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China Everbright Bank Company Limited

20183282017 1616 6 2017 2017101.81 2018328

2 3 6 9 11 12 16 19 60 68 71 73 88 106 270 50

CHINA EVERBRIGHT BANK COMPANY LIMITEDCEB BANK 25 100033 010-63636363 010-63636713 IR@cebbank.com 010-63636388 2525 91110000100011743X B0007H111000001 1630 A www.sse.com.cn www.cebbank.com H www.hkex.com.hk www.cebbank.com 3

A 601818 12 360013360022 113011 H 6818 116 122 A H A 16636 H 183171712-1716 4

19928 20108601818201312 6818 1,196 129 20171,000 49 5

2016 2016 JCB 2016 2016 2016 2015-2016 interbrand 2017 2017 2017 6

2017 21 2017 2017 (The Asian Banker) 2017 2017 21 2017 (CFCA) 2017 2017 7

2017 2018 + 9

2017 315.45 AH 13.49%9.56% 1.59%158.18% 4.091.70% 2.0313.19%2.277.16% 307.749.47%3.65 2018 40 35 11

2017 2016 2017 2016 (%) 2015 2014 2013 60,950 65,288-6.64 66,459 58,259 50,862 30,774 28,112 9.47 26,301 19,157 14,952 92,018 94,365-2.49 93,364 78,771 65,527 (30,802) (30,254) 1.81 (32,354) (30,008) (26,473) (20,570) (23,931) -14.04 (21,652) (10,209) (4,633) 40,646 40,180 1.16 39,358 38,554 34,421 31,611 30,388 4.02 29,577 28,928 26,754 31,545 30,329 4.01 29,528 28,883 26,715 4,088,243 4,020,042 1.70 3,167,710 2,737,010 2,415,086 2,032,056 1,795,278 13.19 1,513,543 1,299,455 1,166,310 51,238 43,634 17.43 38,119 28,025 24,172 3,782,807 3,768,974 0.37 2,943,663 2,557,527 2,262,034 2,272,665 2,120,887 7.16 1,993,843 1,785,337 1,605,278 304,760 250,455 21.68 223,493 178,975 152,839 52,489 46,679 12.45 46,679 46,679 46,277 5.24 4.72 11.02 4.36 3.83 3.30 1 2 0.64 0.63 1.59 0.63 0.62 0.66 3 0.59 0.63-6.35 0.63 0.62 0.66 (%) 0.78 0.85-0.07 4 12.75 13.80-1.05 1.32 1.59-0.27 1.52 1.78-0.26 33.44 29.79 +3.65 32.36 29.00 +3.36 (%) 1.59 1.60-0.01 1.00 1.12 1.14 15.50 17.36 21.48 2.01 2.06 1.96 2.25 2.30 2.16 28.17 24.32 22.82 27.05 30.02 31.84 1.61 1.19 0.86 12

2017 2016 2017 2016 (%) 2015 2014 2013 158.18 152.02 +6.16 2.52 2.43 +0.09 156.39 180.52 241.02 2.52 2.16 2.07 1 = 2 == 3 =+ + 4 = 92010 7 201714.50 31,545 30,329 29,528 40,646 40,180 39,358 92,018 94,365 93,364 2015 2016 2017 2015 2016 2017 2015 2016 2017 304,760 250,455 223,493 3,782,807 3,768,974 2,943,663 4,088,243 4,020,042 3,167,710 2015 2016 2017 2015 2016 2017 2015 2016 2017 13

23,692 22,693 22,488 23,145 8,579 8,360 8,494 6,112 (163,506) (76,593) 35,826 61,552 % 2017 1231 2016 1231 2015 1231 25 59.93 63.18 54.90 25 62.45 78.81 98.87 10 1.29 2.37 2.38 50 10.00 14.62 11.86 201267 % 20171231 20161231 20151231 1. 385,524 377,381 287,880 280,783 259,482 253,120 1.1 275,302 272,412 221,001 218,511 203,950 202,013 1.2 (2,276) (6,675) (2,125) (5,488) (2,115) (5,479) 1.3 273,026 265,737 218,876 213,023 201,835 196,534 1.4 30,012 29,947 29,997 29,947 19,992 19,965 1.5 1.6 303,038 295,684 248,873 242,970 221,827 216,499 1.7 82,486 81,697 39,007 37,813 37,655 36,621 1.8 2. 2,669,951 2,611,528 2,490,988 2,435,979 2,032,386 1,993,875 3. 12,210 13,074 7,757 7,079 4,970 4,970 4. 174,639 172,143 166,292 164,066 148,160 146,445 5. 2,856,800 2,796,745 2,665,037 2,607,124 2,185,516 2,145,290 6. 9.56 9.50 8.21 8.17 9.24 9.16 7. 10.61 10.57 9.34 9.31 10.15 10.09 8. 13.49 13.49 10.80 10.77 11.87 11.80 14

1 2 ==+ =+ 2015130 % 2017 2017 2017 2017 1231 930 630 331 6.45 5.89 5.69 5.58 303,038 272,072 263,994 261,548 4,698,240 4,621,816 4,643,364 4,688,433 201592 % 2017 2017 2017 2017 1231 930 630 331 101.96 99.27 94.59 91.60 250,014 292,264 271,266 333,207 30 245,201 294,415 286,778 363,757 15

2017 GDP6.9%CPI1.6% 2017 50044 16

A H 17

1 40,882.43682.011.70% 20,320.562,367.7813.19%49.70% 5.0422,726.651,517.787.16% 60.08%3.81 2 315.4512.164.01% 307.7426.629.47% 33.44%3.65 3 323.9236.901.59% 0.01158.18%6.16 4 13.49%2.69 9.56%1.35 19

2017 2016 60,950 65,288 (4,338) 30,774 28,112 2,662 (2,751) 223 (2,974) 6 5 1 (193) (261) 68 2,464 338 2,126 768 660 108 30,802 30,254 548 20,570 23,931 (3,361) 40,646 40,180 466 9,035 9,792 (757) 31,611 30,388 1,223 31,545 30,329 1,216 920.1823.472.49% 33.44%3.6566.24% 2.95 % 2017 2016 66.24 69.19 33.44 29.79 0.32 1.02 100.00 100.00 20

609.5043.386.64% 1.32%27BPs1.52%26BPs % 2017 2016 1,956,332 86,941 4.44 1,701,422 77,702 4.57 58,191 2,729 4.69 50,421 2,012 3.99 1,315,771 54,391 4.13 1,155,338 46,560 4.03 355,074 5,263 1.48 356,866 5,306 1.49 326,598 11,019 3.37 394,855 11,870 3.01 4,011,966 160,343 4.00 3,658,902 143,450 3.92 160,343 143,450 2,185,250 42,218 1.93 2,091,143 41,451 1.98 1,012,350 36,593 3.61 915,773 25,412 2.77 512,675 20,582 4.01 345,449 11,299 3.27 3,710,275 99,393 2.68 3,352,365 78,162 2.33 99,393 78,162 60,950 65,288 1 1.32 1.59 2 1.52 1.78 1 2 21

11,328 (2,089) 9,239 364 353 717 6,632 1,199 7,831 (27) (16) (43) (2,303) 1,452 (851) 14,111 2,782 16,893 16,893 1,818 (1,051) 767 3,491 7,690 11,181 6,714 2,569 9,283 9,588 11,643 21,231 21,231 (4,338) 1,603.43168.9311.78% 1 869.4192.3911.89% 2017 % 2016 1,174,691 53,463 4.55 1,035,211 47,884 4.63 750,482 32,365 4.31 591,441 27,057 4.57 31,159 1,113 3.57 74,770 2,761 3.69 1,956,332 86,941 4.44 1,701,422 77,702 4.57 22

2 543.9178.3116.82% 3 110.198.51 7.17% 993.93212.3127.16% 1 422.187.671.85% 2017 % 2016 1,741,071 33,706 1.94 1,625,568 32,035 1.97 669,238 4,660 0.70 570,552 3,747 0.66 1,071,833 29,046 2.71 1,055,016 28,288 2.68 444,179 8,512 1.92 465,575 9,416 2.02 160,000 662 0.41 146,586 621 0.42 284,179 7,850 2.76 318,989 8,795 2.76 2,185,250 42,218 1.93 2,091,143 41,451 1.98 2 365.93 111.8144.00% 23

3 205.8292.8382.16% 307.7426.629.47% 61.60 43.34%8.1143.74% 2017 2016 33,025 29,932 1,604 1,442 20,372 14,212 1,066 934 3,400 7,472 861 828 2,665 1,854 1,683 1,614 1,374 1,576 (2,251) (1,820) 30,774 28,112 2.946.71 2017 2016 (2,751) 223 6 5 (193) (261) 2,464 338 768 660 294 965 24

308.025.481.81%32.36% 3.36 2017 2016 15,679 15,171 4,828 4,740 1,025 2,885 9,270 7,458 30,802 30,254 205.7033.6114.04% 2017 2016 19,700 22,111 92 572 (11) 102 207 574 391 330 191 242 20,570 23,931 90.357.577.73% 25

40,882.43682.011.70% % 20171231 20161231 2,032,056 1,795,278 (51,238) (43,634) 1,980,818 48.45 1,751,644 43.57 56,364 1.38 55,560 1.38 44,754 1.09 232,630 5.79 353,703 8.65 381,620 9.49 40,352 0.99 22,720 0.57 1,302,449 31.86 1,323,050 32.91 240,257 5.88 193,305 4.81 28,576 0.70 25,339 0.63 14,929 0.37 14,228 0.35 1,281 0.03 1,281 0.03 7,596 0.19 5,622 0.14 17,164 0.41 13,043 0.33 4,088,243 100.00 4,020,042 100.00 26

二零一七年年度報告 1 貸款和墊款報告期末本集團貸款和墊款總額20,320.56億元比上年末增加2,367.78億元增長13.19% 貸款和墊款淨額在資產總額中佔比48.45% 比上年末上升4.88個百分點下表列示本集團貸款和墊款主要構成單位人民幣百萬元 % 2017年12月31日項目 2016年12月31日餘額佔比餘額佔比企業貸款 1,179,663 58.05 1,075,974 59.93 零售貸款 830,004 40.85 663,131 36.94 22,389 1.10 56,173 3.13 2,032,056 100.00 1,795,278 100.00 貼現貸款和墊款總額截至報告期末本集團貸款和墊款主要項目構成單位人民幣百萬元 1,075,974 1,200,000 1,179,663 1,500,000 2017 1.10% 663,131 830,004 900,000 40.85% 2016 3.13% 36.94% 58.05% 59.93% 600,000 300,000 22,389 56,173 0 企業貸款 2016 2017 零售貸款貼現企業貸款零售貸款貼現 27

2 13,024.49206.01 31.86%1.05 % 20171231 20161231 24,196 1.86 7,791 0.59 4,513 0.35 4,950 0.37 414,547 31.83 425,131 32.13 344,617 26.46 257,500 19.46 514,576 39.50 627,678 47.45 1,302,449 100.00 1,323,050 100.00 3 937.89201.38 78.06% % 20171231 20161231 911 0.97 1,861 1.63 19,663 20.97 54,146 47.53 73,215 78.06 57,920 50.84 93,789 100.00 113,927 100.00 28

4 % 1 4,500 4.01 2037-01-09 2 4,430 3.83 2024-01-06 3 3,500 3.80 2036-01-25 4 2,790 3.43 2021-12-08 5 2,720 3.85 2024-01-09 6 2,500 4.20 2020-04-17 7 2,340 3.95 2031-02-26 8 2,000 4.20 2020-05-24 9 2,000 4.30 2020-09-05 10 1,500 4.20 2020-07-21 11 1,500 4.00 2020-03-09 12 1,500 4.29 2020-10-30 5 60.1947.3812.81 6 37,828.07138.330.37% 29

中國光大銀行經營情況討論與分析下表列示本集團負債總額構成情況單位人民幣百萬元 % 2016年12月31日餘額佔比 2017年12月31日餘額佔比項目向中央銀行借款客戶存款同業及其他金融機構存放款項拆入資金及賣出回購金融款衍生金融負債應付職工薪酬應交稅費應付利息應付債券其他負債負債合計 232,500 2,272,665 577,447 152,379 6,552 8,412 4,932 40,206 445,396 42,318 3,782,807 6.15 60.08 15.27 4.03 0.17 0.22 0.13 1.06 11.77 1.12 100.00 187,000 2,120,887 830,354 136,696 4,368 7,776 4,501 33,576 412,500 31,316 3,768,974 4.96 56.27 22.03 3.63 0.12 0.21 0.12 0.89 10.94 0.83 100.00 註客戶存款包括指定公允價值計量的結構性存款下同報告期末本集團客戶存款餘額22,726.65億元比上年末增加1,517.78億元增長7.16% 下表列示本集團客戶存款構成情況單位人民幣百萬元 % 2016年12月31日餘額佔比 2017年12月31日餘額佔比項目企業客戶存款其中企業活期企業定期零售客戶存款其中零售活期零售定期其他存款客戶存款餘額 1,797,159 740,220 1,056,939 384,135 179,176 204,959 91,371 2,272,665 79.08 32.57 46.51 16.90 7.88 9.02 4.02 100.00 1,653,200 656,760 996,440 359,660 183,856 175,804 108,027 2,120,887 77.95 30.97 46.98 16.96 8.67 8.29 5.09 100.00 截至報告期末本集團客戶存款構成情況單位人民幣百萬元 2017 2,400,000 1,797,159 1,653,200 2,000,000 4.02% 16.90% 1,600,000 2016 5.09% 16.96% 1,200,000 77.95% 79.08% 91,371 400,000 108,027 384,135 359,660 800,000 0 企業客戶存款 2016 30 2017 零售客戶存款其他存款企業客戶存款零售客戶存款其他存款

3,047.60543.05 315.45H259.78 60.25 2017 2016 1231 1231 52,489 46,679 35,108 29,947 53,533 33,365 (1,845) 509 21,054 17,951 52,257 51,447 92,164 70,557 304,760 250,455 676 613 305,436 251,068 8,006.12984.95 2017 2016 1231 1231 215,246 158,477 403,717 401,420 103,295 81,424 78,169 60,611 185 185 800,612 702,117 31

1,427.21863.78 1,958.16332.83 123.187,669.67 7,508.00 392.84259.78 % 20171231 20161231 241,125 20.44 235,514 21.89 209,223 17.74 160,657 14.93 142,010 12.04 126,717 11.78 126,451 10.72 95,554 8.88 109,268 9.26 112,165 10.42 91,949 7.79 92,260 8.57 62,984 5.34 62,480 5.81 49,780 4.22 51,275 4.77 42,237 3.58 34,201 3.18 21,831 1.85 28,473 2.65 82,805 7.02 76,678 7.12 1,179,663 100.00 1,075,974 100.00 830,004 663,131 22,389 56,173 2,032,056 1,795,278 32

% 20171231 20161231 382,262 18.80 352,631 19.64 235,902 11.61 213,533 11.89 322,013 15.84 298,715 16.64 314,516 15.48 303,996 16.93 301,306 14.83 260,592 14.52 113,724 5.60 109,300 6.09 303,300 14.93 212,336 11.83 59,033 2.91 44,175 2.46 2,032,056 100.00 1,795,278 100.00 70.87% % 20171231 20161231 591,866 29.13 491,329 27.37 451,380 22.21 391,427 21.80 754,180 37.11 695,272 38.73 234,630 11.55 217,250 12.10 2,032,056 100.00 1,795,278 100.00 33

% 20171231 A 4,955 0.25 1.29 B 4,600 0.24 1.19 C 4,312 0.21 1.12 D 3,907 0.19 1.01 E 3,803 0.19 0.99 F 3,750 0.18 0.97 G 3,520 0.17 0.91 H 3,350 0.16 0.87 I 3,246 0.16 0.84 J 3,125 0.15 0.81 38,568 1.90 10.00 1 2 323.9236.901.59%0.01 % 20171231 20161231 1,939,378 95.44 1,698,723 94.62 60,286 2.97 67,853 3.78 10,204 0.50 11,367 0.63 13,875 0.68 14,078 0.79 8,313 0.41 3,257 0.18 2,032,056 100.00 1,795,278 100.00 1,999,664 98.41 1,766,576 98.40 32,392 1.59 28,702 1.60 34

% 2017 2016 20172016 2015 1.68 3.31-1.63 4.27 22.49 26.78-4.29 30.33 57.69 62.17-4.48 86.57 36.18 25.66 +10.52 24.98 1 20171231 % 20161231 19,685 0.97 17,380 0.97 90 971 0.05 1,240 0.07 2 % 20171231 20161231 22,785 70.34 21,412 74.60 9,607 29.66 7,290 25.40 32,392 100.00 28,702 100.00 35

% 20171231 20161231 5,006 15.45 6,520 22.72 5,160 15.94 4,663 16.25 5,281 16.30 3,666 12.77 4,483 13.84 4,654 16.21 4,727 14.59 4,599 16.02 2,827 8.73 1,259 4.39 4,900 15.13 3,333 11.61 8 0.02 8 0.03 32,392 100.00 28,702 100.00 % 20171231 20161231 11,111 34.30 10,310 35.91 7,646 23.60 8,178 28.49 1,164 3.59 1,177 4.10 989 3.05 392 1.37 275 0.85 220 0.77 269 0.83 220 0.77 136 0.42 40 0.14 93 0.29 77 0.27 10 0.03 10 0.03 1,092 3.38 788 2.75 22,785 70.34 21,412 74.60 9,607 29.66 7,290 25.40 32,392 100.00 28,702 100.00 36

% 20171231 20161231 7,597 23.45 6,425 22.38 11,280 34.83 11,546 40.23 11,218 34.63 9,402 32.76 2,297 7.09 1,329 4.63 32,392 100.00 28,702 100.00 2017 2016 1231 1231 494 406 494 406 (18) (17) 476 389 2017 2016 1231 1231 43,634 38,119 20,937 22,798 (1,237) (687) 884 747 (1,015) (876) (6,007) (5,632) (5,958) (10,835) 51,238 43,634 37

2017 98.6060.0788.16 2017 2016 14,011 5,864 15,423 5,068 8,811 2,113 9,563 1,655 13,093 2,041 13,599 5,435 12,787 5,548 12,974 5,696 8,659 2,548 8,865 2,631 3,752 (536) 4,509 1,558 29,818 22,459 28,793 17,874 1,087 609 639 263 92,018 40,646 94,365 40,180 38

2017 2016 42,593 15,599 42,388 11,037 35,572 14,041 29,479 10,376 13,735 11,047 22,337 18,728 118 (41) 161 39 92,018 40,646 94,365 40,180 2017 1231 2016 1231 % 44,754 232,630-80.76 40,352 22,720 77.61 24,196 7,791 210.56 91,441 67,000 36.48 344,617 257,500 33.83 7,596 5,622 35.11 577,447 830,354-30.46 6,552 4,368 50.00 42,318 31,316 35.13 53,533 33,365 60.45 H (1,845) 509 92,164 70,557 30.62 39

2017 1-12 2016 1-12 (2,751) 223 2,464 338 628.99 (2,354) (3,420) -31.17 1 25,376 113,099 109,847 28,628 2 2017 1231 2016 1231 52 37 15 1 2017 1231 2016 1231 8,693 6,719 1,974 2 2017 1231 2016 1231 566 557 9 40

1 18,009.481,421.028.57%6.37% 11,796.631,036.899.64% 2 2011 4,002.78593.08 17.39%26.111.12 3 2,124 4 26.59% 41

1 4,717.17 96.762.09% 2 5,293.88785.8317.43% 2,003.82375.17100.73 3 30,4902,277 8.07%2,853.10273.4510.60% 4 (1) IC 6,066 220 42

(2) B.DUCK 4,526.33 930.4616,742.34 31.07%3,029.46 41.42%1801.09% 280.0035.66% 5 eee3,535.12 843.7740.294.47848.79 381.472,0005.39e 1140 1 4,718.90 11.54%64.70%17.36 2 5,774.477,995.87 43

3 1.11 4.850.9022.78% 4 52,076.7515.67 + 3.0 44

44.1010.41 30.90% % 270,000 333,000 90 57,403 10,500 10,500 70 1,348 7,000 7,000 70 1,657 16 100 128 2,000 100-256.82 9,750 7,500 2.56 1,010,788 1 2 3 45

2010537 646.7357.785.74 200991.5 9.822.041,348 201321 10.17 1.221,657 2015616 67.5814.97128 201772,000 6,363.301,743.18 256.82 46

2018 48

2018 10% 2018 49

2017 2017 1 20173,103,343.8410% 310,334.38 2 1.5% 80,890.47 3 145,000.002017626106,000.002017 81139,000.00 4 101.81950,053.20 AH 5 2017 6 2017 2017 50

% 2017 2016 2015 9,500.53 4,574.55 8,869.03 30.12 15.08 30.04 1 2 3 4 5 2017317A300 H H 2017122242.00H16.10H 51

530% 16201711 2017112017612 20176202016 20172017 755 2 52

20176202016 201775 1 2017113 2017113 14A 20172282017 20173 53

201752H H201752 H 14A 201762020162017A 2017H2017 12 14A [2003]56 1.85,000 54

2017 11 40 1320173003,433 13 2017 201722820172017A2017 H2017 500201822820182018A 2018H2018 12 201736280 4.60%1052017829120 4.70%105 55

2017317300A H 20171222H58.10 20175919.80 427.59 600 2017410 20177 Ernst & Young Societe anonyme 56

2017 57

60 68 71 73 88

% 5,810,000,000 5,810,000,000 5,810,000,000 11.07 1 5,810,000,000 5,810,000,000 5,810,000,000 11.07 46,679,095,000 100 32,138 32,138 46,679,127,138 88.93 1 39,810,359,500 85.29 32,138 32,138 39,810,391,638 75.84 2 6,868,735,500 14.71 6,868,735,500 13.09 46,679,095,000 100 5,810,000,000 32,138 5,810,032,138 52,489,127,138 100 2017725H58.10 H2017121520171222 42.0016.10H1.00 5.3283309.57 137,000AA32,138 52,489,127,138A39,810,391,638H12,678,735,500 1 A113011 2 3 60

A H 233,298 978 A 222,255 % (+ ) A 11,565,940,276 22.03 1,610,000,000 H 1,782,965,000 3.40 5,810,063,000 H 12,673,094,480 24.14 4,200,000,000 H 4,200,000,000 8.00 Ocean Fortune Investment Limited -21,080,000 H 1,605,286,000 3.06 221,179,000 H 1,530,397,000 2.92 A 10,250,916,094 19.53 451,181,102 A 1,681,790,353 3.20 A 1,572,735,868 3.00-196,618,748 A 413,094,619 0.79 H 376,393,000 0.72 A 766,002,403 1.46 A 723,999,875 1.38 A 629,693,300 1.20 A 626,063,556 1.19 1 16.10H42.00H 2 55.67%71.56% Ocean Fortune Investment Limited 3 H12,673,094,480Ocean Fortune Investment Limited H4,200,000,0001,605,286,0001,530,397,0001,782,965,000 376,393,000 H3,178,053,480 61

20221222 5,810,000,000 5,810,000,000 46,679,127,138 4,200,000,000 2022-12-22 H 1,610,000,000 2022-12-22 H 20171231 1 19901112 62

2 20171231 % 48.45 49.74 41.40 20.00 16.72 4.98 355.67% 4 100% 100% 100% 100% 49.74% 100% 0.12% 0.28% 0.16% 3.00% 25.43% 0.02% 63

1 1 20031216 2 % 34.71 40.03 64.02 57.11 71.56 31.34 25.03 58.58 32.93 3100% 4 55.67% 100% 71.56% 100% 29.00% 19.53 1.20% 1.50% 2.92% 1 201732 64

5% 2 1 5% 100% 2 5% 71.56% 3 Ocean Fortune Investment Limited 5% 4 5% 5 5% 2 20181 65

20171231 336 (%) 4,5 (%) 4,5 1 H 1,605,286,000 12.66 3.05 1 H 1,605,286,000 12.66 3.05 1 H 1,605,286,000 12.66 3.05 Ocean Fortune Investment Limited 1 H 1,605,286,000 12.66 3.05 2 H 3,773,385,000 29.76 7.18 2 H 1,866,595,000 14.72 3.55 2 H 1,906,790,000 15.03 3.63 2 H 1,530,397,000 12.07 2.91 1 H 4,200,000,000 33.12 8.00 3 A 15,375,917,552 38.62 29.29 3 A 26,669,621,565 66.99 50.80 1 Ocean Fortune Investment Limited1,605,286,000HOcean Fortune Investment Limited Ocean Fortune Investment Limited 1,605,286,000H 2 1,530,397,000H 376,393,000H1,782,965,000H 83,630,000H 71.56% 55.67% 1,530,397,000H 83,630,000H3,773,385,000H 66

3 13,586,625,426A 1,789,292,126A (1) 1,572,735,868A (2) 148,156,258A (3) 8,000,000A (4) 60,400,000A 15,375,917,552A 10,250,916,094A 413,094,619629,693,300A 71.56%55.67% 629,693,300A 413,094,619A13,586,625,426A 26,669,621,565A 4 2017123152,489,127,13839,810,391,638A12,678,735,500 H 5 20171231XV 23336 20171231 352XV78 67

% 360013 1 2015619 100 5.30 20,000 2015721 20,000 360022 2 201688 100 3.90 10,000 2016826 10,000 1360013 % 18 18 37,750,000 18.88 17,750,000 8.88 15,510,000 7.76 15,500,000 7.75 15,500,000 7.75 13,870,000 6.94 13,870,000 6.94 10,000,000 5.00 10,000,000 5.00 10,000,000 5.00 68

2360022 23 23 % 16,470,000 16.47 13,090,000 13.09 10,000,000 10.00 8,180,000 8.18 7,200,000 7.20 6,540,000 6.54 6,540,000 6.54 3,680,000 3.68 3,270,000 3.27 3,270,000 3.27 3,270,000 3.27 3,270,000 3,270,000 3.27 1 2015620168 5 5 5.30%3.90% 69

2 20176265.30%2017811 3.90% 20186252018811 3 % 2017 2016 2015 1,450 1,060 100.00 100.00 2237 70

2017317A300 299.23201745A113011 % 9,692 8,709,153,000 29.03 3 1,956,305,000 6.52 1,862,795,000 6.21 1,029,020,000 3.43 2 983,998,000 3.28 941,477,000 3.14 829,194,000 2.76 1 775,098,000 2.58 727,098,000 2.42 691,848,000 2.31 A 20179182023316137,000 A32,138 71

2017742016AA A 201775 4.364.26 2017122258.10H AA H201712264.264.31 201775 4.26 2017627 20171226 4.31 20171222 4.31 20173A A(2017) AAAAAA 72

58 2018.03-2019.06 59 2014.12-2019.06 48 2016.08-2019.06 59.02 20162 46 2017.05-2019.06 59 2015.03-2019.06 129.60 201012 59 2016.09-2019.06 20038 129.60 54 2016.09-2019.06 59 2016.09-2019.06 58 2018.03-2019.06 46 2015.02-2019.06 65 2013.01-2019.06 39.00 65 2013.01-2019.06 37.00 59 2014.01-2019.06 37.00 53 2015.02-2019.06 58 2015.02-2019.06 36.00 60 2017.01-2019.06 34.00 57 2015.06-2019.06 130.90 51 2014.12-2019.06 52 2009.11-2019.06 68 2012.11-2019.06 27.50 65 2016.06-2019.06 27.50 57 2016.11-2019.06 28.00 50 2017.06-2019.06 124.07 52 2017.06-2019.06 91.14 44 2017.06-2019.06 120.77 73

59 2006.02 129.60 54 2009.03 129.60 56 2014.01 104.60 54 2014.05 104.60 53 2016.06 99.60 49 2016.08 99.60 54 2018.01 1,718.70 1 2 3 2017 4 2017201712 5 6 7 8 9 10 74

63 2007.07-2017.12 59 2011.03-2017.01 71 2011.11-2017.01 61 2009.11-2017.03 21.60 44 2016.06-2017.06 91.38 68 2016.06-2017.10 54 2012.11-2017.10 176.45 289.43 1 2017 2 3 2017 1 2017110 2 2017110 3 2017116 4 201759 5 20171227 6 2018315 75

7 2018316 1 201731 2 2017612 3 2017612 4 20171016 5 20171020 1 20171102018315 2 2017103020181 10 1 2 3 4 5 76

2017 201712 201712 20147 20161 20163 20167 201610 201612 201612 20088 20166 201011 20166 201412 201412 20159 20124 20176 20114 77

20183201712 201412 201682016120162 IT 20175 78

20153201412201012 201692003120038 2001 20169 20169 EMBA 20183 79

20152 20131 20131 (Warwick) 20141 20152 (UBC) 80

20152 1991 (MPP) 20171 2015520156304 201412 KMV 200911 81

201211 20166 201611 20176 20176 20176 82

200622007320147 20161220012 200932010121994 2014120141220169 201610199712 2014520148 83

20166 20168201831997 20181200511 84

二零一七年年度報告十一員工情況一基本情況報告期末本行從業人員44,066人不含子公司離退休人員842人從業人員中按學歷劃分大專及以下學歷7,494人佔比17.01% 大學本科學歷30,555人佔比69.34% 碩士研究生及以上學歷 6,017人佔比13.65% 按從事專業劃分公司業務人員8,437人佔比19.15% 零售業務人員含信用卡業務和電子銀行業務 17,356人佔比39.39% 運營支持人員含櫃員 11,182人佔比25.37% 綜合管理及支持保障人員7,091人佔比16.09% 本行員工學歷結構圖本行員工專業構成情況圖 2017 13.65% 2017 2016 19.15% 16.09% 2016 69.34% 12.98% 15.86% 19.08% 68.97% 18.05% 17.01% 26.33% 25.37% 38.73% 39.39% 碩士研究生及以上大專及以下本科公司業務人員 8,437 零售業務人員 17,356 運營支持人員 11,182 綜合管理及支持保障人員 7,091 二員工薪酬政策根據市場競爭的需要按照效率優先兼顧公平的原則員工的薪酬由基本薪酬績效薪酬和福利三部分組成本行薪酬分配向經營一線和利潤中心傾斜以吸引和激勵關鍵崗位核心崗位人員 85

2017 5,996342,379 1 119255539 95% 2 297814 70% 3 421220 1070.37% 4 6442535 95% 5 18864 100% 113 631,196 39891,068 129 86

1 6,435 2,786,571 68 2,808 469,374 56 1,815 225,875 34 1,077 75,083 27 968 78,455 52 1,330 94,232 33 1,065 74,564 18 579 37,226 24 710 33,899 36 1,182 66,189 35 891 50,336 37 1,065 40,080 44 1,377 182,844 20 883 72,219 8 321 60,556 36 1,254 107,233 19 756 54,946 49 1,388 119,458 38 1,295 64,094 16 524 65,917 23 692 53,525 32 926 56,759 34 1,046 81,657 14 487 33,420 46 1,384 86,510 34 1,062 66,936 57 1,410 96,186 84 2,391 154,951 50 1,225 200,979 27 851 50,794 21 785 46,102 27 916 69,320 23 737 36,560 37 1,112 68,812 7 191 10,921 10 364 24,028 12 309 15,360 4 136 4,363 2 75 2,877 2 43 220 1 145 102,632 1 29 10,621 1 27 3,126 (2,006,618) 1,200 44,066 4,029,192 1 2,9141,870 2 87

2017 14D.3.1 14 88

AH 122A2H 1 201722820172017A2017 H2017 201762020162017A2017H 201712212017 2016 20177 20162017AH H20171222309.57H 2017 20162017AHH 89

2017 3 2 3 2 3 3 2 2 3 0 3 1 3 2 3 3 3 0 3 3 3 1 3 1 3 2 3 1 3 1 1 14A.6.7 2017 2 201759 1435 6 142129 90

116557 17 11 10 0 1 11 9 2 0 11 11 0 0 7 6 1 0 11 11 0 0 11 10 1 0 11 11 0 0 11 11 0 0 11 8 3 0 11 9 2 0 11 11 0 0 11 11 0 0 11 10 1 0 11 6 5 0 11 11 0 0 1 201759 2 20171227 91

2017 20171227 2018316 63.13 3.13 92

6.24 353445 4319 8 201710 20172017 H 201620172016 362 3 3 0 0 3 2 1 0 3 2 1 0 3 3 0 0 3 3 0 0 3 3 0 0 3 3 0 0 3 0 3 0 93

7 AH 2016 2016 20183 2017 53211 13 5 5 0 0 3 3 0 0 5 5 0 0 5 5 0 0 5 5 0 0 5 5 0 0 5 5 0 0 201766 7 94

3217 4 3 3 0 0 3 3 0 0 1 1 0 0 3 2 1 0 3 1 2 0 3 3 0 0 3 1 2 0 201766 4 95

4225 3 3 0 0 4 4 0 0 4 4 0 0 4 4 0 0 4 3 1 0 20171227 5 20162016 20162016 4224 4 4 0 0 4 4 0 0 4 4 0 0 4 4 0 0 4 2 2 0 4 4 0 0 7 96

20164A H39 53210 5 5 0 0 5 3 2 0 5 5 0 0 5 5 0 0 5 3 2 0 5 3 2 0 5 5 0 0 97

933 3 53 2183 5 5 0 0 5 3 2 0 5 3 2 0 5 5 0 0 5 5 0 0 5 4 1 0 2 2 0 0 2 2 0 0 2 2 0 0 2017612 98

66 1 2016 3217 3 3 0 0 3 3 0 0 3 2 1 0 3 3 0 0 2 2 0 0 1 1 0 0 1 2017330 2 2017825 2 99

34 3 3 0 0 3 1 2 0 3 3 0 0 2 2 0 0 1 1 0 0 1 1 0 0 1 2017330 2 2017825 20171231 10 2016 100

14A.6.5 A+H 2016 2017 AH102A 151HAPOWL 20162017 2016A+H 100e 201641 26312500 400e 3.29 1520171030 2018110 20183.29 101

10% 3% 10% 1 2 3 4 5 6 1 2 3 4 102

H2017 20171231 20171231 2017 201712 31 103

2017 106 2017 113 2017 120 2017 263

113262 2017123120171231 201712312017 106

107 20171231 20,320.56 49.70%512.38 1 1851(a)

20171231 4,424.88 2,991.45 10.82% 7.91% 42.16% 0.0034% 2 52 108

7 44 109

2017 110

111

2018328 112

20171231 2017 2016 160,343 143,450 (99,393) (78,162) 1 60,950 65,288 33,025 29,932 (2,251) (1,820) 2 30,774 28,112 3 (2,751) 223 6 5 4 (193) (261) 2,464 338 768 660 92,018 94,365 5 (30,802) (30,254) 61,216 64,111 8 (20,570) (23,931) 40,646 40,180 9 (9,035) (9,792) 31,611 30,388 31,545 30,329 66 59 31,611 30,388 10 0.64 0.63 10 0.59 0.63 120262 113

20171231 2017 2016 31,611 30,388 (3,458) (5,165) 360 592 26(b) 768 1,143 (87) 33 33(b) 63 (23) (2,354) (3,420) 29,257 26,968 29,191 26,909 66 59 29,257 26,968 120262 114

20171231 2017 2016 1231 1231 11 353,703 381,620 12 44,754 232,630 40,352 22,720 13 148,816 126,305 14 24,196 7,791 15 4,513 4,950 16 91,441 67,000 17 28,576 25,339 18 1,980,818 1,751,644 19 56,364 55,560 20 414,547 425,131 21 344,617 257,500 22 514,576 627,678 24 14,929 14,228 25 1,281 1,281 26 7,596 5,622 27 17,164 13,043 4,088,243 4,020,042 232,500 187,000 29 577,447 830,354 30 106,798 95,501 15 6,552 4,368 31 45,581 41,195 32 2,272,665 2,120,887 33 8,412 7,776 34 4,932 4,501 35 40,206 33,576 36 445,396 412,500 37 42,318 31,316 3,782,807 3,768,974 120262 115

20171231 2017 2016 1231 1231 38 52,489 46,679 39 35,108 29,947 40 53,533 33,365 41 (1,845) 509 42 21,054 17,951 42 52,257 51,447 43 92,164 70,557 304,760 250,455 676 613 305,436 251,068 4,088,243 4,020,042 2018328 120262 116

20171231 201711 46,679 29,947 33,365 509 17,951 51,447 70,557 250,455 613 251,068 31,545 31,545 66 31,611 41 (2,354) (2,354) (2,354) 5,810 20,168 25,978 25,978 39 5,161 5,161 5,161 43 3,103 (3,103) 810 (810) (4,575) (4,575) (3) (4,578) (1,450) (1,450) (1,450) 20171231 52,489 35,108 53,533 (1,845) 21,054 52,257 92,164 304,760 676 305,436 201611 46,679 19,965 33,365 3,929 14,964 40,271 64,320 223,493 554 224,047 30,329 30,329 59 30,388 41 (3,420) (3,420) (3,420) 9,982 9,982 9,982 43 2,987 (2,987) 11,176 (11,176) (8,869) (8,869) (8,869) (1,060) (1,060) (1,060) 20161231 46,679 29,947 33,365 509 17,951 51,447 70,557 250,455 613 251,068 120262 117

20171231 2017 2016 31,611 30,388 20,570 23,931 2,136 2,182 (1,015) (876) (6) (5) 566 (632) 193 261 25 (10) 2,726 (213) 20,582 11,299 (45) 8 9,035 9,792 86,378 76,125 81,409 (51,367) 18,283 (24,247) (248,736) (297,953) (24,442) 87,060 (22,330) (33,292) (195,816) (319,799) (252,907) 289,288 11,297 35,196 4,382 (17,720) 45,500 172,160 151,778 127,044 (10,066) (12,126) 16,733 (489) (33,283) 593,353 (142,721) 349,679 120262 118

2017 2016 766,967 470,303 6 5 634 212 (750,800) (890,635) (4,489) (3,210) 12,318 (423,325) 25,978 9,982 38,058 202,440 (18,724) (11,350) (6,028) (9,938) 39,284 191,134 (2,465) 2,055 47(a) (93,584) 119,543 11 241,507 121,964 1231 47(b) 147,923 241,507 157,079 135,397 (74,034) (63,806) 120262 119

20171231 1992818 20108201312 B0007H111000001 91110000100011743X 2525 23 2017123131 2018328 1 120

1 1.1 2017 201711 7 12 2014-2016 201612 12 7 12 2014-2016 12 12 121

20171231 1 1.2 2017 40 201811 2 201811 4 201811 9 201811 15 201811 201811 22 16 201911 23 201911 9 201911 19 201911 28 201911 17 202111 10 28 2014-2016201612 28 201811 1 201811 2015-2017201712 201911 40 122

1 1.2 2017 2 4 4 9 9 22 16 17 2312 9 123

20171231 1 1.2 2017 19 289 2017517 4 1028 2014-2016201612 28 1201811 2017 124

1 1.2 2017 2015-2017201712 31112 23201911 2017 1.2.1 9 201479 2017109 201911 2018119 9 125

20171231 1 1.2 2017 1.2.1 9 9 12 126

1 1.2 2017 1.2.1 9 12 127

20171231 1 1.2 2017 1.2.1 9 201811 9 92018112.87% 1.2.2 15 2014515 9 15 2 128

2 3 4 129

20171231 5 5.1 (1) 130

5 5.1 (2) (3) (a) (b) (c) 131

20171231 5 5.1 (4) (5) 5.2 5.3 132

5 5.4 5.5 133

20171231 5 5.6 50%50% 20%20%50% 134

5 5.6 (1) 135

20171231 5 5.6 (1) 136

5 5.6 (1) 137

20171231 5 5.6 (2) (3) 138

5 5.7 5.8 139

20171231 5 5.9 5.10 6 7 140

8 2 14 9 141

20171231 9 9.1 (%) (%) 30-35 3 2.8-3.2 3-5 3-5 19.0-32.3 5-10 3-5 9.5-19.4 9.2 25 15% 9.3 10 10.1 142

10 10.2 11 5 5-10 143

20171231 12 14 13 14 144

14 145

20171231 15 15.1 15.2 146

15 15.3 15.4 16 16.1 16.2 147

20171231 16 16.2 17 18 148

18 18.1 18.2 18.3 19 19.1 19.2 149

20171231 20 150

20 21 22 23 151

20171231 1 2 152

3 4 5 6 153

20171231 7 (a) 6%17% (b) 1%-7% (c) 3% (d) 25% 16.5% 19% 154

1 2017 2016 5,263 5,306 4,016 4,610 4,688 4,412 (a) 53,463 47,884 32,365 27,057 1,113 2,761 2,729 2,012 2,315 2,848 54,391 46,560 160,343 143,450 6,695 2,223 25,528 19,334 3,257 2,082 25,193 25,867 3,639 4,064 8,513 6,168 4,873 5,352 1,113 1,773 (b) 20,582 11,299 99,393 78,162 60,950 65,288 (a) (b) 201710.1520168.76 155

20171231 2 2017 2016 20,372 14,212 3,400 7,472 2,665 1,854 1,683 1,614 1,604 1,442 1,066 934 861 828 1,374 1,576 33,025 29,932 1,451 1,320 108 97 692 403 2,251 1,820 30,774 28,112 3 2017 2016 (2,601) 339 (279) (148) (2,880) 191 (14) (4) 143 36 (2,751) 223 156

4 2017 2016 163 331 (360) (592) 4 (193) (261) 5 2017 2016 11,007 10,642 1,681 1,569 701 634 365 336 89 251 1,836 1,739 15,679 15,171 2,692 2,558 1,417 1,461 418 428 301 293 4,828 4,740 1,025 2,885 (a) 9,270 7,458 30,802 30,254 (a) 201712318302016683 157

20171231 6 2017 000 000 000 000 000 000 000 000 439 439 38 114 591 1,142 1,142 40 114 1,296 1,142 1,142 40 114 1,296 (i) (i) (i) 370 370 370 390 390 390 370 370 370 360 360 360 (ii) 340 340 340 158

6 2017 000 000 000 000 000 000 000 000 1,155 1,155 40 114 1,309 275 275 275 275 275 275 280 280 280 (iii) 395 782 1,177 64 1,241 (iii) 307 517 824 19 68 911 (iii) 292 824 1,116 23 68 1,207 (i) (i) (iii) 191 191 7 18 216 (iii) 252 586 838 21 55 914 (iii) 586 1,049 1,635 35 94 1,764 (iii) 2,660 5,901 3,758 12,319 263 823 13,405 159

20171231 6 2016 000 000 000 000 000 000 000 000 339 339 34 97 470 1,150 1,150 40 106 1,296 1,150 1,150 40 106 1,296 370 370 370 390 390 390 370 370 370 350 350 350 1,163 1,163 40 106 1,309 1,150 1,150 40 106 1,296 300 300 300 150 150 150 73 73 73 21 21 21 703 1,231 1,934 42 105 2,081 412 564 976 21 55 1,052 160

6 2016 000 000 000 000 000 000 000 000 506 1,057 1,563 21 51 1,635 (James Parks Stent) 150 150 150 340 702 1,042 21 51 1,114 2,174 6,913 3,554 12,641 299 783 13,723 (i) 2018316 201831520175 9 2017116 20171227 (ii) 2017110 161

20171231 6 (iii) 2017612 2017312017612 2017101620171020 (iv) 2017 2017 2017 7 2017 000 2016 000 2,712 3,461 20,378 17,662 790 219 679 404 24,559 21,746 2017 2016 3,000,0013,500,000 3,500,0014,000,000 4,000,0014,500,000 2 4 4,500,0015,000,000 2 1 5,000,0015,500,000 5,500,0016,000,000 6,000,0016,500,000 6,500,0017,000,000 1 162

8 2017 2016 19,700 22,111 391 330 207 574 92 572 (11) 102 191 242 20,570 23,931 9 (a) 2017 2016 10,393 10,131 26(b) (1,206) (556) 9(b) (152) 217 9,035 9,792 (b) 2017 2016 40,646 40,180 25% 25% 10,162 10,045 1 3 4 5 1,853 1,324 283 79 2,140 1,408 (i) (3,116) (1,881) 9,187 9,575 (152) 217 9,035 9,792 (i) 163

20171231 10 2017 2016 31,545 30,329 1,450 1,060 30,095 29,269 46,679 46,679 0.64 0.63 2017 2016 46,679 46,679 46,679 46,679 164

10 1231 2017 2016 30,095 29,269 662 30,757 29,269 46,679 46,679 5,220 51,899 46,679 0.59 0.63 11 2017 2016 1231 1231 5,584 6,667 (a) 306,762 303,772 (b) 37,035 66,255 (c) 880 1,433 3,442 3,493 348,119 374,953 353,703 381,620 (a) 2017 1231 2016 1231 14.5% 15.0% 5.0% 5.0% (b) (c) 20171231 0% 2016123120% 165

20171231 12 2017 1231 2016 1231 35,201 224,635 321 278 35,522 224,913 9,264 7,754 44,786 232,667 (32) (37) 44,754 232,630 13 2017 1231 2016 1231 23,175 10,874 109,455 97,520 132,630 108,394 16,200 17,914 148,830 126,308 (14) (3) 148,816 126,305 166

14 2017 2016 1231 1231 (a) 24,185 7,743 (b) 11 48 24,196 7,791 (a) 2017 2016 1231 1231 1,110 70 786 1,793 (i) 21,020 5,395 22,916 7,258 128 20 125 68 1,016 397 1,269 485 (ii) 24,185 7,743 (iii) 2,017 534 1,662 445 22,168 7,209 24,185 7,743 (i) (ii) (iii) 28(a) 167

20171231 14 (b) 2017 1231 2016 1231 11 48 15 (a) 20171231 317,001 430 (373) 1,633 8 5,185 109 (73) 413,183 3,906 (6,100) 5,289 60 (6) 742,291 4,513 (6,552) 168

15 (a) 20161231 92,013 413 (356) 500 1 10,329 140 (160) 346,885 4,394 (3,852) 49 2 449,776 4,950 (4,368) (b) 2017 1231 2016 1231 83 24 946 871 254 432 1,283 1,327 2012 169

20171231 16 (a) 2017 1231 2016 1231 30,740 42,646 60,701 24,354 91,441 67,000 (b) 2017 1231 2016 1231 26,984 21,927 64,204 45,073 91,188 67,000 253 91,441 67,000 17 2017 1231 2016 1231 20,839 17,654 6,521 5,251 550 1,875 718 596 28,628 25,376 (52) (37) 28,576 25,339 170

18 (a) 2017 1231 2016 1231 1,179,663 1,075,974 367,665 290,114 125,558 132,376 36,165 28,315 300,616 212,326 830,004 663,131 22,389 56,173 2,032,056 1,795,278 (14,219) (11,285) (37,019) (32,349) (51,238) (43,634) 1,980,818 1,751,644 28(a) 171

20171231 18 (b) 20171231 241,125 11.87% 73,970 209,223 10.30% 104,502 142,010 6.99% 87,858 126,451 6.22% 51,066 109,268 5.38% 40,566 91,949 4.52% 39,566 62,984 3.10% 23,547 49,780 2.45% 2,054 42,237 2.08% 9,783 21,831 1.07% 4,019 82,805 4.07% 39,868 1,179,663 58.05% 476,799 830,004 40.85% 494,936 22,389 1.10% 17,075 2,032,056 100.00% 988,810 (14,219) (37,019) (51,238) 1,980,818 172

18 (b) 20161231 235,514 13.12% 69,758 160,657 8.95% 78,141 126,717 7.06% 91,907 112,165 6.25% 43,138 95,554 5.32% 46,694 92,260 5.14% 37,362 62,480 3.48% 20,526 51,275 2.86% 2,784 34,201 1.90% 7,286 28,473 1.59% 4,755 76,678 4.26% 36,509 1,075,974 59.93% 438,860 663,131 36.94% 426,392 56,173 3.13% 47,270 1,795,278 100.00% 912,522 (11,285) (32,349) (43,634) 1,751,644 173

20171231 18 (b) 20171231 11,111 (7,200) (7,287) 5,575 1,884 1 (2,399) 580 20161231 10,310 (5,509) (7,303) 8,900 1,270 (c) 2017 1231 2016 1231 591,866 491,329 451,380 391,427 754,180 695,272 234,630 217,250 2,032,056 1,795,278 (14,219) (11,285) (37,019) (32,349) (51,238) (43,634) 1,980,818 1,751,644 174

18 (d) 20171231 3 3 1 1 3 3 1 3 3 5,464 5,852 733 84 12,133 5,077 4,891 4,497 1,236 15,701 5,452 5,263 7,363 716 18,794 488 1,014 1,820 25 3,347 16,481 17,020 14,413 2,061 49,975 0.81% 0.84% 0.71% 0.10% 2.46% 20161231 3 3 1 1 3 3 1 3 3 4,987 3,684 1,086 39 9,796 4,469 7,051 5,122 522 17,164 6,141 6,194 6,596 370 19,301 228 3,951 1,079 21 5,279 15,825 20,880 13,883 952 51,540 0.88% 1.17% 0.77% 0.05% 2.87% 11 175

20171231 18 (e) 20171231 (i) (ii) 1,999,664 9,607 22,785 2,032,056 1.59% (30,768) (6,251) (14,219) (51,238) 1,968,896 3,356 8,566 1,980,818 20161231 (i) (ii) 1,766,576 7,290 21,412 1,795,278 1.60% (28,591) (3,758) (11,285) (43,634) 1,737,985 3,532 10,127 1,751,644 (i) (ii) 176

18 (f) 20171231 (28,591) (3,758) (11,285) (43,634) (2,392) (4,458) (14,087) (20,937) 215 1,022 1,237 (638) (246) (884) 1,015 1,015 5,958 5,958 2,603 3,404 6,007 (30,768) (6,251) (14,219) (51,238) 20161231 (25,667) (2,369) (10,083) (38,119) (2,924) (3,903) (15,971) (22,798) 687 687 (489) (258) (747) 876 876 10,835 10,835 3,003 2,629 5,632 (28,591) (3,758) (11,285) (43,634) 177

20171231 18 (g) 20171231 382,262 18.80% 189,936 322,013 15.84% 172,218 314,516 15.48% 200,308 301,306 14.83% 174,450 235,902 11.61% 166,276 113,724 5.60% 75,007 59,033 2.91% 7,955 303,300 14.93% 2,660 2,032,056 100.00% 988,810 20161231 352,631 19.64% 183,215 303,996 16.93% 178,952 298,715 16.64% 147,435 260,592 14.52% 163,907 213,533 11.89% 157,849 109,300 6.09% 71,241 44,175 2.46% 9,923 212,336 11.83% 1,795,278 100.00% 912,522 178

18 (g) 20171231 5,281 (2,588) (6,829) 5,160 (2,304) (4,533) 5,006 (2,947) (6,992) 4,727 (2,391) (5,204) 4,483 (2,206) (5,076) 20161231 6,520 (3,299) (6,184) 4,663 (2,036) (4,987) 4,654 (1,901) (4,561) 4,599 (1,901) (5,072) 3,666 (1,699) (6,024) 50(b) 179

20171231 18 (h) 2017 1231 2016 1231 19,685 17,380 90 971 1,240 19 2017 1231 2016 1231 65,555 64,244 (7,826) (7,175) 57,729 57,069 (533) (403) (832) (1,106) 56,364 55,560 2017 1231 2016 1231 11 18,401 18,053 122 12,956 12,616 233 10,924 10,462 3 23,274 23,113 65,555 64,244 180

20 2017 2016 1231 1231 (a) 145,331 237,788 (b) 899 549 (c) 268,317 186,794 414,547 425,131 (d) 17,961 37,391 14,741 7,331 396,586 387,740 414,547 425,131 (a) 2017 2016 1231 1231 47,624 75,981 (i) 17,323 51,688 (ii) 67,837 101,600 132,784 229,269 65 88 2,340 2,458 10,142 5,973 12,547 8,519 (iii) 145,331 237,788 (i) (ii) (iii) 28(a) (iv) 201712319.5220161231 7.45 181

20171231 20 (b) 2017 2016 1231 1231 401 401 394 (5) 790 401 (1) (1) (i) 789 400 110 149 899 549 (i) (c) 2017 1231 2016 1231 268,317 186,794 268,317 186,794 (d) (e) 201611 171 1 172 574 574 20161231201711 745 1 746 207 207 20171231 952 1 953 182

21 2017 2016 1231 1231 257,283 187,965 71,603 56,567 (a) 11,340 8,576 340,226 253,108 166 410 1,612 1,353 2,714 2,741 4,492 4,504 (b) 344,718 257,612 (101) (112) 344,617 257,500 (c) 4,708 4,439 2,538 2,722 339,909 253,061 344,617 257,500 335,894 258,891 (a) (b) 28(a) (c) (d) 20176.500.19%2016 183

20171231 22 2017 2016 1231 1231 (a) 5,096 150,460 (b) 509,276 476,623 2,326 2,326 516,698 629,409 (2,122) (1,731) 514,576 627,678 (a) (b) 201612316.36 23 2017 2016 1231 1231 (a) 2,700 2,700 (b) 1,379 494 (c) 105 105 (d) 70 70 (e) 156 4,410 3,369 184

20171231 24 (i) (ii) 201711 11,170 2,266 949 5,731 3,536 23,652 234 1,224 675 460 264 2,857 (18) (1) 1 (18) (600) (129) (45) (774) (138) (1) (3) (142) 20171231 11,404 2,752 1,606 6,060 3,753 25,575 201711 (2,995) (50) (3,949) (2,271) (9,265) (349) (82) (685) (301) (1,417) 24 121 43 188 5 2 7 20171231 (3,344) (103) (4,513) (2,527) (10,487) 201711 (159) (159) 20171231 (159) (159) 20171231 7,901 2,649 1,606 1,547 1,226 14,929 186

24 (i) (ii) 201611 11,117 900 5,325 3,420 20,762 53 2,266 52 536 164 3,071 (3) (3) (130) (48) (178) 20161231 11,170 2,266 949 5,731 3,536 23,652 201611 (2,630) (3,376) (1,951) (7,957) (365) (50) (692) (354) (1,461) 119 34 153 20161231 (2,995) (50) (3,949) (2,271) (9,265) 201611 (159) (159) 20161231 (159) (159) 20161231 8,016 2,216 949 1,782 1,265 14,228 (i) 201712311.48201612311.56 (ii) 2017123126.49 2016123122.16 2017 1231 2016 1231 1050 7,807 7,967 10 94 49 7,901 8,016 187

20171231 25 2017 1231 2016 1231 6,019 6,019 (4,738) (4,738) 1,281 1,281 1999318 29 1371999318 26 (a) 20171231 20161231 30,385 7,596 22,489 5,622 30,385 7,596 22,489 5,622 188

26 (b) (i) (ii) 201711 4,512 (324) 1,434 5,622 406 687 113 1,206 768 768 20171231 4,918 1,131 1,547 7,596 (i) (ii) 201611 3,288 (1,408) 2,043 3,923 1,224 (59) (609) 556 1,143 1,143 20161231 4,512 (324) 1,434 5,622 (i) 1% (ii) (iii) 20171231277.1020161231206.29 69.282016123151.57 189

20171231 27 2017 2016 1231 1231 (a) 8,127 6,162 2,088 1,187 1,223 1,337 992 844 476 389 100 106 4,158 3,018 17,164 13,043 (a) 28 (a) 20171231 742.3120161231 733.89 (b) 2017 201712312016 123120171231 20161231 190

29 2017 1231 2016 1231 155,111 344,988 416,005 484,186 571,116 829,174 6,331 1,180 577,447 830,354 30 2017 1231 2016 1231 61,686 61,386 404 4 62,090 61,390 44,708 34,111 106,798 95,501 31 (a) 2017 1231 2016 1231 45,581 41,195 45,581 41,195 (b) 2017 1231 2016 1231 4,471 7,610 41,110 33,585 45,581 41,195 191

20171231 32 2017 2016 1231 1231 709,342 628,167 176,416 183,856 885,758 812,023 673,652 639,629 108,399 115,941 782,051 755,570 166,513 173,385 14,645 9,980 23,300 20,763 16,434 14,249 220,892 218,377 91,371 108,027 1,980,072 1,893,997 (i) 196,313 167,967 96,280 58,923 292,593 226,890 2,272,665 2,120,887 (i) 2017 2016 192

33 2017 2016 1231 1231 7,452 6,992 (a) 291 126 (b) 669 658 8,412 7,776 (a) (b) 193

20171231 33 (b) (i) 2017 1231 2016 1231 669 658 (ii) 2017 2016 658 399 65 236 24 15 (63) 23 (15) (15) 669 658 41 (iii) 2017 1231 2016 1231 4.50% 3.75% 5.88% 5.88% 22.80 22.80 194

33 (b) (iv) 20171231 100 (167) 182 100 193 (137) 20161231 100 (163) 178 100 187 (133) (a)(b) 34 2017 1231 2016 1231 2,914 2,741 1,685 1,416 333 344 4,932 4,501 195

20171231 35 2017 1231 2016 1231 29,424 26,890 3,576 1,731 7,206 4,955 40,206 33,576 36 2017 2016 1231 1231 (a) 6,700 6,700 (b) 52,743 32,800 (c) 56,165 16,200 (d) 25,597 (e) 284,457 347,067 (f) 10,000 6,282 (g) 9,734 3,451 445,396 412,500 (a) 2017 2016 1231 1231 20276 (i) 6,700 6,700 6,700 6,700 (i) 20126767.00155.25% 202268 (ii) 2017123165.492016123169.57 196

36 (b) 2017 2016 1231 1231 20173 (i) 20,000 20173 (ii) 10,000 20186 (iii) 2,800 2,800 20202 (iv) 27,970 20207 (v) 21,973 52,743 32,800 (i) 20123282012200.005 4.20% (ii) 20123282012100.005 0.95% (iii) 2015616201535.003 4.00%7.00 (iv) 20172232017280.003 4.00% (v) 20177212017220.003 4.20% (vi) 20171231515.3320161231 327.36 197

20171231 36 (c) 2017 2016 1231 1231 20246 (i) 16,200 16,200 20273 (ii) 27,976 20278 (iii) 11,989 56,165 16,200 (i) 2014692014162.00106.20% 2019610 (ii) 2017322017280.0010 4.60%202236 (iii) 20178252017120.0010 4.70%2022829 (iv) 20171231537.4120161231 168.81 (d) 2017 1231 2016 1231 20173 25,597 198

36 (d) 39 24,826 5,174 30,000 (64) (13) (77) 24,762 5,161 29,923 835 835 (iv) 20171231 25,597 5,161 30,758 (i) 2017317300A 20173172023316 0.2%0.5%1.0%1.5%1.8% 2.0% A 105% (ii) A 130%130% 3,000 (iii) 4.36 A A 201712314.31 199

20171231 36 (d) (iv) 2017123113.70A32,138 (v) 20172016 (e) 20173046,866.30 20167,335.102017 7,520.2020162,482.5020171231 2,804.52201612313,428.60 (f) (g) 2017 2016 1231 1231 2019915 (i) 3,239 3,451 202038 (ii) 3,239 2020613 (iii) 3,256 9,734 3,451 (i) 20169853 2.00% (ii) 20173153 2.50% (iii) 20176653 2.09% (iv) 2017123196.772016123134.40 200

37 2017 2016 1231 1231 5,243 4,165 (a) 4,663 4,440 (b) 4,365 2,903 (c) 3,872 2,387 3,294 3,618 336 319 (d) 317 415 20 20 20,208 13,049 42,318 31,316 (a) 2017123146.632016123144.40 (b) (c) 20171231310 38.7220161231 5.1618.71 (d) 20171231 0.17201612310.17 38 2017 2016 1231 1231 A 39,810 39,810 H (a) 12,679 6,869 52,489 46,679 201

20171231 38 (a) 201762020162017 1222581,0001.00 309.57260.51 259.7858.10 201.68 AH 39 2017 2016 1231 1231 (a)(b)(c)(d) 29,947 29,947 36(d) 5,161 35,108 29,947 (a) 1 2015-6-19 5.30% 100 200 20,000 2 2016-8-8 3.90% 100 100 10,000 30,000 (53) 29,947 202

39 (b) (i) 5 5 (ii) (iii) (iv) (v) 5.125% A 5.125%A 203

39 (d) 2017 2016 1231 1231 1. 304,760 250,455 (1) 274,813 220,508 (2) 29,947 29,947 2. 676 613 (1) 676 613 (2) 40 2017 2016 1231 1231 38(a) 53,533 33,365 53,533 33,365 205

20171231 41 2017 1231 2016 1231 (1,778) 552 (46) 41 (21) (84) (1,845) 509 201611 3,982 8 (61) 3,929 (3,430) 33 (23) (3,420) 201711 552 41 (84) 509 (2,330) (87) 63 (2,354) 20171231 (1,778) (46) (21) (1,845) 42 (a) 10%50% (b) 1.5% 206

20171231 44 (a) 20171231 20171231 20161231 514,576 514,576 627,678 627,678 235,917 235,917 25,500 25,500 32,400 32,400 161,294 161,294 4,330 4,330 1,688 1,688 787,223 787,223 816,160 816,160 (b) 20171231 208

44 (b) 20171231 7,378.812016123110,289.03 20171120171231 3,056.7120167,718.68 2017 34.00201674.72 20171231 160.0020161231 2017 20171231 452017 (c) 209

20171231 45 201712312.65 20161231 20171231 81.272016123120171231 5.5020161231 2017 1231 59.5720161231 65.9325.3720161231 29.83 210

46 201311 2018 12318.50%9.50% 11.50%20181231 7.50%8.50% 10.50% 211

20171231 46 2017 1231 2016 1231 275,302 221,001 52,489 46,679 56,849 33,874 21,054 17,951 52,257 51,447 92,164 70,557 489 493 (2,276) (2,125) (1,281) (1,281) (992) (844) (3) 273,026 218,876 30,012 29,997 29,947 29,947 65 50 303,038 248,873 82,486 39,007 62,865 22,900 19,498 16,014 123 93 385,524 287,880 2,856,800 2,665,037 9.56% 8.21% 10.61% 9.34% 13.49% 10.80% 212

47 (a) 2017 1231 2016 1231 1231 147,923 241,507 11 241,507 121,964 (93,584) 119,543 (b) 2017 1231 2016 1231 5,584 6,667 37,035 66,255 37,625 141,711 67,679 26,874 147,923 241,507 48 (a) 91100000102063897J 48(b) 213

214 20171231 48 (b) (i) 20162017

215 48 (b) (i) 20162017

216 20171231 48 (b) (i) 20162017

48 (b) (ii) 2017 48(a) 11 1,597 72 1,680 (6) (422) (514) (942) 20171231 100 100 6 338 15 359 3,142 3,142 1 1 277 9,765 3,596 13,638 50 50 216,784 900 217,684 67 1 68 283 230,196 4,563 235,042 1,524 1,181 2,705 1 1 245 7,578 17,278 25,101 2 162 241 405 2 2 247 9,264 18,703 28,214 20171231 180 180 138 138 217

20171231 48 (b) (ii) 2016 48(a) 701 27 728 (8) (1,289) (676) (1,973) 20161231 2 593 2 597 5,142 5,142 1 1 190 3,000 3,190 950 950 196,460 60 196,520 192 205,196 1,012 206,400 8,434 1,204 9,638 1 1 460 9,308 12,477 22,245 109 317 426 4 4 460 17,855 13,999 32,314 20161231 180 180 201712311.80 201612311.80 218

20171231 48 (c) 2017 1231 2016 1231 6,300 71,096 9,983 14,523 454 651 1,320 2,041 17,049 10,210 1,727 4,355 1,883 341 35,840 48,964 29,293 13,601 13,917 111,896 825 570 88,385 256,275 36,655 33,821 1,995 973 3,397 15,627 19,238 13,271 1,140 1,643 4 1 (d) 220

48 (e) 2017 1231 000 2016 1231 000 20,131 20,116 1,175 1,182 669 636 20171231 20171231 (f) 117832161 2017 1231 000 2016 1231 000 13,594 14,034 17,016 18,686 221

20171231 49 2017 2016 1231 1231 353,544 381,493 42,525 230,394 40,352 22,720 152,278 130,214 24,073 7,791 4,508 4,949 91,441 67,000 28,057 24,877 1,982,212 1,750,693 409,885 423,371 345,317 258,200 514,576 627,678 23 4,410 3,369 12,244 11,977 1,281 1,281 7,361 5,348 15,128 12,164 4,029,192 3,963,519 222

49 2017 1231 2016 1231 232,500 187,000 579,031 834,288 61,592 48,879 6,552 4,368 45,581 41,195 2,271,881 2,119,882 8,242 7,631 4,905 4,352 39,780 33,174 442,596 409,700 34,174 24,592 3,726,834 3,715,061 52,489 46,679 35,108 29,947 53,533 33,365 (1,769) 478 21,054 17,951 51,442 50,633 90,501 69,405 302,358 248,458 4,029,192 3,963,519 2018328 223

20171231 50 224

50 (a) 2017 21,022 24,043 15,885 60,950 14,598 (11,210) (3,388) 35,620 12,833 12,497 60,950 6,160 22,598 2,016 30,774 (2,751) (2,751) 6 6 2 (195) (193) 227 91 2,146 2,464 586 48 22 112 768 42,593 35,572 13,735 118 92,018 (13,192) (15,368) (2,083) (159) (30,802) 29,401 20,204 11,652 (41) 61,216 (13,802) (6,163) (605) (20,570) 15,599 14,041 11,047 (41) 40,646 (956) (1,044) (136) (2,136) 2,635 1,652 202 4,489 20171231 1,536,604 993,822 1,547,255 1,685 4,079,366 1,917,280 533,771 1,329,807 1,929 3,782,787 225

20171231 50 (a) 2016 17,357 18,266 29,665 65,288 17,015 (5,936) (11,079) 34,372 12,330 18,586 65,288 6,810 16,957 4,345 28,112 223 223 5 5 21 (282) (261) 786 105 (553) 338 420 66 18 156 660 42,388 29,479 22,337 161 94,365 (13,545) (14,072) (2,515) (122) (30,254) 28,843 15,407 19,822 39 64,111 (17,806) (5,031) (1,094) (23,931) 11,037 10,376 18,728 39 40,180 (1,011) (1,036) (135) (2,182) 2,348 757 105 3,210 20161231 1,434,132 813,671 1,764,652 684 4,013,139 1,726,670 493,530 1,546,910 1,844 3,768,954 226

50 (a) 2017 2016 1231 1231 4,079,366 4,013,139 25 1,281 1,281 26 7,596 5,622 4,088,243 4,020,042 3,782,787 3,768,954 37 20 20 3,782,807 3,768,974 (b) 31 227

20171231 50 (b) 2017 14,011 13,093 29,818 12,787 8,811 8,659 3,752 1,087 92,018 2016 15,423 13,599 28,793 12,974 9,563 8,865 4,509 639 94,365 (i) 20171231 2,496 901 5,466 3,730 1,158 1,261 920 89 16,021 20161231 2,617 970 4,914 3,388 1,202 1,067 966 54 15,178 (i) 228

51 (a) 229

20171231 51 (a) 230

51 (a) 231

20171231 51 (a) (i) 54(a) 232

51 (a) (ii) 20171231 (*) (**) 22,785 714 16 1,565 316 (14,219) (533) (16) (949) (138) 8,566 181 616 178 9,607 1,179 (6,251) (90) 3,356 1,089 3 3 16,321 2 640 36 6 2,419 113 6 2,707 350 21,447 115 350 640 (4,267) (28) (160) 17,180 87 350 480 1,978,217 56,900 193,250 91,441 1,298,907 50,133 (26,501) (804) (30) (2,067) (390) 1,951,716 56,096 193,220 91,441 1,296,840 49,743 1,980,818 56,364 193,570 91,441 1,297,936 51,010 233

20171231 51 (a) (ii) 20161231 (*) (**) 21,412 501 16 4,074 279 (11,285) (403) (16) (1,092) (106) 10,127 98 2,982 173 7,290 1,216 (3,758) (94) 3,532 1,122 3 3 15,352 71 36 6 3,083 44 6 6,656 98 350 1 25,091 213 350 1 (4,519) (139) 20,572 74 350 1 1,741,485 56,355 358,609 67,000 1,316,614 38,528 (24,072) (967) (24) (1,497) (394) 1,717,413 55,388 358,585 67,000 1,315,117 38,134 1,751,644 55,560 358,935 67,000 1,318,100 39,429 * ** 234

51 (a) (iii) 2017 1231 2016 1231 16 16 (16) (16) AAAA 350 350 350 350 AAAA 193,039 383,144 BBBB 2,608 32,069 89,014 10,372 284,661 425,585 285,011 425,935 235

20171231 51 (a) (iii) 2017 1231 2016 1231 1,564 1,509 (948) (745) 616 764 AAA 722 687 AA-AA+ 17 536 A-A+ 6,715 4,981 A- 11,442 3,767 18,896 9,971 AAA 181,244 180,112 AA-AA+ 301,343 296,321 A-A+ 589 2,330 A- 2,373 11,445 11,160 494,621 492,296 514,133 503,031 236

51 (b) 237

20171231 51 (b) 100 1% 238

51 (b) (i) 20171231 3 31 15 5 1.48% 353,703 15,235 338,468 3.39% 44,754 44,754 3.39% 148,816 77,947 70,459 410 3.31% 91,441 91,441 4.44% 1,980,818 28,755 1,597,817 328,240 23,815 2,191 4.69% 56,364 265 55,775 17 307 4.13% 1,297,936 1,890 352,130 158,508 693,726 91,682 114,411 111,004 3,407 4.00% 4,088,243 157,149 2,558,332 557,224 718,258 97,280 3.10% 232,500 9,500 223,000 4.03% 577,447 509,851 67,596 2.70% 106,798 6 72,046 34,746 2.68% 45,581 44,177 1,404 1.93% 2,272,665 3,504 1,850,016 305,381 113,757 7 4.01% 445,396 233,425 92,685 56,421 62,865 102,420 90,308 9,534 2,108 469 1 2.68% 3,782,807 93,818 2,728,549 726,920 170,647 62,873 1.32% 305,436 63,331 (170,217) (169,696) 547,611 34,407 239

20171231 51 (b) (i) 20161231 3 31 15 5 1.49% 381,620 14,831 366,789 2.86% 232,630 166,543 66,087 3.20% 126,305 41,249 84,646 410 2.98% 67,000 65,000 2,000 4.57% 1,751,644 23,124 1,359,000 350,397 15,924 3,199 3.99% 55,560 44 54,023 749 89 655 4.03% 1,318,100 1,862 237,364 424,925 562,974 90,975 87,183 84,166 2,073 810 134 3.92% 4,020,042 124,027 2,292,041 929,614 579,531 94,829 3.00% 187,000 22,000 165,000 2.85% 830,354 678,441 151,913 2.45% 95,501 23 57,029 38,449 2.23% 41,195 40,448 747 1.98% 2,120,887 6,824 1,581,014 327,249 205,798 2 3.27% 412,500 106,911 276,090 6,599 22,900 81,537 73,439 6,549 996 553 2.33% 3,768,974 80,286 2,492,392 960,444 212,950 22,902 1.59% 251,068 43,741 (200,351) (30,830) 366,581 71,927 240

51 (b) (ii) 20171231100 36.372016123124.42 45.062016123152.57100 36.522016123124.48 46.942016123154.36 100 241

20171231 51 (b) 20171231 347,639 5,624 440 353,703 32,776 7,882 4,096 44,754 110,803 32,973 5,040 148,816 91,441 91,441 1,895,655 51,288 33,875 1,980,818 55,282 1,082 56,364 (i) 1,263,076 28,442 6,418 1,297,936 108,692 5,064 655 114,411 3,905,364 132,355 50,524 4,088,243 232,500 232,500 577,173 103 171 577,447 44,478 41,967 20,353 106,798 45,581 45,581 2,143,894 107,276 21,495 2,272,665 425,697 16,801 2,898 445,396 95,820 5,411 1,189 102,420 3,565,143 171,558 46,106 3,782,807 340,221 (39,203) 4,418 305,436 750,286 41,829 8,497 800,612 (ii) (46,269) 45,861 (1,612) (2,020) 242

51 (b) 20161231 376,515 4,606 499 381,620 217,010 12,734 2,886 232,630 108,790 14,987 2,528 126,305 67,000 67,000 1,683,451 45,396 22,797 1,751,644 54,833 727 55,560 (i) 1,295,605 20,138 2,357 1,318,100 83,825 2,470 888 87,183 3,887,029 101,058 31,955 4,020,042 187,000 187,000 829,623 677 54 830,354 55,207 30,650 9,644 95,501 41,195 41,195 2,031,212 72,528 17,147 2,120,887 405,481 5,049 1,970 412,500 75,911 4,210 1,416 81,537 3,625,629 113,114 30,231 3,768,974 261,400 (12,056) 1,724 251,068 676,940 19,249 5,928 702,117 (ii) (15,445) 14,656 1,462 673 (i) (ii) 243

20171231 51 (b) 2017 1231 2016 1231 0.8334 0.8956 6.5124 6.9450 20171231100 0.11201612310.06 1000.11201612 310.06 100 100 244

51 (b) 201712315 88.51201612319.62 (c) 245

20171231 51 (c) 20171231 1 3 1 3 1 15 5 311,084 42,619 353,703 350 13,736 14,739 15,108 821 44,754 65,773 12,174 70,459 410 148,816 91,441 91,441 21,518 295,944 57,647 112,607 432,562 488,521 572,019 1,980,818 263 1 1,258 2,789 10,990 32,155 8,908 56,364 (*) 2,983 235,917 23,652 82,275 158,448 702,052 92,609 1,297,936 67,144 10,774 3,369 13,879 8,857 6,949 3,439 114,411 403,342 598,991 257,879 238,832 681,316 1,230,087 677,796 4,088,243 6,000 3,500 223,000 232,500 123,571 119,431 266,849 67,596 577,447 6 28,853 43,193 34,746 106,798 41,602 2,575 1,404 45,581 1,148,728 156,707 284,619 429,516 253,088 7 2,272,665 60,218 144,029 93,010 59,673 88,466 445,396 32,094 20,596 10,364 17,437 20,677 1,252 102,420 1,304,399 433,407 755,129 866,709 333,438 89,725 3,782,807 403,342 (705,408) (175,528) (516,297) (185,393) 896,649 588,071 305,436 162,872 102,675 390,928 85,756 60 742,291 246

51 (c) 20161231 1 3 1 3 1 15 5 308,698 72,922 381,620 350 107,399 31,397 22,904 70,280 300 232,630 18,513 22,736 84,646 410 126,305 61,383 3,617 2,000 67,000 33,626 209,601 65,262 118,212 458,974 423,127 442,842 1,751,644 116 581 3,467 10,677 32,785 7,934 55,560 (*) 1,187 25,500 82,826 125,547 425,244 566,894 90,902 1,318,100 47,671 7,711 2,099 12,514 13,659 3,514 15 87,183 391,648 423,133 262,061 308,997 1,065,480 1,027,030 541,693 4,020,042 20,000 2,000 165,000 187,000 185,240 260,340 232,861 151,783 130 830,354 23 24,481 32,548 38,449 95,501 34,686 5,762 747 41,195 1,082,376 133,953 266,783 392,789 244,984 2 2,120,887 14,322 91,689 276,990 6,599 22,900 412,500 29,393 12,748 6,033 15,986 16,848 529 81,537 1,297,032 500,530 637,676 1,041,744 268,561 23,431 3,768,974 391,648 (873,899) (238,469) (328,679) 23,736 758,469 518,262 251,068 90,122 57,065 269,778 32,811 449,776 247

20171231 51 (c) 20171231 1 3 1 1 3 1 5 5 232,500 240,061 6,189 3,614 230,258 577,447 584,305 123,574 120,486 270,895 69,350 106,798 111,049 6 29,633 45,191 36,219 45,581 45,773 41,763 2,588 1,422 2,272,665 2,334,012 1,150,012 159,665 289,817 447,494 287,014 10 445,396 490,928 60,400 147,687 97,886 78,428 106,527 55,662 56,343 31,337 14,282 334 2,571 6,389 1,430 3,736,049 3,862,471 1,304,929 432,418 760,126 885,200 371,831 107,967 67 1 (8) 25 49 423,456 164,759 97,627 158,994 2,076 (425,538) (164,784) (98,886) (159,862) (2,006) (2,082) (25) (1,259) (868) 70 248

51 (c) 20161231 1 3 1 1 3 1 5 5 187,000 191,049 20,384 2,061 168,604 830,354 838,112 185,240 261,502 235,769 155,458 143 95,501 96,998 23 24,604 32,904 39,467 41,195 41,289 34,693 5,836 760 2,120,887 2,188,318 1,082,865 137,719 276,461 411,482 279,788 3 412,500 432,330 14,560 93,814 281,899 7,080 34,977 43,593 43,771 29,056 8,301 1,263 1,715 2,907 529 3,731,030 3,831,867 1,297,184 501,763 648,108 1,059,385 289,918 35,509 58 3 (3) 58 357,306 87,299 55,589 213,782 636 (356,541) (87,112) (55,112) (213,685) (632) 765 187 477 97 4 249

20171231 51 (c) 20171231 1 15 5 209,518 621 5,107 215,246 554,075 27,640 3,651 585,366 763,593 28,261 8,758 800,612 20161231 1 15 5 151,752 1,071 5,654 158,477 519,871 21,320 2,449 543,640 671,623 22,391 8,103 702,117 250

51 (d) (RCSA)(KRI)IT IT 251

20171231 52 (a) (i) (ii) (iii) (iv) 252

52 (b) (i) 21 (ii) 2017 2016 2017 2016 1231 1231 1231 1231 344,617 257,500 335,894 258,891 445,396 412,500 438,041 409,156 253

20171231 52 (b) (ii) (c) 254

52 (c) 20171231 2,017 22,168 24,185 11 11 4,075 4,075 8 426 4 438 17,851 127,480 145,331 235,917 32,400 268,317 110 110 21 21 255,903 186,570 15 442,488 292,593 292,593 6,179 6,179 370 3 373 299,142 3 299,145 255

20171231 52 (c) 20161231 534 7,209 7,743 48 48 4,536 4,536 1 398 15 414 11,742 226,046 237,788 25,500 161,294 186,794 149 149 43 43 37,926 399,526 63 437,515 226,890 226,890 4,012 4,012 330 26 356 231,232 26 231,258 256

20171231 53 2017 1231 2016 1231 147,268 120,016 147,268 120,016 54 (a) 2017 1231 2016 1231 1 9,744 10,809 11 16,714 19,580 188,788 128,088 215,246 158,477 403,717 401,420 103,295 81,424 78,169 60,611 185 185 800,612 702,117 260

54 (a) (b) 2017 1231 2016 1231 313,101 265,689 0%100% (c) 2017 1231 2016 1231 11 2,258 2,319 122 1,981 2,170 233 1,719 1,863 355 2,843 2,842 5 2,387 2,791 11,188 11,985 (d) 2017 1231 2016 1231 921 1,203 1,371 1,260 2,292 2,463 261

20171231 54 (e) 20171231 2017 1231 2016 1231 8,642 8,308 (f) 2017 1231 2016 1231 550 (g) 20171231 7.19201612318.45 37(d) 55 56 262

1 2018 100%20152016201770%80%90% 2017 1231 101.96% 250,014.42 30 245,201.03 * 2017 2016 1231 2017 1231 2016 59.93% 56.88% 63.18% 57.92% 62.45% 53.90% 78.81% 58.56% * 2017 1231 6.45% 201541 4% 263

2 20171231 132,355 30,140 20,384 182,879 (171,558) (33,786) (12,320) (217,664) 231,721 22,458 2,138 256,317 (185,860) (16,526) (9,682) (212,068) 6,658 2,286 520 9,464 11 26 38 75 20161231 101,058 19,617 12,338 133,013 (113,114) (20,347) (9,884) (143,345) 186,248 5,563 7,679 199,490 (171,592) (1,355) (10,425) (183,372) 2,600 3,478 (292) 5,786 11 28 8 47 264

3 10% 20171231 51,220 287 26,256 77,763 4,473 166 21,048 25,687 2,436 9,503 11,939 2,795 194 11,621 14,610 56,451 481 47,380 104,312 20161231 28,302 355 22,478 51,135 15,081 197 19,606 34,884 1,715 131 12,553 14,399 2,812 263 1,629 4,704 32,829 749 36,660 70,238 265

4 (a) 2017 1231 2016 1231 6,772 9,329 5,146 6,079 5,066 5,556 4,899 3,333 4,240 4,740 4,127 4,895 3,236 1,775 8 8 33,494 35,715 (b) 2017 1231 2016 1231 366 7,114 7,099 611 9,906 13,781 1 16,474 14,835 33,494 35,715 366 0.35% 0.40% 611 0.49% 0.77% 1 0.81% 0.82% 1.65% 1.99% 90 266

270

25 100033 010-63636363 010-63639066 1 100031 010-66567699 010-66567411 83 300041 022-23308501 022-23300229 1118 200120 021-63606360 021-23050088 168 400010 023-63792773 023-63792764 56 050000 0311-88628882 0311-88628883 295 030001 0351-3839008 0351-3839108 D 010096 0471-4955882 0471-4955800 4 116001 0411-39037007 0411-39037015 156 110003 024-83255555 024-23283218 2677 130061 0431-88400080 0431-88400121 278 150001 0451-53618775 0451-53618775 120 210029 025-84787610 025-84712699 188 215021 0512-68662988 0512-68668766 1 214023 0510-81802528 0510-81802535 1 310006 0571-87895358 0571-87895367 8281 315040 0574-87300888 0574-87317230 200 230001 0551-65101888 0551-65101726 270

148 350003 0591-87837378 0591-87835838 81 361004 0592-2221666 0592-2237788 399 330006 0791-86662030 0791-86665448 85 250001 0531-86155965 0531-86155800 69 266071 0532-83893801 0532-83893800 111 264000 0535-6658506 0535-6261796 18 450008 0371-65766000 0371-65766000 143 144 430014 027-82796303 027-82801976 142 410015 0731-85363527 0731-85523677 68521 510635 020-38730066 020-38730049 18 518040 0755-83053388 0755-83242955 52-1 530021 0771-5568106 0771-5568100 D E 570125 0898-68539999 0898-68520711 79 610017 028-86665566 028-86720299 28 650021 0871-63111068 0871-63111078 33 710002 029-87236013 023-87236010 165 830063 0991-6765678 0991-6765678 550001 0851-85914438 0851-85911499 555 730030 0931-8688600 0931-8688701 219 750001 0951-8773000 0951-8773080 57-7 810008 0971-6363263 0971-6236234 7 111 850000 0891-6597000 0891-6597000 1630 00852-31239888 00852-21432188 4123 03188 00822-37883700 00822-37883701 10 L-2420 00352-2666888 00352-26688124 271