此年報以環保紙印刷 - PDF 免费下载

鄭州銀行股份有限公司鄭州銀行股份有限公司 BANK OF ZHENGZHOU CO., LTD. BANK OF ZHENGZHOU CO., LTD. 於中華人民共和國註冊成立的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 (A joint stock company incorporated in the People's Republic of China with limited liability) (A joint stock company incorporated in the People's Republic of China with limited liability) 股份代號 Stock Code: 6196 優先股股份代號 Preference Shares Stock Code: 4613 股份代號 Stock Code: 6196 優先股股份代號 Preference Shares Stock Code: 4613 2017 2017 年度報告 ANNUAL REPORT 年度報告 ANNUAL REPORT ANNUAL REPORT 2017 年度報告

此年報以環保紙印刷

目錄第一章公司簡介 2 第二章會計數據及主要財務指標摘要 5 第三章董事長致辭 8 第四章行長致辭 10 第五章管理層討論和分析 12 第六章股本變動及股東情況 76 第七章董事監事高級管理人員員工及機構情況 92 第八章企業管治報告 119 第九章董事會報告 160 第十章監事會報告 168 第十一章重大事項 171 第十二章內部控制與內部審計 174 第十三章獨立核數師報告 177 釋義 358 * 本年報以中英文編製倘中英文有任何歧義概以中文為準

1 * Bank of Zhengzhou Co., Ltd.* ZHENGZHOU BANK H H 6196 4613 914100001699995779 B1036H241010001 22 2818 22 +86-371-6700 9199 +86-371-6700 9898 ir@zzbank.cn www.zzbank.cn H * 155 2

2 481996 11 2000 22009 12 2015 12 6 2017 12 314,17116612153 1 4,358.282,554.071,244.56 13.53%1.50%207.75% 2017 1,000 322 16 2017 3,0002 TOP40 22017 4 2017 2017 3

3 2017 2017 62017 2017 7 2017 1,000 322 16 2017 9 2017 20163,000 2 2017 11TOP40 2 2017 11 2017 122017 4 2016 12 4

2017 12 31 12 31 2017 2017 2016 2016 2015 2014 2013 (%) 8,106 8,300 (2.34) 6,906 5,284 4,102 1,865 1,215 53.50 713 348 162 10,213 9,981 2.32 7,861 5,505 4,257 (2,752) (2,435) 13.02 (2,252) (1,842) (1,386) (1,957) (2,346) (16.58) (1,298) (497) (400) 5,548 5,257 5.54 4,362 3,203 2,507 4,334 4,045 7.14 3,356 2,463 1,902 4,280 3,999 7.03 3,357 2,463 1,902 (%) 4.58 4.00 14.50 3.46 2.89 2.42 0.80 0.75 6.67 0.85 0.62 0.48 (%) (1) 1.08 1.28 (0.20) 1.43 1.39 1.50 (2) 18.74 20.46 (1.72) 22.99 23.52 22.10 (3) 1.94 2.52 (0.58) 2.95 3.07 3.30 (4) 2.08 2.69 (0.61) 3.12 3.31 3.50 18.26 12.17 6.09 9.07 6.32 3.81 (5) 26.18 22.26 3.92 23.27 27.72 27.06 2017 5

12 31 2017 2017 2016 2016 2015 2014 2013 (6) (%) 7.93 8.79 (0.86) 10.09 8.66 10.28 10.49 8.80 1.69 10.09 8.66 10.28 13.53 11.76 1.77 12.20 11.12 12.08 7.67 5.97 1.70 6.71 5.58 6.39 (%) (7) 1.50 1.31 0.19 1.10 0.75 0.53 (8) 207.75 237.38 (29.63) 258.55 301.66 425.54 (9) 3.11 3.11 2.85 2.26 2.24 (%) 50.29 51.34 (1.05) 55.73 58.83 61.65 435,828 366,148 19.03 265,623 204,289 149,334 124,456 107,633 15.63 91,604 76,226 61,536 402,388 344,287 16.88 247,799 192,884 139,798 255,407 216,390 18.03 169,195 132,561 102,097 5,322 5,322 5,142 3,942 3,942 32,207 21,296 51.23 17,795 11,405 9,536 1,233 565 118.23 29 33,440 21,861 52.97 17,824 11,405 9,536 6

(1) (2) (3) (4) (5) (6) 2012 6 7 2013 1 1 (7) (8) (9) 2017 7

2017 2017 201743.34 2.89 7.14% 42.80 2.81 7.03% 2017 4,358.28 696.80 19.03%2,554.07 390.17 18.03%1,244.56 168.23 15.63% 20171.50% 13.53%207.75% 2017 A 2018 11.91 20 30 2018 2020 127 8

2017 1,000 322 16 3,000 2 4 12TOP40 2 2018 2017 9

2017 201720174,358.28 696.80 19.03%2,554.07 390.17 18.03%1,244.56 168.23 15.63% 43.34 2.89 7.14%1.50%13.53%207.75% 20172017 10

2017 2018 2020 2017 2018 A 2017 11

1 2017 GDP 82.76.9%2011 30% 1,351 5 1,300607 9.9%GDP 51.6% 11.1 58.8%1.3 58.8% 26.7 GDP 3.7%29.3% 0.8 2017 8.9% 11% 7.1%+ 2017 2017 44,988.167.8% 12

0.98.0% 1.4 43,890.36 10.4% 3.2 1.4% 0.5 6.8% 2017 2017 12 (M2) 167.688.2% (M1) 54.3811.8% (M0) 7.063.4% 2017 1213.53 120.1312.7% 0.60.8 13.51 1.36 164.1 9% 0.62 2017 12 2.91%3.11% 2017 12.6% 8.7% 2010 2017 13

3.4 5 10 100 2018 2018 2 2017 14

20174,358.28 696.80 19.03%2,554.07 390.17 18.03% 1,244.56 168.23 15.63% 43.34 2.89 7.14%1.50%13.53% 207.75%19 218 2 12 124 9 1 2017 21 25 226 160 416432522 2017 15

V2017 685 95 16%1,094 8,500 31 4,000 6,700 92.86%12 195 64 16

A2018 11.9120 30 127 3 12 31 2017 2016 % 18,467 15,057 3,410 22.65 (10,361) (6,757) (3,604) 53.34 8,106 8,300 (194) (2.34) 1,935 1,260 675 53.57 (70) (45) (25) 55.56 1,865 1,215 650 53.50 (475) 79 (554) (701.27) 547 208 339 162.98 170 179 (9) (5.03) 10,213 9,981 232 2.32 (2,752) (2,435) (317) 13.02 (1,957) (2,346) 389 (16.58) 5,504 5,200 304 5.85 44 57 (13) (22.81) 5,548 5,257 291 5.54 (1,214) (1,212) (2) 0.17 4,334 4,045 289 7.14 4,280 3,999 281 7.03 54 46 8 17.39 2017 17

2017 55.48 5.54% 43.34 7.14% 3.1 201781.061.942.34% 16.44 18.38 12 31 2017 2016 (6) (6) % % 122,040 6,768 5.55 104,144 6,176 5.93 (1) 194,935 9,808 5.03 153,949 7,822 5.08 33,284 495 1.49 27,118 417 1.54 (2) 31,215 886 2.84 21,670 522 2.41 8,404 510 6.07 2,013 120 5.96 389,878 18,467 4.74 308,894 15,057 4.87 229,203 4,639 2.02 189,885 3,590 1.89 (3) 75,755 2,931 3.87 61,464 1,892 3.08 64,312 2,761 4.29 36,161 1,274 3.52 947 30 3.17 31 1.00 1.77 370,217 10,361 2.80 287,541 6,757 2.35 8,106 8,300 (4) 1.94 2.52 (5) 2.08 2.69 18

(1) (2) (3) (4) (5) (6) 2017 19

12 31 20172016 (1) (2) (3) 1,061 (469) 592 2,082 (96) 1,986 95 (17) 78 230 134 364 381 9 390 3,849 (439) 3,410 743 306 1,049 440 599 1,039 992 495 1,487 30 (1) 29 2,205 1,399 3,604 (1) (2) (3) 20

3.2 2017 184.6734.10 22.65% (i) (ii)(iii) (iv) 3.2.1 2017 67.685.92 9.59% 178.96 12 31 2017 2016 % % 89,186 5,007 5.61 73,995 4,561 6.16 29,412 1,681 5.72 22,979 1,398 6.08 3,442 80 2.32 7,170 217 3.03 122,040 6,768 5.55 104,144 6,176 5.93 2017 21

3.2.2 201798.0819.86 25.39% 409.86 3.2.3 2017 8.863.64 69.73% 3.2.4 2017 5.103.90 325.00% 2016 3 23 3.3 2017 103.6136.04 53.34% (i) (ii)(iii) 22

3.3.1 2017 46.3910.49 29.22% 12 31 2017 2016 % % 78,944 412 0.52 65,459 336 0.51 67,517 2,545 3.77 46,185 1,900 4.11 146,461 2,957 2.02 111,644 2,236 2.00 15,320 74 0.48 12,863 52 0.40 48,133 1,288 2.68 40,825 939 2.30 63,453 1,362 2.15 53,688 991 1.85 19,289 320 1.66 24,553 363 1.48 229,203 4,639 2.02 189,885 3,590 1.89 2017 23

3.3.2 201729.31 10.39 54.92% 3.3.3 201727.6114.87 116.72% 281.512017 3.3.4 2.52%1.94%2.69% 2.08%(i) (ii) 24

3.4 3.4.1 201718.656.50 53.50% 12 31 2017 2016 % 1,283 540 743 137.59 409 374 35 9.36 156 117 39 33.33 77 49 28 57.14 10 180 (170) (94.44) (70) (45) (25) 55.56 1,865 1,215 650 53.50 2017 12.837.43 137.59% 2017 25

2017 4.090.35 9.36% 2017 1.560.39 33.33% 2017 0.770.28 57.14% 3.4.2 2017 4.75 2017 3.4.3 2017 5.473.39162.98% 26

3.5 201727.523.17 13.02% 12 31 2017 2016 % 1,408 1,194 214 17.92 262 213 49 23.00 203 176 27 15.34 91 77 14 18.18 79 212 (133) (62.74) 709 563 146 25.93 2,752 2,435 317 13.02 2017 27

12 31 2017 2016 % 931 801 130 16.23 203 161 42 26.09 168 145 23 15.86 60 47 13 27.66 6 7 1 (14.29) 40 33 7 21.21 1,408 1,194 214 17.92 201714.082.14 17.92% 20172016 51.16% 49.03% 2017 2.620.49 23.00% 2017 2.030.27 15.34% 2017 0.910.14 18.18% 28

2017 0.791.33 62.74% [2016]362016 5 1 2017 7.091.46 25.93% 3.6 201719.573.8916.58% 12 31 2017 2016 % 1,744 1,972 (228) (11.56) 120 285 (165) (57.89) 85 58 27 46.55 8 31 (23) (74.19) 1,957 2,346 (389) (16.58) 2017 29

3.7 2017 12.140.02 0.17% 12 31 2017 2016 % 1,496 1,587 (91) (5.73) (292) (379) 87 (22.96) 10 4 6 150.00 1,214 1,212 2 0.17 4 4.1 2017 12 314,358.28696.80 19.03% (i) (ii) 168.23395.30 30

2017 12 31 2016 12 31 % % 128,456 111,092 4,000 (3,459) 124,456 28.56 107,633 29.40 222,674 51.08 183,144 50.02 45,635 10.47 42,586 11.63 4,724 1.08 1,415 0.39 15,298 3.51 11,758 3.20 4,407 1.01 5,120 1.40 10,491 2.41 5,721 1.56 8,143 1.88 8,771 2.40 435,828 100.00 366,148 100.00 4.1.1 2017 12 311,284.56173.64 15.63% 2017 31

2017 12 31 2016 12 31 % % 92,249 71.81 81,255 73.14 34,113 26.56 24,815 22.34 2,094 1.63 5,022 4.52 128,456 100.00 111,092 100.00 (1) 2017 12 31 922.49 71.81%109.94 13.53% (i) (ii) 32

2017 12 31 2016 12 31 % % 11,742 12.73 6,455 7.95 32,551 35.28 33,424 41.13 21,741 23.57 20,198 24.86 26,215 28.42 21,178 26.06 92,249 100.00 81,255 100.00 (2) 2017 12 31341.1392.98 37.47% 2017 12 31 49.24% 82.32% 2017 33

2017 12 31 2016 12 31 % % 12,852 37.67 11,750 47.35 10,241 30.02 6,862 27.65 8,828 25.88 4,842 19.51 1,065 3.12 491 1.98 1,127 3.31 870 3.51 34,113 100.00 24,815 100.00 (3) 2017 12 3120.9429.28 58.30% 2017 4.1.2 2017 12 31 2,226.74 395.30 21.58% 2017 34

2017 12 31 2016 12 31 % % 116,471 52.30 118,225 64.55 59,268 26.62 49,671 27.12 35,086 15.76 6,302 3.44 11,849 5.32 8,946 4.89 222,674 100.00 183,144 100.00 2017 35

2017 12 31 2016 12 31 % % 20,178 9.04 14,783 8.05 30,253 13.55 32,869 17.90 6,283 2.81 6,917 3.76 7,505 3.36 4,974 2.71 64,219 28.76 59,543 32.42 73,868 33.08 52,795 28.75 58,448 26.17 45,080 24.54 26,771 11.99 26,238 14.29 223,306 100.00 183,656 100.00 (640) (520) 222,666 183,136 8 8 222,674 183,144 2017 12 312,226.66 395.30 21.59% 36

4.1.3 (i)(ii) (iii) (iv)(v) 2017 12 31 456.35 30.497.16% 2017 12 31 47.24 33.09 233.85% 2017 12 31152.9835.40 30.11% 2017 12 3144.077.13 13.93% 2017 12 31104.9147.70 83.38%2016 2017 37

4.2 2017 12 314,023.88581.01 16.88% 2017 12 31 2016 12 31 % % 1,600 0.40 77 0.02 255,407 63.47 216,390 62.85 28,934 7.19 25,808 7.50 22,348 5.55 19,106 5.55 14,086 3.50 33,251 9.66 73,170 18.18 44,660 12.97 32 0.01 (1) 6,811 1.70 4,995 1.45 402,388 100.00 344,287 100.00 (1) 4.2.1 2017 12 312,554.07390.17 18.03% 38

2017 12 31 2016 12 31 % % 88,514 34.66 77,197 35.67 79,851 31.27 54,783 25.32 168,365 65.93 131,980 60.99 19,806 7.75 16,178 7.48 47,757 18.69 44,647 20.63 67,563 26.44 60,825 28.11 19,479 7.63 23,585 10.90 255,407 100.00 216,390 100.00 4.2.2 2017 12 31 289.34 31.2612.11% 2017 39

4.2.3 2017 12 31223.4832.42 16.97% 4.2.4 2017 12 31 140.86 191.6557.64% 4.2.5 2017 12 31 731.70285.10 63.84% 40

4.3 2017 12 31334.40115.79 52.97% 2017 12 31322.07 109.11 51.23%2017 10 18 11.91 2017 12 31 2016 12 31 % % 5,322 15.91 5,322 24.35 3,055 9.14 3,053 13.97 2,055 6.15 1,633 7.47 5,520 16.51 4,528 20.71 (23) (0.07) 3 0.01 (52) (0.16) (52) (0.24) 8,504 25.43 6,809 31.15 7,826 23.40 32,207 96.31 21,296 97.42 1,233 3.69 565 2.58 33,440 100.00 21,861 100.00 2017 41

5 2017 12 31 2016 12 31 57,539 58,123 5,264 2,984 3,987 1,171 1,276 1,006 68,066 63,284 2017 12 31 6 2017 12 3119.26 1.50% 19 42

6.1 2017 12 31 2016 12 31 % % 122,264 95.18 106,383 95.76 4,266 3.32 3,252 2.93 1,361 1.06 1,041 0.94 562 0.44 415 0.37 3 1 128,456 100.00 111,092 100.00 (1) 1,926 1.50 1,457 1.31 (1) 2017 43

6.2 2017 12 31 2016 12 31 % % % % 55,640 43.31 1,315 2.36 53,609 48.25 956 1.78 36,609 28.50 303 0.83 27,646 24.89 260 0.94 2,094 1.63 5,022 4.52 94,343 73.44 1,618 1.72 86,277 77.66 1,216 1.41 12,852 10.01 225 1.75 11,750 10.58 196 1.67 10,241 7.97 3 0.03 6,862 6.18 3 0.04 8,828 6.87 73 0.83 4,842 4.36 39 0.81 1,065 0.83 2 0.19 491 0.44 1,127 0.88 5 0.44 870 0.78 3 0.34 34,113 26.56 308 0.90 24,815 22.34 241 0.97 128,456 100.00 1,926 1.50 111,092 100.00 1,457 1.31 2017 1.72% 7 44

6.3 2017 12 31 2016 12 31 % % % % 32,436 25.25 521 1.61 29,898 26.91 373 1.25 13,679 10.65 869 6.35 13,055 11.75 688 5.27 11,951 9.30 38 0.32 10,687 9.62 35 0.33 9,991 7.78 8,737 7.87 7,642 5.95 16 0.21 4,092 3.68 4 0.10 3,676 2.86 2,088 1.88 2,292 1.78 71 3.10 3,620 3.26 88 2.43 2,386 1.86 19 0.80 1,361 1.23 6 0.44 1,765 1.37 1,391 1.25 1,075 0.84 51 4.74 1,082 0.97 328 0.26 914 0.82 223 0.17 4 1.79 1,509 1.36 382 0.30 210 0.19 4,423 3.44 29 0.66 2,611 2.35 22 0.84 92,249 71.81 1,618 1.75 81,255 73.14 1,216 1.50 34,113 26.56 308 0.90 24,815 22.34 241 0.97 2,094 1.63 5,022 4.52 128,456 100.00 1,926 1.50 111,092 100.00 1,457 1.31 2017 45

2017 12 31 6.35% 4.74% 3.10% 6.4 2017 12 31 2016 12 31 % % % % 15,454 12.03 10 0.06 7,660 6.90 3 0.04 39,140 30.47 1,511 3.86 42,790 38.52 1,178 2.75 43,574 33.92 381 0.87 33,254 29.93 253 0.76 30,288 23.58 24 0.08 27,388 24.65 23 0.08 128,456 100.00 1,926 1.50 111,092 100.00 1,457 1.31 46

6.5 2017 12 3110% 2017 12 31 2017 12 31 % % A 1,298 1.01 3.12 B 1,175 0.91 2.82 C 990 0.77 2.38 D 900 0.70 2.16 E 898 0.70 2.16 F 887 0.69 2.13 G 794 0.62 1.91 H 762 0.59 1.83 I 757 0.59 1.82 J 700 0.54 1.68 9,161 7.12 22.01 2017 47

6.6 2017 12 31 2016 12 31 % % 121,579 94.65 105,989 95.41 (1) 1 90 3,582 2.79 3,218 2.90 91360 2,176 1.69 1,536 1.38 361 1,119 0.87 349 0.31 6,877 5.35 5,103 4.59 128,456 100.00 111,092 100.00 (1) 2017 12 3168.7717.74 5.35%762017 48

7 2017 12 31 2016 12 31 % % 4,316 42.27 3,895 39.03 1,369 13.40 1,035 10.37 4,358 42.67 4,872 48.81 (1) 170 1.66 179 1.79 10,213 100.00 9,981 100.00 (1) 8 2017 12 31 13.53% 10.49% 7.93%177 16986 2017 49

2017 2016 12 31 12 31 5,322 5,322 2,980 3,004 2,055 1,633 5,520 4,528 8,504 6,809 453 363 24,834 21,659 (456) (384) 24,378 21,275 7,826 60 37 32,264 21,312 7,000 5,000 2,231 2,080 121 71 9,352 7,151 41,616 28,463 307,475 242,109 7.93 8.79 10.49 8.80 13.53 11.76 50

9 9.1 9.1.1 2017 2017 12 31 1,683.6565.93% 363.85 27.57%2017 2017 51

2017 12 31943.4380.66 9.35% 922.49109.94 13.53% 71.81% 9.1.2 2017 (CRM) 52

9.2 415 2017 53

2017 22 25 2017 25 226 160 41518 59% 41643 P2P 54

2017 411.82 33.09% 9.3 9.3.1 2017 12 31676.63 67.3811.08% 2017 55

9.3.2 2017 12 31341.13 92.98 37.47% 9.3.3 2017 2017 12 31 455.57 2016 12 31 56.53 2014 10 2016 8 2017 12 31121,9999,310 189.03 201790.02 1.14 20170.67 56

9.4 2017 2017 24 2016 4,198 12 2017 12 31685.29 95.05 16.10% 35,25115,576 93.68% 2.08 2017 57

2017 12 31 24.79 126.296.16 1.8 1.5 2017 3,744 35.455.83 7.26 58

9.5 9.5.1 2017 3 2017 2017 2017 59

12 31244.29 5.61% 653.68 16.24% 9.5.2 2017 12 31 2,233.06 396.50 21.59%642.19 7.85% 1,323.16 35.19% 9.5.3 2017 12 31259 493.99 2017 547.7 174.7 46.84% 2017 60

2017 2017 474 39.5 959.5579.96 38.60% 15.13% 9.6 9.6.1 12 2017 12 311531 2017 12 311537811 64 1618675 2017 61

9.6.2 2017 12 311,461 360401256 273 1701 1,029 9.5% 203 4.1% 2010 102017 29.27 79.68% 28.72 0.56 418.88 3.63%5,726.4859.74% 2017 12 72.86 70.41 2.44 62

2013 1 9 2015 11 11 2017 31.33 33.66% 296.23 91.80%554.41 243.67% 2017 12 31 75.62 567.22 757.76 2012 72017 176.86 34.19% 2,298.71286.77%100 217.97% 2017 12 31466.97 3,370.17 143.66 2017 63

2017 12 31 4000-967585 2017 272.73 2013 10 252017 12 31 48.57 + 2017 12 3130.39 70.99 347.21 64

9.7 9.7.1 20 51% 2017 7 72017 11 1 3 2017 111.83 110.141.13 2017 65

6,000 50.2% 20175.062.933.29 193 12,500 51.2% 2017 2,500 2017 12 20 66

2017 6.824.405.24 3.63% 113 5,000 51%2017 10 19 2017 11 1 2017 11 16 2017 7,031.922,157.78 5,000 51%2017 10 19 2017 11 102017 11 28 2017 67

2017 7,714.253,116.23 9.7.2 18.53% 30.00% 25.00% 189.41 173.38 99.63 2009 9.8 2017 36 68

9.8.1 9.8.2 2017 69

1. 70

2. 9.8.3 2017 71

9.8.4 72

9.8.5 2017 73

2017 15 9.8.6 74

9.8.7 2013 2017 75

1 2016 12 31 2017 12 31 (%) (%) 3,803,931,900 71.48 0 3,803,931,900 71.48 H 1,518,000,000 28.52 0 1,518,000,000 28.52 5,321,931,900 100.00 0 5,321,931,900 100.00 2 2.1 2017 12 313,624 76

2.2 10 2017 12 3110 (%) 1 490,904,755 9.22 220,900,000 2 262,000,000 4.92 262,000,000 3 250,000,000 4.70 124,999,990 4 239,426,471 4.50 5 226,000,000 4.25 135,600,000 6 215,678,764 4.05 7 199,046,474 3.74 149,500,000 8 114,697,149 2.16 9 100,000,000 1.88 10 100,000,000 1.88 49,900,000 2017 77

2017 12 31 XV2 3 336 (%) (%) 656,163,737 17.25 12.33 1 262,000,000 6.89 4.92 2 262,000,000 6.89 4.92 2 262,000,000 6.89 4.92 250,000,000 6.57 4.70 3 250,000,000 6.57 4.70 3 250,000,000 6.57 4.70 3 250,000,000 6.57 4.70 239,426,471 6.29 4.50 78

(%) (%) 4 239,426,471 6.29 4.50 4 239,426,471 6.29 4.50 329,195,683 8.65 6.19 5 6 226,000,000 5.94 4.25 7 226,000,000 5.94 4.25 7 226,000,000 5.94 4.25 8 215,678,764 5.67 4.05 9 199,046,474 5.23 3.74 China Goldjoy Securities Limited Hong Kong Oriental Sage Limited Oriental Sage Limited H 10 289,178,000 19.04 5.43 H 254,500,000 16.77 4.78 H 11 254,500,000 16.77 4.78 China Goldjoy Credit Limited H 111,500,000 7.34 2.10 12 Stellar Result Limited H 12 111,500,000 7.34 2.10 Goldjoy Holding Limited H 12 111,500,000 7.34 2.10 2017 79

(%) (%) Great Sphere Developments Limited H 13 184,302,000 12.14 3.46 China Goldjoy Group Limited H 14 184,302,000 12.14 3.46 Tinmark Development Limited H 14 184,302,000 12.14 3.46 H 14 184,302,000 12.14 3.46 H 15 129,000,000 8.50 2.42 H 15 129,000,000 8.50 2.42 H 100,000,000 6.59 1.88 H 16 100,000,000 6.59 1.88 80

(%) (%) H 16 100,000,000 6.59 1.88 H 16 100,000,000 6.59 1.88 H 16 100,000,000 6.59 1.88 H 16 100,000,000 6.59 1.88 H 16 100,000,000 6.59 1.88 H 16 100,000,000 6.59 1.88 H 16 100,000,000 6.59 1.88 H 17 100,000,000 6.59 1.88 H 99,000,000 6.52 1.86 2017 81

(%) (%) H 18 99,000,000 6.52 1.86 CITIC Securities Company H 19 801,195,214 Limited 19 291,642,193 1,092,837,407 71.99 20.53 19 1,030,854,089 67.91 19.37 Goncius I Limited H 20 115,501,859 7.61 2.17 20 115,501,859 7.61 2.17 BNP PARIBAS SA H 21 108,282,992 7.13 2.03 Huarong International H 22 90,957,714 5.99 1.71 Financial Holdings Limited H 22 90,957,714 5.99 1.71 1 656,163,737 490,904,755 65,258,98250,000,000 50,000,000 82

2 80% 18 3 97.8% 90% 9%90% 18 4 46.43% 31.91% 45.09% 5 329,195,683 89,769,212 46.43%239,426,471 6 2017 83

7 50% 50% 8 9 90% 10% 10 China Goldjoy Securities Limited 543,674,000 11 254,500,000Hong Kong Oriental Sage Limited Hong Kong Oriental Sage LimitedOriental Sage Limited Oriental Sage LimitedHong Kong Oriental Sage Limited 12 China Goldjoy Credit Limited 111,500,000 China Goldjoy Credit Limited Stellar Result LimitedStellar Result Limited Goldjoy Holding Limited Stellar Result Limited Goldjoy Holding Limited China Goldjoy Credit Limited China Goldjoy Credit Limited111,500,000 261,500,000 13 Goldjoy Holding Limited Great Sphere Developments Limited80% Great Sphere Developments LimitedChina Goldjoy Credit Limited 111,500,000 Great Sphere Developments Limited 72,802,000 Great Sphere Developments Limited184,302,000 14 Great Sphere Developments Limited China Goldjoy Group Limited Tinmark Development Limited 48.86% Tinmark Development Limited China Goldjoy Group Limited Tinmark Development Limited Great Sphere Developments Limited 84

15 99.83% 129,000,000 16 51% 49% 60.76% 70% 17 18 39% 2017 85

19 CITIC Securities Company Limited291,642,193 H 801,195,214 H 1,030,854,089 H 1,042,837,407 H 1,030,854,089 H 245,874,582 H 796,962,825 H 1,030,854,089 H CITIC Securities Company Limited 789,645,028 H 594,834,572 H 20 Goncius I Limited 115,501,859 H 115,501,859 H 115,501,859 H 115,501,859 H 21 BNP PARIBAS SA 108,282,992 H 108,282,992 H 86

22 Huarong International Financial Holdings Limited Camellia Pacific Investment Holding Limited51% Camellia Pacific Investment Holding Limited China Huarong International Holdings Limited China Huarong International Holdings Limited Huarong Real Estate Co., Ltd. Huarong Zhiyuan Investment & Management Co., Ltd.88.10% 11.90% Huarong Real Estate Co., Ltd. Huarong Zhiyuan Investment & Management Co., Ltd. Huarong International Financial Holdings Limited 90,957,714 H 90,957,714 H 2017 12 31 336 3 5%5% 490,904,755 9.22% 165,258,982656,163,737 12.33% 89,769,212 239,426,471329,195,683 6.19% China Goldjoy Securities Limited H 289,178,000 5.43% 2017 87

CITIC Securities Company Limited291,642,193 H 801,195,214 H1,092,837,407 H 20.53%1,030,854,089 H 19.37%1,042,837,407 H 1,030,854,089 H 4 1,440,360,97927.06% 40,598,217 5 5.1 [2017]154 [2017]1736 2017 10 18 11.91 2017 10 19 ZZBNK 17USDPREF04613 100 20 59,550,000 2017 10 18 78.60 88

5.2 1 10 2017 12 31 (%) The Bank of New York Depository (Nominees) Limited 59,550,000 100 59,550,000 1. 2. 2017 89

5.3 5.4 22 37 3932 90

6 A 2016 9 27 2016A 6A 15.77% 11.27% A 2016 8 132016 7 162016 8 132016 9 27 2016 12 232016 12 29 AA2016 12 22 A2016 12 19 www.csrc.gov.cn 13.10Bwww.hkexnews.hk www.zzbank.cn 2016A 2017 4 262017 3 272017 5 19 2017 4102016 2017 A 2017 11 29A 2017 11 24 www.csrc.gov.cn A 2017 91

1 2017 12 31 1966 3 2015.6.18 2018.6.18 1965 7 2015.6.18 2018.6.18 1963 9 2016.8.4 2018.6.18 1966 5 2015.9.8 2018.6.18 1 1981 10 2017.10.27 2018.6.18 1963 7 2015.6.18 2018.6.18 1963 6 2015.6.18 2018.6.18 1976 1 2015.9.8 2018.6.18 1968 8 2015.6.18 2018.6.18 1966 12 2016.8.4 2018.6.18 1950 4 2015.6.18 2018.6.18 1957 6 2015.9.8 2018.6.18 1958 8 2015.9.8 2018.6.18 1967 5 2015.9.8 2018.6.18 1971 11 2015.9.8 2018.6.18 1 20162017 10 27 92

2 1962 9 2016.6.17 2018.6.18 1969 8 2015.6.18 2018.6.18 1971 11 2015.6.18 2018.6.18 1944 11 2015.6.18 2018.6.18 1982 4 2017.5.19 2018.6.18 1966 4 2015.6.18 2018.6.18 1968 12 2015.6.18 2018.6.18 1967 5 2015.6.18 2018.6.18 2 20162017 5 19 2017 6 242017 11 22 82018 1 19 9 1965 7 1967 8 1968 10 1977 8 1965 6 1963 4 1973 10 1972 4 1973 8 1976 6 2017 93

2 2.1 2016 2017 3 27 2016 2017 10 27 2017 11 1 2.2 2016 2017 4 182016 2017 6 24 2017 6 25 2017 6 26 2017 11 22 2017 11 22 94

2.3 2018 2017 11 22 2018 1 192018 2.4 2017 8 26 2017 11 21 2.5 2018 1 19 2018 2 28 2018 3 8 2018 2 12 2017 95

3 51 2012 22011 3 2005 92011 122012 5 25 1996 81996 82005 9 1993 51996 5 1988 62006 6 2015 1 2015 71998 12 2013 1 2015 42018 1 52 2012 22011 12 96

22 2011 121996 6 2011 11 1996 62000 10 2000 102004 7 2004 72006 4 2006 42009 92009 10 2011 111990 71996 6 1990 62008 12 2015 7 2005 12 54 2016 6 37 2016 61980 121983 8 1986 71998 12 1998 122003 9 2003 92016 52003 92012 12 2012 122015 22015 2 2016 5 2017 97

1983 81986 71998 12 1993 10 51 2015 6 2016 2 1988 71994 61994 62002 4 2002 42006 4 2006 42009 7 2009 72016 2 1988 7 2001 7 36 2017 5 2014 2 2010 92014 1 2009 72010 8 2007 122009 5 2005 72007 3 98

54 2012 2 2001 1 2015 7 00185 2016 6 1983 71991 6 1991 71995 4 1995 42001 4 1983 6 2001 7 2013 7 1997 8 55 2012 2 2003 12 2008 122012 112016 5 2017 8 2000 82003 9 2002 92003 9 1999 22000 8 1997 4 1999 21993 41997 4 1991 81993 4 1989 11991 81987 91989 11984 71987 9 2017 99

1994 72004 6 2010 11 2007 10 42 2015 6 2014 5 1996 72001 52001 52003 9 2004 102014 5 2011 6 2002 5 49 2012 2 2008 11 2009 12 2015 6 1989 81993 6 1993 72006 8 2001 11 2006 82008 10 2009 62015 1 100

1998 12 2005 6 51 2016 6 2016 1 1988 91992 31992 32004 52004 5 1988 7 67 2012 2 2002 9 2002 72013 8 2011 10 2015 12 3698 1995 122010 5 1991 2 1995 12 2008 32010 22010 122012 112010 72011 1 2012 62014 12 2012 20142013 5 2017 101

1984 7 2005 6 1993 7 60 2015 6 2014 7 2017 82017 9 2017 9 2015 42016 102014 112016 10 2012 42014 6 2003 72012 1998 11 2003 9 1997 11998 111983 91997 1 1980 31981 9 1980 31983 9 1997 12 1996 2 102

59 2015 6 2013 9 2005 72013 3 2006 12015 3 2000 72005 71982 1 2000 7 1981 12 1986 7 1989 1 2000 1 1996 5 50 2015 6 2013 11 20032004 2015 122006 8 2007 2008 9 2013 1 2013 10 2015 4 2007 52010 5 2017 103

2000 12002 12 46 2015 6 1999 2 2016 12011 8 01170 2013 52016 12 08155 2006 1 2017 32010 2009 122010 12 2010 52013 1 2014 4 2007 12 2016 122017 12 2017 42017 8 2017 42017 1 2017 9 2000 111996 11 1997 11999 2002 122008 2 2017 104

55 2016 62007 11 1996 81996 82016 6 1984 121996 8 2004 62008 3 2009 1 2015 11 48 2015 61987 61993 3 1993 32011 11 1998 52014 122005 12 2011 11 1996 12 2010 4 46 2012 21996 62013 6 2013 7 2017 105

1992 122007 1 2016 82010 1 2004 5 2012 72015 7 73 2012 21998 10 2007 12009 12009 6 2015 602318 6013182009 82012 9 002117 2010 82014 3 000961 2011 112014 11 0025682014 10 033232017 3 601231 2002 82012 7 2002 12006 121984 1991 3 1991 31993 9 1993 101999 12001 7 1991 1 106

1968 71983 11 1988 1 36 2017 52015 9 2018 1 2014 1 2015 10 2017 12 08211 2004 72009 9 2012 72015 72012 112013 12 2004 7 2006 92012 7 51 2012 22015 5 1996 81996 82015 5 1995 41996 8 2017 107

1987 9 2003 11 2007 2 49 2012 22014 2 2000 92000 92014 2 1985 32000 9 2000 12 2010 4 MBA1999 11 50 2015 52014 7 2002 22002 22014 7 1993 22002 11988 9 1993 1 1996 122003 7 2008 4 1998 52010 4 108

50 2011 12 28 2011 122003 92011 12 1996 82003 9 1990 71996 7 1990 7 2015 101995 6 49 2015 12 192010 122015 12 2006 32010 121999 62006 3 1997 101999 5 1996 81997 101995 11996 8 2017 109

1995 61999 7 2004 8 2017 61997 11 40 2009 10 9 2009 10 2009 102013 10 2013 102016 4 2007 72009 9 2000 62004 7 2007 6 2014 12 52 2011 5 33 1997 11 1997 112011 5 1985 21997 11 110

1989 62005 6 2016 6 2016 12 54 2011 925 1996 81996 82011 10 1993 41996 7 1987 71993 3 1995 7 2015 10 44 2011 1 2013 6 21 1996 82000 32011 1 1995 62008 6 1999 11 2017 111

45 2015 122005 4 24 1996 81996 82005 4 1994 72002 92005 7 2003 10 44 2017 11 26 1996 91996 92017 11 1992 71996 8 1996 12 2017 7 1996 4 112

412017 11 19 1999 81999 82017 11 1999 7 1999 5 2015 9 29 2015 11 6 12 2017 113

4 4.1 4.2 9 10 4.3 2017 12 31 1,000,000 1 1,000,001 2,000,000 2 2,000,001 3,000,000 6 114

5 3.13 33 3 6 H H 7 7.1 1,219 29% 232 5% 262 6% 569 14% 498 12% 113 3% 1,202 29% 76 2% 4,171 100% 2017 115

30 2,371 57% 3140 981 24% 4150 727 17% 50 92 2% 4,171 100% 574 14% 3,018 72% 489 12% 90 2% 4,171 100% 7.2 239 14,161 116

7.3 8 2017 12 31 22 118 48 10 278 7 A2B 1 5 7 5 5 3 3 2017 117

4 1 2 1 1 1 1 4A1 2 102 3 301 309 13 118

119 2017 1 2018

2 120

3 1 1H 1 2017 5 19 2016 2016 20162017 22 2017 121

2017 5 19 2017 2 2017 5 19 2017H 2 4 4 105 122

2017 123

4.1 153 7 5 4.2 124

4.3 4.4 2017 12 31 2017 125

4.5 10 A66 2017 2017 1 19 2017 2017 3 23 2017 3 25 2017 5 19 2017 2017 6 30 2017 2017 7 21 2017 8 26 2017 10 28 2017 2017 11 23 2017 2017 12 13 126

2017 2017 2016 H (5) (4) 10/10 2/2 0/0 10/10 2/2 0/0 10/10 2/2 0/0 10/10 2/2 (2) 2/2 (3) 9/10 (1) 3/3 10/10 2/2 10/10 4/4 9/10 (1) 4/4 (2) 9/10 (1) 5/5 10/10 4/4 3/3 9/10 (1) 3/3 10/10 5/5 2/2 10/10 5/5 2/2 10/10 2/2 2/2 (1) (2) 2016 (3) 2017 10 27 2 (4) (5) 2017 8 26 2017 127

4.6 5 3.13 A 128

5 5.1 2 2017 129

5.2 130

4 2017 131

5.3 5 132

5.4 2017 133

134

22016 20162017 2017 135

5.5 2 2016 136

5.6 2017 137

3 2016 20172017 2016 5.7 138

2017 8 26 5.8 2017 139

6 1 140

7 9 3 2017 11 22 2018 1 19 8 2017 141

142

2016 2017 143

7.1 20176 2016 2016 2016 2016 18 2017 3 25 2017 2017 4 18 2017 5 19 2017 8 26 2017 10 28 2017 11 22 144

6 6 6 6 6 5 1 6 6 3 1 2 5 5 3 3 6 6 6 6 6 6 2017 145

7.2 1 2 2017 3 2016 2016 2016 2016 2016 2018 146

2 2018 8 2017 147

9 5 6 148

10 3.29 2017 12 31 11 22 +86-371-67009199 ir@zzbank.cn +86-371-67009898 2017 149

12 12.1 150

12.2 12.3 10 12.4 1. 2. (1) (2) (3) (4) 2017 151

(5) (6) (7) (8) 13 2017 5 192016 20172017 2017 A IPO 440 155 152

14 14.1 14.2 1. 2. 3. 4. 2017 153

14.3 154

14.4 14.5 C.2.1C.2.2 2017 2017 155

15 156

16 2017 5 192016 2017 6 19 2017 3 272017 4 26 17 2017 157

18 18.1 18.2 158

18.3 3 15 LED 2017 159

2017 12 31 1 622 5 2 2.1 2018 6 152017 2018 5 162018 6 15 2018 6 13 2018 5 154 30 22 HH 183 17 1712 1716 2017 160

2.2 A 2017A 2018 3 222017 2018 6 15 2017 3 4 5 2017 12 31 6 23 2017 161

7 14A 14A 14A 39 8 9 10 9 33 162

11 12 2017 12 31 XV 352 (%) (%) 25,003 0.00066 0.00047 199,046,474 5.23 3.74 4,000 0.0001 0.00008 14,056 0.0004 0.0003 2017 12 31 2017 163

13 2017 12 31 14 15 16 17 18 439.38 164

19 2017 10 18 11.91 5.125% H H1,719,533,921 H H 20 2017 165

6S 4000-967585 21 22 23 30% 5% 166

24 A.1.8 2017 12 31 2017 167

1 65 18 20 9 3 2017 11 222018 1 19 83 168

2 2016 2017 169

2017 2017 170

1 2013 50(1) 4.58% 2016 5 20(2) 4.80% 2018 5 20 2014205.73%2024 12 15 2016 12 19 30 10 5 4.10% 2017 3 30 20 10 5 4.80% 2017 9 5 172006530 34.7% 2 3 2017 171

4 5 5% 5% 6 7 2017 12 31 8 172

9 2016 11 31.5%3,150 1.12017 151.5% 2011 1 28 1 2,000 20% 2015 2015 12 31 1.23 10 2016 2016 1,171 102.2020162017 6 15 2017 173

1 10513542 174

2017 175

2 176

186 353 2017 12 31 2017 12 31 2017 2017 177

19 20(3) 21 2(7) 178

19 20(3) 21 2(7) ( ) 2017 179

19 20(3) 21 2(7) 180

44 2(4) 2(24) 2017 181

44 2(4) 2(24) 2017 12 31 1405.53 2016 12 311110.73 375.01 2016 12 31 432.09 182

2017 183

184

10 8 2018 3 22 2017 185

2017 12 31 2017 2016 18,466,751 15,057,410 (10,360,709) (6,757,417) 3 8,106,042 8,299,993 1,935,084 1,259,800 (69,951) (45,359) 4 1,865,133 1,214,441 5 (474,716) 79,267 6 546,473 207,995 7 170,053 178,790 10,212,985 9,980,486 8 (2,753,108) (2,434,524) 11 (1,956,950) (2,346,372) 5,502,927 5,199,590 22(2) 44,333 57,443 5,547,260 5,257,033 12 (1,213,723) (1,212,447) 4,333,537 4,044,586 195 353 186

2017 12 31 2017 2016 4,280,024 3,998,768 53,513 45,818 4,333,537 4,044,586 4,333,537 4,044,586 35(4) (25,508) (7,564) 35(5) (355) 3,080 (25,863) (4,484) 4,307,674 4,040,102 4,254,161 3,994,284 53,513 45,818 4,307,674 4,040,102 13 0.80 0.75 195 353 2017 187

2017 12 31 2017 12 31 2016 12 31 14 45,635,132 42,586,362 15 4,723,649 1,414,928 16 15,297,528 11,758,215 17 11,849,297 8,946,097 18 4,407,476 5,119,568 19 124,455,942 107,633,407 20 35,086,298 6,301,789 20 59,267,821 49,671,048 20 116,470,830 118,224,916 21 10,490,994 5,721,061 22 280,191 255,195 23 1,813,326 1,698,990 24 1,270,416 969,658 25 4,779,987 5,846,738 435,828,887 366,147,972 26 1,599,550 77,000 27 28,934,366 25,808,253 28 22,348,389 19,105,611 29 32,310 30 14,085,500 33,251,370 31 255,407,398 216,389,640 666,138 589,674 32 73,170,060 44,660,446 33 6,145,811 4,404,603 402,389,522 344,286,597 195 353 188

2017 12 31 2017 12 31 2016 12 31 34 5,321,932 5,321,932 37 7,825,508 35 3,054,869 3,054,204 35 2,054,756 1,632,893 35 5,520,320 4,527,789 35 (22,667) 2,841 35 (52,614) (52,259) 36 8,503,783 6,808,978 32,205,887 21,296,378 1,233,478 564,997 33,439,365 21,861,375 435,828,887 366,147,972 2018 3 22 195 353 2017 189

2017 12 31 5,321,932 3,054,204 1,632,893 4,527,789 2,841 (52,259) 6,808,978 21,296,378 564,997 21,861,375 4,280,024 4,280,024 53,513 4,333,537 35(4)(5) (25,508) (355) (25,863) (25,863) (25,508) (355) 4,280,024 4,254,161 53,513 4,307,674 37 7,825,508 7,825,508 7,825,508 62,160 62,160 49,000 49,000 503,750 503,750 665 665 58 723 7,825,508 665 7,826,173 614,968 8,441,141 35(2) 421,863 (421,863) 35(3) 992,531 (992,531) 36 (1,170,825) (1,170,825) (1,170,825) 421,863 992,531 (2,585,219) (1,170,825) (1,170,825) 5,321,932 7,825,508 3,054,869 2,054,756 5,520,320 (22,667) (52,614) 8,503,783 32,205,887 1,233,478 33,439,365 195 353 190

2017 12 31 2016 1 1 5,141,932 2,662,564 1,237,793 3,163,200 10,405 (55,339) 5,634,285 17,794,840 29,179 17,824,019 3,998,768 3,998,768 45,818 4,044,586 35(4)(5) (7,564) 3,080 (4,484) (4,484) (7,564) 3,080 3,998,768 3,994,284 45,818 4,040,102 H 34/35 180,000 392,422 572,422 572,422 490,000 490,000 (782) (782) (782) 180,000 391,640 571,640 490,000 1,061,640 35(2) 395,100 (395,100) 35(3) 1,364,589 (1,364,589) 36 (1,064,386) (1,064,386) (1,064,386) 395,100 1,364,589 (2,824,075) (1,064,386) (1,064,386) 2016 12 31 5,321,932 3,054,204 1,632,893 4,527,789 2,841 (52,259) 6,808,978 21,296,378 564,997 21,861,375 195 353 2017 191

2017 12 31 2017 2016 5,547,260 5,257,033 1,956,950 2,346,372 261,677 212,689 (55,551) (49,375) 285,992 (190,082) (6,489) (24,456) 125,275 44,880 (546,473) (207,995) (44,333) (57,443) 2,760,789 1,274,587 (9,295,463) (7,397,630) (5,527) 989,634 1,203,053 (4,939,350) (3,710,588) (1,826,199) (4,233,434) (2,996,165) 4,010,540 (17,953,685) (17,821,042) 712,092 4,596,737 (2,995,580) (8,017,868) (358,042) (29,008) (30,356,929) (25,204,663) 195 353 192

2017 12 31 2017 2016 1,522,550 77,000 6,366,424 17,640,450 (19,165,870) 13,648,770 38,482,830 47,194,169 (1,586,923) (1,405,307) 1,766,890 882,922 27,385,901 78,038,004 (1,981,394) 54,036,394 251,568,492 210,434,494 4,663 37,985 (287,487,324) (284,556,319) (14,400) 38(b) (31,185) 8,545,294 6,674,064 38(b) 68,436 (456,476) (896,543) (27,756,915) (68,351,904) 195 353 2017 193

2017 12 31 2017 2016 572,422 7,825,508 552,750 490,000 103,216,337 60,927,564 (75,408,883) (43,486,400) (1,938,082) (1,162,156) (1,169,346) (1,067,537) (385,727) 33,078,284 15,888,166 3,339,975 1,572,656 1 1 16,122,799 14,514,260 (208,720) 35,883 12 31 38(a) 19,254,054 16,122,799 9,584,322 7,699,784 (6,381,350) 4,862,362) 195 353 194

2017 12 31 1 [2000]64 2009 10 22 B1036H241010001 410000100052554 2015 12H 06196 22 2017 195

2017 12 31 2 (1) (2) 2017 12 31 2(24) 2(7) 196

2017 12 31 2 (3) 2017 (4) 2017 197

2017 12 31 2 (4) (5) 198

2017 12 31 2 (5) (6) (7) (i) 2017 199

2017 12 31 2 (7) (i) 200

2017 12 31 2 (7) (i) 202

2017 12 31 2 (7) (i) (ii) 2017 203

2017 12 31 2 (7) (ii) 204

2017 12 31 2 (7) (ii) 2017 205

2017 12 31 2 (7) (ii) 206

2017 12 31 2 (7) (ii) 2017 207

2017 12 31 2 (7) (ii) 208

2017 12 31 2 (7) (ii) 2017 209

2017 12 31 2 (7) (ii) (iii) (iv) 210

2017 12 31 2 (7) (iv) (i) (ii) 2017 211

2017 12 31 2 (7) (v) (vi) 212

2017 12 31 2 (8) (9) 2(14) 2017 213

2017 12 31 2 (9) 2(7) 214

2017 12 31 2 (10) 2(14) 2(14) 2017 215

2017 12 31 2 (10) 20 50 5% 1.90% 4.75% 5 5% 19.00% 5 5% 19.00% 5 10 5% 9.50% 19.00% (11) (i) 216

2017 12 31 2 (11) (ii) (iii) (12) 2(14) 30 50 5 10 2017 217

2017 12 31 2 (13) (14) 218

2017 12 31 2 (14) (15) (i) 2017 219

2017 12 31 2 (15) (i) 220

2017 12 31 2 (15) (ii) 2017 221

2017 12 31 2 (16) 222

2017 12 31 2 (16) (17) (i) 2(17)(ii) 2017 223

2017 12 31 2 (17) (ii) (18) 224

2017 12 31 2 (19) (i) 2017 225

2017 12 31 2 (19) (ii) (iii) (iv) 226

2017 12 31 2 (20) (i) (ii) (21) (22) (a) (i) (ii) (iii) 2017 227

2017 12 31 2 (22) (b) (i) (ii) (iii) (iv) (v) (vi) (a) (vii) (a)(i)(a)(i) (23) 228

2017 12 31 2 (24) (i) 2017 229

2017 12 31 2 (24) (ii) (iii) (iv) 230

2017 12 31 2 (24) (v) (vi) (vii) 2017 231

2017 12 31 3 2017 2016 495,022 417,000 460,061 299,960 5,006,845 4,560,841 1,681,426 1,398,325 79,700 216,540 425,572 222,204 9,807,639 7,822,163 510,486 120,377 18,466,751 15,057,410 (29,651) (554) (2,288,404) (1,360,860) (4,639,739) (3,589,758) (642,126) (531,658) (2,760,789) (1,274,587) (10,360,709) (6,757,417) 8,106,042 8,299,993 55,551 49,375 232

2017 12 31 3 (1) (2) 2017 12 31 179.55 2016 146.33 2017 12 31 103.61 2016 67.57 4 2017 2016 1,282,361 698,590 409,320 374,214 156,455 116,631 76,942 49,457 10,006 20,908 1,935,084 1,259,800 (69,951) (45,359) 1,865,133 1,214,441 2017 233

2017 12 31 5 2017 2016 (1) (225,397) (95,104) (2) (217,009) 174,371 (32,310) (474,716) 79,267 (1) (2) 6 2017 2016 546,473 207,995 546,473 207,995 7 2017 2016 14,910 12,067 82,499 108,210 6,489 24,456 66,155 34,057 170,053 178,790 234

2017 12 31 8 2017 2016 931,365 800,532 202,510 161,123 5,811 7,315 167,610 144,687 60,143 47,085 40,333 33,119 1,407,772 1,193,861 261,677 212,689 202,789 176,053 90,764 77,423 79,186 212,439 (1) 710,920 562,059 2,753,108 2,434,524 (1) 2017 12 31 360 2016 350 2017 235

2017 12 31 9 383(1) 2017 12 31 917 2,017 210 3,144 917 2,227 871 1,917 203 2,991 871 2,120 825 1,733 98 2,656 825 1,831 36 36 36 36 36 36 36 36 36 36 36 36 (2) 6 6 6 180 180 180 180 180 180 180 180 180 180 180 180 180 180 180 236

2017 12 31 9 2017 12 31 825 1,816 190 2,831 825 2,006 150 150 150 36 36 36 194 341 101 636 636 117 270 139 526 526 (2) 92 92 92 36 36 36 163 852 154 1,169 1,169 (2) 75 75 75 (2) 138 138 138 1,577 3,912 8,946 1,095 15,530 3,438 12,092 2017 237

2017 12 31 9 2016 12 31 917 1,834 235 2,986 917 2,069 871 1,742 211 2,824 871 1,953 (1) 481 963 37 1,481 481 1,000 36 36 36 36 36 36 36 36 36 (1) 180 180 180 180 180 180 180 180 180 180 180 180 180 180 180 238

2017 12 31 9 2016 12 31 (1) 806 1,605 208 2,619 802 1,817 150 150 150 150 150 150 36 36 36 174 397 104 675 675 102 539 102 743 743 (1) 80 80 80 36 36 36 163 942 180 1,285 1,285 (1) 825 1,651 218 2,694 825 1,869 (1) (1) 11 11 11 (1) 196 53 249 249 (1) 70 70 70 1,737 4,339 9,673 1,348 17,097 3,896 13,201 2017 239

2017 12 31 9 (1) 2016 6 17 2015 (2) 2017 5 19 2016 2016 2016 10 212016 21 9 2017 2016 1,605 1,604 3,531 3,210 385 413 5,521 5,227 240

2017 12 31 10 2017 2016 2,500,001 3,000,000 2 2 2 2 11 2017 2016 1,744,274 1,972,362 120,000 285,000 85,028 57,789 7,648 31,221 1,956,950 2,346,372 12 (1) 2017 2016 1,495,786 1,587,104 24 (292,139) (379,020) 10,076 4,363 1,213,723 1,212,447 2017 241

2017 12 31 12 (2) 2017 2016 5,547,260 5,257,033 25% 25% 1,386,815 1,314,258 6,710 22,487 (i) (189,878) (128,661) 1,203,647 1,208,084 10,076 4,363 1,213,723 1,212,447 (i) 242

2017 12 31 13 2017 2016 4,280,024 3,998,768 (1) 5,321,932 5,306,932 0.80 0.75 (1) 2017 2016 5,321,932 5,141,932 165,000 5,321,932 5,306,932 2017 243

2017 12 31 14 2017 12 31 2016 12 31 768,348 956,980 (1) 32,333,148 27,768,576 (2) 12,122,850 13,824,798 410,786 36,008 44,866,784 41,629,382 45,635,132 42,586,362 (1) 2017 12 31 2016 12 31 13.5% 13.5% 5.0% 5.0% (2) 244

2017 12 31 15 2017 12 31 2016 12 31 1,253,477 347,715 3,955 873,854 1,257,432 1,221,569 3,466,217 193,359 4,723,649 1,414,928 16 2017 12 31 2016 12 31 15,290,028 11,758,215 7,500 15,297,528 11,758,215 2017 245

2017 12 31 17 2017 12 31 2016 12 31 (1) 2,151,565 8,551,297 3,755,820 394,800 5,941,912 11,849,297 8,946,097 (1) 734,722 519,614 1,062,048 4,218,398 29,439 3,809,461 325,356 3,824 2,151,565 8,551,297 1,060,078 519,614 1,091,487 8,031,683 (i) 2,151,565 8,551,297 (i) 43(6) 246

2017 12 31 18 (1) 2017 12 31 2016 12 31 1,355,000 3,678,558 3,052,476 1,441,010 4,407,476 5,119,568 (2) 2017 12 31 2016 12 31 4,407,476 3,812,610 1,306,958 4,407,476 5,119,568 2017 247

2017 12 31 19 (1) 2017 12 31 2016 12 31 92,248,887 81,254,576 12,851,941 11,750,766 10,240,718 6,861,790 8,827,773 4,841,835 1,065,127 490,848 1,127,711 870,069 3 8 34,113,273 24,815,316 2,094,318 5,022,347 128,456,478 111,092,239 (640,455) (536,463) (3,360,081) (2,922,369) (4,000,536) (3,458,832) 124,455,942 107,633,407 248

2017 12 31 19 (2) 2017 12 31 32,436,168 25.25% 18,549,333 13,678,950 10.65% 3,367,390 11,951,304 9.30% 6,662,124 9,991,443 7.78% 8,153,900 7,641,811 5.96% 4,526,957 3,676,164 2.86% 2,951,976 2,385,529 1.86% 432,572 2,292,170 1.78% 1,075,030 1,764,514 1.37% 71,930 1,075,419 0.84% 806,320 382,080 0.30% 299,060 327,500 0.25% 327,500 223,274 0.17% 97,300 4,422,561 3.44% 635,060 92,248,887 71.81% 47,956,452 34,113,273 26.56% 24,015,679 2,094,318 1.63% 1,890,255 128,456,478 100.00% 73,862,386 2017 249

2017 12 31 19 (2) 2016 12 31 29,897,940 26.91% 15,395,515 13,054,621 11.75% 4,240,768 10,687,023 9.62% 6,463,753 8,737,171 7.87% 7,389,971 4,092,399 3.68% 1,277,101 3,619,829 3.26% 2,166,841 2,087,799 1.88% 1,820,585 1,508,926 1.36% 456,130 1,390,580 1.25% 261,680 1,360,934 1.23% 402,372 1,081,650 0.97% 784,357 914,058 0.82% 210,300 0.19% 40,750 2,611,346 2.35% 675,321 81,254,576 73.14% 41,375,144 24,815,316 22.34% 16,865,959 5,022,347 4.52% 2,401,298 111,092,239 100.00% 60,642,401 250

2017 12 31 19 (2) 10% 2017 12 31 521,278 197,366 1,060,600 540,955 487,134 868,910 362,500 506,624 194,928 141,167 2016 12 31 373,063 152,737 1,022,650 843,830 439,737 688,535 322,270 500,415 317,696 101,000 2017 251

2017 12 31 19 (3) 2017 12 31 2016 12 31 15,453,740 7,659,802 39,140,352 42,790,036 43,574,227 33,254,544 30,288,159 27,387,857 128,456,478 111,092,239 (640,455) (536,463) (3,360,081) (2,922,369) (4,000,536) (3,458,832) 124,455,942 107,633,407 252

2017 12 31 19 (4) 2017 12 31 3 3 3 1 1 3 1 3 3 17,010 9,981 1,951 28,942 2,433,907 1,828,957 823,073 5,085,937 1,062,519 330,350 214,624 55,955 1,663,448 68,335 7,084 20,000 3,500 98,919 3,581,771 2,176,372 1,059,648 59,455 6,877,246 2.79% 1.69% 0.82% 0.05% 5.35% 2016 12 31 3 3 3 1 1 3 1 3 3 4,884 2,254 590 7,728 2,353,023 1,069,032 246,806 3,668,861 642,044 373,859 97,625 530 1,114,058 217,572 90,990 3,500 312,062 3,217,523 1,536,135 348,521 530 5,102,709 2.90% 1.38% 0.31% 0.00% 4.59% 2017 253

2017 12 31 19 (5) 2017 12 31 126,530,792 308,013 1,617,673 128,456,478 1.50% (3,219,578) (140,503) (640,455) (4,000,536) 123,311,214 167,510 977,218 124,455,942 2016 12 31 109,635,175 240,777 1,216,287 111,092,239 1.31% (2,821,668) (100,701) (536,463) (3,458,832) 106,813,507 140,076 679,824 107,633,407 254

2017 12 31 19 (6) 2017 2,821,668 100,701 536,463 3,458,832 383,866 533,915 909,967 1,827,748 (83,474) (83,474) 21,320 77,160 98,480 (522,220) (750,538) (1,272,758) (55,551) (55,551) 14,044 6,787 6,428 27,259 3,219,578 140,503 640,455 4,000,536 2016 2,282,729 20,408 386,153 2,689,290 699,255 253,857 1,113,765 2,066,877 (94,515) (94,515) 2,490 3,000 5,490 (265,471) (265,471) (160,316) (176,054) (557,094) (893,464) (49,375) (49,375) 2,821,668 100,701 536,463 3,458,832 2017 255

2017 12 31 20 2017 12 31 2016 12 31 (1) 35,086,298 6,301,789 (2) 59,267,821 49,671,048 (3) 116,470,830 118,224,916 210,824,949 174,197,753 (1) 2017 12 31 2016 12 31 1,202,185 2,582,533 217,298 119,091 (i) 2,799,831 1,321,276 (ii) 32,278,067 4,972,113 (iii) 8,400 8,400 35,086,298 6,301,789 (i) (ii) 256

2017 12 31 20 (1) (iii) (2) 2017 12 31 2016 12 31 19,442,671 14,263,579 29,191,123 27,448,753 3,671,284 3,107,483 6,962,743 4,851,233 59,267,821 49,671,048 22,274,859 16,051,048 36,992,962 33,620,000 (i) 59,267,821 49,671,048 (i) 20172016 43(6) (ii) 2017 12 317.03 1.41% 2016 12 31 2017 257

2017 12 31 20 (3) 2017 12 31 2016 12 31 68,114,620 52,794,468 31,714,643 45,079,359 14,484,280 13,150,125 2,797,300 7,720,977 117,110,843 118,744,929 (81,561) (25,428) (558,452) (494,585) (640,013) (520,013) 116,470,830 118,224,916 (i) 2017 12 31 2016 12 31 520,013 235,013 120,000 285,000 640,013 520,013 258

2017 12 31 21 2017 12 31 2016 12 31 11,877,206 6,645,653 (1,226,451) (866,803) 10,650,755 5,778,850 (159,761) (57,789) 10,490,994 5,721,061 (1) 2017 12 31 2016 12 31 1 3,573,591 (532,263) 3,041,328 1,432,250 (312,201) 1,120,049 1 2 3,184,374 (366,442) 2,817,932 1,669,236 (242,447) 1,426,789 2 3 2,807,206 (218,393) 2,588,813 1,247,086 (163,861) 1,083,225 3 5 2,280,440 (102,727) 2,177,713 2,220,050 (136,482) 2,083,568 5 31,595 (6,626) 24,969 77,031 (11,812) 65,219 11,877,206 (1,226,451) 10,650,755 6,645,653 (866,803) 5,778,850 2017 259

2017 12 31 21 (2) 2017 12 31 2016 12 31 57,789 85,028 57,789 16,944 159,761 57,789 22 (1) 2017 2016 2017 2017 % % % 50.20 50.20 50.20 60,000.00 30,120.00 51.20 20.00 51.20 125,000.00 74,033.00 51.00 51.00 51.00 2,000,000.00 1,020,000.00 51.00 51.00 50,000.00 25,500.00 51.00 51.00 50,000.00 25,500.00 260

2017 12 31 22 (a) 2015 12 3 2016 3 23 2017 11 6 2017 11 14 (b) 20173,465.00 31.50%3,118.50 201651.50% 2017 2017 12 2,750.00 1.25 51.20% (2) 2017 12 31 2016 12 31 280,191 255,195 280,191 255,195 2017 261

2017 12 31 22 (2) % 2017 2016 12 31 12 31 (a) 18.53 18.53 30.00 30.00 25.00 20.00 (a) 2017 12 31 2016 12 31 280,191 255,195 44,333 57,443 44,333 57,443 262

2017 12 31 23 2016 1 1 1,306,877 401,888 15,275 184,192 106,861 2,015,093 101,472 71,077 1,464 40,741 29,213 243,967 (749) (7,231) (2,356) (24,653) (34,989) 2016 12 31 1,407,600 465,734 14,383 200,280 136,074 2,224,071 167,425 84,344 920 39,462 10,950 303,101 (6,434) (2,193) (5,010) (13,637) 2017 12 31 1,575,025 543,644 13,110 234,732 147,024 2,513,535 2016 1 1 (127,180) (181,591) (12,409) (85,348) (406,528) (38,876) (65,555) (1,203) (42,090) (147,724) 711 6,832 2,239 23,393 33,175 2016 12 31 (165,345) (240,314) (11,373) (104,045) (521,077) (44,065) (92,186) (1,674) (50,026) (187,951) 6,097 2,084 4,642 12,823 2017 12 31 (209,410) (326,403) (10,963) (149,429) (696,205) 2016 1 1 (1,355) (1,893) (756) (4,004) 2016 12 31 (1,355) (1,893) (756) (4,004) 2017 263

2017 12 31 23 2017 12 31 (1,355) (1,893) (756) (4,004) 2016 12 31 1,240,900 223,527 3,010 95,479 136,074 1,698,990 2017 12 31 1,364,260 215,348 2,147 84,547 147,024 1,813,326 2017 12 311.27 2016 12 31 3.08 2017 12 31 2016 12 31 10 50 1,359,249 1,235,010 10 5,011 5,890 1,364,260 1,240,900 264

2017 12 31 24 (1) 2017 12 31 2016 12 31 4,662,721 1,165,680 3,602,040 900,510 201,222 50,306 215,640 53,910 157,704 39,426 (1,580) (395) 59,417 14,854 57,040 14,260 599 150 5,493 1,373 5,081,663 1,270,416 3,878,633 969,658 (2) 2017 2017 1 1 12 31 900,510 265,170 1,165,680 53,910 (3,721) 117 50,306 (395) 31,319 8,502 39,426 14,260 594 14,854 1,373 (1,223) 150 969,658 292,139 8,619 1,270,416 2017 265

2017 12 31 24 (2) 2016 2016 1 1 12 31 533,253 367,257 900,510 58,822 (3,885) (1,027) 53,910 (14,137) 11,220 2,522 (395) 10,735 3,525 14,260 470 903 1,373 589,143 379,020 1,495 969,658 25 2017 12 31 2016 12 31 (1) 2,539,516 1,959,892 1,269,447 3,451,419 (2) 537,171 147,050 107,913 131,789 353,718 201,315 4,807,765 5,891,465 (27,778) (44,727) 4,779,987 5,846,738 266

2017 12 31 25 (1) 2017 12 31 2016 12 31 1,893,572 1,536,913 338,886 238,092 307,058 184,887 2,539,516 1,959,892 (19,397) (19,397) 2,520,119 1,940,495 (2) 2017 2016 229,521 165,494 420,819 64,027 650,340 229,521 (82,471) (57,658) (30,698) (24,813) (113,169) (82,471) 2017 267

2017 12 31 25 (2) 2017 2016 (145) (145) (145) (145) 146,905 107,691 537,026 146,905 26 2017 12 31 2016 12 31 1,599,550 77,000 1,599,550 77,000 27 2017 12 31 2016 12 31 28,300,298 24,601,073 634,068 1,207,180 28,934,366 25,808,253 268

2017 12 31 28 2017 12 31 2016 12 31 22,348,389 18,505,611 600,000 22,348,389 19,105,611 29 2017 12 31 653,420 11,296 3,201,758 21,014 3,855,178 32,310 2016 12 31 2017 269

2017 12 31 30 (1) 2017 12 31 2016 12 31 8,480,000 27,000,000 5,605,500 5,887,510 363,860 14,085,500 33,251,370 (2) 2017 12 31 2016 12 31 14,085,500 33,251,370 14,085,500 33,251,370 270

2017 12 31 31 2017 12 31 2016 12 31 88,514,651 77,197,449 19,805,658 16,177,507 108,320,309 93,374,956 79,850,838 54,782,696 47,757,459 44,647,136 127,608,297 99,429,832 16,095,350 19,581,940 1,365,111 1,871,430 674,149 983,350 1,024,677 817,970 19,159,287 23,254,690 319,505 330,162 255,407,398 216,389,640 2017 271

2017 12 31 32 2017 12 31 2016 12 31 (1) 5,596,521 2,600,000 (2) 6,997,457 4,997,944 60,576,082 37,062,502 73,170,060 44,660,446 (1) a. 2013 5264.80% b. 2017 9303 4.70% (2) a. 2014 1220 10 5.73% b. 2016 1230 10 4.10% c. 2017 320 10 4.80% 272

2017 12 31 33 2017 12 31 2016 12 31 (1) 4,434,703 3,095,586 (2) 363,897 367,387 413,679 209,700 80,776 80,985 52,357 146,229 24,327 23,373 59,417 57,040 716,655 424,303 6,145,811 4,404,603 (1) 2017 12 31 2016 12 31 3,401,054 2,587,932 798,630 398,501 202,918 82,372 30,648 26,740 1,453 41 4,434,703 3,095,586 2017 273

2017 12 31 33 (2) 2017 12 31 2016 12 31 159,969 132,572 4,529 746 2,613 61 131 1,899 11,902 (a) 201,222 215,640 363,897 367,387 (a) SRB 274

2017 12 31 33 (2) (a) SRB (i) 2017 12 31 2016 12 31 29,527 41,664 171,695 173,976 201,222 215,640 (ii) 2017 2016 1 1 215,640 235,287 (20,701) (22,855) 5,811 7,315 472 (4,107) 12 31 201,222 215,640 2017 275

2017 12 31 33 (2) (a) SRB (iii) 2017 12 31 2016 12 31 3.80% 2.80% 60 60 55 55 8.00% 8.00% 2017 12 31 2016 12 31 4.20% 3.50% 60 60 55 55 2017 12 31 2016 12 31 20 105 0.0248% 100% 0.054% 100% 0.012% 100% 0.0246% 100% 276

2017 12 31 34 2017 12 31 2016 12 31 3,803,932 3,803,932 H 1,518,000 1,518,000 5,321,932 5,321,932 2015 1212 1H3.85 H H 25.621.2 H 2016 1 201.8HH0.18 3.85 HH 1.8 3.92 H 2016 1 20H 2017 277

2017 12 31 35 (1) 2017 12 31 2016 12 31 2,990,254 2,990,312 64,615 63,892 3,054,869 3,054,204 (2) 10% 50% 2017 4.22 20163.95 (3) 2012 7 1 [2012]20 1.5% 2017 9.93201613.65 278

2017 12 31 35 (4) 2017 2016 1 1 2,841 10,405 (1,751) 33,961 (32,259) (44,047) 8,502 2,522 (25,508) (7,564) 12 31 (22,667) 2,841 (5) 2017 2016 1 1 (52,259) (55,339) (472) 4,107 117 (1,027) 355 3,080 12 31 (52,614) (52,259) 2017 279

2017 12 31 35 (6) 2017 1 1 5,321,932 3,054,204 1,632,893 4,513,200 2,841 (52,259) 6,776,506 21,249,317 4,218,626 4,218,626 (25,508) (355) (25,863) (25,508) (355) 4,218,626 4,192,763 37 7,825,508 7,825,508 723 723 7,825,508 723 7,826,231 35(2) 421,863 (421,863) 35(3) 950,000 (950,000) 36 (1,170,825) (1,170,825) 421,863 950,000 (2,542,688) (1,170,825) 2017 12 31 5,321,932 7,825,508 3,054,927 2,054,756 5,463,200 (22,667) (52,614) 8,452,444 32,097,486 280

2017 12 31 35 (6) 2016 1 1 5,141,932 2,662,564 1,237,793 3,163,200 10,405 (55,339) 5,634,991 17,795,546 3,951,001 3,951,001 (7,564) 3,080 (4,484) (7,564) 3,080 3,951,001 3,946,517 H 34 35 180,000 392,422 572,422 (782) (782) 180,000 391,640 571,640 35(2) 395,100 (395,100) 35(3) 1,350,000 (1,350,000) 36 (1,064,386) (1,064,386) 395,100 1,350,000 (2,809,486) (1,064,386) 2016 12 31 5,321,932 3,054,204 1,632,893 4,513,200 2,841 (52,259) 6,776,506 21,249,317 2017 281

2017 12 31 36 (1) 2017 5 192016 2016 12 31 10 2.2011.71 (2) 2016 6 172015 2015 12 31 10 2.0010.64 37 (1) 2017/10/18 5.50% 20 59,550,000 1,191 7,860 (34) 7,826 282

2017 12 31 37 (2) (a) 5 (b) 2017 283

2017 12 31 37 (2) (c) (d) 5.125% H5.125% H HH (1) (2) (e) 5 284

2017 12 31 38 (a) 2017 12 31 2016 12 31 768,348 956,980 12,122,850 13,824,798 3 4,598,622 1,341,021 3 1,764,234 19,254,054 16,122,799 (b) 2017 12 31 2016 12 31 3,465 31,185 (71,901) () / (68,436) 31,185 2017 285

2017 12 31 38 (c) 44,660,446 82,372 23,373 6,808,978 564,997 52,140,166 7,825,508 7,825,508 552,750 552,750 103,216,337 103,216,337 702,160 120,546 (2,760,788) (1,938,082) (75,408,883) (75,408,883) 1,479 (1,170,825) (1,169,346) 28,509,614 120,546 1,479 7,825,508 (3,931,613) 552,750 33,078,284 (525) (525) 5,626,418 115,731 5,742,149 73,170,060 202,918 24,327 7,825,508 8,503,783 1,233,478 90,960,074 286

2017 12 31 39 (1) (a) 5% 2017 12 31 2016 12 31 9.22% 9.22% (b) 22 (c) 39(1)(a) 33(2) 2017 287

2017 12 31 39 (2) (a) 2017 12 31 2016 12 31 190,355 473,204 20 50 64,285 64,285 2017 2016 892 725 288

2017 12 31 39 (2) (c) 2017 2016 2,053 8,632 887 30,069 (d) 2017 12 31 2016 12 31 3,803,531 1,941,111 3,697,000 1,500,000 34,777 4,534 8,642,052 4,285,915 252,526 114,674 14,717 4,760 2017 2016 398,589 191,728 78,618 52,633 290

2017 12 31 39 (3) (a) 2017 12 31 2016 12 31 13,076 8,582 10 11 14,170 19,258 22 4 2017 2016 584 348 125 88 2017 291

2017 12 31 39 (3) (b) 2017 2016 12,743 11,531 25,149 21,135 2,812 2,751 40,704 35,417 2017 2016 (c) 62211 78 32 161 2017 12 31 2016 12 31 13,076 8,582 24,099 19,832 2017 12 312016 12 31 292

2017 12 31 40 (1) 2017 293

2017 12 31 40 (1) 2017 2,862,457 765,753 4,477,832 8,106,042 855,109 525,148 (1,380,257) 3,717,566 1,290,901 3,097,575 8,106,042 598,545 77,997 1,188,591 1,865,133 (474,716) (474,716) 546,473 546,473 170,053 170,053 294

2017 12 31 40 (1) 2017 4,316,111 1,368,898 4,357,923 170,053 10,212,985 (1,271,826) (471,995) (944,768) (64,519) (2,753,108) (1,187,744) (649,206) (120,000) (1,956,950) 1,856,541 247,697 3,293,155 105,534 5,502,927 44,333 44,333 1,856,541 247,697 3,293,155 149,867 5,547,260 141,288 69,083 51,306 261,677 357,605 133,543 259,284 7,901 758,333 2017 295

2017 12 31 40 (1) 2017 12 31 135,166,061 47,444,212 250,530,100 1,418,098 434,558,471 1,270,416 435,828,887 187,633,898 71,725,668 141,636,728 1,393,228 402,389,522 66,790,405 1,275,828 68,066,233 296

2017 12 31 40 (1) 2016 2,876,115 600,720 4,823,158 8,299,993 501,471 344,227 (845,698) 3,377,586 944,947 3,977,460 8,299,993 517,463 90,485 606,493 1,214,441 79,267 79,267 207,995 207,995 178,790 178,790 3,895,049 1,035,432 4,871,215 178,790 9,980,486 (1,112,862) (417,344) (867,596) (36,722) (2,434,524) (1,674,808) (386,564) (285,000) (2,346,372) 1,107,379 231,524 3,718,619 142,068 5,199,590 57,443 57,443 1,107,379 231,524 3,718,619 199,511 5,257,033 2017 297

2017 12 31 40 (1) 2016 114,133 63,716 34,840 212,689 191,695 107,016 58,517 4,021 361,249 2016 12 31 121,525,598 37,659,309 204,406,701 1,586,706 365,178,314 969,658 366,147,972 153,771,965 65,315,377 124,399,087 800,168 344,286,597 62,277,614 1,005,794 63,283,408 (2) 298

2017 12 31 41 2017 299

2017 12 31 41 (1) 300

2017 12 31 41 (1) 2017 301

2017 12 31 41 (1) (a) 41(1) (b) 2017 12 31 2016 12 31 121,576,757 105,873,597 4,954,035 3,761,578 1,925,686 1,457,064 128,456,478 111,092,239 (2,500,249) (2,326,501) (719,329) (495,167) (780,958) (637,164) (4,000,536) (3,458,832) 119,076,508 103,547,096 4,234,706 3,266,411 1,144,728 819,900 124,455,942 107,633,407 302

2017 12 31 41 (1) (b) (i) 2017 12 31 2016 12 31 89,263,328 82,357,390 32,313,429 23,516,207 121,576,757 105,873,597 (ii) 2017 12 31 1 1 3 3 1 1 3 1 1 971,263 1,676,854 779,303 34,785 3,462,205 369,630 519,940 478,327 123,933 1,491,830 1,340,893 2,196,794 1,257,630 158,718 4,954,035 2017 303

2017 12 31 41 (1) (b) (ii) 2016 12 31 1 1 3 3 1 1 3 1 1 843,744 1,564,393 279,922 15,186 2,703,245 328,796 468,962 260,175 400 1,058,333 1,172,540 2,033,355 540,097 15,586 3,761,578 2017 12 31 2016 12 31 3,252,167 3,051,757 304

2017 12 31 41 (1) (b) (iii) 2017 12 31 2016 12 31 1,617,673 1,216,287 308,013 240,777 1,925,686 1,457,064 % 1.50% 1.31% (640,455) (536,463) (140,503) (100,701) (780,958) (637,164) 977,218 679,824 167,510 140,076 1,144,728 819,900 1,313,544 697,242 2017 305

2017 12 31 41 (1) (d) 2017 12 31 2016 12 31 20,177,393 14,783,193 30,253,171 32,869,336 6,283,256 6,916,944 7,505,397 4,974,148 64,219,217 59,543,621 2017 307

2017 12 31 41 (1) (e) 2017 12 31 2016 12 31 114,379,282 118,429,929 2,525,000 225,000 206,561 90,000 117,110,843 118,744,929 (440,622) (417,727) (117,830) (76,858) (81,561) (25,428) (640,013) (520,013) 113,938,660 118,012,202 2,407,170 148,142 125,000 64,572 116,470,830 118,224,916 4,486,208 780,228 125,000 64,572 308

2017 12 31 41 (2) 2017 309

2017 12 31 41 (2) (a) (i) 310

2017 12 31 41 (2) (a) (i) 2017 12 31 3 3 1 15 3 1 5 5 45,635,132 1,179,134 44,455,998 20,021,177 303,103 8,365,841 11,339,733 7,500 5,000 4,407,476 4,407,476 (1) 124,455,942 90,087,783 31,717,262 2,219,858 431,039 (2) 222,954,437 288,591 31,217,809 41,466,381 102,898,199 47,083,457 10,490,994 7,868,449 2,622,545 7,863,729 7,500,984 362,745 435,828,887 9,271,812 186,766,101 87,145,921 105,125,557 47,519,496 2017 311

2017 12 31 41 (2) (a) (i) 2017 12 31 3 3 1 15 3 1 5 5 1,599,550 1,000,000 599,550 51,282,755 14,174,466 37,008,289 100,000 14,085,500 14,085,500 255,407,398 295,136 150,653,254 59,072,809 45,386,199 73,170,060 20,590,717 42,585,365 9,993,978 6,844,259 6,811,949 32,310 402,389,522 7,107,085 200,503,937 139,298,323 55,480,177 33,439,365 2,164,727 (13,737,836) (52,152,402) 49,645,380 47,519,496 312

2017 12 31 41 (2) (a) (i) 2016 12 31 3 3 1 15 3 1 5 5 42,586,362 992,987 41,593,375 13,173,143 14,774 2,246,064 10,907,305 5,000 5,119,568 5,119,568 (1) 107,633,407 88,385,736 18,629,953 600,530 17,188 (2) 183,399,045 263,595 43,018,787 42,725,015 68,842,106 28,549,542 5,721,061 5,721,061 8,515,386 6,297,786 2,217,600 366,147,972 7,569,142 188,302,191 72,262,273 69,442,636 28,571,730 2017 313

2017 12 31 41 (2) (a) (i) 2016 12 31 3 3 1 15 3 1 5 5 77,000 77,000 44,913,864 14,429,075 29,784,789 700,000 33,251,370 33,251,370 216,389,640 319,554 124,472,530 50,290,988 41,306,568 44,660,446 10,321,123 26,741,379 7,597,944 4,994,277 4,994,277 344,286,597 5,313,831 182,474,098 106,894,156 49,604,512 21,861,375 2,255,311 5,828,093 (34,631,883) 19,838,124 28,571,730 (1) 2017 12 31 3 3 53.79 2016 12 31 40.86 (2) 2017 12 31 3 3 24.72 2016 12 31 2.13 314

2017 12 31 41 (2) (a) (ii) 2017 2016 12 31 12 31 100 (386,729) (151,094) 100 386,729 151,094 2017 2016 12 31 12 31 100 (414,627) (175,169) 100 370,456 175,169 2017 315

2017 12 31 41 (2) (a) (ii) (b) 2017 12 31 44,768,691 864,676 1,765 45,635,132 1,252,260 18,512,003 256,914 20,021,177 4,407,476 4,407,476 123,401,784 1,054,158 124,455,942 (1) 217,464,588 5,239,125 250,724 222,954,437 10,490,994 10,490,994 7,641,607 222,122 7,863,729 409,427,400 25,892,084 509,403 435,828,887 316

2017 12 31 41 (2) (b) 2017 12 31 1,599,550 1,599,550 51,282,755 51,282,755 14,085,500 14,085,500 239,066,363 16,262,297 78,738 255,407,398 73,170,060 73,170,060 6,077,723 285,128 481,408 6,844,259 385,281,951 16,547,425 560,146 402,389,522 24,145,449 9,344,659 (50,743) 33,439,365 66,363,583 1,623,457 79,193 68,066,233 2017 317

2017 12 31 41 (2) (b) 2016 12 31 41,924,686 658,977 2,699 42,586,362 1,217,234 11,860,728 95,181 13,173,143 5,119,568 5,119,568 107,333,249 300,158 107,633,407 (1) 181,101,311 1,938,525 359,209 183,399,045 5,721,061 5,721,061 8,405,561 109,825 8,515,386 350,822,670 14,868,213 457,089 366,147,972 318

2017 12 31 41 (2) (b) 2016 12 31 77,000 77,000 44,913,864 44,913,864 33,251,370 33,251,370 203,931,962 12,457,528 150 216,389,640 44,660,446 44,660,446 4,849,474 144,615 188 4,994,277 331,684,116 12,602,143 338 344,286,597 19,138,554 2,266,070 456,751 21,861,375 62,092,376 1,191,032 63,283,408 (1) 2017 319

2017 12 31 41 (2) (b) 2017 2016 12 31 12 31 100 10,668 2,944 100 (10,668) (2,944) 100 320

2017 12 31 41 (3) 2017 321

2017 12 31 41 (3) (a) 2017 12 31 3 3 1 15 3 1 5 5 32,743,934 12,891,198 45,635,132 5,000 1,174,854 7,494,090 11,339,733 7,500 20,021,177 4,407,476 4,407,476 4,119,917 2,368,855 18,378,439 61,055,985 23,270,331 15,262,415 124,455,942 456,231 2,364,529 27,264,071 42,709,660 102,969,192 47,190,754 222,954,437 573,671 2,422,037 7,470,691 24,595 10,490,994 3,620,768 36,288 2,201,026 1,820,802 167,913 16,932 7,863,729 40,945,850 18,835,724 60,318,773 119,348,217 133,885,627 62,494,696 435,828,887 322

2017 12 31 41 (3) (a) 2017 12 31 3 3 1 15 3 1 5 5 1,000,000 599,550 1,599,550 676,366 13,498,100 37,008,289 100,000 51,282,755 14,085,500 14,085,500 111,125,769 36,702,622 59,072,808 48,506,199 255,407,398 20,590,717 42,585,365 9,993,978 73,170,060 332,480 5,419,627 348,676 627,509 115,967 6,844,259 112,134,615 91,296,566 139,614,688 59,227,686 115,967 402,389,522 40,945,850 (93,298,891) (30,977,793) (20,266,471) 74,657,941 62,378,729 33,439,365 2017 323

2017 12 31 41 (3) (a) 2016 12 31 3 3 1 15 3 1 5 5 27,804,585 14,781,777 42,586,362 5,000 1,269,028 991,810 10,907,305 13,173,143 5,119,568 5,119,568 2,979,993 1,964,833 19,674,888 57,376,160 17,644,019 7,993,514 107,633,407 476,190 34,413,058 49,780,090 69,761,988 28,967,719 183,399,045 243,257 865,592 4,547,646 64,566 5,721,061 2,815,553 90,285 2,850,573 2,264,771 489,172 5,032 8,515,386 34,081,321 18,105,923 63,293,154 121,193,918 92,442,825 37,030,831 366,147,972 324

2017 12 31 41 (3) (a) 2016 12 31 3 3 1 15 3 1 5 5 77,000 77,000 1,170,375 13,258,700 29,784,789 700,000 44,913,864 33,251,370 33,251,370 96,415,037 28,377,046 50,290,989 41,306,568 216,389,640 10,321,123 26,741,379 7,597,944 44,660,446 384,061 3,820,997 174,192 498,307 116,720 4,994,277 97,969,473 89,029,236 107,068,349 50,102,819 116,720 344,286,597 34,081,321 (79,863,550) (25,736,082) 14,125,569 42,340,006 36,914,111 21,861,375 11 1 2017 325

2017 12 31 41 (3) (a) (b) 2017 12 31 3 3 1 15 3 1 5 5 1,599,550 1,599,807 1,000,134 599,673 51,282,755 53,264,632 676,512 13,937,277 38,543,829 107,014 14,085,500 14,121,581 14,121,581 255,407,398 268,036,084 111,166,502 38,793,599 61,730,805 56,345,178 73,170,060 76,110,978 20,796,000 44,159,400 11,155,578 395,545,263 413,133,082 111,843,014 88,648,591 145,033,707 67,607,770 326

2017 12 31 41 (3) (b) 2017 12 31 3 3 1 15 3 1 5 5 21,014 21,014 21,014 (659,882) (682,115) (682,115) 671,178 693,680 693,680 11,296 11,565 11,565 2017 327

2017 12 31 41 (3) (b) 2016 12 31 3 3 1 15 3 1 5 5 77,000 78,585 78,585 44,913,864 45,345,725 1,170,791 13,303,788 30,093,988 777,158 33,251,370 33,298,280 33,298,280 216,389,640 221,986,731 96,432,137 29,198,997 52,073,946 44,281,651 44,660,446 46,426,344 10,370,000 27,612,400 8,443,944 339,292,320 347,135,665 97,602,928 86,171,065 109,858,919 53,502,753 328

2017 12 31 41 (4) 2017 329

2017 12 31 41 (5) 330

2017 12 31 41 (5) 2017 12 312016 12 31 2012 2017 12 31 2016 12 31 5,321,932 5,321,932 2,979,588 3,004,786 2,054,756 1,632,893 5,520,320 4,527,789 8,503,783 6,808,978 452,798 363,130 24,833,177 21,659,508 (456,513) (383,789) 24,376,664 21,275,719 7,825,508 60,373 37,266 32,262,545 21,312,985 2017 331

2017 12 31 41 (5) 2017 12 31 2016 12 31 7,000,000 5,000,000 2,231,162 2,079,934 120,746 70,962 9,351,908 7,150,896 41,614,453 28,463,881 (a) 307,474,718 242,109,283 7.93% 8.79% 10.49% 8.80% 13.53% 11.76% (a) (b) 2017 10.1% 8.1% 7.1% 2016 9.7% 7.7% 6.7% 332

2017 12 31 42 (1) 13 (a) (b) 2017 333

2017 12 31 42 (1) (c) (d) 334

2017 12 31 42 (2) 2017 12 31 1,060,078 1,091,487 2,151,565 3,755,820 3,755,820 5,941,912 5,941,912 2,799,831 32,278,067 35,077,898 1,060,078 13,589,050 32,278,067 46,927,195 32,310 32,310 32,310 32,310 2016 12 31 519,614 8,031,683 8,551,297 394,800 394,800 1,321,276 4,972,113 6,293,389 519,614 9,747,759 4,972,113 15,239,486 2017 335

2017 12 31 42 (2) 2016 (3) 2017 1 1 2017 12 31 4,972,113 565,011 (1,245) 31,419,845 (4,677,657) 32,278,067 2016 1 1 2016 12 31 4,359,941 190,612 4,360,716 (3,939,156) 4,972,113 336

2017 12 31 42 (3) (4) 2017 12 31 59,267,821 55,578,967 20,946,683 34,632,283 59,267,821 55,578,967 20,946,683 34,632,283 5,596,521 5,539,835 5,539,835 6,997,457 6,754,825 6,754,825 60,576,082 59,282,743 59,282,743 73,170,060 71,577,403 71,577,403 2017 337

2017 12 31 42 (4) 2016 12 31 49,671,048 48,837,029 16,157,343 32,679,686 49,671,048 48,837,029 16,157,343 32,679,686 2,600,000 2,617,631 2,617,631 4,997,944 4,987,689 4,987,689 37,062,502 35,715,648 35,715,648 44,660,446 43,320,968 43,320,968 338

2017 12 31 42 (4) 2017 339

2017 12 31 43 (1) 2017 12 31 2016 12 31 57,538,871 58,122,706 5,264,644 2,984,292 3,986,890 1,170,616 1,275,828 1,005,794 68,066,233 63,283,408 340

2017 12 31 43 (2) 2017 12 31 2016 12 31 18,630,228 18,879,397 0% 150% (3) 2017 12 312016 12 31 2017 12 31 2016 12 31 1 1 118,156 91,208 1 5 5 292,948 244,262 5 197,308 165,679 608,412 501,149 2017 341

2017 12 31 43 (4) 2017 12 312016 12 31 2017 12 31 2016 12 31 207,346 267,792 49,956 72,643 257,302 340,435 (5) 2017 12 312016 12 31 (6) 2017 12 31 2016 12 31 13,281,523 32,934,901 13,281,523 32,934,901 342

2017 12 31 44 (1) 2017 12 31 9,697,732 9,697,732 28,044,753 28,044,753 102,127,230 102,127,230 683,308 683,308 140,553,023 140,553,023 2017 343

2017 12 31 44 (1) 2016 12 31 394,800 394,800 4,972,113 4,972,113 105,249,436 105,249,436 456,494 456,494 111,072,843 111,072,843 2017 12 3162.582016 54.40 344

2017 12 31 44 (2) 2017 12 31 375.01 2016 12 31 432.09 2017 12 31 0.25 2016 0.11 2017 12 31 221.09 2016 118.83 45 2017 12 3183.75 2016 12 31 74.23 2017 345

2017 12 31 46 2017 12 31 2016 12 31 45,545,998 42,565,761 4,284,808 1,290,553 15,297,528 11,758,215 11,849,297 8,946,097 4,407,476 5,119,568 123,722,963 107,471,481 35,086,298 6,301,789 59,267,821 49,671,048 116,470,830 118,224,916 1,455,344 795,315 1,787,973 1,679,243 1,255,294 967,620 4,333,046 3,570,533 424,764,676 358,362,139 1,500,000 29,212,403 26,259,027 14,048,389 12,175,611 32,310 14,085,500 33,251,370 254,502,449 216,176,986 659,883 568,325 73,170,060 44,660,446 5,456,196 4,021,057 392,667,190 337,112,822 346

2017 12 31 46 2017 12 31 2016 12 31 5,321,932 5,321,932 7,825,508 3,054,927 3,054,204 2,054,756 1,632,893 5,463,200 4,513,200 (22,667) 2,841 (52,614) (52,259) 8,452,444 6,776,506 32,097,486 21,249,317 424,764,676 358,362,139 2018 3 22 2017 347

2017 12 31 47 48 9 15 2014 2016 22 2 16 23 2018 1 1 2018 1 1 2018 1 1 2018 1 1 2018 1 1 2019 1 1 2019 1 1 348

2017 12 31 48 9 939 9 39 9 92018 1 1 2018 1 1 9 (1)(2) (3) 2017 349

2017 12 31 48 9 9 39 9 39 12 9 350

2017 12 31 48 9 9 9 2018 1 19 9 9 2018 1 1 2018 1 1 9 9 2017 351

2017 12 31 48 9 92018 1 1 2018 1 1 2018 1 1 9 10 352

2017 12 31 48 16 2016 116 17 16 16 2017 353

1 2017 2017 12 31 12 31 189.22% 225.23% 2016 2016 12 31 12 31 256.91% 275.82% 2018 100% 2015 2016 2017 201870% 80% 90% 100% 2017 12 31 2016 12 31 6.30% 5.15% 2015 4 1 4% 354

2 2017 12 31 25,892,084 424,571 84,832 26,401,487 (16,547,425) (481,548) (78,598) (17,107,571) 9,344,659 (56,977) 6,234 9,293,916 2016 12 31 14,868,213 450,013 7,076 15,325,302 (12,602,143) (338) (12,602,481) 2,266,070 449,675 7,076 2,722,821 3 10% 2017 355

3 2017 12 31 4,103,554 14,591 1,040,709 5,158,854 162,237 162,237 81,826 81,826 4,347,617 14,591 1,040,709 5,402,917 2016 12 31 451,927 300,502 752,429 91,634 91,634 6,480 6,480 550,041 300,502 850,543 356

4 2017 12 31 2016 12 31 3 6 6 1,074,269 831,657 6 1 1 1,102,103 704,478 1 1,119,103 349,051 3,295,475 1,885,186 3 6 6 0.84% 0.75% 6 1 1 0.85% 0.63% 1 0.87% 0.31% 2.56% 1.69% 2017 357

A A A 600,000,000 AA *1996 11 16 1.00 358

H 1.00 2018 3 9 59,550,000 100 2017 1 12017 12 31 2017 359

571 H * 155 360

鄭州銀行股份有限公司 BANK OF ZHENGZHOU CO., LTD. 於中華人民共和國註冊成立的股份有限公司 (A joint stock company incorporated in the People's Republic of China with limited liability) 股份代號 Stock Code: 6196 優先股股份代號 Preference Shares Stock Code: 4613 2017 年度報告 ANNUAL REPORT ANNUAL REPORT 2017 年度報告