1398 2012 2012 2013 4 23 M C 1
2012 2
2013 6 7 9 30 55 8 3
2012................ 5 2012............... 13 2012............................................. 21 2012............................................. 26 2013......................................... 27 2012....... 33 2012................................................... 40 4
2012 2012 2012 2012 2013 3 26 27 2012 2012 5
2012 2012 2012 2,386.91 14.5%1.45% 23.02% 0.85% 295.55% 13.66% 10.62% 2012 314 2 146220 2012 2012 2014 2012 2012 2014 2012 6
103% 89% 2012 2012 2014 80% 80% 39 383 2012 30.5% 21.8%1.5 2 ONE ICBC 2012 (FOVA) 36 7
2012 2012 2012 2012 2012 2012 201231 2012 8
MBA 20122012 2014 2012 2012 2014 20122012 2012 2012 2012 2014 2012 20142012 9
2012 2012 2012 H2012 2012 2012 10
2012 2012 3647 26 6 2011 2012 2014 5 5 9 2011 2011 2011 2012 2013 14 11 5 7 2 2011 2012 3 2011 11
7 2012 2014 11 7 7 20112 2012 2012 2013 12
2012 2012 2012 2013 3 2527 2012 2012 13
2012 2012 2012 7 1923 2012 2 21 3 28 29 2011 2012 2011 2011 2011 2011 2012 2011 2011 2011 2011 2011 2011 2011 2012 2011 14
4 27 6 29 8 30 9 25 10 30 2012 3 2829 2012 2012 2012 2012 2011 2011 2012 2012 2012 2013 2012 2012 2012 2012 2012 20125 2012 124 2012 15
2011 2011 2012 2012 2012 2012 16 2012 16
2012 2012 12 2012 2012 13 20 17
2012 IT 2012 18
2012 2012 2012 3 7 5 3 7 5 2 7 5 2 7 5 3 7 5 3 7 5 1 3 2 2012 7 24 2012 7 2012 19
2012 20
2012 2012 2012 2012 2,386.91 302.46 14.5%2,385.32 302.67 14.5% 0.680.0823.02% 1.45% 2012745.7515.64 0.85% 0.09 295.55%28.63 2.50%201113.66% 10.62% 21
2012 2011 1. 1.1 2,386.91 2,084.45 2,385.32 2,082.65 1.2 23.02% 23.44% 1.3 1.45% 1.44% 1.4 0.68 0.60 2. 2.1 (NIM) 2.66% 2.61% 2.2 20.02% 21.58% 2.2.1 4.4% 39.4% 2.3 29.24% 29.91% 3. 3.1 745.75 730.11 3.2 0.85% 0.94% 3.3 295.55% 266.92% 3.4 2.50% 2.50% 4. 4.1 13.66% 13.17% 4.2 10.62% 10.07% 5,297.20 591.19 12.6% 1 4,178.28 550.64 15.2% 2 1,158.81 68.04 6.2% 20.02% 3 58.28 4.59 7.3% 22
48.43 39.2926.95 1,899.40 203.27 12.0% 1,548.74 141.36 10.0%20350.66 61.91 21.4%29.24% 0.67 2012 2011 1,899.40 203.27 12.0% 1,696.13 1. 1,548.74 141.36 10.0% 1,407.38 (1) 962.40 83.59 9.5% 878.81 632.56 53.13 9.2% 579.43 (2) 586.34 57.77 10.9% 528.57 2. 350.66 61.91 21.4% 288.75 2012 629.81 8.69%60% 337.45 26.24 8.4% 1 325.72 7.40 2.3% 2 11.73 6.07 4.99 23
699.96 61.30 9.6% 22.7% 2012 2011 5,297.20 591.19 12.6% 4,706.01 4,178.28 550.64 15.2% 3,627.64 1,060.64 45.14 4.4% 1,015.50 58.28-4.59-7.3% 62.87 1,899.40 203.27 12.0% 1,696.13 337.45 26.24 8.4% 311.21 26.52 2.08 8.5% 24.44 3,086.87 363.76 13.4% 2,723.11 699.96 61.30 9.6% 638.66 2,386.91 302.46 14.5% 2,084.45 2,385.32 302.67 14.5% 2,082.65 1.59-0.21-11.7% 1.80 2012 88,036.92 10,147.95 13.0% 78,907.79 12.3% 2012 136,429.10 13,816.91 11.3% 24
2012 2011 1. 175,422.17 20,653.49 13.3% 154,768.68 (1) 88,036.92 10,147.95 13.0% 77,888.97 78,907.79 8,672.02 12.3% 70,235.77 (2) 40,838.87 1,679.85 4.3% 39,159.02 2. 164,137.58 18,947.13 13.0% 145,190.45 136,429.10 13,816.91 11.3% 122,612.19 3. 11,284.59 1,706.36 17.8% 9,578.23 20122013 3 26 27 25
2012 2012 2012 233.33 834.56 2013 6 25 AH 10 2.39 2012 12 31 835.59 35%2011 126.47 17.8% 2012 20122013 3 26 27 26
2012 2013 2013 1 2013 2013 2013 12 31 2013 13,360 7,751 3,548 464 1,133 20132012 8 30 2012 11 52012 13.88 1 [2012] 8 2012 7 5 2012 8 1 27
28 2012
29 2012
30 2012
31 2012
32 2012
2012 2012 2012 2007 9 2000 12007 50 2009 1J.P. 1999 PSA 33
M C 2009 12 ICI (Ofgem)(FSA) JCNIBC Holding N.V.NIBC Bank N.V.OneSavings Bank plc Castle Trust Capital plc (IFRS Foundation) 2009 12 1980 1992 1996 2012 5 2009 34
2012 8 (Journal of Econometrics)(Econometric Theory) Ernest S. Liu 12142 14622036 4726 2012 2/3 10/14 5/6 8/9 3/5 1/2 6/7 3/3 12/14 3/3 8/9 6/7 4/5 2/2 7/7 M C 2/3 10/14 5/6 5/7 3/5 3/3 13/14 9/9 4/4 2/2 7/7 1/1 8/8 4/4 4/4 2/2 1/1 6/6 3/3 3/3 1/1 4/4 35
(1) (2) 1. 16 61/3 146220 2. 6 4 36
6 2011 2012 2014 5 5 9 2011 2011 2012 2013 14 11 2011 7 2012 2014 11 2011 2012 6 5 M C 7 2 2011 2012 3 2011 7 7 20112 37
2011 2012 2013 2013 38
2012 5%2012 12 31 M C 39
2012 2012 2012 1 12012 12 31 40