579,256
10,688,521 9,818,988 9,104,688 8,825,863 8,361,983
1
7,039,777 6,607,330 6,072,908 5,793,324 5,545,366
964,647 866,607 793,247 698,405 671,143
2
1.10 0.99 1.00 0.96 0.91
3
10.64 9.87 9.34 8.60 8.23
(%)
0.80 0.77 0.80 0.80 0.81
2
10.76 10.35 11.20 11.36 11.40
4
1.56 1.57 1.58 1.51 1.51
5
29.00 28.29 30.11 31.50 31.85
1.48 1.67 1.47 1.49 1.50
166.50 143.87 171.77 173.13 154.73
6
1,139,957 1,021,246 911,256 817,549 790,381
6
783,877 727,611 689,489 634,807 609,454
6
176,348 134,610 100,057 60,025 59,975
6
179,732 159,025 121,710 122,717 120,952
6
7,379,912 6,695,462 6,144,459 5,690,542 5,646,313
(%)6 15.45 15.25 14.83 14.37 14.00
(%)6 13.01 12.88 12.85 12.21 11.86
(%)6 10.62 10.87 11.22 11.16 10.79
-2-
1.
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
2, 6
4,487,725 14,979,558,684 20.17 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
(330,937,589) 1,891,651,202 2.55 A
– 1,246,591,087 1.68 A
207,403,176 858,910,456 1.16 A
5
– 808,145,417 1.09 A
5
– 745,305,404 1.00 A
– 663,941,711 0.89 A
-3-
1.
2.
H
H 249,218,915 7,648,921,777
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 7,648,921,777
7,027,777,777 621,144,000
A H
12,159,632,900 16.37%
5.
7
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
(%) (%)
9,054,477,3323 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 9,054,477,332
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
1 48,910,000 48,910,000 10.87
– 20,000,000 4.44
5 – 20,000,000 4.44
– 18,000,000 4.00
– 15,000,000 3.33
– 15,000,000 3.33
28
14,000,000 14,000,000 3.11
4 13,000,000 13,000,000 2.89
1 10,225,000 10,225,000 2.27
1.
2.
3.
-6-
2.
2021 4 29
1 1
3.9% 1,755,000,000 2021 9 7
1 5
2021 9 7 1
4.07%
3.
22
37 9
32
2 2021
2.
-7-
1.
2019
2021 4 400
3 3.4%
2020
2021 6 415
5 4.06% 5 5
2021
2021 9 300
3.65% 10 5
2.
2021 10
2011 10 260 15 10
2021 10 2014
5 12 7
509,062,500
2021 11 2016 11
5 200
2021 11 2018 11
3 100
3.
2016 9 4.5
A 72
-8-
875.81
11.89% 2,697.48 9.33%
1.56% 0.01 0.80%
0.03 10.76% 0.41
11.67
9.05% 6.56 0.71 12.17%
7.04 0.43 6.54%
1.48% 0.19
166.50% 22.63
1.33% 0.21
-9-
1.
(1)
939.59 75.34
8.72%
43.12 6.95%
2021 2020 (%)
161,693 153,336 5.45
108,055 93,388 15.71
47,573 45,086 5.52
269,748 246,724 9.33
(66,371) (62,059) 6.95
(2,320) (484) 379.34
(17,054) (15,729) 8.42
(90,044) (82,027) 9.77
(74,545) (66,004) 12.94
93,959 86,425 8.72
(5,020) (6,855) (26.77)
88,939 79,570 11.77
87,581 78,274 11.89
2021
(%) (%)
161,693 59.94 5.45
47,573 17.64 5.52
23,344 8.65 68.62
1,311 0.49 11.38
277 0.10 24.77
16,515 6.12 8.87
19,035 7.06 6.41
269,748 100.00 9.33
- 10 -
(2)
1,616.93 83.57
59.94%
2021 1 12 2020 1 12
(%) (%)
780,069 10,699 1.37 788,180 10,770 1.37
737,444 12,266 1.66 811,543 16,180 1.99
6,154,222 266,419 4.33 5,522,008 251,468 4.55
2,716,367 88,262 3.25 2,672,875 90,683 3.39
10,388,102 377,646 3.64 9,794,606 369,101 3.77
1,018,481 947,106
11,406,583 10,741,712
6,708,100 140,982 2.10 6,325,312 139,142 2.20
1,982,978 38,581 1.95 2,053,415 46,653 2.27
1,270,806 36,390 2.86 1,037,751 29,970 2.89
9,961,884 215,953 2.17 9,416,478 215,765 2.29
1,444,699 1,325,234
11,406,583 10,741,712
161,693 153,336
1
1.47 1.48
2
1.56 1.57
1,3
1.68 1.69
2,3
1.77 1.77
- 11 -
1.
2.
3.
5.45% 1.47%
1 1.56% 1
2021
(%) 1-3 4-6 7-9 10-12
1.44 1.47 1.46 1.50
1.54 1.55 1.54 1.59
1.65 1.68 1.67 1.72
1.75 1.77 1.76 1.81
2021 2020
(71) – (71)
(1,475) (2,439) (3,914)
28,766 (13,815) 14,951
1,474 (3,895) (2,421)
28,694 (20,149) 8,545
8,421 (6,581) 1,840
(1,599) (6,473) (8,072)
6,735 (315) 6,420
13,557 (13,369) 188
15,137 (6,780) 8,357
- 12 -
83.57
151.37
67.80
3,776.46 85.45
2.32%
70.55% 23.37%
2.83%
A.
2,664.19
149.51 5.95%
6,322.14
2021 1 12 2020 1 12
(%) (%)
3,917,298 158,362 4.04 3,531,559 151,301 4.28
1,300,743 44,440 3.42 1,251,162 49,603 3.96
2,616,555 113,922 4.35 2,280,397 101,698 4.46
2,075,137 103,576 4.99 1,797,028 94,684 5.27
547,418 29,541 5.40 493,737 31,033 6.29
1,527,719 74,035 4.85 1,303,291 63,651 4.88
161,787 4,481 2.77 193,421 5,483 2.83
6,154,222 266,419 4.33 5,522,008 251,468 4.55
B.
882.62 24.21
2.67%
14
- 13 -
C.
106.99
0.71 0.66%
81.11
D.
122.66 39.14 24.19%
33
2,159.53 1.88
0.09%
A.
1,409.82 18.40 1.32%
65.28%
- 14 -
2021 1 12 2020 1 12
(%) (%)
4,395,310 88,165 2.01 4,236,366 89,749 2.12
1,897,980 16,706 0.88 1,867,106 17,401 0.93
2,497,330 71,459 2.86 2,369,260 72,348 3.05
2,312,790 52,817 2.28 2,088,946 49,393 2.36
774,599 3,689 0.48 811,519 6,593 0.81
1,538,191 49,128 3.19 1,277,427 42,800 3.35
6,708,100 140,982 2.10 6,325,312 139,142 2.20
B.
385.81 80.72 17.30%
32
C.
363.90
64.20 21.42%
2,330.55
(3)
475.73 24.87 5.52%
- 15 -
2021 2020 (%)
20,136 20,107 0.14
11,775 9,856 19.47
7,484 7,033 6.41
5,664 4,200 34.86
3,120 3,706 (15.81)
2,527 2,617 (3.44)
1,296 1,531 (15.35)
283 248 14.11
52,285 49,298 6.06
(4,712) (4,212) 11.87
47,573 45,086 5.52
(4)
745.45 85.41
12.94% 29.00% 0.71
27%
16.41%
2021 2020 (%)
25,383 22,920 10.75
11,442 9,829 16.41
29,621 25,367 16.77
8,099 7,888 2.67
74,545 66,004 12.94
- 16 -
(5)
686.91 61.48
9.83% 629.45 66.76
11.86%
(6)
50.20 18.35
26.77% 5.34% 25%
2.
(1)
116,657.57 9,681.41
9.05%
2021 12 31 2020 12 31
(%) (%)
6,412,201 54.97 5,720,568 53.48
3,523,249 30.20 3,237,337 30.26
734,728 6.30 817,561 7.64
632,708 5.42 571,130 5.34
362,871 3.11 351,020 3.28
11,665,757 100.00 10,697,616 100.00
- 17 -
2021 12 31 2020 12 31 2019 12 31
(%) (%) (%)
4,138,582 63.09 3,707,471 63.39 3,346,476 63.09
1,309,291 19.96 1,251,162 21.39 1,189,543 22.43
2,829,291 43.13 2,456,309 42.00 2,156,933 40.66
2,285,096 34.83 1,980,882 33.87 1,754,765 33.08
1,489,517 22.70 1,293,773 22.12 1,135,428 21.41
492,580 7.51 464,110 7.94 467,387 8.81
302,999 4.62 222,999 3.81 151,950 2.86
136,722 2.08 160,071 2.74 203,034 3.83
6,560,400 100.00 5,848,424 100.00 5,304,275 100.00
65,604.00
7,119.76 12.17%
6,338.62 12.10%
41,385.82 4,311.11
11.63% 0.30
63.09% 581.29
3,729.82 43.13%
22,850.96 3,042.14
15.36% 0.96
34.83% 1,957.44
15.13% 22.70%
284.70 6.13%
- 18 -
233.49 14.59%
2021 12 31 2020 12 31
(%) (%)
2,085,835 31.79 1,812,785 31.00
1,056,138 16.10 990,248 16.93
3,418,427 52.11 3,045,391 52.07
2,488,276 37.93 2,191,847 37.48
930,151 14.18 853,544 14.59
6,560,400 100.00 5,848,424 100.00
2021 12 31 2020 12 31
140,561 134,052
62,945 56,269
(984) (683)
(47,519) (53,828)
6,324 5,052
(165) (301)
161,162 140,561
35,232.49
2,859.12 8.83%
2021 12 31 2020 12 31
(%) (%)
3,021,272 85.75 2,787,701 86.11
501,977 14.25 449,636 13.89
3,523,249 100.00 3,237,337 100.00
- 19 -
2021 12 31 2020 12 31
(%) (%)
638,483 18.12 482,588 14.91
2,203,037 62.53 2,019,529 62.38
681,729 19.35 735,220 22.71
3,523,249 100.00 3,237,337 100.00
30,212.72
2,335.71 8.38%
2021 12 31 2020 12 31
(%) (%)
2,325,896 76.98 2,057,685 73.81
27,073 0.90 26,940 0.97
472,688 15.65 552,765 19.83
195,615 6.47 150,311 5.39
3,021,272 100.00 2,787,701 100.00
4,726.88
1,477.38 3,249.50
31.25% 68.75%
- 20 -
(%)
2018 6,901 4.99 23/01/2023 1.65
2017 6,330 4.39 07/09/2027 1.47
2017 5,688 4.44 08/11/2022 1.35
2018 5,009 4.98 11/01/2025 1.20
2018 4,400 4.97 28/01/2023 1.05
2017 3,335 4.30 20/08/2024 0.78
2017 3,000 4.38 29/08/2022 17.56
2017 2,983 24/04/2022 0.62
Libor+0.95
2019 2,862 2.70 19/03/2024 0.42
2018 2,750 4.88 08/02/2028 0.66
2021 12 31 2020 12 31
1,437 1,109
(407) (142)
1,030 967
(2)
1
1
- 21 -
106,885.21
8,695.33 8.86%
4,324.47 6.54% 65.86%
1.43
1,916.82 21.18% 10.26%
1.04
70,397.77 4,324.47
6.54% 64.63%
1.08 34.13% 0.95
41.37%
1.29 57.39% 1.16
2021 12 31 2020 12 31 2019 12 31
(%) (%) (%)
4,550,020 64.63 4,341,524 65.71 4,031,784 66.39
2,061,672 29.28 2,005,934 30.36 1,835,688 30.23
2,488,348 35.35 2,335,590 35.35 2,196,096 36.16
2,402,812 34.13 2,192,231 33.18 1,969,922 32.44
850,831 12.09 812,534 12.30 762,669 12.56
1,551,981 22.04 1,379,697 20.88 1,207,253 19.88
3,359 0.05 5,499 0.08 3,364 0.06
83,586 1.19 68,076 1.03 67,838 1.11
7,039,777 100.00 6,607,330 100.00 6,072,908 100.00
(3)
8.
- 22 -
10.
3.
1,943.08
1,128.12
347.75 1,841.73
755.48 190.43
13.06 869.71
4.
(1)
2021 2020
(%) 1
(%) (%) 1
(%)
45,781 48.72 98,807 36.63 38,643 44.71 88,119 35.72
12,027 12.80 23,432 8.69 9,677 11.20 20,354 8.25
13,312 14.17 30,220 11.20 11,894 13.76 27,368 11.09
18,922 20.14 37,080 13.75 15,574 18.02 34,246 13.88
7,520 8.00 24,100 8.93 12,426 14.38 19,987 8.10
(5,899) (6.28) 7,273 2.70 392 0.45 6,672 2.70
7,769 8.27 13,135 4.87 8,453 9.78 13,856 5.62
2
(5,473) (5.82) 35,701 13.23 (10,634) (12.30) 36,122 14.64
3
93,959 100.00 269,748 100.00 86,425 100.00 246,724 100.00
- 23 -
1.
2.
3.
4.
(2)
2021 12 31 2020 12 31
(%) (%)
1,780,637 27.14 1,556,325 26.61
857,521 13.07 711,150 12.16
965,957 14.72 838,415 14.34
1,092,985 16.66 960,512 16.42
774,445 11.80 681,997 11.66
247,023 3.77 232,864 3.98
348,948 5.32 359,368 6.14
492,884 7.52 507,793 8.69
6,560,400 100.00 5,848,424 100.00
2021 12 31 2020 12 31
(%) (%)
1,878,481 26.68 1,756,275 26.58
871,667 12.38 772,738 11.70
1,491,168 21.18 1,371,844 20.76
1,130,712 16.06 1,073,570 16.25
763,629 10.85 735,313 11.13
360,775 5.12 330,485 5.00
456,074 6.48 495,356 7.50
3,685 0.05 3,673 0.06
83,586 1.20 68,076 1.02
7,039,777 100.00 6,607,330 100.00
- 24 -
(3)
2021 2020
(%) (%)
269,748 100.00 246,724 100.00
120,464 44.66 109,755 44.48
124,119 46.01 113,904 46.17
23,528 8.72 21,769 8.82
1,637 0.61 1,296 0.53
93,959 100.00 86,425 100.00
32,950 35.07 40,584 46.96
43,138 45.91 29,297 33.90
17,224 18.33 16,284 18.84
647 0.69 260 0.30
5.
2014
2018
2021
0.75% 15.45%
13.01% 10.62%
- 25 -
2021 12 31 2020 12 31
783,877 659,155 727,611 614,452
960,225 833,945 862,221 747,744
1,139,957 1,006,266 1,021,246 900,694
(%) 10.62 10.01 10.87 10.21
(%) 13.01 12.67 12.88 12.42
(%) 15.45 15.29 15.25 14.96
1.
2.
2021
6.
2021
0.375% 7.60%
2021 12 31 2021 9 30 2021 6 30 2021 3 31
960,225 940,024 919,374 884,862
12,632,573 12,402,546 12,283,568 11,984,683
(%) 7.60 7.58 7.48 7.38
- 26 -
1.
2021
(1)
(2)
- 27 -
+
(3)
AUM
(4)
- 28 -
2021
AUM
457.81
48.72% 4.01
e
6.0
2021 23.60%
2019 32% 2021 55%
29 250
49.23% e
94% APP MAU
17.56% e CIPS
31.28%
90%
(AUM2)
9.26%
173.10
24.32%
2
- 29 -
2.
4,311.11 11.63%
31.37% 14.13% 16.16%
15.30%
3.13 52.15%
1.42
31.16%
1.37 2.3
1,420 90.90%
3.29
(1)
14.21%
41.02%
8.29 8,114
7.08
1,914
203.23 26.5
- 30 -
(2)
e
29
8 3
2,396 330%
20 e
(3)
e
3,388.19
49.23% 21.22
43.49% 4.00%
0.49 1.16%
1.02 2,779
(4)
394.84 28.26
12
23.46%
1,559.98 25.08%
- 31 -
(5)
2.3 19.53% 2,982.41
90.90% 527
304 101.43 51.71
+
1,061.63
(6)
NAFMII 3,895.09
14.68%
326 411
5
7
e
(CRMW)14 41.65
Wind2021
2021
3.
+
3
15.29%
7.3
50%
3
- 32 -
(AUM4) 42,563.8
9.26% 28.37%
64.62% 2.32
22,850.96 15.36%
15.13% 26,034.05
32.02% 30,155.69
3.83% 34.83%
0.96
(1) AUM
+
AUM
1.85
3.76% 200.28
15.31% AUM 42,563.8 3,608.14
9.26%
(2)
6
4
- 33 -
98.37
28.37% 3,193.71
33.73% 3,043
35.76 80.08%
145.78% 9,451.22
7.54% 37.70 11.11%
2,213.81 19.00%
19.09 22.14%
(3)
4.95%5 0.17
14,895.17 15.13%
(4)
TOF CTA
7.04
15.30% 9,951.99
19.36% 6
5
17
6
- 34 -
(5)
+
APP5.0
5.0
APP
38.88% 7,426.88
161.29
9
2020 A
137
70
+
7
30,155.69 3.83%
10.50%
4,924.86
16,575.14 651.25
26,034.05
32.02%
- 35 -
7.30
4.
(1)
1,846.57
(CIPS)
CIPS
CIPS
CIPS
e
e
1,775 225
- 36 -
105
97.22% 91
96.81% 148
98.67%
(2)
71.3
1.84 4.05
3.54 3,661
X-Swap
35,232.49 8.83%
3.25%
121
7
(3)
12.08 16.89%
- 37 -
(4)
16
4,098.59
13,842.78 24.89%
12,246.64 88.47%
27
5.
7
109.52
33.51% 12.50% 2.02
5,438.97 9.74%
4.66% 0.03
2007 12
140
3,188.87
3.11% 358.44 12.72% 2,863.70
6.55% 1,755.53
430 272 35.30
10.27%
120
18
7
- 38 -
SPV
B
+ 425
2007 10 57.65
85% 15%
(QDII)
176.37 144.78 6,091.24
12.35 1.39%
6 A
+ + +
(QDII) + +
N+N+N ABN 2021-2023
100
2005 8 2
65% 30% 5%
2/70 10/88 16/108 4
300% 4 200% 25
100% 69.99 57.24
5,473 61%
17.86 42%
- 39 -
+ FOF
FOF 240
FOF
2019 6
80
2021
102.06 99.29 11.55
73.61%
28
12,246.64
129.43% 4,098.59
33.47%
2021
2010 1 51
MS&AD 62.50% 37.50%
930.18 75.96
169.41 15.48% 9.10
12.07% 10.5%
- 40 -
2017 12
100
50
123.27
47.11 76.16
570.70 143.05 29.06
135.30%
1998 6
2007 5 2017 5 19
73.14%
IPO 23
140
326.62
74.24 3.12
63.3% 2021
2000 11
4 17
7.97 5.85
13.70% 22.59%
30.84% 938 1,301
7.20%
6.
18 23
69
57.01
6.51% 11,872.34
10.18%
- 41 -
(1)
4,831.58
45.24% 339.63 44.52%
(2)
23
126 1,000
31 103 241
31 62 27 81
(3)
219.01
362.68
363.79%
12,121.32 60.50%
(4)
13,704.41 13.51%
159.36 35.69%
- 42 -
1+1
3 18
38
824
(RES)
7.
(1)
PC
17.17%
14.08% 36.62%
73.23%
- 43 -
(2)
6.0
(MAU)3,811.03 22.82%
(3)
APP 5.0
520
APP APP
392.70 2021 10 APP
APP APP
7,026.58 2,657.26
82.99% 55.37%
(4)
(5)
e
1,369
2.6 256
36.66 6.09 4.57
(6)
10
236.84
- 44 -
8.
8
87.50 23.60%
4.03% 0.50
4,539
5.03%
(1) IT
POWER P (Platform) O (Open) W
(Wise) E (Enterprise) R (Reinvent)
CIPS 2020
2021
2021 SAIL
TOP30
(2)
6.0
e
e
8
- 45 -
7
300
3D 4G
(3)
3.1
12 59
133
(4)
95559 +AI
20% 91%
5
- 46 -
(5)
7 24
99.99%
+
60
11
32
+
- 47 -
1.
2.
2021
2020
3.
- 48 -
839.36
10.25
5.49
1.25% 0.1
2.2% 0.07
967.96 1.48% 9.02
0.19
2021 12 31 2020 12 31 2019 12 31
(%) (%) (%)
6,374,975 97.17 5,668,199 96.92 5,111,715 96.37
88,629 1.35 82,527 1.41 114,517 2.16
6,463,604 98.52 5,750,726 98.33 5,226,232 98.53
52,960 0.81 52,652 0.90 16,963 0.32
25,978 0.40 26,713 0.46 42,508 0.80
17,858 0.27 18,333 0.31 18,572 0.35
96,796 1.48 97,698 1.67 78,043 1.47
6,560,400 100.00 5,848,424 100.00 5,304,275 100.00
- 49 -
2021 12 31 2020 12 31
(%) (%) (%) (%)
73,858 1.78 53,503 1.29 71,677 1.93 60,851 1.64
14,737 0.64 33,653 1.47 10,841 0.55 29,264 1.48
3,966 0.27 9,001 0.60 2,395 0.19 7,132 0.55
9,637 1.96 20,462 4.15 7,684 1.66 18,245 3.93
381 0.20 1,533 0.81 204 0.17 1,648 1.36
753 0.66 2,657 2.32 558 0.55 2,239 2.19
34 0.02 6 0.004 9 0.01 88 0.05
88,629 1.35 87,162 1.33 82,527 1.41 90,203 1.54
535.03 73.48
1.29% 0.35 336.53
43.89 1.47% 0.01
2021 12 31 2020 12 31
(%) (%) (%) (%)
4,138,582 63.09 77,618 1.88 3,707,471 63.39 78,830 2.13
2,285,096 34.83 19,168 0.84 1,980,882 33.87 18,773 0.95
1,489,517 22.70 5,083 0.34 1,293,773 22.12 4,849 0.37
492,580 7.51 10,821 2.20 464,110 7.94 10,558 2.27
188,293 2.87 1,301 0.69 120,985 2.07 1,542 1.27
114,706 1.75 1,963 1.71 102,014 1.74 1,824 1.79
136,722 2.08 10 0.01 160,071 2.74 95 0.06
6,560,400 100.00 96,796 1.48 5,848,424 100.00 97,698 1.67
- 50 -
2021 12 31 2020 12 31
(%) (%) (%) (%)
4,138,582 63.09 77,618 1.88 3,707,471 63.39 78,830 2.13
763,419 11.64 10,873 1.42 708,649 12.12 9,738 1.37
732,565 11.16 28,305 3.86 658,203 11.25 29,301 4.45
650,742 9.92 11,517 1.77 577,500 9.87 10,876 1.88
419,820 6.40 5,260 1.25 348,185 5.95 4,711 1.35
382,201 5.83 3,357 0.88 334,399 5.72 234 0.07
268,772 4.10 2,496 0.93 221,313 3.78 2,156 0.97
215,554 3.29 5,649 2.62 204,856 3.50 9,823 4.80
157,729 2.40 1,504 0.95 135,732 2.32 3,683 2.71
132,633 2.02 – – 118,702 2.03 10 0.01
122,196 1.86 2,759 2.26 112,961 1.93 2,908 2.57
120,216 1.83 2,413 2.01 125,367 2.14 2,625 2.09
77,884 1.19 743 0.95 85,570 1.48 1,075 1.26
60,718 0.93 1,149 1.89 41,148 0.70 989 2.40
34,133 0.52 1,593 4.67 34,886 0.60 701 2.01
2,285,096 34.83 19,168 0.84 1,980,882 33.87 18,773 0.95
136,722 2.08 10 0.01 160,071 2.74 95 0.06
6,560,400 100.00 96,796 1.48 5,848,424 100.00 97,698 1.67
2.30% 0.3
- 51 -
2021 12 31 2020 12 31
(%) (%) (%) (%)
1,780,637 27.14 22,399 1.26 1,556,325 26.61 20,149 1.29
857,521 13.07 5,559 0.66 711,150 12.16 7,332 1.03
965,957 14.72 13,893 1.44 838,415 14.34 17,058 2.03
1,092,985 16.66 19,224 1.76 960,512 16.42 18,788 1.96
774,445 11.80 9,661 1.25 681,997 11.66 9,220 1.35
247,023 3.77 12,090 4.89 232,864 3.98 10,998 4.72
348,948 5.32 3,139 0.90 359,368 6.14 3,586 1.00
492,884 7.52 10,831 2.20 507,793 8.68 10,567 2.08
6,560,400 100.00 96,796 1.48 5,848,424 100.00 97,698 1.67
1.
2.
2021 12 31 2020 12 31
(%) (%)
3 23,164 0.35 25,480 0.44
3 1 29,433 0.45 34,145 0.58
1 3 27,164 0.42 25,916 0.44
3 7,401 0.11 4,662 0.08
87,162 1.33 90,203 1.54
60
90 66%
871.62 30.41
1.33% 0.21 90 639.98
7.25
- 52 -
2021 12 31 2020 12 31
(%) (%)
8,792 0.13 8,299 0.14
1,625 0.02 2,394 0.04
(%) 2021 2020 2019
1.86 1.84 1.71
45.72 46.59 29.76
29.61 25.48 42.76
17.42 19.92 10.92
3.21%
15.98%
2021 12 31
(%)
A 36,593 0.57
B 34,700 0.53
C 25,000 0.38
D 13,677 0.21
E 12,864 0.20
F 12,768 0.19
G 12,114 0.18
H 12,000 0.18
I 11,319 0.17
J 11,148 0.17
182,183 2.78
- 53 -
4.
(VaR)
(SVaR) 1 10
99%
5.
- 54 -
2021 2020 2019
12 31 12 31 12 31
(%) ≥25 67.11 69.24 72.92
30
30
2,000
100% 2021
115.70%
92 7.59
- 55 -
2,000
100% 2021
109.93% 0.87
2021 108.64% 1.29
6.
7.
- 56 -
8.
9.
IT
10.
11.
- 57 -
(TCFD)
2021
2022
2022
2022
- 58 -
1.
90,238 84,113
2,577 3,548
2,466
45.28% 54.72%
28,902
579 0.69% 15,490
18.42% 12,833 15.26%
12,303 14.63% 59,324 70.53%
12,486 14.84%
- 59 -
(%)
29,362 34.91
23,979 28.51
7,694 9.15
6,258 7.44
5,504 6.54
4,074 4.84
1,387 1.65
5,855 6.96
84,113 100.00
(%) (%) (%)
2,881,066 24.70 711 24.04 25,307 29.19
1,059,386 9.08 320 10.82 9,138 10.54
1,711,386 14.67 485 16.40 13,330 15.38
1,277,003 10.95 545 18.42 13,620 15.71
881,918 7.56 479 16.19 10,776 12.43
409,288 3.51 348 11.77 8,534 9.85
1,095,657 9.39 69 2.33 2,577 2.97
4,459,033 38.22 1 0.03 3,408 3.93
(2,108,980) (18.08) – – – –
11,665,757 100.00 2,958 100.00 86,690 100.00
- 60 -
2.
3.
1
1 1
1 4 FinTech
e
108 15 92
4.
- 61 -
2021
300
59 1 1 5
2021 12 31
A 0 0 0
H 200,000 100,000 300,000
A 0 0 0
H 49,357 0 49,357
A 0 40,000 40,000
H 0 0 0
- 62 -
A 30,000 0 30,000
H 0 0 0
A 65,000 0 65,000
H 0 0 0
A 50,000 0 50,000
H 0 0 0
A 66,100 0 66,100
H 21,000 0 21,000
A 0 0 0
H 50,000 0 50,000
A 107,100 25,000 132,100
H 0 0 0
A 0 0 0
H 30,000 0 30,000
A 20,000 0 20,000
H 0 0 0
A 90,000 10,000 100,000
H 20,000 0 20,000
A 189,335 50,000 239,335
H 140,000 0 140,000
2022 1 A 10,000
H 98
XV
XV
352
- 63 -
74,262,726,645
A H 0.355
263.63 2022 6 28
2021
2022 5 28 2022 6 28
H 2021
H 2022 5 27
H
183 17 1712-
1716
2021 2022 7 12
2022 7 11 A
2022 8 2 2022 7 11
H
2022 7 6 7 11
H H
H 2022
7 5 H
183 17 1712-1716
13
- 64 -
12 31
2021 2020
377,646 369,101
(215,953) (215,765)
161,693 153,336
52,285 49,298
(4,712) (4,212)
47,573 45,086
23,344 13,844
1,311 1,177
46 27
277 222
16,515 15,170
19,035 17,889
269,748 246,724
(66,371) (62,059)
(2,320) (484)
(17,054) (15,729)
(90,044) (82,027)
93,959 86,425
(5,020) (6,855)
88,939 79,570
- 65 -
12 31
2021 2020
459 19
(428) (183)
2,796 (920)
(442) (825)
891 (1,362)
(463) 815
(3,450) (4,776)
14 (8)
(623) (7,240)
(1,555) (1,204)
55 (132)
(36) 7
2 20
(1,534) (1,309)
(2,157) (8,549)
86,782 71,021
- 66 -
12 31
2021 2020
87,581 78,274
1,358 1,296
88,939 79,570
85,696 69,960
1,086 1,061
86,782 71,021
1.10 0.99
- 67 -
2021 2020
12 31 12 31
734,728 817,561
632,708 571,130
39,220 54,212
6,412,201 5,720,568
638,483 482,588
2,203,037 2,019,529
681,729 735,220
5,779 4,681
171,194 169,471
32,061 27,991
114,617 94,665
11,665,757 10,697,616
1,947,768 1,787,491
50,048 29,279
36,074 55,942
7,039,777 6,607,330
892,020 634,297
4,725 3,786
1,889 1,286
503,525 497,755
212,695 201,822
10,688,521 9,818,988
- 68 -
2021 2020
12 31 12 31
74,263 74,263
174,790 133,292
44,952 44,952
129,838 88,340
111,428 111,428
346,092 333,176
258,074 214,448
964,647 866,607
9,424 8,763
3,165 3,258
12,589 12,021
977,236 878,628
11,665,757 10,697,616
- 69 -
2021 1 1 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
– – – – – – – – – – – – – 87,581 87,581 1,236 122 88,939
– – – – – – – 1,019 (36) 428 (3,367) 55 16 – (1,885) (179) (93) (2,157)
– – – – – – – 1,019 (36) 428 (3,367) 55 16 87,581 85,696 1,057 29 86,782
– – 41,498 – – – – – – – – – – – 41,498 – – 41,498
– – – – – – – – – – – – – (23,541) (23,541) (396) – (23,937)
– – – – – – – – – – – – – (1,755) (1,755) – – (1,755)
– – – – – – – – – – – – – (3,858) (3,858) – – (3,858)
– – – – – – – – – – – – – – – – (122) (122)
– – – – 7,536 92 7,117 – – – – – – (14,745) – – – –
– – – – – – – 56 – – – – – (56) – – – –
2021 12 31 74,263 44,952 129,838 111,428 79,967 140,022 130,280 1,531 (24) (104) (6,884) (87) 1,391 258,074 964,647 9,424 3,165 977,236
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
- 70 -
12 31
2021 2020
93,959 86,425
66,371 62,059
2,320 484
15,518 15,495
14,839 14,776
(199) 32
(454) (166)
(88,262) (90,683)
(1,251) (1,369)
(1,474) (5,951)
(277) (222)
(1,311) (1,177)
16,341 14,566
116,120 94,269
14,515 29,357
(106,359) 127,404
(128,020) (83,695)
(776,234) (597,926)
(22,218) 7,907
161,477 (113,503)
2,317 8,899
674,635 669,890
26,622 19,878
1,431 (328)
939 (12,754)
(34,775) 149,398
- 71 -
12 31
2021 2020
(896,387) (838,096)
750,323 671,877
2,936 1,562
86,558 89,464
(2,467) (2,735)
507 372
(20,480) (21,414)
3,462 4,379
(75,548) (94,591)
41,498 51,804
96,121 177,486
(2,413) (2,415)
(88,834) (27,785)
(15,350) (80,476)
– (13,050)
(29,152) (17,125)
(564) (162)
1,306 88,277
(3,795) (3,699)
(112,812) 139,385
307,120 167,735
194,308 307,120
291,450 285,937
(185,593) (205,169)
- 72 -
1
622
1.1
9
39
7 4
16
16
9 39 7
4 16
9
39 7 4
16
2021 1 1
9
- 73 -
24
16
2021 6 30
16
2020 5
16
2022 6 30
2021 6 30
2021 4 1
8 28(f)
- 74 -
1.2
10 2016
28 1 1
16 2022 1 1
3 2022 1 1
37 2022 1 1
1 2022 1 1
9 2018-2020
16
41
17 2023 1 1
8 2023 1 1
1 2023 1 1
2
12 2023 1 1
10 28
10 28
16
16
- 75 -
3
(2018)
3
3
37 21
(2018)
37
37
2018-2020
2018-2020
9
10%
16
1
1
- 76 -
41
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
- 78 -
8
8
1 2
1
2 1
- 79 -
12
12
12 15(b)
24
12 22A
2023 1 1
17
- 80 -
2
12 31
2021 2020
266,419 251,468
88,262 90,683
12,266 16,180
10,699 10,770
377,646 369,101
(140,982) (139,142)
(38,581) (46,653)
(20,049) (15,404)
(16,341) (14,566)
(215,953) (215,765)
161,693 153,336
1,251 1,369
- 81 -
3
12 31
2021 2020
20,136 20,107
11,775 9,856
7,484 7,033
5,664 4,200
3,120 3,706
2,527 2,617
1,296 1,531
283 248
52,285 49,298
12 31
2021 2020
1,576 1,342
3,758 3,458
- 82 -
4
12 31
2021 2020
1,085 225
63,339 55,303
158 (12)
1,998 4,874
(124) (129)
(87) 316
2 1,482
66,371 62,059
5
12 31
2021 2020
1,981 485
55 –
284 (1)
2,320 484
- 83 -
6
12 31
2021 2020
7,522 8,247
608 630
753 577
8,883 9,454
(3,863) (2,599)
5,020 6,855
25% 2020 25%
25% 2020 25%
12 31
2021 2020
93,959 86,425
25% 23,490 21,606
(207) (152)
(1)
2,445 3,644
(2)
(19,663) (17,393)
(934) (420)
(111) (430)
5,020 6,855
(1)
(2)
- 84 -
7
12 31
2021 2020
87,581 78,274
(1,755) (2,714)
(3,858) (1,680)
81,968 73,880
74,263 74,263
1.10 0.99
1,755
2021 12 31
2021 12 31
2021 12 31
3,858
- 85 -
8
- 86 -
2021 12 31
3,501,041 27,195 (24,899)
3,626,588 12,025 (11,175)
7,127,629 39,220 (36,074)
2020 12 31
2,435,423 44,435 (40,914)
3,101,818 9,777 (15,028)
5,537,241 54,212 (55,942)
2021 2020
12 31 12 31
4,686,806 3,772,066
1,981,299 1,387,805
231,035 247,659
228,489 129,711
7,127,629 5,537,241
- 87 -
2021 12 31
141,731 1,871 (1,274)
71,805 519 (973)
213,536 2,390 (2,247)
2020 12 31
139,555 184 (4,689)
58,382 268 (1,901)
197,937 452 (6,590)
(a)
- 88 -
12 31
2021 2020
4,405 (4,314)
(4,386) 4,462
19 148
(b)
2021 12 31
1,133 2020 12 31
1,761
617 2020 12 31
1,085
- 89 -
9
12 31
2021 2020
23,541 23,393
1,755 2,714
3,858 1,680
(1)
(2) 10%
(3)
(4)
2021 4 29
2021 9 7 3.9%
1,755
2021 6 29 2020
6,432 2020 12 31 74,263
A H 0.317
23,541
2021 11 18 2020 801
2021 9 20 2019 1,680
2021 9 25 2020 1,377
- 90 -
2022 3 25 2022
7,522 11,422 2021
12 31 74,263 1
A H 0.354
26,289
10
2021 2020
12 31 12 31
373,630 333,610
194,724 163,151
368,120 319,076
908,358 800,441
1 3,936 5,111
1 57,657 55,323
1,906,425 1,676,712
2021 2020
12 31 12 31
71,053 62,224
- 91 -
2021 2020
12 31 12 31
1 1 13,186 13,074
1 2 2 12,864 12,622
2 3 3 12,269 12,220
3 5 5 21,388 22,062
5 38,879 36,562
98,586 96,540
2021 12 31
78,594 2020 12 31 81,548
2021 12 31
2020 12 31
- 92 -
2021 2020
12 31 12 31
4,096 3,876
472 1,032
11
(1)
(2)
(3)
(4)
(5)
(6)
- 93 -
(7)
(8)
- 94 -
2021 12 31
74,720 34,117 36,732 47,925 32,359 10,039 18,082 123,672 377,646
(48,442) (21,514) (37,735) (25,027) (15,472) (9,411) (7,584) (50,768) (215,953)
21,275 6,424 24,200 7,087 1,800 5,192 18 (65,996) –
47,553 19,027 23,197 29,985 18,687 5,820 10,516 6,908 161,693
14,540 3,652 5,739 5,803 3,064 1,238 2,488 15,761 52,285
(2,941) (39) (77) (101) (26) (18) (233) (1,277) (4,712)
11,599 3,613 5,662 5,702 3,038 1,220 2,255 14,484 47,573
7,031 376 380 659 1,824 12 (784) 13,846 23,344
849 – 27 – – 18 589 (172) 1,311
16,459 – – – – – 56 – 16,515
– – – – – – 47 230 277
15,316 416 954 734 551 203 456 405 19,035
98,807 23,432 30,220 37,080 24,100 7,273 13,135 35,701 269,748
(7,451) (4,828) (8,046) (9,019) (10,600) (9,582) (977) (15,868) (66,371)
(2,020) (6) (8) (14) (58) (212) – (2) (2,320)
(17,037) – – – – – (17) – (17,054)
(26,518) (6,571) (8,854) (9,125) (5,922) (3,378) (4,372) (25,304) (90,044)
45,781 12,027 13,312 18,922 7,520 (5,899) 7,769 (5,473) 93,959
(5,020)
88,939
(1,814) (909) (1,133) (1,116) (954) (498) (469) (1,206) (8,099)
(17,500) (660) (494) (864) (488) (265) (141) (2,535) (22,947)
- 95 -
2020 12 31
69,139 29,870 34,257 43,757 29,309 9,248 23,605 129,916 369,101
(47,044) (19,874) (35,346) (23,741) (15,176) (9,090) (14,820) (50,674) (215,765)
23,063 6,369 21,884 7,625 2,324 5,189 19 (66,473) –
45,158 16,365 20,795 27,641 16,457 5,347 8,804 12,769 153,336
11,724 3,370 5,173 5,560 3,001 1,154 2,802 16,514 49,298
(2,137) (47) (71) (69) (25) (19) (226) (1,618) (4,212)
9,587 3,323 5,102 5,491 2,976 1,135 2,576 14,896 45,086
3,443 171 253 485 57 16 (346) 9,765 13,844
507 – – – – – 2,420 (1,750) 1,177
15,103 – – – – – 67 – 15,170
– – – – – – 50 172 222
14,321 495 1,218 629 497 174 285 270 17,889
88,119 20,354 27,368 34,246 19,987 6,672 13,856 36,122 246,724
(7,443) (4,301) (7,287) (10,201) (1,679) (3,028) (1,156) (26,964) (62,059)
(486) – 1 – – (4) 5 – (484)
(15,699) – – – – – (30) – (15,729)
(25,848) (6,376) (8,188) (8,471) (5,882) (3,248) (4,222) (19,792) (82,027)
38,643 9,677 11,894 15,574 12,426 392 8,453 (10,634) 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)
- 96 -
2021 12 31
2,881,066 1,059,386 1,711,386 1,277,003 881,918 409,288 1,095,657 4,459,033 (2,141,041) 11,633,696
4 – – 1 – – 201 5,573 – 5,779
32,061
11,665,757
(2,658,802) (1,042,577) (1,688,784) (1,239,658) (870,308) (417,068) (1,046,572) (3,863,904) 2,141,041 (10,686,632)
(1,889)
(10,688,521)
2020 12 31
2,564,088 930,550 1,567,967 1,196,795 825,149 385,027 1,114,676 4,226,501 (2,141,128) 10,669,625
4 – – 6 – – 203 4,468 – 4,681
27,991
10,697,616
(2,359,977) (918,511) (1,549,435) (1,165,323) (811,091) (386,178) (1,057,224) (3,711,091) 2,141,128 (9,817,702)
(1,286)
(9,818,988)
- 97 -
2021 12 31
69,804 53,414 38,353 122 161,693
16,291 18,260 (34,551) – –
86,095 71,674 3,802 122 161,693
10,341 30,743 6,330 159 47,573
8,883 2,073 12,040 348 23,344
(323) 313 1,321 – 1,311
6 – – 271 277
56 16,459 – – 16,515
15,406 2,857 35 737 19,035
120,464 124,119 23,528 1,637 269,748
(47,024) (19,079) (259) (9) (66,371)
(2,265) (55) – – (2,320)
(17) (17,037) – – (17,054)
(2,941) (4,460) (641) (57) (8,099)
(35,267) (40,350) (5,404) (924) (81,945)
32,950 43,138 17,224 647 93,959
(5,020)
88,939
(2,941) (4,460) (641) (57) (8,099)
(8,332) (12,636) (1,817) (162) (22,947)
- 98 -
2020 12 31
61,666 49,328 42,280 62 153,336
18,634 16,978 (35,612) – –
80,300 66,306 6,668 62 153,336
11,254 28,090 5,585 157 45,086
3,909 1,444 8,371 120 13,844
(140) 396 926 (5) 1,177
(8) – – 230 222
32 15,138 – – 15,170
14,408 2,530 219 732 17,889
109,755 113,904 21,769 1,296 246,724
(33,072) (28,214) (772) (1) (62,059)
(489) – – 5 (484)
(30) (15,699) – – (15,729)
(1,430) (2,250) (176) (52) (3,908)
(34,150) (38,444) (4,537) (988) (78,119)
40,584 29,297 16,284 260 86,425
(6,855)
79,570
(2,949) (4,433) (407) (99) (7,888)
(9,033) (13,574) (1,247) (304) (24,158)
- 99 -
2021 12 31
4,645,110 2,385,982 4,530,160 72,444 11,633,696
– – – 5,779 5,779
32,061
11,665,757
(4,999,768) (2,533,625) (3,078,851) (69,663) (10,681,907)
(6,614)
(10,688,521)
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
(4,832,353) (2,312,508) (2,598,865) (70,190) (9,813,916)
(5,072)
(9,818,988)
- 100 -
12
2021 12 31
103,648 – 304 – – – – 630,776 734,728
88,993 171,428 89,547 225,329 45,687 11,724 – – 632,708
– 6,099 7,172 13,032 11,052 1,865 – – 39,220
2,697 25,684 47,293 92,313 43,656 50,780 – 376,060 638,483
– 504,850 289,612 1,435,771 1,309,429 2,837,626 34,913 – 6,412,201
– 17,504 56,506 120,183 289,879 181,366 29 16,262 681,729
– 18,227 37,752 284,065 1,014,207 846,389 2,397 – 2,203,037
93,428 150 18 505 35,656 2,509 4,198 187,187 323,651
288,766 743,942 528,204 2,171,198 2,749,566 3,932,259 41,537 1,210,285 11,665,757
(816,423) (339,771) (247,890) (491,785) (44,522) (7,377) – – (1,947,768)
(11,631) (24,954) (1,995) (10,202) (1,266) – – – (50,048)
– (5,493) (6,739) (11,698) (10,266) (1,878) – – (36,074)
(2,917,672) (892,406) (544,620) (1,043,211) (1,641,829) (39) – – (7,039,777)
(59,181) (113,511) (198,029) (739,771) (285,206) (219,156) – – (1,614,854)
(3,804,907) (1,376,135) (999,273) (2,296,667) (1,983,089) (228,450) – – (10,688,521)
(3,516,141) (632,193) (471,069) (125,469) 766,477 3,703,809 41,537 1,210,285 977,236
- 101 -
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)
(7,107) (6,291) (7,636) (8,111) (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)
(3,566,700) (1,073,402) (1,083,142) (1,891,026) (1,989,120) (215,598) - - (9,818,988)
(3,214,458) (324,542) (552,007) 47,753 528,940 3,192,666 36,729 1,163,547 878,628
13
2022 2 300
2032 3.45% 2027
- 102 -
2021
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2021
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2022 4 H
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