601398
2015
1984 1 1 2005 10 28
2006 10 27
532
4.96
42
2015
1000 2000
2015 (A ) 1
1. .............................................................................................................................. 3
2. .....................................................................................................................5
3. .....................................................................................................7
4. ...................................................................................................................10
5. ...............................................................................................................13
6. ...................................................................................................................16
7. ...............................................................................................................19
7.1 .................................................................................................19
7.2 ..............................................................................................................21
7.3 ......................................................................................................................40
7.4 ......................................................................................................................67
7.5 ......................................................................................................................88
7.6 ..............................................................................................................................92
7.7 ................................................................................94
8. ...................................................................................................................96
9. ..............................................................................99
10. ...................................................107
11. .........................................................................................................121
12. .............................................................................................................142
13. .............................................................................................................148
14. .................................................................................................................152
15. .............................................................................................................157
16. ............................................................................................158
17. 2015 ....................................159
18. .........................................................................................................160
19. 2015 .......................................................................................161
20. .....................................................................................................166
2015 (A ) 2
1.
/
Standard Bank Group Limited
A
Financial Stability Board
2015 (A ) 3
571
2012 6
2015 (A ) 4
2.
2016 3 30 2015
16 14 2
2015
2015 10 2.333
2015
2015 (A ) 5
2015 (A ) 6
3.
1.
2. INDUSTRIAL AND COMMERCIAL BANK OF CHINA
LIMITED ( ICBC )
3.
4. 55
100140
86-10-66106114
86-95588
www.icbc.com.cn, www.icbc-ltd.com
5. 3 33
6.
7.
55
86-10-66108608
86-10-66107571
ir@icbc.com.cn
8.
9. A www.sse.com.cn
H www.hkexnews.hk
10.
7 A 40
8 20
2015 (A ) 7
9
10
11.
A
166 3
86-4008058058
H
183 17M
852-28628555
852-28650990
12.
13.
A
601398
H
1398
ICBC USDPREF1
4603
ICBC EURPREF1
2015 (A ) 8
4604
ICBC CNHPREF1-R
84602
1
360011
14.
618
2015 12 11 2016 12 31
15.
1 2 8
10 8
2015 (A ) 9
4.
2015 2014 2013
507,867 493,522 443,335
143,391 132,497 122,326
697,647 658,892 589,637
177,823 176,261 165,280
86,993 56,729 38,321
359,535 359,612 337,046
363,235 361,612 338,537
277,720 276,286 262,965
277,131 275,811 262,649
1
274,467 274,375 261,537
1,131,764 201,457 (1,947)
22,209,780 20,609,953 18,917,752
11,933,466 11,026,331 9,922,374
280,654 257,581 240,959
5,009,963 4,433,237 4,322,244
20,409,261 19,072,649 17,639,289
16,281,939 15,556,601 14,620,825
1,788,267 1,106,776 867,094
477,593 432,463 402,161
1,789,474 1,530,859 1,274,134
356,407 353,495 351,390
2
1,701,495 1,486,733 1,266,841
2
1,781,062 1,521,233 1,266,859
2
2,012,103 1,812,137 1,572,265
2
13,216,687 12,475,939 11,982,187
3
4.80 4.23 3.63
4
0.77 0.78 0.75
4
0.77 0.78 0.74
4
0.76 0.78 0.75
2015 (A ) 10
5
S&P A A A
5
Moody’s A1 A1 A1
1 1.
2
3
4 9
(2010 )
5
2015 2014 2013
%
1
1.30 1.40 1.44
2
17.10 19.96 21.92
2
16.93 19.86 21.83
3
2.30 2.46 2.40
4
2.47 2.66 2.57
5
2.16 2.26 2.45
20.55 20.11 20.75
6
25.49 26.75 28.03
%
7
1.50 1.13 0.94
8
156.34 206.90 257.19
9
2.35 2.34 2.43
%
10
12.87 11.92 10.57
10
13.48 12.19 10.57
10
15.22 14.53 13.12
8.11 7.46 6.76
59.51 60.53 63.34
1
2 9
(2010 )
3
4
5
6
7
8
9
10
2015 (A ) 11
2015
181,164 175,078 168,386 173,019
74,324 74,697 72,740 55,370
73,858 74,318 72,516 53,775
518,295 565,554 (331,219) 379,134
2014
162,633 165,792 160,164 170,303
73,302 74,798 72,364 55,347
73,083 74,593 72,280 54,419
247,991 170,100 (341,402) 124,768
2015 (A ) 12
5.
2015
2,777.20 0.5%
4,502.28 7.6% 17.10%
1.30% 0.77
5,078.67 2.9% 1,433.91 8.2%
0.44 20.55%
12.2%
55.4%
2015 (A ) 13
1.50%
2.76 8,808 9.1%
1.88
1.36
2,320
IT
12,778 3,972 8.2%
13 BP 203
5
2015 (A ) 14
61
6
e-ICBC e
e e
e
1.9
e 8,000
e
2016
5,000
2016
2015 (A ) 15
6.
2015
2,777.20 0.5%
1 5 1.7
10 7.3 2015 2000 8
7.6% 1.26
25.49% 0.69 15.22%
2015
2.76 8,808
9.1% 1.88
1.36
8,168 170
427
1,617 9.4%
4,365 55.4%
2015 (A ) 16
2015
1.50%
0.37
11.6 7.5
1.09 6.2
44.8%
32.0% 2.62 11.5
100% 1.25
15.9 21.4% 38.1%
9,000 1,300 235.4
52.8% 660
e-ICBC
2015 (A ) 17
2015
1000
2000 500
2016
2015 (A ) 18
7.
7.1
2015
2015
GDP 6.9% 1.4%
10.6% 12.0% 6.1%
7.0%
2015 12 M2 139.23
2015 (A ) 19
13.3% 93.95 14.3%
135.70 12.4% 15.41
9.4% 15.0% 31.7%
22.9 108.3%
6.4936 5.77%
2015 199.35
15.67% 12,744 1.67%
181.18% 10.91% 11.31%
13.45%
2016
2015 (A ) 20
7.2
7.2.1
2015
2015 2,777.20
14.34 0.5% 1.30%
17.10% 6,976.47 5.9%
5,078.67 2.9% 1,897.80 14.8%
3,381.12 13.0% 1,778.23 0.9%
1.26 25.49% 869.93 53.3%
855.15 0.2%
2015 2014 (%)
507,867 493,522 14,345 2.9
189,780 165,370 24,410 14.8
697,647 658,892 38,755 5.9
338,112 299,280 38,832 13.0
42,320 41,351 969 2.3
177,823 176,261 1,562 0.9
86,993 56,729 30,264 53.3
30,976 24,939 6,037 24.2
359,535 359,612 (77) (0.0)
3,700 2,000 1,700 85.0
363,235 361,612 1,623 0.4
85,515 85,326 189 0.2
277,720 276,286 1,434 0.5
277,131 275,811 1,320 0.5
589 475 114 24.0
2015 (A ) 21
2015
5,078.67 143.45 2.9% 72.8%
8,717.79 219.00 2.6% 3,639.12 75.55
2.1% 2015
2015 2.30% 2.47% 16
19
2015 2014
/ /
/ /
(%) (%)
11,607,327 616,541 5.31 10,599,094 615,488 5.81
4,333,202 170,833 3.94 4,047,961 159,262 3.93
4,136,085 166,399 4.02 3,817,143 154,070 4.04
(2)
197,117 4,434 2.25 230,818 5,192 2.25
(3)
3,161,562 47,867 1.51 3,087,982 48,384 1.57
(4)
1,448,398 36,538 2.52 826,615 26,745 3.24
20,550,489 871,779 4.24 18,561,652 849,879 4.58
1,515,899 1,371,253
(273,612) (253,327)
21,792,776 19,679,578
15,579,271 298,010 1.91 14,627,258 298,941 2.04
(4)
2,744,339 49,801 1.81 1,819,544 42,801 2.35
435,460 16,101 3.70 397,785 14,615 3.67
18,759,070 363,912 1.94 16,844,587 356,357 2.12
1,383,096 1,389,264
20,142,166 18,233,851
507,867 493,522
2015 (A ) 22
2.30 2.46
2.47 2.66
2015 2014
54,048 (52,995) 1,053
12,334 (763) 11,571
13,092 (763) 12,329
(758) - (758)
1,336 (1,853) (517)
15,745 (5,952) 9,793
83,463 (61,563) 21,900
18,084 (19,015) (931)
16,826 (9,826) 7,000
1,367 119 1,486
36,277 (28,722) 7,555
47,186 (32,841) 14,345
6,165.41 10.53 0.2%
2015
50
2015 (A ) 23
2015 2014
% %
3,944,455 176,248 4.47 3,684,391 185,177 5.03
7,662,872 440,293 5.75 6,914,703 430,311 6.22
11,607,327 616,541 5.31 10,599,094 615,488 5.81
2015 2014
% %
7,060,495 394,299 5.58 6,750,524 413,751 6.13
432,191 19,593 4.53 221,383 12,746 5.76
3,228,124 171,894 5.32 2,873,029 162,346 5.65
886,517 30,755 3.47 754,158 26,645 3.53
11,607,327 616,541 5.31 10,599,094 615,488 5.81
1,708.33 115.71 7.3%
1,663.99 123.29 8.0%
3,189.42 2015
2
44.34 7.58 14.6%
2014 12
478.67 5.17 1.1%
2015
2015 (A ) 24
365.38
97.93 36.6%
6,217.83
2,980.10 9.31 0.3%
81.9% 2015
13
2015 2014
% %
3,655,043 115,366 3.16 3,398,080 116,431 3.43
1
4,114,568 30,170 0.73 3,853,902 30,297 0.79
7,769,611 145,536 1.87 7,251,982 146,728 2.02
4,074,196 132,964 3.26 3,911,781 132,379 3.38
3,131,445 10,439 0.33 2,951,896 10,326 0.35
7,205,641 143,403 1.99 6,863,677 142,705 2.08
604,019 9,071 1.50 511,599 9,508 1.86
15,579,271 298,010 1.91 14,627,258 298,941 2.04
498.01
70.00 16.4%
9,247.95
161.01 14.86 10.2%
2015 (A ) 25
24.
2015 1,897.80
244.10 14.8% 27.2% 2.1
1,433.91 8.2% 463.89
41.1%
2015 2014 (%)
37,684 35,133 2,551 7.3
35,910 20,676 15,234 73.7
27,986 30,422 (2,436) (8.0)
26,791 30,474 (3,683) (12.1)
18,305 14,929 3,376 22.6
5,544 5,923 (379) (6.4)
4,687 4,614 73 1.6
1,979 2,019 (40) (2.0)
2,784 2,488 296 11.9
161,670 146,678 14,992 10.2
18,279 14,181 4,098 28.9
143,391 132,497 10,894 8.2
2015
1,616.70 149.92 10.2%
376.84 25.51 7.3%
2015 (A ) 26
359.10 152.34 73.7%
106.42 71.14 201.6%
183.05 33.76 22.6%
182.79 40.98 28.9%
2015 2014 (%)
10,409 4,920 5,489 111.6
2,796 680 2,116 311.2
1,894 3,673 (1,779) (48.4)
31,290 23,600 7,690 32.6
46,389 32,873 13,516 41.1
463.89 135.16 41.1%
54.89
21.16
18.94
17.79 76.90
2015 (A ) 27
2015 2014 (%)
114,173 112,022 2,151 1.9
13,487 15,053 (1,566) (10.4)
3,368 3,252 116 3.6
46,795 45,934 861 1.9
177,823 176,261 1,562 0.9
1,778.23
15.62 0.9% 1.26 25.49%
869.93 302.64 53.3%
860.22 297.55 52.9% 7.
40.
309.76 60.37 24.2%
855.15 1.89 0.2% 23.54%
42.
2015 (A ) 28
7.2.2
MOVA
2015 2014
% %
328,747 47.1 308,501 46.8
265,063 38.0 251,902 38.2
100,013 14.3 94,555 14.4
3,824 0.6 3,934 0.6
697,647 100.0 658,892 100.0
2015 2014
% %
76,519 11.0 70,848 10.8
119,354 17.1 117,134 17.8
82,151 11.8 80,375 12.2
132,556 19.0 116,555 17.7
84,875 12.2 84,233 12.8
104,296 14.9 103,511 15.7
31,291 4.5 33,280 5.1
66,605 9.5 52,956 7.9
697,647 100.0 658,892 100.0
2015 (A ) 29
7.2.3
2015
2015 222,097.80 15,998.27 7.8%
9,071.35 8.2%
5,767.26 13.0% 4,639.89
13.2% 52.5% 22.5%
13.8%
2015 12 31 2014 12 31
(%) (%)
11,933,466 — 11,026,331 —
280,654 — 257,581 —
11,652,812 52.5 10,768,750 52.2
5,009,963 22.5 4,433,237 21.5
3,059,633 13.8 3,523,622 17.1
683,793 3.1 782,776 3.8
996,333 4.5 468,462 2.3
807,246 3.6 633,106 3.1
22,209,780 100.0 20,609,953 100.0
2015 (A ) 30
2015
2015 119,334.66
9,071.35 8.2% 105,980.36
8,808.12 9.1%
2015 12 31 2014 12 31
(%) (%)
7,869,552 65.9 7,612,592 69.0
522,052 4.4 350,274 3.2
3,541,862 29.7 3,063,465 27.8
11,933,466 100.0 11,026,331 100.0
2015 12 31 2014 12 31
(%) (%)
2,885,948 36.7 2,982,425 39.2
4,983,604 63.3 4,630,167 60.8
7,869,552 100.0 7,612,592 100.0
2015 (A ) 31
2015 12 31 2014 12 31
(%) (%)
3,454,731 43.9 3,411,064 44.8
670,325 8.5 982,384 12.9
3,936,017 50.0 3,711,715 48.8
478,804 6.1 489,813 6.4
7,869,552 100.0 7,612,592 100.0
2,569.60 3.4%
28,859.48 36.7% 49,836.04
63.3% 436.67 1.3%
3,557.26 14.6%
2,243.02 6.0%
110.09 2.2%
1,717.78 49.0%
2015 12 31 2014 12 31
(%) (%)
2,516,197 71.1 2,070,366 67.6
311,075 8.8 309,889 10.1
295,091 8.3 316,965 10.3
419,499 11.8 366,245 12.0
3,541,862 100.0 3,063,465 100.0
4,783.97 15.6%
4,458.31 21.5%
218.74 6.9%
2015 (A ) 32
532.54 14.5%
2015
2015 50,099.63 5,767.26
13.0%
2015 12 31 2014 12 31
(%) (%)
4,775,767 95.3 4,268,560 96.3
4,548,687 90.8 3,996,664 90.2
193,187 3.9 197,128 4.4
33,893 0.6 74,768 1.7
234,196 4.7 164,677 3.7
5,009,963 100.0 4,433,237 100.0
45,486.87 5,520.23 13.8%
1,931.87 39.41 2015 12
10.
2015 (A ) 33
2015 12 31 2014 12 31
(%) (%)
1,468,674 32.3 1,026,985 25.7
325,245 7.2 346,154 8.7
1,513,092 33.3 1,687,791 42.2
1,241,676 27.2 935,734 23.4
4,548,687 100.0 3,996,664 100.0
4,416.89 43.0%
209.09 6.0% 1,746.99 10.4%
3,059.42 32.7%
2015 12 31 2014 12 31
(%) (%)
1
141 0.0 126 0.0
3 330,174 7.3 188,807 4.7
3 12 873,122 19.2 454,692 11.4
1 5 2,243,337 49.3 2,370,831 59.3
5 1,101,913 24.2 982,208 24.6
4,548,687 100.0 3,996,664 100.0
1
5,597.97 10.4 1 5
1,274.94 10.0
2015 (A ) 34
2015 12 31 2014 12 31
(%) (%)
4,290,104 94.3 3,847,713 96.3
176,607 3.9 98,593 2.5
81,976 1.8 50,358 1.2
4,548,687 100.0 3,996,664 100.0
4,423.91 11.5%
780.14 79.1% 316.18
62.8%
2015 12 31 2014 12 31
(%) (%)
343,272 6.9 346,828 7.8
1,444,195 28.8 1,188,288 26.8
2,870,353 57.3 2,566,390 57.9
352,143 7.0 331,731 7.5
5,009,963 100.0 4,433,237 100.0
1
2015 20,731.28
15,130.92 5,600.36 73.0%
27.0%
1
2015 (A ) 35
2007 17,900 5.07% 2017 11 29 -
2008 16,480 4.95% 2018 3 11 -
2011 13,990 4.49% 2018 8 25 -
2011 11,395 4.25% 2018 3 24 -
2012 11,300 4.04% 2022 6 25 -
2010 11,050 3.51% 2020 7 27 -
2011 10,740 4.68% 2016 9 26 -
2011 10,505 4.62% 2021 2 22 -
2012 10,490 3.94% 2019 8 21 -
2010 10,450 0.59% 2020 2 25 -
30,596.33 4,639.89
13.2%
9,963.33 5,278.71 112.7%
2015 (A ) 36
2015 204,092.61 13,366.12 7.0%
2015 12 31 2014 12 31
(%) (%)
16,281,939 79.8 15,556,601 81.6
2,265,860 11.1 1,539,239 8.1
337,191 1.7 380,957 2.0
306,622 1.5 279,590 1.4
1,217,649 5.9 1,316,262 6.9
20,409,261 100.0 19,072,649 100.0
2015
162,819.39
7,253.38 4.7%
3,998.81
5.0% 4,125.07
5.7%
2,028.58 2.6%
6,095.30 8.4%
2015 (A ) 37
2015 12 31 2014 12 31
(%) (%)
3,929,353 24.1 3,902,305 25.1
4,507,661 27.7 4,134,828 26.6
8,437,014 51.8 8,037,133 51.7
4,210,600 25.9 4,034,790 25.9
3,390,514 20.8 3,153,817 20.3
7,601,114 46.7 7,188,607 46.2
1
243,811 1.5 330,861 2.1
16,281,939 100.0 15,556,601 100.0
2015 12 31 2014 12 31
(%) (%)
74,081 0.5 76,972 0.5
3,185,840 19.5 3,078,463 19.8
2,086,992 12.8 2,001,180 12.8
4,339,841 26.6 4,163,766 26.8
2,374,052 14.6 2,189,392 14.1
2,717,941 16.7 2,572,310 16.5
938,199 5.8 901,068 5.8
564,993 3.5 573,450 3.7
16,281,939 100.0 15,556,601 100.0
2015 12 31 2014 12 31
(%) (%)
1
8,515,746 52.3 7,908,683 50.8
3 2,133,439 13.1 2,290,971 14.7
3 12 3,574,017 22.0 3,361,635 21.6
1 5 2,055,662 12.6 1,958,020 12.6
5 3,075 0.0 37,292 0.3
16,281,939 100.0 15,556,601 100.0
2015 (A ) 38
154,359.86 94.8%
6,371.10 4.3% 8,459.53
882.28 11.6%
22,658.60 7,266.21
47.2%
2015 18,005.19 2,632.15
17.1% 17,894.74 2,586.15
16.9%
7.2.4
11,317.64
31,880.98 7,273.90 20,563.34
2,029.17
6,669.61
13,826.54 3,659.36 20,496.15
8,861.56
367.32 1,615.37
1,982.69
2015 (A ) 39
7.3
7.3.1
2015 532.1 22.7
2025
2015 78,695.52 2,569.60
3.4% 84,370.14 3,998.81
5.0%
2015 (A ) 40
154
e
2015 12 18,832.08 9.4%
2015 12 31 2014 12 31
(%) (%)
4,738,830 43.5 4,525,444 44.8
2,855,622 26.2 2,803,904 27.7
1,883,208 17.3 1,721,540 17.1
(1)
(2)
2015 (A ) 41
e
70
20
2015 639.7 4.4%
2,264 19.3%
127.0 12.9% 4,915
12.4%
2015 (A ) 42
2015 1,040 2.6
9,500
PPP
11,520
50
/
2015 267.91
7.3.2
e
2015 (A ) 43
2015 11.59 1.09
4.96 3,151
1,044 80
2015 76,011.14 4,125.07
5.7% 7.5% 4.4%
2015 35,418.62 4,783.97
15.6%
2015 (A ) 44
22
2015 6.24 1.93 44.8%
1.06 3,259 44.3%
2015 7.5 8,287
88,416 18.0% 376.84 7.3%
2015 12 31 2014 12 31 %
74,575 66,288 12.5
63,684 56,232 13.3
10,891 10,056 8.3
2015 2014 %
88,416 74,915 18.0
65,146 56,229 15.9
23,270 18,686 24.5
1
12,578 12,056 4.3
(1) = /
HCE VISA
2015 (A ) 45
VISA
2015
360eID HCE
7.3.3
e
2015 (A ) 46
QDII RQDII
QFII RQFII QFLP
UCITS
e e
e
2
2015 26,165.98 32.0%
150
QDII RQDII QFII RQFII
2015 11.5 97.4%
2015 827 1,523
4,397
2015 (A ) 47
e
2015 1.25 3,884
80
NDF
7,265
e
3,240 70.0%
7
24
2015 (A ) 48
2015 2 10 2015 9 17
10,379
2015
1,668 62.4%
7.3.4
2015
2015 (A ) 49
52.26 50.36
1,566
2015
5,889 101
20.
24.
—
7.3.5
2015 (A ) 50
2015
e
e
B2C B2B B2G
220
8
2015 e 8,000
3,000
e
2015 e
e
e
e
e
e
2015 (A ) 51
TalkingData
2015 e 1.9
2015 5,000
450 2,100
3,400
1,335
e 1
2,100
e
POS
e
2015 3,300
2015 (A ) 52
7.3.6
2015
1,082
3,121
2015 16,732
29,043 12.3% 99,789 8.1%
126,668 16.7%
e
e B2C
2015 (A ) 53
500
86%
592
30%
4.2
90.2% 2015
11.6% 12.5%
WIFI
LBS
WIFI
2015 (A ) 54
3.15
7.3.7
60%
Tekstilbank 92.8169%
2015 (A ) 55
2015 42 404
20 147 1,611
18 123
e 8 e
62.2% 95.2%
155.3%
26.8% 17.4%
52.8%
136.7%
( )
2015 2014 2015 2014 2015 2014
135,988 118,110 1,543 1,374 107 106
67,323 62,457 783 689 84 82
56,089 22,592 58 238 78 16
55,853 52,370 436 391 134 133
1
3,295 4,305 346 331 1 1
(38,718) (23,838)
279,830 235,996 3,166 3,023 404 338
1
2015 (A ) 56
2015
2,798.30 438.34 18.6%
8.2% 1.1 1,440.60
130.77 10.0% 867.58 56.91
6.2% 31.66 4.7%
6
24
RQFII
2015 4.41 20.6%
2015 (A ) 57
2015 (A ) 58
363.79
IPO 2015 946.79
91.29 8.75
48.82
2015 20.87 9.01 0.99
5.89 89.33%
2015 240.39 21.20 2.64
3.31
2015 9.49 0.96
660
2.69
98.61%
2015 (A ) 59
2015 32.17
2.88 4,128
201.32 97.86%
2015 50.71 6.82
3,709
89.33
2015 3.14 4,323
588
6,037.77
2015 5.08
0.37
2
2015
32.13 3.58 3,444
4.37
2015 (A ) 60
2015 82.10 6.19
3,453
23.10
2015 9.45 5,968
1,680
3.09
80%
2015 17.14
3.14 348
5,000
2015 318.20 11,476
1,685
15,800
80%
2015 (A ) 61
2015 11.07 1.49
967
13.45
80%
2015 44.75
5.34 1.68
2.02
99.99%
2015 2.41
5,296 242
5,000
2015 1.46
2,956
6.64
2015 3,693 3,642
2015 (A ) 62
4.20
92.8169%
2015
22.74 2.05
10.83
60%
2015 201.21 10.93
2 80%
QDII
RQFII
2015 74 170
9,500 39.42 28.39
12.90
2015 (A ) 63
110
2015
2,987 225 33.04
87.05 60%
2015 665.68 101.76
4.50
20.08% 2015
2015 19,793.49 1,789.08
237.54
7.3.8
2015 (A ) 64
IT
IT API
FOVA FOVA
IC
2015 47 404
7.3.9
e
ICBC
2015 (A ) 65
5.2 415
11.4
2015 (A ) 66
7.4
7.4.1
2015
2015 (A ) 67
7.4.2
1 2
3
4
5
2015
2015 (A ) 68
e-ICBC
18
+60
2015 (A ) 69
7x24
2015 (A ) 70
2015
2015
2015
239,525.37 15,118.16 1.1
2015
2015 (A ) 71
2015 12 31 2014 12 31
(%) (%)
11,233,456 94.14 10,582,050 95.97
520,492 4.36 319,784 2.90
179,518 1.50 124,497 1.13
104,805 0.87 66,809 0.60
60,512 0.51 49,359 0.45
14,201 0.12 8,329 0.08
11,933,466 100.00 11,026,331 100.00
2015 112,334.56
6,514.06 94.14% 5,204.92
2,007.08 4.36% 1,795.18 550.21
1.50%
2015 12 31 2014 12 31
% % % %
7,869,552 65.9 135,256 1.72 7,612,592 69.0 92,277 1.21
522,052 4.4 524 0.10 350,274 3.2 71 0.02
3,541,862 29.7 43,738 1.23 3,063,465 27.8 32,149 1.05
11,933,466 100.0 179,518 1.50 11,026,331 100.0 124,497 1.13
1,352.56 429.79 1.72%
437.38 115.89
1.23%
2015 (A ) 72
2015 12 31 2014 12 31
% (%) % (%)
1,496,241 21.6 51,353 3.43 1,532,947 22.7 35,681 2.33
254,497 3.7 8,566 3.37 256,186 3.8 3,637 1.42
235,873 3.4 7,996 3.39 238,857 3.5 6,288 2.63
171,065 2.5 7,138 4.17 175,163 2.6 4,819 2.75
140,369 2.0 6,644 4.73 139,117 2.1 4,181 3.01
113,841 1.6 1,043 0.92 111,892 1.7 908 0.81
97,733 1.4 1,064 1.09 121,013 1.8 906 0.75
91,944 1.3 4,710 5.12 98,443 1.5 3,569 3.63
69,875 1.0 1,756 2.51 70,236 1.0 1,980 2.82
52,127 0.8 240 0.46 51,951 0.8 204 0.39
268,917 3.9 12,196 4.54 270,089 3.9 9,189 3.40
1,429,697 20.7 3,985 0.28 1,335,127 19.8 4,226 0.32
780,370 11.3 1,494 0.19 699,649 10.4 1,353 0.19
734,994 10.7 48,522 6.60 772,536 11.5 35,612 4.61
652,956 9.5 4,906 0.75 575,469 8.5 2,164 0.38
461,542 6.7 278 0.06 470,014 7.0 56 0.01
427,306 6.2 6,293 1.47 443,471 6.6 3,713 0.84
246,541 3.6 3,722 1.51 262,338 3.9 1,576 0.60
210,294 3.0 3,047 1.45 205,881 3.1 1,242 0.60
145,175 2.1 3,453 2.38 159,469 2.4 1,312 0.82
124,542 1.8 575 0.46 114,012 1.7 429 0.38
191,430 2.8 1,967 1.03 172,986 2.4 1,306 0.75
6,901,088 100.0 129,595 1.88 6,743,899 100.0 88,670 1.31
2015
945.70 7.1%
807.21
2015 (A ) 73
11.5%
774.87 13.5%
2015 12 31 2014 12 31
% (%) % (%)
541,087 4.5 9,053 1.67 475,485 4.3 5,139 1.08
2,283,391 19.1 39,297 1.72 2,191,188 19.9 26,208 1.20
1,545,400 13.0 29,946 1.94 1,453,273 13.2 23,858 1.64
2,007,028 16.8 30,605 1.52 1,861,749 16.9 20,611 1.11
1,668,136 14.0 23,707 1.42 1,500,909 13.6 17,194 1.15
2,171,273 18.2 32,472 1.50 1,988,934 18.0 20,701 1.04
668,572 5.6 8,518 1.27 625,457 5.7 6,932 1.11
1,048,579 8.8 5,920 0.56 929,336 8.4 3,854 0.41
11,933,466 100.0 179,518 1.50 11,026,331 100.0 124,497 1.13
3,495.66 38.5% 1,192.43
12.8% 13.1%
2015 (A ) 74
41,245 216,336 257,581
63,728 22,294 86,022
91,878 134,262 226,140
902 (902) -
(29,052) (111,066) (140,118)
(4,156) - (4,156)
326 88 414
(50,365) (9,931) (60,296)
721 368 1,089
51,499 229,155 280,654
2015 2,806.54 230.73
156.34% 2.35%
2015 12 31 2014 12 31
(%) (%)
5,499,003 46.1 4,964,791 45.0
2,516,196 21.1 2,070,366 18.8
1,505,144 12.6 1,372,605 12.5
522,052 4.4 350,274 3.2
1,642,370 13.8 1,534,012 13.9
3,286,949 27.5 3,154,923 28.6
11,933,466 100.0 11,026,331 100.0
54,990.03 5,342.12 10.8%
15,051.44 1,325.39 9.7% 16,423.70
1,083.58 7.1% 32,869.49 1,320.26
4.2%
2015 (A ) 75
2015 12 31 2014 12 31
(%) (%)
1 90 169,902 1.42 95,410 0.87
91 1 84,808 0.71 65,134 0.59
1 3 62,783 0.53 35,152 0.32
3 15,205 0.13 14,882 0.13
332,698 2.79 210,578 1.91
3,326.98 1,221.20 90
1,627.96 476.28
45.57 0.22 3
15.70 3.56
4.2%
13.3% 2,678.78
2.2% 2015
%
A 84,849 0.7
B 30,925 0.3
C 28,148 0.2
D 21,600 0.2
E 19,072 0.2
F 18,211 0.2
G 16,585 0.1
H 16,368 0.1
I 16,288 0.1
J 15,832 0.1
267,878 2.2
2015 (A ) 76
7.4.3
2015
GMRM
2015 (A ) 77
2015
VaR
2015 (A ) 78
GMRM
VaR 3.1
VaR
2015
2015 1,070.36
65.67
15,192.05 1,347.52
3 3 1 1 5 5
2015 12 31 (1,481,484) 1,588,520 399,606 1,119,599
2014 12 31 (1,047,439) 1,147,908 361,676 1,022,777
3.2
3.2
2015
2015 (A ) 79
5.77%
2015 12 31 2014 12 31
189,756 29,222 262,643 42,334
(36,322) (5,593) (136,602) (22,018)
153,434 23,629 126,041 20,316
3.3
7.4.4
2015
(CIPS)
2015 (A ) 80
2015 (A ) 81
2015
35.5% 98.1% 145.1%
71.4%
2015 1
1
3
2015 (A ) 82
3 1 5
2015
/ 1 1 3 3 1 1 5 5
2015 12 31 (9,385,821) 322,595 (540,886) 26,247 3,197,027 5,136,733 3,044,624 1,800,519
2014 12 31 (7,958,354) (325,851) (782,933) (479,125) 3,082,273 4,628,344 3,372,950 1,537,304
2.
7.4.5
IT
2015 (A ) 83
2015
2015 (A ) 84
2015
2015
7.4.6
2015 (A ) 85
2015
7.4.7
2015 (A ) 86
2015
2015 (A ) 87
7.5
2015
2015
7.5.1
2015 (A ) 88
2015 12 31 2014 12 31
1,701,495 1,571,403 1,486,733 1,393,120
1,781,062 1,650,778 1,521,233 1,427,548
2,012,103 1,869,237 1,812,137 1,699,357
12.87% 12.88% 11.92% 12.05%
13.48% 13.53% 12.19% 12.35%
15.22% 15.32% 14.53% 14.70%
11.83% 12.09% 11.49% 11.82%
14.75% 14.67% 14.29% 14.35%
2015 12.87%
13.48% 15.22% 2015
2015 12 31 2014 12 31
1,713,160 1,498,403
356,407 353,495
151,963 144,874
178,040 150,752
246,356 221,622
781,853 650,308
4,340 2,191
(5,799) (24,839)
11,665 11,670
8,478 8,487
1,356 1,279
(3,869) (3,796)
5,700 5,700
1,701,495 1,486,733
79,567 34,500
79,375 34,428
192 72
1,781,062 1,521,233
244,641 306,704
2015 (A ) 89
180,242 187,829
63,398 118,633
1,001 242
13,600 15,800
13,600 15,800
2,012,103 1,812,137
2
13,216,687 12,475,939
12.87% 11.92%
13.48% 12.19%
15.22% 14.53%
1 4.
2
2015
2015 12 31 2014 12 31
1,781,062 1,521,233
23,813,992 23,409,777
7.48% 6.50%
2015 2015
2014 2011
7.5.2
2015 9 20
2015 11 4.5
450
“ —
2015 (A ) 90
”
7.5.3
EC RAROC EVA
2015
2015 (A ) 91
7.6
2016
+ 2025
2015
2016
2015 (A ) 92
e e e
2015 (A ) 93
7.7
2015 2014 2013
>=25.0 35.5 33.2 30.2
%
>=25.0 98.1 91.1 61.0
(2)
% 71.4 68.4 66.6
(3)
% >=100.0 145.1 142.4
% <=10.0 4.2 4.8 4.2
% 13.3 14.9 16.2
4.4 2.7 1.7
29.6 17.2 9.7
%
38.9 37.4 43.9
10.5 5.2 9.5
(1)
(2)2015
(3) 2018
100% 2014 2015 2016 2017 60%
70% 80% 90%
38.
2015
12 31
2015 (A ) 94
2015 2014
(%) (%)
871,779 80.7 849,879 82.6
616,541 57.1 615,488 59.8
170,833 15.8 159,262 15.5
47,867 4.4 48,384 4.7
36,538 3.4 26,745 2.6
161,670 15.0 146,678 14.2
46,389 4.3 32,873 3.2
1,079,838 100.0 1,029,430 100.0
38
2015 2014
23,813,992 23,409,777
1,453,661 2,191,729
2,368,335 1,630,141
2,338,163 1,937,790
345,214,765 287,748,223
11,507,109 5,828,863
1,192,434 512,679
4,049,645 2,529,568
475,562 625,941
188,566 155,102
1,222,353 915,598
1,260,948 1,155,853
2015 (A ) 95
8.
e-ICBC
2015 (A ) 96
2015 (A ) 97
2015
2015 (A ) 98
9.
2014 12 31 2015 12 31
% %
- - - - -
353,494,213,820 100.00 2,912,043,269 356,406,257,089 100.00
1. 266,700,169,270 75.45 2,912,043,269 269,612,212,539 75.65
2.
86,794,044,550 24.55 - 86,794,044,550 24.35
353,494,213,820 100.00 2,912,043,269 356,406,257,089 100.00
H 5
—— 2007
2015 9 15 20 10
4.875%
24.
624,193
H 134,869 A 489,324
2016 2 29 634,877
2015 (A ) 99
2015 12 31
%
A 34.71 123,717,852,951 -438,000,000
A 34.60 123,316,451,864 -
/ A 0.09 308,324,177 -316,704,584
3 H 24.15 86,059,557,613 38,517,695
A 1.23 4,374,260,086 4,170,647,177
A 1.21 4,322,828,137 -180,943,273
A 0.40 1,420,781,042 1,420,781,042
(4)
A 0.28 1,013,921,700 1,013,921,700
A 0.11 390,487,231 390,487,231
A 0.09 317,038,827 -
005L CT001
GIC PRIVATE LIMITED A 0.07 264,466,161 209,964,262
1 H H
2
3 308,324,177 A 86,059,557,613
H
4
Central Huijin Investment Ltd. 2003 12 16
8,282.09
1 71093296-1
2015 (A ) 100
2015 12 31 34.71%
1 34.68
2 (A;H) 34.71
3 (A;H) 40.03
4 (A;H) 64.02
5 (A;H) 57.11
6 55.67
7 (A;H) 21.96
8 73.63
9 71.56
10 (A;H) 31.34
11 100.00
12 78.57
13 (A) 25.03
14 (H) 28.45
15 40.00
16 100.00
17 70.00
18 14.54
19 100.00
1 A A H H
2015 12 31
34.60%
10%
2015 (A ) 101
XV 2 3
2015 12 31
336
A A %
%
1
118,006,174,032 43.77 33.11
2
124,731,774,651 46.26 35.00
1 2015 12 31 123,316,451,864
2 2015 12 31 123,717,852,951
H
H
%
%
8,663,703,234 9.98 2.43
Temasek Holdings
(Private) Limited 8,682,954,081 10.00 2.44
JPMorgan Chase & 957,009,506 1.10 0.27
Co. 504,502,036 0.58 0.14
(
) 90,880 0.00 0.00
3,734,395,964 4.30 1.05
5,195,998,386 5.99 1.46
214,762,754 0.25 0.06
BlackRock, Inc. 5,189,411,277 5.98 1.46
9,616,000 0.01 0.00
2015 (A ) 102
2015 2 12 24,985,764,000 A
14,236,000 2015 2
26 2015 2 26
2015 2 16
[2014]801 [2014]1229
2014 12 10
2014
12 11
100
6
2014 12 10
345.5
344.3
4603 6% 2,940,000,000 20 147,000,000
4604 6% 600,000,000 15 40,000,000
84602 6% 12,000,000,000 100 120,000,000
[2015]189 [2015]1023
2015 (A ) 103
2015 11 18 4.5
100
5 5
5
4.5%
[2015]2391 2015 12
11 1 360011
450
449.5
28
2 26
2016 2 29 28
2 26
2015 12 31
%
1 Cede & Co. - 147,000,000 47.9 -
The Bank of - 120,000,000 39.1 -
New York
2 Depository
(Nominees)
Limited - 40,000,000 13.0 -
1
2
3 10
4
2015 (A ) 104
2015 12 31
%
1 200,000,000 200,000,000 44.4 -
2 50,000,000 50,000,000 11.1 -
3 35,000,000 35,000,000 7.8 -
4 30,000,000 30,000,000 6.7 -
5 15,000,000 15,000,000 3.3 -
6 15,000,000 15,000,000 3.3 -
7 15,000,000 15,000,000 3.3 -
8 15,000,000 15,000,000 3.3 -
10,000,000 10,000,000 2.2 -
10,000,000 10,000,000 2.2 -
9
10,000,000 10,000,000 2.2 -
1
2
10
3 “ ”
2015 (A ) 105
2015 10 30
196,000,000 40,000,000 800,000,000
23.31
10%
2015 12 10
2015
2015
6% 2,331
4.5%
[2014]13
2015 (A ) 106
10.
62 2005.10—2018.01
51 2013.07—2016.07
53 2015.06—2018.06
50 2015.06—2018.06
55 2015.06—2018.06
51 2012.01—2018.01
47 2012.01—2018.01
58 2013.12—2016.12
52 2015.02—2018.02
57 2015.03—2018.03
56 2015.03—2018.03
MC 71 2009.12—2016.03
58 2009.12—2016.03
66 2012.05—2018.06
51 2012.08—2018.12
68 2013.12—2016.12
69 2015.04—2018.04
60 2005.10—2018.01
63 2009.05—2015.05
49 2015.12—2018.12
53 2006.08—2018.09
55 2015.09—2018.09
48 2013.10—
53 2013.12—
50 2015.07—
53 2015.11—
60 2006.08—
56 2008.12—2015.03
67 2009.01—2015.04
61 2008.06—2015.06
60 2009.05—2015.12
59 2012.07—2015.09
51 2013.10—2015.10
2015 (A ) 107
50 2010.11—2015.06
1
2
2015 11 2010 12
3
4
5
H 2,000
2005 10 1984
2000 2
2013 7 2013
5 1985 2005
10
2015 (A ) 108
2015 6 2004 10
2007 8
2015 6 2010 5
SBG
2015 6 2012 9
1985 2010 4
2015 (A ) 109
2012 1 2012
1997
2012 1 2005
1994
2013 12 1983
2015 (A ) 110
2015 2 1989
2015 3 1995
2015 3 2009
MC
2009 12 ICI
Ofgem
FSA JC
NIBC Holding N.V. NIBC Bank N.V. OneSavings Bank plc Castle Trust
2015 (A ) 111
Capital plc
IFRS Foundation Promontory
Financial Group
2009 12 1980
1992
1996
Harvest Real
Estate Investments (Cayman) Limited
2012 5
Aquis Entertainment
2015 (A ) 112
Limited
2009
2012 8
Journal of Econometrics Econometric Theory
2013 12
SOHO
2015 (A ) 113
2015 4
2005 10 2003
2005
2009 5
2015 (A ) 114
2015 12
40
2006 8 1994
2004
2015 9 1984
2015
2013 10 1998
2015 (A ) 115
2013 12 1994
2015 7 1987
2015 11 2010 12
1984
2006 8 1987
2015 (A ) 116
——
2014 4 15 2014
2015 6 2015 1 23
2015
2015 2
2015
3
2015 4 2015 6 19 2014
2015 6
2015 12 21 2015
2015 3 2015 4
2015 10
2015 (A ) 117
2015 1 23 2015
2015 6 19
2014
2015 9 25
2015 12 21
2015
2015 6 19 2015 7
23
2015 9 25 2015 12 21
2015 7 2015 10
2015 11
2015 6 2015 10
4 = 1 + 2
1 2 3
+ 3
44.80 9.88 — 54.68
44.80 9.88 — 54.68
37.33 8.32 — 45.65
40.32 9.88 — 50.20
2015 (A ) 118
40.32 9.88 — 50.20
— — — —
— — — —
— — — —
— — — —
— — — —
— — — —
MC — — 43.00 43.00
— — 44.00 44.00
— — 47.00 47.00
— — 47.00 47.00
— — 46.25 46.25
— — 33.00 33.00
74.56 20.03 — 94.59
— — — —
— — 0.78 0.78
— — 5.00 5.00
— — 1.25 1.25
40.32 9.88 — 50.20
40.32 9.88 — 50.20
16.80 4.34 — 21.14
69.27 22.31 — 91.58
74.88 23.49 — 98.37
— — — —
— — 11.75 11.75
22.40 4.74 — 27.14
— — 27.22 27.22
— — 3.75 3.75
37.20 9.02 — 46.22
37.62 12.25 — 49.87
1 2015 1
2
3
4
5
6
2015 (A ) 119
1
2015 466,346 4,064
5,076 14,428
2015 17,498 38
17,094 404 31 5
27 409 3,080 13,420
29 92
2015 12
(%) (%) (%)
9,142,237 41.1 30 0.2 15,271 3.3
4,862,465 21.9 2,637 15.1 63,646 13.6
3,366,173 15.2 2,133 12.2 51,556 11.1
3,633,597 16.4 2,855 16.3 73,269 15.7
2,216,719 10.0 3,676 21.0 95,050 20.4
2,819,807 12.7 3,906 22.3 95,988 20.6
1,069,622 4.8 1,765 10.1 52,062 11.1
2,450,563 11.0 496 2.8 19,504 4.2
(7,351,403) (33.1)
22,209,780 100.0 17,498 100.0 466,346 100.0
1
1
489 41
2015 (A ) 120
11.
2015
2015 (A ) 121
2015 (A ) 122
,
2015 (A ) 123
10% 2
10
3% 10
2
1
2
2015 (A ) 124
3 4 5
A H
A H
2014
2015 (A ) 125
3,410 35%
2015 1 23 2015
6 19 2014 12 21 2015
16
4
2015 (A ) 126
6
6 M C
1/3
8 2014
2015 58
2015 2014
23
/
3/3 7/8 4/4
3/3 8/8 4/4 4/4 2/2
2/2 4/4 1/1
1/1 2/3 2/2
3/3 8/8 4/4 2/2
3/3 8/8 2/3 4/4
3/3 8/8 4/4 2/2
2/2 7/7 3/3 3/3
2/2 7/7 5/6 2/3 2/3
2/2 7/7 6/6 3/3
2015 (A ) 127
MC 3/3 7/8 4/4 3/3 4/4 2/2
3/3 8/8 7/7 3/3 2/2 4/4
3/3 8/8 4/4 7/7 1/1 4/4 2/2 2/2
3/3 8/8 4/4 7/7 3/3 4/4 4/4
3/3 7/8 2/2 3/7 2/4 1/2 4/4
2/2 6/6 4/5 2/2 2/3 1/1
1/1 1/1 1/1
1/1 2/2 2/2 2/2 1/1 1/1 2/2
1
2
3 —
6
4
9 M
C
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2015 (A ) 128
7
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2016 3 28
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2015 (A ) 129
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9
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2015-2017 2015 2015-2016
2015 (A ) 130
4 2014 2015
6
8
M C
2015 (A ) 131
6 1/3
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2014
8
M C
2
2014 2015
3 2014
2014
2015 (A ) 132
5
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2014
2014 2014 3
2015 (A ) 133
2014 2015
3
2015 (A ) 134
15
2016 3 30
2015
6 2
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2015 (A ) 135
4
4
2015 12 31
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2015 (A ) 136
2015-2017
ICAAP
2015 (A ) 137
2015 12
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2015
2015 (A ) 138
2014 2015
2015 (A ) 139
2015
2015
2015
2013 2014 2015
1.67
1.39 1,160
0.08
2015
2015
e
2016
2015 (A ) 140
86-10-66108608
86-10-66107571
ir@icbc.com.cn
55
100140
2015 (A ) 141
12.
2015 6 19 2014 2015
7 6 2014 1 1 2014
12 31 10 2.554
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2015 356,406,257,089
10 2.333 831.50
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A 2016 7 8 H
2016 8 17
2015 2014 2013
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83,150 91,026 91,960
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2015 (A ) 142
2015
2015 12 31
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2015 12 31
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2015 (A ) 143
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2015 (A ) 144
2015 12 31 H 2,000
H 1,316,040
2015 12 31
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2015 (A ) 145
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2015 (A ) 146
2015 12 31
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2015 (A ) 147
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2015 (A ) 148
4
4
2015 (A ) 149
2013
2014
2015 (A ) 150
2015
2015 (A ) 151
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2014 4 29 GSD Holding
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2015 5 22
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2015 7 20 8 14 Tekstilbank
2015 (A ) 152
72,730,110.49 Tekstilbank Tekstilbank
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1 2015
10 1
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2006 7 31
49
2015 (A ) 153
[2003]56
2015 12
31 3,436.43
MC
2015 (A ) 154
2015
2015 12 31
2006 10
/
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2010 11 1
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2015 7
2015 (A ) 155
2015 1 5
2015 3 26
[2015]36 1
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5 6
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2015 (A ) 156
15.
2015 (A ) 157
16.
2015 (A ) 158
17. 2015
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2015
2015
2015
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2015 (A ) 159
18.
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2015 (A ) 160
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2015
2000 1
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2015 (A ) 161
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2015 (A ) 162
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2015 (A ) 163
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2015 (A ) 164
( )
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2015 (A ) 165
20.
189 123
230001 510120
0551-62869178/62868101 020-81308130/81308123
0551-62868077 020-81308789
2 15-1
B 530022
100031 0771-5316617
010-66410579 0771-5316617/2806043
010-66410579
200
9 550003
400060 0851-88620018/88620000
023-62918002 0851-85963911/88620017
023-62918059
54
5 570203
116001 0898-65303138/65342829
0411-82378888/82378000 0898-65303138
0411-82808377
188
108 B
350005 050051
0591-88087810/88087819/88087000 0311-66001999/66000001
0591-83353905/83347074 0311-66001889/66000002
408 99
730030 450011
0931-8434172 0371-65776888/65776808
0931-8435166 0371-65776889/65776988
2015 (A ) 166
105
218 010050
150010 0471-6940297
0451-84668023/84668577 0471-6940096
0451-84698115
31 218
430071 315010
027-69908676/69908658 0574-87361162
027-69908040 0574-87361190
619
410011 901
0731-84428833/84420000 750002
0731-84430039 0951-5029200
0951-5042348
9559
130022 25
0431-89569073/89569712 266071
0431-88923808 0532-85809988-621031
0532-85814711
408
210006 2
025-52858000 810001
025-52858111 0971-6169722/6146733
0971-6152326
233
330008 310
0791-6695117/6695018 250001
0791-6695230 0531-66681622
0531-87941749
88
110001 145
024-23491600 030001
024-23491609 0351-6248888/6248011
0351-6248004
2015 (A ) 167
395 31
710004 850000
029-87602608/87602630 0891-6898019/6898002
029-87602999 0891-6898001
9 395
200120 650021
021-58885888 0871-63136172/63178888
021-58886888 0871-63134637
5055 150
310009
518015 0571-87803888
0755-82246400 0571-87808207
0755-82062761
5
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610016 100033
028-82866000 010-66583333
028-82866025 010-66583158
123 20
300074 E5AB
022-28400648 300457
022-28400123/022-28400647 022-66283766/010-66105888
022-66224510/010-66105999
17
361012 166
0592-5292000 19
0592-5054663 200120
021-5879-2288
021-5879-2299
231
830002 1
0991-5981888 402760
0991-2337527 023-85297704
023-85297709
2015 (A ) 168
258
314200
0573-85139616
0573-85139626
2015 (A ) 169
Industrial and Commercial Bank of China Industrial and Commercial Bank of China
Limited, Hong Kong Branch Limited, Busan Branch
33/F, ICBC Tower, 3 Garden Road, 1st Floor, Samsung Fire & Marine
Central, Hong Kong Insurance Bldg., #184, Jungang-daero,
icbchk@icbcasia.com Dong-gu, Busan 601-728, Korea
+ 852 2588 1188 busanadmin@kr.icbc.com.cn
+ 852 2878 7784 +8251-4638868
SWIFT: ICBKHKHH +8251-4636880
SWIFT: ICBKKRSE
Industrial and Commercial Bank of China
Limited, Singapore Branch Industrial and Commercial Bank of China
6 Raffles Quay #12-01, Singapore Limited, Hanoi Branch
048580 3rd Floor Daeha Business Center,
icbcsg@sg.icbc.com.cn No.360, Kim Ma Str., Ba Dinh Dist., Hanoi,
+65-65381066 Vietnam
+65-65381370 admin@vn.icbc.com.cn
SWIFT: ICBKSGSG +84-462698888
+84-462699800
SWIFT: ICBKVNVN
Industrial and Commercial Bank of China
Limited, Tokyo Branch
2-1 Marunouchi 1-Chome, Chiyoda-Ku Industrial and Commercial Bank of China
Tokyo, 100-0005, Japan Limited, Vientiane Branch
icbctokyo@icbc.co.jp Asean Road, Home No.358, Unit12,
+813-52232088 Sibounheuang Village, Chanthabouly District,
+813-52198502 Vientiane Capital, Lao PDR
SWIFT: ICBKJPJT icbcvte@la.icbc.com.cn
+856-21258888
+856-21258897
Industrial and Commercial Bank of China SWIFT: ICBKLALA
Limited, Seoul Branch
16th Floor, Taepyeongno Bldg., #73
Sejong-daero, Jung-gu, Seoul 100-767, Korea
icbcseoul@kr.icbc.com.cn
+822-37886670
+822-7553748
SWIFT: ICBKKRSE
2015 (A ) 170
Industrial and Commercial Bank of China Industrial and Commercial Bank of China
Limited, Phnom Penh Branch Limited Karachi Branch
No. 15, Preah Norodom Boulevard, 15th & 16th Floor, Ocean Tower, G-3,
Phsar Thmey I, Duan Penh, Phnom Penh, Block-9, Scheme # 5, Main Clifton Road,
Cambodia Karachi, Pakistan.P.C:75600
icbckh@kh.icbc.com.cn +92-2135208988
+855-23955880 +92-2135208930
+855-23965268 SWIFT: ICBKPKKAXXX
SWIFT: ICBKKHPP
Industrial and Commercial Bank of China
Industrial and Commercial Bank of China Limited, Mumbai Branch
Limited, Doha Branch Level 1, East Wing, Wockhardt Tower,
Level 20, Doha Tower, Al Corniche C-2, G Block, Bandra Kurla Complex,
Street, West Bay, Doha, Qatar PO BOX11217 Bandra(E), Mumbai-400 051, India
zhaowei@doh.icbc.com.cn icbcmumbai@india.icbc.com.cn
+974-44072758 +91-2233155999
+974-44072751 +91-2233155900
SWIFT: ICBKQAQAXXX SWIFT: ICBKINBBXXX
Industrial and Commercial Bank of China Industrial and Commercial Bank of China
Limited, Abu Dhabi Branch Limited, Yangon Branch
9th floor & Mezzanine floor 459 Pyay Road, Kamayut Township,
AKAR properties, Al Bateen Tower C6 Yangon, Myanmar
Bainuna Street, Al Bateen Area, Abu Dhabi, +95-12306306-8810, 8830, 8821
United Arab Emirates +95-12306305-8805, 8806
dboffice@dxb.icbc.com.cn, SWIFT: ICBKMMMY
+971-2-4998600
+971-2-4998622
SWIFT: ICBKAEAA
Industrial and Commercial Bank of China
Limited ,Riyadh Branch
Industrial and Commercial Bank of China T08A, Level 8, Al Faisaliah Tower,
Limited,Dubai (DIFC) Branch Riyadh 12212, Kingdom of Saudi Arabia P.O.
Floor 5&6, Gate Village Building 1, Box 95
Dubai International Financial Center, Dubai, service@sa.icbc.com.cn
United Arab Emirates +966-11-2899-800
dboffice@dxb.icbc.com.cn +966-11-2899-879
+971-47031111 SWIFT: ICBKSARI
+971-47031199
SWIFT: ICBKAEAD
2015 (A ) 171
Industrial and Commercial Bank of China Industrial and Commercial Bank of China
Limited,Kuwait Branch Limited, London Branch
Building 2A(Al-Tijaria Tower), Floor 7, 81 King William Street, London EC4N
Al-Soor Street, Al-Morqab, Block3, Kuwait 7BG, UK
City, Kuwait admin@icbclondon.com
00965-22281777 +44 20 7397 8888
00965-22281799 +44 20 7397 8890
SWIFT: ICBKKWKW SWIFT: ICBKGB3L
Industrial and Commercial Bank of China Industrial and Commercial Bank of China
Limited, Sydney Branch Limited, New York Branch
Level 1, 220 George Street, Sydney 725 Fifth Avenue, 20th Floor, New York,
NSW 2000, Australia NY 10022, USA
info@icbc.com.au info-nyb@us.icbc.com.cn
+612-94755588 +1-212-838 7799
+612-92333982 +1-212-838 6688
SWIFT: ICBKAU2S SWIFT: ICBKUS33
Industrial and Commercial Bank of China Industrial and Commercial Bank of China
Limited, Luxembourg Branch (Asia) Limited
32, Boulevard Royal, L-2449 33/F, ICBC Tower, 3 Garden Road,
Luxembourg, B.P.278 L-2012 Luxembourg Central, Hong Kong
office@eu.icbc.com.cn enquiry@icbcasia.com
+352-2686661 +852 3510 8888
+352-26866666 +852 2805 1166
SWIFT: ICBKLULL SWIFT: UBHKHKHH
Industrial and Commercial Bank of China ICBC International Holdings Limited
Limited, Frankfurt Branch 37/F, ICBC Tower, 3 Garden Road,
Bockenheimer Anlage 15, 60322 Central, Hong Kong
Frankfurt am Main, Germany info@icbci.com.hk
icbc@icbc-ffm.de +852-26833888
+49-6950604700 +852-26833900
+49-6950604708 SWIFT: ICBHHKHH
SWIFT: ICBKDEFF
2015 (A ) 172
Industrial and Commercial Bank of China Industrial and Commercial Bank of China
(Macau) Limited (Almaty) Joint Stock Company
18th Floor, ICBC Tower, Macau 150/230, Abai/Turgut Ozal Street,
Landmark, 555 Avenida da Amizade, Macau Almaty, Kazakhstan. 050046
icbc@mc.icbc.com.cn office@kz.icbc.com.cn
+853-28555222 +7727-2377085
+853-28338064 +7727-2377070
SWIFT: ICBKMOMX SWIFT: ICBKKZKX
Industrial and Commercial Bank of China Industrial and Commercial Bank of China
(Malaysia) Berhad (New Zealand) Limited
Level 35, Menara Maxis, Kuala Lumpur Level 11, 188 Quay Street, Auckland
City Centre, 50088 Kuala Lumpur, Malaysia 1010, New Zealand
icbcmalaysia@my.icbc.com.cn info@nz.icbc.com.cn
+603-23013399 +64-93747288
+603-23013388 +64-93747287
SWIFT: ICBKMYK SWIFT: ICBKNZ2A
PT. Bank ICBC Indonesia ICBC (London) PLC
32nd TCT ICBC Tower, Jl. 81 King William Street, London EC4N
MH.Thamrin No.81, Jakarta Pusat 10310, 7BG, UK
Indonesia admin@icbclondon.com
cs@ina.icbc.com.cn +44-2073978888
+62-2123556000 +44-2073978899
+62-2131996010 SWIFT: ICBKGB2L
SWIFT: ICBKIDJA
Industrial and Commercial Bank of China Industrial and Commercial Bank of China
(Thai) Public Company Limited (Europe) S.A.
622 Emporium Tower 11th-13th Fl., 32,Boulevard Royal, L-2449
Sukhumvit Road, Khlong Ton, Khlong Toei, Luxembourg
Bangkok, Thailand office@eu.icbc.com.cn
+66-26295588 +352-2686661
+66-26639888 +352-26866666
SWIFT: ICBKTHBK SWIFT: ICBKLULU
2015 (A ) 173
Bank ICBC (joint stock company) Industrial and Commercial Bank of China
Building 29, Serebryanicheskaya Financial Services LLC
embankment, Moscow, Russia Federation 1633 Broadway, 28th Floor, New York,
109028 NY, 10019, USA
info@ms.icbc.com.cn info@icbkus.com
+7-495 2873099 +1-212-993-7300
+7-495 2873098 +1-212-993-7349
SWIFT: ICBKRUMM SWIFT: ICBKUS33FIN
ICBC Standard Bank PLC Industrial and Commercial Bank of China
: 20 Gresham Street, London, United Mexico S.A.
Kingdom, EC2V 7JE Paseo de la Reforma 250, Piso 18, Col.
: londonmarketing@icbcstandard.com Juarez, C.P.06600, Del. Cuauhtemoc, Mexico
: +44 203 145 5000 D.F.
: +44 203 189 5000 info@icbc.com.mx
SWIFT: SBLLGB2L +52-55-41253388
SWIFT: ICBKMXMM
ICBC Turkey Bank A.. Industrial and Commercial Bank of China
Maslak Mah. Dereboyu, 2 Caddesi (Canada)
No:13 34398 Sariyer, STANBUL Unit 3710, Bay Adelaide Centre, 333
gongwen@tr.icbc.com.cn Bay Street, Toronto, Ontario, M5H 2R2,
+90 212 335 5162 Canada
SWIFT: ICBKTRISXXX info@icbk.ca
+1416-366-5588
+1416-607-2000
SWIFT: ICBKCAT2
Industrial and Commercial Bank of China
(USA) NA
202 Canal Street, New York, NY 10013, Industrial and Commercial Bank of China
USA (Argentina) S.A.
info@us.icbc.com.cn Blvd. Cecilia Grierson 355, (C1107
+1-212-238-8208 CPG) Buenos Aires, Argentina
+1-212-619-0315 gongwen@ar.icbc.com.cn
SWIFT: ICBKUS3N +54-11-4820-9022
+54-11-4820-1901
SWIFT: ICBKARBA
2015 (A ) 174
Industrial and Commercial Bank of China Industrial and Commercial Bank of China
(Brasil) S.A. Limited, African Representative Office
Av. Brigadeiro Faria Lima, 3477-Block 47 Price Drive, Constantia, Cape Town ,
B-6 andar-SAO PAULO/SP-Brasil South Africa,7806
bxgw@br.icbc.com.cn icbc.africa@gmail.com
+5511-2395-6600 +27-212008006 +27-0761837882
+5511-2395-6600 +27-212008012
SWIFT: ICBKBRSP
ICBC PERU BANK
Av.Juan de Arona 151, Oficina 202
San Isidro, Lima27, Perú
gongwen@pe.icbc.com.cn
+51-16316801
+51-16316803
SWIFT: ICBKPEPL
2015 (A ) 175
2015 12 31
( )
1600694
( ) (
) 2015 12 31
2015
(1)
(2)
( )
1600694
2015 12 31
2015
( )
2015 12 31
( )
2015 2014 2015 2014
1 3,059,633 3,523,622 2,991,619 3,473,327
2 211,559 304,273 190,270 270,129
114,619 95,950 92,967 95,885
3 472,234 478,503 582,298 467,611
4 343,272 346,828 322,232 343,263
5 78,870 24,048 33,290 22,292
6 996,333 468,462 792,876 259,213
7 11,652,812 10,768,750 11,026,476 10,184,215
8 1,444,195 1,188,288 1,299,068 1,090,116
9 2,870,353 2,566,390 2,813,091 2,548,977
10 352,143 331,731 338,839 319,108
11 24,185 28,919 122,460 106,777
12 195,401 171,434 107,413 106,436
13 26,101 24,804 19,690 17,750
14 21,066 24,758 20,354 23,899
15 347,004 263,193 281,155 216,833
22,209,780 20,609,953 21,034,098 19,545,831
14 166
1
( )
2015 12 31
( )
2015 2014 2015 2014
210 631 - 226
16 1,788,267 1,106,776 1,721,749 1,092,303
17 477,593 432,463 381,540 300,977
18 303,927 589,385 297,414 589,217
5 76,826 24,191 33,144 22,324
19 337,191 380,957 130,830 161,718
20 183,352 176,248 150,113 137,109
21 16,281,939 15,556,601 15,781,673 15,024,101
22 31,717 28,148 28,932 26,013
23 75,234 72,278 73,591 71,441
24 306,622 279,590 240,175 243,690
14 995 451 - -
25 545,388 424,930 446,039 371,735
20,409,261 19,072,649 19,285,200 18,040,854
14 166
2
( )
2015 12 31
( )
2015 2014 2015 2014
26 356,407 353,495 356,407 353,495
79,375 34,428 79,375 34,428
27 79,375 34,428 79,375 34,428
28 151,963 144,874 156,208 148,838
(4,655) (24,548) 598 (18,186)
29 178,040 150,752 175,668 149,270
30 246,356 221,622 241,509 218,078
31 781,988 650,236 739,133 619,054
1,789,474 1,530,859 1,748,898 1,504,977
11,045 6,445 - -
1,800,519 1,537,304 1,748,898 1,504,977
22,209,780 20,609,953 21,034,098 19,545,831
14 166
3
2015
( )
2015 2014 2015 2014
507,867 493,522 491,201 477,411
32 871,779 849,879 834,340 816,268
32 (363,912) (356,357) (343,139) (338,857)
143,391 132,497 137,422 127,935
33 161,670 146,678 153,331 140,095
33 (18,279) (14,181) (15,909) (12,160)
34 10,409 4,920 7,065 4,261
2,330 2,157 2,249 2,054
35 2,796 680 2,224 469
36 1,894 3,673 816 2,517
37 31,290 23,600 2,454 2,325
697,647 658,892 641,182 614,918
38 (42,320) (41,351) (41,759) (40,958)
39 (177,823) (176,261) (164,580) (164,297)
40 (86,993) (56,729) (85,015) (55,275)
41 (30,976) (24,939) (7,406) (10,073)
338,112 (299,280) 298,760 (270,603)
359,535 359,612 342,422 344,315
4,392 3,062 2,570 2,748
(692) (1,062) (623) (1,055)
363,235 361,612 344,369 346,008
42 (85,515) (85,326) (81,104) (81,780)
277,720 276,286 263,265 264,228
277,131 275,811
589 475
14 166
4
( )
2015
( )
2015 2014 2015 2014
277,720 276,286 263,265 264,228
44 20,405 32,567 18,784 30,659
19,893 32,311 18,784 30,659
(8) - (8) -
(8) - (8) -
19,901 32,311 18,792 30,659
25,147 34,188 24,637 32,993
(73) 108 (43) 44
156 80 156 80
(5,329) (2,065) (5,958) (2,458)
512 256 - -
20,405 32,567 18,784 30,659
298,125 308,853 282,049 294,887
297,024 308,122
1,101 731
298,125 308,853
43
( ) 0.77 0.78
( ) 0.77 0.78
14 166
5
2015
( )
2015 1 1 353,495 34,428 144,874 (24,548) 150,752 221,622 650,236 1,530,859 6,445 1,537,304
( ) - - - - - - 277,131 277,131 589 277,720
( ) 44 - - - 19,893 - - - 19,893 512 20,405
- - - 19,893 - - 277,131 297,024 1,101 298,125
( )
- 44,947 - - - - - 44,947 - 44,947
2,912 - 7,761 - - - - 10,673 - 10,673
- - - - - - - - 3,438 3,438
- - (159) - - - - (159) (339) (498)
- - - - - - - - 323 323
( )
(1) - - - - 27,288 - (27,288) - - -
(2) 30 - - - - - 24,734 (24,734) - - -
– 2014
31 - - - - - - (91,026) (91,026) - (91,026)
- 31 - - - - - - (2,331) (2,331) - (2,331)
- - - - - - - - (8) (8)
( )
24 28 - - (388) - - - - (388) - (388)
( ) - - (125) - - - - (125) 85 (40)
2015 12 31 356,407 79,375 151,963 (4,655) 178,040 246,356 781,988 1,789,474 11,045 1,800,519
(1) 0.71 8.90
(2) 13.03
14 166
6
( )
2015
( )
2014 1 1 351,390 - 140,844 (56,859) 123,870 202,940 511,949 1,274,134 4,329 1,278,463
( ) - - - - - - 275,811 275,811 475 276,286
( ) 44 - - - 32,311 - - - 32,311 256 32,567
- - - 32,311 - - 275,811 308,122 731 308,853
( )
- 34,428 - - - - - 34,428 - 34,428
2,105 - 5,572 - - - - 7,677 - 7,677
- - - - - - - - 1,393 1,393
( )
(1) - - - - 26,882 - (26,882) - - -
(2) 30 - - - - - 18,682 (18,682) - - -
–2013
31 - - - - - - (91,960) (91,960) - (91,960)
- - - - - - - - (8) (8)
( )
28 - - (1,572) - - - - (1,572) - (1,572)
( ) - - 30 - - - - 30 - 30
2014 12 31 353,495 34,428 144,874 (24,548) 150,752 221,622 650,236 1,530,859 6,445 1,537,304
(1) 1.14 3.45
(2) 5.20
14 166
7
2015
( )
2015 1 1 353,495 34,428 148,838 (18,186) 149,270 218,078 619,054 1,504,977
( ) - - - - - - 263,265 263,265
( ) 44 - - - 18,784 - - - 18,784
- - - 18,784 - - 263,265 282,049
( )
- 44,947 - - - - - 44,947
2,912 - 7,761 - - - - 10,673
( )
(1) - - - - 26,398 - (26,398) -
30 - - - - - 23,431 (23,431) -
–2014 31 - - - - - - (91,026) (91,026)
- 31 - - - - - - (2,331) (2,331)
( ) 24 28
- - (388) - - - - (388)
( ) - - (3) - - - - (3)
2015 12 31 356,407 79,375 156,208 598 175,668 241,509 739,133 1,748,898
(1) 0.71
14 166
8
( )
2015
( )
2014 1 1 351,390 - 144,826 (48,845) 122,733 199,916 491,485 1,261,505
( ) - - - - - - 264,228 264,228
( ) 44 - - - 30,659 - - - 30,659
- - - 30,659 - - 264,228 294,887
( )
- 34,428 - - - - - 34,428
2,105 - 5,572 - - - - 7,677
( )
(1) - - - - 26,537 - (26,537) -
30 - - - - - 18,162 (18,162) -
–2013 31 - - - - - - (91,960) (91,960)
( ) 28 - - (1,572) - - - - (1,572)
( ) - - 12 - - - - 12
2014 12 31 353,495 34,428 148,838 (18,186) 149,270 218,078 619,054 1,504,977
(1) 1.14
14 166
9
2015
( )
2015 2014 2015 2014
688,632 920,197 740,542 815,679
672,376 236,491 621,522 212,430
30,922 23,920 68,451 55
- 74,283 - 100,133
442,973 - 442,567 -
130,224 - 114,316 -
- 81,653 - 97,964
103,856 35,022 105,706 36,675
- 33,136 - 33,816
1,136 43,147 8,340 35,917
3,159 960 2,832 841
1,026,569 983,475 981,526 943,898
193 641 45 330
88,058 27,783 68,960 11,968
3,188,098 2,460,708 3,154,807 2,289,706
(924,231) (1,121,840) (899,947) (1,057,248)
(421) (93) (226) (192)
- (223,291) - (201,490)
(79,015) - (75,223) -
(12,158) (71,214) (44,269) (5,859)
- (173,890) - (122,273)
(43,766) - (30,888) -
(98,020) (6,047) (82,991) (5,094)
(284,962) - (291,307) -
(356,293) (329,411) (335,347) (312,399)
(110,604) (108,403) (103,933) (103,369)
(131,136) (131,392) (126,390) (126,168)
(15,728) (93,670) (23,785) (112,610)
(2,056,334) (2,259,251) (2,014,306) (2,046,702)
1,131,764 201,457 1,140,501 243,004
14 166
10
( )
2015
( )
2015 2014 2015 2014
1,378,079 1,011,771 1,233,258 912,828
1,094 1,145 1,102 1,058
( )
3,481 3,802 3,474 3,800
1,382,654 1,016,718 1,237,834 917,686
(2,007,160) (1,109,178) (1,768,518) (964,595)
(158) (324) - -
- - (5,802) (6,900)
- - (14,772) -
(33,486) (44,623) (9,756) (12,320)
(8,811) (9,334) (7,703) (8,897)
(2,049,615) (1,163,459) (1,806,551) (992,712)
(666,961) (146,741) (568,717) (75,026)
14 166
11
( )
2015
( )
2015 2014 2015 2014
323 1,393 - -
45,000 34,549 45,000 34,549
116,214 95,554 59,411 66,316
161,537 131,496 104,411 100,865
(10,325) (11,278) (9,784) (10,074)
(94,205) (54,594) (60,417) (36,202)
(91,026) (91,960) (91,026) (91,960)
(2,331) - (2,331) -
(374) - (374) -
(8) (8) - -
(198,269) (157,840) (163,932) (138,236)
(36,732) (26,344) (59,521) (37,371)
18,963 8,490 12,018 3,453
447,034 36,862 524,281 134,060
994,264 957,402 789,615 655,555
( 47) 1,441,298 994,264 1,313,896 789,615
14 166
12
( )
2015
( )
2015 2014 2015 2014
1.
277,720 276,286 263,265 264,228
86,993 56,729 85,015 55,275
16,976 15,053 13,225 12,962
3,368 3,252 3,047 2,990
(1,422) (102) (1,380) (361)
(848) (944) (850) (948)
(7,250) (3,960) (4,233) (3,420)
(2,796) (680) (2,224) (469)
( )/ (7,494) (476) (864) 4,977
(4,156) (2,779) (4,144) (2,772)
(3,869) (7,673) (3,939) (7,475)
13,349 11,705 10,866 10,464
(1,210,467) (1,630,065) (956,955) (1,425,731)
1,971,660 1,485,111 1,739,672 1,333,284
1,131,764 201,457 1,140,501 243,004
2.
85,226 88,714 81,631 85,693
88,714 80,913 85,693 77,985
1,356,072 905,550 1,232,265 703,922
905,550 876,489 703,922 577,570
447,034 36,862 524,281 134,060
14 166
13
( )
( ) 1984 1 1
2005 10 28
( )
B0001H111000001
100000000003965
55
A H ( )
( ) 601398 1398
4603 4604 84602
360011
( )
( )
2015 12 31
2015
(
) 2014 15
14
2015 12 31
( )
1.
1 1 12 31
2.
7
3.
( )
4.
( )
15
2015 12 31
( )
( )
( )
( )
( )
16
2015 12 31
( )
5.
(
)
17
2015 12 31
( )
6.
7.
18
2015 12 31
( )
8.
( )
(1)
(2)
(3)
19
2015 12 31
( )
(1)
(2)
(3)
( )
( )
20
2015 12 31
( )
9.
( )
21
2015 12 31
( )
( )
22
2015 12 31
( )
40%
12
10.
11.
(
)
(1)
(2)
23
2015 12 31
( )
(
)
12.
( )
24
2015 12 31
( )
13.
14.
25
2015 12 31
( )
26
2015 12 31
( )
15.
16.
(1)
(2)
17. ( )
27
2015 12 31
( )
18.
19.
(
)
28
2015 12 31
( )
( )
25
20.
29
2015 12 31
( )
( )
5-50 0%-3% 1.94% - 20%
( ) 2-7 - 14.29%-50%
15
25
(
)
21.
30
2015 12 31
( )
22.
40 70
25
23.
( )
31
2015 12 31
( )
24.
25.
26.
(1)
(2)
32
2015 12 31
( )
27.
(
)
(1)
(2)
(1)
(2)
(3)
33
2015 12 31
( )
28.
( )
(1)
(2)
34
2015 12 31
( )
29.
(1)
(2)
(1)
(2)
( )
35
2015 12 31
( )
30.
31.
36
2015 12 31
( )
-
( )
(1)
(2)
37
2015 12 31
( )
32.
(1)
(2)
(3)
(4)
(5)
(6)
(7)
(8)
(9)
(10)
(11)
33.
38
2015 12 31
( )
34.
(
)
35.
36.
37.
5%
1%-7%
3% - 5%
25%
39
2015 12 31
( )
38.
40
2015 12 31
( )
5
( )
46
41
2015 12 31
( )
1.
2015 2014 2015 2014
12 31 12 31 12 31 12 31
85,226 88,714 81,631 85,693
(1) 2,946 80,436 512 80,027
91,897 31,935 64,915 20,477
180,069 201,085 147,058 186,197
(2) 2,539,660 2,967,011 2,535,503 2,946,700
291,537 337,092 291,537 337,092
(2) 37,313 18,232 6,467 3,136
(2) 11,054 202 11,054 202
2,879,564 3,322,537 2,844,561 3,287,130
3,059,633 3,523,622 2,991,619 3,473,327
(1)
(2)
2015 12 31
42
2015 12 31
( )
2.
2015 2014 2015 2014
12 31 12 31 12 31 12 31
121,745 202,309 102,413 180,944
1,441 1,331 1,358 1,331
88,702 100,864 86,828 88,085
211,888 304,504 190,599 270,360
(329) (231) (329) (231)
211,559 304,273 190,270 270,129
3.
2015 2014 2015 2014
12 31 12 31 12 31 12 31
55,375 90,107 46,270 29,659
284,335 272,392 307,762 305,074
132,563 116,030 228,299 132,904
472,273 478,529 582,331 467,637
(39) (26) (33) (26)
472,234 478,503 582,298 467,611
2015 12 31
1,233.97 (2014 12 31 1,637.00 )
1,993.16
(2014 1,766.24 )
43
2015 12 31
( )
4.
2015 2014 2015 2014
12 31 12 31 12 31 12 31
( )
5,512 2,636 842 1,538
1,726 789 1,609 789
4,272 192 4,272 192
82,320 10,816 76,100 10,789
38,635 19,557 33,127 19,557
132,465 33,990 115,950 32,865
373 383 - -
( )
9,970 29,120 9,970 29,120
907 3,021 907 3,021
1,139 11,565 1,104 11,565
10,208 57,854 10,028 57,685
22,224 101,560 22,009 101,391
6,300 71,096 6,300 71,096
181,910 139,799 177,973 137,911
343,272 346,828 322,232 343,263
44
2015 12 31
( )
5.
2015 12 31
658.61
643.54 397.74
382.67
2015 12 31
3
3 1 1 5 5
1,211,545 1,309,472 139,060 4,290 2,664,367 35,533 (37,722)
39,851 65,470 778 - 106,099 1,074 -
50,866 53,240 283 - 104,389 - (1,203)
1,302,262 1,428,182 140,121 4,290 2,874,855 36,607 (38,925)
209,289 373,438 647,015 161,450 1,391,192 26,769 (28,079)
69,289 193,918 322,529 - 585,736 119 (111)
5,386 28 8,059 - 13,473 101 -
5,386 - 7,383 16 12,785 - (46)
289,350 567,384 984,986 161,466 2,003,186 26,989 (28,236)
691,028 266,823 44,352 1,460 1,003,663 15,274 (9,665)
2,282,640 2,262,389 1,169,459 167,216 5,881,704 78,870 (76,826)
45
2015 12 31
( )
2014 12 31
3
3 1 1 5 5
1,015,906 753,091 92,944 4,237 1,866,178 19,068 (20,281)
12,670 32,181 301 - 45,152 165 -
9,564 6,919 99 - 16,582 - (140)
1,038,140 792,191 93,344 4,237 1,927,912 19,233 (20,421)
70,707 88,816 152,041 33,598 345,162 2,408 (2,382)
5,198 11,219 819 - 17,236 2 (5)
75,905 100,035 152,860 33,598 362,398 2,410 (2,387)
185,228 52,507 1,304 219 239,258 2,405 (1,383)
1,299,273 944,733 247,508 38,054 2,529,568 24,048 (24,191)
2015 12 31
3
3 1 1 5 5
951,232 1,093,826 78,220 2,470 2,125,748 27,457 (29,659)
12,961 42,911 26 - 55,898 446 -
22,495 29,184 238 - 51,917 - (623)
986,688 1,165,921 78,484 2,470 2,233,563 27,903 (30,282)
54,607 134,907 95,726 18,354 303,594 1,676 (1,860)
- 2,286 - - 2,286 - -
54,607 137,193 95,726 18,354 305,880 1,676 (1,860)
38,407 54,475 439 299 93,620 3,711 (1,002)
1,079,702 1,357,589 174,649 21,123 2,633,063 33,290 (33,144)
46
2015 12 31
( )
2014 12 31
3
3 1 1 5 5
836,204 662,144 56,735 3,331 1,558,414 18,045 (18,839)
6,019 26,960 - - 32,979 78 -
3,133 2,399 - - 5,532 - (70)
845,356 691,503 56,735 3,331 1,596,925 18,123 (18,909)
66,383 69,365 113,153 10,151 259,052 1,791 (2,054)
1,383 5,253 819 - 7,455 - (4)
67,766 74,618 113,972 10,151 266,507 1,791 (2,058)
182,605 52,507 1,304 219 236,635 2,378 (1,357)
1,095,727 818,628 172,011 13,701 2,100,067 22,292 (22,324)
2015 12 31
3
3 1 1 5 5
265 503 10,406 2,192 13,366 201 (32)
2,347 1,018 790 - 4,155 20 (30)
77 84 104 - 265 - (60)
2,689 1,605 11,300 2,192 17,786 221 (122)
47
2015 12 31
( )
2014 12 31
3
3 1 1 5 5
318 378 1,778 3,734 6,208 190 (31)
3,022 6,508 - - 9,530 98 -
- 25 - - 25 - -
3,340 6,911 1,778 3,734 15,763 288 (31)
2015 12 31
3
3 1 1 5 5
- - 513 245 758 4 -
2,081 220 - - 2,301 20 -
2,081 220 513 245 3,059 24 -
2014 12 31
3
3 1 1 5 5
- 68 156 259 483 5 (3)
3,022 6,508 - - 9,530 98 -
- 25 - - 25 - -
3,022 6,601 156 259 10,038 103 (3)
(2014 )
48
2015 12 31
( )
2015 2014 2015 2014
12 31 12 31 12 31 12 31
/( )
91 136 31 71
(73) (129) (34) (77)
18 7 (3) (6)
2015 12 31
3
3 1 1 5 5
279 339 18,828 2,896 22,342 311 (133)
279 339 18,828 2,896 22,342 311 (133)
2014 12 31
3
3 1 1 5 5
- 69 - - 69 16 -
470 837 8,748 3,688 13,743 51 (217)
470 906 8,748 3,688 13,812 67 (217)
49
2015 12 31
( )
2015 12 31
3
3 1 1 5 5
162 282 15,290 2,626 18,360 73 (99)
2014 12 31
3
3 1 1 5 5
395 837 8,297 3,093 12,622 51 (148)
6.
2015 2014 2015 2014
12 31 12 31 12 31 12 31
(1) 943,351 388,512 792,876 259,213
52,982 79,950 - -
996,333 468,462 792,876 259,213
569,932 232,592 561,954 230,922
373,419 155,920 230,922 28,291
943,351 388,512 792,876 259,213
638,863 251,777 483,892 122,478
304,488 133,752 308,984 133,752
- 2,983 - 2,983
943,351 388,512 792,876 259,213
(1)
16
2015 12 31
5,725.60 2014 12 31 3,850.31
5,972.58 2014 12 31 4,297.05
1,370.66 2014 12
31 1,107.48 1,617.64
2014 12 31 1,554.22
50
2015 12 31
( )
7.
7.1
2015 2014 2015 2014
12 31 12 31 12 31 12 31
7,869,552 7,612,592 7,315,786 7,083,319
522,052 350,274 511,707 344,099
8,391,604 7,962,866 7,827,493 7,427,418
419,499 366,245 415,134 362,624
2,516,197 2,070,366 2,486,150 2,047,764
606,166 626,854 570,255 597,571
3,541,862 3,063,465 3,471,539 3,007,959
11,933,466 11,026,331 11,299,032 10,435,377
( 7.4)
(51,499) (41,245) (47,874) (39,080)
(229,155) (216,336) (224,682) (212,082)
(280,654) (257,581) (272,556) (251,162)
11,652,812 10,768,750 11,026,476 10,184,215
7.2
2015 2014 2015 2014
12 31 12 31 12 31 12 31
3,286,949 3,154,923 3,214,112 2,981,869
1,642,370 1,534,012 1,563,485 1,406,372
5,499,003 4,964,791 5,054,094 4,709,067
1,505,144 1,372,605 1,467,341 1,338,069
11,933,466 11,026,331 11,299,032 10,435,377
51
2015 12 31
( )
7.3
2015 12 31
1 90 1 3
90 1 3
20,866 9,398 10,149 1,150 41,563
46,563 26,467 18,916 5,358 97,304
98,111 43,537 25,814 7,760 175,222
4,362 5,406 7,904 937 18,609
169,902 84,808 62,783 15,205 332,698
2014 12 31
1 90 1 3
90 1 3
11,395 7,416 4,968 980 24,759
23,755 18,607 10,531 4,873 57,766
54,506 32,104 13,973 7,969 108,552
5,754 7,007 5,680 1,060 19,501
95,410 65,134 35,152 14,882 210,578
2015 12 31
1 90 1 3
90 1 3
19,877 9,187 9,790 1,072 39,926
45,554 26,367 18,897 5,342 96,160
89,380 41,230 24,946 7,649 163,205
4,107 5,307 7,385 934 17,733
158,918 82,091 61,018 14,997 317,024
52
2015 12 31
( )
2014 12 31
1 90 1 3
90 1 3
10,311 7,131 4,896 942 23,280
21,514 18,581 10,362 4,824 55,281
49,592 31,143 13,807 7,948 102,490
5,434 6,661 5,608 1,037 18,740
86,851 63,516 34,673 14,751 199,791
7.4
2014 1 1 39,065 201,894 240,959
( 40) 37,610 18,657 56,267
59,516 134,411 193,927
861 (861) -
(22,767) (114,893) (137,660)
( 32) (2,779) - (2,779)
(33,875) (4,489) (38,364)
1,224 274 1,498
2014 12 31
2015 1 1 41,245 216,336 257,581
( 40) 63,728 22,294 86,022
91,878 134,262 226,140
902 (902) -
(29,052) (111,066) (140,118)
( 32) (4,156) - (4,156)
326 88 414
(50,365) (9,931) (60,296)
721 368 1,089
2015 12 31 51,499 229,155 280,654
53
2015 12 31
( )
2014 1 1 37,410 198,075 235,485
( 40) 36,955 18,147 55,102
58,381 133,867 192,248
856 (856) -
(22,282) (114,864) (137,146)
(2,772) - (2,772)
(33,726) (4,408) (38,134)
1,213 268 1,481
2014 12 31
2015 1 1 39,080 212,082 251,162
( 40) 62,378 22,108 84,486
90,032 133,877 223,909
890 (890) -
(28,544) (110,879) (139,423)
(4,144) - (4,144)
(50,161) (9,867) (60,028)
721 359 1,080
2015 12 31 47,874 224,682 272,556
54
2015 12 31
( )
8.
(1)
2015 2014 2015 2014
12 31 12 31 12 31 12 31
( )
179,759 136,276 153,413 117,090
327,141 367,455 323,325 359,775
93,269 93,488 90,748 90,664
360,194 170,885 324,828 146,000
442,310 404,830 404,589 373,890
1,402,673 1,172,934 1,296,903 1,087,419
(i) 27,593 3,672 - -
(ii) 1,511 1,463 1,338 1,338
(673) (670) (606) (606)
838 793 732 732
(i) 13,091 10,889 1,433 1,965
13,929 11,682 2,165 2,697
1,444,195 1,188,288 1,299,068 1,090,116
(i)
2015 12 31
1.41 (2014 12 31
0.75 ) 2.64 (2014 12
31 5.93 )
0.37 2014 0.52
0.33 2014 1.11
(ii)
2014 2.44 2014
2.13
55
2015 12 31
( )
(2)
2015
/ 12,649 1,391,737 1,404,386
13,929 1,430,266 1,444,195
2,309 38,822 41,131
(i) (1,029) (293) (1,322)
2014
/ 10,523 1,173,100 1,183,623
11,682 1,176,606 1,188,288
2,172 3,681 5,853
(i) (1,013) (175) (1,188)
(i)
2015
2015 1 1 1,013 175 1,188
33 95 128
- (132) (132)
(17) - (17)
- 155 155
2015 12 31 1,029 293 1,322
2014
2014 1 1 1,206 162 1,368
111 61 172
- (9) (9)
(304) (39) (343)
2014 12 31 1,013 175 1,188
56
2015 12 31
( )
9.
(1)
2015 2014 2015 2014
12 31 12 31 12 31 12 31
( )
1,608,648 1,231,741 1,576,164 1,222,694
1,159,165 1,275,337 1,149,092 1,273,622
17,726 21,125 16,671 20,110
52,665 16,744 59,373 22,608
32,244 21,585 11,818 9,967
2,870,448 2,566,532 2,813,118 2,549,001
(95) (142) (27) (24)
2,870,353 2,566,390 2,813,091 2,548,977
2015 12 31
254.72 (2014 12 31 163.70 )
0.88% (2014 12 31 0.62%)
(2)
2015 2014 2015 2014
142 142 24 58
- 41 - -
(25) (38) - (31)
(30) (3) - (3)
8 - 3 -
95 142 27 24
57
2015 12 31
( )
10.
2015 2014 2015 2014
12 31 12 31 12 31 12 31
(1) 108,187 112,128 108,187 112,128
(2) 85,000 85,000 85,000 85,000
(3) 158,956 134,603 145,652 121,980
352,143 331,731 338,839 319,108
(1) 2000 2001
3,129.96
10
2.25% 2010
10
2015 12 31
2,048.09
(2) 1998 850
2028 2.25%
(3)
2016 1 2027 7 2.10% 9.50%
11.
(1)
2015 2014 2015 2014
12 31 12 31 12 31 12 31
- - 101,066 80,419
2,090 1,914 - -
22,443 27,353 21,742 26,706
24,533 29,267 122,808 107,125
(348) (348) (348) (348)
— (348) (348) (348) (348)
24,185 28,919 122,460 106,777
58
2015 12 31
( )
(2)
2015 2014 2015 2014
12 31 12 31 12 31 12 31
(“ ”) (i) 21,394 26,358 21,394 26,358
2,791 2,561 - -
24,185 28,919 21,394 26,358
(i)
2015 2014 2015
12 31 12 31 12 31
% % %
20.08 20.08 20.08 1.56
2015 2014
12 31 12 31
15,362 25,019
59
2015 12 31
( )
(ii)
2015 2014
824,404 1,021,036
749,889 934,306
74,515 86,730
42,950 48,012
11,197 10,229
826 187
12,023 10,416
4,950 5,061
64,508 76,606
20.08% 20.08%
12,954 15,382
8,788 11,324
21,742 26,706
(iii)
2015 2014
22 29
- -
22 29
60
2015 12 31
( )
(iv)
2015 2014
21,742 26,706
701 647
(348) (348)
22,095 27,005
(3)
2015 2014
2,090 1,914
59 74
- -
59 74
61
2015 12 31
( )
(4)
1,914 227 (173) 59 - - 63 2,090 -
26,706 - - 2,249 148 (1,090) (6,271) 21,742 (348)
647 9 - 22 - (4) 27 701 -
27,353 9 - 2,271 148 (1,094) (6,244) 22,443 (348)
29,267 236 (173) 2,330 148 (1,094) (6,181) 24,533 (348)
62
2015 12 31
( )
(5)
/
2015 2014 2015 2015
12 31 12 31 12 31 12 31
% % %
( ) 100 100 100 89.33 89.33
1993 3 3
( ) 100 100 100 2 2
( ) 2002 10 3
80 80 80 2 4.33
2005 6 21
( ) 100 100 100 4.37 4.37
2006 9 22
( ) 100 100 100 23.10 23.10
2007 10 12
100 100 100 3.31 3.31
2010 1 28
100 100 100 110 110
2007 11 26
60 60 60 2 1.2
2009 12 23
100 100 100 1 1
2009 12 10
( ) 100 100 100 5,000 5,000
2012 11 30
( ) 99.99 99.99 99.99 2.02 2.02
2013 1 22
( ) 100 100 100 6,037.77 6,037.77
( 2013 9 30
)
( ) 100 100 100 6.64 6.64
2014 12 22
63
2015 12 31
( )
/
2015 2014 2015 2015
12 31 12 31 12 31 12 31
% % %
100 100 100 48.82 48.82
( ) 1973 3 30
( ) 100 100 100 363.79 469.30
( 1964 11 12
)
( 98.61 98.61 98.61 26,922 2.86
) 2007 9 28
( )
( ) 89.33 89.33 89.33 5.89 120.64
1972 9 20
( )
( 80 80 80 15,800 17,866
) 1991 5 16
( ) 97.86 97.86 97.86 201.32 237.11
1969 8 26
( )
100 100 100 5,000 5,025
2004 2 11
60 60 60 87.05 57
1999 5 14
( ) 80 80 80 3.09 2.58
2003 12 5
80 80 80 13.45 35.05
( 2006 3 31
92.8169 - 92.8169 4.20 3. 09
1986 4 29
( )
60 - 60 10.83 6. 80
( 1987 5 11
)
64
2015 12 31
( )
12.
2014 1 1 117,755 59,730 34,013 211,498
4,398 8,731 29,070 42,199
( 13) 5,931 165 4,519 10,615
(671) (3,053) (778) (4,502)
2014 12 31
2015 1 1 127,413 65,573 66,824 259,810
1,909 7,530 31,782 41,221
( 13) 5,920 188 4,550 10,658
319 160 - 479
(1,328) (2,276) (10,371) (13,975)
2015 12 31 134,233 71,175 92,785 298,193
2014 1 1 34,741 38,520 1,855 75,116
5,348 7,909 1,796 15,053
(286) (2,120) (22) (2,428)
2014 12 31
2015 1 1 39,803 44,309 3,629 87,741
5,562 7,925 3,489 16,976
189 97 - 286
(275) (2,231) (592) (3,098)
2015 12 31 45,279 50,100 6,526 101,905
2014 1 1 401 3 115 519
( 40) - - 123 123
(7) - - (7)
2014 12 31
2015 1 1 394 3 238 635
( 40) - - 324 324
(6) - (66) (72)
2015 12 31 388 3 496 887
2014 12 31 87,216 21,261 62,957 171,434
2015 12 31 88,566 21,072 85,763 195,401
65
2015 12 31
( )
2015 12 31 118.52 (2014 12
31 107.81 )
2015 12 31
857.63 (2014 12 31 629.57 )
2015 12 31 228.50 (2014 12 31
155.98 )
13.
2015 2014
12 31 12 31
24,845 24,911
12,305 10,643
( 12) (10,658) (10,615)
(350) (94)
26,142 24,845
(41) (41)
26,101 24,804
14.
14.1
2015 12 31 2014 12 31
/ /
( ) ( )
/( ) /( )
113,845 28,443 104,244 25,807
(38,283) (9,670) (5,457) (1,341)
(3,166) (790) (2,400) (602)
28,696 7,174 25,791 6,448
(16,886) (4,091) (22,701) (5,554)
84,206 21,066 99,477 24,758
66
2015 12 31
( )
2015 12 31 2014 12 31
/ /
( ) ( )
/( ) /( )
(1,143) (296) (465) (68)
2,848 595 396 70
2,304 696 2,474 449
4,009 995 2,405 451
14.2
2015
25,807 2,636 - - 28,443
(1,341) - (8,329) - (9,670)
(602) (188) - - (790)
6,448 726 - - 7,174
(5,554) 695 733 35 (4,091)
24,758 3,869 (7,596) 35 21,066
2015
(68) (228) - (296)
70 - 525 595
449 247 - 696
451 19 525 995
67
2015 12 31
( )
2014
19,612 6,195 - 25,807
9,782 - (11,123) (1,341)
(1,874) 1,272 - (602)
5,751 697 - 6,448
(4,411) (387) (756) (5,554)
28,860 7,777 (11,879) 24,758
2014
(45) (23) - (68)
149 - (79) 70
316 127 6 449
420 104 (73) 451
15.
2015 2014
12 31 12 31
15.1 108,907 108,330
15.2 22,176 22,935
15.3 191,272 110,998
15.4 8,956 8,966
15.5 4,936 4,796
15.6 6,808 3,726
3,949 3,442
347,004 263,193
68
2015 12 31
( )
15.1
(1) 2015 12 31 2014 12 31
(2)
2015 12 31
74,870 68% - 74,870
28,013 26% - 28,013
1,854 2% - 1,854
1,303 1% - 1,303
1,713 2% - 1,713
68 0% - 68
1,086 1% - 1,086
108,907 100% - 108,907
2014 12 31
73,313 68% - 73,313
28,791 27% - 28,791
2,604 2% - 2,604
1,480 1% - 1,480
1,966 2% - 1,966
29 0% - 29
147 0% - 147
108,330 100% - 108,330
69
2015 12 31
( )
15.2
2014 1 1 26,028 5,533 1,451 33,012
231 760 10 1,001
(178) (10) (5) (193)
2014 12 31
2015 1 1 26,081 6,283 1,456 33,820
81 1,176 2 1,259
- - 410 410
(107) (20) (584) (711)
2015 12 31 26,055 7,439 1,284 34,778
2014 1 1 4,894 4,273 84 9,251
747 920 26 1,693
(149) (8) (3) (160)
2014 12 31
2015 1 1 5,492 5,185 107 10,784
733 918 93 1,744
- - 304 304
(16) (16) (299) (331)
2015 12 31 6,209 6,087 205 12,501
2014 1 1 95 - 11 106
(5) - - (5)
2014 12 31
2015 1 1 90 - 11 101
- - 48 48
- - (48) (48)
2015 12 31 90 - 11 101
2014 12 31 20,499 1,098 1,338 22,935
2015 12 31 19,756 1,352 1,068 22,176
2015 12 31 (2014 12 31
)
70
2015 12 31
( )
15.3
(1)
2015 12 31
1 177,144 93% (311) 176,833
1-2 8,121 4% (13) 8,108
2-3 2,399 1% (5) 2,394
3 4,228 2% (291) 3,937
191,892 100% (620) 191,272
2014 12 31
1 102,782 92% (470) 102,312
1-2 2,186 2% (35) 2,151
2-3 1,473 1% (4) 1,469
3 5,137 5% (71) 5,066
111,578 100% (580) 110,998
(2)
2015 2014
12 31 12 31
164,782 89,335
11,310 12,124
15,800 10,119
191,892 111,578
(620) (580)
191,272 110,998
71
2015 12 31
( )
15.4
2015 2014
12 31 12 31
8,966 8,528
(1) 458 -
(468) 438
8,956 8,966
- -
8,956 8,966
1 2015 15.50 92.8169%
4.58
2015 42.51 60%
4.87
15.5
2014 1 1 3,643 839 170 4,652
953 528 780 2,261
(1,041) (414) (104) (1,559)
(513) (26) (19) (558)
2014 12 31
2015 1 1 3,042 927 827 4,796
1,001 593 233 1,827
(1,073) (340) (212) (1,625)
(46) (1) (15) (62)
2015 12 31 2,924 1,179 833 4,936
2015 12 31 17.95
(2014 12 31 15.47 )
72
2015 12 31
( )
15.6
2015 2014
12 31 12 31
4,929 2,437
618 558
293 302
1,445 866
7,285 4,163
(477) (437)
6,808 3,726
16.
2015 2014 2015 2014
12 31 12 31 12 31 12 31
1,673,179 941,769 1,653,551 943,755
115,088 165,007 68,198 148,548
1,788,267 1,106,776 1,721,749 1,092,303
17.
2015 2014 2015 2014
12 31 12 31 12 31 12 31
185,789 136,819 74,950 39,674
291,804 295,644 306,590 261,303
477,593 432,463 381,540 300,977
73
2015 12 31
( )
18.
2015 2014 2015 2014
12 31 12 31 12 31 12 31
(1) 205,531 312,336 205,531 312,336
(2)(i) 27,521 217,431 27,521 217,431
(2)(ii) 55,871 53,227 55,866 53,223
(2)(iii) 8,496 6,227 8,496 6,227
6,508 164 - -
303,927 589,385 297,414 589,217
(1)
2015 12 31
14.96
(2014 12 31 15.31 )
(2)
(i) 2015 12 31
1.59 (2014 12 31
5.88 )
(ii) 2015 12 31
(2014 12 31 )
(iii) 2012 2014
2015
2015 12 31
3.83 2014 12 31 6.41
2015 2014
74
2015 12 31
( )
19.
2015 2014 2015 2014
12 31 12 31 12 31 12 31
( 6) 313,306 344,380 130,830 161,718
23,885 36,577 - -
337,191 380,957 130,830 161,718
180,681 191,763 121,420 161,649
132,625 152,617 9,410 69
313,306 344,380 130,830 161,718
303,841 332,578 121,365 150,884
9,465 10,834 9,465 10,834
- 968 - -
313,306 344,380 130,830 161,718
20.
75
2015 12 31
( )
21.
2015 2014 2015 2014
12 31 12 31 12 31 12 31
4,507,661 4,134,828 4,413,305 4,026,374
3,390,514 3,153,817 3,344,216 3,115,187
3,929,353 3,902,305 3,645,906 3,601,210
4,210,600 4,034,790 4,134,525 3,950,564
243,811 330,861 243,721 330,766
16,281,939 15,556,601 15,781,673 15,024,101
22.
2015 2014
12 31 12 31
23,748 21,038
4,716 4,798
2,026 1,397
1,227 915
31,717 28,148
2015 12 31
(2014 12 31 )
23.
2015 2014 2015 2014
12 31 12 31 12 31 12 31
63,266 60,666 62,136 59,571
9,315 10,098 9,253 9,982
629 663 622 654
468 501 464 494
1,556 350 1,116 740
75,234 72,278 73,591 71,441
76
2015 12 31
( )
24.
2015 2014
12 31 12 31
(1)
181,092 187,024
14,461 9,638
195,553 196,662
(2) - 9,485
(3)
59,083 47,181
51,986 26,262
111,069 73,443
306,622 279,590
2015 12 31 387.23
(2014 12 31 288.86 )
(1)
2005 2009 2010
2011 2012 2014
2015
(2014 )
05 02 2005-08-19 100 130 - 3.77% 2005-09-06 2020-09-06 2005-10-11 (i)
09 02 2009-07-16 100 240 240 4.00% 2009-07-20 2024-07-20 2009-08-20 (ii)
10 01 2010-09-10 100 58 - 3.90% 2010-09-14 2020-09-14 2010-11-03 (iii)
10 02 2010-09-10 100 162 162 4.10% 2010-09-14 2025-09-14 2010-11-03 (iv)
11 01 2011-06-29 100 380 380 5.56% 2011-06-30 2031-06-30 2011-08-30 (v)
11 02 2011-12-29 100 500 500 5.50% 2011-12-30 2026-12-30 2012-01-17 (vi)
12 01 2012-06-11 100 200 200 4.99% 2012-06-13 2027-06-13 2012-07-13 (vii)
14 01 2014-08-04 100 200 200 5.80% 2014-08-05 2024-08-05 2014-09-24 (viii)
77
2015 12 31
( )
(i) 2015 9 6
(ii) 2019 7 20
300
(iii) 2015 9 14
(iv) 2020 9 14
(v) 2026 6 30
(vi) 2021 12 30
(vii) 2022 6 13
(viii) 2019 8 5
15
2015-09-15 99.189% 20 130 4.875% 2015-09-21 2025-09-21 2015-09-22 (ix)
(ix) 2015 9 15 4.875% 20
2015 9 22
99.189% 2025 9 21
2010 11 30 5.125% 5
99.737% 2020 11 30
2011 11 4 6% 15
100% 2021 11 4
2013 10 10 4.5% 5
99.463% 2023 10 10
78
2015 12 31
( )
2014 9 10 3.2
99.298% 2024 9 10
2006 7 27 8.012% 1.4
2016 7 27
2009 12 2 8.125% 5
2019 12 2
(2014 )
(2)
( ) 2010
8 31 250 A
2010-8-31 2010-8-31 2016-8-31 2010-9-10
100 250
21,998 3,002 25,000
(113) (17) (130)
21,885 2,985 24,870
(14,980) (2,597) (17,577)
2,580 - 2,580
2014 12 31 9,485 388 9,873
(9,482) (386) (9,868)
11 - 11
(14) (2) (16)
2015 12 31 - - -
79
2015 12 31
( )
(3)
2015 12 31
(i)
131.46
2016 2024 2015
50.55
2016 2022
(ii)
70.34 2016 2021 2015
30.90 2018
(iii) 2015
40.12 2016
(iv) 214.40
2016 2020 2015
69.76 2016 2020
(v) 2015
53.21 2016 2018
(vi) 2015
32.35 2020
(vii) 24.98
2016 2019
(viii) 19.97
2016 2018
(ix)
2.80 2016
(i)
57.17 2016 2020 2015
51.24
2016 2020 2015
141.06 2016
(ii)
212.03 2018 2021
Skysea International Capital Management Limited (“Skysea International”)
2011 4.875% 7.5
97.708% 1.12
80
2015 12 31
( )
39.75 2021 12 7
Skysea International
2015
3.90% 15 2018
2015 157.28
2018 2020
(iii) 59.79
2016 2019 2015
20.06 2016 2017
(iv) 42.03
2017
(v)
3.13 2017 2018 2015
0.91 2018
(vi) 1.09
2017
(vii) 4.76
2016 2017 2015
3.34 2016 2017
25.
2015 2014
12 31 12 31
254,942 242,433
(1) 218,102 133,104
72,344 49,393
545,388 424,930
2015 12 31 4,800.49
(2014 12 31 3,664.58 )
81
2015 12 31
( )
(1)
2015 2014
12 31 12 31
168,568 85,227
27,752 19,745
3,303 3,185
5,052 2,409
13,427 22,538
218,102 133,104
26.
2015 12 31 2014 12 31
( ) ( )
H ( 1 ) 86,795 86,795 86,795 86,795
A ( 1 )(1) 269,612 269,612 266,700 266,700
356,407 356,407 353,495 353,495
H A H
(1)
2010 8 31 25,000 A
( 100 250 ) 2011 3 1
A A 2014 11 19 2014
12 30 A
3.27 / 130%
4.25 / 2015
2 12 A 2015 2
12 249,857,640 A
7,387,711,262 A 269,612,212,539
142,360
82
2015 12 31
( )
27.
27.1
( ) ( ) ( )
2014-12-10 6.00% 20 / 147 2,940 17,991
2014-12-10 6.00% 15 / 40 600 4,558
2014-12-10 6.00% 100 / 120 12,000 12,000
2015-11-18 4.50% 100 / 450 45,000 45,000
757 79,549
174
79,375
27.2
(1)
a.
( 5
7 )
5 ( )
b.
c.
83
2015 12 31
( )
d.
e.
5.125% ( )
H
5.125% H
H
H
(1)
(2)
f.
5
7
5
g.
(
)
84
2015 12 31
( )
(2)
a.
(5 )
5 ( )
b.
c.
d.
e.
5.125%
A
5.125% A
A
A
(1)
(2)
85
2015 12 31
( )
f.
2015 11 18 5
g.
(
)
27.3
2015 1 1 ( ) 147 40 120 - 307
( ) 2,940 600 12,000 -
( ) 17,991 4,558 12,000 - 34,549
( ) - - - 450 450
( ) - - - 45,000 45,000
( ) - - - 45,000 45,000
( ) - - - - -
( ) - - - -
( ) - - - - -
2015 12 31 ( ) 147 40 120 450 757
( ) 2,940 600 12,000 45,000
( ) 17,991 4,558 12,000 45,000 79,549
27.4
2015 1 1 2015 12 31
1. 1,530,859 1,789,474
(1) 1,496,431 1,710,099
(2) 34,428 79,375
2. 6,445 11,045
(1) 6,445 11,045
(2)
- -
86
2015 12 31
( )
28.
2015
144,152 7,761 - 151,913
( 24) 388 - (388) -
- - (159) (159)
334 - (125) 209
144,874 7,761 (672) 151,963
2014
138,580 5,572 - 144,152
1,960 - (1,572) 388
304 30 - 334
140,844 5,602 (1,572) 144,874
29.
2015 2014
12 31 12 31
175,236 148,884
432 386
175,668 149,270
2,372 1,482
178,040 150,752
10%
50%
25%
2016 3 30 2015
10% 263.98 (2014 265.37 )
87
2015 12 31
( )
30.
2014 1 1 199,916 3,024 202,940
( 31) 18,162 520 18,682
2014 12 31 2015 1 1 218,078 3,544 221,622
( 31) 23,431 1,303 24,734
2015 12 31 241,509 4,847 246,356
2012 7 1 1.5%
2016 3 30 234.31
(2014 181.62 ) 2015 12 31
2,415.09 1.5%
31.
2015 2014
650,236 511,949
277,131 275,811
(27,288) (26,882)
( 30) (24,734) (18,682)
(91,026) (91,960)
(2,331) -
781,988 650,236
88
2015 12 31
( )
32.
2015 2014 2015 2014
(1) 616,541 615,488 589,956 588,536
421,877 437,789 398,565 413,552
174,503 164,612 171,798 162,242
20,161 13,087 19,593 12,742
(2) 170,833 159,262 163,832 154,825
47,867 48,384 47,683 48,162
36,538 26,745 32,869 24,745
871,779 849,879 834,340 816,268
(298,010) (298,941) (289,682) (290,006)
(49,801) (42,801) (40,503) (36,373)
(16,101) (14,615) (12,954) (12,478)
(363,912) (356,357) (343,139) (338,857)
507,867 493,522 491,201 477,411
(1) 41.56
(2014 27.79 )
(2) 0.28
(2014 0.27 )
89
2015 12 31
( )
33.
2015 2014 2015 2014
37,684 35,133 36,446 33,895
(1) 35,910 20,676 36,635 21,271
27,986 30,422 27,067 29,533
26,791 30,474 24,697 28,506
(1) 18,305 14,929 14,981 12,991
(1) 5,544 5,923 5,354 5,779
4,687 4,614 4,247 4,207
(1) 1,979 2,019 1,724 1,819
2,784 2,488 2,180 2,094
161,670 146,678 153,331 140,095
(18,279) (14,181) (15,909) (12,160)
143,391 132,497 137,422 127,935
(1)
186.59 (2014 163.07
)
34.
2015 2014 2015 2014
4,072 1,297 3,765 1,189
4,059 3,490 4,041 3,478
1,104 85 859 33
9,235 4,872 8,665 4,700
(4,973) (3,940) (4,973) (3,940)
2,330 2,157 2,249 2,054
3,817 1,831 1,124 1,447
10,409 4,920 7,065 4,261
2015 40.72
(2014 12.97 )
9.14 (2014 4.50 )
90
2015 12 31
( )
35.
2015 2014 2015 2014
445 183 94 164
2,332 382 2,086 300
19 115 44 5
2,796 680 2,224 469
(414) (183) (765) (604)
36.
37.
2015 2014
(1) 20,633 15,253
10,657 8,347
31,290 23,600
(1)
2015 2014
23,538 15,400
(2,905) (147)
20,633 15,253
91
2015 12 31
( )
38.
2015 2014
37,638 36,825
2,575 2,495
1,893 1,849
214 182
42,320 41,351
39.
2015 2014 2015 2014
72,721 70,284 66,600 65,651
27,563 28,541 26,687 27,875
- 13,889 13,197 13,566 12,752
114,173 112,022 106,853 106,278
13,487 15,053 13,225 12,962
3,368 3,252 3,047 2,990
46,795 45,934 41,455 42,067
177,823 176,261 164,580 164,297
40.
2015 2014 2015 2014
98 48 98 48
/( ) 13 (40) 7 (38)
( 7.4) 86,022 56,267 84,486 55,102
( )/ (4) 163 17 27
( )/ (25) 3 - (31)
( 12) 324 123 - -
565 165 407 167
86,993 56,729 85,015 55,275
92
2015 12 31
( )
41.
2015 2014
20,599 14,663
10,377 10,276
30,976 24,939
42.
42.1
2015 2014
86,541 88,981
1,837 1,613
2,238 2,151
90,616 92,745
(1,232) 254
(3,869) (7,673)
85,515 85,326
93
2015 12 31
( )
42.2
25%
2015 2014
363,235 361,612
90,809 90,403
(511) (575)
(1) 5,774 3,937
(2) (10,256) (9,081)
(582) (539)
(1,232) 254
1,513 927
85,515 85,326
(1)
(2)
43.
2015 2014
274,800 275,811
( ) 356,027 351,438
( ) 0.77 0.78
94
2015 12 31
( )
2015 2014
274,800 275,811
( ) 13 447
274,813 276,258
( ) 356,027 351,438
( ) - 2,916
( ) 356,027 354,354
( ) 0.77 0.78
( ) 2010
8 31 250 A
95
2015 12 31
( )
44.
2015 2014 2015 2014
(8) - (8) -
(8) - (8) -
19,901 32,311 18,792 30,659
36,358 43,902 33,968 43,183
/
(2,357) 1,330 (1,098) 796
(8,854) (11,044) (8,233) (10,986)
25,147 34,188 24,637 32,993
( )/ (73) 120 (44) 52
- (12) 1 (8)
(73) 108 (43) 44
156 80 156 80
(5,329) (2,065) (5,958) (2,458)
19,893 32,311 18,784 30,659
512 256 - -
20,405 32,567 18,784 30,659
96
2015 12 31
( )
45.
45.1
(1)
2014 1 29
60% 5 2
20%
6
2015 2 1 2015 3 27
2015 12 31
60%
(2)
4,251 4,251
4,251 4,251
4,738
(487)
97
2015 12 31
( )
(3)
6,388 6,388
2,239 2,239
18,426 18,426
12,950 12,913
17,110 17,110
59,324 59,324
15,806 15,806
1,925 1,922
16 16
3,179 3,177
35,062 35,025
7,385 7,385
59,674 59,674
1,812 1,812
16,813 16,811
4,342 4,366
4,378 4,378
7,897 7,870
3,159
4,738
(4)
2015 2 1
2015 12 31
800
(1,390)
5,130
(5)
2015 2 1
6,388
(4,251)
2,137
98
2015 12 31
( )
45.2
(1)
2014 4 29 GSD Holding
A. Tekstilbank 75.5%
2015 5 22
Tekstbank
2015 7 20 8 14 Tekstilbank
72,730,110.49 Tekstbank
Tekstbank 92.8169%
Tekstilbank
(2)
1,550 1,550
1,550 1,550
1,092
458
99
2015 12 31
( )
(3)
923 923
546 546
7 7
274 274
5,474 5,474
62 62
20 20
102 102
1 1
5,112 5,112
148 148
453 453
18 18
229 229
1,447 1,447
355
1,092
(4)
2015 5 22
2015 12 31
290
0
(195)
(5)
2015 5 22
923
(1,550)
(627)
100
2015 12 31
( )
(6)
2015 7 20 8 14 Tekstilbank
72,730,110.49 Tekstlbank
Tekstlbank 92.8169%
374
374
219
155
155
46.
(1)
2015 12 31
2015 12 31 2014 12 31
5,679 5,679 3,146 3,146
27,793 27,793 3,872 3,872
215,504 215,504 139,194 139,194
3,657 3,657 11,225 11,225
7,182 7,182 6,459 6,459
259,815 259,815 163,896 163,896
101
2015 12 31
( )
2015 12 31
2015 12 31
- 5,679 - -
- 27,593 - 200
- - 181,376 34,128
- - - 3,657
306 6,480 306 90
306 39,752 181,682 38,075
2014 12 31
- 3,146 - -
- 3,672 - 200
- - 139,004 190
- - - 11,225
465 4,666 - 1,328
465 11,484 139,004 12,943
(2)
2015 12 31
2015 12 31
23,852.00 (2014 12
31 14,548.36 ) 9,362.20 (2014 12 31
5,903.86 )
102
2015 12 31
( )
(3) 2015 12 31
2015
60.76 (2014 78.12 )
2015 0.57 (2014
0.17 )
2015 1 1 2015 12 31
8,214.77 (2014 1 1
2014 12 31 23,084.69
)
2015 1 1 2015 12 31
579.36 (2014 1 1 2014
12 31 452.88 )
47.
2015 2014
12 31 12 31
85,226 88,714
94,843 112,371
122,082 293,713
235,904 245,148
903,243 254,318
1,356,072 905,550
1,441,298 994,264
48.
103
2015 12 31
( )
2015 12 31 2014 12 31
7,191 7,107 1,998 1,472
63,834 - 13,361 -
71,025 7,107 15,359 1,472
2015 12 31
295.27 (2014 12
31 91.64 ) 13.10
(2014 12 31 2.68 )
2015 12 31
1.22 (2014 12 31
2.70 ) 0.17 (2014 12
31 1.26 )
104
2015 12 31
( )
49.
2006
H 10
50.
2015 12 31
1,488.13 (2014 12 31
1,944.48 )
51.
2015 12 31
1,408.34 (2014 12 31
1,891.95 ) 1,688.26
(2014 12 31 1,687.69 )
52.
33
105
2015 12 31
( )
/
/
106
2015 12 31
( )
2015
241,524 179,721 86,622 - 507,867
287,137 26,963 193,767 - 507,867
( )/ (45,613) 152,758 (107,145) - -
78,211 64,709 471 - 143,391
82,664 78,060 946 - 161,670
(4,453) (13,351) (475) - (18,279)
(1)
6,179 539 5,519 7,568 19,805
(69,354) (87,310) (15,968) (5,883) (178,515)
(23,775) (13,652) (4,665) (228) (42,320)
232,785 144,007 71,979 1,457 450,228
(63,952) (22,271) (202) (568) (86,993)
328,747 265,063 100,013 3,824 697,647
(159,990) (143,346) (28,236) (6,540) (338,112)
168,833 121,736 71,777 889 363,235
(85,515)
277,720
7,587 5,813 3,099 356 16,855
25,873 20,045 10,394 1,189 57,501
2015 12 31
8,427,930 3,587,372 10,075,355 119,123 22,209,780
- - - 24,185 24,185
87,929 68,386 35,073 30,114 221,502
(2)
19,740 8,206 5,633 11,125 44,704
9,073,983 7,843,009 3,379,557 112,712 20,409,261
1,759,175 538,709 - - 2,297,884
(1)
(2)
107
2015 12 31
( )
2014
221,634 185,244 86,644 - 493,522
294,461 17,206 181,855 - 493,522
( )/ (72,827) 168,038 (95,211) - -
80,714 51,208 575 - 132,497
84,469 61,398 811 - 146,678
(3,755) (10,190) (236) - (14,181)
(1)
/( ) 6,303 618 (2,743) 6,818 10,996
(74,709) (81,481) (15,050) (6,083) (177,323)
(24,929) (12,411) (3,919) (92) (41,351)
209,013 143,178 65,507 643 418,341
( )/ (40,498) (16,092) (144) 5 (56,729)
308,501 251,902 94,555 3,934 658,892
(140,119) (124,839) (29,192) (5,130) (299,280)
168,515 127,086 65,363 648 361,612
(85,326)
276,286
9,596 5,594 2,897 218 18,305
26,235 19,322 9,770 777 56,104
2014 12 31
7,978,544 3,110,238 9,402,275 118,896 20,609,953
- - - 28,919 28,919
80,220 59,099 29,717 27,202 196,238
(2)
18,237 8,170 5,198 10,418 42,023
8,733,769 7,405,054 2,865,212 68,614 19,072,649
1,867,439 474,684 - - 2,342,123
(1)
(2)
108
2015 12 31
( )
(
)
( )
( )
109
2015 12 31
( )
2015
( )
74,467 82,507 57,540 100,110 63,041 81,859 25,277 23,066 - 507,867
210,421 56,386 47,333 24,031 49,421 78,677 17,092 24,506 - 507,867
( )/ (135,954) 26,121 10,207 76,079 13,620 3,182 8,185 (1,440) - -
4,639 35,803 22,685 24,685 21,179 20,588 5,751 8,167 (106) 143,391
7,068 39,348 24,694 27,160 23,186 23,228 6,297 11,592 (903) 161,670
(2,429) (3,545) (2,009) (2,475) (2,007) (2,640) (546) (3,425) 797 (18,279)
( )/ (1) (2,146) (649) 1,082 6,209 227 1,811 (131) 13,402 - 19,805
(17,848) (26,244) (19,066) (29,044) (28,136) (31,304) (12,211) (14,768) 106 (178,515)
(1,246) (9,053) (6,205) (8,253) (6,409) (8,178) (2,382) (594) - (42,320)
57,866 82,364 56,036 93,707 49,902 64,776 16,304 29,273 - 450,228
(6,232) (25,059) (20,722) (11,058) (9,087) (11,005) (1,771) (2,059) - (86,993)
76,625 119,354 82,151 132,556 84,875 104,296 31,291 66,605 (106) 697,647
(20,283) (63,715) (47,908) (51,136) (44,832) (52,338) (17,097) (40,909) 106 (338,112)
51,634 57,305 35,314 82,649 40,815 53,771 14,533 27,214 - 363,235
(85,515)
277,720
2,601 2,446 1,538 2,275 2,789 3,341 1,185 680 - 16,855
2,488 6,026 1,081 1,906 2,727 3,649 1,137 38,487 - 57,501
(1)
110
2015 12 31
( )
2015 12 31
( )
9,142,237 4,862,465 3,366,173 3,633,597 2,216,719 2,819,807 1,069,622 2,450,563 (7,372,469) 22,188,714
- - - - - - - 24,185 - 24,185
14,155 29,126 11,592 18,319 19,292 23,718 10,620 94,680 - 221,502
(1) 10,726 6,193 3,337 4,556 6,224 7,820 1,469 4,379 - 44,704
21,066
22,209,780
7,568,090 4,995,033 3,497,543 4,799,262 2,289,592 2,732,706 1,024,661 810,582 (7,372,469) 20,345,000
64,261
20,409,261
558,184 398,045 250,410 415,973 149,897 207,604 54,608 263,163 - 2,297,884
(1)
111
2015 12 31
( )
2014
( )
54,792 84,542 57,242 100,568 63,440 83,078 27,740 22,120 - 493,522
189,569 62,596 47,949 29,633 48,166 75,409 18,613 21,587 - 493,522
( )/ (134,777) 21,946 9,293 70,935 15,274 7,669 9,127 533 - -
4,532 32,565 22,016 22,364 20,643 19,403 5,143 6,150 (319) 132,497
5,508 35,601 23,634 24,481 22,253 21,559 5,659 8,302 (319) 146,678
(976) (3,036) (1,618) (2,117) (1,610) (2,156) (516) (2,152) - (14,181)
/( ) (1) 11,915 (2,221) (197) (8,272) (312) 110 (168) 10,141 - 10,996
(20,315) (26,254) (19,122) (28,097) (27,473) (30,853) (12,115) (13,413) 319 (177,323)
(891) (9,099) (6,185) (8,237) (6,216) (7,882) (2,410) (431) - (41,351)
50,033 79,533 53,754 78,326 50,082 63,856 18,190 24,567 - 418,341
(3,794) (15,690) (11,488) (6,831) (7,626) (7,128) (2,648) (1,524) - (56,729)
71,167 117,134 80,375 116,555 84,233 103,511 33,280 52,956 (319) 658,892
(22,428) (54,401) (38,751) (45,672) (42,668) (47,272) (18,180) (30,227) 319 (299,280)
46,239 63,843 42,266 71,495 42,456 56,728 15,542 23,043 - 361,612
(85,326)
276,286
2,668 2,454 1,598 2,153 2,703 3,191 1,149 2,389 - 18,305
2,413 4,795 1,376 3,033 3,246 4,007 1,317 35,917 - 56,104
(1)
112
2015 12 31
( )
2014 12 31
( )
8,820,680 4,680,319 3,342,070 3,394,573 2,008,309 2,579,889 1,001,247 1,919,486 (7,161,378) 20,585,195
- - - - - - - 28,919 - 28,919
14,355 25,655 12,019 18,553 19,205 23,602 10,624 72,225 - 196,238
(1) 11,282 6,444 2,966 4,164 5,941 6,276 1,450 3,500 - 42,023
24,758
20,609,953
7,431,623 4,693,296 3,457,784 4,344,494 1,983,382 2,555,769 959,520 747,042 (7,161,378) 19,011,532
61,117
19,072,649
469,704 438,216 319,851 419,494 129,088 158,055 58,811 348,904 - 2,342,123
(1)
113
2015 12 31
( )
1.
2015 2014
12 31 12 31
719 850
22,081 28,738
22,800 29,588
-
2015 2014
12 31 12 31
5,516 5,210
4,392 4,387
3,201 3,460
3,500 4,542
2,369 580
18,978 18,179
114
2015 12 31
( )
-
2015 2014
12 31 12 31
10,198 6,156
9,970 6,148
9,942 6,050
19,551 11,789
39,344 25,198
89,005 55,341
2.
115
2015 12 31
( )
2015 2014
12 31 12 31
339,494 348,924
— 61,839 33,369
— 281,804 274,186
27,148 56,096
219,199 334,838
— 102,375 235,664
— 727,316 584,362
538,709 474,684
2,297,884 2,342,123
2015 2014
12 31 12 31
(1) 1,071,193 1,014,045
(1)
3.
2015 2014
12 31 12 31
1,013,303 940,303
1,012,587 939,773
116
2015 12 31
( )
4.
4.1
2015 12 31 /
47.15 2014 12 31 30.01
4.2
2015 12 31
974.77 2014 12 31 908.74
2015 12 31 2014 12 31
117
2015 12 31
( )
1.
118
2015 12 31
( )
(1)
119
2015 12 31
( )
(2)
120
2015 12 31
( )
1.1
2015 2014
12 31 12 31
2,974,407 3,434,908
211,559 304,273
472,234 478,503
342,899 346,445
78,870 24,048
996,333 468,462
11,652,812 10,768,750
1,430,266 1,176,606
2,870,353 2,566,390
352,143 331,731
272,777 198,482
21,654,653 20,098,598
2,297,884 2,342,123
23,952,537 22,440,721
1.2
121
2015 12 31
( )
2015 12 31
2,546,091 66,674 72,786 84,112 16,509 30,432 22,002 135,801 2,974,407
111,653 930 592 353 221 1,214 362 96,234 211,559
300,060 3,280 - 21,060 1,250 42 - 146,542 472,234
116,132 64 42 205,012 19 50 12 21,568 342,899
17,758 2,746 1,347 1,726 238 206 843 54,006 78,870
788,380 - - - - - - 207,953 996,333
472,341 2,237,047 1,513,330 1,970,272 1,636,115 2,129,451 654,867 1,039,389 11,652,812
875,753 54,154 34,253 237,336 19,189 20,394 2,642 186,545 1,430,266
2,643,343 42,541 21,454 13,469 11,844 28,973 9,607 99,122 2,870,353
327,410 635 484 5,508 4,260 302 240 13,304 352,143
136,643 19,021 10,966 20,274 11,813 13,253 3,177 57,630 272,777
8,335,564 2,427,092 1,655,254 2,559,122 1,701,458 2,224,317 693,752 2,058,094 21,654,653
558,184 398,045 250,410 415,973 149,897 207,604 54,608 263,163 2,297,884
8,893,748 2,825,137 1,905,664 2,975,095 1,851,355 2,431,921 748,360 2,321,257 23,952,537
122
2015 12 31
( )
2014 12 31
3,006,630 67,318 49,194 179,692 20,387 32,200 8,599 70,888 3,434,908
178,034 1,175 1,268 230 83 1,915 213 121,355 304,273
230,305 4,331 1,211 47,297 1,430 2 1,008 192,919 478,503
334,096 172 126 7,675 58 79 20 4,219 346,445
9,377 1,371 5,519 848 255 322 910 5,446 24,048
256,230 - - 2,983 - - - 209,249 468,462
463,735 2,141,295 1,412,991 1,816,719 1,462,435 1,940,872 608,799 921,904 10,768,750
695,131 62,585 37,264 228,694 15,006 17,094 3,422 117,410 1,176,606
2,454,903 51,699 18,931 4,140 - - - 36,717 2,566,390
304,092 1,140 510 5,948 5,960 1,218 240 12,623 331,731
93,801 16,278 10,303 16,925 11,312 11,572 2,823 35,468 198,482
8,026,334 2,347,364 1,537,317 2,311,151 1,516,926 2,005,274 626,034 1,728,198 20,098,598
469,704 438,216 319,851 419,494 129,088 158,055 58,811 348,904 2,342,123
8,496,038 2,785,580 1,857,168 2,730,645 1,646,014 2,163,329 684,845 2,077,102 22,440,721
123
2015 12 31
( )
1.4
2015 2014
12 31 12 31
1,603,631 1,642,460
1,551,248 1,439,285
866,779 923,005
835,616 751,728
724,246 624,046
562,917 530,103
472,791 477,193
280,556 301,261
226,619 220,860
224,215 224,994
137,497 123,207
383,437 354,450
7,869,552 7,612,592
2,811,288 2,387,331
730,574 676,134
3,541,862 3,063,465
522,052 350,274
11,933,466 11,026,331
124
2015 12 31
( )
1.3
2015 2014
12 31 12 31
11,599,446 10,814,697
154,502 87,137
179,518 124,497
11,933,466 11,026,331
(280,654) (257,581)
11,652,812 10,768,750
2015 12 31 2014 12 31
3,209,224 38,155 3,247,379 3,082,321 41,084 3,123,405
1,425,870 119,735 1,545,605 1,394,854 64,417 1,459,271
5,131,186 189,839 5,321,025 4,740,077 106,667 4,846,744
1,454,131 31,306 1,485,437 1,359,527 25,750 1,385,277
11,220,411 379,035 11,599,446 10,576,779 237,918 10,814,697
2015 12 31 2014 12 31
1 68,926 15,913 84,839 33,068 14,004 47,072
1-2 22,052 7,870 29,922 14,428 6,891 21,319
2-3 30,099 9,642 39,741 10,977 7,769 18,746
121,077 33,425 154,502 58,473 28,664 87,137
118,814 65,453 184,267 57,332 54,452 111,784
125
2015 12 31
( )
2015 12 31
437.71 2014 12 31 289.25
2015 2014
12 31 12 31
4,557 4,579
1,942 2,061
36.90
2014 20.30
126
2015 12 31
( )
1.4
2015 12 31
85,000 1,608,648 179,759 5,512 1,878,919
15,090 1,159,165 327,141 11,696 1,513,092
1,500 17,726 93,269 5,179 117,674
171,997 52,573 360,194 83,459 668,223
40,572 32,244 442,169 48,843 563,828
314,159 2,870,356 1,402,532 154,689 4,741,736
- (3) - - (3)
314,159 2,870,353 1,402,532 154,689 4,741,733
(1)
- 92 - - 92
- - 434 - 434
- 92 434 - 526
- (92) (293) - (385)
- - 141 - 141
314,159 2,870,353 1,402,673 154,689 4,741,874
127
2015 12 31
( )
2014 12 31
87,486 1,231,741 136,276 2,636 1,458,139
15,090 1,275,337 367,455 29,909 1,687,791
1,500 21,125 93,488 3,213 119,326
167,278 16,666 170,885 22,381 377,210
47,564 21,468 404,755 77,411 551,198
318,918 2,566,337 1,172,859 135,550 4,193,664
(1)
- 78 - - 78
- 117 75 - 192
- 195 75 - 270
- (142) - - (142)
- 53 75 - 128
318,918 2,566,390 1,172,934 135,550 4,193,792
(1)
2.
128
2015 12 31
( )
2015 12 31
2015 12 31
/ 3
1 1 3 1 1 5 5
(3)
471,606 - - - - - 2,588,027 3,059,633
(1) 206,836 1,091,447 153,808 197,090 30,904 41 - 1,680,126
534 13,751 30,780 90,968 186,446 15,983 4,810 343,272
681 11,116 12,841 31,758 18,134 4,340 - 78,870
68,278 755,892 739,152 2,918,622 2,881,766 4,139,152 149,950 11,652,812
- 76,663 143,678 202,717 756,479 250,589 14,069 1,444,195
- 14,595 56,360 566,380 1,411,705 821,313 - 2,870,353
- 6,374 7,452 39,278 176,010 123,029 - 352,143
- - - - - - 24,185 24,185
- - - - - - 221,502 221,502
270,430 51,295 9,188 53,048 23,629 33,018 42,081 482,689
1,018,365 2,021,133 1,153,259 4,099,861 5,485,073 5,387,465 3,044,624 22,209,780
- - 20 30 160 - - 210
(2) 1,541,535 590,578 178,260 210,401 45,149 37,128 - 2,603,051
59,151 81,382 122,790 22,124 17,267 1,213 - 303,927
512 11,467 12,890 28,555 17,170 6,232 - 76,826
- 35,579 53,158 77,938 16,234 443 - 183,352
8,515,746 891,898 1,241,541 3,574,017 2,055,662 3,075 - 16,281,939
- 9,880 11,789 17,054 72,154 195,745 - 306,622
287,242 77,754 73,697 143,495 64,250 6,896 - 653,334
10,404,186 1,698,538 1,694,145 4,073,614 2,288,046 250,732 - 20,409,261
(9,385,821) 322,595 (540,886) 26,247 3,197,027 5,136,733 3,044,624 1,800,519
(1)
(2)
(3)
129
2015 12 31
( )
2014 12 31
2014 12 31
/ 3
1 1 3 1 1 5 5
(3)
538,177 - - - - - 2,985,445 3,523,622
(1) 362,407 645,635 113,831 99,055 30,310 - - 1,251,238
795 19,180 42,882 149,679 115,557 14,192 4,543 346,828
- 4,496 5,525 10,483 2,524 1,020 - 24,048
37,605 747,392 865,101 2,631,307 2,697,265 3,690,574 99,506 10,768,750
- 28,303 59,337 179,826 673,001 236,064 11,757 1,188,288
- 10,995 70,285 207,616 1,574,312 703,130 52 2,566,390
- - 4,540 28,597 63,828 232,163 2,603 331,731
- - - - - - 28,919 28,919
- - - - - - 196,238 196,238
174,503 24,360 18,882 58,129 27,051 37,089 43,887 383,901
1,113,487 1,480,361 1,180,383 3,364,692 5,183,848 4,914,232 3,372,950 20,609,953
- - 295 150 186 - - 631
(2) 922,373 494,320 264,540 191,326 15,779 31,858 - 1,920,196
53,267 206,035 265,024 58,708 6,351 - - 589,385
- 4,210 5,639 10,612 2,731 999 - 24,191
- 33,936 53,404 66,727 21,738 443 - 176,248
7,908,683 999,881 1,291,090 3,361,635 1,958,020 37,292 - 15,556,601
- 4,606 11,189 13,091 46,806 203,898 - 279,590
187,518 63,224 72,135 141,568 49,964 11,398 - 525,807
9,071,841 1,806,212 1,963,316 3,843,817 2,101,575 285,888 - 19,072,649
(7,958,354) (325,851) (782,933) (479,125) 3,082,273 4,628,344 3,372,950 1,537,304
(1)
(2)
(3)
130
2015 12 31
( )
2015 12 31
2015 12 31
/ 3
1 1 3 1 1 5 5
(4)
471,606 - 3,480 - - - 2,588,027 3,063,113
(1) 206,837 1,093,314 155,711 202,647 34,250 50 - 1,692,809
534 13,794 31,027 93,007 188,734 18,605 4,810 350,511
(2) 69,484 815,009 878,558 3,407,083 4,481,120 5,903,532 235,756 15,790,542
- 76,954 145,985 207,415 766,951 251,058 14,104 1,462,467
- 15,089 58,845 587,739 1,464,644 847,675 - 2,973,992
- 6,418 7,682 40,785 182,975 126,794 - 364,654
222,918 33,767 5,282 7,374 5,815 508 2,242 277,906
971,379 2,054,345 1,286,570 4,546,050 7,124,489 7,148,222 2,844,939 25,975,994
- - 20 31 160 - - 211
(3) 1,541,557 592,445 180,183 214,820 47,487 37,141 - 2,613,633
59,200 81,491 123,294 22,503 19,300 1,240 - 307,028
- 35,766 53,905 79,441 17,207 522 - 186,841
8,516,764 893,282 1,264,680 3,632,057 2,128,421 3,457 - 16,438,661
- 9,987 12,784 25,980 106,603 250,514 - 405,868
196,112 9,825 2,497 3,387 34,126 30,908 - 276,855
10,313,633 1,622,796 1,637,363 3,978,219 2,353,304 323,782 - 20,229,097
- 557 (105) (37) 67 37 - 519
55,558 1,234,460 752,515 1,592,386 267,045 35,759 - 3,937,723
(55,435) (1,235,452) (754,756) (1,587,293) (264,255) (36,900) - (3,934,091)
123 (992) (2,241) 5,093 2,790 (1,141) - 3,632
(1)
(2)
(3)
(4)
131
2015 12 31
( )
2014 12 31
2014 12 31
/ 3
1 1 3 1 1 5 5
(4)
538,177 - 4,030 - - - 2,985,445 3,527,652
(1) 362,978 689,319 122,273 104,080 32,303 - - 1,310,953
795 19,540 45,064 153,910 123,598 14,669 4,543 362,119
(2) 38,313 819,226 1,039,168 3,217,940 4,643,923 5,658,407 151,851 15,568,828
- 32,151 69,229 216,053 786,189 274,815 11,757 1,390,194
- 16,362 85,695 284,772 1,813,636 866,579 52 3,067,096
- 97 5,156 39,082 96,417 257,051 2,603 400,406
146,900 19,800 4,564 3,964 150 62 8,259 183,699
1,087,163 1,596,495 1,375,179 4,019,801 7,496,216 7,071,583 3,164,510 25,810,947
- - 296 153 203 - - 652
(3) 922,652 495,736 266,186 196,947 18,295 33,683 - 1,933,499
53,267 206,447 265,981 59,683 6,992 - - 592,370
- 34,189 53,902 68,015 22,453 536 - 179,095
7,910,143 1,002,203 1,307,264 3,450,308 2,085,875 46,026 - 15,801,819
- 4,627 11,510 20,991 79,094 260,034 - 376,256
67,980 28,138 27,609 37,415 17,277 6,991 5,815 191,225
8,954,042 1,771,340 1,932,748 3,833,512 2,230,189 347,270 5,815 19,074,916
- 6 5 11 (42) 43 - 23
- 687,144 660,772 882,747 94,650 4,456 - 2,329,769
- (683,700) (661,258) (884,026) (94,173) (4,454) - (2,327,611)
- 3,444 (486) (1,279) 477 2 - 2,158
(1)
(2)
(3)
(4)
132
2015 12 31
( )
2015 12 31
3
1 1 3 1 1 5 5
719,327 151,167 249,287 480,940 554,572 142,591 2,297,884
2014 12 31
3
1 1 3 1 1 5 5
692,629 156,397 257,582 610,824 429,940 194,751 2,342,123
133
2015 12 31
( )
3.
“VaR”
VaR
3.1 VaR
VaR
250
99% 1
2015
55 46 72 21
63 64 141 34
13 17 41 4
81 90 156 60
134
2015 12 31
( )
2014
32 24 60 8
55 39 65 17
9 12 20 6
72 46 90 24
(1) 1
1
(2)
99%
(3)
3.2
135
2015 12 31
( )
2015 2014 2015 2014
100 (5,926) (1,635) (38,609) (30,483)
100 5,926 1,635 41,729 32,354
136
2015 12 31
( )
2015 12 31
2015 12 31
3
3 1 1 5 5
2,672,292 - - - 387,341 3,059,633
(1) 1,438,201 197,465 27,608 41 16,811 1,680,126
50,856 91,493 179,673 15,906 5,344 343,272
- - - - 78,870 78,870
6,897,524 4,333,873 188,200 130,887 102,328 11,652,812
262,942 205,025 715,410 246,889 13,929 1,444,195
166,085 624,950 1,269,834 809,484 - 2,870,353
18,593 39,399 173,134 121,017 - 352,143
- - - - 24,185 24,185
- - - - 221,502 221,502
10,045 225 - - 472,419 482,689
11,516,538 5,492,430 2,553,859 1,324,224 1,322,729 22,209,780
20 30 160 - - 210
(2) 2,332,698 234,978 13,113 6,805 15,457 2,603,051
204,160 21,682 15,953 - 62,132 303,927
- - - - 76,826 76,826
107,758 66,575 8,576 443 - 183,352
10,316,969 3,563,821 2,052,611 3,075 345,463 16,281,939
33,046 16,674 63,223 193,679 - 306,622
3,371 150 617 623 648,573 653,334
12,998,022 3,903,910 2,154,253 204,625 1,148,451 20,409,261
(1,481,484) 1,588,520 399,606 1,119,599
(1)
(2)
137
2015 12 31
( )
2014 12 31
2014 12 31
3
3 1 1 5 5
3,097,706 - - - 425,916 3,523,622
(1) 1,117,192 101,192 27,269 - 5,585 1,251,238
63,415 149,823 114,080 14,172 5,338 346,828
- - - - 24,048 24,048
6,336,158 4,053,430 159,555 146,863 72,744 10,768,750
125,630 189,220 628,281 233,475 11,682 1,188,288
206,446 301,331 1,396,025 662,588 - 2,566,390
4,540 43,687 50,549 232,955 - 331,731
- - - - 28,919 28,919
- - - - 196,238 196,238
2,518 9,153 - - 372,230 383,901
10,953,605 4,847,836 2,375,759 1,290,053 1,142,700 20,609,953
295 150 186 - - 631
(2) 1,675,165 193,198 15,158 30,487 6,188 1,920,196
471,059 58,708 6,351 - 53,267 589,385
- - - - 24,191 24,191
103,831 64,932 7,042 443 - 176,248
9,727,351 3,360,963 1,953,002 34,420 480,865 15,556,601
23,343 21,977 32,344 201,926 - 279,590
- - - - 525,807 525,807
12,001,044 3,699,928 2,014,083 267,276 1,090,318 19,072,649
(1,047,439) 1,147,908 361,676 1,022,777
(1)
(2)
138
2015 12 31
( )
3.3
2015 2014 2015 2014
-1% 75 (42) (280) (184)
-1% 402 572 (795) (585)
1%
139
2015 12 31
( )
2015 12 31
2015 12 31
( ) ( ) ( ) ( )
2,892,981 72,522 19,253 74,877 3,059,633
(1) 1,226,502 373,998 14,612 65,014 1,680,126
325,536 11,906 305 5,525 343,272
26,643 37,476 6,736 8,015 78,870
10,629,123 714,769 171,499 137,421 11,652,812
1,280,872 121,069 2,172 40,082 1,444,195
2,790,975 44,587 14,496 20,295 2,870,353
352,143 - - - 352,143
231 352 1,508 22,094 24,185
136,210 83,526 582 1,184 221,502
277,136 96,073 9,135 100,345 482,689
19,938,352 1,556,278 240,298 474,852 22,209,780
50 - - 160 210
(2) 1,829,716 624,804 22,891 125,640 2,603,051
233,169 11,249 - 59,509 303,927
26,349 34,905 7,610 7,962 76,826
40,813 108,770 7,211 26,558 183,352
15,435,986 515,515 202,105 128,333 16,281,939
196,986 89,408 2,485 17,743 306,622
564,520 73,183 5,548 10,083 653,334
18,327,589 1,457,834 247,850 375,988 20,409,261
/ 1,610,763 98,444 (7,552) 98,864 1,800,519
1,840,354 355,858 25,449 76,223 2,297,884
(1)
(2)
140
2015 12 31
( )
2014 12 31
2014 12 31
( ) ( ) ( ) ( )
3,437,427 37,638 22,551 26,006 3,523,622
(1) 773,517 407,649 22,996 47,076 1,251,238
345,126 678 200 824 346,828
6,730 12,517 3,157 1,644 24,048
9,743,072 780,538 148,227 96,913 10,768,750
1,071,624 80,940 8,618 27,106 1,188,288
2,533,163 17,562 4,563 11,102 2,566,390
331,731 - - - 331,731
170 870 1,424 26,455 28,919
149,675 44,651 542 1,370 196,238
238,918 36,734 2,553 105,696 383,901
18,631,153 1,419,777 214,831 344,192 20,609,953
219 - - 412 631
(2) 1,270,960 532,625 10,405 106,206 1,920,196
529,931 6,227 - 53,227 589,385
3,948 14,609 3,477 2,157 24,191
57,040 90,490 9,793 18,925 176,248
14,798,876 403,863 231,560 122,302 15,556,601
221,052 39,353 3,891 15,294 279,590
474,466 32,883 5,993 12,465 525,807
17,356,492 1,120,050 265,119 330,988 19,072,649
/ 1,274,661 299,727 (50,288) 13,204 1,537,304
1,773,168 427,876 87,527 53,552 2,342,123
(1)
(2)
141
2015 12 31
( )
4.
2013 1 1
2014 4
2018
8.50% 9.50%
11.50%
7.50% 8.50% 10.50%
142
2015 12 31
( )
2015 2014
12 31 12 31
1,713,160 1,498,403
356,407 353,495
151,963 144,874
178,040 150,752
246,356 221,622
781,853 650,308
4,340 2,191
(5,799) (24,839)
11,665 11,670
8,478 8,487
( ) 1,356 1,279
(3,869) (3,796)
5,700 5,700
1,701,495 1,486,733
79,567 34,500
79,375 34,428
192 72
1,781,062 1,521,233
143
2015 12 31
( )
2015 2014
12 31 12 31
244,641 306,704
180,242 187,829
63,398 118,633
1,001 242
13,600 15,800
13,600 15,800
2,012,103 1,812,137
(1) 13,216,687 12,475,939
12.87% 11.92%
13.48% 12.19%
15.22% 14.53%
(1)
144
2015 12 31
( )
-
Heston
145
2015 12 31
( )
1.
2015 12 31
373 - - 373
14,808 117,657 - 132,465
15,181 117,657 - 132,838
824 21,400 - 22,224
- 6,300 - 6,300
- 534 181,376 181,910
824 28,234 181,376 210,434
102 36,277 228 36,607
25 26,249 715 26,989
8,662 6,511 101 15,274
8,789 69,037 1,044 78,870
12,331 134 626 13,091
130,441 1,266,712 5,520 1,402,673
- 27,593 - 27,593
142,772 1,294,439 6,146 1,443,357
167,566 1,509,367 188,566 1,865,499
- 205,531 - 205,531
- 27,521 - 27,521
- 55,871 - 55,871
1,947 6,549 - 8,496
144 4,153 2,211 6,508
2,091 299,625 2,211 303,927
116 38,575 234 38,925
3 26,052 2,181 28,236
6,244 3,366 55 9,665
6,363 67,993 2,470 76,826
8,454 367,618 4,681 380,753
146
2015 12 31
( )
2014 12 31
383 - - 383
102 33,888 - 33,990
485 33,888 - 34,373
377 101,183 - 101,560
- 71,096 - 71,096
- 795 139,004 139,799
377 173,074 139,004 312,455
- 18,093 1,140 19,233
- 1,640 770 2,410
86 2,287 32 2,405
86 22,020 1,942 24,048
9,875 710 304 10,889
80,841 1,078,241 13,852 1,172,934
- 3,672 - 3,672
90,716 1,082,623 14,156 1,187,495
91,664 1,311,605 155,102 1,558,371
- 312,336 - 312,336
- 217,431 - 217,431
- 53,227 - 53,227
- 6,227 - 6,227
- 164 - 164
- 589,385 - 589,385
- 19,102 1,319 20,421
- 1,661 726 2,387
25 1,324 34 1,383
25 22,087 2,079 24,191
25 611,472 2,079 613,576
147
2015 12 31
( )
2015 12 31
- 115,950 - 115,950
- 115,950 - 115,950
773 21,236 - 22,009
- 6,300 - 6,300
- 534 177,439 177,973
773 28,070 177,439 206,282
- 27,695 208 27,903
- 1,146 530 1,676
- 3,674 37 3,711
- 32,515 775 33,290
1,433 - - 1,433
71,517 1,224,821 565 1,296,903
72,950 1,224,821 565 1,298,336
73,723 1,401,356 178,779 1,653,858
- 205,531 - 205,531
- 27,521 - 27,521
- 55,866 - 55,866
1,947 6,549 - 8,496
1,947 295,467 - 297,414
- 30,074 208 30,282
- 1,330 530 1,860
- 986 16 1,002
- 32,390 754 33,144
1,947 327,857 754 330,558
148
2015 12 31
( )
2014 12 31
64 32,801 - 32,865
64 32,801 - 32,865
208 101,183 - 101,391
- 71,096 - 71,096
- 795 137,116 137,911
208 173,074 137,116 310,398
- 16,974 1,149 18,123
- 1,021 770 1,791
- 2,346 32 2,378
- 20,341 1,951 22,292
1,965 - - 1,965
41,497 1,040,305 5,617 1,087,419
43,462 1,040,305 5,617 1,089,384
43,734 1,266,521 144,684 1,454,939
- 312,336 - 312,336
- 217,431 - 217,431
- 53,223 - 53,223
- 6,227 - 6,227
- 589,217 - 589,217
- 17,646 1,263 18,909
- 1,337 721 2,058
- 1,323 34 1,357
- 20,306 2,018 22,324
- 609,523 2,018 611,541
149
2015 12 31
( )
2.
2015 2015
1 1 12 31
1,140 (153) - 149 - (855) (53) 228
770 (113) - 121 - (6) (57) 715
32 38 - 34 - (3) - 101
1,942 (228) - 304 - (864) (110) 1,044
139,004 8,411 - 83,053 (49,092) - - 181,376
13,852 334 48 4,172 (218) (12,668) - 5,520
304 - 322 - - - - 626
155,102 8,517 370 87,529 (49,310) (13,532) (110) 188,566
- 202 - (2,413) - - - (2,211)
(1,319) 173 - (205) - 1,012 105 (234)
(726) (746) - (725) - 14 2 (2,181)
(34) 28 - (378) - 329 - (55)
(2,079) (343) - (3,721) - 1,355 107 (4,681)
150
2015 12 31
( )
2014 2014
1 1 12 31
508 949 - - - (317) - 1,140
552 321 - - - (52) (51) 770
52 (19) - - - (1) - 32
1,112 1,251 - - - (370) (51) 1,942
140,566 6,857 - 43,793 (52,212) - - 139,004
3,141 (142) 136 13,256 (244) (2,295) - 13,852
- - - 304 - - - 304
144,819 7,966 136 57,353 (52,456) (2,665) (51) 155,102
(650) (1,096) - - - 422 5 (1,319)
(552) (236) - - - 59 3 (726)
(52) 18 - - - - - (34)
(1,254) (1,314) - - - 481 8 (2,079)
151
2015 12 31
( )
2015 2015
1 1 12 31
1,149 6 - - - (864) (83) 208
770 (177) - - - (6) (57) 530
32 8 - - - (3) - 37
1,951 (163) - - - (873) (140) 775
137,116 8,075 - 81,340 (49,092) - - 177,439
5,617 (62) 16 200 (218) (4,988) - 565
144,684 7,850 16 81,540 (49,310) (5,861) (140) 178,779
(1,263) (6) - - - 961 100 (208)
(721) 176 - - - 11 4 (530)
(34) 13 - - - 5 - (16)
(2,018) 183 - - - 977 104 (754)
152
2015 12 31
( )
2014 2014
1 1 12 31
497 959 - - - (307) - 1,149
552 321 - - - (52) (51) 770
51 (19) - - - - - 32
1,100 1,261 - - - (359) (51) 1,951
140,566 6,857 - 41,905 (52,212) - - 137,116
2,472 (90) 112 5,418 - (2,295) - 5,617
144,138 8,028 112 47,323 (52,212) (2,654) (51) 144,684
(506) (1,049) - - - 287 5 (1,263)
(548) (233) - - - 57 3 (721)
(52) 18 - - - - - (34)
(1,106) (1,264) - - - 344 8 (2,018)
153
2015 12 31
( )
2015
6,754 1,420 8,174 6,483 1,550 8,033
2014
5,668 984 6,652 5,720 1,044 6,764
3.
(1)
(2)
154
2015 12 31
( )
4.
2015 12 31
5.
2015 12 31
2,870,353 2,944,661 56,841 2,654,913 232,907
352,143 353,223 - 109,005 244,218
3,222,496 3,297,884 56,841 2,763,918 477,125
195,553 215,581 - 215,581 -
195,553 215,581 - 215,581 -
2014 12 31
2,566,390 2,568,458 26,454 2,309,962 232,042
331,731 331,582 - 74,635 256,947
2,898,121 2,900,040 26,454 2,384,597 488,989
196,662 197,702 - 197,702 -
9,485 14,264 14,264 - -
206,147 211,966 14,264 197,702 -
155
2015 12 31
( )
2015 12 31
2,813,091 2,887,836 19,943 2,637,893 230,000
338,839 339,918 - 121,305 218,613
3,151,930 3,227,754 19,943 2,759,198 448,613
181,092 192,431 - 192,431 -
181,092 192,431 - 192,431 -
2014 12 31
2,548,977 2,550,726 5,464 2,304,662 240,600
319,108 318,959 - 74,635 244,324
2,868,085 2,869,685 5,464 2,379,297 484,924
187,024 187,711 - 187,711 -
9,485 14,264 14,264 - -
196,509 201,975 14,264 187,711 -
(1)
(2)
(3)
156
2015 12 31
( )
1.
2015 12
31 34.60% 2014 12 31 34.88%
2015 2014
12 31 12 31
834,549 1,037,908
2015 2014
48,340 150,024
89,719 123,113
29,169 29,323
% %
2.16 6.34 2.25 6.34
157
2015 12 31
( )
2.
2015 12 31
34.71% 2014 12 31 35.12%
2003 12 16
8,282.09 8,282.09
2015 12 31 169.1
2014 12 31 216.3 3 30 3.16%
4.20%
2015 2014
12 31 12 31
16,897 20,821
200 239
22,765 16,506
21 26
5,000 -
2015 2014
722 731
662 273
515 -
% %
3.16 4.20 3.14 4.20
0.01 2.99 0.01 3.30
158
2015 12 31
( )
2015 12 31
2015 2014
12 31 12 31
870,280 973,027
76,449 82,410
2,366 -
814 537
158,662 143,845
833 425
14,945 3,415
2015 2014
32,756 38,975
263 380
16 -
1,666 2,193
% %
0.50 6.50 0.0331 6.50
0 6.20 0 6.00
0.70 3.80 -
0 5.45 0 7.20
159
2015 12 31
( )
3.
11
2015 2014
12 31 12 31
19,827 13,768
362,556 195,574
31,906 18,308
3,169 1,653
385,187 210,237
1,893 1,984
4,496 -
11,689 -
12,500 -
109,424 127,089
2015 2014
55 71
779 538
91 61
616 386
106 345
881 396
% %
0.73 4.50 0.0125 1.56
0 8.00 0 5.65
0.05 6.46 1.84 6.40
0.01 9.00 0.01 6.98
160
2015 12 31
( )
4.
11
2015 2014
12 31 12 31
1,062 62
329 106
2,242 -
11,957 566
66 40
2,003 -
305 10
2015 2014
65 -
5 2
129 8
% %
0 8.99 0.15 0.35
1.61 2.69 2.23 2.68
0 4.51 0.35 1.60
0 0.45 0 0.68
161
2015 12 31
( )
2015 2014
12 31 12 31
16 -
2015 2014
- -
% %
0.35 1.15 -
5.
2015 2014
10,435 26,908
512 516
10,947 27,424
2014
2014
162
2015 12 31
( )
2015
2015 2014
- -
2015 12 31
686 2014 12 31 54
6.
2014 12 31
2,736
2016 3 30
0.2333 2015
12 31 831.50
163
2015 12 31
( )
1.
2015
346,828 2,247 - - 343,272
24,048 54,889 221 - 78,870
1,187,495 - 41,131 4 1,443,357
1,558,371 57,136 41,352 4 1,865,499
(589,385) 530 - - (303,927)
(24,191) (52,544) (122) - (76,826)
(613,576) (52,014) (122) - (380,753)
2014
372,556 3,208 - - 346,828
25,020 (969) 288 - 24,048
999,999 - 5,853 (163) 1,187,495
1,397,575 2,239 6,141 (163) 1,558,371
(553,607) (2,643) - - (589,385)
(19,168) (5,041) (31) - (24,191)
(572,775) (7,684) (31) - (613,576)
164
2015 12 31
( )
2.
2015
1,702 235 - - 17,736
17,318 34,976 221 - 52,227
1,025,678 - - 69 1,023,689
116,664 - 3,818 22 163,323
33,227 - - 50 79,378
1,194,589 35,211 4,039 141 1,336,353
(59,454) 2 - - (70,758)
(20,243) (30,143) (122) - (50,477)
(79,697) (30,141) (122) - (121,235)
2014
1,628 (7) - - 1,702
11,352 5,970 288 - 17,318
916,147 - - (4,636) 1,025,678
93,543 - 1,514 (163) 116,664
9,554 - - (3) 33,227
1,032,224 5,963 1,802 (4,802) 1,194,589
(61,891) 40 - - (59,454)
(11,840) (8,421) (31) - (20,243)
(73,731) (8,381) (31) - (79,697)
165
2015 12 31
( )
3. 20%
2013 4 2
20%
2014 2 27 2015 4 1
2015
10 1
20%
2016 3 30
166
2015 12 31
( )
1.
1
– 2008
2015 2014
771 502
909 979
487 -
1,533 519
(954) (561)
2,746 1,439
2,664 1,436
82 3
167
2015 12 31
( )
2.
2015 2014
2015 12 31 2014 12 31
3.
2015
%
274,800 17.10 0.77 0.77
272,136 16.93 0.76 0.76
2014
%
275,811 19.96 0.78 0.78
274,375 19.86 0.78 0.78
2015 2014
12 31 12 31
1,710,099 1,496,431
1,607,049 1,381,641
9 — 2010
2015
168
2015 12 31
( )
4.
[2013]33 2
(1)
2015 2014
12 31 12 31
1 356,407 353,495 X18
2 1,206,249 1,022,682
2a 178,040 150,752 X21
2b 246,356 221,622 X22
2c 781,853 650,308 X23
3 146,164 120,035
3a 151,963 144,874 X19
3b (5,799) (24,839) X24
4
0 - -
5 4,340 2,191 X25
6 1,713,160 1,498,403
7 - -
8 8,478 8,487 X16
9
1,356 1,279 X14-X15
10
- -
11
(3,869) (3,796) X20
12 - -
13 - -
14
- -
15
- -
16 - -
17
- -
18
- -
169
2015 12 31
( )
2015 2014
12 31 12 31
19
- -
20
21
- -
22
15% - -
23
- -
24
25
- -
26a
5,700 5,700 X11
26b
- -
26c
- -
27
- -
28 11,665 11,670
29 1,701,495 1,486,733
170
2015 12 31
( )
2015 2014
12 31 12 31
30 79,375 34,428
31 79,375 34,428 X28
32 - -
33
- -
34 192 72 X26
35
- -
36 79,567 34,500
37
- -
38
- -
39
- -
40
- -
41a
- -
41b
- -
41c
- -
42 - -
43 - -
44 79,567 34,500
45
+ 1,781,062 1,521,233
46 180,242 187,829 X17
47 144,158 164,752
48 1,001 242 X27
49
- -
50 63,398 118,633 X02+X04
51 244,641 306,704
171
2015 12 31
( )
2015 2014
12 31 12 31
52 - -
53
- -
54
- -
55
13,600 15,800 X10
56a
- -
56b
- -
56c - -
57 13,600 15,800
58 231,041 290,904
59 + 2,012,103 1,812,137
60 13,216,687 12,475,939
61 12.87% 11.92%
62 13.48% 12.19%
63 15.22% 14.53%
64 3.5% 3.5%
65 2.5% 2.5%
66 - -
67
1% 1%
68
7.87% 6.92%
69 5% 5%
70 6% 6%
71 8% 8%
172
2015 12 31
( )
2015 2014
12 31 12 31
72
48,007 33,067 X05+X06+
X08+X09+X12
73
21,669 26,658 X07+X13
74
75
20,313 24,569
76
17,829 15,541 X01
77
5,381 9,684 X02
78
262,825 242,040 X03
79
58,017 108,949 X04
80
- -
81
- -
82
- -
83
- -
84
144,158 164,752
85
15,311 17,932
173
2015 12 31
( )
(2)
2015 2015 2014 2014
12 31 12 31 12 31 12 31
3,059,633 3,059,633 3,523,622 3,523,622
211,559 204,607 304,273 298,128
114,619 114,619 95,950 95,950
472,234 472,234 478,503 478,503
343,272 343,246 346,828 346,765
78,870 78,870 24,048 24,048
996,333 996,333 468,462 468,452
11,652,812 11,652,264 10,768,750 10,767,798
1,444,195 1,421,231 1,188,288 1,176,369
2,870,353 2,869,642 2,566,390 2,565,606
352,143 326,339 331,731 319,108
24,185 29,885 28,919 34,619
195,401 195,357 171,434 171,393
26,101 26,101 24,804 24,784
21,066 21,066 24,758 24,758
347,004 337,210 263,193 256,829
22,209,780 22,148,637 20,609,953 20,576,732
210 210 631 631
1,788,267 1,788,267 1,106,776 1,106,776
477,593 477,593 432,463 432,463
303,927 303,916 589,385 589,346
76,826 76,826 24,191 24,191
337,191 329,896 380,957 377,037
183,352 183,352 176,248 176,248
16,281,939 16,283,105 15,556,601 15,559,727
31,717 31,470 28,148 27,982
75,234 75,201 72,278 72,207
306,622 306,622 279,590 279,590
995 754 451 189
545,388 496,583 424,930 396,907
20,409,261 20,353,795 19,072,649 19,043,294
356,407 356,407 353,495 353,495
79,375 79,375 34,428 34,428
79,375 79,375 34,428 34,428
151,963 151,963 144,874 144,874
(4,655) (5,799) (24,548) (24,839)
178,040 178,040 150,752 150,752
246,356 246,356 221,622 221,622
781,988 781,853 650,236 650,308
1,789,474 1,788,195 1,530,859 1,530,640
11,045 6,647 6,445 2,798
1,800,519 1,794,842 1,537,304 1,533,438
174
2015 12 31
( )
(3)
2015 12 31
11,652,264
11,932,918
17,829 X01
5,381 X02
262,825 X03
58,017 X04
1,421,231
1,255,097
6,102 X05
160,022
6,112
750 X06
50 X07
2,869,642
2,420 X08
326,339
38,640 X09
13,600 X10
29,885
5,700 X11
95 X12
21,619 X13
175
2015 12 31
( )
2015 12 31
337,210
108,200
21,202 X14
19,846 X15
155,565
8,478 X16
4,891
6,772
32,102
306,622
180,242 X17
356,407 X18
79,375
79,375 X28
151,963 X19
(5,799) X24
28,811
(3,926)
(3,869) X20
421
(31,105)
178,040 X21
246,356 X22
781,853 X23
6,647
4,340 X25
192 X26
1,001 X27
176
2015 12 31
( )
(4)
601398 1398 4603 4604 84602 360011
/ / / / / / /
339,120 169,200 17,928 4,542 11,958 44,947
269,612 86,795 2,940 600 12,000 45,000
2006 10 19 2006 10 19 2014 12 10 2014 12 10 2014 12 10 2015 11 18
177
2015 12 31
( )
178
2015 12 31
( )
179
2015 12 31
( )
ISIN:XS0976879279 1428009 144A ISIN
BBGID:BBG005CMF4N6 US455881AD47
S ISIN
USY39656AC06
/
/ / /
3,247 19,995 12,842
500 20,000 2,000
2013 10 10 2014 8 4 2015 9 21
2023 10 10 2024 8 5 2025 9 21
2018 10 10 2019 8 5
/
4.50% 5.80% 4.875%
(i)
(ii)
180
2015 12 31
( )
181
2015 12 31
( )
5.
2015
1 3
2015 12 31
1 22,209,780
2 (61,143)
3 -
4 35,523
5 38,855
6 1,602,642
7 (11,665)
8 23,813,992
2015 12 31
1 21,377,922
2 (11,665)
3
21,366,257
4 39,582
5 49,149
6 -
7 -
8
(10,325)
9 56,396
10 (20,409)
11 114,393
12 691,845
13 -
14 38,855
15 -
16 730,700
17 3,027,744
18 (1,425,102)
19 1,602,642
20 1,781,062
21 23,813,992
22 7.48%
182
2015 12 31
( )
6.
2015
1 4,621,436
2 8,481,222 841,342
3 125,144 5,734
4 8,356,078 835,608
5 9,854,773 3,379,022
6 5,772,357 1,416,657
7 3,933,161 1,813,110
8 149,255 149,255
9 40,147
10 1,548,661 129,974
11 5,410 5,410
12 - -
13 1,543,251 124,564
14 37,985 37,985
15 804,157 18,138
16 4,446,608
17 992,305 451,111
18 1,299,797 873,360
19 41,914 30,924
20 2,334,016 1,355,395
21 4,621,436
22 3,091,213
23 % (1) 149.51%
(1)
183