6.74 o o o o $c KPMG LLP 02888STAN.LNSTAN.IN 2

Transcription

1 STANDARD CHARTERED PLC Bill Winters % 4013% %6.2% 13.1%1213% 25% 100%100% 71.5%72.8% 5.5%5.5% 10 1

2 6.74 o o o o $c KPMG LLP 02888STAN.LNSTAN.IN 2

3 1 6,810 6,944 8,495 6,935 6,520 8,769 1 (1,096) (2,356) (1,652) 1 (213) (225) (86) 1 (362) (990) 1, (3,621) 2, (3,706) 1, (3,822) 1, , , ,956 48,821 48,512 49, , , , , , ,795 57,166 59,021 59, (52.4) (144.7) , , , , , , % (6.2)% 5.4% 71.5% 72.8% 72.6% 28.0% 30.9% 31.4% % 78.3% 59.2% 13.1% 12.6% 11.5% 19.5% 19.5% 18.2% 5.5% 5.5% 5.0%

4 Bill Winters José Viñals José José José John Peace 4

5 2% 1,000 1) ) ) 300 i) ii) 4)

6 10 13% Simon Cooper 1) Simon 2) 3) 40%60%

7 40,000 38% 100, ipad(retail Workbench)(Apple Pay)(Samsung Pay)(Android Pay) %40% 7

8 8%10% 2.1% Bill Winters 8

9 9.9446% % 13.1% % % 6,810 6,944 8,495 (2) (20) (4,534) (5,436) (5,042) ,277 1,508 3, (34) (1,096) (2,356) (1,652) (213) (225) (86) 5 nm (67) (75) 994 (990) 1, (46) (115) (1,845) (863) (1) 219 (70) (362) (3,621) 2,098 nm (57) % 2.0 (6.2) 5.4 nm (61) 14.2 (52.4) 46.3 nm (69) 13.7 nm nm % %2% %9%

10 % % ,70076% % 12%13% % % 3,147 3,238 3,943 (3) (20) (3) (27) (10) 2,316 2,365 2,742 (2) (16) (30) 6,810 6,944 8,495 (2) (20) 20%3% %3% %7% %4,900 38%35% 10

11 % % 1,418 1,533 1,717 (8) (17) 1,339 1,204 1, (22) (3) (3) (20) 1,833 1,867 2,103 (2) (13) (13) (11) (31) (167) (105) 159 (59) nm (23) (42) 6,810 6,944 8,495 (2) (20) %8% 11% 5% %11% 10%3% 20%3% 13%2% 13%76%9, % % 2,551 2,689 3,388 (5) (25) 2,054 2,053 2,200 (7) 1,420 1,305 1,553 9 (9) (8) (17) (32) nm nm 6,810 6,944 8,495 (2) (20) 11

12 25% 5%21% 7% 9% 9% 17%8% % % 2,658 2,887 3,107 (8) (14) (8) (6) (27) (18) ,988 4,443 4,589 (10) (13) 440 nm nm (1) 21 4,534 5,436 5,042 (17) (10) 84,477 84,076 86,543 % %45.349% % 10 12

13 % % nm (64) (18) 1 1 nm nm (23) (34) 4 (4) nm nm 1,096 1, (28) (6) nm %27% % %64% % 2.136% 13

14 1,096 1, ,519 2, , ,096 1,296 1,805 1,519 3, ,652 7, , ,559 7, , ,083 8, , ,048 4, , ,874 4, , ,403 5, , ,339 6,806 6,005 12,811 7,512 5,247 12,759 4,297 4,450 8,747 (3,062) (3,045) (6,107) (3,544) (2,584) (6,128) (2,273) (1,855) (4,128) 3,744 2,960 6,704 3,968 2,663 6,631 2,024 2,595 4, ,247 1, ,167 3,743 1,326 5,069 % % , , ,226 19, , ,925 19, , , %67% 62%73%(53%) 100% 72% 14

15 1.15 (109) (2) (111) , ,845 % 660, ,483 20, ,821 48, , ,403 4, , ,127 12, % 72.8% 28.0% 30.9% 2%2, % 71.5% 100% 15

16 % 160, ,735 (7,062) (4) 34,542 34,628 (86) (0) 6,408 7,173 (765) (11) 44,247 47,659 (3,412) (7) 47,356 45,730 1, , ,925 (9,699) (3) 238, ,402 (7,062) (3) 33,693 35,610 (1,917) (5) 21,193 21,913 (720) (3) 293, ,925 (9,699) (3) 2,9323% ,348 38,182 3,720 4,591 42,068 42,773 15,098 16,248 57,166 59, % 12.6% 19.5% 19.5% 5.5% 5.5% 5.5% 12.6%13.1% 16

17 Andy Halford 17

18 3, , ,810 (2,090) (436) (209) (1,643) (156) (4,534) 1, ,276 (606) (247) (1) (242) (1,096) (212) 4 (5) (213) (12) ,626 26,062 14,226 95,246 3, , ,308 29,807 24, ,272 3, , ,673 34,542 6,408 44,247 47, , % (0.1)% 1.5% 1.9% 1.2% 0.7% 3, , ,944 (2,184) (552) (146) (1,748) (806) (5,436) 1, (395) 1,508 (1,252) (787) (313) (4) (2,356) (181) (10) (34) (225) (379) (663) (350) (990) 121,523 24,340 15,295 94,697 5, , ,462 30,685 24, ,584 1, , ,735 34,628 7,173 47,659 45, ,925 (0.4)% (3.7)% 2.7% 1.2% (1.5)% (0.6)% 18

19 3, , ,495 (2,272) (519) (195) (1,762) (294) (5,042) 1, ,453 (824) (373) (94) (365) 4 (1,652) (63) (7) (16) (86) , ,175 29,925 17,318 97,128 4, , ,953 32,921 26, ,466 2, , ,083 37,260 7,519 50,343 46, , % 0.1% 2.4% 1.7% 1.1% 19

20 70% 20% 130 % % 1,061 1,155 1,293 (8) (18) 1,212 1,090 1, (16) (3) (16) (40) (167) (105) nm 3,147 3,238 3,943 (3) (20) (2,090) (2,184) (2,272) 4 8 (606) (1,252) (824) (212) (181) (63) (17) nm 239 (379) 784 nm (70) 126, , ,175 4 (5) 199, , ,953 6 (5) 160, , ,083 (4) (13) 0.3% (0.4)% 0.8% 20

21 20%3% 22%23%26% 6% %8% 27%12% %6% %11%4% 26% 21% 11%3% 19%16% 8% %2.39 4% 4% 6% 21

22 1,2002, % 2,000 % % (3) (27) (191) (136) (109) (436) (100) (75) (72) (247) nm nm (30) 34 (16) (12) 98 nm 12,627 8,859 4,576 26,062 7 (13) 18,808 7,823 3,176 29,807 (3) (9) 12,733 13,761 8,048 34,542 nm (7) (0.4)% 0.5% (0.4)% (0.1)% 22

23 (267) (156) (129) (552) (328) (239) (220) (787) (2) (8) (10) (322) (147) (194) (663) 12,097 8,307 3,936 24,340 17,717 9,523 3,445 30,685 14,431 12,521 7,676 34,628 (4.5)% (2.2)% (4.7)% (3.7)% (243) (157) (119) (519) (95) (190) (88) (373) (7) (7) 89 (70) ,596 9,615 4,714 29,925 18,117 11,031 3,773 32,921 13,928 14,557 8,775 37, % (0.7%) 0.1% 23

24 27% 3% 40% 5% 13%6% 20%7% 16% 3,2001, % 3% 24

25 5,1005,000 10% 7% , % % 1 nm nm 2 nm nm (8) (30) nm nm 25 1 (1) nm nm (10) (209) (146) (195) (43) (7) (1) (94) nm nm (48) nm 14,226 15,296 17,318 (7) (18) 24,023 24,540 26,570 (2) (10) 6,408 7,173 7,519 (11) (15) 1.5% 2.7% 25

26 10% 18%3% 30% 6%570 8%1% 7% 5% 5,0005,100 7%2% 11% 26

27 30% 16% 7% 滑 7%6%4% 34%23% 40,00038% (Retail Workbench) % % 1, ,316 (2) (16) (816) (508) (307) (12) (1,643) 6 7 (88) (114) (40) (242) (30) 61,107 27,801 6, ,246 1 (2) 76,281 29,192 8,550 1, ,272 1 (2) 21,927 15,495 6, ,247 (7) (12) 2.4% 1.0% 1.8% 5.2% 1.9% 27

28 1, ,365 (934) (501) (306) (7) (1,748) (119) (155) (39) (313) ,388 27,667 6, ,697 75,523 28,974 8,744 1, ,584 24,262 16,284 6, , % 1.0% 1.7% 8.1% 1.2% 1, ,742 (932) (511) (309) (10) (1,762) (177) (157) (31) (365) ,566 29,694 6, ,128 75,819 31,364 8,833 1, ,466 25,742 16,954 7, , % 1.5% 2.7% 3.4% 2.4% 28

29 16% 7%20%7% 2% 20%38% % 12%6.60 5% 11%4% 11% 7% 22%1% 34% 44%3,40064% 30% 42%18%13% 2,700 4,800 1% 7% 1% 29

30 % % (30) (156) (806) (294) (4) 4 nm nm (5) (34) (16) (67) (75) 285 (350) 404 nm (29) 3,714 5,547 4,793 (33) (23) 3,288 1,856 2, ,356 45,730 46, % (1.5%) 1.7% 30% 2% 47% %67% 29% 4% 30

31 1,418 1, ,339 1, , , (167) (167) ,810 3, , ,533 1, ,204 1, (22) , , (1) (105) (105) 293 (1) ,944 3, ,

32 1,717 1, ,717 1, , ,014 1, , (1) ,495 3, ,

33 2,551 2,054 1, (32) 6,810 (1,654) (1,189) (845) (669) (177) (4,534) (209) 2,276 (242) (412) (214) (124) (104) (1,096) (35) 4 (19) (163) (213) 102 (80) (471) % 2.0% 3.0% 0.5% 1.6% 111,020 81,335 30,015 43, , ,568 89,711 30,459 85, ,698 77, ,441 54,995 54,611 1, ,226 2,689 2,053 1, ,944 (1,857) (1,334) (883) (699) (663) (5,436) (657) 1,508 (509) (1,127) (560) (61) (99) (2,356) (21) (48) (33) 16 (139) (225) 95 (14) (470) (171) 147 (893) (990) 1.3% 1.9% 2.9% 0.6% 1.6% 106,161 86,343 31,070 37, , ,519 90,731 33,013 71, ,127 82, ,730 57,566 56,815 (3,256) 302,925 33

34 3,388 2,200 1, ,495 (1,906) (1,287) (907) (688) (254) (5,042) 1, ,453 (426) (815) (284) (131) 4 (1,652) (7) (15) (3) 2 (63) (86) , , % 2.0% 3.3% 0.5% 1.7% 116,401 97,617 34,428 33, , , ,094 33,873 74, ,795 88, ,620 60,163 58,753 (1,025) 326,171 36% %21% 13% 43% 5% 34

35 % % 2,551 2,689 3,388 (5) (25) (1,654) (1,857) (1,906) (242) (509) (426) (35) (21) (7) (67) nm , (36) 1.3% 1.3% 1.5% 111, , ,401 5 (5) 165, , ,001 1 (4) 77,069 82,070 88,660 (6) (13) 25%21%5% 20%2% 5%17% 38% 34%3% 11% 27%20% 13%2,000 43% 52% % 5% 1% 6% 35

36 8% 49% 14012%404% 800 % % 2,054 2,053 2,200 nm (7) (1,189) (1,334) (1,287) 11 8 (412) (1,127) (815) (48) (15) nm nm (80) (14) 29 nm nm 377 (470) 112 nm nm 2.0% 1.9% 2.0% 81,335 86,343 97,617 (6) (17) 89,711 90, ,094 (1) (16) 105, , ,620 (4) (12) 36

37 7% 8% (SIBOR) 3% 4% 5% 7% 44%55% 8% 貸款 63% 2,9008,000 6% 1% 4% 37

38 5%3.42 9% %3% 7% %2.14 % % 1,420 1,305 1,553 9 (9) (845) (883) (907) 4 7 (214) (560) (284) (19) (33) (3) 43 nm 342 (171) 359 nm (5) 3.0% 2.9% 3.3% 30,015 31,070 34,428 (3) (13) 30,459 33,013 33,873 (8) (10) 54,995 57,566 60,163 (4) (9) 38

39 9%4%9%5% 13% 12% 16% 3%7%5% 7% 25%62% 5%3.42 3%4% 8% 39

40 84% % % (8) (17) (669) (699) (688) 4 3 (124) (61) (131) nm nm nm (84) (86) 0.5% 0.6% 0.5% 43,504 37,829 33, ,960 71,864 74, ,611 56,815 58,753 (4) (7) 40

41 17%8.178% 27%8% 13%13% 3% 5% ,400 15% 20% 4% 41

42 % % (32) nm nm (177) (663) (254) (104) (99) 4 (5) nm (163) (139) (63) (17) nm nm 67 (471) (893) nm 1,110 (3,256) (1,025) nm nm ,200 30% 4.715,800 42

43 % 66,163 65, ,533 66,769 7, , ,403 4, , ,846 (3,143) (2) 67,584 63,143 4, ,132 52,010 6, , ,483 20, ,415 38,248 3, , ,127 12, ,047 68,797 (6,750) (10) 66,345 61,939 4, ,646 21,852 (1,206) (6) 1 50,017 42,008 8, , ,971 20, ,821 48, , ,483 20, %71.5% 12.6%13.1% 70%60% % 7% 12% 43

44 31 45% %8% 50%

45 50% %325 13% % 61%71%83% 62%40%371 72% 45

46 5 o o 70 46

47 51 Mark Smith 47

48

49 49

50 50

51 (Brexit Executive Committee and Working Group) 51

52 % 22% 52

53 32,712 35,032 18,994 40, ,825 12,738 8,917 4,605 26,260 3,533 7, ,024 14,228 61,222 27,921 6, ,531 1,062 2, , ,267 81,585 30,146 43, ,558 (247) (250) (131) (56) (684) 1 111,020 81,335 30,015 43, , ,711 13,155 7,641 22,026 74,533 27,598 39,695 20,439 33, ,678 12,201 8,360 3, ,525 3,605 7, ,630 15,297 60,515 27,805 6, ,013 2,495 2, , ,414 86,588 31,198 37, ,060 (253) (245) (128) (31) (657) 1 106,161 86,343 31,070 37, , ,152 9,458 6,926 21,233 66, %21% 13%13% %14% 4, % 2% 53

54 %42.6%80% 1% 15% 2,303 6,437 4,005 8,193 20,938 9,202 5,774 3,605 1,962 20,543 8,919 4,912 2,043 22,620 38,494 5,840 5,223 3,540 2,017 16,620 1,794 6,602 2,582 1,115 12,093 5,857 5,460 1, ,463 1,983 3,265 1,474 1,664 8,386 4,810 2,420 1,527 1,711 10, ,371 1, , ,414 2,284 2, ,357 1,587 1,722 1, ,927 50,272 20,956 2,295 1,149 74,672 9,161 4,593 2, , ,639 7, ,068 13,240 1,683 1, , ,267 81,585 30,146 43, ,558 (247) (250) (131) (56) (684) 111,020 81,335 30,015 43, ,874 31,711 13,155 7,641 22,026 74,533 54

55 1,466 7,198 4,370 6,647 19,681 9,586 5,538 3,623 2,142 20,889 5,287 6,996 1,548 17,627 31,458 4,512 6,129 4,048 1,790 16,479 1,825 5,763 2,762 1,278 11,628 6,821 5,008 1, ,028 2,126 4,116 1, ,555 4,491 2,350 1,394 2,624 10,859 1,307 2,080 1, , ,429 2,418 3, ,212 1,563 1,975 1, ,230 49,266 21,194 2,245 1,313 74,018 9,484 4,793 3, , ,727 7, ,505 14,086 1,643 1, , ,414 86,588 31,198 37, ,060 (253) (245) (128) (31) (657) 106,161 86,343 31,070 37, ,403 29,152 9,458 6,926 21,233 66,769 55

56 2% 46% 55% 2,2902, , , ,190 2,421 9,229 8, , ,568 9, , ,776 1, ,531 2, ,415 26, ,407 2,231 2, ,092 5,656 12, , , ,741 2,040 9,128 8, , ,546 10, , ,156 1, ,013 2, ,158 25, ,557 1,863 2, ,830 5,069 12,

57 % 58%59% 35%21% 11,851 12,780 3,399 3,822 9,898 10,791 25,665 14,347 AAA AA-AA+ 20,168 10,564 BBB-BBB+ 1, BBB ,619 2, ,592 7,019 58,401 49,682 82%15% 50% 50% 57

58 1 1 73, ,672 73,004 1,014 74, ,834 16, ,534 17, , ,240 13, ,086 2,839 1, ,296 2,330 1, ,858 90,566 2,950 16, ,759 90,201 3,237 16, ,310 82% 3% 15% 82% 3% 15% 1. % % % % % % ,272 20,956 2,295 1,149 74,672 % % % % % % ,266 21,194 2,245 1,313 74,018 58

59 %96% 8B (3(3 3070% 44%

60 111 74, ,887 24,953 3, , ,867 25,302 3,714 13,922 94, , , ,655 74, ,825 26,260 3,714 14,228 95, ,558 (1) (199) (198) (2) (285) (684) 74, ,626 26,062 3,714 14,226 95, , , ,032 24,511 3,714 13,535 92, , ,058 74, ,820 24,781 3,714 13,535 92, , , ,681 3, , ,150 5,105 74, ,867 25,302 3,714 13,922 94, , , , ,478 2, , , ,655 60

61 111 2,295 2, , ,295 2, ,036 3,

62 111 66, ,991 23,245 5, , ,821 23,582 5,547 14,975 94, , , ,590 66, ,678 24,525 5,547 15,297 95, ,060 (1) (155) (185) (1) (316) (657) 66, ,523 24,340 5,547 15,296 94, , , ,491 22,797 5,547 14,923 92, , , ,086 23,020 5,547 14,923 92, , , ,701 3, , ,188 4,537 66, ,821 23,582 5,547 14,975 94, , , , , , , , , ,590 62

63 111 2,275 3, ,275 3, , % % % 64% 52%47%46% 71%70%53% % 2, % 1.646,

64 5, , , ,096 1, (4) 200 1, ,296 3,324 1, ,525 3,605 1, , ,100 4% 64

65 79%80% 48%70% 71%100% 59%62% 82%81% 9,229 2, ,811 1 (4,222) (1,623) (4) (258) (6,107) 5, ,704 (200) (198) (2) (285) (685) 4, ,019 48% 71% 2% 79% 53% 1, ,414 59% 82% 100% 90% 67% 6, ,806 (2,912) (150) (3,062) 3, ,744 3, ,744 46% 70% 45% ,068 59% 70% 100% 61% 65

66 9,128 2, ,759 1 (4,230) (1,616) (3) (279) (6,128) 4, ,631 (155) (185) (2) (316) (658) 4, ,973 48% 70% 2% 80% 53% 1, ,425 62% 81% 100% 72% 67% 6, ,512 (3,361) (183) (3,544) 3, ,968 3, ,968 48% 73% 47% ,294 63% 73% 100% 64%

67 1,377 5,893 2,936 2,605 12,811 1 (711) (2,815) (1,727) (854) (6,107) 666 3,078 1,209 1,751 6,704 (247) (251) (131) (56) (685) 419 2,827 1,078 1,695 6,019 70% 52% 63% 35% 53% , ,197 6,806 1,392 5,686 3,058 2,623 12,759 1 (748) (2,650) (1,771) (959) (6,128) 644 3,036 1,287 1,664 6,631 (253) (246) (128) (31) (658) 391 2,790 1,159 1,633 5,973 72% 51% 62% 38% 53%

68 ,863 1,087 2,267 7,512 3,200 6, ,844 3, ,073 (32) 3 (29) (214) (36) (250) (1,064) (1,064) (1,889) (1,889) (1) (1) (175) (175) (107) (107) (4) (4) (14) (14) , ,234 4, ,403 1, ,434 5, ,371 (170) (69) (239) (322) (233) (555) 1, ,195 4,820 (4) 4, , ,852 6, ,

69 9,229 2, ,890 4,230 1, ,186 (19) (14) (1) 2 (32) (500) (200) (364) (1,064) (146) (15) (14) (175) ,337 (26) (21) (1) (122) (170) ,167 4,222 1, ,167 5, ,723 9,128 2, ,830 1,852 1, ,375 (123) (41) (3) (47) (214) (528) (340) (146) (875) (1,889) (1) (1) (48) (34) (25) (107) (14) (14) 3,061 1, ,142 (25) (48) (249) (322) 3,036 1, , (5) 35 4,230 1, ,186 4, ,

70 24 6% 7%8% 9% 61%59% 72%68% 41%34% 49% % %0.1% 51% % 16 70

71 72% % 27,653 10,490 38,143 25,999 10,626 36,625 20,496 16,089 36,585 18,091 14,378 32,469 19,124 6,909 26,033 15,767 7,340 23,107 17,611 3,988 21,599 16,805 4,379 21,184 10,590 6,736 17,326 10,933 7,684 18,617 7,194 12,686 19,880 6,711 12,747 19,458 5,912 8,848 14,760 5,756 8,562 14,318 5,111 4,133 9,244 1,746 5,265 7,011 2,375 4,526 6,901 1,784 3,729 5,513 71

72 3,20011% 5% 72

73 97.5% IV I 39 73

74 27% 1, (0.1) (0.9)

75 60 100% /61 100% (BCBS295) 100% 265, , , , % 72.8% %30.9% 75

76 17,681 5,870 3,683 38,929 66,163 (4,894) (2,442) (1,912) (373) (9,621) 29,269 11,124 2,594 31,499 74,486 (10,887) (4,533) (2,491) (23,504) (41,415) 13,160 6,778 3,956 14,529 38,423 35,781 17,495 7,347 26,908 87,531 20,495 9,250 4,841 3,848 38,434 8,627 3, ,029 27,950 6,659 4,812 1,645 8,031 21,147 (1,139) (646) (28,877) (30,662) 78,971 33,646 13,177 59, , , ,605 52, , ,989 % 32.0% 23.0% 25.3% 27.4% 28.0% 17,572 4,540 4,071 39,129 65,312 (4,108) (2,511) (2,094) (399) (9,112) 25,972 8,292 3,222 29,242 66,728 (8,313) (5,243) (2,729) (21,963) (38,248) 12,903 5,887 3,308 11,214 33,312 35,549 17,043 7,654 33,633 93,879 19,553 9,056 5,332 9,395 43,336 8,942 4, ,939 27,615 7,054 3,983 1,592 10,299 22,928 (660) (314) (13,243) (14,217) 78,915 27,694 13,432 77, , , ,989 52, , ,483 % 32.9% 19.0% 25.6% 38.4% 30.9% 76

77 9,621 56,542 66,163 67,584 67, ,428 40,105 74, , , ,369 6, ,523 23,054 12, ,334 19,730 19,730 20,140 20, ,364 2,364 2,154 2,154 4,794 4,794 7,442 7,442 1,134 1, ,099 26,141 9, ,493 23, , ,

78 9,112 56,200 65,312 63,143 63, ,121 35,648 66, , , ,147 2, , ,425 11, ,699 18,337 18,337 16,264 16, ,174 2,174 1,937 1,937 4,642 4,642 7,209 7,209 1,059 1, ,484 20,560 9, ,860 22, , ,

79 56,542 9,621 66,163 10,875 9,305 7,078 4,944 3,473 8,056 11,491 12,362 67, ,427 19,624 10,160 4,416 2,970 1,798 1, , ,269 23,970 18,072 7,753 12,194 17,843 34,119 73, ,874 7,237 14,877 11,850 10,204 13,393 24,032 33,475 13, ,703 26,565 5,609 1, ,348 58, ,915 73,385 48,520 27,389 32,752 51,938 80, , , ,435 3,763 2, , ,631 45,854 23,999 11,466 8,826 2,130 1,196 1, ,698 11,038 9,816 7,176 4,684 3,305 8,593 12,125 9,608 66,345 1,534 1, ,753 8,126 4,825 20, ,623 13,248 6,356 2,246 2,744 1, ,388 42,027 24,779 4,890 3, ,348 50,017 2, ,911 20, ,506 79,105 44,254 19,664 15,963 20,913 23,875 52, ,168 (141,591) (5,720) 4,266 7,725 16,789 31,025 56,551 79,776 48,

80 56,200 9,112 65,312 6,654 7,957 6,926 5,413 4,152 9,136 14,181 8,724 63, ,208 16,629 9,180 3,648 2,494 1,982 1, , ,254 23,863 16,642 10,046 9,044 18,492 38,148 74, ,403 7,226 14,706 15,925 10,078 7,095 19,359 40,959 16, ,846 21,263 5,198 2, ,454 52, ,805 68,353 51,129 29,267 23,001 49,074 95, , , ,008 2,606 1, , ,048 33,939 20,768 8,539 7,974 1,960 1,187 1, ,127 6,830 7,510 6,878 5,137 4,324 8,552 14,304 8,404 61,939 1, , ,431 2,699 7,578 4,017 21, ,430 15,641 9,104 1, , ,834 47,559 17,475 5,947 3, ,429 42,008 3,591 4,061 14,200 21, ,497 65,813 45,247 16,594 15,423 21,466 29,129 47, ,971 (157,692) 2,540 5,882 12,673 7,578 27,608 65,985 83,938 48,

81 1 38,534 17,573 9,160 3,539 2,870 1,767 1, , ,790 21,729 15,344 6,967 16,625 17,043 75,338 51, , ,324 39,302 24,504 10,506 19,495 18,810 76,384 51, , ,339 3,986 2, , , ,972 34,688 18,294 11,003 18,732 60, ,005 1, , ,311 38,674 20,612 11,917 19,216 65, ,476 2, ,113 (39,987) 628 3,892 (1,411) 279 (46,935) (38,092) 48,920 (72,706) ,091 16,647 9,053 3,549 2,779 1,965 1, , ,687 22,171 13,262 8,045 13,269 18,084 79,150 52, ,403 85,778 38,818 22,315 11,594 16,048 20,049 80,797 52, , ,861 2,705 1, , , ,514 21,641 13,423 8,821 17,582 65, ,913 1, , ,375 24,346 15,167 9,806 17,860 74, ,624 2, ,375 (51,597) 14,472 7,148 1,788 (1,812) (54,950) (34,827) 50,575 (69,203)

82 83IV % % % , , %13.1% (12 13%) (9.2%)A IV ,400 25% 0.5%13.1% % 82

83 % % IV 5,598 5,596 3,957 3, ,753 29,128 12,161 12, (2,194) (241) (115) 45,303 45,177 (834) (564) (4,985) (4,820) (261) (212) (156) (569) (561) (630) (4) (27) (34) 1,250% (146) (200) (139) (168) (7) (32) (6,955) (6,995) 38,348 38,182 3,740 4,611 (20) (20) 42,068 42,773 15,128 16,278 (30) (30) 15,098 16,248 57,166 59, , ,

84 38,182 37, , (3,742) (241) (115) 1 (76) (165) (1,321) (59) (58) (141) (420) (49) (109) (270) (421) 54 (19) (12) (2) 38,348 38,182 4,591 4,750 (972) (29) (60) 130 (99) 3,720 4,591 16,248 17, (368) (1,144) (126) (411) 82 (162) ,098 16,248 57,166 59,

85 973%

86 ,353 16,703 18, ,673 30,157 4,385 34,542 5, ,408 35,294 8,953 44,247 42,087 2,693 2,576 47, ,340 33,693 21, , ,528 20,547 19, ,735 30,825 3,803 34,628 6, ,173 38,007 9,652 47,659 42, ,253 45, ,402 35,610 21, ,925 77,069 82, , ,730 54,995 57,566 54,611 56,815 1,110 (3,256) 293, ,925 86

87 152,583 37,532 5,878 45,337 44, ,246 35,107 20, ,648 (3,469) (1,644) 419 (1,779) 641 (5,832) (5,832) (2,364) (1,414) (133) (306) (4,217) (4,217) (3,460) (483) 222 (3,721) (3,721) 2,871 (142) 173 (486) 132 2,548 1,300 3,848 (1,108) (1,615) (2,723) (2,723) (1,371) (391) (45) (633) (1,306) (3,746) (3,746) ,682 33,458 6,647 40,691 44, ,555 35,610 22, ,171 (2,295) 613 (206) (698) (1,138) (3,724) (3,724) 160 (1,428) (1,098) (1,098) (12,270) (1,216) (84) (13,570) (13,570) (350) 93 (357) (1,399) (602) (148) (1,784) (1,103) (5,036) (5,036) (93) (93) 127,528 30,825 6,302 38,007 42, ,402 35,610 21, ,925 (765) (1,660) (1,131) (1,135) 574 (4,117) (4,117) 1, (123) 2,261 2,261 (1,540) 250 (1,290) (1,290) (1,377) 432 (2,221) (1,316) (4,482) 5,700 1,218 (97) (13) (1,917) (6,420) (8,337) 125,353 30,157 5,449 35,294 42, ,340 33,693 21, ,226 87

88 5.5%3.1%3.4% III 42,068 42,773 (1,753) (2,624) 40,315 40,149 67,584 63,143 14,454 13,430 49,335 36, , , , ,483 13,169 12,826 (39,629) (38,766) (26,698) (23,252) 7,535 8,922 52,492 58,379 (6,300) 5,283 6,936 11,299 (6,368) (6,331) 62,705 65, , , % 5.5% 729, % 88

89 CD306CD307 (i) (ii) CD % 4.5% A1.0%A56% 2.5% (G-SII)1.0% 0.2% 0.1% 0.2% 0.5%0% G-SIIA A1.7%1% A B (ICAAP)IV IV 89

90 G-SII1%G-SII 0.25% G-SIIG-SIIhttp://investors.sc.com/en/showresults.cfm?CategoryID = 360 G-SIIG-SII AI 19.4%23.1% 25%10% (i)(ii) 1.9% 20 (i) A(ii)3% G-SII 90

91 34 (a) (b) Andy Halford 91

92 Michelle Hinchliffe KPMG LLP 92

93 6,569 6,926 7,687 (2,577) (2,511) (2,695) 3,992 4,415 4, ,789 1,875 2,213 3 (211) (226) (255) (57) ,943 2,105 3,777 6,935 6,520 8,769 6 (2,938) (3,799) (3,320) 6 (390) (429) (402) 6 (868) (1,574) (985) 7 (348) (329) (335) (4,544) (6,131) (5,042) 2, ,727 8 (1,296) (3,324) (1,652) 9 (488) 9 (229) (281) (86) (3,621) 2, (339) (106) (567) 554 (3,727) 1, (21) (3,706) 1, (3,727) 1, (144.7) (144.7)

94

95 554 (3,727) 1, (100) (72) (1,399) (604) (28) (5) 1 (1) 48 (197) 140 (163) (170) (158) 44 (79) (13) 47 (22) (123) (1,736) (558) 431 (5,463) (29) (11) 391 (5,434) (5,463)

96 13 66,163 65, ,203 23,401 13, 14 67,584 63, ,238 64, , , , ,767 13, 15 39,870 34, ,364 2,174 2,154 1, ,794 4,642 7,442 7,209 1,134 1, , , ,214 37, , , ,332 20,872 13, 14 66,345 61, ,907 59,880 13, 17 40,408 32, ,725 5,451 13, 18 20,646 21, , , ,641 1,639 5,449 5,449 12,162 12,182 27,262 26,934 46,514 46, ,987 1,987 48,501 48, ,821 48, , ,483 96

97 1 6, , (57) (3,148) 30,024 46, ,738 1,512 1, ,531 (13) 31 (555) 9 2 (528) (30) (558) (17) (17) ,987 1,987 1,987 (30) (30) (30) (468) (468) (468) (1) (1) 6,723 1, , (26) (3,703) 31,204 49, ,344 (3,706) (3,706) (21) (3,727) (311) (20) (1,323) (74) 2 (1,728) (8) (1,736) (9) (9) 365 4,683 5,048 5,048 (28) (28) (28) (9) (9) (9) (453) (453) (453) ,088 1, , (46) (5,026) 26,934 48, , (111) (91) 2 (118) (5) (123) (30) (30) (115) (115) (115) 4 (11) (11) 7,090 1, , (17) (4,971) 27,262 48, , , , ,

98 893 (3,621) 2,098 2,121 4,833 2,116 (20,244) 27,591 9,221 20,587 (38,869) (31,375) (45) (78) (31) (654) (662) (623) 2,658 (10,806) (18,594) (55) (79) (51) (183) (94,099) (89,734) (119,785) 98,245 83, , ,933 (6,021) (7,383) 9 5, ,987 (2) (29) (39) (414) (501) (581) (1,884) (5) 1 82 (254) (319) (265) 3, ,842 (5,043) (3,833) (3,114) (145) (125) (67) (337) (418) (4,530) 528 2,359 2,061 (16,299) (23,618) 88, , ,870 1,676 (754) (771) 92,165 88, ,481 98

99 1. (Financial Conduct Authority) o 71 o 74 o 75 o 77 o 78 83IV

100

101 2. 8 3, , ,810 (2,090) (436) (209) (1,643) (156) (4,534) 1, ,276 (606) (247) (1) (242) (1,096) (212) 4 (5) (213) (12) (115) (115) (70) (70) (12) ,531 28,708 14,318 97, , , ,626 26,062 14,226 95,246 3, , ,071 32,081 24, ,736 75, , ,308 29,807 24, ,272 3, ,698 2,154 2,

102 3, , ,944 (2,184) (552) (146) (1,748) (806) (5,436) 1, (395) 1,508 (1,252) (787) (313) (4) (2,356) (181) (10) (34) (225) (379) (663) (350) (990) (1,193) (61) (7) (395) (189) (1,845) (863) (863) (1) (1) (362) (362) (2,435) (724) 91 (91) (462) (3,621) 288,047 25,460 15,393 97, , , ,523 24,340 15,296 94,697 5, , ,184 32,361 24, ,189 70, , ,462 30,685 24, ,584 1, ,127 1,937 1,

103 3, , ,495 (2,272) (519) (195) (1,762) (294) (5,042) 1, ,453 (824) (373) (94) (365) 4 (1,652) (63) (7) (16) (86) , , ,950 31,309 17,441 99, , , ,175 29,925 17,318 97,128 4, , ,772 34,913 26, ,352 85, , ,953 32,921 26, ,466 2, ,795 1,991 1,

104 2,551 2,054 1, (32) 6,810 (1,654) (1,189) (845) (669) (177) (4,534) (209) 2,277 (242) (412) (214) (124) (104) (1,096) (35) 4 (19) (163) (213) 102 (80) (471) 994 (19) (100) (17) 22 (1) (115) (70) (70) (458) , ,855 61, ,100 9, , ,020 81,335 30,015 43, , , ,761 39, ,748 43, , ,568 89,711 30,459 85, ,

105 2,689 2,053 1, ,944 (1,857) (1,334) (883) (699) (663) (5,436) (657) 1,508 (509) (1,127) (560) (61) (99) (2,356) (21) (48) (33) 16 (139) (225) 95 (14) (470) (171) 147 (893) (990) (520) (547) (112) (516) (150) (1,845) (863) (863) (1) (1) (362) (362) (123) (1,017) (284) (369) (1,828) (3,621) 233, ,566 60, ,478 8, , ,161 86,343 31,070 37, , , ,253 40, ,142 42, , ,519 90,731 33,013 71, ,

106 3,388 2,200 1, ,495 (1,906) (1,287) (907) (688) (254) (5,042) 1, ,453 (426) (815) (284) (131) 4 (1,652) (7) (15) (3) 2 (63) (86) , , , , , ,476 63, ,199 11, , ,401 97,617 34,428 33, , , ,803 42, ,361 43, , , ,094 33,873 74, ,

107 1, (826) (353) (311) (439) (269) (250) (250) (351) (5) (136) (36) (42) (66) (224) (113) (44) (59) (35) (25) (64) 135,832 44,969 28,536 86,643 25,067 22, ,791 52,984 61,258 27,996 11,156 43,389 15,866 11,810 29,202 12, ,674 39,101 24,444 86,855 15,193 14, ,767 47,615 97,647 28,635 19,872 57,197 11,453 10,745 63,562 17,523 1, (853) (450) (360) (463) (305) (268) (259) (373) (217) (102) (151) (163) (462) (234) (122) (32) (7) (3) (10) (4) (105) (4) 119 (266) (158) 28 (5) 131,517 44,252 26,354 87,380 24,840 22, ,836 56,356 54,927 27,552 12,268 47,394 15,996 12,456 23,897 11, ,439 38,364 23,250 90,372 14,244 17, ,826 54,828 97,848 28,055 19,526 60,158 11,110 13,545 47,901 18,

108 1, (883) (466) (367) (488) (280) (274) (253) (358) 1, (197) (138) (88) (101) (483) (116) (112) (19) (7) (14) (285) ,634 49,822 31, ,047 29,416 22, ,296 70,573 60,457 29,146 14,511 52,101 19,732 13,366 18,747 12, ,155 43,101 27, ,682 15,963 16, ,011 66, ,177 28,994 20,529 72,089 12,467 13,069 43,599 25,

109 (62) (12) (10) (19) (10) 46 (28) 1,578 1,649 1, ,7007,000 8,600 2,3002,100 1, ,100 1, , (740) 156 1,263 (217) (470) (347) 597 (174) 1,255 (188) 948 (1,096) (277) 475 1, (472) (70) 3 3 (56) (144) 26 (429) (278) (113) (70) (453) (57)

110 (2) (1) (3) 6. 2,326 2,442 2, , ,938 3,799 3, , , %0.09% 110

111 ,167 3,133 1, (49) 1,195 3,178 1, ,296 3,324 1, (13) (4) 47 (5) (4) (14)

112 % 20.25% (19) (4) (47) 74 (25) (96) (597) (1) (91) (568) % nm % 1. 7,1005,900 7, %16.5% (200)(900)(300) , ,

113 465728,432, / 8 % / 4 % % %

114 ,286, (3,822) 2,641,031 (144.7) 3 13, ,299, (3,822) 2,641,031 (144.7) 1 1,462 2,496, ,329 1,462 2,623, ,552 1,462 2,633, ,432,

115 33 6,935 6,520 8, (440) (55) 863 (6) (10) (84) 1 (111) (222) 1 3 (131) 414 (274) 6,804 6,934 8,495 (4,544) (6,131) (5,042) (4,526) (5,426) (5,030) (1,525) (4,093) (1,738) ,513 (1,309) (2,580) (1,738) (339) (106) (567) 2 (30) (194) 15 (369) (300) (552) (3,822) 1,462 (131) 414 (274) ,513 (30) (194) ,438 (247) 467 (1,384) 1, (52.4) (52.4) ,432,

116 ,163 66, ,988 2, ,710 1,560 3,270 1,590 1,590 14, , ,385 18,637 4,566 23, ,445 2,139 67, ,238 72, , ,604 36,833 36,833 69,552 3, ,868 1,364 1, ,749 3, , ,070 2,800 39,870 84,082 2,139 4, , , , ,727 65,312 65, , , ,008 1,039 4, , ,285 2, ,935 19,092 4,309 23, ,812 1,331 63, ,494 64, , ,356 32,453 32,453 77,684 2, ,594 1,720 1, ,857 2, , ,408 2,193 34,601 80,904 1,331 4, , , , ,

117 1,201 1,201 8,699 8,699 7,140 7,140 3,292 3,292 3,292 17,040 20, ,832 2,513 66,345 40,214 40, , ,999 54,907 54, , , ,646 20,646 67,124 2,513 17, , , ,494 8,494 8,917 8,917 2,824 2,824 2,824 18,048 20, ,390 2,549 61,939 37,611 37, , ,633 59,880 59, , , ,852 21,852 62,214 2,549 18, , ,

118 2,295 2,295 3, ,270 1, ,590 4,995 9, ,663 4,720 3,898 8, , , , , ,385 1,566 65, , , , , , ,320 1, ,233 4, ,833 30,124 39, ,552 17,164 9, ,909 7,060 9, ,588 5,900 20,155 26, ,364 71, ,629 2, ,536 1,201 1,201 8,699 8,699 6, ,140 1,517 1,775 3,292 1,556 64, , , , , , , ,073 82, ,

119 2,275 2,275 3, , ,492 8, ,285 4,181 3, , , , , ,382 2, , , , , , , , ,838 3, ,978 3, ,453 34,868 42, ,684 20,435 10, ,844 10,005 8, ,027 4,428 23,385 27, ,720 72, ,564 2, , , ,494 8, ,917 1,222 1,602 2, , , , ,013 11, , , ,917 80, ,

120 ,192 1, ,959 (42) 2 (161) 50 (35) (65) (251) (42) 2 (155) 35 (41) (201) (6) (65) (65) 1 6 (23) (16) 3 (27) (24) (11) (31) (50) (26) (118) (28) (52) (32) (8) (120) 1 (101) (21) (95) (36) (20) (120) (393) ,632 (45) 2 (151) 48 (35) (181)

121 ,731 (441) 5 (75) 22 (17) (24) (530) (441) 5 (75) (470) (17) (73) (90) (4) (1) (49) (20) (74) (29) (15) (44) (4) (1) (20) (5) (30) ,001 (161) (357) (72) (116) (304) (1,010) (25) (81) (22) (52) (180) 1 (185) (78) (78) (123) (162) (626) ,959 (430) 6 (66) 33 (17) 1 (473) (152) (53) (205) 1 (1) (16) (17)

122 (176) (26) (202) 1 (3) (3) %27.5% 24.1% 2.7%87.0% 57.6% %8.5% 6.3% %13.2% 2.3% %92.0% 0.7%4.0% 1.8% %15.3% 4.6% %21.7% 9.1% %13.7% 11.7% %4.0% 1.1% %92.0% 1, %20.0% 18.6% 10.5%15.0% 12.5% 2,

123 123

124 (541) (529) (535) , (106) (495) (482) (508) 964 1, ,180 1,286 1, (184) (379) (80) (107) 1 66,163 66,163 66,163 72,238 72, , ,604 6, , ,024 3,316 3, , ,070 37,070 37, , , , ,739 40,214 40,219 40, , , ,278 54,907 17,436 37,389 54,825 20,646 18, , ,953 39,953 39, ,719 35, , ,

125 1 65,312 65,312 65,312 64,494 64, , ,356 6, , ,881 2,910 2, , ,408 32,409 32, , , , ,192 37,611 38,058 38, , , ,614 59,880 17,612 42,230 59,842 21,852 20, , ,525 31,525 31, ,501 38, , ,

126 14. 2,136,134 25,914 25,176 1,846,097 20,379 20,013 1,317,880 24,254 26,228 1,325,425 26,880 28, ,454,314 50,168 51,404 3,171,976 47,259 48,013 2,117,425 13,399 11,155 2,121,493 10,810 10,780 57,647 1,480 1,682 72, ,171 1,108, ,588 3,283,126 15,093 13,024 2,780,857 11,745 11,951 25, , , , ,733 1,941 1,202 96,984 3,506 1,427 6,840,010 67,584 66,345 6,082,762 63,143 61, ,455 1, , , ,736 29, ,247 81,944 2,072 2,401 82,030 1,246 2,480 8, , , , , , , , , ,923 2,139 2,513 96,356 1,331 2,

127 ,276 4,907 14,454 13,430 3,387 3,949 13,953 10,122 37,070 32,408 2,126 1, ,870 34, Inner Mongolia Helingeer Standard Chartered Village Bank Limited (IMHSCVBL)Standard Chartered (Thai) Asset Management Co. Ltd Assurance Solutions Insurance Agency IncPrice Solutions Philippines Inc(FCDU)

128 16. 3, ,774 5,932 4, ,453 6,205 (444) (694) (1,138) (444) (538) (982) 3, ,080 4,794 4, ,223 4, ,551 6,149 (488) (488) 3, ,551 5,661 (430) (589) (1,019) 3, , ,276 4,907 3,387 3,949 12,789 10,074 18,501 12,595 39,953 31, ,408 32, Inner Mongolia Helingeer Standard Chartered Village Bank Limited (IMHSCVBL) Standard Chartered (Thai) Asset Management Co. Ltd.Assurance Solutions Insurance Agency IncPrice Solutions Philippines Inc (FCDU)15 128

129 18. 10,997 3,311 4,281 1,846 20, ,157 3,327 4,281 1,881 20,646 10,899 4,818 4,093 1,724 21, ,137 4,863 4,093 1,759 21, % % %2031 6, %2022 2,7704 1, , , , % 129

130 19. 2,334 2,409 2,626 (2,849) (2,831) (3,020) (515) (422) (394) (19) (23) (15) (534) (445) (409) (2) (6) (1) (39) (45) (43) (117) 69 (2) (13) (15) (14) (9) ,473 1,236 1, ,547 1,273 1, ,987 3,278 1,639 1,639 1, ,283 1,641 1,641 1,

131 50 4,911, ,186,004 2,154,390 5,694,8111, ,432, ,000599, , ,700 2,

132 Computershare Trustees (Jersey) LimitedBedell Trustees Limited 278,224 3,635,474 2,812, , , ,224 3,778,899 3,109, ,302,798 4,861,846 2,509, , ,850 1,409,269 4,999,696 2,509,499 5,140,070 7,517,013 7,517, ,626 29,694 7,626 9,361 37,252 39,055 5,500 4, ,576 45,327 13,084 14, , , , ,

133 (i) (ii) (iii) (iv) 3 (a) (b) 133

134 (c) (d) (New York State Attorney General) 134

135 23. 7,300 7,9007,400 Clifford Capital PT Bank Permata Clifford Capital PT Bank Permata

136 24. David ConnerLars Thunell Mike Rees Simon Lowth Jose Vinals John PeaceJohnNaguib Kheraj Conner David Conner Lars Thunell Jasmine Whitbread Gay Huey Evans B(1)(Royal Dutch Shell plc)bg Group plcsimon LowthBG Group plcom BhattGreenko Energy HoldingsDavid ConnerGaslog Ltd (i)(ii) (iii)

137 . (i)(ii)(iii) (i)(ii) B. 137

138 20% ,658,733 23,108, ,768 1,150, ,110 15,341, ,319,833 7,938,413 (4,539,317) (752,539) (14,007) (119,441) (75) (4,395,469) 9.06 (142,301) (4,565,777) (1,666) (201,996) (31,305) (207) ,296,948 25,728,651 88, , ,730 10,946, ,617 6,416,001 88, , , ,572,3422,410,84892,499 26,33550,909105,

139 C John Peace 246, ,343 10,056 O P Bhatt 2,000 2,000 K M Campbell 4 2,571 2,571 D P Conner 5 10,000 10,000 G Huey Evans, OBE 2,571 2,571 B E Grote 32,142 37,041 C M Hodgson 2,571 2,571 N Kheraj 2,571 2,571 KBE 3,474 3,474 J M Whitbread 2,571 2,571 S J Lowth 6 15,136 15,136 L H Thunell 7 8,708 8, (i)(ii) 1,000Kurt Campbell Kurt CampbellKurt Campbell David Conner Simon Lowth Lars Thunell 139

140 D. 1 W T Winters 2 8,435 25% 992,781 A N Halford 2 5,037 25% 592, (i)(ii) W T Winters 294, , , ,781 A N Halford 2 140, ,794 27, ,244 A M G Rees , ,634 70, , Andy Halford13, Mike Rees394,48170, Mike Rees (i)(ii) E F. XV

141 G. H. 37(3)

142 444, , ,769 (174,248) (169,785) (182,227) 269, , , , , ,636 (14,267) (15,281) (17,242) 49,495 (3,854) 65,520 42,801 34,687 57, , , , , , ,930 (198,658) (256,875) (224,487) (26,370) (29,008) (27,182) (58,691) (106,429) (66,602) (23,531) (22,246) (22,652) (307,250) (414,557) (340,923) 161,671 26, ,007 (87,631) (224,758) (111,703) (32,997) (15,484) (19,000) (5,815) 1,826 5,612 7,370 60,382 (244,840) 141,860 (22,922) (7,167) (38,339) 37,460 (252,007) 103,521 3,043 (1,420) 1,285 34,417 (250,587) 102,236 37,460 (252,007) 103, (97.8) (97.8) ,

143 37,460 (252,007) 103,521 (6,762) (4,868) 1,014 5,342 (94,596) (40,840) (1,893) 4,733 1,352 (338) 68 (68) 3,246 (13,320) 9,466 (11,022) (11,495) (10,683) 2,975 (5,342) 541 1,014 4,260 2,975 (879) 3,178 (1,488) (8,317) (117,382) (37,730) 29,143 (369,389) 65,791 2,705 (1,961) (744) 26,438 (367,429) 66,535 29,143 (369,389) 65,

144 4,473,717 4,416,175 1,568,908 1,582,296 4,569,800 4,269,515 4,884,488 4,360,865 17,756,390 17,401,538 7,509,838 7,760,154 2,695,874 2,339,602 25,289 26, , , , , , , , ,448 76,677 71,606 44,693,829 43,307,283 2,719,134 2,543,128 24,544,758 23,708,611 1,374,781 1,411,294 4,486,023 4,188,105 3,712,625 4,048,882 2,732,252 2,164,475 34,620 51, , ,578 1,396,012 1,477,558 21,367 19,812 15,552 14,538 36,107 30,089 41,392,719 40,027, , , , , , ,705 1,843,364 1,821,186 3,145,119 3,124, , ,354 3,279,473 3,258,512 21,637 21,705 3,301,110 3,280,216 44,693,829 43,307,

145 1 454,248 1, ,866 30,833 (3,854) (212,857) 2,030,121 3,139,574 20,691 3,160, , ,236 1, ,521 (879) 2,096 (37,527) (35,702) (2,028) (37,730) (1,149) (1,149) , , ,354 (2,028) (2,028) (2,028) 10,616 10,616 10,616 (31,645) (31,645) (31,645) (68) (68) 454, ,354 1, ,866 29,954 (1,758) (250,384) 2,109, ,317,744 18,730 3,336,474 (250,587) (250,587) (1,420) (252,007) (21,029) (1,352) (89,457) (5,004) 2 (116,841) (541) (117,382) (609) (609) 24, , , ,329 (1,893) (1,893) (1,893) (609) (609) (609) (30,630) (30,630) (30,630) 3 5,545 5, , ,354 1,217 1,156,514 8,925 (3,110) (339,841) 1,821,186 3,258,512 21,705 3,280,216 34,417 34,417 3,043 37,460 (7,505) 1,961 3,719 (6,153) 3 (7,979) (338) (8,137) (2,028) (2,028) ,623 1,623 1,623 (7,776) (7,776) (7,776) 4 (744) (744) 479, ,354 1,217 1,156,988 1,420 (1,149) (336,122) 1,843,364 3,279,473 21,637 3,301,

146 60,382 (244,840) 141, , , ,077 (1,368,830) 1,865, ,493 1,392,023 (2,628,190) (2,121,471) (3,043) (5,274) (2,096) (44,221) (44,762) (42,125) 179,725 (730,665) (1,257,263) (3,719) (5,342) (3,448) 1,014 3,448 3,922 (12,374) ,965 (6,362,654) (6,067,508) (8,099,454) 6,642,993 5,662,079 7,554, ,936 (407,120) (499,213) , ,354 (135) (1,961) (2,637) (27,993) (33,876) (39,285) (127,390) (338) 68 5,545 (17,175) (21,570) (17,918) 216,306 36, ,400 (340,991) (259,174) (210,558) (9,804) (8,452) (4,530) (22,787) (28,264) (306,303) 35, , ,358 (1,102,083) (1,596,969) 5,979,201 7,132,267 8,781, ,325 (50,983) (52,132) 6,231,884 5,979,201 7,132,

147 I

148

149 C

150

151

152

153 II III BIPRU II IV II III (0.01%)100 Prudential Sourcebook III 153

154 III2.5% Prudential Sourcebook 154

155

156 (ECAI) (G-SII) 12 1%3.5% IV(G-SII) (G-SII) (G-SII) IV III 100% 156

157 15% IV II AAABBB IV EBITDA 157

158

159 II III

160 160

161 XVA % XVA 161

162 7 3 /8%1 8 1 /4% % %