( 於中華人民共和國註冊成立的股份有限公司 ) 股份代號 : 2016 2016 年度報告
2017 3 10 2016 17 15 12 2016 2016101.70 H 2016 155
2 3 5 6 8 11 14 16 18 70 91 98 117 124 125 127 133 134 135 136 138 1
571 1.00 H 1.00 H 2 2016-2020
1. CHINA ZHESHANG BANK CO., LTD.CZBANK 2. 3. 288 310006 ir@czbank.com www.czbank.com 95527 86-571-88268966 86-571-87659826 4. 2818 5. 6. 7. 2016 8. H 183 17 1712-1716 17 A 3
9. 10. 11. 202 11 22 12. 288 www.hkexnews.hk 13. 91330000761336668H B0010H133010001 2004 7 26 4
12 2016 3 302016 19932004 6 30 2004 8 182016 14170 2004 2016 12 31 13,548.55 31.33% 2016101.53 44.00% 20161000 158 117 AAA 2016 3 302016 IPO 5
6
2016iF 7
2016 1 2016 3 2016 3 2015 2016 (CFCA) 2015 2016 3 2016 3 2016 4 2016 5 2016 5 2016 2016 2016 2016 6 2015 2016 6 2015 2016 4 2015 2016 6 1000158 117 8
2016 6 TopDigital 2016 7 2016 2016 7 2016 7 2016 7 2016 2016 7 2016 9 2016 10 IDC 2016 2016G3 The Asset 2016 2016 2016 7 21 2016 11 2016 2016 7 21 2016 11 9
2016 11 2016 12 2016 2016 11 2016 11 2016 12 2016 12 2016 12 2016 2016 2016 12 2016 2016 (CFCA) 2016 12 10
3,938.39 4,881.17 6,699.57 10,316.50 13,548.55 40.26 49.01 50.96 70.51 101.53 2012 2013 2014 2015 2016 104.66 134.96 173.97 251.30 336.53 2012 2013 2014 2015 2016 2012 2013 2014 2015 2016 9.74 23.80 28.62 45.45 84.25 2012 2013 2014 2015 2016 82.57 99.84 40.45 52.71 60.28 31.01% 32.08% 28.32% 27.66% 27.71% 2012 2013 2014 2015 2016 2012 2013 2014 2015 2016 1.23% 1.33% 421.90% 0.46% 0.64% 0.88% 329.28% 292.96% 240.83% 259.33% 2012 2013 2014 2015 2016 2012 2013 2014 2015 2016 11
2016 2015 2014 2013 2012 33,653,342 25,130,385 17,396,834 13,495,504 10,466,477 9,983,772 8,257,286 6,028,345 5,270,915 4,044,940 10,278,011 7,492,687 4,576,256 1,703,151 1,062,981 13,391,559 9,380,412 6,792,233 6,521,438 5,358,556 10,153,148 7,050,690 5,095,503 4,901,249 4,025,695 105,839,950 207,329,259 143,328,870 (11,968) 12,629,210 1,354,854,519 1,031,650,386 669,957,446 488,116,994 393,839,270 459,493,053 345,422,861 259,022,644 217,137,318 182,305,629 1,287,379,141 981,993,322 636,807,274 460,308,497 371,129,871 736,243,698 516,026,296 363,279,888 319,794,777 266,887,919 67,475,378 49,657,064 33,150,172 27,808,497 22,709,399 17,959,697 14,509,697 11,506,872 11,506,872 10,006,872 3.76 3.42 2.88 2.42 2.27 0.59 0.54 0.44 0.45 0.40 0.59 0.54 0.44 0.45 0.40 (%) (1) 0.85 0.83 0.88 1.11 1.16 (2) 17.34 17.03 16.72 19.40 18.55 (3) 2.07 2.31 2.62 2.63 2.91 (4) 1.89 2.12 2.38 2.41 2.68 25.03 18.08 16.45 17.64 9.31 (5) 27.71 27.66 28.32 32.08 31.01 (%) (6) 1.33 1.23 0.88 0.64 0.46 (7) 259.33 240.83 292.96 329.28 421.90 (8) 3.44 2.95 2.59 2.10 1.96 (%) (9) 9.28 9.35 8.62 9.17 (9) 9.28 9.35 8.62 9.17 (9) 11.79 11.04 10.60 11.53 12
(1) (2) (3) (4) (5) (6) (7) (8) (9) 2013 1 1 2012 12 31 12.51%9.84%2013 1 1 13
00 2016 2016 13,548.55 31.33% 336.53 33.91% 236.70101.5340.28% 44.00%1.33% (The Banker)2016 1000117 2016 2016 2017 14
2016 十大金融人物 15
2016 H 2016 2016 2016 G20 1,250 1 715 2016 LOGOiF 2017 16
2016 年度新銳銀行家 17
2016 2016100 2016 (GDP)74.41 6.70% GDP 8.56% 39.81% 51.63% 18
2016M211.3% 12.8%16.937 6.83% 20162016 232.2515.8% 112.06 12.79% 155.5211.27% 1.91%1.74% 2017 19
2016 13,548.55 3,232.04 31.33% 4,594.93 1,140.70 33.02% 12,873.79 3,053.86 31.10% 7,362.44 2,202.17 42.68% 336.53 33.91% 101.53 44.00% 84.25 85.38% 25.03% 6.95 61.021.33% 259.33% 18.50 3.44% 0.49 11.79% 0.759.28%9.28% 20
1. 2016 2016 101.5331.02 44.00% 0.85% 17.34%336.53 33.91% 252.29 22.55% 84.25 85.38%25.03% 6.95 99.84 20.91%27.71% 102.78 37.17%32.38 9.09 39.00% 2016 2015 (%) 25,228,553 20,585,751 4,642,802 22.55 8,424,789 4,544,634 3,880,155 85.38 33,653,342 25,130,385 8,522,957 33.91 9,983,772 8,257,286 1,726,486 20.91 10,278,011 7,492,687 2,785,324 37.17 13,391,559 9,380,412 4,011,147 42.76 3,238,411 2,329,722 908,689 39.00 10,153,148 7,050,690 3,102,458 44.00 10,153,148 7,050,690 3,102,458 44.00 21
(1) 2016 252.2946.43 22.55% 74.97% 546.76 72.47 15.28% 294.48 26.04 9.70%1.89% 2.07% 2324 2016 2015 (%) (%) 435,733,844 21,262,865 4.88 320,957,915 18,905,466 5.89 (1) 599,951,803 28,944,267 4.82 391,299,771 22,571,678 5.77 (2) 69,312,561 2,282,799 3.29 91,588,115 4,388,954 4.79 (3) 99,931,856 1,522,205 1.52 78,166,144 1,211,276 1.55 16,569,994 664,322 4.01 7,437,349 352,436 4.74 1,221,500,058 54,676,458 4.48 889,449,294 47,429,810 5.33 22
2016 2015 (%) (%) 632,203,380 13,124,884 2.08 448,531,209 11,219,273 2.50 (4) 403,446,438 12,816,233 3.18 314,866,410 12,402,691 3.94 (5) 100,915,723 3,506,788 3.47 72,397,268 3,222,095 4.45 1,136,565,541 29,447,905 2.59 835,794,887 26,844,059 3.21 25,228,553 20,585,751 (%) 1.89 2.12 (%) 2.07 2.31 (1) (2) (3) (4) (5) 23
20162015 (1) (2) (3) 6,760,676 (4,403,277) 2,357,399 12,035,853 (5,663,264) 6,372,589 (1,067,457) (1,038,698) (2,106,155) 337,285 (26,356) 310,929 432,772 (120,886) 311,886 18,499,129 (11,252,481) 7,246,648 4,594,258 (2,688,647) 1,905,611 3,489,196 (3,075,654) 413,542 1,269,235 (984,542) 284,693 9,352,689 (6,748,843) 2,603,846 9,146,440 (4,503,638) 4,642,802 (1) (2) (3) 24
(2) 212.6323.57 12.47% 1,147.76 2015 2016 2015 (%) (%) (1) 362,058,091 16,714,071 4.62 264,184,773 14,999,804 5.68 73,675,753 4,548,794 6.17 56,773,142 3,905,662 6.88 435,733,844 21,262,865 4.88 320,957,915 18,905,466 5.89 (1) 289.4463.73 28.23% 25
2016 2015 (%) (%) 59,699,545 2,065,527 3.46 41,036,597 1,652,363 4.03 36,594,955 1,374,285 3.76 23,241,524 952,456 4.10 503,657,303 25,504,455 5.06 327,021,650 19,966,859 6.11 599,951,803 28,944,267 4.82 391,299,771 22,571,678 5.77 22.8321.06 47.99% 2015 15.223.11 25.67% 6.643.12 88.49% 26
(3) 131.2519.06 16.99% 44.57% 2016 2015 (%) (%) (1) 409,405,695 11,279,491 2.76 296,735,698 9,786,558 3.30 199,382,856 1,383,500 0.69 131,626,059 903,280 0.69 608,788,551 12,662,991 2.08 428,361,757 10,689,838 2.50 18,305,715 443,747 2.42 16,338,552 514,594 3.15 5,109,114 18,146 0.36 3,830,900 14,841 0.39 23,414,829 461,893 1.97 20,169,452 529,435 2.62 632,203,380 13,124,884 2.08 448,531,209 11,219,273 2.50 (1) 128.164.14 3.33% 35.072.85 8.84%2016 27
(4) 2016 84.2538.80 85.38% 74.75 82.28% 9.50 114.05% 2016 2015 (%) 442,682 859,404 (416,722) (48.49) 5,416,548 2,131,103 3,285,445 154.17 192,334 158,955 33,379 21.00 446,021 483,520 (37,499) (7.76) 597,127 334,565 262,562 78.48 158,351 84,386 73,965 87.65 413,042 141,880 271,162 191.12 7,666,105 4,193,813 3,472,292 82.80 191,018 92,857 98,161 105.71 7,475,087 4,100,956 3,374,131 82.28 4.434.17 54.1732.85 1.920.33 4.460.37 28
5.972.63 1.580.74 2016 2015 (%) 10,134 2,073 8,061 388.86 725,339 329,792 395,547 119.94 214,229 111,813 102,416 91.60 949,702 443,678 506,024 114.05 9.505.06 114.05% 29
(5) 2016 2015 (%) 5,962,976 4,304,025 1,658,951 38.54 2,646,701 2,046,851 599,850 29.31 658,446 1,305,448 (647,002) (49.56) 429,611 342,303 87,308 25.51 236,275 208,126 28,149 13.52 49,763 50,533 (770) (1.52) 9,983,772 8,257,286 1,726,486 20.91 99.84 20.91% (6) 2016 2015 (%) 8,418,854 6,157,343 2,261,511 36.73 1,856,673 1,320,527 536,146 40.60 2,484 14,817 (12,333) (83.24) 10,278,011 7,492,687 2,785,324 37.17 102.78 37.17%(1) 2016 (2) 30
(7) 32.389.09 39.00% 24.18% 13 (8) 2016 1-12 2015 1-12 (%) (%) 17,911,109 53.22 13,065,949 51.99 3,132,904 9.31 2,233,513 8.89 12,532,277 37.24 9,784,404 38.93 77,052 0.23 46,519 0.19 33,653,342 100.00 25,130,385 100.00 2016 1-12 2015 1-12 (%) (%) 21,250,788 63.15 17,040,917 67.81 5,518,816 16.40 4,289,981 17.07 1,783,790 5.30 1,209,099 4.81 5,099,948 15.15 2,590,388 10.31 33,653,342 100.00 25,130,385 100.00 31
2. 2016 (1) 13,548.55 3,232.04 31.33%32.75% 48.95% 9.17% 2016 12 31 2015 12 31 (%) (%) 459,493,053 345,422,861 (15,824,396) (10,193,921) 443,668,657 32.75 335,228,940 32.49 (1) 663,167,801 48.95 520,848,463 50.49 124,269,106 9.17 87,649,741 8.50 3,952,824 0.29 1,848 0.00 98,442,129 7.26 76,607,447 7.42 21,354,002 1.58 11,313,947 1.10 1,354,854,519 100.00 1,031,650,386 100.00 (1) 32
2016 4,594.93 1,140.70 33.02% 2016 12 31 2015 12 31 (%) (%) 353,200,030 76.87 242,484,549 70.20 18,024,442 3.92 39,827,199 11.53 88,268,581 19.21 63,111,113 18.27 459,493,053 100.00 345,422,861 100.00 3,532.00 45.66% 180.24 54.74% 33
882.69 39.86% 2016 6,631.68 1,423.19 27.32% 2016 12 31 2015 12 31 (%) (%) (1) 23,131,819 3.49 10,795,291 2.07 (2) 61,466,941 9.27 49,117,403 9.43 (2) 41,532,932 6.26 29,042,163 5.58 (2) 537,036,109 80.98 431,893,606 82.92 663,167,801 100.00 520,848,463 100.00 (1) 17 (2) 20 231.32 114.28% 614.67 25.14%415.33 43.01%5,370.36 24.34% 34
(%) 2015 2,550,000 3.85 2018 1 8 2014 2,380,000 4.22 2024 11 20 2015 2,280,000 4.25 2022 4 13 2015 2,230,000 3.86 2022 2 5 2013 2,000,000 4.97 2018 10 24 2014 1,900,000 5.02 2024 8 21 2015 1,690,000 3.94 2020 4 23 2015 1,670,000 4.18 2022 5 4 2015 1,660,000 4.13 2020 4 13 2016 1,570,000 2.96 2021 2 18 (2) 201612,873.79 3,053.86 31.10% 2016 12 31 2015 12 31 (%) (%) 736,243,698 57.19 516,026,296 52.55 394,108,821 30.61 354,657,357 36.12 13,875,609 1.08 500,020 0.05 114,595,250 8.90 89,936,036 9.16 28,555,763 2.22 20,873,613 2.13 1,287,379,141 100.00 981,993,322 100.00 35
2016 12 31 2015 12 31 (%) (%) 256,737,966 34.87 179,985,599 34.88 443,686,661 60.26 310,115,626 60.10 700,424,627 95.13 490,101,225 94.98 7,501,155 1.02 6,381,855 1.24 26,046,656 3.54 15,298,848 2.96 33,547,811 4.56 21,680,703 4.20 2,271,260 0.31 4,244,368 0.82 736,243,698 100.00 516,026,296 100.00 7,362.44 2,202.17 42.68% 2,103.23 42.91% 118.67 54.74% 1,443.19 44.35% 778.72 41.78% (3) 674.75 178.18 35.88% 36
1. 2016 12 31 2015 12 31 (%) (%) 443,567,947 96.53 334,753,545 96.91 9,823,085 2.14 6,436,407 1.86 6,102,021 1.33 4,232,909 1.23 2,934,979 0.64 2,076,657 0.60 2,288,033 0.50 1,903,192 0.55 879,009 0.19 253,060 0.07 459,493,053 100.00 345,422,861 100.00 4,435.68 1,088.14 96.53% 98.23 33.87 2.14% 61.02 18.691.33% 0.10 2. 2016 12 31 2015 12 31 (%) (%) (%) (%) 353,200,030 76.87 5,215,673 1.48 242,484,549 70.20 3,724,275 1.54 88,268,581 19.21 886,348 1.00 63,111,113 18.27 508,634 0.81 18,024,442 3.92 39,827,199 11.53 459,493,053 100.00 6,102,021 1.33 345,422,861 100.00 4,232,909 1.23 52.16 14.92 1.48% 0.06 8.86 3.77 1.00% 0.19 37
3. 2016 12 31 2015 12 31 (%) (%) (%) (%) 353,200,030 76.87 5,215,673 1.48 242,484,549 70.20 3,724,275 1.54 82,223,489 17.90 3,130,585 3.81 50,795,800 14.72 2,046,700 4.03 64,730,164 14.09 865,783 1.34 36,978,096 10.71 890,671 2.41 56,026,555 12.19 71,494 0.13 37,390,404 10.82 39,317 0.11 55,305,239 12.04 608,129 1.10 39,878,330 11.55 278,309 0.70 26,045,725 5.67 444,965 1.71 21,415,271 6.20 329,109 1.54 23,900,015 5.20 21,764,906 6.30 7,448,445 1.62 7,196 0.10 6,540,180 1.89 4,696 0.07 6,588,230 1.43 400 0.01 3,774,675 1.09 1,573 0.04 5,358,641 1.17 5,931,548 1.72 4,857,390 1.06 50,672 1.04 3,985,721 1.15 63,231 1.59 3,835,856 0.83 9,997 0.26 3,856,737 1.12 32,402 0.84 (1) 16,880,281 3.67 26,453 0.16 10,172,881 2.93 38,268 0.38 88,268,581 19.21 886,348 1.00 63,111,113 18.27 508,634 0.81 18,024,442 3.92 39,827,199 11.53 459,493,053 100.00 6,102,021 1.33 345,422,861 100.00 4,232,909 1.23 (1) 2016 38
4. 2016 12 31 2015 12 31 (%) (%) (%) (%) 243,706,939 53.04 4,444,688 1.82 200,043,980 57.91 3,139,352 1.57 93,867,159 20.43 687,518 0.80 54,167,679 15.68 557,552 1.03 80,273,764 17.47 868,801 1.08 65,892,661 19.08 489,694 0.74 41,645,191 9.06 101,014 0.20 25,318,541 7.33 46,311 0.18 459,493,053 100.00 6,102,021 1.33 345,422,861 100.00 4,232,909 1.23 0.25 5. 2016 12 31 2015 12 31 (%) (%) (%) (%) 180,846,164 39.36 3,219,685 1.78 149,906,362 43.40 2,225,853 1.48 72,495,022 15.78 39,936 0.06 40,865,811 11.83 42,791 0.10 133,982,215 29.16 2,725,275 2.03 90,575,061 26.22 1,872,904 2.07 54,145,210 11.78 117,126 0.22 24,248,428 7.02 91,361 0.38 18,024,442 3.92 39,827,199 11.53 459,493,053 100.00 6,102,021 1.33 345,422,861 100.00 4,232,909 1.23 724.95 316.29 77.4% 541.45 298.97 123.29% 39
6. (%) A 4,584,822 1.00 B 2,000,000 0.44 C 2,000,000 0.44 D 1,847,080 0.40 E 1,710,000 0.37 F 1,667,208 0.36 G 1,600,000 0.35 H 1,532,350 0.33 I 1,440,000 0.31 J 1,319,355 0.29 19,700,815 4.29 45.855.35% 197.0123.00% 4.29% 7. 2016 12 31 2015 12 31 (%) (%) 190 1,126,320 0.25 2,574,292 0.75 901 2,560,048 0.56 2,675,510 0.77 13 1,816,149 0.40 1,047,723 0.30 3 12,775 0.00 14,374 0.00 5,515,292 1.20 6,311,899 1.83 55.15 7.97 90 43.89 6.51 40
8. 2.87 2.10 31.21 0.87 9. 8,340,569 1,853,352 10,193,921 5,827,139 2,591,715 8,418,854 (36,321) (20,197) (56,518) (830,415) (483,588) (1,314,003) (370,829) (1,180,504) (1,551,333) 100,207 25,555 125,762 7,713 7,713 13,038,063 2,786,333 15,824,396 2016 H 2016 12 31856.44 674.38 182.06 2016 2016 12 31 11.79%9.28% 9.28%4.22% 41
2016 12 31 2015 12 31 67,706,445 50,409,543 17,959,697 14,509,697 19,269,901 13,408,971 2,775,091 2,070,023 13,242,456 8,241,258 14,459,300 12,179,595 268,702 160,826 268,702 160,826 67,437,743 50,248,717 67,437,743 50,248,717 18,206,396 9,066,437 10,000,000 3,115,000 8,206,396 5,951,437 85,644,139 59,315,154 726,578,153 537,252,918 (%) 9.28 9.35 (%) 9.28 9.35 (%) 11.79 11.04 2016 12 31 2015 12 31 67,706,445 50,409,543 268,702 160,826 67,437,743 50,248,717 1,303,897,192 982,553,658 8,478,014 1,382,465 45,087,285 48,009,930 239,875,655 198,472,619 1,597,338,146 1,230,418,671 (%) 4.22 4.08 2015 42
1. 2. 43
(1) 44
(2) 45
(3) (4) (5) 46
3. 7. 47
4. 130.49% 1,118.60 30 857.23 48
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7. 8. 51
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1. (1) 55,460 10,72123.96% 3,532.00 1,107.15 45.66% 1,200 100%180200% (2) 444.3955.57% 3.32 72.59%1-12 318.66 47.94%A 55
+ 99.41 458.12 + + + 191.61144.71% 110.6280.99 + 56
(3) 1+N 9,452 144.68%4,676.99 188.78% 1,544.40 210.53% 1,282 2.51 31.3711.49 351109.39 2. (1) 57
(2) FICC(Fixed income, Currency & Commodity) 14 1.2 1.62527843 The Asset2016 G3 58
(3) PPP 300 (4) 6.39275.64% 59
(5) 2025 2,326.1636.06% 4,292.06100.48% 4,198.29 97.82%93.77 2.18% 4,291.06 99.98% 1 0.02% 5,678.22 64.05% 93.30 292.68%54.1732.85 2 11.47 96.08% 60
(6) 913.82 36.95% 20162016 (7) 114,235.16 360.93%1.92 99.14% 2016 61
3. 1,436.29 362.15 33.72%30% 21.2 1.29%1.26% 4.05 0.94 2 13.21 7.57 157.37 62.59 144.91 52.10 288.04 114.47 62
1 24 4. + 1,471.84 105.14% 210.58 91.38% 2016 (1) 335.48 54.74% 129.74 455% (2) 1,415.09 81.43%122.28 2016 63
(3) 7 24 Z20 2016 11 (4) ETC Visa APP 110.3 89.78 98.75 20.910.98% 2016 2016 5. (1) + 64
76 (2) 95.91% 2016 39.7 70.27% 6.33 1,481.66 45,161.19 65
App 84.9 (95527) QQ 339.15201.42 99.61% 100% 2016 44.16 96.6760 2016 66
7 24 ATMATM270 49.50 2017 67
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2016 71
11 1 H 1 6 3 3 93 8 3 6 2016 6 1520152016 10 172016 2016 2016 H 1. 17 4 7 6 72
2. 17 5112 73
3. D.3.1 4. 6 51 2016-2020 H H 2015 2015 2015 2015 2016 2016 2015 2015 2015 < > <2016 > 74
5. 2016 6/6 3/3 2/2 6/6 3/3 2/2 5/6 2/2 5/6 2/2 6/6 3/3 2/2 6/6 2/2 6/6 3/3 2/2 5/6 7/9 2/2 5/6 2/3 2/2 4/6 3/3 1/2 1/1 6/6 3/3 3/3 2/2 5/6 3/3 8/9 3/3 2/2 4/6 2/3 9/9 2/2 5/6 2/3 1/2 5/6 3/3 1/2 5/6 3/3 2/2 3/3 1/1 0/1 1/1 (1) (2) (3) 2016 10 1720162016 2016 H1 (4) 2016 8 19 (5) 75
6. 2016 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 76
7. 6 3.13 3.13 8. 2016 12 31 2016 12 31 9. 77
5 1. 6 2015 2015 2016 2016 2016-2020 2. 5 78
2015 20152016 2016 2016 3. 3 2015 2015 79
4. 3 2015 2016 80
5. 2016 8 19 1. 134 4 5 2. 862 1795 81
3 3. 7 5 54 1. 82
32015 20152016 2015 3 2. 6 2015 2016 83
3.29 84
2016 3 30 2016 12 31 1. 85
2. 3. 4. 86
69 87
2016 6 15 2015 H 2016 4 30 2016 10 18 2016 10 17 2016 2016 9 1 2017 1 25 2016 3 302016 12 31 88
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2015 12 31 2016 12 31 % 14,509,696,778 100.00-345,000,000 14,164,696,778 78.87 H +3,795,000,000 3,795,000,000 21.13 14,509,696,778 100.00 +3,450,000,000 17,959,696,778 100.00 1. 2016 3 302016 4 19 3,795,000,000 H3,450,000,000H 345,000,00017,959,696,778 14,164,696,778 3,795,000,000 H 2. 27H147 91
% 1 (1) +3,794,713,900 3,794,713,900 21.13 H +1,000,000,000 1,000,000,000 5.57 H 2 (2) -241,110,781 2,655,443,774 14.79 3 1,346,936,645 7.50 310,000,000 4 1,242,724,913 6.92 143,169,642 5 (2) -76,377,827 841,177,752 4.68 6 (3) 803,226,036 4.47 7 (3) 543,710,609 3.03 8 518,453,371 2.89 518,453,371 9 518,453,371 2.89 436,630,000 10 508,069,283 2.83 (1) H (2) H (3) 10 37.32% 92
2016 12 31 336 XV2 3 5% (%) (%) 2,655,443,774 14.79 18.75 2,655,443,774 14.79 18.75 1,346,936,645 7.50 9.51 1,346,936,645 7.50 9.51 1,346,936,645 7.50 9.51 1,346,936,645 7.50 9.51 1,346,936,645 7.50 9.51 1,242,724,913 6.92 8.77 1,242,724,913 6.92 8.77 1,242,724,913 6.92 8.77 1,242,724,913 6.92 8.77 954,655,630 5.32 6.74 954,655,630 5.32 6.74 880,546,358 4.90 6.22 841,177,752 4.68 5.94 803,226,036 4.47 5.67 760,810,192 4.24 5.37 760,810,192 4.24 5.37 748,069,283 4.17 5.28 748,069,283 4.17 5.28 93
(%) (%) H 1,000,000,000 5.57 26.35 H 497,934,000 2.77 13.12 H 497,934,000 2.77 13.12 H 497,934,000 2.77 13.12 H 250,000,000 1.39 6.59 H 250,000,000 1.39 6.59 H 250,000,000 1.39 6.59 H 250,000,000 1.39 6.59 H 250,000,000 1.39 6.59 H 250,000,000 1.39 6.59 H 249,999,000 1.39 6.59 H 208,202,000 1.16 5.49 H 208,202,000 1.16 5.49 Hong Kong Bao Da Financial H 207,760,000 1.16 5.47 Holdings Limited Bao Da Financial International H 207,760,000 1.16 5.47 Limited Great Sphere Developments H 207,760,000 1.16 5.47 Limited China Goldjoy Group Limited H 207,760,000 1.16 5.47 Tinmark Development Limited H 207,760,000 1.16 5.47 H 207,760,000 1.16 5.47 94
(%) (%).13 H 199,037,000 1.11 5.24 (SCBCN-Foreign Economy and Trade Trust Co., Ltd- Fotic Wuxingbaichuan No. 13 Unitrust) H 199,037,000 1.11 5.24. H 199,037,000 1.11 5.24 X2 H 199,037,000 1.11 5.24 H 199,037,000 1.11 5.24 H 199,037,000 1.11 5.24 H 195,000,000 1.09 5.14 H 195,000,000 1.09 5.14 H 195,000,000 1.09 5.14 2016 12 31 XV2 3 336 14.79% 2012 9120 2016 3 302016 4 19 20163,795,000,000 H3,450,000,000 345,000,000H 3.96 H1.00 95
2013 9 11[2012]783 [2013] 46 152013 5 AAA AAA 2014 3 10[2012]783 [2013] 46 452014 5 AAA AAA 2015 12 24[2015]465 [2015] 307 502015 5 AAA AAA 2016 2 24[2015]465 [2015] 307 1002016 5 AAA AAA 2016 9 14[2016]102 [2016] 125 1002016 10 AAA AA+ 96
1.5150 2016 8 19 97
1. 1963.01 2014.07 2015.02 0 0 89.59 1959.03 2014.07 2015.02 0 0 524.48 1942.11 2010.08 2015.02 0 0 1961.12 2015.01 2015.02 0 0 75.82 1965.08 2004.05 2015.02 0 0 481.72 1966.04 2015.02 2015.02 0 0 1959.07 2009.03 2015.02 0 0 1963.07 2004.05 2015.02 0 0 1965.09 2004.05 2015.02 0 0 1976.10 2015.02 2015.02 0 0 1969.03 2016.10 2016.12 0 0 1958.06 2010.08 2015.02 0 0 30.00 1950.08 2015.02 2015.02 0 0 30.00 1957.03 2015.02 2015.02 0 0 30.00 1962.04 2015.02 2015.02 0 0 30.00 1948.01 2015.02 2015.02 0 0 30.00 98
1964.07 2015.12 2015.12 0 0 30.00 1974.09 2015.02 2015.02 2016.08 0 0 1945.02 2015.02 2015.02 2016.04 0 0 10.00 1962.03 2015.02 2015.02 0 0 367.53 (1) 1973.01 2013.06 2015.02 0 0 1953.10 2005.06 2015.02 0 0 1988.10 2015.02 2015.02 0 0 1977.11 2016.10 2016.10 0 0 (1) 1957.03 2004.03 2015.02 0 0 (1) 1966.10 2004.07 2015.02 0 0 (1) 1966.01 2004.07 2015.02 0 0 1943.08 2004.05 2015.02 0 0 30.00 1963.03 2015.02 2015.02 0 0 30.00 1952.06 2015.02 2015.02 0 0 30.00 1970.04 2015.02 2015.02 0 0 30.00 99
1953.09 2016.06 2016.06 0 0 17.50 1978.02 2015.12 2015.12 2016.08 0 0 1963.03 2004.01 2015.02 0 0 485.59 1965.10 2015.01 2015.02 0 0 384.14 1963.10 2002.09 2016.01 0 0 414.40 2015.02 2016.01 1971.02 2015.03 2016.04 0 0 335.17 2015.03 2016.04 1965.09 2014.09 2016.04 0 0 340.98 2015.02 2016.04 1968.06 2016.04 2016.04 0 0 96.24 1962.09 2008.12 2015.02 0 0 376.39 (1) 100
2. 2016 4 7 2016 8 19 2016 10 17 2016 2016 12 2016 6 15 2015 2016 8 19 2016 10 17 2016 2016 1 29 2016 4 22 101
3. 2012 2010 2014 2014 1995 2013 2016 2004 2014 2013 4. 102
IT EMBA 103
EMBA 104
105
106
19992006 2003 102005 12 (CEO) 107
108
109
110
111
112
5. 113
6. 11,305 2,945 4,8621,531 4,912 2,02860 7,595 1,682 13 按崗位分佈劃分 按學歷劃分 櫃面人員 研究生及以上 中後台人員 大學本科 營銷人員 大學專科及以下 7. 1,544 141,629 114
8. 288 95527 310006 1 1,646 288 0571-87659510 310006 1 41 567 021-61333333 200041 10 486 9 025-86823636 210008 14 762 9 0512-62995527 215123 7 352 736 0571-87330733 310004 35 1,892 739 0574-81855678 315040 13 567 319 0577-88079900 325001 9 449 1418 0575-81166006 312030 8 382 955 0579-83811501 322000 5 330 111 0580-2260302 316021 2 109 11 010-88006088 100033 8 580 37 022-23271223 300204 9 502 56 024-31259003 110014 4 241 185 0531-80961706 250011 6 515 921 020-89299999 510220 1 217 7028 0755-82760666 518040 6 386 115
機構 西 鄭州分行 鄭州 鄭 2 0371-66277306 450018 1 71 武漢分行 北 武漢 漢 027-85331510 430000 1 136 296 IFC 重慶分行 重慶 北 023-88280888 401121 6 354 1 A 成都分行 成都 武 39 028-85579955 610041 9 493 西安分行 西安 西 311 029-88121212 710002 9 434 蘭州分行 蘭州 308 0931-8172110 730030 6 360 171 11,305 環渤海地區 中西部地區 共設 32 家營業分支機構包括重慶 成都 西安 蘭州 武漢及鄭州分行 共設 27 家營業分支機構包括北京 天津 瀋陽及濟南分行 北京天津 遼寧 四川 甘肅 陝西 重慶 河南湖北 山東江蘇上海浙江 長三角地區 共設 104 家營業分支機構包括杭州 寧波 溫州 紹興 義烏 舟山 上海 南京及蘇州分行 珠三角地區 共設 7 家營業分支機構包括廣州及深圳分行 廣東香港 國際佈局 目前正積極籌建香港分行 116
1. (1) (2) (3) (4) H 117
2. 2016 12 31 2016 101.70 H 2016 2016H 2016 2017 7 20 2016 3. 2016 2015 2014 (1) 10 1.70 1.30 3,053,148 2,334,761 (%) (2) 30.07 33.11 (1) 2014 12 31 (2) 118
4. 2008 1 1 H 10% [1993]045 [2011]348 H H 10% 10% H 10% 10% 201560 H 10% 20% H 20% 20% 523 5 30% 119
2016 12 31 14A 14A 14A 2016 12 3138 38 14A 14A 120
352 XV 2016 3 14 121
21 2016 498 80 2016 3 302016 4 19 3,795,000,000 H3,450,000,000H 345,000,000H 3.96 H1.00 133.34 2016 12 13 122
2016 (1) (2) (3) 123
2016 124
2016 12 31 6190.5 1. 2. 5% 5% 125
2016 12 31 2016 2017 1 1830 51% 126
133 232 : 127
128 12 19 20 41.1.6(d) 2016 12 31 9,807 72% 193
20 33 2016 12 31 4,291 5,401 1. 2. 129
130
131
132
2016 12 31 12 31 2016 2015 4 54,676,458 47,429,810 4 (29,447,905) (26,844,059) 25,228,553 20,585,751 5 7,666,105 4,193,813 5 (191,018) (92,857) 7,475,087 4,100,956 6 10,134 2,073 7 725,339 329,792 8 214,229 111,813 33,653,342 25,130,385 9 (9,983,772) (8,257,286) 12 (10,278,011) (7,492,687) 13,391,559 9,380,412 13,391,559 9,380,412 13 (3,238,411) (2,329,722) 10,153,148 7,050,690 (1,678,568) 1,077,424 419,642 (269,356) (1,258,926) 808,068 8,894,222 7,858,758 14 0.59 0.54 133
2016 12 31 12 31 2016 2015 15 124,269,106 87,649,741 3,952,824 1,848 16 98,442,129 76,607,447 17 23,131,819 10,795,291 18 4,780,282 458,534 19 443,668,657 335,228,940 20 61,466,941 49,117,403 41,532,932 29,042,163 537,036,109 431,893,606 21 3,045,701 2,444,632 22 4,601,026 2,105,271 23 8,926,993 6,305,510 1,354,854,519 1,031,650,386 24 394,108,821 354,657,357 26 13,875,609 500,020 18 4,126,534 634,747 25 736,243,698 516,026,296 2,560,351 1,594,734 28 21,868,878 18,644,132 27 114,595,250 89,936,036 1,287,379,141 981,993,322 29 17,959,697 14,509,697 29 19,990,020 12,181,167 30 3,790,406 2,775,091 30 13,242,456 8,241,258 31 (300,478) 958,448 12,793,277 10,991,403 67,475,378 49,657,064 1,354,854,519 1,031,650,386 2017 3 10 134
2016 12 31 29 29 30 30 31 2016 1 1 14,509,697 12,181,167 2,775,091 8,241,258 958,448 10,991,403 49,657,064 10,153,148 10,153,148 (1,258,926) (1,258,926) (1,258,926) 10,153,148 8,894,222 3,450,000 7,808,853 11,258,853 1,015,315 (1,015,315) 5,001,198 (5,001,198) (2,334,761) (2,334,761) 2016 12 31 17,959,697 19,990,020 3,790,406 13,242,456 (300,478) 12,793,277 67,475,378 2015 1 1 11,506,872 6,535,858 2,070,022 4,639,490 150,380 8,247,550 33,150,172 7,050,690 7,050,690 808,068 808,068 808,068 7,050,690 7,858,758 3,002,825 5,645,309 8,648,134 705,069 (705,069) 3,601,768 (3,601,768) 2015 12 31 14,509,697 12,181,167 2,775,091 8,241,258 958,448 10,991,403 49,657,064 135
2016 12 31 12 31 2016 2015 13,391,559 9,380,412 9 236,275 208,126 12 8,418,854 6,157,343 12 1,859,157 1,335,344 (725,339) (329,792) 76,908 (143,766) (27,955,029) (22,571,678) 4 3,506,788 3,222,095 (30,802,358) (12,591,530) 3,530,329 19,234,613 (12,973,336) (6,377,951) (116,935,528) (89,093,635) (7,077,505) (506,482) 39,451,464 139,659,176 220,217,402 152,746,408 15,969,216 9,694,242 110,188,857 210,022,925 (4,348,907) (2,693,666) 105,839,950 207,329,259 650 550 (946,255) (855,178) 27,955,029 21,486,148 749,328,379 506,494,547 (882,158,244) (780,196,212) 136
2016 12 31 12 31 2016 2015 (105,820,441) (253,070,145) 11,258,853 8,648,134 102,537,396 139,655,389 (77,878,182) (98,300,000) (2,887,782) (2,469,856) (2,353,092) (7,952) 30,677,193 47,525,715 485,316 2,729 31,182,018 1,787,558 18,995,308 17,207,750 37 50,177,326 18,995,308 25,876,439 25,107,536 (24,724,668) (20,009,154) 137
1 2004 7 26 2016 12 3117,959,697 2016 12 31 1417042 21 1 127 2016 3 30 2017 3 10 2 2.1 622 3 138
2 2.1 2016 12 31 12 2017 1 1 7 2017 1 1 (2014-2016 2018 1 1 9 2018 1 1 15 2018 1 1 40 2018 1 1 22 2018 1 1 4 9 2018 1 1 2 2018 1 1 16 2019 1 1 12 12 7 7 139
2 2.1 2014-2016 31 2018 1 1 IFRS 7 IAS 19 IFRS 10 1228 9 2014 7 2018 1 1 9 39 9 39 939 9 39 9 9 140
2 2.1 9 39 37 39 12 12 12 92018 1 1 9 9 9 141
2 2.1 15 15 15 40 22 4 IFRS 9 2021 IFRS 9 IFRS 9 IAS 39 2 IFRS 2 142
2 2.1 16 17 16 2016 12 31 28 9 2.2 1 1 12 31 2.3 2.4 143
2 2.5 2.6 2.7 (a) (b) 144
2 2.8 2.9 2.10 3 145
2 2.11 2.12 2.12.1 (a) 146
2 2.12 2.12.1 (a) (b) (c) (d) 147
2 2.12 2.12.1 (e) 148
2 2.12 2.12.1 (e) (f) (g) 149
2 2.12 2.12.2 (a) (b) 2.12.3 150
2 2.12 2.12.4 2.12.5 151
2 2.12 2.12.6 (i) (ii) 2.12.7 2.13 (a) 152
2 2.13 (a) (b) 30 5% 3.17% 10 5% 9.50% 7 5% 13.57% 5 5% 19.00% 2.16 (c) 153
2 2.14 2.16 2.15 2.16 2.16 2.17 154
2 2.18 2.19 2.20 2.21 2.22 155
2 2.23 2.24 3 156
3 (a) (b) 157
3 (c) 4 12 31 2016 2015 1,522,205 1,211,276 2,282,799 4,388,954 21,262,865 18,905,466 664,322 352,436 (i) 28,944,267 22,571,678 54,676,458 47,429,810 56,518 63,476 (12,816,233) (12,402,691) (13,124,884) (11,219,273) (3,506,788) (3,222,095) (29,447,905) (26,844,059) 25,228,553 20,585,751 158
4 (i) 12 31 2016 2015 4,104,134 2,604,820 24,840,133 19,966,858 28,944,267 22,571,678 5 12 31 2016 2015 5,416,548 2,131,103 597,127 334,565 446,021 483,520 442,682 859,404 192,334 158,955 158,351 84,386 413,042 141,880 7,666,105 4,193,813 (191,018) (92,857) 7,475,087 4,100,956 159
6 12 31 2016 2015 (752,168) 345,555 638,106 (371,486) 124,196 28,004 10,134 2,073 7 12 31 2016 2015 337,562 330,341 387,777 (549) 725,339 329,792 8 12 31 2016 2015 (i) 132,546 99,186 650 550 428 340 80,605 11,737 214,229 111,813 (i) 160
9 12 31 2016 2015 10 5,962,976 4,304,025 2,646,701 2,046,851 658,446 1,305,448 429,611 342,303 21 135,488 120,283 61,823 54,385 23(iii) 26,841 22,102 23(ii) 12,123 11,356 5,780 6,150 5,229 14,015 38,754 30,368 9,983,772 8,257,286 10 12 31 2016 2015 4,895,788 3,543,361 373,049 270,155 183,057 126,561 134,323 96,173 376,759 267,775 5,962,976 4,304,025 161
11 (a) 2016 12 31 450 55 222 169 896 1,500 77 3,400 267 5,244 405 55 113 185 758 1,200 75 3,312 230 4,817 (v) (iii) 300 300 300 300 300 300 (i) 100 100 300 300 300 300 300 300 1,500 3 2,014 159 3,676 (vi) (iv) (vii) (vii) (vii) (vii) 300 300 300 300 300 300 300 300 (ii) 175 175 3,275 5,055 265 9,061 1,010 18,666 162
11 (a) 2015 12 31 865 65 141 1,071 1,200 55 193 1,448 865 59 148 1,072 1,200 72 2,519 243 4,034 292 292 275 275 275 275 275 275 275 275 275 275 25 25 33 33 33 33 33 33 1,100 1 113 1,214 (vii) (vii) (vii) (vii) (vii) (vii) 292 292 275 275 275 275 275 275 33 33 2,941 5,230 252 2,519 838 11,780 163
11 (a) (i) 2016 4 7 (ii) 2016 6 15 2015 (iii) 2016 8 19 (iv) 2016 8 19 (v) 2016 10 17 2016 (vi) 2016 10 17 2016 (vii) (viii) 2016 12 31 164
11 (b) 2016 12 310020150 0 12 31 2016 2015 15,411 8,774 32,960 16,029 568 928 48,939 25,731 12 31 2016 2015 4,000,0014,500,000 3 4,500,0015,000,000 1 5,000,0015,500,000 5,500,0016,000,000 6,000,0016,500,000 6,500,0017,000,000 7,000,0017,500,000 7,500,0018,000,000 1 8,000,0018,500,000 1 8,500,00112,000,000 2 1 12,000,00112,500,000 1 2016 12 31 2015 2016 12 31 2015 165
11 (b) 2016 12 31 2015 2016 12 312015 2016 12 31 2015 2016 12 31 2015 12 12 31 2016 2015 19(b) 5,827,139 3,206,972 2,591,715 2,950,371 1,856,673 1,320,527 2,484 14,817 10,278,011 7,492,687 13 12 31 2016 2015 5,314,524 3,453,071 22 (2,076,113) (1,123,349) 3,238,411 2,329,722 25% 166
13 12 31 2016 2015 13,391,559 9,380,412 25% 3,347,890 2,345,103 (i) (131,686) (48,094) (ii) 22,207 32,713 3,238,411 2,329,722 (i) (ii) 14 (a) 12 31 2016 2015 10,153,148 7,050,690 17,092,484 13,037,079 0.59 0.54 (b) 2016 12 312015 12 31 167
15 12 31 2016 2015 309,803 237,660 (a) 106,348,030 75,555,586 (b) 17,600,970 11,856,106 10,303 389 124,269,106 87,649,741 (a) 2016 12 31 12 31 2016 2015 (i) 14.5% 15% (i) 5% 5% (ii) 20% 20% (i) (ii) (b) 168
16 12 31 2016 2015 52,036,503 32,749,538 44,487,285 29,051,000 1,918,341 696,097 14,110,812 98,442,129 76,607,447 17 12 31 2016 2015 3,609,537 1,369,283 19,522,282 9,426,008 23,131,819 10,795,291 2016 12 312015 12 31 2016 12 312015 12 31 169
17 12 31 2016 2015 3,609,537 1,369,283 19,205,523 4,709,895 316,759 4,716,113 23,131,819 10,795,291 18 2016 12 31 515,633,961 4,510,708 (3,772,549) 25,290,255 73,066 (301,102) 3,623,253 196,508 (52,883) 544,547,469 4,780,282 (4,126,534) 2015 12 31 170,140,599 441,958 (614,817) 324,680 3,424 (1,854) 1,563,225 13,152 (18,076) 172,028,504 458,534 (634,747) 170
19 (a) 12 31 2016 2015 353,200,030 242,484,549 18,024,442 39,827,199 371,224,472 282,311,748 73,203,499 60,304,266 8,812,054 2,204,489 6,253,028 602,358 88,268,581 63,111,113 459,493,053 345,422,861 (13,038,063) (8,340,569) (2,786,333) (1,853,352) (15,824,396) (10,193,921) 443,668,657 335,228,940 171
19 (b) 2016 12 31 2015 8,340,569 1,853,352 6,126,006 584,202 12 5,827,139 2,591,715 3,206,972 2,950,371 (36,321) (20,197) (51,290) (12,186) (830,415) (483,588) (627,127) (495,705) (370,829) (1,180,504) (355,558) (1,215,028) 100,207 25,555 38,570 41,698 7,713 2,996 13,038,063 2,786,333 8,340,569 1,853,352 (c) 12 31 2016 2015 8,592,129 1,601,792 5,413,168 1,297,040 6,992,361 1,426,493 5,655,375 501,968 (35,626) (20,892) (41,124) (22,352) (1,024,714) (289,289) (921,206) (201,626) (1,551,333) (1,570,586) 70,484 55,278 53,506 26,762 7,713 2,996 13,051,014 2,773,382 8,592,129 1,601,792 172
19 (d) 2016 12 31 (ii) (i) 366,008,799 926,400 4,289,273 5,215,673 371,224,472 87,382,233 886,348 886,348 88,268,581 (11,710,905) (1,327,158) (2,786,333) (4,113,491) (15,824,396) 441,680,127 485,590 1,502,940 1,988,530 443,668,657 2015 12 31 (ii) (i) 278,587,473 930,767 2,793,508 3,724,275 282,311,748 62,602,479 508,634 508,634 63,111,113 (7,723,937) (616,632) (1,853,352) (2,469,984) (10,193,921) 333,466,015 822,769 940,156 1,762,925 335,228,940 (i) (ii) 173
20 12 31 2016 2015 61,283,045 48,072,368 158,896 1,020,035 25,000 25,000 61,466,941 49,117,403 41,532,932 29,042,163 41,532,932 29,042,163 (i) 520,010,269 251,104,038 20,093,570 177,613,646 400,000 4,786,979 540,503,839 433,504,663 (3,467,730) (1,611,057) 537,036,109 431,893,606 174
20 (i) 2016 12 31 2015 38,997,955 28,194,900 92,978,026 67,440,353 20,260,016 7,572,675 152,235,997 103,207,928 327,517,114 136,111,168 40,257,158 11,784,942 367,774,272 147,896,110 520,010,269 251,104,038 175
20 12 31 2016 2015 12,433,316 8,831,872 36,067,512 33,052,926 12,941,113 7,207,605 61,441,941 49,092,403 25,000 25,000 61,466,941 49,117,403 22,541,355 9,712,756 18,991,577 19,079,407 250,000 41,532,932 29,042,163 520,010,269 251,104,038 20,093,570 177,613,646 400,000 4,786,979 540,503,839 433,504,663 (3,467,730) (1,611,057) 537,036,109 431,893,606 176
21 2016 1 1 1,220,590 639,339 130,505 1,183,834 3,174,268 113,809 169,763 29,990 430,135 743,697 284,099 (284,099) (15,532) (6,852) (22,384) (5,347) (5,347) 2016 12 31 1,618,498 793,570 153,643 1,324,523 3,890,234 2016 1 1 (342,451) (302,717) (84,468) (729,636) (48,054) (72,567) (14,867) (135,488) 14,301 6,290 20,591 2016 12 31 (390,505) (360,983) (93,045) (844,533) 2016 12 31 1,227,993 432,587 60,598 1,324,523 3,045,701 2015 1 1 1,218,023 524,418 118,910 586,481 2,447,832 547 120,812 20,614 600,080 742,053 2,120 607 (2,727) (6,460) (9,019) (15,479) (100) (38) (138) 2015 12 31 1,220,590 639,339 130,505 1,183,834 3,174,268 2015 1 1 (298,947) (245,843) (78,533) (623,323) (43,504) (62,817) (13,962) (120,283) 5,943 8,027 13,970 2015 12 31 (342,451) (302,717) (84,468) (729,636) 2015 12 31 878,139 336,622 46,037 1,183,834 2,444,632 177
22 2016 2016 1 1 12 31 1,891,140 2,086,068 3,977,208 566,000 (44,084) 521,916 144,969 144,969 16,737 16,737 44,054 (44,054) 100,159 100,159 418 3,056 3,474 2,501,612 2,162,692 100,159 4,764,463 (65,012) 65,012 (163,437) (163,437) (319,483) 319,483 (11,846) 11,846 (396,341) (86,579) 319,483 (163,437) 2,105,271 2,076,113 419,642 4,601,026 178
22 2015 1 1 2015 12 31 984,145 906,995 1,891,140 302,208 263,792 566,000 23,374 20,680 44,054 69 349 418 1,309,796 1,191,816 2,501,612 (8,391) (56,621) (65,012) (50,127) (269,356) (319,483) (11,846) (11,846) (58,518) (68,467) (269,356) (396,341) 1,251,278 1,123,349 (269,356) 2,105,271 23 12 31 2016 2015 (i) 4,890,326 4,095,911 1,731,477 706,794 (35,413) (31,353) 847,433 173,840 (ii) 462,001 382,503 332,221 321,622 (iii) 177,847 160,826 199,183 24,701 33,960 33,960 14,610 86,475 273,348 350,231 8,926,993 6,305,510 179
23 (i) 12 31 2016 2015 3,510,495 2,521,257 1,168,425 788,290 211,406 786,364 4,890,326 4,095,911 (ii) 2016 12 31 2015 437,162 437,162 91,621 528,783 437,162 (54,659) (43,303) (12,123) (11,356) (66,782) (54,659) 462,001 382,503 12 31 2016 2015 10-50 462,001 382,503 180
23 (iii) 12 31 2016 2015 270,735 216,703 43,862 54,032 314,597 270,735 (109,909) (87,807) (26,841) (22,102) (136,750) (109,909) 177,847 160,826 24 2016 12 31 2015 357,404,602 324,194,889 19,352,840 2,857,924 15,258,399 20,671,000 2,092,980 6,933,544 394,108,821 354,657,357 181
25 12 31 2016 2015 256,737,966 179,985,599 443,686,661 310,115,626 7,501,155 6,381,855 26,046,656 15,298,848 2,271,260 4,244,368 736,243,698 516,026,296 96,140,392 75,174,823 26 12 31 2016 2015 13,846,049 500,020 29,560 13,875,609 500,020 27 12 31 2016 2015 2021 (i) 3,250,000 2018 (ii) 1,500,000 1,500,000 2019 (iii) 4,500,000 4,500,000 2020 (iv) 5,000,000 5,000,000 2021 (v) 10,000,000 2026 (vi) 10,000,000 83,595,250 75,686,036 114,595,250 89,936,036 182
27 (i) 2011 11 2510 32.5 6.50%2016 11 28 (ii) 2013 9 11515 5.0% (iii) 2014 3 1045 5 5.7% (iv) 2015 12 2450 5 3.88% (v) 2016 02 24 1005 3.60% (vi) 2016 9 14 10010 3.60%2021 2016 12 31 28 12 31 2016 2015 (i) 12,260,436 10,424,981 (ii) 4,643,722 3,397,286 3,611,447 1,758,182 696,988 2,424,554 134,889 427,893 15,311 33,642 12,340 4,036 493,745 173,558 21,868,878 18,644,132 183
28 (i) 2016 12 31 2015 9,113,358 6,834,399 2,221,805 3,284,315 925,273 306,267 12,260,436 10,424,981 (ii) 2016 12 31 2015 4,570,584 3,348,951 73,138 48,335 4,643,722 3,397,286 29 1 12 31 2016 2015 (i) 17,959,697 14,509,697 (i) 2016 3 302016 4 19 3,795,000,000 H 3,450,000,000H 345,000,000H 3.96 H1.00 184
29 (i) 2016 12 31 12 31 2016 2015 (ii) 19,990,020 12,181,167 (ii) 29(i) 30 (i) (ii) 2016 1 1 2,775,091 8,241,258 1,015,315 5,001,198 2016 12 31 3,790,406 13,242,456 2015 1 1 2,070,022 4,639,490 705,069 3,601,768 2015 12 31 2,775,091 8,241,258 (i) 10% 50% 25% (ii) 2012 7 1[2012]20 1.5% 185
31 2016 1 1 1,277,931 (319,483) 958,448 (1,341,006) 335,251 (1,005,755) (337,562) 84,391 (253,171) 2016 12 31 (400,637) 100,159 (300,478) 2015 1 1 200,507 (50,127) 150,380 1,407,765 (351,941) 1,055,824 (330,341) 82,585 (247,756) 2015 12 31 1,277,931 (319,483) 958,448 32 10% (i) (ii) 2016 6 1510 1.32,334,761 2017 3 1020172016 4,001,274 101.7 3,053,148 186
33 (a) 2016 12 31 2016 12 31 4,291.06 2015 12 31 2,138.56 2016 12 312015 12 31 (b) 2016 12 312015 12 31 2016 12 312015 12 31 187
33 (b) 2016 12 31 20,093,570 20,093,570 520,010,269 521,006,432 2015 12 31 177,613,646 177,613,646 251,104,038 251,735,711 34 (a) 2016 12 31 2015 164,360,672 122,164,834 128,676,586 88,744,036 43,601,377 43,030,538 3,061,032 5,388,500 11,177,797 2,806,182 350,877,464 262,134,090 (b) 12 31 2016 2015 2,810,696 97,083 1,084,160 375,839 3,894,856 472,922 188
34 (c) 12 31 2016 2015 1 477,992 370,139 15 1,494,106 1,195,678 5 834,143 510,769 2,806,241 2,076,586 (d) 2016 12 31 35 2015 12 31 2016 12 31 2015 32,588,407 35,095,222 2,100,808 6,937,716 34,689,215 42,032,938 36 12 31 2016 2015 90,666,765 73,269,343 0% 100% 189
37 12 31 2016 2015 309,803 237,660 17,600,970 11,856,106 32,266,553 6,901,542 50,177,326 18,995,308 38 (a) (%) 12 31 2016 2015 14.79 19.96 2016 12 31 4,617,999 2015 12 31 2,292,6342016 12 31 10,720 201517,902 190
38 (b) (i) 2016 12 31 2015 3,905,663 7,938,165 776,260 1,006,560 148,173 166,590 48,000 5,000 12 31 2016 2015 4.35%-5.34% 4.35%-6.42% 0.35%-1.95% 0.35%-4.80% (ii) 12 31 2016 2015 36,913 59,170 243,899 41,888 35,256 743 191
38 (b) (iii) 12 31 2016 2015 4,984 2,645 12 31 2016 2015 0.35%-5.10% 0.35%-5.10% 12 31 2016 2015 1 22 2 1 12016 12 1 2021 11 30 3,000 5% 2 2016 5 1 2021 11 30650 (c) 192
38 (d) 2016 2015 12 31 2016 2015 1,900 1,792 13,205 12,005 25,429 11,867 2,274 2,073 42,808 27,737 39 (a) 193
39 (a) 2016 12 31 24,945,936 4,605,178 25,125,344 54,676,458 (12,662,992) (461,893) (16,323,020) (29,447,905) 3,391,439 (1,111,658) (2,279,781) 15,674,383 3,031,627 6,522,543 25,228,553 1,764,486 76,632 5,633,969 7,475,087 10,134 10,134 387,777 337,562 725,339 84,463 24,645 28,069 77,052 214,229 (5,509,153) (786,737) (3,672,020) (15,862) (9,983,772) (101,769) (13,674) (120,616) (216) (236,275) (8,845,233) (1,432,778) (10,278,011) 3,556,723 913,389 8,860,257 61,190 13,391,559 431,087 64,303 448,735 2,130 946,255 2016 12 31 615,137,846 91,756,149 640,319,661 3,039,837 1,350,253,493 4,601,026 1,354,854,519 (715,326,617) (34,582,561) (533,326,820) (4,143,143) (1,287,379,141) 194
39 (a) 2015 12 31 19,046,623 3,960,130 24,423,057 47,429,810 (10,689,837) (529,436) (15,624,786) (26,844,059) 2,841,180 (1,240,937) (1,600,243) 11,197,966 2,189,757 7,198,028 20,585,751 1,830,229 24,792 2,245,935 4,100,956 2,073 2,073 329,792 329,792 37,754 18,964 8,576 46,519 111,813 (5,000,526) (947,259) (2,277,102) (32,399) (8,257,286) (105,532) (17,419) (85,052) (123) (208,126) (6,987,969) (504,718) (7,492,687) 1,077,454 781,536 7,507,302 14,120 9,380,412 366,459 54,797 433,909 13 855,178 2015 12 31 441,178,017 65,969,587 522,381,314 16,197 1,029,545,115 2,105,271 1,031,650,386 (504,222,345) (23,470,603) (454,263,462) (36,912) (981,993,322) 195
39 (b) 2016 12 31 33,892,477 9,564,871 2,722,903 8,496,207 54,676,458 (19,072,024) (5,371,226) (1,595,549) (3,409,106) (29,447,905) 724,856 40,935 131,623 (897,414) 15,545,309 4,234,580 1,258,977 4,189,687 25,228,553 5,174,702 1,023,064 479,848 797,473 7,475,087 9,737 228 36 133 10,134 367,907 248,969 42,478 65,985 725,339 153,133 11,975 2,451 46,670 214,229 (6,440,862) (1,576,535) (587,307) (1,379,068) (9,983,772) (176,763) (27,899) (6,176) (25,437) (236,275) (6,328,098) (1,532,157) (578,585) (1,839,171) (10,278,011) 8,481,828 2,410,124 617,898 1,881,709 13,391,559 630,862 115,342 18,612 181,439 946,255 196
39 (b) 2016 12 31 1,300,381,130 275,332,329 99,138,703 217,967,292 (542,565,961) 1,350,253,493 4,601,026 1,354,854,519 (1,241,584,216) (273,819,160) (98,814,535) (215,727,191) 542,565,961 (1,287,379,141) 2015 12 31 29,289,824 9,671,093 1,721,703 6,747,190 47,429,810 (16,481,188) (5,701,501) (884,777) (3,776,593) (26,844,059) 467,882 (31,429) 317,099 (753,552) 13,276,518 3,938,163 1,154,025 2,217,045 20,585,751 3,296,089 392,465 53,828 358,574 4,100,956 2,073 2,073 329,792 329,792 136,445 (40,647) 1,246 14,769 111,813 (5,455,636) (1,464,447) (326,692) (1,010,511) (8,257,286) (160,605) (26,451) (4,327) (16,743) (208,126) (5,510,632) (859,454) (166,874) (955,727) (7,492,687) 6,074,649 1,966,080 715,533 624,150 9,380,412 280,558 20,685 21,397 532,538 855,178 197
39 (b) 2015 12 31 965,153,651 237,892,641 63,370,751 145,154,525 (382,026,453) 1,029,545,115 2,105,271 1,031,650,386 (920,763,520) (236,220,351) (63,025,891) (144,010,013) 382,026,453 (981,993,322) 40 2017 1 18 30 51% 41 198
41 41.1 41.1.1 199
41 41.1 41.1.2 200
41 41.1 41.1.3 90% 90% 80% 70% 60% 50% 30% 201
41 41.1 41.1.4 12 31 2016 2015 123,959,303 87,412,081 98,442,129 76,607,447 23,131,819 10,795,291 4,780,282 458,534 443,668,657 335,228,940 61,441,941 49,092,403 41,532,932 29,042,163 537,036,109 431,893,606 5,210,706 4,217,696 1,339,203,878 1,024,748,161 164,360,672 122,164,834 128,676,586 88,744,036 43,601,377 43,030,538 3,061,032 5,388,500 11,177,797 2,806,182 350,877,464 262,134,090 1,690,081,342 1,286,882,251 2016 12 31 41.1.5 2016 12 31 2015 12 31 202
41 41.1 41.1.6 (a) 2016 12 31 2015 12 31 % % 82,223,489 17.90 50,795,800 14.72 64,730,164 14.09 36,978,096 10.71 56,026,555 12.19 37,390,404 10.82 55,305,239 12.04 39,878,330 11.55 26,045,725 5.67 21,415,271 6.20 23,900,015 5.20 21,764,906 6.30 7,448,445 1.62 6,540,180 1.89 6,588,230 1.43 3,774,675 1.09 5,358,641 1.17 5,931,548 1.72 4,857,390 1.06 3,985,721 1.15 3,837,283 0.84 1,596,036 0.46 3,835,856 0.83 3,856,737 1.12 3,132,538 0.68 1,471,659 0.43 2,722,151 0.59 2,185,286 0.63 2,447,060 0.53 2,517,500 0.73 1,967,475 0.43 1,052,171 0.30 1,714,035 0.37 527,852 0.15 531,332 0.12 397,152 0.11 528,407 0.11 425,225 0.12 18,024,442 3.92 39,827,199 11.53 371,224,472 80.79 282,311,748 81.73 203
41 41.1 41.1.6 (a) 2016 12 31 2015 12 31 % % 73,203,499 15.93 60,304,266 17.46 8,812,054 1.92 2,204,489 0.64 6,253,028 1.36 602,358 0.17 88,268,581 19.21 63,111,113 18.27 459,493,053 100.00 345,422,861 100.00 (b) 12 31 2016 2015 180,846,164 149,906,362 133,982,215 90,575,061 72,495,022 40,865,811 54,145,210 24,248,428 18,024,442 39,827,199 459,493,053 345,422,861 204
41 41.1 41.1.6 (c) 2016 12 31 2015 12 31 % % 243,706,939 53.04 200,043,980 57.91 93,867,159 20.43 54,167,679 15.68 80,273,764 17.47 65,892,661 19.08 41,645,191 9.06 25,318,541 7.33 459,493,053 100.00 345,422,861 100.00 (d) 2016 12 31 2015 12 31 365,323,385 86,910,829 277,065,957 61,858,044 685,414 471,404 1,521,516 744,435 5,215,673 886,348 3,724,275 508,634 371,224,472 88,268,581 282,311,748 63,111,113 (10,264,681) (2,773,382) (6,738,777) (1,601,792) (2,786,333) (1,853,352) (13,051,014) (2,773,382) (8,592,129) (1,601,792) 358,173,458 85,495,199 273,719,619 61,509,321 205
41 41.1 41.1.6 (e) 2016 12 31 356,859,022 8,464,363 365,323,385 86,561,195 349,634 86,910,829 443,420,217 8,813,997 452,234,214 2015 12 31 272,786,370 4,279,587 277,065,957 61,673,669 184,375 61,858,044 334,460,039 4,463,962 338,924,001 (f) 2016 12 31 30 30 60 90 60 90 375,698 100,766 122,020 86,930 685,414 90,271 69,787 39,833 271,513 471,404 465,969 170,553 161,853 358,443 1,156,818 206
41 41.1 41.1.6 (f) 2015 12 31 30 30 60 90 60 90 767,367 160,260 327,045 266,844 1,521,516 122,485 116,857 100,067 405,026 744,435 889,852 277,117 427,112 671,870 2,265,951 (g) 12 31 2016 2015 5,215,673 3,724,275 886,348 508,634 6,102,021 4,232,909 4,847,943 2,396,817 878,826 789,096 5,726,769 3,185,913 207
41 41.1 41.1.6 (h) 12 31 (i) 2016 2015 286,640 77,490 2016 12 31 1 90 1 3 90 1 3 18,125 52,825 2,098 73,048 420,193 981,608 884,443 5,097 2,291,341 674,846 1,506,487 907,960 7,678 3,096,971 13,156 19,128 21,648 53,932 1,126,320 2,560,048 1,816,149 12,775 5,515,292 2015 12 31 1 90 1 3 90 1 3 17,730 3,340 88,421 109,491 1,165,748 1,093,870 411,372 2,670,990 1,343,494 1,518,289 547,450 14,374 3,423,607 47,320 60,011 480 107,811 2,574,292 2,675,510 1,047,723 14,374 6,311,899 208
41 41.1 41.1.7 2016 12 31 A-1(i) 140,268 140,268 AAA 717,510 10,763,473 11,426,698 22,907,681 AA 1,069,172 387,555 1,070,149 2,526,876 A 220,419 220,419 (ii) 19,636,071 46,684,040 29,036,085 537,036,109 632,392,305 21,563,021 58,055,487 41,532,932 537,036,109 658,187,549 AAA 334,445 334,445 A 145,740 208,841 354,581 BBB 363,370 1,042,054 1,405,424 BB 21,347 433,839 455,186 B 634,313 1,556,822 2,191,135 (ii) 69,583 144,898 214,481 1,568,798 3,386,454 4,955,252 23,131,819 61,441,941 41,532,932 537,036,109 663,142,801 209
41 41.1 41.1.7 2015 12 31 AAA 818,892 6,600,905 3,802,801 11,222,598 AA 568,380 468,640 700,000 1,737,020 A 225,137 225,137 (ii) 9,408,019 41,348,914 24,539,362 430,536,314 505,832,609 10,795,291 48,643,596 29,042,163 430,536,314 519,017,364 A 448,807 448,807 (ii) 1,357,292 1,357,292 448,807 1,357,292 1,806,099 10,795,291 49,092,403 29,042,163 431,893,606 520,823,463 (i) A-1 AA (ii) 2016 12 31 3,467,730 2015 12 31 1,611,057 210
41 41.1 41.1.8 12 31 2016 2015 33,960 33,960 41.1.9 2016 12 312015 12 31 41.2 41.2.1 211
41 41.2 41.2.2 (VaR) 41.2.3 212
41 41.2 41.2.3 3 3 1 15 5 2016 12 31 123,959,303 309,803 124,269,106 83,663,629 14,778,500 98,442,129 661,758 5,758,689 8,948,050 7,763,322 23,131,819 4,780,282 4,780,282 150,662,080 231,835,400 61,160,797 10,380 443,668,657 1,227,925 4,641,374 34,639,939 20,932,703 25,000 61,466,941 670,052 3,279,737 21,840,595 15,742,548 41,532,932 128,131,265 221,760,228 177,773,045 8,245,342 1,126,229 537,036,109 175,510 69,188 4,966,008 5,210,706 489,151,522 482,123,116 304,362,426 52,694,295 11,207,322 1,339,538,681 (207,897,330) (185,211,491) (1,000,000) (394,108,821) (13,875,609) (13,875,609) (4,126,534) (4,126,534) (429,777,965) (138,340,938) (167,482,723) (642,072) (736,243,698) (51,405) (31,404) (15,547,415) (15,630,224) (9,451,353) (70,501,188) (24,642,709) (10,000,000) (114,595,250) (647,178,053) (394,085,021) (193,125,432) (10,000,000) (34,191,630) (1,278,580,136) (158,026,531) 88,038,095 111,236,994 42,694,295 (22,984,308) 60,958,545 213
41 41.2 41.2.3 3 3 1 15 5 2015 12 31 87,412,081 237,660 87,649,741 56,927,660 19,679,787 76,607,447 986,657 6,666,015 3,142,619 10,795,291 458,534 458,534 128,519,258 173,984,576 30,401,427 2,323,679 335,228,940 417,845 5,065,855 28,870,115 14,738,588 25,000 49,117,403 410,071 2,391,554 13,957,662 12,282,876 29,042,163 97,901,221 234,911,811 92,222,708 2,500,000 4,357,866 431,893,606 10,437 24,701 4,182,558 4,217,696 371,598,573 437,020,240 172,142,628 34,987,762 9,261,618 1,025,010,821 (244,208,133) (109,092,574) (1,000,000) (356,650) (354,657,357) (500,020) (500,020) (634,747) (634,747) (271,254,382) (122,699,356) (120,597,647) (1,000,000) (474,911) (516,026,296) (10,437) (14,330,044) (14,340,481) (41,964,241) (32,435,459) (12,286,336) (3,250,000) (89,936,036) (557,437,193) (264,727,409) (133,883,983) (4,250,000) (15,796,352) (976,094,937) (185,838,620) 172,292,831 38,258,645 30,737,762 (6,534,734) 48,915,884 214
41 41.2 41.2.3 100 12 31 2016 2015 100 (810,689) (761,508) 100 810,689 761,508 a. b. c. d. e. f. g. 215
41 41.2 41.2.4 216
41 41.2 41.2.4 2016 12 31 119,896,810 4,362,105 7,013 3,178 124,269,106 87,246,022 3,610,258 7,206,981 378,868 98,442,129 21,563,021 1,568,798 23,131,819 4,780,282 4,780,282 414,528,389 28,919,329 220,939 443,668,657 58,081,738 3,385,203 61,466,941 41,532,932 41,532,932 537,036,109 537,036,109 4,973,891 195,464 40,514 837 5,210,706 1,289,639,194 42,041,157 7,254,508 603,822 1,339,538,681 (371,837,636) (21,318,941) (952,244) (394,108,821) (13,875,609) (13,875,609) (4,126,534) (4,126,534) (706,116,140) (29,615,834) (93,062) (418,662) (736,243,698) (15,379,205) (250,241) (19) (759) (15,630,224) (114,595,250) (114,595,250) (1,225,930,374) (51,185,016) (93,081) (1,371,665) (1,278,580,136) 63,708,820 (9,143,859) 7,161,427 (767,843) 60,958,545 321,425,621 25,328,489 4,123,354 350,877,464 217
41 41.2 41.2.4 2015 12 31 87,059,010 585,275 2,176 3,280 87,649,741 74,907,698 1,549,788 45,860 104,101 76,607,447 10,795,291 10,795,291 458,534 458,534 324,198,431 10,394,983 635,526 335,228,940 48,668,569 448,834 49,117,403 29,042,163 29,042,163 430,526,322 651,056 716,228 431,893,606 4,144,819 71,531 1,346 4,217,696 1,009,800,837 13,701,467 48,036 1,460,481 1,025,010,821 (346,514,532) (4,574,846) (3,567,979) (354,657,357) (500,020) (500,020) (634,747) (634,747) (504,149,741) (11,415,490) (39,671) (421,394) (516,026,296) (14,220,157) (99,551) (13) (20,760) (14,340,481) (89,936,036) (89,936,036) (955,955,233) (16,089,887) (39,684) (4,010,133) (976,094,937) 53,845,604 (2,388,420) 8,352 (2,549,652) 48,915,884 253,657,966 7,061,738 1,414,386 262,134,090 218
41 41.2 41.2.4 1% 12 31 2016 2015 1% 708 612 1% (708) (612) a. b. c. d. 219
41 41.3 41.3.1 220
41 41.3 41.3.2 3 3 1 15 5 2016 12 31 106,400,672 17,924,951 124,325,623 17,187,727 66,783,338 15,168,615 99,139,680 687,735 6,008,912 10,022,194 9,122,834 25,841,675 4,464,086 62,585,248 236,708,408 148,827,597 20,749,328 473,334,667 25,000 200,000 1,048,183 4,709,341 37,280,087 23,160,465 66,423,076 685,355 3,388,958 23,405,517 17,096,396 44,576,226 133,466,391 236,789,112 184,835,791 8,941,818 564,033,112 10,000 75,682 166,191 69,698 321,571 4,474,086 106,501,354 35,312,678 265,422,441 502,843,044 404,371,186 79,070,841 1,397,995,630 (57,533,437) (151,874,694) (189,419,835) (1,324,800) (400,152,766) (29,560) (1,644,625) (12,201,424) (13,875,609) (301,295,418) (81,339,648) (187,935,342) (171,931,226) (742,501,634) (3,286,979) (51,405) (31,404) (3,369,788) (10,214,233) (72,235,919) (28,737,691) (11,800,000) (122,987,843) (3,316,539) (358,828,855) (245,124,605) (461,823,924) (201,993,717) (11,800,000) (1,282,887,640) 4,474,086 103,184,815 (323,516,177) 20,297,836 41,019,120 202,377,469 67,270,841 115,107,990 221
41 41.3 41.3.2 3 3 1 15 5 2015 12 31 75,592,986 12,096,764 87,689,750 4,852,182 52,659,532 20,575,765 78,087,479 401,177 7,728,477 3,989,080 12,118,734 4,359,537 58,567,482 190,065,399 91,042,149 9,373,733 353,408,300 25,000 200,000 183,559 4,153,821 31,886,064 17,967,718 54,416,162 391,468 2,510,625 15,573,789 16,146,706 34,622,588 100,102,289 244,224,980 104,100,176 4,085,935 452,513,380 1,000 82,161 9,437 26,569 119,167 4,360,537 75,617,986 17,231,107 211,913,767 461,931,767 250,357,224 51,563,172 1,072,975,560 (19,487,343) (174,295,399) (167,411,997) (1,001,778) (362,196,517) (507,911) (507,911) (215,602,211) (57,894,786) (124,426,560) (122,249,998) (1,000,000) (521,173,555) (3,905,063) (10,437) (3,915,500) (42,666,500) (33,260,250) (14,840,500) (3,461,250) (94,228,500) (238,994,617) (274,867,122) (325,606,718) (138,092,276) (4,461,250) (982,021,983) 4,360,537 75,617,986 (221,763,510) (62,953,355) 136,325,049 112,264,948 47,101,922 90,953,577 222
41 41.3 41.3.3 (a) 2016 12 31 2016 12 31 (8,523) (18,911) (173,324) (1,144,127) (1,344,885) 7,940 19,236 144,564 1,041,066 1,212,806 (583) 325 (28,760) (103,061) (132,079) 2015 12 31 (2,986) (27,311) (68,561) (98,858) 29 2,176 23,636 74,928 100,769 29 (810) (3,675) 6,367 1,911 223
41 41.3 41.3.3 (b) 2016 12 31 2016 12 31 (36,929,775) (46,723,582) (112,106,052) (5,441,423) (201,200,832) 36,929,543 46,544,660 113,044,253 5,434,653 201,953,109 (232) (178,922) 938,201 (6,770) 752,277 2015 12 31 (12,926,475) (9,210,202) (30,742,952) (1,828,681) (54,708,310) 12,901,066 9,095,487 30,701,727 1,831,906 54,530,186 (25,409) (114,715) (41,225) 3,225 (178,124) 224
41 41.3 41.3.4 3 3 1 15 5 2016 12 31 106,348,030 17,921,076 124,269,106 3,952,824 3,952,824 17,187,727 66,475,902 14,778,500 98,442,129 661,758 5,758,689 8,948,050 7,763,322 23,131,819 1,048,613 2,581,854 1,149,815 4,780,282 4,422,340 57,903,637 226,946,340 139,058,027 15,338,313 443,668,657 25,000 200,000 1,027,925 4,641,374 34,639,939 20,932,703 61,466,941 670,052 3,279,738 21,840,594 15,742,548 41,532,932 129,322,643 223,353,472 175,826,014 8,533,980 537,036,109 11,646 8,387,657 34,385 2,623,331 3,220,370 1,975,525 320,806 16,573,720 4,433,986 118,713,511 35,343,188 259,733,861 484,560,337 383,437,964 68,631,672 1,354,854,519 (57,533,437) (150,363,892) (185,211,492) (1,000,000) (394,108,821) (29,560) (1,644,625) (12,201,424) (13,875,609) (1,213,742) (1,633,921) (1,278,871) (4,126,534) (294,980,363) (83,999,269) (189,327,337) (167,731,645) (205,084) (736,243,698) (12,340) (1,654,747) (16,557,460) (5,896,207) (227,733) (80,742) (24,429,229) (9,451,353) (70,501,188) (24,642,709) (10,000,000) (114,595,250) (41,900) (354,168,547) (263,230,341) (464,771,569) (194,880,958) (10,285,826) (1,287,379,141) 4,433,986 118,671,611 (318,825,359) (3,496,480) 19,788,768 188,557,006 58,345,846 67,475,378 225
41 41.3 41.3.4 3 3 1 15 5 2015 12 31 75,555,586 12,094,155 87,649,741 1,848 1,848 4,852,182 52,075,478 19,679,787 76,607,447 986,657 6,666,015 3,142,619 10,795,291 75,352 286,967 96,215 458,534 4,288,746 54,775,979 182,907,103 85,110,470 8,146,642 335,228,940 25,000 200,000 217,845 5,065,855 28,870,115 14,738,588 49,117,403 410,070 2,391,555 13,957,662 12,282,876 29,042,163 99,520,427 238,501,937 91,415,242 2,456,000 431,893,606 10,085 5,455,067 82,097 974,073 2,953,177 1,203,854 177,060 10,855,413 4,298,831 81,037,501 17,228,434 208,049,224 452,773,038 227,319,573 40,943,785 1,031,650,386 (18,364,775) (172,517,285) (162,775,297) (1,000,000) (354,657,357) (500,020) (500,020) (216,257) (331,867) (86,623) (634,747) (214,929,100) (56,800,192) (122,899,356) (120,397,648) (1,000,000) (516,026,296) (4,036) (523,964) (14,667,637) (4,961,791) (70,371) (11,067) (20,238,866) (41,964,241) (32,435,459) (12,286,336) (3,250,000) (89,936,036) (4,036) (233,817,839) (286,165,612) (323,903,790) (133,840,978) (4,261,067) (981,993,322) 4,298,831 81,033,465 (216,589,405) (78,116,388) 128,869,248 93,478,595 36,682,718 49,657,064 226
41 41.3 41.3.5 2016 12 31 1 1 5 5 164,360,672 164,360,672 128,575,111 101,475 128,676,586 37,054,403 6,546,974 43,601,377 3,061,032 3,061,032 11,177,797 11,177,797 344,229,015 6,648,449 350,877,464 2015 12 31 1 1 5 5 122,164,834 122,164,834 88,735,215 8,821 88,744,036 39,335,706 3,694,832 43,030,538 5,388,500 5,388,500 2,806,182 2,806,182 258,430,437 3,703,653 262,134,090 41.4 (a) 13 227
41 41.4 (a) (b) 2016 12 31 41,532,932 41,537,769 41,537,769 537,036,109 442,442,602 96,174,457 538,617,059 578,569,041 483,980,371 96,174,457 580,154,828 (114,595,250) (115,910,000) (115,910,000) 228
41 41.4 (b) 2015 12 31 29,042,163 29,955,988 29,955,988 431,893,606 382,418,387 50,917,921 433,336,308 460,935,769 412,374,375 50,917,921 463,292,296 (89,936,036) (89,538,488) (89,538,488) (i) (ii) 229
41 41.4 (c) 2016 12 31 23,131,819 23,131,819 4,780,282 4,780,282 61,283,045 61,283,045 158,896 158,896 25,000 25,000 89,354,042 25,000 89,379,042 (13,875,609) (13,875,609) (4,126,534) (4,126,534) (18,002,143) (18,002,143) 2015 12 31 10,795,291 10,795,291 458,534 458,534 48,072,368 48,072,368 1,020,035 1,020,035 25,000 25,000 60,346,228 25,000 60,371,228 (500,020) (500,020) (634,747) (634,747) (1,134,767) (1,134,767) 230
41 41.4 (c) 41.5 231
41 41.5 2013 1 1 2012 6 7 2016 12 31 12 31 2016 2015 85,912,841 59,475,980 67,706,445 50,409,543 18,206,396 9,066,437 (268,702) (160,826) 85,644,139 59,315,154 67,437,743 50,248,717 67,437,743 50,248,717 726,578,153 537,252,918 9.28% 9.35% 9.28% 9.35% 11.79% 11.04% 41.6 12 31 2016 2015 74,557,069 48,680,706 232