Guangzhou Rural Commercial Bank Co., Ltd. * * 1551 2018 6 30 * 2018 6 30 2018 6 30 (www.grcbank.com) (www.hkexnews.hk) 2018 6 30 * * 155
目錄 公司概況 2 財務數據摘要 4 管理層討論與分析 7 股本變動和股東情況 53 董事 監事和高級管理人員情況 59 重要事項 60 組織架構圖 66 中期財務資料審閱報告 67 釋義 156
1 2 Guangzhou Rural Commercial Bank Co., Ltd. GRCB 9,808,268,539.00 H (1551.HK) 9 248 40 1 510623 www.grcbank.com H 2009 12 9 914401017083429628 B1048H244010001 +8695313 +86(020)28019324 ir@grcbank.com 2
2018 1 2017 2018 1 2 2017500 179 2018 3 3 Baa2 Moody s 2018 4 4 2018 2018 4 5 BBB (S&P) 2018 5 6 2018 6 7 2000 (Forbes Global 2000) 1092 325 2018 6 8 4 2018 6 9 2018 6 10 2018 6 3
6 30 2018 2017 (%) 5,589.18 6,050.96 (461.78) (7.63) 965.95 1,064.71 (98.76) (9.28) 8,175.24 6,241.83 1,933.41 30.98 4,333.37 3,414.66 918.71 26.90 3,391.34 2,639.28 752.06 28.49 3,321.64 2,622.06 699.58 26.68 0.34 0.32 0.02 6.25 2018 6 30 2017 12 31 (%) 753,636.30 735,713.66 17,922.64 2.44 336,034.79 285,701.70 50,333.09 17.62 702,630.71 687,235.94 15,394.77 2.24 493,415.09 488,671.86 4,743.23 0.97 48,542.77 46,044.52 2,498.25 5.43 2,462.82 2,433.20 29.62 1.22 51,005.59 48,477.72 2,527.87 5.21 6 30 2018 2017 (1) 0.91 0.79 0.12 (2) 13.64 12.84 0.80 (3) 2.03 1.68 0.35 (4) 1.84 1.73 0.11 (5) 11.82 17.06 (5.24) (6) 33.64 36.20 (2.56) 4
2018 6 30 2017 12 31 (7) 1.41 1.51 (0.10) (8) 199.78 186.75 13.03 (9) 2.82 2.83 (0.01) 2018 6 30 2017 12 31 (10) 10.46 10.69 (0.23) 10.49 10.72 (0.23) 13.81 12.00 1.81 2018 6 30 2017 12 31 (11) 70.07 60.17 9.90 (1) (2) (3) (4) 5
(5) (6) (7) (8) (9) (10) = * 100% = * 100% = * 100% (11) = * 100% 6
2018 2018 6 30 2017 6 30 (%) 13,839.61 14,943.99 (1,104.38) (7.39) (8,250.43) (8,893.03) 642.60 (7.23) 5,589.18 6,050.96 (461.78) (7.63) 1,061.17 1,170.59 (109.42) (9.35) (95.22) (105.88) 10.66 (10.07) 965.95 1,064.71 (98.76) (9.28) 2,570.85 483.17 2,087.68 432.08 (1,041.12) (1,336.35) 295.23 (22.09) 90.38 (20.66) 111.04 (537.46) 8,175.24 6,241.83 1,933.41 30.98 (2,841.51) (2,339.15) (502.36) 21.48 (1,000.36) (488.02) (512.34) 104.98 (1,010.50) (518.95) (491.55) 94.72 10.14 30.93 (20.79) (67.22) 4,333.37 3,414.66 918.71 26.90 (942.03) (775.38) (166.65) 21.49 3,391.34 2,639.28 752.06 28.49 201843.33 26.90%33.91 28.49% 2018 55.89 4.62 7.63% 68.37% 2018 6 30 2017 6 30 (%) 13,839.61 14,943.99 (1,104.38) (7.39) (8,250.43) (8,893.03) 642.60 (7.23) 5,589.18 6,050.96 (461.78) (7.63) 7
2018 6 306 (%) 2017 6 306 (%) 313,414.03 9,089.81 5.80 267,427.20 7,055.19 5.28 143,132.26 2,844.29 3.97 300,094.35 6,259.17 4.17 24,617.62 404.41 3.29 23,007.77 436.09 3.79 52,806.82 950.33 3.60 38,351.96 674.89 3.52 72,283.64 550.77 1.52 69,067.57 518.65 1.50 606,254.37 13,839.61 4.57 697,948.85 14,943.99 4.28 469,237.06 4,434.39 1.89 442,095.40 4,354.72 1.97 61,341.60 1,219.01 3.97 100,975.65 1,818.03 3.60 20,300.81 290.71 2.86 22,506.15 308.86 2.74 98,728.76 2,291.48 4.64 119,149.90 2,402.14 4.03 1,310.46 14.84 2.26 655.34 9.28 2.83 650,918.69 8,250.43 2.54 685,382.44 8,893.03 2.60 5,589.18 6,050.96 2.03 1.68 1.84 1.73 2018 294.57% 62.54% 352.03% 111.84% 8
1,213.20 821.40 2,034.60 (3,273.80) (141.10) (3,414.90) 30.50 (62.20) (31.70) 254.40 21.10 275.50 24.20 8.00 32.20 (1,751.50) 647.20 (1,104.30) 267.40 (187.70) 79.70 (713.60) 114.60 (599.00) (30.30) 12.10 (18.20) (411.70) 301.00 (110.70) 9.30 (3.70) 5.60 (878.90) 236.30 (642.60) 9
1. 2018138.40 11.04 7.39% (1) 2018 6 30 2017 6 30 (%) (%) 207,614.59 6,269.89 6.04 165,924.05 4,526.77 5.50 97,533.31 2,615.78 5.36 84,092.09 2,255.91 5.37 8,266.13 204.14 4.94 17,411.06 272.51 3.13 313,414.03 9,089.81 5.80 267,427.20 7,055.19 5.28 90.90 20.35 28.84% 525.80% 10
(2) 2018 6 30 2017 6 30 (%) (%) 24,617.62 404.41 3.29 23,007.77 436.09 3.79 52,806.82 950.33 3.60 38,351.96 674.89 3.52 77,424.44 1,354.74 3.50 61,359.73 1,110.98 3.62 20189.50 2.75 40.81% 11
2 201882.50 6.43 7.23% (1) 2018 6 30 2017 6 30 (%) (%) 96,846.35 224.54 0.46 86,025.81 220.96 0.52 105,737.08 1,733.15 3.28 87,368.81 1,527.76 3.53 202,583.43 1,957.69 1.93 173,394.62 1,748.72 2.03 91,653.18 143.61 0.31 83,099.41 128.73 0.31 119,217.59 1,416.69 2.38 126,390.08 1,646.66 2.63 210,870.77 1,560.30 1.48 209,489.49 1,775.39 1.71 55,782.86 916.40 3.29 59,211.29 830.61 2.81 469,237.06 4,434.39 1.89 442,095.40 4,354.72 1.97 201844.34 0.80 1.83% 20181.89% 8 12
(2) 2018 6 30 2017 6 30 (%) (%) 61,341.60 1,219.01 3.97 100,975.65 1,818.03 3.60 20,300.81 290.71 2.86 22,506.15 308.86 2.74 81,642.41 1,509.72 3.70 123,481.80 2,126.89 3.44 201812.19 5.99 32.95% 3. 2018 0.35 2.03% 0.11 1.84% 13
1. 2018 6 30 2017 6 30 (%) 263.80 409.95 (146.15) (35.65) 60.85 61.06 (0.21) (0.34) 205.79 210.58 (4.79) (2.27) 296.66 223.42 73.24 32.78 82.58 127.86 (45.28) (35.41) 53.93 55.40 (1.47) (2.65) 48.68 24.16 24.52 101.49 48.88 58.16 (9.28) (15.96) 1,061.17 1,170.59 (109.42) (9.35) (10.49) (8.31) (2.18) 26.23 (15.99) (13.60) (2.39) 17.57 (68.74) (83.97) 15.23 (18.14) (95.22) (105.88) 10.66 (10.07) 965.95 1,064.71 (98.76) (9.28) 2018 9.66 0.99 9.28% 14
2. 201825.71 20.88 3. 2018 10.41 10.43 4. 20180.90 0.74 201828.42 5.02 21.48% 2018 6 30 2017 6 30 (%) 1,810.23 1,369.26 440.97 32.20 91.71 79.63 12.08 15.17 265.45 250.13 15.32 6.12 674.12 640.13 33.99 5.31 2,841.51 2,339.15 502.36 21.48 15
1. 20182017 63.71% 58.54% 2018 6 30 2017 6 30 (%) 1,326.31 907.97 418.34 46.07 238.55 227.50 11.05 4.86 245.37 233.79 11.58 4.95 1,810.23 1,369.26 440.97 32.20 2018 18.10 4.41 32.20% 2. 2018 0.92 0.12 15.17% 3. 2018 2.65 0.15 6.12% 4. 2018 6.74 0.34 5.31% 16
2018 6 30 2017 6 30 (%) 1,010.50 518.95 491.55 94.72 (10.14) (30.93) 20.79 (67.22) 1,000.36 488.02 512.34 104.98 201810.00 5.12 104.98% 10.11 4.92 94.72% 20189.42 1.67 21.74% 17
2018 6 30 (%) 2017 12 31 (%) 345,733.94 45.88 294,013.27 39.96 (9,699.15) (1.29) (8,311.57) (1.13) 336,034.79 44.59 285,701.70 38.83 142,411.07 18.90 219,698.88 29.86 82,431.91 10.94 103,767.44 14.10 104,111.07 13.81 15,270.18 2.08 10,624.96 1.41 14,443.63 1.96 14,429.97 1.91 6,606.54 0.90 49,913.99 6.62 76,393.40 10.38 13,678.54 1.82 13,831.89 1.88 753,636.30 100.00 735,713.66 100.00 (1) (2) 18
2018 6 30 7,536.36 179.23 2.44% 517.21 17.59% 772.88 35.18%I9 213.36 20.56% 1.5 40.05 19.02% 264.79 34.66% [2017]302 1. 2018 6 30 (%) 2017 12 31 (%) 232,688.70 67.30 192,541.48 65.49 101,605.06 29.39 96,252.40 32.74 11,440.18 3.31 5,219.39 1.77 345,733.94 100.00 294,013.27 100.00 2018 6 303,457.34 517.21 17.59% 2,326.89 401.47 20.85% 1,016.05 53.53 5.56% 114.40 62.21 119.19% 19
2018 6 30 (%) 2017 12 31 (%) 232,688.70 67.30 192,541.48 65.49 115,328.95 33.36 95,708.77 32.56 105,629.52 30.55 84,329.87 28.68 11,526.77 3.33 12,301.68 4.18 203.46 0.06 201.16 0.07 101,605.06 29.39 96,252.40 32.74 50,320.69 14.56 46,828.07 15.93 28,256.04 8.17 26,356.02 8.96 14,451.48 4.18 15,043.50 5.12 8,576.85 2.48 8,024.81 2.73 11,440.18 3.31 5,219.39 1.77 6,469.62 1.87 219.15 0.07 4,970.56 1.44 5,000.24 1.70 345,733.94 100.00 294,013.27 100.00 2018 6 30 1,153.29 1,056.30 115.27 49.56% 45.40% 4.95% 196.20 213.0020.50% 25.26% 2018 6 30 503.21 282.56 144.51 85.77 49.53% 27.81% 14.22% 8.44% 34.93 19.007.46% 7.21% 2018 6 30 64.70 49.71 62.50 20
2018 6 30 (%) 2017 12 31 (%) 205,415.91 59.41 179,578.26 61.07 31,954.63 9.24 23,102.30 7.86 80,859.46 23.39 65,060.99 22.13 27,503.94 7.96 26,271.72 8.94 345,733.94 100.00 294,013.27 100.00 2018 06 30 258.38 88.52 157.98 12.3214.39% 38.32% 24.28% 4.69% 68.66% 2. 2018 6 30 (%) 2017 12 31 (%) 104,111.07 42.23 15,270.18 6.50 50,427.76 20.46 91,983.31 37.31 68,876.56 29.32 59,902.99 25.49 90,919.33 38.69 246,522.14 100.00 234,969.06 100.00 2018 6 302,465.22 115.53 4.92% 21
2018 6 30 (%) 2017 12 31 (%) 493,415.09 70.22 488,671.86 71.11 62,107.88 8.84 43,470.17 6.33 3,424.25 0.49 3,572.43 0.52 14,328.25 2.04 23,829.47 3.47 96,922.49 13.79 101,383.78 14.75 (1) 32,432.75 4.62 26,308.23 3.82 702,630.71 100.00 687,235.94 100.00 (1) 2018 6 30 7,026.31 153.95 2.24% 47.43 0.97% 1. 2018 6 30 (%) 2017 12 31 (%) (1) 112,199.06 22.74 100,321.44 20.53 106,232.98 21.53 119,803.15 24.52 218,432.04 44.27 220,124.59 45.05 127,987.66 25.94 119,845.95 24.52 95,069.97 19.27 92,918.34 19.01 223,057.63 45.21 212,764.29 43.53 12,318.89 2.50 11,443.91 2.34 (2) 39,606.53 8.02 44,339.07 9.07 493,415.09 100.00 488,671.86 100.00 22
(1) (2) 2018 6 304,934.15 47.43 0.97% 45.21% 102.93 4.84% 44.27% 16.93 0.77% 40.80% 2.73 48.68% 3.62 2018 6 30 (%) 2017 6 30 (%) 9,808.27 19.23 9,592.42 21.63 10,591.97 20.77 9,719.66 21.92 3,777.43 7.41 3,200.15 7.22 8,728.46 17.11 8,020.43 18.08 175.33 0.34 (1,499.02) (3.38) 46.98 0.09 42.78 0.09 15,414.33 30.22 13,302.82 30.00 2,462.82 4.83 1,970.20 4.44 51,005.59 100.00 44,349.44 100.00 2018 6 30 98.08 105.92 2.16 8.72 23
1. 2018 6 30 2017 12 31 2016 12 31 (%) 10% 4.25 5.19 6.31 (%) 15% 8.14 8.44 8.34 2. 2018 6 30 (%) (%) A 2,833.57 0.82 4.25 B 2,800.00 0.81 4.20 C 2,649.99 0.77 3.97 D 2,400.00 0.70 3.60 E 2,314.11 0.67 3.47 F 2,200.00 0.64 3.30 G 2,019.56 0.59 3.03 H 1,999.80 0.58 3.00 I 1,898.00 0.55 2.84 J 1,830.00 0.53 2.74 24
2018 6 30 (%) 2017 12 31 (%) 330,988.32 95.73 282,466.61 96.07 9,861.26 2.85 7,096.03 2.41 799.32 0.23 1,019.55 0.35 2,676.86 0.77 2,555.04 0.87 1,408.18 0.41 876.04 0.30 345,733.94 100.00 294,013.27 100.00 (1) 1.41 1.51 (1) 2018 2018 6 30 1.41% 0.1 25
2018 6 30 (%) (%) 2017 12 31 (%) (%) 1,048.38 34.08 2.99 995.95 38.15 3.39 416.53 13.54 1.60 170.48 6.53 0.78 360.65 11.72 0.89 330.05 12.64 1.10 183.00 5.95 0.33 6.63 0.25 0.01 149.04 4.85 1.85 131.23 5.03 2.52 106.88 3.47 0.88 117.10 4.49 1.23 20.52 0.67 0.14 72.26 2.77 0.71 15.99 0.52 0.20 20.83 0.80 0.27 11.32 0.37 0.33 11.49 0.44 0.37 10.34 0.34 0.50 4.52 0.17 0.20 753.55 24.49 5.05 749.77 28.73 11.21 3,076.20 100.00 1.32 2,610.31 100.00 1.36 (1) 2018 26
2018 6 30 (%) (%) 2017 12 31 (%) (1) (%) 3,076.20 100.00 1.32 2,610.30 100.00 1.36 1,808.16 100.00 1.78 1,840.34 100.00 1.91 139.83 7.73 0.28 129.45 7.03 0.28 1,182.48 65.40 4.18 1,246.16 67.71 4.73 146.47 8.10 1.01 135.07 7.34 0.90 339.38 18.77 3.96 329.66 17.92 4.11 4,884.36 1.41 4,450.64 1.51 (1) 2018 6 30 1.32% 0.04 1.78% 0.13 27
2018 6 30 (%) 2017 12 31 (%) 337,864.44 97.72 288,048.28 97.97 7,869.51 2.28 5,964.99 2.03 3 3,347.10 0.97 1,800.55 0.61 31 1,189.69 0.34 783.23 0.27 1 3 2,399.44 0.69 2,424.32 0.82 3 933.27 0.28 956.89 0.33 345,733.94 100.00 294,013.27 100.00 3 4,522.40 1.31 4,164.44 1.42 2018 6 3078.70 19.05 2.28% 0.25 2018 6 30 (%) 2017 12 31 (%) 3,301.82 0.96 3,478.00 1.18 2018 6 30 3,302176 28
2018 6 30 2017 12 31 10.46 10.69 10.49 10.72 13.81 12.00 9,808.27 9,808.27 10,591.97 10,581.74 3,777.43 3,777.43 8,728.46 8,718.22 15,414.33 15,114.41 1,137.00 991.18 222.31 (1,955.55) 49,679.77 47,035.70 (382.22) (382.22) (180.35) (208.07) 49,117.20 46,445.41 142.09 132.16 49,259.29 46,577.57 14,095.41 4,096.65 1,184.39 1,144.23 287.69 328.66 64,826.78 52,147.11 469,431.79 434,513.31 29
2018 6 30 13.81%1.81 648.27126.80 24.32% 100 I94,694.32 349.18 8.04% 2018 6 30 2018 6 30 49,259.29 788,700.35 (%) 6.25 2018 6 30 (%) 2017 6 30 (%) 4,409.79 53.94 3,238.77 51.89 3,209.43 39.26 2,432.62 38.97 539.99 6.60 533.56 8.55 16.03 0.20 36.88 0.59 8,175.24 100.00 6,241.83 100.00 30
2018 6 30 87.74 172.37 13.97 842.09 131.56 2018 6 3038 40 31
2018 26.6016% 61% 32% 2018 6 30 2309.59 51% 2018 2018 6 30 2,326.89 401.47 20.85% 20181211848 24.9% 2018 567 32
2018 2018 6 302,210.5655.81 13.1835.9822.80 2,185.8295.04 2018 4 2018 5 1 2018 6 30577.48111.34 163.38 47.2822.45% 33
2018 6 30 4.464.01 2018 2018 6 30 758.633.1 4.56% 12.009.79 442.99% 16.243.8131.00% 34
2018 6 30 51.64664.57 799.45 151.83 2018 327.460.28 2018 6 30131.12 3.44 34.67% 6 306.40 16.51 72.07% 6,038 3,774.71 38.47% 33.97 8.41 6.80 25.02% 577.33 132.38 29.75%400.85 213.65% 414.10 158.62 62.09% 35
2018 2018 6 4,108.41 5.40 2018 6 1,238.7822.14% 896.34342.44 2018 6 679.61 55.53% 175.53 14.34% 368.73 30.13% 2018 6 27 2018 2018 36
2018 6 3012456 994.1288.19% 2018 6 30 13 [2009]46 [2014]36 37
2018 3.0 1. (1) 2018 (2) 2018 (3) 2018 38
(4) 2018 (5) 2018 (6) 2018 2. 39
13 2018 pos 40
2018 6 30627 618 23% 54 2018 6 30 179 24 3,139 5:1 2,298 841 (1) e 2018 6 30 61 2018 6 30 97.24 1063% (2) 2018 6 30 3441.23 2018 6 30 575.38 29.00% 1,369.60 55.00%6.77 31.41 41
(3) 2018 1 61.53 1,124.33 30.00% 60.00% (4) + 2018 6 30 13 2018 6 30 5.2048% (5) 2018 6 30 182 2018 6 30 271.30 4.00% 1,411.39 8.00% 2018 6 302.4 2018 6 3067 14.50% 3779.54 31.00% 42
(6) 2018 6 30 56VTM STM 2018 9.85 (7) 2018 6 30 8002018 6 30 112.00 (8) 2018 6 30 2018400053.20 (9) POS ATM POS 2018 6 30 1.5 2018 6 302517 (10) 2018 6 302106 116 43
2018 6 30 25 438.07 358.52 239.45 2014 12 10 2017 12 6 2018 6 3075.8460.89 14.43 2018 2018 44
APP DDOS IPS 201811 22 2.0 APP IC 45
2018 6 306,6794,540 67.97% 2018 E-learning 2018 2372.2 46
2018 2018 47
2018 2018 48
2018 2018 2018 49
2018 IFRS9 (RWA) 2018 2017A 12 1600 50
51
2018 2018 52
% 2017 12 31 2018 6 30 (%) (%) 9,808,268,539 100.00 9,808,268,539 100.00 5,585,559,888 56.95 5,585,559,888 56.95 1,796,589,712 18.32 101,500 1,796,691,212 18.32 2,402,373,651 24.49 2,402,373,651 24.49 370,438,208 3.78 370,438,208 3.78 1,820,335,000 18.56 1,820,335,000 18.56 1. 29157H101 2. 15 3. 101,500 2018 6 3098.0879.88 18.20 72055.8656.95% 15 17.9718.32% 28,43724.02 24.49% 53
41.57% 5% 3.73% 3.45% 3.26% (%) 1 H 1,819,960,000 18.55 2 366,099,589 3.73 3 338,185,193 3.45 4 319,880,672 3.26 5 310,728,411 3.17 6 250,000,000 2.55 7 191,749,019 1.95 8 180,000,000 1.84 9 160,020,000 1.63 10 140,010,000 1.43 4,076,632,884 41.56 1. 1,819,960,000 H 18.55% 54
2018 6 305,6873.703.78% 1. 2006 62.20 3.73% 2. 1979 7.20 3.45% 3. 2001 20.00 3.26% 55
2018 6 30 XV2 3 336 (1) 1,796,691,212 18.32% 22.49% H 295,229,000 3.01% 16.22% (2) H 200,991,000 2.05% 11.04% Guangzhou HongHui Investment Co., Ltd. (2) H 200,991,000 2.05% 11.04% (3) H 294,530,203 3.00% 16.18% Good Prospect Corporation Limited (3) H 294,530,203 3.00% 16.18% (4) H 294,554,000 3.00% 16.18% East Lake Technology Limited (4) H 294,554,000 3.00% 16.18% (5) H 220,517,797 2.25% 12.11% NICE CITY ENTERPRISE LIMITED (5) H 220,517,797 2.25% 12.11% Lead Straight Limited (6) H 195,229,000 1.99% 10.72% Grandbuy International Trade (HK) Limited (6) H 195,229,000 1.99% 10.72% (6) H 195,229,000 1.99% 10.72% Guang Rong Finance Company Limited (7) H 104,347,000 1.06% 5.73% GuangZhou Finance Holdings (HK) Co., Ltd. (7) H 104,347,000 1.06% 5.73% GuangZhou Finance Holdings Group Co., Ltd. (7) H 104,347,000 1.06% 5.73% 56
(1) 1,796,691,212366,099,589 338,185,193 319,880,672 310,728,411 191,749,019 137,283,914 45,312,844 33,405,75218,304,522 9,152,2617,052,469 10,000,000 9,152,261282,805 101,500 88.23% 7.65% 4.12% 75% 57
(2) Guangzhou HongHe Investment Co., Ltd. 90% Guangzhou HongHe Investment Co., Ltd. Guangzhou HongHui Investment Co., Ltd. 200,991,000 (3) Good Prospect Corporation Limited 294,530,203 (4) East Lake Technology Limited 294,554,000 (5) NICE CITY ENTERPRISE LIMITED 220,517,797 (6) Grandbuy International Trade (HK) Limited, Grandbuy International Trade (HK) LimitedLead Straight Limited Grandbuy International Trade (HK) Limited Co., Ltd. 195,229,000 (7) GuangZhou Finance Holdings Group Co., Ltd.Guangzhou Finance Holdings (HK) Co., Ltd. 62.49% Guangzhou Finance Holdings (HK) Co., Ltd.Guang Rong Finance Company Limited GuangZhou Finance Holdings Group Co., Ltd. Guangzhou Finance Holdings (HK) Co., Ltd. 104,347,000 2018 6 30 336 5% 5% 1518.32% 1,796,691,212 2018 6 30 50% 58
2018 6 30 142 7 5 2018 6 30 713 3 2018 1 312018 2 1 2018 6 19 2018 6 19 2018 1 31 2018 1 16 2018 1 12018 6 30 59
2018 6 30 20172018 6 14H 2017 2018 7 13 0.20 19.6220182017 26.61 0.77% 2018 6 30 109,565,151.67 60
2018 6 30 XV XV 7 8 352 500,000 0.005% 0.006% 500,000 0.005% 0.006% (1) 60,020,000 0.612% 0.751% 1,201,000 0.012% 0.015% 405,800 0.004% 0.005% (2) 14,060,000 0.143% 0.176% 11,067,400 0.113% 0.139% (3) 49,010,000 0.500% 0.689% (4) 20,000,000 0.204% 0.250% (5) 10,010,000 0.102% 0.125% 1,201,000 0.012% 0.015% (6) 5,000,000 0.051% 0.063% 1,201,000 0.012% 0.015% 1,201,000 0.012% 0.015% 2,407,000 0.025% 0.030% (7) 42,010,000 0.428% 0.526% 61
(1) 30,010,00020,000,00010,010,000 87.14% (2) 65% (3) (4) 99% (5) 5,010,000 99% 5,000,000 90% (6) 84% (7) 45.4% 62
(8) 15,000,000 10.00% (9) 13,500,000 9.00% (9) 7,500,000 5.00% (9) 12,000,000 2.90% (10) 6,500,000 4.33% (8) 10.00% 65% (9) 2.90% 5.00%9.00% 99% (10) 4.33% 45.4% 2018 6 30 XV 352 63
35%2018 5 16 2018 3 23 2018 100 105 100 2018 7 20 H H20% 2018 9 6 A2018 9 6 20182018H (1) (2)(3) 2018 8 22 64
2018 8 222018 12 31 2018 9 62018 2018 8 22 2018 6 30 2018 6 30 65
66
1 22 68 155 2018 6 30 3434 34 2410 34 2018 8 24 67
2018 6 30 6 30 2018 2017 6 13,839,611 14,943,986 6 (8,250,428) (8,893,025) 6 5,589,183 6,050,961 7 1,061,170 1,170,594 7 (95,225) (105,881) 7 965,945 1,064,713 8 2,570,849 483,169 9 (1,041,123) (1,336,357) 10 90,385 (20,660) 8,175,239 6,241,826 11 (2,841,512) (2,339,150) 12 (1,000,360) (488,016) 4,333,367 3,414,660 13 (942,030) (775,379) 3,391,337 2,639,281 3,321,637 2,622,063 69,700 17,218 15 0.34 0.32 68
2018 6 30 6 30 2018 2017 3,391,337 2,639,281 34 (21,186) 8,964 34 1,499,912 34 (785,195) 1,478,726 (776,231) 4,870,063 1,863,050 4,800,363 1,845,832 69,700 17,218 4,870,063 1,863,050 69
2018 6 30 2018 6 30 2017 12 31 16 82,431,913 103,767,440 17 10,624,963 14,443,630 18 14,429,974 6,606,541 19 104,111,073 15,270,181 20 49,913,994 76,393,395 21 336,034,793 285,701,697 22 142,411,069 219,698,877 23 2,470,902 2,012,502 382,216 382,216 24 3,381,422 3,634,745 25 7,443,984 7,802,436 753,636,303 735,713,660 2,046,982 1,130,600 26 62,107,879 43,470,165 27 3,424,247 3,572,433 28 14,328,247 23,829,470 29 493,415,094 488,671,856 368,706 563,686 30 96,922,489 101,383,777 31 30,017,067 24,613,954 702,630,711 687,235,941 32 9,808,269 9,808,269 33 23,320,173 21,121,839 15,414,325 15,114,407 48,542,767 46,044,515 2,462,825 2,433,204 51,005,592 48,477,719 753,636,303 735,713,660 2018 8 24 70
2018 6 30 2017 12 31 9,808,269 10,581,739 3,777,432 8,718,218 (2,023,717) 68,167 21,121,839 15,114,407 46,044,515 2,433,204 48,477,719 9 4.2 699,135 699,135 (1,049,825) (350,690) (95,932) (446,622) 2018 1 1 9,808,269 10,581,739 3,777,432 8,718,218 (1,324,582) 68,167 21,820,974 14,064,582 45,693,825 2,337,272 48,031,097 3,321,637 3,321,637 69,700 3,391,337 1,499,912 1,499,912 1,499,912 1,499,912 (21,186) (21,186) (21,186) (21,186) 1,499,912 (21,186) 1,478,726 3,321,637 4,800,363 69,700 4,870,063 130,000 130,000 31 10,233 10,233 10,233 10,233 10,240 10,240 (10,240) 14 (1,961,654) (1,961,654) (74,147) (2,035,801) 2018 6 30 9,808,269 10,591,972 3,777,432 8,728,458 175,330 46,981 23,320,173 15,414,325 48,542,767 2,462,825 51,005,592 71
2018 6 30 2017 1 1 8,153,419 4,839,809 3,200,146 8,020,433 (713,828) 33,817 15,380,377 12,311,444 35,845,240 1,994,463 37,839,703 2,622,063 2,622,063 17,218 2,639,281 (785,195) (785,195) (785,195) (785,195) 8,964 8,964 8,964 8,964 (785,195) 8,964 (776,231) 2,622,063 1,845,832 17,218 1,863,050 1,439,000 4,879,851 4,879,851 6,318,851 6,318,851 14 (1,630,684) (1,630,684) (41,484) (1,672,168) 2017 6 30 9,592,419 9,719,660 3,200,146 8,020,433 (1,499,023) 42,781 19,483,997 13,302,823 42,379,239 1,970,197 44,349,436 72
2018 6 30 2017 1 1 8,153,419 4,839,809 3,200,146 8,020,433 (713,828) 33,817 15,380,377 12,311,444 35,845,240 1,994,463 37,839,703 5,708,718 5,708,718 182,273 5,890,991 (1,309,889) (1,309,889) (1,309,889) (1,309,889) 34,350 34,350 34,350 34,350 (1,309,889) 34,350 (1,275,539) 5,708,718 4,433,179 182,273 4,615,452 1,654,850 5,600,957 5,600,957 7,255,807 7,255,807 (32,199) (32,199) (32,199) (31,601) (63,800) 329,553 329,553 173,172 173,172 173,172 173,172 (i) 577,286 577,286 (577,286) (ii) 697,785 697,785 (697,785) (1,630,684) (1,630,684) (41,484) (1,672,168) 2017 12 31 9,808,269 10,581,739 3,777,432 8,718,218 (2,023,717) 68,167 21,121,839 15,114,407 46,044,515 2,433,204 48,477,719 (i) 40,200 (ii) 88,517 73
2018 6 30 6 30 2018 2017 4,333,367 3,414,660 11 265,446 250,134 11,233 13,377 8 (2,570,849) (483,169) (2,844,287) (6,259,171) 12 1,000,360 488,016 (116,247) 93,061 2,291,479 2,402,143 21 (84,305) (37,996) 9 1,041,123 1,336,357 10 (2,372) 1,130 3,324,948 1,218,542 7,751,548 (6,034,473) (1,282,343) 4,325,357 (4,859,060) (4,903,225) (598,052) (10,815,211) (51,355,303) (30,160,853) (989,599) (379,550) (51,332,809) (47,967,955) 916,382 767,000 18,637,714 (7,870,438) (168,010) 1,645,564 (9,501,223) (31,205,194) 4,721,270 17,164,920 2,641,960 (1,403,702) 17,248,093 (20,901,850) (30,759,768) (67,651,263) (1,237,209) (1,580,102) (31,996,977) (69,231,365) 74
2018 6 30 6 30 2018 2017 (1,881,217) (253,359) 4,690 449 (86,555,234) (169,419,222) 78,853,042 146,222,913 5,032,545 4,601,742 (4,546,174) (18,847,477) 6,318,851 130,000 82,844 73,808 37,050,071 114,244,101 (41,566,668) (80,486,396) (1,976,220) (1,704,666) (1,630,684) (11,262) (41,484) (6,291,235) 36,773,530 (42,834,386) (51,305,312) 109,247,230 106,196,081 19,990 (124,398) 35 66,432,834 54,766,371 9,828,347 8,591,401 (5,618,768) (6,762,399) 75
2018 6 30 1. 1952 [2009]4842009 12 9 B1048H244010001 914401017083429628 9 2017 6 20 2018 6 3027 25 2018 6 30 76
2018 6 30 1. 60,000 51.00% 51.00% 50,000 51.00% 51.00% 100,000 51.00% 51.00% 50,000 51.00% 51.00% 80,000 51.00% 51.00% 70,000 51.00% 51.00% 60,000 35.00% (i) 51.00% 50,000 35.00% (i) 51.00% 100,000 35.00% (i) 53.00% 100,000 35.00% (i) 51.00% 100,000 35.00% (i) 56.00% 87,820 33.79% (i) 57.19% 150,000 34.00% (i) 71.00% 100,000 51.00% 51.00% 414,200 39.60% (i) 54.13% 100,000 93.00% 100.00% 60,000 35.00% (i) 51.00% 100,000 35.00% (i) 51.00% 150,000 51.00% 51.00% 200,000 33.40% (ii) 50.50% 150,000 35.00% (ii) 35.00% 50,000 34.00% (i) 100.00% 300,000 35.00% (i) 83.00% 150,000 35.00% (i) 100.00% 200,000 35.00% (i) 90% 600,000 51.00% 61.00% 1,000,000 100.00% 100.00% 77
2018 6 30 1. (i) (ii) 2. 2018 6 3034 34 2017 12 31 2017 12 31 2.1 2018 2018 1 1 40 2 4 9 15 22 2014 20162016 12 28 40 78
2018 6 30 2. 2.1 2018 2 2 4 4 17 9 9 9 2014 7 9 39 9 79
2018 6 30 2. 2.1 2018 9 9 392018 1 1 9 9 9 2018 1 1 9 4 15 1511 18 15 80
2018 6 30 2. 2.1 2018 22 20142016 20142016 2016 12 28 2.2 2018 16 2019 1 1 9 2019 1 1 19 2019 1 1 28 2019 1 1 2019 1 1 23 20152017 2019 1 1 17 2021 1 1 10 28 3. 942(a) 2017 12 31 81
2018 6 30 4. 4.1 39 9 392018 1 19 39 9 103,767,440 (16,977) 103,750,463 14,443,630 (3,223) 14,440,407 6,606,541 (1,180) 6,605,361 76,393,395 (12,759) 76,380,636 285,701,697 (277,110) 285,424,587 (4,927,972) 4,927,972 90,919,325 (90,919,325) (38,269,604) (17,542,307) (35,107,414) 68,876,564 (68,876,564) (35,052,601) (584,413) (33,239,550) 59,902,988 (59,902,988) (59,902,988) L&R AFS HTM AC FVPL FVOCI ECL N/A 82
2018 6 30 4. 4.1 39 9 39 9 98,172,592 (374,116) 97,798,476 59,902,988 (23,466) 38,269,604 (350,650) 53,179,321 (282,272) 473,523 53,370,572 35,637,014 (1,976) 1,976 17,542,307 (280,296) 471,547 15,270,181 68,398,986 211,605 83,880,772 52,022 12,725 33,239,550 35,107,414 198,880 13,831,899 (52,022) 238,615 (120,016) 13,898,476 3,634,745 268,890 (120,016) 3,783,619 735,713,660 (729,022) 565,112 735,549,750 83
2018 6 30 4. 4.1 39 9 39 9 (1,130,600) (1,130,600) (43,470,165) (43,470,165) (3,572,433) (3,572,433) (23,829,470) (23,829,470) (488,671,856) (488,671,856) (101,383,777) (101,383,777) (25,177,640) (282,712) (25,460,352) (687,235,941) (282,712) (687,518,653) 84
2018 6 30 4. 4.2 39 9 392017 12 319 2018 1 1 2017 12 31 39 37 2018 1 1 9 39 9 16,977 16,977 3,223 3,223 1,180 1,180 12,759 12,759 8,261,438 277,110 8,538,548 112,836 350,650 463,486 39 9 10,101 23,466 33,567 39 9 207,759 294,870 502,629 50,138 (14,574) 35,564 39 9 1,976 1,976 39 9 105,602 (105,602) (i) 282,712 282,712 672,100 (127,227) 30,275 575,148 9,419,974 (232,829) 1,280,624 10,467,769 (i) 85
2018 6 30 5. (a) 86
2018 6 30 5. (a) 2018 6 30 6,231,357 2,574,490 5,033,764 13,839,611 (2,477,368) (1,841,292) (3,931,768) (8,250,428) 90,959 2,080,733 (2,171,692) 3,844,948 2,813,931 (1,069,696) 5,589,183 552,609 422,685 85,876 1,061,170 (63,119) (26,211) (5,895) (95,225) 489,490 396,474 79,981 965,945 2,570,849 2,570,849 (1,041,123) (1,041,123) 75,355 (978) (24) 16,032 90,385 4,409,793 3,209,427 539,987 16,032 8,175,239 (889,140) (1,672,506) (246,988) (32,878) (2,841,512) (865,586) (319,849) 185,973 (898) (1,000,360) 2,655,067 1,217,072 478,972 (17,744) 4,333,367 (942,030) 3,391,337 83,377 172,965 5,389 14,948 276,679 590,890 1,225,801 38,189 26,337 1,881,217 2018 6 30 235,239,458 104,450,454 410,841,464 3,104,927 753,636,303 (274,669,733) 254,085,545 (180,756,818) (2,118,615) (702,630,711) 103,574,633 21,197,369 124,772,002 87
2018 6 30 5. (a) 2017 6 30 4,478,151 2,190,739 8,275,096 14,943,986 (2,240,955) (2,058,987) (4,593,083) (8,893,025) 476,772 1,937,147 (2,413,919) 2,713,968 2,068,899 1,268,094 6,050,961 645,191 388,846 136,557 1,170,594 (66,988) (25,401) (13,492) (105,881) 578,203 363,445 123,065 1,064,713 483,169 483,169 (1,337,887) 1,530 (1,336,357) (53,402) 270 (2,879) 35,351 (20,660) 3,238,769 2,432,614 533,562 36,881 6,241,826 (650,496) (1,298,577) (323,639) (66,438) (2,339,150) (299,556) (219,390) 30,930 (488,016) 2,288,717 914,647 240,853 (29,557) 3,414,660 (775,379) 2,639,281 68,435 155,088 17,956 22,032 263,511 69,318 157,088 18,187 8,766 253,359 2017 6 30 178,780,422 88,825,394 409,177,356 3,265,854 680,049,026 (233,122,940) (226,616,509) (175,861,009) (99,132) (635,699,590) 91,304,037 18,882,163 110,186,200 88
2018 6 30 5. (b) 6. 6 30 2018 2017 9,089,811 7,055,191 6,269,897 4,526,772 2,615,779 2,255,910 204,135 272,509 950,327 674,894 2,844,287 6,259,171 550,773 518,637 404,413 436,093 13,839,611 14,943,986 (4,434,388) (4,354,719) (290,708) (308,860) (981,184) (1,656,538) (2,291,479) (2,402,143) (i) (237,825) (161,492) (14,844) (9,273) (8,250,428) (8,893,025) 5,589,183 6,050,961 84,305 37,996 3,534,412 5,039,311 10,305,199 9,904,675 13,839,611 14,943,986 (i) 89
2018 6 30 7. 6 30 2018 2017 296,663 223,422 263,802 409,952 205,792 210,580 82,576 127,862 60,853 61,058 53,928 55,401 48,680 24,162 48,876 58,157 1,061,170 1,170,594 (10,490) (8,309) (15,994) (13,600) (68,741) (83,972) (95,225) (105,881) 965,945 1,064,713 8. 6 30 2018 2017 1,201,080 48,188 1,083,090 214,737 2,284,170 262,925 272,858 205,589 13,821 14,655 286,679 220,244 2,570,849 483,169 90
2018 6 30 9. 6 30 2018 2017 (1,043,391) (1,337,887) 2,268 1,530 (1,041,123) (1,336,357) 10. 6 30 2018 2017 2,372 (1,130) (3,672) (33,273) 73,860 (53,136) 4,413 4,467 14,828 44,556 2,662 1,298 (1,123) (3,460) (2,955) 20,018 90,385 (20,660) 91
2018 6 30 11. 6 30 2018 2017 1,326,307 907,969 53,723 54,653 89,881 91,775 94,945 81,078 31,157 35,838 62,753 28,074 148,526 167,294 2,939 2,580 1,810,231 1,369,261 531,212 497,302 91,709 79,630 265,446 250,134 142,914 142,823 2,841,512 2,339,150 92
2018 6 30 12. 2018 6 30 987,210 23,293 1,010,503 (94,830) (44,878) 870,795 100,153 29,412 1,000,360 2017 6 30 518,946 26,482 (61,640) (3,413) 7,641 488,016 93
2018 6 30 13. (a) 6 30 2018 2017 1,039,804 593,468 (97,774) 181,911 942,030 775,379 (b) 20172018 6 30 6 30 2018 2017 4,333,367 3,414,660 1,083,342 853,665 26,728 27,799 (i) (166,007) (117,378) (2,033) 15,094 (3,801) 942,030 775,379 (i) 14. 6 30 2018 2017 1,961,654 1,630,684 0.20 0.20 94
2018 6 30 15. 6 30 2018 2017 3,321,637 2,622,063 9,808,269 8,240,872 0.34 0.32 2018 6 30 2017 16. 2018 6 30 2017 12 31 2,206,767 2,443,043 (i) 62,735,939 69,854,954 (ii) 16,544,262 29,874,989 956,586 1,594,454 80,236,787 101,324,397 (iii) (11,641) 80,225,146 101,324,397 82,431,913 103,767,440 (i) (ii) (iii) 2018 6 302017 12 31 2018 6 30 12 95
2018 6 30 17. 2018 6 30 2017 12 31 8,770,490 11,109,974 710,448 1,304,771 1,147,122 2,028,885 10,628,060 14,443,630 (i) (3,097) 10,624,963 14,443,630 (i) 2018 6 30 12 18. 2018 6 30 2017 12 31 5,270,809 5,206,541 9,162,000 1,400,000 14,432,809 6,606,541 (i) (2,835) 14,429,974 6,606,541 (i) 2018 6 3012 96
2018 6 30 19. 2018 6 30 2017 12 31 (i) 4,596,430 700,325 8,658,289 5,429,762 11,362,936 481,045 2,197,742 1,076,933 26,815,397 7,688,065 (ii) 77,295,676 7,582,116 104,111,073 15,270,181 (i) (ii) 20. 2018 6 30 2017 12 31 32,395,586 50,949,815 17,527,901 25,443,580 (i) (9,493) 49,913,994 76,393,395 32,250,877 64,032,397 17,672,610 12,360,998 (i) (9,493) 49,913,994 76,393,395 97
2018 6 30 20. 2018 6 30 18,092,403 2017 12 31 20,969,3172018 6 30 2017 12 31 140,057 (i) 2018 6 3012 21. (a) 2018 6 30 2017 12 31 232,688,703 192,541,478 306,853 5,219,393 232,995,556 197,760,871 50,320,692 46,828,065 28,256,038 26,356,022 14,451,482 15,043,496 8,576,847 8,024,819 101,605,059 96,252,402 334,600,615 294,013,273 11,133,328 345,733,943 294,013,273 (9,699,150) (8,311,576) 336,034,793 285,701,697 (58,857) (b) 42(a) 98
2018 6 30 21. (c) 2018 6 30 321,891,730 18,932,953 4,909,260 345,733,943 (3,900,300) (2,034,440) (3,764,410) (9,699,150) 317,991,430 16,898,513 1,144,850 336,034,793 (ii) (i) 2017 12 31 289,562,636 1,637,665 2,812,972 4,450,637 294,013,273 1.51% (5,265,784) (1,284,508) (1,761,284) (3,045,792) (8,311,576) 284,296,852 353,157 1,051,688 1,404,845 285,701,697 (i) (ii) 99
2018 6 30 21. (d) 2018 6 30 2018 1 1 3,260,796 1,841,320 3,436,432 8,538,548 68,765 (218,733) 149,968 124,070 (120,015) (4,055) (47,044) 54,984 (7,940) (8,261) (153,702) 161,963 570,739 411,853 29,516 1,012,108 (24,898) (24,898) (250,278) (250,278) 507,975 507,975 (84,305) (84,305) 2018 6 30 3,900,300 2,034,440 3,764,410 9,699,150 (e) 2018 6 30 2018 1 1 35,564 35,564 (1,844) 1,844 (12,928) 36,221 23,293 2018 6 30 20,792 38,065 58,857 2017 12 31 2017 1 1 1,233,896 6,722,629 7,956,525 690,534 152,293 842,827 (93,157) (118,575) (211,732) (73,997) (14,053) (88,050) (814,270) (475,511) (1,289,781) 799,330 244,443 1,043,773 18,948 39,066 58,014 2017 12 31 1,761,284 6,550,292 8,311,576 100
2018 6 30 22. 2018 6 30 2017 12 31 (a) 50,427,763 (b) 91,983,306 (c) 90,919,325 (d) 59,902,988 (e) 68,876,564 142,411,069 219,698,877 (a) 2018 6 30 2017 12 31 (i) 6,900,689 22,512,617 2,604,309 3,764,746 35,782,361 (ii) 14,645,402 50,427,763 (i) (ii) 101
2018 6 30 22. (b) 2018 6 30 2017 12 31 (i) 23,130,641 33,979,414 2,597,219 3,099,815 62,807,089 29,550,679 92,357,768 (374,462) 91,983,306 (i) 1,218,086 (c) 2018 6 30 2017 12 31 (i) 91,345,523 (426,198) (167,174) (259,024) 90,919,325 (i) 2017 12 31 1 60 102
2018 6 30 22. (c) 2017 1 1 238,104 190,131 428,235 73,095 201,793 274,888 (144,025) (132,900) (276,925) 2017 12 31 167,174 259,024 426,198 (d) 2018 6 30 2017 12 31 (i) 22,497,872 32,908,394 2,206,025 2,300,798 59,913,089 (10,101) 59,902,988 59,339,547 (i) l,207,890 103
2018 6 30 22. (d) 2017 1 1 10,101 2017 12 31 10,101 (e) 2018 6 30 2017 12 31 (i) 4,784,494 23,296,485 5,405,690 3,618,700 37,105,369 (ii) 31,720,041 (iii) 51,154 68,876,564 (i) (ii) (iii) 104
2018 6 30 23. 2017 1 1 3,945,362 255,752 563,358 1,216,196 72,469 6,053,137 88,464 236,801 30,704 71,417 3,014 430,400 105,219 (165,907) 27,819 32,869 95,107 3,875 10,068 668 109,718 (110) (3,264) (61,857) (3,440) (68,671) (4,579) (99,356) (68,948) (172,883) 2017 12 31 2018 1 1 4,229,463 231,165 549,669 1,268,693 72,711 6,351,701 39,204 604,507 6,151 22,606 4 672,472 111,393 (121,574) 7,482 2,699 (2,263) (51,078) (2,700) (56,041) (4,052) (4,052) 2018 6 30 4,377,797 710,046 563,302 1,242,920 70,015 6,964,080 2017 1 1 2,786,179 344,899 831,877 64,833 4,027,788 190,363 71,196 151,752 2,527 415,838 (110) (3,264) (58,463) (3,426) (65,263) (4,530) (34,634) (39,164) 2017 12 31 2018 1 1 2,971,902 378,197 925,166 63,934 4,339,199 103,249 37,978 65,364 1,198 207,789 (2,263) (49,462) (2,085) (53,810) 2018 6 30 3,072,888 416,175 941,068 63,047 4,493,178 2017 12 31 1,257,561 231,165 171,472 343,527 8,777 2,012,502 2018 6 30 1,304,909 710,046 147,127 301,852 6,968 2,470,902 105
2018 6 30 23. 2018 6 30 2017 12 31 50 87,472 170,343 10 50 1,096,057 1,038,213 1,183,529 1,208,556 2018 6 30 121,380 2017 12 31 49,005 2018 6 302017 12 31 106
0 0 0 0 2018 6 30 24. 2018 6 30 208 2017 12 31 211 2018 2017 12 31 9 2018 1 1 2018 6 30 34 2,440,003 268,890 2,708,893 113,880 2,822,773 441,531 441,531 (499,971) (58,440) 674,576 (674,576) 81,607 113,029 194,636 (84,913) 109,723 277,951 277,951 58,247 336,198 26,604 26,604 1,723 28,327 1,173 1,173 1,173 9,751 9,751 (2,426) 7,325 123,291 123,291 11,260 134,551 3,634,956 148,874 3,783,830 97,771 (499,971) 3,381,630 211 211 (3) 208 211 211 (3) 208 107
2018 6 30 24. 2017 2017 1 1 2017 12 31 2,644,509 (204,506) 2,440,003 237,946 436,630 674,576 68,798 12,809 81,607 255,087 22,864 277,951 30,245 (3,641) 26,604 2,355 (1,182) 1,173 9,751 9,751 39,154 84,137 123,291 3,278,094 (89,519) 436,630 9,751 3,634,956 3,319 (3,319) 1,664 (1,453) 211 4,983 (4,772) 211 2018 6 302017 12 31 108
2018 6 30 25. 2018 6 30 2017 12 31 (a) 4,499,187 5,723,067 (b) 179,025 181,371 1,045,481 325,080 606,948 365,002 534,371 (c) 332,494 380,553 (d) 180,351 208,071 167,061 178,364 68,435 201,559 70,000 7,443,984 7,802,436 (a) 2018 6 30 2017 12 31 2,268,308 4,575,296 945,086 827,914 1,295,101 364,484 4,508,495 5,767,694 (9,308) (44,627) 4,499,187 5,723,067 2018 6 30 69,113 2017 12 31 70,418 (b) 2018 6 30 2017 12 31 50 3,974 3,974 10 50 175,051 177,397 179,025 181,371 109
2018 6 30 25. (c) 2018 6 30 2017 12 31 394,182 402,659 155,901 394,182 558,560 (61,688) (178,007) 332,494 380,553 (d) 26. 2018 6 30 2017 12 31 51,656,007 29,981,660 10,451,872 13,488,505 62,107,879 43,470,165 27. 2018 6 30 2017 12 31 2,070,220 1,565,556 200,000 1,354,027 1,806,877 3,424,247 3,572,433 110
2018 6 30 28. 2018 6 30 2017 12 31 13,197,437 23,829,470 1,130,810 14,328,247 23,829,470 14,328,247 23,829,470 29. 2018 6 30 2017 12 31 106,232,986 119,803,153 95,069,967 92,918,339 201,302,953 212,721,492 112,199,060 100,321,436 127,987,658 119,845,949 240,186,718 220,167,385 12,318,886 11,443,908 (i) 39,606,537 44,339,071 493,415,094 488,671,856 (i) 2018 6 30 31,422,505 2017 12 31 33,047,430 111
2018 6 30 30. 2018 6 30 2017 12 31 2014 (a) 4,096,852 4,097,633 2018-01(b) 9,998,561 14,095,413 4,097,633 (c) 82,827,076 97,286,144 96,922,489 101,383,777 (a) 2014 2014 9 11 4110 6.26% 9 15 5 (b) 2018-01 2018 3 23 10010 4.9% 3 23 5 (c) 2018 6 302017 12 3182,827,07697,286,144 4.30% 5.12% 4.20% 5.00% 112
2018 6 30 31. 2018 6 30 2017 12 31 (a) 8,545,808 7,944,259 90,565 90,565 816,368 562,321 (b) 2,139,984 1,875,948 483,791 447,548 15,000 15,000 (c) 72,628 17 (d) 882,855 894,705 283,781 38,569 58,131 36,177 (e) 9,553,620 9,092,320 1,457,875 1,588,916 826,943 653,925 229,825 330,065 387,555 4,690 4,690 4,690 38(c) 382,865 2,026,174 2,146,164 1,038,929 30,017,067 24,613,954 (a) 2018 6 30 2017 12 31 452,934 241,075 7,642,905 7,518,586 (i) 106,294 84,343 6,104 24,226 336,227 74,859 1,344 1,170 8,545,808 7,944,259 (i) 113
2018 6 30 31. (b) 2018 6 30 2017 12 31 1,391,772 1,207,087 6,407 5,387 285 641 399 396 107,009 100,121 15,099 689 (i) 505,685 455,173 113,312 106,419 16 35 2,139,984 1,875,948 (i) 2018 6 30 2017 12 31 1 1 455,173 459,640 (6,000) (23,550) 35,326 53,433 21,186 (34,350) 6 3012 31 505,685 455,173 114
2018 6 30 31. (b) (i) 2018 6 302017 12 31 2018 6 30 2017 12 31 3.70% 4.10% 3.90% 4.35% 0~5% 0~5% 60 60 50/55 50/55 2018 6 302017 12 31 (c) 2018 6 302,204,148 2017 12 31 2,121,3042,131,5202017 12 31 2,121,2872018 6 30306,013 2017 12 31 306,013 1,825,507 2017 12 31 1,815,274 2018 6 30 72,628 2017 12 31 17 (d) (e) 3 36 2017 12 311 36 4.51% 6.05% 2017 12 31 4.80% 6.00% 115
2018 6 30 32. 2018 6 30 2017 12 31 9,808,269 9,808,269 8,153,419 8,153,419 1,654,850 1,654,850 2018 6 30 2017 12 31 9,808,269 9,808,269 9,808,269 9,808,269 33. (a) (b) 10% 50% 25% 2018 6 30 2017 12 31 537,086 (c) 2012 7 12017 1.5% 2018 6 30 2017 12 31 609,268 2018 6 301.5% 2017 12 31 1.5% 116
2018 6 30 33. (d) (e) 34. 6 30 2018 2017 (21,186) 8,964 1,914,202 (85,681) 24 499,971 (1,098,033) (51,106) (261,732) 1,478,726 (776,231) 35. 2018 6 30 2017 12 31 16 2,206,767 2,443,043 16 16,544,262 29,874,989 4,499,419 9,597,207 4,646,383 1,731,294 38,536,003 65,600,697 66,432,834 109,247,230 117
2018 6 30 36. 2018 6 30 2017 12 31 500,448 2,893,829 497,207 2,879,600 2018 6 30 1,050,000 2017 12 31 200,000 2017 12 31 21 2018 6 30 2,418,656 2018 6 30 200,956 2017 12 31 326,275 118
2018 6 30 36. 2018 6 30 1,103,361 37. 2018 6 30 89,634,287 2017 12 31 123,449,770 2018 6 30 82,576 2017 6 30 127,862 2018 6 30 1,000,000 2017 12 31 2018 6 30 3,522,017 36 119
2018 6 30 37. 2018 6 30 2018 6 30 74,003,982 14,645,302 29,194,415 117,843,699 117,843,699 3,090,500 3,090,500 3,090,500 71,010 31,949 161,850 264,809 264,809 77,165,492 14,677,251 29,356,265 121,199,008 121,199,008 2017 12 31 7,582,116 26,610,041 90,919,325 125,111,482 125,111,482 5,110,000 5,110,000 5,110,000 287,407 302,272 276,000 865,679 865,679 7,869,523 32,022,313 90,919,325 276,000 131,087,161 131,087,161 120
2018 6 30 38. (a) 2018 6 30 2017 12 31 107,195 157,963 107,195 157,963 (b) 2018 6 30 2017 12 31 260,451 275,655 648,892 694,576 193,762 210,452 1,103,105 1,180,683 (c) 121
2018 6 30 38. (c) 2018 6 30 2017 12 31 8,773,586 6,517,566 17,236,563 14,924,292 1,396,691 1,636,634 (i) 84,209,269 87,366,353 13,155,893 12,378,172 124,772,002 122,823,017 31 (382,865) (i) (d) 2018 6 30 2017 12 31 18,486,480 16,577,622 0% 100% 122
2018 6 30 38. (e) 2018 6 30127,019 2017 12 31 6,973 (f) 2018 6 30 90,000 2017 12 31 90,000 39. 2018 6 30 2017 12 31 (13,806,797) (21,814,375) 13,806,797 21,814,375 7 40. 2018 6 3018,097,607 2017 12 31 25,633,386 123
2018 6 30 41. (a) 1 (b) (i) 5% 2018 6 30 2017 12 31 846,000 840,000 249,202 250,000 1,646 1,745 118,289 5,029,913 7 5,285 6 30 2018 2017 25,401 28,463 736 17,492 4.35%-7.87% 4.36%-5.23% 0.30%-3.20% 0.30%-0.39% 4.65% 4.65%-5.31% (ii) 124
2018 6 30 41. (b) (iii) 2018 6 30 2017 12 31 6,834,124 6,159,253 10,957 10,367 1,790,631 12,190,259 33,129 38,560 6 30 2018 2017 165,240 152,144 48,137 18,481 4,145 34,661 2.74%-10.00% 2.68%-10.00% 0.01%-4.00% 0.05%-2.94% 125
2018 6 30 41. (c) (i) 2018 6 30 2017 12 31 27,183 35,816 60 63 48,949 221,228 349 447 6 30 2018 2017 649 811 956 1,724 3.25%-9.00% 3.43%-6.00% 0.01%-5.40% 0.01%-5.40% (ii) 6 30 2018 2017 6,763 8,986 126
2018 6 30 42. (a) 127
2018 6 30 42. (a) (1) (2) (3) (4) (5) 128
2018 6 30 42. (a) 12 12 129
2018 6 30 42. (a) 130
2018 6 30 42. (a) 30 131
2018 6 30 42. (a) 9 90 12 9 132
2018 6 30 42. (a) 12 12 12 12 133
2018 6 30 42. (a) 42(a)(ii) 134
2018 6 30 42. (a) (i) 2018 6 30 2017 12 31 80,225,146 101,324,397 10,624,963 14,443,630 14,429,974 6,606,541 104,111,073 15,270,181 49,913,994 76,393,395 336,034,793 285,701,697 50,427,763 91,983,306 90,919,325 59,902,988 68,825,410 5,110,171 6,615,355 742,861,083 726,002,919 124,772,002 122,823,017 867,633,085 848,825,936 135
2018 6 30 42. (a) (ii) 42(a)(v) 42(a)(vi) 2018 6 30 8,074,611 2.34% 5,254,510 1,122,047 0.32% 501,839 26,015,955 7.52% 17,105,845 2,805,955 0.81% 1,887,198 14,700,080 4.25% 9,148,013 12,160,927 3.52% 6,842,429 3,391,608 0.98% 2,439,614 35,024,536 10.13% 21,961,909 7,894,115 2.28% 5,370,570 7,272,973 2.10% 3,229,959 54,630,147 15.80% 40,678,281 40,683,068 11.77% 23,932,851 932,555 0.27% 475,612 4,738,280 1.37% 1,780,137 2,057,881 0.60% 1,328,722 5,520,853 1.60% 4,650,479 2,863,776 0.83% 1,354,469 2,757,760 0.80% 1,702,921 41,576 0.02% 6,479 232,688,703 67.31% 149,651,837 101,605,059 29.38% 78,150,737 11,440,181 3.31% 10,294,890 345,733,943 100.00% 238,097,464 136
2018 6 30 42. (a) (ii) 2017 12 31 5,212,505 1.77% 3,002,433 505,960 0.17% 378,321 21,904,621 7.45% 15,793,194 2,855,931 0.97% 1,907,313 10,219,924 3.48% 5,145,926 9,553,991 3.25% 5,635,975 3,074,292 1.05% 2,413,928 29,360,166 9.99% 18,743,663 7,593,569 2.58% 5,004,016 5,321,100 1.81% 1,761,445 45,968,454 15.61% 33,886,442 30,017,750 10.21% 19,773,008 811,675 0.28% 386,280 7,713,316 2.62% 2,977,013 2,222,934 0.76% 1,428,525 4,697,822 1.60% 3,991,583 2,970,171 1.01% 1,256,806 2,490,316 0.85% 1,863,415 46,981 0.02% 8,350 192,541,478 65.48% 125,357,636 96,252,402 32.74% 73,382,877 5,219,393 1.78% 4,154,015 294,013,273 100.00% 202,894,528 137
2018 6 30 42. (a) (ii) 10% 2018 6 30 54,630,147 182,898 800,875 215,376 281,463 82,416 177,835 40,683,068 360,887 1,036,711 370,802 602,963 243,532 246,984 35,024,536 1,048,386 1,140,877 535,119 252,807 795,396 152,874 2017 12 31 45,968,454 6,626 774,343 1,576 752,278 729,330 10,355 30,017,750 330,045 359,446 233,045 578,068 819,842 34,243 (iii) 2018 6 30 2017 12 31 337,704,104 287,845,596 3,145,474 1,717,040 4,884,365 4,450,637 345,733,943 294,013,273 (9,699,150) (8,311,576) 336,034,793 285,701,697 138
2018 6 30 42. (a) (iii) 2018 6 30 2017 12 31 26,664,682 308,306 26,972,988 25,475,051 303,525 25,778,576 75,848,146 1,921,299 77,769,445 60,585,299 2,280,418 62,865,717 197,107,397 4,172,223 201,279,620 172,865,665 3,271,833 176,137,498 31,269,007 413,044 31,682,051 22,842,702 221,103 23,063,805 330,889,232 6,814,872 337,704,104 281,768,717 6,076,879 287,845,596 2018 6 30 2017 12 31 1,482,213 386,109 1,868,322 746,770 411,652 1,158,422 384,538 219,311 603,849 63,286 186,574 249,860 500,630 169,363 669,993 215,063 92,044 307,107 3,310 3,310 1,651 1,651 2,367,381 778,093 3,145,474 1,025,119 691,921 1,717,040 4,967,012 1,226,106 6,193,118 2,505,014 1,216,733 3,721,747 139
2018 6 30 42. (a) (iii) 2018 6 30 3,587,068 2017 12 31 3,499,265 2018 6 30 3,301,815 2017 12 31 3,477,829 (iv) 2018 6 30 12 321,890,008 9,098,313 330,988,321 9,836,362 24,895 9,861,257 799,320 799,320 2,676,863 2,676,863 1,408,182 1,408,182 321,890,008 18,934,675 4,909,260 345,733,943 140
2018 6 30 42. (a) (v) 2018 6 30 2017 12 31 74,974,863 97,443,566 (5,932) 74,968,931 97,443,566 2018 6 30 2017 12 31 10,628,060 14,443,630 14,432,809 6,606,541 49,913,994 76,393,395 74,974,863 97,443,566 141
2018 6 30 42. (a) (vi) 2018 6 30 2017 12 31 241,550,320 231,439,305 2,916,259 1,519,841 2,430,025 2,395,057 246,896,604 235,354,203 (374,462) (436,299) 246,522,142 234,917,904 2018 6 30 23,130,641 6,900,689 4,596,430 34,627,760 33,979,414 22,512,617 8,658,289 65,150,320 2,597,218 2,604,309 11,362,937 16,564,464 2,949,815 3,764,746 1,993,415 8,707,976 29,265,201 12,855,182 74,379,417 116,499,800 91,922,289 48,637,543 100,990,488 241,550,320 142
2018 6 30 42. (a) (vi) 2017 12 31 22,497,872 4,784,494 700,325 27,982,691 32,908,394 23,296,485 5,429,762 61,634,641 2,206,025 5,405,690 481,045 8,092,760 2,300,798 3,618,700 872,606 6,792,104 30,200,200 7,582,116 37,782,316 89,154,793 89,154,793 89,154,793 59,913,089 67,305,569 15,065,854 231,439,305 2018 6 30 2,916,259 2017 12 31 1,519,841 2018 6 30 150,000 204,327 354,327 285,478 1,790,220 2,075,698 435,478 1,790,220 204,327 2,430,025 143
2018 6 30 42. (a) (vi) 2017 12 31 204,327 204,327 2,190,730 2,190,730 2,190,730 204,327 2,395,057 2018 6 30 AAA 8,208,400 4,245,812 908,292 13,362,504 AA- AA+ 969,578 2,300,275 1,225,820 4,495,673 (i) 53,629,111 29,236,274 24,681,285 107,546,670 62,807,089 35,782,361 26,815,397 125,404,847 2018 6 30 AAA 12,071,692 382,520 12,454,212 AA- AA+ 3,169,922 99,931 3,269,853 (i) 82,451,392 263,993 150,000 82,865,385 97,693,006 746,444 150,000 98,589,450 144
2018 6 30 42. (a) (vi) 2017 12 31 AAA 8,297,766 4,670,872 709,082 13,677,720 AA- AA+ 1,066,740 4,764,673 269,979 6,101,392 (i) 50,538,482 27,669,824 6,709,004 84,917,310 59,902,988 37,105,369 7,688,065 104,696,422 (i) (b) 145
2018 6 30 42. (c) (i) (ii) 146
2018 6 30 42. (d) 2013 1 1 2017 147
2018 6 30 43. (a) 2018 6 30 26,571,991 243,406 26,815,397 16,376,446 60,919,230 77,295,676 35,782,361 35,782,361 14,645,402 14,645,402 16,376,446 62,354,352 75,808,038 154,538,836 2017 12 31 7,483,738 204,327 7,688,065 7,582,116 7,582,116 37,055,094 50,275 37,105,369 31,720,041 31,720,041 7,582,116 44,538,832 31,974,643 84,095,591 148
2018 6 30 43. (a) 2018 6 302017 12 31 2018 1 1 239,883 67,870,615 17,925,979 86,036,477 5,505,057 4,549,655 10,054,712 3,523 1,296,887 99,234 1,399,644 3,180 3,180 (13,753,329) (7,932,646) (21,685,975) 2018 6 30 243,406 60,919,230 14,645,402 75,808,038 2017 1 1 204,327 30,462,148 30,666,475 50,275 29,809,000 29,859,275 136,779 136,779 (328,018) (328,018) (28,359,868) (28,359,868) 2017 12 31 204,327 50,275 31,720,041 31,974,643 149
2018 6 30 43. (a) 2018 6 30 243,406 60,919,230 14,645,402 2017 12 31 204,327 50,275 31,720,041 2018 6 302017 12 31 2018 6 302017 12 31 150
2018 6 30 43. (a) 2% 2018 6 30 4,868 (4,868) 1,218,385 (1,218,385) 292,908 (292,908) 2017 12 31 4,087 (4,087) 1,006 (1,006) 634,401 (634,401) 2018 6 302017 12 31 151
2018 6 30 43. (b) 2018 6 30 2017 12 31 (i) 91,983,306 90,919,325 59,902,988 91,983,306 150,822,313 (ii) 96,922,489 101,383,777 2018 6 30 2017 12 31 (i) 89,303,593 90,919,325 59,339,547 89,303,593 150,258,872 (ii) 94,633,322 101,144,718 152
2018 6 30 43. (b) (i) (ii) 2018 6 30 59,752,913 29,550,680 89,303,593 94,633,322 94,633,322 2017 12 31 90,919,325 90,919,325 59,339,547 59,339,547 59,339,547 90,919,325 150,258,872 101,144,718 101,144,718 153
2018 6 30 43. (b) (i) SPV 154
2018 6 30 44. 45. 2018 8 24 155
2016 9 7 2016 12 23 21 2018 1 12018 6 30 H 1.00 2018 8 24 156