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中国银行:H股公告2020-03-28  

						                   BANK OF CHINA LIMITED

                               3988   4619


                     2019

                                         2019   12   31
              2019
                               2019                       2020   4
               H
www.hkexnews.hk             www.boc.cn
                                         1912   2
              1912      1949



1949




       1994                                          2004   8
                2006    6      7
                                   A+H                               2008
                       2017                       2022
                                           2019
                                             9


                                                                61
       2020

2035
              2050
                          1000                    4
The Banker
                                        500           4
FORTUNE            2019           500         44
Forbes                           2000         8
Euromoney


Asiamoney




Finance Asia



The Asian Banker



                                                          2




Interbrand                              50                     7
                          500                             14
                                   TOP200         13
      2
      5
      6
      9
     11
     14
     16
     17
     17
     33
     65
     76
     79
     80
     83
     91
    105
    123
    132
    136
    139
    147
    379
    383
    384




1
A                              1.00
                                      601988




H                              1.00


                    3988




    (Bp, Bps)              1              0.01




                2
    571




3
4
  2020       3        27                               2019
                                  11              11     11



                                                2019




                           2019            10   1.91
2020     6       30




                                       5
           0.63            2.12           0.56           473,912




    2015
                    2015
                                                  2015




                                   2015
           0.91            1.83           0.54           485,656




    2016
                                   2016




                    2016
                                                  2016
           0.81            1.84           0.56           483,761




                                   2017




    2017
                    2017
                                                  2017

           0.95            1.90           0.59           503,806




                                   2018




    2018
                    2018
                                                  2018




           0.80            1.84           0.61           550,010




                                   2019




    2019
                    2019
                                                  2019




           1.43            28.30          1.12           229,237



                                   2015




    2015
                    2015
                                                  2015




           1.46            28.08   2016   1.05           221,515




    2016
                    2016
                                                  2016




6
           1.45            28.34          0.98           221,741
                                   2017




    2017
                    2017
                                                  2017




           1.42            28.09          0.94           227,533
                                   2018




    2018
                    2018
                                                  2018




           1.37            28.00          0.92           249,588
                                   2019




    2019
                    2019
                                                  2019




           153.30          30.65          14.53          179,417




    2015
                    2015
                                   2015
                                                  2015




           162.82          36.98          12.58          184,051




    2016
                    2016
                                                  2016




                                   2016




           159.18          30.05          12.24          184,986




    2017
                    2017
                                                  2017




                                   2017




           181.97          28.60          12.06          192,435



    2018
                    2018
                                                  2018




                                   2018




           182.86          31.96          11.45          201,891
    2019
                    2019
                                   2019
                                                  2019
                                         1




                                                2019          2018          2017        2016        2015

                                                374,250       359,706      338,389     306,048     328,650
                                    2           175,760       144,100      145,372     179,608     145,262
                                                550,010       503,806      483,761     485,656     473,912
                                               (198,269)     (176,979)    (173,859)   (175,069)   (185,401)
                                               (102,153)      (99,294)     (88,161)    (89,072)    (59,274)
                                                249,588       227,533      221,741     221,515     229,237
                                                250,645       229,643      222,903     222,412     231,571
                                                201,891       192,435      184,986     184,051     179,417
                                                187,405       180,086      172,407     164,578     170,845
                                                   N.A.        54,167       51,812      49,457      51,518

                                             22,769,744    21,267,275    19,467,424 18,148,889 16,815,597
                                             13,068,785    11,819,272    10,896,558  9,973,362  9,135,860
                                    3          (325,923)     (303,781)     (252,254)  (237,716)  (200,665)
                                    4         5,514,062     5,054,551     4,554,722  3,972,884  3,595,095
                                             20,793,048    19,541,878    17,890,745 16,661,797 15,457,992
                                             15,817,548    14,883,596    13,657,924 12,939,748 11,729,171
                                              1,851,701     1,612,980     1,496,016  1,411,682  1,304,946
                                                294,388       294,388       294,388    294,388    294,388

                                                   0.61          0.59         0.56        0.54        0.56
                                    5             0.191         0.184        0.176       0.168       0.175
                                    6              5.61          5.14         4.74        4.46        4.09

                        %            7             0.92          0.94         0.98        1.05        1.12
                %                    8            11.45         12.06        12.24       12.58       14.53
    %                                9             1.84          1.90         1.84        1.83        2.12
                    %               10            31.96         28.60        30.05       36.98       30.65
                                %   11            28.00         28.09        28.34       28.08       28.30
                                    12
                                              1,620,563     1,488,010     1,377,408   1,297,421   1,197,868
                                                210,057       109,524       105,002     103,523     103,159
                                                394,843       347,473       264,652     225,173     212,937
                            %                     11.30         11.41         11.15       11.37       11.10
                    %                             12.79         12.27         12.02       12.28       12.07
            %                                     15.59         14.97         14.19       14.28       14.06

            %                       13             1.37          1.42         1.45        1.46        1.43
            %                       14             1.37          1.42         1.45        1.46        1.43
                            %       15           182.86        181.97       159.18      162.82      153.30
        %                           16             0.80          0.95         0.81        0.91        0.63
            %                       17             2.97          3.07         2.77        2.87        2.62

1                                                6.9762        6.8632       6.5342      6.9370      6.4936
1                                                7.8155        7.8473       7.8023      7.3068      7.0952
1                                                0.8958        0.8762       0.8359      0.8945      0.8378




                                                       7
1           2018 1   1                                                9
            IFRS 9

2



3



4    2019    2018        IFRS 9




5

6

7                                            100%
                2

8                                                                         100%
                                                        9
                2010              [2010]2

9                                     100%



10                                    100%

11                                                  [2016]35

12                                                    [2012]1



13                                                  100%



14                                                  100%



15                                                             100%



16                                           100%
                           2

17                                                   100%




                                      8
                                                                  1
                                                 100818
                                                 (86) 10-6659 6688
                                                 (86) 10-6601 6871
BANK OF CHINA LIMITED                                    http://www.boc.cn
     Bank of China                                       (86)     -95566

                                                                       1



                                                              A




                              1       http://www.sse.com.cn
         (86) 10-6659 2638
         (86) 10-6659 4568
         ir@bankofchina.com           http://www.hkexnews.hk




                              1
         (86) 10-6659 2638
         (86) 10-6659 4568
         ir@bankofchina.com



                      1




                                  9
                                                            1
                                                   360002
       1
                  16
                                                            2
                                                   360010



                       1                                    3
       22                                          360033


      911000001000013428
                                                            4
           B0003H111000001                         360035




                                                  BOC 20USDPREF
                                                  4619
A

    601988


H
                                                                   8
    3988




                                                            200
                                                            39




                                  2019   7   17      2020   12    31
                                  2019   8   26      2020   12    31




                             10
                  2019                                2019
        2,019                4.91%                      1,874
        4.06%              1.37%          0.05
        182.86%               0.89                        2019
        10 1.91          2020 6


2019




  1.8




                                                 25              86




                                     11
       600         1,600    61



2019
             ESG



2019




                       12
            2020




     2020    3     27




13
2019




                                  2019                   22.77                   20.79
                               1.85                              7.06% 6.40%   14.80%
                     2,019                      4.91%                15.59%
0.62


2019
           5,500.10                        9.17%                                   21.97%
           3.36
           7.61%
                                                        0.05
                         156
28.00%                   0.09



                       1.8       0.2                 57.4%     23.4%
10,502                            11.7%                         4,056          8.2%
                               38%
                                                                   1.96
         36.78%                    2.16                                    9,340
              6.3%



                                   49%    41%
                                            3
                             2.1
                                                                 110
                                                        50%    125%



                                                                  1,531
                                                                   0.89




                                                14
2020




2019




            2020   3   27




       15
2019




2020




            2020   3   27

       16
2019




        (GDP)      6.1%                                8.0%                        5.4%
                (CPI)     2.9%




                                                                           (M2)
         8.7%                     16.81                      0.64
       251.31                    10.7%                              45.2
4.9%                                                 1.62%




                                            290.00                         8.14%
  265.54                            7.71%                                     1.99
                          2.41                        1.86%




                                            17
2019                       2,018.91                     94.56          4.91%
                     1,874.05                   73.19             4.06%
       (ROA) 0.92%                    (ROE) 11.45%




                                         2019        2018
                                        374,250     359,706      14,544          4.04%
                                        175,760     144,100      31,660         21.97%
                                         89,612      87,208       2,404          2.76%
                                        550,010     503,806      46,204          9.17%
                                        (198,269)   (176,979)   (21,290)        12.03%
                                        (102,153)    (99,294)    (2,859)         2.88%
                                         249,588     227,533     22,055          9.69%
                                         250,645     229,643     21,002          9.15%
                                        (48,754)    (37,208)    (11,546)        31.03%
                                        201,891     192,435       9,456          4.91%
                                        187,405     180,086       7,319          4.06%




                                         2019        2019       2019            2019
                                        10–12        7–9       4–6            1–3
                                        133,153     140,169     135,682        141,006
                                         27,826      45,531      63,083         50,965


                                         76,461     (469,833)   144,262        (235,156)




                                          18
2019                              3,742.50                         145.44                 4.04%
                                                     1

       2




                        2019                             2018


           12,141,412   517,565   4.26% 11,107,013       469,098   4.22%    43,652     4,815     48,467
            4,852,547   155,126   3.20% 4,497,016        144,326   3.21%    11,413      (613)    10,800

            3,333,123    69,516   2.09% 3,282,457         74,476   2.27%     1,150     (6,110)   (4,960)
           20,327,082   742,207   3.65% 18,886,486       687,900   3.64%    56,215     (1,908)   54,307

           15,140,952   269,324   1.78% 14,072,677       229,998   1.63%    17,413    21,913     39,326


            3,031,768    67,691   2.23% 3,042,646         76,478   2.51%      (273)    (8,514)   (8,787)
              852,620    30,942   3.63% 580,755           21,718   3.74%    10,168       (944)    9,224
           19,025,340   367,957   1.93% 17,696,078       328,194   1.85%    27,308     12,455    39,763
                        374,250                          359,706            28,907    (14,363)   14,544
                                  1.84%                            1.90%                         (6)Bps

1


2


3




1

2




                                              19
            2019                  2018



     5,115,971     4.45%   4,754,363     4.47%   361,608      (2)Bps
     3,907,107     4.80%   3,448,247     4.67%   458,860       13Bps
       260,026     3.22%     165,797     4.47%    94,229    (125)Bps
     9,283,104     4.57%   8,368,407     4.55%   914,697        2Bps

     6,725,120     4.77%   5,828,652     4.77%   896,468           –
1    2,557,984     4.03%   2,539,755     4.06%    18,229      (3)Bps

     3,221,912     0.70% 3,097,595       0.65%   124,317        5Bps
     2,364,226     2.81% 2,254,006       2.77%   110,220        4Bps
     2,372,681     1.07% 1,948,774       0.66%   423,907       41Bps
     2,682,371     2.85% 2,575,439       2.68%   106,932       17Bps
       629,277     3.83%    528,899      4.19%   100,378     (36)Bps
    11,270,467     1.91% 10,404,713      1.79%   865,754       12Bps

       38,574      3.15%     49,355      3.08%   (10,781)      7Bps

       43,777      0.73%     45,065      0.62%    (1,288)      11Bps
       29,067      2.61%     29,668      1.89%      (601)      72Bps
       24,717      0.04%     27,047      0.05%    (2,330)     (1)Bp
       17,782      0.73%     19,125      0.63%    (1,343)      10Bps
        1,614      2.29%      2,002      2.30%      (388)     (1)Bp
      116,957      1.07%    122,907      0.83%    (5,950)      24Bps




                    20
2019    1.84%                     6


           2019
                             2.79




2019            1,757.60              316.60    21.97%
                    31.96%




                   896.12               24.04   2.76%
       16.29%




                             21
                     2019           2018


                      20,320        20,212       108         0.53%
                      32,831        29,943     2,888         9.64%
                      14,713        13,670     1,043         7.63%
                      12,746        13,181      (435)       (3.30%)
                       4,446         3,534       912        25.81%
                       7,154         7,740      (586)       (7.57%)
                       4,120         3,597       523        14.54%
                       8,587         8,120       467         5.75%
                     104,917        99,997     4,920         4.92%
                     (15,305)       (12,789)   (2,516)      19.67%
                      89,612         87,208     2,404        2.76%


                      14,233        14,353      (120)       (0.84%)
                      29,558        26,364     3,194        12.12%
                      13,077        12,082       995         8.24%
                       6,141         6,760      (619)       (9.16%)
                       4,021         3,331       690        20.71%
                       6,489         7,088      (599)       (8.45%)
                       3,970         3,474       496        14.28%
                       4,573         4,384       189         4.31%
                      82,062        77,836     4,226         5.43%
                      (9,878)       (7,642)    (2,236)      29.26%
                      72,184        70,194      1,990        2.84%




            861.48                  292.56         51.42%


3   4   5




                               22
                                                                    2019
     1,982.69                      212.90               12.03%
                28.00%                0.09                                   6   7



                                         2019            2018
                                          90,762          85,391    5,371         6.29%
                                          41,845          42,768     (923)       (2.16%)
                                          21,175          13,451    7,724        57.42%
                                           4,984           4,744      240         5.06%
                                          26,037          17,008    9,029        53.09%
                                          13,466          13,617     (151)       (1.11%)
                                         198,269         176,979   21,290        12.03%




                                                                                     2019
                              1,021.53                   28.59       2.88%


9   17          3




2019                            487.54                   115.46        31.03%
  19.45%
                         10




                                                   23
2019             227,697.44                            15,024.69
7.06%      207,930.48                          12,511.70              6.40%




                          2019    12     31           2018   12      31



                       12,743,425         55.97%   11,515,764          54.15%
                        5,514,062         24.22%    5,054,551          23.77%
                        2,078,809          9.13%    2,331,053          10.96%
                        1,399,519          6.15%    1,405,534           6.61%
                        1,033,929          4.53%      960,373           4.51%
                       22,769,744        100.00%   21,267,275         100.00%


                       15,817,548         76.07%   14,883,596          76.16%
                        3,153,998         15.17%    3,250,997          16.64%
                        1,124,098          5.41%      814,888           4.17%
                          697,404          3.35%      592,397           3.03%
                       20,793,048        100.00%   19,541,878         100.00%




                                                                      130,687.85
          12,495.13                10.57%                             101,493.45
           10,537.83                11.59%                         4,184.86
        216.29                   5.45%                                17




                                    24
           3,259.23             221.42                             123.78
              23.76



                         2019    12      31              2018   12    31


                       7,986,380          61.11%       7,347,598        62.17%
                       5,047,809          38.62%       4,440,085        37.57%
                          34,596           0.27%          31,589         0.26%
                      13,068,785         100.00%      11,819,272       100.00%




         55,140.62            4,595.11                 9.09%
       42,263.84           2,477.48                 6.23%
1,845.82              278.16                   17.74%




                         2019    12      31              2018   12    31



                         518,250              9.40%      370,491            7.33%



                       2,218,129          40.23%       1,879,759        37.19%
                       2,777,683          50.37%       2,804,301        55.48%
                       5,514,062         100.00%       5,054,551       100.00%




                                25
       2019         12   31          2018   12   31




   2,861,756              51.90%   2,654,129         52.51%
     109,923               1.99%      84,364          1.67%
     435,212               7.89%     484,992          9.59%
     521,077               9.45%     496,675          9.83%
     212,509               3.86%     191,690          3.79%
     152,433               2.76%     153,627          3.04%
   4,292,910              77.85%   4,065,477         80.43%



     524,874               9.52%     366,602         7.25%
     119,221               2.16%     108,739         2.15%
     160,840               2.92%     174,719         3.46%
     174,135               3.16%     153,056         3.03%
     979,070              17.76%     803,116        15.89%
     242,082               4.39%     185,958         3.68%
   5,514,062             100.00%   5,054,551       100.00%




76.65% 4,226,384                                 78.71% 3,978,636


14.29% 787,775                                   14.64% 740,206



4.76% 262,899
                                                 2.83% 142,856




4.30% 237,004                                    3.82% 192,853




                   26
 2019                        20,000        3.16%     2020-02-12   –
 2018                        13,880        4.98%     2025-01-12   –
 2017                        13,067        3.88%     2020-04-19   –
 2017                        11,200        4.39%     2027-09-08   –
 2018                         9,760        4.73%     2025-04-02   –
 2017                         8,890        3.54%     2020-01-06   –
 2018                         8,730        4.99%     2023-01-24   –
 2017                         8,450        3.98%     2020-04-19   –
 2018                         7,782        4.88%     2028-02-09   –
 2017                         7,450        3.80%     2020-02-27   –




                                               158,175.48
9,339.52        6.28%                               119,259.23
     6,694.69       5.95%                           5,578.43
     293.52          5.55%




                                      27
   2019   12      31           2018   12   31




 4,434,051         28.03%    4,178,962          28.08%
 3,619,512         22.88%    3,507,071          23.56%
   247,906          1.57%      246,380           1.66%
 8,301,469         52.48%    7,932,413          53.30%


 3,147,889         19.90%    2,935,661       19.72%
 3,416,862         21.60%    3,148,265       21.15%
   424,897          2.69%      338,544        2.28%
 6,989,648         44.19%    6,422,470       43.15%
   283,193          1.79%      287,808        1.93%
   243,238          1.54%      240,905        1.62%
15,817,548        100.00%   14,883,596      100.00%



 3,778,828         29.92%    3,588,353          30.19%
 2,559,842         20.27%    2,520,127          21.20%
   233,235          1.85%      229,768           1.93%
 6,571,905         52.04%    6,338,248          53.32%

 2,516,976         19.93%    2,312,488       19.45%
 2,894,407         22.92%    2,685,026       22.59%
   421,614          3.34%      331,064        2.79%
 5,832,997         46.19%    5,328,578       44.83%
   224,554          1.77%      219,969        1.85%
12,629,456        100.00%   11,886,795      100.00%




             28
                             75.40% 11,925,923                                   75.63% 11,256,454


                             11.61% 1,836,997                                    11.53% 1,716,821


                             7.94% 1,255,663                                     8.08% 1,202,357



                             5.05% 798,965                                       4.76% 707,964




                      19,766.96                            2,512.99                14.56%
                (1) 2019                              2,018.91
       1,874.05       (2)
  400                                   1,000                (3)
2018                                                      541.67         (4)
     68.26




              16




                                  41




                                  13,458.92                           3,427.08




                                                 29
2019                                                                                       4,842.66
6,623.58



                                                              1,656.78                                                        168.15



                                                              2,931.11                                                        637.74




                      2019            2018         2019          2018         2019        2018        2019         2018         2019          2018
                     318,865         303,945       39,835        38,831       15,485      16,930           65                  374,250       359,706
                     101,404          89,099       68,767        51,143        7,680       6,647       (2,091)      (2,789)    175,760       144,100

                       72,184          70,194       14,308        14,083       4,474       4,367       (1,354)      (1,436)      89,612        87,208
                     (140,920)       (131,958)     (51,388)      (39,956)     (7,686)     (6,967)       1,725        1,902     (198,269)     (176,979)
                     (101,010)        (98,872)      (1,429)       (1,114)        286         692                               (102,153)      (99,294)
                      178,338         162,224       56,843        51,004      15,765      17,302         (301)       (887)      250,645       229,643


                   17,923,536    16,932,306      4,217,013     4,197,031    2,062,659   2,009,680   (1,433,464) (1,871,742) 22,769,744     21,267,275
                   16,413,115    15,625,811      3,825,613     3,844,519    1,987,643   1,943,129   (1,433,323) (1,871,581) 20,793,048     19,541,878


                                 3
                            179,235.36                                                  9,912.30                                       5.85%
                       74.05% 2019                                                1,783.38                                             161.14
           9.93%                                                            71.07%

                                             42,170.13                                              199.82                         0.48%
                     17.43%                  2019                                    568.43                                    58.39
    11.45%                                                         22.65%

                            20,626.59                                                               529.79                         2.64%
                      8.52% 2019                                                     157.65                                    15.37
    8.88%                                                        6.28%




3




                                                                    30
  2019         2018
12 31        12 31



 371,232      273,447      97,785
  79,456       47,061      32,395    7,608
  67,562       49,983      17,579
 339,687      227,643     112,044     (199)



2,196,352    1,862,232    334,120
                                      (387)
  21,777       17,527       4,250
  93,335      124,126     (30,791)
                                     (3,853)
  (90,060)     (99,254)     9,194
  (14,767)       (876)    (13,891)      29
  (17,969)     (24,141)     6,172         –
  (26,113)     (20,517)    (5,596)      38
  (19,475)     (14,327)    (5,148)      (12)




     31
6




    32
    2019                     2018


497,424         90.44%   462,355     91.77%
221,123         40.21%   211,365     41.96%
186,744         33.95%   173,531     34.44%
 89,557         16.28%    77,459     15.37%
 35,226          6.40%    25,524      5.07%
 17,360          3.16%    15,927      3.16%
550,010        100.00%   503,806    100.00%




          33
2019   12   31     2018   12   31     2017   12   31


       6,027,076          5,884,433          5,495,494
         544,829            453,815            436,458


       1,729,564          1,594,165          1,451,822
       8,301,469          7,932,413          7,383,774


       5,544,204          5,026,322          4,551,168
         288,793            302,256            310,253


       1,156,651          1,093,892            969,807
       6,989,648          6,422,470          5,831,228


       5,591,228          5,057,654          4,761,874
         259,463            280,878            338,379


       2,135,689          2,009,066          1,872,448
       7,986,380          7,347,598          6,972,701


       4,450,464          3,933,840          3,481,682
           1,253              1,177              1,250

         596,092            505,068            440,925
       5,047,809          4,440,085          3,923,857




       34
        2019                                  4,141.63                      269.20
               6.95%



                             2019                            2018

                       187,866           45.36%          183,739        47.45%
                       163,429           39.46%          153,589        39.66%
                        62,925           15.19%           47,855        12.36%
                           (57)          (0.01%)           2,060         0.53%
                       414,163          100.00%          387,243       100.00%




2019                                    1,878.66                    41.27
       2.25%




                            60,270.76                          1,426.43
     2.42%             780.98                             119.75
18.11%




                               35
                  55,912.28           5,335.74
10.55%   371.93               37.32              9.12%




                        36
               1,600




               114
  1,448                     (CIPS)   289


(QFII/RQFII)




                                     H




                       37
 iGTB

                                         2019
        5.2




                       e



                                                2019
               7.32                 23.03%
        5.03          26.01%




(CRI)                      (ORI)




                               38
                                                                         4
                                                                               4,129
          38%                                             40
                                          4.30%




                                                                        2019             11


                        2014                                61
    125                  3




                                                                                522.66
                      539.49                             38.30                7.64%
           3,871.45                           1,659.87                  75.05%                1.6




4
                                                                 2019
                               [2019]48


                                                  39
                           2019                    61
           25
           2019




                             2019
     600    2015                           1,600




                                    2019
                       4




99                                                 46




                   4

           800




                             40
                                           2019
                      1,634.29     98.40              6.41%




                       25                             39

             23



                       55,442.04           5,178.82
10.30%            413.97




                                    E
                                                           E
         E

                                                  2019




                       44,504.64           5,166.24
13.13%




                            41
                           2020




                              8,215                   1,107        46
                                   1.6


                                                               |
                                               2019




                 (RAROC)



            Visa


                             ETC                         ETC


                                         +
                                               E
     70%
                 9.9%


                                         APP

                             200
16
           360




                                  42
     1.08
                                                  e
10




                   2019        2018
                 12 31       12 31
                 56,513.13   52,574.46    7.49%
                 12,495.01   11,065.73   12.92%
                 10,842.11   10,187.42    6.43%
                   2019        2018
                 71,152.78   59,410.75   19.76%
                 17,772.09   16,195.55    9.73%
                  3,256.06    2,791.32   16.65%




            43
                  2019    6.0
                300
1.81           28         24%   41%




               123        10




       1,894




                     44
39                110        99
             46


     (CME)




       4,573.56




                        45
                 2004
          100




                        335.88


                                                     ABN
            Auto-ABS




                                                       14,277




                                 499.85
    5.697




                                              10.5
8.62%
        3,530


                ETF                       220.82




                                     46
2022




            2019

                   1000




       47
2019                  22                     125                         166


                                                                                       2019
               75.24                   658.03                   108.81                  415.88
                           6.80%           444.67                            13.27%
       1.68%                          254.01%                            8.40




2019


                                                                                      4,542.35
           3,899.56            2019                     88.79
           24.42%



                                                 2019                          557
                  61




                                            48
500




                         30




                         38
               10
      (SOFR)




                    49
                        27                   13
                (CIPS)                                             434
                    12%




       46                          14                         27
10                 13         60




2019




                                                  528.64           30,260.56
                   3,074.92                          340.74




                                                              15




                                                                   BoC Pay
     BoC Bill




                                        50
                       8




           API




             JSH Virtual Ventures Holdings Limited
Livi VB Limited




                                                     2019




                                      51
            12
20

       21



                                              103
     4,625                      2,160
                 16%      32%           72%
                  (GMS)




                          52
                               2019




                                              35.39
      686.39          195.85                14.79




               2019
IPO




                                      APP




                       53
                              2019
                    2019




                                                     25.00
       483.12        127.38                   8.00




                  2019                                6      10
                                     5   12




 2019


2020     2   26




                                54
                                                          1.00
        46.79   37.03                              8.68



                                                                  6,512
                           3,818
2,528


                                                            TOP




                                   2019   7   4
                        100.00                 102.33            101.75




                                          744.92


   2019                  2019




                             55
  37.49            91.30                 41.25
26.42            0.28




                                                  35.38
          1,531.16              100.95           6.83




    II




                           56
                                                                             45.35
                  134.49                 42.34                     66.87
      2.42


                                                                  1.36
                                                        70
             30




      13                                                A     6             A-
                                 2019


    2019




    16.67                       211.05                15.32                  93.85
                  0.55


                                                                           30%


                                 120%
8
                    20                   E

                           36



                                                        A




                                                 57
                340.52               1,249.76                    641.06
                46.34




                           300                     50

                                                          2019
50            2019                  50                                            6




     100.00                726.13                103.88                    3.26




       2019                              1,188            50          40    16



                     100




                                           58
                   11.58                197.64
45.81           7.02




                                  68%
                54         12
                                 87              8
                                28               2
          523
    3.1




                     59
      IPO




300




      60
                                2019
93.93%                          243.77                    9.05%
         28.28                       41.17%




                 2019    12     31    2018    12     31
                            461.63               389.05     18.66%
                         18,230.62            16,623.61      9.67%
                         18,082.26            14,531.18     24.44%
                         11,274.03            11,376.78     (0.90%)




                              2019                 2018
                    2,043,340.71         1,900,071.23        7.54%
                      363,668.25           300,761.52       20.92%
                      282,785.69           200,311.65       41.17%




                                 T   1




                    61
        200




2019




       5G                5G
               5G
                              5G




                                    2019
              18




                                   O2O




                    62
2019
       10,652                               490
        557



                              2019    12    31      2018   12    31
 ATM                                       37,331               41,723       (10.53%)
                                           30,425               26,044        16.82%
                                            1,875               17,627       (89.36%)




                       2019                116.54                     15.15%




  5G




                                                                         7
                IPV6




                                 63
          iGTB
             E

5G




                 2019




     64
65
                      5
2019                          1,782.35                           112.94
  1.37%              0.05                                           3,259.23
          221.42                              182.86%                   0.89
                            1,699.51                           71.73
1.65%              0.11                                        2,893.14
    530.49                    2.22%                     0.68

5




                                         66
                               2019    12     31                2018     12       31



                           12,566,640           96.41%       11,278,379             95.68%
                              289,314            2.22%          342,363              2.90%
                               77,459            0.59%           49,788              0.42%
                               51,804            0.40%           49,341              0.42%
                               48,972            0.38%           67,812              0.58%
                           13,034,189          100.00%       11,787,683            100.00%
                              178,235            1.37%          166,941              1.42%


                            9,885,045           95.95%        8,818,838             95.10%
                              247,412            2.40%          291,933              3.15%
                               72,611            0.70%           48,281              0.52%
                               50,334            0.49%           47,536              0.51%
                               47,006            0.46%           66,961              0.72%
                           10,302,408          100.00%        9,273,549            100.00%
                              169,951            1.65%          162,778              1.76%




                                                                                              %
                                                   2019         2018                   2017
                                                      1.40         2.20                  1.97
                                                     21.45        23.70                 20.37
                                                     40.86        51.89                 57.97
                                                     18.76        33.57                 31.98


                       9
                                                                             12

                  125,149.48                   96.04%                                  3,369.02
        2.59%                           1,782.35                 1.37%

2019                       1,782.35                          112.83
1.37%           0.05                                                              1,699.51
            71.73                            1.65%                    0.11
                                                     82.84                             41.10
          0.30%                       0.13

                                        67
                                           2019              2018              2017


                                          166,952            157,882          145,311
                                           94,870             83,009           71,573
                                          (83,587)           (73,939)         (59,002)
                                          178,235            166,952          157,882


                                          162,778            154,208          141,458
                                           88,658             80,680           69,854
                                          (81,485)           (72,110)         (57,104)
                                          169,951            162,778          154,208




                        2019 12 31          2018 12 31              2017 12 31



                   10,125,083   150,532 9,074,501      151,313 8,325,013        145,605
                    2,909,106    27,703 2,713,182       15,639 2,571,545         12,277
                   13,034,189   178,235 11,787,683     166,952 10,896,558       157,882


                   10,041,692   149,808   8,991,494    151,292   8,243,556      145,540
                      260,716    20,143     282,055     11,486     339,629        8,668
                   10,302,408   169,951   9,273,549    162,778   8,583,185      154,208




                                                         4          3


2019                   987.71                  91.34                         0.80%
        0.15                                              974.56
93.94          1.00%            0.20




                                     68
                                                              %
                               2019       2018         2017
                             12 31      12 31        12 31
                   10             3.2        3.6          3.8
                   50            14.5       15.3         17.4



1


2




        17     3


        2019




    A                                       69,762      0.54%
    B                                       49,085      0.38%
    C                                       36,645      0.28%
    D                                       31,923      0.24%
    E                                       31,691      0.24%
    F                                       22,000      0.17%
    G                                       20,711      0.16%
    H                                       20,185      0.15%
    I                                       20,031      0.15%
    J                                       17,398      0.13%




                        69
                                             4




                                                       6
         25



                     2019   12   31                        2018   12   31


    25        (3,962) (1,077)    534        (29) (3,520)     (670)     328     (274)
    25         3,962   1,077     (534)       29   3,520       670      (328)    274




6




                                       70
2019



                                                                         %
                                      2019           2018        2017
                                    12 31          12 31       12 31
                            25            54.6         58.7          47.1
                            25            60.4         54.8          56.9




                   5



                                  2019   12   31        2018   12   31
                                         2,077,009             2,071,988
                                         (8,035,944)           (7,669,897)
 1                                       (1,010,716)             (651,459)
 1         3                               (348,821)             (591,520)
 3         1                                269,460               (54,305)
 1     5                                  2,721,272             3,238,374
 5                                        6,304,436             5,382,216
                                          1,976,696             1,725,397
               =       –




                             71
72
                                       2019




                               2019
218            1.40




      (RACA)           (KRI)   (LDC)




                      73
                       1,000   400
700                 400



      15.59%        0.62




               74
2019




         2019             2018             2019            2018
       12 31            12 31            12 31           12 31
       1,596,378        1,465,769        1,346,623        1,251,056
       1,806,435        1,575,293        1,546,517        1,350,770
       2,201,278        1,922,350        1,927,188        1,683,893
         11.30%           11.41%           10.99%           11.08%
         12.79%           12.27%           12.62%           11.96%
         15.59%           14.97%           15.72%           14.92%


                                         7




2019




                          2019      12   31       2018   12   31
                                     1,806,435            1,575,293
                                    24,303,201           22,700,133
                                        7.43%                6.94%


                                             5




                   75
2019                      11,699                             11,142
                 557                                    10,652
       38                 364                     10,249




             7,484,813          30.86%    2,091    17.87%     61,935   20.02%
               756,133           3.12%      939     8.04%     24,647    7.97%
             4,585,157          18.90%    3,572    30.53%     91,692   29.64%
             3,455,784          14.25%    2,820    24.10%     68,053   22.00%
             1,696,434           6.99%    1,720    14.70%     37,717   12.19%
             4,217,013          17.38%      427     3.65%     19,205    6.20%
             2,062,659           8.50%      130     1.11%      6,135    1.98%
            (1,488,249)
            22,769,744      100.00%      11,699   100.00%    309,384   100.00%




                                    76
2019              309,384                    284,044
           271,939                                     25,340
                                     5,318




  30                             26.01%      24.80%      34.74%
  31–40                         33.10%      33.01%      33.76%
  41–50                         27.65%      28.78%      19.50%
  51                             13.24%      13.41%      12.00%


                                 10.05%       8.59%      20.62%
                                 66.49%      68.39%      52.68%
                                 18.73%      18.96%      17.04%
                                  4.73%       4.06%       9.66%




                            14.36%                        9.72%
                            16.12%                        8.98%
                             0.37%                        2.58%
                            37.23%                       10.64%


2019




                                     77
                   1
                            12




            2019                     84,565
2,927,903




                                              40%
                                 3




                       78
2020




2020




2020        10%




       79
  2019




                          61
                                        2019
                   600
1,600




                                        2019
         14,119                   22   125



             103          4,625
2,160




                     80
                                    2019




                                                                           2019



                  2019                              1,173


                                 2019
            1.7                                                            4.4
                                        1.8
11.5                     7,000



                                              240                180
                                                                    2019     300

  19                                                        16
                                                                                 11




       10




                                   81
                  2019



                              2019     7,375.7
         16.58%




  2019                               2019
       ESG



2019




                         82
                                2019 1 1                                                       2019 12 31




                                      –         –   –        –    –     –      –               –         –

                         294,387,791,241   100.00%    –        –    –     –      – 294,387,791,241    100.00%

    1                    210,765,514,846    71.59%    –        –    –     –      – 210,765,514,846     71.59%

    2                     83,622,276,395    28.41%    –        –    –     –      –   83,622,276,395    28.41%

                         294,387,791,241   100.00%    –        –    –     –      – 294,387,791,241    100.00%




1       2019   12   31                                     294,387,791,241        210,765,514,846          A
        83,622,276,395   H


2       2019   12   31                     A          H




                                                           83
2019        12       31                                     700,005                         514,852      A          185,153
     H

                                                                               695,176                   510,829   A
     184,347          H

2019        12       31




1                                                      –    188,461,533,607     64.02%          –                     A
2                                               4,953,529     81,916,812,187     27.83%          –                     H
3                                                      –      8,596,044,925     2.92%           –                     A
4                                                      –      1,810,024,500     0.61%           –                     A
5                                                      –      1,060,059,360     0.36%           –                     A
6                                             262,826,587       912,435,969      0.31%           –                     A
7                                             420,886,318       839,587,874      0.29%           –                     A
                    005L     FH002
8        MUFG Bank, Ltd.                               –       520,357,200      0.18%           –                     H
9                                             236,234,219       489,508,446      0.17%           –                     A
                           005L   CT001
10                                                     –       382,238,605      0.13%           –                     A




H                                         H



                                                                                                       2019   12   31
                                                                                            H




                                                                                          005L        FH002
                                                                               005L       CT001




                                                                     84
    2019         12    31                                                                    336




                                                                                                   A                 H



                                                         188,461,533,607        A             89.42%                     –       64.02%
                                                           1,810,024,500        A              0.86%                     –        0.61%
                                                         190,271,558,107        A             90.28%                     –       64.63%
                                                           6,684,735,907        H                      –         7.99%            2.27%
BlackRock, Inc.                                            5,840,491,491        H                      –         6.98%            1.98%
                                                             3,041,000(S)       H                      –       0.0036%           0.0010%
Citigroup Inc.                                                   497,000        H                      –       0.0006%           0.0002%


                                                             535,617,373        H                      –         0.64%            0.18%
                                                           187,321,515(S)       H                      –         0.22%            0.06%
                                                         4,469,332,847(P)       H                      –         5.34%            1.52%
                                                           5,005,447,220        H                      –         5.99%            1.70%
                                                           187,321,515(S)       H                      –         0.22%            0.06%
                                                         4,469,332,847(P)       H                      –         5.34%            1.52%




1     BlackRock, Inc.                BlackRock Holdco 2 Inc.                                   BlackRock Holdco 2 Inc.
      BlackRock Financial Management, Inc.
      BlackRock, Inc.             BlackRock Holdco 2 Inc.                           BlackRock Financial Management, Inc.
                                BlackRock, Inc.        BlackRock Financial Management, Inc.
                        5,840,491,491          H            3,041,000       H                       5,840,491,491             H
      119,994,000        H                                  3,041,000       H


2     Citigroup        Inc.         Citicorp   LLC                              Citicorp     LLC            Citibank,     N.A.
                                                                      Citigroup       Inc.    Citicorp         LLC
      Citibank,        N.A.                          Citigroup   Inc.          Citibank,     N.A.
                  5,005,447,220         H               187,321,515        H                    5,005,447,220             H
      4,469,332,847           H                            238,489,967          H                                  187,321,515        H
                      146,016,715       H


3     (S)                     (P)


                                                                 85
                       2019   12   31
336




           2003   12    16




      86
     2019       12   31




1                                               34.68%
2                                               34.71%
3                                               40.03%
4                                               64.02%
5                                               57.11%
6                                               19.53%
7                                               53.95%
8                                               55.67%
9                                               100.00%
10                                              69.07%
11                                              20.05%
12                                              73.63%
13                                              71.56%
14                                              31.34%
15                                              44.32%
16                                              31.21%
17                                              70.00%
18                                              14.54%




1           A              H


2
                          2015   11        50




                                      87
                                                                             (www.china-inv.cn)
                                                                          2007 10 9



     2019    12     31                                                   10%




                                   [2019]387                                     [2019]1051
                  2019   6   24                                                                  730
                                      [2019]1164                                          2019   7
17                                                            2019   8   26
                                               270                                    [2019]1528
                                       2019     9    17


                                  [2019]630                                   [2020]254
            2020 3 4                                      28.20
              2020 3 5




                                                     88
2019     12       31                                 87


                                                                       87


2019     12       31




1                                                 200,000,000    220,000,000   13.75%
              5
2                                                          –    180,000,000   11.25%
3                              "              "   133,000,000    133,000,000   8.31%


4                                                  70,000,000     86,000,000   5.38%
                       005L   CT001
5                                                  69,000,000     69,000,000   4.31%


6                                         1        66,500,000     66,500,000   4.16%


7                                                  51,800,000     65,000,000   4.06%


8                                                          –     50,000,000   3.13%
9                                                  40,000,000     40,000,000   2.50%
10                                    2            38,000,000     38,000,000   2.38%



       2019       12     31                                                             005L
     CT001

                                                                               5




                                                                89
2019   10   23   2014   10   23        399,400,000




                                  30




                             90
1961        2018   10   2021


1963        2020   1    2022


1965        2019   2    2021


1962        2017   8    2020


1965        2017   8    2020


1964        2017   8    2020


1973        2019   7    2022


1964        2016   8    2022


1973        2017   1    2022


1971        2018   12   2021


1957        2019   9    2022


1960        2016   11   2022


1973        2018   12   2021


1962        2018   12   2021


1963        2018   12   2021


1955        2019   5    2022




       91
1953        2019     5    2022


1963        2019     12
1973        2019     2
1967        2019     5
1960        2014     11
1961        2018     6
1969        2019     2
1962        2018      3
            2018     4


            H   10,000




1960        2014     4    2019   4
1963        2019     2    2020   1
1964        2015     9    2019   6
1974        2018     9    2020   3
1963        2013     7    2019   7
1951        2013     9    2019   9
1958        2004     8    2019   5
1953        2015     6    2019   5
1964        2016     4    2019   1




       92
2019

       2019




         57.90          14.68     –    72.58
              –           –     –       –   –

         52.11          14.53     –    66.64

              –           –     –       –
              –           –     –       –
              –           –     –       –
              –           –     –       –
         62.08             –     –    62.08
         45.00             –     –    45.00
         45.49             –     –    45.49
         14.63             –     –    14.63
         57.90          14.68     –    72.58
          5.00             –     –     5.00
          5.00             –     –     5.00
          5.00             –     –     5.00
         14.47             –     –    14.47
         14.47             –     –    14.47
          4.34           1.20     –     5.54
         52.11          14.53     –    66.64
         30.40           8.39     –    38.79
         93.35          16.61   2.15   112.11
         93.35          17.32   2.15   112.82
         77.79          14.51   1.73    94.03
         88.90          17.43   4.49   110.82




                   93
                           2019




                                19.30          5.02     –             24.32
                                52.11         14.53     –             66.64

                                    –           –     –                  –
                                    –           –     –                  –
                                32.08            –     –             32.08
                                27.00            –     –             27.00
                                34.12          6.75   1.33             42.20
                                 9.76            –     –              9.76
                                 7.78          1.41   0.12              9.31




1                 2015     1    1


2                                                                    2019


3




4          2019          2007                                                    2009


5   2019


6


7                        2019


8

9   2019                                                     1,175




                                         94
                    2019




  2019       7                         2018                       2018   10       2019    7
             2018   8        2019 6                            2015 7         2018 6
                                2007   3       2015        2
2007     9      2015    2                                          2009 3         2015    6
                                              2014     3         2015 5



                                                                   2018 10         2019       11
                                           2018      12          2019 7
                        2019    7                                                             1987




  2020 1                                   2019      12                       2019
2017 7          2019    11                                 2015     8     2017 7

                                                                    2020 3
                               1984                                    1999




                                                  95
  2019 2                                            2018     3                                     1987
2015 5                 2018     1                                                                 2014 3        2015
5                                                   2010     10            2014       3


                                                             2018          4
                2018        5                                                                      2018 8
                                                            1987                                    2000




  2017 8                                              2014        8            2017       8
    2008 9    2014                    8
1991 12    2008 9



1982       8           2005     7




    2017       8                                           2019       2
                            2018     10                                                                    2014 4
        2017       8                                                                   2004 9            2014 4
                                                                                     2011 7            2012 7
                                                                          1996    10    2004 9


                                     1988       8                                                               2003
9        2012          7




    2017       8                                        2019          8
                                    2012    1       2017 6                                                        2007
    5          2011        12                                                         1985    7      1995   1
                                           1997 7    2007 5
                                             2005 10    2007 2
           2005


                                                            96
                                                                              1990   1      1997   6




  2019        7                                   2016    5      2019    7
                                                                                     2014    8
2016     5                                         2000 9    2014 8
                                                   1998 11    2000 9
                                1995   7      1998 11
1995     7                                                2002 12




  2016        8
                                                              1989       1995
       1999         2005                                             2006     2016




                                                                2001
                                                               2004
                         2007                                          2013
                  2014                                               1989 7
                                1999   1




  2017        1
                         1994   1996                          Morgan Stanley Smith Barney
                                                         1996   1999
       2001         2017                                                               2018
                                                        2005 5             BIMCO39
                         39                2005    9


                                                   97
                    2007       11                                                            2011   4




       1994                                                                                   (Magna Cum
Laude)         2001




  2018        12
                                                                                                  2002
                                                                                           2013     2017
                                                                                           2007     2010
                                                          2010      2016
                          2011         2014                  (KPMG)                                      2014
       2015


                    2012             2014          2017
                                                                      1995
                     1997                                                    2002




2019     9                                          1984                                          1985
                                                                  2012
              2013        4                                           2014   11
                                       2016        11
       2019        1                                                                2004
                   2014                                    2019



                              1982          1985




                                                            98
 2016     11                            2016 6
                                           2012         9     2016       7
          2015       6       2016   7                                        2010     4         2012   9
                                        1999        9       2010     4


               1983                                 2009




 2018     12


 1999     7
                                          1999




 2018     12                                                                                           1984
 9
                                                                             1984




 2018     12                                                                        1981       11
        1988     9
                                                             1999
                 2009




  2019 5
1983 12          2008    4


                                                                                2008       4        2010


                                               99
3                                               2010    3    2014   3




  2019 5
1979 3                2004   8
                                                                                       2004 9
      2009        8                                                     2009    9    2013 1
                                                 2013       2014




    2019     12                          2019               2018    2      2019     11
                                                        2013 12
                             2011   12



                                                                         1983
             2015




                                                 100
  2019       2                           1998                           2018     9       2019   2
                    2015 3           2018 11
                  2015 12           2018 11


                                                                                                                 2015
  3                                                              2018    12
                         2019   2                                                            2019      11
                                                        2019      12
2020     3                                                                       1998




  2019       5                             1988                         2015     6       2019   3
                           2012     1      2015     6
                                                               2019      10
                         1988                                            2000




  2014       11                                 1994                           2009     11      2014        11
                                        2004   5     2009         11
2007     1         2009    11                                                   1999 12          2004 5
                                                                                  2002 11          2004 5
                                                    1994




  2018       6                                     1994                        2014     12      2018        10
                                        2009   9          2014    12


                  1982




                                                        101
2019   2                    1991         2014   3   2019   2
                 2011   2     2014   3


                1991                     2000




2018   3                     2018    4                 1998




2019   2   3



2019   2   3


2019   4   28



2019   6   25



2019   6   28


2019   6   28



2019   6   28


2019   7   5




                                 102
2019   7    29



2019   8    1



2019   8    1


2019   8    1


2019   9    4



2019   9    4



2019   10       30



2020   1    14



2020   1    27



2020   3    5




2019   1    15



2019   1    15



2019   1    15

2019   5    17


                     103
2019   5    17             2019   8   9



2019   5    17             2019   8   9



2019   5    18




2019   1    18

2019   2    3


2019   2    3


2019   5    28


2019   6    27


2019   12       13


2019   12       30


2020   1    27




                     104
       A




2019




           105
2019




       106
107
       2019    1     4               2019                                   A




                                             2018–2020


                     7




       2019     5        17                                              2018
                                         A
2018                              2018                            2018
2018                           2019                                      2019




                                                           2017
              2017


                              20                    2018                        2018
                                                                                  2018




                                              108
    2019    12    31               2019                             A
                                  2018                                    2018




7




           2019   1    4   2019    5   17       2019    12     31




                                                       2018             2019
                                                        2019




                                          109
                                                         11
  2    4                          4




           11
           10
            9
            8                                   –

            7
            6
            5
            4
            3
            2
            1
            0




2019   1        25   3       29       4    29        6    28    8   30   10   30   12
  13                     7                                     72



                             15


2019                              3




                                          110
      2019
             2019




111
    3/3   9/10    7/8     –    –     –      –     –
    0/0    0/0     –     –    –     –      –     –
    1/2    8/9     –     –    –    9/9      –     –
    3/3   10/10    –     –   5/5   10/10    5/5     –
    3/3   10/10   8/8     –    –   10/10     –     –
    3/3   10/10   8/8     –    –     –    10/10    –
    1/1    6/6    3/3     –   2/2     –     –      –
    3/3   10/10   8/8     –   5/5   10/10   9/10     –
    2/3   8/10     –     –   5/5   5/10      –    1/4
    3/3   10/10   3/3     –   5/5    –     10/10   4/4
    1/1    5/5    2/2     –   1/1    –      4/4    1/1


    0/1    2/2    3/3     –    –     –      –     –
    2/2    8/9     –     –    –     –      –    3/3
    2/2    3/3    4/4     –   3/3     –      –     –
    3/3   10/10   8/8     –    –    3/3     5/5     –
    2/2    3/4    –      –   3/3    –      5/5    2/2
    2/2    5/5    –      –   4/4    –      6/6    3/3




1


2




                        112
2019
                     A.6.5
                                   5G


              2019




                         4




       3.13



2019




2019



2019




                             113
       [2003]56




                        2019   12   31
10,496.29




            8




                  114
2019                  6                      2
2019                       2018




                      2019    10         3




       (ESG)
         ESG                       ESG
                     ESG




   6




               115
2019                             5                                  1
                2019                                    2018            2019
                                                                        2018
       2019                           2018
                       2020
       2018                   2018      2019
                                                    3        2018
                                      2018
         2019                                2019
2018




                               2019                          2019




                                        2020
2019




         2019
                                                    2020
                                                           2020




                                116
       5




2019             6   4




           117
                  4




           2019                 4
4




                  5




    2019                    7       3
    2018
                            2019




                      118
                     3




              2019       4
2018
       2018




                             119
           6       1                  3   2




2019
       4       4
           4                3
       4




2019




                       32




                                120
  2018
                 2019
                    2019


2019     12    31
                                            2.29
                                                   1,400




                                 3,136.95



              2019




                           121
              2019
                                            2020


                                     2020




2019
                                                    2018
       2019




                e



                            2019




2019




2019
                                              100            2019
                                                           (League   of
American Communications Professionals)
 ARC(Annual Report Competition)
      (Hong Kong Management Association   HKMA)
            H


                                    122
                                                                                                 2019    12   31




30%




    2019                                                                                2019
  10 1.91                                                          2020      6    30
                                               2019


2020    6     30
                                                                                          A
       2020     7       15          H                                            2020   8 7



         2019 5              17              2018                                              0.184
          2018                                            A        H                            2019 6
                                                                                               541.67
                                             2019     6       30                               2019



         2019       1    25
                          2019           3   13                                                            15.40
                                             5.50%


         2019       8    30
                                                               2019         10    23


                                                                     4.39                                6.75%
                             2019       11   21                                                            19.20
                                             6.00%


                                                               123
   2020   1   13
               2020   3   13                                      15.40
                          5.50%




2019             0.191                 56,228   187,405    30%
2018             0.184                 54,167   180,086    30%
2017             0.176                 51,812   172,407    30%




                      2017   10    23                      439    6.75%


                      2017   11    21                     1,920   6.00%


                      2018   3    13                      1,540   5.50%


                      2018   10    23                      439    6.75%


                      2018   11    21                     1,920   6.00%


                      2019   3    13                      1,540   5.50%


                      2019   10    23                      439    6.75%


                      2019   11    21                     1,920   6.00%


                      2020   3    13                      1,540   5.50%




                                         124
2009

2013




               10%



2019   1   4    2019                       2018–2020




                             2019
                                    2018




                             2019




                       125
            H

            2020   7   9                  7   14
H                                                                                         H
                                                                       2020   7    8
       4   30
                                                                 183              17   1712–1716
           H               2020   7   7




                                                   11,760




                                                            38




                                                     20




2019




                                               126
             18




      2019   12   31
                             XV

352


                       127
      34




128
                28




              2019     12    31


A



              [2012]85
                 [2015]101
                    1                 1
                  1               1       1   50%
          1
    20%




                     129
                12



          10%


H




                     H                  10%



                                      H
                                [2008]897
H                        2008                     10%



                                              H




    10%




                                130
10%




      2019




             2020   3   27




       131
2019     3    29     4    28     8 30     10    30                       4
                               2018            2018                   2018
                   2018                            2018
                           2018
                          2019                   2019               2019
                             2018                                          2018
                                   2019
       2019         27          2019                            4


               9

2019




                                                          8/8
                                                          8/8
                                                          7/8
                                                          8/8
                                                          4/4
                                                          4/4


                                                          4/4
                                                          4/4




1


2




                                    132
2019                                       4
       3                                       2018
                                                        2018
                   2019
                                4                       2018
       2018     2018                             2018
         2019   2019                2019




2019




                          133
                      4                    15   29




                                2019




               2019



3
          14          8




                                       2




    LPR




                          134
2




    15




     135
2005   11




            43




                 136
                       2019   12   31




2019   12   31




                 137
2019




       138
                                                             1
                                                        22




              149          364
                                       2019   12   31
2019   12   31




                                       2019   12   31
       2019      12   31




                                 139
  1




140
                               2


2019   12   31
            130,687.85
   57%
3,259.23




1           17           3




                             141
    2019   12       31


                               27,363.79
                         12%




    2019   12       31


    5%




2               6




                                           142
7   46




         143
144
145
2020   3   27




                146
      ..........................................................   149
           .....................................................   150
           .....................................................   151
               .................................................   153
           .....................................................   155

             ...................................................   157
             ...................................................   158
                                             ...................   200
     ...........................................................   204

1               ................................................   205
2                          .....................................   206
3               ................................................   206
4                        .......................................   207
5                 ..............................................   207
6             ..................................................   208
7             ..................................................   209
8                                ...............................   210
9                 ..............................................   214
10          ....................................................   215
11                               ...............................   217
12                ..............................................   218
13                  ............................................   220
14                ..............................................   221
15            ..................................................   222
16                           ...................................   223
17                  ............................................   232
18            ..................................................   237
19                           ...................................   246
20            ..................................................   247
21            ..................................................   251
22            ..................................................   253
23                ..............................................   257
24            ..................................................   258
25                  ............................................   258
26                               ...............................   258
27            ..................................................   259
28                  ............................................   259

                               147
29       ..................................................   260
30       ..................................................   262
31           ..............................................   265
32       ..................................................   265
33           ..............................................   265
34             ............................................   267
35         ................................................   268
36       ..................................................   271
37                                    .....................   274
38                                           ..............   277
39           ..............................................   279
40             ............................................   279
41             ............................................   280
42                  .......................................   283
43       ..................................................   284
44       ..................................................   292
45             ............................................   298
46                    .....................................   300
47                        .................................   302
48                              ...........................   304
49       ..................................................   308

1    ......................................................   309
2                 .........................................   309
3        ..................................................   309
4        ..................................................   336
5          ................................................   346
6        ..................................................   352
7        ..................................................   359
8        ..................................................   363

                                                 ..........   364

1                                          ................   364
2            ..............................................   372
3        ..................................................   373
4        ..................................................   375
5      ....................................................   376
6                               ...........................   378



                          148
             2019        2018

       1     742,207     687,900
       1    (367,957)   (328,194)

            374,250     359,706

       2    104,917       99,997
       2    (15,305)     (12,789)

             89,612      87,208

       3     28,563       6,719
       4      3,477       2,817
       5     54,108      47,356

            550,010     503,806

       6    (198,269)   (176,979)
       9    (102,153)    (99,294)

            249,588     227,533
       19     1,057       2,110

            250,645     229,643
       10   (48,754)    (37,208)

            201,891     192,435


            187,405     180,086
             14,486      12,349

            201,891     192,435

       11
                0.61        0.59
                0.61        0.59


38.3




149
           2019        2018

           201,891     192,435

      12

                  13      (103)


             2,146      (1,216)
               (69)        (52)

             2,090      (1,371)




            11,919      22,072


              515         (600)

              (440)         59
             7,089      12,775
               602         197

            19,685      34,503

            21,775      33,132

           223,666     225,567



           205,601     209,946
            18,065      15,621

           223,666     225,567




150
             2019         2018
           12 31        12 31



      13      565,467      439,931
      14    2,078,809    2,331,053
      15      898,959    1,042,358
      26      155,466      145,010
              206,210      181,203
      16       93,335      124,126
      17   12,743,425   11,515,764
      18    5,514,062    5,054,551


             518,250      370,491


            2,218,129    1,879,759
            2,777,683    2,804,301
      19       23,210       23,369
      20      244,540      227,394
      21       23,108       22,086
      35       44,029       38,204
      22      179,124      122,226


           22,769,744   21,267,275




151
                                  2019         2018
                             12     31    12     31


                      24      1,668,046    1,731,209
                      25        846,277      907,521
                      26        155,609      145,187
                      27        639,675      612,267
                      28         19,475       14,327
                      16         90,060       99,254
                      29     15,817,548   14,883,596
                      30      1,096,087      782,127
                      31         28,011       32,761
                      32         59,102       27,894
                      33          2,533        2,825
                      35          5,452        4,548
                      36        365,173      298,362

                             20,793,048   19,541,878



                      37.1     294,388      294,388
                      37.4     199,893       99,714
                      37.2     136,012      142,135
                      37.3          (7)         (68)
                      12        19,613        1,417
                      38.1     174,762      157,464
                      38.2     250,100      231,525
                      38       776,940      686,405

                              1,851,701    1,612,980

                      39       124,995      112,417

                              1,976,696    1,725,397

                             22,769,744   21,267,275


2020   3   27




                152
      2019 1 1            294,388    99,714    142,135     1,417   157,464   231,525    686,405    (68)   112,417    1,725,397


                   12          –         –         –   18,196        –         –   187,405      –    18,065     223,666

                   38.1        –         –         –       –    17,298         –   (17,298)    –          –           –




153
                   38.2        –         –         –       –        –    18,575    (18,575)    –          –           –
                   38.3        –         –         –       –        –         –   (60,993)    –     (6,794)     (67,787)
                   37.3        –         –         –       –        –         –         –   61           –          61
                               –         –       (22)       –        –         –         –     –     1,380       1,358
                   37.4        –   100,179     (6,205)       –        –         –         –     –         –     93,974
                               –         –       104        –        –         –        (4)     –       (73)         27


      2019 12 31          294,388   199,893    136,012    19,613   174,762   250,100    776,940     (7)   124,995    1,976,696
      2018 1 1            294,388    99,714   141,880   (28,454)   141,247   207,402    605,277    (102)    79,910 1,541,262


                   12           –       –        –   29,860          –         –   180,086       –    15,621    225,567

                   38.1         –       –        –         –    16,217         –   (16,217)     –          –         –




154
                   38.2         –       –        –         –        –    24,123    (24,123)     –          –         –
                   38.3         –       –        –         –        –         –   (58,603)     –     (5,101)   (63,704)
                   37.3         –       –        –         –        –         –         –    34           –        34
                                –       –        –        –         –         –         –      –    20,583     20,583
                   12           –       –        –       11          –         –       (11)      –         –         –
                                –       –      255          –        –         –        (4)      –     1,404      1,655


      2018 12 31          294,388    99,714   142,135    1,417     157,464   231,525    686,405     (68)   112,417 1,725,397
         2019         2018


        250,645      229,643

        102,153       99,294
         21,136       13,403
          4,219        3,640

          (1,089)        (820)

            (91)        (148)
         (1,057)      (2,110)
       (155,126)    (144,326)
           (388)        (264)
         (1,981)      (2,817)
         30,942       21,718
         (1,497)      (1,652)
            876

          64,656      188,996
        (144,184)     107,814
         (25,019)      (8,447)
      (1,322,755)    (964,105)
        (184,386)    (173,682)
         (60,531)     298,113
         (59,590)    (138,637)
          27,391      110,368
         932,931    1,048,755
          (4,750)       2,133
          70,573        4,004

       (456,922)     690,873
        (27,344)     (28,515)

       (484,266)     662,358




155
              2019          2018




              10,554        10,273

               1,459         5,300
               1,693           499
             153,950       140,366
           2,800,591     2,425,239

               (1,249)       (3,246)

              (39,019)      (42,149)
           (3,093,657)   (2,722,573)
                    –        3,798

            (165,678)     (182,493)



             985,472       664,202
             139,961             –
               1,380        20,583
            (684,069)     (377,446)
             (28,770)      (14,332)
             (45,987)            –
             (60,993)      (58,603)

               (6,794)       (5,101)
               (7,089)           34

             293,111       229,337

              14,125        20,646

            (342,708)      729,848

           1,688,600       958,752

      42   1,345,892     1,688,600




156
2019




                                        1912      2        5                1949
                                                                            1949
                                                           1994
                                                                                         2004
       8   26                                                                          2006




       B0003H111000001
                 911000001000013428
                   1




                                                                           2019   12    31
                64.02%               2018   12        31          64.02%


                          2020   3     27




                                            157
2019




1




1.1 2019

       2019    1   1


                             16


              23
                        19
                        28
                                  2015–2017
          2017     12




                                               158
2019




1


1.1 2019

       2016     1                                                     16
                                  17                              4



                                       2019   1    1                              16
         2018                                     2018
                                                   2019   1   1
                                                                                            12



         2019                                                              2018



              2018
              2019       1    1                                            2019    1    1




       2018     12       31                                                            28,093
                                                                                        (938)
                                                                                         (53)
              2019       1    1                                                        (6,564)
                                                                                          544


       2019     1    1                                                                 21,082


       2019     1    1                                                                 22,563




                                                  159
2019




1


1.1 2019

                                             23                      12




                         19




                         28                                      9
           IFRS 9



                              2015–2017   2017   12
                     3                                      11
                12                                     23




                                           160
2019




1

1.2 2019




                    3                  2020 1 1
           1                           2020 1 1
               8
                    9                  2020 1 1
               39
                         7
                    17                 2021 1 1
                    10
               28


                             3




                                 161
2019




1


1.2 2019

           1               8




               9                 39                7




               17              IFRS 17
       4




               10                  28




           IFRS 17                       IFRS 17




                     162
2019




2


2.1




       163
2019




2


2.1




2.2



       20%   50%




                   164
2019




2


2.2




2.3




3


3.1




       165
2019




3

3.2




       



       



       




          166
2019




4


4.1




       167
2019




4

4.2

4.2.1




        168
2019




4


4.2

4.2.1

        (1)




        (2)




              169
2019




4


4.2

4.2.1

        (2)




              IAS 32




        (3)




                       170
2019




4


4.2

4.2.2




        171
2019




4


4.2

4.2.3




4.2.4




        172
2019




4

4.3




       173
2019




4

4.4




4.5




       174
2019




4

4.6




            12




       12




                 175
2019




4


4.6




       176
2019




4


4.6




             30




       177
2019




4


4.6




       IFRS 9




                      90




                178
2019




4


4.6




       12


                       IFRS 9




            12




            12




                 179
2019




4


4.6




                  12




       12



            180
2019




4

4.7




       181
2019




4


4.7




(1)




       182
2019




4


4.7

(2)




(3)




       183
2019




4

4.8




4.9




       184
2019




5




6




       185
2019




7




       186
2019




7

7.1




       15–50        3%          1.9%–6.5%
        3–15        3%         6.4%–32.4%
         4–6        3%        16.1%–24.3%


7.2




                25
                          0%    15%


7.3




8




          187
2019




8

8.1



             12




       (1)                (2)
                                (3)
                    (4)




                  188
2019




8


8.1




          (1)
       (2)




                189
2019




8

8.2




9




       190
2019




10




11




12


12.1




             2004   1   1




       191
2019




12


12.1




12.2

       2003   12   31




                        192
2019




12

12.3




12.4

(1)




       193
2019




12


12.4

(2)




12.5




13




       194
2019




14


14.1




14.2

(1)




(2)




       195
2019




14

14.3




15




16




       196
2019




17




18




       197
2019




19




20




20.1




20.2




       198
2019




20


20.2




21




22




       199
2019




1




             12




       200
2019




1




             及



2




       201
2019




2




3




4


                  12.2
       33




            202
2019




5




6




       203
2019




7




               25%
                 6%
             1%–7%
                 3%
                 2%



              16.5%




       204
2019




1


                                       2019          2018



                                      517,565       469,098
                    (1)
                                      155,126       144,326
                                       69,516        74,476


                                      742,207       687,900



                                      (269,324)    (229,998)
                                       (66,103)     (75,707)
                          (2)
                                       (32,530)     (22,489)


                                      (367,957)    (328,194)


                                      374,250       359,706



                                         1,497           1,652


       (1)



       (2)   2019                                 8.76




                                205
2019




2


                                    2019       2018


                                     32,831    29,943
                                     20,320    20,212
                                     14,713    13,670
                                     12,746    13,181
                                      7,154     7,740
                                      4,446     3,534
                                      4,120     3,597
                                      8,587     8,120


                                    104,917    99,997


                                    (15,305)   (12,789)


                                     89,612    87,208


3


                                    2019       2018


                                     15,303     9,910
                                      8,974     (4,574)
                                      2,378        423
                                      1,908        960

             (1)
                                     28,563     6,719


       (1)   2019
                    34.26    2018   13.55




                            206
2019




4


                                         2019     2018



                                          2,900    1,700

                    (1)
                                            577    1,117


                                          3,477    2,817


       (1)   2019    2018


5


                                         2019     2018

                            (1)
                                         26,819   20,965
                                         11,753   10,233
                                          6,484    7,658
                    (2)
                                          3,370    1,918
                                          1,251      949
                                  21        496      919


                                             91      148
             (3)
                                          3,844    4,566


                                         54,108   47,356




                                   207
2019




5

       (1)


                                                                 2019        2018



                                                                  28,073      21,037
                                                                  (7,591)     (6,259)


                                                                  20,482      14,778



                                                                   7,587       7,365
                                                                  (1,250)     (1,178)


                                                                   6,337       6,187


                                                                  26,819      20,965


       (2)   2019
                                     3.88   2018         2.65

       (3)   2019                                                            2.83
              2018            6.20

6

                                                                2019        2018

                               7                                 90,762      85,391
                     (1)(2)
                                                                 41,845      42,768

                                                                 21,829      13,093
                                                                  4,208       3,915
                                                                 21,175      13,451
                                                                  5,372       7,185
                                                                  4,984       4,744
                                                                  8,094       6,432

             (3)
                                                                198,269     176,979

                                                   208
2019




6

       (1)   2019                                         2.29      2018            2.32
                             0.72                                            2018
                    0.71


       (2)   2019                                                          14.05


       (3)   2019
                           136.44   2018         122.62


7


                                                          2019               2018


                                                          61,104              58,242
                                                           3,896               3,583
                                                              60                  85


                                                            4,085              3,644
                                                            6,249              6,835
                                                            4,178              2,372
                                                              207                206
                                                               76                 87
                                                              256                243
                                                            4,595              4,628
                                                            2,032              1,941
                                                               15                 13
                                                            4,009              3,512


                                                          90,762              85,391




                                           209
2019




8



       2019




                (4)
                               –(2)     579       65     82     726
                (4)(5)
                               –(2)     521       63     82     666
                (4)(6)
                               –(2)     193       24     26     243
                (4)(5)(6)
                               –(2)     521       63     82     666


          (1)
                               –            –     –     –      –
                (1)
                               –            –     –     –      –
                (1)
                               –            –     –     –      –
                (1)(5)
                               –            –     –     –      –
                (1)(6)
                               –            –     –     –      –
          (1)(6)
                               –            –     –     –      –


                             621             –     –     –    621
                             450             –     –     –    450
                             455             –     –     –    455
                (5)
                             146             –     –     –    146
                (6)
                             321             –     –     –    321
                (6)
                             270             –     –     –    270


                (4)
                               –        579       65     82     726
                              50(3)        –       –     –     50
                              50(3)        –       –     –     50
                              50(3)        –       –     –     50
                (5)
                             145           –       –     –    145
                (5)
                             145           –       –     –    145
                (4)(6)
                               –        341       35     46     422
                (6)
                              98           –       –     –     98

                            2,801       2,734     315    400    6,250



                                       210
2019




8

       2018




                (4)(6)
                            –(2)      745      69     75      889
                (4)
                            –(2)      248      24     26      298
                (4)
                            –(2)       56       5      6       67
                (4)
                            –(2)      335      32     36      403
                (4)
                            –(2)      502      50     56      608


          (1)
                            –            –     –     –       –
                (1)(6)
                            –            –     –     –       –
                (1)
                            –            –     –     –       –
                (1)
                            –            –     –     –       –
          (1)(6)
                            –            –     –     –       –
                (1)
                            –            –     –     –       –


                (6)
                          550             –     –     –     550
                (6)
                          400             –     –     –     400
                          493             –     –     –     493
                          425             –     –     –     425
                           17             –     –     –      17
       Nout WELLINK       297             –     –     –     297


                (4)
                            –         745      69     75      889
                (4)(6)
                            –       1,363      83    186    1,632
                            –           –      –     –       –
                            –           –      –     –       –
                            –           –      –     –       –
                (6)
                          260            –      –     –     260
                (4)
                            –         503      20     61      584
                           50(3)         –      –     –      50
                           50(3)         –      –     –      50
                           50(3)         –      –     –      50

                         2,592       4,497     352    521    7,962


                                    211
2019




8

       (1)   2019     2018


       (2)   2019     2018


       (3)


       (4)                                                                    2019
                                                                              2019



                                 2018                                  2019    8     30




                                                                                     3


       (5)                       2019    2     3                                                     2019    7     29
                                          2019         9    4                                                            2019   5
             17


       (6)            2019   4   28                                                                         2020    1   27
                                                       2019      6    25                                                     2020
             3    5                                                        2019      8    1
                      2019   9   4                                                            2019    5     18
                                        2019       5   17




                                                                212
2019




8




         2019   2018


                                      2019        2018

                                          24          23
                                         124         105
                                           4           4


                                         152         132




                                      2019        2018


       16,000,001–20,000,000                –          1
       20,000,001–50,000,000                4           4
       50,000,001–70,000,000                1           –




         2019   2018




                                213
2019




9


             2019       2018



              98,483    108,669


                288        (764)


              98,771    107,905



                (187)     1,132


                387         (46)


                200       1,086


               2,117    (10,194)
                 883        346


             101,971     99,143


                182        151


             102,153     99,294




       214
2019




10


                    2019          2018



                    43,643        20,726
                     5,297         5,036
                     4,768         5,917
                     3,870        (9,255)


                    57,578        22,424


       35.3         (8,824)       14,784


                    48,754        37,208




                       25%


                              5




              215
2019




10




                               2019       2018


                               250,645    229,643


                                62,661     57,411


                                (5,282)    (4,712)
                                 2,251      1,347
             (1)
                               (27,846)   (23,934)
                   (2)
                                13,442     10,977
                                 3,528     (3,881)


                                48,754     37,208


       (1)



       (2)




                         216
2019




11




       2019   2018



                           2019       2018


                           187,405    180,086
                            (6,826)    (6,791)


                           180,579    173,295


                           294,378    294,373


                              0.61       0.59




                           2019       2018


                           294,388    294,388
                               (10)       (15)


                           294,378    294,373




                     217
2019




12



             2019        2018


                    13     (103)

              2,790      (1,391)
               (644)        175
                (69)        (52)

              2,090      (1,371)



             17,694      28,821
             (3,795)     (5,684)
             (2,535)     (1,410)
                555         345

             11,919      22,072


                682        (804)
               (167)        204

                515        (600)


               (587)        127
                147         (68)

               (440)            59

              7,764      12,381

               (675)        394

              7,089      12,775

                602         197

             19,685      34,503

             21,775      33,132




       218
2019




12




       2018 1 1      (11,692)   (19,684)   2,922   (28,454)
                      21,087      8,725       59    29,871


       2019 1 1        9,395    (10,959)   2,981    1,417
                      13,139      4,787      270   18,196


       2019 12 31     22,534     (6,172)   3,251   19,613




                    219
2019




13


                                                   2019        2018
                                                 12 31       12 31


                                                   64,907      76,755


                                                  361,232     270,861
                                                    8,043      13,767
                                                  128,312      75,998


                                                      461           278

             (1)
                                                  498,048     360,904


                                                    3,060       2,698

                          (1)
                                                     (548)          (426)


                                                  500,560     363,176


                                                  565,467     439,931


       (1)         2019   2018   12   31                       12




                                           220
2019




14


                                                                                  2019        2018
                                                                                12 31       12 31

                          (1)
                                                                                1,498,666   1,575,873
                                     (2)
                                                                                  132,247      82,598
             (3)
                                                                                  447,048     671,249


                                                                                2,077,961   2,329,720


                                                                                     848       1,333


                                                                                2,078,809   2,331,053


       (1)
                   2019    12    31                                                              12.5%
              2018        12    31         14.0%   5.0% 2018   12   31   5.0%




       (2)


       (3)




                                                           221
2019




15


                                                2019              2018
                                              12 31             12 31

                                               134,671           172,366
                                               601,525           771,007
                                               139,744            83,223

                                                19,667               11,723

             (1)(2)
                                               895,607          1,038,319

                                                    4,090             4,404

                       (2)
                                                     (738)             (365)


                                               898,959          1,042,358


       (1)


                                                    2019              2018
                                               12     31         12     31



                                                    37,435            52,716
                                                    93,364           190,646
                                                    23,588            16,498
                                                           –            737


                                                154,387              260,597


                                                           –                –


                                                154,387              260,597


       (2)      2019   2018   12   31                           12




                                        222
2019




16




       223
2019




16

16.1


                                  2019 12 31                      2018 12 31




                   (1)
                          6,469,750   65,477   (52,598)   8,245,972    97,603   (73,652)
                            333,559    1,835    (2,019)     220,694     2,210    (1,829)
                              1,894       10        (6)       1,718         4       (11)


                          6,805,203   67,322   (54,623)   8,468,384    99,817   (75,492)



                          3,454,898   18,252   (23,188)   2,443,952    19,637   (18,012)
                             17,729       31       (29)      24,342        42       (44)
                              2,400        3       (27)      17,970         1       (39)


                          3,475,027   18,286   (23,244)   2,486,264    19,680   (18,095)


                              9,219     137      (184)       7,276       237      (208)



                           347,655     7,590   (12,009)    247,867      4,392    (5,459)

             (2)
                         10,637,104   93,335   (90,060) 11,209,791    124,126   (99,254)


       (1)




       (2)


                                         224
2019




16

16.2

(1)




(i)




       2019 12 31



                    113,883     372    (2,366)



                      4,351       –    (711)


                    118,234     372    (3,077)


       2018 12 31



                    117,618    1,788    (624)



                      4,280       –    (660)


                    121,898    1,788   (1,284)


                         225
2019




16

16.2

(1)

(i)




                    1         1            3            1
                                  3            1            5    5

       2019 12 31




                       760         2,806   11,014       63,807       35,496    113,883
                    2.89%         3.12%    2.29%        3.05%        3.17%




                     1,309            –    1,062        1,980            –     4,351
                    5.38%             –   4.50%        5.28%             –
                         –           –   6.5717       6.1217            –
                    0.9381            –        –      0.9294            –

       2018 12 31




                       206         2,127   11,529       71,852       31,904    117,618
                    2.95%         2.10%    3.34%        2.86%        3.23%




                         –           –           –    3,939          341      4,280
                         –           –           –   5.09%        5.50%
                         –           –           –   6.4848       6.0350
                         –           –           –   0.9337            –


                              226
2019




16


16.2

(1)

(ii)




       2019 12 31



                          –    (11,962)       –    (75)
                    105,905           –   2,520       –



                          –     (3,640)        –   711


                    105,905     (15,602)   2,520     636


       2018 12 31



                          –    (15,638)        –   174
                    101,287           –   (1,956)     –



                          –     (3,621)        –   660


                    101,287     (19,259)   (1,956)   834




                               227
2019




16


16.2

(1)

(iii)


                                                        2019       2018



                                                        (3,097)           192
                                                         3,291            115


                                                           194            307


(2)




                                                        2019
         2018


(i)

           2019 12 31
             1,044.19   2018   12   31         550.34             14.07
        2018 12 31




                                         228
2019




16


16.2

(2)

(ii)




       2019 12 31

                    41,128    29    (308)


                    41,128    29    (308)


       2018 12 31

                     2,157     –    (68)


                     2,157     –    (68)




                        229
2019




16


16.2

(2)

(ii)




                    1        1               3         1
                                 3               1         5        5


       2019 12 31




                        –        1,246      39,882            –       –   41,128
                        –         –        7.8355            –       –
                        –   15.0995        15.2113            –       –
                        –            –    73.2963            –       –


                        –            –    20.1698            –       –
                        –       0.6909           –           –       –
                        –            –   723.0169            –       –
                        –            –     1.3597            –       –


       2018 12 31




                        –            –      2,157            –       –    2,157
                        –            –    15.8892            –       –
                        –            –     5.9104            –       –


                             230
2019




16


16.2

(2)

(iii)


              2019      2018



                (849)     (475)

                 172           16



                (677)     (459)




        231
2019




17


17.1


                                                               2019          2018
                                                             12 31         12 31



                                                              7,644,359     7,117,954
                                                              5,047,809     4,440,085
                                                                  2,334         2,001

                                                       (1)


                                                               335,583       224,113


                                                             13,030,085    11,784,153

                                                 (2)


                                                                  4,104         3,530


                                                             13,034,189    11,787,683


                                                                34,596        31,589


                                                             13,068,785    11,819,272


                                                               (325,360)     (303,508)


                                                             12,743,425    11,515,764


       (1)     2019     12   31
                                  5.63   2018   12     31        2.73



       (2)   2019     2018



                                          232
2019




17

17.2
                         3.5


17.3

(1)


                                  2019
             12




                   95,789      76,603     131,116    303,508
                    5,590       (5,037)      (553)         –
                     (717)       4,411     (3,694)         –
                     (989)     (21,029)    22,018          –
       (i)
                   52,623       40,603     38,420    131,646
                  (37,580)     (25,687)   (14,631)   (77,898)
                   (4,917)       8,664     40,988     44,735
                     (269)           –   (84,735)   (85,004)


                          –        –      8,407      8,407
                          –        –     (1,497)    (1,497)
                        235       523         705      1,463


                  109,765      79,051     136,544    325,360




                  233
2019




17


17.3

(1)

                                        2018
                   12




                        87,094       76,050     117,419    280,563
                        10,301        (9,636)      (665)         –
                        (1,481)        1,929       (448)         –
                          (350)      (25,985)    26,335          –
             (i)
                        48,437        38,720     45,365    132,522
                        (39,519)     (20,181)   (13,102)   (72,802)
                         (9,674)      17,487     41,136     48,949
                           (192)      (1,969)   (89,497)   (91,658)


                                –        –      5,413      5,413
                                –        –     (1,652)    (1,652)
                              359        29         296        684
                              814       159         516      1,489


                        95,789       76,603     131,116    303,508


       (i)




                        234
2019




17


17.3

(2)


                          2019
       12




                  234      39     –     273
                  503      16     –     519
                  (192)    (39)   –    (231)
                     2       –   –       2


                  547      16     –     563


                          2018
       12




                  829     204     –   1,033
                  255      39     –     294
                  (854)   (204)   –   (1,058)
                     4       –   –        4


                  234      39     –     273




            235
2019




17


17.3

       2019




                                              698.20       2018              1,398.44
                                          219.63       2018             320.41
                                                597.60       2018              654.55
                                          223.40       2018             215.67
                                                450.59       2018              479.63
                                          32.73      2018              88.03
                                                         58.57
                     16.77         2018


                                                             784.04        2018
                 925.27                                               694.68        2018
                          792.58


                                                                      128.13       2018
                          172.39                                            101.93
              2018                                 19.69
                 49.27


                                                                           508.71
              2018             379.49
                     2.69        2018           1.92                3.54     2018




                                          236
2019




18


               2019       2018
             12 31      12 31




               16,807     10,495
                  595        647
               40,005     33,708
              169,477    113,103
               44,629     50,646


               23,416     20,595
                  177         23
               16,617     14,575
               10,721      5,085


              322,444    248,877


               79,456     47,061
               67,562     49,983



              469,462    345,921




       237
2019




18


                     2019       2018
                   12 31      12 31




       (1)




                      8,797      1,756
                      2,418      1,083
                      9,592      3,472
                      1,329        966


                      9,712      2,916
                      1,603      1,494
                      7,159      7,977
                      8,178      4,906



                     48,788     24,570



                    518,250    370,491




             238
2019




18


                     2019        2018
                   12 31       12 31




                    676,685     570,820
                     71,172      41,294
                    299,599     262,597
                    315,779     348,300
                    153,617     120,344


                    412,194     265,923
                     51,252      37,737
                    106,951     120,185
                    109,103      95,032


                   2,196,352   1,862,232

                     21,777      17,527



       (2)
                   2,218,129   1,879,759




             239
2019




18


                                       2019         2018
                                     12 31        12 31




       (3)(4)
                                     2,168,725    2,079,661
                                        39,425       43,610
                                       100,638      194,255
                                        30,637       34,781
                                        15,677       22,539
                         (5)
                                       152,433      153,627


                                       80,472       78,075
                                       66,356       69,650
                                       31,937       33,991
                                       47,588       49,299


                                     2,733,888    2,759,488

                                       13,544       14,757


                                       37,037       37,810


                                        (6,786)      (7,754)


                                     2,777,683    2,804,301

          (6)(7)(8)(9)
                                     5,514,062    5,054,551




                               240
2019




18

                             2019        2018
                           12 31       12 31




                             46,731      35,821
              (10)
                            255,171     209,996
                            216,348     124,674




                             130,743     129,653
              (10)
                           1,365,202   1,363,984
                             700,407     368,595



                              7,083       6,233
              (10)
                              3,215       2,018
                             11,479       9,276



                              31,896      38,550
              (10)
                           2,308,222   2,304,434
                             437,565     461,317


                           5,514,062   5,054,551


                             216,453     210,257
       (10)
                           3,931,810   3,880,432
                           1,365,799     963,862


                           5,514,062   5,054,551


                     241
2019




18


                                                          2019       12      31                  2018          12       31




                                                           31,896              32,847             38,550               38,155
                                                 (10)
                                                        2,308,222           2,670,795          2,304,434            2,318,733


       (1)



       (2)



               2019        12     31
                                12.54                   2018    12    31                  8.62


       (3)   1998     8     18                                                    425
             2028     8     18                          7.20%        2004    12   1                   2.25%


       (4)
                                                                                                                             2019
               12     31                                                               24.77          2018     12   31
               23.58


       (5)   1999          2000
                                2000     7   1                                        1,600                         2.25%
                                  2010                               2020    6    30
                                                                                                                         [2004]87
                                                                                        2019     12    31
                                             75.67                                                           2020   1    1




                                                           242
2019




18

       (6)    2019        2018


       (7)         2019   12     31



                                                                                      2019                           2018
                                                                                 12      31                     12     31


                                                                                   981,662                       981,414
                                                                            0.00%–5.31%                 0.00%–5.31%


       (8)         2019   12     31                                                     2,438.16         2018         12    31
                               2,809.24


       (9)         2019   12     31                     11.40                                            2018        12     31
                               11.23                      11.40                         2018       12   31
              11.23                       4.79                       2018   12    31                    17.55
                               0.05              2018     12    31               0.04


              12


       (10)




                                                    243
2019




18




                      2019
       12




            328        3     7,423    7,754
             53       (2)    (238)    (187)
               –      –    (800)    (800)
               2       –      17       19


            383        1     6,402    6,786


                      2018
       12




            428        4     6,127    6,559
            (150)     (2)    1,284    1,132
               –      –      (41)    (41)
              50       1        53     104


            328        3     7,423    7,754




                244
2019




18




                      2019
       12




             861       1     –    862
             384       3     –    387
               5       –    –      5


            1,250      4     –   1,254


                      2018
       12




             906       –    –    906
              (47)     1     –     (46)
                2      –    –       2


             861       1     –    862




                245
2019




19


                                                   2019           2018


                                                   23,369         17,180
                                                    2,011          8,820
                                                   (1,368)        (5,152)
                                                    1,057          2,110
                                                   (1,302)          (227)
                                                     (557)           638


                                                   23,210         23,369




                                       43.4


                                                   2019           2018
                                              12     31      12     31

                                                    4,733          4,553
                                                    4,479          4,549
                                                    1,569          1,504
                                                    1,438          1,374
                                                    1,264          1,227
                                                    1,100          1,710
       Wkland Investments II Limited                  923            876
       Livi VB Limited                                907
                                                      819            697
                                                      745            768
                                                    5,233          6,111


                                                   23,210         23,369


         2019   12   31



                                       246
2019




20


       2019




                        117,948          74,319     30,233     115,153    337,653
                            340           6,921     15,977      15,177     38,415

              21            356                –       (11)         –        345
                          2,238              816    (11,208)     8,154           –
                         (2,388)          (4,639)    (2,467)    (8,746)    (18,240)
                            583              239        381      2,083       3,286

                        119,077          77,656     32,905     131,821    361,459



                        (38,041)         (58,752)         –   (12,437)   (109,230)
                         (3,999)          (6,272)         –    (4,180)    (14,451)
                          1,755            4,443          –     2,131       8,329
                   21         9                –         –         –          9
                           (125)            (177)         –      (276)       (578)

                        (40,401)         (60,758)         –   (14,762)   (115,921)



                           (770)               –     (217)        (42)     (1,029)
                             (7)               –      (10)          –        (17)
                             14                –        –         39          53
                             (4)               –        –         (1)         (5)

                           (767)               –     (227)         (4)       (998)



                         79,137          15,567     30,016     102,674    227,394


                         77,909          16,898     32,678     117,055    244,540



                                   247
2019




20

       2018




                   113,913          72,096      22,522    100,551    309,082
                       321           5,715      19,850     11,662     37,548
              21     1,665               –          –         –     1,665
                     1,928             807     (11,960)     9,225          –
                      (834)         (4,712)       (816)   (11,181)   (17,543)
                       955             413         637      4,896      6,901

                   117,948          74,319     30,233     115,153    337,653



                   (34,732)         (56,683)         –   (10,954)   (102,369)
                    (3,626)          (6,185)         –    (3,592)    (13,403)
                       567            4,409          –     2,763       7,739
              21        47                –         –         –         47
                      (297)            (293)         –      (654)     (1,244)

                   (38,041)         (58,752)         –   (12,437)   (109,230)



                      (789)               –     (217)        (93)     (1,099)
                         –               –        –          –          –
                        15                –        –         56          71
                         4                –        –         (5)         (1)

                      (770)               –     (217)        (42)     (1,029)



                    78,392          15,413     22,305      89,504    205,614


                    79,137          15,567     30,016     102,674    227,394




                              248
2019




20

       2019   12    31
                   2018   12   31


       2019   12   31
                   1,146.59         2018   12    31   1,026.57

       2019 12 31                                                203.38
          2018 12 31                   223.64
           31




                                           249
2019




20



                      2019   12   31




                           2019          2018
                         12 31         12 31



       50                     3,694       3,464
       10–50                 8,521       8,525
       10                        10             –


                             12,225      11,989



       50                     4,353       4,198
       10–50                54,641      57,087
       10                     6,690       5,863


                             65,684      67,148


                             77,909      79,137




                250
2019




21


                                                       2019               2018


                                                       22,086             21,026
                                                          468              1,094
                               20                        (354)            (1,712)
                                                          (11)               (61)
                       5                                  496                919
                                                          423                820


                                                       23,108             22,086




                                                                          2019
       12   31
              140.59       66.66      2018    12 31              133.71
            66.68                            2019 12    31




                                    251
2019




21




                        2019       2018
                      12 31      12 31



       50                3,273      2,966
       10–50           10,556     10,185


                        13,829     13,151



       50                4,002      4,136
       10–50            5,002      4,467
       10                  275        332


                         9,279      8,935


                        23,108     22,086




                252
2019




22


                                             2019            2018
                                           12 31           12 31

                               (1)
                                            107,124          82,521
                         (2)
                                             22,822
                   (3)
                                             13,352          12,467
                         (4
                                              6,903           6,985
                                              3,222           3,306
                   (5)
                                              2,400           2,318
             (6)
                                              2,686           2,620
                                              1,878           1,422
                                             18,737          10,587


                                            179,124         122,226


       (1)


                                                 2019            2018
                                            12     31       12     31


                                             111,395             86,627
                                                 (4,271)         (4,106)


                                             107,124             82,521




                                     253
2019




22

       (1)




                     2019      12   31               2018       12   31



             1       101,442               (491)      78,494                (371)
             1   3     5,895               (900)       3,358              (1,029)
             3         4,058             (2,880)       4,775              (2,706)


                     111,395             (4,271)      86,627              (4,106)


       (2)


                                                   2019




                                         22,652           120             22,772
                                          7,341            38              7,379
                                           (624)           (3)              (627)
                                            131             1                132


                                         29,500           156             29,656



                                           (209)            –              (209)
                                         (6,632)          (53)            (6,685)
                                             81             –                81
                                            (21)            –               (21)


                                         (6,781)          (53)            (6,834)



                                         22,443           120             22,563


                                         22,719           103             22,822




                     254
2019




22

       (3)


                                 2019             2018



                                 22,946           19,995
                                  3,712            2,992
                                   (120)              (97)
                                        35               56


                                 26,573           22,946




                                 (10,479)          (8,390)
                                  (2,775)          (2,078)
                                        60               34
                                     (27)             (45)


                                 (13,221)         (10,479)



                                 12,467           11,605


                                 13,352           12,467


       (4)




                                 2019             2018
                            12     31        12     31



             50                         83               94
             10–50               6,093            6,058
             10                     727              833


                                  6,903            6,985


                      255
2019




22

       (5)




                                                                 2019                    2018
                                                            12     31               12     31


                                                                  2,596                   2,391
                                                                    615                     606
                                                                    159                     158


                                                                  3,370                   3,155


                                                                   (970)                   (837)


                                                                  2,400                   2,318


             2019                               2.76        2018             3.48
                                         2019   12     31


       (6)


                                                                 2019                    2018


                                                                  2,620                   2,481
                                                                        27                      44
                                                                        39                      95


                                                                  2,686                   2,620


                            2006                                                2.41
                    16.81




                                   256
2019




23
       2019




              303,508    98,483    (78,094)   1,463   325,360


                 273        288          –      2       563


                7,754      (187)     (800)      19      6,786


                  862       387         –       5      1,254
               21,354     2,117         –     126     23,597
                1,029        17       (53)       5        998
                   10         –        –       –        10
                  837       152       (23)       4        970
                5,935       896      (300)      (7)     6,524
              341,562   102,153    (79,270)   1,617   366,062

       2018




              280,563   108,669    (87,897)   2,173   303,508


                1,033      (764)         –      4       273


                6,559     1,132        (41)    104      7,754


                  906       (46)        –       2        862
               31,182   (10,194)        –     366     21,354
                1,099         –      (71)       1      1,029
                   15         –       (5)       –        10
                  657       145       (32)      67        837
                6,629       352      (907)    (139)     5,935

              328,643    99,294    (88,953)   2,578   341,562

               257
2019




24

               2019        2018
             12 31       12 31

               372,692     434,504
             1,050,961   1,016,374

              167,352     193,535

               71,913      79,036

             1,662,918   1,723,449

                5,128       7,760

             1,668,046   1,731,209


25

               2019        2018
             12 31       12 31

              218,364     204,758
              619,298     692,494

              837,662     897,252

                8,615      10,269

              846,277     907,521


26




       258
2019




27


                                                                             2019           2018
                                                                           12 31          12 31


                                                                            339,802        268,435
                                                                             52,278         29,495


                                                                            229,337        307,531


                                                                                16,434          4,999


                                                                            637,851        610,460


                                                                                 1,824          1,807

               (1)(2)
                                                                            639,675        612,267


       (1)                                      2019
                                                             2019    12    31                    147.67
                        2018     12   31        8.76



       (2)


                                                                                 2019           2018
                                                                            12     31      12     31

                           (i)
                                                                                177,410     285,018



              (i)                                                   41.2


28


             2019         2018        12   31




                                                       259
2019




29


                                 2019         2018
                               12 31        12 31



                                4,434,051    4,178,962
                                3,147,889    2,935,661


                                7,581,940    7,114,623



                                3,619,512    3,507,071
                                3,416,862    3,148,265


                                7,036,374    6,655,336

             (1)


                                 247,906      246,380
                                 424,897      338,544


                                 672,803      584,924


                                 283,193      287,808
       (2)
                                  75,063       73,751


                               15,649,373   14,716,442


                                 168,175      167,154

                   (3)
                               15,817,548   14,883,596




                         260
2019




29

       (1)
                                                                                             2019     12   31
                                          179.69      2018    12   31             241.41


             2019     2018



       (2)




               2019        12   31                                      76   34                        0.15%
             7.92% 2018         12   31       0.15%   7.92%


       (3)     2019        12   31                                                         2,900.76        2018
               12     31                  3,043.88




                                                             261
2019




30
                                                                                                 2019          2018
                                                                                               12 31         12 31


       2009
                (1)
                                                        2009 7 6           2024 7 8    4.00%          –       24,000
                                   (2)
       2010                                             2010 3 9          2025 3 11    4.68%     24,930        24,930
                                   (3)
       2011                                            2011 5 17          2026 5 19    5.30%     32,000        32,000
       2012
                (4)
                                                       2012 11 27         2027 11 29   4.99%     18,000        18,000
         (14)
                                                                                                 74,930        98,930

       2014
                             (5)
                                                        2014 8 8          2024 8 11    5.80%            –     29,972
       2014
                             (6)
                                                       2014 11 13         2024 11 13   5.00%     20,852        20,502
       2017
                                         (7)
                                                       2017 9 26          2027 9 28    4.45%     29,965        29,962
       2017
                                         (8)
                                                       2017 10 31         2027 11 2    4.45%     29,966        29,964
       2018
                                         (9)
                                                        2018 9 3           2028 9 5    4.86%     39,983        39,982
       2018
                                         (10)
                                                       2018 10 9          2028 10 11   4.84%     39,985        39,984
       2019
                                         01(11)        2019 9 20          2029 9 24    3.98%     29,988               –
       2019
                                         02(12)        2019 9 20          2034 9 24    4.34%      9,996               –
       2019
                                         (13)
                                                       2019 11 20         2029 11 22   4.01%     29,990               –
         (14)
                                                                                                230,725       190,366
                      (15)

                                                                                                223,192       216,750
                                                                                                 52,788        22,454
                                                                                                 58,500        76,090
                                                                                                334,480       315,294
                      (16)
                                                                                                423,658       150,273

                                                                                               1,063,793      754,863
                                                (17)
                                                                                                 26,113        20,517
                                                                                               1,089,906      775,380
                                                                                                   6,181        6,747
         (18)
                                                                                               1,096,087      782,127
                                                                    262
2019




30

       (1)   2009    7    6
                          4.00%
                     2019          7    8


       (2)   2010    3    9                                                                     4.68%


                                                                  3.00%


       (3)   2011    5    17                                                                    5.30%


                                                        5.30%


       (4)   2012    11       27                                                                         4.99%


                                                                4.99%


       (5)           2014          8    8        300                                           10
                     5.80%                                                2019   8   12



       (6)           2014          11       13     30                                     10
             5.00%


       (7)           2017          9    26       300                                           10
                     4.45%


       (8)           2017          10       31     300                                              10
                          4.45%




                                                        263
2019




30

       (9)             2018    9     3                400                                           10
                       4.86%


       (10)            2018    10     9               400                                           10
                       4.84%


       (11)            2019    9     20               300                                           10
                       3.98%


       (12)            2019    9     20               100                                           15
                       4.34%


       (13)            2019    11        20             300                                              10
                         4.01%


       (14)


       (15) 2013        2019
                                                                        2020   2030


       (16) 2018                                               2019                                           2020



       (17)
                                                                               2019     12     31


              261.13          2018       12   31            205.17
                                                     2018     12   31            2019        2018




       (18)                          2019     2018




                                                            264
2019




31



                                                                  20


          2019 12 31                                               150     6
       2.14% 3.26% 2018          12    31      2.65%     4.26%

                                2019    2018



32


                                                                         2019           2018
                                                                       12 31          12 31


                                                                         51,787         20,626
                                                                          6,039          5,966
                                                                            427            431
                                                                            297            282
                                                                            552            589


                                                                         59,102         27,894


33


        2019     12        31                                          2003 12 31
                                                          20.95          2018 12 31
       22.13                    4.38        2018    12   31                6.12        2019
       2018 12        31




                                                   265
2019




33




                2019          2018


                  2,825         3,027
                     85           110
                    (38)           78
                   (339)         (390)


                  2,533         2,825




                2019          2018
              12 31         12 31



                 3.25%         3.28%
                 2.50%         2.90%



                   3.0%          3.0%
             4.0%–3.0%    5.0%–3.0%


                  8.0%          8.0%



                     60            60
                  50/55         50/55




       266
2019




33




       2019    2018    12   31



34



              2005    11

                                       25%
                                       H




                                 267
2019




35


35.1




       2019     12   31             2018   12   31




       166,707        44,029        144,757      38,204
       (30,773)           (5,452)   (25,729)         (4,548)


       135,934        38,577        119,028      33,656




          268
2019




35

35.2

                                      2019     12    31              2018   12    31




                                     205,264             51,052     184,629        45,993

                                      18,137              4,510      18,371            4,582



                                      90,507             22,511      89,473        22,327


                                         835                209       5,386            1,059
                                      34,320              7,931      30,132            6,889

                                     349,063             86,213     327,991        80,850




                                      (93,862)           (23,336)   (112,457)      (28,114)


                                      (29,403)            (7,228)    (17,028)       (4,174)
                                      (20,629)            (3,521)    (18,909)       (3,208)
                                       (8,986)            (1,712)     (8,775)       (1,675)
                                      (60,249)           (11,839)    (51,794)      (10,023)

                                     (213,129)           (47,636)   (208,963)      (47,194)

                                     135,934             38,577     119,028        33,656


       2019   12     31
                          1,561.05      2018        12    31           1,420.76
              20.2

                                         269
2019




35

35.3


                  2019      2018


                  33,656    53,565
       10          8,824    (14,784)
                  (4,180)    (5,028)
                     277        (97)


                  38,577    33,656


35.4


                  2019      2018


                   5,059      (219)

                   4,962    (10,337)
                     (72)       (91)
                  (1,125)    (4,137)


                   8,824    (14,784)




            270
2019




36


                           2019       2018
                         12 31      12 31



                          113,742     96,719
                           10,169      9,346
                           66,628     63,647
             (1)
                           33,373     30,997
       (2)
                           21,590
       (3)
                           24,469     22,010
                           10,476      9,264
                           84,726     66,379


                          365,173    298,362




                   271
2019




36

       (1)


             2019




                                                    23,929      61,104   (61,368)   23,665
                                                         –      3,896    (3,896)        –

                                                        1,136    4,085    (3,626)    1,595
                                                          181    6,249    (6,271)      159
                                                          310    4,178    (2,347)    2,141
                                                            7      207      (208)        6
                                                            2       76       (76)        2
                                                            3      256      (256)        3
                                                           56    4,595    (4,612)       39
                                                        4,792    2,032    (1,688)    5,136
                                                           17       15       (13)       19
                                                          564    4,009    (3,965)      608

                    (i)
                                                    30,997      90,702   (88,326)   33,373


             2018




                                                    22,697      58,242   (57,010)   23,929
                                                         –      3,583    (3,583)        –

                                                        1,029    3,644    (3,537)    1,136
                                                          171    6,835    (6,825)      181
                                                           23    2,372    (2,085)      310
                                                            7      206      (206)        7
                                                            2       87       (87)        2
                                                            3      243      (243)        3
                                                           31    4,628    (4,603)       56
                                                        4,368    1,941    (1,517)    4,792
                                                           16       13       (12)       17
                                                          536    3,512    (3,484)      564

                    (i)
                                                    28,883      85,306   (83,192)   30,997


             (i)          2019   2018   12   31


                                                  272
2019




36

       (2)



                               2019           2018
                          12     31      12     31


                                6,307
                               12,965
                                8,860


                               28,132


                               21,590


       (3)


                               2019           2018
                          12     31      12     31


                               23,597         21,354
             41.1                 872            656


                               24,469         22,010




                               2019           2018


                               22,010         32,177
                                2,423         (10,120)
                                  (90)          (413)
                                  126            366


                               24,469         22,010




                    273
2019




37


37.1




                                2019              2018
                              12 31             12 31


           A   1         210,765,514,846   210,765,514,846
           H   1          83,622,276,395    83,622,276,395


                         294,387,791,241   294,387,791,241


       A   H


37.2


                                2019              2018
                              12 31             12 31


                                133,716           139,921
                                  2,296             2,214


                                136,012           142,135




                   274
2019




37

37.3




                                              2019    12         31                                         234             2018       12
             31            2,280

37.4

       2019

                                                     2019        1    1                                       2019          12    31




                     (1)
                                                     3.994            39,782          (3.994)    (39,782)              –              –
                                   (2)
                                                     3.200            31,963               –          –          3.200          31,963
                                   (3)
                                                     2.800            27,969               –          –          2.800          27,969
                                   (4)
                                                         –                –          7.300      72,979           7.300          72,979
                                   (5)
                                                         –                –          2.700      26,990           2.700          26,990


                                                     9.994            99,714            6.006     60,187          16.000         159,901


                                   (6)
                                                            –              –              –    39,992               –         39,992


                                                                      99,714                     100,179                         199,893



       (1)                                                           2019   10     23
                                                                                        1        6.1448


                                                        69.39


       (2)                                                       2014       11   21
                                    320                                      100                      320,000,000
                  6.0%



                             2019        11   21



                                                                     275
2019




37


37.4

       (3)                                  2015   3     13
                             280                       100    280,000,000
             5.5%



                      2020     3       13



       (4)                                  2019   6     24
                             730                   100        730,000,000   5
                    4.50%          5



                      2024     6       27



       (5)                                  2019   8     26
                             270                   100        270,000,000   5
                    4.35%          5



                      2024     8       29




                                            276
2019




37


37.4

       (6)                                  2019    1    25                             400
                                                              2019       1   29
                             100       5            4.50%            5


                                                                              5




38


38.1

                                                                     10%
                                                   50%



                    25%

             2020   3   27                               2019                     10%
                              165.76       2018                      159.46




                                             277
2019




38

38.2

                                                                             [2012]20



                                         1.5%                                             5

              2020     3   27                                  2019                               178.63
                                2018                 223.52




                     2019         2018    12 31
                67.73                    64.48


38.3




       2019     5     17                                              2018
                                                2018                                    541.67


                                     2019                                       0.191      2018
              0.184                    2019     12     31
                                 562.28                 2019                                     2020   6
         30




                                                       278
2019




38


38.3




              2019       1    25
                                                 2019      3        13
                             15.40


              2019       8    30
                                                                         2019   10   23
                              4.87            2019    11       21
                         19.20


39




                                                              2019                     2018
                                                            12 31                    12 31


                                                                96,257                 87,689
                                                                10,531                  9,440
                                                                10,180                  9,034
                                                                 8,027                  6,254


                                                               124,995                112,417


40


       2019    7     1


                2019         12    31                100%



                                        279
2019




41


41.1

       2019   12     31


                           2019   12    31
                                       8.72         2018    12    31              6.56
               36



41.2




                                                                     2019                  2018
                                                                   12 31                 12 31


                                                                        787,929           990,743
                                                                            387             1,603


                                                                        788,316           992,346


41.3



                                            2019      12    31
                                          220.67           2018    12       31            272.18
              2019    12   31
                                              22.71         2018       12    31            26.31




                                              280
2019




41

41.4


                                      2019                2018
                                    12 31               12 31



                                        53,752               64,650
                                         1,215                1,597


                                         1,048                 934
                                            66                  25


                                         1,231                   7


                                        57,312               67,213


41.5



       2019   12    31


           127.63          2018 12 31               117.53
           513.84          2018 12 31               474.94
         507.46          2018 12 31              502.48




                         281
2019




41

41.6




             2019 12 31                                                              597.46
              2018 12 31                         526.35




41.7


                                                                  2019                2018
                                                                12 31               12 31

                         (1)


                                      1                           244,733             186,425
                                      1                         1,360,065           1,127,891
                                                                1,010,283             954,394
                         (2)
                                                                1,049,629           1,070,825
                                                                  259,373             256,360
                                                                  133,571             130,625
                                                                   92,440              98,849
                                                                  192,476             167,642

              (3)
                                                                4,342,570           3,993,011


       (1)
                               2019   12   31                            2,995.56     2018    12
                    31                2,540.33


       (2)
                                                          282
2019




41


41.7

       (3)




                                      2019         2018
                                 12     31    12     31


                                 1,206,469    1,102,554



41.8

         2019   12   31                            2018
       12 31


42


                                                      3



                                  2019         2018
                                12 31        12 31


                                 347,724      264,526
                                 541,837      728,940
                                 393,674      638,472
                                  62,657       56,662


                                1,345,892    1,688,600




                          283
2019




43


43.1   2007   9   29                   15,500




43.2

(1)




                           8,282.09


                  64.02%
                  64.02%




                  911000007109329615




                                284
2019




43


43.2

(2)




               2019        2018
             12 31       12 31

               24,963      18,511
               (2,913)     (9,254)




               2019        2018

                  987         701
                 (320)       (259)


(3)




       285
2019




43

43.2

(3)




                      2019               2018
                 12     31          12     31

                    59,332             19,184
                   115,781             98,754
                   395,205            375,075
                     7,655             10,874
                    45,646             32,275
                  (185,610)          (164,636)
                  (244,059)          (124,456)
                    (5,459)            (6,434)
                    14,502             12,159




                      2019               2018

                      17,021             12,709
                      (9,679)            (6,499)




                      2019               2018
                 12     31          12     31

              0.00%–5.00%       0.00%–8.20%
             -0.20%–4.50%      -0.10%–8.00%
              0.00%–5.98%       0.00%–6.20%
              1.44%–6.05%       1.45%–6.18%
              0.00%–3.58%       0.00%–6.10%
             -0.55%–9.50%      -0.10%–9.50%

       286
2019




43

43.3




43.4




               2019          2018
             12 31         12 31


                1,373           763
               (6,046)       (4,709)
                   76            43




               2019          2018


                      41            22
                 (220)         (204)




       287
      2019




      43
      43.4




                                                                      %       %

                                               91310000736650364G    37.14   37.14     2,500




288
                                               91210800121119657C     8.86     (1)    20,000




                                               91110000717827478Q    20.00   20.00      100

                                                                     80.00     (1)    0.0025
                                               91510500711880825C    16.44     (1)     1,568

                                             91340202MA2N9TTA6R      25.50   25.50

             Wkland Investments II Limited                           50.00   50.00   0.00002
             Livi VB Limited                                         29.13   44.00     2,500
                                             91340202MA2TBMDD6Q      70.00     (1)

                                                91440000564568961E   40.00   40.00     1,578


             (1)
2019




43

43.5

                                                                                                    2019
       2018


43.6




                                                                                             2019     2018



                          2019       2018


                                                                           2019                 2018

                          (1)
                                                                                   9                   13
                                                                                   1                    1


                                                                                  10                   14


       (1)                                                   2019
                                              2019




43.7

              2019   12         31
                                                           4.10        2018        12   31
       1.68
                          0.23         2018    12    31             0.21




                                                     289
2019




43

43.8




               2019        2018
             12 31       12 31

               21,908      44,911
              152,839     127,644
              (88,195)    (87,797)
              (52,285)    (76,215)




               2019        2018


                1,569       1,465
               (2,165)     (2,825)




       290
      2019




      43
      43.8




                                                       %        %
             (1)


                               2001 9 12    34,806   100.00   100.00
                   (3)
                               1998 7 10     3,539   100.00   100.00




291
                               1992 7 23     3,749   100.00   100.00
                               1993 5 18    34,052   100.00   100.00
                                     1942    1,000    50.31    50.31
                               2007 9 24      250    100.00   100.00
                                2005 1 5     4,535   100.00   100.00
                               2017 11 16   10,000   100.00   100.00
                                2019 7 1    10,000   100.00   100.00


                         (2)
                               2001 9 12    52,864    66.06    66.06
                         (3)
                               1964 10 16   43,043    66.06   100.00
                                1980 9 9      480     66.06   100.00
                         (3)
                               1997 12 1      200     77.60   100.00
                   (2)
                               1993 11 25    1,158    70.00    70.00
2019




43


43.8

       (1)



       (2)


       (3)
             66%   34%         66.06%   100%




44




                         292
2019




44




       293
      2019




      44
             2019   12          31     2019


                                                 629,451       57,763       38,874       96,637       50,527      (34,408)       742,207
                                                (310,586)     (23,679)     (33,123)     (56,802)     (35,042)      34,473       (367,957)
                                                318,865       34,084        5,751       39,835        15,485           65       374,250
                                                 82,062       12,745         7,401      20,146         6,599        (3,890)     104,917
                                                 (9,878)      (3,703)       (2,135)     (5,838)       (2,125)        2,536      (15,305)
                                                 72,184        9,042        5,266       14,308         4,474        (1,354)       89,612
                                                 13,405        7,564        4,720       12,284         2,874            –        28,563
                                                  2,541          725           83          808           128            –         3,477
                          (1)
                                                 13,274       18,870       22,497       41,367           204         (737)        54,108




294
                                                 420,269       70,285       38,317     108,602        23,165        (2,026)      550,010
                    (1)
                                                (140,920)     (32,586)     (18,802)    (51,388)       (7,686)        1,725      (198,269)
                                                (101,010)      (1,780)         351      (1,429)          286             –     (102,153)
                                                178,339       35,919       19,866       55,785        15,765         (301)      249,588
                                                     (1)         (78)       1,136        1,058             –           –        1,057
                                                178,338       35,841       21,002       56,843        15,765         (301)      250,645

                                                                                                                                (48,754)
                                                                                                                                201,891
                                              17,915,544    2,673,071    1,528,724    4,201,795    2,062,659    (1,433,464)   22,746,534
                                                   7,992        1,076       14,142       15,218            –            –       23,210
                                              17,923,536    2,674,147    1,542,866    4,217,013    2,062,659    (1,433,464)   22,769,744
                                 (2)
                                                 119,684       30,670      162,255      192,925        9,788        (2,851)      319,546
                                              16,413,115    2,428,157    1,397,456    3,825,613    1,987,643    (1,433,323)   20,793,048


                                                  (6,817)      1,401       11,164       12,565       (5,813)           65              –
                                                     592         180        1,106        1,286         (523)       (1,355)             –
                                                  13,231       2,123       27,977       30,100          613             –        43,944
                                                  17,295       1,768        5,688        7,456          785          (181)        25,355
                                               3,675,635     313,084      131,772      444,856      528,004      (305,925)     4,342,570

             (1)
             (2)
      2019




      44
             2018   12          31     2018


                                                 587,134       50,368       38,798       89,166       48,106      (36,506)       687,900
                                                (283,189)     (18,318)     (32,017)     (50,335)     (31,176)      36,506       (328,194)
                                                303,945       32,050        6,781       38,831        16,930             –     359,706
                                                 77,836       12,612         6,691      19,303         6,169        (3,311)       99,997
                                                 (7,642)      (3,559)       (1,661)     (5,220)       (1,802)        1,875       (12,789)
                                                 70,194        9,053        5,030       14,083         4,367        (1,436)       87,208
                                                    (83)       2,322        2,444        4,766         2,036             –        6,719
                                                  2,859           17          (69)         (52)           10             –        2,817
                          (1)
                                                 16,129       14,600       17,746       32,346           234        (1,353)       47,356




295
                                                 393,044       58,042       31,932       89,974       23,577        (2,789)      503,806
                    (1)
                                                (131,958)     (23,322)     (16,634)     (39,956)      (6,967)        1,902      (176,979)
                                                 (98,872)      (1,048)         (66)      (1,114)         692             –      (99,294)
                                                162,214       33,672       15,232       48,904        17,302         (887)      227,533
                                                     10          (12)       2,112        2,100             –           –        2,110
                                                162,224       33,660       17,344       51,004        17,302         (887)      229,643
                                                                                                                                (37,208)
                                                                                                                                192,435
                                              16,925,075    2,553,366    1,627,527    4,180,893    2,009,680    (1,871,742)   21,243,906
                                                   7,231          164       15,974       16,138            –            –       23,369
                                              16,932,306    2,553,530    1,643,501    4,197,031    2,009,680    (1,871,742)   21,267,275
                                 (2)
                                                 100,098       27,719      143,779      171,498        5,837          (161)      277,272
                                              15,625,811    2,332,126    1,512,393    3,844,519    1,943,129    (1,871,581)   19,541,878

                                                 (10,009)      2,066       13,534       15,600       (5,591)            –             –
                                                      48          69        1,555        1,624         (236)       (1,436)             –
                                                  10,511       1,042       29,798       30,840          513             –        41,864
                                                  11,175       1,036        4,449        5,485          383             –        17,043
                                               3,519,912     278,653      102,467      381,120      462,753      (370,774)     3,993,011

             (1)
             (2)
      2019




      44
             2019   12   31   2019

                                       357,678      250,045      204,435     2,096      3,009      4,036     (79,092)      742,207
                                      (173,036)    (116,514)    (149,510)     (599)       (65)    (7,427)     79,194      (367,957)
                                      184,642      133,531        54,925     1,497      2,944     (3,391)       102       374,250
                                        32,753       54,472       14,190     3,997          2      2,085      (2,582)     104,917
                                        (1,307)      (8,765)      (2,068)   (1,086)    (3,988)      (317)      2,226      (15,305)
                                        31,446       45,707       12,122     2,911     (3,986)     1,768        (356)       89,612
                                         3,177        1,048       19,360      231       2,492      2,219          36        28,563
                                         1,346          237        1,791        –        101          2           –        3,477
                                           512        6,221        1,359      198      28,838     19,792      (2,812)       54,108




296
                                      221,123      186,744        89,557     4,837     30,389     20,390      (3,030)      550,010
                                      (64,142)     (76,833)      (19,210)   (2,487)   (29,209)    (9,429)      3,041      (198,269)
                                      (84,109)     (16,824)         (736)        –       (10)      (474)          –     (102,153)
                                        72,872       93,087       69,611     2,350      1,170     10,487         11       249,588

                                             –           –           –     280         (12)      822          (33)        1,057
                                        72,872       93,087       69,611     2,630      1,158     11,309         (22)     250,645
                                                                                                                           (48,754)
                                                                                                                          201,891
                                     8,415,724    5,064,429    8,587,356    83,987    180,054    527,396    (112,412)   22,746,534
                                             –           –           –    4,870          –    18,406         (66)       23,210
                                     8,415,724    5,064,429    8,587,356    88,857    180,054    545,802    (112,478)   22,769,744
                                     9,922,845    6,726,766    3,705,818    57,582    162,958    329,341    (112,262)   20,793,048

                                        27,877       48,737      (75,339)     419          30     (1,826)        102             –
                                           698        1,521           48     (320)     (1,871)       278        (354)            –
                                         4,120        4,631          219      193         122     34,659           –       43,944
                                         7,800        9,622        2,394      284         237      5,304        (286)       25,355
                                     3,157,694    1,184,876            –       –          –         –          –    4,342,570
      2019




      44
             2018   12   31   2018

                                       344,483     215,904      203,012     1,700      2,731      3,147    (83,077)      687,900
                                      (166,474)    (93,535)    (145,573)     (520)       (39)    (5,130)    83,077      (328,194)
                                      178,009      122,369       57,439     1,180      2,692     (1,983)         –     359,706
                                        30,556      48,729       16,691     4,419          2      1,901     (2,301)       99,997
                                        (1,238)     (6,923)      (1,886)   (1,224)    (3,369)      (125)     1,976       (12,789)
                                        29,318      41,806       14,805     3,195     (3,367)     1,776      (325)        87,208
                                         2,498         901        2,746      304      (1,586)     1,798         58         6,719
                                           923         142        1,705        –         48         (1)         –        2,817
                                           617       8,313          764      235      22,823     17,250     (2,646)       47,356




297
                                      211,365      173,531       77,459     4,914     20,610     18,840     (2,913)      503,806
                                      (58,987)     (71,483)     (17,456)   (2,949)   (19,448)    (9,569)     2,913      (176,979)
                                      (88,871)      (8,751)      (1,348)        1        (20)      (305)         –      (99,294)
                                        63,507      93,297       58,655     1,966      1,142      8,966          –     227,533

                                             –         63            3      375        (157)     1,896        (70)        2,110
                                        63,507      93,360       58,658     2,341        985     10,862        (70)     229,643
                                                                                                                         (37,208)
                                                                                                                        192,435
                                     7,628,839    4,438,581   8,629,971    65,239    149,592    423,944    (92,260)   21,243,906
                                             –         143           –    4,690          –    18,622        (86)       23,369
                                     7,628,839    4,438,724   8,629,971    69,929    149,592    442,566    (92,346)   21,267,275
                                     9,435,725    6,218,896   3,574,230    50,915    134,988    219,223    (92,099)   19,541,878

                                        36,820       43,889     (79,778)     161          54     (1,146)        –             –
                                           506        1,362          95     (403)     (1,493)       258      (325)             –
                                         3,263        3,618         178      130          81     34,594         –        41,864
                                         4,765        6,023       1,622      121          91      4,421         –        17,043
                                     2,859,851    1,133,160           –       –          –         –        –     3,993,011
2019




45




       2019    12   31         2018   12   31




          528            503   108,146     104,434




         298
2019




45




                                                                                   2019
       12   31                         9.56         2018     12    31      12.73




                                                                        499.85       2018
                      430.80          2019    12    31
                 152.50      2018   12 31                  96.39




                                              299
2019




46




46.1




               2019    12        31
                12,318.61             2018   12   31             11,572.01
                                                                6,388.65       2018    12    31
                7,627.25

       2019                                                                              69.04
        2018                 90.41

           2019        12   31



                                                                                       2019
                                                                                      1,800.50
        2018              1,223.22
                  2019 12 31                                        1,707.97          2018   12    31
                    1,070.00

                2019
                                                  5.70       2018              1.63
                                                                                              45


                                                       300
2019




46


46.1




       2019 12 31
                    53,349              –        –    53,349    53,349
                     2,396              –    8,163     10,559    10,559
                       905         68,192    44,008    113,105   113,105


       2018 12 31
                    39,237              –        –    39,237    39,237
                     2,420              –    8,561     10,981    10,981
                       759         49,195    48,613     98,567    98,567


46.2




                             301
2019




47




                                                           *

       2019   12   31
                        37,020         –   37,020   (27,391)   (2,034)    7,595
                         5,408         –    5,408    (5,408)        –        –
                        11,307   (10,344)      963         –        –      963

                        53,735   (10,344)   43,391   (32,799)   (2,034)    8,558

       2018   12   31
                        42,257         –   42,257   (25,990)   (2,891)   13,376
                         4,350         –    4,350    (4,350)        –        –
                        11,727    (8,072)    3,655         –        –    3,655

                        58,334    (8,072)   50,262   (30,340)   (2,891)   17,031




                                                           *

       2019   12   31
                        43,204         –   43,204   (27,904)   (6,433)    8,867
                           503         –      503      (503)        –        –
                        12,028   (10,344)    1,684         –        –    1,684

                        55,735   (10,344)   45,391   (28,407)   (6,433)   10,551


       2018   12   31
                        40,691         –   40,691   (25,976)   (2,029)   12,686
                        22,446         –   22,446   (22,446)        –        –
                         8,681    (8,072)      609         –        –      609

                        71,818    (8,072)   63,746   (48,422)   (2,029)   13,295


       *

                                     302
2019




47




       303
2019




48


48.1


               2019         2018
             12 31        12 31



                520,638      413,600
              1,913,236    1,958,832
                961,732    1,099,001
                  8,698        8,060
                197,914      175,333
                 68,731       96,497
             11,204,197   10,157,694
              4,343,595    4,221,661


               281,703      225,230


              1,422,035    1,316,998
              2,639,857    2,679,433
                123,658      111,884
                  7,998        7,317
                209,092      127,192
                 83,403       82,440
                  2,338        2,002
                 45,284       38,208
                 83,331       43,312


             19,773,845   18,543,033




       304
2019




48


48.1

                               2019         2018
                             12 31        12 31


                              1,672,571    1,721,071
                                791,046      847,493
                                  8,842        8,237
                                587,735      586,749
                                  2,158        2,642
                                 61,919       74,855
                             13,788,093   12,999,376
                              1,004,095      704,886
                                 50,851       23,826
                                  2,537        2,825
                                    308          121
                                149,809      126,520

                             18,119,964   17,098,601



                               294,388      294,388
                               199,893       99,714
                               132,627      138,832
                                19,292        8,596
                               171,003      154,313
                               240,279      222,462
                               596,399      526,127

                              1,653,881    1,444,432

                             19,773,845   18,543,033


       2020   3   27




                       305
      2019




      48

      48.2




             2019   1    1        294,388    99,714    138,832     8,596    154,313   222,462    526,127    1,444,432

                                       –         –         –   10,704         –         –   165,764     176,468




306
                                       –         –         –        –    16,690         –   (16,690)           –
                                       –         –         –        –        –    17,817    (17,817)           –
                                       –         –         –        –        –         –   (60,993)     (60,993)
                                       –   100,179     (6,205)        –        –         –         –      93,974
                                       –         –         –       (8)        –         –         8            –


             2019   12       31   294,388   199,893    132,627    19,292    171,003   240,279    596,399    1,653,881
      2019




      48


      48.2




             2018   1    1        294,388   99,714   138,832   (9,902)   138,275   200,022   463,809    1,325,138




307
                                       –       –        –   18,437         –        –   159,460     177,897


                                       –       –        –        –    16,038        –   (16,038)           –
                                       –       –        –        –        –    22,440   (22,440)           –
                                       –       –        –        –        –        –   (58,603)     (58,603)
                                       –       –        –      61          –        –       (61)           –


             2018   12       31   294,388   99,714   138,832    8,596    154,313   222,462   526,127    1,444,432
2019




49




                2020     1    13
                               2020 3        13                                      5.5%
                                15.40




                                                                [2020]254
                          2                                  100            2020     2   26
              2,820,000,000                       3.60%
                   197,865,300               2020 3 4




         2020       3   11                 2010         15                               249.3
                                                                    2020    3   12




       2020     1



                2019     12    31
                                    2020




                                                  308
2019




1




2




3




       309
2019




3

3.1

(1)




       310
2019




3


3.1

(1)




                   PD                                 PD




                                 A B C D                      AAA AA
       A   BBB+   BBB   BBB-   BB+ BB BB- B+   B-   CCC    CC C D
                  D




                                    311
2019




3


3.1

(2)




       2008




(3)




3.2




              312
2019




3


3.2

(1)

(i)




       (1)         (2)   (3)




(ii)




             313
2019




3


3.2

(2)

(i)




             95%
             90%
             85%
             50%
             70%
             70%
             50%




       314
2019




3


3.2

(2)

(i)




                   41.3


(ii)




3.3

       4.6




             315
2019




3

3.4

               2019         2018
             12 31        12 31



                500,560      363,176
              2,078,809    2,331,053
                898,959    1,042,358
                155,466      145,010
                 93,335      124,126
             12,743,425   11,515,764



               378,131      279,472

              2,196,352    1,862,232
              2,777,683    2,804,301
                115,941      88,012


             21,938,661   20,555,504



              1,049,629    1,070,825
              3,292,941    2,922,186


              4,342,570    3,993,011


             26,281,231   24,548,515




       316
2019




3


3.4

                          2019   2018    12   31




         2019 12 31                                48.49%
             2018 12 31      46.91%     20.31%              2018   12   31
       20.09%




                                        317
2019




3

3.5




(1)

(i)


          2019     12   31           2018   12   31



       10,302,408        79.04%    9,273,549      78.67%
        1,697,434        13.02%    1,515,844      12.86%
        1,034,347         7.94%      998,290       8.47%


       13,034,189       100.00%   11,787,683     100.00%


          2019     12   31           2018   12   31



        1,573,127        15.27%    1,456,249      15.70%
          494,186         4.80%      501,420       5.41%
        4,016,742        38.99%    3,622,159      39.06%
        2,875,436        27.91%    2,499,434      26.95%
        1,342,917        13.03%    1,194,287      12.88%


       10,302,408       100.00%    9,273,549     100.00%




             318
2019




3


3.5

(1)

(ii)




       2019   12   31


                           996,845     108,177    127,170     1,232,192
                         4,853,846   1,051,188    849,154     6,754,188
                         4,451,717     538,069     58,023     5,047,809


                        10,302,408   1,697,434   1,034,347   13,034,189


       2018   12   31


                           778,907     95,793     128,916     1,003,616
                         4,559,625    964,102     820,255     6,343,982
                         3,935,017    455,949      49,119     4,440,085


                         9,273,549   1,515,844    998,290    11,787,683




                              319
2019




3


3.5

(1)

(iii)


           2019     12   31              2018   12   31




         1,706,650        13.09%       1,516,354      12.86%
         1,679,202        12.88%       1,674,340      14.21%
         1,294,922         9.93%       1,182,411      10.03%
         1,042,664         8.00%         915,793       7.77%

          649,289             4.98%     648,849           5.50%
          565,333             4.34%     398,478           3.38%
          293,375             2.25%     320,369           2.72%
          255,160             1.96%     239,397           2.03%

          199,376             1.53%     167,811           1.42%
          149,855             1.15%     125,917           1.07%
          150,554             1.16%     157,879           1.34%


         7,986,380        61.27%       7,347,598      62.33%



         3,993,271        30.64%       3,503,563      29.72%
           476,743         3.66%         426,338       3.62%
           577,795         4.43%         510,184       4.33%


         5,047,809        38.73%       4,440,085      37.67%


        13,034,189       100.00%      11,787,683     100.00%

              320
2019




3


3.5

(1)

(iii)

           2019     12   31             2018   12   31




         1,269,121        12.32%      1,130,498      12.19%
         1,285,438        12.48%      1,296,509      13.98%
         1,129,091        10.96%      1,009,087      10.88%
           553,951         5.38%        469,358       5.06%

          489,086             4.75%    504,348           5.44%
          398,095             3.86%    253,212           2.73%
          165,218             1.60%    178,471           1.92%
          214,351             2.08%    200,982           2.17%

          188,387             1.83%    157,594           1.70%
          120,595             1.17%    107,201           1.16%
           37,358             0.36%     31,272           0.34%


         5,850,691        56.79%      5,338,532      57.57%



         3,582,138        34.77%      3,154,164      34.01%
           462,150         4.49%        411,145       4.43%
           407,429         3.95%        369,708       3.99%


         4,451,717        43.21%      3,935,017      42.43%


        10,302,408       100.00%      9,273,549     100.00%


              321
2019




3


3.5

(1)

(iv)


          2019     12   31           2018   12   31



        4,151,941        31.86%    3,636,400      30.84%
        1,572,146        12.06%    1,837,442      15.59%
        7,310,102        56.08%    6,313,841      53.57%


       13,034,189       100.00%   11,787,683     100.00%


          2019     12   31           2018   12   31



        2,923,150        28.37%    2,585,343      27.88%
        1,211,994        11.77%    1,417,321      15.28%
        6,167,264        59.86%    5,270,885      56.84%


       10,302,408       100.00%    9,273,549     100.00%




             322
2019




3


3.5

(2)

(i)


             2019 12 31                  2018 12 31



       169,951   95.35%    1.65%   162,778   97.50%    1.76%
         3,842    2.16%    0.23%     2,720    1.63%    0.18%
         4,442    2.49%    0.43%     1,454    0.87%    0.15%


       178,235   100.00%   1.37%   166,952   100.00%   1.42%


             2019 12 31                  2018 12 31



        31,762   18.69%    2.02%    23,053   14.16%    1.58%
        22,123   13.02%    4.48%    40,580   24.93%    8.09%
        59,764   35.17%    1.49%    56,423   34.66%    1.56%
        39,060   22.98%    1.36%    28,114   17.28%    1.12%
        17,242   10.14%    1.28%    14,608    8.97%    1.22%


       169,951   100.00%   1.65%   162,778   100.00%   1.76%




                     323
2019




3


3.5

(2)

(ii)


             2019 12 31                  2018 12 31



       149,427   83.84%    1.87%   139,108   83.32%    1.89%
        28,808   16.16%    0.57%    27,844   16.68%    0.63%


       178,235   100.00%   1.37%   166,952   100.00%   1.42%


             2019 12 31                  2018 12 31



       141,978   83.54%    2.43%   135,421   83.19%    2.54%
        27,973   16.46%    0.63%    27,357   16.81%    0.70%


       169,951   100.00%   1.65%   162,778   100.00%   1.76%




                     324
2019




3


3.5

(2)

(iii)

                  2019 12 31                      2018 12 31




         45,104       25.31%   3.55%     38,579       23.11%   3.41%
         59,646       33.46%   4.64%     70,092       41.98%   5.41%

          8,276        4.64%   0.73%      7,453        4.46%   0.74%
          2,936        1.65%   0.53%      4,370        2.62%   0.93%

         10,954        6.15%   2.24%      1,952        1.17%   0.39%
            225        0.13%   0.06%        127        0.08%   0.05%
          4,946        2.77%   2.99%      5,494        3.29%   3.08%
          3,561        2.00%   1.66%      2,423        1.45%   1.21%

          1,594        0.89%    0.85%     1,223        0.73%    0.78%
            877        0.49%    0.73%       159        0.10%    0.15%
          3,859        2.17%   10.33%     3,549        2.13%   11.35%

        141,978       79.66%   2.43%    135,421       81.12%   2.54%



         10,463        5.87%   0.29%     10,225        6.12%   0.32%
         10,269        5.76%   2.22%      9,636        5.77%   2.34%
          7,241        4.06%   1.78%      7,496        4.49%   2.03%

         27,973       15.69%   0.63%     27,357       16.38%   0.70%

        169,951       95.35%   1.65%    162,778       97.50%   1.76%



          8,284        4.65%   0.30%      4,174        2.50%   0.17%

        178,235      100.00%   1.37%    166,952      100.00%   1.42%


                         325
2019




3


3.5

(2)

(iv)




       2019   12   31
                              169,951   (131,307)   38,644
                                3,842     (2,462)    1,380
                                4,442     (2,775)    1,667


                              178,235   (136,544)   41,691


       2018   12   31
                              162,778   (128,714)   34,064
                                2,720     (1,407)    1,313
                                1,454       (995)      459


                              166,952   (131,116)   35,836




                        326
2019




3


3.5

(2)

(v)




         2019       2018       2019       2018
       12 31      12 31      12 31      12 31

         94,007     88,150     92,737     86,343
         55,420     50,958     49,241     49,078


        149,427    139,108    141,978    135,421


         49,054     48,353     46,939     45,404




           327
2019




3


3.5

(3)




                               6




                                         2019   2018   12   31



       2019   2018   12   31                     90




                                   328
2019




3


3.5

(4)

(i)




                        1         91        361
                            90     360            3   3


       2019   12   31
                         8,937     12,236     7,591        2,086    30,850
                         8,956     11,150    12,747        1,949    34,802
                        44,945     22,056    23,917        6,059    96,977


                        62,838     45,442    44,255       10,094   162,629


       2018   12   31
                        11,682     16,415     7,353        2,016    37,466
                        18,927     30,269    25,358        5,098    79,652
                        54,145     23,805    19,692        5,191   102,833


                        84,754     70,489    52,403       12,305   219,951




                                 329
2019




3


3.5

(4)

(i)




                        1         91        361
                            90     360            3   3


       2019   12   31
                         7,141     10,611     6,835        2,071    26,658
                         8,650     10,927    12,673        1,661    33,911
                        40,651     19,291    23,650        5,817    89,409


                        56,442     40,829    43,158        9,549   149,978


       2018   12   31
                         8,867     15,652     6,875        1,994    33,388
                        15,425     30,202    25,072        5,062    75,761
                        43,837     23,539    18,998        5,116    91,490


                        68,129     69,393    50,945       12,172   200,639




                                 330
2019




3


3.5

(4)

(ii)

                                          2019             2018
                                        12 31            12 31

                                         149,978           200,639
                                           7,171             7,972
                                           5,480            11,340

                                         162,629           219,951
                                          1.25%             1.87%
       3                                 (62,838)          (84,754)

       3                                  99,791           135,197


(5)




                            2019   12    31
           12




            12,514,948       47,588                 –   12,562,536
                     –     289,314                 –      289,314
                     –           –           77,459        77,459
                     –           –           51,804        51,804
                     –           –           48,972        48,972

            12,514,948      336,902           178,235    13,030,085




                      331
2019




3


3.5

(5)

                                                      2018    12   31
                                    12




                                     11,183,826        91,017                 6   11,274,849
                                              –      342,358                 5      342,363
                                              –            –           49,788       49,788
                                              –            –           49,341       49,341
                                              –            –           67,812       67,812


                                     11,183,826       433,375           166,952   11,784,153


       2019   2018        12   31



3.6




       2019   12     31
                                           13            15                         A




                                                332
2019




3

3.7




                                     A                 A
       2019   12   31

                         12,997          2,848,409        350    2,861,756
                        109,923                  –         –     109,923
                              –           435,212          –     435,212
                         86,765            219,640    214,672      521,077
                         64,457            121,200     26,852      212,509
                        152,433                  –         –     152,433

                        426,575          3,624,461    241,874    4,292,910



                          2,364           506,421      16,089     524,874
                         60,332            58,889           –    119,221
                          5,675           123,249      31,916     160,840
                         11,957           127,515      34,663     174,135

                         80,328           816,074      82,668     979,070

                        506,903          4,440,535    324,542    5,271,980

       2018   12   31

                          3,965          2,650,164          –   2,654,129
                         84,364                  –         –      84,364
                              –           484,992          –     484,992
                         88,468            179,041    229,166      496,675
                         64,555            102,771     24,364      191,690
                        153,627                  –         –     153,627

                        394,979          3,416,968    253,530    4,065,477



                             59           355,291      11,252     366,602
                         51,915            56,824           –    108,739
                          3,022           129,934      41,763     174,719
                         10,824           117,569      24,663     153,056

                         65,820           659,618      77,678     803,116

                        460,799          4,076,586    331,208    4,868,593



                               333
2019




3

3.7




                              2019   12   31
           12



                  467,979        239           –     468,218
       A        4,199,036         59           –   4,199,095
       A          236,749        180           –     236,929

                4,903,764        478           –   4,904,242


                              2018   12   31
           12



                  420,982         414          –     421,396
       A        3,905,218         158          –   3,905,376
       A          269,793       1,180          –     270,973

                4,595,993       1,752          –   4,597,745




                        334
2019




3

3.8




       2019   1   1




                              2019        2018
                            12 31       12 31


                              62,076         54,280
                              10,442          2,888
                                 338            233
                              12,135          3,334

                              84,991         60,735

                              79,954         51,107

                               6,095         10,220

                             171,040        122,062


3.9

                                       22




                      335
2019




4


4.1




4.2

(1)




       336
2019




4


4.2

(1)




                                  99%
                   1%
       1




                     2019       2018



                   2019                           2018




           18.70     23.50        13.24   17.26     23.85   12.24
           18.00     26.69         9.80   10.19     17.66    4.99
            0.44      2.27         0.17    0.38      0.71    0.11
            1.77      6.26         0.75    1.14      5.55    0.13
           23.03     29.56        17.11   19.87     26.28   13.92



                          337
2019




4


4.2

(1)




                          2019                       2018




                   2.72      5.30      1.26   3.37      5.50   1.65
                   1.63      2.69      0.93   2.30      3.45   1.37
                   0.10      0.32      0.03   0.20      0.90   0.03
                   2.06      5.59      0.03   0.40      1.24   0.11
                   3.95      6.70      2.24   4.21      5.84   3.07



             (i)


                   0.76      1.96      0.34   0.64      2.04   0.16
                   0.66      0.97      0.51   1.25      1.86   0.65
                   0.20      0.36      0.10   0.29      0.52   0.17
                   1.61      2.95      1.17   2.18      3.85   1.24


       (i)




                                 338
2019




4


4.2

(1)




(2)




             4.3




       339
2019




4


4.2

(2)




                            25




                                       2019        2018
                                     12 31       12 31


                       25              (4,534)     (4,136)
                       25               4,534       4,136




                       25
       145.91   2018        137.33




                            340
      2019




      4
      4.3


                                                   2019    12       31
                 1            1            3                    1
                              3                1                5        5

                326,312       52,603      116,321           2,845               129      67,257       565,467
              1,848,825        2,289          594               –                –    227,101     2,078,809
                427,786      195,628      230,922          40,489                 –      4,134       898,959
                      –           –           –              –                –     93,335        93,335




341
              3,317,026    2,369,401    6,291,477         207,511            82,221     475,789    12,743,425


                 17,516       53,982       97,306          54,269         148,855       146,322      518,250

               188,302      287,412      366,595        837,429           492,120        46,271     2,218,129
                33,368       45,578      487,744      1,331,541           841,101        38,351     2,777,683
                 4,897            –           –             –           12,737       858,053       875,687
              6,164,032    3,006,893    7,590,959     2,474,084          1,577,163     1,956,613   22,769,744

                988,433      371,241      130,006         3,617                   –    174,749     1,668,046
                251,446       72,048      510,594         3,570                   –      8,619       846,277
                495,927       71,468       69,079         1,363                  14       1,824       639,675
                      –           –           –            –                  –     90,060        90,060
              9,117,294    1,540,251    2,488,155     2,296,955                 339     374,554    15,817,548
                 57,441      192,462      404,780       402,772              32,451       6,181     1,096,087
                 23,693       19,255       10,006        10,847              20,832     550,722       635,355
             10,934,234    2,266,725    3,612,620     2,719,124              53,636    1,206,709   20,793,048
             (4,770,202)    740,168     3,978,339         (245,040)      1,523,527      749,904     1,976,696
      2019




      4
      4.3
                                                   2018   12       31
                 1            1            3                   1
                              3                1               5        5

                211,195       29,873      115,397           3,356                –     80,110       439,931
              2,113,231        2,085          619               –               –    215,118     2,331,053
                668,153       98,129      225,933          45,694                –      4,449     1,042,358
                      –           –           –              –               –    124,126       124,126
              3,146,270    2,145,073    5,613,781         119,794           53,241     437,605    11,515,764




342
                 19,425       37,327       75,423          44,898           96,195      97,223      370,491

               112,091      172,122      406,442        789,385          360,876        38,843     1,879,759
                14,863       83,459      283,575      1,605,967          777,123        39,314     2,804,301
                 5,188            –           –             –           3,661       750,643       759,492
              6,290,416    2,568,068    6,721,170     2,609,094         1,291,096     1,787,431   21,267,275

              1,011,125      313,145      181,766        49,045                  –    176,128     1,731,209
                275,905      156,600      456,671         8,071                  –     10,274       907,521
                428,797      122,663       57,583         1,417                  –      1,807       612,267
                      –           –           –            –                 –     99,254        99,254
              8,515,651    1,354,989    2,668,074     1,960,185                105     384,592    14,883,596
                 91,311      157,934      179,233       311,777             35,125       6,747       782,127
                 17,849       24,535        1,560         2,515              5,246     474,199       525,904
             10,340,638    2,129,866    3,544,887     2,333,010             40,476    1,153,001   19,541,878
             (4,050,222)    438,202     3,176,283         276,084       1,250,620      634,430     1,725,397
2019




4


4.4




                                               4.2




                                                          *
                   2019          2018        2019       2018
                 12 31         12 31       12 31      12 31

           +1%        354           521         522        527
           +1%       (262)         (338)      2,079      2,199

       *


                          1%




                   343
      2019




      4
      4.4
             2019   2018   12     31


                                                               2019      12   31



                       370,569           140,513      18,368    10,977               7,833      1,691     15,516       565,467
                     1,583,469           265,682      57,599    59,456              49,422     34,133     29,048     2,078,809
                       652,817           149,463      33,441     6,050                 141      2,435     54,612       898,959
                        42,558            13,694      26,586       446                  20      6,348      3,683        93,335




344
                     9,870,244         1,170,630   1,027,104   250,730              11,194     69,423    344,100    12,743,425



                       346,644           78,848      83,199      2,540               6,925        16          78      518,250


                     1,354,391          489,432     150,486     32,292             103,797      2,610     85,121     2,218,129

                     2,525,349          219,495       3,319      4,802                 770        954     22,994     2,777,683
                       268,436          162,203     198,398      1,357               1,465      2,691    241,137       875,687
                    17,014,477         2,689,960   1,598,500   368,650             181,567    120,301    796,289    22,769,744

                     1,009,086           391,869      27,167    43,826              21,193      7,374    167,531     1,668,046
                       570,675           247,096      19,979     5,920                   –       258      2,349       846,277
                       298,497           213,662      76,294    17,161              25,330      3,745      4,986       639,675
                        36,135            19,811      22,813       707                  52      6,112      4,430        90,060
                    11,925,923         1,836,997   1,255,663   254,485              56,683     55,672    432,125    15,817,548
                       766,816           258,893      11,868    38,794               1,920      2,744     15,052     1,096,087
                       254,949            91,825     267,607     3,131                 351      1,863     15,629       635,355
                    14,862,081         3,060,153   1,681,391   364,024             105,529     77,768    642,102    20,793,048
                     2,152,396         (370,193)    (82,891)     4,626              76,038     42,533    154,187     1,976,696
                      (463,297)         378,515     283,483      5,828             (75,754)   (40,620)   (74,643)       13,512
                     2,959,323          836,835     257,229    124,696               9,841     49,401    105,245     4,342,570
      2019




      4
      4.4
                                                   2018      12   31




                308,697       79,058     17,818      6,442              5,694       1,575     20,647       439,931
              1,855,438      280,029     40,625     39,770             36,838      47,950     30,403     2,331,053
                878,861       93,903     30,994      7,636              3,094         283     27,587     1,042,358
                 67,601       17,913     29,945        621                 37       5,237      2,772       124,126
              8,830,692    1,146,207    923,070    201,731             12,637      65,563    335,864    11,515,764




345
               238,495       56,988      72,981      2,011                   –       16           –     370,491


              1,191,739     453,918     116,376     30,629              8,573       3,023     75,501     1,879,759

              2,548,402     229,300       3,496      3,450                746       1,456     17,451     2,804,301
                213,438     148,481     185,113        568              1,244       2,097    208,551       759,492
             16,133,363    2,505,797   1,420,418   292,858             68,863     127,200    718,776    21,267,275

              1,060,308      404,757      34,551    40,090             14,270       7,049    170,184     1,731,209
                628,327      246,540      26,758     5,461                  –        434          1       907,521
                266,692      271,303      39,642    12,669             11,242       5,411      5,308       612,267
                 50,554       14,104      26,366       678                 46       5,059      2,447        99,254
             11,256,454    1,716,821   1,202,357   194,439             58,478      46,334    408,713    14,883,596
                447,679      252,059       6,682    48,465              1,852       9,793     15,597       782,127
                191,501       84,330     230,918     2,327                480       1,323     15,025       525,904
             13,901,515    2,989,914   1,567,274   304,129             86,368      75,403    617,275    19,541,878
              2,231,848    (484,117)   (146,856)   (11,271)            (17,505)    51,797    101,501     1,725,397
               (795,575)    520,806     355,983     21,144              19,415    (49,526)   (40,626)       31,621
              2,715,693     794,823     223,494    111,092              10,425     44,054     93,430     3,993,011
2019




5




5.1




       346
      2019




      5
      5.2




                                                        2019      12   31
                                            1            1                   3             1
                                                         3                       1         5      5

                    21      204,121       183,170        55,805          119,376          2,845         129        565,467
             1,513,473      527,657        16,242         8,293           12,441            703           –     2,078,809
                    44            –      417,352       185,843          241,024         54,696           –       898,959
                     –      10,697        14,983        20,855           24,869         16,610       5,321         93,335




347
                51,073      188,916       458,233     1,216,882        2,716,777      3,221,650   4,889,894     12,743,425



              143,255              –      16,394       49,949               98,245     58,537     151,870        518,250


                22,067             –     142,122      234,297              396,998    912,932     509,713       2,218,129

                1,767             –       35,141       53,375              506,346   1,337,456    843,598       2,777,683
              345,309       381,978        24,301       12,827               23,308      60,436     27,528         875,687
             2,077,009    1,313,369     1,307,938     1,838,126        4,139,384      5,665,865   6,428,053     22,769,744

                     –   1,036,810       125,011       324,062          175,301          6,779           83     1,668,046
                     –     180,113        70,832        72,898          518,864          3,570            –      846,277
                     –           –      492,657        70,924           69,694          6,386           14       639,675
                     –       8,780        11,165        15,936           26,652         20,482        7,045        90,060
                     –   7,843,084     1,541,342     1,540,159        2,541,528      2,343,527        7,908    15,817,548
                     –           –       23,985       150,073          416,192        470,942       34,895     1,096,087
                     –     280,526        53,662        12,895          121,693         92,907       73,672       635,355
                     –   9,349,313     2,318,654     2,186,947        3,869,924      2,944,593    123,617      20,793,048
             2,077,009    (8,035,944)   (1,010,716)   (348,821)             269,460   2,721,272   6,304,436      1,976,696
      2019




      5
      5.2
                                                      2018      12   31
                                           1           1                   3              1
                                                       3                       1          5      5

                    21      178,645      110,908       30,365          116,636           3,356           –      439,931
             1,588,770      511,244      216,281        2,087           12,329             342           –    2,331,053
                    44            –     659,399       92,855          231,633          58,427           –    1,042,358
                     –      10,055       22,259       30,528           38,686          18,634       3,964       124,126
                69,539      154,707      397,574    1,086,838        2,478,055       3,036,778   4,292,273    11,515,764




348
                93,524             –     16,772      32,788               71,133      52,863     103,411       370,491


                16,456             –     71,630     120,021              428,041     870,105     373,506      1,879,759

                2,001             –      15,328      78,810              306,782    1,623,516    777,864      2,804,301
              301,633       338,223       22,683       7,554               18,968       50,792     19,639        759,492
             2,071,988    1,192,874     1,532,834   1,481,846        3,702,263       5,714,813   5,570,657    21,267,275

                     –   1,038,168       143,392     314,126          186,252          49,271          –     1,731,209
                     –     172,280       104,114     157,466          465,590           8,071          –       907,521
                     –           –      429,492     123,223           58,135           1,417          –       612,267
                     –       7,314        19,861      18,267           33,305          17,434      3,073         99,254
                     –   7,368,721     1,405,144   1,349,078        2,740,128       2,010,860      9,665     14,883,596
                     –           –       45,983      99,061          196,535         323,057    117,491        782,127
                     –     276,288        36,307      12,145           76,623          66,329     58,212        525,904
                     –   8,862,771     2,184,293   2,073,366        3,756,568       2,476,439    188,441     19,541,878
             2,071,988    (7,669,897)   (651,459)   (591,520)             (54,305)   3,238,374   5,382,216     1,725,397
2019




5

5.3




                                              2019 12 31
                                   1           1           3                1
                                               3               1            5       5


              21    204,130      183,615       56,074     120,765          3,096          133    567,834
       1,513,473    527,657       16,249        8,302      12,450            722            – 2,078,853
              44          –     417,635      189,233     244,950         56,154            –   908,016
          52,895    195,546      484,426    1,298,683   3,086,083      4,534,837    7,151,130 16,803,600




        143,237            –     16,420      50,340     103,259         84,649      186,039       583,944




         22,067            –    142,329     235,681     427,288       1,030,193     561,203      2,418,761

          1,798           –      35,530      56,946     554,364       1,543,565     974,147      3,166,350
          1,026     167,792       20,967       1,935       4,506           1,424      14,091        211,741

       1,734,561   1,095,125    1,317,171   1,897,194   4,553,665      7,254,640    8,886,743 26,739,099

              –   1,036,859      125,501     325,279     176,849          7,047            84 1,671,619
              –     180,123       71,548      74,724     526,257          3,787             –   856,439
              –           –     492,804      71,641      70,322          6,616            14    641,397
              –   7,843,233    1,544,280   1,547,409   2,570,184      2,527,791         8,124 16,041,021
              –           –      24,056     150,929     423,073        521,722        36,162 1,155,942
              –     220,323       38,040       9,993      20,569         48,656        24,912    362,493

              –   9,280,538    2,296,229   2,179,975   3,787,254      3,115,619        69,296 20,728,911



              –       1,873       2,324       5,086           (993)      (3,966)         (791)       3,533




              –     104,485 1,790,517 1,514,328 2,672,728              409,405          18,919 6,510,382
              –    (103,878) (1,787,934) (1,510,528) (2,673,807)      (409,542)        (18,915) (6,504,604)



                                    349
2019




5


5.3

                                              2018 12 31
                                   1           1           3             1
                                               3               1         5      5


              21    178,651      111,218       30,532     118,297       3,696           –   442,415
       1,588,770    511,244      216,643        2,099      12,329         342           – 2,331,427
              48          –     660,424       95,839     238,102      60,246           – 1,054,659
          71,503    154,728      420,408    1,162,609   2,787,330   4,105,071   6,109,473 14,811,122




         93,562            –     16,818      33,180      76,304      75,588     139,717      435,169




         16,496            –     72,228     121,707     459,033     986,895     433,630     2,089,989

          2,032           –      15,587      82,033     356,737    1,853,204    897,790     3,207,383
            763     148,184       13,867         926       3,930          210      4,740       172,620


       1,773,195    992,807     1,527,193   1,528,925   4,052,062   7,085,252   7,585,350 24,544,784


              –   1,038,230      143,665     315,386     187,753      52,826          – 1,737,860
              –     172,289      104,338     158,161     470,743       8,716          –   914,247
              –           –     429,704     124,123      59,521       1,509          –   614,857
              –   7,368,831    1,407,351   1,354,994   2,770,079   2,159,790      9,959 15,071,004
              –           –      46,457      99,898     210,560     362,609    139,539    859,063
              –     222,147       23,038       7,037       7,936      30,083      9,715    299,956


              –   8,801,497    2,154,553   2,059,599   3,706,592   2,615,533    159,213 19,496,987




              –       2,659       2,135       7,101       5,020        (120)         516      17,311




              –      79,242 2,831,895 1,618,108 3,116,519           368,456         7,805 8,022,025
              –     (79,178) (2,830,917) (1,612,726) (3,112,216)   (367,680)       (7,784) (8,010,501)




                                    350
2019




5


5.4




                                   1      1      5      5

       2019   12         31
                   (1)
                              1,859,147       587,973   167,961      2,615,081
                              1,146,111       297,015   284,363      1,727,489


                              3,005,258       884,988   452,324      4,342,570


                                38,814         18,498           –     57,312


                              3,044,072       903,486   452,324      4,399,882


       2018   12         31
                   (1)
                              1,603,299       527,815   137,596      2,268,710
                              1,125,754       283,767   314,780      1,724,301


                              2,729,053       811,582   452,376      3,993,011


                                 6,698         12,931       8,464      28,093
                                26,828         40,385           –     67,213


                              2,762,579       864,898   460,840      4,088,317


       (1)                                                              41.7




                                   351
2019




6


6.1




       352
2019




6


6.1

                    2019      12   31




        11,635      81,690                 10      93,335


             –    339,687                  –    339,687



         9,988     345,296              15,948    371,232
         6,586       1,154              71,716     79,456
        21,747       6,879              38,936     67,562




       230,606    1,964,070              1,676   2,196,352
         7,425        9,077              5,275      21,777
             –       2,330             20,778      23,108



             –     (14,767)                –     (14,767)
             –     (17,969)                –     (17,969)
             –     (26,113)                –     (26,113)
        (2,158)     (17,317)                –     (19,475)
        (9,762)     (80,298)                –     (90,060)




         353
2019




6


6.1

                    2018      12   31




        11,655     112,465                  6     124,126


             –    227,643                  –    227,643



         3,448     261,582               8,417    273,447
         3,868         104              43,089     47,061
        10,730       4,741              34,512     49,983




       121,859    1,738,951              1,422   1,862,232
         6,592        5,571              5,364      17,527
             –       2,248             19,838      22,086



             –        (876)                –        (876)
             –     (24,141)                –     (24,141)
             –     (20,517)                –     (20,517)
        (2,642)     (11,685)                –     (14,327)
        (8,928)     (90,326)                –     (99,254)




         354
2019




6
6.1




       2019 1 1             6     8,417      43,089      34,512    1,422    5,364          19,838

                           10     1,510        (689)      3,245       –       –            355
                            –        –          –          –    223     (849)              –
                            –     (175)     (1,002)     (3,649)     (2)      (2)            (14)
                            –    6,159      30,318       4,708       –     762               2
                            –        –          –          –      –       –              –

                           (6)       –             –      60        –         –         (120)
                            –      37              –      60       33          –          717
       2019 12 31          10    15,948      71,716      38,936    1,676    5,275          20,778



                           10     1,510          (630)    3,235        –        –          345




       2018 1 1             –    3,034      23,205      27,899    1,405    4,695          18,597

                            6      (273)         98       2,678        –       –           556
                            –        –          –          –     (50)    (911)             –
                            –       (5)       (538)     (1,767)      (1)      (3)           (61)
                            –    5,582      20,324       5,681        –   1,588            711
                            –       (1)          –          –       –       –             –
                            –        –          –          –       –       –             –
                            –       80           –         21       68       (5)            35
       2018 12 31           6     8,417      43,089      34,512    1,422    5,364          19,838



                            6     (273)           98      2,677        –        –          535

           2019     2018                                    2019     2018   12        31



                                           355
2019




6


6.1




                     2019                      2018



              (39)     4,470      4,431   22     3,043   3,065


       2019


6.2




                            356
2019




6


6.2




                           2019     12   31            2018   12   31




                   (1)
                         2,769,400       2,774,641   2,795,740     2,806,772



             (2)
                         1,069,974       1,069,309    761,610       766,005


       (1)




       (2)




                              357
2019




6


6.2




                  2019   12   31




       71,966   2,505,680          2,062   2,579,708



           –   1,069,309             –   1,069,309


                  2018   12   31




       73,055   2,534,891          2,237   2,610,183



           –    758,805           7,200    766,005




         358
2019




7




       8.50%   9.50%   11.50%




                                359
2019




7




       360
2019




7


                   (1)




                           2019         2018
                         12 31        12 31

                           11.30%       11.41%
                           12.79%       12.27%
                           15.59%       14.97%




                         1,620,563    1,488,010
                           294,388      294,388
                           134,269      140,422
                           173,832      156,711
                           249,983      231,416
                           721,731      637,609
                            30,528       28,229
       (2)
                           15,832         (765)


                           (24,185)     (22,241)


                              (182)        (182)
                           (12,936)     (12,078)
                                (7)         (68)


                            (9,955)      (9,913)


                         1,596,378    1,465,769




             361
2019




7


                     2019          2018
                   12 31         12 31


                     210,057       109,524
                     159,901        99,714
                      39,992              –
                      10,164          9,810


                    1,806,435     1,575,293


                     394,843       347,473
                     280,092       256,189
                     105,127        82,093
                       9,624         9,191


                            –         (416)


                            –         (416)


                    2,201,278     1,922,350


                   14,123,915    12,841,526


       (1)




       (2)




             362
2019




8




       363
                  2019   2018         2019   2018   12
    31




1


                                   2019         2018
                                 12 31        12 31

                                   54.56%       58.71%


                                   60.38%       54.78%




         (1)




               100%




                           364
1




                             (2)
    2017                                          2019
                                        (3)
              92                              136.36%
           1.60


                                        2019



                   136.36%         134.76%      137.95%   149.24%




                      365
1



                                   (3)
         2019




    1                               3,962,370



    2                 7,175,950       528,304
    3                 3,655,623       176,271
    4                 3,520,327       352,033
    5                 8,654,416     3,292,153
    6                 4,733,637     1,167,817
    7                 3,871,915     2,075,472
    8                    48,864        48,864
    9                                   2,011
    10                3,063,276     1,860,288
    11                1,755,675     1,755,675
    12                        –            –
    13                1,307,601       104,613
    14                   50,295        50,295
    15                2,323,849        54,129
    16                              5,787,180


    17                  116,073       106,113
    18                1,418,757       898,223
    19                1,974,771     1,873,490
    20                3,509,601     2,877,826


    21                              3,962,370
    22                              2,909,354
    23                                   136.36%


                366
1




    (1)
                                                         30

    (2)



    (3)




                  (1)




                                                              2018   7   1
                                            100%




                                      (2)
    2019                                                       124.46%
    0.82                2019                                        125.28%
           1.53

                                                        2019


                               (3)
                                     124.46%       125.28%       126.81%      126.75%

    (1)



    (2)



    (3)

                                            367
1




         2019


                                   <6        6–12            1


    1                   –              –           –   2,145,900     2,145,900
    2                   –              –           –   2,070,970     2,070,970
    3                   –              –           –      74,930        74,930
    4
                3,892,369      3,954,442       116,983      19,928      7,383,810
    5           1,635,679      2,240,551        53,123       8,287      3,741,173
    6           2,256,690      1,713,891        63,860      11,641      3,642,637
    7           4,797,417      5,545,346       908,553     494,666      4,995,038
    8           4,446,337        333,937             –          –     2,390,137
    9             351,080      5,211,409       908,553     494,666      2,604,901
    10                  –             –            –          –             –
    11             75,617        199,732         4,922     408,423        316,106
    12
                                                             94,777
    13
                   75,617          199,732       4,922     313,646        316,106
    14                                                                 14,840,854


    15
                                                                         607,090
    16
                   94,942         19,670             –           –       57,306
    17             61,942      4,493,443     1,939,578    8,537,927     9,913,026
    18

                        –           9,678           –           –          968
    19

                   61,942      1,296,940       297,022     112,532       464,875
    20




                        –     2,483,840     1,432,902    4,257,280     5,497,219


                             368
1




         2019




                                       <6         6–12             1


    21
                35%         –         176,090        7,107         4,261       16,635
    22                      –         102,000       90,389     3,836,062    3,307,594
    23
                35%         –           5,825        5,937      246,263      165,952
    24




                            –         600,985      119,265      332,053       642,370
    25                      –               –           –           –            –
    26                617,391          102,745          790      516,505     1,107,412
    27
                      209,955                                                 178,462
    28


                                                                     239           203
    29
                                                                 101,894         7,117
    30                                                            18,955*       18,955
    31
                      407,436          102,745            790     414,372      902,675
    32                                                          6,041,880      239,017
    33                                                                      11,923,851


    34                                                                        124.46%

    *
                                  26



                                 369
1




         2019



                                   <6        6–12            1


    1                   –              –           –   2,131,547     2,131,547
    2                   –              –           –   2,056,617     2,056,617
    3                   –              –           –      74,930        74,930
    4
                3,955,848      3,865,334       129,008       7,685      7,356,824
    5           1,623,087      2,202,415        53,834       3,035      3,688,405
    6           2,332,761      1,662,919        75,174       4,650      3,668,419
    7           4,724,948      5,488,317       915,810     506,581      5,007,443
    8           4,392,785        349,197             –          –     2,370,990
    9             332,163      5,139,120       915,810     506,581      2,636,453
    10                  –             –            –          –             –
    11             77,588        173,526         4,074     445,791        306,859
    12
                                                           140,968
    13
                   77,588          173,526       4,074     304,823        306,859
    14                                                                 14,802,673


    15
                                                                         623,655
    16
                   64,269          5,713             –           –       34,991
    17             62,425      4,452,699     2,243,116    8,263,590     9,788,949
    18

                        –          10,759           –           –        1,076
    19

                   62,425      1,386,184       326,912       79,814      460,562
    20




                        –     2,538,976     1,457,972    4,161,028     5,460,922

                             370
1




         2019




                                       <6         6–12             1


    21
                35%         –         169,778        7,546         6,598       21,054
    22                      –         131,591      119,881     3,659,945    3,196,236
    23
                35%         –          47,793       33,734      202,265      172,236
    24




                            –         385,189      338,351      362,803       670,153
    25                      –               –           –           –            –
    26                647,395           82,079          557      580,245     1,141,046
    27
                      251,378                                                 213,671
    28


                                                                     282           240
    29
                                                                 157,279        16,311
    30                                                            28,194*       28,194
    31
                      396,017           82,079            557     422,684      882,630
    32                                                          5,786,886      227,453
    33                                                                      11,816,094


    34                                                                        125.28%

    *
                                  26



                                 371
2




    2019   12   31
                      3,784,665     1,633,488     1,693,247     7,111,400
                     (4,215,368)   (1,916,106)   (1,510,286)   (7,641,760)
                      5,535,200       764,557     1,300,956     7,600,713
                     (5,025,682)     (508,295)   (1,486,820)   (7,020,797)
                *       (43,404)          193        (1,455)      (44,666)

                        35,411       (26,163)        (4,358)       4,890


                        52,219       207,904        72,658       332,781


    2018   12   31
                      3,679,148     1,488,089     1,445,560     6,612,797
                     (4,207,568)   (1,863,120)   (1,406,375)   (7,477,063)
                      6,113,388       750,992     1,195,354     8,059,734
                     (5,492,047)     (409,454)   (1,245,872)   (7,147,373)
                *       (40,858)         (258)       (1,885)      (43,001)

                        52,063       (33,751)      (13,218)        5,094


                        52,685       219,887        70,141       342,713


    *




                           372
3


                       2014    160




                        10%




    2019   12   31


                     609,837    224,384    695,975    1,530,196
                      21,328        116    511,403      532,847
                      91,641    144,997    419,521      656,159


                     722,806    369,497   1,626,899   2,719,202


                      99,213    255,953    152,444     507,610
                      72,504     72,533    252,889     397,926


                     894,523    697,983   2,032,232   3,624,738




                        373
3




    2018   12   31


                     608,194   418,266    701,782    1,728,242
                      18,193         1    469,543      487,737
                      80,097    33,887    371,850      485,834


                     706,484   452,154   1,543,175   2,701,813


                      59,618   224,329    145,386     429,333
                      54,341    77,159    234,936     366,436


                     820,443   753,642   1,923,497   3,497,582




                        374
4




4.1


                               2019          2018
                             12 31         12 31



      3                        62,838        84,754
      3 6                      22,789        24,673
      6 12                     22,653        45,816
      12                       54,349        64,708


                              162,629       219,951



      3                         0.48%         0.72%
      3 6                       0.17%         0.21%
      6 12                      0.18%         0.39%
      12                        0.42%         0.55%


                                1.25%         1.87%


4.2

               2019   2018     12     31




             375
5



                          (1)




                                2019
        12    31      9    30           6    30      3    31

         1,806,435    1,823,977         1,749,305    1,662,406
        24,303,201   24,085,613        23,813,940   23,032,078


             7.43%        7.57%             7.35%        7.22%


                                                      2019
                                                    12 31


    1                                               22,769,744
    2                                                    (9,955)
    3                                                        –
    4                                                  129,062
    5                                                  117,131
    6                                                1,686,949
    7                                                 (389,730)


    8                                               24,303,201




              376
5

                     2019
                12     31

    1           22,146,521
    2              (24,185)


    3           22,122,336
    4               93,226
    5              128,753
    6                    –
    7                    –
    8
                          –
    9                   465
    10                  (47)


    11             222,397
    12             154,049
    13                   –
    14             117,470
    15                   –


    16             271,519
    17           4,787,188
    18          (3,100,239)


    19           1,686,949
    20           1,806,435
    21          24,303,201


    22               7.43%


    (1)




          377
6


                       [2014]1



                          2019
          (1)




    1                  24,303,201
    2                   2,101,540
    3                   1,972,706
    4                   3,938,510
    5                 624,289,447
    6                  11,119,177
    7                   1,861,559
    8                  10,632,811
    9                   1,125,572
    10                     62,976
    11                  3,895,282
    12                  4,537,599

    (1)




                378
2020

2019                                             2020 3 27
2019                                             2020 4                              H
2019                                               2020 6 30
2020                                                        2020       8        30




       2019                       2020     6    30                 9       30




                2019                                  10   1.91
2019




                   2006   6   1          2006    7     5


                         2014      12     8
               2015    3 31
      2019    7 17
2019 9 17                                                                                2020
  3 5




              294,387,791,241
       A       210,765,514,846
       H       83,622,276,395




              1,797,865,300
                        1,600,000,000
                        197,865,300



                                                379
    2019                        12      31                       10,271.66
2019 12 31 A          H                                12   31
100      = 89.578




A              2019       12   31
               3.69                            4.06                    3.49
H              2019       12   31
               3.33                            3.84                    2.91




A                                                  H

                               601988                                         3988
                               601988.SS                                      3988.HK
                               601988 CH                                      3988 HK



                                        1                                              2
                               360002                                         360010
                               EK6323670                                      EK8196546



                                        3                                              4
                               360033                                         360035
                               AZ8714182                                      ZQ0362264



                               BOC 20USDPREF
                               4619
                               4619.HK
                               BG2289661




                                             380
A                                   H

                        166                                 183   17M
            3                             (852) 2862 8555
    (86) 21-3887 4800                     (852) 2865 0990




                        166
           3
    (86) 21-3887 4800




                                    A
                                    A1
                                    A
                                    A+
                                    AAA




                              381
                           1        8
      (86) 10-6659 2638
      (86) 10-6659 4568
      ir@bankofchina.com




            H
      183             17M
                                                        www.boc.cn
www.sse.com.cn    www.hkexnews.hk


                                                                H
            (852) 2862 8688         (86) 10-6659 2638




                                     382
383
      33.42%
                             1
SWIFT    BKCHCNBJ                                          12                148
        (86) 010-66596688             SWIFT    BKCHCNBJ880         SWIFT    BKCHCNBJ940
        (86) 010-66016871                     (86) 0471-4690128            (86) 025-84207888
              100818                          (86) 0471-4690001            (86) 025-84200407
        www.boc.cn                                010010                       210005




                                                                                                321
   2               A   C     E                  253                SWIFT    BKCHCNBJ910
SWIFT    BKCHCNBJ110                  SWIFT    BKCHCNBJ810                 (86) 0571-85011888
        (86) 010-85121491                     (86) 024-22810827            (86) 0571-87074837
        (86) 010-85121739                     (86) 024-22857333                310003
              100010                              110013




                                 8                                                  1688
SWIFT    BKCHCNBJ200                            699                SWIFT    BKCHCNBJ780
        (86) 022-27108002             SWIFT    BKCHCNBJ840                 (86) 0551-62926995
        (86) 022-23312805                     (86) 0431-88408888           (86) 0551-62926993
              300204                          (86) 0431-88408901               230091
                                                  130061



                                 28                                                             136
SWIFT    BKCHCNBJ220
        (86) 0311-69696681                            19           SWIFT    BKCHCNBJ720
        (86) 0311-69696692            SWIFT    BKCHCNBJ860                 (86) 0591-87090999
              050000                          (86) 0451-53636890           (86) 0591-87090111
                                              (86) 0451-53624147               350003
                                                  150001



        186
SWIFT    BKCHCNBJ680                                                                    10
        (86) 0351-8266016             200                          SWIFT    BKCHCNBJ550
        (86) 0351-8266021             SWIFT    BKCHCNBJ300                 (86) 0791-86471503
              030006                          (86) 021-50375566            (86) 0791-86471505
                                              (86) 021-50372911                330038
                                                  200120



                                                      384
                             22                            39
SWIFT    BKCHCNBJ500              SWIFT    BKCHCNBJ480                          113
        (86) 0531-58522001                (86) 0771-2879602           SWIFT    BKCHCNBJ900
        (86) 0531-58522000                (86) 0771-2813844                   (86) 0891-6835311
            250000                               530022                       (86) 0891-6835311
                                                                                  850000




            3-1                           29         31
SWIFT    BKCHCNBJ530              SWIFT    BKCHCNBJ740                                      18
        (86) 0371-87008888                (86) 0898-66778001          SWIFT    BKCHCNBJ620
        (86) 0371-87007888                (86) 0898-66562040                  (86) 029-89593900
            450018                               570102                       (86) 029-89592999
                                                                                  710077




          677                                        35
SWIFT    BKCHCNBJ600              SWIFT    BKCHCNBJ570                                 525
        (86) 027-85569726                 (86) 028-86741950           SWIFT    BKCHCNBJ660
        (86) 027-85562955                 (86) 028-86403346                   (86) 0931-7825004
            430022                               610031                       (86) 0931-7825004
                                                                                  730000




                593                            347
SWIFT    BKCHCNBJ970              SWIFT    BKCHCNBJ240                                 218
        (86) 0731-82580703                (86) 0851-85822419          SWIFT    BKCHCNBJ280
        (86) 0731-82580707                (86) 0851-85863981                  (86) 0971-8178888
            410005                               550002                       (86) 0971-8174971
                                                                                  810000



                                                                515
                  197             SWIFT    BKCHCNBJ640
                199                       (86) 0871-63191216                           39
                                          (86) 0871-63175573          SWIFT    BKCHCNBJ260
SWIFT    BKCHCNBJ400                             650051                       (86) 0951-5681505
        (86) 020-83338080                                                     (86) 0951-5681509
        (86) 020-83347666                                                         750002
            510180




                                                     385
                               1
SWIFT     BKCHCNBJ760                                9                 200                 39
        (86) 0991-2328888          SWIFT     BKCHCNBJ81A            (86) 021-20328000
                                           (86) 0411-82586666
        (86) 0991-2825095                                           (86) 021-58883554
                                           (86) 0411-82637098
             830002                                                      200120
                                                116001
                                                                         admindiv.china@bocichina.com
                                                                    www.bocichina.com



           218
SWIFT     BKCHCNBJ59A
        (86) 023-63889234          SWIFT     BKCHCNBJ73A                  110 9
        (86) 023-63889217                  (86) 0592-5317519        (86) 010-57765000
             400013                        (86) 0592-5095130        (86) 010-57765550
                                                361012                   100032
                                                                    www.bocfullertonbank.com



        2022                                  149
SWIFT     BKCHCNBJ45A              SWIFT     BKCHCNBJ220
        (86) 0755-22331155                 (86) 0312-5988023              110 9
        (86) 0755-82259209                 (86) 0312-5988023        (86) 010-8326 2688
             518001                             071700              (86) 010-8326 2777
                                                                         100032
                                                                    www.boc-samsunglife.cn


                                                 110 9 10 11
     128
                                           (86) 010-83260001
SWIFT BKCHCNBJ95B
                                           (86) 010-83260006
     (86) 0512-65113558                                                   110 8
                                                100032
     (86) 0512-65114906                    www.bocins.com           (86) 010-8326 2479
          215028                                                    (86) 010-8326 2478
                                                                         100032
                                                                         boc@boc.com

                             139              200            45
SWIFT     BKCHCNBJ92A                      (86) 021-38834999
        (86) 0574-87196666                 (86) 021-68873488                                   35
        (86) 0574-87198889                      200120                      A 10
                                           www.bocim.com
             315000                                                 (86) 010-83937333
                                                                    (86) 010-83937555
                                                                         100033


                                              200            1409
        59                                 (86) 021-63291680
SWIFT BKCHCNBJ50A                          (86) 021-63291789
     (86) 0532-85979700                         200120
     (86) 0532-67755601                         zyxf@boccfc.cn
           266071                          www.boccfc.cn



                                                  386
         1             24                   1            23                                     418
(852) 28462700
                                    (852) 22007500                       (853) 28322323
(852) 28105830
www.bochk.com                       (852) 28772629                       (853) 28570737
                                      bocginv_bgi@bocgroup.com                 tfbsecr@taifungbank.com
                                    www.bocgi.com                        www.taifungbank.com


        1              26
(852) 39886000
(852) 21479065                                        1111
    info@bocigroup.com                     1    13                       105     1-5
www.bocigroup.com                   (852) 21608800               SWIFT    BKCHTWTP
                                    (852) 28660938                       (886) 227585600
                                       enquiry@boclife.com.hk            (886) 227581598
                                    www.boclife.com.hk                     service.tw@bankofchina.com
           1           7                                                 www.bankofchina.com/tw
(852) 28101203
(852) 25377609



                            SWIFT    BKCHMOMX
                  71                (853) 88895566
       9                            (853) 28781833
(852) 28670888                          bocmo@bocmacau.com
(852) 25221705                      www.bankofchina.com/mo
   info_ins@bocgroup.com
www.bocgins.com




                                          387
ASIA-PACIFIC AREA                      BANK OF CHINA
                                       (MALAYSIA) BERHAD                      BANK OF CHINA
                                                                              (HONGKONG) LIMITED
SINGAPORE BRANCH                       GROUND, MEZZANINE,                     JAKARTA BRANCH
                                       & 1ST FLOOR
4 BATTERY ROAD,                        PLAZA OSK,                             TAMARA CENTER
BANK OF CHINA BUILDING,                25 JALAN AMPANG                        11TH FLOOR,
SINGAPORE                              50450 KUALA LUMPUR,                    JALAN JEND.
SWIFT    BKCHSGSGXXX                   MALAYSIA                               SUDIRMAN KAV. 24
        (65) 67795566                  SWIFT    BKCHMYKL                      JAKARTA 12920,
        (65) 65343401                          (60) 323878888                 INDONESIA
          service.sg@bankofchina.com           (60) 321615150                 SWIFT    BKCHIDJA
        www.bankofchina.com/sg                   service.my@bankofchina.com           (62) 215205502
                                               www.bankofchina.com/my              (62) 215201113      215207552
                                                                                        service.id@bankofchina.com
TOKYO BRANCH                                                                          www.bankofchina.co.id
                                       BANK OF CHINA (THAI)
BOC BLDG. 3-4-1 AKASAKA                PUBLIC COMPANY LIMITED
MINATO-KU,
TOKYO 107-0052                         179/4 BANGKOK CITY TOWER,              BANK OF CHINA
JAPAN                                  SOUTH SATHORN ROAD,                    (HONGKONG) LIMITED
SWIFT    BKCHJPJT                      TUNGMAHAMEK                            PHNOM PENH BRANCH
        (81) 335058818                 SATHORN DISTRICT,
        (81) 335058868                 BANGKOK 10120,                         CANADIA TOWER,
           service.jp@boctokyo.co.jp   THAILAND                               1ST & 2ND FLOOR,
        www.bankofchina.com/jp         SWIFT    BKCHTHBK                      #315 ANG DOUNG ST.
                                               (66) 22861010                  P.O. BOX 110, PHNOM PENH,
                                               (66) 22861020                  CAMBODIA
SEOUL BRANCH                                             (66) 26795566        SWIFT    BKCHKHPP
                                                 service.th@bankofchina.com           (855) 23988886
1/2/3F YOUNG POONG BLDG.                       www.bankofchina.com/th                 (855) 23988880
41, CHEONG GYE CHEON-RO,                                                                service.kh@bankofchina.com
JONGNO-GU,                                                                            www.bankofchina.com/kh
SEOUL 03188
KOREA
SWIFT    BKCHKRSEXXX
        (82) 16705566
        (82) 23996265
        www.bankofchina.com/kr




                                                      388
                                                                                               BANK OF CHINA
BANK OF CHINA                                           BANK OF CHINA                          (NEW ZEALAND) LIMITED
(HONGKONG) LIMITED                                      (HONGKONG) LIMITED
HOCHIMINH CITY BRANCH                                   BRUNEI BRANCH                          LEVEL 17,
                                                                                               TOWER 1, 205 QUEEN STREET,
GROUND & 11TH FL,                                       KIARONG JAYA KOMPLEK,                  AUCKLAND, 1010,
TIMES SQUARE BUILDING,                                  LOT NO. 56244, SIMPANG 22,             NEW ZEALAND
22-36 NGUYEN HUE STREET,                                JALAN DATO RATNA,                      SWIFT    BKCHNZ22
DISTRICT 1,                                             KAMPONG KIARONG,                               (64) 99809000
HOCHIMINH CITY,                                         BANDAR SERI                                    (64) 99809088
VIETNAM                                                 BEGAWAN BE1318,                                  service.nz@bankofchina.com
SWIFT     BKCHVNVX                                      BRUNEI DARUSSALAM                              www.bankofchina.com/nz
        (84) 2838219949                                 SWIFT    BKCHBNBB
        (84) 2838219948                                         (673) 2459888
            service.vn@bankofchina.com                          (673) 2459878                  AUCKLAND BRANCH
        www.bankofchina.com.vn
                                                                                               LEVEL 17, TOWER 1,
                                                        SYDNEY BRANCH                          205 QUEEN STREET,
MANILA BRANCH                                                                                  AUCKLAND, 1010,
                                                        GROUND FLOOR,                          NEW ZEALAND
28/F. THE FINANCE CENTER                                140 SUSSEX STREET,                     SWIFT    BKCHNZ2A
26th STR. Cor. 9th AVE., BGC                            SYDNEY NSW 2000,                               (64) 99809000
TAGUIG CITY,                                            AUSTRALIA                                      (64) 99809088
METRO MANILA                                            SWIFT    BKCHAU2S                                service.nz@bankofchina.com
PHILIPPINES                                                     (61) 282355888                         www.bankofchina.com/nz
SWIFT     BKCHPHMM                                              (61) 292621794
        (63) 22977888                                             banking.au@bankofchina.com
        (63) 28850532                                           www.bankofchina.com/au         JSC AB (BANK OF CHINA
      customerservice_ph@mail.notes.bank-of-china.com                                          KAZAKHSTAN)


                                                        BANK OF CHINA                          71B, MICRODISTRICT
VIENTIANE BRANCH                                        (AUSTRALIA) LIMITED                    ZHETYSU-2,
                                                                                               AUEZOV DISTRICT, 050063,
NO. A1003-A2003,                                        GROUND FLOOR,                          ALMATY,
VIENTIANE CENTER,                                       140 SUSSEX STREET,                     REPUBLIC OF KAZAKHSTAN
KHOUVIENG ROAD,                                         SYDNEY NSW 2000,                       SWIFT    BKCHKZKA
NONGCHAN VILLAGE,                                       AUSTRALIA                                      (7727) 2585510
SISATTANAK DISTRICT,                                    SWIFT    BKCHAU2A                              (7727) 2585514
VIENTIANE CAPITAL,                                              (61) 282355888                             boc@bankofchina.kz
LAO P.D.R.                                                      (61) 292621794
SWIFT     BKCHLALAXXX                                             banking.au@bankofchina.com
        (856) 21228888                                          www.bankofchina.com/au
        (856) 21228880
            service.la@bankofchina.com
        www.bankofchina.com/la




                                                                       389
KARACHI BRANCH                          DUBAI BRANCH
                                                                                 BANK OF
5TH FLOOR, CORPORATE                    LEVEL 11 TOWER 2,                        CHINA TURKEY A.S.
OFFICE BLOCK,                           AL FATTAN CURRENCY HOUSE
DOLMEN CITY, HC-3, BLOCK 4,             DUBAI INTERNATIONAL                      BUYUKDERE CAD.NO: 209,
SCHEME 5, CLIFTON,                      FINANCIAL CENTRE                         TEKFEN TOWER K.21,
KARACHI,                                P.O. BOX 118842,                         343944. LEVENT/
PAKISTAN                                DUBAI, U.A.E                             SISLI-ISTANBUL
SWIFT    BKCHPKKA                       SWIFT      BKCHAEADXXX                   TURKEY
        (92) 2133110688                         (971) 43819100                   SWIFT     BKCHTRIS
        (92) 2133110600                         (971) 43880778                            (90) 2122608888
          services.pk@bankofchina.com              service.ae@bankofchina.com             (90) 2122798866
        www.bankofchina.com/pk                                                              contact@bankofchina.com.tr
                                                                                          www.bankofchina.com.tr
                                        ABU DHABI BRANCH
COLOMBO BRANCH
                                        UNIT 8-11, 46F, ADDAX                    ULAANBAATAR
NO.40, YORK STREET                      COMMERCIAL TOWER,                        REPRESENTATIVE OFFICE
COLOMBO 001                             AL REEM ISLAND,
SRI LANKA                               P.O.BOX73098,                            11TH FLOOR CENTRAL TOWER,
SWIFT    BKCHLKLX                       ABU DHABI, U.A.E.                        SUKHBAATAR SQUARE-2,
        (94) 0112195566                 SWIFT      BKCHAEAA                      SBD-8,
        (94) 0112118800                         (971) 24180999                   ULAANBAATAR 14200,
          service.lk@bankofchina.com            (971) 24180996                   MONGOLIA
                                                   abudhabi.ae@bankofchina.com            (976) 77095566
                                                                                          (976) 77195566
MUMBAI BRANCH                                                                               service.mn1@bankofchina.com
                                        QATAR FINANCIAL
41-B, 4TH FLOOR,                        CENTRE BRANCH
4 NORTH AVENUE,                                                                  YANGON REPRESENTATIVE
MAKER MAXITY,                           24TH FLOOR, ALFARDAN                     OFFICE
BANDRA KURLA COMPLEX,                   TOWERS-OFFICE TOWER,
BANDRA EAST, MUMBAI,                    BUILDING NO.12, ZONE 61,                 08-06, LEVEL 8,
INDIA                                   Al FUNDUQ, STREET NO.814,                UNION FINANCIAL CENTER
SWIFT    BKCHINBB                       DOHA, QATAR                              (UFC), CORNER
        (91) 2268246666                 P.O. Box    5768                         OF MAHABANDOOLA
        (91) 2268246667                 SWIFT      BKCHQAQA                      ROAD & THEIN PHYU ROAD
          bocmumbai@bankofchina.com             (974) 44473681     44473682      45TH STREET,
                                                (974) 44473696                   BOTATUNG TOWNSHIP,
                                                   service.qa@bankofchina.com    YANGON,
                                                                                 MYANMAR
                                                                                          (95) 18610408
                                                                                            service.mm@bankofchina.com




                                                        390
BAHRAIN                                                                                            MILAN BRANCH
REPRESENTATIVE OFFICE                          BANK OF CHINA (UK)
                                               LIMITED DUBLIN BRANCH                               VIA SANTA MARGHERITA,
OFFICE 1502,                                                                                       14/16-20121 MILAN,
AL JASRAH TOWER,
                                               5TH FLOOR, STYNE HOUSE,                             ITALY
DIPLOMATIC AREA
                                               UPPER HATCH STREET,                                 SWIFT    BKCHITMM
BUILDING 95, ROAD 1702,
                                               DUBLIN 2, IRELAND                                           (39) 02864731
BLOCK 317, MANAMA
                                               SWIFT      BKCHIE2D                                         (39) 0289013411
KINGDOM OF BAHRAIN
      (973) 17531119                                   (353) 14767888                                      www.bankofchina.com/it
      (973) 17531009                                   (353) 14767868
       bldbcbgs@mail.notes.bank-of-china.com           dublinbranch@mail.notes.bank-of-china.com
                                                                                                   LUXEMBOURG BRANCH

BOC AVIATION LIMITED                           BOC AVIATION                                        37/39 BOULEVARD PRINCE
                                               (IRELAND) LIMITED                                   HENRI L-1724 LUXEMBOURG
8 SHENTON WAY #18-01                                                                               P.O. BOX 114 L-2011,
SINGAPORE 068811                               SUITE 202, SOBO WORKS,                              LUXEMBOURG
      (65) 63235559
                                               WINDMILL LANE,                                      SWIFT    BKCHLULL
      (65) 63236962
                                               DUBLIN D02 K156                                             (352) 268688
         information@bocaviation.com
                                               REPUBLIC OF IRELAND                                         (352) 221795
      www.bocaviation.com
                                                       (353) 1893 4173                                       service.lu@bankofchina.com
                                                                                                           www.bankofchina.com/lu
EUROPE
                                               PARIS BRANCH
                                                                                                   BANK OF CHINA
LONDON BRANCH                                  23-25 AVENUE DE LA                                  (LUXEMBOURG) S.A.
                                               GRANDE ARMEE 75116 PARIS,
1 LOTHBURY,                                    FRANCE                                              37/39 BOULEVARD PRINCE
LONDON EC2R 7DB,                               SWIFT      BKCHFRPP                                 HENRI L-1724 LUXEMBOURG
U.K.                                                   281 090 BDCSP                               P.O. BOX 721 L-2017,
SWIFT BKCHGB2L
                                                       (33) 149701370                              LUXEMBOURG
      (44) 2072828888
                                                       (33) 149701372                              SWIFT    BKCHLULA
      (44) 2076263892
                                                       www.bankofchina.com/fr                              (352) 268688
         service.uk@bankofchina.com
                                                                                                           (352) 221795
      www.bankofchina.com/uk
                                                                                                             service.lu@bankofchina.com
                                               FRANKFURT BRANCH                                            www.bankofchina.com/lu
BANK OF CHINA
(UK) LIMITED                                   BOCKENHEIMER LANDSTR.
                                               24 60323 FRANKFURT AM MAIN,
1 LOTHBURY,                                    GERMANY
LONDON EC2R 7DB,                               SWIFT      BKCHDEFF
U.K.                                                   (49) 691700900
SWIFT BKCHGB2U                                         (49) 69170090500
      (44) 2072828888
                                                           service.de@bankofchina.com
      (44) 2076263892
                                                       www.bankofchina.com/de
         service.uk@bankofchina.com
      www.bankofchina.com/uk



                                                                  391
                                                                              BANK OF CHINA
BANK OF CHINA                          BANK OF CHINA                          (CENTRAL AND EASTERN
(LUXEMBOURG) S.A.                      (LUXEMBOURG) S.A.                      EUROPE) LIMITED
ROTTERDAM BRANCH                       STOCKHOLM BRANCH
                                                                              7 JOZSEF NADOR TER,
COOLSINGEL 63,                         BIRGER JARLSGATAN 28,                  1051 BUDAPEST,
3012AB ROTTERDAM,                      114 34 STOCKHOLM,                      HUNGARY
THE NETHERLANDS                        SWEDEN                                 SWIFT    BKCHHUHB
SWIFT    BKCHNL2R                      SWIFT    BKCHSESS                              (36) 14299200
        (31) 102175888                         (46) 107888888                         (36) 14299202
        (31) 102175899                         (46) 107888801                           service.hu@bankofchina.com
          service.nl@bankofchina.com             service.se@bankofchina.com           www.bankofchina.com/hu
        www.bankofchina.com/nl                 www.bankofchina.com/se


                                                                              HUNGARIAN BRANCH


BANK OF CHINA                          BANK OF CHINA                          7 JOZSEF NADOR TER,
(LUXEMBOURG) S.A.                      (LUXEMBOURG) S.A.                      1051 BUDAPEST,
BRUSSELS BRANCH                        LISBON BRANCH                          HUNGARY
                                                                              SWIFT    BKCHHUHH
BOULEVARD DU REGENT                    RUA DUQUE DE PALMELA                           (36) 14299200
35, 1000 BRUSSELS, BELGIUM             NO. 35, 35A E 37;                              (36) 14299202
SWIFT    BKCHBEBB                      1250-097 LISBOA,                                 service.hu@bankofchina.com
        (32) 24056688                  PORTUGAL                                       www.bankofchina.com/hu
        (32) 22302892                  SWIFT    BKCHPTPL
          service.be@bankofchina.com           (351) 210495710
        www.bankofchina.com/be                 (351) 210495738
                                                 service.pt@bankofchina.com   BANK OF CHINA (CENTRAL
                                               www.bankofchina.com/pt         AND EASTERN EUROPE)
                                                                              LIMITED PRAGUE BRANCH
BANK OF CHINA
(LUXEMBOURG) S.A.                                                             NA FLORENCI 2116/15,
POLAND BRANCH                          BANK OF CHINA                          NOVE MESTO, 11000 PRAHA 1,
                                       (LUXEMBOURG) S.A.                      CZECH REPUBLIC
UL. ZIELNA 41/43,                      ATHENS BRANCH                          SWIFT    BKCHCZPPXXX
00-108 WARSAW,                                                                        (42) 0225986666
POLAND                                 ATHENS TOWER,                                  (42) 0225986699
SWIFT    BKCHPLPX                      LEOF.MESOGEION 2,                                service.cz@bankofchina.com
        (48) 224178888                 ATHENS, 115 27
        (48) 224178887                            info.gr@bankofchina.com
          service.pl@bankofchina.com
        www.bankofchina.com/pl




                                                      392
                                       BANK OF CHINA (RUSSIA)                  TORONTO BRANCH
BANK OF CHINA (CENTRAL
AND EASTERN EUROPE)                    72, PROSPEKT MIRA,                      6108 ONE FIRST CANADIAN PLACE,
LIMITED VIENNA BRANCH                  MOSCOW, 129110                          100 KING STREET WEST,
                                       RUSSIA                                  P.O. BOX 241, TORONTO,
SCHOTTENRING 18,                       SWIFT     BKCHRUMM                      ONTARIO,
1010 VIENNA,                                    (7495) 2585301                 CANADA, M5X 1C8
AUSTRIA                                         (7495) 7950454                 SWIFT    BKCHCAT2
SWIFT    BKCHATWWXXX                                iboc@boc.ru                        (1416) 9559788
        (43) 153666800                          www.boc.ru                             (1416) 9559880
        (43) 153666888                                                                   service.ca@bankofchina.com
          service.at@bankofchina.com
        www.bankofchina.com/at         AMERICA
                                                                               GRAND CAYMAN BRANCH


                                       NEW YORK BRANCH                         GRAND PAVILION
BANK OF CHINA                                                                  COMMERCIAL CENTER
(CENTRAL AND EASTERN                   1045 AVENUE OF THE AMERICAS,            802 WEST BAY ROAD,
EUROPE) LIMITED                        NEW YORK, NY 10018,                     P.O. BOX 30995,
BUCHAREST BRANCH                       U.S.A.                                  GRAND CAYMAN KY1-1204
                                       SWIFT     BKCHUS33                      CAYMAN ISLANDS
SECTORUL 1,                                     (1212) 9353101                 SWIFT    BKCHKYKY
PIATA PRESEI LIBERE, NR. 3-5,                   (1212) 5931831                         (1345) 9452000
TURNUL DE SUD AL                                www.bocusa.com                         (1345) 9452200
CLADIRII CITY GATE, ETAJ11,                                                             gcb@mail.notes.bank-of-china.com
BUCHAREST,
ROMANIA                                BANK OF CHINA (CANADA)
SWIFT    BKCHROBUXXX                                                           PANAMA BRANCH
        (40) 729792188                 SUITE 600,
          service.ro@bankofchina.com   50 MINTHORN BOULEVARD                   P.O. BOX 0823-01030
                                       MARKHAM, ONTARIO,                       PUNTA PACIFICA
                                       CANADA, L3T 7X8                         P.H. OCEANIA BUSINESS PLAZA
BANK OF CHINA SRBIJA A.D.              SWIFT     BKCHCATT                      TORRE 2000 PISO 36
BEOGRAD                                         (1905) 7716886                 PANAMA CITY,
                                                (1905) 7718555                 REPUBLIC OF PANAMA
BULEVAR ZORANA DINDICA                            service.ca@bankofchina.com   SWIFT    BKCHPAPA
2A, 11070 BELGRADE,                             www.bankofchina.com/ca                 (507)2169400
SERBIA                                                                                 (507) 2239960
        (381) 116351000                                                                   bocpanama@cwpanama.net
        (381) 112280777
          service.rs@bankofchina.com
        www.bankofchina.com/rs




                                                       393
BANCO DA CHINA BRASIL                BUENOS AIRES BRANCH                                 JOHANNESBURG BRANCH
S.A.
                                     JUANA MANSO 999, PISO 5,                            14TH-16TH FLOORS,
AVENIDA PAULISTA,                    CABA, ARGENTINA                                     ALICE LANE TOWERS,
901-14 ANDAR BELA                    SWIFT     BKCHARBAXXX                               15 ALICE LANE, SANDTON,
VISTA CEP: 01311-100,                        (54) 1154395566                             JOHANNESBURG,
SAO PAULO, SP,                                   service.ar@bankofchina.com              SOUTH AFRICA
BRASIL                                                                                   SWIFT     BKCHZAJJ
SWIFT    BKCHBRSP                                                                                (27) 115209600
        (55) 1135083200              PERU REPRESENTATIVE                                         (27) 117832336
        (55) 1135083299              OFFICE                                                       bocjhb@mail.notes.bank-of-china.com
          ouvidoria@boc-brazil.com                                                               www.bankofchina.com/za
        www.bankofchina.com/br       AV. JORGE BASADRE 607,
                                     OFFICE 701,
                                     SAN ISIDRO, LIMA,                                   BANK OF CHINA
CHILE BRANCH                         PERU                                                (MAURITIUS) LIMITED
                                             (51) 920137238
ANDRSBELLO 2457, PISO 16,                        service.pe@bankofchina.com              4TH-5TH FLOOR,
PROVIDENCIA, SANTIAGO,                                                                   DIAS PIER BUILDING,
CHILE                                                                                    CAUDAN WATERFRONT,
SWIFT    BKCHCLRM                    AFRICA                                              PORT LOUIS, MAURITIUS
        (56) 227157800                                                                   SWIFT     BKCHMUMU
        (56) 227157898                                                                           (230) 2034878
           servicios@cl.bocusa.com   BANK OF CHINA (ZAMBIA)                                      (230) 2034879
        www.bankofchina.com/cl       LIMITED                                                       services.mu@bankofchina.com
                                                                                                 www.bankofchina.com/mu
                                     PLOT NO. 2339,
BANK OF CHINA MXICO,                 KABELENGA ROAD,
S.A. INSTITUCIóN DE BANCA           P.O. BOX 34550, LUSAKA,                             LUANDA BRANCH
MúLTIPLE                            ZAMBIA
                                     SWIFT     BKCHZMLU                                  VIA S10 NO.701, CONDOMINIO
PASEO DE LA REFORMA 243,                     (260) 211233271                             BELAS BUSSINESS PARK,
PISO 24, COLONIA                             (260) 211236782                             TORRE CUANZA SUL 8
CUAUHTMOC,                                   executive.zm@mail.notes.bank-of-china.com   ANDAR, LUANDA,
CIUDAD DE MXICO,                             www.bankofchina.com/zm                      REPUBLIC OF ANGOLA
MEXICO                                                                                   SWIFT     BKCHAOLU
SWIFT    BKCHMXMX                                                                                (244) 923165700
        (52) 5541705800                                                                          (244) 923165717
        (52) 5552078705                                                                             service.ao@bankofchina.com
           servicios@mx.bocusa.com                                                               www.bankofchina.com/ao
        www.bankofchina.com/mx




                                                        394
BANQUE DE CHINE                        TANZANIA
(DJIBOUTI) S.A.                        REPRESENTATIVE OFFICE


ZONE INDUSTRIELLE SUD,                 8TH FLOOR, AMANI PLACE,
LOT NUMERO 219B, B.P. 2119,            OHIO STREET, P.O. BOX 13602,
DJIBOUTI                               DAR ES SALAAM,
SWIFT    BKCHDJJD                      TANZANIA
        (253) 21336666                       (225) 222112973
        (253) 21336699                       (225) 222112974
                                               repofce.tz@bankofchina.com


NAIROBI REPRESENTATIVE
OFFICE


MORNING SIDE OFFICE PARK,
NGONG ROAD,
P.O. BOX 21357-00505,
NAIROBI,
KENYA
        (254) 203862811
        (254) 203862812
          service.ke@bankofchina.com



MOROCCO
REPRESENTATIVE OFFICE


NO.71, ANFA CENTER, 128,
BD D’ANFA & ANGLE
RUE LAHCEN BASRI,
CASABLANCA, MAROC
        (212) 522203779
        (212) 522273083
          service.ma@bankofchina.com




                                                    395
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