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中信银行:H股-2014年中期业绩公告2014-08-29  

						                     998

     2014   6       30


                                    2014   6       30

34




                2014       2013                         2012
                 1-6        1-6                %         1-6

                62,101     50,074          24.02         44,243
                29,503     27,243           8.30         25,876
                22,034     20,391           8.06         19,373
                90,072     47,381          90.10        (75,551)

                    0.47     0.44           6.82           0.41
                    0.47     0.44           6.82           0.41

                    1.93     1.01          91.09          (1.61)



                1
           2014          2013                  2012
            1-6           1-6                   1-6

(ROAA)         1.14%      1.30%     (0.16)      1.38%
(ROAE
          18.96%         19.92%     (0.96)     21.38%
          26.95%         28.66%     (1.71)     28.48%
           1.09%          0.54%      0.55       0.33%
           2.14%          2.39%     (0.25)      2.68%
           2.36%          2.58%     (0.22)      2.89%




           2014          2013                  2012
          6 30         12 31            %    12 31

         4,311,187     3,641,193   18.40     2,959,939
         2,119,144     1,941,175    9.17     1,662,901
         4,064,489     3,410,468   19.18     2,756,853
         3,053,213     2,651,678   15.14     2,255,141
            39,558        41,952   (5.71)       17,894
           239,287       225,601    6.07       198,356
              5.11          4.82    6.07          4.24




           2014          2013       %          2012
          6 30         12 31                 12 31

         2,093,898     1,921,209     8.99 1,650,646
            25,246        19,966    26.44    12,255
            48,644        41,254    17.91    35,325
            1.19%         1.03%      0.16    0.74%
          192.68%       206.62%    (13.94) 288.25%
            2.30%         2.13%      0.17    2.12%




           2
                                  2014        2013                    2012
                                 6 30       12 31                   12 31


                                  8.71%       8.78%       (0.07)          9.29%
                                  8.77%       8.78%       (0.01)          9.29%
                                 10.98%      11.24%       (0.26)         12.42%

                                  9.51%       9.05%        0.46           9.89%
                                 12.53%      12.12%        0.41          13.44%
                                  5.72%       6.34%       (0.62)          6.86%

                  2012   6   7                                    2013   1    1




                                                             (%)
                                              2014       2013      2012
      (1)
                                     (%)     6 30      12 31     12 31

                                     ≥25      64.99      46.40              52.20
                                     ≥25      55.11      43.45              48.85
                                     ≥25     243.52     106.78              86.48
            (2)
                                     ≤75      68.67      72.79              73.59
                                     ≤75      68.63      72.35              74.12
                                     ≤75      69.11      79.83              64.12

(1)

(2)




                                 3
2014
QE




                                                                  269,044
         7.4%                                              212,770
  17.3%                                                  124,199
12.1%                                       20,209                   1.2%
    1,029                                             2.3%
                                    1.8%                                2.0%


    10.57                         4,146       6               (M2)        120.96
                14.7%              (M1)     34.15              8.9%   6
              77.63                          113.61
  5.74                  6,590                         9.23                   1,354




2014




                                                        43,111.87
    18.40%                      21,191.44                    9.17%
  30,532.13                      15.14%



                                      4
                                                                              220.34
        8.06%                    411.20                   27.97%                           456.14
                  12.70%                             164.87                   71.74%

                                                                   252.46
  52.80                 26.44%                 1.19%                        0.16
                                        192.68%                    13.94
      2.30%                    0.17




                                                             30
                 100                                                  32
B2B                                9




                                                             267
                                                                                       3
          3.35                             64%        2013
5,686


                                                   446                     219.0%
                       2.94                    116%




                         AUM           9,000                       5,400
  4,100

                                               25%                         18.1%


                                               5
                                                   IT

                       16
                       418.43                                 POS

47.26     2013                      63.04




                                2014        2013
                                 1-6         1-6
                                                                          %

                                 45,614      40,474      5,140       12.70
                                 16,487       9,600      6,887       71.74
                                 62,101      50,074     12,027       24.02
                                (21,086)    (17,940)     3,146       17.54
                                (11,617)     (4,889)     6,728      137.62
                                 29,503      27,243      2,260        8.30
                                 (7,078)     (6,600)       478        7.24
                                 22,425      20,643      1,782        8.63
                                 22,034      20,391      1,643        8.06



                         621.01                    24.02%
  73.5%          7.3                               26.5%            7.3


                                            2014        2013        2012
                                             1-6         1-6         1-6
                                               %           %           %

                                               73.5          80.8     83.5
                                               26.5          19.2     16.5
                                              100.0         100.0    100.0




                                6
                                                  456.14                          51.40
12.70%




                           2014 1-6                         2013 1-6                     2013 1-12




                                       %                                %                            %


               2,024,269      63,362   6.31 1,766,354          53,924   6.16 1,827,191     113,001   6.18
                 337,986       6,438   3.84 370,955             6,563   3.57 366,702        13,754   3.75
                 497,668       3,686   1.49 459,411             3,387   1.49 466,610         6,988   1.50
                 312,720       6,698   4.32 321,372             5,756   3.61 309,811        12,292   3.97
                 257,990       7,230   5.65 219,089             4,738   4.36 223,041        11,200   5.02
                 471,302      14,866   6.36    26,268             830   6.37 106,586         6,100   5.72

               3,901,935     102,280   5.29 3,163,449          75,198   4.79 3,299,941     163,335   4.95



               2,728,305      33,367   2.47 2,395,367          25,575   2.15 2,469,243      54,213   2.20

                792,186       21,063   5.36       455,571       7,928   3.51   501,149      20,613   4.11
                 25,469          482   3.82         6,645         117   3.55    10,300         467   4.53
                 84,288        1,754   4.20        56,075       1,104   3.97    59,475       2,354   3.96


               3,630,248      56,666   3.15 2,913,658          34,724   2.40 3,040,167      77,647   2.55

                              45,614                           40,474                       85,688
   (1)
                                       2.14                             2.39                         2.40
   (2)
                                       2.36                             2.58                         2.60

         (1)

         (2)




                                              7
                                               2014     1-6         2013     1-6




                                                 7,878           1,560         9,438
                                                  (584)            459          (125)
                                                   283              16           299
                                                  (155)          1,097           942
                                                   841           1,651         2,492
                                                14,058             (22)       14,036
                                                22,321           4,761        27,082

                                                 3,550           4,242         7,792
                                                 5,859           7,276        13,135
                                                   331              34           365
                                                   555              95           650
                                                10,295          11,647        21,942
                                                12,026          (6,886)        5,140



                       2.36%            0.22                        2.14%
  0.25




                                  1,022.80                       270.82
36.01%
       2013           31,634.49         2014                   39,019.35
7,384.86          23.34%                          2013                 4.79%
2014          5.29%        0.50




                                             633.62                       94.38
    17.50%                                            615.47                       91.00
          17.35%                                                                  0.17




                                   8
            2014 1-6                         2013 1-6                     2013 1-12


                        %                                %                            %

1,159,324      36,936   6.42 1,012,070          31,224   6.22 1,043,876      65,718   6.30
  864,945      26,426   6.16 754,284            22,700   6.07 783,315        47,283   6.04

2,024,269      63,362   6.31 1,766,354          53,924   6.16 1,827,191     113,001   6.18




            2014 1-6                         2013 1-6                     2013 1-12


                        %                                %                            %

1,136,923      36,473   6.47       993,168      30,834   6.26 1,023,538      64,931   6.34
  781,600      25,074   6.47       684,944      21,613   6.36 709,770        44,944   6.33

1,918,523      61,547   6.47 1,678,112          52,447   6.30 1,733,308     109,875   6.34




                               9
                     2014 1-6                       2013 1-6                        2013 1-12


                                   %                               %                               %

         1,498,604      46,979     6.32 1,312,712      40,800      6.27 1,352,818      84,952      6.28
            63,990       1,962     6.18    91,310       2,286      5.05    83,186       4,497      5.41
           461,675      14,421     6.30 362,332        10,838      6.03 391,187        23,552      6.02

         2,024,269      63,362     6.31 1,766,354      53,924      6.16 1,827,191     113,001      6.18




                     2014 1-6                       2013 1-6                        2013 1-12


                                   %                               %                               %

         1,415,071      45,491     6.48 1,245,090      39,814      6.45 1,280,166      82,516      6.45
            56,562       1,840     6.56    84,258       1,999      4.78    75,337       4,216      5.60
           446,890      14,216     6.41 348,764        10,634      6.15 377,805        23,143      6.13

         1,918,523      61,547     6.47 1,678,112      52,447      6.30 1,733,308     109,875      6.34




                                       64.38                         1.25                   1.90%

2013        3,709.55                   2014                     3,379.86                    8.89




                                                         36.86                           2.99
 8.83%
                          382.57



                                       10
                                                        66.98                     9.42
         16.37%                                                            0.71




                                            72.30                  24.92
52.60%                                       389.01                          1.29




                                                     148.66                  140.36




                           566.66                      219.42                63.19%

             0.75                                                     2013
  29,136.58         2014                 36,302.48              7,165.90
24.59%                         2013                   2.40%         2014
3.15%       0.75




                                         333.67                   77.92
30.47%                                    324.04                  74.31
29.76%                                    3,063.52
                    0.31




                                    11
            2014 1-6                          2013 1-6                     2013 1-12


                        %                                 %                            %


1,324,768      22,853   3.48 1,110,687           17,792   3.23 1,154,956      37,421   3.24
  875,905       2,972   0.68 864,356              2,847   0.66 871,069         5,840   0.67

2,200,673      25,825   2.37 1,975,043           20,639   2.11 2,026,025      43,261   2.14



 409,263        7,332   3.61        321,128       4,582   2.88   339,032      10,581   3.12
 118,369          210   0.36         99,196         354   0.72   104,186         371   0.36

 527,632        7,542   2.88        420,324       4,936   2.37   443,218      10,952   2.47

2,728,305      33,367   2.47 2,395,367           25,575   2.15 2,469,243      54,213   2.20




            2014 1-6                          2013 1-6                     2013 1-12


                        %                                 %                            %


1,273,577      22,224   3.52 1,067,442           17,456   3.30 1,105,257      36,541   3.31
  849,416       2,961   0.70 846,065              2,837   0.68 853,549         5,817   0.68

2,122,993      25,185   2.39 1,913,507           20,293   2.14 1,958,806      42,358   2.16



 369,768        7,021   3.83        292,415       4,340   2.99   307,694      10,127   3.29
 105,615          198   0.38         86,102         340   0.80    91,372         345   0.38

 475,383        7,219   3.06        378,517       4,680   2.49   399,066      10,472   2.62

2,598,376      32,404   2.51 2,292,024           24,973   2.20 2,357,872      52,830   2.24

                               12
                                                         210.63
   131.35              165.68%
            3,366.15                    1.85




                                         4.82              3.65
311.97%                                     188.24
0.27




                                                 17.54             6.50
          58.88%




                                      164.87             68.87
71.74%




                                 2014          2013
                                  1-6           1-6
                                                                     %

                                  12,807        7,977    4,830     60.55
                                   2,712        1,170    1,542    131.79
                                     800           73      727    995.89
                                     168          380     (212)   (55.79)

                                  16,487        9600     6,887     71.74




                                 13
                          128.07                  48.30
60.55%           134.97                     57.29%




                 2014          2013
                  1-6           1-6
                                                             %

                   3,679           2,445      1,234        50.47
                   3,336           2,262      1,074        47.48
                   1,805           1,125        680        60.44
                   1,773             950        823        86.63
                   1,219             843        376        44.60
                     810             542        268        49.45
                     783             407        376        92.38
                      92               7         85            –
                  13,497           8,581      4,916        57.29
                    (690)           (604)        86        14.24

                  12,807           7,977      4,830        60.55




         27.12                     15.42




                 2014          2013
                  1-6           1-6
                                                             %

                      1,313          184      1,129       613.59
                        696          784        (88)      (11.22)
                        663          201        462       229.85

                        14             1         13              –
                        26             –        26              –

                      2,712        1,170      1,542       131.79


                 14
             116.17                   67.28
109.14                 61.95            131.28%




                  2014         2013
                   1-6          1-6
                                                             %

                   10,914       4,719       6,195      131.28
                       58          57           1        1.75
                        1         (91)         92           –
                      644         204         440      215.69

                   11,617       4,889       6,728      137.62




         210.86                31.46              17.54%

    19.92%   26.93%

              33.95%             1.88




                  2014         2013
                   1-6          1-6
                                                             %

                    9,844       8,209       1,635          19.92
                    3,394       2,674         720          26.93
                    3,498       3,469          29           0.84
                   16,736      14,352       2,384          16.61
                    4,350       3,588         762          21.24
                   21,086      17,940       3,146          17.54

                  33.95%       35.83%         1.88

                  26.95%       28.66%         1.71



                  15
                        70.78                    4.78                 7.24%
        23.99%   2013                 24.23%     0.24




                          43,111.87                             18.40%
                                                              40,644.89
       19.18%




                                  2014      6   30             2013    12     31

                                                      %                            %

                                2,070,500             48.0   1,899,921             52.2
                                  563,697             13.1     300,158              8.2
                  (1)
                                  367,009              8.5     346,003              9.5
                                  597,719             13.9     496,476             13.6
                                  247,844              5.7     254,025              7.0
                                  384,382              8.9     286,767              7.9
(2)
                                   80,036              1.9      57,843              1.6

                                4,311,187            100.0   3,641,193         100.0

                                3,053,213             75.1   2,651,678             77.8

                                 829,692              20.4    601,619              17.6
                                   8,999               0.2      7,949               0.2
                                  88,086               2.2     76,869               2.3
(3)
                                  84,499               2.1     72,353               2.1

                                4,064,489            100.0   3,410,468         100.0

 (1)


 (2)


 (3)




                                 16
                 21,191.44                           9.17%
48.0%                4.2




          2014     6   30             2013    12     31

                             %                            %

        1,559,431            73.6   1,435,853          74.0
           66,264             3.1      64,769           3.3
          493,449            23.3     440,553          22.7
        2,119,144           100.0   1,941,175         100.0
          (48,644)                    (41,254)
        2,070,500                   1,899,921

        20,003.28                            8.72%




          2014     6   30             2013    12     31

                             %                            %

        1,463,226            73.1   1,356,527          73.7
           59,143             3.0      57,188           3.1
          477,959            23.9     426,129          23.2
        2,000,328           100.0   1,839,844         100.0
          (48,243)                    (40,861)
        1,952,085                   1,798,983




         17
 2014        6   30            2013   12   31

                       %                        %


158,825                43.2    154,897          44.7
175,358                47.8    172,472          49.8

 20,031                 5.5     11,016           3.2

354,214                96.5    338,385          97.7



     6,629              1.8        610           0.2

         2                –         2             –
     6,631              1.8        612           0.2



       204              0.1        207           0.1
     2,260              0.6      2,176           0.6

     2,464              0.7      2,383           0.7



     3,851              1.0      4,828           1.4

367,160               100.0    346,208      100.0

   (151)                          (205)
367,009                        346,003
    964                            741




18
                 3,542.14                          158.29
4.68%




                     2014     6   30             2013    12   31

                                        %                           %

                    133,411             37.6    115,964            34.3
                     82,730             23.4     83,815            24.7
                     46,629             13.2     47,296            14.0
                         22                –        25               –
                     91,422             25.8     91,285            27.0

                    354,214            100.0    338,385        100.0




                     2014     6   30             2013    12   31

                                        %                           %

                    341,996             96.6    328,529            97.1
                     12,218              3.4      9,856             2.9

                    354,214            100.0    338,385        100.0




                          45.62                 280.68
        22.89    50.18%
0.19      1.18




                    19
     2014   6     30




                                                     %

1                       4,000   28/02/2017        4.20            –
2                       3,156   23/04/2017        4.11            –
3                       2,978   07/12/2015   4.88-4.99            –
4                       2,959   20/02/2015        3.76            –
5                       2,673   23/04/2015        3.93            –
6                       2,590   23/04/2019        4.32            –
7                       2,564   26/07/2017        3.97            –
8                       2,033   17/01/2018        4.12            –
9                       2,187   06/05/2017        3.33            –
10                      2,000   14/03/2017        3.95            –

                       27,140                                     –




                                              2014         2013
                                             6 30        12 31

                                                205          279
      (1)
                                                  1          (74)
                                                  –           –
            (2)
                                                (55)           –

                                                151          205

(1)

(2)




                       20
       2014   6    30                          2013   12   31




 274,804      1,053          756      207,698         1,504       1,316
 985,208      6,129        5,713      899,683         6,245       5,535
   8,223         28           92            –            –          –
  40,737          –           –      63,255             –          2

1,308,972     7,210        6,561 1,170,636            7,749       6,853




                    2013                                         2014
                  12 31                                         6 30

                        6,051        63,362       (62,043)        7,370
                        2,092        14,865        (9,829)        7,128
                        6,139         6,438        (7,298)        5,279
                        1,951        17,615       (16,922)        2,644

                    16,233          102,280       (96,092)       22,421

                      (688)            (440)          135          (993)
                    15,545          101,840       (95,957)       21,428




                   21
                                       2014                2013
                                      6 30               12 31


                                            377                350
                                             23                 23

                                            (158)              (82)
                                             (23)              (23)

                                            219                268




         30,532.13                             4,015.35
15.14%    75.1%                       2.7




           2014      6   30             2013        12    31

                               %                               %


         1,043,112             34.1     938,894                35.4
         1,406,138             46.1   1,198,043                45.2
           103,292              3.4      99,205                 3.7

         2,449,250             80.2   2,136,937                80.6



          163,710               5.4     127,430                 4.8
          440,253              14.4     387,311                14.6

          603,963              19.8     514,741                19.4

         3,053,213            100.0   2,651,678             100.0



          22
29,150.43                    3,855.55                15.24%




              2014       6   30              2013    12     31

                                   %                              %


            1,014,995              34.8      919,663             36.4
            1,351,696              46.4    1,143,519             45.2
              102,440               3.5       98,340              3.9

            2,366,691              81.2    2,063,182             81.6



             150,146                5.1     113,377               4.4
             398,206               13.7     352,929              14.0

             548,352               18.8     466,306              18.4

            2,915,043             100.0    2,529,488         100.0




                  2014   6    30              2013     12   31

                                    %                              %

            2,714,779               88.9   2,411,528              90.9
              338,434               11.1     240,150               9.1

            3,053,213              100.0   2,651,678             100.0




             23
                                      2014       6   30               2013       12    31

                                                            %                                  %

                                    793,532                 25.9     697,913                  26.3
                                    731,613                 24.0     638,334                  24.1
                                    448,463                 14.7     386,531                  14.6
                                    441,829                 14.5     373,731                  14.1
                                    412,848                 13.5     348,232                  13.1
                                     87,419                  2.9      85,365                   3.2
                                    137,509                  4.5     121,572                   4.6

                                 3,053,213                 100.0    2,651,678                100.0




                     3             3-12              1-5              5

            %              %                 %                %              %                  %

1,157,024   38.0 480,771   15.7 575,084   18.8 233,273        7.6   3,098    0.1 2,449,250      80.2
  352,298   11.5 99,654     3.3 117,835    3.9 34,163         1.1      13      – 603,963       19.8

1,509,322   49.5 580,425   19.0 692,919   22.7 267,436        8.7   3,111    0.1 3,053,213     100.0




                                    24
                          3                   3-12                 1-5                  5

                  %                  %                    %                    %                 %                   %

1,128,900        38.7 442,119        15.2 561,388         19.3 231,186         7.9    3,098      0.1 2,366,691       81.2
  338,733        11.6 71,582          2.4 103,933          3.6 34,091          1.2       13        – 548,352        18.8

1,467,633        50.3 513,701        17.6 665,321         22.9 265,277         9.1    3,111      0.1 2,915,043      100.0




                                                        2014 6 30




            46,787      49,503           (4,769)        59,835       76,690          (2,445)         5,124       230,725
                 –          –               –             –      22,034               –           391        22,425
                 –         (7)           3,373              –           –             76             53         3,495

                 –             –            –              –          –                –       1,843         1,843
                 –             –            –              –    (11,790)                –           –      (11,790)

            46,787      49,496           (1,396)        59,835       86,934          (2,369)         7,411       246,698




                                                   25
                                 2014            2013
                                6 30           12 31


                                760,452         695,944
                                191,451         199,762
                                119,024         114,950
                                151,671         137,331
                                120,317          95,217

                           1,342,915           1,243,204

                                 16,337             14,775
                                  3,168              2,727
                                 20,428              7,819

                           1,382,848           1,268,525




                                        2013    1    1

                                8.71%
0.07            8.77%    0.01
10.98%   0.26




                    26
  2014        2013                 2012
 6 30       12 31          %     12 31

  241,965     228,311     5.98     202,521
  243,724     228,380     6.72     202,574
  305,147     292,212     4.43     270,839
2,779,222   2,600,494     6.87   2,180,062
   8.71%       8.78%    0.07        9.29%

   8.77%       8.78%    0.01        9.29%

 10.98%       11.24%    0.26       12.42%




 27
         2014 1-6                                 2013 1-6


          %                      %                 %                   %

31,723    51.1        13,391     45.4    29,558    59.0      17,023    62.5
11,454    18.4           351      1.2     9,608    19.2       1,683     6.2
18,372    29.6        16,070     54.5     9,681    19.3       7,965    29.2
   552     0.9          (309)    (1.1)    1,227     2.5         572     2.1

62,101   100.0        29,503    100.0    50,074   100.0      27,243   100.0




                 28
              2014 6 30                       2014 1-6


                %                    %                    %

  958,992       22.3     953,923     23.5     1,931        6.5

   623,960      14.5     619,848     15.3     2,675        9.1
   958,837      22.3     950,850     23.4     4,541       15.4
   526,064      12.2     521,251     12.8     4,353       14.8
   573,491      13.3     567,911     14.0     4,229       14.3
   108,108       2.5     106,689      2.6       628        2.1
 1,444,932      33.6 1,256,467       30.9     9,547       32.4
   188,886       4.4     168,381      4.1     1,599        5.4
(1,080,602)    (25.1) (1,080,831)   (26.6)        –         –

4,302,668      100.0    4,064,489   100.0    29,503      100.0




              2013 12 31                      2013 1-6


                 %                    %                    %

  771,024       21.3     767,235     22.5     3,524       12.9

  549,279       15.1     542,146     15.9     3,073       11.3
  851,490       23.4     839,582     24.6     5,459       20.0
  455,064       12.5     447,303     13.1     3,967       14.6
  446,164       12.3     438,613     12.9     3,407       12.5
   99,848        2.7      97,957      2.9     1,048        3.8
1,114,858       30.7     949,745     27.8     5,768       21.2
  171,057        4.7     153,933      4.5       997        3.7
 (826,025)     (22.7)   (826,046)   (24.2)        –         –

3,632,759      100.0    3,410,468   100.0    27,243      100.0



                  29
                 304.39                          51.14%
26.64                             17.04%




    35.57                     3.98%                  23,666.91
    14.71%




    15,223.69                       7.69%                    14,632.26
            1,066.69




                             2.21                           6,735.90
                       33.12%               753.73




                             30
                                    8,843                     808      10.06%
       2,264.66                         99.09              4.58%
1,454.36                    33.67               2.37%




B2B
                  B2B




                                                        4,044              726
           20,919                   2,089                                  8.8
             1.3               16.99%




                                             414.94                   133.30
      47.33%                                             445.53                305.85
                  218.96%                        2.94               1.58
116.18%




                                        31
                                                    33,580.40
       64%                      517                 61           13.38%
                         7.83             92.38%


 2                  5




                                  4,169                    8.34%
     5,483.52                 17.61%                4,779.59
     12.16%                  AUM       9,072.42                   25.13%
                    8,797.54                73.99%
         8,370.69             76.05%                  275.63
22.61%                  43.34                63.42%             37.92
         14                                         107.70
       18.09%                  43.13               53.49%




                            AUM      50                  359,114
       67,043           22.95%                 AUM 6,402.32
    1,436.20             28.92%             AUM      600
       14,795                   3,312      28.84%
AUM2,165.60                     552.55        34.25%




                                  32
                                            3,000       3,025.21
             369.23           13.90%                      668.84
                 128.82           23.86%

                          9                           3.73
0.78




                                           1,288.45                116.92
             9.98%                    31,308             3,687
       412




                                      33
                                                            7
   +2              +1
                                                      (Data)




                             2,245.98                    168.03
         1.77%                          2,647.80        31.85%
                 60.11             55.49%




                                                                4.94
          51.07%




                             1,186.72              155.58
15.09%           304.13        34.46%
                   APP           912.66              570.78
 1.67             688.23         3.07
                                                         23.27
            1.76           8.18%           3.36    16.88%




                             34
                                                      92.75% 1                  1.13
              2.11                                      7,380.10                  3.81
                     56.54%   58.09%                                   131.71
333.13                            2.47         5.84                                 2,176.40
                     17.57                            97.01%    45.93%

2014      3    28
  16


                                                1     18
                                           16
13                                       418.43


                               POS                                                             6
     20
                47.26          2013                             63.04
        8.93                          258.85                       0.29%
      3,146.01

                                         192                    1.46                     582




2014




                                                                         2014   6




1
                                           +               +ATM+POS                      +
     +ATM+POS+

                                           35
                                                           2,615.20
                                               26.50
16.92%

                                                            Wind
 2014




                              NRA


            BPO


                             1,864.10              17.8%
4.55%                     1,646.89             43.4%

24.51             41.1%




                                    8,037.75               2,325.41
         40.71%




                            36
                                         5,455.24                          1,186.83
              27.81%                                            20.03
                                                         9.24              85.66%









                                                                              14
              1.3                                   38              19.4
                            58           7.41                                   63.29









         87             561.15


                                                    6,618                     37.54




                       PE
         1,854                   4,220                                  507
126.54




                                   37
                   53
                                       20


1.8
           1




                                       2         4

                               1
92.13       2013        1.04
  2013




                                                                    11
                   23
           1,096         42                 69       978


                                                           36
                                   4




                                                            2,453
          8,740
3.94%    3.64%




                         38
                       2,439                            2,091
348      20                                83.38%               98.86%
              98.38%
                                                        20.07


                                                     2013
                         18




                                                    BBVA                70.32%
29.68%
                                                                          40%
                       20.03%

                                2,365.01                        9.56%
1,782                         16.6                  59.39%




                                    39
                                        36            4

                                                  2,352.6
8.8%                      30.83                      37.5%
       15.38              46%




                 SONAE SIERRA
                                       CCTrack Solutions

                                                           45




                                                    95%
5%             2,500




                                         18,795                            16.57
         9                             812                      69.17




                                                          2012     1 9
                                  2                              51%         13
           49%                                                      6.93
         5.98             42                          0.04




                                  40
41
      2014




1.

     (1)

     (2)

     (3)

     (4)




             42
2.

     (1)


     (2)




     (3)                                          1,434       359


     (4)


3.



                 13

4.

     (1)

     (2)

     (3)


5.




                                    21,191.44        1,779.69
         9.17%
  5,543.53            5,083.64   3,154.32       26.16%     23.99%
  14.88%                                                 13.29%
12.9%
                                   43
  2014      6   30             2013   12   31

                      %                         %

 508,364             23.99    476,101       24.53
 554,353             26.16    513,609       26.46
 315,432             14.88    278,425       14.34
 288,688             13.62    266,342       13.72
 288,585             13.62    255,620       13.17
  61,335              2.89     57,920        2.98
 102,387              4.84     93,158        4.80

2,119,144        100.00      1,941,175     100.00




  2014      6   30             2013   12   31

                      %                         %

 505,481             25.27    472,973       25.71
 543,344             27.16    511,075       27.77
 312,895             15.64    275,914       15.00
 288,688             14.43    266,342       14.48
 288,585             14.43    255,620       13.89
  61,335              3.07     57,920        3.15

2,000,328        100.00      1,839,844     100.00




 44
                                                       15,594.31
1,235.78        8.61%                                      4934.49
   528.96        12.01%
       23.28%                                             14.95




                            2014      6   30              2013    12   31

                                                %                           %

                          1,559,431            73.59   1,435,853        73.97
                            493,449            23.28     440,553        22.69
                             66,264             3.13      64,769         3.34

                          2,119,144        100.00      1,941,175       100.00




                            2014      6   30              2013    12   31

                                                %                           %

                          1,463,226            73.15   1,356,527        73.73
                            477,959            23.89     426,129        23.16
                             59,143             2.96      57,188         3.11

                          2,000,328        100.00      1,839,844       100.00




                           45
4,296.86   3,262.75                                   48.47%

                  20.49%    19.21%         13.86%




                             2014      6    30             2013   12   31

                                                  %                         %

                            429,686              27.55    412,819       28.75
                            138,425               8.88    135,778        9.46
                             54,712               3.51     56,817        3.96
                            326,275              20.92    298,847       20.81
                            146,803               9.41    128,930        8.98
                             86,578               5.55     71,853        5.01
                             73,998               4.75     67,657        4.71
                             97,599               6.26     81,873        5.70
                             16,265               1.04     16,992        1.18
                            189,090              12.13    164,287       11.44

                           1,559,431         100.00      1,435,853     100.00




                            46
                    2014      6   30             2013   12    31

                                        %                          %

                   423,064             28.91    406,726         29.98
                   136,638              9.34    134,002          9.88
                    54,313              3.71     56,419          4.16
                   306,087             20.92    287,087         21.16
                   133,749              9.14    116,735          8.61
                    86,450              5.92     71,722          5.29
                    73,673              5.03     67,428          4.97
                    96,851              6.62     81,048          5.97
                    16,265              1.11     16,992          1.25
                   136,136              9.30    118,368          8.73

                  1,463,226        100.00      1,356,527       100.00




                                                           11,011.36
       1,243.15         51.96%                     1.64
       9,517.44               521.59                44.91%
1.43




                   47
  2014      6   30             2013   12   31

                      %                         %

 421,300             19.88    399,860       20.60
 530,444             25.03    499,725       25.74
 815,428             38.48    740,650       38.15
 285,708             13.48    236,171       12.17

2,052,880            96.87   1,876,406      96.66

   66,264          3.13         64,769       3.34
2,119,144        100.00      1,941,175     100.00




  2014      6   30             2013   12   31

                      %                         %

 393,908             19.69    382,075       20.77
 491,234             24.56    463,191       25.17
 779,838             38.98    705,499       38.35
 276,205             13.81    231,891       12.60

1,941,185            97.04   1,782,656      96.89

   59,143          2.96         57,188       3.11
2,000,328        100.00      1,839,844     100.00




 48
                                     2014       2013            2012
                                    6 30      12 31           12 31

              %                10      3.27            3.41       3.80

              %                50     16.56        14.68         20.98
(1)               =

(2)               =




                                            2014   6     30




                                                       %          %

 A                                    9,978            0.47       3.27
 B                                    7,397            0.35       2.42
 C                                    6,737            0.32       2.21
 D                                    5,718            0.27       1.87
 E                                    3,858            0.18       1.26
 F                                    3,843            0.18       1.26
 G                                    3,650            0.17       1.20
 H                                    3,480            0.17       1.14
 I                                    3,440            0.16       1.13
 J                                    2,441            0.12       0.80

                                     50,542            2.39      16.56

                                                        505.42
      2.39%           16.56%




                         49
  2014      6   30             2013   12   31

                       %                      %
2,055,890            97.02   1,898,053      97.78
   38,008             1.79      23,156       1.19
   11,565             0.55      11,680       0.60
   11,475             0.54       6,310       0.33
    2,206             0.10       1,976       0.10

2,119,144        100.00      1,941,175     100.00

2,093,898            98.81   1,921,209      98.97
   25,246             1.19      19,966       1.03




 50
                       2014      6   30              2013   12    31

                                           %                           %

                     1,937,818            96.88   1,797,573          97.70
                        37,635             1.88      22,632           1.23
                        11,445             0.57      11,643           0.63
                        11,241             0.56       6,041           0.33
                         2,189             0.11       1,955           0.11

                     2,000,328        100.00      1,839,844       100.00

                     1,975,453            98.76   1,820,205          98.93
                        24,875             1.24      19,639           1.07



                                          1,578.37               97.02%
        0.76                                          148.52
1.79%          0.6




                                                            252.46
        52.8          1.19%                       0.16




                                             64.23




                      51
                                    2014              2013            2012
                                   6 30             12 31           12 31

               %                        1.24            1.51            1.16
               %                       25.43           27.20            6.35
               %                       41.35           45.98           24.06
               %                       11.54           17.94            5.70
                   %                    0.48            0.67            0.36

                                         0.48%                         0.06




                         2014      6   30              2013    12    31

                                               %                          %

                       2,065,105            97.45    1,905,586         98.17
         (1)

1-90                     25,416              1.20      15,424             0.79
91-180                    7,641              0.35       3,872             0.20
181                      20,982              1.00      16,293             0.84

                         54,039              2.55      35,589             1.83

                       2,119,144         100.00      1,941,175        100.00

  91                     28,623              1.35      20,165             1.04
         (2)
                         10,439              0.49       6,176             0.32

  (1)

  (2)


                        52
                        2014     6   30             2013     12   31

                                           %                           %

                   1,947,958              97.38   1,805,447        98.13
         (1)

1-90                    24,002             1.20     14,524             0.79
91-180                   7,616             0.38      3,837             0.21
181                     20,752             1.04     16,036             0.87

                        52,370             2.62     34,397             1.87

                   2,000,328          100.00      1,839,844       100.00

  91                    28,368             1.42     19,873             1.08
         (2)
                         9,879             0.49      5,603             0.30

  (1)

  (2)



540.39         184.5                                  0.72
3                           47%




                       53
                   2014    6       30                   2013    12    31

                               %        %                         %         %

              20,360       80.65        1.31        16,406      82.17      1.14
               4,886       19.35        0.99         3,560      17.83      0.81
                   –          –          –            –         –        –

              25,246      100.00        1.19        19,966     100.00      1.03




                   2014    6       30                   2013    12    31

                               %        %                         %         %

              19,998        80.4        1.37        16,091      81.93      1.19
               4,877        19.6        1.02         3,548      18.07      0.83
                   –          –          –            –         –        –

              24,875      100.00        1.24        19,639     100.00      1.07

                                                      39.54
0.16                                                      13.26
       0.18

                                                0




                                   54
    2014    6       30              2013    12    31

                %        %                    %        %

10,581      41.91        2.08   10,567      52.93      2.22
 6,700      26.54        1.21    3,995      20.01      0.78

 4,198      16.63        1.33    2,311      11.57      0.83
 1,674       6.63        0.58    1,126       5.64      0.42
 1,140       4.52        0.40      976       4.89      0.38
   672       2.66        1.10      759       3.80      1.31
   281       1.11        0.27      232       1.16      0.25

25,246     100.00        1.19   19,966     100.00      1.03




    2014    6       30              2013    12    31

                %        %                    %        %

10,576      42.51        2.09   10,559      53.77      2.23
 6,656      26.76        1.23    3,950      20.11      0.77

 4,158      16.72        1.33    2,268      11.55      0.82
 1,673       6.73        0.58    1,126       5.73      0.42
 1,140       4.58        0.40      977       4.98      0.38
   672       2.70        1.10      759       3.86      1.31

24,875     100.00        1.24   19,639     100.00      1.07




                    55
           214.79              85%
27                     0.43                                   18.87
     0.5                                                              87%




                        2014    6       30               2013     12       31

                                    %        %                         %         %

                     7,735      37.99        1.80     6,454       39.34         1.56

                      250        1.23        0.18      175            1.07      0.13

                        96       0.47        0.18        94        0.57         0.17
                    10,490      51.52        3.22     8,059       49.12         2.70
                       310       1.52        0.21       306        1.87         0.24
                        83       0.41        0.10       118        0.72         0.16

                        –          –          –      75            0.46      0.11
                      570        2.80        0.58      576            3.51      0.70
                        –          –          –       –              –        –
                      826        4.06        0.44      549            3.34      0.33

                    20,360     100.00        1.31    16,406      100.00         1.14




                                        56
                         2014    6       30                     2013    12        31

                                     %          %                             %         %

                      7,551      37.76          1.78        6,319       39.27          1.55

                       249        1.25          0.18           175        1.09         0.13

                         94       0.47          0.17           95        0.59          0.17
                     10,485      52.43          3.43        8,055       50.06          2.81
                        305       1.52          0.23          305        1.89          0.26
                         83       0.41          0.10          118        0.73          0.16

                         –          –            –           75        0.47         0.11
                       570        2.85          0.59           576        3.58         0.71
                         –          –            –            –          –           –
                       661        3.31          0.49           373        2.32         0.32

                     19,998     100.00          1.37     16,091        100.00          1.19



                     89.5%                                                             24.31
  12.81                                         0.52    0.24




                                     0.75     0.35   0.06
0.11   0.06   0.12                                                     0.03




                                         57
                   2014           2013
                  6 30          12 31

                      41,254      35,325
       (1)
                      10,914      11,327
       (2)
                        (195)       (275)
(3)
                           –        (42)
                      (3,494)     (5,305)
                         165         224

                      48,644      41,254

 (1)

 (2)

 (3)




                   2014           2013
                  6  30         12 31

                      40,861      34,877
       (1)
                      10,908      11,245
       (2)
                        (194)       (271)
(3)
                           –        (30)
                      (3,478)     (5,169)
                         146         209

                      48,243      40,861

 (1)

 (2)

 (3)

             58
                                 486.44                              73.90

                                     192.68%        2.30%
13.94                                    0.17

                        109.14




                  3         3    1      1       5      5

         88,805 2,310,985 1,532,489         305,897        73,011   4,311,187
         99,635 2,688,837   889,709         341,430        44,878   4,064,489
        (10,830) (377,852)  642,780         (35,533)       28,133     246,698




                  3         3    1      1       5      5

        90,175 2,172,786 1,514,684          298,136        72,639   4,148,420
        91,637 2,590,987   852,576          335,664        41,584   3,912,448
        (1,462) (418,201)  662,108          (37,528)       31,055     235,972


                       59
                            2.44%
3.28%




         18,744    (24,223)    (15,750)    (21,229)
        (42,524)    38,622      15,732      11,830

        (23,780)   14,399           (18)    (9,399)




        (22,211)    (9,318)     (7,476)    (39,005)
         (4,674)     8,965       7,461      11,752

        (26,885)     (353)          (15)   (27,253)




        60
              3            3       1          1 5       5

(1,380,905)       88,153       321,756        347,640   364,939   505,115   246,698




              3            3       1          1 5       5

(1,339,902)       81,586       317,741        314,509   351,555   510,483   235,972




                                         61
     2013




62
63
    2013                                        2012          6




1    00762               (HK) 7,020,000.00     – 3,803,924.36           – 3,648,201.81     155,722.55

2    V       Visa Inc.          7,509,605.39   – 65,634,824.75   46,920.95 68,698,961.41 (3,064,136.66)

3    MA      Mastercard
             International       201,629.69    – 3,425,942.34     8,175.85 3,860,489.40     (434,547.06)

                               14,731,235.08      72,864,691.45   55,096.80 76,207,652.62 (3,342,961.17)




                                                         64
                                 113,750,000.00   87,500,000     2.99% 113,750,000.00           –   –

SWIFT                               161,127.66            35          –      497,691.48        –   –

JointElectronicTeller Services    4,535,347.33    16 (Class B)        – 4,088,901.15           –   –

Electronic Payment Services
  Company (HK) Ltd.              14,263,759.80             2          – 12,859,677.46          –   –

                                 132,710,234.79                            131,196,270.09       –   –

                                                                                                     1.97




                                                                                2014        8   26
     370




                                                                 65
  2013                      2014   7   16       A   2014   6
  3           H             2013
0.252                     117.90           2013
  2013             2013                 2013    A




         1%       2%




                          66
67
  58




             2014     3                                                  2013

                                              CBD Z15
                          165,193
1,040,715.86                                                   2019

           2014       2   1
1,117,573.08
                              2014   2    1
               1,117,570
             Z15




                                         2019      3    31


  2014   3     27




                                                       85.88
                      69.95          BBVA                        15.93




                          [2003]56
                    [2005]120




                                              68
2014                                        BBVA
                                     2014
                  A




       2014   3

                                                     2014
                                     0.6




       2014   3

                                                            2014
                                               6.7




       2014   3


                                      2014
                                5




       2014   3



                                                        2014

                                15
                      43




                           69
        2014   3




                   2014                                       8




        2014   3                         2013

                                            (1)


  (2)



(3)
                        2014                                      471




        2014   3                         2013




    2014
  36                                                    267
                   12                             800
                               63




                                    70
       BBVA



             2014   3   BBVA                          BBVA




                                                  2014

                               7
       14                            13




                               53              2.66




                                                 5%




             5%

            5%
2013                                      5%     5%




                                    71
         XV
                       352




                                   600,000      0.01%   2009.11.19–
                                         (L)
                                                         2014.11.18

                                  1,250,000     0.13%   2011.09.09–
                                         (L)
                                                         2014.09.08

                                  1,250,000     0.13%   2014.04.15-
                                         (L)
                                                         2016.04.14
(L)




      2014    6   30




 A.1.3                                     14                    167
                                   10




                  A.6.7




                             72
            2014




            2014




                                    2013
                                                10
                 12
27                                                              32
                                                               36
                                                          39

 21                                             2014




                                                 (+ –)


                             %                                                              %

                       0        0                          0         0                0        0
          46,787,327,034   100.00                          0         0   46,787,327,034   100.00
     1.   31,905,164,057    68.19                          0         0   31,905,164,057    68.19
     2.   14,882,162,977    31.81                          0         0   14,882,162,977    31.81
          46,787,327,034   100.00                          0         0   46,787,327,034   100.00
                                           73
                                             348,844             A                         310,049                H
     38,795




                                                                                    %

1                          (2)
                                                      A   H    31,325,081,973   66.95            0                   0   0
2                                                         H    12,005,185,847   25.66            0       4,633,235,911
3          (3)
                                                      A   H       338,513,209    0.72            0                   0
4                                                         H       168,599,268    0.36            0                   0
5                                                         A       106,040,604    0.23            0         106,040,604
6                                                         H        81,910,800    0.18            0                   0
7                                                         A        58,000,000    0.12            0          58,000,000

7                                                         A       58,000,000        0.12         0         58,000,000

9                                                         A       52,399,478        0.11         0         52,399,478
10                                                        A       45,394,612        0.10         0         45,394,612
     (1)         H                           H

     (2)                                                                  A     H              31,325,081,973            A
                     28,938,928,294      H       2,386,153,679

     (3)                                          A        H             338,513,209                 A     256,602,409   H
                     81,910,800

     (4)


     (5)         BBVA                                                                      H         4,631,945,376
                                  9.9%




                                                          74
                                                              336




                                                                                   %

BBVA                                           9,664,697,966(L)                64,94(L)
                                               2,689,393,270(S)                18.07(S)              H

BBVA                                       24,329,608,919(L)                   76.26L)               A

                                            9,604,697,966(L)                   64,54(L)              H
                                           28,938,928,294(L)                   90.70(L)              A

             (2)
                                            7,018,099,055(L)                   47.16(L)              H
                                           28,938,928,294(L)                   90.70(L)              A

                                            7,018,099,055(L)                   47.16(L)              H
                    (2)
                                           28,938,928,294(L)                   90.70(L)              A

       (1)         (L)          (S)

       (2)         2014   4    16
                                                                        100%
                              2014    8   25                                         2014   8   25



                                2014       6       30                              336

                    XV




2014     8     6

                     2014 8                    7                    www.sse.com.cn
             www.hkexnews.hk                                 bank.ecitic.com




                                                                       A 28,938,928,294
                          61.85%                             H   2,386,153,679
        5.10%                                                                          66.95%
                                                        75
                1979                                      2011
30




2014      4    16

                                                           100%
                                          2014        8   25
                       2014     8   25




                                         100%

                                                                        99.9%
                                         0.1%




                                                      66.95%




                                                      bank.ecitic.com
              www.hkexnews.hk                                                                   2014
                                                      bank.ecitic.com
              www.hkexnews.hk
                                                               2014
      bank.ecitic.com                                      www.sse.com.cn




                                                                                2014   6   30

              2014     6   30
     34


                                                 76
2014   6   30


                                6   30

                         2014            2013


                         102,280          75,198
                         (56,666)        (34,724)

                     3    45,614         40,474

                          13,497           8,581
                            (690)           (604)

                     4    12,807           7,977

                     5     2,712           1,170
                     6       800              73
                             168             380

                          62,101         50,074

                         (21,086)        (17,940)

                          41,015         32,134


                     7   (10,914)         (4,719)
                     7      (703)           (170)

                         (11,617)         (4,889)

                              (1)                1
                             106                (3)

                          29,503         27,243

                     8    (7,078)         (6,600)

                          22,425         20,643




                77
2014   6   30


                                6     30

                         2014              2013


                         22,425            20,643




                          3,399              (480)
                            148              (266)
                            (45)               12


                                (7)               –

                          3,495              (734)

                         25,920            19,909



                         22,034            20,391
                            391               252

                         22,425            20,643



                         25,476            19,769
                            444               140

                         25,920            19,909

                     9     0.47              0.44




                78
2014   6   30


                       2014        2013
                      6  30      12  31




                      597,719     496,476
                      137,642     131,711
                          673           –
                      110,202     122,314

                        20,033      11,018
                         7,210       7,749
                       384,382     286,767
                        21,428      15,545
                     2,070,500   1,899,921
                       185,935     177,960
                       158,781     154,849
                       563,697     300,158
                         2,260       2,176
                        13,520      13,734
                           358         363
                           279         277
                           800         792
                         8,519       8,434
                        27,249      10,949

                     4,311,187   3,641,193



                      790,134     559,667
                       39,558      41,952

                           615           –
                         6,561       6,853
                         8,999       7,949
                     3,053,213   2,651,678
                         9,169      10,500
                         4,826       4,355
                        35,178      28,143
                            39          71
                        88,086      76,869
                        28,111      22,431

                     4,064,489   3,410,468


                79
2014     6    30


                               2014        2013
                              6 30       12 31




                               46,787      46,787
                               49,496      49,503
                               (1,396)     (4,769)
                               15,495      15,495
                               44,340      44,340
                               86,934      76,690
                               (2,369)     (2,445)

                              239,287     225,601

                                 7,411       5,124

                              246,698     230,725

                             4,311,187   3,641,193

       2014    8   28




                        80
2014   6   30


                       2014        2013
                      6 30       12 31




                      595,904     494,316
                      136,844     124,860
                          673           –
                       86,542      98,414

                        20,021      10,966
                         4,905       5,866
                       384,382     286,816
                        20,811      14,976
                     1,952,085   1,798,983
                       165,701     160,636
                       158,781     154,788
                       563,697     300,158
                         9,986       9,986
                        12,976      13,188
                           357         363
                         8,524       8,410
                        26,231      10,251

                     4,148,420   3,492,977




                      803,775     571,234
                       38,791      38,512

                           615           –
                         4,807       5,620
                         7,327       6,468
                     2,915,043   2,529,488
                         8,717      10,043
                         4,437       4,199
                        34,529      27,552
                            35          71
                        67,801      56,439
                        26,571      19,995

                     3,912,448   3,269,621


                81
2014     6    30


                               2014        2013
                              6 30       12 31




                               46,787      46,787
                               51,630      51,637
                               (1,401)     (4,750)
                               15,495      15,495
                               44,250      44,250
                               79,211      69,937

                              235,972     223,356

                             4,148,420   3,492,977

       2014    8   28




                        82
           2014   6   30




2014 1 1                        46,787    49,214    289    (4,769)   15,495    44,340    76,690     (2,445)   5,124    230,725

                                     –        –     –       –         –        –   22,034         –      391     22,425
                                     –        –    (7)   3,373          –        –        –       76        53      3,495

                                     –        –    (7)   3,373          –        –   22,034        76      444      25,920

    1.                               –        –     –        –        –        –         –        –   1,825      1,825
    2.                               –        –     –        –        –        –         –        –      18         18



                           12        –        –     –        –        –        –   (11,790)        –       –   (11,790)

2014 6 30                       46,787    49,214    282    (1,396)   15,495    44,340    86,934     (2,369)   7,411    246,698




2012 12 31                      46,787    49,214    274     (185)    11,709    35,326    57,351     (2,120)   4,730    203,086
                                     –        –    18        –         –        –      (18)         –       –         –
2013 1 1                        46,787    49,214    292     (185)    11,709    35,326    57,333     (2,120)   4,730    203,086

                                     –        –     –       –         –        –   20,391         –      252     20,643
                                     –        –    (2)    (442)         –        –        –     (178)     (112)      (734)

                                     –        –    (2)    (442)         –        –   20,391      (178)     140      19,909

    1.                               –        –     –        –        –        –    (7,018)        –       –    (7,018)

2013 6 30                       46,787    49,214    290     (627)    11,709    35,326    70,706     (2,298)   4,870    215,977




2012 12 31                      46,787    49,214    274     (185)    11,709    35,326    57,351     (2,120)   4,730    203,086
                                     –        –    18        –         –        –      (18)         –       –         –
2013 1 1                        46,787    49,214    292     (185)    11,709    35,326    57,333     (2,120)   4,730    203,086

                                     –        –     –        –        –        –   39,175         –      542     39,717
                                     –        –    (3)   (4,584)        –        –        –     (325)     (148)    (5,060)

                                     –        –    (3)   (4,584)        –        –   39,175      (325)     394      34,657


    1.                               –        –     –        –    3,786         –    (3,786)        –       –         –
    2.                               –        –     –        –        –    9,014     (9,014)        –       –         –
    3.                               –        –     –        –        –        –    (7,018)        –       –    (7,018)

2013 12 31                      46,787    49,214    289    (4,769)   15,495    44,340    76,690     (2,445)   5,124    230,725




                                               83
2014   6   30


                             6   30

                      2014             2013



                       29,503           27,243

                         (631)             117
                         (275)             (48)
                            –             (14)
                         (329)             124
                       11,617            4,889
                        1,055              865
                        1,752            1,104
                          (63)             (22)
                       (7,916)          (7,427)

                       34,713           26,831



                      (31,979)         (61,080)
                       (8,425)          (5,558)
                       35,168           38,892

                      (14,057)          (9,045)

                          613                –
                      (97,642)        (148,627)
                     (165,984)        (167,010)
                     (263,639)         (84,232)
                      230,258           72,222
                       (2,746)          16,190
                        1,034            6,139
                      398,829          365,195
                      (20,209)          (3,311)
                       (5,862)             775

                       90,072           47,381




                84
    2014   6   30


                                 6   30

                          2014             2013




                         289,349          288,028

                                4               99
                               63               22
                         (289,320)        (325,980)

                           (1,102)          (1,041)

                           (1,006)         (38,872)



                           14,182            4,612
                            1,825                –
                               18                –
                           (3,000)          (5,408)
                           (2,182)          (2,096)

                           10,843           (2,892)

                          99,909            5,617
1    1                   199,643          336,828
                           3,128           (1,490)

6    30                  302,680          340,955




                           96,513           74,790

                          (47,456)         (33,035)




                    85
1

    2014    1   1
                                                 2013    12   31


                10                                                        12
                             27

                                             10




           32

       32                                               32


           36

       36




      39

       39


                        21




2

                                                                    2014       8        28

                 2410

                        2013      12   31
                                                                   2014    3       27




                                            86
3

                                                               6   30

                                                    2014                2013

                     (a)

                                                      3,686               3,387
                                                      3,651               3,100
                                                      3,047               2,656
                                                      7,230               4,738
                                                     14,865                 829

                                                     46,979              40,800
                                                     14,421              10,838
                                                      1,962               2,286
                                                      6,438               6,563
                                                          1                   1

                                                   102,280               75,198




                                                    (20,159)             (7,570)
                                                       (904)               (358)
                                                       (482)               (117)
                                                    (33,367)            (25,575)
                                                     (1,752)             (1,104)
                                                         (2)                  –

                                                    (56,666)            (34,724)


                                                     45,614              40,474




    (a)   2014   6   30
                           2.35   2013   6    30   1.30




                                         87
4

                               6   30

                     2014               2013




                      3,679              2,445
                      3,336              2,262
                      1,805              1,125
                      1,773                950
                      1,219                843
          (a)           810                542
                        783                407
                         92                  7

                     13,497              8,581

                       (690)              (604)

                     12,807              7,977




    (a)


5

                               6   30

                     2014               2013


                        663                201
                        696                784
                      1,313                184
                         14                  1
                         26                  –

                      2,712              1,170



6

                               6   30

                     2014               2013

                        656                (87)
                       (496)               136
                        640                 24

                        800                 73




                88
7

                                6   30

                      2014               2013


                          (7)                 1
                      10,914              4,719
                           5                 (9)
                          (4)               (82)
                          58                 57
                          79                (13)
                         472                216
                         100                  –

                      11,617              4,889

8

    (a)

                                6   30

                      2014               2013


                       8,074              6,825
                         223                146
                          12                  3

                      (1,231)              (374)

                       7,078              6,600

    (b)

                                6   30

                      2014               2013

                      29,503             27,243


                       7,376              6,811
                        (143)               (84)
                (i)      291                178


                        (343)              (275)
                        (103)               (30)

                       7,078              6,600




          (i)




                 89
9

     2013   2014   6   30
                            2013   2014   6     30


                                                                                             6   30

                                                                                2014                   2013

                                                                                    22,034             20,391
                                                                                    46,787             46,787
                                                                                      0.47               0.44


10




                                                               2014   6   30




                                          15              –          (7)              –         –        8
                                         688            522          (82)              7       (142)      993
                                      41,254         12,316       (1,402)            (30)    (3,494)   48,644
                                         157             11           (6)            (55)         –      107
                                          48              –          (4)              –         –       44
                                           –           100            –              –         –      100
                                         105             79            –             (3)         –      181
                                         645             63          (31)             20          –      697

                                      42,912         13,091       (1,532)            (61)    (3,636)   50,774


                                                                 2013     12   31




                                           8              7            –              –         –       15
                                         242            702          (83)            (59)      (114)      688
                                      35,325         15,734       (4,407)            (93)    (5,305)   41,254
                                         149             29          (18)             (3)         –      157
                                         130              –         (85)              3          –       48
                                           –             –           –              –         –        –
                                         167              7          (23)             (7)       (39)      105
                                         647             68          (34)            (11)       (25)      645

                                      36,668         16,547       (4,650)           (170)    (5,483)   42,912




                                     90
10




                         2014   6   30




         15         –          (7)              –        –        8
        688       522          (82)              7      (142)      993
     40,861    12,268       (1,360)            (48)   (3,478)   48,243
        124         –          (6)            (45)        –       73
         48         –          (4)              –        –       44
          –      100            –              –        –      100
        105        79            –             (3)        –      181
        644        63          (30)             19         –      696

     42,485    13,032       (1,489)            (70)   (3,620)   50,338


                           2013     12   31




          8         7            –              –        –       15
        242       702          (83)            (59)     (114)      688
     34,877    15,612       (4,367)            (92)   (5,169)   40,861
        144         –         (18)             (2)        –      124
        130         –         (85)              3         –       48
          –        –           –              –        –        –
        167         7          (23)             (7)      (39)      105
        646        68          (34)            (11)      (25)      644

     36,214    16,396       (4,610)           (168)   (5,347)   42,485




          7




     91
11

     (a)




                                        2014        2013        2014        2013
                                       6 30       12 31        6 30       12 31




                 1                     103,582       86,470      38,721      37,076
                 1                      48,089       50,861      46,786      50,063

                                       151,671     137,331      85,507      87,139

                                       119,024     114,950     117,825     109,999
                                       191,451     199,762     184,684     191,454
                                       760,452     695,944     758,191     692,522
                                       120,317      95,217     114,094      89,589

                                      1,342,915   1,243,204   1,260,301   1,170,703


     (b)


                                        2014        2013        2014        2013
                                       6 30       12 31        6 30       12 31

                                       460,179     428,172     456,054     423,022


           (i)
                     0%   150%




                                 92
11

     (c)




                                          2014           2013             2014                 2013
                                         6 30          12 31             6 30                12 31

                                           2,752            2,715             2,727                2,695
                                             416               12               416                   12

     (d)

                                                                1    5




                                          2014           2013             2014                 2013
                                         6 30          12 31             6 30                12 31

                                           2,345            2,733             2,154                2,536
                                           2,424            2,534             2,258                2,353
                                           2,207            2,235             2,070                2,086
                                           3,463            3,682             3,244                3,447
                                           5,898            3,591             5,685                3,328

                                          16,337           14,775            15,411               13,750

     (e)

           2014   6    30                                            2.66             2013    12      31
                      3.58
                             0.39        2013    12   31            0.71


     (f)




                                                                             2014                 2013
                                                                         6     30            12     31

                                                                              3,634                3,792




     (g)




                                    93
12

           2014   5     21     2013                      2013   12   31
                      10     2.52            117.90   2014 7    17

13




     (a)




                                      2013




                                       94
13

     (a)

                                 2014      6     30




                    23,896      9,315            11,800        603       45,614
                     4,822     (2,408)           (1,524)      (890)           –

                    28,718      6,907            10,276       (287)      45,614

                     2,868      4,505             5,358         76       12,807
           i           137         42             2,738        763        3,680

                    31,723     11,454            18,372        552       62,101

                      (619)      (191)             (204)       (41)      (1,055)
                    (9,852)    (8,150)           (1,544)      (485)     (20,031)
                    (7,861)    (2,762)             (554)      (440)     (11,617)
                         –         –                –        (1)          (1)
                         –         –                –       106          106

                    13,391        351            16,070       (309)      29,503


                      173         266                 14       118          571


                                         2014     6   30




               1,848,443      654,409      1,678,980        118,576    4,300,408
                       –           –             –         2,260        2,260
                                                                           8,519

                                                                       4,311,187


               2,510,246      629,664           847,815      76,764    4,064,489

                                                                       4,064,489


               1,222,598      120,317                  –         –   1,342,915




               95
13

     (a)

                                     2013    6    30




                        22,271      7,741         10,034       428       40,474
                         5,864     (1,133)        (5,316)      585            –

                        28,135      6,608          4,718      1,013      40,474

                         1,326      2,955          3,709       (13)        7,977
               i            97         45          1,254       227         1,623

                        29,558      9,608          9,681      1,227      50,074

                          (387)      (356)           (64)      (58)        (865)
                        (8,845)    (6,350)        (1,479)     (401)     (17,075)
                        (3,303)    (1,219)          (173)     (194)      (4,889)
                             –         –             –        1            1
                             –         –             –       (3)          (3)

                        17,023      1,683          7,965       572       27,243


                          394         363              41       20          818


                                         2013     12   31




                   1,705,515      595,217    1,307,446       22,405    3,630,583
                           –           –           –       2,176        2,176
                                                                           8,434

                                                                       3,641,193


                   2,166,596      537,464        632,937     73,471    3,410,468

                                                                       3,410,468


                   1,147,987       95,217               –        –   1,243,204


           i




                   96
13

     (b)

                     30




           –


           –


           –


           –

           –


           –

           –

           –




                97
13

     (b)

                                                           2014 6 30




                 7,443      6,355      5,127      5,477       5,203        1,108       13,788      1,113             –     45,614
                 1,333       (436)     3,324        866         566          143       (6,387)       591             –          –

                 8,776      5,919      8,451      6,343       5,769        1,251        7,401      1,704             –     45,614

                 2,057      1,392      2,149      1,297       1,414         300         3,798       400              –     12,807
           i       572        237        515         99         134          25         1,642       456              –      3,680

                11,405      7,548     11,115      7,739       7,317        1,576       12,841      2,560             –     62,101


                  (170)      (112)      (201)      (116)       (121)         (33)        (210)       (92)            –      (1,055)
                (3,961)    (2,538)    (3,977)    (2,614)     (2,474)        (554)      (2,952)      (961)            –     (20,031)
                (5,343)    (2,223)    (2,396)      (656)       (493)        (361)        (132)       (13)            –     (11,617)
                     –         –         –         –          –           –           –        (1)            –          (1)
                     –         –         –         –          –           –           –       106             –         106

                 1,931      2,675      4,541      4,353       4,229         628         9,547      1,599             –     29,503


                    61         69          62        73          29          13           218        46              –        571


                                                              2014 6 30




               958,992    623,960    958,837    526,064     573,491    108,108      1,444,932    186,626    (1,080,602)   4,300,408
                     –         –         –         –          –         –             –     2,260             –       2,260
                                                                                                                              8,519

                                                                                                                          4,311,187


               953,923    619,848    950,850    521,251     567,911    106,689      1,256,467    168,381    (1,080,831)   4,064,489

                                                                                                                          4,064,489


               318,767    171,313    275,308    200,165     152,963       28,060     114,094      82,245             –   1,342,915




                                      98
13

     (b)

                                                               2013 6 30




                     6,509      4,680      5,334      4,420       4,913       1,276      12,402       940            –     40,474
                     2,133        576      2,643      1,180          76          15      (6,887)      264            –          –

                     8,642      5,256      7,977      5,600       4,989       1,291       5,515      1,204           –     40,474


                     1,504        576      1,462        932         823        283        2,121       276            –      7,977
               i       273        135        296        101          55         18          316       429            –      1,623

                    10,419      5,967      9,735      6,633       5,867       1,592       7,952      1,909           –     50,074


                      (154)       (83)      (171)       (89)        (89)       (26)        (174)       (79)          –        (865)
                    (3,865)    (2,188)    (3,335)    (2,312)     (2,005)      (484)      (2,078)      (808)          –     (17,075)
                    (2,876)      (623)      (770)      (265)       (366)       (34)          68        (23)          –      (4,889)
                         –         –         –         –          –         –           –         1           –           1
                         –         –         –         –          –         –           –        (3)          –          (3)

                     3,524      3,073      5,459      3,967       3,407       1,048       5,768       997            –     27,243


                        43         29          65        32         498          9          112        30            –        818


                                                                 2013 12 31




                   771,024    549,279    851,490    455,064     446,164    99,848     1,114,858    168,881    (826,025)   3,630,583
                         –         –         –         –          –        –            –     2,176           –       2,176
                                                                                                                              8,434

                                                                                                                          3,641,193


                   767,235    542,146    839,582    447,303     438,613    97,957      949,745     153,933    (826,046)   3,410,468

                                                                                                                          3,410,468


                   296,680    162,977    280,094    184,939     131,909    24,515        89,589     72,501           –   1,243,204


           i




                                          99
14

       2014 8 6
     2014 8 25


      2014   8   26   370         6.13%   10
                                   5




                            100
BBVA   Banco Bilbao Vizcaya Argentaria S.A.




                              2011    12    27




                                     2014   8    6



                101
2014    6    30   6




       102
      Gonzalo José Torao Vallina




103