1398 4603 4604 84602 2014 2014 12 31 1. 1.1 A 601398 H 1398 ICBC USDPREF1 4603 ICBC EURPREF1 4604 ICBC CNHPREF1-R 84602 1.2 55 86-10-66108608 86-10-66107571 ir@icbc.com.cn 1
2. 2.1 2014 2013 2012 2011 2010 493,522 443,335 417,828 362,764 303,749 132,497 122,326 106,064 101,550 72,840 634,858 578,901 529,720 470,601 380,748 218,674 204,140 189,940 169,613 139,480 56,729 38,321 33,745 31,121 27,988 359,455 336,440 306,035 269,867 213,280 361,612 338,537 308,687 272,311 215,426 276,286 262,965 238,691 208,445 166,025 275,811 262,649 238,532 208,265 165,156 201,457 (1,947) 533,508 348,123 278,176 20,609,953 18,917,752 17,542,217 15,476,868 13,458,622 11,026,331 9,922,374 8,803,692 7,788,897 6,790,506 257,581 240,959 220,403 194,878 167,134 4,433,237 4,322,244 4,083,887 3,915,902 3,732,268 19,072,649 17,639,289 16,413,758 14,519,045 12,636,965 15,556,601 14,620,825 13,642,910 12,261,219 11,145,557 1,539,239 1,269,255 1,486,805 1,341,290 1,048,002 1,530,859 1,274,134 1,124,997 956,742 820,430 353,495 351,390 349,620 349,084 349,019 (1) 1,486,733 1,266,841 (1) 1,521,233 1,266,859 (1) 1,812,137 1,572,265 1,299,014 1,112,463 872,373 (1) 12,475,939 11,982,187 9,511,205 8,447,263 7,112,357 (2) 4.33 3.63 3.22 2.74 2.35 0.78 0.75 0.68 0.60 0.48 0.78 0.74 0.67 0.59 0.48 (S&P) (3) A A A A A (Moody s) (3) A1 A1 A1 A1 A1 2
2.2 2014 2013 2012 2011 2010 % (4) 1.40 1.44 1.45 1.44 1.32 (5) 19.96 21.92 23.02 23.44 22.79 (6) 2.46 2.40 2.49 2.49 2.35 (7) 2.66 2.57 2.66 2.61 2.44 (8) 2.26 2.45 2.66 2.68 2.55 20.87 21.13 20.02 21.58 19.13 (9) 27.93 28.80 29.24 29.91 30.99 % (10) 1.13 0.94 0.85 0.94 1.08 (11) 206.90 257.19 295.55 266.92 228.20 (12) 2.34 2.43 2.50 2.50 2.46 % (1) 11.92 10.57 (1) 12.19 10.57 (1) 14.53 13.12 13.66 13.17 12.27 7.46 6.76 6.43 6.19 6.11 60.53 63.34 54.22 54.58 52.85 (1) 20132010 2012 (2) (3) (4) (5) 9 2010 (6) (7) (8) (9) (10) (11) (12) 3
2.3 2014 12 31 3. 2014 2014 2,763 5.1% 0.78 0.03 4,935 11.3% (NIM) 9BP 2.66% 1,467 9.0% 18534.2% 9,273 349 10.1% 8.98 9.69,102 1,664 2,718.5 67% 3,460 14.6% 4,700467 319 1,400 60% 10 6.67.5 14 35.9% 1.9 5.8 700 50% 4
5 24 678 704,300 121 75 3.66 65.7% 2,356 2,500154 50% 2014 e-icbce e e e 1,200700 e 4,100 500 1,527 6.91.6 3,000 2014 86% O2O 2014 IT 1.13%
3,752 2014 15 4. 4.1 2014 20142,762.86 133.21 5.1% 1.40%19.96% 6,348.58 9.7% 4,935.22 11.3% 1,413.36 4.3% 2,186.74 7.1% 0.87 27.93% 567.29 48.0% 853.26 97.54 12.9% 2014 4,935.22 501.87 11.3% 77.7% 8,498.79 827.68 10.8% 3,563.57 325.81 10.1% 2.46% 2.66%69 6
2014 % 2013 % 10,599,094 615,488 5.81 9,457,500 548,640 5.80 4,047,961 159,262 3.93 3,969,162 148,514 3.74 3,817,143 154,070 4.04 3,711,336 142,713 3.85 (2) 230,818 5,192 2.25 257,826 5,801 2.25 (3) 3,087,982 48,384 1.57 2,883,971 45,487 1.58 (4) 826,615 26,745 3.24 908,823 24,470 2.69 18,561,652 849,879 4.58 17,219,456 767,111 4.45 1,371,253 1,172,816 (253,327) (234,280) 19,679,578 18,157,992 14,627,258 298,941 2.04 13,843,197 273,797 1.98 (4) 1,819,544 42,801 2.35 1,685,542 38,209 2.27 397,785 14,615 3.67 291,733 11,770 4.03 16,844,587 356,357 2.12 15,820,472 323,776 2.05 1,389,264 1,171,539 18,233,851 16,992,011 493,522 443,335 2.46 2.40 2.66 2.57 (1) (2) (3) (4) 7
6,154.88668.48 12.2% 11,415.94 2014 112014 2014 2013 % % 3,684,391 185,177 5.03 3,297,942 167,117 5.07 6,914,703 430,311 6.22 6,159,558 381,523 6.19 10,599,094 615,488 5.81 9,457,500 548,640 5.80 2014 2013 % % 6,750,524 413,751 6.13 6,216,071 378,988 6.10 221,383 12,746 5.76 171,591 10,330 6.02 2,873,029 162,346 5.65 2,509,792 140,608 5.60 754,158 26,645 3.53 560,046 18,714 3.34 10,599,094 615,488 5.81 9,457,500 548,640 5.80 1,592.62107.48 7.2% 1,540.70 113.57 8.0% 19 8
51.926.09 10.5% 2013 483.8428.97 6.4% 267.4522.75 9.3% 55 2,989.41251.44 9.2% 83.9% 7,840.61 6 2014 2013 % % 3,398,080 116,431 3.43 3,011,134 99,468 3.30 (1) 3,853,902 30,297 0.79 3,771,329 28,454 0.75 7,251,982 146,728 2.02 6,782,463 127,922 1.89 3,911,781 132,379 3.38 3,858,557 129,478 3.36 2,951,896 10,326 0.35 2,807,087 9,884 0.35 6,863,677 142,705 2.08 6,665,644 139,362 2.09 511,599 9,508 1.86 395,090 6,513 1.65 14,627,258 298,941 2.04 13,843,197 273,797 1.98 (1) 9
428.0145.92 12.0%1,340.02 8 146.1528.45 24.2% 20141,413.3657.70 4.3% 1,324.97 8.3%88.39 33.2% 2014 1,466.78121.28 9.0% 141.81 16.0% 2014 2013 % 35,133 28,533 6,600 23.1 30,474 29,486 988 3.4 30,422 30,513 (91) (0.3) 20,676 18,231 2,445 13.4 14,929 12,611 2,318 18.4 5,923 6,893 (970) (14.1) 4,614 4,357 257 5.9 2,019 1,857 162 8.7 2,488 2,069 419 20.3 146,678 134,550 12,128 9.0 14,181 12,224 1,957 16.0 132,497 122,326 10,171 8.3 10
351.33 66.00 23.1% 304.74 9.88 3.4% 206.76 24.45 13.4% 149.29 23.18 18.4% 24.88 4.19 20.3% 304.22 2014 2013 % 1,745 154 1,591 1,033.1 (10,024) (2,413) (7,611) 1,803 625 1,178 188.5 15,315 14,874 441 3.0 8,839 13,240 (4,401) (33.2) 88.3944.01 11
2014 2013 % 112,022 103,455 8,567 8.3 70,284 68,216 2,068 3.0 28,898 26,094 2,804 10.7 41,351 37,441 3,910 10.4 2,211 2,018 193 9.6 34,192 35,132 (940) (2.7) 218,674 204,140 14,534 7.1 2,186.74 145.34 7.1%1,120.22 8.3% 3.0% 341.92 2.7% 0.87 27.93% 567.29 184.08 48.0%562.67 181.69 47.7% 853.2697.54 12.9% 23.60% 4.2 (MOVA) 2014 2013 % % 303,372 47.8 281,784 48.7 237,532 37.4 200,028 34.6 85,674 13.5 89,310 15.4 8,280 1.3 7,779 1.3 634,858 100.0 578,901 100.0 12
2014 2013 % % 70,920 11.1 39,326 6.8 114,886 18.1 114,107 19.7 79,061 12.5 74,761 12.9 114,660 18.1 114,472 19.8 83,771 13.2 80,006 13.8 102,591 16.2 95,872 16.6 32,715 5.2 32,056 5.5 36,254 5.6 28,301 4.9 634,858 100.0 578,901 100.0 4.3 2014 2014206,099.53 16,922.01 8.9% 11,039.57 11.1% 1,109.93 2.6%2,296.15 7.0% 52.2% 21.5% 17.1% 13
2014 12 31 2013 12 31 % % 11,026,331 9,922,374 257,581 240,959 10,768,750 52.2 9,681,415 51.2 4,433,237 21.5 4,322,244 22.8 3,523,622 17.1 3,294,007 17.4 782,776 3.8 717,984 3.8 468,462 2.3 331,903 1.8 633,106 3.1 570,199 3.0 20,609,953 100.0 18,917,752 100.0 2014 2014 110,263.31 11,039.57 11.1% 97,172.24 9,020.42 10.2% 2014 12 31 2013 12 31 % % 7,612,592 69.0 7,046,515 71.0 350,274 3.2 148,258 1.5 3,063,465 27.8 2,727,601 27.5 11,026,331 100.0 9,922,374 100.0 5,660.77 8.0% 1,113.87 3.9% 4,546.90 10.9% 1,839.22 5.7% 4,089.06 12.4% 267.51 5.2% 14
2,020.16 136.3% 3,358.64 12.3%3,498.31 20.3% 612.49 16.5% 118.28 3.6% 591.10 19.2% 2014 12 31 2013 12 31 % % 10,582,050 95.97 9,632,523 97.08 319,784 2.90 196,162 1.98 124,497 1.13 93,689 0.94 66,809 0.60 36,532 0.37 49,359 0.45 43,020 0.43 8,329 0.08 14,137 0.14 11,026,331 100.00 9,922,374 100.00 2014105,820.50 9,495.27 95.97% 3,197.84 1,236.22 2.90% 1,244.97 308.081.13% 0.19 15
2014 12 31 2013 12 31 % % % % 7,612,592 69.0 92,277 1.21 7,046,515 71.0 73,253 1.04 350,274 3.2 71 0.02 148,258 1.5 10 0.01 3,063,465 27.8 32,149 1.05 2,727,601 27.5 20,426 0.75 11,026,331 100.0 124,497 1.13 9,922,374 100.0 93,689 0.94 922.77 190.241.21% 0.17 321.49 117.231.05% 2014 12 31 2013 12 31 % % % % 475,485 4.3 5,139 1.08 388,097 3.9 4,069 1.05 2,191,188 19.9 26,208 1.20 2,071,035 20.9 22,568 1.09 1,453,273 13.2 23,858 1.64 1,319,021 13.3 15,507 1.18 1,861,749 16.9 20,611 1.11 1,731,710 17.5 16,626 0.96 1,500,909 13.6 17,194 1.15 1,340,628 13.5 14,323 1.07 1,988,934 18.0 20,701 1.04 1,750,714 17.6 11,490 0.66 625,457 5.7 6,932 1.11 568,511 5.7 5,443 0.96 929,336 8.4 3,854 0.41 752,658 7.6 3,663 0.49 11,026,331 100.0 124,497 1.13 9,922,374 100.0 93,689 0.94 4,554.47 41.3%1,766.78 23.5% 16.0% 16
2014 12 31 2013 12 31 % % % % 1,532,947 22.7 35,681 2.33 1,488,594 23.5 27,054 1.82 256,186 3.8 3,637 1.42 237,524 3.7 3,159 1.33 238,857 3.5 6,288 2.63 232,245 3.7 4,482 1.93 175,163 2.6 4,819 2.75 180,786 2.9 3,646 2.02 139,117 2.1 4,181 3.01 141,603 2.2 4,460 3.15 121,013 1.8 906 0.75 99,701 1.6 1,000 1.00 111,892 1.7 908 0.81 120,375 1.9 321 0.27 98,443 1.5 3,569 3.63 88,098 1.4 1,635 1.86 70,236 1.0 1,980 2.82 67,942 1.1 1,843 2.71 51,951 0.8 204 0.39 58,267 0.9 399 0.68 270,089 3.9 9,189 3.40 262,053 4.1 6,109 2.33 1,335,127 19.8 4,226 0.32 1,219,345 19.2 5,381 0.44 772,536 11.5 35,612 4.61 786,202 12.4 26,739 3.40 699,649 10.4 1,353 0.19 618,246 9.8 1,813 0.29 575,469 8.5 2,164 0.38 456,519 7.2 867 0.19 470,014 7.0 56 0.01 465,037 7.3 114 0.02 443,471 6.6 3,713 0.84 463,585 7.3 4,029 0.87 262,338 3.9 1,576 0.60 245,930 3.9 629 0.26 205,881 3.1 1,242 0.60 181,605 2.9 881 0.49 159,469 2.4 1,312 0.82 146,625 2.3 739 0.50 114,012 1.7 429 0.38 100,878 1.6 535 0.53 172,986 2.4 1,306 0.75 166,154 2.6 1,061 0.64 6,743,899 100.0 88,670 1.31 6,338,720 100.0 69,842 1.10 2014 1,189.50 26.1% 1,157.82 9.5% 814.03 13.2% 201.14 136.66 17
39,065 201,894 240,959 37,610 18,657 56,267 59,516 134,411 193,927 861 (861) (22,767) (114,893) (137,660) (2,779) (2,779) (33,875) (4,489) (38,364) 1,224 274 1,498 41,245 216,336 257,581 2014 2,575.81 166.22 206.90%2.34% 2.48% 2014 12 31 2013 12 31 % % 4,964,791 45.0 4,446,023 44.8 2,070,366 18.8 1,720,535 17.3 1,372,605 12.5 1,184,175 11.9 350,274 3.2 148,258 1.5 1,534,012 13.9 1,365,199 13.8 3,154,923 28.6 2,926,977 29.5 11,026,331 100.0 9,922,374 100.0 49,647.91 5,187.68 11.7% 13,726.05 1,884.30 15.9% 31,549.23 2,279.46 7.8% 18
2014 12 31 2013 12 31 % % 190 95,410 0.87 53,868 0.54 911 65,134 0.59 36,230 0.37 13 35,152 0.32 20,848 0.21 3 14,882 0.13 22,685 0.23 210,578 1.91 133,631 1.35 2,105.78 769.47 90 1,151.68 354.05 45.79 3.50 7.1% 3 19.26 7.75 289.88 186.05 42.12 17.36 4.8% 14.9% 2,703.81 2.5% 2014 2014 44,332.37 1,109.93 2.6% 19
2014 12 31 2013 12 31 % % 4,268,560 96.3 4,144,950 95.9 3,978,565 89.7 3,836,995 88.8 197,128 4.4 231,046 5.3 92,867 2.2 76,909 1.8 164,677 3.7 177,294 4.1 4,433,237 100.0 4,322,244 100.0 39,785.65 1,415.70 3.7% 1,971.28 339.18 14.7% 2014 12 31 2013 12 31 % % 1,026,985 25.8 976,351 25.4 346,154 8.7 389,662 10.2 1,687,791 42.4 1,682,619 43.9 917,635 23.1 788,363 20.5 3,978,565 100.0 3,836,995 100.0 506.34 5.2% 435.08 11.2% 51.72 0.3% 1,292.72 16.4% 20
2014 12 31 2013 12 31 % % 346,828 7.8 372,556 8.6 1,188,288 26.8 1,000,800 23.2 2,566,390 57.9 2,624,400 60.7 331,731 7.5 324,488 7.5 4,433,237 100.0 4,322,244 100.0 2014190,726.49 14,333.60 8.1% 2014 12 31 2013 12 31 % % 15,556,601 81.6 14,620,825 82.9 1,539,239 8.1 1,269,255 7.2 380,957 2.0 299,304 1.7 279,590 1.4 253,018 1.4 1,316,262 6.9 1,196,887 6.8 19,072,649 100.0 17,639,289 100.0 2014 2014 155,566.01 9,357.76 6.4% 5,336.36 7.1% 2,927.68 4.2% 5,713.72 7.8% 2,550.32 3.6% 21
2014 12 31 2013 12 31 % % 3,902,305 25.1 3,464,625 23.7 4,134,828 26.6 4,038,872 27.6 8,037,133 51.7 7,503,497 51.3 4,034,790 25.9 3,901,098 26.7 3,153,817 20.3 2,994,741 20.5 7,188,607 46.2 6,895,839 47.2 (1) 330,861 2.1 221,489 1.5 15,556,601 100.0 14,620,825 100.0 (1) 4.4 2014 4 2014 12 31 2013 12 31 2014 11.92%12.19%14.53% 2014 22
2014 2013 12 31 12 31 1,498,403 1,276,344 353,495 351,390 144,874 108,202 150,752 123,870 221,622 202,940 650,308 512,024 2,191 1,956 (24,839) (24,038) 11,670 9,503 8,487 8,049 1,279 1,474 (3,796) (3,920) 5,700 3,900 1,486,733 1,266,841 34,500 18 34,428 72 18 1,521,233 1,266,859 306,704 324,806 187,829 189,877 118,633 134,857 242 72 15,800 19,400 15,800 19,400 1,812,137 1,572,265 (1) 12,475,939 11,982,187 11.92% 10.57% 12.19% 10.57% 14.53% 13.12% (1) 2014 23
2014 2014 2013 12 31 12 31 1,532,903 1,276,362 11,670 9,503 1,521,233 1,266,859 20,597,355 18,927,994 2,824,092 2,557,075 23,409,777 21,475,566 6.50% 5.90% 2011 4.5 2014 2013 2012 % >=25.0 33.2 30.2 32.5 >=25.0 91.1 61.0 65.2 % <=75.0 68.4 66.6 64.1 % >=100.0 (2) 142.4 <=10.0 4.8 4.2 4.0 % 14.9 16.2 17.9 % % 2.7 1.7 1.9 17.2 9.7 4.1 37.4 43.9 28.1 5.2 9.5 4.4 (1) (2) 2018 100%2014 2015 2016 2017 60% 70% 80% 90% 24
2014 2013 23,409,777 21,475,566 2,191,729 2,113,543 1,630,141 1,314,192 1,937,790 1,557,845 287,748,223 220,468,189 5,828,863 4,621,301 512,679 329,523 2,529,568 2,198,301 625,941 92,585 155,102 144,819 915,598 841,895 1,155,853 1,046,604 4.6 III 25
2014 2015 20151.3 1.11.45% 26
5. 5.1 827,567 H 143,131A 684,436 2015 3 19 854,445 102014 12 31 % A 35.12 124,155,852,951 A 34.88 123,316,451,864 (3) A H 0.18 24.33 625,028,761 86,021,039,918 005L CT001 TEMASEK FULLERTON ALPHA PTE LTD A 1.27 4,503,771,410 A 0.30 1,053,190,083 A 0.09 317,038,827 A 0.07 255,422,003 A 0.06 203,612,909 A 0.06 196,865,702 A 0.05 188,007,006 (1) HH (2) (3) 625,028,761 A 86,021,039,918 H 27
5.2 5.3 XV23 2014 12 31 336 A A% A % (1) 118,006,174,032 44.25 33.38 (2) 118,006,174,032 44.25 33.38 (1) 2014 12 31 123,316,451,864 (2) 2014 12 31 124,155,852,951 H H% H % 9,540,438,314 10.99 2.70 Temasek Holdings (Private) Limited 7,812,951,355 9.00 2.21 JPMorgan Chase & Co. 981,208,567 1.13 0.28 655,207,259 0.75 0.19 99,300 0.00 0.00 3,954,514,159 4.56 1.12 5,591,029,285 6.44 1.58 416,834,931 0.48 0.12 Blackrock, Inc. 5,239,506,203 6.04 1.48 12,070,000 0.01 0.00 28
5.4 A A 2011 3 1 2014 12 3115,463,371,000 A 4,475,667,993 9,536,629,000 38.15% A2014 11 192014 12 30 3.27 130% 4.25 2015 2 12 2015 2 1224,985,764,000 A14,236,000 2015 2 262015 2 26 2015 2 16 5.5 5.5.1 2014 2014 7 259 19 800 350 450 [2014]801[2014]1229 2014 11 2014 12 10 2014 12 11 4603 6% 2,940,000,000 20 147,000,000 4604 6% 600,000,000 15 40,000,000 84602 6% 12,000,000,000 100 120,000,000 100 6 29
2014 12 10 345.5 344.3 5.5.2 2 2015 3 19 2 102014 12 31 % Cede & Co. 147,000,000 47.9 147,000,000 The Bank of 120,000,000 39.1 120,000,000 New York Depository (Nominees) Limited The Bank of New York Depository (Nominees) Limited 40,000,000 13.0 40,000,000 (1) (2) (3) 5.5.3 5.5.4 5.5.5 5.5.6 [2014]13 30
6. 20% 2013 4 2 20% 2014 2 27 20% 60% 2014 1 29 60% 5 220% 6 2015 2 1 Tekstilbank 75.5% 2014 4 29 GSD Holding A. Ş. Tekstilbank75.5% Tekstilbank 7. 7.1 A.2.7 E.1.2 2015 1 22 2014 6 6 2013 7.2 2014 12 31 31
7.3 2014 6 62013 2014 6 19 2013 1 12013 12 31 102.617 919.60 2014 102.554 910.26 2014 2015 7 6 AH2015 7 12015 7 6 H H 2015 6 30 H 183 17 1712 1716H 2015 7 30A 2015 7 7 2014 2013 2012 10 2.554 2.617 2.39 91,026 91,960 83,565 (1) % 33 35 35 (1) 7.4 A 8. 8.1 2014 32
8.2 8.2.1 2014 12 31 2014 2013 849,879 767,111 (356,357) (323,776) 493,522 443,335 146,678 134,550 (14,181) (12,224) 132,497 122,326 1,745 154 (10,024) (2,413) 1,803 625 15,315 14,874 634,858 578,901 (218,674) (204,140) (56,267) (38,098) (462) (223) 359,455 336,440 2,157 2,097 361,612 338,537 (85,326) (75,572) 276,286 262,965 275,811 262,649 475 316 276,286 262,965 0.78 0.75 0.78 0.74 33
8.2.2 2014 12 31 2014 2013 276,286 262,965 34,550 (25,750) 110 (209) 80 763 (2,173) (11,436) 3 32,567 (36,629) 308,853 226,336 308,122 226,375 731 (39) 308,853 226,336 34
8.2.3 2014 12 31 2014 2013 12 31 12 31 3,523,622 3,294,007 782,776 717,984 34,373 28,143 312,455 344,413 24,048 25,020 468,462 331,903 10,768,750 9,681,415 4,086,409 3,949,688 28,919 28,515 199,280 164,347 24,758 28,860 356,101 323,457 20,609,953 18,917,752 631 724 589,385 553,607 24,191 19,168 1,539,239 1,269,255 380,957 299,304 176,248 130,558 15,556,601 14,620,825 60,666 55,674 451 420 279,590 253,018 464,690 436,736 19,072,649 17,639,289 353,495 351,390 34,428 388 1,960 492,312 408,835 650,236 511,949 1,530,859 1,274,134 6,445 4,329 1,537,304 1,278,463 20,609,953 18,917,752 35
8.2.4 2014 12 31 2014 1 1 351,390 1,960 138,852 123,870 202,940 (29,379) (24,038) (3,961) 551 408,835 511,949 1,274,134 4,329 1,278,463 275,811 275,811 475 276,286 34,188 (2,065) 108 80 32,311 32,311 256 32,567 34,188 34,188 34,188 362 34,550 108 108 108 2 110 80 80 80 80 (2,065) (2,065) (2,065) (108) (2,173) 34,188 (2,065) 108 80 32,311 275,811 308,122 731 308,853 2013 (91,960) (91,960) (91,960) (i) 26,882 26,882 (26,882) (ii) 18,682 18,682 (18,682) 34,428 34,428 34,428 2,105 5,572 5,572 7,677 7,677 1,393 1,393 (8) (8) (1,572) (1,572) (1,572) 30 30 30 30 2014 12 31 353,495 34,428 388 144,424 150,752 221,622 4,809 (26,103) (3,853) 661 492,312 650,236 1,530,859 6,445 1,537,304 (i) 1.14 3.45 (ii) 5.20 36
2013 1 1 349,620 2,708 133,835 98,063 189,071 (3,757) (12,822) (3,754) (508) 400,128 372,541 1,124,997 3,462 1,128,459 262,649 262,649 316 262,965 8 (25,622) (11,216) (207) 763 (36,274) (36,274) (355) (36,629) (25,622) (25,622) (25,622) (128) (25,750) (207) (207) (207) (2) (209) 763 763 763 763 (11,216) (11,216) (11,216) (220) (11,436) 8 8 8 (5) 3 8 (25,622) (11,216) (207) 763 (36,274) 262,649 226,375 (39) 226,336 2012 (83,565) (83,565) (83,565) (i) 25,807 25,807 (25,807) (ii) 13,869 13,869 (13,869) 1,770 5,009 5,009 6,779 6,779 953 953 (47) (47) (748) (748) (748) 296 296 296 296 2013 12 31 351,390 1,960 138,852 123,870 202,940 (29,379) (24,038) (3,961) 551 408,835 511,949 1,274,134 4,329 1,278,463 (i) 0.67 3.58 (ii) 11.40 37
8.2.5 2014 12 31 2014 2013 361,612 338,537 (2,157) (2,097) 16,094 14,420 2,211 2,018 (102) (163) 56,267 38,098 462 223 (476) 6,206 11,705 10,785 (2,779) (2,019) (1,626) (524) (24) (40) 10,024 2,413 (944) (848) (177) (101) 450,090 406,908 (223,291) (319,010) 3,069 81,342 (6,047) (7,804) 35,022 (142,720) (173,890) 5,443 (1,121,840) (1,159,539) (143,088) (10,432) (1,630,065) (1,552,720) 33,136 234,583 (93) (409) 260,411 (207,685) 81,653 61,540 43,147 94,351 920,197 994,119 130,182 42,214 38 1,468,633 1,218,713
2014 2013 288,658 72,901 (87,201) (74,848) 201,457 (1,947) (53,957) (44,427) 3,802 1,088 (1,109,178) (1,239,747) 1,011,771 1,117,779 (324) 493 1,145 653 (146,741) (164,161) 34,549 1,393 955 95,554 44,367 (11,278) (10,074) (54,594) (17,084) (17) (91,960) (83,565) (8) (47) (26,344) (65,465) 28,372 (231,573) 957,402 1,201,647 8,490 (12,672) 994,264 957,402 836,797 756,529 (315,230) (265,008) 39
8.3 2014 2014 10 12 27 32 36 39 21 10 12 27 10 32 3232 36 36 39 39 40
21 8.4 8.4.1 2014 2013 615,488 548,640 437,789 395,461 164,612 142,625 13,087 10,554 159,262 148,514 48,384 45,487 26,745 24,470 849,879 767,111 (298,941) (273,797) (42,801) (38,209) (14,615) (11,770) (356,357) (323,776) 493,522 443,335 41
8.4.2 2014 2013 30,422 30,513 30,474 29,486 35,133 28,533 20,676 18,231 14,929 12,611 5,923 6,893 4,614 4,357 2,019 1,857 2,488 2,069 146,678 134,550 (14,181) (12,224) 132,497 122,326 8.4.3 2014 2013 1,103 1,383 24 40 618 (1,269) 1,745 154 8.4.4 2014 2013 16,158 8,021 (26,182) (10,434) (10,024) (2,413) 42
8.4.5 2014 2013 145 93 32 8 177 101 1,626 524 1,803 625 8.4.6 2014 2013 590 1,043 3,673 6,593 6,722 3,412 1,319 1,012 303 315 2,708 2,499 15,315 14,874 43
8.4.7 2014 2013 70,284 68,216 28,541 24,185 13,197 11,054 112,022 103,455 16,094 14,420 6,543 5,799 3,556 3,206 2,705 2,669 28,898 26,094 2,211 2,018 23,709 24,721 41,351 37,441 10,483 10,411 218,674 204,140 8.4.8 2014 2013 8 58 3 (295) 163 102 288 358 462 223 44
8.4.9 (a) 2014 2013 88,981 74,159 1,613 1,081 2,151 1,044 92,745 76,284 254 (2,684) (7,673) 1,972 85,326 75,572 (b) 25% 2014 2013 361,612 338,537 90,403 84,634 (575) (264) 3,937 1,865 (9,081) (8,283) (539) (524) 254 (2,684) 927 828 85,326 75,572 45
8.4.10 2014 2013 2013 0.2617 2012 0.239 91,960 83,565 2014 2013 12 31 2014 0.2554 2013 0.2617 91,026 91,958 8.4.11 2014 2013 275,811 262,649 351,438 350,068 0.78 0.75 46
2014 2013 275,811 262,649 447 565 276,258 263,214 351,438 350,068 2,916 4,652 354,354 354,720 0.78 0.74 8.4.12 47
2014 12 31 3 3 1 1 5 5 1015,906 753,091 92,944 4,237 1,866,178 19,068 (20,281) 12,670 32,181 301 45,152 165 9,564 6,919 99 16,582 (140) 1,038,140 792,191 93,344 4,237 1,927,912 19,233 (20,421) 70,707 88,816 152,041 33,598 345,162 2,408 (2,382) 5,198 11,219 819 17,236 2 (5) 75,905 100,035 152,860 33,598 362,398 2,410 (2,387) 185,228 52,507 1,304 219 239,258 2,405 (1,383) 1,299,273 944,733 247,508 38,054 2,529,568 24,048 (24,191) 48
2013 12 31 3 3 1 1 5 5 841,965 679,653 79,228 1,492 1,602,338 17,977 (13,331) 4,071 30,395 210 34,676 164 605 5,471 210 6,286 (33) 846,641 715,519 79,648 1,492 1,643,300 18,141 (13,364) 39,736 98,611 153,414 21,563 313,324 3,068 (3,394) 823 3,878 48 4,749 (1) 40,559 102,489 153,462 21,563 318,073 3,068 (3,395) 195,466 40,513 844 254 237,077 3,811 (2,409) 1,082,666 858,521 233,954 23,309 2,198,450 25,020 (19,168) 2014 12 31 3 3 1 1 5 5 318 378 1,778 3,734 6,208 190 (31) 3,022 6,508 9,530 98 25 25 3,340 6,911 1,778 3,734 15,763 288 (31) 49
2013 12 31 3 3 1 1 5 5 127 3,138 2,531 3,490 9,286 291 (49) 127 3,138 2,531 3,490 9,286 291 (49) 2013 2014 2013 136 203 (129) (206) 7 (3) 2014 12 31 3 3 1 1 5 5 69 69 16 470 837 8,748 3,688 13,743 51 (217) 470 906 8,748 3,688 13,812 67 (217) 50
2013 12 31 3 3 1 1 5 5 55 302 68 425 8 (5) 1,080 3,761 5,386 3,187 13,414 12 (316) 1,135 4,063 5,454 3,187 13,839 20 (321) 2014 12 31 2013 12 31 24,882 33,670 22,676 31,252 1,631 1,348 565 1,070 10 17,717 19,874 42,599 53,544 (i) 8.4.13 2014 12 31 2013 12 31 331,731 324,488 2,566,390 2,624,400 1,188,288 1,000,800 4,086,409 3,949,688 51
8.4.14 2014 2013 43,992 (32,502) 1,602 (1,362) (11,044) 8,114 34,550 (25,750) 122 (272) (12) 63 110 (209) 80 763 (2,173) (11,436) 5 (2) 3 32,567 (36,629) 8.4.15 (a) 2014 12 31 2013 12 31 850 692 28,738 1,521 29,588 2,213 52
(b) 2014 12 31 2013 12 31 5,210 4,448 12,389 9,163 580 2,433 18,179 16,044 2014 12 31 2013 12 31 6,156 2,993 23,987 10,745 25,198 7,755 55,341 21,493 (c) 53
2014 12 31 2013 12 31 348,924 327,048 33,369 102,275 274,186 276,913 56,096 88,669 334,838 409,095 235,664 265,303 584,362 536,245 474,684 440,408 2,342,123 2,445,956 2014 12 31 2013 12 31 (i)(ii) 1,014,045 917,567 (i) 2014 12 31 (ii) 2013 12 31 (d) 2014 12 31 30.01 2013 12 31 23.89 (e) 2014 12 31 908.74 2013 12 31 879.82 54
(f) 8.4.16 2014 12 31 2013 12 31 (a) 55
2014 294,461 17,155 180,776 1,130 493,522 (72,827) 168,038 (95,211) 80,513 52,317 575 (908) 132,497 1,225 22 (466) 8,058 8,839 303,372 237,532 85,674 8,280 634,858 (97,626) (93,075) (20,129) (7,844) (218,674) (40,176) (16,091) (56,267) (322) (1) (144) 5 (462) 165,248 128,365 65,401 441 359,455 2,157 2,157 165,248 128,365 65,401 2,598 361,612 (85,326) 276,286 7,473 5,576 2,803 242 16,094 1,111 661 413 26 2,211 26,235 19,322 9,770 777 56,104 2014 12 31 7,978,544 3,110,238 9,402,275 118,896 20,609,953 28,919 28,919 81,543 60,209 30,286 27,242 199,280 16,915 7,059 4,629 10,377 38,980 8,733,027 7,404,957 2,865,472 69,193 19,072,649 1,867,439 474,684 2,342,123 56
2013 271,599 (168) 171,421 483 443,335 (68,036) 154,921 (86,885) 76,911 45,254 995 (834) 122,326 1,310 21 3,779 8,130 13,240 281,784 200,028 89,310 7,779 578,901 (92,594) (85,994) (17,827) (7,725) (204,140) (27,644) (10,454) (38,098) 43 1 9 (276) (223) 161,589 103,581 71,492 (222) 336,440 2,097 2,097 161,589 103,581 71,492 1,875 338,537 (75,572) 262,965 6,614 5,058 2,544 204 14,420 1,016 601 381 20 2,018 21,195 15,990 8,103 592 45,880 2013 12 31 7,193,345 2,765,136 8,820,870 138,401 18,917,752 28,515 28,515 64,306 48,874 24,496 26,671 164,347 14,867 7,141 4,638 9,902 36,548 8,030,376 7,087,551 2,475,913 45,449 17,639,289 2,005,548 440,408 2,445,956 57
(b) 58
2014 189,569 62,596 47,949 29,633 48,166 75,409 18,613 21,587 493,522 (134,777) 21,946 9,293 70,935 15,274 7,669 9,127 533 4,532 32,565 22,016 22,364 20,643 19,403 5,143 6,150 (319) 132,497 11,915 (2,221) (197) (8,272) (312) 110 (168) 7,984 8,839 71,239 114,886 79,061 114,660 83,771 102,591 32,715 36,254 (319) 634,858 (21,206) (35,353) (25,307) (36,334) (33,689) (38,735) (14,525) (13,844) 319 (218,674) (3,727) (15,641) (11,495) (6,806) (7,574) (7,131) (2,637) (1,256) (56,267) (67) (49) 7 (25) (52) 3 (11) (268) (462) 46,239 63,843 42,266 71,495 42,456 56,728 15,542 20,886 359,455 2,157 2,157 46,239 63,843 42,266 71,495 42,456 56,728 15,542 23,043 361,612 (85,326) 276,286 1,809 2,252 1,469 2,016 2,440 2,806 1,083 2,219 16,094 859 202 125 137 263 385 66 174 2,211 2,413 4,795 1,376 3,033 3,246 4,007 1,317 35,917 56,104 2014 12 31 8,820,680 4,680,319 3,342,070 3,394,573 2,008,309 2,579,889 1,001,247 1,919,486 (7,161,378) 20,585,195 28,919 28,919 14,363 26,113 12,294 19,086 19,839 24,204 10,748 72,633 199,280 11,274 5,986 2,691 3,631 5,307 5,674 1,325 3,092 38,980 24,758 20,609,953 7,431,623 4,693,296 3,457,784 4,344,494 1,983,382 2,555,769 959,520 747,042 (7,161,378) 19,011,532 61,117 19,072,649 469,704 438,216 319,851 419,494 129,088 158,055 58,811 348,904 2,342,123 59
2013 172,708 58,681 43,074 29,780 41,725 63,647 17,334 16,386 443,335 (143,331) 25,426 10,766 64,587 18,543 13,666 9,778 565 3,860 30,125 20,056 20,493 19,439 18,133 4,829 5,441 (50) 122,326 6,139 (125) 865 (388) 299 426 115 5,909 13,240 39,376 114,107 74,761 114,472 80,006 95,872 32,056 28,301 (50) 578,901 (16,468) (34,465) (24,769) (34,237) (32,384) (36,463) (14,199) (11,205) 50 (204,140) (2,695) (16,599) (5,428) (4,108) (2,754) (3,586) (739) (2,189) (38,098) 83 (21) (18) (159) (2) 85 167 (358) (223) 20,296 63,022 44,546 75,968 44,866 55,908 17,285 14,549 336,440 2,097 2,097 20,296 63,022 44,546 75,968 44,866 55,908 17,285 16,646 338,537 (75,572) 262,965 1,564 2,203 1,472 1,984 2,327 2,623 1,075 1,172 14,420 855 225 143 112 231 255 60 137 2,018 3,169 5,307 3,410 4,631 5,855 6,955 2,341 14,212 45,880 2013 12 31 8,178,181 4,769,329 3,032,428 3,326,666 1,808,412 2,331,126 945,023 1,599,413 (7,101,686) 18,888,892 28,515 28,515 13,857 23,791 12,458 18,498 19,467 23,017 10,470 42,789 164,347 11,177 5,552 2,766 3,690 4,896 4,716 1,348 2,403 36,548 28,860 18,917,752 6,891,849 4,709,007 2,988,614 3,648,679 1,763,358 2,273,841 926,129 1,483,349 (7,101,686) 17,583,140 56,149 17,639,289 494,153 456,115 389,353 386,886 149,095 192,459 71,345 306,550 2,445,956 60
9. 9.1 2014 12 31 2013 12 31 1,486,733 1,393,120 1,266,841 1,190,490 1,521,233 1,427,548 1,266,859 1,190,490 1,812,137 1,699,357 1,572,265 1,478,863 11.92% 12.05% 10.57% 10.58% 12.19% 12.35% 10.57% 10.58% 14.53% 14.70% 13.12% 13.14% 11.49% 11.82% 10.62% 10.86% 14.29% 14.35% 13.31% 13.25% 2014 61
2014 12 31 2013 12 31 11,091,736 10,923,428 7,478,053 3,613,683 79,189 78,283 68,888 10,301 1,068,357 980,476 236,657 12,475,939 11,982,187 9.2 2014 12 31 7,027,466 3,041,593 10,069,059 62
2014 12 31 11,415,730 3,562,770 1,304,337 3,357,016 4,853 771,816 92,946 12,280,492 2014 12 31 1 758,094 0.32% 44.69% 441,657 58.26% 2 831,252 0.50% 44.25% 583,329 70.17% 3 1,399,419 0.74% 43.64% 1,119,323 79.98% 4 1,960,177 1.17% 42.78% 1,744,549 89.00% 5 1,183,950 2.09% 41.25% 1,149,614 97.10% 6 598,129 3.29% 41.76% 660,682 110.46% 7 158,268 4.46% 40.31% 184,321 116.46% 8 24,935 6.06% 41.98% 33,969 136.23% 9 11,892 8.22% 41.58% 17,595 147.96% 10 7,464 13.97% 41.29% 13,551 181.55% 11 10,516 20.00% 39.91% 20,452 194.48% 12 83,370 100.00% 44.07% 214,824 257.68% 7,027,466 6,183,866 88.00% 63
2014 12 31 2,045,644 1.61% 23.32% 540,492 26.42% 394,118 3.39% 53.05% 95,029 24.11% 601,831 5.65% 35.01% 235,380 39.11% 3,041,593 870,901 28.63% 9.3 2014 12 31 5,511 824 824 0 6,335 99%10250 64
(VaR) 9.4 2014 750 554 773 426 171 107 205 25 811 558 830 402 53 31 184 11 1,375 1,050 1,428 754 109 91 152 43 1,394 1,041 1,464 789 73 44 133 22 2014 854.69 9.5 2014 2014 12 31 2013 12 31 100 (1,635) (30,483) (3,625) (23,845) 100 1,635 32,354 3,625 25,219 65
(1) 2014 12 31 (1) (2) (1) 2013 12 31 (1) (2) 28,049 840 506 28,221 874 218 2,789 3,127 1,267 1,900 1,573 863 30,838 3,967 1,773 30,121 2,447 1,081 (1) (2) 10. (www.hkexnews.hk) (www.icbc-ltd.com)2014 2014 (www.hkexnews.hk) (www.icbc-ltd.com) 2014H 2014 2014 (www.sse.com.cn) (www.icbc-ltd.com) 2015 3 26 M C 66