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中国银行:H股公告-2021年年度报告2022-03-30  

                                          3988 H
                  4619

           2021




2022   4   2021
                                1912 2
                                   1949


       1994
                                          2006
                                    A+H                    2008
                     2022
              2011                                    11


2022           110




                                                 62




                                   110




                            1
2035




2
3
                          1000            4
The Banker
                                   500        4
FORTUNE            2021          500     39

Global Finance




Asiamoney



IFF

The Asian Banker
                   2021
                          ESG
FinanceAsia

The Asset




                   2021




IDC                IDC
CFCA


LACP
Interbrand                                        6
                                                      3


                   2021
Forbes




                    4
             1
2035         2
             3
             4
             6
             9
            10
            13
            15
            18
            20
            21
            21
            40
            40
            46
            58
            64
            73
            76
            78
            89
            91
            95
            99
           100
           109
           117
           132
           150
           159
           163
           166
           179
           415
           419
           420




       5
A                              1.00
                                      601988




H                              1.00


                    3988




    (Bp, Bps)              1              0.01




                6
    571




7
8
       2022   3   29                               2021
                              14              14     14



                                            2021




                       2021            10   2.21
2021




                                   9
營業收入                                              營業利潤                                             稅後利潤
單位:百萬元人民幣                                    單位:百萬元人民幣                                   單位:百萬元人民幣


   483,761



              503,806


                        550,010


                                  567,647


                                            605,717




                                                                                       246,220


                                                                                                 275,142




                                                                                                                                               205,096


                                                                                                                                                          227,339
                                                         221,741


                                                                   227,533


                                                                             249,588




                                                                                                              184,986


                                                                                                                         192,435


                                                                                                                                    201,891
  2017       2018       2019      2020      2021        2017       2018      2019      2020      2021        2017       2018       2019       2020       2021



基本每股收益                                          平均總資產回報率                                     淨資產收益率
單位:人民幣元                                        單位:%                                              單位:%




                                                                                                                                              10.61


                                                                                                                                                         11.28
                                                                                                              12.24


                                                                                                                        12.06


                                                                                                                                   11.45
                                   0.61


                                             0.70




                                                                                       0.87


                                                                                                 0.89
   0.56


             0.59


                        0.61




                                                         0.98


                                                                   0.94


                                                                             0.92
  2017       2018       2019      2020      2021        2017       2018      2019      2020      2021        2017       2018       2019       2020       2021



淨息差                                                成本收入比 (中國內地監管口徑)                      非利息收入佔比
單位:%                                               單位:%                                              單位:%




                                                                                                 28.17




                                                                                                                        25.98




                                                                                                                                              26.73


                                                                                                                                                         29.81
                                                         28.34


                                                                   28.09


                                                                             28.00


                                                                                       26.73




                                                                                                              27.75




                                                                                                                                   29.08
                                  1.85


                                            1.75
   1.90


             1.95


                        1.89




  2017       2018       2019      2020      2021        2017       2018      2019      2020      2021        2017       2018       2019       2020       2021



信貸成本                                              不良貸款率                                            不良貸款撥備覆蓋率
單位:%                                               單位:%                                               單位:%




                                                                                                                                              177.84


                                                                                                                                                         187.05
                                                                                                              159.18


                                                                                                                        181.97


                                                                                                                                   182.86
                                  0.76


                                            0.66




                                                         1.45


                                                                   1.42


                                                                             1.37


                                                                                       1.46


                                                                                                 1.33
   0.81


             0.95


                        0.80




  2017       2018       2019      2020      2021        2017       2018      2019      2020      2021        2017       2018       2019       2020       2021




                                                                             10
                                         1




                                                2021           2020          2019          2018          2017

                                                425,142        415,918       390,050       372,930       349,535
                                    2           180,575        151,729       159,960       130,876       134,226
                                                605,717        567,647       550,010       503,806       483,761
                                               (226,355)      (202,411)     (198,269)     (176,979)     (173,859)
                                               (104,220)      (119,016)     (102,153)      (99,294)      (88,161)
                                                275,142        246,220       249,588       227,533       221,741
                                                276,620        246,378       250,645       229,643       222,903
                                                227,339        205,096       201,891       192,435       184,986
                                                216,559        192,870       187,405       180,086       172,407
                                                   N.A.         57,994        56,228        54,167        51,812


                                             26,722,408     24,402,659    22,769,744    21,267,275    19,467,424
                                             15,712,574     14,216,477    13,068,785    11,819,272    10,896,558
                                    3          (390,541)      (368,619)     (325,923)     (303,781)     (252,254)
                                    4         6,164,671      5,591,117     5,514,062     5,054,551     4,554,722
                                             24,371,855     22,239,822    20,793,048    19,541,878    17,890,745
                                             18,142,887     16,879,171    15,817,548    14,883,596    13,657,924
                                              2,225,153      2,038,419     1,851,701     1,612,980     1,496,016
                                                294,388        294,388       294,388       294,388       294,388


                                                   0.70           0.61          0.61          0.59          0.56
                                    5             0.221          0.197         0.191         0.184         0.176
                                    6              6.47           5.98          5.61          5.14          4.74


                        %            7             0.89           0.87          0.92          0.94          0.98
                %                    8            11.28          10.61         11.45         12.06         12.24
    %                                9             1.75           1.85          1.89          1.95          1.90
                    %               10            29.81          26.73         29.08         25.98         27.75
                                %   11            28.17          26.73         28.00         28.09         28.34
                                    12
                                              1,843,886      1,704,778     1,596,378     1,465,769     1,356,088
                                                329,845        287,843       210,057       109,524       105,002
                                                525,108        458,434       394,843       347,057       264,240
                            %                     11.30          11.28         11.30         11.41         11.15
                    %                             13.32          13.19         12.79         12.27         12.02
            %                                     16.53          16.22         15.59         14.97         14.19


            %                       13            1.33           1.46          1.37          1.42          1.45
            %                       14            1.33           1.46          1.37          1.42          1.45
                            %       15          187.05         177.84        182.86        181.97        159.18
        %                           16            0.66           0.76          0.80          0.95          0.81
            %                       17            2.83           2.96          2.97          3.07          2.77


1                                               6.3757         6.5249        6.9762        6.8632        6.5342
1                                               7.2197         8.0250        7.8155        7.8473        7.8023
1                                               0.8176         0.8416        0.8958        0.8762        0.8359


                                                       11
1           2018 1   1                                                   9
            IFRS 9

2



3



4    2021    2020      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%




                                         12
                                                                     1
                                                 100818
                                                 (86) 10-6659 6688
                                                 (86) 10-6601 6871
BANK OF CHINA LIMITED                                    www.boc.cn
     Bank of China                                       (86)   -95566

                                                                     1



                                                            A




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




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



                              1




                                  13
                                            3
                                   360033


           1318
             507    01                      4
                                   360035




                      22          BOC 20USDPREF
                                  4619
      911000001000013428


           B0003H111000001




A

    601988


H

    3988




                             14
2021



                                               2,273.39
       10.85%                     2,165.59                12.28%
            1.33%     0.13                                  187.05%
               9.21                     2021               10 2.21
         30%



           30




                                                                  3.3


                                                             H


                                               AUM          11




2021


                                                          2008




                             15
                              260



2022   110              110          110
             110               110




                        30




                   16
      110




     2022   3   29




17
2021




       14,514.68                                                   3.2


                                          3,059
4                                   1.5


                           20%                          (PRB)




       62




                                                       34%    36%
                         7.0              17.8%
                   24%   113.85%
                                                  70




                                            1,475


                                                             5.7




                                   18
110




           2022   3   29




      19
2021




2022




            2022   3   29

       20
2021




                                                                           2021
         (GDP)             8.1%                                        12.5%
                              4.9%                            21.4%
 (CPI)              0.9%               43,687




                                                                      (M2)
9.0%                                  19.95                   3,150
           314.13                    10.3%                            61.4
       7.8%                                            2.3%
       166.7                           75.16                  16.78%




       344.8                         7.8%          315.3                          7.6%
                                     2.2                          2.8
       1.73%


                                              21
                                                                              2021
                   2,273.39                222.43                  10.85%
              2,165.59                236.89                  12.28%
(ROA) 0.89%                   (ROE) 11.28%




                                        2021         2020
                                       425,142      415,918          9,224      2.22%
                                       180,575      151,729         28,846     19.01%
                                        81,426       75,522          5,904      7.82%
                                       605,717      567,647         38,070      6.71%
                                      (226,355)     (202,411)      (23,944)    11.83%
                                      (104,220)     (119,016)       14,796    (12.43%)
                                       275,142       246,220        28,922     11.75%
                                       276,620       246,378        30,242     12.27%
                                       (49,281)     (41,282)        (7,999)    19.38%
                                       227,339      205,096         22,243     10.85%
                                       216,559      192,870         23,689     12.28%




                                         2021         2021          2021        2021
                                        10–12         7–9          4–6        1–3
                                        149,820      153,042        144,989    157,866
                                         53,036       50,710         58,824     53,989
                                        395,589      (240,907)      108,072    580,504




                                         22
2021                               4,251.42                       92.24               2.22%
                7,894.88                  294.18                  3.87%               3,643.46
                201.94              5.87%




2021                           5,810.00                      306.46              5.57%



                1,538.59                    33.06                 2.20%



                                                546.29                       45.34
7.66%




2021                          2,635.99                      51.60              2.00%



                                                         589.11                      89.17
       17.84%



                    418.36                      61.17               17.13%




2021                       1.75%                10




                                         1.31




                                                23
                                                    1

    2




                     2021                               2020



        15,173,295   581,000   3.83%   13,883,933       550,354   3.96%   51,059   (20,413)    30,646
         5,237,687   153,859   2.94%    4,850,972       150,553   3.10%   11,988    (8,682)     3,306
         3,860,706    54,629   1.42%    3,726,838        59,163   1.59%    2,129    (6,663)    (4,534)
        24,271,688   789,488   3.25%   22,461,743       760,070   3.38%   65,176   (35,758)    29,418

        17,356,352   263,599   1.52%   16,351,229       258,439   1.58%   15,881   (10,721)     5,160

         3,739,854    58,911   1.58%    3,247,899        49,994   1.54%    7,576     1,341      8,917
         1,313,387    41,836   3.19%    1,129,581        35,719   3.16%    5,808       309      6,117
        22,409,593   364,346   1.63%   20,728,709       344,152   1.66%   29,265    (9,071)    20,194
                     425,142                            415,918           35,911   (26,687)     9,224
                               1.75%                              1.85%                       (10)Bps


1


2


3




1

2




                                       24
            2021                  2020




     6,535,897     4.08% 5,632,658       4.27%    903,239     (19) Bps
     5,243,820     4.83% 4,710,348       4.88%    533,472      (5) Bps
       287,532     2.66%    334,182      2.65%     (46,650)     1 Bp
    12,067,249     4.38% 10,677,188      4.49%   1,390,061    (11) Bps

     9,072,085     4.73%   7,887,644     4.83%   1,184,441    (10) Bps
1    2,995,164     3.31%   2,789,544     3.52%     205,620    (21) Bps

     3,693,355     0.82% 3,469,983       0.75%    223,372       7 Bps
     2,614,618     2.85% 2,417,325       2.82%    197,293       3 Bps
     2,387,414     0.35% 2,266,307       0.39%    121,107      (4) Bps
     3,671,859     3.07% 3,092,794       3.00%    579,065       7 Bps
       664,564     3.22%    816,731      3.40%   (152,167)    (18) Bps
    13,031,810     1.90% 12,063,140      1.85%    968,670       5 Bps


       45,029      0.97%     43,182      1.69%       1,847    (72) Bps

       76,620      0.25%     52,111      0.46%     24,509     (21)   Bps
       31,506      0.78%     31,931      1.76%       (425)    (98)   Bps
       26,307      0.01%     26,516      0.02%       (209)     (1)   Bp
       16,390      0.40%     17,835      0.69%     (1,445)    (29)   Bps
        2,605      1.73%      1,799      2.06%        806     (33)   Bps
      153,428      0.36%    130,192      0.74%     23,236     (38)   Bps




                   25
2021            1,805.75                  288.46                19.01%
                    29.81%




                   814.26                     59.04             7.82%
       13.44%




                     2021          2020


                     29,875        25,367             4,508         17.77%
                     12,717        13,825             (1,108)       (8.01%)
                     15,371        14,383                988         6.87%
                     11,868        11,912               (44)        (0.37%)
                      4,576         3,535             1,041         29.45%
                      5,520         5,871              (351)        (5.98%)
                      6,400         4,831             1,569         32.48%
                      8,126         8,916              (790)        (8.86%)
                     94,453        88,640             5,813          6.56%
                    (13,027)       (13,118)              91         (0.69%)
                     81,426         75,522            5,904          7.82%


                     22,869        18,289             4,580         25.04%
                     10,490        11,772             (1,282)      (10.89%)
                     13,799        12,913                886         6.86%
                      5,733         5,779               (46)        (0.80%)
                      4,466         3,320             1,146         34.52%
                      5,307         5,556              (249)        (4.48%)
                      6,232         4,675             1,557         33.30%
                      8,031         4,883             3,148         64.47%
                     76,927        67,187             9,740         14.50%
                    (12,587)       (9,030)            (3,557)       39.39%
                     64,340        58,157              6,183        10.63%



                              26
                           991.49                   229.42              30.10%

3   4    5



                                    2021            2020
                                     28,291           8,055           20,236       251.22%
                                      3,197           9,547           (6,350)      (66.51%)
                                     67,661          58,605            9,056        15.45%
                                     99,149          76,207           22,942        30.10%




         2021                   2,263.55                     239.44              11.83%
                                           28.17%                                  6 7



                                    2021            2020
                                     99,317          89,334            9,983        11.17%
                                     47,403          38,944            8,459        21.72%
                                     23,882          22,871            1,011         4.42%
                                      5,715           5,465              250         4.57%
                                     31,579          30,581              998         3.26%
                                     18,459          15,216            3,243        21.31%
                                    226,355         202,411           23,944        11.83%




                                                                                          2021
                         1,042.20                   147.96              12.43%

9   17          2




2021                       492.81                   79.99               19.38%
17.82%
                    10


                                              27
             2021             267,224.08                        23,197.49
        9.51%        243,718.55                     21,320.33
9.59%




                       2021   12      31           2020   12    31



                    15,322,484         57.34%   13,848,304         56.75%
                     6,164,671         23.07%    5,591,117         22.91%
                     2,228,726          8.34%    2,076,840          8.51%
                     1,842,711          6.90%    1,663,640          6.82%
                     1,163,816          4.35%    1,222,758          5.01%
                    26,722,408        100.00%   24,402,659        100.00%


                    18,142,887         74.44%   16,879,171         75.90%
                     4,046,063         16.60%    3,216,763         14.46%
                     1,415,032          5.81%    1,270,437          5.71%
                       767,873          3.15%      873,451          3.93%
                    24,371,855        100.00%   22,239,822        100.00%




                                 28
                                                     157,125.74
14,960.97                 10.52%                        127,586.58
  14,196.68                 12.52%                   4,633.09
223.08                   5.06%                          17




              3,905.41                  219.22                                232.13
                15.21




                                        2021 12 31                   2020 12 31



                                      7,161,416      45.58%     6,266,331              44.08%
                                        329,463       2.10%       255,601               1.80%


                                      2,090,365      13.30%     2,078,158              14.62%
                                      9,581,244      60.98%     8,600,090              60.50%


                                      5,461,645      34.76%     4,979,214              35.02%
                                            735       0.00%           645               0.01%


                                        631,370       4.02%       603,436               4.24%
                                      6,093,750      38.78%     5,583,295              39.27%
                                        37,580        0.24%          33,092            0.23%
                                     15,712,574   100.00%      14,216,477          100.00%




                                        29
        61,646.71          5,735.54              10.26%
       47,768.96          4,105.86              9.40%
2,176.66            299.53                 15.96%




                      2021 12 31                   2020 12 31



                      561,642          9.11%       504,549       9.02%


                    2,389,830          38.77%    2,107,790       37.70%
                    3,213,199          52.12%    2,978,778       53.28%
                    6,164,671         100.00%    5,591,117      100.00%




                           30
                                                                  2021 12 31                     2020 12 31




                                                              3,183,332         51.64%        3,033,111           54.25%
                                                                164,741          2.67%          130,695            2.34%
                                                                532,783          8.64%          447,037            7.99%
                                                                505,577          8.21%          424,672            7.59%
                                                                269,345          4.37%          216,751            3.88%
                                                                152,433          2.47%          152,433            2.73%
                                                              4,808,211         78.00%        4,404,699           78.78%

                                                                646,221         10.48%          556,612           9.95%
                                                                100,072          1.62%           65,825           1.18%
                                                                158,740          2.58%          172,107           3.08%
                                                                147,209          2.39%          141,476           2.53%
                                                              1,052,242         17.07%          936,020          16.74%
                                                                304,218          4.93%          250,398           4.48%
                                                              6,164,671        100.00%        5,591,117         100.00%




單位:百萬元人民幣(百分比除外)                                  單位:百萬元人民幣(百分比除外)

                                   人民幣 77.49% 4,776,896                                           人民幣 78.09% 4,366,310


                                   美元   13.00% 801,236                                             美元   12.55% 701,408



                                   港幣   4.22% 260,080                                              港幣   3.80% 212,522




                                   其他   5.29% 326,459                                              其他   5.56% 310,877



         2021年12月31日                                                    2020年12月31日




                                                             31
2018        13,370        4.98%   2025-01-12           –
2019        12,826        3.48%   2029-01-08           –
2020        12,610        2.96%   2030-04-17           –
2019        12,576        3.65%   2029-05-21           –
2017        12,510        4.39%   2027-09-08           –
2018        11,092        4.88%   2028-02-09           –
2018        10,730        4.73%   2025-04-02           –
2020        10,008        3.23%   2030-03-23           –
2019         8,725        3.75%   2029-01-25           –
2017         8,580        4.02%   2022-04-17           –




            181,428.87                12,637.16
7.49%            141,482.20                11,451.93
    8.81%        6,265.46                  324.92
    5.47%




                     32
   2021      12   31           2020      12   31




 5,275,514         29.08%    4,956,751             29.37%
 3,968,527         21.87%    3,621,775             21.46%
   351,445          1.94%      254,553              1.50%
 9,595,486         52.89%    8,833,079             52.33%


 3,487,433         19.22%    3,355,893          19.88%
 4,299,050         23.70%    3,854,531          22.84%
   300,628          1.66%      379,680           2.25%
 8,087,111         44.58%    7,590,104          44.97%
   160,419          0.88%      206,146           1.22%
   299,871          1.65%      249,842           1.48%
18,142,887        100.00%   16,879,171         100.00%



 4,482,516         30.06%    4,165,682             30.43%
 2,892,996         19.40%    2,616,098             19.11%
   320,078          2.15%      232,736              1.70%
 7,695,590         51.61%    7,014,516             51.24%

 2,711,693         18.19%    2,597,483          18.97%
 3,920,101         26.29%    3,463,984          25.30%
   297,935          2.00%      375,812           2.75%
 6,929,729         46.48%    6,437,279          47.02%
   285,430          1.91%      238,943           1.74%
14,910,749        100.00%   13,690,738         100.00%




             33
                                                              2021 12 31                         2020 12 31



                                                          6,949,089            38.30%          6,453,523            38.23%
                                                            746,501             4.12%            560,993             3.32%


                                                          1,899,896            10.47%          1,818,563            10.78%
                                                          9,595,486            52.89%          8,833,079            52.33%


                                                          6,635,794            36.58%          6,136,873            36.36%
                                                            293,935             1.62%            300,406             1.78%


                                                          1,157,382             6.38%          1,152,825             6.83%
                                                          8,087,111            44.58%          7,590,104            44.97%
                                                              160,419           0.88%            206,146              1.22%
                                                              299,871           1.65%            249,842              1.48%
                                                       18,142,887             100.00%         16,879,171           100.00%




單位:百萬元人民幣(百分比除外)                                    單位:百萬元人民幣(百分比除外)

                                   人民幣 77.98% 14,148,220                                            人民幣 77.04% 13,003,027


                                   美元   9.73% 1,765,005                                              美元   9.78% 1,651,454


                                   港幣   7.23% 1,311,343                                              港幣   7.81% 1,318,279



                                   其他   5.06% 918,319                                                其他   5.37% 906,411




         2021年12月31日                                                      2020年12月31日




                                                               34
                       23,505.53                       1,877.16              8.68%
               (1) 2021                         2,273.39
      2,165.59       (2)                                                     700
                                                    280                     (3)
                    2020                                                579.94
(4)                        51.895




               16




                                    40




                                    19,756.31                     4,807.63




                                           35
2021                                                                  8,432.58
7,702.30



                                            3,955.61                                                  3,784.95




                                            743.44                                                   522.73




                    2021         2020        2021        2020       2021       2020      2021      2020       2021        2020
                    375,906      362,993      34,053      37,560    15,183     15,365         –        –    425,142     415,918
                    105,139       73,641      72,855      73,807     5,129      6,637    (2,548)   (2,356)    180,575     151,729
                     64,340       58,157      14,480      14,662     3,959      4,135    (1,353)   (1,432)     81,426      75,522
                   (163,673)    (140,087)    (57,445)    (56,479)   (7,843)    (8,201)    2,606     2,356    (226,355)   (202,411)
                    (99,622)    (107,622)     (4,317)     (4,981)     (281)    (6,413)        –        –   (104,220)   (119,016)
                    218,529      188,740      45,845      50,250    12,188      7,388        58         –    276,620     246,378


               21,491,846 19,454,269 4,625,924 4,306,679 2,292,838 2,090,165 (1,688,200) (1,448,454) 26,722,408 24,402,659
               19,607,634 17,753,122 4,230,215 3,917,100 2,222,113 2,017,915 (1,688,107) (1,448,315) 24,371,855 22,239,822


                           3
                               214,918.46                                             20,375.77
10.47%                          75.65% 2021                                        2,185.29
297.89     15.78%                                                             79.01%


                                     46,259.24                                                3,192.45
  7.41%                         16.28% 2021                                              458.45
44.05      8.77%                                                           16.58%



3




                                                        36
                   22,928.38                       2,026.73              9.70%
              8.07% 2021                  121.88                     48.00
     64.97%                     4.41%




                               2021                           2020


                          528,041        87.17%         507,110         89.33%
                          203,654        33.62%         217,590         38.33%
                          216,450        35.73%         221,634         39.04%
                          107,937         17.82%         67,886         11.96%
                           45,122          7.45%         41,017          7.23%
                           32,554          5.38%         19,520          3.44%
                          605,717        100.00%        567,647        100.00%




43




                                    37
       2021         2020
     12 31        12 31



      356,462      347,243       9,219
      102,268       88,025      14,243
      102,912       69,281      33,631
      355,600      363,637      (8,037)



     2,363,078    2,086,362    276,716
       26,752       21,428       5,324
       95,799      171,738     (75,939)
       (89,151)    (212,052)   122,901
         (162)       (3,831)     3,669
       (31,311)     (25,742)    (5,569)
         (317)       (6,162)     5,845
       (12,458)     (17,912)     5,454




38
5




    39
2021




                      5G






               2021                              1.26
                              4
                      8,200                3.6
                                   1,300
       3,000                               93







4




                              40





            2021
   14,086              57%
                                  2021




                                                       107
                                                        1,294
     234                                          (NAFMII) 2021



                                         (CCER)




                                              (PRB)
                   (TCFD)
                              (COP15)
            (COP26)







                             41
                                                               5
                      2021
         8,815                          53.15%
    62                                                                 3.96%








                             8                   50



                                                                          2021
                 89                                   126          4









                                             60%

5
                                                        2021
                             [2021]49


                                        42

                              e


   e


                TradeGo




                 APP

         16.7



                       2021
   129   130










                                  2021




                       43


                                   2021
                    75.30%   FOF
          246.50%


                                                    4
                                                2



        2021
   14.73



                                          82%




   2021




                                   44




   2021
                 2.16







                                  e





          2021               40       17







                        45
                       2021                                          4,693.46
             403.13           9.40%



                                  2021                     2020


                              176,662        37.64%    186,956       43.58%
                              199,157        42.43%    199,508       46.50%
                               83,336         17.76%    41,763        9.73%
                               10,191          2.17%       806        0.19%
                              469,346        100.00%   429,033      100.00%




                                                       (AUM)


               (FPA)

             2021                                        1,766.62




                                 69,489.25                    4,954.37
     7.68%                1,170.85                       311.08
36.18%

                                        46
       71,236.47                          8,673.75              13.86%
  516.75                            125.02                 31.91%




           1,100                                     116
                            1,402
(CIPS)                     507
                   (The Asset)      2021




                                                                         H




                          47
                                                                       2021
                    7.26                       26.26%
3.32                       38.9%


                           (SWIFT)


       e
       e



           2021                129   130




                                                                              2021
                           11.26                    22.36%
             8.41                     24.45%
                                            24%


                                                             (CRI)
           (ORI)




                                                              (CIPS)
             CIPS


                                       48
                          (The Asset)

                   2021




1.5




           7,500
                                 e




      49
                                             2021
1,415.45                397.53            39.05%
367.59                26.23           7.68%              7,835.02
           1,906.30              32.15%                1.6




                                                         2021
                                        1,991.57




                                          2022




                                                 4.0
  2021




                                   50
                                                                    11
                            33%



                                  75.30%



12                    4




       170
2021                                   8,239                      1,092




                                                              E           E



                    54,616.45                      4,824.31               9.69%
                                                     9.5




                                               E
             2021                                                                 1




                                  51
                                    14.73
2.16




       82%
                       151




                         461.02
                  25                        39



                                  APP




             52
2021                   11,645.72                      829.99
              e              50
                                                300



       2022




                          2021        2020
                        12 31       12 31
                        62,105.35   59,426.93          4.51%
                        13,507.22   13,174.39          2.53%
                        11,645.72   11,154.83          4.40%
                         4,962.99    4,880.86          1.68%
                           2021       2020
                        92,627.92   80,319.41         15.32%
                        15,624.69   16,394.27         (4.69%)
                         3,582.40    3,637.98         (1.53%)




                  53
                                                           2021
                  39.38                22.00%
  612                     7,104



           2021                                     76.9
24.1%                                           2,020
  66.94%




                                  54
              40




                   16,089.47




                    85




                               (The
Asset)




         55
                                                                11
         5                                       (RMBS)              464.42     6
                                  34.76




                                                                       2021




               2021                                       3.2
                  1.71                           23.17%
             2021




                                   5
                                          2021
Lipper                   Lipper                    2021




                                                 15.23                 29.22%




                                          56
                                                    2021                124
             185                                                              86.18
                   983.17         138.25                         9.90



         545.57                   17.11%                692.39
25.50%
             1.30%                     261.78%




                                                 2021     11


                            126
                                   93.32


2021




                                      57
                                    5,013.25                4,239.37
       3.34% 3.96%   2021                           71.24
       16.60%

                                                                  2021
550                            62                                  41
      2021   10




                                                            500




                                               35


                            (ESG)




                              58
               30          600




GO APP




    H



                    16.7
         1.3




               59
2021              272.51                31.82%
         90.95                5.39%                          G3
         113.09                2.78%




                     2021               27             13
                                              (CIPS)
CIPS                                         2021
       632                   34%




                    (PSD2)



                                                            51
                                        15




                                   60
          (GSP)




30        12




     61
                     ESG



                                                                2021
               528.64                36,394.30                 3,274.61
                 249.99


       ESG




                           ESG                     ESG
                                                      11
                                 3




                                                    (iGTB)                       BoC
Bill   FXall                                                              2021
                                                       FXall
                          eWB
                                            e-Pocket
                                                                   (LCS)




                                                 2021




                                      62
             (IPO)



                          RM Chat




       ESG
                                    (CIPS)




2021




                     63
                                10


                    IPO
                A




                                       35.39
     968.75          226.58          14.89




       (ESOP)




                              ESG

11




                      64
2021


    (The Asset)
            2021
             (Lipper)              (Lipper)   2021




                                                      27.78




                              12
3       14



                        IPO
                                                ABS
                                              ABS




                                      65
                                                                 1.00
       55.79             43.09                      10.26




                                              ESG



QDII                                                                    18
               4,993                                    3,983
                       2,866




                                               100.00                   144.29
           130.82                     26.09



                2021                                1.71
23.17%




                                                            12


                77%




                                 66
          37.49                  99.80                 44.07
        27.27                  2.26




               B2B2C
                                                               5




         ESG




35.38                   1,978.99              116.26
9.54




                  BAM




                                         67
                                                                                  45.35
                137.12                 49.20                             57.71
     3.20




            3                     3    15

     21                                                        A
                          8                             A-
19




24.67                    492.75                     30.90                        177.62
                1.26

                                                                   35%
                                                                                 99%




                              7   24
                                                                         21

                                                       16      2021
                                                             2021
                                                2021

      2021      ESG

                                               68
         340.52             1,421.71          747.98
         69.06




                                                       6




145.00             848.68            179.66                   20.50




                  2021                             1,860.68
                  272.66




                                69
                                        11.58                       238.79
52.66
                                                   5.61




                           64%                                               52
        7                                                                    74
                   5             86           38
                                   23                2021
3.9




                       108.00           372.14                    106.84
            0.34




                        2021                                400
28%




                                         70
  15.14                 543.26               78.62              8.44




                    2021                27
400       900
                     524.35                     56.90%
                35.06%                  28



                                                         2021
                                 2021
                       2021




                                        71
             6.00                9.88      6.58




          CMMI5


(IDC) 2021 IDC      FinTech 50
           2021
                                    2021




                     72
                                            2021
324.97            18.18%                                               39.38
         22.00%                       612                                      7,104




                            2021     12     31     2020    12     31
                                        648.12                543.51           19.25%
                                     19,878.57             19,422.67            2.35%
                                     23,518.05             21,055.24           11.70%




                                       2021                     2020
                                2,770,901.86          2,321,660.28             19.35%
                                  456,744.06            405,204.97             12.72%
                                  393,765.11            322,770.28             22.00%




             24
                            2020


                           50


           2021                                  113.85%
(CFCA)




                                73
                                  7.0


                             PK




Lucky IP




                      2021
     76.9   24.1%
2,020        66.94%




                       300




                 74
                                         5G                                5G
                      5G




2021
       10,382                                 520
                550



                           2021    12    31      2020   12    31
 ATM                                    27,729               33,314   (16.76%)
                                        32,367               31,960     1.27%




                              75
                                                                      2021
                   12,873          4.20%
8,189                3.07%           37                         94%
     186.18




              2021



  IT                                                       (OASIS)
              IT


                                                           IT

   DevOps


                                                IT

                                                     7.0



            (iGTB)
                                                           26
                                                                             IRS



                                                 60%
       28                    217




                                           76
    1            GO APP
                                80




                                 15PB


                                     15
                                          5G



6
        4,569   2021      194




                77
                                                                                             III




                                        董事會                                                監事會



                                                                                                            董
               戰略發展委員會                           風險政策委員會          審計委員會
                                                                                                            事
                                                                                                            會

                                                      美國風險與管理委員會


                                                                                                            高
                                        行長                                                                級
                                                                 風險管理與                                 管
                                                               內部控制委員會                               理
                                                                                                            層
分管行領導                        風險總監                                      總審計師


                                   內
                                                         資
                                   控                                                                       集
客戶關係部門        風     授                    信      產
                                   與                                                                       團
                    險     信                    用      負    辦                    審
                                   法                                                                       職
                    管     管                    審      債    公                    計
                                   律                                                                       能
產品管理部門        理     理                    批      管    室                    部
                                   合                                                                       管
                    部     部                    部      理
                                   規                                                                       理
                                                         部
                                   部                                                                       部
    ......                                                                                                  門


 一道防線                         二道防線                                       三道防線


                                                                                                       分        附
                   境內外分子行、綜合經營公司管理層及對應部門                                          支        屬
                                                                                                       機        機
                                                                                                       構        構




                                                        78
                    6
2021                     2,087.92                      15.19
1.33%            0.13                                    3,905.41
        219.22                       187.05%                   9.21
                        1,930.30                      30.45
1.49%            0.16                                 2,108.13
    537.81                1.35%                0.52




6




                                    79
   2021   12      31               2020   12   31



15,255,389         97.32%       13,711,518       96.67%
   210,813          1.35%          264,594        1.87%
    61,790          0.39%          125,118        0.88%
    60,718          0.39%           33,823        0.24%
    86,284          0.55%           48,332        0.34%
15,674,994        100.00%       14,183,385      100.00%
   208,792          1.33%          207,273        1.46%

12,586,668         97.17%       11,089,055       96.41%
   173,561          1.34%          222,751        1.94%
    53,591          0.41%          115,873        1.01%
    55,923          0.43%           31,078        0.27%
    83,516          0.65%           43,034        0.37%
12,953,259        100.00%       11,501,791      100.00%
   193,030          1.49%          189,985        1.65%




                                                           %
                       2021        2020             2019
                         1.18         1.21            1.40
                        32.91        32.66           21.45
                        83.68        24.68           40.86
                        23.06        28.62           18.76




             80
                                    2021 12 31                                         2020 12 31




                    1,589,119    10.14%          30,111        1.89%      1,395,690    9.83%        42,010   3.01%
                    1,549,639     9.89%          55,341        3.57%      1,329,778    9.38%        56,696   4.26%


                    1,578,645    10.07%          18,073        1.14%      1,313,457    9.26%        14,276   1.09%
                      687,186     4.38%          34,694        5.05%        639,777    4.51%        29,952   4.68%

                     657,020     4.19%           13,173        2.00%       554,626     3.91%         2,374   0.43%
                     500,380     3.19%              201        0.04%       487,488     3.44%            42   0.01%
                     161,473     1.03%            4,717        2.92%       163,193     1.15%         4,537   2.78%
                     266,775     1.70%            3,406        1.28%       218,541     1.54%         3,806   1.74%


                     295,183      1.88%        2,257           0.76%       243,268     1.72%      2,319      0.95%
                     159,284      1.02%        2,215           1.39%       136,444     0.96%        894      0.66%
                      46,175      0.30%          608           1.32%        39,670     0.28%        861      2.17%
                   7,490,879     47.79%      164,796           2.20%     6,521,932    45.98%    157,767      2.42%
                   5,462,380     34.85%       28,234           0.52%     4,979,859    35.11%     32,218      0.65%


                    2,721,735    17.36%          15,762        0.58%      2,681,594    18.91%       17,288   0.64%
                   15,674,994   100.00%      208,792           1.33%     14,183,385   100.00%   207,273      1.46%


                                                                                      2021
                     15,786.45                                         2,651.88                 20.19%
       15,496.39                                  2,198.61                     16.53%
                                                   1.12                    0.69


                                9
                                                                                                      12
                                                                                                             2021
                                      152,077.89                             97.04%
2,552.14                 1.63%                                         2,081.86                      1.33%




                                                          81
2021                  2,087.92                         15.19
1.33%       0.13                                                         1,930.30
        30.45                         1.49%                    0.16
                                                    157.62
15.26        0.58%                      0.06




                                          2021             2020            2019


                                         207,273           178,235        166,952
                                          86,583           100,392         94,870
                                         (85,064)          (71,354)       (83,587)
                                         208,792           207,273        178,235


                                         189,985           169,951        162,778
                                          77,098            86,209         88,658
                                         (74,053)          (66,175)       (81,485)
                                         193,030           189,985        169,951




                   2021 12 31            2020 12 31               2019 12 31



             12,727,437     170,103 11,313,067      164,072 10,125,083      150,532
              2,947,557      38,689 2,870,318        43,201 2,909,106        27,703
             15,674,994     208,792 14,183,385      207,273 13,034,189      178,235


             12,623,061     170,102 11,245,545      161,651 10,041,692      149,808
                330,198      22,928    256,246       28,334    260,716       20,143
             12,953,259     193,030 11,501,791      189,985 10,302,408      169,951




                                                       4          2




                                 82
2021                             982.98                    53.32                0.66%
            0.10                                                   953.08
17.23                    0.78%              0.08




                                                                                         %
                                                        2021         2020         2019
                                                      12 31        12 31        12 31
                                          ≤10             2.3          2.8          3.2
                                          ≤50            12.8         13.9         14.5



1


2




              17     2


              2021




        A                                                              60,766      0.39%
        B                                                              42,968      0.27%
        C                                                              41,403      0.26%
        D                                                              40,600      0.26%
        E                                                              35,320      0.23%
        F                                                              31,246      0.20%
        G                                                              24,300      0.16%
        H                                                              23,566      0.15%
        I                                                              22,294      0.14%
        J                                                              22,000      0.14%




                                                 83
         3




                                                                                      7
                                 25



                       2021   12      31                         2020   12   31


    25       (3,846)     (816)        160        151   (3,405)     (921)      16    203
    25        3,846       816         (160)      (151) 3,405        921      (16)   (203)




7




                                            84
2021



                                                                          %
                                       2021           2020        2019
                                     12 31          12 31       12 31
                            ≥25           49.6         54.5          54.6
                            ≥25           69.9         58.6          60.4




                   4



                                   2021   12   31        2020   12   31
                                          2,111,462             2,036,554
                                          (9,586,299)           (8,932,662)
 1                                          (364,383)             (693,580)
 1         3                                (685,992)             (143,909)
 3         1                                (300,183)               70,657
 1     5                                   3,330,756             2,895,333
 5                                         7,845,192             6,930,444
                                           2,350,553             2,162,837
               =       –




                              85
86
                                   2019   2021




                            2021
127      7,903




(RACA)           (KRI)   (LDC)




                  87
88
2021            700                     750
                                  280


       16.53%              0.31




                      89
2021




         2021             2020              2021            2020
       12 31            12 31             12 31           12 31
       1,843,886        1,704,778         1,563,789        1,441,977
       2,173,731        1,992,621         1,883,294        1,719,467
       2,698,839        2,451,055         2,391,365        2,162,054
        11.30%            11.28%              11.06%         10.99%
        13.32%            13.19%              13.32%         13.10%
        16.53%            16.22%              16.91%         16.47%


                                          6




2021




                           2021      12   31       2020    12   31
                                     2,173,731             1,992,621
                                    28,425,377            25,880,515
                                        7.65%                 7.70%


                                              5




                   90
2021




2021                      11,452                           10,902
                             550                             10,382
       38                     371                  9,972




             8,044,867       28.26%    2,074    18.11%      62,774     20.49%
               884,049        3.11%      899     7.85%      23,606      7.71%
             6,217,175       21.84%    3,484    30.42%      91,095     29.74%
             4,327,271       15.20%    2,746    23.98%      65,983     21.53%
             2,076,633        7.29%    1,699    14.84%      37,450     12.23%
             4,625,924       16.25%      420     3.67%      19,445      6.35%
             2,292,838        8.05%      130     1.13%       5,969      1.95%
            (1,746,349)
            26,722,408      100.00%   11,452   100.00%     306,322    100.00%




                                 91
2021                 306,322                280,908
           267,037                                     25,414
                                    4,934




  30                           21.87%       20.59%    30.55%
  31–40                       36.87%       36.74%    37.80%
  41–50                       23.83%       24.60%    18.53%
  51                           17.43%       18.07%    13.12%


                               10.55%        8.67%    23.34%
                               68.48%       70.64%    53.78%
                               16.92%       17.23%    14.79%
                                4.05%        3.46%     8.09%




                               92
16.26%             7.61%
18.86%             9.05%
 0.35%             3.07%
34.91%             9.89%




                  40%
              3




         93
2.5   935




        94
                           2021




           2021                                      71,614.16                    8,950.85
                  14.28%
                                    8,815                        3,059
                         53.15%                                              5,162
                    2,075                  67.2%



                                                     8
                                                                         4,197
    45.86%                                                        271
                      25
           2,993                   135%                                       1,291
         28.8%                                2.44                         3,268
      15.46%                              2.69
    41.57%                        1.44

    2022




8




                                              95
                                    2021
                       2,087.92                  15.19
1.33%           0.13                           2,108.13
       537.81               1.35%             0.52
  1,677.37                 116.47          1.07%          0.19



      2022




                                    2021




                                                  e

7.0




                              96
                              GO

                              1500




           60%              217




                                     2021
       6              194


2022
                 IT




                       97
2021




                               62
              41        2021


                   9




       2022




                   98
2022




2022   110




         2022        10%




                99
2021                                                                                                                                                             (ESG)




                                                                                                                          2021
                                                                                                                                                                 4


                                                                                                                                   2021                                   2020




                                                                                                  董事會



                                                                                            高級管理層                                                   風險政策委員會
                           戰略發展委員會                                                 (執行委員會)

                          定期審議綠色金融                                                綠色金融委員會                                              定期審議本行環境與社
                                                                                                                           主席:行長
                          的戰略及執行情況                                                                                                            會風險管理情況等議題


      秘書處                                           業務╱產品部門                                                                         相關管理與職能部門

                                                                                                                                                                     渠
                     資                      普   鄉      個                                                                  數         綜
 綠                                                                                                        董        全                                              道              產
           授        產       公     交      惠   村      人        消    全    投   資      銀                               字    股   合      風         信               信
 色                                                                                                        事        球                                              與              品
           信        負       司     易      金   振      數        費    球    資   產      行                 辦            資    權   經      險         用               息           研
 金                                                                                                        會        化                                              運              研
           管        債       金     銀      融   興      字        金    市    銀   管      卡                 公            產    投   營      管         審               科           究
 融                                                                                                        秘        辦                                              營              發
           理        管       融     行      事   金      金        融    場    行   理      中                 室            管    資   管      理         批               技           院
 團                                                                                                        書        公                                              管              中
           部        理       部     部      業   融      融        部    部    與   部      心                               理    與   理      部         部               部
 隊                                                                                                        部        室                                              理              心
                     部                      部   部      部                                                                  部         部
                                                                                                                                                                     部




                境內分行                                                                  綜合經營公司                                                                    境外機構

                                                               設立本機構綠色金融委員會、團隊或從事有關工作的專╱兼職人員




                                                                                            100
                                                                                                 1     1        N




                                                                            15




                          2021



                                                                                      政策體系

                                                                              「十四五」綠色金融規劃                                                                 1
                                                                                                                                                                     +
                                                                     服務「碳達峰、碳中和」目標行動計劃                                                              1


          業務發展                                                                                              環境與社會風險管理             數據標準與系統

                                                                   行業政策

                                                                                                                                                                     +


                                                行業信貸投向指引            行業資產組合管理方案

                                                                                                                                                 環
              碳     可                                                                                                       環                 境
中            減     再          普                                                                                 綠        境                 與
     服                     境                                                                                                       相                綠
國            排     生          惠   加   推                                                              碳       色        和                 社             綠
     務                     外                                         新                                                兩          關   加           色
銀            支     能          惠   大   動                                    水                        排       金        社                 會             色
     生                     機                                         能                        鋰                      高          行   強           產
行            持     源          如   綠   綠         風                         務                        放       融        會                 風             信
     態                     構                                         源                        離                      行          業   綠           業
綠            工     補          願   色   色   光    電                         與                        權       等        風                 險             貸
     文                     綠                                         汽                        子                      業          授   色           指
色            具     貼               信   金   伏    設    水                   水                        抵       業        險                 分             統
     明                     色                                         車                        動                      信          信   授           導            N
信            助     確          碳   貸   融   發    備    電                   環                        質       務        兩                 類             計
     戰                     金                                         整                        力                      貸          審   信           目
貸            力     權          惠   投   高   電    製    行                   境                        押       風        個                 系             表
     略                     融                                         車                        電                      管          批   合           錄
工            綠     融          貸   放   質   行    造    業                   治     71個               管       險        清                 統             操
     考                     工                                                                                           理          權   同           分

                                                                                       ...
作            色     資          服   為   量   業    行    信         製             行業政策   池        理       權        單                 標             作
     核                     作                                                   理                                      方          限   管           類
指            信     業          務   重   發   信    業    貸         造                        行        辦       重        管                 籤             規
     方                     要                                         行        行              業                      案          政   理           規
引            貸     務          方   點   展   貸    信    政                   業                        法       政        理                 標             程
     案                     求                                         業                        信                                  策                範
              發     指          案             政    貸    策                   信                                 策        要                 註
              展     引                                                信                        貸                           求                 要
                                                策    政                         貸
                                                                       貸                        政                                              求
                                                      策                         政
                                                                       政                        策
                                                                                 策
                                                                       策




                                                境內分行和主要境外機構、綜合經營公司出台綠色金融規劃或行動計劃




                                                                                      101
                         71




ESG         ESG
      ESG




                        (ICAAP)




                  102
                                      2021


             目標                   完成情況                                                 其他指標

     一萬億元                 新增突破5000                              綠色債券
                                                                                                 中銀金租綠色金融資產餘額
     對綠色產業提供不少於
                              億元,超額完成階段性                                               106億元,佔比約28%
     一萬億元人民幣的資金
                              目標,2021年綠色信貸餘額
     支持                     14086億元(銀保監會口徑)          投資 — 第一                      中銀資產累計投資綠色產業金額
                                                               銀行間市場交易商協會(NAFMII)
                                                               2021年度綠色債務融資工具投資
                                                                                                 279億元,佔比超過40%
                                                               人排名第一
     綠色信貸餘額             同比增速57%                                                        中銀保險開發投產9款環境污染責任險附加
十   逐年上升                 (銀保監會口徑)                 承銷 — 第一                      險:承擔保險責任83億元
四                                                             — 承銷境內綠色債券發行規模

五                                                             1294億元人民幣,商業銀            中銀基金發行「中銀上清所0–5年農發
                                                               行中排名第一                      行債券指數」基金,成立規模51億元

     不低於30%,                                               — 承銷境外綠色債券發行規模折
期                                                             合234億美元,彭博「全球           中銀理財推出綠色金融主題產品30隻,
間
     力爭達到60%              同比增速超過60%
     境內個人綠色消費信貸                                      離岸綠色債券」排行榜中位居中      產品規模129億元
     年平均增速                                                資機構首位
                                                                                                 中銀投累計投資綠色項目8個,項目總
                                                               發行 — 最活躍                    投資規模111億元
                              綠色信貸不良率低於0.5%           境外累計發行等值107億
                                                                                                 中銀國際全年承銷 24 筆境外綠色和可
     資產質量保持在良好水平   (銀保監會口徑),低於             美元,最活躍的中資綠債            持續發展債券,累計承銷金額超過等
                              集團整體信貸不良率水平           發行人                            值 80億美元




                                   2021
                                                                                                                          11,702
                                                                                                                          25,380
     COD                                                                                                                      67
                                                                                                                              52
                                                                                                                           1,385
                                                                                                                           1,374
                                                                                                                          12,992




                                                         103
                            9
2021                                                       10%        2017                      5


                                                   棕色行業信貸對公
                                                   佔比合計低於10%

                                                                                煤炭
                                                                                造紙
                                                                                石化
                                                                                化工
                                                                                水泥
                                                                                鋼鐵
                                                                                有色
                                                                                火電
                                                                                民航


             其他行業信貸對公
                 佔比超90%


                  其他部份 煤炭      造紙   石化    化工   水泥   鋼鐵   有色    火電    民航




                                10
                                                                    62
       1.1
                                                                          11




                                                                  2021                 2020             2019
                                                              2,754,463          2,717,945          2,825,765
                                                              1,534,060          1,512,554          1,587,180
                                                                   4.99               4.89               5.12




9




10
                                                                                         (GHG Protocol)
                        1            2       3                            GHG Protocol              1          2

11
                                                    2021



                                                    104
               2021
                                                                          3.32
       38.9%
                              e
                      1,400                                           e

                                   55                   1,400                          300



2021                                              62                      41
                                                                700
                                  2,230


                                          11.26                 22.36%           632
               34%




               2021




                                                  105
  2021                                                          8,815
53.15%                   62              32%                            117.26
               563.61%




46                                                    e
                                                  e       118              2021
12              e




     2021                              351.16              26.43%
       468.3             14.91%                         829.99




                                       126



                                                                            2021
                              17,408            15.8%                      1,888
                 46%




                                       106
                                                                                 4




                                                               1.07

                                 2.89                                 1.77
                3




                                 3.15



2021                                    93%                                          14.8
                    21.1%                     100%
       150.70




      12


                                                                                 2021



                                                               73            188
                      1,736.31                      16
                                                                             6
       10                                                6.6
640




12




                                              107
                           2021                    70
                                                        21
       5,800

2021


                                  7   26                 2,000
               5   4,459                   37.71
               3             6,800                      91.56




2021


                                                                 2021




                                                                   2021




                      108
                                2021 1 1                                                       2021 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       2021   12   31                                     294,387,791,241        210,765,514,846          A
        83,622,276,395   H


2       2021   12   31                     A          H




                                                           109
2021         12      31                                       728,790                          553,596     A                 175,194
     H

                                                                                  705,350                      530,665        A
         174,685             H

2021         12      31




1                                                        –     188,461,533,607   64.02%         –                          A
2                                              (52,922,305)      81,849,088,685   27.80%         –                          H
3                                             (654,880,040)       7,941,164,885    2.70%         –                          A
4                                                        –       1,810,024,500    0.61%         –                          A
5                                             255,524,716         1,067,361,975    0.36%         –                          A
6        MUFG Bank, Ltd.                                 –        520,357,200     0.18%         –                          H
7                                                        –        382,238,605     0.13%         –                          A



8                                             (377,295,920)        335,393,250     0.11%         –                          A
                           005L   CT001
9                                             152,000,037          152,000,037     0.05%         –                          A
10                                            133,000,000          133,000,000     0.05%         –                          A




1        H                                H


2                                                                                                                   2021     12        31
                                                                                           H



3


4                                                                                                                                           A



5                                                                                                                     2021        12        31
                                                                          152,000,037
                   147,000,000                                                                        133,000,000



6


                                                                       110
    2021     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%
                                               5,798,893,213          H                    –       6.93%         1.97%
BlackRock, Inc.                                4,928,555,441          H                    –       5.89%         1.67%
                                                  5,735,000 (S)       H                    –       0.01%         0.002%




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.
                  4,928,555,441    H           5,735,000          H                    4,928,555,441          H
     8,736,000    H                        5,735,000       H                 2,466,000          H


2    (S)


3                                                                         2021    12       31
                       336




                                                     111
      2003   12   16




112
     2021       12   31




1                                                34.68%
2                                                34.71%
3                                                40.03%
4                                                64.02%
5                                                57.11%
6                                                63.16%
7                                                53.95%
8                                                73.63%
9                                                71.56%
10                                               31.34%
11                                               100.00%
12                                               69.07%
13                                               20.05%
14                                               40.11%
15                                               30.76%
16                                               13.30%
17                                               14.54%




1           A              H


2
                          2015   11         50




                                      113
                                                  (www.china-inv.cn)
                              2007   10       9



     2021    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




                                                    114
2021      12       31                          68                           67                            1



                                                                  70                         69
    1


2021      12       31




1                                           (10,000,000)    200,000,000   16.70%
               5
2                                                     –    197,865,300   16.52%
3                                                     –    133,000,000   11.10%


4                                           119,460,000     119,460,000    9.97%
               1
5                                            (3,000,000)     70,000,000    5.84%
                        005L      CT001
6                                            54,540,000      54,540,000    4.55%
               1
7                                            (4,980,000)     54,400,000    4.54%
                             2
8                                                     –     40,000,000    3.34%
9                                                     –     30,000,000    2.50%
9                                            (7,000,000)     30,000,000    2.50%




1                                                                         2021     12   31               Euroclear
        Clearstream                       197,865,300                                              100%


2           2021        12       31                                                               005L        CT001



3




                                                           115
2021   3   15   2015   3   13         280,000,000




                                 30




                           116
1961         2018   10   2024


1967         2021   6    2024


1963         2020   6    2023


1965         2019   2    2024


1965         2017   8    2023


1964         2017   8    2023


1973         2019   7    2022


1963         2020   6    2023


1964         2016   8    2022


1973         2017   1    2022


1971         2018   12   2024


1957         2019   9    2022


1964         2020   7    2022


1960         2020   9    2022




       117
1964         2021   1    2024


1971         2021   11   2024


1975         2021   11   2024


1963         2018   12   2024


1955         2019   5    2022


1953         2019   5    2022


1960         2022   2    2025




1967         2021   4
1963         2019   12
1965         2018   3
1970         2021   4
1973         2021   8
1969         2019   2
1970         2021   5
1962         2018    3
             2018   4




       118
     1963         2020   1    2021     2
     1962         2017   8    2022     3
     1960         2016   11    2021        1
     1973         2018   12    2021        6
     1962         2018   12     2021           11


     1967         2019   5    2021     9
     1961         2018   6    2021     10




1.


2.                              2019       12




            119
2021

       2021




         61.94           20.15      –    82.09
         46.45           15.13      –    61.58

         55.74           19.50      –    75.24

         55.74       19.49          –    75.23

              –            –      –        –
              –            –      –        –
              –            –      –        –
              –            –      –        –
        60.00               –      –    60.00
        45.00               –      –    45.00
        60.00               –     –     60.00
        45.00               –     –     45.00
        50.00               –     –     50.00
        45.00               –     –     45.00
        61.94        20.15         –     82.09
          0.83              –     –      0.83
          0.83              –     –      0.83
          5.00              –     –      5.00
        26.00               –     –     26.00
        26.00               –     –     26.00
              –            –     –        –    –
        41.81        14.64         –     56.45
        23.23            8.16      –     31.39
        97.84        21.67       2.00    121.51
        65.22        14.49       1.40     81.11
        93.17        21.67       5.42    120.26




                   120
                                  2021




                                        5.16             1.67     –                6.83

                                            –             –     –                  –
                                        5.16             1.67     –                6.83
                                        2.50               –     –                2.50
                                        4.58               –     –                4.58
                                       37.16            12.97     –               50.13
                                       81.53            18.03   2.00              101.56




1                        2015    1      1



2                                                               2021



3




4                 2007                           2019
           2009


5   2021



6



7                               2021



8


9   2021                                                               1,323.04



                                                  121
                    2021




  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




  2021       6                              2021     4                             2021                    2019
  12         2021   3                                                                 2020    1          2021
3                                   2020      3          2021        3
2018     9      2019    11



                                       2021    8
                                                               1993




                                                     122
  2020 6                                      2019   12                                   2019
2018 2         2019       11                                                                            2013
  12                                                                  2011      12




               1983                                       2015




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


                                                          2018   4          2020     12
                              2018    5                                                               2018
8                                                                    1987                             2000




    2017   8                              2020 12                     2021      9
                                2018 10    2021 9
                          2019 2     2021 6
        2014 4             2017 8                                                                     2004 9
      2014 4                                                                                        2011 7
    2012 7                                                                           1996        10    2004
9
                                                     1988    8
           2003       9        2012       7




                                                     123
  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


                                                                            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




  2020       6                            2015     1       2020     6




                                                             2005       5




                                             124
  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
             2007 11                                                      2011    4




                                                                   1994
                                                   (Magna Cum Laude)       2001




                                           125
  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




  2020        7
                       BiMBA                                                                 2000          2003
                                                                    2003     2004
              2006            2008                                                                    2006
  2016                                                                               (HK01251)
   2013


                                                                                            1986
                                                                      2005




                                                           126
  2020    9




                         1994                      1999
                 2002     2015                                        2010
2016


                                                                             1981
                                            1983
         2002




  2021 1
2019 4          2020    11                                2017   7
                         2015    6   2018    4


1988




  2021    11
                                                                             1994
  7




  2021    11                                                         1997    8




                                             127
    2018     12                                                                       1981        11
           1988       9
                                                                   1999
                       2009




  2019 5
1983 12               2008    4


                                                                                  2008        4         2010
3                                                  2010       3     2014   3




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




  2022 2
1980 12                                                                    1986       8
                                     1994   5      2010       12


                              2010    12        2015    6
     2015 6               2019 4                                                                        2019
4     2020 7                                                                                           2015 9
     2020 9




                                                       128
2021   4                      1997                    2017   11        2021     2



                                                                                        2021    4
                                           2021 5
       1992                                1999




2021   8                        1999                  2021     5       2022     1
              2018    12      2021 6                               2018 7           2020   12
                             2015 7        2018   9
                                                                              1999




2019   2                          1991                  2014       3     2019       2
                      2011    2     2014    3


                     1991                               2000




                                       129
2021   5                            1995               2019   11   2021   2
                                     2016     6   2019 11
                2014   12       2016 6

                  2022     1                              1995
                         2005




2018   4                             1998




2021   2   5



2021   6   16



2022   3   15




2021   1   18



2021   1   18



2021   6   24




                                            130
2021   11       18



2021   11       18            2021    12   3



2021   11       18            2021    12   3




2022   2    17             2022   3   7




2021   2    5


2021   4    19


2021   4    26


2021   5    18


2021   8    17


2021   9    24


2021   10       25




                     131
             A




2021                         [2020]69
                 [2020]628




2021                          12




       132
                                                 股東大會



                       董事會                                                 監事會



董事會秘書部                                                                                    監事會辦公室
                                                高級管理層
                                              (執行委員會)
                   戰略發展委員會
               企業文化與消費者權益保護
                       委員會                                               履職盡職監督委員會
                                            資產負債管理委員會
                     審計委員會                                          財務與內部控制監督委員會
                                          風險管理與內部控制委員會
                   風險政策委員會
                                             集中採購管理委員會
                  人事和薪酬委員會
                                            證券投資管理委員會           反洗錢工作委員會
                 關聯交易控制委員會
                                            創新與產品管理委員會         資產處置委員會
                 美國風險與管理委員會
                                            綜合化經營協調委員會     信用風險管理與決策委員會

                     審計部                 資產管理業務委員會

                                          消費者權益保護工作委員會

                                           境內分行發展協調委員會

                                              綠色金融委員會

                                            境外工作協調委員會

                                              金融數字化委員會




2021




                                                   133
134
    2021     1    18                                       2021
A
      2019                                                    2019
                        3


    2021     5    20                                       2020                          A
                                                2020                            2020
                 2020                          2020                      2021
                            2021                                  2020




                            15                      2020                               2020
                                                                                         2020




             2021       1   18     2021   5    20




                                              135
                  2020          2021
                         2021




                  14
3   4   6




            136
                                                       董事會構成
           董事人數
               14                         其他國家
                                          和地區
                   13
                             執行                            60歲以上
                   12                     中國港澳台                     女
                             董事             地區
                                                                                      3年
                   11                                                                 以上
                   10
                   9     非執行
                         董事
                   8
                                                              55至
                   7                                          60歲
                   6
                                            中國
                   5                        內地                         男
                                                                                      3年
                   4                                                                  以下
                             獨立
                   3         董事
                   2
                                                             55歲以下
                   1
                   0
                         職務              國籍         年齡(歲)      性別        擔任本行
                                                                                    董事時間




2021           1        28            3    16            3        30    4      29            7     2   8    30
9 28   10 29            12          13      12         27                                        10
        84


                                                                                                       20


2021                                               4




                                                         137
      2021
             2021




138
     2/2   13/14   8/8     3/4    –    –    –    –
     0/0    5/7    4/4      –    –    –    –    –
     2/2   13/14    –      –    –    –    –   3/3
     2/2   14/14    –      –    –   8/8    –    –
     2/2   14/14   8/8      –    –   8/8    –    –
     2/2   14/14   8/8     4/4    –    –   8/8    –
     2/2   14/14   8/8     –    6/7    –    –    –
     2/2   14/14   8/8    4/4     –   8/8    –    –
     2/2   13/14   7/8     –    6/7   8/8   8/8    –
     1/2   12/14    –     –    2/7   1/8    –   0/3
     2/2   13/14   7/8    4/4    6/7   –    6/8   2/3
     2/2   13/14   7/8     –    7/7   –    8/8   3/3
     2/2   12/14   7/8    3/4     –   –    8/8    –
     2/2   12/14   –     3/4    7/7   –    8/8   3/3


     1/1    0/1    0/1     –     –    –    –   –
     2/2   14/14   –      –    7/7   8/8   8/8   –




1.




2.




                         139
2021
       A.6.5




         6




                     3.13




2021




2021




2021




               140
                  2021   12   31
10,861.52




10




            141
2021              1 28       3     30       4        29     8       30         10        29        12
  13               6                                            2
                     2035
                                                     2021
2020




                                   6




                  (ESG)
                    ESG                                                  ESG
                                        ESG



2021                                    3       30       8 30             10        29        12
30            4                                       2020
       2020                 2021
                    2021




                                 142
                       6




2021                   1   27       3    16         3   26     4 28      8    27    10    28
                       6                                        1
       2021                                                           2020
2021                                                                   2020        2021
                                  2020
                                                        2020                           2020
         2021                                                                        2020
                           2020                                                        2021
                2021                                    2020




                                         2021                         2021




                                              143
                                        2022
2021

                                                                      2021




                 5




2021             1   27       3    29   4      28   6   29       8   26      9
28     10   27            7                                  1




                                  144
            3




       2021                            8




            6




2021        3   16     3     26   4   28    7   2   8   27   10
  28    6                                  2
2020
                2021




                       145
              5




2021          3   26     8   27   10   28
3      2020




                       146
           7       1                  3   3




2021
       4       3
           4                3
       4       1




                       24




                                147
  2020
               2021
                      2021


2021     12   31
                                   1.73


1,200
1,257.81



                      2021




                             148
2021



                                                170



           e
                                                      5.15



2021




2021
               12


          (League of American Communications Professionals)
 ARC(Annual Report Competition)




                                     149
                                                                                        2021    12    31




30%




   2021                                                                   2021
 10 2.21                                                    2021
                 2021



                              A                                    2022   7   15         H
               2022     8    10


        2021 5        20               2020                                      10     1.97
         2020                                      A         H                         2021 6
                                                                                      579.94
                                       2021    6       30                             2021



                 2020 8           30
      2021     3 15                                                              15.40
                  5.50%


        2020    10      30
                             2021      3   4
                                                                                                     1.02
                               3.60%




                                                        150
        2021   4    29
                                2021   6   28
32.85                                      4.50%               2021   8   30
                                            11.745                        4.35%



        2021   10   29
                         2022     3    4
                                                                           1.015
                           3.60%




   2021                  0.221              65,060   216,559    30%
   2020                  0.197              57,994   192,870    30%
   2019                  0.191              56,228   187,405    30%




                           10%




                                              151
                                            2021
                                                   2020




                                            2021



               H

            2022   7   9      7    14
  H                                                                         H
                                                          2022      7   8
        4     30                                                H
                                                          183               17
1712–1716             H   2022    7    7




                           9,854




                                   152
                  38




             20




2021




       153
             18




      2021   12   31
                             XV

352




                                  34




                       154
28




     155
                              2021     12    31

A


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




          12



    10%

H




               H                              10%



                                        H
                                  [2008]897
H                  2008                                       10%




                                     156
                                   H




      10%




10%




            2021                       2021
                            2021
                   2021                2021




                          157
                                                      3        6
9          3.15



    2021              3.15                      9




                                                                   2021
             14.8                21.1%
                                                           50.3%
                    18.1%                8.1%
    76.5%                                                  57.4%
                              12.6%                        11.8%
                             81.8%



                                                    2021




                                                    2022   3       29




                                 158
2021          3   30       4   29        8   30    10   29                4
                                    3                         44
                    2020                           2020                       2020
                    2020
       2020


                                                                   2020
                  2021



                                                   2020




                                        20


2021




                                                             7/7
                                                             2/2
                                                             2/2
                                                             7/7
                                                             7/7
                                                             7/7
                                                             0/0


                                                             0/0
                                                             3/3
                                                             5/5




                                             159
2021                                 4
       3                                       2020
               2020                 2021



                             2021



2021                                       4
           1                        2020
2020                  2020                      2020




2021




                                                       4




                             160
                   2035



               2              2020




           4




                          4




20




     161
2   2         1




                                  2



                  15




                  2022   3   29

        162
2005   11




            42




                 163
      2021   12   31




164
      2021




165
181   398




            166
167
                                      4.6
       1                9   17   23
    2.3


  2021     12   31


           153,224.84
         153,193.94


3,517.95




                3,905.41
                        2021
                                       982.98     (1)




                                                  (2)




                                                  (3)




                                                  (4)




                                                168
        (5)




(1)




(2)


        (1)
(3)



(4)




        (2)




              (i)




              (ii)




      169
        (iii)




  (3)




  (4)




  (5)




170
  (6)




171
                                   4.4
    2                 18              5.1


  2021    12     31


                                     5,616.42



  23,898.30
11.04%
    (1)

15.47%    (2)

                79.24%     (3)

                                 5.29%




                                                172
  (1)



  (2)


        (i)




        (ii)




        (iii)




        (iv)




173
174
                                   2.1
       7              45




                                    2021   12
  31


            (1)
                                                  (1)
                             17,107.50
           4,874.38          (2)



                               689.14
122.68            1,250.81
                                                  (2)




                                                  (3)




                                                175
176
177
178
     ..........................................................    181
          .....................................................    182
          .....................................................    183
              .................................................    185
          .....................................................    187

             ...................................................   189
             ...................................................   190
                                             ...................   230
     ...........................................................   234

1               ................................................   235
2                          .....................................   236
3               ................................................   236
4                        .......................................   237
5                 ..............................................   237
6             ..................................................   238
7             ..................................................   239
8                                ...............................   240
9                 ..............................................   244
10          ....................................................   245
11                               ...............................   247
12                ..............................................   248
13                  ............................................   250
14                ..............................................   251
15            ..................................................   252
16                           ...................................   253
17                  ............................................   261
18            ..................................................   267
19                           ...................................   276
20            ..................................................   277
21            ..................................................   280
22            ..................................................   282
23                ..............................................   286
24            ..................................................   287
25                  ............................................   287
26                               ...............................   287
27            ..................................................   288
28                  ............................................   288

                               179
29              ..................................................   289
30              ..................................................   291
31                  ..............................................   294
32              ..................................................   294
33                  ..............................................   294
34                    ............................................   296
35                ................................................   297
36              ..................................................   300
37                                   .............................   303
38                                                  ..............   306
39                  ..............................................   309
40                    ............................................   309
41                         .......................................   313
42              ..................................................   314
43              ..................................................   322
44                    ............................................   328
45                           .....................................   330
46                               .................................   332
47                                     ...........................   334
48                  ..............................................   338
49              ..................................................   339

1           ......................................................   340
2               ..................................................   340
3               ..................................................   372
4                 ................................................   381
5               ..................................................   387
6               ..................................................   394
7               ..................................................   398

                                                        ..........   399

1                                                 ................   399
2                   ..............................................   407
3               ..................................................   408
4               ..................................................   410
5             ....................................................   411
6                                      ...........................   413
7    2020                                     ....................   414



                                 180
             2021        2020

       1     789,488     760,070
       1    (364,346)   (344,152)

            425,142     415,918

       2      94,453      88,640
       2     (13,027)    (13,118)

             81,426      75,522

       3     28,291       8,055
       4      3,197       9,547
       5     67,661      58,605

            605,717     567,647

       6    (226,355)   (202,411)
       9    (104,220)   (119,016)

            275,142     246,220
       19     1,478         158

            276,620     246,378
       10   (49,281)    (41,282)

            227,339     205,096



            216,559     192,870
             10,780      12,226

            227,339     205,096


       11
                0.70        0.61
                0.70        0.61

38.3




181
           2021       2020

           227,339    205,096

      12

               (83)      101



              150        (651)
               83          10

              150        (540)




             5,444     (2,976)



              571       3,084

                 8       (130)
           (12,760)   (21,549)
               351       (751)

            (6,386)   (22,322)


            (6,236)   (22,862)

           221,103    182,234



           213,615    177,424
             7,488      4,810

           221,103    182,234




182
             2021         2020
           12 31        12 31



      13      644,816      803,145
      14    2,228,726    2,076,840
      15    1,257,413      939,320
      26      175,715      168,608
              276,258      223,313
      16       95,799      171,738
      17   15,322,484   13,848,304
      18    6,164,671    5,591,117

             561,642      504,549

            2,389,830    2,107,790
            3,213,199    2,978,778
      19       35,769       33,508
      20      246,091      248,589
      21       19,554       22,065
      35       51,172       58,916
      22      203,940      217,196

           26,722,408   24,402,659




183
                                  2021         2020
                             12     31    12     31


                      24      2,682,739    1,917,003
                      25        955,557      887,811
                      26        175,605      168,751
                      27        407,767      411,949
                      28         12,458       17,912
                      16         89,151      212,052
                      29     18,142,887   16,879,171
                      30      1,388,678    1,244,403
                      31         26,354       26,034
                      32         45,006       55,665
                      33          2,095        2,199
                      35          7,003        6,499
                      36        436,555      410,373

                             24,371,855   22,239,822



                      37.1     294,388      294,388
                      37.3     319,505      277,490
                      37.2     135,717      135,973
                                     –          (8)
                      12         1,417        4,309
                      38.1     213,930      193,438
                      38.2     303,209      267,981
                      38       956,987      864,848

                              2,225,153    2,038,419

                      39       125,400      124,418

                              2,350,553    2,162,837

                             26,722,408   24,402,659


2022   3   29




                184
      2021 1 1            294,388   277,490    135,973    4,309     193,438   267,981    864,848    (8)   124,418    2,162,837


                   12          –         –         –   (2,944)        –         –   216,559    –      7,488     221,103


                   38.1        –         –         –       –     20,492         –   (20,492)   –          –           –




185
                   38.2        –         –         –       –         –    35,228    (35,228)   –          –           –
                   38.3        –         –         –       –         –         –   (68,645)   –     (6,558)     (75,203)
                               –         –         –       –         –         –         –   8           –           8
                               –         –         –       –         –         –         –   –         41           41
                   37.3        –    42,015        (31)       –         –         –         –   –          –      41,984
                               –         –        –       52          –         –       (52)   –         –           –
                               –         –     (225)        –         –         –        (3)   –        11         (217)


      2021 12 31          294,388   319,505    135,717    1,417     213,930   303,209    956,987    –    125,400    2,350,553
      2020 1 1            294,388   199,893    136,012    19,613     174,762   250,100    776,940    (7)   124,995    1,976,696


                   12          –         –         –   (15,446)        –         –   192,870    –      4,810     182,234


                   38.1        –         –         –         –    18,676         –   (18,676)    –         –           –




186
                   38.2        –         –         –         –        –    17,881    (17,881)    –         –           –
                               –         –         –         –        –         –   (68,257)    –    (6,982)     (75,239)
                               –         –         –         –        –         –         –   (1)         –          (1)
                               –         –         –         –        –         –         –    –     1,358        1,358
                               –    77,597        (37)        –         –         –        –    –         –       77,560
                               –         –         –      142          –         –     (142)    –         –           –
                               –         –        (2)         –        –         –       (6)    –       237          229


      2020 12 31          294,388   277,490    135,973     4,309     193,438   267,981    864,848    (8)   124,418    2,162,837
         2021          2020


        276,620       246,378

        104,220       119,016
         22,428        22,441
          6,364         5,065

           (781)        (1,246)

           (992)         (202)
         (1,478)         (158)
       (153,859)     (150,553)
           (616)         (507)
         (1,755)       (8,486)
         41,836        35,719
           (728)       (1,236)
            742           829

          (2,710)       47,092
         111,715      (206,736)
         (52,983)      (17,061)
      (1,564,704)   (1,204,492)
         126,476        (4,050)
         762,120       250,181
          67,240        43,963
          (4,006)     (226,873)
       1,226,797     1,043,998
             320        (1,977)
         (62,752)      140,613

        899,514       131,718
        (56,256)      (58,690)

        843,258        73,028




187
              2021          2020



               7,781         4,087

               1,620         1,085
               1,288           909
             151,183       152,114
           3,105,057     3,302,506

               (2,240)     (12,655)

              (30,173)      (39,622)
           (3,630,077)   (3,425,490)

            (395,561)      (17,066)



           1,005,299     1,135,331
              69,984       109,560
                  41         1,358
            (869,059)     (984,337)
             (22,879)      (23,756)
             (28,000)      (32,000)
             (57,994)      (56,228)

             (12,230)        (9,720)
              (6,558)        (6,982)
              (4,260)        (6,609)

              74,344       126,617

             (41,278)      (33,603)

             480,763       148,976

           1,494,868     1,345,892

      41   1,975,631     1,494,868




188
2021




                                      1912       2   5     1949
                                                           1949
                                       1994
                                                          2004    8   26
                                                         2006




       B0003H111000001
                 911000001000013428
                   1




                         2022   3     29




                                           189
2021




1




1.1 2021

       2021   1   1                             IASB
                                IFRS

                      9         39                         7
                      4                16



                      9          39                        7
                      4                16




       (1)

                                            9     B5.4.5




                          190
2021




1


1.1 2021

       (2)                                                                          39
                                  9


                                       2021



1.2 2021

                             16

       2020     5                                                             16
                                                        2021   6 30
                                                               2021 3
                                                                   2021   6    30
         2022       6   30            2021    4     1



                                       2021




                                              191
2021




1

1.3 2021




                          3                                                  2022 1 1
                16                                                           2022 1 1


                37                                                           2022 1 1
                               (2018–2020)   IFRS 1 IFRS 9 IAS 41 IFRS 16   2022 1 1
       2020 5
                          17                                                 2023 1 1
                1                                                            2023 1 1


       2
                8                                                            2023 1 1
                12                                                           2023 1 1


                          10
                     28




                                                192
2021




1


1.3 2021

                     3


                               3
           37                      21



                16




                37




                         193
2021




1


1.3 2021

                        (2018–2020)    2020   5
           9


       10%

                                         16            13
                                                            16



                   17                                            4




               1                                   2




                                       194
2021




1


1.3 2021

           8




           12




                10               28




                            17
                     17




                          195
2021




2


2.1




       196
2021




2


2.1




2.2



       20%   50%




                   197
2021




2


2.2




2.3




3


3.1




       198
2021




3

3.2




       



       



       




          199
2021




4


4.1




       200
2021




4

4.2

4.2.1




        201
2021




4


4.2

4.2.1

        (1)




        (2)




              202
2021




4


4.2

4.2.1

        (2)




              32




        (3)




                   203
2021




4


4.2

4.2.2




        204
2021




4


4.2

4.2.3




4.2.4




        205
2021




4

4.3




       206
2021




4

4.4




4.5




       207
2021




4

4.6




            12




       12




                 208
2021




4


4.6




             2.3

4.7




       209
2021




4

4.8




4.9




       210
2021




4


4.9




       211
2021




4


4.9

(1)




(2)




       212
2021




4


4.9

(3)




4.10




       213
2021




4


4.10




4.11




       214
2021




5




6




       215
2021




7




       216
2021




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




          217
2021




8

8.1



             12




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




                  218
2021




8


8.1




          (1)
       (2)




                219
2021




8

8.2




9




       220
2021




10




11




12


12.1




             2004   1   1




       221
2021




12


12.1




12.2

       2003   12   31




                        222
2021




12

12.3




12.4

(1)




       223
2021




12


12.4

(2)




12.5




13




       224
2021




14


14.1




14.2

(1)




(2)




       225
2021




14

14.3




15




16




       226
2021




17




18




       227
2021




19




20




20.1




20.2




       228
2021




20


20.2




21




22




       229
2021




1




       230
2021




1




       2.3



2




             231
2021




2




3




4


                  12.2
       33




            232
2021




5




6




       233
2021




7




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



              16.5%




       234
2021




1


              2021        2020



             581,000     550,354
             309,436     299,190
             263,651     241,907
               7,913       9,257
             153,859     150,553


              53,550      55,723
             100,309      94,830
              54,629      59,163


             789,488     760,070



             (263,599)   (258,439)
              (58,447)    (49,419)
              (42,300)    (36,294)


             (364,346)   (344,152)


             425,142     415,918




       235
2021




2


                                   2021       2020


                                    29,875    25,367
                                    15,371    14,383
                                    12,717    13,825
                                    11,868    11,912
                                     6,400     4,831
                                     5,520     5,871
                                     4,576     3,535
                                     8,126     8,916


                                    94,453    88,640


                                   (13,027)   (13,118)


                                    81,426    75,522


3


                                   2021       2020


                                     3,968     4,007
                                    13,065     5,551
                                    10,322     5,057
                                       936     (6,560)

             (1)
                                    28,291     8,055


       (1)   2021
                    3.48   2020   10.82




                           236
2021




4


                                         2021      2020



                                          2,109     7,987

                    (1)
                                          1,088     1,560


                                          3,197     9,547


       (1)   2021    2020


5


                                         2021      2020

                            (1)
                                         33,027    29,676
                                         12,021    12,300
                                         10,004     6,749
                    (2)
                                          6,881     5,601
                                            976     1,394
                                  21       (427)   (1,505)

                                            992       202
                                          4,187     4,188


                                         67,661    58,605




                                   237
2021




5

       (1)


                                                             2021        2020



                                                              36,806      33,290
                                                              (9,004)     (9,348)


                                                              27,802      23,942



                                                               6,563       6,953
                                                              (1,338)     (1,219)


                                                               5,225       5,734


                                                              33,027      29,676


       (2)   2021
                                 6.16   2020         5.07


6


                                                            2021        2020

                             7                               99,317      89,334
                    (1)(2)
                                                             47,403      38,944

                                                             27,749      26,340
                                                              3,830       4,241
                                                             23,882      22,871
                                                              9,650       6,424
                                                              5,715       5,465
                                                              8,809       8,792

             (3)
                                                            226,355     202,411




                                               238
2021




6

       (1)   2021                                            1.73   2020
             2.37             0.62
              2020   0.75


       (2)   2021                                                          14.04
              2020   13.02


       (3)   2021
                     129.86          2020         128.10


7


                                                           2021            2020


                                                           68,798          62,377
                                                            4,664           4,218
                                                               67              50


                                                            3,932            3,109
                                                            6,205            4,607
                                                            3,527            3,440
                                                              213              150
                                                               81               59
                                                              135              136
                                                            4,940            4,774
                                                            2,052            2,082
                                                               29               28
                                                            4,674            4,304


                                                           99,317          89,334




                                            239
2021




8



       2021




              (4)
                          –(2)     619      117     85     821
              (4)(5)
                          –(2)     465       88     63     616
              (4)
                          –(2)     557      111     84     752
              (4)
                          –(2)     557      111     84     752
              (4)(6)
                          –(2)      51       10      7      68


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


                        600             –     –     –    600
                        450             –     –     –    450
                        600             –     –     –    600
                        450             –     –     –    450
                        500             –     –     –    500
                        450             –     –     –    450


              (4)(5)
                          –        619      117     85     821
              (5)
                          8(3)        –       –     –      8
              (5)
                          8(3)        –       –     –      8
                         50(3)        –       –     –     50
                        260           –       –     –    260
                        260           –       –     –    260
              (4)(6)
                          –         51       10      7      68
              (6)
                         25(3)        –       –     –     25
              (6)
                         46(3)        –       –     –     46

                       3,707       2,919     564    415    7,605

                                  240
2021




8

       2020




              (4)
                          –(2)     811       78     79     968
              (4)(5)
                          –(2)       –       –     –      –
              (4)
                          –(2)     729       74     79     882
              (4)
                          –(2)     729       74     79     882
              (4)(6)
                          –(2)     811       78     79     968
              (4)
                          –(2)      61        5      7      73


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


                        635             –     –     –    635
                        450             –     –     –    450
                        609             –     –     –    609
                        450             –     –     –    450
                        224             –     –     –    224
                        138             –     –     –    138


              (4)(5)
                          –          –       –     –      –
                         50(3)        –       –     –     50
                        260           –       –     –    260
                        260           –       –     –    260
              (4)(6)
                          –        811       78     79     968
              (6)
                         50(3)        –       –     –     50
              (6)
                         50(3)        –       –     –     50

                       3,176       3,952     387    402    7,917


                                  241
2021




8

       (1)   2021     2020


       (2)   2021     2020


       (3)


       (4)
                                                                       3


                                                                       2021
                                                                   2021



                                     2020                   2021   8    30



       (5)          2021     6   16                                                   2021       1    18
                                                            2021   11      18
             2022     2    17                                           2021
                    2021


       (6)          2021     2   5                                                   2022    3       15
                                            2021   1   18
             2021     6    24                                           2021    11   18




                                                   242
2021




8




         2021   2020


                                      2021         2020


                                             18           23
                                             63           98
                                              2            3


                                             83       124




                                      2021         2020


       10,000,001–20,000,000                 4            4
       20,000,001–30,000,000                 1            –
       30,000,001–50,000,000                 –           1




         2021   2020




                                243
2021




9


             2021       2020



              98,289    103,743


                    9      (113)


              98,298    103,630



                721       1,872


                763       4,244


               1,484      6,116


              (3,038)     5,454
               6,335      3,181


             103,079    118,381


               1,141       635


             104,220    119,016




       244
2021




10


                    2021      2020



                    35,039    45,296
                     4,348     5,242
                     3,537     3,455
                      (345)    1,557


                    42,579    55,550


       35.3          6,702    (14,268)


                    49,281    41,282




                       25%




              245
2021




10




                               2021       2020


                               276,620    246,378



                                69,155     61,595


                                (4,337)    (4,278)
                                 2,927      2,924
             (1)
                               (29,556)   (29,791)
                   (2)
                                12,257     11,226
                                (1,165)      (394)


                                49,281     41,282


       (1)



       (2)




                         246
2021




11




       2021   2020



                           2021         2020

                           216,559      192,870


                           (10,651)     (12,029)


                           205,908      180,841


                           294,379      294,381


                              0.70         0.61




                           2021         2020


                           294,388      294,388
                                  (9)          (7)


                           294,379      294,381




                     247
2021




12

             2021         2020


                 (83)        101

                335         (622)
               (185)         (29)
                 83           10

                150         (540)




               8,412       3,950
              (1,557)       (742)

              (1,687)      (7,711)
                 276        1,527

              5,444        (2,976)


                761         4,108
               (190)       (1,024)

                571        3,084


                    10      (174)
                    (2)       44

                     8      (130)

             (12,760)     (21,549)

                351         (751)

              (6,386)     (22,322)

              (6,236)     (22,862)



       248
2021




12




       2020 1 1       22,534       (6,172)   3,251   19,613
                          (344)   (14,285)   (675)   (15,304)


       2021 1 1       22,190      (20,457)   2,576    4,309
                       6,700       (9,782)     190    (2,892)


       2021 12 31     28,890      (30,239)   2,766    1,417




                    249
2021




13


                                                   2021        2020
                                                 12 31       12 31


                                                   59,518      78,825


                                                  464,417     602,340
                                                    8,709       7,515


                                                  110,948     110,662


                                                      926         559

             (1)
                                                  585,000     721,076


                                                    1,835       4,327

                          (1)
                                                   (1,537)     (1,083)


                                                  585,298     724,320


                                                  644,816     803,145


       (1)         2021   2020   12   31                          12




                                           250
2021




14


                                                                                  2021         2020
                                                                                12 31        12 31

                    (1)
                                                                                1,478,465    1,442,384
                                                (2)
                                                                                  753,369      633,761


                                                                                2,231,834    2,076,145


                                                                                       672        695


                                                                                   (3,780)            –


                                                                                2,228,726    2,076,840


       (1)
                     2021        12        31
             10.0% 2020     12        31          11.0%   9.0% 2020   12   31   5.0%




       (2)




                                                             251
2021




15


                                                          2021          2020
                                                        12 31         12 31

                                                         150,556        91,709
                                                         589,919       529,152

                                                         450,817       294,358

                                                          67,055           24,157

             (1)(2)
                                                        1,258,347      939,376

                                                            3,109           2,429

                            (2)
                                                           (4,043)         (2,485)


                                                        1,257,413      939,320


       (1)


                                                           2021          2020
                                                         12 31         12 31



                                                           396,324         182,724
                                                           101,436          40,968
                                                             6,914           6,109
                                                             1,222             256

                      (2)
                                                           505,896         230,057

                                  (2)
                                                              (668)             –


                                                           505,228         230,057


       (2)      2021        2020        12   31                       12



                                                  252
2021




16




16.1

                                2021 12 31                            2020 12 31




                    5,966,594        61,172   (52,535)    6,304,310       118,600    (151,412)
                      593,654         4,996    (4,196)      419,338         6,921      (3,789)
                        1,250             1        (3)        1,746             7         (20)

                    6,561,498        66,169   (56,734)    6,725,394       125,528    (155,221)


                    4,032,069        23,860   (27,179)    3,817,876        32,789     (42,520)
                       22,988           136      (135)       63,772            16         (11)
                        2,058             2        (4)          543             –         (1)

                    4,057,115        23,998   (27,318)    3,882,191        32,805     (42,532)

                        4,776          185      (120)       12,927            376        (413)

                     288,773          5,447    (4,979)     392,823         13,029     (13,886)

             (1)
                   10,912,162        95,799   (89,151)   11,013,335       171,738    (212,052)

       (1)


                                        253
2021




16

16.2

(1)




(i)




       2021 12 31



                    107,597    685    (2,154)



                       625       –      (24)


                    108,222    685    (2,178)


       2020 12 31



                    100,936    240    (5,216)



                      1,852      –    (206)


                    102,788    240    (5,422)



                         254
2021




16

16.2

(1)

(i)




                    1         1         3            1
                              3             1            5     5

       2021 12 31




                     1,237     5,493     9,438       56,999        34,430   107,597
                    3.23%     2.99%     3.33%        3.04%         2.87%




                        –         –      308          317            –      625
                        –         –   4.70%        5.50%             –
                        –         –   6.2110       6.0350            –

       2020 12 31




                     1,578     1,693     7,054       59,013        31,598   100,936
                    2.87%     2.12%     2.37%        2.90%         2.99%




                        –     1,212            –      640            –     1,852
                        –    5.38%             –   5.11%             –
                        –         –           –   6.1217            –
                        –    0.9294            –        –           –


                             255
2021




16

16.2

(1)

(ii)




       2021 12 31



                    103,502          –      2,561      –
                          –    (2,523)          –    14
                          –    (4,458)          –   116



                          –         (600)       –    24


                    103,502     (7,581)      2,561    154


       2020 12 31



                    100,228          –      5,503       –
                          –    (2,735)          –      3
                          –    (4,711)          –   (113)



                          –    (1,647)          –   206


                    100,228     (9,093)      5,503     96



                               256
2021




16


16.2

(1)

(iii)


                                                         2021      2020



                                                          3,136     (2,843)
                                                         (3,250)     3,036


                                                           (114)          193


(2)




                                                         2021
          2020


(i)

           2021      12 31
                   502.73    2020     12 31     530.87             7.62
        2020     12 31              10.60




                                          257
2021




16


16.2

(2)

(ii)




       2021 12 31


                    6,946    292    (26)


                    6,946    292    (26)


       2020 12 31


                    3,966     12   (360)


                    3,966     12   (360)




                       258
2021




16

16.2

(2)

(ii)




                    1        1              3         1
                                 3              1         5        5

       2021 12 31




                        –           –      6,946            –       –   6,946
                        –           –     5.5165            –       –
                        –           –    15.3221            –       –
                        –           –    77.6566            –       –
                        –           –    21.4996            –       –
                        –           –   845.0014            –       –
                        –           –     3.7309            –       –
                        –           –   298.2472            –       –
                        –           –    26.9425            –       –
                        –           –    78.2517            –       –

       2020 12 31




                        –      1,956        2,010            –       –   3,966
                        –     5.2086            –           –       –
                        –    17.5600      16.9743            –       –
                        –          –     79.2094            –       –
                        –          –     21.9108            –       –
                        –     0.5928            –           –       –
                        –          –    778.3973            –       –
                        –     3.5505       3.5110            –       –


                             259
2021




16


16.2

(2)

(iii)


              2021        2020



               6,740       3,841

                     98      154



               6,838       3,995




        260
2021




17

17.1


                                                                      2021           2020
                                                                    12 31          12 31



                                                                    9,224,184       8,234,541
                                                                    6,093,750       5,583,295
                                                                        1,460           1,912

                                                             (1)


                                                                        2,254            979
                                                                      349,541        358,997


                                                                   15,671,189      14,179,724

                                                       (2)


                                                                           3,805        3,661


                                                                   15,674,994      14,183,385

                                                                          37,580      33,092


                                                                   15,712,574      14,216,477

                                                                     (390,090)       (368,173)


                                                                   15,322,484      13,848,304


       (1)     2021     12   31
                                  4.51   2020   12    31           4.46


       (2)   2021     2020




                                                261
2021




17

17.2
                                            2.5


17.3

(1)


                                    2021
              12




                   134,566       70,712      162,895        368,173
                     6,186        (5,205)       (981)             –
                      (989)        1,786        (797)             –
                      (687)      (14,244)     14,931              –
                    (5,245)       10,226      32,586         37,567
       (i)
                    84,479        15,132      58,502        158,113
       (ii)
                   (51,399)      (24,087)     (21,905)      (97,391)
                      (195)            –     (85,401)      (85,596)

                            –        –      11,921         11,921
                         (358)     (488)          (1,851)    (2,697)


                   166,358       53,832      169,900        390,090




                   262
2021




17


17.3

(1)

                                 2020
              12




                   109,765    79,051     136,544    325,360
                     3,769    (3,232)       (537)         –
                    (1,274)   13,913     (12,639)         –
                      (407)   (30,546)    30,953          –
                    (3,507)     9,357     35,203     41,053
       (i)
                    70,933     24,190     42,114    137,237
       (ii)
                   (43,164)   (21,257)   (10,126)   (74,547)
                       (66)         –   (64,255)   (64,321)


                         –        –      8,405      8,405
                    (1,483)     (764)     (2,767)    (5,014)


                   134,566    70,712     162,895    368,173




                   263
2021




17


17.3

(2)


                                 2021
              12




                         441       5    –   446
                           –      –   –     –
                           –      –   –     –
                           –      –   –     –
                           –      –   –     –
       (i)
                         276      77    –   353
       (ii)
                         (339)    (5)   –   (344)
                           (4)     –   –     (4)


                         374      77    –   451




                   264
2021




17


17.3

(2)

                                        2020
                     12




                                547      16    –   563
                                  –      –   –     –
                                  –      –   –     –
                                  –      –   –     –
                                  –      –   –     –
              (i)
                                563       5    –   568
              (ii)
                                (665)   (16)   –   (681)
                                  (4)     –   –     (4)


                                441       5    –   446


       (i)



       (ii)



       2021




                          265
2021




17


17.3

       2021




                                                     713.09        2020               699.46
                                                232.96       2020               220.08
                                                      383.76        2020              673.64
                                                138.14       2020               209.00
                                                        224.35        2020              161.32
                                                  37.29        2020              26.77
                                                                 24.63        2020
              167.20                                     14.38       2020              66.56




                         751.52        2020              642.69
                                  720.16      2020                581.72


                                                                                   532.58
               2020               183.23
                         1.95      2020               0.66                 69.76     2020
                       17.02




                                                266
2021




18


               2021       2020
             12 31      12 31




               18,837     20,176
                   30        302
               26,127     31,755
              204,624    188,092
               52,415     42,122



               13,535     18,919
                  367         45
               12,982     10,106
                9,808      9,603


              338,725    321,120


              102,268     88,025
               90,733     69,183



              531,726    478,328




       267
2021




18


                     2021       2020
                   12 31      12 31




       (1)




                      3,164      3,073
                        516        509
                      4,811      6,640
                        396      1,846



                        594      1,295
                      1,164        721
                      2,322      5,525
                      4,770      6,514


                     17,737     26,123


                     12,179            98



                     29,916     26,221



                    561,642    504,549




             268
2021




18


                     2021        2020
                   12 31       12 31




                    752,899     691,638
                    101,562      88,092
                    358,807     328,713
                    223,510     174,517
                    171,294     135,590



                    532,338     434,344
                     28,529      27,340
                     79,214      98,545
                    114,925     107,583


                   2,363,078   2,086,362


                     26,752      21,428



       (2)
                   2,389,830   2,107,790




             269
2021




18


                                    2021         2020
                                  12 31        12 31




       (3)(4)
                                  2,417,293    2,327,382
                                     64,724       43,679
                                    155,338       93,376
                                     76,280       59,250
                                     48,959       39,529
                      (5)
                                    152,433      152,433



                                   101,974      103,432
                                    70,107       37,950
                                    65,885       59,762
                                    19,058       19,166


                                  3,172,051    2,935,959


                                    12,010       14,447


                                    38,865       37,295


                                     (9,727)      (8,923)


                                  3,213,199    2,978,778

          (6)(7)(8)
                                  6,164,671    5,591,117




                            270
2021




18

                           2021        2020
                         12 31       12 31




                           33,127      48,718
             (9)
                          332,549     283,523
                          195,966     172,308




                           154,931     233,244
             (9)
                         1,633,446   1,210,734
                           574,701     642,384



                            5,980       6,031
             (9)
                           11,762       3,141
                            9,010      12,256



                            38,898      34,217
             (9)
                         2,886,030   2,618,215
                           288,271     326,346


                         6,164,671   5,591,117


                           232,936     322,210
       (9)
                         4,863,787   4,115,613
                         1,067,948   1,153,294


                         6,164,671   5,591,117



                   271
2021




18


                                                       2021       12      31                    2020      12    31




                                                        38,898              39,594               34,217           35,960
                                               (9)
                                                     2,886,030           2,937,103            2,618,215        2,637,926


       (1)



       (2)     2021        12        31
                                62.30                2020    12    31                  54.79


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


       (4)


             2021     12        31                                                      20.83          2020    12    31
                      23.37


       (5)   1999          2000
                                                                  1,600
                                                                                 2025      6    30
                                                                               2020    1
             2020     1     1
                    2021        12        31                                          75.67




                                                        272
2021




18

       (6)        2021    12    31



                                                                                       2021                        2020
                                                                                  12     31                   12     31


                                                                                    942,440                     979,089
                                                                               0.00%–5.31%                0.00%–5.31%


       (7)        2021    12        31                                                        1,495.30             2020
             12     31                   1,306.98


       (8)        2021    12    31                            23.38
                                                                                2020     12   31                   14.67
                                                      2020   12    31                                        8.16
                                         2020   12    31                4.04                   0.05
             2020        12    31                   0.01                                              12



       (9)




                                                                  273
2021




18




                      2021
       12




            1,907      1     7,015    8,923
              159      3       559      721
               –      –        –      –
             107       –      (24)     83


            2,173      4     7,550    9,727


                      2020
       12




              383      1     6,402    6,786
            1,165      –      707    1,872
               –      –      (24)    (24)
             359       –      (70)    289


            1,907      1     7,015    8,923




                274
2021




18




                      2021
       12




            4,979      –    500    5,479
               –      –      –       –
               –      –      –       –
             762       1       –     763
              (12)     –      –     (12)


            5,729      1     500    6,230


                      2020
       12




            1,250      4       –   1,254
               (1)     1       –       –
               (2)    (4)      6        –
            3,751      –      –   3,751


                –    (1)    494      493
              (19)     –      –     (19)


            4,979      –    500    5,479




                275
2021




19


                                                2021        2020


                                                33,508      23,210
                                                 2,240      12,655
                                                  (628)     (1,157)
                                                 1,478         158
                                                  (625)       (402)
                                                  (204)       (956)


                                                35,769      33,508




                                       42.4


                                                2021        2020
                                              12 31       12 31


                                                11,849      11,563
                                                 5,254       5,022
                                                 4,311       4,261
                                                 1,679       1,622
                                                 1,415       1,306
                                                 1,414       1,386
                                                 1,308
       Wkland Investments II Limited               835         855
                                                   800
                                                   780         755
                                                 6,124       6,738


                                                35,769      33,508


         2021   12   31


                                       276
2021




20

       2021




                        122,464          73,337     31,281    141,025    368,107
                          1,413           5,550      6,247     11,187     24,397

              21            960                –        –         –        960
                          2,806              607    (8,046)     4,633           –
                         (1,736)          (5,748)   (1,788)    (6,737)    (16,009)
                           (918)            (249)     (502)    (3,207)     (4,876)

                        124,989          73,497     27,192    146,901    372,579



                        (42,814)         (57,839)        –   (17,302)   (117,955)
                         (4,098)          (6,274)        –    (4,911)    (15,283)
                          1,145            5,563         –     1,747       8,455
                   21        10                –        –         –         10
                            239              186         –       444         869

                        (45,518)         (58,364)        –   (20,022)   (123,904)



                           (746)               –    (227)       (590)     (1,563)
                             (3)               –       –     (1,060)     (1,063)
                              8                –       –         10          18
                              1                –       –         23          24

                           (740)               –    (227)     (1,617)     (2,584)



                         78,904          15,498     31,054    123,133    248,589

                         78,731          15,133     26,965    125,262    246,091


                                   277
2021




20

       2020




                        119,077          77,656     32,905    131,821    361,459
                            708           5,998     11,658     17,778     36,142

              21            485                –     (242)         –        243
                          5,375              862    (9,230)     2,993           –
                         (1,728)         (10,726)   (2,373)    (2,948)    (17,775)
                         (1,453)            (453)   (1,437)    (8,619)    (11,962)

                        122,464          73,337     31,281    141,025    368,107



                        (40,401)         (60,758)        –   (14,762)   (115,921)
                         (3,967)          (6,623)        –    (4,635)    (15,225)
                          1,143            9,178         –       883      11,204
                   21        18                –        –         –         18
                            393              364         –     1,212       1,969

                        (42,814)         (57,839)        –   (17,302)   (117,955)



                           (767)               –    (227)         (4)       (998)
                             (1)               –       –       (623)       (624)
                             16                –       –          4          20
                              6                –       –         33          39

                           (746)               –    (227)       (590)     (1,563)



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

                         78,904          15,498     31,054    123,133    248,589


                                   278
2021




20

       2021   12   31
                   1,252.62   2020   12    31          1,231.33


       2021 12 31                                                     99.89
          2020 12 31             148.93
           31



                                                2021    12   31




                                                     2021           2020
                                                   12 31          12 31



                   50                                    3,919       3,749
                   10–50                                8,074       7,884
                   10                                        1           8


                                                        11,994      11,641



                   50                                    3,834       4,507
                   10–50                               56,051      55,846
                   10                                    6,852       6,910


                                                        66,737      67,263


                                                        78,731      78,904



                                     279
2021




21


                                                       2021               2020


                                                       22,065             23,108
                                                          720              1,626
                               20                        (970)              (261)
                                                       (1,324)               (15)
                       5                                 (427)            (1,505)
                                                         (510)              (888)


                                                       19,554             22,065




                                                                          2021
       12   31
              107.08       68.27      2020    12 31              120.09
            78.35                            2021 12    31




                                    280
2021




21




                        2021       2020
                      12 31      12 31



       50                2,856      1,976
       10–50            7,622      9,836


                        10,478     11,812



       50                3,842      4,288
       10–50            4,793      5,782
       10                  441        183


                         9,076     10,253


                        19,554     22,065




                281
2021




22


                                             2021            2020
                                           12 31           12 31

                               (1)
                                            123,590         141,286
                         (2)
                                             20,321          22,855
                   (3)
                                             16,930          15,614
                         (4)
                                              6,122           6,526
                                              3,329           3,215
                   (5)
                                              2,043           2,120
             (6)
                                              2,481           2,525
                                                284           1,299
                                             28,840          21,756


                                            203,940         217,196


       (1)


                                                 2021            2020
                                            12     31       12     31


                                             128,561         146,144
                                                 (4,971)         (4,858)


                                             123,590         141,286




                                     282
2021




22

       (1)




                                       2021      12   31                   2020      12   31



             1                         114,233                (575)        135,647                (944)
             1   3                       6,549              (1,305)          4,038                (892)
             3                           7,779              (3,091)          6,459              (3,022)


                                       128,561              (4,971)        146,144              (4,858)


       (2)


                                2021                                        2020




                     35,251            176        35,427         29,500            156         29,656
                      5,243            119         5,362          7,413             44          7,457
                     (3,734)           (61)       (3,795)        (1,242)           (21)        (1,263)
                       (313)            (2)         (315)          (420)            (3)          (423)


                     36,447            232        36,679         35,251            176         35,427



                     (12,477)          (95)      (12,572)        (6,781)           (53)         (6,834)
                      (7,087)          (58)       (7,145)        (6,841)           (63)         (6,904)
                       3,166            58         3,224          1,030             20           1,050
                         133             2           135            115              1             116


                     (16,265)          (93)      (16,358)       (12,477)           (95)        (12,572)



                     22,774             81        22,855         22,719            103         22,822


                     20,182            139        20,321         22,774              81        22,855



                                       283
2021




22

       (3)


                                 2021             2020



                                 34,709           26,573
                                  6,120            8,712
                                   (252)            (226)
                                   (200)            (350)


                                 40,377           34,709



                                 (19,095)         (13,221)
                                  (4,665)          (6,323)
                                    177              208
                                    136              241


                                 (23,447)         (19,095)



                                 15,614           13,352


                                 16,930           15,614


       (4)




                                 2021             2020
                            12     31        12     31



             50                         58               60
             10–50               5,384            5,809
             10                     680              657


                                  6,122            6,526


                      284
2021




22

       (5)


               2021   12    31                                                 20.43          2020      12     31
                           21.20                                                       8.82          2020      12
               31                9.02


             2021                                           3.53        2020                  6.02
                                                     2021   12     31


       (6)


                                                                          2021                       2020


                                                                           2,525                        2,686
                                                                                 –                            –
                                                                                 –                          (25)
                                                                               (44)                      (136)


                                                                           2,481                        2,525


                                        2006                                                     2.41
                            15.35




                                               285
2021




23
       2021




              368,173    98,289    (74,403)   (1,969)   390,090

                 446          9          –       (4)      451
              368,619    98,298    (74,403)   (1,973)   390,541

                8,923      721           –      83       9,727


                5,479      763           –      (12)     6,230
               14,402     1,484          –      71      15,957
               40,358     4,438      (500)     (405)     43,891
              423,379   104,220    (74,903)   (2,307)   450,389

       2020




              325,360   103,743    (57,152)   (3,778)   368,173


                 563       (113)         –       (4)      446
              325,923   103,630    (57,152)   (3,782)   368,619

                6,786     1,872        (24)     289       8,923


                1,254     4,244          –     (19)      5,479
                8,040     6,116        (24)     270      14,402
               32,099     9,270      (662)     (349)     40,358
              366,062   119,016    (57,838)   (3,861)   423,379




               286
2021




24

               2021        2020
             12 31       12 31

               581,078     515,162
             1,827,138   1,077,841

              145,363     177,717

              121,640     142,379

             2,675,219   1,913,099

                7,520       3,904

             2,682,739   1,917,003


25

               2021        2020
             12 31       12 31

                  107     251,533
              948,758     630,092

              948,865     881,625

                6,692       6,186

              955,557     887,811


26




       287
2021




27


                                                                                    2021                  2020
                                                                                  12 31                 12 31


                                                                                   279,480               258,240
                                                                                     3,688                27,933


                                                                                   120,396               115,308


                                                                                        3,408                 9,497


                                                                                   406,972               410,978


                                                                                          795                   971

               (1)(2)
                                                                                   407,767               411,949


       (1)


                    2021   12    31                                                              1.62   2020     12
              31                  38.31         2021      2020   12   31
                                                       2021      2020



       (2)


                                                                                        2021                  2020
                                                                                   12     31             12     31

                           (i)
                                                                                        97,372            127,202


              (i)                                                          40.2


28


             2021          2020       12   31


                                                         288
2021




29


                                 2021         2020
                               12 31        12 31



                                5,275,514    4,956,751
                                3,487,433    3,355,893


                                8,762,947    8,312,644



                                3,968,527    3,621,775
                                4,299,050    3,854,531


                                8,267,577    7,476,306

             (1)


                                 351,445      254,553
                                 300,628      379,680


                                 652,073      634,233


                                 160,419      206,146
       (2)
                                  77,152       64,042


                               17,920,168   16,693,371


                                 222,719      185,800

                   (3)
                               18,142,887   16,879,171




                         289
2021




29

       (1)


                            2021      12   31                                                 313.11      2020
             12        31                  257.42            2021          2020   12     31
                                                                    2021          2020



       (2)




                  2021           12   31                                     15        32                0.15%
             7.92% 2020               12   31       0.15%   7.92%


       (3)        2021           12   31                                                      3,304.94      2020
                  12        31                  3,043.14




                                                                290
2021




30
                                                                                                 2021          2020
                                                                                               12 31         12 31


                                   (1)
       2011                                            2011 5 17          2026 5 19    5.30%            –     32,000
       2012     (2)
                                                       2012 11 27         2027 11 29   4.99%     18,000        18,000
         (17)
                                                                                                 18,000        50,000

       2014                  (3)
                                                       2014 11 13         2024 11 13   5.00%     19,084        19,518
       2017                              (4)
                                                       2017 9 26          2027 9 28    4.45%     29,973        29,970
       2017                              (5)
                                                       2017 10 31         2027 11 2    4.45%     29,974        29,972
       2018                              (6)
                                                        2018 9 3           2028 9 5    4.86%     39,984        39,983
       2018                              (7)
                                                       2018 10 9          2028 10 11   4.84%     39,986        39,985
       2019
                                         01(8)         2019 9 20          2029 9 24    3.98%     29,989        29,988
       2019
                                         02(9)         2019 9 20          2034 9 24    4.34%      9,996         9,996
       2019                              (10)
                                                       2019 11 20         2029 11 22   4.01%     29,991        29,991
       2020
                                         01(11)        2020 9 17          2030 9 21    4.20%     59,976        59,976
       2020
                                         02(12)        2020 9 17          2035 9 21    4.47%     14,994        14,994
       2021
                                         01(13)        2021 3 17          2031 3 19    4.15%     14,995               –
       2021
                                         02(14)        2021 3 17          2036 3 19    4.38%      9,996               –
       2021
                                         01(15)        2021 11 12         2031 11 16   3.60%     39,989               –
       2021
                                         02(16)        2021 11 12         2036 11 16   3.80%      9,997               –
         (17)
                                                                                                378,924       304,373
                      (18)

                                                                                                185,618       198,317
                                                                                                 90,604        73,165
                                                                                                 49,403        51,555
                                                                                                325,625       323,037
                                                                                                659,306       554,801

                                                                                               1,381,855     1,232,211
                                                (19)
                                                                                                    317         6,162
                                                                                               1,382,172     1,238,373
                                                                                                   6,506         6,030
         (20)
                                                                                               1,388,678     1,244,403

                                                                    291
2021




30

       (1)   2011    5    17                                              5.30%
                                                                     2021          5    19



       (2)   2012    11     27                                                         4.99%


                                                            4.99%


       (3)           2014        11       13     30                 10
             5.00%


       (4)           2017        9    26       300                       10
                     4.45%


       (5)           2017        10       31     300                          10
                          4.45%


       (6)           2018        9    3        400                       10
                     4.86%


       (7)           2018        10    9       400                       10
                     4.84%


       (8)           2019        9    20       300                       10
                     3.98%




                                                      292
2021




30

       (9)                2019    9    20               100                                         15
                          4.34%


       (10)               2019    11    20                  300                                          10
                            4.01%


       (11)               2020    9    17               600                                         10
                          4.20%


       (12)               2020    9    17               150                                         15
                          4.47%


       (13)               2021    3    17               150                                         10
                          4.15%


       (14)               2021    3    17               100                                         15
                          4.38%


       (15)               2021    11    12                  400                                          10
                            3.60%


       (16)               2021    11    12                  100                                          15
                            3.80%


       (17)


       (18) 2013           2021
                                                                                   2022   2030


       (19)


                   2021    12     31                                                         3.17             2020   12
              31                  61.62              2021         2020   12   31
                                                            2021         2020



     (20)                              2021   2020




                                                              293
2021




31



                                                                  20


          2021 12 31                                                   7      7
       0.36% 1.62% 2020          12    31      0.45%     1.55%


                                2021    2020



32


                                                                             2021       2020
                                                                           12 31      12 31


                                                                             35,891     47,337
                                                                              7,459      6,742
                                                                                539        492
                                                                                345        326
                                                                                772        768


                                                                             45,006     55,665


33


        2021     12        31                                          2003 12 31
                                                          18.81          2020 12 31
       18.96                    2.14        2020    12   31                3.03        2021
       2020 12        31




                                                   294
2021




33




               2021        2020


                2,199       2,533
                   66          74
                   84        (125)
                 (254)       (283)


                2,095       2,199




               2021        2020
             12 31       12 31



                2.75%       3.25%
                2.50%       2.75%



                3.0%        3.0%
                3.0%        3.0%


                8.0%        8.0%



                   60          60
                50/55       50/55




       295
2021




33




       2021    2020    12   31



34



              2005    11


                                       25%
                                       H




                                 296
2021




35


35.1


       2021     12   31             2020   12   31




       197,710        51,172        234,905      58,916
       (40,818)           (7,003)   (45,934)         (6,499)


       156,892        44,169        188,971      52,417




          297
2021




35

35.2

                                      2021     12    31              2020   12    31




                                     274,503              68,376    253,785        63,242

                                      24,929               6,238     17,952            4,470



                                      65,287              16,237    174,011        43,224


                                       1,224                 304        809              202
                                      37,898               8,849     41,355            9,599

                                     403,841             100,004    487,912       120,737




                                     (108,696)           (26,774)   (174,976)      (42,853)


                                      (37,265)            (9,205)    (30,836)       (7,445)
                                      (25,978)            (4,530)    (24,104)       (4,193)
                                       (8,040)            (1,536)     (8,845)       (1,722)
                                      (66,970)           (13,790)    (60,180)      (12,107)

                                     (246,949)           (55,835)   (298,941)      (68,320)

                                     156,892              44,169    188,971        52,417

       2021   12     31
                          1,743.51      2020        12    31           1,642.99
              20.2


                                         298
2021




35

35.3


                  2021       2020


                  52,417     38,577
       10          (6,702)   14,268
                   (1,557)      (62)
                       11      (366)


                  44,169     52,417


35.4


                  2021       2020


                   5,134     12,190


                  (10,908)    1,196
                    1,768       (40)
                   (2,696)      922


                   (6,702)   14,268




            299
2021




36


                           2021       2020
                         12 31      12 31



                          153,677    132,431
                            9,932      9,670
                           68,229     78,940
             (1)
                           39,685     34,179
       (2)
                           19,619     21,893
       (3)
                           26,343     29,492
                            6,362     11,532
                          112,708     92,236


                          436,555    410,373




                   300
2021




36

       (1)

             2021




                                                    23,909    68,798   (61,656)   31,051
                                                         –    4,664    (4,664)        –

                                                     1,476     3,932    (3,883)    1,525
                                                       204     6,205    (6,179)      230
                                                     2,086     3,527    (5,603)       10
                                                         5       213      (212)        6
                                                         1        81       (80)        2
                                                         3       135      (135)        3
                                                        36     4,940    (4,946)       30
                                                     5,782     2,052    (1,708)    6,126
                                                        24        29       (30)       23
                                                       653     4,674    (4,648)      679

                    (i)
                                                    34,179    99,250   (93,744)   39,685


             2020




                                                    23,665    62,377   (62,133)   23,909
                                                         –    4,218    (4,218)        –

                                                     1,595     3,109    (3,228)    1,476
                                                       159     4,607    (4,562)      204
                                                     2,141     3,440    (3,495)    2,086
                                                         6       150      (151)        5
                                                         2        59       (60)        1
                                                         3       136      (136)        3
                                                        39     4,774    (4,777)       36
                                                     5,136     2,082    (1,436)    5,782
                                                        19        28       (23)       24
                                                       608     4,304    (4,259)      653

                    (i)
                                                    33,373    89,284   (88,478)   34,179


             (i)          2021   2020   12   31



                                                  301
2021




36

       (2)



                                              2021           2020
                                         12     31      12     31


                                               5,927          6,369
                                              11,082         12,487
                                               8,361          9,161


                                              25,370         28,017


                                              19,619         21,893


       (3)


                                              2021           2020
                                         12     31      12     31

                   (1)
                                              25,456         28,767
                         40.1                    887            725


                                              26,343         29,492




                                              2021           2020


                                              29,492         24,469
                                              (2,623)         5,589
                                                (251)          (281)
                                                (275)          (285)


                                              26,343         29,492


             (1)                      2021    2020




                                302
2021




37


37.1




                                2021              2020
                              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


                                2021              2020
                              12 31             12 31


                                133,648           133,679
                                  2,069             2,294


                                135,717           135,973




                   303
2021




37

37.3

       2021

                                               2021 1 1                                        2021 12 31




                       (1)
                                                2.800       27,969       (2.800)   (27,969)         –         –
                       (2)
                                                7.300       72,979            –         –     7.300     72,979
                       (3)
                                                2.700       26,990            –         –     2.700     26,990
                       (4)
                                                1.979       19,581            –         –     1.979     19,581


                                               14.779      147,519       (2.800)   (27,969)    11.979    119,550



                                        (5)
       2019                                                 39,992                      –                39,992
                                        (6)
       2020                                                 39,990                      –                39,990
                                        (7)
       2020                                                 29,994                      –                29,994
                                        (8)
       2020                                                 19,995                      –                19,995
                                        (9)
       2021                                                      –                49,989                 49,989
                                        (10)
       2021                                                      –                19,995                 19,995


                                                           129,971                 69,984                199,955


                                                           277,490                 42,015                319,505



       (1)                                          2021     3      15                        2.80
                                                                                               295.40


       (2)                                          2019     6    24
                             730                              100                   7.30             5
              4.50%                5



                      2024     6   27




                                                    304
2021




37


37.3

       (3)                                           2019     8   26
                                270                           100                     2.70   5
                 4.35%                5



                         2024     8   29



       (4)                                             2020   3     4
                                               100                      197,865,300              1
             7.0168                            28.20                              3.60%
                                           12.15%



                         2025     3   4




                                                       305
2021




37

37.3

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

       (6)                                2020   4   28
              400                                      2020 4   30
                      100         5              3.40%     5

       (7)                                2020   11   13
                300                                       2020 11    17
                            100       5               4.55%    5

       (8)                                2020   12   10
                200                                       2020 12    14
                            100       5               4.70%    5

       (9)                                2021   5   17
              500                                      2021 5   19
                      100         5              4.08%     5

       (10)                               2021   11   25
                200                                       2021 11    29
                            100       5               3.64%    5

                                                                          5




38

38.1
                                                       10%
                                          50%


              25%


                                          306
2021




38


38.1

              2022     3   29                                2021                        10%
                                     193.96          2020               177.20




38.2

                                                                             [2012]20



                                       1.5%                                               5

              2022 3       29                               2021                                  314.39
               2020              208.22




                     2021       2020    12 31
                38.66                  31.05

38.3




       2021    5     20                                             2020
                                              2020                                       579.94



                                     2021                                    10            2.21    2020
                       1.97     10                     2021        12   31
                                                 650.60                           2021
                2021




                                                     307
2021




38


38.3




               2021    4      29
                                                                    2021 6   28
                                        32.85                2021   8 30
                               11.745


               2021    10      29
                                                             2022   3   4
                      1.015                      2021   12   31




               2021     1     29         2019
       18.00


               2021     4     30         2020
       13.60


               2021     11     17         2020
       13.65


               2021     12     14         2020
       9.40




                                                 308
2021




39




                                                       2021            2020
                                                     12 31           12 31


                                                          93,924       94,489
                                                          11,847       11,069
                                                          10,234        9,878
                                                           9,395        8,982


                                                      125,400         124,418


40


40.1

       2021   12   31



                                      2021      12   31


                        8.87   2020   12   31                 7.25
         36




                                309
2021




40

40.2




                                                       2021        2020
                                                     12 31       12 31


                                                     1,050,527    666,236
                                                         1,778      2,127


                                                     1,052,305    668,363


40.3



                            2021    12    31
                        2,991.37         2020   12     31        1,512.04
       2021   12   31
                              23.84         2020      12    31       7.97




                              310
2021




40

40.4


               2021       2020
             12 31      12 31



               34,371     46,723
                1,992      3,468

                1,442      1,242
                  155        199

                  686      1,252


               38,646     52,884


40.5




               2021       2020
             12 31      12 31

               11,870     13,132
               13,153     14,611
               12,748     14,009
               11,765     13,473
               11,080     12,529
               49,901     55,771


              110,517    123,525



       311
2021




40

40.6




             2021 12 31                                                              540.53
              2020 12 31                         555.97




40.7


                                                                  2021                2020
                                                                12 31               12 31

                         (1)


                                      1                           318,393             262,001
                                      1                         1,898,072           1,417,031
                                                                1,044,469           1,060,580
                         (2)
                                                                1,086,152           1,035,517
                                                                  378,118             301,602
                                                                  171,018             154,181
                                                                   80,958              81,817
                                                                  243,974             178,944

              (3)
                                                                5,221,154           4,491,673


       (1)
                               2021   12   31                            3,386.47     2020    12
                    31                3,343.84


       (2)


                                                          312
2021




40


40.7

       (3)




                                             2021         2020
                                        12     31    12     31


                                        1,266,950    1,186,895



40.8

          2021   12 31
       6.00       2020 12   31


41


                                                             3



                                         2021         2020
                                       12 31        12 31


                                        400,769      453,505
                                        740,092      587,113
                                        689,909      361,872
                                        144,861       92,378


                                       1,975,631    1,494,868




                                 313
2021




42


42.1   2007   9   29                    15,500




42.2

(1)




                           8,282.09


                  64.02%
                  64.02%




                   911000007109329615




                                314
2021




42


42.2

(2)




               2021        2020
             12 31       12 31

               37,842      43,659
              (40,617)    (18,047)




               2021        2020

                1,170       1,028
                 (652)       (229)


(3)




       315
2021




42

42.2

(3)




                      2021                2020
                 12     31           12     31

                   101,654             126,104
                   210,826             144,640
                   498,044             390,508
                     7,407              18,863
                    64,341              85,650
                  (259,277)           (256,582)
                  (135,319)           (137,131)
                    (8,561)            (21,294)
                    47,175              32,177




                      2021                2020

                      14,657              12,561
                      (7,042)             (4,313)




                      2021                2020

              0.00%–5.50%        0.00%–5.20%
             -0.48%–6.50%      -0.21%–27.00%
             -0.58%–5.98%       -0.05%–5.98%
              0.15%–4.75%        0.18%–9.91%
             -0.60%–5.22%       -0.50%–6.00%
             -0.53%–5.50%       -0.50%–4.80%


       316
2021




42

42.3




42.4




               2021            2020
             12 31           12 31


               18,935          18,502
              (16,285)        (10,641)
               27,408          23,144




               2021            2020

                  674             772
                 (374)           (316)
                         `




       317
      2021




      42

      42.4




                                                                     %       %

                                             91110102MA01W7X36U     25.70   25.70    45,000

                                               91310000736650364G   33.42   33.42     2,778




318
                                               91210800121119657C    8.86     (1)    20,000




                                               91110000717827478Q   20.00   20.00      100

                                               91510500711880825C   16.44     (1)     1,568

                                                                    80.00     (1)    0.0025
                                             91310000MA1H3FM95L     75.00     (1)     2,400


             Wkland Investments II Limited                          50.00   50.00   0.00002
                                             91310000MA1FL7AXXR      9.00     (1)    88,500

                                             91340202MA2RENJEX9     21.20   28.57


             (1)
2021




42

42.5

                                                                                            2021
       2020


42.6




                                                                                     2021     2020



                              2021         2020


                                                                      2021              2020

                              (1)
                                                                             11                15
                                                                              1                 1


                                                                             12                16


       (1)                                                     2021
                                                  2021



42.7

                  2021   12         31
                                                                         3.52        2020     12
       31                     3.65
                                                                              0.14     2020        12
             31                     0.20



                                                         319
2021




42

42.8




               2021         2020
             12 31        12 31


               98,768       31,487
              273,438      184,792
              (200,982)    (190,167)
               (40,061)     (28,057)




               2021         2020


                 2,747        2,304
                (2,111)      (1,209)




       320
      2021




      42

      42.8




                                                       %        %
             (1)


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




321
                               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   14,500   100.00   100.00
                                2019 7 1    10,000   100.00   100.00

                               2020 6 18    10,800    92.59    92.59

                         (2)
                               2001 9 12    52,864    66.06    66.06
                         (3)
                               1964 10 16   43,043    66.06   100.00
                                1980 9 9      565     66.06   100.00
                         (3)
                               1997 12 1      200     77.60   100.00
                   (2)
                               1993 11 25    1,158    70.00    70.00
2021




42


42.8

       (1)



       (2)


       (3)
             66%   34%         66.06%   100%




43




                         322
2021




43




       323
      2021




      43
             2021   12          31     2021


                                                 722,469      34,203        23,009       57,212       22,050      (12,243)       789,488
                                                (346,563)     (6,893)      (16,266)     (23,159)      (6,867)      12,243       (364,346)
                                                375,906       27,310        6,743       34,053        15,183             –     425,142
                                                  76,927      11,754         7,672      19,426         6,183        (8,083)       94,453
                                                 (12,587)     (2,492)       (2,454)     (4,946)       (2,224)        6,730       (13,027)
                                                 64,340        9,262        5,218       14,480         3,959        (1,353)       81,426
                                                 19,996        2,261        5,320        7,581           717            (3)       28,291
                                                  1,742          924          314        1,238           217             –        3,197
                          (1)
                                                 19,061       14,204       35,352       49,556           236        (1,192)       67,661




324
                                                 481,045       53,961       52,947     106,908        20,312        (2,548)      605,717
                    (1)
                                                (163,673)     (26,698)     (30,747)    (57,445)       (7,843)        2,606      (226,355)
                                                 (99,622)      (1,778)      (2,539)     (4,317)         (281)            –     (104,220)
                                                217,750       25,485       19,661       45,146        12,188           58       275,142
                                                    779         (241)         940          699             –           –        1,478
                                                218,529       25,244       20,601       45,845        12,188           58       276,620

                                                                                                                                 (49,281)
                                                                                                                                227,339

                                              21,471,302    2,951,526    1,659,173    4,610,699    2,292,838    (1,688,200)   26,686,639
                                                  20,544          598       14,627       15,225            –            –       35,769
                                              21,491,846    2,952,124    1,673,800    4,625,924    2,292,838    (1,688,200)   26,722,408
                                 (2)
                                                 117,571       26,383      169,999      196,382        9,021        (4,275)      318,699
                                              19,607,634    2,709,070    1,521,145    4,230,215    2,222,113    (1,688,107)   24,371,855


                                                  (3,667)        541        4,376        4,917       (1,250)            –             –
                                                     232         370          601          971          150        (1,353)             –
                                                  13,400       1,423       15,070       16,493          269             –        30,162
                                                  20,355       1,833        6,406        8,239          880          (682)        28,792
                                               4,433,323     293,314      171,201      464,515      535,677      (212,361)     5,221,154
      2021




      43
             2020   12          31     2020


                                                 673,082       44,499       29,847       74,346       32,125      (19,483)       760,070
                                                (310,089)     (13,312)     (23,474)     (36,786)     (16,760)      19,483       (344,152)
                                                362,993       31,187        6,373       37,560        15,365             –     415,918
                                                 67,187       11,355         7,846      19,201         6,085        (3,833)       88,640
                                                 (9,030)      (2,413)       (2,126)     (4,539)       (1,950)        2,401       (13,118)
                                                 58,157        8,942        5,720       14,662         4,135        (1,432)       75,522
                                                 (4,208)       5,793        5,293       11,086         1,177            –         8,055
                                                  4,965        4,063          142        4,205           377            –         9,547
                          (1)
                                                 14,727       16,999       26,855       43,854           948         (924)        58,605




325
                                                 436,634       66,984       44,383     111,367        22,002        (2,356)      567,647
                    (1)
                                                (140,087)     (33,468)     (23,011)    (56,479)       (8,201)        2,356      (202,411)
                                                (107,622)      (2,407)      (2,574)     (4,981)       (6,413)            –     (119,016)
                                                188,925       31,109       18,798       49,907         7,388             –     246,220
                                                   (185)        (164)         507          343             –            –         158
                                                188,740       30,945       19,305       50,250         7,388             –     246,378
                                                                                                                                 (41,282)
                                                                                                                                205,096
                                              19,434,557    2,762,985    1,529,898    4,292,883    2,090,165    (1,448,454)   24,369,151
                                                  19,712          858       12,938       13,796            –            –       33,508
                                              19,454,269    2,763,843    1,542,836    4,306,679    2,090,165    (1,448,454)   24,402,659
                                 (2)
                                                 119,001       27,626      170,894      198,520        9,939        (2,980)      324,480
                                              17,753,122    2,520,219    1,396,881    3,917,100    2,017,915    (1,448,315)   22,239,822

                                                  (4,886)        775        6,771        7,546       (2,660)            –             –
                                                     487         395          692        1,087         (142)       (1,432)             –
                                                  12,133       1,593       26,472       28,065          309             –        40,507
                                                  19,056       1,972        6,097        8,069          838          (457)        27,506
                                               3,753,654     310,620      145,806      456,426      507,083      (225,490)     4,491,673

             (1)
             (2)
      2021




      43
             2021   12   31   2021

                                        346,214     311,480      188,432      1,220      3,914      4,414    (66,186)      789,488
                                       (176,401)   (137,540)    (109,822)      (139)       (84)    (6,549)    66,189      (364,346)
                                        169,813     173,940        78,610     1,081      3,830     (2,135)         3      425,142
                                         31,212       39,163       15,240     9,819          –     2,087     (3,068)       94,453
                                         (1,382)      (6,998)        (914)   (2,640)    (3,585)      (143)     2,635       (13,027)
                                         29,830       32,165       14,326     7,179     (3,585)     1,944      (433)        81,426
                                          1,972         (347)      13,255      500         (41)    12,874         78        28,291
                                          1,458          206        1,262       21         237         13          –        3,197
                                            581       10,486          484      320      35,580     23,429     (3,219)       67,661




326
                                        203,654     216,450      107,937      9,101     36,021     36,125     (3,571)      605,717
                                        (71,074)    (88,676)     (21,784)    (2,984)   (34,357)   (11,229)     3,749      (226,355)
                                        (68,087)    (24,778)      (7,341)      (270)       (30)    (3,513)      (201)     (104,220)
                                         64,493     102,996        78,812     5,847      1,634     21,383        (23)     275,142

                                              –           –           –     339           –     1,273      (134)         1,478
                                         64,493     102,996        78,812     6,186      1,634     22,656      (157)      276,620
                                                                                                                           (49,281)
                                                                                                                          227,339
                                     10,117,500    6,179,877    9,521,320    92,943    231,683    637,470    (94,154)   26,686,639
                                              –           –           –    5,779          –    30,130       (140)       35,769
                                     10,117,500    6,179,877    9,521,320    98,722    231,683    667,600    (94,294)   26,722,408
                                     12,303,472    8,427,530    3,131,945    62,915    211,832    328,198    (94,037)   24,371,855

                                         16,438       48,690      (64,964)     260           9       (436)        3              –
                                            472        1,791           59     (637)     (1,612)       360      (433)             –
                                          3,998        4,615          212      212         158     20,967         –        30,162
                                          9,225       11,027        2,198      411         280      6,082      (931)        28,792
                                      3,956,835    1,264,319            –       –          –         –        –     5,221,154
      2021




      43
             2020   12   31   2020

                                       340,794      294,134      190,422       1,888      3,525      4,053     (74,746)      760,070
                                      (156,596)    (111,965)    (142,905)       (403)      (105)    (7,116)     74,938      (344,152)
                                       184,198      182,169        47,517      1,485      3,420     (3,063)       192       415,918
                                         30,304       37,241       15,935      5,871          1      2,340      (3,052)       88,640
                                         (1,284)      (6,259)      (2,631)    (1,800)    (3,514)      (131)      2,501       (13,118)
                                         29,020       30,982       13,304      4,071     (3,513)     2,209        (551)       75,522
                                          2,326        1,097       (1,954)      268       2,793      3,571         (46)        8,055
                                          1,215          102        7,980         1         243          6           –        9,547
                                            831        7,284        1,039       287      31,962     20,402      (3,200)       58,605




327
                                       217,590      221,634        67,886      6,112     34,905     23,125      (3,605)      567,647
                                       (63,314)     (78,897)      (17,445)    (2,996)   (33,270)   (10,157)      3,668      (202,411)
                                       (79,872)     (29,136)       (8,223)       (12)       (49)    (1,789)         65      (119,016)
                                         74,404     113,601        42,218      3,104      1,586     11,179        128       246,220

                                              –           –           –      342           –      (119)        (65)          158
                                         74,404     113,601        42,218      3,446      1,586     11,060         63       246,378
                                                                                                                             (41,282)
                                                                                                                            205,096
                                      9,251,427    5,641,051    8,684,296     99,425    204,290    593,454    (104,792)   24,369,151
                                              –           –           –     5,585          –    27,989         (66)       33,508
                                      9,251,427    5,641,051    8,684,296    105,010    204,290    621,443    (104,858)   24,402,659
                                     10,376,544    7,461,553    3,915,554     72,597    185,310    332,963    (104,699)   22,239,822

                                         20,712       52,337      (72,651)       310         14       (914)        192             –
                                            627        1,759          114       (598)    (1,769)       417        (550)            –
                                          3,620        4,137          192        179        116     32,263           –       40,507
                                          8,665       10,630        2,532        404        277      5,712        (714)       27,506
                                      3,242,275    1,249,398            –         –         –         –          –    4,491,673
2021




44




       2021    12   31           2020   12   31




        6,655            6,398   13,248       13,550




         328
2021




44




                                                                                   2021
       12   31                          6.80         2020   12     31       7.60




                                                                        464.42       2020
                      153.65          2021     12    31
                 215.79      2020   12 31                 152.44




                                               329
2021




45




45.1




              2021 12 31                                                        17,107.50
             2020 12 31               13,889.04
                                      4,874.38    2020     12   31               4,868.80


       2021                                                                     114.35
        2020                  84.99

              2021     12   31


                                                                           2021
                                                                         621.20          2020
                       1,322.05
            2021     12 31                         26.00         2020    12     31
            185.80

       2020     7
                       2021                                                     2021     12
       31

                2021
                                          34.76    2020                 12.30
                                                                                         44


                                            330
2021




45


45.1




       2021 12 31
                    68,914              –        –    68,914    68,914
                     2,745          3,220     6,303     12,268    12,268
                    11,357         45,880    67,844    125,081   125,081


       2020 12 31
                    57,099              –        –    57,099    57,099
                     2,914              –    8,407     11,321    11,321
                     5,538         40,633    58,195    104,366   104,366


45.2




                             331
2021




46




                                                           *

       2021   12   31
                        29,313         –   29,313   (20,332)    (3,262)    5,719
                        16,568         –   16,568   (16,568)         –        –
                         9,357    (7,284)    2,073         –         –    2,073

                        55,238    (7,284)   47,954   (36,900)    (3,262)    7,792

       2020   12   31
                        52,457         –   52,457   (37,206)    (2,843)   12,408
                         3,858         –    3,858    (3,858)         –        –
                        16,611   (12,035)    4,576         –         –    4,576

                        72,926   (12,035)   60,891   (41,064)    (2,843)   16,984




                                                           *

       2021   12   31
                        29,845         –   29,845   (20,526)    (4,701)    4,618
                        55,816         –   55,816   (55,816)         –        –
                         7,799    (7,284)      515         –         –      515

                        93,460    (7,284)   86,176   (76,342)    (4,701)    5,133

       2020   12   31
                        62,412         –   62,412   (37,220)   (14,196)   10,996
                           176         –      176      (176)         –        –
                        13,006   (12,035)      971         –         –      971

                        75,594   (12,035)   63,559   (37,396)   (14,196)   11,967

       *


                                     332
2021




46




       333
2021




47


47.1


               2021         2020
             12 31        12 31



                684,360      735,856
              2,066,094    1,895,772
              1,441,375    1,065,541
                  9,080        9,083
                267,913      214,310
                 70,379      132,878
             13,652,081   12,286,706
              4,768,450    4,422,013


               287,927      264,746


              1,486,942    1,315,891
              2,993,581    2,841,376
                140,451      135,553
                  8,379        7,731
                202,265      202,275
                 79,534       81,661
                  1,984        2,185
                 51,892       59,767
                102,586      112,152


             23,546,823   21,363,483




       334
2021




47


47.1

                               2021         2020
                             12 31        12 31


                              2,751,227    1,960,349
                                883,097      838,054
                                  8,970        9,226
                                356,765      393,521
                                  1,945          571
                                 65,892      164,604
                             15,956,260   14,787,841
                              1,283,648    1,140,777
                                 40,325       50,980
                                  2,095        2,199
                                    596          567
                                187,732      176,000

                             21,538,552   19,524,689



                               294,388      294,388
                               319,505      277,490
                               132,331      132,590
                                20,116       17,712
                               208,319      188,832
                               292,549      261,170
                               741,063      666,612

                              2,008,271    1,838,794

                             23,546,823   21,363,483


       2022   3   29




                       335
      2021




      47

      47.2




             2021   1    1        294,388   277,490    132,590    17,712   188,832   261,170    666,612    1,838,794

                                       –         –         –    2,404        –         –   193,962     196,366




336
                                       –         –         –       –    19,487         –   (19,487)           –
                                       –         –         –       –        –    31,379    (31,379)           –
                                       –         –         –       –        –         –   (68,645)     (68,645)
                                       –    42,015        (31)       –        –         –         –      41,984
                                       –         –      (228)       –        –         –         –       (228)


             2021   12       31   294,388   319,505    132,331    20,116   208,319   292,549    741,063    2,008,271
      2021




      47


      47.2




             2020   1    1        294,388   199,893    132,627    19,292    171,003   240,279    596,399    1,653,881




337
                                       –         –         –   (1,590)        –         –   177,200     175,610


                                       –         –         –        –    17,829         –   (17,829)           –
                                       –         –         –        –        –    20,891    (20,891)           –
                                       –         –         –        –        –         –   (68,257)     (68,257)
                                       –    77,597        (37)       –         –         –         –      77,560
                                       –         –         –      10          –         –       (10)           –


             2020   12       31   294,388   277,490    132,590    17,712    188,832   261,170    666,612    1,838,794
2021




48




(1)                                                              2021
         12     31



       2021     12        31



                                                              481,816
                                                                2,997


                                                              579,043


(2)




         2021        12        31
                                    652.60   2020   12   31     939.64




                                    338
2021




49




              2022 1   20    300
       2032   1 24          3.25%




                             339
2021




1




2




       340
2021




2

2.1

(1)




       341
2021




2


2.1

(1)




                                                 PD
                                         PD                                        12


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




                                          342
2021




2


2.1

(2)




(3)




2.2




       343
2021




2


2.2

(1)

(i)




       (1)         (2)   (3)




(ii)




             344
2021




2


2.2

(2)

(i)




             40.3




       345
2021




2


2.2

(2)

(ii)




2.3




       346
2021




2


2.3

(1)




(2)




       1%         4




            347
2021




2


2.3

(2)




             30




       348
2021




2


2.3

(3)




       90




            349
2021




2


2.3

(4)



           12



       9
                           9




                12




                12




                     350
2021




2


2.3

(5)



              2021      12   31




                                  2021   12   31




                                                          5.4%–6.9%




       2021        12   31                               30%



                                                              2021
       12     31                                            10%
                                                           5%


                                                   351
2021




2

2.4


               2021         2020
             12 31        12 31



                585,298      724,320
              2,228,726    2,076,840
              1,257,413      939,320
                175,715      168,608
                 95,799      171,738
             15,322,484   13,848,304



               383,313      353,064


              2,366,297    2,086,362
              3,213,199    2,978,778
                133,453      134,116


             25,761,697   23,481,450



              1,086,152    1,035,517
              4,135,002    3,456,156


              5,221,154    4,491,673


             30,982,851   27,973,123




       352
2021




2


2.4

                          2021   2020    12   31




         2021 12 31                                49.45%
             2020 12 31      49.51%     19.13%              2020   12   31
       19.32%




                                        353
2021




2

2.5




(1)

(i)


          2021     12   31           2020   12   31



       12,953,259        82.64%   11,501,791      81.09%
        1,752,527        11.18%    1,697,934      11.97%
          969,208         6.18%      983,660       6.94%


       15,674,994       100.00%   14,183,385     100.00%


          2021     12   31           2020   12   31



        1,811,146        13.99%    1,695,932      14.74%
          548,436         4.23%      502,186       4.37%
        5,158,395        39.82%    4,505,204      39.17%
        3,708,815        28.63%    3,266,619      28.40%
        1,726,467        13.33%    1,531,850      13.32%


       12,953,259       100.00%   11,501,791     100.00%




             354
2021




2


2.5

(1)

(ii)




       2021   12   31


                         1,021,482      94,900   139,539    1,255,921
                         6,469,397   1,087,192   768,734    8,325,323
                         5,462,380     570,435    60,935    6,093,750


                        12,953,259   1,752,527   969,208   15,674,994


       2020   12   31


                           970,413      83,276   101,869    1,155,558
                         5,551,519   1,071,321   821,692    7,444,532
                         4,979,859     543,337    60,099    5,583,295


                        11,501,791   1,697,934   983,660   14,183,385




                              355
2021




2


2.5

(1)

(iii)


           2021     12   31              2020     12   31




         2,043,199        13.04%       1,764,213        12.44%
         1,888,582        12.05%       1,692,261        11.93%
         1,729,701        11.03%       1,493,828        10.53%
         1,212,336         7.73%       1,137,469         8.02%

          836,651             5.34%     726,824             5.13%
          704,486             4.49%     646,979             4.56%

          302,591             1.93%     250,551             1.77%
          296,668             1.89%     268,676             1.89%
          268,158             1.71%     282,394             1.99%
          170,548             1.09%     161,402             1.14%
          128,324             0.82%     175,493             1.24%


         9,581,244        61.12%       8,600,090        60.64%



         4,826,412        30.79%       4,418,761        31.15%
           507,107         3.24%         498,435         3.51%
           760,231         4.85%         666,099         4.70%


         6,093,750        38.88%       5,583,295        39.36%


        15,674,994       100.00%      14,183,385       100.00%


              356
2021




2


2.5

(1)

(iii)

           2021     12   31              2020     12   31




         1,589,119        12.27%       1,395,690        12.13%
         1,549,639        11.96%       1,329,778        11.56%
         1,578,645        12.19%       1,313,457        11.42%
           687,186         5.30%         639,777         5.56%

          657,020             5.07%     554,626             4.82%
          500,380             3.86%     487,488             4.24%

          295,183             2.28%     243,268             2.12%
          266,775             2.06%     218,541             1.90%
          161,473             1.25%     163,193             1.42%
          159,284             1.23%     136,444             1.19%
           46,175             0.36%      39,670             0.34%


         7,490,879        57.83%       6,521,932        56.70%



         4,316,325        33.32%       3,991,540        34.71%
           496,299         3.83%         488,086         4.24%
           649,756         5.02%         500,233         4.35%


         5,462,380        42.17%       4,979,859        43.30%


        12,953,259       100.00%      11,501,791       100.00%


              357
2021




2


2.5

(1)

(iv)


          2021     12   31           2020   12   31



        5,008,610        31.95%    4,533,495      31.96%
        1,863,868        11.89%    1,737,379      12.25%
        8,802,516        56.16%    7,912,511      55.79%


       15,674,994       100.00%   14,183,385     100.00%


          2021     12   31           2020   12   31



        3,801,150        29.35%    3,311,387      28.79%
        1,487,175        11.48%    1,379,925      12.00%
        7,664,934        59.17%    6,810,479      59.21%


       12,953,259       100.00%   11,501,791     100.00%




             358
2021




2


2.5

(2)

(i)


             2021 12 31                  2020 12 31




       193,030   92.45%    1.49%   189,985   91.66%    1.65%
         6,084    2.91%    0.35%     4,674    2.25%    0.28%
         9,678    4.64%    1.00%    12,614    6.09%    1.28%


       208,792   100.00%   1.33%   207,273   100.00%   1.46%


             2021 12 31                  2020 12 31




        38,825   20.11%    2.14%    27,699   14.58%    1.63%
        13,939    7.22%    2.54%    15,229    8.02%    3.03%
        51,633   26.75%    1.00%    52,199   27.47%    1.16%
        73,624   38.14%    1.99%    81,201   42.74%    2.49%
        15,009    7.78%    0.87%    13,657    7.19%    0.89%


       193,030   100.00%   1.49%   189,985   100.00%   1.65%




                     359
2021




2


2.5

(2)

(ii)


             2021 12 31                  2020 12 31




       179,526   85.98%    1.87%   174,012   83.95%    2.02%
        29,266   14.02%    0.48%    33,261   16.05%    0.60%


       208,792   100.00%   1.33%   207,273   100.00%   1.46%


             2021 12 31                  2020 12 31




       164,796   85.37%    2.20%   157,767   83.04%    2.42%
        28,234   14.63%    0.52%    32,218   16.96%    0.65%


       193,030   100.00%   1.49%   189,985   100.00%   1.65%




                     360
2021




2

2.5

(2)

(iii)

                  2021 12 31                     2020 12 31




         30,111       14.42%   1.89%    42,010       20.27%   3.01%
         55,341       26.50%   3.57%    56,696       27.35%   4.26%

         18,073        8.66%   1.14%    14,276        6.89%   1.09%
         34,694       16.62%   5.05%    29,952       14.45%   4.68%

         13,173        6.31%   2.00%     2,374        1.14%   0.43%
            201        0.10%   0.04%        42        0.02%   0.01%

          2,257        1.08%   0.76%     2,319        1.12%   0.95%
          3,406        1.63%   1.28%     3,806        1.84%   1.74%
          4,717        2.26%   2.92%     4,537        2.19%   2.78%
          2,215        1.06%   1.39%       894        0.43%   0.66%
            608        0.29%   1.32%       861        0.42%   2.17%

        164,796       78.93%   2.20%   157,767       76.12%   2.42%


         11,628        5.57%   0.27%    12,680        6.12%   0.32%
         10,163        4.87%   2.05%    12,199        5.88%   2.50%
          6,443        3.08%   0.99%     7,339        3.54%   1.47%

         28,234       13.52%   0.52%    32,218       15.54%   0.65%

        193,030       92.45%   1.49%   189,985       91.66%   1.65%


         15,762        7.55%   0.58%    17,288        8.34%   0.64%

        208,792      100.00%   1.33%   207,273      100.00%   1.46%


                         361
2021




2


2.5

(2)

(iv)




       2021   12   31
                              193,030   (162,182)   30,848
                                6,084     (3,708)    2,376
                                9,678     (4,010)    5,668


                              208,792   (169,900)   38,892


       2020   12   31
                              189,985   (151,489)   38,496
                                4,674     (2,463)    2,211
                               12,614     (8,943)    3,671


                              207,273   (162,895)   44,378




                        362
2021




2


2.5

(2)

(v)




         2021       2020       2021       2020
       12 31      12 31      12 31      12 31

        104,680     95,896     96,423     89,692
         74,846     78,116     68,373     68,075


        179,526    174,012    164,796    157,767


         33,975     33,859     30,157     31,483




           363
2021




2


2.5

(3)




                               6




                                         2021   2020   12   31



       2021   2020   12   31                     90




                                   364
2021




2


2.5

(4)

(i)




                        1         91        361
                            90     360            3   3


       2021   12   31
                        10,607     12,893     2,939       1,181    27,620
                         2,532     32,096     5,105         833    40,566
                        30,875     26,302    38,614       3,760    99,551


                        44,014     71,291    46,658       5,774   167,737


       2020   12   31
                         8,040     15,841     7,122       2,314    33,317
                         5,160     11,622     9,952       1,507    28,241
                        41,142     43,635    27,192       5,857   117,826


                        54,342     71,098    44,266       9,678   179,384




                                 365
2021




2


2.5

(4)

(i)




                        1         91        361
                            90     360            3   3


       2021   12   31
                         8,585     11,541     1,936       1,024    23,086
                         2,321     31,540     4,319         741    38,921
                        27,379     25,027    37,013       3,589    93,008


                        38,285     68,108    43,268       5,354   155,015


       2020   12   31
                         6,626     11,785     5,262       2,284    25,957
                         4,740      9,299     9,670       1,239    24,948
                        37,284     39,780    26,692       5,604   109,360


                        48,650     60,864    41,624       9,127   160,265




                                 366
2021




2


2.5

(4)

(ii)

                                          2021             2020
                                        12 31            12 31

                                         155,015           160,265
                                           7,851             6,850
                                           4,871            12,269

                                         167,737           179,384
                                          1.07%             1.26%
       3                                 (44,014)          (54,342)

       3                                 123,723           125,042


(5)




                            2021   12    31
           12




            15,207,789       44,401                 –   15,252,190
                     –     210,813                 –      210,813
                     –           –           61,184        61,184
                     –           –           60,718        60,718
                     –           –           86,284        86,284

            15,207,789      255,214           208,186    15,671,189


                      367
2021




2


2.5

(5)

                                                        2020    12   31
                                      12




                                       13,642,318        66,181                 –   13,708,499
                                                –      263,952                 –      263,952
                                                –            –          125,118       125,118
                                                –            –           33,823        33,823
                                                –            –           48,332        48,332


                                       13,642,318       330,133           207,273    14,179,724


       2021   2020        12    31



(6)

       2021   2020         12    31



2.6




       2021   12     31
                                             13            15                          A

                                                  368
2021




2

2.7



                                     A                 A
       2021   12   31

                          5,677          3,177,655          –   3,183,332
                        162,546              2,195          –     164,741
                              –           532,783          –     532,783
                        100,964            230,803    173,810      505,577
                        113,771            108,844     46,730      269,345
                        152,433                  –         –     152,433

                        535,391          4,052,280    220,540    4,808,211



                         69,390           562,376      14,455     646,221
                         47,621            52,336         115     100,072
                         13,744            97,887      47,109     158,740
                         17,275            90,712      39,222     147,209

                        148,030           803,311     100,901    1,052,242

                        683,421          4,855,591    321,441    5,860,453

       2020   12   31

                          6,461          3,026,650          –   3,033,111
                        130,695                  –         –     130,695
                            149            446,888          –     447,037
                         31,229            269,487    123,956      424,672
                         67,834            109,443     39,474      216,751
                        152,433                  –         –     152,433

                        388,801          3,852,468    163,430    4,404,699



                         36,393           503,881      16,338     556,612
                         34,077            31,748           –     65,825
                         10,015           127,643      34,449     172,107
                         13,453            89,307      38,716     141,476

                         93,938           752,579      89,503     936,020

                        482,739          4,605,047    252,933    5,340,719


                               369
2021




2


2.7




                              2021    12   31
           12




                  641,510            41         500      642,051
       A        4,641,482          –             –   4,641,482
       A          223,072        775              –     223,847


                5,506,064        816            500    5,507,380


                              2020    12   31
           12




                  452,851        281            392      453,524
       A        4,360,353          –             –   4,360,353
       A          182,704        123              –     182,827


                4,995,908        404            392    4,996,704




                        370
2021




2

2.8




       2019   1   1




                              2021        2020
                            12 31       12 31



                              63,151         76,313
                               8,683         16,082
                                 553            844
                              13,657         18,487


                              86,044        111,726


                              62,415        110,319


                               2,335          6,330


                             150,794        228,375


2.9

                                       22




                      371
2021




3


3.1




3.2

(1)




       372
2021




3


3.2

(1)




                                  99%
                   1%
       1




                     2021       2020



                   2021                           2020




           17.84     24.53        11.24   13.45     17.87    9.17
           32.99     42.56         9.75   26.61     39.35   11.83
            3.02     11.41         0.30    2.18      6.45    0.18
            3.66     10.77         0.57    6.35     13.76    3.04
           42.22     52.57        19.49   29.56     38.72   16.18




                          373
2021




3


3.2

(1)



                          2021                       2020




                   2.12      7.42      0.80   2.38      4.58   0.75
                   3.24      6.51      1.70   2.72      3.98   0.84
                   0.15      0.44      0.03   0.13      0.38   0.03
                   0.90      4.52      0.00   0.23      1.44   0.00
                   3.95      7.07      2.44   4.01      6.47   2.25



             (i)


                   0.57      2.19      0.09   0.94      2.28   0.23
                   0.72      1.33      0.47   1.10      2.15   0.41
                   0.21      0.50      0.17   0.20      0.30   0.15
                   1.51      3.58      0.90   2.24      4.30   1.37


       (i)




                                 374
2021




3


3.2

(2)




                                   3.3




                        25




                                        2021            2020
                                   12     31       12     31

       25                                (4,351)        (4,107)
       25                                 4,351          4,107




               25                                        178.77
        2020        167.16

                             375
      2021




      3
      3.3



                                                   2021    12       31
                 1            1            3                    1
                              3                1                5        5

                370,446       66,997      141,347           4,187               –       61,839       644,816
              1,994,874        5,249          582             630               –      227,391     2,228,726
                758,329      164,425      283,939          47,392               –        3,328     1,257,413
                      –           –           –              –              –       95,799        95,799




376
              4,036,896    2,760,256    7,587,288         516,235         254,856       166,953    15,322,484


                 26,362       28,697       93,136          50,591         167,964       194,892      561,642
                161,329     308,986      351,443      1,023,935            510,635        33,502    2,389,830
                203,421      42,429      380,675      1,313,316          1,270,988         2,370    3,213,199
                  2,244           –           –             –                 –    1,006,255    1,008,499
              7,553,901    3,377,039    8,838,410     2,956,286          2,204,443     1,792,329   26,722,408

              1,767,330      256,822      570,038        14,176                 258      74,115     2,682,739
                181,247      246,985      509,817        10,833                   –      6,675       955,557
                279,785       55,441       71,048             –                  –      1,493       407,767
                      –           –           –            –                  –     89,151        89,151
             10,253,710    1,451,583    2,941,491     2,978,127              32,521     485,455    18,142,887
                 44,526      264,056      548,592       455,746              69,250       6,508     1,388,678
                  6,067        4,728        8,187        34,226               5,838     646,030       705,076
             12,532,665    2,279,615    4,649,173     3,493,108           107,867      1,309,427   24,371,855
             (4,978,764)   1,097,424    4,189,237         (536,822)      2,096,576      482,902     2,350,553
      2021




      3
      3.3
                                                   2020    12       31
                 1            1            3                    1
                              3                1                5        5

                470,557       92,375      152,489           3,117               –       84,607       803,145
              1,883,236        2,990          489             651               –      189,474     2,076,840
                405,802      167,138      278,759          82,515               –        5,106       939,320
                      –           –           –              –              –      171,738       171,738
              3,696,907    2,476,327    6,603,223         297,793         268,035       506,019    13,848,304




377
                 10,968       48,105       76,626          42,983         169,896       155,971      504,549

               176,317      249,957      253,926        925,422            461,527       40,641     2,107,790
               229,352       71,072      336,105      1,283,662          1,019,905       38,682     2,978,778
                 2,698            –           –             –            14,328      955,169       972,195
              6,875,837    3,107,964    7,701,617     2,636,143          1,933,691     2,147,407   24,402,659

              1,150,797      250,707      192,966         5,518                   –    317,015     1,917,003
                309,560      114,713      428,370        28,230                   –      6,938       887,811
                247,076      102,269       61,627             6                   –        971       411,949
                      –           –           –            –                  –    212,052       212,052
              9,697,626    1,333,837    2,582,012     2,817,528               1,698     446,470    16,879,171
                 75,317      201,662      450,653       461,129              49,612       6,030     1,244,403
                 28,026       17,655        5,385         8,566              22,808     604,993       687,433
             11,508,402    2,020,843    3,721,013     3,320,977              74,118    1,594,469   22,239,822
             (4,632,565)   1,087,121    3,980,604         (684,834)      1,859,573      552,938     2,162,837
2021




3

3.4




                                               3.2




                                                          *
                   2021          2020        2021       2020
                 12 31         12 31       12 31      12 31

           +1%        424           450         726        620
           +1%        (89)         (181)      2,289      2,340

       *


                          1%




                   378
      2021




      3
      3.4
             2021   2020   12    31


                                                              2021      12   31



                       329,908          206,607      25,262    35,395               8,371     12,453     26,820       644,816
                     1,495,927          441,169      37,244    99,077              26,565     83,179     45,565     2,228,726
                       691,140          475,833      24,126    16,139                 341        910     48,924     1,257,413
                        46,853           23,782       2,533     2,594               3,017      6,908     10,112        95,799




379
                    12,418,293        1,219,684   1,060,054   213,634               9,455     69,951    331,413    15,322,484



                      431,627           61,017      64,443      3,405                 874        31        245       561,642


                     1,451,346         492,925     183,066     29,173         140,349          3,842     89,129     2,389,830

                     2,893,923         247,294      12,571      9,631               5,291      3,406     41,083     3,213,199
                       311,401         174,209     220,831      2,728               1,091      2,188    296,051     1,008,499
                    20,070,418        3,342,520   1,630,130   411,776             195,354    182,868    889,342    26,722,408

                     1,614,433          649,129      48,540    34,472              12,083     27,625    296,457     2,682,739
                       880,695           36,232      19,606    13,329                   –        86      5,609       955,557
                       151,620          220,939      11,267    14,686               4,987      2,066      2,202       407,767
                        48,915           20,620       2,054     2,433                 344      7,286      7,499        89,151
                    14,148,220        1,765,005   1,311,343   304,900              49,367     77,964    486,088    18,142,887
                     1,135,020          205,952       3,833    28,889                   –     3,486     11,498     1,388,678
                       297,041          111,860     265,626     2,191                 345        588     27,425       705,076
                    18,275,944        3,009,737   1,662,269   400,900              67,126    119,101    836,778    24,371,855
                     1,794,474         332,783     (32,139)    10,876          128,228        63,767     52,564     2,350,553
                       161,015        (214,771)    264,127      1,674         (124,423)      (61,853)   (10,169)       15,600
                     3,835,534         820,586     244,161    148,553            8,275        54,606    109,439     5,221,154
      2021




      3
      3.4
                                                   2020      12   31



                548,932      132,751      20,782    61,642               7,101      4,215     27,722       803,145
              1,500,346      316,938      61,418    81,789              30,084     44,252     42,013     2,076,840
                555,349      298,944      22,861    18,663                 478        940     42,085       939,320
                 97,475       44,134       3,479       738                 987      9,344     15,581       171,738
             11,024,110    1,106,377   1,010,120   258,468              11,076     62,829    375,324    13,848,304




380
               363,018       51,870      82,795      6,476                 316        23          51      504,549


              1,280,223     449,963     127,357     31,950         130,392          2,851     85,054     2,107,790

              2,723,069     199,575       2,370      9,628               6,065      3,993     34,078     2,978,778
                317,767     183,732     219,734      2,466               1,417      2,346    244,733       972,195
             18,410,289    2,784,284   1,550,916   471,820             187,916    130,793    866,641    24,402,659

              1,035,286      539,174      43,097    43,770              14,301     10,988    230,387     1,917,003
                576,601      277,062      12,918    13,487                   –       341      7,402       887,811
                137,784      215,247      13,729    28,757              12,204      2,247      1,981       411,949
                139,398       46,493       4,474       947                 874      9,720     10,146       212,052
             13,003,027    1,651,454   1,318,279   306,229              50,656     72,230    477,296    16,879,171
                968,665      218,950       8,617    31,980               1,896        311     13,984     1,244,403
                293,844      105,317     267,904     3,207                 300      1,109     15,752       687,433
             16,154,605    3,053,697   1,669,018   428,377              80,231     96,946    756,948    22,239,822
              2,255,684    (269,413)   (118,102)    43,443          107,685        33,847    109,693     2,162,837
               (541,681)    392,537     347,658    (31,366)        (107,293)      (32,709)   (50,662)      (23,516)
              3,160,861     761,848     255,166    142,505           10,679        52,715    107,899     4,491,673
2021




4




4.1




       381
      2021




      4
      4.2



                                                      2021      12   31
                                           1           1                  3             1
                                                       3                      1         5      5

                     –     269,794      162,489      66,998           141,348         4,187           –       644,816
             1,488,390      717,908       15,952       5,258               273           945           –     2,228,726
                   863            –     721,152     159,065           309,098        67,235           –     1,257,413
                     –       9,765       12,558      15,998            27,189        24,500       5,789         95,799




382
                36,911      236,595      648,963     968,575         3,176,279     4,236,421   6,018,740     15,322,484



              195,025              –     26,323      27,647              90,475     52,874     169,298        561,642


                24,515             –    118,945     288,848          369,793      1,057,866    529,863       2,389,830

                2,794             –      32,492      44,163          382,282      1,466,314   1,285,154      3,213,199
              362,964       479,476       24,765      10,745           19,233         78,603      32,713      1,008,499
             2,111,462     1,713,538    1,763,639   1,587,297        4,515,970     6,988,945   8,041,557     26,722,408

                     –    1,755,054       86,387     256,824          570,040        14,176          258     2,682,739
                     –       60,448      110,267     247,523          515,964        21,355            –      955,557
                     –            –     274,022      58,425           72,598         2,566          156       407,767
                     –        6,235       10,648      13,846           27,073        25,003        6,346        89,151
                     –    9,147,933    1,575,342   1,446,767        2,946,788     2,993,520       32,537    18,142,887
                     –            –      26,122     237,121          572,062       483,716       69,657     1,388,678
                     –      330,167       45,234      12,783          111,628       117,853       87,411       705,076
                     –   11,299,837    2,128,022   2,273,289        4,816,153     3,658,189    196,365      24,371,855
             2,111,462    (9,586,299)   (364,383)   (685,992)         (300,183)    3,330,756   7,845,192      2,350,553
      2021




      4
      4.2
                                                      2020      12   31
                                           1           1                  3             1
                                                       3                      1         5      5

                    21      286,447      265,996       93,556          154,008         3,117           –       803,145
             1,452,254      549,551       39,355        5,709           28,669         1,302           –     2,076,840
                   377            –     397,698      154,029          286,481       100,735           –       939,320
                     –      13,312       22,621       31,423           62,752        31,551      10,079        171,738
                46,580      191,481      435,364    1,288,350        2,778,252     3,744,008   5,364,269     13,848,304




383
              154,836              –     10,521      47,105              77,423     44,679     169,985        504,549


                23,481             –    137,987     217,198          284,963       973,389     470,772       2,107,790

                2,805             –      50,431      80,052          358,189      1,443,948   1,043,353      2,978,778
              356,200       454,701       19,792      17,044           19,930         75,503      29,025        972,195
             2,036,554     1,495,492    1,379,765   1,934,466        4,050,667     6,418,232   7,087,483     24,402,659


                     –    1,351,541       70,855     271,019          217,441         6,056           91     1,917,003
                     –      216,844       79,518     117,114          434,833        39,502            –      887,811
                     –            –     244,199     100,330           62,324         4,940          156       411,949
                     –        9,479       24,395      34,122           95,255        35,127       13,674       212,052
                     –    8,521,036    1,528,697   1,354,270        2,596,276     2,871,178        7,714    16,879,171
                     –            –      67,004     186,305          461,388       470,415       59,291     1,244,403
                     –      329,254       58,677      15,215          112,493        95,681       76,113       687,433
                     –   10,428,154    2,073,345   2,078,375        3,980,010     3,522,899    157,039      22,239,822
             2,036,554    (8,932,662)   (693,580)   (143,909)             70,657   2,895,333   6,930,444      2,162,837
2021




4

4.3




                                                2021 12 31
                                   1             1            3              1
                                                 3                1          5        5


               –    269,794      163,262         67,535      143,290        4,814            –   648,695
       1,488,390     717,908       15,954          5,266          314        1,075            – 2,228,907
             863           –     728,832        160,886      309,219       67,470            – 1,267,270
          37,022     249,018      685,412      1,067,915    3,574,376    5,738,229    8,802,462 20,154,434




        195,072             –     26,549        28,825       98,009       81,079         201,142     630,676




          24,516            –    121,764       295,793      409,798     1,182,096        599,007   2,632,974

           2,803           –      37,819        59,141      453,319     1,719,551    1,557,672     3,830,305
          10,572     189,707       18,298         2,545        5,473         4,461       20,076       251,132

       1,759,238    1,426,427    1,797,890     1,687,906    4,993,798    8,798,775 11,180,359 31,644,393

               –   1,755,054       87,253       261,047      583,450       14,696            270 2,701,770
               –      60,448      112,678       254,341      530,432       22,088              –   979,987
               –           –     274,120        58,791       73,199        2,581            210    408,901
               –   9,148,053    1,594,013     1,484,679    3,085,322    3,332,459         39,180 18,683,706
               –           –      26,607       238,108      590,211      532,098         79,913 1,466,937
               –     265,184       26,363         5,686        6,511       31,728         20,892    356,364

               – 11,228,739     2,121,034     2,302,652    4,869,125    3,935,650        140,465 24,597,665



               –       3,564          (161)      (1,006)      (1,913)      (1,959)          176       (1,299)


               –     159,680 2,441,453 1,426,255 2,339,707               375,388          28,969 6,771,452
               –    (159,592) (2,439,349) (1,421,922) (2,337,871)       (373,166)        (28,726) (6,760,626)



                                   384
2021




4


4.3

                                               2020 12 31
                                  1             1           3              1
                                                3               1          5        5



              21    286,457      266,397         93,837     154,977        3,288            –   804,977
       1,452,254    549,550       39,359          5,717      28,717        1,501            – 2,077,098
             377          –     397,904        157,799     292,606      103,768            –   952,454
          48,824    191,668      460,253      1,366,761   3,268,668    4,948,258    7,546,587 17,831,019




        154,788            –     11,227        48,200      82,092       72,271         186,921     555,499




         23,454            –    140,321       221,633     310,952     1,055,733        496,895    2,248,988

          2,848           –      54,838        95,601     431,641     1,686,591    1,254,753      3,526,272
            478     209,038       16,621         3,870       7,694         1,304       15,546        254,551


       1,683,044   1,236,713    1,386,920     1,993,418   4,577,347    7,872,714    9,500,702 28,250,858


              –   1,351,587       70,933       271,618     218,500        6,297             92 1,919,027
              –     216,855       79,668       117,556     439,242       42,181              –   895,502
              –           –     244,338       100,902      62,781        5,020            217    413,258
              –   8,521,187    1,531,786     1,363,503   2,622,000    3,055,634          8,337 17,102,447
              –           –      67,194       187,282     466,814      515,009         61,165 1,297,464
              –     258,397       43,428        11,667      13,519       45,160         26,416    398,587


              – 10,348,026     2,037,347     2,052,528   3,822,856    3,669,301         96,227 22,026,285



              –       3,588          (468)         93       (2,122)      (7,056)          (992)      (6,957)



              –      67,900 1,980,710 1,476,508 3,001,639              399,425          16,953 6,943,135
              –     (67,840) (1,980,277) (1,478,891) (3,032,559)      (395,345)        (16,949) (6,971,861)




                                  385
2021




4

4.4




                                   1      1      5      5

       2021   12         31
                   (1)
                              2,141,055       791,299   328,580   3,260,934
                              1,343,107       382,853   234,260   1,960,220


                              3,484,162   1,174,152     562,840   5,221,154


                                18,041         20,597        8      38,646


                              3,502,203   1,194,749     562,848   5,259,800


       2020   12         31
                   (1)
                              1,874,449       623,766   241,397   2,739,612
                              1,183,873       307,349   260,839   1,752,061


                              3,058,322       931,115   502,236   4,491,673


                                25,717         27,162        5      52,884


                              3,084,039       958,277   502,241   4,544,557


       (1)                                                           40.7




                                   386
2021




5


5.1




         4.00%–45.64%   2.55%–13.87%   0.06
       0.84




                                  387
2021




5


5.1

                    2021      12   31




         2,373      93,426                  –      95,799


             –    355,600                  –     355,600



         8,904     321,437              26,121     356,462
        25,618       2,350              74,300     102,268
        29,208      27,573              46,131     102,912




       385,049    1,977,034                995    2,363,078
         7,774       10,323              8,655       26,752
             –       1,240             18,314       19,554



             –        (162)                 –        (162)
             –     (31,311)                 –     (31,311)
             –        (315)                (2)        (317)
        (1,945)     (10,513)                 –     (12,458)
        (1,961)     (87,190)                 –     (89,151)




          388
2021




5


5.1

                    2020      12   31




         3,083     168,655                  –    171,738


             –    363,637                  –    363,637



         2,960     323,402              20,881    347,243
         7,570      12,901              67,554     88,025
        20,961       5,362              42,958     69,281




       296,234    1,788,755              1,373   2,086,362
         7,005        9,692              4,731      21,428
             –       1,441             20,624      22,065



             –     (3,831)                 –     (3,831)
             –    (25,742)                 –    (25,742)
             –     (6,162)                 –     (6,162)
          (576)    (17,336)                 –    (17,912)
        (3,539)   (208,513)                 –   (212,052)




          389
2021




5
5.1




       2021 1 1            –         20,881            67,554        42,958           1,373         4,731       20,624              –

                           –            413               493         2,954               –            –        (200)             –
                           –              –                –            –            (57)           37            –             –
                           –           (355)           (4,576)       (7,489)           (283)            –      (1,324)             –
                           –          5,202            15,029         7,920               –        3,944          479              –
                           –              –                –            –              –            –           –             –
                           –              –                –            –              –            –           –            (2)

                           –              –           (4,200)               –              –         –         296              –
                           –            (20)                –            (212)            (38)       (57)      (1,561)             –
       2021 12 31          –         26,121            74,300        46,131                995      8,655       18,314             (2)




                           –           413               330             2,686               –            –     (159)             –




       2020 1 1                 10        15,948                 71,716            38,936          1,676         5,275          20,778

                            122              (698)                  754            (1,598)            –             –         (1,426)
                              –                –                    –                –          161            289               –
                              –           (1,534)               (6,515)           (3,301)         (359)             –            (15)
                              –            6,074                14,292             9,043             –           750           1,398
                              –               (1)                    –                –            –             –              –

                           (132)                –           (12,693)                  –             –         (1,467)          674
                              –            1,092                  –               (122)          (105)           (116)         (785)
       2020 12 31                –       20,881                 67,554            42,958          1,373         4,731          20,624



                                 –             (844)              756             (1,676)             –             –        (1,427)

            2021    2020                                                              2021           2020        12        31



                                                           390
2021




5


5.1




                                    2021                             2020



                              390     3,270      3,660         223    (3,069)   (2,846)


       2021    2020



                                                         10%
                      19.09
       26.67


5.2




                                           391
2021




5


5.2




                           2021     12   31            2020   12   31




                   (1)
                         3,206,895       3,262,525   2,970,277     2,989,266



             (2)
                         1,388,361       1,395,242   1,238,241     1,144,440


       (1)




       (2)




                              392
2021




5


5.2




                  2021   12   31




       99,809   2,963,747          3,557   3,067,113



           –   1,395,242             –   1,395,242


                  2020   12   31




       96,766   2,694,018          3,055   2,793,839



           –   1,144,440             –   1,144,440




         393
2021




6




       9.00%   10.00%   12.00%




                                 394
2021




6




       395
2021




6


                   (1)




                           2021         2020
                         12 31        12 31


                           11.30%       11.28%
                           13.32%       13.19%
                           16.53%       16.22%




                         1,870,301    1,730,401
                           294,388      294,388
                           133,951      134,221
                           212,602      192,251
                           303,084      267,856
                           888,419      803,823
                            33,669       32,567
       (2)
                            4,188        5,295


                           (26,415)     (25,623)


                              (182)        (182)
                           (16,393)     (15,140)
                                 –          (8)


                            (9,785)      (9,838)


                         1,843,886    1,704,778




             396
2021




6


                     2021         2020
                   12 31        12 31


                     329,845      287,843
                     119,550      147,519
                     199,955      129,971
                      10,340       10,353


                    2,173,731    1,992,621


                     525,108      458,434
                     387,746      333,381
                     128,114      115,627
                       9,248        9,426


                    2,698,839    2,451,055


                   16,323,713   15,109,085


       (1)




       (2)




             397
2021




7




       398
                  2021   2020         2021   2020   12
    31




1


                                   2021        2020
                                 12 31       12 31

                                   49.63%       54.50%


                                   69.90%       58.57%




         (1)




               100%




                           399
1




                             (2)
    2017                                          2021
                                        (3)
              92                              127.61%
           2.99


                                        2021



                   127.61%         124.62%      127.51%   133.30%




                      400
1




                                    (3)
         2021




    1                                 4,594,486



    2                  8,584,274        620,119
    3                  4,628,548        224,546
    4                  3,955,726        395,573
    5                 10,186,586      3,804,281
    6                  5,692,939      1,397,907
    7                  4,436,579      2,349,306
    8                     57,068         57,068
    9                                       672
    10                 3,276,987      2,027,702
    11                 1,915,551      1,915,551
    12                         –             –
    13                 1,361,436        112,151
    14                    79,935         79,935
    15                 3,206,011         93,610
    16                                6,626,319


    17                   485,026        117,279
    18                 1,482,599        855,523
    19                 2,178,684      2,047,551
    20                 4,146,309      3,020,353


    21                                4,594,486
    22                                3,605,966
    23                                    127.61%


                401
1




    (1)
                                                         30

    (2)


    (3)




                  (1)




                        100%




                                       (2)
    2021                                                      122.21%
    0.88                 2021                                      121.33%
           0.11

                                                        2021


                                (3)
                                      122.21%      121.33%      121.22%      123.29%

    (1)


    (2)


    (3)


                                             402
1



         2021



                                   <6         6–12            ≥1


    1                   –               –           –   2,604,093       2,604,093
    2                   –               –           –   2,586,093       2,586,093
    3                   –               –           –      18,000          18,000
    4
                4,334,300      4,842,101         53,469       6,456        8,555,486
    5           2,142,470      2,687,031         13,439       2,516        4,603,309
    6           2,191,830      2,155,070         40,030       3,940        3,952,177
    7           6,183,465      6,187,800      1,020,579     462,606        5,991,321
    8           5,696,346        172,982              –          –       2,934,664
    9             487,119      6,014,818      1,020,579     462,606        3,056,657
    10                  –             –             –          –               –
    11             68,499        219,383          4,392     407,896          313,011
    12
                                                             97,081
    13
                   68,499          219,383        4,392     310,815          313,011
    14                                                                    17,463,911


    15
                                                                            759,186
    16
                 147,865           4,705              –         –           76,285
    17            75,073       5,084,932      2,228,720 10,582,731        11,894,558
    18

                        –         293,010            –             –       29,301
    19

                   75,073      1,433,122        304,940      69,162         447,863
    20




                        –     2,911,282      1,702,685    5,363,951       6,763,085

                             403
1



         2021



                                       <6         6–12            ≥1


    21
                35%         –         219,860       24,550       31,881       47,673
    22                      –          98,499       98,971    4,597,223    3,948,278
    23
                35%         –           6,657        6,810     290,479      195,545
    24



                            –         349,019      122,124     552,395       706,031
    25                      –               –           –          –            –
    26                752,153          100,861       19,076     527,347     1,258,102
    27
                      285,887                                                243,004
    28


                                                                    435          370
    29
                                                                103,898        6,817
    30                                                           19,416*      19,416
    31
                      466,266          100,861       19,076      423,014      988,495
    32                                                         7,419,366      302,271
    33                                                                     14,290,402

    34                                                                       122.21%


    *
                                  26




                                 404
1



         2021



                                   <6         6–12            ≥1


    1                   –               –           –   2,490,030       2,490,030
    2                   –               –           –   2,472,030       2,472,030
    3                   –               –           –      18,000          18,000
    4
                4,250,419      4,815,806         53,104      17,445        8,456,230
    5           1,957,994      2,655,335         14,440       6,746        4,403,127
    6           2,292,425      2,160,471         38,664      10,699        4,053,103
    7           5,860,537      6,398,752        911,926     498,314        5,786,066
    8           5,414,042        108,334              –          –       2,761,188
    9             446,495      6,290,418        911,926     498,314        3,024,878
    10                  –             –             –          –               –
    11             56,128        206,180          4,479     405,356          309,724
    12
                                                             97,871
    13
                   56,128          206,180        4,479     307,485          309,724
    14                                                                    17,042,050


    15
                                                                            675,604
    16
                 186,473           1,979              –         –           94,226
    17            46,539       5,112,083      2,254,618 10,429,932        11,765,087
    18

                        –         417,569            –             –       41,757
    19

                   46,539      1,312,245        323,510      66,470         432,043
    20




                        –     3,010,264      1,679,453    5,273,588       6,708,858


                             405
1



         2021



                                       <6         6–12            ≥1


    21
                35%         –         234,243       28,312       24,249       43,027
    22                      –          97,853       98,102    4,508,548    3,873,376
    23
                35%         –           6,668        6,734     284,333       191,518
    24



                            –         274,152      153,553     581,326       709,053
    25                      –               –           –          –            –
    26                720,647           59,432        6,582     580,030     1,226,206
    27
                      249,356                                                 211,952
    28


                                                                    387          329
    29
                                                                103,514         5,643
    30                                                           19,574*       19,574
    31
                      471,291           59,432        6,582      476,129       988,708
    32                                                         7,024,290      285,014
    33                                                                     14,046,137

    34                                                                       121.33%


    *
                                  26




                                 406
2




    2021   12   31
                     4,217,661     1,693,178     1,954,742     7,865,581
                     (3,957,140)   (1,956,893)   (1,781,566)   (7,695,599)
                      4,431,956       740,015     1,322,061     6,494,032
                     (4,650,892)    (485,197)    (1,516,624)   (6,652,713)
                *           853          (32)        (2,194)       (1,373)


                        42,438         (8,929)     (23,581)        9,928


                        72,622       228,897        87,567       389,086


    2020   12   31
                     3,695,294     1,607,291     1,945,381     7,247,966
                     (4,029,848)   (1,964,590)   (1,736,612)   (7,731,050)
                      4,944,883       760,105     1,313,088     7,018,076
                     (4,546,040)    (420,572)    (1,536,300)   (6,502,912)
                *      (19,306)         (364)        (6,615)     (26,285)


                        44,983       (18,130)      (21,058)        5,795


                        61,978       233,953        79,913       375,844


    *




                           407
3


                        2014     160




                          10%




    2021   12   31


                      926,064     256,068    729,546    1,911,678
                       76,221       4,889    460,784      541,894
                      118,247     181,367    413,635      713,249


                     1,120,532    442,324   1,603,965   3,166,821


                      116,742     240,651    278,585     635,978
                      238,323      86,339    303,990     628,652


                     1,475,597    769,314   2,186,540   4,431,451




                          408
3




    2020   12   31


                      675,133    236,529    702,641    1,614,303
                       40,671        214    442,402      483,287
                       97,249    166,292    417,733      681,274


                      813,053    403,035   1,562,776   2,778,864


                       81,312    233,162    173,112     487,586
                      201,540     63,838    283,718     549,096


                     1,095,905   700,035   2,019,606   3,815,546




                          409
4




4.1


                               2021          2020
                             12 31         12 31



      3                        44,014        54,342
      3 6                      20,298        24,001
      6 12                     50,993        47,097
      12                       52,432        53,944


                              167,737       179,384



      3                         0.28%        0.38%
      3 6                       0.13%        0.17%
      6 12                      0.33%        0.33%
      12                        0.33%        0.38%


                                1.07%         1.26%


4.2

               2021   2020     12     31




             410
5



                          (1)




                                2021
        12    31      9    30           6    30      3     31

         2,173,731    2,111,813         2,058,220    2,014,251
        28,425,377   27,820,891        27,861,068   27,344,497


             7.65%        7.59%             7.39%         7.37%


                                                      2021
                                                    12 31


    1                                               26,722,408
    2                                                 (447,590)
    3                                                        –
    4                                                  133,390
    5                                                  153,703
    6                                                1,889,881
    7                                                    (26,415)


    8                                               28,425,377




              411
5

                  2021
                12 31

    1           25,674,481
    2              (26,415)


    3           25,648,066
    4               95,847
    5              133,316
    6                    –
    7                    –
    8
                          –
    9                    82
    10                   (8)


    11             229,237
    12             504,490
    13                   –
    14             153,703
    15                   –


    16             658,193
    17           5,705,795
    18          (3,815,914)


    19           1,889,881
    20           2,173,731
    21          28,425,377


    22              7.65%


    (1)




          412
6



          [2014]1



                    (1)
                                    2021


    1                            28,521,651
    2                             2,372,647
    3                             2,983,029
    4                             4,449,968
    5                           665,682,257
    6                            11,777,333
    7                             2,174,703
    8                             3,141,591
    9                             1,140,731
    10                           10,888,369
    11                            1,086,588
    12                               93,107
    13                            4,415,941
    14                            3,801,847

    (1)




                          413
7   2020


                       [2020]289




           (1)
                                       2020


    1                               25,370,714
    2                                2,853,180
    3                                2,885,960
    4                                1,711,262
    5                              618,018,673
    6                                9,847,839
    7                                3,784,824
    8                                      451
    9                                   32,742
    10                                  10,489
    11                              12,453,130
    12                                 957,698
    13                                 550,421
    14                                 670,782
    15                                 718,122
    16                               7,931,434

    (1)




                 414
2022

2021                                       2022       3   29
2021                                       2022       4                        H
2022                                                           2022   8   30




              2021                               10   2.21
2021




                 2006   6   1       2006    7     5


                        2019    7   17
               2019   9 17
           2020 3 5




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




            1,197,865,300
                      1,000,000,000
                      197,865,300




                                           415
      2021                       12   31                   8,349.53                   2021
    12 31    A       H                          2021    12 31
    100          = 81.76




A                    2021   12   31
                     3.05                       3.38                  2.96
H                    2021   12   31
                     2.81                       3.17                  2.59




A                                                   H

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



                                          3                                           4
                                 360033                                      360035
                                 AZ8714182                                   ZQ0362264



                                 BOC 20USDPREF
                                 4619
                                 4619.HK
                                 BG2289661




                                              416
A                                      H

                           188                                183   17M
    (86) 21-4008 058 058                    (852) 2862 8555
                                            (852) 2865 0990




                           188
    (86) 21-4008 058 058




                                       A
                                       A1
                                       A




                                 417
                               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




                                     418
                                                                                                                       股東大會


                                                                                     董事會                                         監事會



                                                                      董事會秘書部                               高級管理層                         監事會辦公室


                                                                        審計部


                                                                                                                                                                       境內外分支機構及
                                                   總行部門及直屬機構
                                                                                                                                                                         綜合經營公司




                                                                                                                                                                                               中國香港澳門台灣及
       上海人民幣交易                                                                                                                         中國內地機構
                             公司金融部                  風險管理部                  研究院               銀行卡中心                                                                           其他國家和地區機構
           業務總部
                                                                              巡視工作領導小組
           辦公室          行政事業機構部                信用審批部                                    信息科技運營中心
                                                                                    辦公室

         人力資源部         金融機構部                   授信管理部               安全保衞部               軟件中心
                                                                                                                                   商業銀行                  綜合經營公司                 商業銀行           綜合經營公司
                             交易銀行部            內控與法律合規部                黨務工作部            國際結算單證
        全球化辦公室
                                                                                 (企業文化部)            處理中心




419
         全面深化改革      普惠金融事業部          渠道與運營管理部                                     北京高級研修院
       領導小組辦公室    (鄉村振興金融部)                                       工會工作部                                        一級分行、                中銀保險                    中銀香港           中銀國際控股
                                                         信息科技部                                     上海高級研修院              直屬分行,
                                                                                 離退休幹部部                                       二級分行及
         教育發展部        個人數字金融部                                                                                                                中銀三星人壽                     香港分行           中銀集團投資
                                                                                                                                  基層分支機構
                                                       企業級架構建設
         財務管理部         消費金融部                     辦公室                    總務部                直屬機構                                           中銀基金                    澳門分行           中銀集團保險
                                                                                                                                   中銀富登

       資產負債管理部       全球市場部                   支付清算部                                                                                           中銀理財           大豐銀行股份有限公司          中銀人壽

       數字資產管理部        投資銀行                                                                                                                         中銀證券註                  台北分行           中銀航空租賃
                           與資產管理部
          股權投資                                                                                                                                                                  其他國家的分行、
                                                                                                                                                              中銀資產
      與綜合經營管理部       託管業務部                                                                                                                                             子公司、代表處

                                                                                                                                                              中銀金租

                                            總行部門                                                                                                     中銀消費金融

                                                                                                                                                              中銀金科




                                                                                              33.42%
                             1
SWIFT    BKCHCNBJ                                          12                148
        (86) 010-66596688             SWIFT    BKCHCNBJ880         SWIFT    BKCHCNBJ940
        (86) 010-66016871                     (86) 0471-4690128            34116BOCJSCN
              100818                          (86) 0471-4690001            (86) 025-84207888
        www.boc.cn                                010010                   (86) 025-84200407
                                                                               210005




   2               A   C     E                  253                                             321
SWIFT    BKCHCNBJ110                  SWIFT    BKCHCNBJ810         SWIFT    BKCHCNBJ910
        (86) 010-85121491                     (86) 024-22810916            (86) 0571-85011888
        (86) 010-85121739                     (86) 024-22857333            (86) 0571-87074837
              100010                              110013                       310003




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



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



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



                                                      420
                             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




               219                                   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) 020-83344066                                                         750002
            510180




                                                     421
                             1
SWIFT     BKCHCNBJ760                              9
                                                                    200                   39
        (86) 0991-2328888        SWIFT     BKCHCNBJ81A
                                         (86) 0411-82586666       (86) 021-20328000
        (86) 0991-2825095
                                         (86) 0411-82637098       (86) 021-58883554
             830002
                                              116001                    200120
                                                                        admindiv.china@bocichina.com
                                                                  www.bocichina.com

        218
                                           40
SWIFT BKCHCNBJ59A
     (86) 023-63889234
                                 SWIFT     BKCHCNBJ73A
     (86) 023-63889217
                                         (86) 0592-5317519              110     9
          400013
                                         (86) 0592-5095130
                                                                  (86) 010-57765000
                                              361012
                                                                  (86) 010-57765550
                                                                        100032
                                                                  www.bocfullertonbank.com
        2022
SWIFT     BKCHCNBJ45A                       149
        (86) 0755-22331155       SWIFT     BKCHCNBJ220
        (86) 0755-22331051               (86) 0312-5988023
             518001                      (86) 0312-5557047
                                              071700                    110     9
                                                                  (86) 010-83262688
                                                                  (86) 010-83262777
                                                                        100032
     128
                                               110 9 10 11        www.boc-samsunglife.cn
SWIFT BKCHCNBJ95B
     (86) 0512-67555898                  (86) 010-83260001
     (86) 0512-65112719                  (86) 010-83260006
                                              100032
          215028
                                         www.bocins.com

                                                                        110     8
                                                                  (86) 010-83262479
                                                                  (86) 010-83262478
      255            318
                                            200            45           100032
3–18   48–49
                                         (86) 021-38834999
SWIFT BKCHCNBJ92A                                                       boc@boc.com
                                         (86) 021-68873488
      (86) 0574-55555099                      200120
           315100                        www.bocim.com


                                                                                               6
                                                                    8     11   12

        59                                  200            1409   (86) 010-83937333
SWIFT BKCHCNBJ50A                        (86) 021-63291722        (86) 010-83937555
     (86) 0532-85979700                  (86) 021-63291789              100033
     (86) 0532-67755601                       200120              https://www.bocwm.cn
            266071                            zyxf@boccfc.cn
                                         www.boccfc.cn


                                                422
                                                         131
  288                               (86) 023-63031966
(86) 021-20408162                   (86) 023-63031966
(86) 021-38973713                       400010
    201201                              boc@bankofchina.com
www.ntechboc.com




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



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


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




                                          423
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,                    Jl. JENDRAL
SWIFT    BKCHSGSGXXX                   MALAYSIA                               SUDIRMAN KAV.24,
        (65) 67795566                  SWIFT    BKCHMYKL                      JAKARTA SELATAN, 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
                                                                                          cs@bankofchina.co.id
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




                                                      424
                                                                                       SYDNEY BRANCH
BANK OF CHINA                                BANK OF CHINA
(HONGKONG) LIMITED                           (HONGKONG) LIMITED                        GROUND FLOOR,
HOCHIMINH CITY BRANCH                        BRUNEI BRANCH                             140 SUSSEX STREET,
                                                                                       SYDNEY NSW 2000,
GROUND & 11TH FL,                            KIARONG JAYA KOMPLEK,                     AUSTRALIA
TIMES SQUARE BUILDING,
                                             LOT NO. 56244, SIMPANG 22,                SWIFT    BKCHAU2S
22–36 NGUYEN HUE STREET,
                                             JALAN DATO RATNA,                                 (61) 282355888
DISTRICT 1,
                                             KAMPONG KIARONG,                                  (61) 292621794
HOCHIMINH CITY,
                                             BANDAR SERI                                         banking.au@bankofchina.com
VIETNAM
SWIFT BKCHVNVX                               BEGAWAN BE1318,                                   www.bankofchina.com/au
        (84) 2838219949                      BRUNEI DARUSSALAM
        (84) 2838219948                      SWIFT    BKCHBNBB
           service.vn@bankofchina.com                (673) 2459888                     BANK OF CHINA
        www.bankofchina.com.vn                       (673) 2459878                     (AUSTRALIA) LIMITED


                                                                                       GROUND FLOOR,
                                                                                       140 SUSSEX STREET,
BANK OF CHINA
                                             BANK OF CHINA                             SYDNEY NSW 2000,
(HONGKONG) LIMITED
                                             (HONGKONG) LIMITED                        AUSTRALIA
MANILA BRANCH
                                             YANGON BRANCH                             SWIFT    BKCHAU2A
28/F. THE FINANCE CENTER                                                                       (61) 282355888
26th STR. Cor. 9th AVE., BGC                 ZONE B, 1ST FLOOR, GOLDEN                         (61) 292621794
TAGUIG CITY,                                 CITY BUSINESS CENTER,                               banking.au@bankofchina.com
METRO MANILA                                 YANKIN ROAD, YANKIN                               www.bankofchina.com/au
PHILIPPINES                                  TOWNSHIP, YANGON
SWIFT BKCHPHMM                               REGION, MYANMAR
       (63) 282977888                        SWIFT    BKCHMMMY                         BANK OF CHINA
       (63) 288850532                                (95) 19376130                     (NEW ZEALAND) LIMITED
        customercare_ph@ bank-of-china.com           (95) 19376142
                                                         bocyangon@bochk.com           LEVEL 17, TOWER 1,
                                                                                       205 QUEEN STREET,
BANK OF CHINA                                                                          AUCKLAND, 1010,
(HONGKONG) LIMITED                                                                     NEW ZEALAND
VIENTIANE BRANCH                             BANK OF CHINA                             SWIFT    BKCHNZ22
                                             (HONG KONG) LIMITED                               (64) 99809000
NO.A1003–A2003,                             REPRESENTATIVE OFFICE                             (64) 99809088
VIENTIANE CENTER,                            IN HANOI                                            service.nz@bankofchina.com
KHOUVIENG ROAD,
                                                                                               www.bankofchina.com/nz
NONGCHAN VILLAGE,                            18 FLOOR, NO.1 TOWER,
SISATTANAK DISTRICT,                         CAPITAL PLACE BUILDING,
VIENTIANE CAPITAL,
                                             29 LIEU GIAI STREET,
LAO P.D.R.
                                             NGOC KHANH WARD,
SWIFT BKCHLALAXXX
                                             BA DINH DISTRICT,
      (856) 21228888
                                             HA NOI, VIET NAM
      (856) 21228880
         service.la@bankofchina.com                  (84) 909009222
      www.bankofchina.com.la                           service.hn@bankofchina.com.vn


                                                             425
AUCKLAND BRANCH                        MUMBAI BRANCH
                                                                              BANK OF
LEVEL 17, TOWER 1,                     41-B, 4TH FLOOR,
                                                                              CHINA TURKEY A.S.
205 QUEEN STREET,                      4 NORTH AVENUE,
                                       MAKER MAXITY,
AUCKLAND, 1010,
                                       BANDRA KURLA COMPLEX,                  BUYUKDERE CAD.NO                  209,
NEW ZEALAND
                                       BANDRA EAST, MUMBAI,                   TEKFEN TOWER K.21,
SWIFT BKCHNZ2A
                                       INDIA                                  343944. LEVENT/
      (64) 99809000                    SWIFT BKCHINBB
      (64) 99809088                                                           SISLI-ISTANBUL
                                              (91) 2268246666
         service.nz@bankofchina.com                                           TURKEY
                                              (91) 2268246667
      www.bankofchina.com/nz                    bocmumbai@bankofchina.com     SWIFT     BKCHTRIS
                                                                                       (90) 2122608888
                                                                                       (90) 2122798866
JSC AB (BANK OF CHINA                  DUBAI BRANCH                                      contact@bankofchina.com.tr
KAZAKHSTAN)                                                                            www.bankofchina.com.tr
                                       LEVEL 11 TOWER 2,
                                       AL FATTAN CURRENCY HOUSE
71B, MICRODISTRICT
                                       DUBAI INTERNATIONAL
ZHETYSU-2,
                                       FINANCIAL CENTRE                       ULAANBAATAR
AUEZOV DISTRICT, 050063,
                                       P.O. BOX 118842,                       REPRESENTATIVE OFFICE
ALMATY,                                DUBAI, U.A.E
REPUBLIC OF KAZAKHSTAN                 SWIFT BKCHAEADXXX
SWIFT BKCHKZKA                                                                11TH FLOOR CENTRAL TOWER,
                                              (971) 43819100
      (7727) 2585510                          (971) 43880778                  SUKHBAATAR SQUARE-2,
      (7727) 2585514                             service.ae@bankofchina.com   SBD-8,
           boc@bankofchina.kz                                                 ULAANBAATAR 14200,
                                                                              MONGOLIA
                                       ABU DHABI BRANCH
                                                                                       (976) 77095566
KARACHI BRANCH                                                                         (976) 77195566
                                       UNIT 8-11, 46F, ADDAX
                                       COMMERCIAL TOWER,                                 service.mn1@bankofchina.com
5TH FLOOR, CORPORATE
                                       AL REEM ISLAND,
OFFICE BLOCK,
                                       P.O.BOX73098,
DOLMEN CITY, HC-3, BLOCK 4,            ABU DHABI, U.A.E.
SCHEME 5, CLIFTON,                                                            BAHRAIN
                                       SWIFT BKCHAEAA
KARACHI,                                                                      REPRESENTATIVE OFFICE
                                             (971) 24180999
PAKISTAN                                     (971) 24180996
SWIFT BKCHPKKA                                 abudhabi.ae@bankofchina.com    OFFICE 1502,
      (92) 2133110688                                                         AL JASRAH TOWER,
      (92) 2133110600                                                         DIPLOMATIC AREA
         services.pk@bankofchina.com   QATAR FINANCIAL                        BUILDING 95, ROAD 1702,
      www.bankofchina.com/pk           CENTRE BRANCH                          BLOCK 317, MANAMA
                                                                              KINGDOM OF BAHRAIN
                                       24TH FLOOR, ALFARDAN
                                                                                       (973) 17531119
COLOMBO BRANCH                         TOWERS-OFFICE TOWER,
                                                                                       (973) 17531009
                                       BUILDING NO.12, ZONE 61,
NO.40, YORK STREET                                                                     bldbcbgs@bank-of-china.com
                                       Al FUNDUQ, STREET NO.814,
COLOMBO 001                            DOHA, QATAR
SRI LANKA                              P.O Box 5768
SWIFT BKCHLKLX                         SWIFT BKCHQAQA
       (94) 0112195566                       (974) 44473681 44473682
       (94) 0112118800                       (974) 44473696
          service.lk@bankofchina.com            service.qa@bankofchina.com


                                                       426
BOC AVIATION LIMITED                    PARIS BRANCH                           BANK OF CHINA (EUROPE) S.A.


8 SHENTON WAY #18-01                    23–25 AVENUE DE LA                    37/39 BOULEVARD PRINCE
SINGAPORE 068811                        GRANDE ARMEE 75116 PARIS,              HENRI L-1724 LUXEMBOURG
        (65) 63235559                   FRANCE                                 P.O. BOX 721 L-2017,
        (65) 63236962                   SWIFT    BKCHFRPP                      LUXEMBOURG
          information@bocaviation.com           281 090 BDCSP                  SWIFT    BKCHLULA
        www.bocaviation.com                     (33) 149701370                         (352) 268688
                                                (33) 149701372                         (352) 221795
                                                www.bankofchina.com/fr                   service.lu@bankofchina.com
EUROPE                                                                                 www.bankofchina.com/lu


                                        FRANKFURT BRANCH
LONDON BRANCH
                                        BOCKENHEIMER LANDSTR.                  BANK OF CHINA
1 LOTHBURY,                             24 60323 FRANKFURT AM MAIN,            (EUROPE) S.A.
LONDON EC2R 7DB,                        GERMANY                                ROTTERDAM BRANCH
U.K.                                    SWIFT    BKCHDEFF
SWIFT    BKCHGB2L                               (49) 691700900                 COOLSINGEL 63,
        (44) 2072828888                         (49) 69170090500               3012AB ROTTERDAM,
        (44) 2076263892                           service.de@bankofchina.com   THE NETHERLANDS
          service.uk@bankofchina.com            www.bankofchina.com/de         SWIFT    BKCHNL2R
        www.bankofchina.com/uk                                                         (31) 102175888
                                                                                       (31) 102175899
                                        MILAN BRANCH                                     service.nl@bankofchina.com
BANK OF CHINA                                                                          www.bankofchina.com/nl
(UK) LIMITED                            VIA SANTA MARGHERITA,
                                        14/16-20121 MILAN,
1 LOTHBURY,                             ITALY
LONDON EC2R 7DB,                        SWIFT    BKCHITMM                      BANK OF CHINA
U.K.                                            (39) 02864731                  (EUROPE) S.A.
SWIFT    BKCHGB2U                               (39) 0289013411                BRUSSELS BRANCH
        (44) 2072828888                         www.bankofchina.com/it
        (44) 2076263892                                                        BOULEVARD DU REGENT
          service.uk@bankofchina.com                                           35, 1000 BRUSSELS, BELGIUM
        www.bankofchina.com/uk          LUXEMBOURG BRANCH                      SWIFT    BKCHBEBB
                                                                                       (32) 24056688
                                        37/39 BOULEVARD PRINCE                         (32) 22302892
BOC AVIATION                            HENRI L-1724 LUXEMBOURG                          service.be@bankofchina.com
(IRELAND) LIMITED                       P.O. BOX 114 L-2011,                           www.bankofchina.com/be
                                        LUXEMBOURG
SUITE 202, SOBO WORKS,                  SWIFT    BKCHLULL
WINDMILL LANE,                                  (352) 268688
DUBLIN 2 D02 K156                               (352) 221795
REPUBLIC OF IRELAND                               service.lu@bankofchina.com
                                                www.bankofchina.com/lu



                                                       427
                                                                                HUNGARIAN BRANCH
BANK OF CHINA                          BANK OF CHINA
(EUROPE) S.A.                          (EUROPE) S.A.                            7 JOZSEF NADOR TER,
POLAND BRANCH                          ATHENS BRANCH                            1051 BUDAPEST,
                                                                                HUNGARY
UL. ZIELNA 41/43,                      14TH FLOOR,                              SWIFT    BKCHHUHH
00-108 WARSAW,                         ATHENS TOWERS,                                   (36) 14299200
POLAND                                 MESOGEION AV.2,                                  (36) 14299202
SWIFT    BKCHPLPX                      115 27, ATHENS, GREECE                             service.hu@bankofchina.com
        (48) 224178888                 SWIFT    BKCHGRAA                                www.bankofchina.com/hu
        (48) 224178887                         (30) 2111906688
          service.pl@bankofchina.com              info.gr@bankofchina.com
        www.bankofchina.com/pl
                                                                                BANK OF CHINA
                                                                                (CENTRAL AND EASTERN
                                       BANK OF CHINA                            EUROPE) LIMITED PRAGUE
BANK OF CHINA (EUROPE)                 (EUROPE) S.A.                            BRANCH
S.A. STOCKHOLM BRANCH                  DUBLIN BRANCH
                                                                                NA FLORENCI 2116/15,
BIRGER JARLSGATAN 28,                  5TH FLOOR, STYNE HOUSE,                  NOVE MESTO, 11000 PRAHA 1,
114 34 STOCKHOLM,                      UPPER HATCH STREET,                      CZECH REPUBLIC
SWEDEN                                 DUBLIN 2, IRELAND                        SWIFT    BKCHCZPPXXX
SWIFT    BKCHSESS                      SWIFT    BKCHIE3DXXX                             (42) 0225986666
        (46) 107888888                         (353) 14768888                           (42) 0225986699
        (46) 107888801                          dublinbranch@bank-of-hina.com             service.cz@bankofchina.com
          service.se@bankofchina.com
        www.bankofchina.com/se
                                       BANK OF CHINA
                                       (CENTRAL AND EASTERN                     BANK OF CHINA
                                       EUROPE) LIMITED                          (CENTRAL AND EASTERN
BANK OF CHINA                                                                   EUROPE) LIMITED VIENNA
(EUROPE) S.A.                          7 JOZSEF NADOR TER,                      BRANCH
LISBON BRANCH-SUCURSAL                 1051 BUDAPEST,
EM PORTUGAL                            HUNGARY                                  SCHOTTENRING 18,
                                       SWIFT    BKCHHUHB                        1010 VIENNA,
RUA DUQUE DE PALMELA                           (36) 14299200                    AUSTRIA
NO. 35, 35A E 37;                              (36) 14299202                    SWIFT    BKCHATWWXXX
1250-097 LISBOA,                                 service.hu@bankofchina.com             (43) 153666800
PORTUGAL                                       www.bankofchina.com/hu                   (43) 153666888
SWIFT    BKCHPTPL                                                                         service.at@bankofchina.com
        (351) 210495710                                                                 www.bankofchina.com/at
        (351) 210495738
          service.pt@bankofchina.com
        www.bankofchina.com/pt




                                                      428
                                       GENEVA BRANCH                            TORONTO BRANCH
BANK OF CHINA
(CENTRAL AND EASTERN                   RUE DE LA TOUR-DE-1 ILE 1,               6108 ONE FIRST CANADIAN PLACE,
EUROPE) LIMITED                        CH-1204 GENEVA,                          100 KING STREET WEST,
BUCHAREST BRANCH                       SWITZERLAND                              P.O.BOX 241, TORONTO,
                                       SWIFT     BKCHCHGE                       ONTARIO,
SECTORUL 1,                                     (415) 86116800                  CANADA, M5X 1C8
PIATA PRESEI LIBERE, NR.3-5,                    (415) 86116801                  SWIFT    BKCHCAT2
TURNUL DE SUD AL                                  service.ch@bank-of-hina.com           (1416) 9559788
CLADIRII CITY GATE, ETAJ11,                                                             (1416) 9559880
BUCHAREST,                                                                                service.ca@bankofchina.com
ROMANIA                                AMERICA
SWIFT    BKCHROBUXXX
        (40) 318029888                                                          GRAND CAYMAN BRANCH
        (40) 318029889                 NEW YORK BRANCH
          service.ro@bankofchina.com                                            GRAND PAVILION
                                       1045 AVENUE OF THE AMERICAS,             COMMERCIAL CENTER
                                       NEW YORK, NY 10018,                      802 WEST BAY ROAD,
BANK OF CHINA SRBIJA A.D.              U.S.A.                                   P.O. BOX 30995,
BEOGRAD                                SWIFT     BKCHUS33                       GRAND CAYMAN KY1-1204
                                                (1212) 9353101                  CAYMAN ISLANDS
BULEVAR ZORANA DINDICA                          (1212) 5931831                  SWIFT    BKCHKYKY
2A, 11070 BELGRADE,                             www.bocusa.com                          (1345) 9452000
SERBIA                                                                                  (1345) 9452200
SWIFT    BKCHRSBGXXX                                                                     gcb@bank-of-china.com
        (381) 116351000                BANK OF CHINA (CANADA)
        (381) 112280777
          service.rs@bankofchina.com   SUITE 600,                               PANAMA BRANCH
        www.bankofchina.com/rs         50 MINTHORN BOULEVARD
                                       MARKHAM, ONTARIO,                        P.O. BOX 0823-01030
                                       CANADA, L3T 7X8                          PUNTA PACIFICA
BANK OF CHINA (RUSSIA)                 SWIFT     BKCHCATT                       P.H. OCEANIA BUSINESS
                                                (1905) 7716886                  PLAZA
72, PROSPEKT MIRA,                              (1905) 7718555                  TORRE 2000 PISO 36
MOSCOW, 129110                                    service.ca@bankofchina.com    PANAMA CITY,
RUSSIA                                          www.bankofchina.com/ca          REPUBLIC OF PANAMA
SWIFT    BKCHRUMM                                                               SWIFT    BKCHPAPA
        (7495) 2585301                                                                  (507) 2169400
        (7495) 7950454                                                                  (507) 2239960
            iboc@boc.ru                                                                    bocpanama@cwpanama.net
        www.boc.ru




                                                       429
BANCO DA CHINA BRASIL                BUENOS AIRES BRANCH                    AFRICA
S.A.
                                     JUANA MANSO 999, PISO 5,
AVENIDA PAULISTA,                    CABA, ARGENTINA                        BANK OF CHINA (ZAMBIA)
901-14 ANDAR BELA                    SWIFT    BKCHARBAXXX                   LIMITED
VISTA CEP     01311-100,                     (54) 1154395566
SAO PAULO, SP,                                 service.ar@bankofchina.com   PLOT NO. 2339,
BRASIL                                                                      KABELENGA ROAD,
SWIFT    BKCHBRSP                                                           P. O. BOX 34550, LUSAKA,
        (55) 1135083200              BANK OF CHINA (PERU) S.A.              ZAMBIA
        (55) 1135083299                                                     SWIFT     BKCHZMLU
          ouvidoria@boc-brazil.com   AV. REPULICA DE                                (260) 211233271
        www.bankofchina.com/br       PANAMA 3461, INT.2901,                         (260) 211236782
                                     SAN ISIDRO, LIMA,                              executive.zm@bank-of-china.com
                                     PERU                                           www.bankofchina.com/zm
CHILE BRANCH                         SWIFT    BKCHPEPL
                                             (51) 17037700
ANDRSBELLO2457, PISO 16,                        servicios@pe.bocusa.com     JOHANNESBURG BRANCH
PROVIDENCIA, SANTIAGO,                       www.bankofchina.com/pe
CHILE                                                                       14TH-16TH FLOORS,
SWIFT    BKCHCLRM                                                           ALICE LANE TOWERS,
        (56) 227157800               PERU REPRESENTATIVE                    15 ALICE LANE, SANDTON,
        (56) 227157898               OFFICE                                 JOHANNESBURG,
           servicios@cl.bocusa.com                                          SOUTH AFRICA
        www.bankofchina.com/cl       AV. REPULICA DE                        SWIFT     BKCHZAJJ
                                     PANAMA 3461, PISO 28,                          (27) 115209600
                                     SAN ISIDRO, LIMA,                              (27) 117832336
BANK OF CHINA MXICO,                 PERU                                           bocjhb@bank-of-china.com
S.A. INSTITUCIóN DE BANCA                   (51) 17037700                          www.bankofchina.com/za
MúLTIPLE                                      service.pe@bankofchina.com


PASEO DE LA REFORMA 243,
PISO 24, COLONIA
CUAUHTMOC,
CIUDAD DE MXICO,
MEXICO
SWIFT    BKCHMXMX
        (52) 5541705800
        (52) 5552078705
          servicios@mx.bocusa.com
        www.bankofchina.com/mx




                                                    430
BANK OF CHINA                          NAIROBI REPRESENTATIVE
(MAURITIUS) LIMITED                    OFFICE


4TH-5TH FLOOR,                         MORNING SIDE OFFICE PARK,
DIAS PIER BUILDING,                    NGONG ROAD,
CAUDAN WATERFRONT,                     P.O. BOX 21357-00505,
PORT LOUIS, MAURITIUS                  NAIROBI,
SWIFT    BKCHMUMU                      KENYA
        (230) 2034878                        (254) 203862811
        (230) 2034879                        (254) 203862812
         services.mu@bankofchina.com            service.ke@bankofchina.com
        www.bankofchina.com/mu


                                       MOROCCO
LUANDA BRANCH                          REPRESENTATIVE OFFICE


VIA S10 NO.701, CONDOMINIO             NO.71, ANFA CENTER, 128,
BELAS BUSSINESS PARK,                  BD D’ANFA & ANGLE
TORRE CUANZA SUL 8                     RUE LAHCEN BASRI,
ANDAR, LUANDA,                         CASABLANCA, MAROC
REPUBLIC OF ANGOLA                           (212) 522203779
SWIFT    BKCHAOLU                            (212) 522273083
        (244) 923165700                         service.ma@bankofchina.com
        (244) 923165717
          service.ao@bankofchina.com
        www.bankofchina.com/ao         TANZANIA
                                       REPRESENTATIVE OFFICE


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




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