中信銀行熱心社會公益事業 努力踐行企業 社會責任 多年來在扶貧救濟 賑災救助 幫 助社會弱勢群體 贊助文化體育活動等方面做 出了應有的貢獻 2008年 中信銀行鼎立支持 的 加油 2008 大型公益活動 旨在奧運之 年動員全社會力量為全國14,000余所希望小學改 善體育設施 四川受災地區小學校舍重建募集 善款 用愛心為中國加油
2 3 6 8 10 12 12 13 40 49 56 57 61 63 65 72 155 156
8 20 1511 8 2008 2008 2
1 6 1 6 1 12 20,250 11,879 27,838 70.47% 11,120 5,572 13,103 99.57% 11,191 5,592 13,140 100.13% 8,417 3,205 8,290 162.62% 8,367 3,188 8,575 162.45% 95,396 33,414 29,519 185.50% 0.22 0.09 0.23 134.04% 0.22 0.09 0.23 134.04% 0.21 0.09 0.24 123.40% 2.44 0.98 0.76 148.98% 1 6 1 6 1 12 (ROAA) 1.58% 0.81% 0.97% 0.77 (ROAE) 19.31% 11.57% 14.30% 7.74 18.66% 8.12% 9.85% 10.54 18.55% 8.07% 10.19% 10.48 19.08% 13.37% 12.70% 5.71 18.97% 13.30% 13.14% 5.67 31.50% 35.79% 34.89% -4.29 0.46% 0.45% 0.54% 0.01 3.21% 2.82% 2.95% 0.39 3.42% 2.96% 3.12% 0.46 1 61 6 2008 3
2006 1,117,208 1,011,236 706,859 10.48% 633,812 575,208 463,167 10.19% 1,027,012 927,095 675,029 10.78% 849,464 787,211 618,412 7.91% 7,321 639 3,142 1,045.70% 90,191 84,136 31,825 7.20% 2.31 2.16 1.02 6.94% 2006 624,610 566,716 451,602 10.22% 9,202 8,492 11,565 8.36% 10,620 9,342 9,786 13.68% 1.45% 1.48% 2.50% -0.03 115.41% 110.01% 84.62% 5.40 1.68% 1.62% 2.11% 0.06 2006 14.28% 15.27% 9.41% -0.99 12.34% 13.14% 6.57% -0.80 8.07% 8.32% 4.50% -0.25 4
1 6 1 6 (2) 34 15 31 2 (9) (1) (1) (10) 26 6 71 20 (21) (7) 50 13 1 6 1 6 90,153 84,086 8,429 3,223 (154) (152) (3) 4 192 202 (9) (22) 90,191 84,136 8,417 3,205 2008 5
2008 GDP 10.4% 2008 84.17 162.62% (ROAA) 1.58% (ROAE) 19.31% 14.28% 12.34% 6
2008 2008 7
2008 6 11,172.08 10.48% 9,788.46 10.75% 6,338.12 10.19% 1000 77 162.62% 84.17 (ROAA) 1.58% 0.77 (ROAE) 19.31% 7.74 61.94% 105.68% 31.50% 7,394.41 5,517.61 15.54% 10.55% 720.4 61.0% 10 2,220.34 18.34% 1,017.33 86.93% 3,828 86.30% 192.52% 212.15% 5663.78 320% 1,223.59 1.11 640% 8
6 1.45% 0.03 1.90% 0.16 115.41% 5.40 2054 91.39 35 733.7 59.09% 84.18% 13.9572.5% 2008 9
CHINA CITIC BANK CORPORATION LIMITED CNCB (ACS, ACIS) (MPA, CPA) 8 C 100027 bank.ecitic.com 86-10-6555 8000 86-10-6555 0809 ir_cncb citicbank.com 1 28 A H A H www.sse.com.cn www.hkexnews.hk A H 601998 0998 10
A H 166 36 183 46 128 100738 10 8 1987 4 7 2006 1000001000600 B0006H111000001 110105101690725 10169072-5 2008 11
GDP 10.4% 1.8 CPI 5 7.9% 26.3% 0.4 21.4% 6 27.6% 21.9% 30.6% 5 2008 12
84.1752.12162.62% 11,172.081,059.7210.48%10,270.12 999.1710.78% 901.9160.557.20% 1 6 1 6 (%) 18,228 11,256 6,972 61.94 2,022 623 1,399 224.56 20,250 11,879 8,371 70.47 (1,330) (900) (430) 47.78 (6,378) (4,245) (2,133) 50.25 (1,422) (1,162) (260) 22.38 71 20 51 255.00 11,191 5,592 5,599 100.13 (2,774) (2,387) (387) 16.21 8,417 3,205 5,212 162.62 8,417 3,205 5,212 162.62 2008 13
182.2869.72 61.94% 2008 2007 (%) (%) (%) 619,698 22,318 7.20 506,005 14,655 5.79 532,614 32,566 6.11 211,539 3,901 3.69 136,604 2,209 3.23 153,944 5,206 3.38 124,473 1,051 1.69 74,420 573 1.54 84,035 1,333 1.59 33,432 403 2.41 21,290 295 2.78 25,433 710 2.79 76,247 1,426 3.74 23,403 391 3.34 41,806 1,679 4.02 1,065,389 29,099 5.46 761,722 18,123 4.76 837,832 41,494 4.95 774,386 8,902 2.30 613,536 5,772 1.88 641,568 12,673 1.98 172,109 1,526 1.77 73,249 630 1.72 103,502 1,713 1.66 8,517 123 2.89 7,811 187 4.79 7,098 344 4.85 (1) 12,067 320 5.30 12,079 278 4.60 12,110 594 4.91 967,079 10,871 2.25 706,675 6,867 1.94 764,278 15,324 2.00 18,228 11,256 26,170 (2) 3.21 2.82 2.95 (3) 3.42 2.96 3.12 (1) (2) (3) 14
2008 2006 3,291 4,372 7,663 5,090 4,188 9,278 1,210 482 1,692 1,701 28 1,729 385 93 478 404 80 484 169 (61) 108 277 79 356 882 153 1,035 665 538 1,203 5,937 5,039 10,976 8,137 4,913 13,050 1,512 1,618 3,130 1,758 125 1,883 850 46 896 1,235 (170) 1,065 17 (81) (64) 115 132 247 0 42 42 130 28 158 2,379 1,625 4,004 3,238 115 3,353 3,558 3,414 6,972 4,899 4,798 9,697 2008 290.99 109.76 60.56% 20077,617.22 2008 10,653.893,036.6739.87% 2007 4.76% 5.46% 0.7 2008 76.70% 2008 15
2008 366,121 13,333 7.28% 39,322 1,730 8.80% 244,941 8,729 7.13% 8,636 256 5.93% 619,698 22,318 7.20% 2008 2007 % % % 501,775 17,854 7.12 401,582 12,128 6.04 424,722 27,025 6.36 39,323 1,730 8.80 53,297 987 3.70 48,670 1,932 3.97 78,600 2,734 6.96 51,126 1,540 6.02 59,222 3,609 6.09 619,698 22,318 7.20 506,005 14,655 5.79 532,614 32,566 6.11 2008223.18 2007146.55 76.63 52.29%5.79%7.20% (1) (2) (3) 200839.0116.92 76.60%2007749.3554.86% 3.23% 3.69% 16
10.514.78 83.42% 2007500.5367.26% (1) 200711.5% 200817.5% (2) 1.54% 1.69% 4.031.08 36.61%121.42 2.78% 2.41% 14.26 3.91 264.71%225.80% 3.34% 3.74% 2008108.7140.0458.31% 7,066.75 9,670.79 2,604.0436.85%1.94% 2.25% 2008 17
2007 81.89% 84.05% 2008 2007 (%) (%) (%) 351,979 6,175 3.51 270,132 3,530 2.61 280,188 7,924 2.83 325,613 1,649 1.01 257,602 1,259 0.98 276,279 2,815 1.02 677,592 7,824 2.31 527,734 4,789 1.81 556,467 10,739 1.93 66,794 967 2.90 67,782 916 2.70 63,372 1,766 2.79 30,000 111 0.74 18,020 67 0.75 21,729 168 0.77 96,794 1,078 2.23 85,802 983 2.29 85,101 1,934 2.27 774,386 8,902 2.30 613,536 5,772 1.88 641,568 12,673 1.98 89.0231.30 54.23%1,608.5 0.42 42 7.59% 4.27% 44.92% 45.92% 15.26 2007 6.30 8.96142.22% 134.96% 1.72% 1.77% 18
3.200.42 15.11% 4.60% 5.30% 2004 2008 2.96% 3.42% 0.46 2008 2.82% 3.21% 0.39 200820.2213.992008 9.99% 5.24% 20072.94 5.03200823.16 9.09% 11.27% 1 6 1 6 (%) 1,381 605 776 128.26 (184) 46 (230) 568 (140) 708 186 59 127 215.25 71 53 18 33.96 2,022 623 1,399 224.56 2008 19
13.817.76 128.26% 15.51116.92% 1 6 1 6 (%) 141 143 (2) -1.40 367 148 219 147.97 196 144 52 36.11 313 76 237 311.84 198 111 87 78.38 183 56 127 226.79 111 15 96 640.00 42 22 20 90.91 1,551 715 836 116.92 (170) (110) (60) 54.55 1,381 605 776 128.26 1.842.30 5.68 1.40 20081.86 0.59 1.27 20
1 6 1 6 (%) 1,413 1,144 269 23.51 (16) 22 (38) 8 8 (1) 17 (4) 21 1,422 1,162 260 22.38 (1) 2.6 22.38% 1 6 1 6 (%) 3,865 1,597 2,268 142.02 951 984 (33) -3.35 1,562 1,664 (102) -6.13 6,378 4,245 2,133 50.25 31.50% 35.79% -4.29 63.7821.33 50.25% (1) (2) 2008 31.50%4.29 200827.743.8716.21% 24.79% 42.69%17.90 1 1 2008 21
(%) 633,812 575,208 58,604 10.19 (10,620) (9,342) (1,278) 13.68 623,192 565,866 57,326 10.13 (1) 249,607 159,848 89,759 56.15 148,195 123,369 24,826 20.12 30,863 26,655 4,208 15.79 44,745 118,046 (73,301) 62.10 (2) 20,606 17,452 3,154 18.07 1,117,208 1,011,236 105,972 10.48 849,464 787,211 62,253 7.91 136,703 97,248 39,455 40.57 11,393 15,754 (4,361) 27.68 12,000 12,000 (3) 17,452 14,882 2,570 17.27 1,027,012 927,095 99,917 10.78 (1) (2) (3) 22
6 55.78% 66,338.12 5,752.08 586.0410.19% (%) (%) (%) 515,455 81.3 465,520 81.0 49,935 10.73 82,051 13.0 76,089 13.2 5,962 7.84 36,306 5.7 33,599 5.8 2,707 8.06 633,812 100.0 575,208 100.0 58,604 10.19 (%) (%) (%) 194,771 30.7 182,058 31.7 12,713 6.98 (1) 185,238 29.2 167,329 29.1 17,909 10.70 97,427 15.4 90,358 15.7 7,069 7.82 69,309 10.9 60,410 10.5 8,899 14.73 64,443 10.2 55,780 9.7 8,663 15.53 22,215 3.5 19,065 3.3 3,150 16.52 409 0.1 208 201 96.63 633,812 100.0 575,208 100.0 58,604 10.19 (1) 2008 23
(%) (%) (%) 159,237 30.9 145,272 31.2 13,965 9.6 61,469 11.9 62,856 13.5 (1,387) -2.2 54,017 10.5 44,392 9.5 9,625 21.7 50,558 9.8 41,741 9.0 8,817 21.1 48,300 9.4 42,239 9.1 6,061 14.3 33,694 6.5 28,324 6.1 5,370 19.0 33,413 6.5 34,793 7.5 (1,380) -4.0 22,999 4.5 22,199 4.8 800 3.6 10,291 2.0 8,131 1.7 2,160 26.6 2,133 0.4 1,512 0.3 621 41.1 39,344 7.6 34,061 7.3 5,283 15.5 515,455 100.0 465,520 100.0 49,935 10.7 6 3012 31 72.48% 72.28% 6 30 1 1 5 5 (1) (2) 365,825 91,534 48,050 344 9,702 515,455 36,306 36,306 16,531 20,671 41,372 1,986 1,491 82,051 418,662 112,205 89,422 2,330 11,193 633,812 (1) 30 (2) 30 90 24
(%) (%) (%) 602,918 95.1 544,532 94.7 58,386 10.72 30,894 4.9 30,676 5.3 218 0.71 633,812 100.0 575,208 100.0 58,604 10.19 (%) (%) (%) 185,823 29.3 158,972 27.6 26,851 16.89 176,681 27.9 171,145 29.8 5,536 3.23 177,866 28.1 155,591 27.1 22,275 14.32 57,136 9.0 55,901 9.7 1,235 2.21 597,506 94.3 541,609 94.2 55,897 10.32 36,306 5.7 33,599 5.8 2,707 8.06 633,812 100.0 575,208 100.0 58,604 10.19 2006 (%) 10 2.92 3.41 6.70 (%) 50 21.93 25.03 47.60 2008 25
A 3,000 0.48% 2.92% B 2,919 0.46% 2.84% C 2,753 0.43% 2.68% D 2,300 0.36% 2.24% E 2,180 0.34% 2.12% F 2,060 0.33% 2.00% G 1,860 0.29% 1.81% H 1,840 0.29% 1.79% I 1,836 0.29% 1.78% J 1,810 0.29% 1.75% 22,558 3.56% 21.93% 6 92.02 7.1 5.124.12 61.45% 0.03 3 30 (%) (%) (%) 612,543 96.6 554,892 96.4 57,651 10.39 12,067 1.9 11,824 2.1 243 2.06 1,683 0.3 915 0.2 768 83.93 6,906 1.1 7,085 1.2 (179) 2.53 613 0.1 492 0.1 121 24.59 633,812 100.0 575,208 100.0 58,604 10.19 624,610 98.55 566,716 98.52 57,894 10.22 9,202 1.45 8,492 1.48 710 8.36 26
2006 0.48% 1.20% 0.52% 7.51% 6.12% 7.20% 6.52% 54.04% 32.03% 1.39% 5.86% 23.52% 0.28% 0.28% 0.52% 2008 2007 9,342 9,786 (1) 1,413 2,860 (2) (85) (187) (3) (50) (45) (3,072) 10,620 9,342 (1) (2) (3) 93.426 106.20 12.78 6115.41% 1.68% 2007 110.01% 1.62% 2008 27
(%) (%) (%) (%) (%) 8,581 93.3 1.66 8,004 94.3 1.72 577 7.21 621 6.7 0.76 488 5.7 0.64 133 27.25 9,202 100.0 1.45 8,492 100.0 1.48 710 8.36 (%) (%) (%) (%) (%) 1,366 14.8 0.70 852 10.0 0.47 514 60.33 (1) 4,010 43.6 2.16 4,114 48.4 2.46 (104) -2.53 1,580 17.2 1.62 1,877 22.1 2.08 (297) -15.82 711 7.7 1.03 772 9.1 1.28 (61) -7.90 904 9.8 1.40 452 5.3 0.81 452 100.00 631 6.9 2.84 425 5.1 2.23 206 48.47 9,202 100.0 1.45 8,492 100.0 1.48 710 8.36 (1) 28
(%) (%) (%) (%) (%) 4,158 48.4 2.61 4,051 50.6 2.79 107 2.64 1,596 18.6 3.30 1,539 19.2 3.64 57 3.70 773 9.0 1.53 783 9.8 1.88 (10) -1.28 359 4.2 1.07 358 4.5 1.03 1 0.28 333 3.9 0.62 22 0.3 0.05 311 1,413.64 257 3.0 12.05 231 2.9 15.28 26 11.26 126 1.5 0.20 65 0.8 0.10 61 93.85 59 0.7 0.26 28 0.3 0.13 31 110.71 18 0.2 0.05 18 0.2 0.06 9 0.1 0.09 13 0.2 0.16 (4) -30.77 893 10.4 2.27 896 11.2 2.63 (3) -0.33 8,581 100.0 1.66 8,004 100.0 1.72 577 7.21 (%) (%) (%) 621,456 98.1 564,528 98.2 56,928 10.08 (1) 1 90 3,887 0.6 2,700 0.5 1,187 43.96 91 180 1,186 0.2 438 0.1 748 170.78 181 7,283 1.1 7,542 1.2 (259) -3.43 12,356 1.9 10,680 1.8 1,676 15.69 633,812 100.0 575,208 100.0 58,604 10.19 91 8,469 1.3 7,980 1.4 489 6.13 (2) 4,699 0.7 5,303 0.9 (604) -11.39 (1) 90 (2) 2008 29
(%) (%) (%) 166,436 66.7 109,391 68.4 57,045 52.15 78,081 31.3 43,502 27.2 34,579 79.49 4,614 1.8 6,500 4.1 (1,886) -29.02 249,131 99.8 159,393 99.7 89,738 56.30 362 0.2 341 0.2 21 6.16 114 114 0.1 249,607 100.0 159,848 100.0 89,759 56.15 4,882 5,582 62,491.31897.38 56.30% (%) (%) (%) 27,824 11.2 36,858 23.2 (9,034) -24.51 128,063 51.4 42,187 26.5 85,876 203.56 32,982 13.2 28,594 17.9 4,388 15.35 25,956 10.4 22,223 13.9 3,733 16.80 11,587 4.7 15,295 9.6 (3,708) -24.24 22,719 9.1 14,236 8.9 8,483 59.59 249,131 100.0 159,393 100.0 89,738 56.30 30
(%) (%) (%) 214,451 86.1 121,845 76.4 92,606 76.00 34,680 13.9 37,548 23.6 (2,868) -7.64 249,131 100.0 159,393 100.0 89,738 56.30 6 12.53 85.943.45% 12.34 84.62 0.19 1.32 0.03 0.20.05 0.36 6 0.040.11 6 (Fannie Mae) (Freddie Mac) 3.84 26.327.97 54.65 2.32 15.931.71 11.70 0.64% 0.47% 6 (%) (%) 8,594 99.35 3.45 4 8,462 97.82 3.40 AAA 2,632 30.43 1.06 5,465 63.18 2.19 132 1.53 0.05 4 AAA 20 0.23 0.01 11 AAA Baa2 A 36 0.42 0.01 AAA Aaa AAA 8,650 100.00 3.47 15 (1) CDO (2) CDO 60.11 2008 31
610 (%) 1 6,900 2007-10-12 2010-10-12 3.95% 2 5,000 2007-09-07 2010-09-07 3.71% 3 4,985 2008-04-11 2008-07-11 4 4,982 2008-04-18 2008-07-18 5 4,933 2008-06-20 2008-09-19 6 4,773 2008-05-09 2008-08-08 7 4,767 2008-06-13 2008-09-12 8 4,754 2008-05-30 2008-08-29 9 4,677 2008-04-30 2008-07-30 10 4,471 2008-05-16 2008-08-15 11 4,437 2008-04-07 2008-07-07 12 3,990 2008-05-23 2008-08-22 13 3,965 2008-06-06 2008-09-05 14 3,839 2008-06-27 2008-09-26 15 3,612 2008-04-25 2008-07-25 16 3,000 2007-03-09 2010-03-09 3.07% 17 3,000 2007-07-13 2010-07-13 3.60% 18 2,732 2008-03-05 5.00% 19 2,732 2008-01-23 5.20% 20 2,650 2008-02-20 2015-02-20 4.90% 21 2,411 2008-05-15 5.26% 22 2,119 2008-04-30 2.60% 23 2,000 2008-06-24 2009-03-24 4.86% 24 1,500 2008-04-24 2013-04-21 3.69% 25 1,300 2008-03-25 2018-03-20 4.07% 26 1,200 2008-02-13 2015-02-13 3.95% 27 1,090 2000-09-21 2010-09-21 4.34% 28 1,050 2008-04-08 2013-04-08 4.63% 29 1,000 2007-09-07 2008-07-07 3.85% 30 1,000 2007-07-11 2008-07-11 4.73% 31 1,000 2008-03-17 2011-02-22 4.56% 32 1,000 2008-02-15 2011-02-15 4.52% 100,869 32
2008 2007 15 245 (1) 8 7 (66) (2) (171) 23 15 (1) (2) 4 16 12 3 3 23 15 162,755 758 (1,055) 137,348 947 (312) 173,268 3,375 (1,477) 113,307 1,093 (1,600) 853 17 (13) 456 9 (2) 336,876 4,150 (2,545) 251,111 2,049 (1,914) 2008 33
(2) 4,614 6,500 (1,886) 99 (1) 1,605 135 1,470 568 78,443 43,843 34,600 123 84,662 50,478 34,184 790 (1) (2) 1 6 1,497 22,318 (22,082) 1,733 1,744 3,901 (3,408) 2,237 130 2,880 (2,958) 52 3,371 29,099 (28,448) 4,022 (%) 892 858 34 3.96 369 317 52 16.40 523 541-18 -3.33 34
(%) 353,346 338,074 15,272 4.52 386,095 301,931 84,164 27.88 27,670 28,770 (1,100) -3.82 358,425 273,161 85,264 31.21 739,441 640,005 99,436 15.54 31,963 66,900 (34,937) -52.22 78,060 80,306 (2,246) -2.80 110,023 147,206 (37,183) -25.26 849,464 787,211 62,253 7.91 68,494.64 7,872.11 622.537.91% 994.36 287.7 116 276.7 2005 6 12.95%20075.75 (%) (%) (%) 802,947 94.5 735,558 93.4 67,389 9.16 46,517 5.5 51,653 6.6 (5,136) -9.94 849,464 100.0 787,211 100.0 62,253 7.91 2008 35
(%) (%) (%) (1) 426,601 50.2 355,927 45.2 70,674 19.86 202,182 23.8 176,372 22.4 25,810 14.63 61,035 7.2 99,913 12.7 (38,878) -38.91 66,081 7.8 65,163 8.3 918 1.41 66,841 7.9 63,336 8.0 3,505 5.53 26,724 3.1 26,500 3.4 224 0.85 849,464 100.0 787,211 100.0 62,253 7.91 (1) 6 3 3 12 1 5 5 (%) (%) (%) (%) (%) (%) 390,478 46.0 171,111 20.0 158,748 18.7 15,220 1.8 3,884 0.5 739,441 87.0 53,879 6.3 24,003 2.9 27,961 3.3 4,176 0.5 4 110,023 13.0 444,357 52.3 195,114 22.9 186,709 22.0 19,396 2.3 3,888 0.5 849,464 100.0 36
201,415 166,939 35,092 32,547 50,779 36,016 12,121 8,150 24,674 16,934 324,081 260,586 2,872 2,275 368 391 12,257 15,766 339,578 279,018 2008 37
6 2006 (%) (%) 2006 25 47.25 38.90 38.66 60 129.25 110.01 99.98 60 51.74 48.62 56.17-10 -9.74 3.63 10 75 75.56 74.40 79.93 85 72.37 68.82 33.36 4 0.79 0.82 2.45 5 1.45 1.48 2.50 15 4.25 4.47 6.9 10 2.92 3.41 6.7 50 3.90 3.88 10.12 20 2.54 11.42 6.19 35 31.50 34.89 43.85 0.6 1.58 0.97 0.61 11 19.31 14.30 13.07 >100 135.50 132.28 160.84 >100 131.30 128.61 148.21 8 14.28 15.27 9.41 4 12.34 13.14 6.57 38
100.8782.41% 2008 20077.8395.14% 2008 20084.6337.39% 2008200734.88 73.45% 6.1317.19% 30% 6 17,097 54.17% 4,150 102.54% 44,745-62.10% 78,443 78.92% 166,436 52.15% 129,382 33.92% 7,321 1045.70% 2,545 32.97% 4,108 37.12% 2,401-42.66% 5,731 40.05% 10,059 169.68% 18,228 61.94% 1,381 128.26% 186 215.25% 568 1,330 47.78% 6,378 50.25% 2008 39
6 2,200 3,141 41.2%42.48% 2,363 17.9%45.84% 6 7,394.41 15.54% 87.05% 1,93426.15% 3.74% 0.76 6 1,293.82 33.92% 1,683.10 65.44% 530 800,000 15.54% 739,441 140,000 120,000 33.92% 129,382 700,000 600,000 640,005 100,000 80,000 60,000 96,609 500,000 40,000 20,000 400,000 12 6 0 12 6 40
41 2008 65,517.61 10.55% 363.06 8.06% 6 6,665535 16.3% 309 13.7% 0.72% 0.22 6 11.55 70.86% 57.12% 42% 5.0% 6 6.4% 6720.4 61.0% 5.1 35% ICC 87% 0.0 0.1 0.2 0.3 0.4 0.5 0.6 0.7 0.8 0.9 6 12 1.0 0.72% 0.94% 0 10,000 20,000 30,000 40,000 50,000 60,000 70,000 80,000 2008 2007 72,042 44,745 61%
42 63.78 320% 32.73% 661% 112.64% 245.33% 138.4 22.70% 700 2008 61,223.59 44.35% 1.11 640% 101 65.57% BBVA 6 3,45648.2% 10,1121,040 9,43427,689 2.292.39 12.78% 3.11 0 100 200 300 400 500 2008 2007 378 90 320% 15.54% 0 20,000 40,000 60,000 80,000 100,000 120,000 140,000 6 12 122,359 84,756 44%
43 2008 2008 6 31.50 62.45% 15.56% 5.72 133.47% 2008 2008 6 2,220.34 344.16 18.34% 1,100.23371.83 657.58 2008 6820.51 7.84% 648.27 6.57% 2.0 (1) 40,000 90,000 140,000 190,000 240,000 6 12 222,034 187,618 18.34% 60,000 66,000 72,000 78,000 84,000 90,000 6 6 82,051 76,089 7.84% (1)
44 6155 1,017.3386.93% 1.25123.21% 2008 1952 100 4001.87 456% 72.36 17.53 508.051.39 2008 3,828 6566 143.7386.30% 221.63 67.33192.52% 212.15% 5.33 220.85% 0 20,000 40,000 60,000 80,000 100,000 120,000 101,733 54,422 87% 2008 2007 0 5,000 10,000 15,000 20,000 25,000 0 300 600 900 1,200 2008 2007 566 305 86% 22,163 7,859 193%
2008 1.12 2.014.21 4.14 6 69 QQ 200836+1 ISO9001 2000 (CRE) (CSQS) 6 20.0683.70% 9.91% 9.69298.77% 47.92% 1 5335 757 2008 45
39.0116.92 3.69% 46 20 54 6.6 37.7844.88 8.73 200813.95 72.5% 200835 733.7 59.09% 84.18% 46
BBVA SWIFT BBVA BBVA 6 19 BBVA BBVA BBVA BBVA BBVA BBVA BBVA 1196505 28184581 7 22 3 6 7462,320 2.5% 9.1% 2008 47
5.0 (ODS) (Call Center) IBM System i595 48
1 [2008]152 1. 1 2. BBB 3. 5 3 4. (EAD) 2009 1 2008 49
6 505.58 7.98%1.53%0.35 651.4% 0.05 79.8% 0.32%0.02 50
1 BB6 2009 2 1 2 2008 51
3 3 1 1 5 5 24,558 704,497 321,385 45,603 21,165 1,117,208 24,004 753,430 217,285 20,423 11,870 1,027,012 554 (48,933) 104,100 25,180 9,295 90,196 2008 52
21,356 (351) (1,849) 19,156 (16,306) 187 1,600 (14,519) 5,050 (164) (249) 4,637 2008 2008517.5%3 2008 53
2008 54
2006 39,033 39,033 31,113 49,923 42,906 (7) 88,956 81,939 31,106 4,379 3,621 2,663 8,400 9,600 10,800 1,236 101 14,015 13,322 13,463 102,971 95,261 44,569 90 90 158 102,881 95,171 44,411 88,911 81,894 31,027 720,466 623,300 471,957 12.34% 13.14% 6.57% 14.28% 15.27% 9.41% 4 27A 23.02 5.80H 56.18 5.86AH AH 448.36 2008 55
9,050 8,495 93.87% 6,750 6,338 93.90% 2008 56
(+,-) (%) (%) 32,860,195,400 84.18-7,027,823,200-7,027,823,200 25,832,372,200 66.18 1. 0 0 2. 25,051,622,919 64.18-722,014,000-722,014,000 24,329,608,919 62.33 3. 0 0 0 0 0 0 4. 7,808,572,481 20.00-6,305,809,200-6,305,809,200 1,502,763,281 3.85 7,808,572,481 20.00-6,305,809,200-6,305,809,200 1,502,763,281 3.85 0 0 6,173,148,654 15.82 7,027,823,200 7,027,823,200 13,200,971,854 33.82 1. 1,784,694,654 4.57 517,238,000 517,238,000 2,301,932,654 5.90 2. 0 0 3. 4,388,454,000 11.25 6,510,585,200 6,510,585,200 10,899,039,200 27.92 4. 0 0 39,033,344,054 100 39,033,344,054 100 1. 4 27H 5 10 A 2,301,932,654H 5,618,300,000 BBVA A 26,631,541,573H 12,401,802,481 39,033,344,054 2. 517,238,000 AA 3. 633,051,654 AA 4. 273,036,000 HH 2008 57
579,849A 535,218H 44,631H H (%) 1 A 24,329,608,919 62.33 0 0 2 H 5,855,002,200 15.00 0 0 3 H 4,845,178,000 12.41 0 4 BBVA H 1,885,311,281 4.83 0 0 5 H 68,259,000 0.17 0 6 H 68,259,000 0.17 0 7 H 68,259,000 0.17 0 8 H 34,129,000 0.09 0 9 H 34,129,000 0.09 0 10 A 29,310,000 0.08 0 6 3055.16% BBVA 14.51% 24,329,608,919 24,329,608,919 1 2010.4.28 BBVA 1,502,763,281 1,502,763,281 2 2010.3.2 1. A AA H 2. BBVA 3 1 BBVA 58
10 1 5,855,002,200 H 2 4,845,178,000 H 3 BBVA 382,548,000 H 4 68,259,000 H 5 68,259,000 H 6 68,259,000 H 7 34,129,000 H 8 34,129,000 H 9 29,310,000 A 10 25,862,000 A 10 25,862,000 A 10 25,862,000 A 10 25,862,000 A 10 25,862,000 A 10 25,862,000 A 10 25,862,000 A 10 25,862,000 A 10 25,862,000 A 10 25,862,000 A 10 25,862,000 A 10 25,862,000 A 2008 59
6 30336 H (%) BBVA 9,720,672,261 (L) 1,885,311,281 (S) 78.38 (L) 15.20 (S) 7,741,682,481 (L) 62.42 (L) 5,856,731,200 (L) 5,855,002,200 (S) 47.22 (L) 46.85 (S) (Lehman Brothers Asia Holdings Ltd.) 732,821,000 (L) 732,821,000 (S) 6.32 (L) 6.32 (S) (Lehman Brothers Asia Ltd.) 732,821,000 (L) 732,821,000 (S) 6.32 (L) 6.32 (S) (Lehman Brothers Pacific Holdings Pte. Ltd.) 732,821,000 (L) 732,821,000 (S) 6.32 (L) 6.32 (S) (L) (S) 6 30336 XV 62.33% 60
2008 61
2007 2007 7 15 SAP-HR 6 15,344 274 505 20 62
63 2008 1 3 4 2007 AH 93.79% 2007 1 14 27 5 3 13 1 6 12 7 15 15
64 8 2 4 7 11 17 2 1 2007 50 100 2008 70
6 126 12H 6 24A 1 112 31 0.0535 20.88 34.24 0.54% 1.22 7 7 36 5% 5% 6 12 62.33% 380 380 15.00% 0 0 2008 65
[2003]56[2005]120 3,000 56 27.89 36 2.16 1 JPGUMMC ID 2,407,544,100 2,407,544,100.00 2,410,594,561.74 2,407,544,100.00 2 JPMUL CD LX 2,716,203,600 2,716,203,600.00 2,731,925,465.06 2,716,203,600.00 3 BZW$LAI 2,723,062,700 2,723,062,700.00 2,731,821,259.35 2,723,062,700.00 4 HSBUSDA ID 2,112,602,800 2,112,602,800.00 2,119,272,290.40 2,112,602,800.00 5 00762 (HK) 900,000 15,795,000.00 11,482,054.11 15,795,000.00 9,960,313,200 9,975,208,200.00 10,005,095,630.67 9,975,208,200.00 70,000,000.00 87,500,000 4.24% 113,750,000.00 66
5 % 5%5%) XV352 4,800,000 (L) 1.00 0.08% 20,000,000 (L) 0.05 0.38% 3,240,000 (L) 1.00 0.06% 7,194,689 (L) 1.00 0.12% 2,560,000 (L) 1.00 0.04% 320,000 (L) 1.00 0.01% 320,000 (L) 1.00 0.01% (L) 6 30 2008 67
H bank.ecitic.com www.sse.com.cn www.hkexnews.hk 86-10-6555 8000 852-2862 8555 68
1 2 3 2008 2008 José Ignacio Goirigolzarri (John Dexter Langlois) 2008 69
中信銀行支持 中國青少年高爾夫運動
財 務 報 告
KPMG A(2008)OR No.0189 1 1 2101 (2006) 2008 6 301 1 72 2008
6 148,195 123,369 7 13,766 15,565 8 17,097 11,090 9 4,614 6,500 10 4,150 2,049 11 44,745 118,046 12 4,022 3,359 13 623,192 565,866 14 78,443 43,843 15 166,436 109,391 16 114 114 17 8,555 8,444 18 399 389 19 1,112 954 20 2,368 2,257 1,117,208 1,011,236 22 129,382 96,609 23 7,321 639 10 2,545 1,914 24 11,393 15,754 25 849,464 787,211 26 4,108 2,996 27 2,401 4,187 28 5,731 4,092 29 50 40 30 12,000 12,000 19 375 13 31 2,242 1,640 1,027,012 927,095 2008 73
32 39,033 39,033 33 36,547 36,818 34 829 829 35 3,731 3,731 10,059 3,730 (8) (5) 90,191 84,136 5 5 90,196 84,141 1,117,208 1,011,236 85 154 74 2008
6 148,190 123,360 7 13,763 15,560 8 17,845 11,608 9 4,614 6,500 10 4,150 2,049 11 44,814 118,046 12 4,017 3,359 13 622,783 565,659 14 78,081 43,502 15 166,328 109,348 16 201 201 8,519 8,406 18 399 389 19 1,112 954 20 2,368 2,257 1,117,184 1,011,198 22 129,382 96,609 23 7,321 639 10 2,545 1,914 24 11,393 15,754 25 849,464 787,214 26 4,108 2,996 27 2,400 4,184 28 5,731 4,092 29 50 40 30 12,000 12,000 19 366 4 31 2,232 1,624 1,026,992 927,070 2008 75
32 39,033 39,033 33 36,565 36,827 34 829 829 35 3,731 3,731 10,034 3,708 90,192 84,128 1,117,184 1,011,198 85 154 76 2008
6 306 20,250 11,879 37 18,228 11,256 29,099 18,123 (10,871) (6,867) 38 1,381 605 1,551 715 (170) (110) 39 186 59 40 568 (140) (184) 46 71 53 (9,130) (6,307) (1,330) (900) 41 (6,378) (4,245) 42 (1,422) (1,162) 11,120 5,572 109 30 (38) (10) 11,191 5,592 43 (2,774) (2,387) 8,417 3,205 8,417 3,205 44(a) 0.22 0.09 44(a) 0.22 0.09 85 154 2008 77
6 306 20,244 11,869 37 18,231 11,260 29,102 18,127 (10,871) (6,867) 38 1,381 605 1,551 715 (170) (110) 39 186 48 40 568 (140) (184) 46 62 50 (9,128) (6,304) (1,330) (900) 41 (6,376) (4,242) 42 (1,422) (1,162) 11,116 5,565 109 30 (38) (11) 11,187 5,584 43 (2,773) (2,386) 8,414 3,198 85 154 78 2008
62,253 48,012 32,773 61,752 6,682 73,301 4,484 4,192 30,050 18,526 4,266 3,267 209,325 140,233 (58,604) (74,927) (160) (30,303) (14,502) (465) (16) (1,669) (21) (4,361) (2,523) (8,830) (6,334) (2,753) (1,444) (5,661) (2,213) (1,283) (4,679) (113,929) (106,819) 46(a)a 95,396 33,414 532,317 122,468 63 2 532,380 122,470 (582,729) (143,513) (604) (230) (583,333) (143,743) (50,953) (21,273) 2008 79
45,105 45,105 (572) (503) (2,088) (726) (22) (112) (2,682) (1,341) (2,682) 43,764 (951) (175) 46(a)a 40,810 55,730 90,545 53,027 46(a)b 131,355 108,757 85 154 80 2008
62,254 48,008 32,768 61,752 6,395 73,300 4,484 4,192 30,045 18,526 4,256 3,345 209,018 140,307 (58,403) (74,858) (160) (30,303) (14,502) (465) (1,669) (4,360) (2,523) (8,830) (6,334) (2,753) (1,444) (5,657) (2,213) (1,267) (4,602) (113,707) (106,636) 46(b)a 95,311 33,671 532,317 122,515 63 2 532,380 122,517 (582,635) (143,584) (607) (230) (583,242) (143,814) (50,862) (21,297) 2008 81
45,105 45,105 (572) (503) (2,088) (726) (20) (112) (2,680) (1,341) (2,680) 43,764 (952) (175) 46(b)a 40,817 55,851 90,533 53,022 46(b)b 131,350 108,873 85 154 82 2008
1 1 39,033 (98) 36,916 829 3,731 3,730 (5) 5 84,141 8,417 8,417 1. (1) 33 (376) (376) (2) 17 17 2. 19(b), 33 88 88 3. 1. 1. 34 2. 35 3. 36 (2,088) (2,088) 4. 36 (3) (3) 39,033 (369) 36,916 829 3,731 10,059 (8) 5 90,196 1 1 31,113 (14) 726 5 31,830 8,290 8,290 1. (1) 33 (100) (100) (2) (8) (8) 2. 19(b), 33 24 24 3. 1. 7,920 36,916 44,836 1. 34 829 (829) 2. 35 3,731 (3,731) 3. 36 4. 36 (726) (726) (5) (5) 39,033 (98) 36,916 829 3,731 3,730 (5) 5 84,141 85 154 2008 83
1 1 39,033 (89) 36,916 829 3,731 3,708 84,128 8,414 8,414 1. (1) 33 (366) (366) (2) 17 17 2. 19(b), 33 87 87 3. 1. 1. 34 2. 35 3. 36 (2,088) (2,088) 4. 39,033 (351) 36,916 829 3,731 10,034 90,192 1 1 31,113 (7) 713 31,819 8,281 8,281 1. (1) 33 (103) (103) (2) (6) (6) 2. 19(b),33 27 27 3. 1. 7,920 36,916 44,836 1. 34 829 (829) 2. 35 3,731 (3,731) 3. 36 4. (726) (726) 39,033 (89) 36,916 829 3,731 3,708 84,128 85 154 84 2008
1 2006 2006 12 26 B10611000H0001 2006 1000001000600 1987 4 7 2005 8 2 2006 4 A H 4 27 A 26,631,541,573H 12,401,802,481 39,033,344,054 HA 6 3021 2 1 1 06 306 32 3 (2006) 2008 85
4 20082007 2007 5 (a) 5% (b) 1% 7% (c) 3% (d) 6 30 25% 6 3033% 16.5% 6 3017.5% 6 3,476 4,341 3,471 4,332 (i) 114,857 84,968 114,857 84,968 (ii) 28,933 33,545 28,933 33,545 929 515 929 515 148,195 123,369 148,190 123,360 (i) (ii) 017.5% 2007 14.5%5% 20075% 86 2008
7 6,891 7,445 6,891 7,445 321 255 321 255 7,212 7,700 7,212 7,700 6,554 7,865 6,551 7,860 13,766 15,565 13,763 15,560 21 13,766 15,565 13,763 15,560 8 8,348 9,658 8,348 9,658 169 471 169 471 8,517 10,129 8,517 10,129 8,726 1,107 8,726 1,107 748 518 8,726 1,107 9,474 1,625 17,243 11,236 17,991 11,754 21 (146) (146) (146) (146) 17,097 11,090 17,845 11,608 9 109 129 1,093 853 2,167 136 364 3,387 2,876 4,614 6,500 4,614 6,500 2008 87
10 3 3 1 15 5 5,606 98,896 44,448 13,805 162,755 758 (1,055) 92,183 73,571 6,562 952 173,268 3,375 (1,477) 668 185 853 17 (13) 4,150 (2,545) 3 3 1 15 5 45,327 64,572 19,913 7,536 137,348 947 (312) 66,747 39,980 6,580 113,307 1,093 (1,600) 259 197 456 9 (2) 2,049 (1,914) 88 2008
11 (a) 5,810 86,030 5,810 86,030 31,099 26,157 31,099 26,157 4,809 3,039 4,809 3,039 3,027 2,820 3,027 2,820 44,745 118,046 44,745 118,046 69 69 44,745 118,046 44,814 118,046 44,745 118,046 44,814 118,046 (b) 6,848 101,848 6,917 101,848 31,353 10,648 31,353 10,648 6,544 5,550 6,544 5,550 44,745 118,046 44,814 118,046 44,745 118,046 44,814 118,046 2008 89
12 2,237 1,744 2,229 1,740 1,733 1,497 1,733 1,497 52 130 55 134 4,022 3,371 4,017 3,371 21 (12) (12) 4,022 3,359 4,017 3,359 13 (a) 515,455 465,520 515,046 465,312 36,306 33,599 36,306 33,599 64,827 60,833 64,827 60,833 6,733 4,145 6,733 4,145 10,491 11,111 10,491 11,111 633,812 575,208 633,403 575,000 21 (10,620) (9,342) (10,620) (9,341) (5,810) (5,421) (5,810) (5,421) (4,810) (3,921) (4,810) (3,920) 623,192 565,866 622,783 565,659 90 2008
13 (b) (%) (%) 159,237 25.2 145,272 25.3 61,469 9.7 62,856 10.9 54,017 8.5 44,392 7.7 50,558 8.0 41,741 7.3 48,300 7.6 42,239 7.3 33,694 5.3 28,324 4.9 33,413 5.3 34,793 6.1 22,999 3.6 22,199 3.9 10,291 1.6 8,131 1.4 2,133 0.3 1,512 0.3 39,344 6.2 34,061 5.9 515,455 81.3 465,520 81.0 82,051 13.0 76,089 13.2 36,306 5.7 33,599 5.8 633,812 100.0 575,208 100.0 21 (10,620) (9,342) (5,810) (5,421) (4,810) (3,921) 623,192 565,866 2008 91
13 (b) (%) (%) 159,237 25.2 145,262 25.3 61,469 9.7 62,856 10.9 53,880 8.5 44,246 7.7 50,330 8.0 41,741 7.3 48,300 7.6 42,239 7.3 33,694 5.3 28,324 4.9 33,413 5.3 34,789 6.1 22,981 3.6 22,180 3.9 10,291 1.6 8,131 1.4 2,133 0.3 1,512 0.3 39,318 6.2 34,032 5.9 515,046 81.3 465,312 81.0 82,051 13.0 76,089 13.2 36,306 5.7 33,599 5.8 633,403 100.0 575,000 100.0 21 (10,620) (9,341) (5,810) (5,421) (4,810) (3,920) 622,783 565,659 92 2008
13 (c) (%) (%) 194,771 30.7 182,058 31.7 185,238 29.2 167,329 29.1 97,427 15.4 90,358 15.7 69,309 10.9 60,410 10.5 64,443 10.2 55,780 9.7 22,215 3.5 19,065 3.3 409 0.1 208 0.0 633,812 100.0 575,208 100.0 21 (10,620) (9,342) (5,810) (5,421) (4,810) (3,921) 623,192 565,866 (%) (%) 194,771 30.8 182,058 31.7 185,238 29.2 167,329 29.1 97,427 15.4 90,358 15.7 69,309 10.9 60,410 10.5 64,443 10.2 55,780 9.7 22,215 3.5 19,065 3.3 633,403 100.0 575,000 100.0 21 (10,620) (9,341) (5,810) (5,421) (4,810) (3,920) 622,783 565,659 49(b) 2008 93
13 (d) 185,823 158,972 185,823 158,774 176,681 171,145 176,500 171,145 177,866 155,591 177,638 155,591 57,136 55,901 57,136 55,891 597,506 541,609 597,097 541,401 36,306 33,599 36,306 33,599 633,812 575,208 633,403 575,000 21 (10,620) (9,342) (10,620) (9,341) (5,810) (5,421) (5,810) (5,421) (4,810) (3,921) (4,810) (3,920) 623,192 565,866 622,783 565,659 (e) 3 3 1 1 3 3 550 204 347 622 1,723 439 432 1,897 1,050 3,818 2,898 1,176 1,222 1,519 6,815 2,529 1,127 1,091 1,454 6,201 369 49 131 65 614 3,887 1,812 3,466 3,191 12,356 3 3 1 1 3 3 249 125 366 544 1,284 303 440 2,290 903 3,936 2,148 569 1,241 1,502 5,460 2,052 424 1,153 1,410 5,039 96 145 88 92 421 2,700 1,134 3,897 2,949 10,680 1 90 94 2008
13 (f) 3,622 299 5,421 9,342 757 132 863 1,752 (339) (339) (85) (85) (50) (50) 4,379 431 5,810 10,620 2,663 264 6,859 9,786 959 81 2,193 3,233 (373) (373) (187) (187) (45) (45) (46) (3,026) (3,072) 3,622 299 5,421 9,342 2008 95
13 (f) 3,621 299 5,421 9,341 757 132 863 1,752 (339) (339) (85) (85) 1 (50) (49) 4,379 431 5,810 10,620 2,662 264 6,859 9,785 959 81 2,193 3,233 (373) (373) (187) (187) (45) (45) (46) (3,026) (3,072) 3,621 299 5,421 9,341 96 2008
13 (g) (i) (ii) 624,610 621 8,581 633,812 1.45% (4,379) (431) (5,810) (10,620) 620,231 190 2,771 623,192 (i) (ii) 566,716 488 8,004 575,208 1.48% (3,622) (299) (5,421) (9,342) 563,094 189 2,583 565,866 2008 97
13 (g) (i) (ii) 624,201 621 8,581 633,403 1.45% (4,379) (431) (5,810) (10,620) 619,822 190 2,771 622,783 (i) (ii) 566,508 488 8,004 575,000 1.48% (3,621) (299) (5,421) (9,341) 562,887 189 2,583 565,659 (i) (ii) (iii) 52(a) (iv) 06 3085.81 12 31 80.0412.85 12 3114.24 72.96 12 3165.8015.86 12 3117.74 58.10 12 3154.21 (h) 4,699 5,303 98 2008
14 (i) 78,085 43,502 78,085 43,502 (ii) 362 341 78,447 43,843 78,085 43,502 21 (4) (4) 78,443 43,843 78,081 43,502 (i) 264 231 264 231 145 2,506 145 2,506 29,887 5,129 29,887 5,129 7,510 8,424 7,510 8,424 428 452 428 452 217 217 17,462 11,745 17,462 11,745 4,446 5,400 4,446 5,400 17,683 9,569 17,683 9,569 43 46 43 46 78,085 43,502 78,085 43,502 21 (4) (4) 78,081 43,502 78,081 43,502 7,470 7,727 7,470 7,727 70,611 35,775 70,611 35,775 78,081 43,502 78,081 43,502 2008 99
14 (ii) 362 341 21 362 341 12 15 350 326 362 341 15 27,237 34,048 27,237 34,048 69 73 69 73 98,047 35,965 98,047 35,965 24,068 17,424 24,068 17,424 123 127 123 127 4,110 3,839 4,110 3,839 4,045 6,282 3,937 6,239 7,141 9,895 7,141 9,895 956 1,085 956 1,085 656 665 656 665 166,452 109,403 166,344 109,360 21 (16) (12) (16) (12) 166,436 109,391 166,328 109,348 4,996 5,659 4,996 5,659 161,440 103,732 161,332 103,689 166,436 109,391 166,328 109,348 4,882 5,582 4,882 5,582 20086 100 2008
16 (i) 87 87 114 114 114 114 114 114 201 201 (i) 19842,500 95% 17 7,701 72 1,842 9,615 48 83 287 418 51 (51) (7) (56) (63) 7,793 104 2,073 9,970 (498) (673) (1,171) (132) (166) (298) 54 54 (630) (785) (1,415) 7,203 72 1,169 8,444 7,163 104 1,288 8,555 6 305.83 12 31 5.93 2008 101
18 325 130 14 469 27 27 325 157 14 496 (19) (55) (6) (80) (4) (13) (17) (23) (68) (6) (97) 306 75 8 389 302 89 8 399 19 (a) 4,448 1,112 3,632 908 184 46 4,448 1,112 3,816 954 (1,214) (304) (52) (13) (284) (71) (1,498) (375) (52) (13) 737 941 102 2008
19 (a) 4,448 1,112 3,632 908 184 46 4,448 1,112 3,816 954 (1,179) (295) (16) (4) (284) (71) (1,463) (366) (16) (4) 746 950 2008 103
19 (b) (i) (ii) 1 1 908 (13) 46 941 204 (379) (117) (292) 88 88 1,112 (304) (71) 737 1 1 1,732 (141) 509 2,100 (824) 104 (463) (1,183) 24 24 908 (13) 46 941 (i) (ii) 1 1 908 (4) 46 950 204 (378) (117) (291) 87 87 1,112 (295) (71) 746 1 1 1,732 (140) 509 2,101 (824) 109 (463) (1,178) 27 27 908 (4) 46 950 (i) (ii) (iii) 104 2008
20 (i) 523 541 412 380 210 174 (ii) 1,223 1,162 2,368 2,257 (i) 795 633 96 225 891 858 21 (368) (317) 523 541 (i) (ii) 0.21 1.08 (ii) 1,519 1,464 21 (296) (302) 1,223 1,162 2008 105
21 146 146 12 (12) 9,342 1,752 (339) (135) 10,620 4 4 12 4 16 317 51 368 302 17 12 (35) 296 10,131 1,777 (339) (84) (35) 11,450 42 56 (56) 249 9 (10) 13 (115) 146 24 (12) 12 9,786 3,233 (373) (232) (3,072) 9,342 19 (19) 223 7 (171) (47) 12 271 71 (8) (17) 317 410 (14) 186 (280) 302 11,038 3,320 (397) (212) (3,618) 10,131 106 2008
21 146 146 12 (12) 9,341 1,752 (339) (134) 10,620 4 4 12 4 16 317 51 368 302 17 12 (35) 296 10,130 1,777 (339) (83) (35) 11,450 56 (56) 249 9 (10) 13 (115) 146 24 (12) 12 9,785 3,233 (373) (232) (3,072) 9,341 19 (19) 223 7 (171) (47) 12 271 71 (8) (17) 317 410 (14) 186 (280) 302 11,037 3,320 (397) (212) (3,618) 10,130 2008 107
22 6,386 4,732 122,996 91,877 129,382 96,609 23 6,676 645 639 7,321 639 108 2008
24 (a) 415 5,655 4,733 6 3,313 5,661 8,461 380 5,732 6,913 5,732 7,293 11,393 15,754 (b) 10,791 9,842 520 602 5,392 11,393 15,754 2008 109
25 347,063 330,078 347,063 330,081 31,963 66,900 31,963 66,900 379,026 396,978 379,026 396,981 386,095 301,931 386,095 301,931 78,060 80,306 78,060 80,306 464,155 382,237 464,155 382,237 6,283 7,996 6,283 7,996 849,464 787,211 849,464 787,214 124,766 100,851 124,766 100,851 (i) 4,258 7,212 4,258 7,212 (i) 110 2008
26 3,908 2,862 (i) 7 5 (ii) 2 2 (iii) 37 38 154 89 4,108 2,996 (i) (ii) (iii) 27 2008 6 3060.41 0.42 26(i) 26(ii) 1,643 3,444 1,642 3,444 753 735 753 735 5 8 5 5 2,401 4,187 2,400 4,184 2008 111
28 5,629 3,751 102 341 5,731 4,092 29 50 40 40 20 10 40 (20) 50 40 112 2008
30 0 2010 6 (i) 4,778 4,778 2010 7 (i) 602 602 2010 9 (i) 300 300 2010 6 (ii) 320 320 2016 6 (iii) 4,000 4,000 2021 6 (iv) 2,000 2,000 12,000 12,000 (i) 2004 1 2.72% (ii) 2004 1 2.60% (iii) 2006 6 22 3.75% 2011 6 22 2011 656.75% (iv) 2006 6 22 4.12% 2016 6 22 2016 657.12% 31 704 369 704 364 287 53 287 53 124 104 124 104 188 183 188 183 939 931 929 920 2,242 1,640 2,232 1,624 2008 113
32 (a) 24,330 24,330 5,855 5,855 BBVA 1,885 1,885 6,963 6,963 39,033 39,033 A 26,631 26,631 H 12,402 12,402 39,033 39,033 (b) 39,033 31,113 7,920 39,033 39,033 114 2008
32 (b) 2006 12 31311.13311.13 1 311.13 2 28 Banco Bilbao Vizcaya Argentaria, S.A.BBVA [2007]853 1 1,502,763,281 BBVA 4A 23.02 1 5.80110.49 A AA 4H48.85 15.86233.52 H BBVA HH 5H7.33H1 5.8634.97 4 24KPMG- A(2007)CR No. 00186 30KPMG-A(2007)CR No. 0025 AH 33 37,898 37,898 37,898 37,898 (982) (982) (982) (982) (i) 36,916 36,916 36,916 36,916 (ii) (369) (98) (351) (89) 36,547 36,818 36,565 36,827 (i) (ii) 32 79.21 458.18 369.16 2008 115
34 1 1 829 0 829 2006 10% 50% 25% 35 3,731 3,731 2005 5 17 [2005]49 3 30 [2007]23 1% 2005 9 5 [2005]90 2005 7 1 35 2010 6 30 116 2008
36 (a) 34 829 35 3,731 4,560 3 26 8.29 37.31 10% 45% (b) 2005 200637.26 30 7.26 2006 20062007 2006 6 1212 31 100.53520.88 2008 117
37 6 306 113 142 113 142 1,051 573 1,051 573 290 153 302 165 17,854 12,128 17,845 12,120 2,734 1,540 2,734 1,540 1,730 987 1,730 987 1,426 391 1,426 391 3,901 2,209 3,901 2,209 29,099 18,123 29,102 18,127 94 129 94 129 (1,461) (592) (1,461) (592) (1) (2) (1) (2) (65) (38) (65) (38) (8,902) (5,772) (8,902) (5,772) (123) (187) (123) (187) (319) (276) (319) (276) (10,871) (6,867) (10,871) (6,867) 18,228 11,256 18,231 11,260 118 2008
38 6 306 367 148 313 76 198 111 196 144 183 56 (i) 141 143 111 15 42 22 1,551 715 (170) (110) 1,381 605 (i) 39 6 306 77 25 77 25 123 42 123 31 (14) (8) (14) (8) 186 59 186 48 40 6 306 22 (48) 22 73 524 (165) 568 (140) 2008 119
41 6 306 3,082 1,123 3,081 1,122 181 115 181 115 127 87 127 87 122 91 122 91 108 40 108 40 54 41 54 41 (1) (6) (1) (6) 192 106 192 106 3,865 1,597 3,864 1,596 298 288 298 288 366 370 366 370 60 106 60 106 42 69 42 69 80 63 80 63 846 896 846 896 1,562 1,664 1,561 1,662 105 88 105 88 1,667 1,752 1,666 1,750 6,378 4,245 6,376 4,242 42 6 306 1,413 1,144 4 4 17 (4) 1,438 1,140 (16) 22 1,422 1,162 120 2008
43 (a) 6 306 2,482 1,237 2,482 1,236 292 1,150 291 1,150 2,774 2,387 2,773 2,386 (b) 6 306 11,191 5,592 11,187 5,584 25% (i) 2,798 1,845 2,797 1,844 (ii) 365 365 (iii) 104 293 104 293 104 658 104 658 (128) (100) (128) (100) (16) (16) (128) (116) (128) (116) 2,774 2,387 2,773 2,386 (i) 16.5% 6 3017.5% 25%200733% (ii) (iii) 2008 121
44 9 6 306 (%) 8,417 9.33% 9.54% 0.22 0.22 8,367 9.28% 9.49% 0.21 0.21 6 306 (%) 3,205 4.06% 6.69% 0.09 0.09 3,192 4.04% 6.66% 0.09 0.09 (i) 6 306 6 306 (a) 6 306 8,417 3,205 (i) 39,033 33,967 0.22 0.09 (ii) 8,367 3,192 0.21 0.09 122 2008
44 (a) (i) 6 306 1 1 39,033 31,113 2,854 6 30 39,033 33,967 4AH 71.87 5 7.33H 6 30 (ii) 6 306 8,417 3,205 45 50 13 8,367 3,192 (b) 6 306 8,417 3,205 90,191 78,971 9.33% 4.06% 88,208 47,925 9.54% 6.69% 8,367 3,192 9.28% 4.04% 9.49% 6.66% 2008 123
45 1 2007 6 306 (2) 34 15 31 2 (9) (1) (1) (10) 26 6 71 20 (21) (7) 50 13 124 2008
46 (a) a. 1. 8,417 3,205 1,413 1,144 25 18 403 376 (186) (568) 140 628 468 2 319 276 (158) 1,285 362 (135) (14,921) (85,355) 99,662 111,990 95,396 33,414 2. 3. 131,355 108,757 90,545 53,027 40,810 55,730 b. 6 3,476 2,880 28,933 37,142 13,266 9,303 14,702 9,135 70,978 50,297 127,879 105,877 131,355 108,757 2008 125
46 (b) a. 1. 8,414 3,198 1,413 1,144 25 18 403 376 (186) (568) 140 628 468 2 319 276 (158) 1,285 362 (135) (14,262) (85,355) 98,921 112,142 95,311 33,559 2. 3. 131,350 108,873 90,533 53,022 40,817 55,851 b. 6 3,471 2,878 28,933 37,142 13,266 9,303 14,702 9,253 70,978 50,297 127,879 105,995 131,350 108,873 126 2008
47 (i) 12.34% 13.14% (ii) 14.28% 15.27% 39,033 39,033 36,565 36,827 4,560 4,560 10,034 1,620 (iii) (1,236) (101) 88,956 81,939 4,379 3,621 (iii) 1,236 101 8,400 9,600 14,015 13,322 102,971 95,261 90 90 102,881 95,171 88,911 81,894 720,466 623,300 (i) (ii) (iii) 100% 50% 11 10 2008 127
48 (a) 1979 10168558-X 2006 12 292006 12 3184.8% 15.2% 5 AH 62.3% 15.0% 300 % % % % 62.3% 62.3% 2007 84.8% 22.5% 62.3% (b) 6 306 21 130 13 9 (186) (523) (12) (7) 6 306 18 44 12 3 (60) (182) (16) (8) 128 2008
48 (b) 380 3,044 380 2,417 177 748 247 519 (i) 318 544 87 316 578 87 69 5 9 3 5 9 4 9,719 2,583 5,191 3,328 3 645 22,845 33,554 19 43 20 46 293 594 308 21 276 190 2,239 1,026 (i) (ii) 6 30620,508 19,630 2008 129
48 (c) 6 306 6 306 151 29,099 0.52% 62 18,123 0.34% (709) (10,871) 6.52% (242) (6,867) 3.52% 6 306 (i) 6 306 3,424 623,192 0.55% 2,797 565,866 0.49% 177 30,863 0.57% 247 26,655 0.93% 862 249,493 0.35% 894 159,734 0.56% 44,745 0.00% 118,046 0.00% 14 6,390 0.22% 14 5,616 0.25% 12,302 849,464 1.45% 8,519 787,211 1.08% 23,490 136,703 17.18% 33,554 97,248 34.50% 62 7,973 0.78% 66 5,732 1.15% 887 85,871 1.03% 329 68,563 0.48% 276 201,415 0.14% 190 166,939 0.11% (i) 130 2008
48 (d) 2,498 12 31 2,600 6 302,102 06 30 1,000 49 (a) 2008 131
49 (a) 6 306 15,882 3,150 2,006 (788) 20,250 14,727 2,578 1,037 (114) 18,228 12,628 1,804 3,853 (57) 18,228 2,099 774 (2,816) (57) 746 570 122 (57) 1,381 409 2 847 (617) 641 (5,795) (2,687) (400) (248) (9,130) (1,081) (178) (70) (1) (1,330) (3,397) (2,429) (330) (222) (6,378) (1,317) (80) (25) (1,422) 10,087 463 1,606 (1,036) 11,120 (189) (183) (16) (15) (403) 268 249 23 19 559 683,784 104,494 322,613 5,205 1,116,096 (746,559) (112,500) (162,308) (5,270) (1,026,637) 299,407 24,674 324,081 132 2008
49 (a) 6 306 9,794 1,939 1,092 (946) 11,879 9,118 1,694 849 (405) 11,256 8,739 722 1,794 1 11,256 379 972 (945) (406) 343 245 37 (20) 605 333 206 (521) 18 (4,264) (1,602) (269) (172) (6,307) (777) (100) (21) (2) (900) (2,379) (1,448) (248) (170) (4,245) (1,108) (54) (1,162) 5,530 337 823 (1,118) 5,572 (186) (156) (17) (17) (376) 184 150 17 16 367 580,049 99,739 324,390 6,104 1,010,282 649,676 149,174 121,412 6,820 927,082 243,652 16,934 260,586 (b) 21 2008 133
49 (b) 6 5,349 2,789 5,158 1,908 1,586 544 2,910 6 20,250 4,943 2,562 4,660 1,753 1,478 507 2,328 (3) 18,228 4,561 1,812 2,686 1,633 1,640 550 5,337 9 18,228 382 750 1,974 120 (162) (43) (3,009) (12) 270 135 328 121 95 29 403 1,381 136 92 170 34 13 8 179 9 641 (2,266) (1,082) (1,780) (750) (1,042) (334) (1,873) (3) (9,130) (412) (194) (372) (138) (123) (41) (50) (1,330) (1,445) (847) (1,202) (540) (416) (155) (1,770) (3) (6,378) (409) (41) (206) (72) (503) (138) (53) (1,422) 3,083 1,707 3,378 1,158 544 210 1,037 3 11,120 (98) (37) (82) (28) (26) (7) (125) (403) 62 48 326 35 27 16 45 559 269,671 147,161 333,907 91,064 94,380 39,958 932,149 931 (793,125) 1,116,096 284,984 203,463 393,059 104,252 82,681 33,206 717,286 831 (793,125) 1,026,637 108,837 41,155 45,017 46,755 17,040 10,073 55,204 324,081 134 2008
49 (b) 6 3,631 1,666 3,451 1,071 979 397 674 10 11,879 3,387 1,587 3,109 1,005 935 377 860 (4) 11,256 3,184 1,293 2,158 971 1,035 411 2,196 8 11,256 203 294 951 34 (100) (34) (1,336) (12) 154 41 187 49 35 15 124 605 90 38 155 17 9 5 (310) 14 18 (1,753) (846) (1,469) (551) (430) (167) (1,088) (3) (6,307) (300) (124) (253) (88) (82) (27) (26) (900) (1,182) (618) (873) (336) (298) (105) (830) (3) (4,245) (271) (104) (343) (127) (50) (35) (232) (1,162) 1,878 820 1,982 520 549 230 (414) 7 5,572 (89) (30) (72) (22) (23) (7) (133) (376) 157 27 63 48 11 5 56 367 331,592 179,884 399,102 118,088 91,833 32,035 559,905 651 (702,808) 1,010,282 289,710 163,753 351,563 105,243 80,120 27,395 611,562 544 (702,808) 927,082 82,503 36,734 66,603 36,687 13,495 7,630 16,934 260,586 50 (a) 2008 135
50 (a) 32,736 21,982 32,736 21,982 (b) 96,556 30,798 96,556 30,798 6 30816.48 272.53 136 2008
51 (a) 11,655 9,853 521 602 5,392 12,257 15,766 (b) 6 30 52 2008 137
52 (a) (i) (ii) (iii) (iv) (v) 90 180 138 2008
52 (a) 144,719 119,028 144,719 119,028 13,766 15,565 13,763 15,560 17,097 11,090 17,845 11,608 4,614 6,500 4,614 6,500 4,150 2,049 4,150 2,049 44,745 118,046 44,814 118,046 4,022 3,359 4,017 3,359 623,192 565,866 622,783 565,659 78,081 43,502 78,081 43,502 166,436 109,391 166,328 109,348 1,148 1,075 1,148 1,075 1,101,970 995,471 1,102,262 995,734 324,081 260,586 324,081 260,586 1,426,051 1,256,057 1,426,343 1,256,320 2008 139
52 (a) (iv) (i) 8,581 169 41 (5,810) (146) (23) 2,771 23 18 621 (431) 190 (ii) 4,320 3 3,520 3 1 770 1 30 (157) 4,163 620,290 30,840 44,745 249,589 (iii) (4,222) 616,068 30,840 44,745 249,589 623,192 30,863 44,745 249,607 (i) 13(g)(iv) (ii) 014.64 12 31 3.777.36 12 311.16 9.44 12 312.10 28.56 12 3123.60 (iii) (iv) 140 2008
52 (a) 8,004 171 31 (5,421) (146) (15) 2,583 25 16 488 (299) 189 2,737 3 2,524 3 1 213 1 (65) 2,672 563,979 26,630 118,046 159,832 (3,557) 560,422 26,630 118,046 159,832 565,866 26,655 118,046 159,848 2008 141
52 (b) (VaR) VaR VaR 99% 10 142 2008
52 (b) 3 (i) (ii) 3 1 15 5 1.69% 148,195 3,476 144,719 2.41% 30,863 30,283 580 3.74% 44,745 33,490 10,707 548 7.20% 623,192 393,574 221,137 6,163 2,318 3.69% 249,607 476 102,431 88,961 38,892 18,847 20,606 20,606 1,117,208 24,558 704,497 321,385 45,603 21,165 1.77% 136,703 120,789 15,269 645 2.89% 11,393 11,387 6 2.30% 849,464 6,552 615,254 202,010 20,423 5,225 5.30% 12,000 6,000 6,000 17,452 17,452 1,027,012 24,004 753,430 217,285 20,423 11,870 90,196 554 (48,933) 104,100 25,180 9,295 2008 143
52 (b) 3 (i) (ii) 3 1 15 5 1.59% 123,369 4,341 119,028 3.55% 26,655 26,252 403 4.01% 118,046 116,616 991 439 6.11% 565,866 360,040 192,181 12,017 1,628 3.38% 159,848 455 55,796 44,936 40,709 17,952 17,452 17,452 1,011,236 22,248 677,732 238,511 53,165 19,580 1.86% 97,248 95,845 764 639 4.84% 15,754 15,704 50 1.98% 787,211 8,168 675,275 84,183 15,536 4,049 4.90% 12,000 6,000 6,000 14,882 14,882 927,095 23,050 792,824 84,997 15,536 10,688 84,141 (802) (115,092) 153,514 37,629 8,892 (i) (ii) 3 65.12 51.02 90 144 2008
52 (b) 06 30 (100) 100 (100) 100 291 (291) (i) (ii) (iii) 2008 145
52 (b) 144,221 3,594 380 148,195 13,567 14,617 2,679 30,863 44,658 87 44,745 593,111 29,033 1,048 623,192 212,231 32,290 5,086 249,607 19,011 574 1,021 20,606 1,026,799 80,195 10,214 1,117,208 119,719 15,838 1,146 136,703 5,660 5,733 11,393 802,947 35,530 10,987 849,464 12,000 12,000 15,433 1,738 281 17,452 955,759 58,839 12,414 1,027,012 71,040 21,356 (2,200) 90,196 260,305 53,417 10,359 324,081 (i) 16,590 (16,306) 1,787 2,071 146 2008
52 (b) 120,141 2,859 369 123,369 15,876 7,552 3,227 26,655 117,877 169 118,046 535,998 28,598 1,270 565,866 119,882 34,843 5,123 159,848 14,590 2,179 683 17,452 924,364 76,200 10,672 1,011,236 94,335 1,466 1,447 97,248 8,461 7,293 15,754 735,558 42,236 9,417 787,211 12,000 12,000 13,198 1,309 375 14,882 863,552 52,304 11,239 927,095 60,812 23,896 (567) 84,141 213,043 39,505 8,038 260,586 (i) 17,181 (17,052) 342 471 (i) 2008 147
52 (b) 06 30 (100) 100 (100) 100 (7) 7 (9) 9 (i) 100 (ii) (iii) (c) 148 2008
52 (c) 3 1 1 5 5 3 (i) 32,409 115,786 148,195 15,791 14,468 580 24 30,863 33,490 10,707 548 44,745 (ii) 2,305 127,192 288,529 111,372 88,975 4,819 623,192 (iii) 10,533 71,394 75,496 54,297 37,410 477 249,607 2,206 3,309 1,822 1,727 725 10,817 20,606 63,244 249,853 377,134 167,944 127,110 131,923 1,117,208 117,136 3,653 15,269 645 136,703 11,387 6 11,393 444,357 195,114 186,709 19,396 3,888 849,464 6,000 6,000 12,000 2,479 8,106 2,823 2,653 777 614 17,452 563,972 218,260 204,807 28,049 11,310 614 1,027,012 (500,728) 31,593 172,327 139,895 115,800 131,309 90,196 2008 149
52 (c) 3 1 1 5 5 3 (i) 38,401 84,968 123,369 15,327 10,900 403 25 26,655 116,616 991 439 118,046 (ii) 1,838 115,898 256,261 108,397 79,865 3,607 565,866 (iii) 4,350 31,064 32,149 55,065 36,749 471 159,848 698 2,378 2,209 991 303 10,873 17,452 60,614 276,856 292,013 164,892 116,917 99,944 1,011,236 94,075 1,770 764 639 97,248 3,592 12,112 50 15,754 409,691 249,362 98,883 25,226 4,049 787,211 6,000 6,000 12,000 1,533 7,858 2,003 1,437 1,703 348 14,882 508,891 271,102 101,700 32,663 12,391 348 927,095 (448,277) 5,754 190,313 132,229 104,526 99,596 84,141 (i) (ii) 1 1 90 (iii) 150 2008
52 (d) 2008 151
53 (a) 1 65 102 1 12,056 8,048 24,674 16,934 36,795 25,084 35,092 32,547 50,779 36,016 201,415 166,939 324,081 260,586 152 2008
53 (b) 136,633 108,025 0% 100% (c) 368 391 (d) 15 561 447 492 388 424 336 631 495 764 609 2,872 2,275 2008 153
53 (e) 02.16 12 31 2.14 (f) 6 3012 31 (g) 6,859 7,642 (h) 54 55 154 2008
1 6 306 8,429 3,223 1 (3) 4 1 (9) (22) 8,417 3,205 90,153 84,086 1 38 50 90,191 84,136 2005 2008 155
65052818458 1 1 1 8 C 100027 SWIFT BIC CIBKCNBJ 35 27 A 100032 010-65558888 010-65550801 65550802 95558 010-66219988 010-66211770 2 17 14 300042 022-23028880 022-23028800 3 11 9 209 050000 2 46 063000 0311-87884438 0311-87884436 0315-3738508 0315-3738600 4 48 14 336 110014 18 29 116001 5 35 114001 5 11 113006 6 55 125001 024-31510456 024-31510234 0411-82821868 0411-82804126 0412-2211988 0412-2230815 0413-7589324 0413-7587608 0429-2802681 0429-2800885 156
5 26 61 200002 021-23029000 021-23029001 6 70 19 348 210008 14 112 214031 7 72 213003 10 171 225009 3 39 225300 17 258 215006 025-83799181 025-83799000 0510-82707177 0510-82709166 0519-8108833 0519-8107020 0514-7890717 0514-7890526 0523-6215818 0523-6243344 0512-65190307 0512-65198570 7 55 20 88 310002 8 12 325000 7 111 314000 8 289 312000 12 36 315010 0571-87032888 0571-87089180 0577-88858616 0577-88817687 0573-2097693 0573-2093454 0575-5227222 0575-5137782 0574-87733226 0574-87733060 2008 157
8 10 560 230001 0551-2622426 0551-2625750 9 26 12 99 350001 8 81 361004 5 362000 1 81 1 2 351100 0591-87538066 0591-87537066 0592-2389008 0592-2396363 0595-22148612 0595-22148222 0594-2853280 0594-2853260 10 52 11 150 250011 15 22 266071 7 109 255032 6 207 264001 10 2 264200 3 10 272000 0531-86911315 0531-86929194 0532-85022889 0532-85022888 0533-2212123 0533-2212123 0535-6612888 0535-6611032 0631-5313999 0631-5314076 0537-2338888 0573-2338888 11 15 26 450008 0371-65792500 0371-65792900 158
12 16 747 430015 027-85355111 027-85355222 13 11 456 410011 0731-4582177 0731-4582199 14 58 20 233 510613 4 91 528000 23 1093 5 7 518031 11 IEO1 523072 020-87521188 020-87520668 0757-83989999 0757-83981101 0755-25942568 0755-25942028 0769-22667888 0769-22667999 15 12 56 B 400010 023-89037373 023-89037227 16 17 47 610041 028-85258888 028-85258898 17 9 650021 0871-3648555 0871-3648667 18 14 89 710061 029-87820122 029-87817025 2008 159
19 1 9 A 030002 0351-3377040 0351-3377000 20 1 333 16 A 330003 0791-6660109 0791-6660107 21 1 68 010020 0471-6664933 0471-6664933 22 1 36-1 530000 0771-5569881 0771-5569889 23 1 89 2 21 2106 852-25212353 852-28017399 160