INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED
1398
4620
2022
2022 12
31
1.
1.1
A 601398
H 1398
ICBC 20USDPREF 4620
1 360011
2 360036
1.2
55
86-10-66108608
86-10-66107571
ir@icbc.com.cn
1
2.
2.1
2022 2021 2020 2019 2018
693,687 690,680 646,765 632,217 593,677
129,265 133,024 131,215 130,573 124,394
841,441 860,880 800,075 776,002 725,121
240,884 236,227 206,585 207,776 194,203
182,419 202,623 202,668 178,957 161,594
418,138 422,030 390,822 389,269 369,324
422,565 424,899 392,126 391,789 372,413
361,038 350,216 317,685 313,361 298,723
360,483 348,338 315,906 312,224 297,676
1,404,657 360,882 1,557,616 481,240 529,911
39,609,657 35,171,383 33,345,058 30,109,436 27,699,540
23,212,312 20,667,245 18,624,308 16,761,319 15,419,905
13,826,966 12,194,706 11,102,733 9,955,821 9,418,894
8,236,561 7,944,781 7,115,279 6,383,624 5,636,574
1,148,785 527,758 406,296 421,874 364,437
(1)
672,762 603,983 531,161 478,730 413,177
10,527,292 9,257,760 8,591,139 7,647,117 6,754,692
36,095,831 31,896,125 30,435,543 27,417,433 25,354,657
29,870,491 26,441,774 25,134,726 22,977,655 21,408,934
14,671,154 13,331,463 12,944,860 12,028,262 11,481,141
14,545,306 12,497,968 11,660,536 10,477,744 9,436,418
199,465 250,349 261,389 234,852 268,914
454,566 361,994 267,941 236,797 222,461
3,185,564 2,921,029 2,784,259 2,266,573 1,814,495
3,495,171 3,257,755 2,893,502 2,676,186 2,330,001
356,407 356,407 356,407 356,407 356,407
(2)
3,121,080 2,886,378 2,653,002 2,457,274 2,232,033
(2)
3,475,995 3,241,364 2,872,792 2,657,523 2,312,143
(2)
4,281,079 3,909,669 3,396,186 3,121,479 2,644,885
(2)
22,225,272 21,690,349 20,124,139 18,616,886 17,190,992
(3)
8.81 8.15 7.48 6.93 6.30
0.97 0.95 0.86 0.86 0.82
0.97 0.95 0.86 0.86 0.82
(S&P)(4) A A A A A
(Moody’s)(4) A1 A1 A1 A1 A1
2
(1)
(2)
(3)
(4)
2.2
2022 2021 2020 2019 2018
(%)
(1)
0.97 1.02 1.00 1.08 1.11
(2)
11.43 12.15 11.95 13.05 13.79
(3)
1.73 1.92 1.97 2.12 2.20
(4)
1.92 2.11 2.15 2.30 2.36
(5)
1.64 1.68 1.64 1.75 1.81
15.36 15.45 16.40 16.83 17.15
(6)
27.43 26.36 24.76 25.79 25.71
(%)
(7)
1.38 1.42 1.58 1.43 1.52
(8)
209.47 205.84 180.68 199.32 175.76
(9)
2.90 2.92 2.85 2.86 2.68
(%)
(10)
14.04 13.31 13.18 13.20 12.98
(10)
15.64 14.94 14.28 14.27 13.45
(10)
19.26 18.02 16.88 16.77 15.39
8.87 9.31 8.73 8.94 8.47
56.11 61.67 60.35 61.83 62.06
(1)
(2) 9
2010
(3)
(4)
(5)
(6)
(7)
(8)
(9)
(10)
3
2.3
2022
226,858 216,930 207,331 190,322
90,633 80,873 94,316 94,661
1,207,219 203,186 432,146 (437,894)
2021
214,120 212,286 217,489 216,985
85,730 77,743 88,348 96,517
612,669 (235,123) 588,904 (605,568)
2.4
2022 12 31
3.
2022
19.26% 209.47% 8,000
1.38% 8
(ROA)0.97% (ROE)11.43%
(NIM)1.92%
12.6% 39.6 8,414 3.1% 3,610
4
6.4 2.6 4,283
300
5% APP
1,800
(GBC)
1,000 1,672 7.2
3.4
ESG
(D-ICBC)
8.0 e 5.0
5.16 1.74
ECOS
5
4.
4.1
2022
3,610.38
108.22 3.1% 0.97%
11.43% 8,414.41 2.3% 6,936.87
0.4% 1,477.54 13.2% 2,408.84 2.0%
27.43% 1,824.19 615.27
17.6%
2022 6,936.87 30.07 0.4%
82.4% 12,803.76 1,181.58 10.2% 5,866.89
1,151.51 24.4% 1.73% 1.92%
19
(LPR)
6
2022 2021
(%) (%)
22,248,094 900,149 4.05 19,996,414 832,136 4.16
9,001,876 298,722 3.32 7,999,530 262,827 3.29
(2)
2,991,645 45,425 1.52 2,888,381 42,027 1.46
(3)
1,866,884 36,080 1.93 1,772,522 25,228 1.42
36,108,499 1,280,376 3.55 32,656,847 1,162,218 3.56
2,520,529 2,659,895
(683,492) (574,932)
37,945,536 34,741,810
27,364,627 480,083 1.75 24,477,111 397,625 1.62
(3)
3,794,532 70,732 1.86 3,287,917 44,387 1.35
1,132,767 35,874 3.17 1,072,667 29,526 2.75
32,291,926 586,689 1.82 28,837,695 471,538 1.64
2,030,317 1,991,928
34,322,243 30,829,623
693,687 690,680
1.73 1.92
1.92 2.11
(1)
(2)
(3)
7
9,001.49 680.13 8.2%
11.3%
2022 2021
(%) (%)
4,739,296 156,708 3.31 4,045,145 142,549 3.52
17,508,798 743,441 4.25 15,951,269 689,587 4.32
22,248,094 900,149 4.05 19,996,414 832,136 4.16
2022 2021
(%) (%)
12,091,996 467,313 3.86 10,787,207 439,575 4.08
866,735 15,546 1.79 380,678 10,266 2.70
7,922,153 371,740 4.69 7,415,770 349,572 4.71
1,367,210 45,550 3.33 1,412,759 32,723 2.32
22,248,094 900,149 4.05 19,996,414 832,136 4.16
2,987.22 358.95 13.7%
12.5%
8
454.25 33.98 8.1%
360.80 108.52
43.0%
4,800.83 824.58 20.7%
11.8% 13
2022 2021
(%) (%)
5,803,074 150,011 2.59 4,929,388 121,230 2.46
7,405,878 68,024 0.92 7,133,857 58,618 0.82
13,208,952 218,035 1.65 12,063,245 179,848 1.49
7,742,072 223,607 2.89 6,337,635 189,118 2.98
5,407,007 17,007 0.31 5,091,927 18,678 0.37
13,149,079 240,614 1.83 11,429,562 207,796 1.82
1,006,596 21,434 2.13 984,304 9,981 1.01
27,364,627 480,083 1.75 24,477,111 397,625 1.62
9
707.32 263.45
59.4% 15.4%
358.74 63.48
21.5%
2022 1,477.54 224.46 13.2%
17.6% 1,292.65 37.59
2.8% 184.89 186.87 50.3%
2022 2021 (%)
45,439 41,270 4,169 10.1
26,253 30,001 (3,748) (12.5)
19,586 22,416 (2,830) (12.6)
17,736 16,679 1,057 6.3
14,172 15,165 (993) (6.5)
8,803 9,756 (953) (9.8)
8,709 8,738 (29) (0.3)
1,894 1,808 86 4.8
3,226 2,894 332 11.5
145,818 148,727 (2,909) (2.0)
16,553 15,703 850 5.4
129,265 133,024 (3,759) (2.8)
2022 1,292.65 37.59 2.8%
41.69
10.57
10
2022 2021 (%)
8,610 8,955 (345) (3.9)
6,315 16,440 (10,125) (61.6)
3,564 11,781 (8,217) (69.7)
18,489 37,176 (18,687) (50.3)
184.89 186.87 50.3%
2022 2021 (%)
143,501 139,363 4,138 3.0
29,034 28,822 212 0.7
10,100 9,318 782 8.4
3,721 3,125 596 19.1
54,528 55,599 (1,071) (1.9)
240,884 236,227 4,657 2.0
11
2022 1,824.19 202.04 10.0%
1,431.73 250.94 14.9%
44.27 15.58 54.3%
615.27 131.56 17.6% 14.56%
25%
4.2
2022 2021
(%) (%)
841,441 100.0 860,880 100.0
388,915 46.2 398,373 46.3
346,103 41.1 346,172 40.2
100,374 12.0 111,278 12.9
6,049 0.7 5,057 0.6
422,565 100.0 424,899 100.0
165,771 39.2 140,569 33.1
198,355 46.9 195,658 46.0
52,740 12.5 85,326 20.1
5,699 1.4 3,346 0.8
12
2022 2021
(%) (%)
841,441 100.0 860,880 100.0
84,257 10.0 135,419 15.8
148,527 17.7 136,544 15.9
113,459 13.5 107,474 12.5
153,822 18.3 145,660 16.9
114,809 13.6 105,357 12.2
130,802 15.5 126,799 14.7
29,214 3.5 29,582 3.4
66,551 7.9 74,045 8.6
422,565 100.0 424,899 100.0
257 0.1 58,031 13.6
98,133 23.2 83,920 19.8
59,687 14.1 59,699 14.1
95,094 22.5 64,383 15.2
60,079 14.2 47,115 11.1
61,841 14.6 65,477 15.4
11,878 2.8 1,259 0.3
35,596 8.5 45,015 10.5
4.3
2022
13
2022 396,096.57 44,382.74 12.6%
232,123.12 25,450.67
12.3% 105,272.92 12,695.32 13.7%
34,278.92 3,294.54 10.6%
2022 12 31 2021 12 31
(%) (%)
23,212,312 – 20,667,245 –
53,560 – 45,719 –
672,224 – 603,764 –
22,593,648 57.0 20,109,200 57.2
10,527,292 26.6 9,257,760 26.3
3,427,892 8.7 3,098,438 8.8
1,042,504 2.6 827,150 2.4
864,067 2.2 663,496 1.9
1,154,254 2.9 1,215,339 3.4
39,609,657 100.0 35,171,383 100.0
2022
232,123.12 25,450.67 12.3%
214,829.64 25,530.39 13.5%
14
2022 12 31 2021 12 31
(%) (%)
13,826,966 59.6 12,194,706 59.0
3,150,517 13.5 2,737,742 13.2
10,676,449 46.1 9,456,964 45.8
1,148,785 4.9 527,758 2.6
8,236,561 35.5 7,944,781 38.4
6,431,991 27.7 6,362,685 30.8
234,378 1.1 187,316 0.9
930,040 4.0 702,441 3.4
640,152 2.7 692,339 3.3
23,212,312 100.0 20,667,245 100.0
16,322.60 13.4%
4,127.75 12,194.85
6,210.27 117.7%
2,917.80 3.7% 470.62
25.1% 2,275.99 32.4%
15
2022 12 31 2021 12 31
(%) (%)
22,439,514 96.67 19,961,778 96.59
451,628 1.95 412,038 1.99
321,170 1.38 293,429 1.42
158,372 0.68 134,895 0.66
118,574 0.51 128,983 0.62
44,224 0.19 29,551 0.14
23,212,312 100.00 20,667,245 100.00
2022 224,395.14 24,777.36
96.67% 4,516.28 395.90 1.95% 0.04
3,211.70 277.41 1.38% 0.04
16
2022 12 31 2021 12 31
(%) (%) (%) (%)
13,826,966 59.6 271,615 1.96 12,194,706 59.0 254,887 2.09
3,150,517 13.5 99,066 3.14 2,737,742 13.2 107,390 3.92
10,676,449 46.1 172,549 1.62 9,456,964 45.8 147,497 1.56
1,148,785 4.9 – – 527,758 2.6 – –
8,236,561 35.5 49,555 0.60 7,944,781 38.4 38,542 0.49
6,431,991 27.7 25,394 0.39 6,362,685 30.8 15,460 0.24
234,378 1.1 3,985 1.70 187,316 0.9 3,092 1.65
930,040 4.0 8,454 0.91 702,441 3.4 6,811 0.97
640,152 2.7 11,722 1.83 692,339 3.3 13,179 1.90
23,212,312 100.0 321,170 1.38 20,667,245 100.0 293,429 1.42
2022 2,716.15 167.28
1.96% 0.13 495.55 110.13
0.60% 0.11
17
2022 12 31 2021 12 31
(%) (%) (%) (%)
3,149,183 25.1 19,324 0.61 2,816,789 25.8 24,762 0.88
1,949,461 15.5 58,944 3.02 1,654,610 15.1 61,602 3.72
1,892,850 15.1 38,188 2.02 1,667,376 15.2 33,824 2.03
1,511,785 12.0 23,864 1.58 1,370,252 12.5 11,379 0.83
1,211,580 9.6 8,406 0.69 1,065,459 9.7 8,653 0.81
724,802 5.8 44,531 6.14 705,714 6.5 33,820 4.79
531,845 4.2 31,696 5.96 464,169 4.2 38,558 8.31
359,345 2.9 7,513 2.09 312,849 2.9 5,538 1.77
340,146 2.7 8,337 2.45 287,601 2.6 6,947 2.42
226,500 1.8 2,706 1.19 203,130 1.9 3,470 1.71
657,994 5.3 17,422 2.65 390,704 3.6 13,827 3.54
12,555,491 100.0 260,931 2.08 10,938,653 100.0 242,380 2.22
3,323.94 11.8%
2,948.51 17.8%
2,254.74 13.5%
1,461.21 13.7%
1,415.33 10.3%
18
2022 12 31 2021 12 31
(%) (%) (%) (%)
747,980 3.2 18,443 2.47 791,994 3.8 21,668 2.74
4,798,204 20.7 32,910 0.69 4,163,732 20.2 35,149 0.84
3,621,603 15.6 47,328 1.31 3,134,781 15.2 33,860 1.08
3,816,621 16.5 69,989 1.83 3,371,325 16.3 72,241 2.14
3,561,290 15.3 40,888 1.15 3,133,539 15.2 40,046 1.28
4,225,369 18.2 71,038 1.68 3,746,867 18.1 47,031 1.26
978,246 4.2 29,203 2.99 895,238 4.3 30,600 3.42
1,462,999 6.3 11,371 0.78 1,429,769 6.9 12,834 0.90
23,212,312 100.0 321,170 1.38 20,667,245 100.0 293,429 1.42
269,376 110,649 223,739 603,764 191 – 28 219
31,002 (28,109) (2,893) – – – – –
(11,705) 15,684 (3,979) – – – – –
(4,594) (49,676) 54,270 – – – – –
(6,642) 92,227 57,271 142,856 317 – – 317
– – (85,157) (85,157) – – – –
– – 9,529 9,529 – – – –
1,278 811 (857) 1,232 2 – – 2
278,715 141,586 251,923 672,224 510 – 28 538
2022 6,727.62
6,722.24 5.38
209.47% 3.63 2.90% 0.02
19
2022 12 31 2021 12 31
(%) (%)
9,977,153 43.0 9,497,898 46.0
2,469,508 10.6 1,720,583 8.3
2,544,651 11.0 2,459,887 11.9
8,221,000 35.4 6,988,877 33.8
23,212,312 100.0 20,667,245 100.0
2022 12 31 2021 12 31
(%) (%)
3 93,802 0.40 72,444 0.35
3 1 79,509 0.34 70,057 0.34
1 3 91,177 0.40 93,247 0.45
3 19,543 0.08 19,153 0.09
284,031 1.22 254,901 1.23
2,840.31 291.30 3 1,902.29
77.72
20
262.29 70.95 3
22.81 0.20
2022 3.8%
16.0% 6,847.80
3.0%
2022
2022
105,272.92 12,695.32 13.7%
100,594.99 12,421.54 14.1%
2022 12 31 2021 12 31
(%) (%)
10,059,499 95.6 8,817,345 95.2
190,869 1.8 190,186 2.1
166,434 1.6 148,166 1.6
110,490 1.0 102,063 1.1
10,527,292 100.0 9,257,760 100.0
21
2022 12 31 2021 12 31
(%) (%)
7,419,005 73.8 6,371,607 72.3
56,817 0.5 38,207 0.4
761,736 7.6 754,719 8.6
1,821,941 18.1 1,652,812 18.7
10,059,499 100.0 8,817,345 100.0
10,473.98 16.4%
186.10 48.7%
70.17 0.9% 1,691.29 10.2%
2022 12 31 2021 12 31
(%) (%)
(1)
284 0.0 167 0.0
3 694,455 6.9 514,685 5.8
3 12 1,371,872 13.6 1,228,144 13.9
1 5 3,649,193 36.3 3,517,415 39.9
5 4,343,695 43.2 3,556,934 40.4
10,059,499 100.0 8,817,345 100.0
(1)
22
2022 12 31 2021 12 31
(%) (%)
9,213,230 91.6 8,110,061 92.0
559,753 5.6 450,447 5.1
286,516 2.8 256,837 2.9
10,059,499 100.0 8,817,345 100.0
11,031.69 13.6%
1,093.06 24.3% 296.79
11.6%
2022 12 31 2021 12 31
(%) (%)
714,879 6.8 623,223 6.7
2,178,018 20.7 1,803,604 19.5
7,634,395 72.5 6,830,933 73.8
10,527,292 100.0 9,257,760 100.0
2022 1
17,584.50 7,617.36
9,967.14 43.3% 56.7%
8,640.67 2,005.71 30.2%
1
23
2022 360,958.31
41,997.06 13.2%
2022 12 31 2021 12 31
(%) (%)
29,870,491 82.8 26,441,774 82.9
3,185,564 8.8 2,921,029 9.2
574,778 1.6 365,943 1.1
905,953 2.5 791,375 2.5
1,559,045 4.3 1,376,004 4.3
36,095,831 100.0 31,896,125 100.0
2022 298,704.91
34,287.17 13.0% 13,396.91
10.0% 20,473.38 16.4%
22,430.78 17.4% 11,439.51 8.9%
281,530.14 32,384.90 13.0%
17,174.77 1,902.27 12.5%
24
2022 12 31 2021 12 31
(%) (%)
6,594,898 22.1 5,798,353 21.9
8,076,256 27.0 7,533,110 28.5
14,671,154 49.1 13,331,463 50.4
8,553,919 28.6 7,107,386 26.9
5,991,387 20.1 5,390,582 20.4
14,545,306 48.7 12,497,968 47.3
(1)
199,465 0.7 250,349 0.9
454,566 1.5 361,994 1.4
29,870,491 100.0 26,441,774 100.0
(1)
5,747.78 2,088.35 57.1%
2022 35,138.26 2,385.68 7.3%
34,951.71 2,374.16 7.3%
4.4
2022 14.04%
15.64% 19.26%
25
2022 2021
12 31 12 31
3,141,891 2,903,516
356,407 356,407
148,174 148,597
392,162 356,849
496,406 438,640
1,766,288 1,618,142
3,293 3,539
(20,839) (18,658)
20,811 17,138
8,320 7,691
7,473 5,669
(2,962) (4,202)
7,980 7,980
3,121,080 2,886,378
354,915 354,986
354,331 354,331
584 655
3,475,995 3,241,364
805,084 668,305
528,307 418,415
275,764 248,774
1,013 1,116
4,281,079 3,909,669
(1)
22,225,272 21,690,349
(%) 14.04 13.31
(%) 15.64 14.94
(%) 19.26 18.02
(1)
26
2022
2022 2022 2022 2022 2021
12 31 9 30 6 30 3 31 12 31
3,475,995 3,391,913 3,296,397 3,321,161 3,241,364
41,780,554 41,802,773 41,006,112 39,560,645 37,292,522
(%) 8.32 8.11 8.04 8.40 8.69
2022
1,300
2022 1 4 8 400
500 400
2022 10
2,000
2022 11 12 600
300
27
4.5
2022
42,074,963
2,467,410
3,225,190
5,460,907
640,334,459
20,047,724
2,058,880
8,676,152
1,704,443
7,338,366
804,507
156,343
2,402,511
2,244,014
28
2021
2021
37,292,522
3,402,184
3,287,766
2,566,987
493,730,289
19,980,932
13,087,091
969
70,371
16,036
8,118,630
784,582
969,234
563,640
2,021,804
4,161,856
29
4.6
2022
48
2023
48
30
4.7
2019 48
2019 19% 10
200%
2022 1.38% 8
2019-2021 (ROA) 1%
(ROE) 12%
(NIM) 2.1% 2022 ROA ROE 0.97% 11.43% NIM1.92%
28 40
15 23 23
32 3 4
7,251 8,414 8,000
2,987 3,610 3,000
3,500 3,600
3
1.7 3
31
2022
30
2022 2.6
4,283
6.4
7,751
8,700
65% 85%
e
4,500 40% 100
+ 2022
4
1.17 485
2022 LPR
2022
32
GBC+
2022 GBC+
D-ICBC
ECOS 2022
GBC
22 GBC
G 6,994 195% B 47.3
141% C 7,275 85% G 1,519
B 3,388 C 1.9
1,000
2,838
1,780 1 5
30%
1.63
GBC
43.58% 3
4% 14% 11% 3
81.4 8.7 1.1 125
AUM 6.9 8,445
320 3.79 5.8%
1,277 1,493 59% 43%
33
D-ICBC ECOS GBC+
D-ICBC
8.0 e 5.0 5
App 3,300 ECOS
270PB
30% 2,200
API 5,000
11%
GBC+
2022
3.43 2.12
30
30.9 3.5 2
AUM 14
13
34
9
G B C
35
5.
5.1
2
2021
5.2
734,420
H 110,635 A 623,785
2023 2 28 752,712
10
(%)
A – 123,717,852,951 34.71
A – 110,984,806,678 31.14
(5)
H -8,788,188 86,145,336,361 24.17
(6)
A – 12,331,645,186 3.46
A – 2,416,131,540 0.68
(7)
A 513,627,255 1,900,078,921 0.53
A – 1,013,921,700 0.28
A 541,168,980 977,079,865 0.27
005L CT001
A 370,944,126 538,741,372 0.15
50 A 917,700 300,225,253 0.08
(8)
(1) 2022 12 31
(2)
(3)
36
(4) 10
(5) 2022 12 31
H
Temasek
Holdings (Private) Limited H
(6) [2019]49 2019 12
A 12,331,645,186
[2017]49
3
H 8,053,958,573 A H
20,385,603,759 5.72%
(7) 2022 12 31
A
(8) 50 2004 11 22
[2004]196
5.3
5.4
XV 2 3
2022 12 31
336
A
A A (2)
(%) (2)
(%)
(1)
123,717,852,951 45.89 34.71
1,013,921,700 0.38 0.28
124,731,774,651 46.26 35.00
110,984,806,678 41.16 31.14
(1) 2022 12 31
123,717,852,951
1,013,921,700
(2)
37
H
H H (4)
(%) (4)
(%)
(1)
12,168,809,000 14.02 3.41
(2)
8,663,703,234 9.98 2.43
Temasek Holdings (Private)
Limited 7,317,475,731 8.43 2.05
(3)
4,415,314,000 5.09 1.24
(1)
2022 12
31 2019 6 12
(2) H
8,053,958,573 H 9.28% 2.26%
(3)
H 4,415,314,000 H
4,360,174,000 2022 11 25 China Taiping Insurance
Holdings Company Limited H 4,405,157,000
2022 11 22
(4)
5.5
[2020]138 [2020]1391
2020 9 23 1.45
20 2020 9 24
4620 3.58% 29 20 135.77 1.45
38
6
1
2015 11 1 360011
5
5
2020 11 1 5 1
2020 11 23 1 4.58%
1 1
27 2 34
2023 2 28 1
1 27 2 35
10
(%)
The Bank of New York – 145,000,000 100 –
Depository (Nominees)
Limited
(1) 2022 12 31
(2)
(3) 10
(4)
39
1 10
(%)
– 200,000,000 44.4 –
– 50,000,000 11.1 –
– 35,000,000 7.8 –
– 30,000,000 6.7 –
– 18,000,000 4.0 –
– 15,000,000 3.3 –
– 15,000,000 3.3 –
1,710,000 13,110,000 2.9 –
– 10,000,000 2.2 –
– 10,000,000 2.2 –
– 10,000,000 2.2 –
(1) 2022 12 31 1
(2)
005L CT001
10
(3) 1 1 4.5
40
2 10
(%)
– 120,000,000 17.1 –
– 112,750,000 16.1 –
– 100,000,000 14.3 –
– 70,000,000 10.0 –
-6,000,000 64,000,000 9.1 –
– 50,000,000 7.1 –
– 37,250,000 5.3 –
– 30,000,000 4.3 –
-4,400,000 15,600,000 2.2 –
– 15,000,000 2.1 –
– 15,000,000 2.1 –
(1) 2022 12 31 2
(2)
005L CT001
10
(3) 2 2 7.0
41
2022 8 30
2 2022 9 26
2 2022 9 23 2022 10 28
1 2022 11 23
1
1 2
1 20.61 4.58%
2 29.4 4.2%
1.153
3.58%
10%
2022 2021 2020
(1) (1) (1)
4.58% 20.61 4.58% 20.61 4.50% 20.25
1
4.20% 29.4 4.20% 29.4 4.20% 29.4
2
6.00% 0.4 6.00% 0.4
(2)
3.58% 1.153 3.58% 1.153
(3)
(1)
(2) 2014 6.00% 6 2021 12
10
(3) 2020 3.58% 29
42
22 37
9
32
6.
6.1
B.(f) 2022
3 31 2022
6 23 2021
2022 9
6.2
2022 6 23 2021
ESG
2022 5 6
6.3
43
6.4
2022 6 23 2021 2022 7 11
2021 1 1 2021 12 31
10 2.933 1,045.34
2022 356,406,257,089
10 3.035 1,081.69
2022 2023 7 14
A H 2023 7 8 2023 7 14
H H
2023 7 7
H
183 17 1712-1716 A
2023 7 17 H 2023 8 18
2022 2021 2020
10 3.035 2.933 2.660
108,169 104,534 94,804
(1)
(%) 31.3 30.9 30.9
(1)
6.5
7.
7.1
2022
44
7.2
7.2.1
2022 12 31
2022 2021
1,280,376 1,162,218
(586,689) (471,538)
693,687 690,680
145,818 148,727
(16,553) (15,703)
129,265 133,024
8,610 8,955
6,315 16,440
3,564 11,781
841,441 860,880
(240,884) (236,227)
(182,419) (202,623)
418,138 422,030
4,427 2,869
422,565 424,899
(61,527) (74,683)
361,038 350,216
360,483 348,338
555 1,878
361,038 350,216
0.97 0.95
0.97 0.95
45
7.2.2
2022 12 31
2022 2021
361,038 350,216
(a)
(i)
(2,968) (1,180)
(ii) (25) 15
(iii) 13 28
(b)
(i)
(24,375) 1,623
(ii)
3,831 1,827
(iii) 1,284 442
(iv) (313) 541
(v) 21,345 (12,353)
(vi) (1,975) 885
(3,183) (8,172)
357,855 342,044
356,711 340,089
1,144 1,955
357,855 342,044
46
7.2.3
2022 12 31
2022 2021
12 31 12 31
3,427,892 3,098,438
1,042,504 827,150
87,205 76,140
864,067 663,496
22,593,648 20,109,200
10,527,292 9,257,760
714,879 623,223
2,178,018 1,803,604
7,634,395 6,830,933
65,878 61,782
293,887 290,296
101,600 79,259
605,684 707,862
39,609,657 35,171,383
145,781 39,723
3,185,564 2,921,029
64,126 87,180
96,350 71,337
574,778 365,943
375,452 290,342
29,870,491 26,441,774
85,581 92,443
905,953 791,375
3,800 5,624
787,955 789,355
36,095,831 31,896,125
356,407 356,407
354,331 354,331
134,614 134,614
219,717 219,717
1,016,896 926,375
1,767,537 1,620,642
3,495,171 3,257,755
18,655 17,503
3,513,826 3,275,258
39,609,657 35,171,383
47
7.2.4
2022 12 31
2022 1 1 356,407 354,331 148,703 357,169 438,952 24,628 (39,999) (4,243) 1,165 926,375 1,620,642 3,257,755 17,503 3,275,258
– – – – – – – – – – 360,483 360,483 555 361,038
– – – – – (23,542) 20,808 1,256 (2,294) (3,772) – (3,772) 589 (3,183)
– – – – – (23,542) 20,808 1,256 (2,294) (3,772) 360,483 356,711 1,144 357,855
2021 – – – – – – – – – – (104,534) (104,534) – (104,534)
– – – – – – – – – – (14,810) (14,810) – (14,810)
(i) – – – 35,318 – – – – – 35,318 (35,318) – – –
(ii) – – – – 57,767 – – – – 57,767 (57,767) – – –
– – – – – – – – – – – – (28) (28)
– – – – – (319) – – – (319) 319 – – –
– – (423) – – – 1,950 – – 1,527 (1,478) 49 36 85
2022 12 31 356,407 354,331 148,280 392,487 496,719 767 (17,241) (2,987) (1,129) 1,016,896 1,767,537 3,495,171 18,655 3,513,826
(i) 0.68 9.07
(ii) 41.96
48
2021 1 1 356,407 225,819 148,640 322,911 339,701 22,377 (27,882) (4,725) (304) 800,718 1,510,558 2,893,502 16,013 2,909,515
– – – – – – – – – – 348,338 348,338 1,878 350,216
– – – – – 1,917 (12,117) 482 1,469 (8,249) – (8,249) 77 (8,172)
– – – – – 1,917 (12,117) 482 1,469 (8,249) 348,338 340,089 1,955 342,044
2020 – – – – – – – – – – (94,804) (94,804) – (94,804)
– – – – – – – – – – (9,607) (9,607) – (9,607)
(i) – – – 34,258 – – – – – 34,258 (34,258) – – –
(ii) – – – – 99,251 – – – – 99,251 (99,251) – – –
– 139,730 – – – – – – – – – 139,730 – 139,730
– (11,218) 63 – – – – – – 63 – (11,155) – (11,155)
– – – – – – – – – – – – (465) (465)
– – – – – 334 – – – 334 (334) – – –
2021 12 31 356,407 354,331 148,703 357,169 438,952 24,628 (39,999) (4,243) 1,165 926,375 1,620,642 3,257,755 17,503 3,275,258
(i) 0.56 17.64
(ii) 0.47 17.46
49
7.2.5
2022 12 31
2022 2021
422,565 424,899
(4,427) (2,869)
30,319 28,194
3,721 3,125
182,419 202,623
8,870 (22,300)
28,067 27,673
(1,695) (1,964)
(22,850) (18,349)
(298,722) (262,827)
11,558 (14,473)
(1,548) (2,077)
(4,072) (3,388)
354,205 358,267
(147,741) 155,880
(4,067) 157,890
(45,211) 143,496
(100,215) 99,863
(2,511,204) (2,184,611)
60,745 (43,570)
(2,747,693) (1,671,052)
(11,808) (853)
105,849 (15,161)
193,899 158,557
186,956 77,427
62,306 (37,420)
3,194,252 1,261,998
155,187 311,773
3,886,641 1,756,321
50
2022 2021
1,493,153 443,536
(88,496) (82,654)
1,404,657 360,882
(23,128) (27,584)
10,018 13,008
(4,415,567) (3,344,684)
3,192,493 2,423,298
(3,314) (21,207)
2,811 206
326,066 282,407
(910,621) (674,556)
– 139,793
955,862 835,441
(25,721) (26,320)
(870,573) (836,623)
– (11,155)
(104,534) (94,804)
(14,810) (9,607)
(28) (465)
(4,985) (7,813)
(64,789) (11,553)
429,247 (325,227)
1,436,757 1,791,122
60,847 (29,138)
1,926,851 1,436,757
1,040,678 939,737
(451,918) (351,322)
51
7.3
(1)
2022 1 1
3
16
37
2018-2020
(2)
17 1
10 28
2
16 3
1 3
1 3
1 2 1
8 1
12 1
1 2023 1 1
2
3 2024 1 1
17
17
4
52
17
2020 6 17
17
17 2023 1 1
2021 12 17
17 9
17
17
12
53
7.4
7.4.1
2022 2021
900,149 832,136
507,252 467,973
376,950 353,733
15,947 10,430
298,722 262,827
45,425 42,027
36,080 25,228
1,280,376 1,162,218
(480,083) (397,625)
(70,732) (44,387)
(35,874) (29,526)
(586,689) (471,538)
693,687 690,680
7.4.2
2022 2021
45,439 41,270
26,253 30,001
19,586 22,416
17,736 16,679
14,172 15,165
8,803 9,756
8,709 8,738
1,894 1,808
3,226 2,894
145,818 148,727
(16,553) (15,703)
129,265 133,024
54
7.4.3
2022 2021
5,638 6,781
5,332 2,370
(2,360) (196)
8,610 8,955
7.4.4
2022 2021
4,072 3,388
541 291
3,531 3,097
(1,701) 10,739
(6,231) (17,674)
3,047 2,084
897 229
6,315 16,440
7.4.5
2022 2021
48,327 46,024
(51,867) (49,706)
12,075 13,016
1,590 2,182
(6,561) 265
3,564 11,781
55
7.4.6
2022 2021
93,376 90,250
31,918 30,800
18,207 18,313
143,501 139,363
15,976 14,596
7,976 8,173
3,082 4,106
2,000 1,947
29,034 28,822
3,721 3,125
27,457 26,539
10,100 9,318
27,071 29,060
240,884 236,227
7.4.7
2022 2021
143,173 168,267
39,246 34,356
182,419 202,623
56
7.4.8
(a)
2022 2021
76,152 79,459
1,898 1,768
3,584 1,950
81,634 83,177
(20,107) (8,494)
61,527 74,683
(b)
25%
2022 2021
422,565 424,899
105,641 106,225
(869) (827)
18,135 22,319
(58,688) (51,427)
(439) (717)
(2,253) (890)
61,527 74,683
57
7.4.9
2022 2021
2021 0.2933
2020 0.2660 104,534 94,804
5,797 6,047
9,013 3,560
14,810 9,607
12 31
2022 0.3035
2021 0.2933 108,169 104,534
7.4.10
2022 2021
360,483 348,338
(14,810) (9,607)
345,673 338,731
356,407 356,407
0.97 0.95
0.97 0.95
58
7.4.11
2022 12 31 2021 12 31
4,310,971 52,249 (54,844) 5,107,815 44,956 (41,578)
3,139,900 24,945 (23,760) 2,018,010 15,706 (15,457)
937,006 10,011 (17,746) 975,169 15,478 (14,302)
8,387,877 87,205 (96,350) 8,100,994 76,140 (71,337)
59
(1)
2022 12 31
3
3 1 1 5 5
886 3,137 4,085 – 8,108 203 (38)
74,270 81,348 4,999 – 160,617 1,739 (3,561)
4,730 5,002 66 4 9,802 44 (126)
79,886 89,487 9,150 4 178,527 1,986 (3,725)
2021 12 31
3
3 1 1 5 5
64 2,878 5,283 127 8,352 8 (146)
47,204 43,049 1,391 – 91,644 436 (948)
4,383 1,243 49 4 5,679 – (96)
51,651 47,170 6,723 131 105,675 444 (1,190)
60
2022 12 31
(i) 34,288 (49,433) 184 345
623 – 8 –
(ii) 30,693 (60,418) 1,076 (3,340)
65,604 (109,851) 1,268 (2,995)
(i)
(ii)
2021 12 31
(i) 19,617 (35,786) 192 161
4,708 – 74 (8)
(ii) 14,027 (28,533) 108 (4,416)
38,352 (64,319) 374 (4,263)
(i)
(ii)
2022 2021
61
(2)
2022 2021
4,721 2,207
(4,752) (2,258)
(31) (51)
3
3 1 1 5 5
2022 12 31 2,976 12,383 61,752 30,892 108,003 725 (94)
2021 12 31 4,623 7,187 41,439 21,108 74,357 627 (1,071)
62
2022 12 31
(i) 89,761 (1,799) (493) 105
4,780 – (89) –
(ii) 1,267 (6,528) (10) 22
95,808 (8,327) (592) 127
(i)
(ii)
2021 12 31
(i) 62,768 (339) 21 (3)
2,441 – (21) –
(ii) 955 (6,954) (1) 59
66,164 (7,293) (1) 56
(i)
(ii)
63
(3)
2022 12 31 6.75
2021 12 31 16.50 2022 2021
(4)
2022 12 31 2021 12 31
57,400 30,970 36,220 25,442
60,494 34,064 41,792 31,014
(5)
2022 2021
12 31 12 31
116,655 126,653
80,534 120,128
36,121 6,525
40,729 67,911
8,840 1,751
166,224 196,315
2019 1 1
64
7.4.12
2022 2021
12 31 12 31
714,879 623,223
2,178,018 1,803,604
7,634,395 6,830,933
10,527,292 9,257,760
7.4.13
(a)
2021 1 1 22,377 (27,882) (4,923) (10,428)
2,251 (12,117) 1,951 (7,915)
2021 12 31
2022 1 1 24,628 (39,999) (2,972) (18,343)
(23,861) 22,758 (1,038) (2,141)
2022 12 31 767 (17,241) (4,010) (20,484)
65
(b)
2022 2021
(i)
(2,968) (1,180)
(ii) (25) 15
(iii) 13 28
(i)
(27,769) 5,777
3,394 (4,154)
(24,375) 1,623
(ii)
3,831 1,827
(iii)
1,268 374
16 68
1,284 442
(iv) (313) 541
(v) 21,345 (12,353)
(vi) (1,975) 885
(3,183) (8,172)
66
7.4.14
(a)
2022 2021
12 31 12 31
19,427 31,307
(b)
2022 2021
12 31 12 31
680,068 449,141
56,365 50,114
501,054 444,418
53,646 54,466
112,606 114,733
108,102 50,199
348,202 497,892
1,111,002 1,069,406
2,971,045 2,730,369
1,113,801 1,082,099
67
(c)
2022 2021
12 31 12 31
16,946 16,451
15,380 15,920
14,627 15,937
24,864 27,840
57,258 59,648
129,075 135,796
(d)
2022 12 31
47.38
2021 12 31 61.65
(e)
2022 12
31 621.40 2021 12
31 755.53
2022 12 31 2021 12 31
63.50
68
(f)
2022 2021
12 31 12 31
3,420,373 2,783,961
3,420,106 2,783,778
(g)
69
7.4.15
(a)
70
2022
291,628 132,168 269,891 – 693,687
14,267 167,717 (181,984) – –
74,554 54,228 483 – 129,265
(i) 8,466 (8,010) 11,984 6,049 18,489
388,915 346,103 100,374 6,049 841,441
(97,437) (122,897) (16,812) (3,738) (240,884)
(125,707) (24,851) (30,822) (1,039) (182,419)
165,771 198,355 52,740 1,272 418,138
– – – 4,427 4,427
165,771 198,355 52,740 5,699 422,565
(61,527)
361,038
10,543 13,271 2,781 111 26,706
13,255 16,618 3,501 139 33,513
2022 12 31
14,683,048 8,658,389 15,992,193 174,427 39,508,057
– – – 65,878 65,878
106,222 141,504 27,976 18,185 293,887
(ii) 45,386 22,659 5,610 9,649 83,304
101,600
39,609,657
15,448,837 15,326,369 5,039,830 191,414 36,006,450
89,381
36,095,831
1,861,309 1,109,736 – – 2,971,045
(i)
(ii)
71
2021
292,402 146,911 251,367 – 690,680
17,262 148,301 (165,563) – –
78,082 53,760 1,182 – 133,024
(i) 10,627 (2,800) 24,292 5,057 37,176
398,373 346,172 111,278 5,057 860,880
(94,823) (121,173) (16,885) (3,346) (236,227)
(162,981) (29,341) (9,067) (1,234) (202,623)
140,569 195,658 85,326 477 422,030
– – – 2,869 2,869
140,569 195,658 85,326 3,346 424,899
(74,683)
350,216
10,452 10,901 3,370 125 24,848
18,219 19,027 5,870 215 43,331
2021 12 31
12,436,885 8,399,240 14,086,517 169,482 35,092,124
– – – 61,782 61,782
112,952 120,366 37,432 19,546 290,296
(ii) 43,468 20,945 6,304 9,944 80,661
79,259
35,171,383
13,960,681 13,213,984 4,425,332 198,061 31,798,058
98,067
31,896,125
1,674,769 1,055,600 – – 2,730,369
(i)
(ii)
72
(b)
73
2022
290,613 77,438 80,913 11,062 77,663 103,557 8,725 43,716 – 693,687
(259,518) 52,414 18,670 125,852 28,413 18,105 18,710 (2,646) – –
42,134 20,667 14,954 17,965 9,327 10,437 2,621 12,830 (1,670) 129,265
(i) 11,096 (1,992) (1,078) (1,057) (594) (1,297) (842) 12,651 1,602 18,489
84,325 148,527 113,459 153,822 114,809 130,802 29,214 66,551 (68) 841,441
(30,360) (36,619) (26,794) (37,485) (34,096) (38,699) (13,050) (23,849) 68 (240,884)
(53,708) (13,775) (26,978) (21,243) (20,634) (30,262) (4,286) (11,533) – (182,419)
257 98,133 59,687 95,094 60,079 61,841 11,878 31,169 – 418,138
– – – – – – – 4,427 – 4,427
257 98,133 59,687 95,094 60,079 61,841 11,878 35,596 – 422,565
(61,527)
361,038
4,534 3,946 2,696 3,972 3,511 4,206 1,471 2,370 – 26,706
3,758 3,579 2,796 2,933 3,292 3,547 1,099 12,509 – 33,513
2022 12 31
8,069,477 9,418,551 6,583,520 6,065,352 4,396,769 5,174,047 1,469,644 4,365,670 (6,034,973) 39,508,057
– – – – – – – 65,878 – 65,878
12,750 32,205 13,678 19,853 18,542 22,240 8,403 166,216 – 293,887
(ii) 16,623 7,274 6,149 6,812 8,359 9,769 2,469 25,849 – 83,304
101,600
39,609,657
5,335,535 9,208,450 5,833,211 9,263,328 4,599,017 4,842,967 1,819,550 1,139,365 (6,034,973) 36,006,450
89,381
36,095,831
1,157,911 1,378,232 931,972 1,106,387 624,496 680,902 160,799 796,832 (3,866,486) 2,971,045
(i)
(ii)
74
2021
268,554 79,643 83,851 24,702 77,869 105,129 12,041 38,891 – 690,680
(202,860) 39,174 11,381 106,166 20,293 12,805 15,066 (2,025) – –
47,014 21,368 14,503 17,067 8,623 11,540 2,361 12,120 (1,572) 133,024
(i) 22,780 (3,641) (2,261) (2,275) (1,428) (2,675) 114 25,059 1,503 37,176
135,488 136,544 107,474 145,660 105,357 126,799 29,582 74,045 (69) 860,880
(32,376) (34,986) (26,051) (37,142) (33,208) (38,426) (12,923) (21,184) 69 (236,227)
(45,081) (17,638) (21,724) (44,135) (25,034) (22,896) (15,400) (10,715) – (202,623)
58,031 83,920 59,699 64,383 47,115 65,477 1,259 42,146 – 422,030
– – – – – – – 2,869 – 2,869
58,031 83,920 59,699 64,383 47,115 65,477 1,259 45,015 – 424,899
(74,683)
350,216
3,910 3,412 2,584 3,939 3,358 4,040 1,450 2,155 – 24,848
6,089 4,639 3,845 3,710 4,100 4,625 1,501 14,822 – 43,331
2021 12 31
8,145,032 8,248,981 5,870,705 5,186,815 3,786,925 4,553,489 1,333,077 4,100,318 (6,133,218) 35,092,124
– – – – – – – 61,782 – 61,782
13,971 33,190 13,729 20,726 18,911 23,331 8,865 157,573 – 290,296
(ii) 16,056 7,371 6,075 7,087 8,457 9,685 2,317 23,613 – 80,661
79,259
35,171,383
5,470,908 8,944,022 5,645,178 7,928,583 3,568,847 3,745,729 1,539,014 1,088,995 (6,133,218) 31,798,058
98,067
31,896,125
1,123,767 1,172,580 791,688 1,001,597 450,171 611,013 147,856 631,815 (3,200,118) 2,730,369
(i)
(ii)
75
8.
8.1
[2013]33 2
(i)
2022 2021
12 31 12 31
1 356,407 356,407 X18
2 2,654,856 2,413,631
2a 392,162 356,849 X21
2b 496,406 438,640 X22
2c 1,766,288 1,618,142 X23
3 127,335 129,939
3a 148,174 148,597 X19
3b (20,839) (18,658) X24
4 – –
0
5 3,293 3,539 X25
6 3,141,891 2,903,516
7 – –
8 8,320 7,691 X16
9 7,473 5,669 X14-X15
10 – –
11 (2,962) (4,202) X20
12 – –
13 – –
14 – –
15 – –
16 – –
17 – –
76
2022 2021
12 31 12 31
18 – –
19 – –
20
21 – –
22 – –
15%
23 – –
24
25 – –
26a 7,980 7,980 X11
26b – –
26c – –
27 – –
28 20,811 17,138
29 3,121,080 2,886,378
30 354,331 354,331
31 354,331 354,331 X28+X32
32 – –
33 – –
34 584 655 X26
35 – –
36 354,915 354,986
77
2022 2021
12 31 12 31
37 – –
38 – –
39 – –
40 – –
41a – –
41b – –
41c – –
42 – –
43 – –
44 354,915 354,986
45 + 3,475,995 3,241,364
46 528,307 418,415 X17
47 – 20,285
48 1,013 1,116 X27
49 – –
50 275,764 248,774 X02+X04
51 805,084 668,305
52 – –
53 – –
54 – –
55 – – X31
56a – –
56b – –
56c – –
57 – –
58 805,084 668,305
59 + 4,281,079 3,909,669
60 22,225,272 21,690,349
78
2022 2021
12 31 12 31
61 14.04% 13.31%
62 15.64% 14.94%
63 19.26% 18.02%
64 4.0% 4.0%
65 2.5% 2.5%
66 – –
67 1.5% 1.5%
68 9.04% 8.31%
69 5.0% 5.0%
70 6.0% 6.0%
71 8.0% 8.0%
72 176,987 155,815 X05+X07
+X08+X09
+X12+X29
+X30
73 30,838 28,773 X06+X10+X13
74
75 101,072 74,611
76 31,195 24,545 X01
77 19,820 15,909 X02
78 641,029 579,219 X03
79 255,944 232,865 X04
80 – –
81 – –
79
2022 2021
12 31 12 31
82 – –
83 – –
84 – 20,285
85 38,000 37,740
(ii)
2022 2021
2022 12 31 2021 12 31
12 31 12 31
* * * *
3,427,892 3,427,892 3,098,438 3,098,438
365,625 323,131 346,457 301,191
273,289 273,289 265,962 265,962
676,879 676,879 480,693 480,693
87,205 87,205 76,140 76,140
864,067 858,304 663,496 662,544
22,593,648 22,591,551 20,109,200 20,107,266
10,527,292 10,302,218 9,257,760 9,060,427
714,879 637,851 623,223 560,683
2,178,018 2,115,023 1,803,604 1,743,097
7,634,395 7,549,344 6,830,933 6,756,647
65,878 73,858 61,782 69,762
274,839 274,771 270,017 269,952
17,072 17,002 18,182 18,172
101,600 101,072 79,259 79,259
334,371 328,887 443,997 430,485
39,609,657 39,336,059 35,171,383 34,920,291
(*)
80
2022 2021
2022 12 31 2021 12 31
12 31 12 31
* * * *
145,781 145,781 39,723 39,723
2,664,901 2,664,901 2,431,689 2,431,689
520,663 520,663 489,340 489,340
64,126 64,126 87,180 87,180
96,350 96,350 71,337 71,337
574,778 573,279 365,943 351,049
375,452 375,452 290,342 290,342
29,870,491 29,870,491 26,441,774 26,441,774
49,413 49,034 41,083 40,659
102,074 102,031 108,897 108,871
905,953 900,807 791,375 791,375
3,800 3,706 5,624 4,648
722,049 464,748 731,818 508,191
36,095,831 35,831,369 31,896,125 31,656,178
356,407 356,407 356,407 356,407
354,331 354,331 354,331 354,331
134,614 134,614 134,614 134,614
219,717 219,717 219,717 219,717
148,174 148,174 148,597 148,597
(20,484) (20,839) (18,343) (18,658)
392,487 392,162 357,169 356,849
496,719 496,406 438,952 438,640
1,767,537 1,766,288 1,620,642 1,618,142
3,495,171 3,492,929 3,257,755 3,254,308
18,655 11,761 17,503 9,805
3,513,826 3,504,690 3,275,258 3,264,113
(*)
81
(iii)
2022
12 31
22,591,551
23,263,775
31,195 X01
19,820 X02
641,029 X03
255,944 X04
637,851
57 X05
130 X06
63 X07
159,641 X08
2,115,023
14,516 X09
2,625 X10
– X29
7,549,344
– X30
– X31
82
2022
12 31
73,858
7,980 X11
2,710 X12
28,083 X13
328,887
2,941
22,320 X14
14,847 X15
154,823
8,320 X16
6,604
3,405
130,474
900,807
528,307 X17
356,407 X18
354,331
134,614 X28
219,717 X32
148,174 X19
(20,839) X24
533
(2,987)
(2,962) X20
(582)
(17,457)
(346)
83
2022
12 31
392,162 X21
496,406 X22
1,766,288 X23
11,761
3,293 X25
584 X26
1,013 X27
84
(iv)
A H
601398 1398 360011 360036
336,554 168,374 44,947 69,981
269,612 86,795 45,000 70,000
2006 10 19 2006 10 19 2015 11 18 2019 9 19
2020 11 18 2024 9 24
2020 11 18 2024 9 24
85
A H
2020 11 23 2024 9 24
4.5% 4.2%
2020 11 23
2025 11 22
4.58%
2014 7 2018 8
25 30
A A
86
A H
87
4620 1928018 2128021 S ISIN
XS2383421711
╱
19,687 79,987 69,992 39,742
2,900 80,000 70,000 6,160
2020 9 23 2019 7 26 2021 6 4 2021 9 24
2025 9 23 2024 7 30 2026 6 8 2026 9 24
9 23 2024 7 30 2026 6 8 2026 9 24
88
2025 9 23 2024 7 30 2026 6 8 2026 9 24
3.58% 4.45% 4.04% 3.20%
2018 8
30
H
89
90
2128044 144A ISIN 1928006 1928007
US455881AD47
S ISIN
USY39656AC06
29,997 8,307 45,000 10,000
30,000 2,000 45,000 10,000
2021 11 24 2015 9 21 2019 3 21 2019 3 21
91
2025 9 21 2029 3 25 2034 3 25
2024 3 25 2029 3 25
2026 11 26
2026 11 26
2026 11 26 4.875% 4.26% 4.51%
3.65%
92
i i i
ii ii ii
93
1928011 1928012 2028041 2028049
45,000 10,000 60,000 30,000
45,000 10,000 60,000 30,000
2019 4 24 2019 4 24 2020 09 22 2020 11 12
2029 4 26 2034 4 26 2030 09 24 2030 11 16
2024 4 26 2029 4 26 2025 09 24 2025 11 16
94
4.40% 4.69% 4.20% 4.15%
i i i i
ii ii ii ii
95
96
2028050 2128002 2128051 2128052
10,000 30,000 50,000 10,000
10,000 30,000 50,000 10,000
2020 11 12 2021 1 19 2021 12 13 2021 12 13
2035 11 16 2031 1 21 2031 12 15 2036 12 15
2030 11 16 2026 1 21 2026 12 15 2031 12 15
4.45% 4.15% 3.48% 3.74%
97
i i i i
ii ii ii ii
98
99
2228004 2228005 2228024 2228025
35,000 5,000 45,000 5,000
35,000 5,000 45,000 5,000
2022 1 18 2022 1 18 2022 4 12 2022 4 12
2032 1 20 2037 1 20 2032 4 14 2037 4 14
2027 1 20 2032 1 20 2027 4 14 2032 4 14
3.28% 3.60% 3.50% 3.74%
100
i i i i
ii ii ii ii
101
102
092280065 092280066 092280134 092280135
30,000 10,000 50,000 10,000
30,000 10,000 50,000 10,000
2022 8 18 2022 8 18 2022 11 8 2022 11 8
2032 8 22 2037 8 22 2032 11 10 2037 11 10
2027 8 22 2032 8 22 2027 11 10 2032 11 10
3.02% 3.32% 3.00% 3.34%
103
i i i i
ii ii ii ii
104
105
232280007 232280008
25,000 5,000
25,000 5,000
2022 12 20 2022 12 20
2032 12 22 2037 12 22
2027 12 22 2032 12 22
3.70% 3.85%
106
(i) (i)
(ii) (ii)
107
8.2
2015 1
(1)
2022 2021
12 31 12 31
1 39,609,657 35,171,383
2 (273,598) (251,092)
3 – –
4 97,074 104,865
5 39,728 40,027
6 2,328,504 2,244,477
7 (20,811) (17,138)
8 41,780,554 37,292,522
(2)
2022 2021
12 31 12 31
1 38,689,986 34,436,056
2 (20,811) (17,138)
3 38,669,175 34,418,918
4 94,240 84,898
5 84,921 91,940
6 – –
7 – –
8 (58) (128)
9 25,369 37,702
10 (20,193) (33,407)
11 184,279 181,005
12 558,868 408,095
13 – –
14 39,728 40,027
15 – –
16 598,596 448,122
17 7,056,225 6,328,760
18 (4,727,721) (4,084,283)
19 2,328,504 2,244,477
20 3,475,995 3,241,364
21 41,780,554 37,292,522
22 8.32% 8.69%
108
8.3
[2015]52
2022
1 6,660,490
2 15,130,987 1,509,558
3 55,650 2,024
4 15,075,337 1,507,534
5 16,495,064 5,569,319
6 9,465,040 2,300,066
7 6,959,050 3,198,279
8 70,974 70,974
9 9,077
10 3,427,024 1,416,587
11 1,243,785 1,243,785
12 – –
13 2,183,239 172,802
14 83,877 83,845
15 5,775,330 106,549
16 8,694,935
17 852,446 591,084
18 1,889,237 1,241,478
19 1,226,288 1,224,325
20 3,967,971 3,056,887
21 6,660,490
22 5,638,048
23 (%) 118.27%
92
109
8.4
[2019]11
2022 12 31
6 6-12 ≥1
1 3,770,528 – – 528,307 4,298,835
2 3,770,528 – – 528,307 4,298,835
3 – – – – –
4 7,213,206 8,563,324 20,688 9,841 14,232,269
5 37,455 45,385 15,778 8,197 101,885
6 7,175,751 8,517,939 4,910 1,644 14,130,384
7 9,207,060 7,701,069 501,415 229,331 8,170,565
8 8,864,675 519,213 23,875 4,079 4,707,961
9 342,385 7,181,856 477,540 225,252 3,462,604
10 – – – – –
11 7,418 852,606 71,649 749,238 723,143
12 69,338
13 7,418 852,606 71,649 679,900 723,143
14 27,424,812
110
2022 12 31
6 6-12 ≥1
15 1,160,260
16 175,102 33,176 279 1,024 105,537
17 551 4,626,668 3,589,345 18,251,096 18,991,605
18 – 451,518 – 55 66,803
19 – 1,199,164 391,059 287,449 662,853
20 – 2,612,458 3,049,467 10,480,034 11,646,149
21 35% – 579,290 804,618 324,602 888,892
22 – 2,474 3,182 6,453,314 5,485,142
23 35% – 445 434 15,788 10,857
24 551 361,054 145,637 1,030,244 1,130,658
25 – – – – –
26 301,113 448,318 30,814 130,711 793,357
27 12,622 10,729
28 7,199 6,119
29 62,200 –
30 81,043* 16,209
31 288,491 448,318 30,814 61,312 760,300
32 8,430,008 238,972
33 21,289,731
34 (%) 128.82%
(*)
26
111
2022 9 30
6 6-12 ≥1
1 3,680,528 – – 438,479 4,119,007
2 3,680,528 – – 438,479 4,119,007
3 – – – – –
4 6,824,929 8,482,647 44,235 10,282 13,831,774
5 39,959 40,202 17,085 7,644 100,027
6 6,784,970 8,442,445 27,150 2,638 13,731,747
7 9,252,232 8,184,297 394,603 203,822 8,431,710
8 8,892,911 584,054 25,229 5,031 4,756,128
9 359,321 7,600,243 369,374 198,791 3,675,582
10 – – – – –
11 8,275 1,053,973 32,512 708,929 600,390
12 133,071
13 8,275 1,053,973 32,512 575,858 600,390
14 26,982,881
112
2022 9 30
6 6-12 ≥1
15 1,084,851
16 195,577 69,618 274 1,004 133,985
17 615 4,911,316 3,632,772 17,944,178 18,771,497
18 – 690,333 – 47 102,655
19 – 1,276,200 450,809 247,989 664,823
20 – 2,602,441 3,054,870 10,201,415 11,400,356
21 35% – 540,183 763,065 325,428 849,077
22 – 2,775 3,159 6,485,998 5,512,982
23 35% – 477 441 16,242 11,182
24 615 339,567 123,934 1,008,729 1,090,681
25 – – – – –
26 340,899 492,999 31,710 239,967 879,285
27 47,029 39,975
28 35,600 30,260
29 131,973 –
30 155,175* 31,035
31 293,870 492,999 31,710 72,394 778,015
32 8,400,045 244,112
33 21,113,730
34 (%) 127.80%
(*)
26
113
9.
9.1
2022 12 31 2021 12 31
3,121,080 2,824,565 2,886,378 2,614,392
3,475,995 3,152,660 3,241,364 2,944,636
4,281,079 3,945,322 3,909,669 3,600,883
(%) 14.04 14.03 13.31 13.29
(%) 15.64 15.66 14.94 14.97
(%) 19.26 19.60 18.02 18.30
2022
2022 2021
12 31 12 31
20,488,486 20,042,955
13,248,337 13,472,715
7,240,149 6,570,240
203,207 153,686
80,583 51,014
122,624 102,672
1,533,579 1,493,708
22,225,272 21,690,349
114
9.2
2022 12 31 2021 12 31
13,218,501 1,921,276 11,784,229 1,579,671
– 8,887,123 – 7,788,462
– 4,113,104 – 3,234,577
8,091,471 525,806 7,803,147 558,255
– 193,606 – 186,061
– 97,472 – 109,803
– 5,139,070 – 4,855,985
21,309,972 20,877,457 19,587,376 18,312,814
2022 12 31
(%) (%) (%)
1 1,512,015 0.09 44.78 439,149 29.04
2 2,104,117 0.21 43.04 996,678 47.37
3 2,566,672 0.64 43.27 1,886,578 73.50
4 3,279,783 1.62 42.68 3,133,979 95.55
5 1,863,311 2.57 41.33 1,835,753 98.52
6 813,147 3.72 41.42 887,573 109.15
7 423,498 5.28 41.51 515,514 121.73
8 165,492 7.20 41.38 222,368 134.37
9 136,219 9.60 40.30 202,505 148.66
10 45,070 18.00 38.71 80,475 178.56
11 80,965 56.00 41.18 140,066 173.00
12 228,212 100.00 43.89 8,487 3.72
13,218,501 – – 10,349,125 78.29
115
2021 12 31
(%) (%) (%)
1 1,189,661 0.09 44.71 347,327 29.20
2 1,935,468 0.21 42.51 893,244 46.15
3 2,236,190 0.64 43.31 1,625,358 72.68
4 3,027,170 1.62 43.26 2,878,514 95.09
5 1,735,751 2.56 42.12 1,712,171 98.64
6 662,023 3.72 42.40 730,133 110.29
7 391,316 5.28 41.99 480,058 122.68
8 145,476 7.20 42.23 202,938 139.50
9 135,605 9.60 41.44 207,749 153.20
10 45,286 18.00 40.29 84,781 187.21
11 68,751 56.00 41.50 117,549 170.98
12 211,532 100.00 43.82 13,843 6.54
11,784,229 – – 9,293,665 78.87
2022 12 31
(%) (%) (%)
6,333,088 1.65 30.94 1,208,440 19.08
675,607 3.99 45.74 158,505 23.46
1,082,776 3.62 62.39 628,348 58.03
8,091,471 – – 1,995,293 24.66
2021 12 31
(%) (%) (%)
6,266,438 1.20 30.64 1,274,977 20.35
718,968 3.71 50.22 177,483 24.69
817,741 3.71 55.46 508,237 62.15
7,803,147 – – 1,960,697 25.13
116
9.3
2022 2021
12 31 12 31
6,447 4,081
9,810 8,214
5,335 4,465
4,435 3,707
40 42
16,257 12,295
250 99% 10
(VaR)
2022 2021
1,262 427 1,262 227 468 535 839 288
749 247 749 125 273 398 811 189
495 316 544 194 249 369 913 115
153 84 256 12 71 173 503 22
1,542 1,503 2,058 996 1,028 900 1,396 587
1,581 1,472 2,076 588 596 617 811 384
495 620 1,414 323 632 706 1,275 301
153 137 518 21 140 219 503 54
117
9.4
2022
100 100
(29,467) (56,877) 29,467 63,210
(469) (4,663) 469 4,945
(809) 1,563 809 (1,642)
(436) (1,290) 436 1,355
(31,181) (61,267) 31,181 67,868
9.5
2022 1,226.86
9.6
2022 12 31 2021 12 31
(1) (1) (2) (1) (1) (2)
32,286 15,898 7,509 29,513 14,205 7,207
22,292 137,390 (5,120) 25,412 134,605 (2,667)
54,578 153,288 2,389 54,925 148,810 4,540
(1)
(2)
118
10.
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