2017

2 6 8 9 10 47 54 65 87 99 102 104 113 119 224

1 2 Guangzhou Rural Commercial Bank Co., Ltd. GRCB 9,808,268,539.00 H (1551.HK) 9 2818 1 510623 www.grcbank.com H 2009129 914401017083429628 B1048H244010001 95313 ir @grcbank.com 2

1 466 472 510425 020-86295397 2 1731 510250 020-84278819 3 89 510380 020-81615712 4 3351 2 510635 020-38478002 5 138 510700 020-82386818 6 21 510800 020-36911004 7 98 510900 020-87999021 8 239 511400 020-34613991 9 2 511453 020-34929298 10 511442 020-34693683 11 19 511300 020-82649826 12 510470 020-86451956 13 56 510000 020-22382877 14 517000 0762-8808209 A101102103104 B105106 15 511500 0763-3910555 1 3 16 5 526040 0758-2812835 0101 07 17 261 1031042202 121616031605 1717011708 528000 0757-82581028 18 B6 B10 519031 0756-2993600 3

1 1 523756 0769-82183199 2 246 518118 0755-32832902 15A 3 215100 0512-80969696 51 4 266109 0532-67762806 160-12 5 605609617 226200 0513-83904316 6 19 271100 0634-5662720 7 464000 0376-6766222 10 8 63 528425 0760-22787010 9 453600 03736223005 10 223 620860 028-37666086 11 2 514500 0753-8682651 12 1 211700 0517-88558206 13 116600 0411-66771959 205 E 1 3 8 2 14 8 102300 010-60865137 15 189 193 529700 0750-8818081 16 528100 0757-87791698 9 103104105 17 181 265100 0535-3107730 18 672 261400 0535-2750000 19 33 343000 0796-2066666 20 455000 0372-2223000 21 101 102 421500 0734-2867002 22 188 618300 0838-5513187 4

23 611430 028-82580021 4 4 5 1 6 24 265500 0535-6319002 49 133 216 25 171 511458 020-29168101 11 1101 J28 26 6 412100 0731-27618647 2017 1 2016 2017 3 2 2016 500 2017 4 73 89 3 2017 6 4 2017 2017 6 5 2017 2017 2017 6 2017 6 2017 2017 8 7 2017 500 56 2017 8 8 2017 500 177 2017 9 9 2017 9 10 2017 2017 11 11 100 34 2017 11 12 2017 (CFV) 2017 12 13 2017 2017 12 14 2017 2017 12 5

1231 2017 2016 2017 2016 2015 2014 2013 % 11,694.53 10,670.82 9.59 11,595.89 12,006.10 10,596.82 2,291.39 2,976.39 (23.01) 2,889.61 1,742.29 1,369.29 13,478.66 15,239.79 (11.56) 16,213.15 13,858.79 12,138.67 (5,164.19) (5,457.19) (5.37) (5,773.14) (5,281.99) (4,744.97) (787.85) (3,259.75) (75.83) (4,010.90) (1,521.95) (891.89) 7,526.62 6,522.85 15.39 6,429.11 7,054.85 6,501.82 5,890.99 5,106.35 15.37 5,000.34 5,481.40 4,945.90 5,708.72 5,025.59 13.59 5,001.02 5,374.69 4,827.92 (1) 5.10 4.40 0.71 4.14 3.76 3.22 0.63 0.62 0.01 0.61 0.66 0.59 1231 2017 2016 2017 2016 2015 2014 2013 735,713.66 660,951.12 74,762.54 582,807.20 466,607.62 379,488.11 285,701.70 237,934.77 47,766.93 216,779.76 180,720.30 156,782.79 687,235.94 623,111.42 64,124.52 547,111.07 434,020.85 351,721.88 488,671.86 423,742.04 64,929.82 391,061.88 354,438.56 313,359.81 46,044.52 35,845.24 10,199.28 33,777.95 30,660.61 26,272.27 2,433.20 1,994.46 438.74 1,918.18 1,926.16 1,493.96 48,477.72 37,839.70 10,638.02 35,696.13 32,586.77 27,766.23 6

2017 2016 1231 2017 2016 2015 2014 2013 (2) 0.84 0.82 0.02 0.95 1.30 1.36 (3) 13.65 13.89 (0.24) 14.65 18.16 18.88 (4) 1.65 1.99 (0.34) 2.31 2.67 2.86 (5) 1.70 1.98 (0.28) 2.50 2.91 3.05 (6) 17.00 19.53 (2.53) 17.82 12.57 11.28 (7) 37.11 32.77 4.34 28.37 30.95 31.94 1231 2017 2017 2016 2016 2015 2014 2013 (8) 1.51 1.81 (0.3) 1.8 1.54 0.9 (9) 186.75 178.58 8.17 170.79 183.37 290.58 (10) 2.83 3.24 (0.41) 3.08 2.83 2.62 (11) 10.69 9.90 0.79 10.28 11.16 11.84 10.72 9.92 0.80 10.29 11.17 11.85 12.00 12.16 (0.16) 12.76 14.45 14.36 (12) 60.17 58.03 2.14 57.19 52.47 51.38 (1) 20171231 4.6920162015201420131231 (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) = * 100% = * 100% = * 100% (12) 7

20172017 H 2017 2018 8

2017 7,357 4,8872,94058.9 1.51%186.75%2017 100050 2017 2018 2018 9

20172011 2017 6.9% 2017 8.99 10.5%297.9%2017GDP 2.157%152018 2017 2018 10

1231 2017 2016 % 29,186.45 23,385.52 5,800.93 24.81 (17,491.92) (12,714.70) (4,777.22) 37.57 11,694.53 10,670.82 1,023.71 9.59 2,568.56 3,192.64 (624.08) (19.55) (277.17) (216.25) (60.92) 28.17 2,291.39 2,976.39 (685.00) (23.01) 1,299.40 986.40 313.00 31.73 (1,639.02) 450.81 (2,089.83) (463.57) (167.64) 155.37 (323.01) (207.90) 13,478.66 15,239.79 (1,761.13) (11.56) (5,164.19) (5,457.19) 293.00 (5.37) (787.85) (3,259.75) 2,471.90 (75.83) (631.10) (3,693.69) 3,062.59 (82.91) (156.75) 433.94 (590.69) (136.12) 7,526.62 6,522.85 1,003.77 15.39 (1,635.63) (1,416.50) (219.13) 15.47 5,890.99 5,106.35 784.64 15.37 201775.2715.39%58.91 15.37% 2017116.9510.249.59% 86.76% 2017 1231 2016 1231 % 29,186.45 23,385.52 5,800.93 24.81 (17,491.92) (12,714.70) (4,777.22) 37.57 11,694.53 10,670.82 1,023.71 9.59 11

2017123112 2016123112 % % 275,901.53 14,955.91 5.42 248,165.05 13,502.10 5.44 137,192.31 5,646.81 4.11 89,201.42 3,422.62 3.84 31,298.07 1,127.44 3.60 14,787.43 615.35 4.16 89,446.28 3,545.12 3.96 72,259.21 3,151.46 4.36 28,287.24 828.68 2.92 23,110.67 870.41 3.77 54,718.17 2,000.64 3.66 32,376.21 894.70 2.76 71,504.51 1,081.85 1.51 60,341.92 928.88 1.54 688,348.10 29,186.45 4.24 540,241.90 23,385.52 4.33 449,125.56 8,611.98 1.92 388,466.25 7,806.37 2.01 77,557.70 2,810.24 3.62 66,776.92 2,071.89 3.10 24,417.26 669.88 2.74 19,836.96 451.39 2.28 124,470.32 5,378.13 4.32 68,567.37 2,361.43 3.44 794.68 21.69 2.73 815.71 23.62 2.90 676,365.52 17,491.92 2.59 544,463.21 12,714.70 2.34 11,694.53 10,670.82 1.65 1.99 1.70 1.98 201794.24% 252.59%341.65% 281.70% 12

1,509.08 (55.27) 1,453.81 1,841.39 353.20 2,194.59 687.06 (174.97) 512.09 749.58 (355.92) 393.66 194.96 (207.09) (12.13) 617.41 488.53 1,105.94 171.83 (18.86) 152.97 5,771.31 29.62 5,800.93 1,218.97 (413.36) 805.61 334.50 403.85 738.35 104.22 114.27 218.49 1,925.27 1,091.43 3,016.70 (0.61) (1.32) (1.93) 3,582.35 1,194.87 4,777.22 13

1. 2017291.8658.0124.81% (1) 2017123112 2016123112 % % 177,299.35 9,842.11 5.55 143,717.27 8,039.80 5.59 87,773.68 4,675.94 5.33 75,863.06 4,449.21 5.86 10,828.50 437.86 4.04 28,584.72 1,013.09 3.54 275,901.53 14,955.91 5.42 248,165.05 13,502.10 5.44 149.5614.5410.77% 25.42% (2) 2017123112 2016123112 % % 28,287.24 828.68 2.92 23,110.67 870.41 3.77 54,718.17 2,000.64 3.66 32,376.21 894.70 2.76 83,005.41 2,829.32 3.40 55,486.88 1,765.11 3.18 20178.290.42 4.79% 14

2. 2017174.9247.7737.57% (1) 2017123112 2016123112 % % 93,189.88 475.59 0.51 69,923.22 358.25 0.51 87,796.78 3,005.16 3.42 78,965.18 2,801.20 3.55 180,986.66 3,480.75 1.92 148,888.40 3,159.45 2.12 85,108.95 269.71 0.32 75,098.86 235.33 0.31 120,814.71 3,086.21 2.55 110,784.11 2,885.30 2.60 205,923.66 3,355.92 1.63 185,882.97 3,120.63 1.68 62,215.24 1,775.31 2.85 53,694.88 1,526.29 2.84 449,125.56 8,611.98 1.92 388,466.25 7,806.37 2.01 201786.128.0610.32%2017 1.92%9 (2) 2017123112 2016123112 % % 77,557.70 2,810.24 3.62% 66,776.92 2,071.89 3.10 24,417.26 669.88 2.74% 19,836.96 451.39 2.28 101,974.96 3,480.12 3.41% 86,613.88 2,523.28 2.91 201734.80 9.5737.92% 6.702.1848.40% 15

1. 2017 1231 2016 1231 % 823.18 1,312.50 (489.32) (37.28) 126.34 126.08 0.26 0.20 393.99 470.37 (76.38) (16.24) 188.91 320.43 (131.52) (41.04) 620.54 546.22 74.32 13.61 142.18 191.20 (49.02) (25.64) 86.02 48.66 37.36 76.78 187.40 177.18 10.22 5.77 2,568.56 3,192.64 (624.08) (19.55) (29.57) (50.15) 20.58 41.04 (66.63) (43.58) (23.05) 52.89 (180.97) (122.52) (58.45) 47.71 (277.17) (216.25) (60.92) 28.17 2,291.39 2,976.39 (685.00) (23.01) 201722.916.8523.01% 17.00% 2. 201712.993.13 3. 201716.39 4. 20171.68 16

201751.642.935.37% 2017 1231 2016 1231 % 3,029.86 2,943.79 86.07 2.92 162.77 463.13 (300.36) (64.85) 513.97 512.79 1.18 0.23 1,457.59 1,537.48 (79.89) (5.20) 5,164.19 5,457.19 (293.00) (5.37) 1. 2017201658.67% 53.94% 2017 1231 2016 1231 % 2,031.90 1,858.41 173.49 9.34 525.01 572.11 (47.10) (8.23) 472.95 513.27 (40.32) (7.86) 3,029.86 2,943.79 86.07 2.92 201730.300.862.92% 17

2. 20171.632017 201651 2017 3. 20175.14 4. 201714.580.795.14% 1231 2017 2016 % 631.10 3,693.69 (3,062.59) (82.91) 156.75 (433.93) 590.68 136.12 787.85 3,259.76 (2,471.91) (75.83) 20177.8824.7275.83% 6.3130.63 201716.362.19 22% 18

20171231 20161231 % % 294,013.27 39.96 245,891.30 37.20 (8,311.57) (1.13) (7,956.53) (1.20) 285,701.70 38.83 237,934.77 36.00 219,698.88 29.86 190,072.92 28.76 103,767.44 14.10 83,022.94 12.56 15,270.18 2.08 35,980.38 5.44 14,443.63 1.96 18,380.85 2.78 6,606.54 0.90 3,910.82 0.59 76,393.40 10.38 79,963.09 12.10 13,831.89 1.89 11,685.35 1.77 735,713.66 100.00 660,951.12 100.00 (1) (2) 201712317,357.14747.63 11.31% 481.2219.57% 296.2615.59% 207.4524.99% 12.425.57% 35.704.46% 19

1. 20171231 20161231 % % 192,541.48 65.49 152,566.99 62.05 96,252.40 32.74 81,328.24 33.07 5,219.39 1.77 11,996.07 4.88 294,013.27 100.00 245,891.30 100.00 201712312,940.13481.22 19.57% 1,925.41399.7426.20% 962.52149.2418.35% 52.1967.7756.49% 20171231 20161231 % % 192,541.48 65.49 152,566.99 62.05 95,708.77 32.56 89,104.23 36.25 84,329.87 28.68 52,528.02 21.36 12,301.68 4.18 10,633.46 4.32 201.16 0.07 301.28 0.12 96,252.40 32.74 81,328.24 33.07 46,828.07 15.93 34,015.81 13.84 26,356.02 8.96 28,946.52 11.77 15,043.50 5.12 11,936.30 4.85 8,024.81 2.73 6,429.61 2.61 5,219.39 1.77 11,996.07 4.88 219.15 0.07 7,671.21 3.12 5,000.24 1.70 4,324.86 1.76 294,013.27 100.00 245,891.30 100.00 20

20171231957.09 843.30123.0249.71%43.80% 6.39%66.05 318.027.41%60.54% 20171231 468.28263.56150.4480.25 48.65%27.38%15.63%8.34% 128.1231.0715.95 37.67%26.03%24.81% 201712312.19 50.0074.5297.14% 20171231 20161231 % % 179,578.26 61.07 152,948.25 62.20 23,102.30 7.86 25,346.98 10.31 65,060.99 22.13 45,332.99 18.44 26,271.72 8.94 22,263.08 9.05 294,013.27 100.00 245,891.30 100.00 20171231266.30 197.2840.0917.41%43.52%18.01% 22.458.86% 68.94% 21

2. 20171231 20161231 % % 15,270.18 6.50 35,980.38 15.92 68,876.56 29.32 88,278.36 39.04 59,902.99 25.49 25,782.16 11.41 90,919.33 38.69 76,012.40 33.63 234,969.06 100.00 226,053.30 100.00 201712312,349.6989.16 3.94% 341.21132.34% 20171231 20161231 % % 27,982.69 12.31 21,040.10 10.67 61,634.64 27.11 48,727.06 24.71 8,092.76 3.56 12,453.30 6.32 6,996.43 3.08 8,489.20 4.31 122,639.37 53.94 106,474.54 53.99 227,345.89 100.00 197,184.20 100.00 22

20171231 20161231 % % 488,671.86 71.11 423,742.04 68.00 43,470.17 6.33 33,580.93 5.39 3,572.43 0.52 1,798.32 0.29 23,829.47 3.47 48,597.80 7.80 101,383.78 14.75 92,295.38 14.81 26,308.23 3.83 23,096.95 3.71 687,235.94 100 623,111.42 100.00 (1) 201712316,872.36641.25 10.29%649.3015.32% 3.11 23

1. 20171231 % 20161231 100,321.44 20.53 82,712.55 119,803.15 24.52 96,876.07 220,124.59 45.05 179,588.62 119,845.95 24.53 110,200.32 92,918.34 19.01 81,438.65 212,764.29 43.54 191,638.97 11,443.91 2.34 11,538.23 44,339.07 9.07 40,976.22 488,671.86 100.00 423,742.04 (1) (2) 201712314,886.72649.30 15.32%43.54%211.25 11.02%45.05% 405.3622.57%43.53%1.45 45.05%0.48 24

20171231 20161231 % % 9,808.27 20.23 8,153.42 21.55 10,581.74 21.83 4,839.81 12.79 3,777.43 7.79 3,200.15 8.46 8,718.22 17.98 8,020.43 21.20 (2,023.72) (4.17) (713.83) (1.89) 68.17 0.14 33.82 0.09 15,114.41 31.18 12,311.44 32.54 2,433.20 5.02 1,994.46 5.27 48,477.72 100.00 37,839.70 100.00% 2017123198.08105.82 16.5557.42 25

20171231 20161231 % % 282,467 96.07 232,045 94.37 7,096 2.41 9,391 3.82 1,019 0.35 1,835 0.75 2,555 0.87 2,151 0.87 876 0.30 469 0.19 294,013 100.00 245,891 100.00 (1) 1.51 1.81 (1) 2017 2017 12311.51%0.3 26

20171231 20161231 % % % (1) % 996 38.15 3.39 1,010 42.1 3.89 131 5.03 2.52 42 1.8 0.97 117 4.49 1.23 1 0.02 330 12.64 1.10 77 3.2 0.32 170 6.53 0.78 299 12.5 1.26 72 2.77 0.71 76 3.2 0.77 11 0.44 0.37 10 0.4 0.34 21 0.80 0.27 11 0.5 0.15 5 0.17 0.20 3 0.1 0.14 7 0.25 0.01 10 0.4 0.49 750 28.72 11.21 861 35.9 15.37 2,610 100.0 1.36 2,400 100.0 1.57 (1) 2017 27

20171231 20161231 % % % (1) % 2,610 100.00 1.36 2,400 100.0 1.57 1,840 100.00 1.91 2,056 100.0 2.53 129 7.03 0.28 123 6 0.36 1,246 67.71 4.73 1,549 75.3 5.35 135 7.34 0.90 109 5.3 0.91 330 17.91 4.11 275 13.4 4.28 4,451 1.51 4,456 1.81 (1) 2017 12 31 1.36%0.21 1.90%0.62 28

20171231 20161231 % % 288,048 97.97 237,147 96.4 5,965 2.03 8,744 3.6 3 1,801 0.61 3,572 1.5 31 783 0.27 1,429 0.6 13 2,424 0.82 3,120 1.3 3 957 0.33 624 0.3 294,013 100.00 245,891 100.0 3 4,164 1.42 5,173 2.1 2017123159.6527.79 2.03%1.57 20171231 20161231 % % 3,478 1.18 3,674 1.49 2017123134.781.96 29

20171231 20161231 10.69% 9.90% 10.72% 9.92% 12.00% 12.16% 9,808.27 8,153.42 10,581.74 4,839.81 3,777.43 3,200.15 8,718.22 8,020.43 15,114.41 12,311.44 991.18 1,103.43 (1,955.55) (680.01) 47,035.70 36,948.67 (382.22) (208.07) (115.90) 46,445.41 36,832.77 132.16 92.89 46,577.57 36,925.66 4,096.65 6,195.30 1,144.23 1,883.80 328.66 272.02 52,147.11 45,276.78 434,513.31 372,211.31 2017123112.00%20160.162017 2017521.47 201668.7015.17%H 2016 20172016623.0216.74% 2017 30

20171231 20171231 46,577.57 767,952.65 % 6.07% 20161231 20171231 6,617.82 43.4% 6,678.34 49.6% 5,971.75 39.2% 5,839.96 43.3% 2,621.73 17.2% 827.75 6.1% 28.49 0.2% 132.61 1.0% 15,239.79 13,478.66 20171231 873.6665.18123.78 149.2416.37 2017123142 44 31

201712312,319 36651.83% 20171231 1,764.1309.7521.3% 22,1421,382 500 2017 80358.1%57941.9% 2017143.9740.87% 35.4273.2% NRA 300 52(CIPS) 32

201747,767 27%ID23,73935% e VIP 20172,090.78 181.279.49% VIP 33

1. APP 30 1212,533 16.03 2. (1) (2) APP (3) 3. 2017561.52432.54 100.4230.24%116.47 20.8021.69%12.51 7.54152.14% + 20171231177.88 1. 2017123113 34

2. 1+N 3. 2017 1030 2017141.25657.81 762.88102.692017 565.250.72 201712121.8 23.4820176.7123.12% 20174.3750% 35

12528.51 135.8834.61%27957222 8.23% 20% 12 13.8653.51%5.28 1 2017 201712 4,439.269.39 2.338.28 2017121,5917.72% 1,234357 201712 877.6255.25%240.65 15.15%470.2329.60% 201720172017 2017300 201763 2016 2016 201782016 36

20171 20172 20173 20174 20171231626618 23% 5 2017123117724 3,2585.071 2,420838 1. APPH5 + e 201712 48.56201711287.06697% 37

2. 2017 2.4976142%126% 3. + O2O 201711.68 210201711214.15290% 4. 2017121662017112 540.536%2,702.516% 5. APP APP 2017 31620171,002.5511%1,856.09 65% 6. 2017 38 38

7. 201727VTMSTM2017 13.9 2017123124 444.7366.4217.3 201412 10 201712 6 2017 100% 20172018 39

2017 2017CRM 2017 201712317,7785,200 66.86% 40

2017 E-learning 20174754 2017 41

2017 42

2017 2017 2017 2017 43

2017 2017 30 2017 2016 2015 1231 1231 1231 141,003 115,730 112,880 30 27,322 346,692 105,727 516.07% 333.81% 106.77% 44

2017 2017 2017* 45

46

20161231 20171231 % 8,153,418,539 100 1,654,850,000 9,808,268,539 100 5,757,044,888 70.61 171,485,000 5,585,559,888 56.95 1,962,074,712 24.06 165,485,000 1,796,589,712 18.32 2,396,373,651 29.39 6,000,000 2,402,373,651 24.49 368,751,904 4.52 1,686,304 370,438,208 3.78 0 0 1,820,335,000 1,820,335,000 18.56 (1) 20176202017713 1,820,335,000H1,654,850,000165,485,000 (2) 29,156H110 (3) 14 2017972017 100 2012 35 47

9,808,268,5397,987,933,539 H1,820,335,000 10 41.57% 5% 3.73%3.45% 3.26% % 1 H 1,819,922,000 18.55 2 366,099,589 3.73 3 338,185,193 3.45 4 319,880,672 3.26 5 310,728,411 3.17 6 250,000,000 2.55 7 191,749,019 1.95 8 180,000,000 1.84 9 160,020,000 1.63 10 140,010,000 1.43 (1) 1,819,922,000H 18.55% (2) 2017123198 (3) 29,707,0000.30% 48

2017123156873.703.78% 20171231 XV23 336 (1) 1,796,589,712 18.32% 22.49% Aerial Wonder Company Limited (2) H 295,229,000 3.01% 16.22% (2) H 295,229,000 3.01% 16.22% (2) H 295,229,000 3.01% 16.22% (2) H 295,229,000 3.01% 16.22% (2) H 295,229,000 3.01% 16.22% (2) H 295,229,000 3.01% 16.22% (2) H 295,229,000 3.01% 16.22% (2) H 295,229,000 3.01% 16.22% H 295,229,000 3.01% 16.22% Guangzhou HongHui H 200,991,000 2.05% 11.04% InvestmentCo., Ltd H 200,991,000 2.05% 11.04% H 114,558,840 1.17% 6.29% (3) H 294,530,203 3.00% 16.18% Good Prospect Corporation Limited (3) H 294,530,203 3.00% 16.18% (4) H 294,554,000 3.00% 16.18% 49

(4) H 294,554,000 3.00% 16.18% (5) H 220,517,797 2.25% 12.11% NICE CITY ENTERPRISE LIMITED (5) H 220,517,797 2.25% 12.11% (1) 1,796,589,712366,099,589 338,185,193319,880,672 310,728,411191,749,019 137,283,91445,312,844 33,405,75218,304,522 9,152,2617,052,469 10,000,0009,152,261 282,805 88.23%7.65%4.12% 75% (2) Aerial Wonder Company Limited 75.24%70% 65%65% 295,229,000 (3) Good Prospect Corporation Limited294,530,203 (4) 294,554,000 (5) NICE CITY ENTERPRISE LIMITED220,517,797 50

20171231 336 5% 5%1418.32% 1,796,589,712 20171231 XV XV78 352 500,000 0.005% 0.006% 500,000 0.005% 0.006% 401,000 0.004% 0.005% 206,000 0.002% 0.003% 1,121,440 0.011% 0.014% (1) 60,020,000 0.612% 0.751% 1,201,000 0.012% 0.015% 51

405,800 0.004% 0.005% (2) 14,060,000 0.143% 0.176% 11,067,400 0.113% 0.139% (3) 49,010,000 0.500% 0.689% (4) 20,000,000 0.204% 0.250% (5) 10,010,000 0.102% 0.125% 1,201,000 0.012% 0.015% (6) 5,000,000 0.051% 0.063% 1,201,000 0.012% 0.015% 1,201,000 0.012% 0.015% 2,407,000 0.025% 0.030% (7) 42,010,000 0.428% 0.526% (1) 30,010,00020,000,00010,010,00087.14% (2) 65% (3) (4) 99% (5) 5,010,00099%5,000,000 90% (6) 84% (7) 45.4% 52

(8) 15,000,000 10.00% (9) 13,500,000 9.00% (9) 7,500,000 5.00% (9) 12,000,000 2.90% (10) 6,500,000 4.33% (8) 10.00% 65% (9) 2.90% 5.00%9.00% 99% (10) 4.33% 45.4% 20171231 XV 352 201620176212017620 20160.20 53

1 2 1961 10 2013.8 78.21 3 1967 11 2014.5 78.21 3 4 1964 6 2014.5 70.06 3 1961 6 2014.5 24.29 1964 1 2014.5 23.10 1961 3 2014.5 39.72 1964 4 2014.5 20.76 1960 5 2016.9 20.75 1962 1 2014.5 6.32 1964 6 2009.12 6.92 1958 6 2009.12 6.32 1963 5 2009.12 7.51 1972 3 2014.5 6.92 1970 12 2016.9 6.32 1962 10 2009.12 8.11 54

1 2 4 1968 9 2012.11 70.48 3 1969 10 2009.12 10.46 1978 2 2014.5 9.87 1964 11 2014.5 10.89 1945 12 2016.9 20.02 1966 10 2016.9 9.86 1969 5 2014.5 11.05 1971 2 2016.8 126.58 1970 4 2016.8 126.29 1 2 1967 11 2013.7 78.21 1963 11 2016.04 70.35 1961 11 2007.4 70.48 1970 7 2016.11 70.35 1968 11 2017.08 153.78 4 1968 6 2017.08 153.57 4 1977 3 2013.10 200.9 1972 11 2013.10 183.05 1973 12 2013.10 156.83 1976 12 2015.2 187.48 55

(1) 2017520 (2) (3) 2017 20172016 (4) 2017721 2017721 201821 2018131 20181312018116 196110 196711EMBA 56

19616 19641 19613 19644 19605 19621 57

19646EMBA 19586 19635 19723 58

197012 196210 19689 19712 19704 196411 59

196910 19782 194512 (MBA) DBA 196610 19695 60

196311 196111 19707 196811 19686 61

19773 197211 197312 197612 62

2017127,778 301,92424.74%31 351,63621.03%36 452,424 31.16%46 551,71422.04%56801.03% 56 歲以上 1.03% 46-55 歲 22.04% 30 歲及以下 24.74% 36-45 歲 31.16% 31-35 歲 21.03% 51,27116.34%6 101,66321.38%11 20 1,87924.16%212,96538.12% 5 年及以下 16.34% 21 年及以上 38.12% 6-10 年 21.38% 11-20 年 24.16% 63

7379.48%4,46357.38% 1,86323.95%7159.19% 中專 高中及以下學歷 9.19% 研究生及以上學歷 9.48% 大學專科學歷 23.95% 大學本科學歷 57.38% 64

65 股東大會董事會高級管理層戰略與投資委員會 ( 三農委員會 ) 審計委員會關聯交易與風險管理委員會提名與薪酬委員會消費者權益保護委員會監事會提名委員會審計委員會珠江金融租賃有限公司珠江村鎮銀行合規與風險管理委員會履職盡責監督委員會人力資源委員會創新與科技建設委員會資產處置評審委員會資產負債委員會業務連續性管理委員會財務審批委員會公司與金融市場板塊公司金融條線金融市場條線零售與運營板塊零售金融條線運營條線中心支行異地分行花城支行羊城支行公司金融管理部國際業務部交易銀行部總行營業部農業事業部戰略與新興產業事業部房地產事業部投資銀行事業部運營管理部(反洗錢中心)集中作業部金融市場管理部資產管理部金融同業部固定收益部資產託管部風險管理部授信審批部資產監控部合規與法律事務部人力資源部(黨委組織部)珠江商學院黨群工作部紀檢監察部財務與績效管理部信息技術管理部辦公室行政管理部安全保衛部戰略企劃部(博士後工作站)投資與機構管理部董事會辦公室監事會辦公室零售金融管理部零售風險管理部信用卡事業部網絡金融事業部私人銀行事業部消費金融事業部客戶服務部內部審計部

20171231 2017220162017 201742520162016 2016201620162016 201620179 62016 20179112017 3 42017 20172016 142 7 5 23.10(2) 66

4 14 67

20171231 D.3.1 68

69

16412 2016201783 16/16 3/3 16/16 3/3 16/16 3/3 11/11 3/3 16/16 3/3 5/5 3/3 16/16 3/3 11/11 5/5 3/3 16/16 3/3 3/3 3/3 1/16 0/5 0/3 16/16 3/3 3/3 16/16 3/3 11/11 1/16 0/11 2/3 16/16 3/3 3/3 16/16 3/3 3/3 16/16 11/11 5/5 16/16 11/11 5/5 (1) (2) 220171225 1 70

2017 5 20171231 20171231 71

5 1. 11 201732 2016 2016 201616 72

73 2. 6

201711 2016 201620172016 2017 2016201725 3. 5 74

20173 20162016 2016 201611 4. 5 75

201752016 20162017 2016H 201612319 5. 5 76

20173 3 3 1/2 2 77

83 32 78

2016 520162016 201620162017 7 2017 4/5 1/1 5/5 3/3 5/5 1/1 4/5 1/1 5/5 3/3 4/5 3/3 5/5 1/1 5/5 1/1 3/3 5/5 3/3 79

3 5 1. 5 201732016 20173 80

2. 5 201712016 1 1 81

20171231 201612232016 20179112017 15 2017 20172017 2017 592.7 82

9010% 10 5 10 10% 5 9010% 83

3% 3%10 2 H 183171712 1716 (852)28622863 (852)28650990/(852)25296087 1 (020)28019324 (020)22389227 1 (020)28019324 (020)22389227 ir@grcbank.com 84

2017620 20171231 20172017 [2017]5232017 [2017]491 85

2017 2017 2017 86

20171231 5 87

20172017 A.1.8 20171231 20171231 88

20171231 201742520160.20 201616.32017620 2017621 0.202017 19.622017 2018614H H2017 2018531 2018713 2017 2016 2015 2014 0.2 0.2 0.28 16.3 16.3 22.8 % 20.0 20.0 28.0 20% H 200811H 10% [1993]045[2011]348 H 89

H10% 10% H10%10% 201560 H10%20% H20% 20% 20172018531 2018430 2018531 H2017 2018427430H 18317M 20171231 20171231 90

20171231552.53 2017123125 34 20171231 91

10% 30% 5% 35 2017 3.13 92

14A 20171231 93

14A 14A 14A 14A24 48 14A 94

20171231H18.56% H H[2008]897 [2008]112 H 10% [2011]348H 1. 10%H 2. 10%H10% 3. 10%20%H 4. H20% 2017 2017 95

20176202017713 18.2HH5.10H1.00 84.40 96

660 15090122206,300 + 97

20183232018100 104.9% 5 100100 98

2017 2017123193 5 99

52016 201620162017 7 33 201620162017 12 20162016 100

101

2017123112 20162017620 201620176210.20 16.32017 70.35 2.73% 697.3 102

5% 5% 103

2017231.458.8 34.04%703.7155.2 28.3% 2017 2017 1. 20171,300100% 200 2. 201720 104

3. 2016 1201718 4. 2017 5. 2017 6802016 2017 55 264261 100 105

12 43 1,500 6. 2017 1168 20171231618 835581011044 2,420 2017100110 217 38.626.3 515 44 2017 49.48971 2017256 1311 106

1. 20177 20172,153 0% 2. e e 3. 2017 1 4. +2017100 200 5. 107

2017 10 6. 2017 1426.415 63 28.68 100 O2O + 1. OCR 108

2. 2017 3. 2017O2O 2018 2018 2018 2018 109

++ 2018 2018 110

13 1. 111

2. 3. 112

1 22 119223 2017123120171231 2017123120171231 113

20171231 294,01340% 8,312 2346 (a) 114

20171231 84,09611% 20171231 38% 21,24 (c)47 115

4041 116

117

2018326 118

20171231 1231 2017 2016 5 29,186,446 23,385,518 5 (17,491,919) (12,714,698) 11,694,527 10,670,820 6 2,568,556 3,192,636 6 (277,169) (216,248) 2,291,387 2,976,388 7 1,299,396 986,404 8 (1,639,034) 450,807 9 (167,616) 155,369 13,478,660 15,239,788 10 (5,164,194) (5,457,185) 13 (787,851) (3,259,757) 7,526,615 6,522,846 14 (1,635,624) (1,416,500) 5,890,991 5,106,346 5,708,718 5,025,586 182,273 80,760 5,890,991 5,106,346 17 0.63 0.62 119

20171231 1231 2017 2016 5,890,991 5,106,346 37 34,350 22,218 37 (1,309,889) (1,492,939) (1,275,539) (1,470,721) 4,615,452 3,635,625 4,433,179 3,554,865 182,273 80,760 4,615,452 3,635,625 120

20171231 1231 2017 2016 18 103,767,440 83,022,942 19 14,443,630 18,380,847 20 6,606,541 3,910,819 21 15,270,181 35,980,378 22 76,393,395 79,963,092 23 285,701,697 237,934,771 24 219,698,877 190,072,917 25 2,012,502 2,025,349 26 382,216 27 3,634,745 3,273,111 28 7,802,436 6,386,889 735,713,660 660,951,115 1,130,600 537,000 29 43,470,165 33,580,932 30 3,572,433 1,798,321 31 23,829,470 48,597,796 32 488,671,856 423,742,038 563,686 1,218,049 33 101,383,777 92,295,376 34 24,613,954 21,341,900 687,235,941 623,111,412 35 9,808,269 8,153,419 36 21,121,839 15,380,377 36 15,114,407 12,311,444 46,044,515 35,845,240 2,433,204 1,994,463 48,477,719 37,839,703 735,713,660 660,951,115 2018326 121

20171231 201711 8,153,419 4,839,809 3,200,146 8,020,433 (713,828) 33,817 15,380,377 12,311,444 35,845,240 1,994,463 37,839,703 5,708,718 5,708,718 182,273 5,890,991 37 (1,309,889) (1,309,889) (1,309,889) (1,309,889) 34,350 34,350 34,350 34,350 (1,309,889) 34,350 (1,275,539) 5,708,718 4,433,179 182,273 4,615,452 1,654,850 5,600,957 5,600,957 7,255,807 7,255,807 (32,199) (32,199) (32,199) (31,601) (63,800) 38 329,553 329,553 34(c) 173,172 173,172 173,172 173,172 (i) 577,286 577,286 (577,286) (ii) 697,785 697,785 (697,785) 16 (1,630,684) (1,630,684) (41,484) (1,672,168) 20171231 9,808,269 10,581,739 3,777,432 8,718,218 (2,023,717) 68,167 21,121,839 15,114,407 46,044,515 2,433,204 48,477,719 (i) (ii) 40,200 88,517 122

20171231 201611 8,153,419 4,696,696 2,690,094 6,665,655 779,111 11,599 14,843,155 10,781,372 33,777,946 1,918,184 35,696,130 5,025,586 5,025,586 80,760 5,106,346 (1,492,939) (1,492,939) (1,492,939) (1,492,939) 22,218 22,218 22,218 22,218 (1,492,939) 22,218 (1,470,721) 5,025,586 3,554,865 80,760 3,635,625 (2,293) (2,293) (2,293) 30,597 28,304 34(c) 145,406 145,406 145,406 145,406 (i) 510,052 510,052 (510,052) (ii) 1,354,778 1,354,778 (1,354,778) 16 (1,630,684) (1,630,684) (35,078) (1,665,762) 20161231 8,153,419 4,839,809 3,200,146 8,020,433 (713,828) 33,817 15,380,377 12,311,444 35,845,240 1,994,463 37,839,703 (i) (ii) 25,624 164,778 123

20171231 1231 2017 2016 7,526,615 6,522,846 10 513,965 512,785 22,179 22,083 7 (1,299,396) (986,404) (10,319,369) (7,189,419) 13 787,851 3,259,757 194,189 13,482 5,378,132 2,361,432 5 (88,050) (137,240) 8 1,640,902 (449,023) 8 (1,868) (1,784) 9 33,033 (578) 4,388,183 3,927,937 (12,809,794) (6,140,009) 4,451,691 3,868,156 (1,812,904) (2,273,822) (1,541,952) (3,981,050) (47,099,734) (24,652,780) (336,955) (430,336) (59,149,648) (33,609,841) 593,600 (469,000) 9,887,535 (70,482,437) 1,839,216 788,194 (24,768,326) 37,191,869 59,422,746 32,562,299 3,306,650 5,524,925 50,281,421 5,115,850 (4,480,044) (24,566,054) (2,210,906) (2,049,982) (6,690,950) (26,616,036) 124

20171231 1231 2017 2016 (500,163) (396,690) 158,794 39,617 (338,635,400) (521,962,414) 330,092,613 480,159,509 38 130,575 8 1,868 1,784 9,299,441 7,718,563 547,728 (34,439,631) 7,255,807 (63,800) 28,304 34(c) 140,911 156,529 186,237,340 168,761,852 (178,243,275) (98,900,677) (4,377,526) (1,595,633) (1,630,684) (1,630,684) (40,789) (35,078) 9,277,984 66,784,613 3,134,762 5,728,946 106,196,081 100,429,107 (83,613) 38,028 39 109,247,230 106,196,081 18,721,244 16,175,417 (11,887,046) (10,163,278) 125

20171231 1 1952 [2009]484 2009129 B1048H244010001 914401017083429628 9 126

20171231 1 201712312624 20171231 2017 1231 2016 2017 1231 1231 2016 2017 2016 1231 1231 1231 60,000 60,000 51.00% 51.00% 51.00% 51.00% 50,000 50,000 51.00% 51.00% 51.00% 51.00% 100,000 100,000 51.00% 51.00% 51.00% 51.00% 50,000 50,000 51.00% 51.00% 51.00% 51.00% 80,000 80,000 51.00% 51.00% 51.00% 51.00% 70,000 70,000 51.00% 51.00% 51.00% 51.00% 60,000 60,000 35.00%(i) 35.00%(i) 51.00% 51.00% 50,000 50,000 35.00%(i) 35.00%(i) 51.00% 51.00% 100,000 100,000 35.00%(i) 35.00%(i) 53.00% 53.00% 100,000 100,000 35.00%(i) 35.00%(i) 51.00% 51.00% 100,000 100,000 35.00%(i) 35.00%(i) 56.00% 56.00% 87,820 87,820 33.79%(i) 33.79%(i) 57.19% 57.19% 150,000 150,000 34.00%(i) 34.00%(i) 71.00% 71.00% 100,000 100,000 51.00% 51.00% 51.00% 51.00% 414,200 414,200 39.60%(i) 39.60%(i) 54.13% 54.13% 100,000 100,000 93.00% 35.00%(i) 93.00% 52.00% 60,000 60,000 35.00%(i) 35.00%(i) 51.00% 51.00% 100,000 100,000 35.00%(i) 35.00%(i) 51.00% 51.00% 127

20171231 1 2017 1231 2016 2017 1231 1231 2016 2017 2016 1231 1231 1231 150,000 150,000 51.00% 51.00% 51.00% 51.00% 200,000 200,000 33.40%(i) 33.40%(ii) 50.50% 50.50% 150,000 150,000 35.00%(i) 35.00%(ii) 35.00% 35.00% 50,000 50,000 34.00%(i) 34.00%(i) 100.00% 100.00% 300,000 300,000 35.00%(i) 35.00%(i) 83.00% 83.00% 150,000 150,000 35.00%(i) 35.00%(i) 100.00% 100.00% 600,000 51,129 51.00% 61.00% 1,000,000 1,000,000 100.00% 100.00% 100.00% 100.00% (i) (ii) 128

20171231 2.1 20171231 (a) (b) (c) (a) (b) (c) (a) (b) 129

20171231 2.1 (c) (d) (e) (f) (g) 2.2 7 12 12 20142016 12 2.3 2017 2 1 4 9 4 1 9 1 9 2 10 28 4 15 1 15 15 1 16 2 17 3 19 2 28 2 40 1 22 1 23 2 20142016 1 28 1 20152017 2 130

20171231 2.3 2017 1 201811 2 201911 3 202111 4 15916 91520181231 201479 201710 9 201811 9 (a) 9 131

20171231 2.3 2017 (a) (b) 9 12 12 132

20171231 2.3 2017 (b) (c) 2018119 92018111% 152014520164 15 15 15201811 201811 15 201611617 4 27 1617 133

20171231 2.4 (1) (2) 134

20171231 2.4 (2) (CVA)(DVA)(FVA) (i) (ii) (iii) (i) (ii) (iii) 135

20171231 2.4 (2) (i) (ii) (iii) 136

20171231 2.4 (2) (3) 137

20171231 2.4 (3) (4) 138

20171231 2.4 (4) (5) (6) (7) 139

20171231 2.4 (8) 1020 5% 4.75% 9.50% 45 5% 19.00% 23.75% 35 5% 19.00% 31.67% (9) (10) 140

20171231 2.4 (11) 10.00%50.00% (12) 1020 5% 4.75% 9.50% (13) (a)(b) 141

20171231 2.4 (13) 39 1231 (14) (15) 142

20171231 2.4 (15) (16) (17) 143

20171231 2.4 (17) (18) (19) 144

20171231 2.4 (19) (20) 145

20171231 2.4 (20) (i) (ii) (i) (ii) (21) 146

20171231 2.4 (21) (22) (a) (b) (i) (ii) (iii) (i) (ii) (iii) (iv) (v) 147

20171231 2.4 (22) (vi) (a) (vii) (a)(i) (viii) (23) (24) (25) 20172016 (26) 41 148

20171231 2.4 (27) (28) 3 149

20171231 3 20171231382,216 2016 26 150

20171231 3 2.1 151

20171231 4 (a) 152

20171231 4 (a) 20171231 9,769,905 4,578,405 14,838,136 29,186,446 (4,596,546) (3,878,266) (9,017,107) (17,491,919) 596,210 4,285,794 (4,882,004) 5,769,569 4,985,933 939,025 11,694,527 1,378,568 941,431 248,557 2,568,556 (175,660) (85,906) (15,603) (277,169) 1,202,908 855,525 232,954 2,291,387 1,299,396 1,299,396 (1,640,901) 1,867 (1,639,034) (294,142) (1,498) (2,729) 130,753 (167,616) 6,678,335 5,839,960 827,745 132,620 13,478,660 (1,506,487) (2,808,198) (672,881) (176,628) (5,164,194) (470,106) (182,509) (134,301) (935) (787,851) 4,701,742 2,849,253 20,563 (44,943) 7,526,615 (1,635,624) 5,890,991 148,362 310,937 32,879 43,966 536,144 144,333 302,494 31,986 21,350 500,163 20171231 191,558,514 96,154,756 443,926,050 4,074,340 735,713,660 (277,003,086) (234,629,504) (175,367,019) (236,332) (687,235,941) 102,855,738 19,967,279 122,823,017 153

20171231 4 (a) 20161231 8,040,071 4,449,824 10,895,623 23,385,518 (4,254,470) (3,551,889) (4,908,339) (12,714,698) 924,198 4,178,468 (5,102,666) 4,709,799 5,076,403 884,618 10,670,820 1,915,495 927,254 349,887 3,192,636 (90,154) (78,493) (47,601) (216,248) 1,825,341 848,761 302,286 2,976,388 986,404 986,404 449,023 1,784 450,807 82,679 46,589 (605) 26,706 155,369 6,617,819 5,971,753 2,621,726 28,490 15,239,788 (1,672,704) (2,904,911) (721,260) (158,310) (5,457,185) (2,069,860) (1,594,241) 402,712 1,632 (3,259,757) 2,875,255 1,472,601 2,303,178 (128,188) 6,522,846 (1,416,500) 5,106,346 150,254 296,757 48,858 38,999 534,868 134,985 217,830 31,488 12,387 396,690 20161231 153,545,406 82,080,607 421,931,767 3,393,335 660,951,115 (231,761,407) (211,930,088) (179,335,150) (84,767) (623,111,412) 99,105,019 17,352,057 116,457,076 (b) 154

20171231 5 1231 2017 2016 14,955,910 13,502,116 9,842,113 8,039,818 4,675,941 4,449,213 437,856 1,013,085 2,000,641 894,703 5,646,805 3,422,615 1,127,441 615,346 3,545,122 3,151,458 1,081,846 928,875 828,681 870,405 29,186,446 23,385,518 (8,611,976) (7,806,359) (669,876) (451,394) (2,446,913) (1,787,658) (5,378,132) (2,361,432) (i) (363,331) (284,233) (21,691) (23,622) (17,491,919) (12,714,698) 11,694,527 10,670,820 88,050 137,240 3,534,412 3,140,976 25,652,034 20,244,542 29,186,446 23,385,518 (i) 155

20171231 6 1231 2017 2016 823,175 1,312,498 126,335 126,078 393,987 470,369 188,922 320,429 620,543 546,218 142,179 191,197 86,015 48,664 187,400 177,183 2,568,556 3,192,636 (29,572) (50,151) (66,625) (43,580) (180,972) (122,517) (277,169) (216,248) 2,291,387 2,976,388 7 1231 2017 2016 (31,749) (397,690) 711,547 864,404 679,798 466,714 5,011 (887) 614,587 520,577 619,598 519,690 1,299,396 986,404 156

20171231 8 1231 2017 2016 1,868 1,784 (1,640,902) 449,023 (1,639,034) 450,807 9 1231 2017 2016 242 578 (33,275) 33,445 (308,260) 39,952 13,111 16,311 141,550 71,671 (5,525) (1,272) 24,541 (5,316) (167,616) 155,369 10 1231 2017 2016 2,031,898 1,858,413 108,530 114,358 183,604 225,601 232,880 232,146 69,599 61,418 77,836 131,006 317,464 314,505 8,053 6,347 3,029,864 2,943,794 1,196,775 1,248,967 162,774 463,134 513,965 512,785 254,889 281,456 5,927 7,049 5,164,194 5,457,185 157

20171231 11 20171231 (1) (2) (3) (4)= (1)+(2)+(3) 782 225 1,007 782 225 1,007 (i) 701 119 820 63 63 75 75 69 69 69 69 63 63 81 81 (ii) 63 63 (ii) 207 207 397 397 208 208 231 231 243 243 705 225 930 105 105 99 99 109 109 1,266 217 1,483 1,263 187 1,450 1,536 225 1,761 2,009 225 2,234 111 111 (iii) 99 99 (iii) 200 200 (i) (ii) (iii) 201797 20171225 201697 201712312016 20171231 2016 158

20171231 11 20161231 (1) (2) (3) (4)= (1)+(2)+(3) 728 233 961 728 233 961 655 233 888 63 63 75 75 75 75 63 63 63 63 75 75 (i) (i) (ii) 125 125 396 396 184 184 213 213 208 208 655 233 888 96 96 93 93 90 90 (ii) 388 74 462 (ii) 423 56 479 (ii) 1,051 152 1,203 (ii) 1,094 152 1,246 (ii) 40 40 87 87 (ii) 27 27 (ii) 19 19 (i) (ii) 20169720171225 2016823 201697 2016822 159

20171231 12 201720161231 1145(c) 1231 2017 2016 9,353 7,897 1,107 1,163 10,460 9,060 1231 2017 2016 500,0011,000,000 1,000,0011,500,000 1,500,0012,000,000 1 5 2,000,0012,500,000 4 2,500,0013,000,000 5 5 20171231 2016 13 1231 2017 2016 631,095 3,693,685 (513,135) (2,037) 73,687 10,101 (3,800) (4,974) 43,139 153,666 (33,819) 787,851 3,259,757 160

20171231 14 (a) 1231 2017 2016 1,550,877 2,190,610 84,747 (774,110) 1,635,624 1,416,500 (b) 20162017 20162017123125% 1231 2017 2016 7,526,615 6,522,846 1,881,654 1,630,711 (2,111) 59,849 131,153 (i) (320,973) (334,058) 15,094 (2,707) (6,488) 1,635,624 1,416,500 (i) 15 201712315,371 20164,844 161

20171231 16 2017 2016 1,630,684 1,630,684 0.20 0.20 201712310.201,961,654 20160.201,630,68420176212016 17 1231 2017 2016 5,708,718 5,025,586 9,023,915 8,153,419 0.63 0.62 201720161231 18 1231 2017 2016 2,443,043 3,335,225 (i) 69,854,954 57,540,461 (ii) 29,874,989 21,575,869 1,594,454 571,387 103,767,440 83,022,942 (i) (ii) 201720161231 162

20171231 19 1231 2017 2016 11,109,974 16,672,265 1,304,771 1,276,358 2,028,885 432,224 14,443,630 18,380,847 20 1231 2017 2016 5,206,541 1,655,819 1,400,000 2,255,000 6,606,541 3,910,819 21 1231 2017 2016 (i) 700,325 187,701 5,429,762 1,456,474 481,045 2,316,380 1,076,933 3,201,786 7,688,065 7,162,341 (ii) 7,582,116 28,818,037 15,270,181 35,980,378 (i) (ii) 163

20171231 22 1231 2017 2016 50,949,815 40,885,123 25,443,580 39,077,969 76,393,395 79,963,092 64,032,397 68,757,577 12,360,998 11,205,515 76,393,395 79,963,092 2017123120,969,317 201666,382,311 20171231140,057 201614,542,945 23 1231 2017 2016 192,541,478 152,566,990 46,828,065 34,015,811 26,356,022 28,946,516 15,043,496 11,936,296 8,024,819 6,429,614 96,252,402 81,328,237 5,219,393 11,996,069 294,013,273 245,891,296 (8,311,576) (7,956,525) 285,701,697 237,934,771 164

20171231 23 201720161231 201611 1,177,820 5,701,475 6,879,295 2,278,616 1,578,020 3,856,636 (65,355) (97,596) (162,951) 5 (123,591) (13,649) (137,240) (2,768,744) (527,217) (3,295,961) 735,150 81,596 816,746 20161231201711 1,233,896 6,722,629 7,956,525 690,534 152,293 842,827 (93,157) (118,575) (211,732) 5 (73,997) (14,053) (88,050) (814,270) (475,511) (1,289,781) 799,330 244,443 1,043,773 18,948 39,066 58,014 20171231 1,761,284 6,550,292 8,311,576 2017 1231 2016 (i) 289,562,636 241,435,762 (ii) 2,812,972 2,608,223 1,637,665 1,847,311 294,013,273 245,891,296 (i) (5,265,784) (5,376,680) (ii) (1,761,284) (1,233,896) (1,284,508) (1,345,949) (8,311,576) (7,956,525) (i) 284,296,852 236,059,082 (ii) 1,051,688 1,374,327 353,157 501,362 285,701,697 237,934,771 1.51% 1.81% (i) (ii) 165

20171231 24 1231 2017 2016 (a) 90,919,325 76,012,399 (b) 59,902,988 25,782,157 (c) 68,876,564 88,278,361 219,698,877 190,072,917 (a) 1231 2017 2016 (i) 91,345,523 76,440,634 (426,198) (428,235) (167,174) (238,104) (259,024) (190,131) 90,919,325 76,012,399 (i) 20171231 160 20161231160 201611 169,041 185,507 354,548 152,793 94,560 247,353 (83,730) (89,936) (173,666) 20161231 238,104 190,131 428,235 73,095 201,793 274,888 (144,025) (132,900) (276,925) 20171231 167,174 259,024 426,198 166

20171231 24 (b) 1231 2017 2016 (i) 22,497,872 8,050,822 32,908,394 11,285,893 2,206,025 6,445,442 2,300,798 59,913,089 25,782,157 (10,101) 59,902,988 25,782,157 59,339,547 26,037,010 (i) 1,207,890 201611 3,800 (3,800) 20161231 10,101 20171231 10,101 167

20171231 24 (c) 1231 2017 2016 (i) 4,784,494 12,801,575 23,296,485 35,984,691 5,405,690 3,691,477 3,618,700 5,287,416 37,105,369 57,765,159 (ii) 31,720,041 30,462,148 (iii) 51,154 51,054 68,876,564 88,278,361 (i) (ii) (iii) 168

20171231 25 201611 3,873,579 200,532 490,118 1,134,285 71,411 5,769,925 8,121 219,224 34,209 92,398 2,495 356,447 21,118 (147,759) 39,629 87,012 52,459 27,769 80,228 (8,469) (125,268) (1,437) (135,174) (1,446) (16,245) (598) (18,289) 20161231 201711 3,945,362 255,752 563,358 1,216,196 72,469 6,053,137 88,464 236,801 30,704 71,417 3,014 430,400 105,219 (165,907) 27,819 32,869 38 95,107 3,875 10,068 668 109,718 (110) (3,264) (61,857) (3,440) (68,671) (4,579) (99,356) (68,948) (172,883) 20171231 4,229,463 231,165 549,669 1,268,693 72,711 6,351,701 201611 2,597,209 260,136 754,238 60,809 3,672,392 198,481 84,763 164,758 5,360 453,362 (8,077) (87,119) (1,336) (96,532) (1,434) (1,434) 20161231 201711 2,786,179 344,899 831,877 64,833 4,027,788 190,363 71,196 151,752 2,527 415,838 (110) (3,264) (58,463) (3,426) (65,263) (4,530) (34,634) (39,164) 20171231 2,971,902 378,197 925,166 63,934 4,339,199 20161231 1,159,183 255,752 218,459 384,319 7,636 2,025,349 20171231 1,257,561 231,165 171,472 343,527 8,777 2,012,502 169

20171231 25 1231 2017 2016 50 170,343 66,239 1050 1,038,213 1,034,015 1,208,556 1,100,254 2017123149,005 201658,929 201720161231 26 20161120161231 38 382,216 20171231 382,216 2017122017123138 170

20171231 27 20171231211 20164,983 2017 2017 11 2017 1231 2,644,509 (204,506) 2,440,003 237,946 436,630 674,576 68,798 12,809 81,607 255,087 22,864 277,951 30,245 (3,641) 26,604 2,355 (1,182) 1,173 38 9,751 9,751 39,154 84,137 123,291 3,278,094 (89,519) 436,630 9,751 3,634,956 3,319 (3,319) 1,664 (1,453) 211 4,983 (4,772) 211 171

20171231 27 2016 2016 11 2016 1231 2,024,656 619,853 2,644,509 237,946 237,946 68,798 68,798 237,930 17,157 255,087 20,522 9,723 30,245 7,013 (4,658) 2,355 10,769 28,385 39,154 2,300,890 739,258 237,946 3,278,094 259,701 (259,701) 30,624 (30,624) 7,397 (4,078) 3,319 1,814 (150) 1,664 299,536 (34,852) (259,701) 4,983 20172016 172

20171231 28 2017 1231 2016 (a) 5,723,067 4,661,497 (b) 181,371 22,572 325,080 354,946 534,371 174,941 (c) 380,553 506,794 (d) 208,071 115,898 178,364 188,938 311,985 70,000 201,559 49,318 7,802,436 6,386,889 (a) 1231 2017 2016 4,575,296 3,664,534 827,914 685,987 364,484 360,577 5,767,694 4,711,098 (44,627) (49,601) 5,723,067 4,661,497 2017123170,418 2016103,392 (b) 1231 2017 2016 50 3,974 4,056 1050 177,397 18,516 181,371 22,572 173

20171231 28 (c) 1231 2017 2016 402,659 589,066 155,901 830 558,560 589,896 (178,007) (83,102) 380,553 506,794 201611 111,371 260 111,631 (28,529) (28,529) 20161231 82,842 260 83,102 103,619 103,619 (8,714) (8,714) 20171231 74,128 103,879 178,007 (d) 174

20171231 29 2017 1231 2016 29,981,660 3,690,686 13,488,505 29,890,246 43,470,165 33,580,932 30 1231 2017 2016 1,565,556 1,798,321 200,000 1,806,877 3,572,433 1,798,321 31 1231 2017 2016 23,829,470 48,597,796 23,829,470 48,597,796 175

20171231 32 1231 2017 2016 119,803,153 96,876,070 92,918,339 81,438,653 212,721,492 178,314,723 100,321,436 82,712,546 119,845,949 110,200,321 220,167,385 192,912,867 11,443,908 11,538,231 (i) 44,339,071 40,976,217 488,671,856 423,742,038 (i) 2017123133,047,430 201635,721,140 33 1231 2017 2016 2012(a) 3,497,914 2014(b) 4,097,633 4,097,125 4,097,633 7,595,039 (c) 97,286,144 84,700,337 101,383,777 92,295,376 (a) 201262835 105.99%6292017629 (b) 201491141 106.26%9155 176

20171231 33 (c) 20172016123197,286,14484,700,3374.20% 5.00%2.83%5.00%20182017 34 2017 1231 2016 (a) 7,944,259 7,826,714 90,565 90,500 562,321 403,986 29,500 (b) 1,875,948 1,743,439 447,548 145,703 15,000 15,000 (c) 17 32,278 (d) 894,705 836,793 38,569 69,891 36,177 30,555 (e) 9,092,320 9,675,000 1,588,916 653,925 330,065 244,959 4,690 9,417 1,009,429 217,665 24,613,954 21,341,900 (a) 2017 1231 2016 241,075 157,722 7,518,586 7,379,577 (i) 84,343 64,273 24,226 40,722 74,859 184,056 1,170 364 7,944,259 7,826,714 (i) 177

20171231 34 (b) 1231 2017 2016 1,207,087 1,049,143 5,387 5,429 641 488 396 728 100,121 88,012 689 18,966 (i) 455,173 459,640 106,419 120,983 35 50 1,875,948 1,743,439 (i) 1231 2017 2016 11 459,640 445,075 (23,550) (23,471) 53,433 60,254 (34,350) (22,218) 1231 455,173 459,640 20172016 1231 2017 2016 4.10% 3.01% 4.35% 3.50% 0 5% 0 5% 60 60 50/55 50/55 178

20171231 34 (b) (i) 2017 1231 2016 +50 (28,506) (26,204) -50 31,969 28,826 1231 2017 2016 +50 31,088 20,765-50 (27,991) (19,235) (c) 20171231 2,121,304 201612311,980,393 2,121,287201612311,948,115 20171231306,013 20161231306,013 1,815,274 201612311,642,10220171231 17 2016123132,278 179

20171231 34 (d) (e) 20171231 136(20161231336)3364.80%6.00%201612 313.70%4.90% 35 20171231 20161231 8,153,419 8,153,419 8,153,419 8,153,419 1,654,850 1,654,850 20171231 20161231 9,808,269 9,808,269 8,153,419 8,153,419 2017611,439,000 5.1020177 5.10215,8501 36 (a) (b) 10% 50% 25% 2017123110% 537,086 2016484,428 180

20171231 36 (c) 2012712018 1.5%20171231 609,268 20161,190,000 2017123120161231 1.5% (d) (e) (f) (i) (ii) 181

20171231 36 (f) 20172016 201611 4,696,696 2,661,377 6,517,563 779,111 11,599 14,666,346 10,791,745 4,844,279 145,406 145,406 (1,492,939) (1,492,939) 22,218 22,218 484,428 484,428 (484,428) 1,190,000 1,190,000 (1,190,000) (1,630,684) 20161231 201711 4,842,102 3,145,805 7,707,563 (713,828) 33,817 15,015,459 12,330,912 5,370,864 5,600,957 5,600,957 173,172 173,172 (1,309,889) (1,309,889) 34,350 34,350 537,086 537,086 (537,086) 609,268 609,268 (609,268) 16 (1,630,684) 20171231 10,616,231 3,682,891 8,316,831 (2,023,717) 68,167 20,660,403 14,924,738 182

20171231 37 2017 1231 2016 34,350 22,218 (2,144,630) (1,538,885) (398,111) 451,701 27 (436,630) (497,647) (1,275,539) (1,470,721) 38 [2017] 31220171251% 61% 583,895 67,334 732,332 1,214,836 584,513 2,864,669 109,718 9,751 256,805 (1,698) (5,618,882) (5,667) (125,049) 672,557 329,553 26 382,216 725,220 183

20171231 38 1,214,836 1,272,850 (49%) (725,220) 855,795 130,575 20171220171231 5,929,189 39 1231 2017 2016 18 2,443,043 3,335,225 18 29,874,989 21,575,869 9,597,207 9,082,733 1,731,294 668,862 65,600,697 70,712,346 821,046 109,247,230 106,196,081 40 184

20171231 40 1231 2017 2016 2,893,829 14,204,853 2,879,600 14,358,296 20171231 20162,445,8322016524,918 201612 31179 20171231 6,017,962 2016 20171231 326,275 2016 201712313,444,851 2016 185

20171231 41 20171231123,449,770 2016134,820,17720171231 188,922 2016320,429 201712312016 20171231 9,462,813 2016 40 186

20171231 41 20171231 20171231 7,582,116 26,610,041 90,919,325 125,111,482 125,111,482 5,110,000 5,110,000 5,110,000 287,407 302,272 276,000 865,679 865,679 7,869,523 32,022,313 90,919,325 276,000 131,087,161 131,087,161 20161231 28,818,037 27,261,135 76,012,399 132,091,571 132,091,571 3,201,013 3,201,013 3,201,013 735,910 549,951 1,285,861 1,285,861 29,553,947 31,012,099 76,012,399 136,578,445 136,578,445 187

20171231 42 (a) 1231 2017 2016 157,963 79,341 (b) 1231 2017 2016 275,655 286,361 694,576 863,149 210,452 257,076 1,180,683 1,406,586 (c) 1231 2017 2016 6,517,566 14,254,858 14,924,292 11,159,152 1,636,634 4,880,321 (i) 87,366,353 76,060,474 12,378,172 10,102,271 122,823,017 116,457,076 (i) 188

20171231 42 (d) 1231 2017 2016 16,577,622 20,309,319 0%100% (e) 201712316,973 2016 12,350 (f) 201712312016 200,000 (g) 20171231 90,000 201690,000 43 1231 2017 2016 (21,814,375) (30,993,542) 21,814,375 30,993,542 6 189

20171231 44 2017123125,633,386 201639,388,868 45 (a) 1 (b) (i) 5% 1231 2017 2016 840,000 1,145,000 250,000 860,000 1,745 2,431 5,029,913 345,029 5,285 63 1231 2017 2016 85,876 40,428 36,407 529 7,919 12,018 2.28% 7.11% 4.35% 6.33% 0.30% 3.20% 0.30% 0.39% 4.25% 4.65% 4.25% 5.00% 190

20171231 45 (b) (ii) (iii) 1231 2017 2016 6,159,253 5,784,361 10,367 9,546 12,190,259 19,933,118 38,560 8,915 1231 2017 2016 242,070 290,072 90,445 36,798 62,790 52,061 3.21% 8.33% 2.28% 10.00% 0.05% 4.00% 0.05% 2.94% 191

20171231 45 (c) (i) 1231 2017 2016 35,816 39,246 63 72 221,228 87.272 447 212 1231 2017 2016 1,661 1,885 830 253 2.86% 15.00% 3.43% 7.27% 0.01% 5.40% 0.01% 5.40% (ii) 1231 2017 2016 27,738 20,472 192

20171231 46 (a) 193

20171231 46 (a) (1)(2)(3) (4)(5) 2.4(3) 194

20171231 46 (a) 195

20171231 46 (a) 46(a)(ii) (i) 1231 2017 2016 101,324,397 79,687,717 14,443,630 18,380,847 6,606,541 3,910,819 15,270,181 35,980,378 76,393,395 79,963,092 285,701,697 237,934,771 90,919,325 76,012,399 59,902,988 25,782,157 68,825,410 88,278,361 6,615,355 5,512,428 726,002,919 651,442,969 200,000 122,823,017 116,457,076 848,825,936 768,100,045 196

20171231 46 (a) (ii) 46(a)(iv) 46(a)(v) 20171231 5,212,505 1.77% 3,002,433 505,960 0.17% 378,321 21,904,621 7.45% 15,793,194 2,855,931 0.97% 1,907,313 10,219,924 3.48% 5,145,926 9,553,991 3.25% 5,635,975 3,074,292 1.05% 2,413,928 29,360,166 9.99% 18,743,663 7,593,569 2.58% 5,004,016 5,321,100 1.81% 1,761,445 45,968,454 15.61% 33,886,442 30,017,750 10.21% 19,773,008 811,675 0.28% 386,280 7,713,316 2.62% 2,977,013 2,222,934 0.76% 1,428,525 4,697,822 1.60% 3,991,583 2,970,171 1.01% 1,256,806 2,490,316 0.85% 1,863,415 46,981 0.02% 8,350 192,541,478 65.48% 125,357,636 96,252,402 32.74% 73,382,877 5,219,393 1.78% 4,154,015 294,013,273 100.00% 202,894,528 197

20171231 46 (a) (ii) 20161231 4,347,044 1.77% 2,550,984 695,311 0.28% 497,897 23,679,202 9.63% 16,805,544 2,060,304 0.84% 962,700 9,875,543 4.02% 5,277,488 6,453,985 2.62% 3,498,820 2,950,044 1.20% 2,398,120 25,937,735 10.56% 20,611,352 7,551,007 3.07% 5,945,767 2,756,965 1.12% 1,514,659 24,790,735 10.08% 20,905,841 24,014,817 9.77% 16,648,394 450,582 0.18% 100,463 8,059,176 3.28% 3,142,327 2,187,686 0.89% 1,937,338 2,563,903 1.04% 2,241,577 2,494,498 1.01% 921,663 1,622,286 0.66% 1,600,166 76,167 0.03% 12,469 152,566,990 62.05% 107,573,569 81,328,237 33.07% 61,356,429 11,996,069 4.88% 9,365,304 245,891,296 100.00% 178,295,302 198

20171231 46 (a) (ii) 10% 20171231 45,968,454 6,626 774,343 1,576 752,278 729,330 10,355 30,017,750 330,045 359,446 233,045 578,068 819,842 34,243 20161231 24,790,735 544,915 526,965 200,161 195,938 25,937,735 1,009,908 2,173,787 637,076 550,622 1,093,928 1,316,928 (iii) 1231 2017 2016 287,845,596 237,114,635 1,717,040 4,321,127 4,450,637 4,455,534 294,013,273 245,891,296 (6,550,292) (6,722,629) (1,761,284) (1,233,896) (8,311,576) (7,956,525) 285,701,697 237,934,771 199

20171231 46 (a) (iii) 20171231 20161231 25,475,051 303,525 25,778,576 21,590,966 285,929 21,876,895 60,585,299 2,280,418 62,865,717 40,173,565 2,521,207 42,694,772 172,865,665 3,271,833 176,137,498 144,672,176 2,711,521 147,383,697 22,842,702 221,103 23,063,805 24,802,839 356,432 25,159,271 281,768,717 6,076,879 287,845,596 231,239,546 5,875,089 237,114,635 20171231 20161231 746,770 411,652 1,158,422 1,848,668 616,397 2,465,065 63,286 186,574 249,860 213,597 321,691 535,288 215,063 92,044 307,107 326,110 226,805 552,915 1,651 1,651 740,806 27,053 767,859 1,025,119 691,921 1,717,040 3,129,181 1,191,946 4,321,127 2,505,014 1,216,733 3,721,747 5,029,852 1,587,983 6,617,835 201712313,499,265 20163,437,042 201712313,477,829 20163,673,963 200

20171231 46 (a) (iv) 1231 2017 2016 97,443,566 102,254,758 97,443,566 102,254,758 1231 2017 2016 14,443,630 18,380,847 6,606,541 3,910,819 76,393,395 79,963,092 97,443,566 102,254,758 201712312016 (v) 1231 2017 2016 231,439,305 224,699,057 1,519,841 2,395,057 1,782,473 235,354,203 226,481,530 (436,299) (428,235) 234,917,904 226,053,295 201

20171231 46 (a) (v) 20171231 22,497,872 4,784,494 700,325 27,982,691 32,908,394 23,296,485 5,429,762 61,634,641 2,206,025 5,405,690 481,045 8,092,760 2,300,798 3,618,700 872,606 6,792,104 30,200,200 7,582,116 37,782,316 89,154,793 89,154,793 89,154,793 59,913,089 67,305,569 15,065,854 231,439,305 20161231 8,050,822 12,801,575 187,701 21,040,098 11,285,893 35,984,691 1,456,474 48,727,058 6,445,442 3,691,477 2,316,380 12,453,299 5,287,416 2,997,459 8,284,875 30,462,148 28,818,037 59,280,185 51,054 51,054 74,862,488 74,862,488 74,862,488 25,782,157 88,278,361 35,776,051 224,699,057 202

20171231 46 (a) (v) 201712311,519,841 2016 20171231 204,327 204,327 2,190,730 2,190,730 2,190,730 204,327 2,395,057 20161231 204,327 204,327 1,578,146 1,578,146 1,578,146 204,327 1,782,473 20171231 AAA 8,297,766 4,670,872 709,082 13,677,720 AA-AA+ 1,066,740 4,764,673 269,979 6,101,392 (i) 50,538,482 27,669,824 6,709,004 84,917,310 59,902,988 37,105,369 7,688,065 104,696,422 203

20171231 46 (a) (v) 20161231 AAA 4,028,696 4,683,914 1,770,806 10,483,416 AA-AA+ 350,000 3,881,961 199,689 4,431,650 (i) 21,403,461 49,199,284 5,191,846 75,794,591 25,782,157 57,765,159 7,162,341 90,709,657 (i) (b) 204

20171231 46 (b) (i) 20171231 32,318,924 71,448,516 103,767,440 (i) 6,078,170 68,471,107 6,440,732 16,343,903 109,654 97,443,566 204,327 7,582,116 1,311,741 10,004 1,445,204 2,819,490 1,897,299 15,270,181 4,040,492 24,369,349 13,536,143 86,410,868 103,802,855 53,541,990 285,701,697 1,590,453 1,519,841 11,114,383 15,579,912 54,581,350 117,179,605 18,082,179 51,154 219,698,877 149,952 826,388 1,292,219 1,458,806 2,564,887 178,535 1,073 143,495 6,615,355 5,985,224 48,325,439 106,558,799 37,025,597 161,346,212 223,980,485 73,522,541 71,752,819 728,497,116 172,000 958,600 1,130,600 (ii) 6,421,520 30,521,325 3,120,246 29,308,977 1,500,000 70,872,068 (iii) 230,990,326 26,088,636 46,973,680 97,768,495 86,703,440 147,279 488,671,856 1,477,613 22,011,023 73,798,495 4,096,646 101,383,777 2,845,128 1,903,641 1,422,440 8,643,067 6,928,275 123,543 7,354 21,873,448 240,256,974 59,991,215 73,699,389 210,477,634 99,228,361 270,822 7,354 683,931,749 5,985,224 (191,931,535) 46,567,584 (36,673,792) (49,131,422) 124,752,124 73,251,719 71,745,465 44,565,367 (i) (ii) (iii) 205

20171231 46 (b) (i) 20161231 25,103,301 57,919,641 83,022,942 (i) 685,363 77,799,632 13,428,315 10,232,835 108,613 102,254,758 204,327 28,818,037 1,568,848 862,961 1,283,591 2,932,893 309,721 35,980,378 7,267,894 15,124,230 17,007,611 79,659,024 78,835,224 40,040,788 237,934,771 1,340,042 1,013 3,454,445 12,995,994 67,118,088 87,755,916 17,356,365 51,054 190,072,917 153,046 245,155 1,477,676 952,083 2,414,404 116,113 10,149 143,802 5,512,428 8,965,309 54,852,869 99,424,831 45,246,964 160,707,942 169,640,146 57,717,023 58,223,110 654,778,194 130,000 407,000 537,000 (ii) 1,774,932 55,946,851 3,409,600 21,445,666 1,400,000 83,977,049 (iii) 192,182,951 31,314,876 42,193,365 94,828,318 62,182,528 1,040,000 423,742,038 3,194,040 15,024,055 69,980,156 4,097,125 92,295,376 588,641 1,267,341 2,185,018 9,813,258 5,178,787 121,390 19,154,435 194,546,524 91,723,108 62,942,038 196,474,398 72,858,440 1,161,390 619,705,898 8,965,309 (139,693,655) 7,701,723 (17,695,074) (35,766,456) 96,781,706 56,555,633 58,223,110 35,072,296 (i) (ii) (iii) 206

20171231 46 (b) (ii) 20171231 32,355,286 71,448,516 103,803,802 (i) 6,078,975 68,224,506 6,939,028 16,855,227 109,654 98,207,390 231,927 7,582,116 1,350,405 23,014 2,307,801 2,947,122 1,965,695 16,408,080 4,063,170 14,763,873 15,816,536 95,213,768 126,529,206 72,164,343 328,550,896 1,641,072 1,613,440 11,657,496 16,390,485 57,648,823 134,237,819 19,264,618 51,154 242,504,907 695,617 7,612 3,015 19,667 21,808 1,074 143,495 892,288 5,936,169 48,325,434 96,003,892 39,172,078 172,045,286 263,735,955 93,395,730 71,752,819 790,367,363 179,597 967,692 1,147,289 (ii) 6,423,906 30,637,377 3,176,524 30,749,654 2,360,985 73,348,446 (iii) 231,408,416 26,725,799 48,276,312 101,189,363 92,809,588 148,685 500,558,163 1,440,968 21,720,714 74,657,800 4,869,980 102,689,462 2,626,571 1,618,750 748,751 7,062,113 2,259,103 92,456 7,354 14,415,098 240,458,893 60,422,894 74,101,898 214,626,622 102,299,656 241,141 7,354 692,158,458 5,936,169 (192,133,459) 35,580,998 (34,929,820) (42,581,336) 161,436,299 93,154,589 71,745,465 98, 208,905 (i) (ii) (iii) 207