:03328
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2022 3 25 2021
16 15 1
隃
2021 742.63
A H 0.355 263.63
e
e
e
e
2
Bank of Communications Co., Ltd. 588
42
22
188
188
200120 A
86-21-58766688 188
86-21-58798398 H
investor@bankcomm.com 183
www.bankcomm.com 17 1712 1716
20
9131000010000595XD
A
www.sse.com.cn
H
www.hkexnews.hk
A 601328
H 03328
1 360021
H 3
1908 1987 4 1
2005 6
2007 5
4
TOP 11 TOP 137
2021 2021
1000 11 500 137
2020
2021
2020
2021 50 10
2021
CFCA
2021
2021 14 2021
21
2021
21 2021 LP PE TOP 20
FOFWEEKLY
2020
A+
2021
2021
H 5
財務摘要
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
6 交通銀行股份有限公司
1.
2. 9 2010
3.
4.
5.
6.
H 7
董事長致辭
2021
8 交通銀行股份有限公司
60% e
6
5,100
2022
H 9
2021
2021 11.67 9.05%
875.81 11.89% 9.42% 1.48% 19
166.50% 22.63 ROAA ROAE 0.03 0.41
+ + G-B-C
2021 12.17%
90.90% 49.23% 14.13% 31.16%
+ +
3,828 2.10% 10
10 交通銀行股份有限公司
+ + ESG
29
12 e
CIPS 23.64
2021 AUM 42,563.8 15.29%
2021 839.36 10.25
87.50 23.60%
0.50
6.0
2022
2022
+ + +
+ - - +
H 11
2021
2022
12 交通銀行股份有限公司
2021
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
1.
939.59 75.34 8.72%
43.12 6.95%
14
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
2.
1,616.93 83.57
59.94%
H 15
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
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
16
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
83.57
151.37 67.80
1
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
H 17
B.
882.62 24.21 2.67%
14
C.
106.99 0.71 0.66% 81.11
D.
122.66 39.14
24.19% 33
2
2,159.53 1.88 0.09%
A.
1,409.82 18.40
1.32% 65.28%
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
18
3.
475.73
24.87 5.52%
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
5.
686.91 61.48 9.83%
629.45 66.76 11.86%
H 19
6.
50.20 18.35 26.77% 5.34%
25%
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
1
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%
20
22,850.96 3,042.14 15.36%
0.96 34.83% 1,957.44 15.13%
22.70% 284.70 6.13%
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
2
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
H 21
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%
(%)
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 Libor+0.95 24/04/2022 0.62
2019 2,862 2.70 19/03/2024 0.42
2018 2,750 4.88 08/02/2028 0.66
22
3
2021 12 31 2020 12 31
1,437 1,109
(407) (142)
1,030 967
2.
1
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.
1
H 23
21.
40.
41.
1,943.08 1,128.12
347.75 1,841.73
755.48 190.43
13.06 869.71
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
1.
2.
3.
4.
24
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
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
H 25
2014
2018
2021
0.75% 15.45%
13.01% 10.62%
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
2021
0.375%
7.60%
2021 2021 2021 2021
12 31 9 30 6 30 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
2021
1.
2.
+
3.
H 27
- -
AUM
4.
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
28
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
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
H 29
4.
394.84
28.26 12
23.46% 1,559.98 25.08%
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
15.29%
7.3 50%
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
3
4
30
1. AUM
+
AUM 1.85
3.76% 200.28 15.31% AUM 42,563.8
3,608.14 9.26%
2.
6
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
H 31
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%
7.30
1.
1,846.57
32
CIPS
CIPS
CIPS CIPS
e
e 1,775 225
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%
4.
16
4,098.59
13,842.78 24.89% 12,246.64
88.47% 27
H 33
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
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
7
34
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%
+ 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%
H 35
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%
18 23
69
57.01 6.51%
11,872.34 10.18%
1.
4,831.58 45.24%
339.63 44.52%
2.
23
126
1,000 31 103 241
31 62 27 81
36
3.
219.01
362.68
363.79% 12,121.32 60.50%
4.
13,704.41 13.51% 159.36
35.69%
-
1+1
3 18
38 824
RES
1.
PC
17.17%
14.08% 36.62% 73.23%
2.
6.0
(MAU)3,811.03 22.82%
H 37
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
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
8
38
CIPS 2020
2021
2021 SAIL TOP30
2.
6.0
e
e
7 300
3D 4G
3.
3.1
12
59 133
4.
95559
+AI 20% 91%
5
H 39
5.
7 24
99.99%
+
60
11
32
+
40
2021
2020
839.36 10.25
5.49 1.25%
0.1
42
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
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
H 43
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
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
44
2.30%
0.3
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
H 45
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
46
(VaR)
(SVaR) 1 10 99%
2021 2020 2019
12 31 12 31 12 31
(%) ≥25 67.11 69.24 72.92
H 47
30
30
2,000 100% 2021
115.70%
92 7.59
2,000 100% 2021
109.93% 0.87
2021 108.64%
1.29
2021 2021
48
IT
TCFD
2021
H 49
2022
2022
2022
50
74,262,726,645 A 39,250,864,015 52.85% H
35,011,862,630 47.15%
2021 12 31 2020 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
389,938 A 358,022 H 31,916 2022 2 28
370,924 A 339,134 H 31,790
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
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
H 51
6.
7.
1. 5% 9
1 1949 10
3 11100000000013186G
A H 17,732,424,445 23.88%
2 1866
Surendra Rosha 1
1,161.025 71.98 464.410
00173611-000 HSBC Asia Holdings Limited HSBC Holdings plc
HSBC Holdings plc H 14,135,636,613
19.03%
3 2000 8
800 11
12100000717800822N
47.
2.
2018 1
1 1.68%
1988 6 13 537
9
52
2 1.09%
2009 10 15 90
( ) 7 3.00%
3 0.4%
1991 9 14 465
562.89
3.
X V
336
A
A 1
(%) (%)
13,178,424,4462 33.57 17.75
3,105,155,568 3
7.91 4.18
H 1
H (%) (%)
9,054,477,3323 25.86 12.19
4,553,999,999 2
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
H 53
336
XV
94 2022 2 28 90
(%)
– 100,000,000 22.22
48,910,000 48,910,000 10.87
1
– 20,000,000 4.44
" "
– 20,000,000 4.44
5
– 18,000,000 4.00
– 15,000,000 3.33
– 15,000,000 3.33
14,000,000 14,000,000 3.11
28
13,000,000 13,000,000 2.89
4
10,225,000 10,225,000 2.27
1
1.
2.
3.
54
2021 4 29 1
1 3.9% 1,755,000,000 2021 9 7
1 5 2021 9 7
1 4.07%
22 37
9 32
2
2021
2019 2021 4
400 3 3.4%
2020 2021 6
415 5 4.06% 5 5
2021 2021 9
300 3.65% 10 5
H 55
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
33.
2016 9 4.5
A 72
36.
56
股東大會
戰略委員會
（普惠金融發展委員會）
審計委員會
風險管理與關聯交易
監事會 董事會 控制委員會
人事薪酬委員會
履 提 財
職 名 務 社會責任(ESG)與消費者
盡 委 與 權益保護委員會
職 員 內
控
監 會 監
督 督
委 委
員 員 綜合性議事協調機構
會 會
- 資產負債管理委員會
- 全面風險管理與內部控制委員會
- 金融科技與產品創新委員會
高級管理層
- 普惠金融管理委員會
- 財富管理戰略推進委員會
決策機構
- 股權投資決策委員會
- 貸款與投資評審委員會
- 風險資產審查委員會
- 財務審查委員會
- 集中採購管理委員會
- 責任認定委員會
H 57
2021-2025 2021-2025
2020 69
2021 2021 <
3 24 2021-2025 >
2
2020 2021 2020
6 29 6
2021 2021 2020
10 28 3
58
16
58 2018 8 2021
50 2020 8
58 2020 6
58 2021 1
53 2021 1
49 2021 5
59 2019 10
56 2019 8
47 2019 8
49 2016 8
67 2016 10
67 2017 11
67 2018 8
64 2019 12
64 2020 8
54 2020 11
1.
2.
2020 1 1988
2018 8
H 59
2020 8 2003
2020 7
2020 6 2003
2021 1 1986
2021 1 1989
60
2021 5 1995
2019 10 1994
2019 8 2008
2019 8 2002
2016 8 2001
H 61
2016 10 1991
2001
(1937)
2017 11 1982
2018 8 2001
2019 12 1993
62
2020 8 1990
2020 11 2001
10
55 2021 10 2021
54 2017 6
67 2016 6
51 2017 10
54 2019 6
58 2020 6
57 2018 10
53 2020 12
47 2020 12
50 2021 11
1.
2. 2022 1 18
H 63
2021 10 1995
( )
2017 6 2002
DPS
PTINDOSPECENERGY
2016 6 1984
64
2017 10 1998
(CCSEP)
2019 6 1997
China Journal of Accounting Studies
2020 6 1995
H 65
2018 10 1999
27
2020 12 2010
31
2020 12 2000
21
66
2021 11 1996
26
10
50 2020 7
54 2019 9
59 2018 7
56 2020 7
50 2021 3
49 2021 7
59 2018 4
56 2018 9
53 2021 6
- 68 2013 3
1.
2.
3. 2022 1 14
H 67
2019 9 1993
2018 7 1987
30
2020 7 1988
2003
2021 3 2009
68
2021 7 2004
2018 4 2006
2020 7
35
2018 9 1998
2019 6
32
2021 6 2004
2021 9
33
H 69
2013 3 1984
1.
2.
2017 8 -2021 1
2020 11 -2021 3
2020 3 -2022 1
2010 8 -2021 5
2021 8 -2022 1
70
2021 12 22 2022 1 22
1.
A 0 0 0 –
61.94 21.00 82.93
H 200,000 100,000 300,000
A 0 0 0 –
61.94 20.61 82.55 H 0 0 0 –
A 0 0 0 –
– – –
H 0 0 0 –
A 0 0 0 –
– – –
H 0 0 0 –
A 0 0 0 –
– – –
H 0 0 0 –
A 0 0 0 –
– – –
H 0 0 0 –
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 –
A 0 0 0 –
31 – 31
H 0 0 0 –
A 0 0 0 –
31 – 31
H 0 0 0 –
A 0 0 0 –
– – –
H 0 0 0 –
A 0 0 0 –
31 – 31
H 0 0 0 –
H 71
A 0 0 0 –
– – –
H 0 0 0 –
A 0 0 0 –
33 – 33
H 0 0 0 –
A 0 0 0 –
25.81 8.69 34.49
H 0 0 0 –
A 0 0 0 –
– – –
H 0 0 0 –
A 0 0 0 –
– – –
H 0 0 0 –
A 0 0 0 –
28.00 – 28.00
H 0 0 0 –
A 0 0 0 –
26.00 – 26.00
H 0 0 0 –
A 0 0 0 –
26.00 – 26.00
H 0 0 0 –
A 0 40,000 40,000
95.60 21.12 116.72
H 0 0 0 –
A 30,000 0 30,000 –
96.20 21.12 117.32
H 0 0 0 –
A 0 0 0 –
81.95 21.12 103.06
H 0 0 0 –
A 65,000 0 65,000 –
7.92 1.82 9.74
H 0 0 0 –
A 0 0 0 –
55.74 20.61 76.36
H 0 0 0 –
A 50,000 0 50,000 –
55.74 20.61 76.36
H 0 0 0 –
A 0 0 0 –
55.74 20.61 76.36
H 0 0 0 –
A 0 0 0 –
55.74 20.61 76.36
H 0 0 0 –
A 0 0 0 –
37.16 14.64 51.80
H 0 0 0 –
A 66,100 0 66,100 –
100.00 18.23 118.23
H 21,000 0 21,000 –
A 0 0 0 –
100.00 21.53 121.53 H 50,000 0 50,000 –
A 107,100 25,000 132,100
49.98 11.19 61.17
H 0 0 0 –
72
- A 0 0 0 –
– – –
H 30,000 0 30,000 –
A 20,000 0 20,000 –
7.30 2.17 9.47
H 0 0 0 –
A 0 0 0 –
10.32 3.40 13.72
H 0 0 0 –
A 0 0 0 –
– – –
H 0 0 0 –
A 90,000 10,000 100,000
41.62 8.40 50.02
H 20,000 0 20,000 –
A 189,335 50,000 239,335
33.32 7.46 40.78 H 140,000 0 140,000 –
1. 2022 1 A 10,000
2. 2021
2021
3.
4. 1,410.98
H 98
XV
XV
352
2.
1/3
H 73
3
6
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8
6
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2 8 6
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50 50-60 60
2 9 5
15 1
5 11
74
2021
D.3.1
7 6 1
2021-2025
57 24
104
(ESG)
3/3 6/6 6/6
3/3 6/6 6/6 4/4
3/3 6/6 5/5 5/5
3/3 6/6 4/4 4/4
3/3 6/6 6/6 5/5
2/2 3/3 2/2
0/3 6/6 4/4
3/3 5/6 6/6 4/4
0/3 5/6 6/6 5/5
2/3 6/6 4/4 4/4
H 75
(ESG)
2/3 6/6 6/6 5/5
2/3 6/6 5/5 5/5
3/3 6/6 4/4 5/5
1/3 5/6 4/4 5/5
3/3 6/6 5/5 4/4
2/3 6/6 5/5 4/4
2021 1 27
2021 5
2021 3 26
2020
16
2021 4 29
2021
8
2021 6 28
4
2021 7 24-25
2021 8 27
2021
14
2021 10 29
9
(ESG)
76
ESG
/
1.
1 27 3 25 4 28 6 28 8
26 10 28 6 22
2021
2020
H 77
2020 2021
2021-2025 >
2021-2025
2021-2025
+ +
2.
3 24 4 28 8 26 10 13-14
10 28 5 26
2020
2020
2020
78
2021
2021
2021
2021
3.
3 25 4 28 8 26 10 28 4
25
2020
2021
H 79
2021
2021
2021-2025
2021
QE
4.
1
2 3 4
5
6
1 27 3 24 4 28 6 28 8 26 5
17
80
5. (ESG)
ESG ESG
(ESG) 1 27
3 25 7 24-25 8 26 4 14
< >
2020 2021
2020
2020
2021
5
1
6
H 81
2021
1.
2.
3. 2021
4.
1.
2.
3.
2021 12 31
82
11 3 4 4 3
5 3 1
5 1 1 2
7
1 3 2
%
1/1 100
4/4 100
3/4 75
4/4 100
4/4 100
3/4 75
4/4 100
4/4 100
4/4 100
4/4 100
0/0 /
0/0 /
2/2 100
95.45
-
H 83
2021
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%
%
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
/
84
14.
1 1
1 1 4 FinTech
e
108 15 92
2021 300
59 1 1
5
H 85
2021
2021 12 31 ( )
86
www.bankcomm.com
www.sse.com.cn www.hkexnews.hk
2020
8
H 87
2021
7,669.4 6,794.4
223
652
2021 10 29 2022
( ) 2022
( )
2021
2021
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30
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2021 12 31
H 89
公司治理
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37.
10%
0.317 235.41
31.86%
6
2022 3 0.355
263.63 32.16%
5,193.52 10
26.
10
90 交通銀行股份有限公司
30%
H 91
公司治理
263.27 2.6160%
91.29 0.9071%
560.48 5.5693%
( )
254.23
4.91
4.13
26
2 2021
39.40
39.22
648.45
1,075.42
2020 5 29 2020 6 1 2023 5 31
2017 4 28
92 交通銀行股份有限公司
2021 1. (
) 116.23 2. (
) 174.00 1.
( ) 43.77 31.14 12.77 1.36
2. ( ) 32.85
14A.87(1) 14A.90
2021 1.
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2021 1. 2.
3. 4. 2021
47.
14A
47.
H 93
公司治理
94 交通銀行股份有限公司
1. 4 23 8
9 31
2.
3.
1.
2.
3.
4.
5.
2021 16
9 9
H 95
公司治理
1.
2.
3.
2021
2021
2021
2021 ESG
96 交通銀行股份有限公司
2021
ESG
2021 ESG
ESG
2021 < >
A3327
4,767.63 31.37% 876.12
90.58% 2021 96
36.62 65.83
9 143
50
CEA
2021 9
TCFD
98
97.90%
2021 2020 2019
% 97.90 98.04 97.67
2021 2020 2019
CO2e) 97,527.63 83,242.71 79,606.73
36,055 31,027
2021
2021
2021
16.2 2020 28.63% 100%
2021 15,145 18
12 2020 4 5,170.7 18
10 847.6 18
13
2021 2,258
1,280 869
2020 A+ 3 15
5,193.52
H 99
e
4
6,544.61 810.03
14.13%
2,500 6 810.5
6.57% 4 822.67 2,027.33
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6,544.61
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14.13%
1. 2,500
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2. 810.5
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3. 3,075
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4. 822.67
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5. 2,027.33
9.12%
6. 4
7. 2,300
2022
H 101
40.96
2017 49 2019 12
10% A 1,970,269,383
3
2.
2021 1,400
2021 7 600 2021 9
2022 2 300 2021 3 24
2021 7 27 2021 9 27 2022 2 25
102
75 2021
4 30
415 2021 6 10
50 2021 6 28 2022 1
24
2020
2021 10 29
(www.sse.com.cn) (www.hkexnews.hk)
H 103
股東大會
董事會 監事會
高級管理層
總行
金融科技部門 業務經營管理部門
●金融科技部／數字化轉型辦公室 ●公司機構業務部
●數據管理與應用部 ○戰略客戶部
●軟件開發中心 ○投資銀行業務部
○軟件開發中心（深圳） ●養老金融部
○軟件開發中心（北京） ●國際業務部
駐交通銀行 ●數據中心（系統運營中心） ●普惠金融事業部／鄉村振興金融部
紀檢監察組 ●測試中心 ●資產託管部
●金融科技創新研究院 ○資產託管運營中心
●長三角一體化管理總部
綜合管理部門 ●個人金融業務部／消費者權益保護部
●董事會辦公室 ●零售信貸業務部
●監事會辦公室 ●私人銀行部
●黨委辦公室／辦公室／企業文化部 ●太平洋信用卡中心
●黨委組織部／人力資源部 ●網絡金融部
●機關黨委（機關紀委）／黨委宣傳部 ●金融機構部（票據業務中心）／資產
●財務管理部 管理業務中心
○集中採購中心 ●金融市場部（貴金屬業務中心）
●股權與投資管理部 ○金融市場交易中心
●營運與渠道管理部／安全保衛部 ●離岸金融業務中心
●風險管理部／內控案防辦
●資產保全部 支持保障部門
●授信管理部 ●審計監督局
●授信審批部 ▲北京審計監督分局
○授信審批中心（北京） ▲上海審計監督分局
●法律合規部 ▲廣州審計監督分局
○反洗錢中心 ▲武漢審計監督分局
▲成都審計監督分局
▲瀋陽審計監督分局
●巡視工作領導小組辦公室／巡視組
●工會辦公室／團委
●離退休管理部
●總務部
●發展研究部
○金融研究中心
●黨校／研修中心
●金融服務中心／營業部
○國際結算中心
▲武漢金融服務中心
○南寧金融服務中心
○合肥金融服務中心
○揚州金融服務中心
註：●表示總行一級部門 ▲表示一級部門內設部門級機構 ○表示一級部門內設副部門級機構
104 交通銀行股份有限公司
境內分行 海外分行及子行 主要控股公司
37 家省直分行 香港分行／交通銀行（香港）有限公司 交銀金融租賃有限責任公司
紐約分行 交銀施羅德基金管理有限公司
211 家省轄分行 交銀國際信托有限公司
舊金山分行
2,889 家營業網點 東京分行 交銀金融資產投資有限公司
新加坡分行 交銀人壽保險有限公司
首爾分行 交銀國際控股有限公司
法蘭克福分行 交銀理財有限責任公司
澳門分行 中國交銀保險有限公司
胡志明市分行
悉尼分行 村鎮銀行
布里斯班分行 大邑交銀興民村鎮銀行
墨爾本分行 浙江安吉交銀村鎮銀行
台北分行 新疆石河子交銀村鎮銀行
倫敦分行 青島嶗山交銀村鎮銀行
多倫多代表處
交通銀行（盧森堡）有限公司／盧森堡分行
交通銀行（盧森堡）有限公司巴黎分行
交通銀行（盧森堡）有限公司羅馬分行
交通銀行（巴西）股份有限公司
布拉格分行
約翰內斯堡分行
H 105
200
218
28
8
1-39
455
116
9
11
3018
22
7
26
98
6
5
199
11
847
447
228
45
18
3
211
397
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16
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www.bankcomm.com
106
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 NSW2000, Australia
Level 35, 71 Eagle Street, Brisbane QLD4000, Australia
Level 34 Rialto South Tower, 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
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Republic
140 West St, Sandown, Sandton, 2196, Johannesburg, South Africa
Suite 2460, 22 Adelaide Street West, Toronto, ON M5H 4E3, Canada
8
847
333
333
68
8
333
333 8-9
168-170
1
127
156 1 101
H 107
26
109 27
115 28
117 29
118 30
120 31
32
122 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 51
19
20 235
21 1
22 2
23 3
24 4
25 5
108
115 234
H 109
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 22.3
23 34 40
1.
2021 12 31
6,574,385
162,184
2,205,995 2.
2,958
1,906,425
9,242
2021 3.
65,371
4.
5.
110
1.
2.
3.
4.
5.
H 111
2.2 2.29( d ) 44
45
2021 12
31
2 4 5,2 4 5 2021 12 31
1.
1,426,253 547,188
721,946
2.
3.
4.
2.3 2.29(b) 3.4
1.
2.
1.
2021 12 31 2.
78,951
3.
112
H 113
2022 3 25
114
( )
12 31
2021 2020
377,646 369,101
(215,953) (215,765)
4 161,693 153,336
5 52,285 49,298
6 (4,712) (4,212)
47,573 45,086
7 23,344 13,844
1,311 1,177
46 27
277 222
8 16,515 15,170
9 19,035 17,889
269,748 246,724
10 (66,371) (62,059)
11 (2,320) (484)
12 (17,054) (15,729)
13 (90,044) (82,027)
93,959 86,425
16 (5,020) (6,855)
88,939 79,570
H 115
( )
( )
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)
42 (2,157) (8,549)
86,782 71,021
87,581 78,274
1,358 1,296
88,939 79,570
85,696 69,960
1,086 1,061
86,782 71,021
17 1.10 0.99
116
( )
2021 2020
12 31 12 31
18 734,728 817,561
19 632,708 571,130
21 39,220 54,212
22 6,412,201 5,720,568
20 638,483 482,588
23 2,203,037 2,019,529
23 681,729 735,220
25 5,779 4,681
26 171,194 169,471
27 32,061 27,991
28 114,617 94,665
11,665,757 10,697,616
29 1,947,768 1,787,491
30 50,048 29,279
21 36,074 55,942
31 7,039,777 6,607,330
32 892,020 634,297
4,725 3,786
27 1,889 1,286
33 503,525 497,755
34 212,695 201,822
10,688,521 9,818,988
35 74,263 74,263
36 174,790 133,292
44,952 44,952
129,838 88,340
35 111,428 111,428
346,092 333,176
258,074 214,448
964,647 866,607
9,424 8,763
39 3,165 3,258
12,589 12,021
977,236 878,628
11,665,757 10,697,616
2022 3 25
H 117
118
( )
35 36 36 35 37 37 37 37 37,38 36
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
( )
( )
35 36 36 35 37 37 37 37 37,38 36
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
H
119
( )
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
120
( )
( )
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
43 194,308 307,120
291,450 285,937
(185,593) (205,169)
H 121
2021 12 31
( )
1
[1986]81
[1987]40 1987 4 1
B0005H131000001
9131000010000595XD 742.63
A H 601328 03328
360021
2021 12 31 248 23
2
2.1
622
2.29
2.1.1
9 39 7
4 16
16
9 39 7 4
16
9 39 7
4 16 2021 1
1
9
122
2021 12 31
( )
2
2.1
2.1.1
9 39 7 4
16
24
16
2021 6 30
16 2020 5
16
2022
6 30 2021 6 30
2021 4 1
8 28(f)
2.1.2
10 2016 1 1
28
16 2022 1 1
3 2022 1 1
37 2022 1 1
1 2018- 2022 1 1
9 16 2020
41
17 2023 1 1
8 2023 1 1
1 2023 1 1
2
12 2023 1 1
10 28
10 28
H 123
2021 12 31
( )
2
2.1
2.1.2
16
16
3
(2018)
3
3 37
21 (2018)
37
37
(2018 - 2020
(2018 - 2020
9 10%
16
1
1
41
17
2017 5 17
4
9
124
2021 12 31
( )
2
2.1
2.1.2
17
17
2020 6 25 17
4 9 17
17
17 2023 1 1
4 9 2023 1 1
17
8
8
H 125
2021 12 31
( )
2
2.1
2.1.2
8
1 2
1 2 1
12
12
12 15( b ) 24
12 22A
2023 1 1
17
2.2
2.2.1
126
2021 12 31
( )
2
2.2
2.2.1
2.2.2
2.2.3
44 45
2.2.4
H 127
2021 12 31
( )
2
2.2
2.2.4
36
36
2.2.5
2.3
(a) 1
(b)
128
2021 12 31
( )
2
2.3
2.3.1
(i)
(ii)
H 129
2021 12 31
( )
2
2.3
2.3.1
3.1
130
2021 12 31
( )
2
2.3
2.3.1
(i)
(ii)
(i)
(ii)
(iii)
H 131
2021 12 31
( )
2
2.3
2.3.1
(1)
(2)
(3)
(4)
2.3.2
2.3.1
2.26)
132
2021 12 31
( )
2
2.3
2.3.2
10%
(i)
(ii)
2.3.3
(i)
(ii)
(iii)
H 133
2021 12 31
( )
2
2.3
2.3.3
(i)
(ii)
(iii)
(i)
(ii)
(a)
(b)
(c)
134
2021 12 31
( )
2
2.3
2.3.3
(c)
24
2.3.4
2.4
2.5
2.6
2.7
(a)
(b)
H 135
2021 12 31
( )
2
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
2.10
136
2021 12 31
( )
2
2.11
2.12
.
2.13
2.14
(a)
H 137
2021 12 31
( )
2
2.14
(b)
(c)
2.15
(a)
12
(1)
(2)
2022 6 30
138
2021 12 31
( )
2
2.15
(b)
2.16
2.17
2.18
(a)
(b)
H 139
2021 12 31
( )
2
2.18
(b)
2.19
(a)
(b)
2.20
(a)
(b)
(c)
2.21
2.22
(a)
140
2021 12 31
( )
2
2.22
(b)
2009 1 1
2008 12 31
(c)
2.23
(1)
(2)
(3)
H 141
2021 12 31
( )
2
2.23
2.24
2.25
(a)
(b)
(i)
(ii)
(iii)
(c)
2.26
142
2021 12 31
( )
2
2.26
2.27
2.28
(1) (2)
(3)
2.29
(a)
3.1
H 143
2021 12 31
( )
2
2.29
(a)
3.1
(b)
3.4
(c)
(d)
(e)
(f)
144
2021 12 31
( )
2
2.29
(f)
3
3.1
3.1.1
(a)
(1) (2) (3) (4) (5)
H 145
2021 12 31
( )
3
3.1
3.1.1
(a)
(b)
(c)
(d)
146
2021 12 31
( )
3
3.1
3.1.1
(d)
3.1.2
(1)
(2)
(3)
12 (ECL)
(1) 90
(2)
(3)
(4)
(5)
H 147
2021 12 31
( )
3
3.1
3.1.2
(1) 30
(2) (a)
(b) 3
(3)
(4)
12
(PD) (LGD)
(EAD)
(PD)
(EAD)
(LGD)
(PD) (EAD)
(LGD)
(GDP)
2021 2022 (GDP) 5.0%
7.0% 4.3%
2022
148
2021 12 31
( )
3
3.1
3.1.2
IMF
2021 2020
12 31 12 31
(167) 337
203 96
1 10
10% 10% 813
2020 12 31 484
6 2020 12 31 6
10% 10% 849 2020 12 31
1,402
7 2020 12 31 23
3.1.3
3.1.3.1
H 149
2021 12 31
( )
3
3.1
3.1.3
3.1.3.1
2021 12 31
667,440 – – – 667,440 53,990 721,430 – 721,430
2,066,574 1,376,123 73,821 69,992 3,586,510 504,061 4,090,571 (121,252) 3,969,319
1 2,064,723 1,291,448 8,132 – 3,364,303 479,277 3,843,580 (37,786) 3,805,794
2 1,851 84,675 65,689 – 152,215 17,158 169,373 (34,382) 134,991
3 – – – 69,992 69,992 7,626 77,618 (49,084) 28,534
137,735 39,981 4,466 10 182,192 2,514 184,706 – 184,706
1 137,735 38,773 2,003 – 178,511 2,514 181,025 – 181,025
2 – 1,208 2,463 – 3,671 – 3,671 – 3,671
3 – – – 10 10 – 10 – 10
1,555,659 613,486 44,146 18,932 2,232,223 52,873 2,285,096 (38,837) 2,246,259
1 1,555,409 612,762 33,941 – 2,202,112 52,329 2,254,441 (19,617) 2,234,824
2 250 724 10,205 – 11,179 308 11,487 (4,510) 6,977
3 – – – 18,932 18,932 236 19,168 (14,710) 4,458
411,544 419 – – 411,963 223,051 635,014 (2,306) 632,708
1 411,544 419 411,963 219,552 631,515 (2,304) 629,211
2 3,499 3,499 (2) 3,497
2,097,849 26,999 – 1,088 2,125,936 80,059 2,205,995 (2,958) 2,203,037
1 2,097,849 23,277 – – 2,121,126 77,343 2,198,469 (1,695) 2,196,774
2 – 3,722 – – 3,722 515 4,237 (371) 3,866
3 – – – 1,088 1,088 2,201 3,289 (892) 2,397
247,469 3,497 – – 250,966 414,501 665,467 – 665,467
1 247,469 3,497 – – 250,966 410,700 661,666 – 661,666
2 – – – – – 3,772 3,772 – 3,772
3 – – – – – 29 29 – 29
40,235 10,683 144 2,901 53,963 14,148 68,111 (3,460) 64,651
1 40,060 10,475 – – 50,535 14,106 64,641 (182) 64,459
2 54 95 38 – 187 – 187 (119) 68
3 121 113 106 2,901 3,241 42 3,283 (3,159) 124
7,224,505 2,071,188 122,577 92,923 9,511,193 1,345,197 10,856,390 (168,813) 10,687,577
1 1,470,719 379,185 3,058 – 1,852,962 45,815 1,898,777 (8,736) 1,890,041
2 – 2,943 3,973 – 6,916 732 7,648 (506) 7,142
1,470,719 382,128 7,031 – 1,859,878 46,547 1,906,425 (9,242) 1,897,183
8,695,224 2,453,316 129,608 92,923 11,371,071 1,391,744 12,762,815 (178,055) 12,584,760
150
2021 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
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
H 151
2021 12 31
( )
3
3.1
3.1.3
3.1.3.2
2021 2020
12 31 12 31
39,220 54,212
27 –
247,934 153,034
305,176 252,098
21,924 19,975
614,281 479,319
3.1.3.3
(a)
90%
90%
90%
60%
65%
70%
70%
50%
152
2021 12 31
( )
3
3.1
3.1.3
(a)
2021 12 31
96,786 (63,794) 32,992 46,184
10 – 10 10
3,289 (892) 2,397 4,876
29 – 29 –
2020 12 31
97,603 (62,978) 34,625 46,264
95 – 95 95
794 (524) 270 2
72 – 72 –
(b)
H 153
2021 12 31
( )
3
3.1
3.1.4
2021 2020
12 31 12 31
53,789 50,052
3.1.5
2021 2020
12 31 12 31
1,424 1,085
8 10
5 14
1,437 1,109
(407) (142)
1,030 967
3.1.6
2021 12 31
670,925 28,814 21,387 721,126
463,774 68,572 100,362 632,708
26,989 9,284 2,947 39,220
511,854 6,511 56,669 575,034
6,065,792 206,433 139,976 6,412,201
394,613 58,562 212,292 665,467
2,161,046 6,621 35,370 2,203,037
52,737 11,201 3,567 67,505
10,347,730 395,998 572,570 11,316,298
917,943 6,458 12,073 936,474
943,804 23,598 2,549 969,951
1,861,747 30,056 14,622 1,906,425
154
2021 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
375,565 7,813 41,729 425,107
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
9,249,625 500,178 612,941 10,362,744
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
(a)
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
48
H 155
2021 12 31
( )
3
3.1
3.1.6
(b)
2021 12 31 2020 12 31
% %
120,216 1.83 125,367 2.14
732,565 11.16 658,203 11.25
126,354 1.93 118,387 2.02
168,825 2.57 130,836 2.24
40,781 0.62 41,680 0.71
102,338 1.56 100,571 1.72
26,817 0.41 27,057 0.46
267,450 4.07 239,672 4.10
268,772 4.10 221,313 3.78
157,729 2.40 135,732 2.32
763,419 11.64 708,649 12.12
60,718 0.93 41,148 0.70
215,554 3.29 204,856 3.50
34,133 0.52 34,886 0.60
132,633 2.02 118,702 2.03
419,820 6.40 348,185 5.95
650,742 9.92 577,500 9.87
382,201 5.83 334,399 5.72
122,196 1.86 112,961 1.93
77,884 1.19 85,570 1.48
136,722 2.08 160,071 2.74
4,275,304 65.17 3,867,542 66.13
1,489,517 22.70 1,293,773 22.12
492,580 7.51 464,110 7.94
302,999 4.62 222,999 3.81
2,285,096 34.83 1,980,882 33.87
6,560,400 100.00 5,848,424 100.00
2017 (GB/T 4754-2017)
3.2
3.2.1
156
2021 12 31
( )
3
3.2
3.2.1
( VaR )
3.2.2 VaR
VaR
99% 1
2021 12 31
261 381 746 256
269 306 453 197
133 209 743 100
2020 12 31
594 501 617 423
268 296 472 127
464 485 555 417
3.2.3
100
2021 2020
12 31 12 31
100 10,562 13,551
100 (10,562) (13,551)
H 157
2021 12 31
( )
3
3.2
3.2.3
100
2021 2020
12 31 12 31
100 (12,995) (11,882)
100 14,012 12,363
5% 5%
2021 2020
12 31 12 31
5% (1,803) (1,662)
5% 1,803 1,662
5% 5%
2021 2020
12 31 12 31
5% (1,403) (1,397)
5% 1,403 1,397
158
2021 12 31
( )
3
3.2
3.2.4
2013 20
7
2015 10 24 2019
(LPR)
LPR
2022 1 1
LIBOR LIBOR LIBOR
2021 12 31
714,689 – – – – 20,039 734,728
274,884 105,476 212,107 28,423 7,950 3,868 632,708
– – – – – 39,220 39,220
32,659 52,942 90,657 35,428 45,306 381,491 638,483
1,752,819 740,873 2,904,431 442,783 259,155 312,140 6,412,201
49,415 109,842 91,364 227,236 181,312 22,560 681,729
18,908 35,803 262,899 1,009,017 846,114 30,296 2,203,037
458 – – – – 323,193 323,651
2,843,832 1,044,936 3,561,458 1,742,887 1,339,837 1,132,807 11,665,757
(1,167,169) (261,570) (486,143) (20,848) (2,889) (9,149) (1,947,768)
(24,954) (1,995) (10,196) (1,266) – (11,637) (50,048)
– – – – – (36,074) (36,074)
(3,787,796) (534,784) (1,020,946) (1,607,059) (39) (89,153) (7,039,777)
(125,188) (183,613) (722,988) (224,408) (216,154) (142,503) (1,614,854)
(5,105,107) (981,962) (2,240,273) (1,853,581) (219,082) (288,516) (10,688,521)
(2,261,275) 62,974 1,321,185 (110,694) 1,120,755 844,291 977,236
H 159
2021 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) (8,254) (7,384) (134) – (7,216) (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)
(1,631,024) 12,815 1,124,288 (326,763) 966,326 732,986 878,628
(1,631,024) 12,815 1,124,288 (326,763) 966,326 732,986 878,628
3.2.5
2021 12 31 1 6.3757 2020 12 31
6.5249 1 0.8176 2020 12 31 0.8416
160
2021 12 31
( )
3
3.2
3.2.5
2021 12 31
659,377 32,034 30,113 13,204 734,728
316,755 276,807 19,944 19,202 632,708
32,268 5,982 482 488 39,220
539,513 79,414 727 18,829 638,483
5,882,592 294,495 164,923 70,191 6,412,201
309,518 283,663 37,699 50,849 681,729
2,169,831 29,760 812 2,634 2,203,037
173,258 137,483 7,292 5,618 323,651
10,083,112 1,139,638 261,992 181,015 11,665,757
(1,496,464) (389,507) (22,857) (38,940) (1,947,768)
(34,217) (3,196) (41) (12,594) (50,048)
(27,910) (7,021) (614) (529) (36,074)
(6,341,729) (387,816) (262,148) (48,084) (7,039,777)
(1,392,157) (176,573) (20,418) (25,706) (1,614,854)
(9,292,477) (964,113) (306,078) (125,853) (10,688,521)
790,635 175,525 (44,086) 55,162 977,236
1,721,510 137,769 19,797 27,349 1,906,425
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 161
2021 12 31
( )
3
3.2
3.2.6
3.3
3.3.1
3.3.2
3.3.3
2021 12 31
– – (816,423) (339,984) (249,157) (500,344) (47,994) (8,049) (1,961,951)
– – (11,631) (24,958) (1,999) (10,248) (1,287) – (50,123)
– – (2,917,674) (896,297) (548,993) (1,062,886) (1,719,819) (40) (7,145,709)
– – – (102,215) (159,431) (627,356) (15,167) (29) (904,198)
– – – (8,495) (12,810) (125,943) (243,207) (177,668) (568,123)
– – (47,545) (157) (719) (1,547) (27,187) (64,710) (141,865)
– – (3,793,273) (1,372,106) (973,109) (2,328,324) (2,054,661) (250,496) (10,771,969)
– 630,776 103,648 – 304 – – – 734,728
– – 88,993 171,571 89,939 229,521 47,273 11,908 639,205
– 376,060 2,697 25,865 47,830 96,235 53,221 56,240 658,148
50,266 – – 526,302 331,408 1,600,584 1,962,475 4,708,281 9,179,316
29 16,262 – 17,767 57,326 129,941 327,239 205,699 754,263
2,397 – – 18,705 41,124 328,799 1,216,983 983,448 2,591,456
4,198 – 63,307 – – – – – 67,505
56,890 1,023,098 258,645 760,210 567,931 2,385,080 3,607,191 5,965,576 14,624,621
56,890 1,023,098 (3,534,628) (611,896) (405,178) 56,756 1,552,530 5,715,080 3,852,652
162
2021 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)
– – (7,107) (6,323) (7,692) (8,131) (137) – (29,390)
– – (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)
– – (3,548,252) (1,067,232) (1,062,448) (1,908,124) (2,060,827) (234,581) (9,881,464)
– 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 (3,215,978) (307,780) (499,928) 193,510 1,223,216 4,977,048 3,388,938
3.3.4
(a)
2021 12 31
10 1 23 – – 34
416 823 2,880 7,044 647 11,810
426 824 2,903 7,044 647 11,844
– (34) (27) – – (61)
(408) (900) (3,096) (6,989) (381) (11,774)
(408) (934) (3,123) (6,989) (381) (11,835)
H 163
2021 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)
(b)
2021 12 31
(1,094,721) (879,191) (1,402,398) (109,071) (15,480) (3,500,861)
1,095,392 879,647 1,404,576 111,697 14,918 3,506,230
671 456 2,178 2,626 (562) 5,369
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
164
2021 12 31
( )
3
3.3
3.3.5
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
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
H 165
2021 12 31
( )
3
3.3
3.3.6
1 1 5 5
2021 12 31
924,244 30,785 14,922 969,951
796,027 138,818 1,629 936,474
1,720,271 169,603 16,551 1,906,425
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
3.4
(a)
(1)
(2)
(3)
166
2021 12 31
( )
3
3.4
(a)
(b)
2021 12 31 2020 12 31
2,203,037 2,234,814 2,019,529 2,031,222
(491,372) (496,082) (484,382) (485,175)
2021 12 31
7,757 2,138,742 88,315 2,234,814
– (496,082) – (496,082)
2020 12 31
2,530 1,920,866 107,826 2,031,222
– (485,175) – (485,175)
H 167
2021 12 31
( )
3
3.4
(c)
2021 12 31
2,719 96,360 – 99,079
– 1,302 – 1,302
7,272 93,464 162 100,898
3,317 40,347 2,991 46,655
685 287,847 16,644 305,176
7,826 5,081 50,542 63,449
– 21,924 – 21,924
– 27,196 – 27,196
– 10,987 1,037 12,024
– 27 – 27
21,819 584,535 71,376 677,730
50,353 254,012 – 304,365
1,422 3,148 – 4,570
114,620 139,981 – 254,601
72,810 28,825 296 101,931
7,357 1,636 7,269 16,262
– 184,696 10 184,706
246,562 612,298 7,575 866,435
246,562 612,298 7,575 866,435
268,381 1,196,833 78,951 1,544,165
– (1,400) – (1,400)
– (15,247) – (15,247)
– (134) – (134)
– (1,385) – (1,385)
– (31,882) – (31,882)
– (24,898) – (24,898)
– (11,176) – (11,176)
– (12,153) – (12,153)
– (98,275) – (98,275)
168
2021 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)
H 169
2021 12 31
( )
3
3.4
2021 1 1 65,024 8,166
4,951 48
– (1,233)
10,723 975
(9,286) (381)
(36) –
2021 12 31 71,376 7,575
2021 12 31
1,998 46
2,000 (1,231)
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)
3.5
2021 12 31
170
2021 12 31
( )
3
3.6
5% 6% 8%
2.5%
0.75%
2014 4
2021 2020
12 31 12 31
(%) 10.62 10.87
(%) 13.01 12.88
(%) 15.45 15.25
789,887 732,863
(6,010) (5,252)
783,877 727,611
176,348 134,610
960,225 862,221
179,732 159,025
1,139,957 1,021,246
7,379,912 6,695,462
H 171
2021 12 31
( )
4
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
5
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
6
12 31
2021 2020
2,560 2,473
1,744 1,321
408 418
4,712 4,212
172
2021 12 31
( )
6
12 31
2021 2020
– –
7
12 31
2021 2020
20,621 14,277
2,539 1,100
184 (1,533)
23,344 13,844
2021 12 31
227 2020 12 31 184
8
12 31
2021 2020
17,141 15,731
(626) (561)
16,515 15,170
9
12 31
2021 2020
13,843 13,436
2,020 1,848
183 180
454 166
2,535 2,259
19,035 17,889
H 173
2021 12 31
( )
10
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
11
12 31
2021 2020
1,981 485
55 –
284 (1)
2,320 484
12
12 31
2021 2020
15,643 13,282
958 (401)
1,084 2,288
(631) 560
17,054 15,729
13
12 31
2021 2020
14 36,825 32,749
29,621 25,367
8,099 7,888
9,108 9,518
3,001 2,823
(199) 32
3,589 3,650
90,044 82,027
174
2021 12 31
( )
14
12 31
2021 2020
25,383 22,920
(a) 4,093 3,062
7,349 6,767
36,825 32,749
(a)
10% 27%
2009 1 1
2021 12 31
12 31
2021 2020
2,494 1,577
1,575 1,468
4,069 3,045
2021 2020
12 31 12 31
105 69
50 73
155 142
2008 12 31
2021 2020
12 31 12 31
385 467
12 31
2021 2020
24 17
(55) 132
(31) 149
H 175
2021 12 31
( )
14
(a)
12 31
2021 2020
467 399
(51) (81)
21 14
3 3
(55) 132
385 467
2021 12 31 12.31 2020 12 31 13.20
39 2020 40
2021 12 31 3.07% 2020 12 31
3.51% 0.81% 2020 12 31 2.87%
2021 12 31 60
23.13 2020 12 31 23.13 55 33.13 2020 12 31 33.13
(1) 100 35 40
(2) 1% 39 35
(3) 29
30
176
2021 12 31
( )
15
(a)
2021 12 31
– 619 210 829
– 619 206 825
– – – –
– – – –
– – – –
– – – –
– – – –
310 – – 310
310 – – 310
– – – –
310 – – 310
– – – –
330 – – 330
– – – –
– – – –
– – – –
– 280 – 280
– 260 – 260
– 260 – 260
– 956 211 1,167
– 962 211 1,173
– 79 18 97
– 258 87 345
– 819 211 1,030
1,260 5,112 1,154 7,526
2021 12 31
2021
– 416 84 500
– 103 34 137
– 73 22 95
– 592 140 732
H 177
2021 12 31
( )
15
(a)
2020 12 31
– 783 161 944
– 457 93 550
– 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 4,772 790 6,531
2020 12 31
2020
– 235 52 287
– 444 75 519
– 574 101 675
– 211 – 211
– 291 – 291
– – – –
– 569 91 660
– 921 167 1,088
– 3,245 486 3,731
178
2021 12 31
( )
15
(a)
(1) 2021
2021 2020 2021 9 10
2021
(2)
(3) 2021 2020
(4)
(5) 2021 1 8
(b)
12 31
2021 2020
15 14
13 15
2 2
30 31
12 31
2021 2020
4,500,001 5,000,000 1 2
5,000,001 5,500,000 3 2
5,500,001 6,000,000 – –
6,000,001 6,500,000 – –
6,500,001 7,000,000 – –
7,000,001 7,500,000 – –
7,500,001 8,000,000 – –
8,000,001 8,500,000 – –
8,500,001 9,000,000 – –
9,000,001 9,500,000 – –
9,500,001 10,000,000 – –
10,000,001 10,500,000 1 –
10,500,001 11,000,000 – –
11,000,001 11,500,000 – 1
5 5
2021 2020
H 179
2021 12 31
( )
16
12 31
2021 2020
7,522 8,247
608 630
753 577
8,883 9,45
27 (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)
17
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
180
2021 12 31
( )
18
2021 2020
12 31 12 31
13,298 15,353
624,340 634,239
90,350 160,863
6,436 6,786
304 320
734,728 817,561
2021 2020
12 31 12 31
% %
10.00 11.00
9.00 5.00
19
2021 2020
12 31 12 31
83,372 90,965
36,422 68,274
298 196
(202) (265)
15,410 6,332
13,040 3,657
31,498 27,905
16 –
13,512 3,670
33 26
(141) (34)
111,677 113,890
77,490 95,886
194,502 118,172
54,176 40,515
3,568 2,890
(1,963) (949)
632,708 571,130
H 181
2021 12 31
( )
20
2021 2020
12 31 12 31
1,246 2,370
(a) 97,132 3,043
701 1,121
42,371 23,853
(a) 90,909 109,422
3,002 4,445
12,573 8,780
1,823 1,419
11,493 7,956
50,133 48,106
42 –
663 474
304,471 251,624
21,924 19,975
638,483 482,588
638,483 482,588
(a)
2021 2020
12 31 12 31
100,898 99,671
46,655 45,244
99,079 6,534
1,302 1,585
247,934 153,034
182
2021 12 31
( )
21
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)
H 183
2021 12 31
( )
21
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
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)
12 31
2021 2020
4,405 (4,314)
(4,386) 4,462
19 148
(b)
184
2021 12 31
( )
21
(b)
2021 12 31
1,133 2020 12 31 1,761
617 2020 12 31 1,085
22
22.1
2021 2020
12 31 12 31
6,375,667 5,637,932
184,706 210,492
27 –
(160,089) (139,274)
– –
13,985 12,980
(2,095) (1,562)
6,412,201 5,720,568
22.2
2021 2020
12 31 12 31
2,085,835 1,812,785
1,056,138 990,248
3,418,427 3,045,391
2,488,276 2,191,847
930,151 853,544
6,560,400 5,848,424
22.3
1 2 3
2021 1 1 3,419,530 158,690 78,830 3,657,050
563,949 (76,364) (13,664) 473,921
– – (32,518) (32,518)
(132,463) 87,398 45,065 –
1 2 (111,830) 111,830 – –
1 3 (20,633) – 20,633 –
2 3 – (24,432) 24,432 –
(7,436) (351) (95) (7,882)
2021 12 31 3,843,580 169,373 77,618 4,090,571
H 185
2021 12 31
( )
22
22.3
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
12
2021 1 1 27,418 29,034 47,973 104,425
7,072 (12,343) (3,338) (8,609)
– – (32,518) (32,518)
(823) (6,046) 6,869 –
1 2 (708) 708 – –
1 3 (115) – 115 –
2 3 – (6,754) 6,754 –
4,198 23,500 26,739 54,437
(79) 237 3,359 3,517
2021 12 31 37,786 34,382 49,084 121,252
1 2 3
12
2020 1 1 23,125 39,960 42,085 105,170
2,477 (7,358) (7,717) (12,598)
– – (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
(151) 648 2,105 2,602
2020 12 31 27,418 29,034 47,973 104,425
186
2021 12 31
( )
22
22.3
1 2 3
2021 1 1 1,953,764 8,345 18,773 1,980,882
323,943 (1,673) (2,411) 319,859
– – (14,633) (14,633)
(22,259) 4,814 17,445 –
1 2 (8,772) 8,772 – –
1 3 (13,487) – 13,487 –
2 3 – (3,958) 3,958 –
(1,007) 1 (6) (1,012)
2021 12 31 2,254,441 11,487 19,168 2,285,096
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
12
2021 1 1 16,008 3,836 15,005 34,849
1,854 (93) (1,379) 382
– – (14,633) (14,633)
290 (1,410) 1,120 –
1 2 566 (566) – –
1 3 (276) – 276 –
2 3 – (844) 844 –
1,469 2,179 12,929 16,577
(4) (2) 1,668 1,662
2021 12 31 19,617 4,510 14,710 38,837
H 187
2021 12 31
( )
22
22.3
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
(6) (2) 1,474 1,466
2020 12 31 16,008 3,836 15,005 34,849
1 2 3
2021 1 1 203,706 6,691 95 210,492
(22,530) (3,020) 303 (25,247)
– – (368) (368)
(1) – 1 –
1 2 – – – –
1 3 (1) – 1 –
2 3 – – – –
(150) – (21) (171)
2021 12 31 181,025 3,671 10 184,706
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
188
2021 12 31
( )
22
22.3
1 2 3
12
2021 1 1 878 47 362 1,287
34 (47) (2) (15)
– – (368) (368)
(84) 64 20 –
1 2 (64) 64 – –
1 3 (20) – 20 –
2 3 – – – –
109 (16) 80 173
– – (4) (4)
2021 12 31 937 48 88 1,073
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
22.4
2021 12 31
1 90 90 360 360 3
3
10,351 10,096 5,215 1,035 26,697
3,315 7,693 6,853 2,364 20,225
9,498 11,644 15,096 4,002 40,240
7,729 8,925 12,324 3,419 32,397
1,769 2,719 2,772 583 7,843
23,164 29,433 27,164 7,401 87,162
H 189
2021 12 31
( )
22
22.4
2020 12 31
1 90 90 360 360 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
23
2021 2020
12 31 12 31
13,474 7,743
2,044,176 1,864,919
120,387 121,740
27,958 28,177
(2,958) (3,050)
2,203,037 2,019,529
168,690 161,286
417,119 435,675
73,382 120,306
6,276 6,606
665,467 723,873
3,238 158
5,755 3,473
7,269 7,716
16,262 11,347
681,729 735,220
2021 12 31
615 2020 12 31 49
190
2021 12 31
( )
23
2021 2020
12 31 12 31
1,922,479 1,710,428
117,156 148,404
47,035 29,983
21,201 21,979
2,107,871 1,910,794
304,365 340,723
254,601 304,690
101,931 75,084
4,570 3,376
665,467 723,873
1 2 3
2021 1 1 2,013,336 8,449 794 2,022,579
529,086 1,219 2,481 532,786
(344,577) (1,844) (2,025) (348,446)
1,550 (3,575) 2,025 –
1 2 1,550 (1,550) – –
1 3 – – – –
2 3 – (2,025) 2,025 –
(222) (12) 14 (220)
(704) – – (704)
2021 12 31 2,198,469 4,237 3,289 2,205,995
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
H 191
2021 12 31
( )
23
1 2 3
2021 1 1 723,523 278 72 723,873
362,679 – – 362,679
(411,717) (553) (39) (412,309)
(4,006) 4,006 – –
1 2 (4,006) 4,006 – –
1 3 – – – –
2 3 – – – –
(368) 41 (4) (331)
(6,694) – – (6,694)
(1,751) – – (1,751)
2021 12 31 661,666 3,772 29 665,467
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
12
2021 1 1 1,844 682 524 3,050
45 19 91 155
– 258 (223) 35
– – – –
– – – –
274 (673) 399 –
1 2 274 (274) – –
1 3 – – – –
2 3 – (399) 399 –
(465) 85 101 (279)
(3) – – (3)
2021 12 31 1,695 371 892 2,958
192
2021 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
2021 1 1 670 11 563 1,244
(4) – – (4)
– (11) (116) (127)
– – – –
– – – –
(9) 9 – –
1 2 (9) 9 – –
1 3 – – – –
2 3 – – – –
(111) 1 27 (83)
9 – (18) (9)
2021 12 31 555 10 456 1,021
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
H 193
2021 12 31
( )
24
24.1
(%)
14,000,000,000 100.00 –
333
5,764,705,882 85.00 –
333
200,000,000 65.00 –
8
5,100,000,000 62.50 –
333
2,734,392,000 68 73.14 –
FENG WANG 400,000,000 8 100.00 –
230,000,000 97.29 –
1
168-170
180,000,000 51.00 –
1
150,000,000 51.00 –
127
150,000,000 51.00 –
156
350,000,000 7 Rue de la 100.00 –
Chapelle, L-1325
Luxembourg,
Luxembourg
10,000,000,000 100.00 –
333
37,900,000,000 20 100.00 –
8,000,000,000 100.00 –
333
Bocom Brazil Holding 533,377,877 Avenida Baro de Tefé, 100.00 –
Company Ltda 34, salas 1701,
1702, 1801 e
1802, Saúde, Rio
de Janeiro, Brazil
BANCO BoCom BBM Alexandre 313,686,111 Av Baro de Tefé, 34- – 80.00
S.A. Lowenkron 20 e 21, Rio de
Janeiro, Brazil,
20220-460
2021 12 31
194
2021 12 31
( )
24
24.2
2021 12 31
2020 12 31
2021 12 31
2020 12 31
2021 12 31 PricewaterhouseCoopers, Société
coopérative 2020 12 31 PricewaterhouseCoopers, Société coopérative)
2021 12 31 Bocom Brazil Holding Company Ltda BANCO Bocom BBM S.A.
PricewaterhouseCoopers LLP 2020 12 31 PricewaterhouseCoopers LLP)
25
2021 2020
12 31 12 31
4,062 3,312
1,599 1,328
93 77
(204) (147)
5,550 4,570
229 111
5,779 4,681
2,741 2001 12
3 2021 12 31 9.01% 2020 12
31 9.01%
14 3
3,320 2011 12 30
2021 12 31 10.60% 2020 12 31
10.60%
11 3
H 195
2021 12 31
( )
26
2021 1 1 62,743 3,369 26,655 136,705 9,654 239,126
36 1,351 3,486 16,758 200 21,831
(422) – (2,687) (9,596) (150) (12,855)
1,334 (1,727) – – 393 –
899 – – – – 899
– – – – – –
– (30) – – – (30)
2021 12 31 64,590 2,963 27,454 143,867 10,097 248,971
2021 1 1 (20,459) – (20,679) (21,241) (6,485) (68,864)
(2,007) – (2,242) (6,738) (731) (11,718)
183 – 2,592 2,430 104 5,309
– – – – – –
2021 12 31 (22,283) – (20,329) (25,549) (7,112) (75,273)
2021 1 1 – (16) – (775) – (791)
– – – (1,981) – (1,981)
– – – 268 – 268
2021 12 31 – (16) – (2,488) – (2,504)
2021 12 31 42,307 2,947 7,125 115,830 2,985 171,194
2021 12 31 57,988 2020 12 31
58,496
2021 12 31 198 2020 12 31 198
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
196
2021 12 31
( )
27
2021 12 31 25%
2020 12 31 25% 16.5% 2020 12 31
16.5%
2021 12 31 2020 12 31
(6,240) (1,560) (6,272) (1,568)
(3,464) (866) (3,724) (931)
(39,220) (9,667) (54,212) (13,648)
(3,020) (755) (2,836) (709)
(6,764) (1,691) (3,014) (754)
(58,708) (14,539) (70,058) (17,610)
119,972 29,993 101,480 25,370
9,672 2,418 8,672 2,168
5,132 1,283 4,292 1,073
36,074 9,250 55,942 13,740
7,067 1,767 7,885 1,964
177,917 44,711 178,271 44,315
119,209 30,172 108,213 26,705
2021 2020
12 31 12 31
32,061 27,991
(1,889) (1,286)
2021 2020
12 31 12 31
26,705 23,147
44,315 33,452
(17,610) (10,305)
3,863 2,599
(396) 959
30,172 26,70
44,711 44,315
(14,539) (17,610)
H 197
2021 12 31
( )
28
2021 2020
12 31 12 31
66,062 44,950
(a) (3,265) (2,764)
16,328 11,865
(b) 6,340 7,353
(c) 6,777 6,669
4,878 10,631
(1)
4,250 3,784
2,077 2,057
(d) 1,797 1,550
721 599
1,030 967
(e) 395 401
458 466
31 33
6,738 6,10
114,617 94,665
1
(a)
2021 2021
1 1 12 31
(2,764) (2,137) 1,020 1,111 (356) (140) 1 (3,265)
2020 2020
1 1 12 31
(2,717) (1,972) 1,117 929 – (107) (14) (2,764)
(b)
2021 2021
1 1 12 31
7,353 (899) 183 (297) 6,340
2020 2020
1 1 12 31
7,894 (577) 180 (144) 7,353
198
2021 12 31
( )
28
(b)
2021 12 31
2021
12 31
– – 770 770
– – 5,570 5,570
(c)
2021 2020
12 31 12 31
13,693 13,513
2,946 3,030
(2,659) (2,850)
13,980 13,693
(7,024) (6,992)
(2,416) (2,445)
2,237 2,413
(7,203) (7,024)
6,777 6,669
6,640 6,532
2021 12 31 158 2020 12
31 136
(d)
2021 1 1 3,888
633
–
(17)
2021 12 31 4,504
2021 1 1 (2,338)
(376)
–
7
2021 12 31 (2,707)
1,797
H 199
2021 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
(e)
2021 2021
1 1 12 31
200 – – – 200
122 – – – 122
BANCO Bocom BBM S.A. 79 – – (6) 73
401 – – (6) 395
2020 2020
1 1 12 31
200 – – – 200
122 – – – 122
BANCO Bocom BBM S.A. 108 – – (29) 79
430 – – (29) 401
200
2021 12 31
( )
29
2021 2020
12 31 12 31
334,794 472,460
4,564 6,285
242,492 200,025
11,871 28,084
831,784 664,299
6,810 9,548
3,683 3,002
284,232 164,583
170,980 153,341
2,364 2,500
8,583 9,124
860 1,019
9,782 9,706
801 3,283
32,411 25,515
1,716 9,312
– 25,363
41 42
1,947,768 1,787,491
30
2021 2020
12 31 12 31
134 –
1,400 7,868
15,247 16,104
1,385 417
(a) 31,882 4,890
50,048 29,279
(a) 2021 12 31
H 201
2021 12 31
( )
30
2021 2020
12 31 12 31
34,667 13,175
34,709 12,962
(42) 213
2021 12 31 2020 12 31
31
2021 2020
12 31 12 31
2,061,672 2,005,934
2,488,348 2,335,590
850,831 812,534
1,551,981 1,379,697
3,359 5,499
6,956,191 6,539,254
83,586 68,076
7,039,777 6,607,330
220,878 229,546
32
BANCO BoCom BBM S.A.
202
2021 12 31
( )
33
2021 2020
12 31 12 31
33.1 – 25,950
33.1 4,800 –
33.2 139,971 113,945
33.2 8,371 1,995
33.3 256,571 251,580
33.3 75,501 85,767
6,158 5,145
491,372 484,382
33.3 12,153 13,373
503,525 497,755
2021 12 31 2020 12 31
33.1
%
11 01 5.75 26,000 2011/10/21 15 (a) – 25,950
– 25,950
21 01 4.30 3,000 2021/03/25 10 (b) 3,000 –
21 02 3.93 1,800 2021/07/27 10 (c) 1,800 –
4,800 –
4,800 25,950
(a) 2021 10 24 11 01
(b) 100%
5
(c) 100%
5
H 203
2021 12 31
( )
33
33.2
%
14 01 3.625 500 2014/10/03 12 (a) – 3,984
17 4.50 30,000 2017/04/11 10 (b) 29,978 29,973
19 01 4.10 30,000 2019/08/14 10 (c) 29,998 29,993
19 02 4.49 10,000 2019/08/14 15 (d) 9,999 9,999
20 3.24 40,000 2020/05/19 10 (e) 39,996 39,996
21 3.65 30,000 2021/09/23 10 (f) 30,000 –
139,971 113,945
18 5.15 2,000 2018/09/18 10 (g) 1,996 1,995
21 2.304 1,000 2021/07/08 10 (h) 6,375 –
8,371 1,995
148,342 115,940
(a) 2021 10 3 14 01
(b)
5 2022 4 13
(c)
2024 8 16
(d)
2029 8 16
(e)
2025 5 21
204
2021 12 31
( )
33
33.2
(f)
2026 9 27
(g)
5 2023 9 20
(h) 2026 7 8 21 2026 7 8
5 140
33.3
%
16 02 3.25 20,000 2016/11/18 5 – 20,000
18 3.79 10,000 2018/11/28 3 – 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 50,000
20 02 3.50 40,000 2020/11/11 3 40,000 40,000
21 3.40 40,000 2021/04/06 3 40,000 –
14 C 4.15 500 2014/06/23 7 – 500
17 02 3MLibor+0.88 300 2017/05/15 5 1,912 1,957
17 04 3MLibor+0.90 600 2017/12/04 5 3,825 3,915
18 01 3MLibor+0.75 600 2018/05/17 3 – 3,915
18 02 3MLibor+0.85 700 2018/05/17 5 4,462 4,567
20 01 2.25 2,800 2020/01/22 2 2,289 2,357
20 02 3MLibor+0.58 1,300 2020/01/22 3 8,287 8,482
20 04 3MLibor+0.75 100 2020/06/05 3 637 651
20 05 3MLibor+0.8 650 2020/07/20 3 4,143 4,241
20 06 3MLibor+0.9 400 2020/07/20 5 2,550 2,610
20 07 1.20 800 2020/09/10 5 5,084 5,199
20 08 3MLibor+0.8 350 2020/09/10 3 2,231 2,284
0.85 1,200 2021/12/15 2 951 –
P14JHTP1C 3.90 700 2014/12/04 7 – 702
P14JHTP1D 4.00 200 2014/12/04 10 200 200
256,571 251,580
H 205
2021 12 31
( )
33
33.3
%
13 3.75 500 2013/03/06 10 3,187 3,260
5 2.625 600 2016/03/15 5 – 3,914
3 3.50 300 2018/01/25 3 – 1,957
5 3.75 950 2018/01/25 5 6,047 6,179
10 4.00 250 2018/01/25 10 1,580 1,614
19 110%SELIC 200 2019/01/30 5 46 48
16 03 3.25 500 2016/09/07 5 – 449
18 01 4.53 4,000 2018/07/05 3 – 3,998
18 02 4.14 4,000 2018/10/22 3 – 3,997
19 01 3.68 5,000 2019/05/20 3 4,998 4,994
19 02 3.65 5,000 2019/07/08 3 4,998 4,994
19 03 3.49 3,500 2019/10/22 3 3,498 3,495
20 01 3.65 3,000 2020/11/05 3 2,996 2,915
21 01 3.62 4,000 2021/03/01 3 3,993 –
21 02 3.45 3,000 2021/04/22 3 2,625 –
AzureNova 2.625 1,000 2016/10/25 5 – 6,514
AzureNova 3.50 1,050 2017/03/21 5 6,692 6,843
AzureNova 4.25 250 2017/03/21 10 1,589 1,626
19 01 4.00 800 2019/01/22 3 3,693 3,726
19 02 4.375 700 2019/01/22 5 2,766 2,713
19 03 3MLibor+1.20 120 2019/04/12 3 765 783
19 04 3MLibor+1.175 400 2019/09/05 5 1,129 1,319
19 05 2.625 200 2019/09/05 5 723 767
19 06 3MLibor+1.05 180 2019/10/25 3 1,148 1,174
19 07 3MLibor+1.075 600 2019/12/10 5 1,585 1,773
20 01 3MLibor+0.95 500 2020/03/02 5 1,710 2,021
20 02 3MLibor+0.83 300 2020/03/02 3 1,492 1,602
20 03 1.750 350 2020/07/08 3 1,515 1,650
20 04 3MLibor+1.70 450 2020/07/08 5 1,348 1,457
21 01 1.125 500 2021/06/16 3 1,865 –
21 02 1.07 100 2021/09/27 3 634 –
21 01 1.75 500 2021/06/22 5 2,890 –
20 01 2.70 3,000 2020/03/11 3 2,999 2,997
20 02 2.80 7,000 2020/03/11 5 6,990 6,988
75,501 85,767
332,072 337,347
%
14 4.00 500 2014/02/14 7 – 428
19 3.40 2,500 2019/03/21 2 – 2,526
19 2.85 3,500 2019/03/21 5 3,027 3,157
19 3MLibor+0.78 800 2019/03/21 3 5,106 5,226
20 03 3.15 2,000 2020/01/22 2 2,034 2,036
21 01 0.95 1,200 2021/12/13 2 980 –
21 02 3.15 1,000 2021/12/13 3 1,006 –
12,153 13,373
206
2021 12 31
( )
34
2021 2020
12 31 12 31
74,493 58,842
24,056 31,482
16,015 23,212
14,401 11,591
6,842 6,893
6,640 6,532
(a) 472 1,032
(b) 9,242 10,500
5,639 4,208
2,108 2,571
81 124
52,706 44,835
212,695 201,822
(a)
2021 2021
1 1 12 31
1,032 99 (361) (298) – 472
2020 2020
1 1 12 31
1,029 120 (29) (88) – 1,032
(b)
1 2 3
12
2021 1 1 6,858 3,642 – 10,500
1,200 (65) – 1,135
– (3,244) – (3,244)
(37) 37 – –
1 2 (37) 37 – –
725 138 – 863
(10) (2) – (12)
2021 12 31 8,736 506 – 9,242
H 207
2021 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
35
1
2021 1 1 74,263 74,263 111,428
2021 12 31 74,263 74,263 111,428
1
2020 1 1 74,263 74,263 113,663
2020 12 31 74,263 74,263 111,428
2021 12 31 2020 12 31 A 39,251 H 35,012
1
2021 12 31 2020 12 31
2021 2021
1 1 12 31
110,770 – – 110,770
658 – – 658
111,428 – – 111,428
2020 2020
1 1 12 31
113,005 – (2,235) 110,770
658 – – 658
113,663 – (2,235) 111,428
208
2021 12 31
( )
36
36.1
36.1.1
%
2016 9 2 4.07 100 450,000,000 45,000 45,000
45,000
(48)
44,952
36.1.2
2021 2021
1 1 12 31
450,000,000 – – 450,000,000
44,952 – – 44,952
36.1.3
(a)
(1) 3.90%
(2) 5 20 5
0.01% 1.37%
2021 9 7 4.07%
(b)
H 209
2021 12 31
( )
36
36.1
36.1.3
(c)
A 6.25
(d)
(e)
2021 9 2
36.2
36.2.1
%
19 (1) 2019 9 20 4.20 100 400,000,000 40,000 40,000
20 (2) 2020 9 25 4.59 100 300,000,000 30,000 30,000
21 (2) 2021 6 10 4.06 100 415,000,000 41,500 41,500
(3) 2020 11 18 3.80 200,000 14,000 2,800 18,366
129,866
(28)
129,838
36.2.2
(1) 2019 9 18 400
2019 9 20 100
4.20% 5
5 5
210
2021 12 31
( )
36
36.2
36.2.2
5.125%
5.125%
(2) 2020 9 23 300
2020 9 25 100
4.59% 5
2021 6 8 415
2021 6 10 100 4.06%
5
5 5
(3) 2020 11 18 28
3.80% 5
5 5
H 211
2021 12 31
( )
36
36.2
36.2.2
36.3
2021 2020
12 31 12 31
964,647 866,607
789,857 733,315
44,952 44,952
129,838 88,340
12,589 12,021
9,424 8,763
39 3,165 3,258
2021 12 31 38
37
10%
50%
2021 6 29 2020 6,897
2021 2021
1 1 12 31
72,431 7,536 – 79,967
139,930 92 – 140,022
212,361 7,628 – 219,989
212
2021 12 31
( )
37
2012 7 1 [2012]20
1.5%
2021 6 29
2020 2020 :
2021 2021
1 1 12 31
123,163 7,117 – 130,280
2021 6 29 2020 6,432
11 2020
2020 12 31 456
2,526
(1,160)
(347)
56
2021 12 31 1,531
2019 12 31 3,421
(2,452)
(1,344)
858
(27)
2020 12 31 456
2021 1 1 214,448
87,581
(7,536)
(7,117)
(92)
(23,541)
(1,755)
(3,858)
(56)
2021 12 31 258,074
2020 1 1 177,141
78,274
(7,534)
(5,596)
(77)
(23,393)
(2,714)
(1,680)
27
2020 12 31 214,448
H 213
2021 12 31
( )
38
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
2022 3 25 2022 7,522
11,422 2021 12 31 74,263 1
A H 0.355
26,363
39
2021 12 31
3,165
2020 3 3
2020 3 3
500
2025 3 3
3.725%
2.525%
214
2021 12 31
( )
39
2021
122
40
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
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
H 215
2021 12 31
( )
40
2021 12 31 78,594
2020 12 31 81,548
2021 12 31 2020 12 31
34
2021 2020
12 31 12 31
4,096 3,876
34 472 1,032
41
(1)
12
2021 2020 2021 2020
12 31 12 31 12 31 12 31
382,640 520,254 326,776 456,210
3,531 28,854 3,531 28,854
386,171 549,108 330,307 485,064
46
2021 12 31
5,090 2020 12 31 6,401
(2)
2021 12 31 731 2020 12 31
2021 12 31 2020 12 31
216
2021 12 31
( )
42
2021 12 31
43 (12) 31
614 (155) 459
(571) 143 (428)
2,925 (571) 2,354
3,514 (718) 2,796
(589) 147 (442)
516 (88) 428
1,133 (242) 891
(617) 154 (463)
(3,450) – (3,450)
(1,830) 275 (1,555)
(36) – (36)
55 – 55
16 – 16
(1,761) (396) (2,157)
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)
H 217
2021 12 31
( )
43
90
2021 2020
12 31 12 31
103,648 171,950
90,660 135,170
194,308 307,120
44
2021 12 31
182,733 2020 12 31
36,716
45
2021 12 31
2021 12 31 1,426,253 2020 12 31
1,211,959 547,188
721,946 2020 12 31 339,871
843,540
2021 12 31
11,775 2020 12 31 9,856
2020 12 31 1
2021
218
2021 12 31
( )
45
2021 12 31 2020 12 31
2021 12 31
144,421 – – 144,421
13,445 – 83,245 96,690
3,317 620 – 3,937
63 – 134 197 \
161,246 620 83,379 245,245
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
46
46.1
2021 12 31 2020 12 31
29
H 219
2021 12 31
( )
46
46.1
2021 2020 2021 2020
12 31 12 31 12 31 12 31
– 2,020 – 1,806
46.2
2021 12 31 13,900 2020 12 31
12,640
46.3
2021 12 31 66,061
56,834 2020 12 31 53,492 41,600
13,927 2020
15,272
2021 12 31
5,529 2020 12 31 4,275
46.4
2021 12 31
12,853 2020 18,806 8,403
2020 8,790
47
(a)
2021 12 31 177.32 2020 12 31 177.32
23.88% 2020 12 31 23.88%
220
2021 12 31
( )
47
(a)
2021 2020
12 31 12 31
974,910 801,187
12 31
2021 2020
26,029 22,081
368 129
12 31
2021 2020
% %
0.13~5.06 0.13~5.32
(b)
2021 12 31 121.60 2020 12 31
121.60 16.37% 2020 12 31 16.37%
2000 8
800 11
2021 2020
12 31 12 31
92,373 87,356
12 31
2021 2020
(3,703) (3,523)
12 31
2021 2020
% %
3.50~5.20 3.85~5.30
H 221
2021 12 31
( )
47
(c)
2021 12 31 138.86 2020 12 31 138.86
18.70% 2020 12 31 18.70%
1866
Surendra Rosha 1 1,161.03
71.98 464.41
2021 2020
12 31 12 31
3,338 11,328
1,672 2,370
1,931 2,709
419 432
4,052 3,354
17,083 8,261
1,424 212
1,613 2,963
240,864 192,032
12 31
2021 2020
163 203
(95) (202)
1 52
(4) (8)
2,310 (264)
12 31
2021 2020
% %
0.0001~3.60 0.01~3.42
0.98~6.00 1.49~6.00
3.26~4.74 3.26~4.74
(0.04)~4.95 0.002~4.95
(0.40)~4.12 (0.24)~4.12
0.46~0.69 0.50~0.70
222
2021 12 31
( )
47
(d)
(e)
24
2021 2020
12 31 12 31
123,461 141,231
486 521
433 891
1,551 1,240
11,455 8,986
793 1,736
766 808
14,523 16,236
1,851 429
11,683 14,873
– 51
119 97
12 31
2021 2020
1,952 2,024
(238) (377)
1,681 1,251
(95) (191)
818 138
555 570
(82) (184)
H 223
2021 12 31
( )
47
(e)
12 31
2021 2020
% %
0.01~6.40 0.01~5.69
1.12~4.00 1.97~4.38
1.07~6.00 1.18~4.70
0.95~4.38 0.95~4.38
1.29~3.00 1.61~3.97
(0.48)~2.95 0.01~4.50
0.04~4.00 0.70~4.18
5.75 5.75
(f)
2021 2020
12 31 12 31
10 6
1 1
15
(g)
25
2021 2020
12 31 12 31
500 100
31 7
6,041 4,767
104 44
35 16
6,947 2,094
12,126 10,337
224
2021 12 31
( )
47
(g)
12 31
2021 2020
242 195
(6) (2)
(13) (14)
12 31
2021 2020
% %
0.30~3.19 0.30~1.81
0.30~4.90 2.95~5.39
0.0001~0.35 0.01~1.55
0.75~2.03 0.30~1.89
(h)
2021 2020
12 31 12 31
1,080 744
– 204
1,204 92
79,787 42,313
12 31
2021 2020
22 45
(2,543) (1,593)
12 31
2021 2020
% %
0.30~4.79 0.30~5.06
3.78 3.19~3.78
0.30~2.20 0.30~3.15
0.30~4.18 0.30~4.18
H 225
2021 12 31
( )
47
(i)
2021 12 31 2020 12 31
% %
3,838 0.01 11,428 0.02
1,703 4.34 2,377 4.38
7,122 0.11 5,512 0.10
981,312 27.85 807,886 24.96
18,391 0.01 8,397 0.01
1,424 2.85 212 0.72
1,648 4.57 2,979 5.33
172,170 2.45 129,675 1.96
247,811 3.48 194,126 3.51
12,126 0.64 10,337 0.62
2021 2020
% %
26,456 7.01 22,524 6.10
(6,347) 2.94 (5,320) 2.47
1 – 52 0.11
(4) 0.08 (8) 0.19
2,665 0.11 (149)
48
(1)
(2)
(3)
(4)
226
2021 12 31
( )
48
(5)
(6)
(7)
(8)
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)
H 227
2021 12 31
( )
48
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)
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)
228
2021 12 31
( )
48
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)
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)
H 229
2021 12 31
( )
48
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)
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)
230
2021 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
(4,832,353) (2,312,508) (2,598,865) (70,190) (9,813,916)
(5,072)
(9,818,988)
49
(a)
2021 2020
12 31 12 31
721,912 807,383
720,824 670,148
38,426 54,494
6,083,046 5,441,506
507,745 391,648
2,147,313 1,980,248
472,635 555,787
5,118 4,178
79,269 79,272
50,297 50,500
29,950 26,262
86,801 69,219
10,943,336 10,130,645
H 231
2021 12 31
( )
49
(a)
2021 2020
12 31 12 31
1,807,016 1,672,012
16,799 23,972
36,740 54,311
6,769,618 6,404,997
882,435 627,011
2,952 2,643
41 58
413,552 408,906
98,910 107,985
10,028,063 9,301,895
74,263 74,263
174,790 133,292
44,952 44,952
129,838 88,340
111,226 111,226
336,666 324,383
218,328 185,586
915,273 828,750
10,943,336 10,130,645
2022 3 25
232
2021 12 31
( )
49
(b)
2021 1 1 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
– – – – – – – – – – – – – 75,219 75,219
– – – – – – – 752 (36) 13 (1,840) 55 16 – (1,040)
– – – – – – – 752 (36) 13 (1,840) 55 16 75,219 74,179
– – 41,498 – – – – – – – – – – – 41,498
– – – – – – – – – – – – – (23,541) (23,541)
– – – – – – – – – – – – – (1,755) (1,755)
– – – – – – – – – – – – – (3,858) (3,858)
– – – – 6,897 – 6,421 – – – – – – (13,318) –
– – – – – – – 5 – – – – – (5) –
2021 12 31
74,263 44,952 129,838 111,226 77,044 139,764 122,341 (12) (24) 53 (3,804) (87) 1,391 218,328 915,273
H
233
234
2021 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
50
51
2022 2 300 2032 3.45% 2027
( )
236
237
237
238
239
H 235
( )
1
2021 12 31
1,016,873 233,474 174,843 1,425,190
(956,839) (305,411) (125,300) (1,387,550)
1,446,642 227,581 171,559 1,845,782
(1,571,846) (130,762) (222,085) (1,924,693)
5,503 (12) (747) 4,744
(59,667) 24,870 (1,730) (36,527)
121,168 31,246 7,799 160,213
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
236
( )
2
10%
2021 12 31
448,033 122,959 717,912 – 1,288,904
62,204 21,533 304,709 – 388,446
34,071 21,351 65,018 – 120,440
442 1,887 – – 2,329
42,156 3,878 23,337 – 69,371
524,702 150,075 806,267 – 1,481,044
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
3
3.1
2021 2020
12 31 12 31
23,164 25,480
15,966 10,884
13,467 23,261
34,565 30,578
87,162 90,203
(%)
0.35 0.44
0.24 0.19
0.21 0.40
0.53 0.51
1.33 1.54
H 237
( )
3
3.2
2021 2020
12 31 12 31
8,792 8,299
1,625 2,394
0.02 0.04
4
4.1
2021 12 31 2020 12 31
22,399 (13,277) 20,149 (11,213)
5,559 (3,389) 7,332 (4,050)
13,893 (9,786) 17,058 (12,068)
19,224 (10,244) 18,788 (10,673)
9,661 (6,402) 9,220 (6,136)
12,090 (9,299) 10,998 (7,891)
10,831 (10,064) 10,567 (10,466)
93,657 (62,461) 94,112 (62,497)
3,139 (1,421) 3,586 (843)
96,796 (63,882) 97,698 (63,340)
4.2
2021 12 31 2020 12 31
16,399 (9,189) 15,722 (10,996)
5,853 (3,166) 6,167 (3,208)
9,749 (6,561) 14,517 (10,140)
15,170 (8,080) 14,405 (8,252)
7,176 (4,333) 7,312 (4,748)
9,119 (6,644) 10,283 (7,194)
20,468 (12,767) 18,251 (13,048)
83,934 (50,740) 86,657 (57,586)
3,228 (1,516) 3,546 (976)
87,162 (52,256) 90,203 (58,562)
42,319 44,069
238
( )
5
5.1
2021 12 31 2020 12 31
% %
1,130 0.54 148 1,325 0.68 –
1,577 0.76 25 4,441 2.28 21
148 0.07 7 312 0.16 6
25,506 12.24 5,284 15,599 8.02 5,401
1,418 0.68 320 861 0.44 365
5,051 2.42 1,159 4,469 2.30 1,009
9,482 4.55 3,375 14,550 7.48 2,540
3,537 1.70 20 3,257 1.67 8
15,584 7.48 4,052 15,912 8.18 3,657
6,730 3.23 826 5,339 2.74 594
60,900 29.23 16,186 55,315 28.43 16,532
11,711 5.62 3,838 6,636 3.41 2,903
22,489 10.79 4,175 29,347 15.09 5,640
165,263 79.31 39,415 157,363 80.88 38,676
29,857 14.33 29,837 23,621 12.14 23,616
94 0.05 – 97 0.05 –
13,149 6.31 12,539 13,492 6.93 12,745
43,100 20.69 42,376 37,210 19.12 36,361
208,363 100.00 81,791 194,573 100.00 75,037
6,352,037 5,653,851
2017 (GB/T 4754-2017)
2021 12 31 52% 2020 12 31 52%
H 239
( )
5
5.2
2021 12 31 2020 12 31
77,628 (49,172) 78,925 (48,335)
19,168 (14,710) 18,773 (15,005)
96,796 (63,882) 97,698 (63,340)
46,194 46,359
2021 12 31 2020 12 31
45,986 (32,886) 4,443 29,855 (33,248) 3,340
16,959 (14,633) 1,881 26,414 (20,580) 1,712
62,945 (47,519) 6,324 56,269 (53,828) 5,052
240
1
3
2021 12 31 2020 12 31
1 11,665,757 10,697,615
2 (91,385) (70,282)
3 0 0
4 41,498 33,616
5 725 2,022
6 1,021,988 844,885
7 (6,010) (5,252)
8 12,632,573 11,502,604
2021 12 31 2020 12 31
1 11,426,283 10,495,090
2 (6,010) (5,252)
3 11,420,273 10,489,838
4 39,220 54,236
5 41,498 33,616
6 0 0
7 0 0
8 0 0
9 0 0
10 0 0
11 80,718 87,852
12 108,869 78,007
13 0 0
14 725 2,022
15 0 0
16 109,594 80,029
17 2,373,602 2,007,150
18 (1,351,614) (1,162,265)
19 1,021,988 844,885
20 960,225 862,221
21 12,632,573 11,502,604
22 (%) 7.60 7.50
H 241
2: 2021
1 2,143,415
2 2,283,598 218,861
3 187,863 9,287
4 2,095,735 209,574
5 4,773,737 2,005,883
6 2,658,589 663,356
7 2,099,114 1,326,493
8 16,034 16,034
9 12,989
10 2,201,657 1,262,724
11 1,227,188 1,209,533
12 162 162
13 974,307 53,029
14 58,341 58,341
15 1,825,657 67,107
16 3,625,905
17 103,994 102,556
18 837,116 545,173
19 1,241,241 1,222,887
20 2,182,351 1,870,616
21 2,031,441
22 1,755,289
23 % 115.70
242
3: 2021
<6 6-12 ≥1
1 950,277 – – 150,433 1,100,710
2 950,277 – – 143,733 1,094,010
3 – – – 6,700 6,700
4 847,332 1,609,483 10,059 760 2,230,672
5 190,908 2,990 625 568 185,365
6 656,424 1,606,493 9,434 192 2,045,307
7 2,606,884 3,291,982 725,454 444,407 3,023,305
8 2,524,843 117,421 39,694 8,173 1,349,152
9 82,040 3,174,561 685,761 436,234 1,674,153
10 – – – – –
11 54,954 311,985 18,282 361,707 387,256
12 27,725
13 54,954 311,985 18,282 333,982 387,256
14 6,741,944
15 337,642
16 99,183 100 1,500 500 50,891
17 73,115 1,804,015 1,048,456 4,680,628 5,312,307
18 – 31,502 – – 4,680
19 – 360,390 196,460 81,808 234,096
20 130 1,371,656 813,953 2,735,257 3,411,535
21 35% – 18,336 6,582 32,987 33,900
22 – 686 832 1,394,361 1,185,966
23 35% – – – – –
24 72,985 39,781 37,211 469,202 476,030
25 – – – – –
26 189,303 70,451 9,146 58,456 296,987
27 26,431 22,467
28 9,757 8,294
29 30,101 2,376
30 27,725 5,545
31 162,872 70,451 9,146 18,598 258,306
32 3,189,068 135,138
33 6,132,965
34 % 109.93
1
2 30
26
H 243
4: 2021
<6 6-12 ≥1
1 970,768 – – 139,972 1,110,740
2 970,768 – – 139,972 1,110,740
3 – – – – –
4 898,313 1,577,874 10,109 775 2,249,286
5 213,205 3,057 634 540 206,591
6 685,108 1,574,817 9,475 235 2,042,694
7 2,855,911 3,201,260 786,525 464,642 3,121,409
8 2,787,487 117,955 39,697 6,786 1,479,356
9 68,424 3,083,305 746,828 457,855 1,642,054
10 – – – – –
11 59,399 232,740 109,046 247,800 312,855
12 36,101
13 59,399 232,740 109,046 211,699 312,855
14 6,794,290
15 373,711
16 98,421 340 2,000 – 50,381
17 42,612 1,855,894 1,015,633 4,753,861 5,382,024
18 – 26,216 – – 3,896
19 – 334,814 195,396 101,570 249,490
20 – 1,416,380 791,861 2,792,283 3,470,996
21 35% – 12,499 7,116 34,380 32,155
22 – 714 883 1,447,908 1,231,520
23 35% – – – – –
24 42,611 77,770 27,494 412,099 426,121
25 – – – – –
26 191,296 68,009 9,493 77,511 310,191
27 26,357 22,404
28 10,288 8,745
29 39,220 3,119
30 36,101 7,220
31 164,938 68,009 9,493 28,003 268,703
32 3,228,439 137,793
33 6,254,099
34 % 108.64
1
2 30
26
244
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