* 155

Transcription

1 BANK OF CHONGQING CO., LTD.* 重慶銀行股份有限公司 * ( 於中華人民共和國註冊成立的股份有限公司 ) ( 股份代號 :1963) 二零一五年年度報告

2 * 155

3

4 Bank of Chongqing Co., Ltd Y B0206H H H

5 (%) 15,507,610 13,236, ,467,150 8,308,816 6,107,357 (8,505,537) (7,004,455) 21.4 (5,288,532) (4,159,185) (2,785,858) 7,002,073 6,231, ,178,618 4,149,631 3,321,499 1,512, , , , ,812 78, ,566 (77.1) 51, ,619 (40,253) 8,592,581 7,483, ,874,500 4,657,296 3,571,058 (3,190,171) (2,805,275) 13.7 (2,282,772) (1,900,021) (1,449,449) (1,135,300) (889,566) 27.6 (535,718) (241,054) (184,869) 4,267,110 3,788, ,056,010 2,516,221 1,936,740 2,809 2, ,435 1,162 (227) 4,269,919 3,790, ,057,445 2,517,383 1,936,513 (1,099,858) (963,161) 14.2 (728,179) (592,578) (448,358) 3,170,061 2,827, ,329,266 1,924,805 1,488,155 3,170,061 2,827, ,329,266 1,924,805 1,488, (0.008) (%) 319,807, ,531, ,787, ,163, ,339, ,816, ,114, ,637,824 75,256,873 62,824, ,514, ,628, ,307, ,905, ,886, ,298, ,932, ,801, ,043,185 89,306,554 3,127,055 2,705, ,705,228 2,020,619 2,020,619 21,292,995 15,903, ,479,271 8,258,350 6,453,164 21,292,995 15,903, ,479,271 8,258,350 6,453,164 3

6 (%) (1) (0.10) (2) (2.2) (3) (0.27) (4) (0.29) (5) (0.33) (%) (6) (7) (74.89) (8) (%) (9) (9) (%) (10) (0.79) (11) (12) (0.62) (13)

7 (1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) 5

8 H , , , % 18.7% 17.0%12.1% %

9

10 董事長致辭 甘為民 董事長 年度報告 2015 年 8

11

12 行長致辭 冉海陵 執行董事及行長 年度報告 年度報告 年 年 10

13

14 % % 1.4% (M2)13.3% (M1) %(M0) % % % % % % , % % 11.3%

15 11.5% 27,2398.3% 6, % , % 28, % % % % %

16

17 % , % , % 0.97% 1.00% , % % 2015 H % 10.49%

18 (%) 15,507,610 13,236,153 2,271, (8,505,537) (7,004,455) (1,501,082) ,002,073 6,231, , ,512, , , , ,189 (136,420) (85.2) (10,243) 150,637 (160,880) 64,929 31,740 33, ,592,581 7,483,110 1,109, (3,190,171) (2,805,275) (384,896) 13.7 (1,135,300) (889,566) (245,734) ,809 2, ,269,919 3,790, , (1,099,858) (963,161) (136,697) ,170,061 2,827, , % % % % % % % 81.49% (%) 15,507,610 13,236,153 2,271, (8,505,537) (7,004,455) (1,501,082) ,002,073 6,231, ,

19 (%) (%) 115,689,037 7,545, ,669,642 7,173, ,080,518 5,561, ,093,497 3,481, ,120, , ,733, , ,327,053 1,712, ,418,038 1,754, ,518, , ,610, , ,735,785 15,507, ,525,814 13,236, ,781,243 5,003, ,277,356 4,405, ,062,327 3,139, ,010,762 2,380, ,066, , ,049, , ,910,365 8,505, ,337,433 7,004, ,002,073 6,231,698 (1) (2) (1) (2) 17

20 % % % % 1,044,844 (672,775) 372,069 2,007,262 72,837 2,080,099 5,954 3,161 9, ,960 (502,635) (42,675) (161,691) 14,540 (147,151) 3,356,329 (1,084,872) 2,271, ,942 (48,619) 598,323 1,155,484 (397,004) 758, ,635 (36,356) 144,279 1,983,061 (481,979) 1,501,

21 % (%) (%) 115,689,037 7,545, ,669,642 7,173, ,080,518 5,561, ,093,497 3,481, ,120, , ,733, , ,327,053 1,712, ,418,038 1,754, ,518, , ,610, , ,735,785 15,507, ,525,814 13,236, % 16.1% % 56.5%13 19

22 % 1.2% (%) (%) 6,800, , ,099,455 85, ,526,257 1,488, ,318,583 1,668, ,327,053 1,712, ,418,038 1,754, %119.4% % 28.0% , %

23 % % % (%) (%) 51,605, , ,069, , ,118,303 2,925, ,702,755 2,625, ,723,565 3,396, ,772,274 3,059, ,368,605 36, ,311,856 33, ,550,934 1,050, ,902, , ,919,539 1,087, ,214, , ,138, , ,290, , ,781,243 5,003, ,277,356 4,405, % 14.8%3 21

24 (%) (%) 43,899,128 2,255, ,141,151 1,596, ,343,796 98, ,190,645 56, ,819, , ,678, , ,062,327 3,139, ,010,762 2,380, % 58.2% (%) (%) 794,758 54, ,049,315 72, ,991, , ,000, , ,281, , ,066, , ,049, , % (1) (2) (3)

25 % % % % (%) 1,589, , , , ,436 (79,492) (24.1) 436, , , , , , , ,007 60, ,251 45,313 8, ,586 44,218 20, (77,346) (66,011) (11,335) ,512, , ,

26 % % % % 6, %2, % , % % % , % 5, % 6, , % (1) (2)

27 , % , % (%) 23,901 23, (132) 136,364 (136,496) 23, ,189 (136,420) (85.2) , (%) (11,591) 67,294 (78,885) 1,348 83,343 (81,995) (98.4) (10,243) 150,637 (160,880) 25

28 % (%) 1,626,120 1,324, , , ,663 69, , ,803 16, , ,708 (3,131) (0.4) 126, , ,190,171 2,805, , % 47.20% (%) 1,223, , , , ,313 13, ,524 61,780 15, ,128 27,336 4, , ,104 1, ,626,120 1,324, , % (1) 14.9% (2) , % , %

29 , % % % (%) 1,013, , , , ,838 98, , , , , ,172 (37,058) (24.0) 4,767 3,371 1, ,135, , , ,405 24,370 2,809 2,035 29,214 26, , % % 27

30 9. 25% % 25.41% (%) 4,269,919 3,790, , % 1,067, , , (57,049) (49,332) (7,717) ,014 66,082 24, (1,587) (1,165) (422) ,099, , ,

31 (%) (%) 124,769, ,448, (2,952,934) (0.9) (2,334,095) (0.9) 121,816, ,114, (1) 105,795, ,979, , , ,201, ,699, ,856, ,409, ,312, ,798, ,627, ,396, , , ,662, ,789, ,807, ,531, (1) , % 1, % 1, % 29

32 % % (1) % (2) % (%) (%) 84,276, ,031, ,120, ,866, ,012, ,339, ,848, ,876, ,924, ,253, ,586, ,080, ,769, ,448, , % % % %

33 % % % 2, % % % (%) (%) 70,150, ,197, ,562, ,515, ,291, ,350, ,763, ,385, ,769, ,448, ,072, ,315 1,750, , , , , ,349 (427,535) (75,265) (72,262) (104,164) 420, , , ,185 (59,493) (28,975) (345,552) (236,990) 10,465 1,545 2,492, ,142 2,072, ,315 31

34 % % (%) (%) 2,312, ,798, ,312, ,798, ,188, ,086, ,411, ,737, ,615, ,718, , , (271,286) (0.3) (154,172) (0.2) 73,008, ,388, ,079, ,028, ,140, ,544, , , , , , , ,970, ,293, ,515, ,051, ,835, ,779, , , , , ,816, ,297, ,108, ,777,

35 2015 1, % % % % % (%) (%) 73,235, ,635, ,298, ,932, ,218, ,056, , , ,490, ,785, ,514, ,628, , % % % %

36 (%) (%) 57,102, ,920, ,426, ,523, ,979, ,015, ,197, ,974, ,593, ,498, ,298, ,932, ,619, ,585, , % 1, % % % 1, % (%) (%) , , ,992, ,989, ,702, ,490, ,785, [2011] %

37 [2012] % (%) (%) 3,586, ,918, ,777, ,311, ,682, ,385, ,000, ,500, ,188, ,939, ,581, ,235, ,635, % % % % % %

38 (%) (%) 3,127, ,705, ,680, ,444, ,337, ,798, ,148, ,954, ,292, ,903, (1) 3.17 (2) %

39 (%) (%) 118,258, ,463, ,300, ,253, , , , , , , ,769, ,448, ,210, , % %

40 (%) (%) (%) (%) 16,488, , ,318, , ,105, , ,018, , ,109, , ,346, , ,082, ,362, ,999, , ,283, ,596, ,960, ,013, ,945, , ,666, , ,399, , ,021, , ,733, ,424, , ,167, , , , , , , , , , , , , , , , , , , ,147, ,197, , , , ,120, ,866, ,371, , ,550, , ,769, ,210, ,448, ,

41 (1) (2) 2, , , ,

42 1.17% % % 30.79% (1) (%) <= (%) <= (2) 2015 (%) A 940, B 845, C 834, D 790, E 732, F 700, G 679, H 655, I 560, J 500,

43 (%) (%) 84,276, , ,031, , ,125, , ,885, , ,151, , ,145, , ,371, , ,550, , (1) 17,880,109 63, ,994,619 30, ,586, , ,080,283 74, (2) 6,905,701 58, ,475,809 22, ,120,780 4,866, ,769,386 1,210, ,448, , (1) (2) % % 41

44 (%) (%) 90 1,911, , ,079, , , , , ,503, ,479, %

45 ,242, ,151 4,459,922 7,002,073 2,029, ,638 (2,557,156) 4,271, ,789 1,902,766 7,002, , , ,248 1,512, ,089, ,154 3,463,293 6,231,698 2,130, ,782 (2,624,081) 4,219,550 1,172, ,212 6,231, , , , % %1.95 3, % % ,116,877 2,116,877 32,982, ,279 33,582,859 60, ,211 24, , ,898 34, ,263 35,505, ,855 24,901 36,275,177 43

46 ,078,065 1,078,065 40,102, ,227 40,482,262 51,549 85,366 18, , ,265 47, ,301 41,738, ,629 18,796 42,270, (%) 2,242,000 2,089, ,029,518 2,130,299 (4.7) 4,271,518 4,219, , ,196 (53.3) 655 5,366 (87.8) (920,274) (459,757) (1,713,171) (1,806,118) (5.1) (82,342) (88,078) (6.5) (1,630,829) (1,718,040) (5.1) 1,985,602 2,701,237 (26.5) 148, ,321 (21.8) 119,491, ,186, ,895,183 (143,750,589)

47 , % % 1, % % , % % 45

48 % % 20,0502, % % 18, IPC % 7, % 12.90% (1)

49 (2) (3) (4) 47

50 (%) 300, ,154 (55.8) 527, , ,789 1,172,936 (29.4) 176, , ,505 3, (93,145) (272,266) (65.8) (898,535) (613,970) 46.3 (43,187) (29,941) 44.2 (855,348) (584,029) , ,728 (95.5) 55,097 56,333 (2.2) 44,447,139 32,786, (42,314,118) (28,811,408) %

51 2015 2, IC IC IC (%) 4,459,922 3,463, (2,557,156) (2,624,081) (2.6) 1,902, , ,248 23, ,189 (85.2) (10,243) 150,637 (106.8) 2,809 2, ,809 12, (117,114) (154,172) (24.0) (566,389) (364,950) 55.2 (27,223) (17,797) 53.0 (539,166) (347,153) ,238, , , ,489 (14.6) 155,358, ,236, (90,304,091) (86,066,886)

52 (%) (%) 13,816, ,297, ,008, ,388, ,312, ,798, ,478, ,002, ,616, ,486, (%) (%) AAA 1,699, ,077, AA- AA+ 12,128, ,736, ,788, ,672, ,616, ,486, AAAA

53 (%) (%) 3 16,956, ,700, ,555, ,273, ,001, ,259, ,103, ,253, ,616, ,486, ,060, , , , , , , , , ,

54 ATM (1) , % , % , % % (2) , % % % (3) , ,

55 IT 12 IT DDOS IC ATM 21 IC IC IC 53

56 , % ,405 24,370 2,809 2,035 29,214 26, , % % 2, % % % , % % % % % % % 5 2, % % 1, % 2, %

57 E-learning M-learning

58

59 (VaR)

60 (65,332,161) 8,425,035 (7,076,621) (18,139,998) 46,748,249 48,274,503 30,277,998 2,883,877 46,060, (56,910,723) 8,100,572 (4,402,242) (212,423) 20,747,938 49,294,762 31,353,689 1,325,341 49,296, ,132,802 30,051, ,906,971 31,902,646 (%)

61 % % 70% 80% 90% % FTP 59

62 ,587, ,162 38,201,369 26,414,111 12,291,487 6,824, ,295 45,856, ,901 50, ,368 1,145, ,623 2,312,586 57,135,847 11,490,085 37,199,912 15,129, , ,816,452 4,816,563 7,137,716 26,412,164 33,812, ,270 73,008,214 1,476,120 3,050,782 3,473,817 7,243,881 3,233, ,416 18,970,967 75, , ,945 4,799,016 8,271,764 13,816,724 29,214 29,214 2,025,860 2,025, ,734,749 34,140,139 74,579,869 62,456,337 13,965,196 3,161, ,037,942 26,485,049 16,852,628 29,303, ,000 94,607 73,235,555 80,049,717 17,292,181 67,048,222 34,903,451 5, ,298,705 5,145,828 9,556,538 2,992, ,902 18,490,742 5,927,271 5,927, ,534,766 39,290, ,908,031 38,395, ,643 5,927, ,952,273 21,199,983 (5,150,498) (31,328,162) 24,060,412 13,069,553 (2,765,619) 19,085,

63 ,059, ,506 35,699,093 30,183,206 14,566,481 9,209, ,060 54,409,453 29,969 24,646 2,265,196 2,478,399 4,798,210 67,839,475 9,156,771 22,015,899 3,136,390 1,966, ,114, ,799 4,043,881 13,076,622 35,487,075 53,388, , ,480 3,031,302 3,195,743 2,651, ,122 10,293, ,003 2,316,280 4,601,357 7,297,640 26,405 26,405 1,442,841 1,442, ,382,319 28,401,582 47,738,178 46,850,744 11,697,781 2,399, ,470,478 33,115,383 19,725,009 26,379,353 2,300, ,979 81,635,724 70,834,890 16,251,782 39,226,135 41,596,966 22, ,932,436 3,785,076 3,785,076 4,495,548 4,495, ,950,273 35,976,791 65,605,488 47,682, ,642 4,495, ,848,784 30,432,046 (7,575,209) (17,867,310) (831,298) 11,559,139 (2,095,674) 13,621,

64 , , (42,712) (161,435) (370,886) (281,050) , , % % 26,846 3,660 1% (26,846) (3,660)

65 ,127,055 2,705,228 5,069,141 2,535,235 4,948,796 3,707,640 8,148,003 6,954,920 (91,429) (84,564) 21,201,566 15,818,459 2,302,606 2,244,252 23,504,172 18,062, ,521, ,034,150 10,258,298 13,996, ,779, ,030,934 2,737,443 5,048,619 13,594,516 11,158, ,111, ,237, ,111, ,237,

66 11.63% % 0.86(1) ,827,300H3,226,978, (2) H ( % (%) ,292,995 15,903,023 91,429 84,564 21,201,566 15,818, ,776, ,531,145 34,390,698 41,560, ,166, ,091,472 10%

67 , H H (National Holdings Group Company Limited) 810,000,000H H H ,827,300H 3,226,978, ,694,430, H ,657,842,

68 5% H H 5%

69 ,491,146, % 1,491,146, % (1) 1,023,415, % 1,023,415, % 467,730, % 467,730, % 2. 56,887, % 56,887, % 34,779, % 34,779, % 22,108, % 22,108, % 3. H 1,157,193, % 421,827, ,827,300 1,579,020, % 2,705,227, % 421,827, ,827,300 3,127,054, % (1) 72 3,127,054,8051,548,033,993H1,579,020,812 H 421,827,300 67

70 407,010, % 0 171,339, % 0 139,838, % 0 139,838, % 0 129,564, % 0 94,506, % 0 68,602, % 68,600,000 37,456, % 0 29,942, % 0 24,191, % 0 1,242,291, % 68,600, H H H (%) (%) (1) 458,574, (1) 458,574, (1) 458,574, HSBC International Trustee Limited (5) 458,574, (1) 458,574,

71 H H (%) (%) (1) 458,574, (2) 210,913, (2) 210,913, (3) 166,685, (3) 166,685, (3) 166,685, (3) 166,685, (3) 166,685, (3) 尹明善 166,685, (3) 166,685, (4) 150,000, ,570, ,823, (4) 67,570,

72 (1) 458,574,853 H 74.57%40.97% (2) 210,913,650 H (3) 尹明善 ,685,500 H 49.40% 75% 尹明善 51% 尹明善 尹明善 (4) 150,000,000 H67,570,150 H (5) 37.66% (1) 5% 461,260,187458,574,853296,250,432217,570,150210,913,650171,339, % 14.66% 9.47% 6.96% 6.74% 5.48% 5% 5% 10%

73

74

75 , % 73

76 (1976)

77

78

79

80

81

82

83

84

85

86 EMBA

87

88 , ,001-1,000, ,000,001-1,500,

89 H 6 H H 87

90 H D

91 89 10% 30%

92 2/

93 10/0/10 7/0/7 8/0/8 2/0/2 9/1/10 6/0/7 6/0/8 4/0/4 1/0/ /1/3 2/0/2 1/0/1 0/0/0 10/0/10 8/0/8 4/0/4 1/0/2 10/0/10 7/0/7 4/0/4 2/0/ /5/10 4/0/7 1/0/2 7/3/10 6/0/8 0/0/2 9/1/10 8/0/8 4/0/4 3/0/3 1/0/2 9/1/10 4/0/4 3/0/3 7/0/7 1/0/2 9/1/10 8/0/8 8/0/8 3/0/3 2/0/2 10/0/10 8/0/8 8/0/8 3/0/3 2/0/2 9/1/10 4/0/4 3/0/3 3/0/3 2/0/2 10/0/10 7/0/8 3/0/4 3/0/3 2/0/3 1/0/2 10/0/10 4/0/4 3/0/3 3/0/3 4/0/4 2/0/

94

95 (2) 3.21 C

96 3. (1) 4. (2) (1) (2) (3) (3) (4) (5) (4) (5) (6)

97 (2) (3) (4) 10. (1)

98

99

100 (1) (2) (3) (4)

101 (5) (1) (2) (3) (4) (5) 99

102 (6) (7) (8) (9) 2. (1) (2) (3) (5) 3. (1) (2) (3) (4) (5) (4)

103

104

105 5/0/5 6/1/7 1/1/2 7/0/7 4/1/5 7/0/7 1/5/6 1/0/1 6/1/7 5/2/7 7/0/

106

107

108 IT

109 (i)(ii) % 10% % (23) (23) [email protected] ( ( 107

110 H (852) (852) (23) (23) B0206H Y

111 , % % % 20%20.2% % 38.1% % 17.60%

112 PPP 2.8 1%

113 %

114 ,821, H ,542, H H H H H % 26.02% 7.35%

115 H H H H H H

116 421,827,300 H H 1,579,020,812 3,127,054,805 H H H XV 352 (%) 45, % 123, % 60, % 104, % 28, % 144, %

117 A A ,000, ,599, ,783, % 115

118 A 0.1% 5% 14A A 14A 14A H

119 H H 10% [2011]348 H H 10% H [2009]124 10% H 10% 10%20% H 20% H 20%

120

121 H

122

123

124

125

126

127 ,507,610 13,236,153 (8,505,537) (7,004,455) 5 7,002,073 6,231,698 1,589, ,857 (77,346) (66,011) 6 1,512, , , , (10,243) 150, ,929 31,740 8,592,581 7,483,110 9 (3,190,171) (2,805,275) 11 (1,135,300) (889,566) 4,267,110 3,788, ,809 2,035 4,269,919 3,790, (1,099,858) (963,161) 3,170,061 2,827,143 3,170,061 2,827,

128 ,170,061 2,827, , ,884 (100,120) (67,971) 300, ,913 (3,292) (1,777) (2,469) (1,333) , ,580 3,467,952 3,029, , ,

129 ,201,369 35,699, ,856,556 54,409, ,312,586 4,798, ,816, ,114, ,008,214 53,388,377 18,970,967 10,293,703 13,816,724 7,297, ,214 26, ,627,007 2,396, , , ,662,978 1,789, ,807, ,531, ,235,555 81,635, ,298, ,932, ,218,001 5,056, , , ,490,742 3,785, ,514, ,628, ,127,055 2,705, ,680,638 2,444, ,337,299 3,798,252 8,148,003 6,954,920 21,292,995 15,903, ,807, ,531,

130 ,705,228 2,444, ,494 1,843,080 (113,543) 1,575 5,675,814 13,479,271 2,827,143 2,827, ,913 (1,333) 202, ,913 (1,333) 2,827,143 3,029, (605,971) (605,971) 282, ,352 (942,066) ,705,228 2,444,623 1,205,208 2,502,432 90, ,954,920 15,903, ,705,228 2,444,623 1,205,208 2,502,432 90, ,954,920 15,903,023 3,170,061 3,170, ,360 (2,469) 297, ,360 (2,469) 3,170,061 3,467, ,827 2,236,015 2,657, (735,822) (735,822) 317, ,150 (1,241,156) ,127,055 4,680,638 1,522,214 3,426, ,730 (2,227) 8,148,003 21,292,

131 ,269,919 3,790, , ,803 1,013, , , ,543 (325) (650) 10,243 (150,637) (2,809) (2,035) (5,755,798) (3,822,850) 362, , ,667 (3,334,802) (844,209) 829,532 13,016,520 (25,102,735) (18,320,535) (16,210,817) (1,284,724) (13,157) 668, , ,919 20,373,828 (9,332,760) 27,052,444 31,366,270 19,131,391 2,103,780 2,359,355 (1,334,741) (999,787) 16,716,424 25,604,

132 ,809 10,000 24,559 4,918 (396,433) (471,697) 181,257, ,535,297 (207,558,874) (127,465,628) (26,658,836) (26,387,110) 2,657,843 21,040,847 (6,500,000) (1,000,000) (197,800) (70,654) (735,822) (605,157) 16,265,068 (1,675,811) 40,701 (6,804) 6,363,357 (2,465,669) 11,754,912 14,220, ,118,269 11,754,

133 1 ) [1996] [1998] [2007] )

134 (IFRS 16) IFRS IFRS

135 % 50% 2.3 a) b) (i) (ii) (iii) c) 133

136 2 2.3 d)

137 2 2.4 a) 135

138 2 2.4 a)

139 2 2.4 b) 50%50% 20%20%50% 137

140 2 2.5 a) b)

141 ()

142 % 3.2% 5 3.0% 19.4% 5 3.0% 19.4% 5 3.0% 19.4%

143

144 % 3.2%

145

146 a) b)

147

148 (1) (2) (3)

149 (a) 147

150 (a) (b)

151 (a) (b) 149

152 (b) A+ A+ A+ BBB

153 % 70% 50% 60% 70% 70% 40%

154

155 ,587,207 35,059,587 45,856,556 54,409,453 2,312,586 4,798,210 86,354,908 72,303,701 35,461,544 31,811,055 73,008,214 53,388,377 18,478,537 10,002,567 13,816,724 7,297,640 2,025,860 1,439, ,902, ,509,734 33,582,859 40,482,262 2,116,877 1,078,065 35,699,736 41,560, % % % % 79.06% % 97.19% % 153 1,210, , % %

156 ,361,760 4,899,278 99,410,622 5,523,583 2,298, ,666 1,210, , ,870,108 4,899, ,925,268 5,523,583 (2,437,920) (54,872) (2,010,915) (61,865) (460,142) (261,315) (2,898,062) (54,872) (2,272,230) (61,865) 116,972,046 4,844,406 98,653,038 5,461,718 (a) ,412,544 3,127,251 80,539,795 4,120,780 4,120, , ,498 82,311,822 3,127,251 85,439,073 35,465, ,411 35,821, ,777,376 3,483, ,261,

157 (a) ,702,645 1,331,873 67,034,518 4,866,911 4,866, , ,672 71,226,228 1,331,873 72,558,101 32,178, ,433 32,376, ,404,899 1,529, ,934,205 (b) , , , ,074 2,075, ,999 54,004 53,690 6, , , , , ,263 2,298, , ,235 64,992 50, ,000 32,226 13,085 1, , , ,320 66,345 50, ,

158 (c) ,210, , , , , ,941 1,210, , , , ,021 68, , ,

159 (d) , (e) % % 94,550, % 78,752, % 13,271, % 12,367, % 10,476, % 8,511, % 6,470, % 6,817, % 124,769, % 106,448, % 157

160 (f) % % 16,488, ,318, ,105, ,018, ,082, ,362, ,109, ,346, ,596, ,960, ,999, ,283, ,147, ,197, ,013, ,945, ,666, ,399, ,021, ,733, ,424, ,167, , , , , , , , , , , , , , , , , ,120, ,866, ,397, ,898, ,012, ,339, ,586, ,080, ,848, ,876, ,924, ,253, ,371, ,550, ,769, ,448,

161 (g) ,150,924 54,197,524 12,562,758 13,515,506 35,291,775 34,350,040 6,763,929 4,385, ,769, ,448, (S&P) 2015 AAA 13,882 1,449, ,000 1,699,466 AA- AA+ 10,168, ,000 1,730,138 12,128,583 (a) 72,994,332 6,860,508 13,350, ,448 93,788,012 73,008,214 18,478,537 13,816,724 2,312, ,616,

162 AAA 71, , ,000 50,859 1,077,859 AA- AA+ 12,000 4,400, ,000 4,093,819 8,736,221 (a) 53,305,377 4,882,165 6,831, ,532 65,672,714 53,388,377 10,002,567 7,297,640 4,798,210 75,486,794 (a) , , ,468 8,983 1,079 1,080 21,547 10,

163 ,587,207 37,587,207 42,913,019 2,768, ,716 45,856,556 2,312,586 2,312, ,816, ,816,452 73,008,214 73,008,214 18,478,537 18,478,537 13,816,724 13,816,724 2,025,860 2,025, ,958,599 2,768, , ,902,136 33,582,859 33,582,859 2,116,877 2,116,877 35,699,736 35,699,

164 ,059,587 35,059,587 53,853, , ,923 54,409,453 4,798,210 4,798, ,114, ,114,756 53,388,377 53,388,377 10,002,567 10,002,567 7,297,640 7,297,640 1,439,144 1,439, ,954, , , ,509,734 40,482,262 40,482,262 1,078,065 1,078,065 41,560,327 41,560,

165 , , (42,712) (161,435) 163

166 (370,886) (281,050) , ,543 1% 1% % 26,846 3,660 1% (26,846) (3,660)

167

168 ,587, ,162 38,201,369 26,414,111 12,291,487 6,824, ,295 45,856, ,901 50, ,368 1,145, ,623 2,312,586 57,135,847 11,490,085 37,199,912 15,129, , ,816,452 4,816,563 7,137,716 26,412,164 33,812, ,270 73,008,214 1,476,120 3,050,782 3,473,817 7,243,881 3,233, ,416 18,970,967 75, , ,945 4,799,016 8,271,764 13,816,724 29,214 29,214 2,025,860 2,025, ,734,749 34,140,139 74,579,869 62,456,337 13,965,196 3,161, ,037,942 26,485,049 16,852,628 29,303, ,000 94,607 73,235,555 80,049,717 17,292,181 67,048,222 34,903,451 5, ,298,705 5,145,828 9,556,538 2,992, ,902 18,490,742 5,927,271 5,927, ,534,766 39,290, ,908,031 38,395, ,643 5,927, ,952,273 21,199,983 (5,150,498) (31,328,162) 24,060,412 13,069,553 (2,765,619) 19,085,

169 ,059, ,506 35,699,093 30,183,206 14,566,481 9,209, ,060 54,409,453 29,969 24,646 2,265,196 2,478,399 4,798,210 67,839,475 9,156,771 22,015,899 3,136,390 1,966, ,114, ,799 4,043,881 13,076,622 35,487,075 53,388, , ,480 3,031,302 3,195,743 2,651, ,122 10,293, ,003 2,316,280 4,601,357 7,297,640 26,405 26,405 1,442,841 1,442, ,382,319 28,401,582 47,738,178 46,850,744 11,697,781 2,399, ,470,478 33,115,383 19,725,009 26,379,353 2,300, ,979 81,635,724 70,834,890 16,251,782 39,226,135 41,596,966 22, ,932,436 3,785,076 3,785,076 4,495,548 4,495, ,950,273 35,976,791 65,605,488 47,682, ,642 4,495, ,848,784 30,432,046 (7,575,209) (17,867,310) (831,298) 11,559,139 (2,095,674) 13,621,

170 ,137,625 63, ,201,369 42,777, ,797 2,692, ,667 45,856,556 2,312,586 2,312, ,771,305 1,040,018 5, ,816,452 73,008,214 73,008,214 18,970,967 18,970,967 13,816,724 13,816,724 29,214 29,214 2,013,915 11, ,025, ,837,774 1,386,616 2,693, , ,037,942 73,140, ,607 73,235, ,052,741 1,203, , ,298,705 18,490,742 18,490,742 5,884,691 48,386 8,623 (14,429) 5,927, ,569,068 1,252,022 8, , ,952,273 16,268, ,594 2,684,511 (2,142) 19,085,669 35,343, , ,257 35,699,

171 ,621,443 77, ,699,093 53,076,318 1,187,425 7, ,794 54,409,453 4,798,210 4,798, ,205, , ,114,756 53,388,377 53,388,377 10,293,703 10,293,703 7,297,640 7,297,640 26,405 26,405 1,439,461 3, ,442, ,147,232 2,177,122 8, , ,470,478 81,419, , ,114 81,635, ,995,309 1,917, , ,932,436 3,785,076 3,785,076 4,452,487 32,687 8,022 2,352 4,495, ,651,942 2,050,717 8, , ,848,784 13,495, ,405 (1) 13,621,694 41,503,995 50,610 5,722 41,560,

172 % % 5% 20145%

173 ,081 25,665,947 16,983,710 29,964, ,578 94,607 74,166,680 66,298,876 16,491,705 17,234,963 65,083,302 41,433,456 6,500, ,042,950 5,277,458 10,042,057 3,333, ,902 19,449,091 29,691 2,008,491 1,025,926 1,327, ,689 2,717 2,306,483 7,489,990 67,175,648 44,166,143 40,522, ,418,109 46,166,397 7,393,874 2,306, ,148, ,162 8,774,033 28,813,174 38,201,369 1,225,318 25,564,100 12,376,688 6,684, ,492 46,265,234 2,312, , , ,263 3,010,244 9,124,741 10,482,110 49,552,403 37,805,157 37,050,844 2,883, ,899,132 4,680,165 7,439,986 27,688,361 39,221,043 1,215,113 80,244,668 1,024,158 2,847,762 3,545,798 9,175,420 4,623, ,362 21,562,584 15, , ,478 5,416,588 12,119,398 18,201,243 29,214 29,214 4,007 1,096, , , , ,675 3,395,731 5,795,905 1,843,487 52,591,178 33,445,436 88,278,111 92,914,646 55,668,377 32,584,481 2,883, ,209,

174 ,790 30,258,158 16,674,774 29,063,589 6,576, ,979 83,096,332 58,257,607 12,905,832 16,323,336 39,999,164 44,572,474 30, ,088,437 1,488,400 7,563, ,268 9,956,276 19,549 1,610, , , ,128 1,695 1,033,818 5,327,980 58,684,946 44,774,690 33,682,523 71,545,830 59,695,252 1,051,966 1,033, ,469, ,506 6,004,746 29,054,841 35,699,093 1,129,279 29,089,066 14,652,135 9,458, ,091 54,824,425 4,798,210 4,798,210 10,931,797 9,974,954 45,283,509 24,223,054 37,456,781 1,325, ,195, ,867 4,101,250 13,637,395 41,039,336 59,562, , ,729 1,923,168 5,168,486 4,293, ,122 12,744,120 3,284 48, ,642 8,987,428 8,448,992 18,358,800 26,405 26,405 5, ,077 15, , , ,555 3,015,139 4,556,602 1,774,223 52,875,262 29,280,281 71,333,407 80,443,190 50,346,728 32,387,507 1,325, ,765,

175 ,162 8,774,033 28,813,174 38,201,369 1,225,318 25,538,793 12,291,487 6,594, ,295 45,856,556 2,312,586 2,312,586 9,109,165 10,370,754 47,535,928 31,549,131 20,392,306 2,859, ,816,452 4,652,071 7,363,223 26,412,685 33,749, ,450 73,008,214 1,023,731 2,847,762 3,516,680 7,896,045 3,340, ,362 18,970,967 15, , ,945 4,889,016 8,271,764 13,816,724 29,214 29,214 4,007 1,096, , , , ,675 3,395,731 5,795,905 1,843,487 52,521,741 33,170,900 84,854,985 78,867,643 33,105,582 32,584,481 2,859, ,807, ,081 25,637,968 16,852,628 29,303, ,000 94,607 73,235,555 66,298,876 16,485,510 17,187,559 64,166,876 35,046, , ,298,705 5,212,832 9,489,534 2,992, ,902 18,490,742 29,691 2,008,491 1,025,926 1,327, ,689 2,717 2,306,483 7,489,990 67,175,648 44,131,969 40,278, ,287,674 39,327,509 1,006,764 2,306, ,514,992 (65,332,161) 8,389,772 (7,108,045) (19,432,689) 39,540,134 32,098,818 30,277,998 2,859,168 21,292,

176 ,506 6,004,746 29,054,841 35,699,093 1,129,279 29,053,926 14,566,481 9,209, ,060 54,409,453 4,798,210 4,798,210 10,915,561 9,853,580 43,351,799 20,014,309 19,069, , ,114, ,305 4,054,322 13,089,440 35,462,310 53,388, , ,202 1,894,527 4,390,554 2,651, ,123 10,293, ,003 2,406,280 4,601,357 7,297,640 26,405 26,405 5, ,077 15, , , ,556 3,015,139 4,556,602 1,774,223 52,817,319 28,976,344 67,995,315 63,253,307 26,469,778 32,387, , ,584, ,790 30,220,064 16,525,574 28,066,317 6,300, ,979 81,635,724 58,257,607 12,895,472 16,178,354 38,981,375 41,596,755 22, ,932,436 2,989, ,468 3,785,076 19,549 1,610, , , ,128 1,695 1,033,818 5,327,980 58,684,946 44,726,236 33,388,341 68,042,369 51,869, ,015 1,033, ,681,216 (56,910,723) 8,091,083 (4,411,997) (47,054) 11,383,816 25,533,763 31,353, ,445 15,903,

177 ,116,877 2,116,877 32,982, ,279 33,582,859 60, ,211 24, , ,898 34, ,263 35,505, ,855 24,901 36,275, ,078,065 1,078,065 40,102, ,227 40,482,262 51,549 85,366 18, , ,265 47, ,301 41,738, ,629 18,796 42,270,

178 3 3.4 (a) ,008,214 27,896 79,137,735 79,165,631 13,816,724 14,552,708 14,552,708 18,490,742 18,856,669 18,856, ,388,377 97,000 55,409,910 55,506,910 7,297,640 7,451,436 7,451,436 3,785,076 3,987,952 3,987,

179 3 3.4 (b) ,312,586 2,312,586 2,312,586 2,312,586 18,478,551 18,478, , ,416 18,478, ,416 18,970,967 20,791, ,416 21,283, ,798,210 4,798,210 4,798,210 4,798,210 10,002,581 10,002, , ,122 10,002, ,122 10,293,703 14,800, ,122 15,091,

180 3 3.4 (b)

181 3 3.4 (b) , ,122 37,782 37, , , , , ,809 14, , , , , , , ,589 12,

182 3 3.4 (b) ,566 (a) 1.33 (b) 36.40% ,272 (a) 1.33 (b) 22.16% (a) (b) (c) (d) , ,

183 % 9.50%11.50% 7.50%8.50%10.50% 181

184 ,127,055 5,069,141 4,948,796 8,148,003 (91,429) 21,201,566 2,302,606 23,504, ,521,618 10,258, ,779,916 2,737,443 13,594, ,111, ,111, % 10.49% 11.63%

185 ,088,696 12,704,900 5,387,931 5,543, ,127, ,719, , ,

186 4 a) b) c)

187 4 d) 39 e) f) 185

188 , ,995 1,712,037 1,754,712 7,545,665 7,173,596 5,561,218 3,481, , ,731 15,507,610 13,236,153 (3,139,322) (2,380,842) (5,003,513) (4,405,190) (362,702) (218,423) (8,505,537) (7,004,455) 7,002,073 6,231, ,493 28, , , , , , , , ,007 54,251 45,313 64,586 44,218 1,589, ,857 (50,107) (43,792) (17,022) (14,781) (10,217) (7,438) (77,346) (66,011) 1,512, ,

189 ,901 23,825 (132) 136,364 23, , , , ,171 4,555 14,809 12,589 (i) 36,101 4,821 1,139 1, ,531 (ii) 11,338 5,589 64,929 31,740 (i) , (ii) 187

190 ,626,120 1,324, , , , , ,272 93,620 22(c) 19,673 17,392 22(b) 4,863 4,863 22(d) ,207 20,693 77,648 88,859 29,225 16,393 3,300 2, ,900 5,720 7,572 12,096 3,190,171 2,805, ,223, , , ,313 77,524 61,780 32,128 27, , , ,626,120 1,324,

191 ,679 2,559 13,167 14, ,037 17, ,0011,000,000 1,000,0011,500,000 1,500,0012,000,000 2,000,0012,500, ,500,0013,000, ,000,0013,500, ,500,0014,000, ,000,0014,500,000 4,500,0015,000,000 5,000, (b) 420, , , , , ,172 4,767 3,371 1,135, ,

192 12 (a) (1) ,493 (2) 480 1, ,623 (3) (4) (9) (9) (5) (6) (6) (6) (10) , , , (11) (12) (12)(15) (15) (7) 448 1, ,762 (10) ,110 3,512 6, ,

193 12 (a) (1) ,163 (2) ,190 (3) (4) (8) (13) 善 9 9 (6) (9) (6) (6) (9) (5) (6) (6) (6) (10) (7) 455 1, , , (11) (12) (12) (14) (14) 7 7 (14) ,578 4, ,

194 12 (a) (1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) 善 (14) (15)

195 12 (b) (c) (d) (e) 善 835, , ,000 9, % (f)

196 ,388,133 1,043, (288,275) (80,085) 1,099, ,161 25% 25% % ,269,919 3,790,304 25% 1,067, ,576 (a) (57,049) (49,332) (b) 91,014 66,082 (1,587) (1,165) 1,099, ,161 (a) (b) 14 (a) ,170,061 2,827,143 2,715,629 2,705, (b)

197 , ,506 28,789,768 28,950,238 8,774,033 6,004,746 23, ,603 38,201,369 35,699, % 17.5% 5% 5% ,205,978 2,879,279 35,477,556 44,464,276 1,999, ,060 2,480, ,962 2,586,038 45,856,556 54,409,453 45,856,556 54,409,

198 ,721 2,588,293 1,404,865 2,209,917 2,312,586 4,798, ,312,586 4,798, (a) ,276,669 69,031,229 4,120,780 4,866,911 88,397,449 73,898,140 18,012,580 17,339,942 3,848,972 3,876,509 2,924,258 2,253,277 11,586,127 9,080, ,371,937 32,550, ,769, ,448,851 (2,492,792) (2,072,780) (460,142) (261,315) (2,952,934) (2,334,095) 121,816, ,114,

199 18 (b) ,072, ,315 1,750, , , , , ,349 (427,535) (75,265) (72,262) (104,164) , , , ,185 (59,493) (28,975) (345,552) (236,990) 10,465 1,545 2,492, ,142 2,072, , ,594, ,656 1,311, ,615 1,112, , , ,453 (366,540) (136,260) (155,239) (21,187) 745, , , ,266 (44,866) (14,627) (26,506) (2,469) (253,314) (92,238) (151,046) (85,944) 647 9, ,188 2,042, ,393 1,594, ,

200 18 (c) , , , , , , ,941 54,436 1,210, , , , % 0.69% (a) 50,160,905 35,989,622 4,308,582 2,718,927 (b) 13,516,686 14,737,000 4,306, ,900 27,882 97,000 (271,286) (154,172) 73,008,214 53,388,377 8,006,306 4,137,372 10,472,231 5,865,195 18,478,537 10,002, , , , , ,970,967 10,293,

201 ,457,687 4,708,824 9,359,037 2,588,816 13,816,724 7,297, , , , , (5,132) (5,132) , , ,188,787 36,086,622 13,411,717 14,737,000 8,615,127 2,718, , ,900 (271,286) (154,172) 73,008,214 53,388,377 3,079,089 3,028,110 15,140,594 5,544,606 70, , , , , , ,970,967 10,293,703 10,515,099 5,051,655 2,835,625 1,779, , ,000 46,000 46,000 13,816,724 7,297,640

202 19 (a) ,248,800 4,724,400 2,731,000 4,518,900 11,110,400 5,545,700 22,725,705 9,354,632 1,874,000 2,463,490 40,689,905 26,607,122 9,471,000 9,142, ,000 9,471,000 9,382,500 50,160,905 35,989,622 (b) ,727,000 12,172, , ,000 2,811, , , , ,025 7,525,237 12,737,000 5,886,480 2,000,000 5,886,480 2,000, , ,969 13,516,686 14,737,

203 19 (b) (11,591) 67,294 1,348 83,343 (10,243) 150, ,405 24,370 2,809 2,035 29,214 26, ,200 20% ,402,697 1,257,963 49,921 14,043 20% , ,581 36,482 10,175 20% 201

204 ,779,013 18, , , ,541 2,943,131 6,527 37,511 11, , , , (122,712) (334) (10,654) (6,619) (17,607) ,906,962 18, , , ,708 3,265, (286,240) (15,185) (181,011) (64,041) (546,477) 9 (58,476) (1,350) (34,148) (14,298) (108,272) 71 9,782 6,325 16, (344,645) (16,535) (205,377) (72,014) (638,571) ,562,317 1, ,607 43, ,708 2,627, ,333,045 18, ,437 90, ,768 2,547,152 51, ,430 19, , , , ,752 (394,788) 3,710 3,710 (103) (255) (25,816) (1,046) (27,220) (2,154) (2,154) ,779,013 18, , , ,541 2,943, (235,219) (13,679) (176,436) (52,846) (478,180) 9 (51,929) (1,754) (28,386) (11,551) (93,620) (633) (633) , ,513 1,443 1, (286,240) (15,185) (181,011) (64,041) (546,477) ,492,773 3, ,116 45, ,541 2,396, , ,

205 a 1,766,333 1,299, , , ,948 20,039 (2,214) (845) b 163, ,046 53,341 57,982 c 69,429 62,564 21,547 10,063 50,168 27,064 d 4,714 5,032 40,865 2,662,978 1,789,089 (a) ,108 20,977 1,331,548 1,001, , ,057 1,766,333 1,299,

206 22 (b) , , , ,165 (26,119) (21,256) 9 (4,863) (4,863) (30,982) (26,119) 163, ,046 (c) , ,157 26,538 20, , ,637 (64,073) (46,681) 9 (19,673) (17,392) (83,746) (64,073) 69,429 62,

207 22 (d) ,868 11,424 2,154 (3,710) 9,868 9,868 (4,836) (3,791) (1,443) 9 (318) (235) 633 (5,154) (4,836) 4,714 5, ,586,768 2,918,096 28,777,759 32,311,570 12,682,929 8,385,199 3,000,000 3,500,000 25,188,099 32,939,059 1,581,800 73,235,555 81,635,

208 ,102,294 48,920,176 77,426,011 64,523,802 8,979,971 9,015,331 31,197,219 18,974,821 24,593,210 26,498, ,298, ,932,436 16,619,121 24,585, (a) 2,556,104 2,392,783 2,621,394 1,384, , , , ,929 13,284 13,872 70,000 60, , ,747 1, , ,228 53,017 44,425 7,218,001 5,056,289 (a) , ,393 2,020,910 1,783, , ,463 2,556,104 2,392,

209 % % , , ,275 80,085 (100,120) (67,971) 505, , , , ,453 73, , ,859 (153,181) (53,094) 505, , ,339 78, (34,091) 89,903 35, ,275 80,

210 ,719 94, ,294 31, , , ,380 20, ,380 20,977 23,380 20,

211 ,977 19,691 (1,566) (1,265) ,292 1,777 23,380 20, ,469 1, % 4.06% 4.00% 4.00% 209

212 (a) 795, , (b) 2,992,474 2,989,608 (c) 14,702,366 18,490,742 3,785,076 (a) [2011] , % (b) [2012] ,000, % (c)

213 ,705,228 2,705,228 (a) 421, , ,127,055 3,127,055 (a) [2015] ,086, ,827,300 H H (2016) (a) (b) (c) ,679,838 2,443, ,680,638 2,444,

214 31 (a) (b) ,205,208 2,502,432 90, ,798, ,360 (2,469) 297, , ,150 1,241, ,522,214 3,426, ,730 (2,227) 5,337, ,494 1,843,080 (113,543) 1,575 2,653, ,913 (1,333) 202, , , , ,205,208 2,502,432 90, ,798,252 (a) 10% 50% %317, ,714 (b) [2012]20 1.5% 1.5% %615,

215 , , (i) (ii) 10% (i) (ii) , (a) ,757, ,590,

216 33 (b) (i) ,127, ,719,933 (ii) ,462,407 73,462, ,840,656 53,840,

217 33 (b) (ii) ,491,674 2,887, , ,158 5,425,093 3,329, ,280, ,404 1,213,968 1,711,865 30,088,599 38,226, ,116,877 1,078,065 35,699,736 41,560,

218 , ,952 57,826 66, , , , , ,066 51, ,211 85, ,901 18, , , , ,

219 35 (a) ,581,800 16,669,404 21,183, , ,061 17,265,392 23,516, , , (b) ,170, ,185, ,669, ,183, ,258,298 13,996,784 0% 100% 217

220 ,480 (100,120) 300,360 (3,292) 823 (2,469) 397,188 (99,297) 297, ,884 (67,971) 203,913 (1,777) 444 (1,333) 270,107 (67,527) 202, ,388,195 6,644,252 8,469,684 2,879, ,390 2,231,381 18,118,269 11,754,

221 , ,769 1,465, ,324 5,013 2, , %-7.21% 4.92%-7.21% 0.39%-5.23% 0.20%-5.50% 0.39% 0.39% ,267 25,685 4,629 6,539 6, ,804, , , ,

222 ,622 4,511 6,729 4, ,904 9,

223 ,242, ,151 4,459,922 7,002,073 2,029, ,638 (2,557,156) 4,271, ,789 1,902,766 7,002, , , ,248 1,512,053 23,769 23,769 (10,243) (10,243) 2,809 2, ,505 14,809 41,960 64,929 (920,274) (93,145) (117,114) (4,767) (1,135,300) (1,713,171) (898,535) (566,389) (12,076) (3,190,171) (82,342) (43,187) (27,223) (581) (153,333) (1,630,829) (855,348) (539,166) (11,495) (3,036,838) 1,985,602 20,545 2,238,655 25,117 4,269, ,122 55, , , ,491,853 44,447, ,358, , ,807,987 (165,895,183) (42,314,118) (90,304,091) (1,600) (298,514,992) 221

224 ,089, ,154 3,463,293 6,231,698 2,130, ,782 (2,624,081) 4,219,550 1,172, ,212 6,231, , , , , , , ,637 2,035 2,035 5,366 3,378 12,589 10,407 31,740 (459,757) (272,266) (154,172) (3,371) (889,566) (1,806,118) (613,970) (364,950) (20,237) (2,805,275) (88,078) (29,941) (17,797) (987) (136,803) (1,718,040) (584,029) (347,153) (19,250) (2,668,472) 2,701, , ,540 (13,201) 3,790, ,321 56, , , ,186,011 32,786, ,236, , ,531,145 (143,750,589) (28,811,408) (86,066,886) 761 (258,628,122)

225 % ,775, ,010 2,768, ,749 62,470 23, , , ,943, ,

226 ,386,616 2,693, ,385 4,200,168 (1,252,022) (8,656) (122,527) (1,383,205) 134,594 2,684,511 (2,142) 2,816, ,177,122 8, ,066 2,323,246 (2,050,717) (8,058) (138,067) (2,196,842) 126,405 (1) 126, (a) ,971, , , , , , , ,012 3,503,302 1,479,

227 4. (b) ,932 (c) ,038 39,954 2, , , , ,633 1,456, , , ,213 98,486 1,606,539 66,380 97, ,824 1,911,506 1,079, ,682 98,486 3,503, ,404 7,259 3,717 55, , ,121 13, , , , , , ,116 12,062 4, , , , , ,479,

228

229 II

230

231 A

232

233 B

234 , G B G

235 Y1 Y

236

237 H % 14.66% 1.00 H

238 % H 571 H 14.75%