: 3328
1908 2005620075 10529769 1662,6368 20081,00066 54 ISMS ISO27001 2010
2 4 8 16 23 64 70 85 92 98 114 117 121 123 129 284 298 300 308
80,000 30,000 28,393 3,000,000 2,682,947 70,000 65,862 25,000 2,500,000 60,000 50,000 53,943 20,000 20,274 2,000,000 1,719,483 2,110,444 40,000 39,497 15,000 1,500,000 1,423,439 30,000 25,191 31,478 10,000 9,249 12,274 1,000,000 1,144,005 20,000 10,000 5,000 1,604 500,000 0 2004 2005 2006 2007 2008 0 2004 2005 2006 2007 2008 0 2004 2005 2006 2007 2008 1.2 1.19 25 3.00 3.0 2.80 1.0 0.8 0.72 0.78 1.06 20 15 13.68 14.15 18.16 20.10 2.5 2.0 2.53 2.05 1.92 0.6 1.5 10 0.4 1.0 0.2 0.15 5 4.56 0.5 0.0 2004 2005 2006 2007 2008 0 2004 2005 2006 2007 2008 0.0 2004 2005 2006 2007 2008 2
2008 2007 2006 2005 2004 1 2 65,862 53,943 39,497 31,478 25,191 35,719 31,114 17,405 12,843 7,750 28,393 20,274 12,274 9,249 1,604 2,682,947 2,110,444 1,719,483 1,423,439 1,144,005 2 1,328,590 1,104,490 924,825 769,540 638,784 2,532,852 1,977,123 1,628,988 1,340,293 1,091,902 2 1,865,815 1,555,599 1,344,177 1,212,824 1,023,334 150,095 133,321 90,495 83,146 52,103 149,662 132,903 90,436 83,082 52,103 0.58 0.42 0.27 0.22 0.06 3.06 2.72 1.98 1.82 1.33 3.05 2.71 1.97 1.81 1.33 % 3 1.19 1.06 0.78 0.72 0.15 4 20.10 18.16 14.15 13.68 4.56 5 39.94 40.29 47.66 51.24 60.78 6 1.92 2.05 2.53 2.80 3.00 7 116.83 95.63 72.31 57.96 44.00 8 166.10 142.50 91.17 57.96 44.00 % 9 9.54 10.27 8.52 8.78 6.77 9 13.47 14.44 10.83 11.20 9.72 1 392003200511 2 3 4 5 6 7 8 9 3
Bank of Communications Co., Ltd. Ian R. Wilson Thomas J. Manning 188 200120 86-21-58766688 86-21-58798398 investor@bankcomm.com www.bankcomm.com 20 4
H www.hkexnews.hk A www.sse.com.cn A H 183 1717121716 A 166 3 H 3328 A 601328 1987330 20081230 100000000005954 31004310000595X 10000595-X 5
2008 6
21 A 2008 2008 NO.1) 50 TOP10 2008 25 7
2008 2008 20082.6 27.13%283.9340.05% 1.19%20.10%0.131.94 13.47%9.54% 8
54 66 2008 2008 9
2008 2008 2010 20081.92%166.10% 2008512 8,000160 2008 4,000 2008 2010 175 10
2008 1,140 2008 20081,000 68546966 2008 2008 100 2008 8 11
2008 2008 2008 2008 12
2030 13
14
2008 2010 15
2008 200826,829.4727.13% 18,658.1519.94%13,285.90 20.29%283.9340.05% 39.94%0.35 16
27.13% 40.05% 0.990.200.27 17.7%25 17
1,000 11.35%1.71 2008 0.090.35 0.240.25 6 2008 2.88%3.02%1017 ISO27001 2008 2010 18
0.13 200830 2008 2009 19
2008 20
21
v 22
2008 200826,829.47 25,328.52 1,496.62 27.13%28.11%12.61%283.93 40.05%0.5838.10% 2008 7 200820.29% 13,285.902,187.47 22.98%0.2419.94% 18,658.15747472 1,000 1051 3 23
2008 357.1914.80%283.93 40.05%1.19%0.13 20.10%1.94 2008 17.7% 38.1 200810 1 580.50%6.13 24
20081,341.18 24.77%36.21%1.40 12.18%2.47 90.05% 2.480.95 5 104.1 224.3044.78% 3.99% 2008 658.6222.10%2.88% 3.02%1017 2008 45.66%25.85% 24.46%6.43% 29.03% 6.59% 2,000 10 25
1.293.43 200888.37 24.55%11.44%0.14 2008 219.11 26.19% 2008140.782.15 71 IT 2008 6 OTO 3515 6 3,03547% 95% 99% 26
IT 2008308.6722.03% 39.94%0.35 38.94 1,082.4623.82%39.83% 2008 27
2008 2.05%0.131.92%166.10% 23.60 99%2008 161.6 100 9+28 2008 2008 20087 30 6.8 116.83%21.20 28
1. 2008357.19 46.0514.80% 2008 2007 65,862 53,943 8,837 7,095 (10,690) (6,380) 35,719 31,114 2. 2008658.6222.10% 85.23% 29
2008123112 2007123112 1 1 296,003 4,985 1.68% 230,754 3,438 1.49% 192,410 6,907 3.59% 170,501 5,971 3.50% 1,167,624 82,784 7.09% 1,033,547 65,417 6.33% 942,533 67,120 7.12% 833,761 53,171 6.38% 179,862 13,083 7.27% 143,856 9,046 6.29% 45,229 2,581 5.71% 55,930 3,200 5.72% 561,927 22,430 3.99% 468,799 15,493 3.30% 2,181,119 4 115,396 4 5.29% 1,890,040 4 89,658 4 4.74% 136,485 89,867 2,317,604 4 1,979,907 4 1,640,628 37,538 2.29% 1,481,607 25,993 1.75% 1,093,191 24,059 2.20% 1,044,343 16,382 1.57% 547,437 13,479 2.46% 437,264 9,611 2.20% 404,398 11,817 2.92% 319,868 8,690 2.72% 43,654 1,889 4.33% 37,966 1,693 4.46% 2,051,835 4 49,534 4 2.41% 1,825,880 4 35,715 4 1.96% 265,769 154,027 2,317,604 4 1,979,907 4 65,862 53,943 2 2.88% 4 2.78% 4 3 3.02% 4 2.85% 4 2 2.97% 5 2.85% 5 3 3.11% 5 2.92% 5 1 2 3 4 5 30
20082.88%3.02% 1017 (1) 2007 6.33% 7.09% (2) 3.30%3.99% (3) 1.75%2.29% 31
20082007 20072006 972 575 1,547 1,212 130 1,342 767 169 936 970 138 1,108 8,487 8,880 17,367 12,267 6,551 18,818 3,073 3,864 6,937 3,645 863 4,508 13,299 13,488 26,787 18,094 7,682 25,776 2,783 8,762 11,545 3,953 2,725 6,678 2,299 828 3,127 4,439 (600) 3,839 254 (58) 196 978 (60) 918 5,336 9,532 14,868 9,370 2,065 11,435 7,963 3,956 11,919 8,724 5,617 14,341 2008119.19 79.63 39.56 66.81%33.19% 3. 2008 2008 88.3717.4224.55% 11.44%0.14 32
2008 2007 2,045 1,744 2,938 2,017 912 399 667 530 853 2,191 590 614 1,081 244 1,035 506 10,121 8,245 (1,284) (1,150) 8,837 7,095 4. 2008308.6755.72 22.03%39.94%0.35 200838.28%2.01 5. 2008106.9043.10 (1) 33
58.5538.39 20.12(2) 48.603.832008 0.80%0.22 0.65% 6. 200872.2934.83 32.51%20.24%25% 2008 2007 8,244 9,643 (1,015) 1,069 1. 2008 26,829.47 5,725.0327.13% 2008 48.41%23.22%13.50% 12.36% 34
2008 1231 2007 1231 1,053,799 900,536 205,058 172,474 69,733 31,480 1,328,590 1,104,490 (29,814) (21,702) 1,298,776 1,082,788 623,071 557,102 362,180 261,433 331,511 156,110 (1) 2008 2008 13,285.902,241.0020.29% 2,187.4722.98% 71.21%0.21 2008 17.7% 38.1 35
20081231 20071231 % % 60,331 4.54 51,599 4.67 23,680 1.78 22,465 2.03 33,766 2.54 27,845 2.52 67,141 5.05 52,823 4.78 22,102 1.66 24,124 2.18 114,481 8.63 99,850 9.04 148,935 11.21 121,578 11.01 105,541 7.94 76,751 6.95 108,559 8.17 95,153 8.62 49,990 3.76 37,267 3.37 88,568 6.67 77,592 7.03 92,207 6.94 79,411 7.19 52,261 3.93 46,206 4.18 20,279 1.53 14,451 1.31 20,560 1.55 22,065 2.00 13,977 1.05 10,366 0.94 8,200 0.62 12,149 1.10 10,164 0.77 13,808 1.25 13,057 0.98 15,033 1.36 1,053,799 79.32 900,536 81.53 133,415 10.04 112,941 10.23 23,873 1.80 22,709 2.06 16,883 1.27 11,333 1.03 4,271 0.32 4,534 0.41 20,453 1.54 7,929 0.72 6,163 0.46 13,028 1.17 205,058 15.43 172,474 15.62 69,733 5.25 31,480 2.85 1,328,590 100.00 1,104,490 100.00 36
200810,537.99 1,532.6317.02% 64.96% 2,050.58325.84 18.89%0.1915.43% 204.7418.13% 0.42 125.24157.95% 5.37 15% 10% 20081231 % A 6,818 0.51 B 6,174 0.46 C 4,376 0.33 D 4,100 0.31 E 3,560 0.27 F 3,450 0.26 G 3,067 0.23 H 2,930 0.23 I 2,720 0.20 J 2,600 0.20 39,795 3.00 37
27.15%18.86%7.80% 2008123165.86% 20081.92% 0.13166.10%23.60 90 2008 1231 2007 1231 25,520 22,694 90 20,979 19,708 1.92% 2.05% 2008 101 580.50% 6.136 713.62%5.94 8 102.12%0.21 (2) 2008 2008 6,230.71659.6911.84% 3.99%69 116.83%21.20 38
20081231 20071231 % % 22,280 3.58 17,002 3.05 90,903 14.59 66,693 11.97 142,010 22.79 146,454 26.29 367,878 59.04 326,953 58.69 623,071 100.00 557,102 100.00 20081231 20071231 % % 294,356 47.24 307,556 55.21 8,764 1.41 5,912 1.06 225,966 36.27 209,355 37.58 93,985 15.08 34,279 6.15 623,071 100.00 557,102 100.00 39
2008 49.00334.87 1.25% 2. 200825,328.52 5,557.2928.11% 2008 18,658.153,102.1619.94% 63.25%1.04 36.21%1.40 47.07%12.53 51.09%13.01 2008 1231 2007 1231 1,180,207 1,000,040 646,894 699,289 8,207 7,785 525,106 292,966 675,564 541,446 231,335 227,796 16,093 14,295 428,136 299,355 40
1. 2008 2008 2007 1 1 3,897 24,562 2,950 16,717 962 7,607 829 6,002 2 11,010 49,393 7,144 36,813 5,730 24,130 4,313 18,702 1,794 9,547 1,376 7,412 50 5,700 960 8,651 5,047 31,767 2,844 19,483 (22,902) (14) (13,465) 3 28,490 129,804 20,402 100,315 1 2 3 41
2. 20081231 20071231 353,576 257,720 270,655 209,844 152,496 73,961 132,207 64,102 712,409 530,674 605,658 440,670 384,419 252,763 324,907 222,589 174,069 111,579 150,311 93,660 86,930 73,844 71,225 64,515 1,916 28,049 636 9,110 1,865,815 1,328,590 1,555,599 1,104,490 3. 81.84% 2008 2008 2007 75,833 60,479 29,231 18,915 13,772 6,020 33,932 25,606 2,802 1,124 458 (2,334) 129,804 100,315 35,719 42
1. 2008 1. 19,340 2,703 26,936 2,338 2,318 4,656 2. 146,454 3,647 (1,085) 142,010 165,794 2,703 3,647 (1,085) 168,946 (10,028) (2,356) (10,013) 136 (19) 109 155,902 328 3,647 (1,085) 159,042 43
2 2008 2008 1. 3,322 1,818 6,185 569 1,851 2,420 2. 657 137 3. 33,682 (832) (1,080) 28,223 4. 2,811 (5) 1,634 40,472 1,818 (832) (1,085) 36,179 (9,797) 507 (6,919) 44
45
2008 2008 2008 46
1. (1) 1 10 1 56 78 10 (2) 47
48
2008 2008 49
2. 2008 (1)2008 63 (2)2008104 32 (1) (2)(3) (4) (5) 2008 (1) (2) 50
20081231 2008 1231 2007 1231 39.72% 27.20% 65.29% 64.93% 3. 51
(1) (2) 52
(3) (4) (VaR) 20081231 1 1 3 3 1 1 5 5 80,740 1,224,524 251,553 705,414 270,078 150,638 2,682,947 (63,498) (1,441,363) (250,585) (524,995) (225,842) (26,569) (2,532,852) 17,242 (216,839) 968 180,419 44,236 124,069 150,095 100 2009 1231 2008 1231 2008 1231 2007 1231 100 5,175 4,477 (1,971) (1,351) 100 (5,175) (4,477) 2,088 1,380 53
20081231 2,439,425 151,072 63,579 28,871 2,682,947 (2,314,434) (125,678) (68,096) (24,644) (2,532,852) 124,991 25,394 (4,517) 4,227 150,095 5% 2008 1231 2007 1231 2008 1231 2007 1231 5% (903) (1,066) (196) (299) 5% 903 1,066 196 299 4. 54
ISO27001 ISO27001 5. 55
1 65% 85% 100% 100% 100% 61% 2 (1) 200582 65%30%5% 7484 2007 2312 1.69%2.49% 56
2008 9 13.05% 2008 2008 2008 8.10 6.52 (2) 2007 10 12 85% 15% 282472.3 172247.7 2008 12.6 12.11 (3) 20071220 57
5481.38 767 2008 78.6520.33 (4) 200886,000 2008 IT 2008 6,6415,915 58
(5) 200719986 10 QDII IPO 14 3 1,1307.6% 200818.14 12.8 (6) 2000114 8,70612.34% 1,114725.19%2008 4.794.16 2008 59
CEO 2008 1,0001,000 11 2008818 91.15H 60
2009 2009 2009 2009 61
62
63
20081231 498,078A450,252H 47,826 200811 +, 20081231 % % 1 13,181,997,864 26.91-3,207,015,216-3,207,015,216 9,974,982,648 20.36 2 7,329,448,924 14.96-7,329,448,924-7,329,448,924 3 3,161,532,477 6.45-3,161,532,477-3,161,532,477 4 23,690,961 0.05-23,690,961-23,690,961 1 2,233,245,341 4.56 +13,721,687,578 +13,721,687,578 15,954,932,919 32.57 2 3 23,064,468,136 47.07 23,064,468,136 47.07 4 48,994,383,703 100.00 48,994,383,703 100.00 A132.43 4.78 2008516 20081117 2008514 20081112 www.sse.com.cnwww.hkexnews.hk 10 200812311 9,974,982,648 2010516 9,974,982,648 36 64
1010 1 10 1 2 26.48% 12,974,982,648 9,974,982,648 3 21.94% 10,748,914,462 4 18.60% 9,115,002,580 2.01% 985,447,500 0.92% 451,445,193 0.77% 378,328,046 0.71% 346,787,979 0.62% 304,320,800 0.55% 268,501,276 0.48% 233,151,118 1 2 2008325 H3,000,000,000 12,974,982,648 H3,000,000,000 26.48% 2008326 www.sse.com.cn www.hkexnews.hk 3 20081231 H2008 1231H5,555,555,55611.34% 4 20081231 H9,115,002,580HSBC Holdings plc 20081231H9,312,013,580 H69,470,681H9,381,484,261 19.15%XV23 65
2 10 10,748,914,462 21.94% H 9,115,002,580 18.60% H 3,000,000,000 6.12% H 985,447,500 2.01% A 451,445,193 0.92% A 378,328,046 0.77% A 346,787,979 0.71% A 304,320,800 0.62% A 268,501,276 0.55% A 233,151,118 0.48% A 5% 1 3 2008123112,974,982,648 26.48% 66
2 2004 1 20081231 H 9,381,484,26119.15% 3 11 20081231H5,555,555,556 11.34% 67
XV23 20081231336 A 1 A% % 9,974,982,648 38.47 20.36 H 1 H% % 5,555,555,556 24.09 11.34 3,000,000,000 13.01 6.12 9,312,013,580 40.37 19.01 2 69,470,681 0.30 0.14 9,381,484,261 40.67 19.15 HSBC Finance 3 9,381,484,261 40.67 19.15 (Netherlands) HSBC Bank plc 4 309,481 0.0013 0.0006 HSBC Holdings plc 5 9,381,793,742 40.67 19.15 1 2 62.14% H H 69,470,681H69,470,681H Hang Seng Bank (Bahamas) Limited 7,139,564HHang Seng Bank Trustee International Limited 61,532,838H Hang Seng Bank (Trustee) Limited 798,279H Hang Seng Bank (Bahamas) Limited Hang Seng Bank Trustee (Bahamas) Limited 7,139,564H 68
3 HSBC Asia Holdings BV HSBC Asia Holdings BV HSBC Asia Holdings (UK) HSBC Asia Holdings (UK) HSBC Holdings BV HSBC Holdings BV HSBC Finance (Netherlands) HSBC Asia Holdings BVHSBC Asia Holdings (UK)HSBC Holdings BV HSBC Finance (Netherlands) 9,381,484,261H 4 HSBC Financial Products (France) 309,481HHSBC Financial Products (France) 58.25% HSBC France 41.75% HSBC France HSBC Securities (France) SA HSBC France HSBC Bank plc HSBC Securities (France) SAHSBC France HSBC Bank plc HSBC Financial Products (France) 309,481H 5 HSBC Holdings plc HSBC Finance (Netherlands) HSBC Bank plc(2)(3) (4)HSBC Holdings plc 9,381,484,261 H HSBC Bank plc 309,481H 20081231336 XV23 69
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57199532008 7198991995 31979819898 19711219797 19862008 8 57 20054 1976 1979 20058 59 2001220049 19912001 1982 20066 72
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71 1962 20054 55 20071 6520075 200072007 4 1994620006 1968 20078 75
5620076 199812200762002620076 2004820076199451998 12 1996 20078 4320067 2003120067 2000920031 2002 20078 5320031 1993920031 1980 20078 76
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1 20089 200810 2 2008826 3 4 5 2008731 2008313 4 (1) 5 102
2/2 100% 2/2 100% 2/2 100% 2/2 100% 2/2 100% 100% 2008925 (2) 5 1/2 103
4 4/4 100% 1 3/3 100% 1 4/4 100% 2 2/2 100% 4/4 100% 100% 1 2008829 2 2008429 (3) 4 104
4 4/4 100% 1 2/2 100% 1 2/2 100% 2 2 4/4 100% 100% 1 2 2008731 2008826 (4) 4 105
5 5/5 100% 2/2 100% 3/3 100% 5/5 100% 5/5 100% 100% 2008826 (5) 5 2/2 100% 2/2 100% 1 2 1/1 100% 1 2/2 100% 100% 1 2 2008826 2008731 106
5 6 3.10(1)(2) 100%93% 6 2008 1231 121 7 20081231 107
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1 (1) 2005 2007 2008 2010 (2) 31 23 2009 IT (3) 109
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(3) 3 (1) (2) ISO27001 2008 7 4 111
20081231 2008 7,009 2008 35549 20092008 8 4 112
2007 20085132A 20072008 2008 900 113
1,22864.5 153.446.5% 325 4,0931.5685 1,148 114
17.7% 6 22200711 2008 99.93% 99.85% 9,293.34 8,199.44 200856896.3 2.1 50 2.5 161.6 115
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1 2 3 20081231 12.98 5% 117
(%) 600068 140,315,551.00 2.05 301,912,520.00 21,550,259.47 (245,588,684.00) 600837 282,242,325.00 0.25 168,858,537.08 (113,383,787.92) 600000 6,000,000.00 0.14 108,570,897.50 (324,073,886.50) 03377 138,863,720.57 0.43 62,489,355.39 (109,983,221.20) 00388 2,371,919.39 0.07 52,249,626.24 (105,335,394.75) 000979 ST 12,494,400.00 8.84 52,060,000.00 (12,384,800.00) 600642 9,333,333.33 0.17 29,950,000.00 3,106,300.41 (62,502,500.00) 000686 3,740,000.00 0.38 26,663,088.54 (87,464,690.61) 08253 28,289,828.52 8.08 24,961,613.40 (3,328,215.12) 03808 53,995,928.28 0.22 23,017,068.00 (30,425,466.00) 136,367,279.63 190,445,672.27 11,291,350.48 (323,521,906.46) 814,014,285.72 1,041,178,378.42 35,947,910.36 (1,417,992,552.56) 1 2 (%) 380,000,000.00 57,560,225 10.00 380,000,000.00 11,573,082.48 146,250,000.00 112,500,000 3.90 146,250,000.00 1,800,000.00 526,250,000.00 170,060,225 526,250,000.00 13,373,082.48 118
94,350,000 94,350,000 28,289,828.52 340,000 340,000 6,678,368.82 2,000 41,000 43,000 4,726,137.44 930,000 930,000 4,710,776.41 500,000 500,000 3,980,365.38 125,000 125,000 3,663,357.45 60,000 167,760 227,760 3,550,660.53 300,000 300,000 3,245,251.30 200,000 200,000 2,803,644.41 83,010 83,010 2,490,300.00 850,000 850,000 2,376,225.66 150,000 150,000 1,777,338.50 350,000 200,000 550,000 690,335.84 200,000 200,000 578,377.97 17,000 17,000 66,124.89 1,000,000 (1,000,000) 228,005,570.29 35,813,000 (1,660,000) 34,153,000 21,550,259.47 2,199,068 (2,199,068) 13,596,478.60 ST 10,352,000 (2,902,000) 7,450,000 10,329,961.52 3,000,000 (3,000,000) 7,421,898.35 4,178,789 (4,178,789) 7,336,777.57 646,179 (646,179) 7,286,870.30 ST 2,938,866 (2,938,866) 5,365,964.51 311,657 (311,657) 5,091,841.25 S*ST 610,000 (610,000) (3,440,975.63) 236,925 (236,925) 2,812,162.89 5,250,000 (250,000) 5,000,000 1,456,300.41 119
120
123283 20081231 121
20081231 2009318 122
1231 2008 2007 117,106 90,319 (51,244) (36,376) 4 65,862 53,943 5 10,121 8,245 6 (1,284) (1,150) 8,837 7,095 7 83 77 8 1,557 250 21 226 657 9 711 767 10 (10,690) (6,380) 11 (30,867) (25,295) 35,719 31,114 14 (7,229) (10,712) 28,490 20,402 28,393 20,274 97 128 28,490 20,402 15 0.58 0.42 4,899 4,899 7,349 9,798 7,349 129283 123
1231 2008 2007 16 362,180 261,433 17 331,511 156,110 18 26,936 19,340 20 1,298,776 1,082,788 21 90,903 66,693 21 142,010 146,454 21 367,878 326,953 22 35,279 32,199 28 2,693 2,524 23 24,781 15,950 2,682,947 2,110,444 24 569,453 332,556 25 10,013 10,028 26 1,865,815 1,555,599 27 43,199 35,564 4,165 5,872 28 207 504 30 40,000 37,000 2,532,852 1,977,123 31 48,994 48,994 31 43,100 43,100 33,443 20,422 24,125 20,387 149,662 132,903 433 418 150,095 133,321 2,682,947 2,110,444 4,899 7,349 2009318 129283 124
1231 2008 2007 16 362,159 259,007 17 330,861 154,976 18 26,735 19,323 20 1,298,494 1,082,060 21 90,467 66,693 21 141,601 145,045 21 367,799 326,953 38 3,586 5,184 22 34,251 30,937 28 2,736 2,524 23 16,079 13,168 2,674,768 2,105,870 24 564,401 332,556 25 10,013 10,028 26 1,865,808 1,555,599 27 40,748 32,230 4,130 5,811 28 146 298 30 40,000 37,000 2,525,246 1,973,522 31 48,994 48,994 31 43,992 43,992 33,202 19,571 23,334 19,791 149,522 132,348 2,674,768 2,105,870 4,899 7,349 129283 125
31 31 32 32 32 31, 32 200711 45,804 21,540 899 4,428 867 4,383 (213) 12,728 59 90,495 1,049 51 1,100 (483) (483) 1,236 1,236 (20) 20 (403) (403) 118 506 624 684 1,722 (403) 20 51 2,074 20,274 128 20,402 180 180 (4,580) (4,580) 1,271 576 6,208 (8,055) 3,190 21,560 24,750 20071231 48,994 43,100 2,170 576 10,636 1,551 6,105 (616) 20,387 418 133,321 200811 48,994 43,100 2,170 576 10,636 1,551 6,105 (616) 20,387 418 133,321 698 (58) 640 487 10 497 2 2 (35) 35 (596) (596) 5 18 23 1,190 (15) (596) 35 (48) 566 28,393 97 28,490 38 23 23 (12,248) (57) (12,305) 1,993 8,511 1,938 (12,442) 20081231 48,994 43,100 4,163 9,087 12,574 2,741 6,090 (1,212) 24,125 433 150,095 129283 126
1231 2008 2007 35,719 31,114 10,190 5,961 (25) (113) (67) (592) 1,090 692 3,006 2,665 (3) (70) 15 15 6 10 228 223 (226) (657) (47) (99) 19 (13) 1,724 1,492 10 (52,035) (96,069) (94,420) (38,456) (7,596) (6,450) (226,178) (180,948) (8,691) (523) 236,897 96,449 (15) 1,304 310,216 211,422 8,537 9,717 199 508 (9,951) (6,272) 208,602 31,310 127
1231 2008 2007 11 (358,688) (536,871) 298,726 379,441 (75) (191) (185) (3) (6,983) (7,227) 1,026 636 (66,179) (164,204) 24,750 3,000 25,000 (10) (1,666) (577) (13,407) (5,311) 23 (57) (12,117) 43,862 (638) (627) 129,668 (89,659) 96,064 185,723 37 225,732 96,064 114,053 89,113 (40,011) (31,853) 129283 128
1 (1986)81(1987)40 198741 105 2 A 129
2 A a) b) c) 28 130
2 A d) 39 39 3.4 e) 39 2008 39 11 2 131
2 A 14 19 14 19 12 20081 1 2008 1 200911 19 200911 23 200911 27 200971 28 200911 321 200911 36 200911 38 200911 132
2 A 2 200911 3 200971 5 200971 8 200911 13 20087 1 16 2008 101 1 27 200911 15 20091 1 16 200911 133
2 A 20 2009 11 29 2009 11 31 200911 40 200911 41 200911 B 134
2 B C 39 135
2 D a) 136
2 D b) (i) (ii) (iii) c) d) 137
2 D E a) 138
2 E a) 139
2 E a) 312 140
2 E b) F a) 141
2 F a) b) G 142
2 H I J K 143
2 K 25 50 3 10 3 8 L 144
2 M 3070 N 145
2 O P Q a) 146
2 Q b) R 90 S T 147
2 T U a) b) V 148
2 W a) b) X a) 149
2 X b) c) 150
2 Y Z 151
2 AA AB AC 152
3 153
3 3.1 3.1.1 (a) (i)(ii) (iii) 39 154
3 3.1 3.1.1 (a) (i) 10 10 10 1 2 3 4 5 155
3 3.1 3.1.1 (a) 10 6 7 8 9 10 156
3 3.1 3.1.1 (a) 1 5 6 7 8 10 (ii) 157
3 3.1 3.1.1 (b) (c) 3.1.2 158
3 3.1 3.1.2 (a) 90% 90% 90% 60% 60% 70% 70% 50% 159
3 3.1 3.1.2 (a) (b) 160
3 3.1 3.1.2 (c) 3.1.3 3.1.1 2(E) 39 161
3 3.1 3.1.3 3.1.4 1231 2008 2007 331,511 156,110 26,936 19,340 1,097,191 912,841 201,585 169,947 90,903 66,693 142,010 146,454 367,878 326,953 21,935 13,102 2,279,949 1,811,440 374,381 364,677 102,501 71,276 476,882 435,953 162
3 3.1 3.1.4 1231 2008 2007 330,861 154,976 26,735 19,323 1,097,088 912,113 201,406 169,947 90,467 66,693 141,601 145,045 367,799 326,953 13,723 11,184 2,269,680 1,806,234 374,381 364,677 102,501 71,276 476,882 435,953 20081231 20071231 57%200760% 163
3 3.1 3.1.4 91%1 5200789% 97%200797% 13,285.91.92% 3.1.5 20081231 20071231 1,293,318 331,498 1,072,912 156,096 9,752 13 8,884 14 25,520 213 22,694 314 1,328,590 331,724 1,104,490 156,424 (13,431) (7,690) (16,383) (213) (14,012) (314) 1,298,776 331,511 1,082,788 156,110 164
3 3.1 3.1.5 20081231 20071231 1,293,036 330,848 1,072,184 154,962 9,752 13 8,884 14 25,520 213 22,694 314 1,328,308 331,074 1,103,762 155,290 (13,431) (7,690) (16,383) (213) (14,012) (314) 1,298,494 330,861 1,082,060 154,976 298.142007217.02163.83 2007140.12134.31 200776.90 20 2008 20% (a) 10 165
3 3.1 3.1.5 (a) 20081231 1 5 6 7 8 10 929,692 67,647 978 998,317 96,712 1,577 35 98,324 1,026,404 69,224 1,013 1,096,641 119,753 23,947 52,977 196,677 20081231 1 5 6 7 8 10 929,589 67,647 978 998,214 96,712 1,577 35 98,324 1,026,301 69,224 1,013 1,096,538 119,753 23,947 52,798 196,498 166
3 3.1 3.1.5 (a) 20071231 1 5 6 7 8 10 773,164 77,336 912 851,412 52,454 3,118 55,572 825,618 80,454 912 906,984 109,048 7,609 49,271 165,928 20071231 1 5 6 7 8 10 772,436 77,336 912 850,684 52,454 3,118 55,572 824,890 80,454 912 906,256 109,048 7,609 49,271 165,928 167
3 3.1 3.1.5 (b) 20081231 30 3060 6090 90 663 861 170 2,595 4,289 3,127 1,607 820 374 488 3,289 6,261 664 216 880 625 238 115 316 1,294 2,974 3,559 2,135 659 3,399 9,752 12,362 13 13 16 20071231 30 3060 6090 90 802 825 143 2,291 4,061 2,638 1,785 779 329 250 3,143 6,253 75 75 991 357 152 105 1,605 3,605 3,653 1,961 624 2,646 8,884 12,496 14 14 16 168
3 3.1 3.1.5 (b) (c) 255.202007226.94 2008 1231 2007 1231 22,602 20,971 2,918 1,723 25,520 22,694 6,791 6,481 200812 312.1320073.14 169
3 3.1 3.1.5 (d) 2008123153.152007 60.47 2008 1231 2007 1231 5,315 6,047 170
3 3.1 3.1.5 (e) 20081231 20071231 % % 173,332 13 143,486 13 161,873 12 131,598 12 146,712 11 111,489 10 116,286 9 107,862 10 113,840 9 92,536 8 64,410 5 56,141 5 46,670 4 40,521 4 45,103 3 39,000 4 44,069 3 35,975 3 342,451 26 281,367 25 1,254,746 95 1,039,975 94 73,844 5 64,515 6 1,328,590 100 1,104,490 100 171
3 3.1 3.1.5 (e) 20081231 20071231 % % 173,332 13 143,486 13 161,873 12 131,598 12 146,712 11 111,489 10 116,286 9 107,862 10 113,840 9 92,536 8 64,410 5 56,141 5 46,670 4 40,521 4 45,003 3 39,000 4 44,066 3 35,975 3 342,451 26 281,367 25 1,254,643 95 1,039,975 94 73,665 5 63,787 6 1,328,308 100 1,103,762 100 3% 172
3 3.1 3.1.5 (f) 20081231 20071231 % % 60,331 5 51,599 5 23,680 2 22,465 2 33,766 2 27,845 3 67,141 5 52,823 5 22,102 2 24,124 2 114,481 9 99,850 9 148,935 10 121,578 11 105,541 8 76,751 7 108,559 8 95,153 8 49,990 4 37,267 3 88,568 6 77,592 7 92,207 7 79,411 7 52,261 4 46,206 4 20,279 2 14,451 1 20,560 2 22,065 2 13,977 1 10,366 1 8,200 1 12,149 1 10,164 1 13,808 1 13,057 1 15,033 2 1,053,799 80 900,536 81 133,415 10 112,941 11 23,873 2 22,709 2 16,883 1 11,333 1 4,271 4,534 20,453 2 7,929 1 6,163 13,028 1 205,058 15 172,474 16 69,733 5 31,480 3 1,328,590 100 1,104,490 100 173
3 3.1 3.1.5 (f) 20081231 20071231 % % 60,331 5 51,599 5 23,680 2 22,465 2 33,766 2 27,845 3 67,141 5 52,823 5 22,102 2 24,124 2 114,481 9 99,850 9 148,935 10 121,578 11 105,541 8 76,751 7 108,559 8 95,153 8 49,990 4 37,267 3 88,568 6 77,592 7 92,207 7 79,411 7 52,261 4 46,206 4 20,279 2 14,451 1 20,560 2 22,065 2 13,977 1 10,366 1 8,200 1 12,149 1 10,164 1 13,808 1 12,954 1 14,305 2 1,053,696 80 899,808 81 133,415 10 112,941 11 23,873 2 22,709 2 16,883 1 11,333 1 4,271 4,534 20,453 2 7,929 1 5,984 13,028 1 204,879 15 172,474 16 69,733 5 31,480 3 1,328,308 100 1,103,762 100 174
3 3.1 3.1.5 (g) 2008 1231 2007 1231 338,387 287,406 7,459 10,110 56,782 58,099 337,754 283,080 117,741 89,930 124,496 110,805 13,498 12,329 996,117 851,759 190,904 157,527 1,187,021 1,009,286 57,682 48,777 14,154 14,947 71,836 63,724 69,733 31,480 1,328,590 1,104,490 175
3 3.1 3.1.5 (g) 2008 1231 2007 1231 338,387 287,406 7,459 10,110 56,782 58,099 337,651 283,080 117,741 89,930 124,496 110,805 13,498 12,329 996,014 851,759 190,904 157,527 1,186,918 1,009,286 57,682 48,049 13,975 14,947 71,657 62,996 69,733 31,480 1,328,308 1,103,762 176
3 3.1 3.1.6 2008123120071231 2008 (a) AAA 25 34,734 39,783 10,847 85,389 AA AA+ 400 112 5,707 55 6,274 A A+ 384 325 2 711 BBB BBB+ 20 20 45 85 (b) 90,341 78,537 320,409 7,568 496,855 90,766 113,787 366,244 18,517 589,314 AAA 137 6,378 111 643 7,269 AA AA+ 7,409 147 320 7,876 A A+ 13,145 1,273 2,008 16,426 BBB BBB+ 408 7 331 746 (b) 883 96 461 1,440 137 28,223 1,634 3,763 33,757 90,903 142,010 367,878 22,280 623,071 177
3 3.1 3.1.6 2008 (a) AAA 25 34,734 39,783 10,847 85,389 AA AA+ 400 112 5,707 55 6,274 A A+ 384 325 2 711 BBB BBB+ 20 20 45 85 (b) 89,905 78,349 320,409 7,561 496,224 90,330 113,599 366,244 18,510 588,683 AAA 137 6,378 111 643 7,269 AA AA+ 7,409 147 320 7,876 A A+ 13,145 1,263 2,008 16,416 BBB BBB+ 408 331 739 (b) 662 34 267 963 137 28,002 1,555 3,569 33,263 90,467 141,601 367,799 22,079 621,946 178
3 3.1 3.1.6 2007 (a) AAA 45 20,232 24,332 3,128 47,737 AA AA+ 400 47 3,959 4,406 A A+ 180 144 324 BBB BBB+ 20 20 (b) 65,590 92,313 295,687 11,120 464,710 66,035 112,772 324,142 14,248 517,197 AAA 292 2,021 1 2,314 AA AA+ 365 16,888 72 240 17,565 A A+ 9,075 420 1,306 10,801 BBB BBB+ 325 384 709 (b) 1 5,373 2,319 823 8,516 658 33,682 2,811 2,754 39,905 66,693 146,454 326,953 17,002 557,102 179
3 3.1 3.1.6 2007 (a) AAA 45 20,232 24,332 3,128 47,737 AA AA+ 400 47 3,959 4,406 A A+ 180 144 324 BBB BBB+ 20 20 (b) 65,590 91,944 295,687 11,103 464,324 66,035 112,403 324,142 14,231 516,811 AAA 292 2,021 1 2,314 AA AA+ 365 16,888 72 240 17,565 A A+ 9,075 420 1,306 10,801 BBB BBB+ 325 384 709 (b) 1 4,333 2,319 823 7,476 658 32,642 2,811 2,754 38,865 66,693 145,045 326,953 16,985 555,676 (a) (b) 46.562007 23.38 180
3 3.1 3.1.6 0.9920071.06 2008123123.17 20078.46 15.0120078.16 3.1.7 2008 1231 2007 1231 6 10 317 374 58 109 381 493 181
3 3.1 3.1.8 20081231 293,975 28,914 8,622 331,511 22,357 3,380 1,199 26,936 1,225,993 56,460 16,323 1,298,776 90,903 90,903 123,972 13,204 4,834 142,010 366,541 79 1,258 367,878 20,263 1,399 273 21,935 20081231 2,144,004 103,436 32,509 2,279,949 20081231 293,820 28,419 8,622 330,861 22,350 3,186 1,199 26,735 1,225,890 56,281 16,323 1,298,494 90,467 90,467 123,784 12,983 4,834 141,601 366,541 1,258 367,799 12,218 1,232 273 13,723 20081231 2,135,070 102,101 32,509 2,269,680 182
3 3.1 3.1.8 20071231 130,745 22,971 2,394 156,110 16,347 2,415 578 19,340 1,019,208 51,922 11,658 1,082,788 66,693 66,693 123,015 18,427 5,012 146,454 324,673 2,280 326,953 8,488 2,424 2,190 13,102 20071231 1,689,169 98,159 24,112 1,811,440 20071231 129,611 22,971 2,394 154,976 16,330 2,415 578 19,323 1,019,208 51,194 11,658 1,082,060 66,693 66,693 123,321 16,712 5,012 145,045 324,673 2,280 326,953 7,701 1,293 2,190 11,184 20071231 1,687,537 94,585 24,112 1,806,234 183
3 3.2 3.2.1 184
3 3.2 3.2.2 100 100 1231 2009 2008 100 5,175 4,477 100 (5,175) (4,477) 100 1231 2008 2007 100 (1,971) (1,351) 100 2,088 1,380 185
3 3.2 3.2.2 5% 5% 2008 2007 5% (903) (1,066) 5% 903 1,066 5% 2008 1231 2007 1231 5% (196) (299) 5% 196 299 3.2.3 186
3 3.2 3.2.3 10% 1 187
3 3.2 3.2.3 20081231 350,671 11,509 362,180 257,234 38,937 34,827 500 13 331,511 1,194 2,777 9,644 6,670 1,985 4,666 26,936 592,895 154,941 506,161 29,236 15,543 1,298,776 625 9,659 34,542 45,116 961 90,903 11,104 30,575 44,575 39,576 14,336 1,844 142,010 10,756 14,664 75,665 148,980 117,813 367,878 45 62,708 62,753 1,224,524 251,553 705,414 270,078 150,638 80,740 2,682,947 (297,945) (43,131) (100,875) (117,436) (10,066) (569,453) (174) (3,066) (1,098) (5,675) (10,013) (1,143,065) (206,636) (408,649) (95,308) (503) (11,654) (1,865,815) (179) (818) (12,405) (12,000) (16,000) (46,169) (87,571) (1,441,363) (250,585) (524,995) (225,842) (26,569) (63,498) (2,532,852) (216,839) 968 180,419 44,236 124,069 17,242 150,095 188
3 3.2 3.2.3 20081231 350,651 11,508 362,159 256,890 38,937 34,521 500 13 330,861 1,003 2,777 9,644 6,670 1,985 4,656 26,735 592,895 154,941 505,879 29,236 15,543 1,298,494 625 9,659 34,542 44,680 961 90,467 11,104 30,575 44,575 39,571 14,336 1,440 141,601 10,756 14,664 75,665 148,901 117,813 367,799 3,586 3,586 45 53,021 53,066 1,223,969 251,553 704,826 269,558 150,638 74,224 2,674,768 (297,883) (42,481) (96,875) (117,096) (10,066) (564,401) (174) (3,066) (1,098) (5,675) (10,013) (1,143,058) (206,636) (408,649) (95,308) (503) (11,654) (1,865,808) (498) (818) (12,405) (12,000) (16,000) (43,303) (85,024) (1,441,613) (249,935) (520,995) (225,502) (26,569) (60,632) (2,525,246) (217,644) 1,618 183,831 44,056 124,069 13,592 149,522 189
3 3.2 3.2.3 20071231 246,088 15,345 261,433 128,579 16,047 10,469 26 989 156,110 2,426 6,649 4,794 2,622 511 2,338 19,340 382,070 140,887 504,763 26,999 28,069 1,082,788 7 1,433 1,848 62,442 963 66,693 19,904 32,627 48,677 26,604 14,594 4,048 146,454 8,553 16,315 90,649 121,814 89,622 326,953 57 50,616 50,673 787,684 213,958 661,200 240,507 133,759 73,336 2,110,444 (229,304) (21,597) (16,547) (50,650) (14,341) (117) (332,556) (876) (3,520) (2,312) (1) (3,319) (10,028) (1,036,111) (139,334) (288,262) (75,787) (6) (16,099) (1,555,599) (200) (852) (12,355) (9,000) (16,000) (40,533) (78,940) (1,265,615) (162,659) (320,684) (137,749) (30,348) (60,068) (1,977,123) (477,931) 51,299 340,516 102,758 103,411 13,268 133,321 190
3 3.2 3.2.3 20071231 246,088 12,919 259,007 127,445 16,047 10,469 26 989 154,976 2,409 6,649 4,794 2,622 511 2,338 19,323 382,070 140,887 504,763 26,999 27,341 1,082,060 7 1,433 1,848 62,442 963 66,693 19,904 32,627 48,677 26,604 14,594 2,639 145,045 8,553 16,315 90,649 121,814 89,622 326,953 5,184 5,184 46,629 46,629 786,476 213,958 661,200 240,507 133,031 70,698 2,105,870 (229,304) (21,597) (16,547) (50,650) (14,341) (117) (332,556) (876) (3,520) (2,312) (1) (3,319) (10,028) (1,036,111) (139,334) (288,262) (75,787) (6) (16,099) (1,555,599) (200) (852) (12,355) (9,000) (16,000) (36,932) (75,339) (1,265,615) (162,659) (320,684) (137,749) (30,348) (56,467) (1,973,522) (479,139) 51,299 340,516 102,758 102,683 14,231 132,348 191
3 3.2 3.2.4 20081231 357,043 3,906 715 516 362,180 246,293 58,354 11,342 15,522 331,511 20,751 4,493 417 1,275 26,936 1,187,772 61,781 44,353 4,870 1,298,776 90,766 137 90,903 113,787 19,013 3,166 6,044 142,010 366,244 1,256 100 278 367,878 56,769 2,132 3,486 366 62,753 2,439,425 151,072 63,579 28,871 2,682,947 (495,908) (62,888) (4,882) (5,775) (569,453) (3,094) (2,786) (3,357) (776) (10,013) (1,733,666) (57,155) (58,063) (16,931) (1,865,815) (81,766) (2,849) (1,794) (1,162) (87,571) (2,314,434) (125,678) (68,096) (24,644) (2,532,852) 124,991 25,394 (4,517) 4,227 150,095 352,750 82,167 17,149 24,816 476,882 192
3 3.2 3.2.4 20081231 357,022 3,906 715 516 362,159 246,135 58,354 10,850 15,522 330,861 20,744 4,493 223 1,275 26,735 1,187,669 61,781 44,174 4,870 1,298,494 90,330 137 90,467 113,599 19,013 2,945 6,044 141,601 366,244 1,183 94 278 367,799 2,261 (25) 1,350 3,586 48,555 2,132 2,013 366 53,066 2,432,559 150,974 62,364 28,871 2,674,768 (490,856) (62,888) (4,882) (5,775) (564,401) (3,094) (2,786) (3,357) (776) (10,013) (1,733,659) (57,155) (58,063) (16,931) (1,865,808) (79,538) (2,849) (1,475) (1,162) (85,024) (2,307,147) (125,678) (67,777) (24,644) (2,525,246) 125,412 25,296 (5,413) 4,227 149,522 352,750 82,167 17,149 24,816 476,882 193
3 3.2 3.2.4 20071231 257,268 2,567 1,156 442 261,433 107,813 30,542 9,557 8,198 156,110 16,018 1,745 577 1,000 19,340 977,599 58,006 41,868 5,315 1,082,788 66,036 657 66,693 112,772 21,866 4,813 7,003 146,454 324,142 1,391 99 1,321 326,953 36,966 912 9,009 3,786 50,673 1,898,614 117,686 67,079 27,065 2,110,444 (294,330) (23,250) (6,232) (8,744) (332,556) (231) (3,136) (6,293) (368) (10,028) (1,434,575) (55,515) (50,285) (15,224) (1,555,599) (67,034) (7,639) (3,890) (377) (78,940) (1,796,170) (89,540) (66,700) (24,713) (1,977,123) 102,444 28,146 379 2,352 133,321 295,899 91,180 25,376 23,498 435,953 194
3 3.2 3.2.4 20071231 255,326 2,567 672 442 259,007 106,679 30,542 9,557 8,198 154,976 16,001 1,745 577 1,000 19,323 977,599 58,006 41,140 5,315 1,082,060 66,036 657 66,693 112,403 21,866 3,773 7,003 145,045 324,142 1,391 99 1,321 326,953 2,970 2,214 5,184 36,377 912 5,553 3,787 46,629 1,897,533 117,686 63,585 27,066 2,105,870 (294,330) (23,250) (6,232) (8,744) (332,556) (231) (3,136) (6,293) (368) (10,028) (1,434,575) (55,515) (50,285) (15,224) (1,555,599) (65,574) (7,639) (1,749) (377) (75,339) (1,794,710) (89,540) (64,559) (24,713) (1,973,522) 102,823 28,146 (974) 2,353 132,348 295,899 91,180 25,376 23,498 435,953 195
3 3.3 3.3.1 75%2008123115.5% 2007123114.5%5%200712 315% 3.3.2 196
3 3.3 3.3.2 3.3.3 3.3.4 3.3.3 20081231 (298,428) (43,825) (106,953) (137,634) (11,028) (597,868) (188) (22) (3,122) (1,117) (4,449) (1,155,774) (211,633) (421,108) (117,077) (613) (1,906,205) (49) (997) (12,848) (15,748) (18,643) (48,285) (11,555) (109) (254) (493) (1,802) (14,213) (1,465,994) (256,586) (544,285) (272,069) (32,086) (2,571,020) 197
3 3.3 3.3.3 20081231 (298,366) (43,175) (102,953) (137,294) (11,028) (592,816) (188) (22) (3,122) (1,117) (4,449) (1,155,767) (211,633) (421,108) (117,077) (613) (1,906,198) (49) (997) (12,848) (15,748) (18,643) (48,285) (11,323) (109) (254) (493) (1,217) (13,396) (1,465,693) (255,936) (540,285) (271,729) (31,501) (2,565,144) 20071231 (223,399) (26,222) (19,297) (62,919) (18,880) (350,717) (36) (4,146) (442) (2,366) (1) (6,991) (1,050,526) (141,058) (294,994) (98,263) (155) (1,584,996) (997) (670) (25,656) (19,304) (46,627) (16,270) (25) (161) (562) (15) (17,033) (1,290,231) (172,448) (315,564) (189,766) (38,355) (2,006,364) 198
3 3.3 3.3.3 20071231 (223,399) (26,222) (19,297) (62,919) (18,880) (350,717) (36) (4,146) (442) (2,366) (1) (6,991) (1,050,526) (141,058) (294,994) (98,263) (155) (1,584,996) (997) (670) (25,656) (19,304) (46,627) (13,077) (25) (161) (562) (15) (13,840) (1,287,038) (172,448) (315,564) (189,766) (38,355) (2,003,171) 3.3.4 (a) 199
3 3.3 3.3.4 (a) 20081231 (55) (136) (227) (418) (225) (139) (578) (1,197) (566) (2,705) (280) (275) (805) (1,197) (566) (3,123) 20071231 (7) (42) (121) (154) (76) (400) (7) (42) (121) (154) (76) (400) 200
3 3.3 3.3.4 (b) 20081231 (38,930) (24,184) (65,392) (13,910) (142,416) 38,594 23,966 65,194 13,707 141,461 (1,140) (49) (420) (1,175) (656) (3,440) 1,213 46 402 1,130 646 3,437 (40,070) (24,233) (65,812) (15,085) (656) (145,856) 39,807 24,012 65,596 14,837 646 144,898 201
3 3.3 3.3.4 (b) 20071231 (40,926) (18,099) (55,331) (16,669) (131,025) 40,939 18,056 55,197 16,639 130,831 (7) (4,902) (3,996) (1,214) (10,119) 5 4,932 3,920 1,198 10,055 (40,926) (18,106) (60,233) (20,665) (1,214) (141,144) 40,939 18,061 60,129 20,559 1,198 140,886 202
3 3.3 3.3.5 (a) 34 (b) 34 (c) 34 (d) 34 20081231 1 15 5 95,564 6,187 750 102,501 216,036 3,427 219,463 1,014 2,454 972 4,440 30 327 357 312,644 12,395 1,722 326,761 20071231 1 15 5 59,369 10,794 1,113 71,276 202,871 4,035 206,906 769 1,756 636 3,161 203 203 263,212 16,585 1,749 281,546 203
3 3.4 5.59 200716.22 20081231 20071231 331,511 331,755 156,110 156,110 1,298,776 1,299,429 1,082,788 1,082,184 90,903 93,219 66,693 64,556 367,878 387,302 326,953 319,145 (569,453) (572,485) (332,556) (332,533) (1,865,815) (1,869,061) (1,555,599) (1,553,233) (40,000) (40,454) (37,000) (34,573) 20081231 20071231 330,861 331,105 154,976 154,976 1,298,494 1,299,147 1,082,060 1,081,456 90,467 92,784 66,693 64,556 367,799 387,222 326,953 319,145 (1,196) (1,196) 539 539 (564,401) (569,576) (332,556) (332,533) (1,865,808) (1,869,054) (1,555,599) (1,553,233) (40,000) (40,454) (37,000) (34,573) 204
3 3.4 205
3 3.4 3.5 206
3 3.5 8% 4% 2009262008 207
3 3.5 2008 1231 2007 1231 48,994 48,994 37,888 38,614 26,863 14,360 17,973 17,780 433 418 132,151 120,166 3,718 4,097 19,549 15,027 27,400 29,800 4,049 54,716 48,924 54,716 48,924 186,867 169,090 (200) (200) (706) (426) (514) (606) (1,420) (1,232) 185,447 167,858 1,194,962 987,297 156,476 151,990 1,351,438 1,139,287 2,000 1,865 13.47% 14.44% 9.54% 10.27% 208
3 3.6 2008 1231 2007 1231 466,213 567,934 40,639 3,771 125,719 112,333 4 1231 2008 2007 4,985 3,438 6,907 5,971 82,784 65,417 22,430 15,493 117,106 90,319 (13,541) (10,182) (37,703) (26,194) (51,244) (36,376) 65,862 53,943 1231 2008 2007 3,634 3,458 18,796 12,035 555 654 209
5 1231 2008 2007 2,045 1,744 2,938 2,017 912 399 667 530 853 2,191 590 614 1,081 244 1,035 506 10,121 8,245 1231 2008 2007 84 30 667 530 210
6 1231 2008 2007 283 526 81 107 715 272 205 245 1,284 1,150 1231 2008 2007 81 107 7 1231 2008 2007 2 1 81 76 83 77 211
8 1231 2008 2007 1,205 65 352 185 1,557 250 9 1231 2008 2007 47 99 60 423 13 288 17 316 215 711 767 212
10 1231 2008 2007 17(b) (25) (113) 20(b) 5,855 2,016 4,890 4,599 10,745 6,615 (30) (122) 10,690 6,380 11 1231 2008 2007 12 11,747 9,458 6,206 5,277 22 3,006 2,665 4,923 3,664 1,245 994 (a)21 1,090 692 22 (3) (70) (67) (592) 302 273 370 (331) (120) 228 223 70 68 6 10 23(c) 76 19 1,980 2,753 30,867 25,295 213
11 (a) 1231 2008 2007 21 (28) 21 5 21 1,085 720 1,090 692 12 1231 2008 2007 8,468 6,290 29 908 1,186 534 583 1,837 1,399 11,747 9,458 214
13 (a) 1231 2008 2007 310,000 87,500 40,954 780 439,234 1,240,000 350,000 157,769 3,007 1,750,776 1,878,306 992,000 310,000 127,565 3,007 1,432,572 1,591,768 992,000 310,000 127,559 3,007 1,432,566 1,577,218 930,000 262,500 116,815 2,226 1,311,541 1,951,832 869,200 247,000 112,517 3,007 1,231,724 1,376,801 868,000 247,000 112,463 3,007 1,230,470 1,368,329 15,000 15,000 15,000 10,000 10,000 10,000 10,000 5,000 5,000 15,000 30,000 5,000 5,000 10,000 15,000 10,000 10,000 10,000 20,000 125,000 125,000 216,667 250,000 250,000 216,667 250,000 250,000 216,667 125,000 125,000 216,667 125,000 125,000 83,333 250,000 250,000 216,667 215
13 (a) 1231 2008 2007 1,240,000 350,000 157,769 3,007 1,750,776 568,959 100,000 100,000 66,667 100,000 100,000 66,667 20,000 20,000 5,000 5,000 5,000 5,000 20,000 20,000 5,000 10,000 10,000 5,000 5,000 5,000 637,515 531,000 96,000 3,503 1,268,018 1,218,524 641,320 532,000 67,727 3,007 1,244,054 960,409 298,250 164,583 20,402 1,300 484,535 10,000 10,000 131,667 299,332 36,374 1,707 337,413 966,937 1,457,973 10,000 10,000 116,667 125,000 10,642,617 3,391,583 1,173,914 30,565 15,363,679 16,620,392 200692007 2007828 216
13 (b) 1231 2008 2007 6 4 3 3 1 2 10 9 2008 2007 1,000,000 1,500,000 1 1,500,000 2,000,000 2 5 2,000,000 2,500,000 2 5 5 2008 1,500,000 2007 1,250,000 217
13 (c) 20051118 2005623 H2.5755.8 102005623 2006113 2006113H 20061136.13272.4 102006113 2008 2008 1231 2007 1231 11 11 11 11 20081231 1,436200712313,600 218
14 1231 2008 2007 8,285 9,346 11 282 (52) 15 8,244 9,643 28 (1,015) 1,069 7,229 10,712 200811 25% 2008 16.5%200717.5% 2008 25%200733% 1231 2008 2007 35,719 31,114 25%200733% 8,930 10,268 10 24 (1) (1,974) (1,332) (2) 264 360 (1) 1,392 7,229 10,712 (1) (2) 219
15 1231 2008 2007 28,393 20,274 48,994 47,931 0.58 0.42 16 2008 1231 2007 1231 11,509 14,753 98,484 46,528 37(b) 109,993 61,281 252,187 200,152 362,180 261,433 2008 1231 2007 1231 11,508 12,327 98,465 46,528 109,973 58,855 252,186 200,152 362,159 259,007 220
16 2008 1231 2007 1231 15.5% 14.5% 5% 5% 17 (a) 2008 1231 2007 1231 37(b) 115,739 34,783 96,816 50,849 29,417 22,112 80,193 42,622 9,559 6,058 89,752 48,680 (213) (314) 89,539 48,366 331,511 156,110 221
17 (a) 2008 1231 2007 1231 115,202 33,649 96,703 50,849 29,417 22,112 80,193 42,622 9,559 6,058 89,752 48,680 (213) (314) 89,539 48,366 330,861 154,976 (b) 2008 1231 2007 1231 314 626 10 52 10 (25) (165) (76) (199) 213 314 222
17 (c) 2008 1231 2007 1231 213 314 0.06% 0.20% 18 2008 1231 2007 1231 19 4,656 2,338 442 506 3,882 6,000 788 620 805 439 11,130 2,849 282 52 4,951 6,536 26,936 19,340 1,8722007 4.86 223
18 2008 1231 2007 1231 19 4,656 2,338 442 506 3,882 6,000 788 620 604 439 11,130 2,832 282 52 4,951 6,536 26,735 19,323 19 224
19 20081231 167,252 1,995 (2,780) 119,649 2,661 (2,895) 4,656 (5,675) 20071231 154,261 1,653 (2,620) 87,565 685 (699) 14 2,338 (3,319) 225
19 2008 1231 2007 1231 938 846 625 287 2 1,563 1,135 2008 1231 2007 1231 1,995 1,653 2,661 685 4,656 2,338 226
19 20081231 158,670 97,090 16,039 15,102 286,901 20071231 110,038 98,854 22,673 10,275 241,840 20 (a) 2008 1231 2007 1231 1,328,590 1,104,490 (13,431) (7,690) (16,383) (14,012) 1,298,776 1,082,788 2008 1231 2007 1231 1,328,308 1,103,762 (13,431) (7,690) (16,383) (14,012) 1,298,494 1,082,060 227
20 (b) 20081231 20071231 7,690 14,012 5,705 11,280 5,855 9,372 2,016 8,333 (4,482) (3,734) 10 5,855 4,890 2,016 4,599 (555) (654) (1,927) (1,082) (114) (37) (31) (131) 13,431 16,383 7,690 14,012 20081231 20071231 19,175 2,527 15,289 1,696 14,125 1,102 9,373 976 (4,447) (35) (3,710) (24) 10 9,678 1,067 5,663 952 (476) (79) (600) (54) (1,887) (40) (1,019) (63) (149) (2) (158) (4) 26,341 3,473 19,175 2,527 228
20 (c) 20081231 20071231 22,602 (14,823) 20,971 (13,092) 2,918 (1,560) 1,723 (920) 25,520 (16,383) 22,694 (14,012) 2008 1231 2007 1231 1.92% 2.05% 229
21 2008 1231 2007 1231 90,974 66,768 (71) (75) 90,903 66,693 393 9,818 20,434 8,529 119,339 124,898 140,166 143,245 222 820 1,938 802 1,271 1,844 3,209 142,010 146,454 21,307 20,285 84.632007 99.08 230
21 1231 2008 2007 133,318 65,584 234,565 261,369 (5) 367,878 326,953 140,982 81,810 2008 1231 2007 1231 90,538 66,768 (71) (75) 90,467 66,693 231
21 2008 1231 2007 1231 393 9,818 20,434 8,529 119,334 124,898 140,161 143,245 2 819 1,116 619 684 1,440 1,800 141,601 145,045 21,086 19,463 133,249 65,584 234,555 261,369 (5) 367,799 326,953 140,911 81,810 200812311,190.08 20071,402.4220081231 1.89% 4.56%20071.89% 4.47% 232
21 1231 2008 2007 226 657 200811 66,768 147,433 326,953 541,154 27,068 216,264 119,800 363,132 (2,836) (217,529) (78,536) (298,901) 891 891 (26) (3,381) (334) (3,741) 20081231 90,974 143,678 367,883 602,535 200811 (75) (979) (1,054) (1,118) (5) (1,123) 33 33 4 377 381 19 19 20081231 (71) (1,668) (5) (1,744) 20081231 90,903 142,010 367,878 600,791 233
21 200811 66,768 146,024 326,953 539,745 26,632 216,264 119,721 362,617 (2,836) (217,255) (78,536) (298,627) 1,568 1,568 (26) (3,332) (334) (3,692) 20081231 90,538 143,269 367,804 601,611 200811 (75) (979) (1,054) (1,118) (5) (1,123) 33 33 4 377 381 19 19 20081231 (71) (1,668) (5) (1,744) 20081231 90,467 141,601 367,799 599,867 234
21 200711 48,409 336,870 385,279 (231,434) 231,434 40,542 278,606 210,162 529,310 (22,077) (236,124) (114,541) (372,742) 950 950 (106) (1,435) (102) (1,643) 20071231 66,768 147,433 326,953 541,154 200711 (103) (290) (393) (769) (769) 28 49 77 31 31 20071231 (75) (979) (1,054) 20071231 66,693 146,454 326,953 540,100 235
21 200711 48,409 336,224 384,633 (231,434) 231,434 40,542 278,282 210,162 528,986 (22,077) (236,124) (114,541) (372,742) 579 579 (106) (1,503) (102) (1,711) 20071231 66,768 146,024 326,953 539,745 200711 (103) (290) (393) (769) (769) 28 49 77 31 31 20071231 (75) (979) (1,054) 20071231 66,693 145,045 326,953 538,691 236
21 2008 1231 2007 1231 63,988 65,591 146 962 838 25,953 118 90,903 66,693 44,662 53,703 1,025 1,344 59,675 67,431 36,648 23,976 142,010 146,454 181,382 181,757 7,455 4,370 159,139 133,584 19,902 7,242 367,878 326,953 237
21 2008 1231 2007 1231 63,988 65,591 146 962 838 25,517 118 90,467 66,693 44,662 53,704 1,025 1,344 59,488 67,431 36,426 22,566 141,601 145,045 181,383 181,757 7,453 4,370 159,067 133,584 19,896 7,242 367,799 326,953 2008 1231 2007 1231 318 238
21 2008 1231 2007 1231 3 216 312 102 15 318 22 200811 23,769 4,028 5,982 244 1,520 35,543 1,118 3,082 2,260 68 455 6,983 (1,184) (288) (965) (8) (83) (2,528) 1,362 (1,362) (395) 7 (388) 20081231 24,670 5,467 7,277 304 1,892 39,610 200811 (2,567) (5) (772) (3,344) (1,138) (1,491) (51) (326) (3,006) 578 810 71 1,459 560 560 20081231 (3,248) (56) (1,027) (4,331) 20081231 24,670 5,467 4,029 248 865 35,279 20081231 15,507 5,306 3,968 206 865 25,852 239
22 200711 21,615 787 4,888 135 1,201 28,626 927 4,012 1,775 114 399 7,227 (511) (681) (5) (80) (1,277) 764 (764) 974 (7) 967 20071231 23,769 4,028 5,982 244 1,520 35,543 200711 (1,889) 76 (529) (2,342) (963) (1,309) (85) (308) (2,665) 40 631 4 65 740 79 79 844 844 20071231 (2,567) (5) (772) (3,344) 20071231 23,769 4,028 3,415 239 748 32,199 20071231 13,106 4,615 3,302 197 748 21,968 240
22 200811 22,530 4,012 5,976 244 1,520 34,282 1,063 3,043 2,251 66 455 6,878 (1,180) (233) (965) (8) (83) (2,469) 1,362 (1,362) (118) 7 (111) 20081231 23,657 5,467 7,262 302 1,892 38,580 200811 (2,568) (5) (772) (3,345) (1,093) (1,488) (51) (326) (2,958) 578 810 71 1,459 515 515 20081231 (3,246) (56) (1,027) (4,329) 20081231 23,657 5,467 4,016 246 865 34,251 20081231 14,957 5,306 3,962 204 865 25,294 241
22 200711 20,255 940 4,888 135 1,201 27,419 925 3,996 1,769 114 399 7,203 (422) (681) (5) (80) (1,188) 917 (917) 855 (7) 848 20071231 22,530 4,012 5,976 244 1,520 34,282 200711 (1,889) 76 (529) (2,342) (928) (1,309) (85) (308) (2,630) 40 630 4 65 739 79 79 809 809 20071231 (2,568) (5) (772) (3,345) 20071231 22,530 4,012 3,408 239 748 30,937 20071231 12,236 4,599 3,296 197 748 21,076 20081231 20081231 242
22 1231 2008 2007 2 1,236 28 177 521 11 3 70 (10) (16) 172 1,811 1231 2008 2007 205 1,107 206 496 3 70 (10) (16) 404 1,657 2008 1231 2007 1231 1,065 1,396 20081231 243
22 1231 2008 2007 50 864 1,140 10 50 201 256 10 1,065 1,396 50 29 25 10 50 23,570 22,345 10 6 3 23,605 22,373 24,670 23,769 1231 2008 2007 50 864 1,140 10 50 201 256 10 1,065 1,396 50 29 25 10 50 22,557 21,106 10 6 3 22,592 21,134 23,657 22,530 244
23 2008 1231 2007 1231 11,535 9,037 1,878 1,254 2,146 4,524 (1,155) (1,511) 381 493 66 81 262 279 (a) 843 575 724 877 200 200 (b) 109 136 (c) 7,564 126 (76) 504 79 24,781 15,950 2008 1231 2007 1231 11,535 8,296 1,038 1,254 1,986 2,809 (1,155) (1,511) 381 493 66 81 262 279 843 575 514 677 109 136 500 79 16,079 13,168 245
23 (a) 1231 2008 2007 50 10 50 690 558 10 153 17 843 575 (b) 1231 2008 2007 50 44 55 10 50 65 81 109 136 246
23 (c) 1231 2008 2007 11 2,468 51 155 4,797 90 5 1,561 8,826 141 8,826 141 (1,262) (15) 7,564 126 11 2,048 44 155 4,202 82 5 1,314 7,564 126 (76) 7,488 126 247
24 2008 1231 2007 1231 83,376 8,958 399,699 254,576 51,563 41,302 6,782 8,747 27,033 18,973 1,000 569,453 332,556 2008 1231 2007 1231 81,792 8,958 401,283 254,576 47,511 41,302 6,782 8,747 27,033 18,973 564,401 332,556 25 2008 1231 2007 1231 19 5,675 3,319 11 479 4,327 6,230 10,013 10,028 248
25 20081231 20071231 % % 31 4.28% 291 4.28% 91 4.75% 35 4.75% 4.72% 20 4.72% 91 4.87% 19 4.87% 20091 174 2.66% 20109 263 3.46% 20097 1,059 0.08% 0.08% 200811 846 0.18% 20089 376 0.26% 20095 398 3.10%4.60% 20087 247 3.57%4.07% 20087 1,133 0.05% 20087 1,134 0.08% 200812 188 0.16% 20097 342 0.55% 20098 838 0.42% 20098 342 0.60% 200912 352 0.23% 376 0.23% 20108 260 0.70% 20108 176 0.50% 308 1,167 4,327 6,230 249
26 2008 1231 2007 1231 646,894 699,289 8,207 7,785 525,106 292,966 231,335 227,796 16,093 14,295 428,136 299,355 10,044 14,113 1,865,815 1,555,599 191,642 132,549 2008 1231 2007 1231 646,887 699,289 8,207 7,785 525,106 292,966 231,335 227,796 16,093 14,295 428,136 299,355 10,044 14,113 1,865,808 1,555,599 191,642 132,549 250
27 2008 1231 2007 1231 22,259 12,750 8,413 10,075 130 1,289 4,328 3,481 1,648 1,449 370 336 875 5,715 5,645 43,199 35,564 2008 1231 2007 1231 22,243 12,750 7,373 10,075 130 1,289 4,210 3,443 1,634 1,346 370 336 875 4,452 2,452 40,748 32,230 251
28 25%2007 25%20081231 16.5%200717.5% 1231 2008 2007 2,020 3,197 1,015 (1,069) (432) (93) (159) (15) 42 2,486 2,020 1231 2008 2007 2,226 3,293 1,071 (1,069) (548) (8) (201) 10 42 2,590 2,226 252
28 2008 1231 2007 1231 (1,024) (511) (1,816) (1,759) (134) (324) (2,974) (2,594) 3,742 2,468 398 189 78 99 1,122 1,819 120 39 5,460 4,614 2,486 2,020 253
28 2008 1231 2007 1231 (1,031) (404) (1,745) (1,650) (134) (324) (2,910) (2,378) 3,742 2,468 441 189 78 90 1,121 1,818 118 39 5,500 4,604 2,590 2,226 2008 1231 2007 1231 2,693 2,524 (207) (504) 254
28 2008 1231 2007 1231 2,736 2,524 (146) (298) 1231 2008 2007 2,150 902 (876) (663) 1,274 239 209 (51) (697) (1,168) (21) (30) 60 (6) 190 (53) 1,015 (1,069) 255