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打造一流財富管理銀行 2018 中期報告 INTERIM REPORT 中國光大銀行股份有限公司 ( 於中華人民共和國註冊成立的股份有限公司 ) 股份代號 6818

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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

2018 2017 2016 1-6 1-6 (%) 1-6 27,339 30,383-10.02 32,625 18,376 15,992 14.91 13,898 52,303 46,385 12.76 47,081 (16,075) (14,351) 12.01 (15,413) (14,568) (10,030) 45.24 (9,956) 21,660 22,004-1.56 21,712 18,101 16,972 6.65 16,468 18,075 16,939 6.71 16,439 1 0.32 0.34-5.88 0.33 2 0.29 0.32-9.38 0.33 2018 2017 2016 630 1231 (%) 1231 3 5.22 5.24-0.38 4.72 4,283,277 4,088,243 4.77 4,020,042 2,232,682 2,032,056 9.87 1,795,278 4 58,035 51,238 13.27 43,634 3,978,412 3,782,807 5.17 3,768,974 2,435,534 2,272,665 7.17 2,120,887 304,865 305,436-0.19 251,068 304,179 304,760-0.19 250,455 52,489 52,489 46,679 2018 2017 2016 1-6 1-6 1-6 (%) 0.87 0.84 +0.03 0.95 5 12.36 13.76-1.40 14.55 1.39 1.32 +0.07 1.68 1.63 1.52 +0.11 1.88 35.13 34.48 +0.65 29.52 29.66 29.77-0.11 27.49 5

2018 2017 2016 630 1231 1231 (%) 1.51 1.59-0.08 1.60 6 173.04 158.18 +14.86 152.02 7 2.62 2.52 +0.10 2.43 1 == 2 =+ + 3 = 4 5 = 92010 7 6 =+ 7 =+ 2018625110.60 % 2018 2017 2016 630 1231 1231 25 56.03 59.93 63.18 25 77.93 62.45 78.81 10 1.44 1.29 2.37 50 10.12 10.00 14.62 6

20121 % 2018630 20171231 1 1 1. 2 390,327 382,345 385,524 377,381 1.1 274,760 271,960 275,302 272,412 1.2 (2,253) (6,654) (2,276) (6,675) 1.3 2 272,507 265,306 273,026 265,737 1.4 30,018 29,947 30,012 29,947 1.5 1.6 2 302,525 295,253 303,038 295,684 1.7 87,802 87,092 82,486 81,697 1.8 2. 2,884,731 2,822,136 2,669,951 2,611,528 3. 19,922 19,525 12,210 13,074 4. 174,639 172,143 174,639 172,143 5. 3,079,292 3,013,804 2,856,800 2,796,745 6. 8.85 8.80 9.56 9.50 7. 9.82 9.80 10.61 10.57 8. 12.68 12.69 13.49 13.49 1 2 ==+ =+ 7

20151 % 2018 2018 2017 2017 630 331 1231 930 6.16 6.34 6.45 5.89 302,525 304,269 303,038 272,072 4,908,768 4,801,440 4,698,240 4,621,816 20183 % 2018 2018 2017 2017 630 331 1231 930 115.77 99.68 101.96 99.27 340,983 284,312 250,014 292,264 30 294,535 285,211 245,201 294,415 8

2018-2027 9

500 E 10

42,832.771,950.344.77% 22,326.822,006.269.87%52.13% 2.4324,355.341,628.697.17% 61.22%1.14 523.0359.1812.76% 183.7623.8414.91% 35.13%0.65181.0111.29 6.65% 337.9013.981.51% 0.08173.04%14.86 12.68%9.82%8.85% 11

2018 1-6 2017 1-6 27,339 30,383 (3,044) 18,376 15,992 2,384 2,284 (1,330) 3,614 8 8 6,250 (76) 6,326 (2,235) 1,140 (3,375) 281 276 5 16,075 14,351 1,724 14,568 10,030 4,538 21,660 22,004 (344) 3,559 5,032 (1,473) 18,101 16,972 1,129 18,075 16,939 1,136 523.0359.1812.76% 52.27%13.2335.13%0.65 2018 1-6 % 2017 1-6 52.27 65.50 35.13 34.48 12.60 0.02 100.00 100.00 12

273.3920189 336.78 32.9510.84% 1.39%7BPs1.63%11 BPs % 20181-6 20171-6 2,132,556 48,606 4.60 1,901,521 41,644 4.42 59,454 1,530 5.19 59,454 1,326 4.50 1,059,684 22,962 4.37 1,340,057 26,883 4.05 350,668 2,589 1.49 358,869 2,627 1.48 302,336 5,407 3.61 384,108 6,219 3.26 3,904,698 81,094 4.19 4,044,009 78,699 3.92 81,094 78,699 2,321,485 24,227 2.10 2,169,561 20,216 1.88 1,060,452 19,820 3.77 1,047,335 18,118 3.49 431,826 9,708 4.53 529,118 9,982 3.80 3,813,763 53,755 2.84 3,746,014 48,316 2.60 53,755 48,316 27,339 30,383 1.39 1.32 1.63 1.52 13

5,266 1,696 6,962 204 204 (6,075) 2,154 (3,921) (61) 23 (38) (1,462) 650 (812) (2,893) 5,288 2,395 2,395 1,585 2,426 4,011 245 1,457 1,702 (2,187) 1,913 (274) 955 4,484 5,439 5,439 (3,044) 810.9423.953.04% 1 486.0669.6216.72% 20181-6 % 20171-6 1,234,066 28,915 4.72 1,154,698 25,702 4.49 874,122 19,088 4.40 707,907 15,339 4.37 24,368 603 4.99 38,916 603 3.12 2,132,556 48,606 4.60 1,901,521 41,644 4.42 14

2 229.6239.2114.59% 20189 3 54.078.12 13.06% 537.5554.3911.26% 1 242.2740.1119.84% % 20181-6 20171-6 1,828,682 18,855 2.08 1,722,297 16,157 1.89 702,786 2,576 0.74 662,148 2,230 0.68 1,125,896 16,279 2.92 1,060,149 13,927 2.65 492,803 5,372 2.20 447,264 4,059 1.83 173,034 345 0.40 161,604 328 0.41 319,769 5,027 3.17 285,660 3,731 2.63 2,321,485 24,227 2.10 2,169,561 20,216 1.88 2 198.2017.02 9.39% 3 97.082.742.74% 15

183.7623.8414.91% 38.9941.39% 2018 2017 1-6 1-6 19,680 16,948 861 903 13,319 9,420 815 686 502 2,256 633 481 1,706 1,561 771 964 1,073 677 (1,304) (956) 18,376 15,992 65.8865.782018 9 2018 2017 1-6 1-6 2,284 (1,330) 8 6,250 (76) (2,235) 1,140 281 276 6,588 10 16

160.7517.2412.01%29.66% 0.11 2018 2017 1-6 1-6 9,445 8,332 2,418 2,370 561 543 3,651 3,106 16,075 14,351 145.6845.3845.24% 2018 2017 1-6 1-6 14,351 9,305 14,759 9,305 (408) (2) 59 58 (106) (10) 190 361 267 125 14,568 10,030 35.5914.7329.27% 17

42,832.771,950.344.77% % 2018630 20171231 2,232,682 2,032,056 (58,035) (51,238) 2,174,647 50.77 1,980,818 48.45 61,052 1.43 56,364 1.38 24,024 0.56 44,754 1.09 376,711 8.80 353,703 8.65 27,722 0.65 40,352 0.99 1,315,179 30.70 1,302,449 31.86 214,254 5.00 240,257 5.88 29,506 0.69 28,576 0.70 15,068 0.35 14,929 0.37 1,281 0.03 1,281 0.03 9,963 0.23 7,596 0.19 33,870 0.79 17,164 0.41 4,283,277 100.00 4,088,243 100.00 18

1 22,326.822,006.269.87% 50.77%2.32 % 2018630 20171231 1,275,189 57.11 1,179,663 58.05 934,165 41.84 830,004 40.85 23,328 1.05 22,389 1.10 2,232,682 100.00 2,032,056 100.00 2 13,151.79127.30 30.70%1.16 % 2018630 20171231 258,970 19.69 24,196 1.86 145,529 11.06 112 0.01 900,373 68.46 10,195 0.78 4,513 0.35 414,547 31.83 344,617 26.46 514,576 39.50 1,315,179 100.00 1,302,449 100.00 19

3 1,777.30839.41 80.09% % 2018630 20171231 10,402 5.85 911 0.97 24,993 14.06 142,335 80.09 19,663 20.97 73,215 78.06 177,730 100.00 93,789 100.00 4 % 1 9,670 4.98 2025-01-12 2 7,210 4.39 2027-09-08 3 5,140 3.80 2036-01-25 4 4,500 4.01 2037-01-09 5 4,430 3.83 2024-01-06 6 3,560 4.73 2025-04-02 7 2,880 3.85 2024-01-09 8 2,790 3.43 2021-12-08 9 2,500 4.20 2020-04-17 10 2,420 4.89 2028-03-26 5 60.1947.3812.81 6 20

39,784.121,956.055.17% % 2018630 20171231 252,000 6.33 232,500 6.15 2,435,534 61.22 2,272,665 60.08 605,333 15.22 577,447 15.27 193,711 4.87 152,379 4.03 16 9,851 0.25 6,552 0.17 8,595 0.22 8,412 0.22 3,644 0.09 4,932 0.13 38,971 0.98 40,206 1.06 377,995 9.50 445,396 11.77 52,762 1.32 42,318 1.12 3,978,412 100.00 3,782,807 100.00 24,355.341,628.697.17% % 2018630 20171231 1,887,628 77.51 1,797,159 79.08 746,045 30.63 740,220 32.57 1,141,583 46.88 1,056,939 46.51 448,441 18.41 384,135 16.90 200,017 8.21 179,176 7.88 248,424 10.20 204,959 9.02 99,465 4.08 91,371 4.02 2,435,534 100.00 2,272,665 100.00 21

3,041.795.810.19% 2018 2017 630 1231 52,489 52,489 35,108 35,108 53,533 53,533 (460) (1,845) 21,054 21,054 52,258 52,257 90,197 92,164 304,179 304,760 686 676 304,865 305,436 8,697.95691.83 2018 2017 630 1231 237,768 215,246 412,183 403,717 115,048 103,295 104,611 78,169 185 185 869,795 800,612 22

1,215.12378.71 1,600.602,437.01 11.376,299.05 6,300.07 794.17674.01 % 2018630 20171231 252,106 19.77 241,125 20.44 220,177 17.27 209,223 17.74 162,981 12.78 142,010 12.04 146,239 11.47 126,451 10.72 112,129 8.79 109,268 9.26 95,078 7.46 91,949 7.79 63,427 4.97 62,984 5.34 62,491 4.90 49,780 4.22 42,230 3.31 42,237 3.58 27,753 2.18 20,221 1.71 90,578 7.10 84,415 7.16 1,275,189 100.00 1,179,663 100.00 934,165 830,004 23,328 22,389 2,232,682 2,032,056 23

% 2018630 20171231 424,766 19.02 382,262 18.80 353,798 15.85 314,516 15.48 333,800 14.95 322,013 15.84 316,648 14.18 301,306 14.83 267,184 11.97 235,902 11.61 116,449 5.22 113,724 5.60 350,556 15.70 303,300 14.93 69,481 3.11 59,033 2.91 2,232,682 100.00 2,032,056 100.00 68.97% % 2018630 20171231 692,710 31.03 591,866 29.13 521,190 23.34 451,380 22.21 771,492 34.55 754,180 37.11 247,290 11.08 234,630 11.55 2,232,682 100.00 2,032,056 100.00 24

2018630 % A 5,622 0.24 1.44 B 4,900 0.22 1.26 C 4,600 0.21 1.18 D 4,274 0.19 1.09 E 3,730 0.17 0.96 F 3,577 0.16 0.92 G 3,490 0.16 0.89 H 3,246 0.15 0.83 I 3,053 0.14 0.78 J 3,000 0.13 0.77 39,492 1.77 10.12 337.9013.981.51%0.08 % 2018630 20171231 2,146,408 96.14 1,939,378 95.44 52,484 2.35 60,286 2.97 14,479 0.65 10,204 0.50 11,390 0.51 13,875 0.68 7,921 0.35 8,313 0.41 2,232,682 100.00 2,032,056 100.00 2,198,892 98.49 1,999,664 98.41 33,790 1.51 32,392 1.59 25

% 2018 2017 2016 630 1231 1231 0.94 1.68-0.74 3.31 18.63 22.49-3.86 26.78 70.74 57.69 +13.05 62.17 6.58 36.18-29.60 25.66 1 2018630 % 20171231 18,663 0.84 19,685 0.97 90 1,353 0.06 971 0.05 2 % 2018630 20171231 22,673 67.10 22,785 70.34 11,117 32.90 9,607 29.66 33,790 100.00 32,392 100.00 26

% 2018630 20171231 5,332 15.78 5,281 16.30 5,305 15.70 5,006 15.45 4,846 14.34 4,727 14.59 4,498 13.31 5,160 15.94 3,838 11.36 2,827 8.73 3,555 10.52 4,483 13.84 6,408 18.97 4,900 15.13 8 0.02 8 0.02 33,790 100.00 32,392 100.00 % 2018630 20171231 11,571 34.24 11,111 34.30 6,844 20.26 7,646 23.60 1,032 3.05 223 0.69 907 2.68 989 3.05 586 1.73 275 0.85 557 1.65 1,164 3.59 297 0.88 269 0.83 247 0.73 247 0.76 219 0.65 136 0.42 413 1.23 725 2.25 22,673 67.10 22,785 70.34 11,117 32.90 9,607 29.66 33,790 100.00 32,392 100.00 27

% 2018630 20171231 8,752 25.90 7,597 23.45 11,382 33.69 11,280 34.83 11,722 34.69 11,218 34.63 1,934 5.72 2,297 7.09 33,790 100.00 32,392 100.00 2018 2017 630 1231 628 494 628 494 (15) (18) 613 476 2018 2017 630 1231 1 58,071 43,634 2 20,918 20,937 (6,159) (1,237) 668 884 3 (473) (1,015) (5,624) (6,007) (9,366) (5,958) 1 58,035 51,238 28

1 2 3 20181-6 20171-6 7,405 2,575 6,942 2,572 6,656 (766) 6,558 1,635 5,388 1,219 6,621 2,728 4,612 788 4,389 1,237 3,784 669 4,391 1,261 1,620 (340) 1,960 216 22,108 16,958 14,943 11,963 730 557 581 392 52,303 21,660 46,385 22,004 20181-6 20171-6 22,129 4,102 21,345 8,404 21,613 10,122 17,949 7,752 8,501 7,393 7,013 5,841 60 43 78 7 52,303 21,660 46,385 22,004 29

2018 630 2017 1231 % 24,024 44,754-46.32 27,722 40,352-31.30 10,195 4,513 125.90 62,454 91,441-31.70 258,970 24,196 145,529 112 9 900,373 414,547 344,617 514,576 9,963 7,596 31.16 9 33,870 17,164 97.33 159,107 106,798 48.98 9,851 6,552 50.35 (460) (1,845) -75.07 9 2018 1-6 2017 1-6 1,304 956 36.40 2,284 (1,330) 9 6,250 (76) 9 (2,235) 1,140 14,568 10,030 45.24 660 (1,388) 9 30

1 28,628 72,179 71,297 29,510 2 2018 630 2017 1231 4 52 (48) 1 2018 630 2017 1231 25,355 8,693 16,662 2 2018 630 2017 1231 621 566 55 31

1 18,919.25909.77 5.05%12,751.89955.268.10% 2 e 1,000 1,112.65132.2513.49% 28.142.42 3 1531,181150 200 4 3,523.8619.88% 1 I/II 5,436.09718.9215.24% 32

2 5,838.63544.7510.29% 1,008.32 3 31,7871,2974.25% 3,072.54219.447.69% 4 (1) ++ 6,298232 (2) VISA 5,130.93604.60 10,647.3043.51%3,512.30 15.94%182.4640.68% 5 2,700 786.91153.48%4.64139.18% 5,451.5131.61%217.71181.41 4,078.96543.84 33

1 5,578.54 13.02%56.19%11.84 2 6,053.33 3 9,734.892.57 4 6.9454,990.58 etcl 3.0 VIP 9.0 34

44.10 % 270,000 333,000 90 22,986 10,500 10,500 70 789 7,000 7,000 70 161 16 100 586 2,000 100-115.52 9,750 7,500 2.56 702,100 1 2 3 35

2010537 692.8158.552.30 200991.5 7.942.11789 201321 9.19 1.24161 2015616 76.5512.45586 201772,000 4,911.81 1,643.92 115.52 1 2 36

2017 2017AH2018 112018 2018 39

14A 500 300 40

20172285002018 228 12 20175919.802018621 489.9020187 9.90 20188600 20186306 41

% 5,810,000,000 11.07 5,810,000,000 11.07 1 5,810,000,000 11.07 5,810,000,000 11.07 46,679,127,138 88.93 88,858 46,679,215,996 88.93 1 39,810,391,638 75.84 88,858 39,810,480,496 75.84 2 6,868,735,500 13.09 6,868,735,500 13.09 52,489,127,138 100 88,858 52,489,215,996 100 A H 229,146 921 2018630 42

% (+ ) A 11,565,940,276 22.03 H 1,782,965,000 3.40 941,000 H 12,674,035,480 24.15 H 4,200,000,000 8.00 Ocean Fortune Investment Limited H 1,605,286,000 3.06 H 1,530,397,000 2.92 A 10,250,916,094 19.53 378,782,950 A 2,060,573,303 3.93 A 1,572,735,868 3.00 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 H 12,674,035,480Ocean Fortune Investment Limited H4,200,000,0001,605,286,000 1,530,397,0001,782,965,000376,393,000H3,178,994,480 20221222 5,810,000,000 5,810,000,000 46,679,215,996 43

4,200,000,000 2022-12-22 H 1,610,000,000 2022-12-22 H 5% 5% 55.67% 5% 100% 5% 100% 5% 71.56% Ocean Fortune Investment Limited 5% 5% 5% 20181 1,600 2325348.95 44

2018630 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 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 Limited1,605,286,000H 2 1,530,397,000H 376,393,000H1,782,965,000H 83,630,000H 71.56% 55.67% 1,530,397,000H83,630,000H 3,773,385,000H 3 13,586,625,426A 1,789,292,126A (1) 1,572,735,868A (2) 148,156,258A 45

(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 201863052,489,215,99639,810,480,496A12,678,735,500H 5 2018630XV 23336 2018630 XV78 352 46

3 1360013 % 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 47

2360022 % 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 3.27 20186251 5.30%10.60 20188132 3.90%3.90 2237 48

2017317A300 299.23201745A113011 % 6,766 8,709,153,000 29.03 2,159,106,000 7.20 2,117,240,000 7.06 3 1,956,305,000 6.52 1,605,878,000 5.35 946,693,000 3.16 2 937,198,000 3.12 907,917,000 3.03 1 775,098,000 2.58 769,955,000 2.57 A 20179182023316520,000 A120,996 49

20187262017AA A 2018727 4.314.13 201775 4.26 2017627 2016A 20171226 4.31 20171222 H 2018727 4.13 2018720 2017A 4.13 20173A A2018 AAAAAA 50

1316 6 93 3 3 8 1 2018315 2 2018316 3 201849 4 2018410 5 2018521 6 2018521 7 2018621 8 2018813 9 2018822 51

1 2018110 2 2018315 3 2018410 4 2018822 1 2 3 4 5 52

43,089 1,2111539 891,0833 1 6,255 2,910,165 25 69 2,740 474,343 1 56 1,793 238,565 1118 34 1,036 75,007 83 27 903 83,880 168 53 1,300 101,390 56 34 1,039 90,913 295 18 564 40,946 D 24 690 38,962 4 36 1,183 70,055 156 35 895 52,269 2677 38 1,027 39,323 278 46 1,401 192,257 120 20 868 79,281 188 8 317 76,704 1 36 1,231 143,340 1 19 719 57,050 8281 50 1,348 132,968 200 39 1,256 68,958 1531 16 511 57,069 81 25 672 58,238 399 32 920 57,324 85 34 1,044 81,893 69 14 475 35,773 111 46 1,335 91,231 18 35 998 72,880 143-144 53

57 1,375 99,672 142 85 2,372 169,593 685 50 1,190 219,173 18 28 865 58,256 52-1 22 751 51,186 DE 27 882 86,636 79 23 713 37,169 28 37 1,079 62,657 33 7 184 10,350 165 11 345 25,649 12 308 16,361 555 4 135 4,408 219 2 81 4,016 57 7 2 54 862 7111 1 164 120,537 1630 1 33 8,038 4123 1 31 16,028 10 (2,192,964) 1,215 43,082 4,218,411 1 2 3 2,8341,614 7 54

2018-2027 11 201822820182018A2018 H2018 4 20186222017 102 85 3 4810 17222 4241 3715 55

42 2177 422 10 20172018 61 86 2017A+H 1002018 211319205 250200e 2018630 2018630 56

58179 20186302018630 34 34 2410 34 57

2018630 630 2018 2017 81,094 78,699 (53,755) (48,316) 1 27,339 30,383 19,680 16,948 (1,304) (956) 2 18,376 15,992 3 2,284 (1,330) 8 4 6,250 (76) (2,235) 1,140 281 276 52,303 46,385 5 (16,075) (14,351) 36,228 32,034 6 (14,568) (10,030) 21,660 22,004 7 (3,559) (5,032) 18,101 16,972 18,075 16,939 26 33 18,101 16,972 8 0.32 0.34 8 0.29 0.32 65179 58

2018630 630 2018 2017 18,101 16,972 3 27(b) (1) 2 1,068 (350) 210 27(b) (286) (1,959) 147 453 16 (29) 658 (1,388) 660 (1,388) 18,761 15,584 18,735 15,551 26 33 18,761 15,584 65179 59

2018630 2018 2017 630 1231 9 376,711 353,703 10 24,024 44,754 27,722 40,352 11 151,800 148,816 12 258,970 24,196 13 10,195 4,513 14 62,454 91,441 15 29,506 28,576 16 2,174,647 1,980,818 17 61,052 56,364 18 145,529 19 112 20 900,373 21 414,547 22 344,617 23 514,576 25 15,068 14,929 26 1,281 1,281 27 9,963 7,596 28 33,870 17,164 4,283,277 4,088,243 252,000 232,500 30 605,333 577,447 31 159,107 106,798 16 13 9,851 6,552 32 34,604 45,581 33 2,435,534 2,272,665 34 8,595 8,412 35 3,644 4,932 36 38,971 40,206 37 377,995 445,396 38 52,762 42,318 3,978,412 3,782,807 65179 60

2018 2017 630 1231 39 52,489 52,489 40 35,108 35,108 41 53,533 53,533 42 (460) (1,845) 43 21,054 21,054 43 52,258 52,257 90,197 92,164 304,179 304,760 686 676 304,865 305,436 4,283,277 4,088,243 2018828 65179 61

2018630 20171231 52,489 35,108 53,533 (1,845) 21,054 52,257 92,164 304,760 676 305,436 725 (9,480) (8,755) (16) (8,771) 201811 52,489 35,108 53,533 (1,120) 21,054 52,257 82,684 296,005 660 296,665 18,075 18,075 26 18,101 42 660 660 660 44 1 (1) (9,501) (9,501) (9,501) (1,060) (1,060) (1,060) 2018630 52,489 35,108 53,533 (460) 21,054 52,258 90,197 304,179 686 304,865 201711 46,679 29,947 33,365 509 17,951 51,447 70,557 250,455 613 251,068 16,939 16,939 33 16,972 (1,388) (1,388) (1,388) 5,161 5,161 5,161 1 (1) (4,575) (4,575) (3) (4,578) (1,060) (1,060) (1,060) 2017630 46,679 35,108 33,365 (879) 17,951 51,448 81,860 265,532 643 266,175 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 42 (2,354) (2,354) (2,354) 5,810 20,168 25,978 25,978 5,161 5,161 5,161 44 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 65179 62

2018630 630 2018 2017 18,101 16,972 14,568 10,030 1,059 1,065 (473) (468) (8) (112) 222 (6,250) 76 (548) (7) (1,736) 1,337 9,708 9,982 3 2 3,559 5,032 37,871 44,243 38,421 55,013 (2,269) 17,854 (215,875) (174,668) 28,979 (30,264) (9,316) (23,993) (160,060) (156,058) 27,886 (310,988) 52,309 26,265 (10,985) (27,122) 19,500 30,500 162,869 150,416 (4,954) (6,229) (2,924) 8,874 243,701 (128,284) 121,512 (240,099) 629,905 434,722 8 57 19 (630,007) (363,678) (1,100) (1,118) (1,137) 69,945 65179 63

2018630 630 2018 2017 123,667 (67,401) (10,956) (10,707) (1,060) (1,060) (79,417) 111,900 792 (1,906) 48(a) 41,750 (60,160) 11 147,923 241,507 630 48(b) 189,673 181,347 78,137 76,850 (44,025) (36,888) 65179 64

2018630 1992818 20108201312 B0007H111000001 91110000100011743X 2525 24 201863031 2018828 1 201834 2017 3 2017 2 201811 2017 65

66 2018630 3 3.1 2018 201811 40 2 4 9 9 15 22 2014-2016 201612 28 40 2 4 4 9 9 2017109 201911201811 9

3 3.1 2018 201452016415 9 22 2014-2016201612 28 9 3.1.1 9 201479 939 201811 201811 9 67

2018630 3 3.1 2018 3.1.1 9 9 9 51(a) 68

3 3.1 2018 3.1.1 9 (a) IAS 39IFRS 9 IAS 39 IFRS 9 (i) (i) L&R 44,754 (3) 44,751 AC L&R 148,816 (214) 148,602 AC L&R 91,441 (3) 91,438 AC L&R 1,980,818 (7,114) 1,973,704 AC/FVOCI 1,980,818 (54,486) (6,833) 1,919,499 AC 54,486 (281) 54,205 FVOCI L&R 56,364 (207) 56,157 AC FVTPL 24,196 288,918 935 314,049 FVTPL 271,363 1,473 272,836 2,341 (54) 2,287 15,214 (484) 14,730 N/A 142,459 5 142,464 FVOCI 142,459 5 142,464 N/A 109 109 FVOCI 109 109 N/A 842,254 (1,295) 840,959 AC 616 32 648 342,276 (150) 342,126 499,362 (1,177) 498,185 AFS 414,547 (414,547) N/A (142,459) (109) (271,363) (616) 69

2018630 3 3.1 2018 3.1.1 9 (a) IAS 39IFRS 9 IAS 39 IFRS 9 (i) (i) HTM 344,617 (344,617) N/A (2,341) (342,276) L&R 514,576 (514,576) N/A (15,214) (499,362) 317 1,500 1,817 4,932 (576) 4,356 (ii) FVTPL/L&R 76,524 49 76,573 FVTPL/AC (i) L&R AFS FVTPL FVOCI AC HTM N/A (ii) 70

3 3.1 2018 3.1.1 9 (b) IAS 39IFRS 9 2017 1231 2018 11 (32) (3) (35) (42) (42) (14) (214) (228) (3) (3) (52) 48 (4) (51,238) (6,833) (58,071) (2,122) 261 (1,177) (3,038) (1,365) (207) (1,572) (101) (150) (251) (947) 32 (915) (842) (842) (6) 1 (320) (325) (290) (1,497) (1,787) (5) (3) (8) 71

2018630 3 3.2 2018 16 201911 201911 23 19 201911 28 201911 17 202111 10 28 201911 2015-2017201712 72

1 630 2018 2017 2,589 2,627 406 2,785 3,631 2,438 (a) 28,915 25,702 19,088 15,339 603 603 1,530 1,326 1,370 996 (b) 22,962 26,883 81,094 78,699 3,987 3,098 12,643 12,873 2,595 1,572 13,250 12,580 1,624 1,905 5,605 3,577 3,748 2,154 595 575 (c) 9,708 9,982 53,755 48,316 27,339 30,383 (a) 20186304.732017630 4.68 (b) 2018630 7.5320176303.00 (c) 73

2018630 2 630 2018 2017 13,319 9,420 1,706 1,561 861 903 815 686 771 964 633 481 502 2,256 1,073 677 19,680 16,948 762 683 58 51 484 222 1,304 956 18,376 15,992 3 630 2018 2017 2,174 (1,285) 50 (140) 2,224 (1,425) 1 (6) 59 101 2,284 (1,330) 74

4 630 2018 2017 6,279 111 79 (9) 68 (210) (147) 3 6,250 (76) 5 630 2018 2017 7,068 6,223 912 759 369 331 143 140 953 879 9,445 8,332 1,359 1,305 696 709 201 210 162 146 2,418 2,370 561 543 3,651 3,106 16,075 14,351 75

2018630 6 2018 630 14,759 (408) 14,351 58 (106) (2) 267 14,568 2017 630 9,305 361 190 59 (10) 125 10,030 7 (a) 630 2018 2017 4,027 6,030 27(b) (306) (846) 7(b) (162) (152) 3,559 5,032 76

7 (b) 630 2018 2017 21,660 22,004 25% 25% 5,415 5,501 18 24 706 817 151 28 875 869 (i) (2,569) (1,186) 3,721 5,184 (162) (152) 3,559 5,032 (i) 8 630 2018 2017 18,075 16,939 1,060 1,060 17,015 15,879 52,489 46,679 0.32 0.34 77

2018630 8 630 2018 2017 52,489 46,679 52,489 46,679 630 2018 2017 17,015 15,879 630 429 244 17,444 16,123 52,489 46,679 6,960 4,030 59,449 50,709 0.29 0.32 78

9 2018 2017 630 1231 5,070 5,584 (a) 269,972 306,762 (b) 97,218 37,035 (c) 330 880 4,121 3,442 371,641 348,119 376,711 353,703 (a) 2018 630 2017 1231 13.5% 14.5% 5.0% 5.0% (b) (c) 201863020171231 0% 79

2018630 10 2018 630 2017 1231 10,478 35,201 331 321 10,809 35,522 13,337 9,264 24,146 44,786 (122) (32) 24,024 44,754 11 2018 630 2017 1231 22,722 23,175 106,156 109,455 128,878 132,630 23,182 16,200 152,060 148,830 (260) (14) 151,800 148,816 80

12 2018 2017 630 1231 (a) 35,957 24,185 (b) 7 11 (c) 223,006 258,970 24,196 (a) 2018 2017 630 1231 1,302 1,110 5,786 786 (i) 26,941 21,020 34,029 22,916 128 865 125 1,063 1,016 1,928 1,269 (ii) 35,957 24,185 (iii) 3,295 2,017 1,228 1,662 32,662 22,168 35,957 24,185 (i) (ii) (iii) 29(a) 81

13 (a) 2018630 1,437,702 2,746 (2,620) 1,952 5 (1) 11,718 151 (192) 607,746 7,104 (6,862) 27,627 189 (176) 2,086,745 10,195 (9,851) 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) (b) 2018 630 2017 1231 58 83 1,189 946 576 254 1,823 1,283 2012 83

2018630 14 (a) 2018 630 2017 1231 8,424 30,740 54,036 60,701 62,460 91,441 (6) 62,454 91,441 (b) 2018 630 2017 1231 4,976 26,984 55,461 64,204 60,437 91,188 2,023 253 62,460 91,441 (6) 62,454 91,441 15 2018 630 2017 1231 20,995 20,839 7,264 6,521 459 550 792 718 29,510 28,628 (4) (52) 29,506 28,576 84

16 (a) 2018 630 2017 1231 1,241,258 1,179,663 1,503 22,389 374,395 367,665 131,196 125,558 78,272 36,165 350,302 300,616 934,165 830,004 33,931 21,825 55,756 2,232,682 2,032,056 (58,035) (51,238) 2,174,647 1,980,818 (434) 29(a) 85

2018630 16 (b) 2018630 252,106 11.29% 77,338 220,177 9.86% 104,162 162,981 7.30% 95,130 146,239 6.55% 57,272 112,129 5.02% 37,845 95,078 4.26% 40,882 63,427 2.84% 23,789 62,491 2.80% 632 42,230 1.89% 10,597 27,753 1.24% 7,562 90,578 4.07% 37,874 1,275,189 57.12% 493,083 934,165 41.84% 506,115 23,328 1.04% 19,584 2,232,682 100.00% 1,018,782 (58,035) 2,174,647 (434) 86

16 (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 20,221 1.00% 6,797 84,415 4.14% 37,090 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 87

2018630 16 (b) 12 2018630 11,571 (2,808) (4,725) (5,256) 4,789 1,516 20171231 11,111 (7,200) (7,287) 5,575 1,884 1 (2,399) 580 (c) 2018 630 2017 1231 692,710 591,866 521,190 451,380 771,492 754,180 247,290 234,630 2,232,682 2,032,056 (58,035) (51,238) 2,174,647 1,980,818 (434) 88

16 (d) 2018630 3 3 1 1 3 3 1 3 3 8,275 6,696 784 35 15,790 6,732 5,831 3,168 527 16,258 4,657 4,524 5,434 1,553 16,168 1,025 401 1,249 141 2,816 20,689 17,452 10,635 2,256 51,032 0.93% 0.78% 0.48% 0.10% 2.29% 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% 11 89

2018630 16 (e) 2018630 12 2,083,438 115,454 33,790 2,232,682 1.51% (22,243) (16,941) (18,851) (58,035) 2,061,195 98,513 14,939 2,174,647 20171231 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 90

16 (f) 2018630 201811 (i) (58,071) (20,918) 6,159 9,368 5,624 (668) 473 (2) 2018630 (i) (58,035) (i) (ii) 2018630 4.342018118.42 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) 91

2018630 16 (g) 2018630 424,766 19.02% 193,393 353,798 15.85% 200,658 333,800 14.95% 178,149 316,648 14.18% 194,730 267,184 11.97% 175,414 116,449 5.22% 74,463 69,481 3.11% 1,672 350,556 15.70% 303 2,232,682 100.00% 1,018,782 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 92

16 (g) 2018630 12 5,332 (2,319) (2,249) (2,166) 5,305 (6,445) (4,168) (2,444) 4,846 (3,008) (3,290) (2,505) 4,498 (3,479) (1,532) (2,546) 3,555 (4,399) (2,852) (1,865) 23,536 (19,650) (14,091) (11,526) 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) 24,657 (12,436) (28,634) 50(b) 93

2018630 16 (h) 2018 630 2017 1231 18,663 19,685 90 1,353 971 17 2018 2017 630 1231 71,975 65,555 (9,471) (7,826) 62,504 57,729 (1,452) (1,365) (i) 61,052 56,364 2018 630 2017 1231 11 19,250 18,401 122 14,099 12,956 233 11,889 10,924 3 26,737 23,274 71,975 65,555 (i) 29(a) 94

18 2018630 49,391 (i) 22,169 (ii) 57,737 129,297 2,824 13,408 16,232 (iii) (iv) 145,529 (v) 27,537 18,491 117,992 145,529 (i) (ii) (iii) 3.83 (iv) 29(a) (v) 95

2018630 19 2018630 (i) 112 (ii) 14 98 112 (i) 2018630 1.122018111.092018630 0.08 (ii) 20 2018630 (a) 434,386 (b) 470,085 904,471 (4,098) 900,373 (c) 30,497 5,502 869,876 900,373 96

20 (a) 2018630 262,815 (i) 140,509 (ii) 24,618 427,942 439 1,826 4,179 6,444 (iii) 434,386 (1,251) 433,135 432,435 (i) (ii) (iii) 29(a) (b) (c) 97

2018630 21 20171231 (a) 145,331 (b) 899 (c) 268,317 414,547 (d) 17,961 14,741 396,586 414,547 (a) 20171231 47,624 (i) 17,323 (ii) 67,837 132,784 65 2,340 10,142 12,547 (iii) 145,331 (i) (ii) (iii) 20171231 29(a) (iv) 201712319.52 98

2018630 22 20171231 257,283 71,603 (a) 11,340 340,226 166 1,612 2,714 4,492 (b) 344,718 (101) 344,617 (c) 4,708 2,538 339,909 344,617 335,894 (a) (b) (c) (d) 29(a) 20176.500.19% 100

23 20171231 (a) 5,096 (b) 509,276 2,326 516,698 (2,122) 514,576 (a) (b) 2017 1231 24 2018 2017 630 1231 (a) 2,700 2,700 (b) 1,379 1,379 (c) 105 105 (d) 70 70 (e) 156 156 4,410 4,410 (a) 2010519 37.0090% (b) 20151196.00 0.8236554.942017 42510.000.8848578.85 16.0013.79100% 101

2018630 24 (c) 2009924 1.5070% (d) 201321 1.0070% (e) 20177 2,0007.780961.56 100% 25 (i) (ii) 201811 11,404 2,752 1,606 6,060 3,753 25,575 74 552 93 107 826 (1) (1) (16) (65) (25) (106) 36 36 2018630 11,462 2,788 2,157 6,088 3,835 26,330 201811 (3,344) (103) (4,513) (2,527) (10,487) (179) (48) (310) (159) (696) 1 62 21 84 (4) (4) 2018630 (3,522) (155) (4,761) (2,665) (11,103) 201811 (159) (159) 2018630 (159) (159) 2018630 7,781 2,633 2,157 1,327 1,170 15,068 102

25 (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 (i) 20186301.45201712311.48 (ii) 201863026.33 2017123126.49 2018 630 2017 1231 1050 7,673 7,807 10 108 94 7,781 7,901 103

2018630 26 2018 630 2017 1231 6,019 6,019 (4,738) (4,738) 1,281 1,281 1999318 29 1371999318 27 (a) 2018630 20171231 39,852 9,963 30,385 7,596 39,852 9,963 30,385 7,596 104

27 (b) (ii) (iii) 20171231 4,918 1,131 1,547 7,596 (i) 2,446 (98) 2,348 201811 7,364 1,033 1,547 9,944 (125) (448) 879 306 87 (374) (287) 2018630 7,326 211 2,426 9,963 (ii) (iii) 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) (iii) (iv) 1% 2018630303.8020171231277.10 75.952017123169.28 105

2018630 28 2018 2017 630 1231 (a) 24,734 8,127 2,481 2,088 1,091 1,223 971 992 613 476 97 100 3,883 4,158 33,870 17,164 (a) 29 (a) 2018630 751.9720171231 742.31 (b) 2018630 201863020171231 2018630 20171231 106

30 2018 630 2017 1231 133,000 155,111 465,976 416,005 598,976 571,116 6,357 6,331 605,333 577,447 31 2018 630 2017 1231 97,539 61,686 9,104 404 106,643 62,090 51,885 44,708 579 52,464 44,708 159,107 106,798 107

2018630 32 (a) 2018 630 2017 1231 34,571 45,581 33 34,604 45,581 (b) 2018 630 2017 1231 3,678 4,471 30,926 41,110 34,604 45,581 108

33 2018 2017 630 1231 725,650 709,342 196,102 176,416 921,752 885,758 693,650 673,652 111,510 108,399 805,160 782,051 152,755 166,513 15,674 14,645 24,000 23,300 16,000 16,434 208,429 220,892 99,465 91,371 2,034,806 1,980,072 (i) 264,535 196,313 136,193 96,280 400,728 292,593 2,435,534 2,272,665 (i) 201863062017 109

2018630 34 2018 2017 630 1231 7,517 7,452 (a) 409 291 (b) 669 669 8,595 8,412 (a) (b) (a)(b) 35 2018 630 2017 1231 1,249 2,914 2,028 1,685 367 333 3,644 4,932 36 2018 630 2017 1231 29,712 29,424 2,328 3,576 6,931 7,206 38,971 40,206 110

37 2018 2017 630 1231 (a) 6,700 6,700 (b) 49,954 52,743 (c) 56,167 56,165 (d) 26,112 25,597 (e) 219,956 284,457 (f) 4,899 10,000 (g) 14,207 9,734 377,995 445,396 (a) 2018 2017 630 1231 20276 (i) 6,700 6,700 6,700 6,700 (i) (ii) 20126767.0015 5.25%202268 201863068.232017123165.49 (b) 2018 2017 630 1231 20186 (i) 2,800 20202 (ii) 27,976 27,970 20207 (iii) 21,978 21,973 49,954 52,743 (i) (ii) (iii) (iv) 2015616201535.00 34.00%201712317.00 20172232017280.003 4.00% 20177212017220.003 4.20% 2018630496.3420171231 515.33 111

2018630 37 (c) 2018 2017 630 1231 20246 (i) 16,200 16,200 20273 (ii) 27,978 27,976 20278 (iii) 11,989 11,989 56,167 56,165 (i) 2014692014162.0010 6.20%2019610 (ii) 2017322017280.0010 4.60%202236 (iii) 20178252017120.0010 4.70%2022829 (iv) 2018630561.8120171231 537.41 (d) 2018 630 2017 1231 201736 26,112 25,597 112

37 (d) 40 24,826 5,174 30,000 (64) (13) (77) 24,762 5,161 29,923 835 835 20171231 25,597 5,161 30,758 515 515 (iv) 2018630 26,112 5,161 31,273 (i) (ii) (iii) (iv) (v) 2017317300A 20173172023316 0.2%0.5%1.0%1.5%1.8% 2.0% A 105% A 130%130% 3,000 4.36 A A 20186304.31 201863052.00A2017123113.70 120,9962017123132,138 20186300.602017630 113

2018630 37 (e) 2018630141 3,550.5020176303,371.30 20186304,186.20 20176302,804.802018630 2,180.91201712312,804.52 (f) 2018630 (g) 2018 2017 630 1231 2019915 (i) 3,294 3,239 202038 (ii) 3,294 3,239 2020613 (iii) 3,312 3,256 2021613 (iv) 2,321 2021613 (v) 1,986 14,207 9,734 (i) (ii) (iii) (iv) (v) (vi) 20169853 2.00% 20173153 2.50% 20176653 2.09% 20186633 0.43% 20186633 3.18% 2018630141.212017123196.77 114

38 2018 2017 630 1231 9,521 20 (a) 6,247 4,365 (b) 5,360 3,872 (c) 4,730 4,663 3,657 3,294 (d) 1,896 317 705 5,243 358 336 20,288 20,208 52,762 42,318 (a) (b) 2018630310 53.602017123138.72 (c) 201863047.302017123146.63 (d) 20186300.172017 12310.17 39 2018 630 2017 1231 A 39,810 39,810 H 12,679 12,679 52,489 52,489 AH 115

2018630 40 2018 2017 630 1231 (a)(b)(c)(d) 29,947 29,947 37(d) 5,161 5,161 35,108 35,108 (a) 1 2015-6-19 5.30% 100 200 20,000 2 2016-8-8 3.90% 100 100 10,000 30,000 (53) 29,947 116

40 (b) (i) 5 5 (ii) (iii) 117

2018630 40 (b) (iv) (v) 5.125% A 5.125%A A A (1) (2) (vi) 5 118

40 (c) 201811 2018630 300 29,947 300 29,947 201711 20171231 300 29,947 300 29,947 (d) 2018 2017 630 1231 304,179 304,760 274,232 274,813 29,947 29,947 686 676 686 676 41 2018 630 2017 1231 53,533 53,533 119

2018630 42 2018 630 2017 1231 10 (21) (21) (11) (21) (1,043) 624 (1,778) (30) (46) (449) (1,824) (460) (1,845) 201711 552 41 (84) 509 (2,330) (87) 63 (2,354) 20171231 (1,778) (46) (21) (1,845) (1,948) 887 8 1,778 725 201811 (1,948) 887 8 (46) (21) (1,120) 905 (263) 2 16 660 2018630 (1,043) 624 10 (30) (21) (460) 120

2018630 44 (d) 2017662017 20166255.30% 5.3010.60 (e) 201781020172 20168113.90% 3.903.90 45 (a) 122

45 (a) 2018630 2018630 20171231 205,455 205,455 9,791 9,791 467,238 467,238 5,169 5,169 514,576 514,576 235,917 235,917 32,400 32,400 4,330 4,330 687,653 687,653 787,223 787,223 (b) 2018630 123

2018630 45 (b) 2018630 6,894.13201712317,378.81 2018112018630 6.4220176301,640.89 2018630 5.022017630 22.56 2018630 80.0020171231160.00 2018 630 2018630 462018630 (c) 124

46 20186301.41 201712312.65 2018630 81.272017123181.272018630 5.50201712315.50 2018 630 49.9320171231 59.57201863018.002017 123125.37 125

2018630 47 201311 201812318.50%9.50% 11.50%20181231 7.50%8.50%10.50% 126

47 2018 630 2017 1231 274,760 275,302 52,489 52,489 58,234 56,849 21,054 21,054 52,258 52,257 90,197 92,164 528 489 (2,253) (2,276) (1,281) (1,281) (971) (992) (1) (3) 272,507 273,026 30,018 30,012 29,947 29,947 71 65 302,525 303,038 87,802 82,486 62,867 62,865 24,856 19,498 79 123 390,327 385,524 3,079,292 2,856,800 8.85% 9.56% 9.82% 10.61% 12.68% 13.49% 48 (a) 630 2018 2017 630 189,673 181,347 11 147,923 241,507 41,750 (60,160) 127

2018630 48 (b) 2018 630 2017 630 5,070 5,739 97,218 29,667 18,745 83,432 68,640 62,509 189,673 181,347 49 (a) 91100000102063897J 49(b) 128

129 49 (b) (i)

130 2018630 49 (b) (i)

131 49 (b) (i)

2018630 49 (b) (i) 132

49 (b) (ii) 49(a) 2018630 177 101 278 (2) (208) (376) (586) 2018630 12,902 589 13,491 4 4 200 200 11 95 13 119 6,521 5,200 11,721 286 819 170 1,275 98 98 206,876 206,876 28 246 274 297 227,241 6,520 234,058 1,493 1,143 2,636 3 3 292 7,165 38,803 46,260 18 48 66 292 8,676 39,997 48,965 2018630 180 180 138 138 133

2018630 49 (b) (ii) 49(a) 2017630 713 34 747 (3) (224) (260) (487) 20171231 1 1 100 100 6 338 15 359 3,142 3,142 277 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 20186301.80 201712311.80 134

2018630 49 (c) 2018 630 2017 1231 7,345 6,300 21,664 9,983 34,210 454 2,920 1,320 978 17,049 1,098 1,727 2,465 1,883 12,878 59,856 35,840 29,293 13,917 1 825 58,516 88,385 77,471 36,655 2,502 1,995 2,232 3,397 26,051 19,238 439 1,140 3 4 (d) 136

49 (e) 630 2018 2017 8,977 8,410 615 567 362 311 (f) 117832161 2018 630 2017 1231 13,332 13,594 16,555 17,016 50 137

2018630 50 138

50 (a) 2018630 10,463 14,006 2,870 27,339 8,099 (7,077) (1,022) 18,562 6,929 1,848 27,339 3,277 14,626 473 18,376 2,284 2,284 8 8 (62) 1 6,311 6,250 147 42 (2,424) (2,235) 205 15 9 52 281 22,129 21,613 8,501 60 52,303 (7,053) (7,976) (1,029) (17) (16,075) 15,076 13,637 7,472 43 36,228 (10,974) (3,515) (79) (14,568) 4,102 10,122 7,393 43 21,660 (507) (482) (70) (1,059) 490 543 67 1,100 2018630 1,667,524 1,046,532 1,557,374 603 4,272,033 2,010,232 602,586 1,353,782 2,291 3,968,891 139

2018630 50 (a) 2017630 10,065 11,390 8,928 30,383 7,297 (4,486) (2,811) 17,362 6,904 6,117 30,383 3,696 10,972 1,324 15,992 (1,330) (1,330) 3 (79) (76) 118 54 968 1,140 169 16 13 78 276 21,345 17,949 7,013 78 46,385 (6,845) (6,812) (623) (71) (14,351) 14,500 11,137 6,390 7 32,034 (6,096) (3,385) (549) (10,030) 8,404 7,752 5,841 7 22,004 (528) (496) (41) (1,065) 541 536 41 1,118 20171231 1,536,604 993,822 1,547,255 1,685 4,079,366 1,917,280 533,771 1,329,807 1,929 3,782,787 140

50 (a) 2018 2017 630 1231 4,272,033 4,079,366 26 1,281 1,281 27 9,963 7,596 4,283,277 4,088,243 3,968,891 3,782,787 38 9,521 20 3,978,412 3,782,807 (b) 31 141

2018630 50 (b) 2018630 6 7,405 6,656 22,108 5,388 4,612 3,784 1,620 730 52,303 2017630 6 6,942 6,558 14,943 6,621 4,389 4,391 1,960 581 46,385 (i) 2018630 2,422 845 5,838 3,660 1,161 1,218 908 84 16,136 20171231 2,496 901 5,466 3,730 1,158 1,261 920 89 16,021 (i) 142

51 (a) 143

144 2018630 51 (a)

51 (a) 12 145

146 2018630 51 (a) 12

51 (a) 30 147

2018630 51 (a) 90 12 148

51 (a) 12 12 12 149

2018630 51 (a) 12 62018630 (i) 54(a) 150

51 (a) (ii) 2018630 (*) (**) 33,790 841 366 1,561 1,819 (18,851) (498) (63) (914) (259) 14,939 343 303 647 1,560 3 3 19,285 25 36 6 317 6 55 19,657 25 (2,966) 16,691 25 2,179,235 61,638 175,840 62,460 1,307,520 66,889 (36,218) (954) (319) (6) (3,183) (365) 2,143,017 60,684 175,521 62,454 1,304,337 66,524 2,174,647 61,052 175,824 62,454 1,304,984 68,084 151

2018630 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 * 20171231 ** 152

51 (a) (iii) 2018 630 2017 1231 366 16 (63) (16) 303 AAAA 350 350 AAAA 227,705 193,039 BBBB 10,270 2,608 89,014 237,975 284,661 238,278 285,011 153

2018630 51 (a) (iii) 2018 630 2017 1231 1,561 1,564 (914) (948) 647 616 AAA 1,919 722 AA-AA+ 17 17 A-A+ 9,055 6,715 A- 7,897 11,442 18,888 18,896 AAA 117,078 181,244 AA-AA+ 70,921 301,343 A-A+ 357,291 589 A- 8,623 44,923 11,445 598,836 494,621 618,371 514,133 154

51 (b) 155

2018630 51 (b) 1001% 156

51 (b) (i) 2018630 3 31 15 5 (i) 1.49% 376,711 15,396 361,315 2.39% 24,024 325 23,699 3.91% 151,800 80,587 71,213 3.43% 62,454 62,454 4.60% 2,174,647 22,471 1,190,772 875,834 34,012 51,558 5.19% 61,052 180 47,325 12,962 585 (i) 4.37% 1,304,984 1,898 262,572 221,456 675,997 143,061 127,605 124,083 3,522 4.19% 4,283,277 164,353 2,028,724 1,181,465 710,594 198,141 3.26% 252,000 41,000 211,000 4.27% 605,333 507,212 98,121 3.04% 159,107 107,718 51,389 2.65% 34,604 33,295 1,309 2.10% 2,435,534 4,530 1,644,845 536,606 249,553 4.53% 377,995 153,360 105,225 56,543 62,867 113,839 105,030 6,872 1,445 492 2.84% 3,978,412 109,560 2,494,302 1,005,095 306,588 62,867 1.35% 304,865 54,793 (465,578) 176,370 404,006 135,274 157

2018630 51 (b) (i) : 20171231 3 31 15 5 (i) 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 (i) 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 34,407 158

159 51 (b) (i) : 20171231 (ii) 2018630100 32.532017123136.37 59.142017123145.06100 32.762017123136.52 60.592017123146.94 100

2018630 51 (b) 2018630 370,345 5,887 479 376,711 8,469 11,094 4,461 24,024 104,808 45,319 1,673 151,800 62,454 62,454 2,066,279 70,902 37,466 2,174,647 60,014 1,038 61,052 (i) 1,259,984 37,525 7,475 1,304,984 122,118 4,419 1,068 127,605 4,054,471 176,184 52,622 4,283,277 252,000 252,000 604,982 174 177 605,333 47,421 97,517 14,169 159,107 34,434 170 34,604 2,280,815 126,758 27,961 2,435,534 360,598 14,510 2,887 377,995 107,062 5,521 1,256 113,839 3,687,312 244,480 46,620 3,978,412 367,159 (68,296) 6,002 304,865 808,627 50,967 10,201 869,795 (ii) (164,613) 14,596 (2,693) (152,710) 160

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) (i) 2017 1231 (ii) 161

2018630 51 (b) 2018 630 2017 1231 0.8438 0.8334 6.6210 6.5124 2018630100 0.57201712310.11 1000.572017 12310.11 100 100 162

51 (b) 20186305 77.102017123188.51 (c) 163

2018630 51 (c) 2018630 1 3 1 3 1 15 5 274,423 102,288 376,711 303 18,078 1,970 3,673 24,024 69,539 11,048 71,213 151,800 62,454 62,454 25,767 340,656 54,883 120,025 510,386 523,863 599,067 2,174,647 251 66 1,141 2,726 11,675 34,163 11,030 61,052 (i) 2,924 205,455 7,475 39,353 222,792 682,911 144,074 1,304,984 58,974 25,411 3,869 12,947 13,847 8,992 3,565 127,605 362,642 691,954 201,331 189,772 829,913 1,249,929 757,736 4,283,277 41,000 211,000 252,000 144,528 120,041 242,643 98,121 605,333 54,258 53,460 51,389 159,107 33 31,470 1,792 1,309 34,604 1,147,869 212,420 289,086 536,606 249,553 2,435,534 22,580 123,164 79,112 64,160 88,979 377,995 34,780 28,681 9,644 17,877 21,534 1,323 113,839 1,327,210 510,450 719,789 995,414 335,247 90,302 3,978,412 362,642 (635,256) (309,119) (530,017) (165,501) 914,682 667,434 304,865 281,988 355,640 1,231,991 216,734 392 2,086,745 164

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 (i) 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 (i) 2017 1231 165

2018630 51 (c) 2018630 1 3 1 1 3 1 5 5 252,000 260,304 42,330 217,974 605,333 610,608 144,528 120,878 245,510 99,692 159,107 160,434 54,730 53,818 51,886 34,604 34,654 33 31,499 1,802 1,320 2,435,534 2,496,659 1,152,310 212,601 294,082 555,864 281,802 377,995 458,999 22,640 126,702 122,224 84,114 103,319 65,017 65,935 33,279 19,878 1,011 2,216 8,057 1,494 3,929,590 4,087,593 1,330,150 504,556 722,925 1,051,176 373,973 104,813 129 (1) 2 63 64 1 587,813 192,605 87,500 300,986 6,722 (587,520) (192,797) (87,597) (300,487) (6,639) 293 (192) (97) 499 83 166

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) 70 167

2018630 51 (c) 2018630 1 15 5 230,065 731 6,972 237,768 558,119 34,870 39,038 632,027 788,184 35,601 46,010 869,795 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 (d) (RCSA)(KRI)IT 168

51 (d) IT 52 (a) (i) (ii) (iii) (iv) 169

2018630 52 (b) (i) 20 (ii) 20171231 2018 2017 2018 2017 630 1231 630 1231 433,135 432,435 344,617 335,894 377,995 445,396 375,199 438,041 170

52 (b) (ii) (c) 171

2018630 52 (c) 2018630 3,295 32,662 35,957 7 7 206,681 6,469 9,856 223,006 7,444 7,444 5 2,732 14 2,751 27,537 117,992 145,529 14 98 112 315 315 237,532 167,614 9,975 415,121 400,728 400,728 16 16 7,230 7,230 1 2,606 14 2,621 17 410,564 14 410,595 172

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 3 299,145 173

2018630 52 (c) 2018630 201811 46,723 4 98 46,825 (3) (3) 374 10 384 (11) (11) 1,748 1,748 (38,982) (38,982) 2018630 9,863 14 98 9,975 (14) (14) 374 10 384 (11) (11) 2017 201711 48 15 63 (26) (26) 1 (11) (10) 23 23 5 5 (43) (43) 20171231 11 4 15 (3) (3) (11) (11) 23 23 174

2018630 53 2018 630 2017 1231 141,528 147,268 141,528 147,268 54 (a) 2018 630 2017 1231 1 13,965 9,744 1 15,260 16,714 208,543 188,788 237,768 215,246 412,183 403,717 115,048 103,295 104,611 78,169 185 185 869,795 800,612 176

2018630 54 (d) 2018 630 2017 1231 658 921 1,583 1,371 2,241 2,292 (e) 2018630 2018 630 2017 1231 7,513 8,642 (f) 201863020171231 (g) 2018630 6.60201712317.1938 178

55 20161028 19.80201759 2018320 11.00201862120187 2017 11211.50 70%20181292018730 179

1 2018100%90% 100%100% 2018630 115.77% 340,983 30 294,535 * 2018 2018 630 2017 630 1231 2017 56.03% 57.08% 59.93% 56.88% 77.93% 48.62% 62.45% 53.90% * 2018630 6.16% 201541 4% 180

1 201871 100% =100% 2018630100.33% 2,209,224 2,201,888 100.33% 2 2018630 176,184 9,512 43,110 228,806 (244,480) (33,539) (13,081) (291,100) 371,414 8,174 2,112 381,700 (356,818) (2,100) (10,879) (369,797) (53,700) (17,953) 21,262 (50,391) 11 22 34 67 181

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 3 10% 2018630 59,003 291 32,661 91,955 9,966 169 26,476 36,611 2,658 39 10,429 13,126 8,145 132 11,699 19,976 56 56 69,806 462 54,845 125,113 182

3 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 4 (a) 2018 630 2017 1231 6,408 4,899 4,758 5,146 4,442 6,772 4,438 5,066 4,162 4,240 3,183 3,236 2,944 4,127 8 8 30,343 33,494 90 183

4 (b) 2018 630 2017 1231 366 11,590 7,114 611 5,862 9,906 1 12,891 16,474 30,343 33,494 366 0.52% 0.35% 611 0.26% 0.49% 1 0.58% 0.81% 1.36% 1.65% 90 (c) 2018 630 2017 1231 6,112 10,131 13,545 11,316 19,657 21,447 22,828 27,801 5 2018630 184

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