489898 (Chi A-share) (攝cover)實度出不要job bar.indb

1988 IT 2012 1,000 123 2012 1561 33 607 103 6002,000 1311,643 2012 1716 2012 2012 2012

2 4 6 8 10 13 13 14 16 33 44 59 61 61 63 66 79 86 87 91 96 99 102 104 106 106 108 111 113 116 118 210 2012

2012 2012 2012 2012 2012 2012 (2012) 2012 2012 2012 2012 2012 2

2012 2012 2012 2012 2011 201125 201150 3

4

2012 11,681.50112.20 50% 11.27%8.37% 58.7341.02% 18.88% 201221 123 24 613124 65% 305% 201220122012 2012VIP41% 2,00040% 70% 53% 2012103 20123,774 65% 201245 9 2012 201280% 50% 2012 155%461% 2012 2013 5

6

2012 11,681.5011,046.22635.2827.11% 27.51% 20.53% 6,157.508,561.6613.99%15.30% 112.2017.05% 11.27% 8.37% 0.170.32 2,000 103 320913 21.3% (GTS) 61364.7% 200124 304.6% 242012 2012 (BRCC) ISO27001 3607 2012 201325 7

China Guangfa Bank Co., Ltd. China Guangfa Bank CGBGuangfa Bank 713 510080 86-20-38322888 86-20-87310779 400-830-8003 95508 www.cgbchina.com.cn 8

198878 201275 15,402,397,264 440000000046541 B0012H144010001 19033642-8 440101190336428 440102190336428 128 108 9

2012 2011 2010 24,596,078 23,708,838 19,362,322 5,872,840 4,164,539 2,366,301 31,104,615 28,172,779 21,957,867 (12,699,202) (11,250,816) (9,059,658) (1,292,952) (2,510,662) (2,807,783) 14,498,575 12,246,597 8,489,975 14,663,618 12,381,548 8,603,517 11,219,859 9,585,734 6,188,614 11,219,859 9,585,734 6,188,614 1 11,020,956 9,434,731 5,960,988 19,824,958 (15,811,219) 14,865,065 1,168,149,863 918,981,819 814,390,022 615,749,510 540,163,069 466,838,802 (15,488,721) (16,718,163) (15,386,721) 98,477,482 66,698,278 63,676,381 1,104,621,776 866,275,839 771,508,425 856,166,035 742,537,945 628,857,912 144,474,115 67,125,703 55,539,436 34,146,596 9,886,198 13,938,614 63,528,087 52,705,980 42,881,597 85,294,627 72,023,183 56,617,234 63,360,048 52,223,508 42,636,249 23,836,935 21,701,989 15,884,772 (1,904,711) (1,904,627) (1,907,574) 756,592,367 648,878,447 513,759,170 2 4.12 3.42 2.78 1 0.73 0.62 0.46 1 0.73 0.62 0.46 1 0.72 0.61 0.44 1.29 (1.03) 0.97 1. 9 2010 2. 10

2012 2011 2010 % 1 1.08 1.11 0.84 2 19.31 20.06 19.78 2 18.96 19.74 19.05 3 2.31 2.78 2.62 4 2.52 2.93 2.70 18.88 14.78 10.78 5 40.83 39.94 41.26 % 6 1.48 1.34 1.58 7 170.00 231.21 208.48 8 2.52 3.10 3.30 % 8.37 8.05 8.30 11.27 11.10 11.02 1. 2. 92010 3. 4. 5. 6. 7. 8. % 2012 % 2011 % 2010 % 75 71.67 71.64 72.35 25 42.46 48.22 55.61 25 107.36 110.17 46.46 4 3.52 1.00 1.89 8 1.82 2.00 1.79 10 4.10 4.91 7.95 22.71 27.25 41.71 11

2012 2011 1231 1231 15,402,397 15,402,397 11,626,399 398,612 12,025,011 13,490,588 6,432,784 7,057,804 3,584,702 1,121,986 2,462,716 19,474,268 3,665,089 15,809,179 (50,267) 860 (51,127) 63,528,087 11,220,719 398,612 52,705,980 1. 2. 10% 3. 201212311.5% 12

2012 2012 3.2% 20113.9% (QE3 QE4) (LTRO2)(OMT) 1 0.50.56 2012 51.937.8% 8.1% 7.6% 7.4% 7.9% 2012 3.6 3.17% 6.2855 2011 0.24% 0.5%1% 1.1 0.7 13

2012 2013 2013 20131 201320123.2% 3.5% 1.4% -0.2% 5.5% 8.2% 2012112.20 17.05% 245.9658.73 41.02% 1.08% 19.31% 2012 11,681.5011,046.22635.2827.11% 27.51% 20.53% 8,561.666,157.50 15.30%13.99% 1.48% 0.14 150 15,000 120 90 95.9 49.0 112.2 12,000 9,000 8,144 9,190 20.6 11,682 60 61.9 6,000 6,665 30 33.9 3,000 0 2009 2010 2011 2012 0 2009 2010 2011 2012 14

2012 GTS ISO1000224 20121020 IT 2012 15

2012112.2016.3417.05% 2012 2011 31,104,615 28,172,779 24,596,078 23,708,838 5,872,840 4,164,539 635,697 299,402 (2,612,793) (2,161,810) (12,699,202) (11,250,816) (1,292,952) (2,510,662) (1,093) (2,894) 165,043 134,951 14,663,618 12,381,548 (3,443,759) (2,795,814) 11,219,859 9,585,734 23.66 2010 193.62 41.65 2011 237.09 58.73 2012 245.96 16

1. 20123.74% 8.87 (1) 2012 2011 % % 563,295,020 38,498,551 6.83 504,507,712 32,427,991 6.43 78,421,548 2,964,512 3.78 66,423,095 2,336,835 3.52 147,786,917 2,257,651 1.53 117,213,314 1,778,271 1.52 1 186,365,704 8,389,509 4.50 120,645,871 6,029,008 5.00 975,869,189 52,110,223 5.34 808,789,992 42,572,105 5.26 734,452,208 19,745,299 2.69 643,995,854 13,689,873 2.13 2 162,432,660 7,165,362 4.41 104,762,705 4,751,067 4.54 10,049,180 603,484 5.98 10,000,000 422,327 6.01 906,934,048 27,514,145 3.03 758,758,559 18,863,267 2.49 24,596,078 23,708,838 2.31 2.78 2.52 2.93 1. 2. 17

(2) 20122011 3,778,643 2,291,917 6,070,560 418,969 208,709 627,678 463,839 15,541 479,380 3,245,249 (884,749) 2,360,500 7,906,700 1,631,418 9,538,118 1,922,895 4,132,532 6,055,427 2,508,046 (93,752) 2,414,294 2,956 178,201 181,157 4,443,897 4,216,981 8,650,878 3,472,803 (2,585,563) 887,240 2. 20122.31% 47 20115.26%20125.34% 8 20112.49%20123.03% 54 20122.52% 41 2012 % 2011 % 5.34 5.26 8 3.03 2.49 54 2.31 2.78 (47) 2.52 2.93 (41) 18

3. 201295.3822.40% 2012 2011 % % 38,498,551 73.9 32,427,991 76.2 25,868,786 49.6 23,396,296 55.0 10,717,617 20.6 8,359,463 19.6 1,912,148 3.7 672,232 1.6 2,837,889 5.5 2,197,326 5.1 2,257,651 4.3 1,778,271 4.2 583,928 1.1 492,581 1.2 6,275,296 12.1 4,649,944 10.9 1,530,285 3.0 886,483 2.1 126,623 0.2 139,509 0.3 52,110,223 100.0 42,572,105 100.0 450 400 350 300 250 200 150 100 50 0 2010 2011 2012 19

4. 201286.5145.86% 2012 2011 % % 19,745,299 71.8 13,689,872 72.7 603,484 2.2 422,327 2.2 5,706,216 20.7 3,490,780 18.5 511,704 1.9 214,514 1.1 947,442 3.4 1,045,774 5.5 27,514,145 100.0 18,863,267 100.0 5. 201265.0920.4545.80% 2012 2011 5,872,840 4,164,539 132,697 (84,306) 106,416 115,504 371,944 243,147 24,640 25,057 6,508,537 4,463,941 2012 2011 % 520,196 467,644 52,552 11.2 484,203 346,144 138,059 39.9 4,549,207 3,092,290 1,456,917 47.1 353,000 535,244 (182,244) (34.0) 123,599 47,461 76,138 160.4 364,322 231,667 132,655 57.3 574,726 232,229 342,497 147.5 6,969,253 4,952,679 2,016,574 40.7 (1,096,413) (788,140) (308,273) 39.1 5,872,840 4,164,539 1,708,301 41.0 20

6. 2012126.9912.87% IT 2012 2011 % % 6,810,879 53.6 6,432,588 57.2 1,122,593 8.8 851,678 7.6 550,416 4.3 490,216 4.4 563,243 4.4 489,827 4.4 3,652,071 28.9 2,986,507 26.4 12,699,202 100.0 11,250,816 100.0 7. 201212.9348.50% 2012 2011 % % 1,305,702 101.0 2,488,651 99.1 (12,750) (1.0) 22,011 0.9 1,292,952 100.0 2,510,662 100.0 21

8. (1) 480,407,467 9,059,770 6,822,733 249,270,092 5,656,066 772,047 376,718,813 8,606,858 3,747,934 255,254,221 4,264,063 1,424,014 147,946,522 3,399,066 1,837,596 9,785,527 118,792 59,294 351,232,779 1,168,149,863 31,104,615 14,663,618 (2) 437,722,046 16,334,884 9,045,800 163,165,743 11,696,042 3,213,791 567,262,074 3,073,689 2,404,027 1,168,149,863 31,104,615 14,663,618 10% 37% 49% 38% 52% 22% 16% 62% 14% 22

1. 201211,681.502,491.6827.11% 20121231 20111231 % % 615,749,510 52.7 540,163,069 58.8 (15,488,721) (1.3) (16,718,163) (1.8) 600,260,789 51.4 523,444,906 57.0 98,477,482 8.4 66,698,278 7.3 180,776,125 15.5 149,944,006 16.3 90,356,649 7.7 64,070,673 7.0 177,482,650 15.2 93,391,188 10.1 20,796,168 1.8 21,432,768 2.3 1,168,149,863 100.0 918,981,819 100.0 (1) 20126157.50755.8613.99% (a) 2012 2011 1231 1231 423,060,566 388,841,111 164,129,128 137,944,401 28,559,816 13,377,557 615,749,510 540,163,069 2012 2012 26.7% 173.3% 1 23

(b) % 182,032,880 29.6 151,172,575 24.6 114,367,321 18.6 82,236,449 13.3 81,393,193 13.2 4,547,092 0.7 615,749,510 100.0 (c) % 563,295,020 6.83 530,315,333 6.90 32,979,687 5.80 (d) 20121231 20111231 % % 292,441,252 69.1 240,020,745 61.7 130,619,314 30.9 148,820,366 38.3 423,060,566 100.0 388,841,111 100.0 2011 2012 24

(e) 20121231 20111231 % % 76,460,051 46.6 73,544,863 53.3 70,525,724 43.0 49,877,151 36.2 17,143,353 10.4 14,522,387 10.5 164,129,128 100.0 137,944,401 100.0 201218.98% (f) 20121231 20111231 % % 162,076,012 26.3 157,037,112 29.1 164,002,236 26.7 130,225,902 24.1 207,642,828 33.7 190,699,265 35.3 82,028,434 13.3 62,200,790 11.5 615,749,510 100.0 540,163,069 100.0 2012 25

(g) % % 3,499,306 4.10 0.57 2,500,000 2.93 0.41 2,200,000 2.58 0.36 2,000,000 2.34 0.32 2,000,000 2.34 0.32 1,792,000 2.10 0.29 1,637,000 1.92 0.26 1,455,304 1.71 0.24 1,418,400 1.66 0.23 1,350,000 1.58 0.22 19,852,010 23.27 3.22 (2) (a) 20121231 20111231 % % 6,446,558 6.5 2,293,364 3.5 52,414,719 53.3 31,946,857 47.9 6,678,444 6.8 1,565,453 2.3 32,935,919 33.4 30,890,846 46.3 1,842 0.0 1,758 0 98,477,482 100.0 66,698,278 100.0 2012 26

(b) 20121231 20111231 % % 49,144,357 49.9 22,265,103 33.4 31,433,601 31.9 36,151,146 54.2 12,460,185 12.7 8,119,918 12.2 5,437,497 5.5 160,353 0.2 1,842 0.0 1,758 0 98,477,482 100.0 66,698,278 100.0 20122011 (c) 20121231 20111231 % % 189,123 0.2 162,111 0.3 3 10,920,519 11.1 2,732,060 4.1 3-12 11,477,536 11.6 13,150,500 19.7 1-5 43,397,448 44.1 37,965,784 56.9 5 32,492,856 33.0 12,687,823 19.0 98,477,482 100.0 66,698,278 100.0 (d) % 1217 5,040,000 2015-09-13 3.10 1205 4,440,000 2019-03-08 3.41 1216 4,070,000 2019-09-06 3.25 1207 3,170,000 2015-04-26 2.91 1215 2,870,000 2022-08-23 3.39 19,590,000 27

(e) % 1037 1,000,000 2013-05-07 2.72 1042 1,000,000 2013-05-20 2.70 1102 1,000,000 2018-01-14 3.41 0726 990,000 2013-01-10 3.50 0406 955,000 2014-04-16 4.55 4,945,000 (f) 199441041% 2012 184 2. 2012123111,046.222,383.46 8,561.661,136.28 15.30% (1) 20121231 20111231 % % 856,166,035 77.5 742,537,945 85.7 144,474,115 13.1 67,125,703 7.7 36,756,613 3.3 15,690,830 1.8 14,500,000 1.3 10,000,000 1.2 52,725,013 4.8 30,921,361 3.6 1,104,621,776 100.0 866,275,839 100.0 (2) % 209,399,665 0.68 395,606,880 3.85 52,122,457 0.36 77,323,206 3.74 28

(3) 20121231 20111231 % % 318,625,155 37.2 311,392,447 42.0 246,570,598 28.8 241,198,597 32.5 72,054,557 8.4 70,193,850 9.5 536,219,183 62.6 429,912,329 57.9 454,592,684 53.1 362,556,309 48.8 81,626,499 9.5 67,356,020 9.1 1,321,697 0.2 1,233,169 0.1 856,166,035 100.0 742,537,945 100.0 2011 (4) 20121231 20111231 % % 11,171,503 1.3 1,110,304 0.1 213,202,865 24.9 186,012,761 25.0 305,262,934 35.6 276,695,505 37.3 206,824,597 24.2 175,372,503 23.6 111,888,092 13.1 96,977,413 13.1 7,816,044 0.9 6,369,459 0.9 856,166,035 100.0 742,537,945 100.0 2012 2011 2010 0% 20% 40% 60% 80% 100% 29

(5) 20121231 20111231 % % 331,007,117 38.7 312,590,559 42.1 3 162,036,555 18.9 143,393,821 19.3 3-12 199,635,966 23.3 163,135,041 22.0 1-5 159,296,413 18.6 116,668,706 15.7 5 4,189,984 0.5 6,749,818 0.9 856,166,035 100.0 742,537,945 100.0 20121,186.4084.646.66% 198.25225.39% 321.07912.07% 38.8058.41% 2011 46.29 1. 2012 1231 % 1,168,149,863 27.1 1,104,621,776 27.5 63,528,087 20.5 11,219,859 17.1 30

2. 30% 30% 5% 10% 2012 1231 % 64,121,338 41.4 177,482,650 90.0 144,474,115 115.2 (27,514,145) 45.9 6,969,253 40.7 (1,096,413) 39.1 (1,292,952) (48.5) 1. 1. 2,687,822 1,701,573 10,519 0 8,568,179 394,458 1,716,644 10,519 0 2,121,621 2. 1,565,453 0 0 0 6,678,444 3. 31,946,857 0 (373,459) (7,940) 52,414,719 4. 30,890,846 0 0 0 32,935,919 67,090,980 1,701,573 (362,940) (7,940) 100,597,261 376,726 1,595,157 19,082 0 1,990,965 31

2. 2012 1231 2011 1231 2010 1231 5,974,418 7,007,319 9,154,865 229,475,297 189,852,432 173,722,721 15,757,001 44,708,307 9,683,729 17,185,609 21,672,540 12,688,480 229,873,482 63,886,555 27,942,299 4,356,281 3,479,383 2,578,813 3,931,117 4,404,806 1,077,035 92,700,387 58,387,555 42,406,215 3,372,859 4,437,187 4,930,278 3. 2,879,241 3,625,776 1,786,101 2,139,062 90 32

22 2012 7,024.85 974.9716.12% 4,516.21 494.0212.28% EVA RAROC(CRI) PE (Global Transaction Services GTS) 33

GTS13.66 19.41% 873.9724.91% 66% 57% 1,0401.81.23 1.6 2012 1,101.64 83% 300 2012 1311,643 20122,305.1 182.8954.49% 80.48% 913.02160.2121.28% 34

320 20121428103 201252 2012 2012 2012 2012 116.9629.55% 41.8 50% 2012 35

2012 1,484.0311.34% 1,247.72 21.01% 1901,965 1.49 936.03 1,4001.5 2012 3026% VIP41% 28% 520112 2012 2,293 2,000 705.26 41.40% 97.31 38.80% 0.58% 2012 550112498 36

EC12 780 50% EC12 2012 2012 2012 2012 3,7741,48165% 34 1120116 37

2012 2012 2012 20122223.3 20121,9842,6142012 38

2012 1561 607 2012 24 (VTM) Wi-Fi Smart E-Bank 23 743620042 149910 keykey3 510 39

2012612.8064.68% 8,999.35 81.81% 8,586.7553.94% 124.24 304.62% 253.22486.70% 72.91 342.15% 81423,862 ATM&CRS3,2337,048.2115.14% 1,275.7825.00% 82.56% 2012 2012 2012IT IC QDII 40

IT IT ISO27001 41

7,524 22 20123 2012 50 85 2012 (2012) (2012) 42

2012 21 2012 CCTV-1 CCTVCCTV-7 80 2012 2012 43

KPI 2012 2012 44

1. 2012 45

2012 (CDS) (CMS) (1) % 593,545,567 96.39 7,345,676 13,092,858 2.13 1,908,417 3,953,030 0.64 1,837,820 3,996,767 0.65 3,235,520 1,161,288 0.19 1,161,288 615,749,510 100.00 15,488,721 46

(2) 20111231 20121231 % % % 2,002,298 0.37 1,950,732 0.27 3,953,030 0.64 3,788,841 0.70 207,926 (0.05) 3,996,767 0.65 1,439,711 0.27 (278,423) (0.08) 1,161,288 0.19 7,230,850 1.34 1,880,235 0.14 9,111,085 1.48 (3) 20126937 54% 47

(a) 20121231 20111231 % % % % 447,622,480 72.7 1.70 398,631,147 73.8 1.51 163,579,938 26.6 0.91 137,564,923 25.5 0.86 70,525,724 11.5 1.50 49,877,151 9.2 1.63 4,547,092 0.7 0.05 3,966,999 0.7 0.60 615,749,510 100.0 1.48 540,163,069 100.0 1.34 2012 (b) 20121231 20111231 % % % % 130,251,226 30.8 3.16 116,658,981 30.0 3.03 104,780,915 24.8 2.66 86,174,534 22.2 1.97 53,328,561 12.6 0 60,089,026 15.5 0.14 27,216,057 6.4 0.08 27,014,337 6.9 0.07 39,580,691 9.4 0.09 42,000,272 10.8 0.26 18,197,343 4.3 1.42 18,691,257 4.8 0.94 31,767,710 7.5 0.19 25,322,844 6.5 0.63 3,366,462 0.8 0 1,488,839 0.4 0 3,798,727 0.9 0.51 2,612,533 0.7 0 10,772,874 2.5 0.18 8,788,488 2.2 0.28 423,060,566 100.0 1.73 388,841,111 100.0 1.49 48

2012 2012 (4) (16,718,163) (4,149,407) 2,843,705 91,044 (133,567) 2,577,667 (15,488,721) (5) 20122,026100 49

(6) 2012 2011 1231 1231 161,123 167,247 144,006 146,669 17,117 17,117 0 3,461 (24,328) (26,684) 136,795 140,563 2. 2012 (LCR) (NSFR) 50

3. 51

2012 PSECEF VaR 4. (BRCC) 2012 BRCC BRCC PDA 52

5. 2012 53

6. 54

2012 24 ISO27001 19 9 400 618 10 27 6 55

7. 8. 2012 56

2012 1020 2012 2012821 57

(BRCC) 100 (AWG) BRCC 2012 2012 162 58

(BRCC) (AWG) 2012 59

2012 2011 1231 1231 63,362,403 52,225,821 15,402,397 15,402,397 11,500,552 11,499,692 17,075,290 9,520,520 19,384,164 15,803,212 0 0 23,836,935 21,701,989 9,254,093 11,458,927 14,500,000 10,000,000 82,842 243,062 87,199,338 73,927,810 1,904,711 1,904,627 4,711 4,627 0 0 1,900,000 1,900,000 85,294,627 72,023,183 63,360,048 52,223,508 756,592,367 648,878,447 8.37% 8.05% 11.27% 11.10% 20121211.27% 0.17 8.37% 0.32 [2012]704[2012]85 201245 60

2011 (ICAAP)11 119 2012 2012 221 1.8 100 2012205 2013 2013 61

62

% % 80,474,860 0.523 (26,910,097) 53,564,763 0.348 11,037,015,815 71.658 21,997,359 11,059,013,174 71.801 3,648,276,645 23.686 0 3,648,276,645 23.686 904,739 0.006 0 904,739 0.006 635,725,205 4.127 4,912,738 640,637,943 4.159 15,402,397,264 100.00 0 15,402,397,264 100.00 46815,402,397,264 % CITIGROUP INC. 0 3,080,479,452 20.000 0 3,080,479,452 20.000 0 3,080,479,452 20.000 0 3,080,479,452 20.000 IBM CREDIT LLC 0 567,797,193 3.686 0 316,906,594 2.058 0 223,596,793 1.452 0 222,777,231 1.446 2,060,927 147,274,857 0.956 0 133,349,884 0.866 2,060,927 13,933,620,360 90.464 1. 5% 2. 63

5% Citigroup Inc. 1602 2003630 2003121718200719 28,264,705,000 160 122,300 64

5%5%5%5% 5% 5% 20% 2012 45201220 3.5 AAA 65

54 2009/03/17 59 2006/12/18 Weber Lo 42 2012/02/17 Frederick Ip 65 2012/11/16 49 2006/12/18 41 2007/06/26 70 2010/06/18 53 2006/12/18 Morris Li 56 2010/06/18 40 2012/02/17 50 2009/12/01 47 2010/06/18 52 2006/12/18 55 2007/09/20 51 2009/06/22 52 2006/12/18 James Morrow 57 2010/03/23 51 2007/06/26 56 2009/02/18 37 2011/10/13 57 2011/06/30 50 2011/10/13 49 2011/10/13 47 2007/06/26 48 2007/06/26 45 2011/06/30 Edward Chou 47 2006/12/18 52 2007/01/30 49 2006/12/18 66

Weber Lo 2000Citigold 2008 67

Frederick Ip 1965 19801991 1991 20022010 1998200020002003 68

1967 PREMIUM HOLDINGS PREMIUM GROUP Morris Li 1989 20074 69

1996 8199710 70

71

James Morrow 72

73

(MPAcc) 74

Edward Chou 75

1996 1997 2001 2006 76

(1)200,000160,000 (2) 35,00050,000 28,00040,000 (3) / / 5,000 (4) 5,000 20120.262012 2012217 2012217 2012362012 201211162012Phee Boon Kang 2013322 77

21,32420112,683 11.1% 64.1% 20.7% 4.1% 3565.9% 36 4525.1% 469.0% 797 9% 25% 4.1% 11.1% 20.7% 64.1% 66% 78

2012 20112011 2011 201245 1%1.5% IPO 79

2011 (LACP) 201125201150 2012 2012726 27 80

81

1734 5 82

5 3 5James Morrow 3 5 83

9432 4 3 2 5 84

5 85

2012 20126152011 97139.5590.60% 2011 2011 20112011 2012 2012 2011 2011 2012 201236 2012 95137.9189.54% 2012 201211162012 53133.4186.62% Phee Boon Kang 86

20129210 / 9/9 100% 9/9 100% Weber Lo 9/9 100% 9/9 100% 9/9 100% 9/9 100% 9/9 100% Morris Li 9/9 100% 9/9 100% 9/9 100% 9/9 100% 9/9 100% 9/9 100% 9/9 100% 9/9 100% James Morrow 9/9 100% 1. 20121116 2. 87

2012217 2012 2011 2012 20123262012 2011 2012413 20112011 2011 20112012 2011 20122012 20122012 2012 2011 2011 201252120122011 2012612012 20122012 2012812012 45 88

20129420122012 / 2013 2012 20121082012 2012 20121026Phee Boon Kang 20122012 / 2013 2012 2012192012 2011 2011 2012 2011 20112012 45 1%1.5% 89

3 2012 2012 2012112.2010% 11.2220121231 1%1.5% 64.33 194.74 2012 2012 90

6 2012216 2011 2011 2012327 2011 2011 2012413 20112011 2011 2012522 2012529 2012 2011 2012127 2012 2012 4 2012327 2011 2012521 2012529 2011 91

20121129 2012 3 2012413 20112011 2011 2012529 2012 20121129 2 1. 201264 3 12 5 87 92

2. 2012 201262012 8 12 9 2012 2012 2011 20123 20112011 2011 2012 2012 2012 2012 93

2012 2012 94

95

2,060,927 147,274,857 2012612287,158 20122,032100.97 7.70 2012 96

1 2 2012 (2011) 3 2011 4 20112011 2011 5 (GTS) 2012 6 400 20122012 97

7 24 8 ISO10002 (2007 2011) 9 2000 10 2012 1020 11 (MT202)(MT103) 2012 2012 12 (ISO27001) IT2012 2012 2011 2012 2012 98

20128 21 2012 2012 24 20121,675583 99

2012 (2012) 100

2012550498112 23 201250 2012 2012 101

2012 2012 2012 2012 2012 2012 Weber Lo Frederick Ip Morris Li 102

James Morrow Edward Chou 103

2012 1300209 201220121231 2012 20133 22 1211 1231 104

2012 1300209 [2004]82012 2012 2012 2012 105

1300482 108209 20121231 2012 (1) (2) 106

1300482 201212312012 107

20121231 () 2012 1231 2011 1231 5 180,776,125 149,944,006 6 64,121,338 45,358,675 7 26,235,311 18,711,998 8 6,446,558 2,293,364 9 2,121,621 394,458 10 177,482,650 93,391,188 11 3,625,776 2,879,241 12 600,260,789 523,444,906 13 52,414,719 31,946,857 14 32,935,919 30,890,846 15 6,678,444 1,565,453 16 1,842 1,758 17 7,124,576 4,997,155 18 823,114 738,151 19 3,408,666 3,627,232 20 3,692,415 8,796,531 1,168,149,863 918,981,819 118209 108

() 20121231 () 2012 1231 2011 1231 22 144,474,115 67,125,703 23 34,146,596 9,886,198 9 1,990,965 376,726 24 36,756,613 15,690,830 25 856,166,035 742,537,945 26 1,838,714 1,985,711 27 1,650,120 2,706,104 28 10,877,092 8,153,043 29 24,297 58,545 30 14,500,000 10,000,000 31 2,197,229 7,755,034 1,104,621,776 866,275,839 118209 109

() 20121231 () 2012 1231 2011 1231 () 32 15,402,397 15,402,397 33 11,626,399 12,025,011 34 3,584,702 2,462,716 35 13,490,588 7,057,804 36 19,474,268 15,809,179 (50,267) (51,127) 63,528,087 52,705,980 1,168,149,863 918,981,819 118209 110

2012 () 2012 2011 52,110,223 42,572,105 (27,514,145) (18,863,267) 37 24,596,078 23,708,838 6,969,253 4,952,679 (1,096,413) (788,140) 38 5,872,840 4,164,539 / () 39 132,697 (84,306) / () 84 (2,342) 40 106,416 115,504 371,944 243,147 24,640 25,057 31,104,615 28,172,779 41 (2,612,793) (2,161,810) 42 (12,699,202) (11,250,816) 43 (1,292,952) (2,510,662) (1,093) (2,894) (16,606,040) (15,926,182) 14,498,575 12,246,597 118209 111

() 2012 () 2012 2011 () 14,498,575 12,246,597 44 242,927 201,480 45 (77,884) (66,529) 14,663,618 12,381,548 46 (3,443,759) (2,795,814) 11,219,859 9,585,734 - () 0.73 0.62 47 (397,752) 238,649 10,822,107 9,824,383 118209 112

2012 () 2012 2011 191,139,733 126,097,838 45,326,181-56,103,781 44,234,164 574,235 4,014,487 293,143,930 174,346,489 (78,094,442) (75,014,225) (50,350,769) (27,235,301) (99,344,693) (10,557,920) - (42,509,011) (25,284,908) (15,963,645) (6,957,876) (5,779,163) (6,787,756) (5,224,189) (6,498,528) (7,874,254) (273,318,972) (190,157,708) / () 48(a) 19,824,958 (15,811,219) 118209 113

() 2012 () 2012 2011 485,289,995 404,088,555 3,634 4,182 2,580,586 2,369,616 71,283 145,762 487,945,498 406,608,115 (517,501,241) (406,962,766) (2,551,373) (2,817,769) (520,052,614) (409,780,535) (32,107,116) (3,172,420) 118209 114

() 2012 () 2012 2011-4,629,014 4,482,000 4,995,000 4,482,000 9,624,014 (31) (6,260) (601,951) (288,500) (601,982) 294,760 3,880,018 9,329,254 (61,828) (244,966) 48(b) (8,463,968) (9,899,351) 127,103,719 137,003,070 48(c) 118,639,751 127,103,719 118209 115

2012 () 201211 15,402,397 11,550,819 474,604 (412) 2,462,716 7,057,804 (51,127) 15,809,179 52,705,980 1. 11,219,859 11,219,859 2. 33 / 47 - - (392,052) (6,560) - - 860 - (397,752) 12 - - (392,052) (6,560) - - 860 11,219,859 10,822,107 3. - 36(1) - - - - 1,121,986 - - (1,121,986) - - 36(3) - - - - - 6,432,784 - (6,432,784) - 20121231 15,402,397 11,550,819 82,552 (6,972) 3,584,702 13,490,588 (50,267) 19,474,268 63,528,087 118209 116

() 2012 () 201111 15,402,397 11,550,819 236,378-1,504,142 6,693,316 (51,962) 7,546,507 42,881,597 1. - - - - - - - 9,585,734 9,585,734 2. 33 / 47 - - 238,226 (412) - - 835-238,649 12 - - 238,226 (412) - - 835 9,585,734 9,824,383 3. - 36(1) - - - - 958,574 - - (958,574) - - 36(3) - - - - - 364,488 - (364,488) - 20111231 15,402,397 11,550,819 474,604 (412) 2,462,716 7,057,804 (51,127) 15,809,179 52,705,980 118209 117

() 1 ()()198898 () 2011127 2011216 218 20121231 () 33 () () 2 (1) ()2006215 38 ( )20121231 2012 (2) 111231 (3) 3(2)(b) 118

3 (1) (2) (a) (b) (3) (a) 119

3 () (3) () (a) () ( ) - - - - - - 120

3 () (3) () (a) () - - - (3(13)) 121

3 () (3) () (b) (c) (a) (b) (c) (d) (e) (f) 122

3 () (3) () (c) () () (i) (ii) (iii) 123

3 () (3) () (c) () () (d) ( ) - - 124

3 () (3) () (d) () (e) (f) (g) (h) ( ) 125

3 () (3) () (h) () 126

3 () (4) (3(7)) 3(9) (5) (3(9)) (3(7)) (3(9)) (3(7)) 127

3 () (5) () (%) (%) 30 35 3% 5% 2.8% 3.2% 5 3% 5% 19% 19.4% 5 3% 5% 19% 19.4% (6) ()(3(9)) (3(7)) 30 50 5 5 128

3 () (7) ( ) (8) 3(9) (9) - - - - - () 129

3 () (9) () () () (10) (a) (b) 3(5)3(9) (11) (a) 130

3 () (11) () (b) (c) - - (d) ( ) (12) (13) (3(12)) 131

3 () (14) () () (15) (a) ()() (b) (c) 132

3 () (16) () () - - (17) 133

3 () (18) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (19) - - - - - - - 134

3 () (20) (a) (b) (c) 135

3 () (20) () (d) (e) ()() () () (f) () 4 5% 1% 7% 3% 2% 25% 136

4 () 20081133%25% ( [2007] 39) 20082012525% 201225%(201124%) 20122% 5 2012 2011 1231 1231 4,705,943 3,842,674 - (i) 139,331,205 115,964,324 - (ii) 35,885,070 29,646,388-853,907 490,620 176,070,182 146,101,332 180,776,125 149,944,006 (i) 2012 1231 2011 1231 18.0% 19.0% 5.0% 5.0% (ii) 137

6 2012 1231 2011 1231 61,588,011 43,733,918 23,660 33,385 61,611,671 43,767,303 2,509,667 1,586,752-4,620 2,509,667 1,591,372 64,121,338 45,358,675 7 2012 1231 2011 1231 17,984,167 15,058,938 7,030,000 3,180,000 25,014,167 18,238,938 1,222,144 474,060 26,236,311 18,712,998 21 (1,000) (1,000) 26,235,311 18,711,998 138

8 2012 1231 2011 1231-239,080 70,822 - - 704,512-31,822 747,934-6,175,656 770,096 6,446,558 2,293,364 139

9 (1) 20121231 67,378,166 428,212 (337,070) 931,945 26,234-1,156,570 - (26,454) 69,466,681 454,446 (363,524) 54,809,826 275,954 (222,951) 15,193,173 412,183-15,193,173 - (412,183) 85,196,172 688,137 (635,134) 15,962,155 440,548-15,962,155 - (440,548) 2,025,378 65,089-2,025,378 - (65,089) 2,985,613 - (4,706) 8,056,740 462,882-8,056,740 - (462,882) 55,074,159 968,519 (973,225) (i) 400,000 10,519-19,736,470 - (19,082) 20,136,470 10,519 (19,082) 229,873,482 2,121,621 (1,990,965) 140

9 () (1) () 20111231 34,196,399 245,788 (190,700) 4,202,545 51,494-4,202,545 - (51,494) 42,601,489 297,282 (242,194) 14,817,132 63,076 (99,882) 1,666,600 16,173-1,666,600 - (16,173) 18,150,332 79,249 (116,055) 1,282,367 14,477-1,282,367 - (14,477) 235,000 3,450-235,000 - (3,450) 3,034,734 17,927 (17,927) (i) 100,000 - (550) 63,886,555 394,458 (376,726) (i) ( )() ( 33) 141

9 () (2) 2012 1231 2011 1231 1,435,322 728,167 827,253 112,970 1,235,030 47,274 3,497,605 888,411 10 (1) 2012 1231 2011 1231-8,889,016 5,629,100-39,600 10,485,400-1,323,824 3,669,420-5,546,335 8,727,954 15,798,775 28,511,874 161,518,536 64,682,458 165,339 196,856 177,482,650 93,391,188 (2) 2012 1231 2011 1231-169,474,591 79,814,303-8,008,059 13,576,885 177,482,650 93,391,188 142

11 2012 1231 2011 1231 1,830,902 1,599,404 1,459,875 1,034,816 230,286 142,467 71,942 60,712 25,207 28,064 7,403 10,300 161 3,478 3,625,776 2,879,241 3 12 (1) 2012 1231 2011 1231 423,060,566 388,841,111 76,460,051 73,544,863 70,525,724 49,877,151 17,143,353 14,522,387 164,129,128 137,944,401 28,559,816 13,377,557 615,749,510 540,163,069 21 - (4,816,580) (4,125,570) - (10,672,141) (12,592,593) (15,488,721) (16,718,163) 600,260,789 523,444,906 143

12 () (2) 2012 1231 2011 1231 82,028,434 62,200,790 207,642,828 190,699,265 164,002,236 130,225,902 162,076,012 157,037,112 615,749,510 540,163,069 - (4,816,580) (4,125,570) - (10,672,141) (12,592,593) (15,488,721) (16,718,163) 600,260,789 523,444,906 (3) 20121231 % 20111231 % - 130,251,226 21.15 23.67 116,658,981 21.60 26.14-104,780,915 17.02 29.25 86,174,534 15.95 28.44-53,328,561 8.66 12.67 60,089,026 11.12 12.22-39,580,691 6.43 91.55 42,000,272 7.78 76.90-31,767,710 5.16 21.78 25,322,844 4.69 21.65-27,216,057 4.42 8.98 27,014,337 5.00 8.13-18,197,343 2.95 31.62 18,691,257 3.46 27.66-3,798,727 0.62 31.90 2,612,533 0.48 33.10-3,366,462 0.55 10.34 1,488,839 0.28 2.25-10,772,874 1.75 9.48 8,788,488 1.63 12.57 423,060,566 68.71 28.88 388,841,111 71.99 28.16 164,129,128 26.65 52.08 137,944,401 25.54 58.86 587,189,694 95.36 35.36 526,785,512 97.53 36.20 28,559,816 4.64-13,377,557 2.47-615,749,510 100.00 33.72 540,163,069 100.00 35.30 - (4,816,580) (4,125,570) - (10,672,141) (12,592,593) (15,488,721) (16,718,163) 600,260,789 523,444,906 144

12 () (4) 20121231 20111231 % % 131,024,828 21.28 20.07 99,412,303 18.40 24.32 59,746,472 9.70 25.05 49,565,697 9.18 27.24 58,326,355 9.47 37.56 56,629,279 10.48 40.30 54,836,614 8.91 21.40 59,371,078 10.99 22.65 35,431,348 5.76 27.44 32,601,506 6.04 27.65 33,099,748 5.38 44.24 33,485,405 6.20 39.88 27,426,843 4.45 34.66 26,151,306 4.84 34.56 26,776,211 4.35 35.77 25,099,203 4.65 37.77 25,639,358 4.16 50.07 22,017,171 4.08 50.83 20,264,351 3.29 45.43 22,850,728 4.23 45.83 17,423,639 2.83 30.44 14,884,225 2.76 33.58 125,753,743 20.42 49.25 98,095,168 18.15 50.16 615,749,510 100.00 33.72 540,163,069 100.00 35.30 - (4,816,580) (4,125,570) - (10,672,141) (12,592,593) (15,488,721) (16,718,163) 600,260,789 523,444,906 145

12 () (5) 20121231 1 90 1 90 1 3 3 (90) (1) (3) 886,209 555,315 117,148 1,912,472 3,471,144 2,983,706 1,793,514 598,345 219,763 5,595,328 1,136,045 1,861,777 448,770 285,431 3,732,023 5,636,321 1,112,108 6,227 458 6,755,114 10,642,281 5,322,714 1,170,490 2,418,124 19,553,609 20111231 1 90 1 90 1 3 3 (90) (1) (3) 77,987 137,567 1,906,584 41,240 2,163,378 1,536,459 480,388 374,561 247,554 2,638,962 655,334 386,336 696,997 132,190 1,870,857 4,891,133 831,295 185,123 268,100 6,175,651 7,160,913 1,835,586 3,163,265 689,084 12,848,848 1 / 2012 2011 3,002,472 1,099,479 749,400 34,950 3,751,872 1,134,429 146

12 () (6) 20121231 (%) - 7,382,482 - - 7,382,482 - - 599,255,943 1,486,069 7,625,016 608,367,028 1.50 606,638,425 1,486,069 7,625,016 615,749,510 1.48 - (48,071) - - (48,071) - (9,206,022) (1,418,048) (4,816,580) (15,440,650) (9,254,093) (1,418,048) (4,816,580) (15,488,721) - 7,334,411 - - 7,334,411-590,049,921 68,021 2,808,436 592,926,378 597,384,332 68,021 2,808,436 600,260,789 147

12 () (6) () 20111231 (%) - 2,969,833 - - 2,969,833 - - 529,962,386 1,183,770 6,047,080 537,193,236 1.35 532,932,219 1,183,770 6,047,080 540,163,069 1.34 - (30,707) - - (30,707) - (11,428,220) (1,133,666) (4,125,570) (16,687,456) (11,458,927) (1,133,666) (4,125,570) (16,718,163) - 2,939,126 - - 2,939,126-518,534,166 50,104 1,921,510 520,505,780 521,473,292 50,104 1,921,510 523,444,906 3(3)(c) (i) (ii) (iii) (iv) (v) 148

12 () (6) () () - - (i) (ii) 12 (iii) (7) 2012 (11,458,927) (1,133,666) (4,125,570) (16,718,163) - (567,704) (3,581,703) (4,149,407) 2,204,834-638,871 2,843,705 - - 91,044 91,044 - (111,815) (21,752) (133,567) - 395,137 2,182,530 2,577,667 (9,254,093) (1,418,048) (4,816,580) (15,488,721) 149

12 () (7) () 2011 (10,841,501) (844,814) (3,700,406) (15,386,721) (617,426) (364,433) (2,285,372) (3,267,231) - - 778,580 778,580 - - 110,728 110,728 - (76,784) (65,290) (142,074) - 152,365 1,036,190 1,188,555 (11,458,927) (1,133,666) (4,125,570) (16,718,163) (8) 2012 2011 1,485,332 1,039,707 392,785 247,863 1,878,117 1,287,570 2012 2011 3,128,395 159,069 667,784 135,815 3,796,179 294,884 150

13 2012 1231 2011 1231-35,443,374 15,031,429-9,987 2,913,438-1,499,647 1,910,740-10,670,202 6,444,864-4,463,630 5,334,709 - - 7,562-79,879 82,466-60,718 61,296 ((i)) 52,227,437 31,786,504 - ((ii)) 90,929 90,929-96,353 69,424 187,282 160,353 52,414,719 31,946,857 (i) 2012 1231 (20111231756) 2012794(2011 1,398) 201212316,071(201112 315,277) (ii) 151

14 2012 1231 2011 1231-12,553,606 5,767,376-2,769,772 2,769,771-1,681,171 4,192,992-14,226,311 16,242,532-1,629,834 1,818,562-24,756 38,303 - - 8,521 32,885,450 30,838,057-50,469 52,789 32,935,919 30,890,846 15 2012 1231 2011 1231-908,296 1,395,476-519,933 169,977-5,010,715 - - 239,500-6,678,444 1,565,453 152

16 (1) 2012 1231 2011 1231 1,758 4,100 / () 84 (2,342) 1,842 1,758 (2) 61743591 x 10,000,000 4,100,000 41% 41% 2012 2011 624,684 486,902 205 26 2012 1231 2011 1231 10,748 8,919 (6,255) (4,630) 4,493 4,289 153

17 201111 4,224,598 241,741 2,154,344 410,417 7,031,100 245,052 495,642 311,038 112,662 1,164,394 / () 233,260 (233,260) - - - / (130,611) - (176,217) (49,287) (356,115) 20111231 4,572,299 504,123 2,289,165 473,792 7,839,379 73,136 2,134,041 388,451 122,731 2,718,359 / () 225,632 (225,632) - - - 803 - - - 803 / (32,919) - (143,122) (33,781) (209,822) 20121231 4,838,951 2,412,532 2,534,494 562,742 10,348,719 201111 (952,556) - (1,146,601) (233,737) (2,332,894) (143,561) - (290,805) (55,461) (489,827) 39,958-165,347 45,524 250,829 20111231 (1,056,159) - (1,272,059) (243,674) (2,571,892) (157,535) - (335,652) (70,056) (563,243) 14,386-130,399 26,115 170,900 20121231 (1,199,308) - (1,477,312) (287,615) (2,964,235) (21) 201111 (276,145) - - - (276,145) - - - - - 5,813 - - - 5,813 20111231 (270,332) - - - (270,332) (240) - - - (240) 10,664 - - - 10,664 20121231 (259,908) - - - (259,908) 20121231 3,379,735 2,412,532 1,057,182 275,127 7,124,576 20111231 3,245,808 504,123 1,017,106 230,118 4,997,155 (i) 201212313.96(201112316.92) (ii) 20121231 2.60(201112312.70) (iii) 201212311.89(20111231 1.72) 154

18 201111 427,820 523,901 33,173 984,894 242 235,378 1,201 236,821 (11,383) (149) - (11,532) 20111231 416,679 759,130 34,374 1,210,183 5,041 223,393-228,434 - (345) - (345) 20121231 421,720 982,178 34,374 1,438,272 201111 (46,784) (293,042) (33,021) (372,847) (12,510) (90,611) (1,237) (104,358) 4,811 362-5,173 20111231 (54,483) (383,291) (34,258) (472,032) (13,752) (129,457) (36) (143,245) - 119-119 20121231 (68,235) (512,629) (34,294) (615,158) (21) 201111 (5,370) - - (5,370) - - - - 5,370 - - 5,370 20111231 - - - - - - - - - - - - 20121231 - - - - 20121231 353,485 469,549 80 823,114 20111231 362,196 375,839 116 738,151 20121231524(20111231605) 155

19 (1) 20121231 9,984,916 2,496,229 - - 2,496,229 93,384 23,346 (120,556) (30,139) (6,793) 69,592 17,398 - - 17,398 1,939,624 484,906 - - 484,906 1,524,960 381,240 - - 381,240 142,744 35,686 - - 35,686 13,755,220 3,438,805 (120,556) (30,139) 3,408,666 20111231 11,419,448 2,854,862 - - 2,854,862 (329,172) (82,293) (18,696) (4,674) (86,967) 68,764 17,191 - - 17,191 1,388,652 347,163 - - 347,163 1,756,536 439,134 - - 439,134 223,396 55,849 - - 55,849 14,527,624 3,631,906 (18,696) (4,674) 3,627,232 156

19 () (2) 2012-2,854,862 (358,633) - 2,496,229 - (86,967) (26,040) 106,214 (6,793) - 17,191 207-17,398-347,163 137,743-484,906-439,134 (57,894) - 381,240-55,849 (20,163) - 35,686 3,627,232 (324,780) 106,214 3,408,666 2011-2,598,685 256,177-2,854,862-98,842 (66,313) (119,496) (86,967) - 28,126 (10,935) - 17,191-102,573 244,590-347,163-282,279 156,855-439,134-33,729 22,120-55,849 3,144,234 602,494 (119,496) 3,627,232 3(9)2012123113.65(2011 12318.18) 3.41(20111231 2.04) 157

20 2012 1231 2011 1231 1,302,433 1,065,540-862,515 611,609-439,918 453,931 1,350,865 856,507 186,001 - (i) 161,123 167,247 78,368 36,317 65,546 909,186-5,413,192 660,181 509,790 3,804,517 8,957,779 21 (112,102) (161,248) 3,692,415 8,796,531 (i) 2012 1231 2011 1231 144,006 146,669 17,117 17,117-3,461 161,123 167,247 (24,328) (26,684) 136,795 140,563 201280(2011 ) 2012485(20119,532 ) 20121231 158

21 2012 7 (1,000) - - - - (1,000) 12 (16,718,163) (4,149,407) 2,843,705 91,044 2,444,100 (15,488,721) 17 (270,332) (240) - - 10,664 (259,908) 18 - - - - - - 20 (161,248) (56,952) 77,883-28,215 (112,102) (17,150,743) (4,206,599) 2,921,588 91,044 2,482,979 (15,861,731) 2011 7 (1,000) - - - - (1,000) 12 (15,386,721) (3,267,231) 778,580 110,728 1,046,481 (16,718,163) 17 (276,145) - - - 5,813 (270,332) 18 (5,370) - - - 5,370-20 (192,002) (71,737) 63,702-38,789 (161,248) (15,861,238) (3,338,968) 842,282 110,728 1,096,453 (17,150,743) 22 2012 1231 2011 1231-95,755,433 22,832,969-48,437,054 43,520,676 144,192,487 66,353,645-281,628 772,058 144,474,115 67,125,703 159

23 2012 1231 2011 1231-34,146,596 9,886,198 34,146,596 9,886,198 24 2012 1231 2011 1231-15,101,283 5,822,300-754,600 2,693,000-2,130,100 1,002,900-17,924,500 6,075,230-332,200 79,000 513,930 18,400 36,756,613 15,690,830 2012 1231 2011 1231-35,007,400 14,176,700-1,235,283 1,495,730-513,930 18,400 36,756,613 15,690,830 160

25 2012 1231 2011 1231-246,570,598 241,198,597-72,054,557 70,193,850 318,625,155 311,392,447 () - 454,592,684 362,556,309-81,626,499 67,356,020 536,219,183 429,912,329 1,321,697 1,233,169 856,166,035 742,537,945 (1) - 92,737,092 79,773,659-4,329,423 2,914,165-5,501,644 10,732,931-18,257,139 13,916,765 120,825,298 107,337,520 (2) 978,184 1,070,841 (3) 20121231421.48 26 2012 1,829,918 3,932,798 (4,221,033) 1,541,683 2,477 530,089 (527,778) 4,788 1,602 417,907 (417,825) 1,684 1,476 388,519 (376,283) 13,712 26,858 160,891 (165,167) 22,582-2,219 (2,219) - 123,380 1,378,456 (1,247,571) 254,265 1,985,711 6,810,879 (6,957,876) 1,838,714 161

26 () 2011 1,240,271 4,129,760 (3,540,113) 1,829,918 1,559 428,584 (427,666) 2,477 2,778 342,897 (344,073) 1,602 5,446 312,551 (316,521) 1,476 16,122 153,922 (143,186) 26,858-5,804 (5,804) - 66,110 1,059,070 (1,001,800) 123,380 1,332,286 6,432,588 (5,779,163) 1,985,711 (i) (ii) 8% 20121.68(20111.90) (iii) 27 2012 1231 2011 1231 749,035 1,898,877 37,083 44,959 764,521 673,083 49,649 45,713 36,023 31,962 13,809 11,510 1,650,120 2,706,104 162

28 2012 1231 2011 1231 9,688,550 7,382,095 784,892 496,073 230,845 228,962 86,771 11,224 50,298 26,084 35,736 8,605 10,877,092 8,153,043 29 2012 2011 58,545 84,254 4,323 21,167 (3,048) (36,623) (35,523) (10,253) 24,297 58,545 201212317.70(201112 319.26) 30 2012 1231 2011 1231 ((i)) 13,800,000 9,300,000 ((ii)) 700,000 700,000 14,500,000 10,000,000 (i) 200872516 6.3% 9.3% 163

30 () 200892327 5.85% 8.85% 2011628963020 5.79%6.30% 5.79%6.30% 2012122845 5.60% (ii) 20087257 200 3 31 2012 1231 2011 1231 756,659 355,322 574,613 617,216 147,260 527,595 116,784 131,369 55,473 12,061 53,078 33,713 26,404 1,588 ((i)) 14,357 15,062 9,451 766 5,964 5,995 3,989 3,584-5,413,192 433,197 637,571 2,197,229 7,755,034 (i) () 164

32 () 2011123120121231 15,402,397 15,402,397 33 2012 1231 2011 1231 11,550,819 11,550,819 ((i)) 82,552 474,604 ((ii)) (6,972) (412) 11,626,399 12,025,011 201111 11,550,819 236,378-11,787,197 - - 238,226 (412) 237,814 20111231 11,550,819 474,604 (412) 12,025,011 - - (392,052) (6,560) (398,612) 20121231 11,550,819 82,552 (6,972) 11,626,399 (i) (ii) () 3(3)(h)(9) 165

34 2012 2011 2,462,716 1,504,142 1,121,986 958,574 3,584,702 2,462,716 10% 50% 35 20121231 1.5%(20111231 1%) 36 (1) 201210% 20121231 50% (2) 2012(2011) (3) 201271 1% 20123 1.5% 201271 20121231( )1.5%201264.33(20113.64) 166

37 2012 2011 2,257,651 1,778,271 1,530,285 886,483 583,928 492,581 126,623 139,509 6,275,296 4,649,944 ((i)) - 25,868,786 23,396,296-10,717,617 8,359,463-1,912,148 672,232 ((ii)) 2,837,889 2,197,326 52,110,223 42,572,105 (5,706,216) (3,490,780) (511,704) (214,514) (947,442) (1,045,774) (19,745,299) (13,689,872) ((iii)) (603,484) (422,327) (27,514,145) (18,863,267) 24,596,078 23,708,838 (i) 2012 2011 170,723 182,194 170,723 182,194 (ii) (iii) 167

38 2012 2011 4,549,207 3,092,290 353,000 535,244 520,196 467,644 484,203 346,144 364,322 231,667 363,797 129,105 184,125 79,939 150,403 70,646 6,969,253 4,952,679 (816,747) (511,269) (111,363) (102,831) (67,458) (35,869) (100,845) (138,171) (1,096,413) (788,140) 5,872,840 4,164,539 39 / () 2012 2011-41,023 (22,380) - 8,489 (18,657) - - 39-79,467 (45,148) 3,634 4,182 / () 84 (2,342) 132,697 (84,306) 168

40 2012 2011 - - (10,948) - - 10,948 (15,071) 11,462 121,487 104,042 106,416 115,504 41 2012 2011 2,333,177 1,934,118 162,965 135,084 116,651 92,606-2 2,612,793 2,161,810 42 2012 2011 6,810,879 6,432,588-563,243 489,827-1,122,593 851,678-550,416 490,216 2,236,252 1,831,721 359,924 267,456 3,292,147 2,719,051 12,699,202 11,250,816 169

43 2012 2011 1,305,702 2,488,651 7,941 13,976 240 - (1,352) (16,384) (19,579) 24,419 1,292,952 2,510,662 44 2012 2011 49,104 40,001 13,104 101,750 38,201 221 2,400 2,400 140,118 57,108 242,927 201,480 45 2012 2011 8,705 9,807 (1,275) (15,456) 722 2,463 6,872 3,465 62,860 66,250 77,884 66,529 46 2012 2011-3,193,451 3,652,028-8,597 9,093 3,202,048 3,661,121 19 324,780 (602,494) (83,069) (262,813) 3,443,759 2,795,814 170

46 () 2012 2011 14,663,618 12,381,548 25% 3,665,905 3,095,387 (i) 173,499 148,425 (ii) (273,752) (133,807) (iii) 647 (2,947) (83,069) (262,813) (39,471) (48,431) 3,443,759 2,795,814 (i) (ii) (iii) 201225%(2011 24%) 47 2012 2011 - (373,459) 433,124 - (67,301) (124,965) - (55,503) 49,701 (496,263) 357,860 (8,563) (550) 2,003-104,211 (119,496) 860 835 (397,752) 238,649 171

48 (a) 2012 2011 11,219,859 9,585,734 1,292,952 2,510,662 923,167 757,283 (42,799) (32,594) (2,964,512) (2,336,835) () / (132,613) 81,964 () / (84) 2,342 (106,416) (115,504) () / (13,772) 49,041 603,484 422,327 / () 324,780 (602,494) (223,653,888) (117,232,681) 232,374,800 91,099,536 / () 19,824,958 (15,811,219) (b) 2012 2011 118,639,751 127,103,719 (127,103,719) (137,003,070) (8,463,968) (9,899,351) (c) 2012 1231 2011 1231 4,705,943 3,842,674 35,885,070 29,646,388-33,072,587 40,908,575-20,022,540 14,747,548-24,953,611 37,958,534 118,639,751 127,103,719 172

49 (1) 2012 1231 2011 1231 (1) 5,974,418 7,007,319 92,700,387 58,387,555 98,674,805 65,394,874 229,475,297 189,852,432 17,185,609 21,672,540 5,755,746 34,985,262 10,001,255 9,723,045 262,417,907 256,233,279 361,092,712 321,628,153 2012 1231 2011 1231 178,967,948 146,329,120 0%100% 173

49 () (2) 2012 1231 2011 1231 1 918,449 719,879 1 2 745,522 612,631 2 3 603,159 498,112 3 5 965,175 749,326 5 1,123,976 899,435 4,356,281 3,479,383 (3) 2012 1231 2011 1231 1,508,430 2,620,808 2,422,687 1,783,998 3,931,117 4,404,806 (4) 2012 1231 2011 1231 - - 174

49 () (5) 2012 1231 2011 1231 3,372,859 4,437,187 (6) 29 50 2012 1231 2011 1231 27,776,145 23,599,680 (27,776,145) (23,599,680) 175

51 (1) (24) 12 (a) 2012 1231 2011 1231 14,891,619 5,900,011 769,939 2,699,777 2,146,924 1,006,937 17,856,316 6,123,044 328,362 78,866 513,930 18,400 36,507,090 15,827,035 (b) 2012 1231 2011 1231 19,746,111 6,104,927 16,247,049 9,703,708 513,930 18,400 36,507,090 15,827,035 (2) 10 20121231 1,617 (20111231649) 176

52 (1) 5% CITIGROUP INC. 25.92 20.00% Michael E. O Neill 282.65 20.00% ( ) 160 20.00% 12 20.00% CITIGROUP INC. () () () () % % % % 201111 20111231 3,080,479,452 20 3,080,479,452 20 3,080,479,452 20 3,080,479,452 20 201211 20121231 3,080,479,452 20 3,080,479,452 20 3,080,479,452 20 3,080,479,452 20 52(3) 177

52 () (2) 16 52(3) (3) CITIGROUP INC. 2012-82,040 2,483 368-4,183 89,074 0.17% 15,567 960 6,819 - - - 23,346 0.33% (1,003,576) (79,049) (15,386) - (28) (412) (1,098,451) 3.99% (1,911) - - - - - (1,911) 0.17% (168,529) - (350) (11,560) (711,876) - (892,315) 7.03% CITIGROUP INC. 20121231 - - 662,966 582,844 - - 1,245,810 1.94% - - 50,000 - - - 50,000 0.19% - 200,877 - - - 120,000 320,877 0.05% - 11,207 1,060 - - 220 12,487 0.34% - - 16,246 26,199 - - 42,445 2.00% - - 500,000 - - - 500,000 0.28% - 2,931,000 - - - - 2,931,000 8.90% - - (85,452) - - - (85,452) 0.06% - - (2,000,000) - - - (2,000,000) 5.86% - - (21,964) (41,691) - - (63,655) 3.20% - - (50,000) - - - (50,000) 0.14% (22,200,748) (1,846,589) (769,144) - (12,480) (5,313) (24,834,274) 2.90% (411,708) (57,480) (10,511) - (1) (1) (479,701) 4.41% - - - (21,113) - - (21,113) 0.96% 178

52 () (3) () () CITIGROUP INC. 2011-80,312 6,033 28-5,276 91,649 0.22% 10,652 3,512 - - - - 14,164 0.29% (830,165) (75,557) (52,939) - (25) (532) (959,218) 5.09% (4,549) - - - - - (4,549) 0.58% (190,110) - (3,486) (11,560) (530,887) - (736,043) 6.54% CITIGROUP INC. 20111231 - - 10,157 345,763 - - 355,920 0.78% - 40,000 23,750 - - 90,000 153,750 0.03% - 94 59 - - 158 311 0.01% - - 10,371 23,674 - - 34,045 8.63% - 1,600,000 - - - - 1,600,000 5.18% - - (5,000,000) - - - (5,000,000) 50.58% - - (7,359) (33,762) - - (41,121) 10.92% - - (2,090,000) - - - (2,090,000) 13.32% (19,500,566) (1,612,389) (547,537) - (9,272) (60,371) (21,730,135) 2.93% (427,666) (41,542) (8,786) - - (9) (478,003) 5.86% - - - (23,799) - - (23,799) 0.31% 5% () 179

52 () (4) 2012 2011 () () 0.25 0.23 2012 2012 20112012 20122011 52(3) / (4) (5) 53 2012 1.68(2011 1.90) 180

53 () / / (1) 2012 9,622,921 7,642,928 7,330,229 24,596,078 / () 5,535,722 (127,026) (5,408,696) - 15,158,643 7,515,902 1,921,533 24,596,078 1,169,476 4,175,923 527,441 5,872,840 - - 132,697 132,697 - - 106,416 106,416 - - 371,944 371,944 6,765 4,217 13,658 24,640 16,334,884 11,696,042 3,073,689 31,104,615 (1,540,019) (872,731) (200,043) (2,612,793) (5,707,474) (6,485,699) (506,029) (12,699,202) (143,651) (1,164,591) 15,290 (1,292,952) (619) (247) (227) (1,093) (7,391,763) (8,523,268) (691,009) (16,606,040) 8,943,121 3,172,774 2,382,680 14,498,575 149,196 59,632 34,099 242,927 (46,517) (18,615) (12,752) (77,884) 9,045,800 3,213,791 2,404,027 14,663,618 437,722,046 163,165,743 567,262,074 1,168,149,863 (721,515,216) (153,229,059) (229,877,501) (1,104,621,776) 268,392,325 92,700,387-361,092,712 345,458 128,569 449,140 923,167 1,279,415 476,916 1,658,047 3,414,378 181

53 () (1) () 2011 11,118,046 6,504,669 6,086,123 23,708,838 / () 4,640,136 (255,251) (4,384,885) - 15,758,182 6,249,418 1,701,238 23,708,838 1,165,095 2,774,700 224,744 4,164,539 - - (84,306) (84,306) - - 115,504 115,504 - - 243,147 243,147 2,949 3,997 18,111 25,057 16,926,226 9,028,115 2,218,438 28,172,779 (1,390,484) (678,143) (93,183) (2,161,810) (5,598,083) (5,081,815) (570,918) (11,250,816) (1,304,357) (1,160,461) (45,844) (2,510,662) (1,329) (610) (955) (2,894) (8,294,253) (6,921,029) (710,900) (15,926,182) 8,631,973 2,107,086 1,507,538 12,246,597 75,358 67,003 59,119 201,480 (30,930) (23,121) (12,478) (66,529) 8,676,401 2,150,968 1,554,179 12,381,548 393,335,251 138,079,824 387,566,744 918,981,819 (632,907,961) (139,117,106) (94,250,772) (866,275,839) 263,240,598 58,387,555-321,628,153 323,471 113,603 320,209 757,283 739,844 259,721 728,996 1,728,561 182

53 () (2) 33 - - - - - - 183

53 () (2) () 2012 4,188,325 3,872,642 675,959 2,055,700 13,794,881 8,571 24,596,078 / () 934,025 3,872,019 3,142,137 967,272 (8,987,610) 72,157-5,122,350 7,744,661 3,818,096 3,022,972 4,807,271 80,728 24,596,078 453,830 614,824 354,959 362,426 4,059,232 27,569 5,872,840 - - - - 132,633 64 132,697 / () 3,623 38,758 5,918 (1,103) 59,171 49 106,416 / () 76,063 190,181 83,463 13,903 (2,041) 10,375 371,944 200 18,434 1,627 868 3,504 7 24,640 5,656,066 8,606,858 4,264,063 3,399,066 9,059,770 118,792 31,104,615 (551,649) (694,065) (406,044) (290,351) (670,684) - (2,612,793) (2,156,976) (3,698,123) (2,027,616) (1,312,949) (3,439,802) (63,736) (12,699,202) (2,175,987) (580,557) (410,401) 26,713 1,843,277 4,003 (1,292,952) (4) (304) (449) (219) (117) - (1,093) (4,884,616) (4,973,049) (2,844,510) (1,576,806) (2,267,326) (59,733) (16,606,040) 771,450 3,633,809 1,419,553 1,822,260 6,792,444 59,059 14,498,575 9,956 142,782 8,075 21,237 60,590 287 242,927 (9,359) (28,657) (3,614) (5,901) (30,301) (52) (77,884) 772,047 3,747,934 1,424,014 1,837,596 6,822,733 59,294 14,663,618 20121231 249,270,092 376,718,813 255,254,221 147,946,522 480,407,467 9,785,527 1,519,382,642 (351,232,779) 1,168,149,863 (248,522,117) (374,394,468) (253,864,433) (146,124,312) (423,357,053) (9,592,172) (1,455,854,555) 351,232,779 (1,104,621,776) 94,210,562 64,152,225 49,452,251 59,617,823 92,700,785 959,066 361,092,712 120,750 279,908 142,897 74,374 298,803 6,435 923,167 796,625 1,099,056 230,674 486,175 790,694 11,154 3,414,378 184

53 () (2) () 2011 3,632,825 4,358,675 2,295,057 2,430,710 10,900,339 91,232 23,708,838 / () 1,321,399 3,391,232 1,609,980 542,022 (6,873,731) 9,098-4,954,224 7,749,907 3,905,037 2,972,732 4,026,608 100,330 23,708,838 367,180 583,223 243,157 263,493 2,681,073 26,413 4,164,539 - - - - (83,755) (551) (84,306) 11,458 12,873 12,657 1,170 77,346-115,504 / () 60,321 180,669 75,557 15,995 (87,172) (2,223) 243,147 1 18,506 2,612 873 3,058 7 25,057 5,393,184 8,545,178 4,239,020 3,254,263 6,617,158 123,976 28,172,779 (482,939) (584,895) (361,280) (252,726) (479,970) - (2,161,810) (1,919,452) (3,353,177) (1,666,225) (1,112,730) (3,142,863) (56,369) (11,250,816) (194,276) (347,288) 4,894 (100,421) (1,873,536) (35) (2,510,662) (382) (442) (212) (138) (721) (999) (2,894) (2,597,049) (4,285,802) (2,022,823) (1,466,015) (5,497,090) (57,403) (15,926,182) 2,796,135 4,259,376 2,216,197 1,788,248 1,120,068 66,573 12,246,597 4,041 127,915 13,652 10,457 44,778 637 201,480 (27,073) (4,779) 2,118 (5,616) (31,120) (59) (66,529) 2,773,103 4,382,512 2,231,967 1,793,089 1,133,726 67,151 12,381,548 20111231 216,585,933 321,988,187 194,270,588 106,720,290 344,956,010 5,588,210 1,190,109,218 (271,127,399) 918,981,819 (212,370,535) (315,706,883) (190,975,626) (104,109,029) (308,868,096) (5,373,069) (1,137,403,238) 271,127,399 (866,275,839) 103,258,962 57,227,359 45,120,718 56,552,269 58,408,370 1,060,475 321,628,153 90,155 251,198 115,950 56,029 240,516 3,435 757,283 384,459 307,312 203,285 109,342 724,163-1,728,561 185

54 186

54 () (1) - - - - - - - 187

54 () (1) () - ( ) 188

54 () (1) () (a) 2012 1231 2011 1231 176,070,182 146,101,332 64,121,338 45,358,675 26,235,311 18,711,998 6,446,558 2,293,364 2,121,621 394,458 177,482,650 93,391,188 3,625,776 2,879,241 600,260,789 523,444,906 52,227,437 31,786,504 32,935,919 30,890,846 6,678,444 1,565,453 2,080,860 6,634,847 1,150,286,885 903,452,812 98,674,805 65,394,874 262,417,907 256,233,279 361,092,712 321,628,153 1,511,379,597 1,225,080,965 189

54 () (1) () (b) 20121231 / (i) (ii) 7,625,016 1,000-60,714 96,637 (4,816,580) (1,000) - (60,714) (87,775) 2,808,436 - - - 8,862 1,486,069 - - - - (1,418,048) - - - - 68,021 - - - - 3 10,379,155 - - - - 3 6 137,304 - - - - 6 1 47,050 - - - - 10,563,509 - - - - 3 (1,355,968) - - - - 3 6 (17,372) - - - - 6 1 (5,953) - - - - (1,379,293) - - - - 9,184,216 - - - - 596,074,916 90,356,649 177,482,650 98,288,358 7,819,395 (7,874,800) - - - - 588,200,116 90,356,649 177,482,650 98,288,358 7,819,395 600,260,789 90,356,649 177,482,650 98,288,358 7,828,257 190

54 () (1) () (b) () 20111231 / (i) (ii) 6,047,080 1,000-60,335 853,089 (4,125,570) (1,000) - (52,774) (71,872) 1,921,510 - - 7,561 781,217 1,183,770 - - - 216,371 (1,133,666) - - - (62,692) 50,104 - - - 153,679 3 6,133,883 - - - - 3 6 13,428 - - - - 6 1 281 - - - - 6,147,592 - - - - 3 (1,173,741) - - - - 3 6 (2,569) - - - - 6 1 (54) - - - - (1,176,364) - - - - 4,971,228 - - - - 526,784,627 64,070,673 93,391,188 66,528,606 8,973,650 (10,282,563) - - - - 516,502,064 64,070,673 93,391,188 66,528,606 8,973,650 523,444,906 64,070,673 93,391,188 66,536,167 9,908,546 191

54 () (1) () (b) () (i) () (ii) () (c) 2012 1231 2011 1231 60,714 60,335 (60,714) (52,774) - 7,561 AA-AA+ 19,081 20,055 A-A+ 138,452 157,000 A- 29,347 29,829 186,880 206,884 AAA 31,353,965 61,397,651 AA-AA+ 56,932,199 759,216 A-A+ 2,854,413 3,878,032 91,140,577 66,034,899 1,710,686 286,823 93,038,143 66,528,606 93,038,143 66,536,167 192

54 () (2) () (a) (i) (ii) (iii) (iv) (v) 193

54 () (2) () (a) () (i) (ii) (iii) 2012 1231 2011 1231 () +100 454,760 492,839-100 (454,760) (492,839) 2012 1231 2011 1231 () +100 (1,153,489) (454,608) -100 1,230,449 475,372 (i) (ii) (iii) 194

54 () (2) () (a) () ( ) 20121231 ((i)) 3 31 15 5 1.53% 5,559,850 175,216,275 - - - 180,776,125 3.56% - 57,563,869 32,792,780 - - 90,356,649 4.94% - 111,622,944 65,830,043 29,663-177,482,650 6.83% - 272,601,121 327,659,668 - - 600,260,789 ((ii)) 3.78% 187,282 10,920,519 11,477,536 43,397,447 32,492,856 98,475,640 20,798,010 - - - - 20,798,010 26,545,142 627,924,728 437,760,027 43,427,110 32,492,856 1,168,149,863 4.52% - (140,103,753) (38,516,958) - - (178,620,711) 3.82% - (36,756,613) - - - (36,756,613) 2.69% (1,321,697) (491,721,975) (199,635,966) (159,296,413) (4,189,984) (856,166,035) 5.98% - - (700,000) (9,300,000) (4,500,000) (14,500,000) (18,578,417) - - - - (18,578,417) (19,900,114) (668,582,341) (238,852,924) (168,596,413) (8,689,984) (1,104,621,776) 6,645,028 (40,657,613) 198,907,103 (125,169,303) 23,802,872 63,528,087 195

54 () (2) () (a) () 20111231 ((i)) 3 31 15 5 1.52% 4,333,294 145,610,712 - - - 149,944,006 3.89% - 57,788,511 5,282,162 1,000,000-64,070,673 5.46% - 59,839,065 33,442,763 109,360-93,391,188 6.43% - 227,644,227 295,800,679 - - 523,444,906 ((ii)) 3.52% 160,353 4,308,701 14,131,113 37,077,157 11,019,196 66,696,520 16,021,334 4,292,323 1,120,869 - - 21,434,526 20,514,981 499,483,539 349,777,586 38,186,517 11,019,196 918,981,819 4.53% - (35,543,709) (35,387,226) (6,080,966) - (77,011,901) 4.57% - (15,690,830) - - - (15,690,830) 2.13% (1,233,169) (454,751,211) (163,135,041) (116,668,706) (6,749,818) (742,537,945) 6.01% - - (700,000) (9,300,000) - (10,000,000) (15,621,973) (4,292,323) (1,120,867) - - (21,035,163) (16,855,142) (510,278,073) (200,343,134) (132,049,672) (6,749,818) (866,275,839) 3,659,839 (10,794,534) 149,434,452 (93,863,155) 4,269,378 52,705,980 (i) / / (ii) (b) () () 196

54 () (2) () (b) () 2012 1231 2011 1231 1% (139,997) 933 1% 139,997 (933) 2012 1231 2011 1231 1% 2,306 1,160 1% (2,306) (1,160) (i) ()100 (ii) (iii) 197

54 () (2) () (b) () 20121231 179,224,766 1,010,086 252,749 288,524 180,776,125 68,419,026 19,589,697 1,192,377 1,155,549 90,356,649 177,482,650 - - - 177,482,650 577,921,251 19,487,441 2,181,435 670,662 600,260,789 98,191,001 284,639 - - 98,475,640 20,242,573 469,732 14,256 71,449 20,798,010 1,121,481,267 40,841,595 3,640,817 2,186,184 1,168,149,863 (143,473,278) (30,764,629) (429,360) (3,953,444) (178,620,711) (36,756,613) - - - (36,756,613) (826,233,186) (22,121,370) (5,736,777) (2,074,702) (856,166,035) (14,500,000) - - - (14,500,000) (18,015,386) (417,348) (113,264) (32,419) (18,578,417) (1,038,978,463) (53,303,347) (6,279,401) (6,060,565) (1,104,621,776) 82,502,804 (12,461,752) (2,638,584) (3,874,381) 63,528,087 30,182,511 30,708,594 2,121,137 6,659,298 69,671,540 (28,524,204) (37,435,992) (727,259) (2,892,943) (69,580,398) 1,658,307 (6,727,398) 1,393,878 3,766,355 91,142 198