BANK OF CHINA LIMITED 3988 4601 2017 2018 3 292017 2018 3 29 **** * Nout Wellink # # # # # * # 1
2017 2
1... 4 1.1... 4 1.2... 5 1.3... 5 2... 7 2.1... 7 2.2... 7 2.3... 8 2.4... 9 2.5... 10 2.6... 11 2.7... 11 3... 12 3.1... 12 3.2... 14 3.3... 14 4... 15 4.1... 15 4.2... 15 4.3... 22 4.4... 24 4.5... 24 5... 26 5.1... 26 5.2... 27 6... 29 6.1... 29 6.2... 29 7... 30 7.1... 30 7.2... 32 7.3... 33 8... 34 8.1... 34 8.2... 34 8.3... 35 1... 36 2... 42 3... 44 4......................................... 46 3
1 1.1 1912 2 19121949 1949 1994 2004 8 2006 67 A+H 2017 72008 2017 2022 54 4
1.2 2012 6 20132014 4 1.3 1.3.1 1.3.2 10% 5
10% 10% 10% 1 36,915 100% 2 10,000 100% 3 3,753 100% 4 3,223 100% 5 3,194 100% 6 2,350 100% 7 1,077 100% 8 718 100% 9 620 100% 10 560 100% 62,410 1 4,509 100% 2 3,498 100% 3 1,818 51% 9,825 1.3.3 6
2 2.1 ICAAP 2017 2.2 2013 2016 2017 2020 7
2017 600 2.3 2017 2016 2017 2016 1,356,088 1,280,841 1,180,299 1,106,112 1,461,090 1,384,364 1,280,013 1,205,826 1,725,330 1,609,537 1,526,537 1,414,052 11.15% 11.37% 10.85% 10.98% 12.02% 12.28% 11.77% 11.96% 14.19% 14.28% 14.04% 14.03% 11.69% 11.77% 11.39% 11.65% 14.56% 14.67% 14.36% 14.50% 8
2.4 2017 2016 1,377,408 1,297,421 294,388 294,388 140,176 139,443 140,692 125,109 207,693 193,338 606,765 526,804 26,280 30,051 (38,586) (11,712) 21,320 16,580 138 96 11,259 6,498 102 53 (4) (20) 9,825 9,953 105,002 103,523 99,714 99,714 5,288 3,809 264,652 225,173 191,596 149,406 63,672 64,572 9,384 11,195 412 412 1,356,088 1,280,841 1,461,090 1,384,364 1,725,330 1,609,537 9
2.5 2017 12 31 2017 2016 77,949 80,951 4,912 4,848 3,449 2,522 69,588 73,581 10% 135,609 128,084 57,660 47,133 4,878 4,484 10% 135,609 128,084 130,731 123,600 45,591 33,673 10% 135,609 128,084 90,018 94,411 50,469 38,157 15% 203,413 192,126 152,944 153,969 10
2017 12 31636.72 150% 0.6% 150% 2017 2016 61,039 68,236 42,474 39,512 46,277 56,211 17,395 8,361 51,257 47,020 17,395 8,361 2.6 2017 2.7 2,943.88 2017 2 11
3 3.1 12
13 董事會總審計師審計委員會監事會辦公室監事會資產處置委員會反洗錢工作委員會風險政策委員會美國風險與管理委員會風險管理與內部控制委員會高級管理層 ( 執行委員會 ) 風險管理窗口式業務部門境內外分行附屬機構垂直式董事會式資本管理合規部內控與法律財務管理部財務管理部信息科技部辦公室授信管理部信用審批部風險管理部審計條線審計部董事會監事會高級管理層管理模式集團相關管理部門
3.2 3.3 2017 2016 11,196,926 10,355,205 137,659 93,646 823,186 820,741 12,157,771 11,269,592 14 80% 14
4 4.1 4.2 4.2.1 15
A B C DAAA AA A BBB+ BBB BBB- BB+ BB BB- B+ B- CCC CC C DD 1 16
4.2.2 2017 8,935,327 1,280,376 20,583 10,236,286 5,682,585 1,063,354 20,583 6,766,522 3,252,742 217,022 3,469,764 10,179,033 374,424 289,408 10,842,865 19,114,360 1,654,800 309,991 21,079,151 2016 8,017,604 1,326,432 15,101 9,359,137 5,170,150 1,152,605 15,101 6,337,856 2,847,454 173,827 3,021,281 9,882,714 299,030 283,747 10,465,491 17,900,318 1,625,462 298,848 19,824,628 17
4.2.3 4.2.3.1 2017 A 3,575,715 0.70% 41.68% 2,115,072 59.15% B 2,943,065 3.25% 40.41% 2,987,229 101.50% C 80,950 38.42% 29.53% 93,829 115.91% D 146,209 100.00% 42.68% 2,378 1.63% 6,745,939 8.94% 41.00% 5,198,508 77.06% 2016 A 3,302,644 0.72% 42.16% 2,017,047 61.07% B 2,789,694 3.20% 40.53% 2,858,514 102.47% C 110,405 45.21% 35.00% 150,188 136.03% D 120,012 100.00% 43.44% 1,473 1.23% 6,322,755 9.06% 41.34% 5,027,222 79.51% 18
4.2.3.2 2017 2,932,292 1.30% 25.34% 659,083 22.48% 269,327 0.87% 71.48% 61,422 22.81% 268,145 4.42% 37.80% 118,031 44.02% 3,469,764 1.12% 29.88% 838,536 24.17% 2016 2,510,297 1.33% 25.44% 576,228 22.95% 238,173 3.11% 50.83% 58,957 24.75% 272,811 5.00% 36.88% 114,513 41.98% 3,021,281 2.73% 28.47% 749,698 24.81% 19
4.2.4 4.2.4.1 4.2.4.2 2017 2016 1,362,981 1,436,660 5,367,613 4,932,261 2,414,320 2,608,136 785,198 639,139 50,885 49,079 8,204 11,332 564,256 505,137 10,553,457 10,181,744 20
2017 2016 0% 4,746,498 4,732,345 20% 1,845,914 1,490,622 25% 875,205 1,176,492 50% 168,282 194,169 75% 619,532 473,996 100% 2,196,103 2,028,504 150% 695 250% 61,172 48,023 350% 52 400% 857 3,392 1250% 39,199 34,149 10,553,457 10,181,744 2017 2016 59,548 53,149 4,165 4,090 55,383 49,059 35,304 34,728 15,581 14,351 2,025 2,326 21
4.3 22
(RWA) 2017 2016 622,092 474,257 567,831 570,712 391,719 551,110 2,478,266 1,976,981 622,092 474,257 3,046,097 570,712 391,719 2,528,091 23
4.4 2017 2,028.42 2017 1,584.69 4.5 24
2017 2016 237,716 200,665 126,683 127,436 (42,658) (40,641) (68,787) (51,613) (1,518) 1,869 818 252,254 237,716 25
5 5.1 2006 26
2017 5.2 5.2.1 2017 2016 7,149 5,373 3,864 2,119 3,200 1,641 521 323 143 155 11,013 7,492 27
5.2.2 2017 2016 443 657 244 462 233 452 125 318 1,619 2,055 1,297 1,999 1,455 1,781 1,229 1,728 28
6 6.1 6.2 658.55 29
7 7.1 7.1.1 7.1.2 2017 1 193 273 2811 27 5 2017 20172017 103.04 48.25105.30 2017 2017 1.88 5.36 5% 0.09 0.272017 5% 5.16 2.422017 11.45 30
7.1.3 7.1.4 2017 2017 2017 2017 2017 2017 31
7.1.5 2017 82.0418.77 2017 2016 76 234 2,791 1,488 4,928 8,705 409 905 8,204 11,332 7.2 7.2.1 2017205.83 32
7.2.2 2017 2016 14,579 12,709 274,829 271,038 289,408 283,747 7.3 7.3.1 2017 7.3.2 2017 2016 25 (4,200) (3,010) 25 4,200 3,010 33
8 8.1 52 3 8.2 34
40% 3 8.3 2017 35
1 2017 2016 1 294,388 294,388 j 2 955,150 845,251 2a 140,692 125,109 q 2b 207,693 193,338 r 2c 606,765 526,804 s 3 101,590 127,731 3a 140,176 139,443 l 3b (18,974) (11,570) p 3c (19,612) (142) n-p 4 5 26,280 30,051 t 6 1,377,408 1,297,421 7 8 (138) (96) -h 9 (11,259) (6,498) g-f 10 11 4 20 -o 12 13 14 15 36
1 2017 2016 16 (102) (53) m 17 18 19 20 21 22 15% 23 24 25 26a (9,825) (9,953) -e 26b 37
1 2017 2016 26c 27 28 (21,320) (16,580) 29 1,356,088 1,280,841 30 99,714 99,714 31 99,714 99,714 k 32 33 34 5,288 3,809 u 35 36 105,002 103,523 37 38 39 40 41a 41b 38
1 2017 2016 41c 42 43 44 105,002 103,523 45 + 1,461,090 1,384,364 46 191,596 149,406 47 82,279 98,734 i 48 9,384 11,195 49 2,116 50 63,672 64,572 -b-d 51 264,652 225,173 52 53 54 55 (412) 56a 56b 56c 39
1 2017 2016 57 (412) 58 264,240 225,173 59 + 1,725,330 1,609,537 60 12,157,771 11,269,592 61 11.15% 11.37% 62 12.02% 12.28% 63 14.19% 14.28% 64 3.50% 3.50% 65 2.50% 2.50% 66 67 1.00% 1.00% 68 6.15% 6.37% 69 5.00% 5.00% 70 6.00% 6.00% 71 8.00% 8.00% 72 77,949 80,951 73 4,878 4,484 74 75 45,591 33,673 40
1 2017 2016 76 30,690 21,058 -a 77 17,395 8,361 -b 78 61,039 68,236 -c 79 46,277 56,211 -d 80 81 82 83 84 82,279 98,734 i 85 16,651 5,196 41
2 2017 2016 2,303,020 2,303,018 2,349,188 2,349,188 485,057 480,888 582,434 577,253 172,763 172,763 161,417 161,417 486,559 485,649 483,929 482,281 193,611 155,732 124,090 97,002 94,912 94,734 130,549 130,407 88,840 87,990 110,119 109,408 96,919 96,065 79,836 78,951 10,644,304 10,642,844 9,735,646 9,734,544 1,857,222 1,779,950 1,609,830 1,541,655 2,089,864 2,072,491 1,843,043 1,829,767 414,025 408,707 395,921 389,785 17,180 44,551 14,059 44,127 21,026 14,884 21,659 14,741 205,614 96,663 194,897 98,656 18,835 17,772 14,542 13,420 2,481 138 2,473 96 46,487 45,591 34,341 33,673 50,371 44,569 228,705 185,041 210,545 170,547 19,467,424 19,185,471 18,148,889 17,901,487 42
2 2017 2016 1,035,797 1,035,797 867,094 867,094 1,425,262 1,425,262 1,420,527 1,420,527 241,692 233,679 186,417 184,768 20,372 20,372 11,958 11,958 111,095 110,273 107,109 105,607 258,400 258,400 116,375 116,375 13,657,924 13,659,117 12,939,748 12,941,957 31,910 31,280 31,256 30,719 34,521 33,695 28,055 27,603 190,226 190,183 183,516 183,515 2,941 2,941 6,065 6,065 499,128 458,313 362,318 329,128 4,018 351 4,501 324 42,488 41,761 377,459 202,490 354,370 198,510 17,890,745 17,662,153 16,661,797 16,465,911 294,388 294,388 294,388 294,388 99,714 99,714 99,714 99,714 99,714 99,714 99,714 99,714 141,880 140,176 141,972 139,443 (102) (102) (53) (53) (35,573) (38,586) (3,854) (11,712) 141,334 140,692 125,714 125,109 207,817 207,693 193,462 193,338 646,558 606,765 560,339 526,804 1,496,016 1,450,740 1,411,682 1,367,031 80,663 72,578 75,410 68,545 1,576,679 1,523,318 1,487,092 1,435,576 19,467,424 19,185,471 18,148,889 17,901,487 43
3 2017 2016 2,303,018 2,349,188 480,888 577,253 172,763 161,417 485,649 482,281 155,732 97,002 94,734 130,407 87,990 109,408 96,065 78,951 10,642,844 9,734,544 (30,690) (21,058) a (17,395) (8,361) b (61,039) (68,236) c (46,277) (56,211) d 1,779,950 1,541,655 2,072,491 1,829,767 408,707 389,785 44,551 44,127 9,825 9,953 e 14,884 14,741 96,663 98,656 17,772 13,420 f 6,513 6,922 g 138 96 h 45,591 33,673 44,569 185,041 170,547 19,185,471 17,901,487 44
3 45 2017 2016 1,035,797 867,094 1,425,262 1,420,527 233,679 184,768 20,372 11,958 110,273 105,607 258,400 116,375 13,659,117 12,941,957 31,280 30,719 33,695 27,603 190,183 183,515 2,941 6,065 458,313 329,128 82,279 98,734 i 351 324 41,761 202,490 198,510 17,662,153 16,465,911 294,388 294,388 j 99,714 99,714 99,714 99,714 k 140,176 139,443 l (102) (53) m (38,586) (11,712) n (4) (20) o (18,974) (11,570) p 140,692 125,109 q 207,693 193,338 r 606,765 526,804 s 1,450,740 1,367,031 72,578 68,545 26,280 30,051 t 5,288 3,809 u 1,523,318 1,435,576 19,185,471 17,901,487
4 A H 1 2 601988.SH 3988.HK 360002.SH 4601.HK 360010.SH 3 4 5 6 7 8 282,501 151,808 31,963 39,782 27,969 9 210,766 83,622 32,000 39,940 28,000 10 11 2006 6 29 2006 6 1 2006 6 9 2014 11 21 2014 10 23 2015 3 13 12 13 14 46
4 A H 15 16 17 18 19 20 5 5 5 5 5 5 5 5 6% 5 6.75% 5 5 5 5 5 5 5.5% 47
4 A H 21 22 23 24 25 (1) 5.125% A (2) A (1) 5.125% H (2) H (1) 5.125% A (2) A 48
4 A H 26 A 2.62 A 3.44 2014 5 13 H (1) H H (2) H (3) H H H H H (4) A 2.62 A 49
4 A H 27 28 29 A H A 30 31 32 33 34 35 36 50
4 1 2 1428010.IB 5828.HK 1728017.IB 1728020.IB 3 4 5 6 7 8 29,972 19,424 29,960 29,962 9 30,000 30 30,000 30,000 10 11 2014 8 8 2014 11 13 2017 9 26 2017 10 31 12 13 2024 8 11 2024 11 13 2027 9 28 2027 11 2 14 15 5 2019 8 11 5 2022 9 28 5 2022 11 2 51
4 16 17 18 5.80% 5.00% 4.45% 4.45% 19 20 21 22 23 24 25 26 27 28 29 30 52
4 31 32 33 34 35 (1) (2) (1) (2) (1) (2) 36 (1) (2) 53