2845 www.feib.com.tw mops.twse.com.tw
Annual Report 2014 Sincerity Diligence Thrift Prudence Innovation
5 14 14 16 16 18 35 52 52 52 53 10 58 59 60 60 65 72 72 72 72 73 73 74 74 84 87 88 89 90 90 2
91 5 91 5 98 103 107 103 108 103 108 108 109 109 110 110 110 111 112 121 121 122 122 125 125 125 125 125 ( ) 126 3
4
103 104 103 Bank3.0 103 103 36.95 102 20.69%103 GDR (EPS) 1.31 102 5.65% (ROA) 0.73% (ROE) 11.33% 10% 0.39% 371.93% Bank3.0 TSM OTA Cavalia 104 12 E M O2O Big Data 40% Happy Go 5
6
103 104 103 ( ) 103 610 102 9.52%103 102 10.5% ( ) 1. 103 1,824 102 3.33% 5.73% 2. 103 148.8 102 4.99% 639 ( ) 103 1,437 102 12.88% 19.85% 30.91% 29.13% 35.37% 14.35% ( ) 103 102 28.59% 254.47% 96.20% TMU 59.48% 16.94% ( ) 103 5,213 101.05% ( )4,241 100.11% 3,239 95.56% ( ) 103 105.71 102 14.21% 53.76 102 10.05% 51.95 102 18.87% 103 36.95 102 20.69%103 40.76 3.65 1.31 102 5.65% 7
8
(Fitch Ratings) A(twn) F1(twn) BBB- F3 / FE DirectE & M 103 TSM OTA OTP E M ( ) 32 ( ) 103 3.0 15% 103 104 9
10
104 104 ( ) 5,510 ( ) 4,429 ( ) 3,654 ( ) FE DirectE M OTP (TDR) ( ) 1. E M Big Data Cross Sales Bundle Sales 2. HAPPY GO HAPPY GO Cest Moi SOGO etag HAPPY GO etag happycash E M ( ) 11
12
E-commerce Corporate Finance ( ) TMU 13
81 1 11 78 1 19 5 14 100 10 80 8 1 12 9 9 3 11 4 9 4 11 84 11 87 11 92 7 1 1 88 95 97 97 98 AIG 100 ING 14
99 FE Direct 4 19 5 100 iphone Android e M 102 FETP 101 101 103 56 15
16 6 ( )
( ) 1. ATM 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 17
( ) 1. 104 5 15 ( ) ( ) (%) ( ) (%) ( ) (%) ( ) 101.6.27 84.5.19 3 7,639,107 *12,857 0.3606 *0.0006 8,822,877 *14,848 0.3083 *0.0005 0 *0 0 *0 0 *0 ( ) 101.6.27 80.12.09 3 4,765,686 0.2249 5,504,185 0.1923 0 0 0 ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) 101.6.27 80.12.09 3 43,585,568 *1,264,369 2.0573 *0.0597 50,339,676 *1,460,296 1.7590 *0.0510 0 *0 0 *0 ( ) 0 ( ) *0 ( ) ( ) ( ) 101.6.27 92.5.29 3 43,585,568 *0 2.0573 *0 50,339,676 *0 1.7590 *0 0 *0 0 *0 0 *0 ( ) ( ) ( ) ( ) ( ) 101.6.27 86.5.21 3 17,465,812 *3,667,459 0.8244 *0.1731 20,172,349 *4,806,294 0.7049 *0.1679 0 *5,425 0 *0.0002 0 *0 ( ) ( ) ( ) 18
( ) ( ) (%) ( ) (%) ( ) (%) ( ) 101.6.27 92.5.29 3 58,915,143 *792,636 2.7809 *0.0374 68,044,753 *1,399,004 2.3777 *0.0489 0 *0 0 *0 ( ) 0 *0 ( ) ( ) ( ) ( ) ( ) 101.6.27 89.5.21 3 58,915,143 *0 2.7809 *0 68,044,753 *0 2.3777 *0 0 *0 0 *0 0 *0 ( ) 101.6.27 98.6.27 3 0 0 0 0 0 0 0 ( ) ( ) ( ) ( ) ( ) ( ) 101.6.27 99.1.19 3 0 0 0 0 0 0 0 ( ) ( ) ( ) 19
( ) 101.6.27 95.6.27 101.6.27 89.5.21 3 3 ( ) 65,553,900 *0 65,553,900 *0 (%) 3.0943 *0 3.0943 *0 ( ) 75,712,265 *0 75,712,265 *0 (%) 2.6456 *0 2.6456 *0 ( ) 0 *0 0 *0 (%) 0 *0 0 *0 ( ) 0 *0 ( ) 0 *0 ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) 101.6.27 95.6.27 3 2,193,793 *0 0.1036 *0 2,533,746 *0 0.0885 *0 0 *0 0 *0 0 *0 ( ) * 20
104 5 15 (%) (26.95) (25.36) (15.66) (13.20) (4.61) (3.89) (3.89) (2.59) (2.31) (1.53) (9.28) (9.17) (7.20) (6.70) (5.61) (4.06) (4.01) (3.75) (3.13) (1.92) (41.86) (38.76) (19.38) (22.33) (5.40) (4.49) (2.31) (1.81) (1.49) (1.41) (1.41) (1.33) (1.29) (23.77) (4.81) (3.60) (2.99) (2.74) (2.33) (2.31) (2.10) (1.65) (1.55) (100.00) 21
104 5 15 (%) (99.87) (0.03) (73.54) ( ) (26.46) (100.00) (100.00) (100.00) (41.86) (38.76) (19.38) (83.81) (16.03) (37.13) (35.50) (14.50) (12.86) (0.00) (0.00) (66.66) (33.34) (47.00) (45.50) (5.00) (1.00) (1.00) (0.50) (99.40) (0.30) (0.30) (23.77) (4.81) (3.60) (2.99) (2.74) (2.33) (2.31) (2.10) (1.65) (1.55) (22.33) (5.40) (4.49) (2.31) (1.81) (1.49) (1.41) (1.41) (1.33) (1.29) (100.00) (100.00) (83.11) (7.52) (3.25) (0.88) (0.28) (0.15) (0.11) (0.05) (0.05) (0.05) (0.05) (100.00) (29.92) (25.02) (18.96) (17.66) (6.50) (1.84) (0.10) (100.00) (26.95) (25.36) (15.66) (13.20) (4.61) (3.89) (3.89) (2.59) (2.31) (1.53) (68.18) ( ) (31.82) (16.80) (5.56) (4.68) (2.75) (2.19) (2.02) (1.44) (1.41) (1.38) (1.25) (100.00) (9.74%) (4.64%) (3.24%) (2.41%) (2.35) (1.97%) (1.83%) (1.79%) T (1.59%) ( ) (1.38%) (99.99) (0.00) 22
2. 1 2 3 4 5 6 7 8 9 10 0 0 0 2 0 0 1 3 1 0 2 0 (1) (2) ( 50% ) (3) 1% 10 (4) 3 (5) 5% 5 (6) 5% (7) (8) (9) 30 (10) 27 23
( ) 104 5 15 ( ) (%) (%) ( ) 85.06.17 4,806,294 0.1679 5,425 0.0002 0 ( ) ( ) ( ) 93.03.03 1,399,004 0.0489 0 0 0 ( ) ( ) ( ) ( ) ( ) ( ) 103.08.21 2,004,170 0.0700 0 0 0 103.08.21 372,746 0.0130 1,152,360 0.0403 0 97.07.21 477,381 0.0167 0 0 0 102.03.20 458,285 0.0160 0 0 0 KPMG 102.03.20 484,194 0.0169 0 0 0 ( ) ( ) ( ) 103.03.11 0 0 0 0 0 104.03.20 84,733 0.0030 0 0 0 98.04.15 119,910 0.0042 0 0 ( ) 0 ( ) 99.03.16 409,797 0.0143 0 0 0 ( ) 99.03.16 234,938 0.0082 0 0 0 ( ) ( ) ( ) 24
( ) (%) (%) ( ) 99.10.01 50,923 0.0018 0 0 0 ( ) 101.03.27 197,083 0.0069 0 0 0 101.03.27 188,307 0.0066 0 0 0 102.08.15 589,636 0.0206 0 0 0 103.08.21 108,058 0.0038 0 0 0 103.12.26 0 0 0 0 0 102.04.22 18,890 0.0007 0 0 0 95.10.19 219,342 0.0077 0 0 0 ( ) 95.10.19 185,321 0.0065 0 0 0 95.10.19 211,486 0.0074 0 0 0 ( ) 96.12.19 64,206 0.0022 0 0 0 Belize Bank 99.05.17 57,261 0.0020 0 0 0 100.06.15 321,301 0.0112 0 0 0 100.06.15 70,173 0.0025 17,192 0.0006 0 101.03.27 180,547 0.0063 0 0 0 25
( ) (%) (%) ( ) 101.08.23 243,507 0.0085 0 0 0 101.09.17 49,178 0.0017 0 0 0 ( ) 101.12.21 707 0.0000 0 0 0 101.12.21 354,064 0.0124 0 0 0 101.12.21 404,473 0.0141 0 0 0 101.12.21 108,431 0.0038 0 0 0 102.08.15 38,540 0.0013 0 0 0 102.08.15 141,830 0.0050 0 0 0 102.08.15 182,704 0.0064 0 0 0 102.08.15 253,379 0.0089 0 0 0 102.10.14 1,615 0.0001 0 0 0 103.01.01 0 0 0 0 0 103.08.21 414,797 0.0145 175,372 0.0061 0 103.08.21 113,809 0.0040 0 0 0 103.08.21 166,640 0.0058 1,142 0.0000 0 103.08.21 163,566 0.0057 0 0 0 103.08.21 191,365 0.0067 0 0 0 103.08.21 387,301 0.0135 0 0 0 99.03.01 49,918 0.0017 0 0 0 ( ) ( ) ( ) 99.03.16 516,450 0.0180 39,649 0.0014 0 26
( ) (%) (%) ( ) 100.06.15 157,520 0.0055 0 0 0 101.03.27 25,347 0.0009 0 0 0 101.12.21 85,423 0.0030 0 0 0 103.08.21 78,290 0.0027 0 0 0 103.11.17 52,138 0.0018 0 0 0 94.03.08 145,305 0.0051 0 0 0 94.03.08 103,639 0.0036 0 0 0 94.03.08 89,708 0.0031 0 0 0 94.09.01 53,885 0.0019 0 0 0 94.12.21 75,666 0.0026 0 0 0 95.04.01 152,107 0.0053 0 0 0 96.12.19 58,276 0.0020 0 0 0 97.04.01 48,330 0.0017 0 0 0 98.04.20 71,911 0.0025 39,327 0.0014 0 98.04.20 59,706 0.0021 0 0 0 99.04.03 71,079 0.0025 0 0 0 99.04.03 51,823 0.0018 0 0 0 99.04.03 170,436 0.0060 0 0 0 99.04.03 30,662 0.0011 0 0 0 99.04.03 32 0.0000 0 0 0 99.04.03 36,359 0.0013 0 0 0 ( ) 99.04.12 0 0 0 0 0 100.01.01 15,814 0.0006 0 0 0 100.06.16 0 0 0 0 0 ( ) 27
( ) (%) (%) ( ) 100.06.16 21,313 0.0007 0 0 0 100.06.16 2,504 0.0001 0 0 0 ( ) 100.06.21 40,330 0.0014 0 0 0 ( ) 100.07.01 17,107 0.0006 0 0 0 100.07.12 18,488 0.0006 0 0 0 101.01.01 27,660 0.0010 0 0 0 101.08.01 1,298 0.0000 0 0 0 102.01.01 65,779 0.0023 0 0 0 102.01.01 433,076 0.0151 0 0 0 ( ) 102.01.01 10,343 0.0004 0 0 0 ( ) ( ) 102.01.01 17,814 0.0006 0 0 0 102.01.01 25,022 0.0009 0 0 0 102.01.01 33,519 0.0012 0 0 0 102.01.21 8,495 0.0003 0 0 0 102.11.01 0 0 0 0 0 102.11.01 31,660 0.0011 0 0 0 103.01.01 0 0 0 0 0 103.01.01 0 0 0 0 0 103.01.22 0 0 0 0 0 28
( ) (%) (%) ( ) 104.01.01 0 0 0 0 0 104.01.01 98,332 0.0034 15,910 0.0006 0 ( ) 104.01.01 0 0 0 0 0 104.01.01 0 0 0 0 0 ( ) 104.03.20 172 0.0000 0 0 0 104.03.20 50,451 0.0018 0 0 0 104.03.20 22,696 0.0008 16,571 0.0006 0 104.04.01 69,526 0.0024 73,285 0.0026 0 104.04.01 0 0 32,176 0.0011 0 104.04.01 8,294 0.0003 0 0 0 ( ) 29
( ) 1. ( ) 103 12 31 (A) (B) AB C D (C)( 1) (D) (%) (E) (F) (G)( 2) (H) AB CD EF G (%) ( ) 970,000 ( ) ( ) 52,080,077 ( ( ) 5,400,000 5,484,000 - - 36,596,444 36,596,444 360,000 438,000 1.15 1.15 ( ) ( ) $1,612,800 $2,495,122) 52,080,077 ( $1,612,800 $2,495,122) - - - 5,463,909-5,463,909 - - - - 2.70 2.71 665,000 30
103 12 31 2,000,000 2,000,000 5,000,000 (A+B+C+D) (A+B+C+D+E+F+G) 5,000,000 10,000,000 ( ) ( ) 10,000,000 15,000,000 - - - - 15,000,000 30,000,000 - - 30,000,000 50,000,000 - - - - 50,000,000 100,000,000 - - - - 100,000,000 - - - - 9 9 9 9 1 2 2. 103 12 31 (A) (B) (C) ( ) (D) ABC D 360,000 388,000 - - 6,599,492 6,599,492 180,000 180,000 0.19 0.19 31
103 12 31 (A+B+C+D) 2,000,000 2,000,000 ( ) 5,000,000 ( ) - - 5,000,000 ( ) 10,000,000 ( ) 10,000,000 ( ) 15,000,000 ( ) - - 15,000,000 ( ) 30,000,000 ( ) - - 30,000,000 ( ) 50,000,000 ( ) - - 50,000,000 ( ) 100,000,000 ( ) - - 100,000,000 ( ) - - 3 3 : 3. 103 12 31 (A) (B) (C) (D) ABC D 665,000 (103.8.21 ) $45,256,843 $45,256,843 (103.8.21 ) ( : ( : $30,439,159 $30,439,159 $7,208,061 $7,208,061 - $14,022,455 - $14,022,455 2.62 2.64 - - - (104.4.1 ) $2,832,200 $4,102,552) $2,832,200 $4,102,552) (103.3.16 ) (103.3.11 ) * 32
103 12 31 2,000,000-2,000,000 5,000,000 5,000,000 10,000,000 10,000,000 15,000,000 15,000,000 30,000,000 30,000,000 50,000,000-50,000,000 100,000,000-100,000,000-10 10 103.3.16 103.3.11 104.4.1 E 4. 104 5 15 104 5 15 24 29 36,746,525-36,746,525 0.99% * 33
( ) 1. :% 102 103 1.05 1.06 1.15 1.15 0.19 0.19 0.19 0.19 2.72 2.73 2.62 2.64 3.96 3.98 3.96 3.99 2. (1) (2) 34
( ) 103 5 ( ) ( ) ( ) 5 0 100% - 5 0 100% - ( ) 5 0 100% - ( ) 5 0 100% - ( ) 5 0 100% - ( ) 5 0 100% - ( ) 3 0 60% - 4 1 80% - 5 0 100% - ( ) 5 0 100% - ( ) 4 0 80% - ( ) 5 0 100% - 14 3 103 103 / Settlement ( ) 96.12.19 6 8 97.3.18 6 9 100.3.21 7 10 101.12.21 8 3 103.8.21 8 14 ( ) 99.9.16 ( ) 99.5.27 7 7 100.3.21 7 10 ( ) 14 100.8.5 35
( ) 1. 104 6 2. 103 5 ( ) ( ) 5 100% - 4 80% - ( ) 5 100% - ( ) 100.3.21 7 10 103.3.4 8 11 1 102 103.4.28 103.5.14 ( ) http://www.feib.com.tw/ http://mops.twse.com.tw/ 36
( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) 100.8.5 103.5.14 103 104 6 104 37
( ) 87 89 112 99.11.16 150 643,636 300 / / / 38
101.6.27 101.6.27 101.6.27 101.6.27 101.6.27 101.6.27 101.6.27 101.6.27 101.6.27 101.6.27 101.6.27 101.6.27 101.11.14 101.11.14 3 102.10.25 102.10.25 3 103.09.09 103.09.09 101.12.20 101.12.20 3 102.12.20 102.12.20 3 103.12.22 103.12.22 CSR 3 101.12.20 101.12.20 3 102.12.20 102.12.20 3 103.12.22 103.12.22 CSR 3 101.07.13 101.7.13 3 101.12.20 101.12.20 3 102.11.28 102.11.28 9 3 103.12.22 103.12.22 CSR 3 101.12.20 101.12.20 3 102.12.20 102.12.20 3 103.12.22 103.12.22 CSR 3 101.12.20 101.12.20 3 102.12.20 102.12.20 3 103.12.22 103.12.22 CSR 3 101.10.23 101.10.23 3 102.12.23 102.12.23 3 103.10.08 103.10.08 3 101.12.20 101.12.20 3 102.08.20 102.8.20 3 103.11.20 103.11.20 10 3 101.05.18 101.5.18 3 103.12.22 103.12.22 CSR 3 101.12.20 101.12.20 3 102.12.13 102.12.13 3 103.12.22 103.12.22 CSR 3 101.08.21 101.8.21 3 102.05.27 102.5.27 102 3 103.06.16 103.06.16 3 101.12.25 101.12.25 102.12.24 102.12.24 103.12.22 103.12.22 CSR 3 3 3 3 39
85.06.17 103.12.22 103.12.22 CSR 3 93.03.03 103.12.22 103.12.22 CSR 3 103.03.11 103.06.09 103.06.10 14 103.06.26 103.06.26 103 2 3 103.08.21 103.08.11 103.08.12 103.09.25 103.09.25 IFRS IASB 103 3 12 6.5 103.12.17 103.12.17 103 4 6.5 40
( ) 1. 1 2 1 2 3 4 5 6 7 8 3 3 1 103.3.20 103.5.14 1 2 (1) (2) (3) (4) (5) (6) (7) (8) 30 3 6 5 2. (1) (2) 41
3. (1) 3 (2) 101 6 27 104 6 26 3 (A) (B) (%) (B/A) 2 1 66% 3 0 100% 0 0 0% 103.3.20 3 0 100% 103.5.14 ( ) ( ) 103.3.4 ( ) 103.7.15 ( ) 1. <=5 2. 2.0 3. 20 15 42
( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) 104 103 ( ) ( E ) 1. 103 102 272,308 CO2 142,145KG 2.22% (1) 97 (2) 26 C~28 C (3) OA 2. 103 102 2,967 3.75% (1) (2) 3. (1) 103 25.69% ( ) E 103 42,000 43
( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) 2008 OTC on-the-job training (Circulate) (VISA/ MasterCard/JCB) EMV 60 97 103 ( / ) 44
87 ( ) ( ) ( ) ( ) 45
( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) 46
( ) 1. 2. 3. 4. 5. 6. 7. ( ) ( ) 47
( ) 1. 103 1 1 103 12 31 ( ) ( ) ( ) ( ) 104 1 6 48
2. ( ) 1. 2. 3. 102 3 27 61 1 1 a. b. c. d. e. 4. 5. 49
( ) 103 1. 103 103.6.24 1. 102 2. 102 3. 4. 5. 6. 7. 1. 102 2. 102 103 9 10 3. 103 7 18 1030026505 103 8 18 10301171180 103 9 10 4. 5. 103 7 21 10301139520 6. 7. 8 16 104 50
2. 8 11 103.3.4 102 102 102 100 103 6 24 103 103 4 18 103 4 28 8 12 103.5.14 103 8 13 103.7.15 102 8 14 103.8.21 103 ( ) 8 15 103.11.4 103 8 16 104.3.20 104 103 103 103 100 104 6 16 104 104 4 10 104 4 20 ( ) 51
( ) 103 ( ) ( ) 96/4/25 103/03/16 ( ) 1/4 5,770-185 - 8,680 8,865 (GDR) ( ) ( ) 15% 52
103 ( ) ( ) *379,124 638 103 104 4 30 - - - - 236,518 - - - ( ) ( ) ( ) ( ) ( ) *2,163,127 62,749 *2,163,127 - *866,818 409,899 *2,923,925 225,206 *2,923,925 - - - - - - - - - ( ) ( ) ( ) *3,253,402 - *3,253,402 - *108,876-409,899 - - - 225,206 - - - 251,209 - - - (960,017) - - - 109,038 - - - 108,218 - - - 71,052 - - - 40,113 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 53
103 104 4 30 48,615 - - - 71,280 - - - 57,801 - - - 18,867 - - - 32,877 - (20,000) - 51,024 - - - 58,687 - - - 56,251 - - - 18,890 - - - 32,831 - - - 23,084 - - - 19,616 - - - (143,801) - - - 25,238 - - - 19,786 - - - 5,163 - - - 46,681 - - - 29,052 - - - 49,178 - - - (802) - - - 48,465 - - - 49,973 - - - 47,725 - - - 23,856 - - - 32,319 - - - 41,395 - - - 30,877 - - - 69 - - - 26,770-281,793-40,381 - - - 20,051 - - - 54
103 104 4 30 37,247 - - - 36,024 - - - 46,084 - - - (9,485) - (9,000) - 28,063 - - - 16,341 - - - 17,049 - - - 14,306 - - - 14,849 - - - 25,841 - - - 6,244 - - - 14,657 - - - 11,099 - - - 14,784 - - - 10,975 - - - 13,707 - - - 15,541 - - - 7,712 - - - 9,723 - - - 15,505 - - - 11,024 - - - 9,331 - - - 14,329 - - - 8,521 - - - (160) - - - 9,674 - - - (7) - - - 14,991 - - - 10,595 - - - (12,720) - - - 20,158 - - - 55
103 104 4 30 7,041 - - - 9,573 - - - 18,745 - - - 10,298 - (9,000) - 15,822 - - - 28,181 - - - 10,343 - - - 7,715 - - - 6,762 - - - 10,030 - - - 8,495 - - - 14,642 - - - 15,185 - - - 11,011 - - - 294,491 - - - 866,818 - - - 818,998 - - - 841,014 - - - 359,381 - - - 24,170 - - - 30 - - - 11 - - - 111,979 - - - 384,432-75,000-2,923,925 - - - 5,009,799 - - - 1,089,348 - - - 2,163,127 - - - 23,092 - - - 23,092 - - - 23,092 - - - 56
103 104 4 30 23,092 - - - 23,093 - - - 11 - - - 24,753 - - - 3,992,915 - - - 27,558 - - - 74,420 - - - 6,160,580 - - - 2,921,820 - - - 5,456,081 - - - 4,840,230 - - - 108,876 - - - 2,089,401 - - - 3,288,942 - - - 1,030,348 - - - 3,253,402 - - - 173,548 - - - 791,447 - - - 4,426,111 - - - 309,609 - - - 131,103 - - - 5,009,197 - - - 222,459 - - - * ( ) ( ) 57
% 104 5 15 ( ) 143,367,263 5.01% - - - - ( ) ( ) (2) (2) - - ( ) 126,972,371 4.44% - - - - ( ) (3) - ( ) 116,586,636 4.07% - - - - ( ) ( ) ( ) (2) (1) (3) (1) - - - ( ) 116,572,610 4.07% - - - - ( ) ( ) ( ) (2) (2) (3) (1) - - - ( ) 112,640,472 3.94% - - - - ( ) (3) - ( ) 103,003,215 3.60% - - - - ( ) ( ) ( ) (1) (2) (3) (1) (3) - - - ( ) 92,921,982 3.25% - - - - ( ) ( ) (2) (1) - - ( ) 76,539,331 2.67% - - - - ( ) ( ) (2) (1) - - ( ) 75,712,265 2.65% - - - - ( ) ( ) ( ) ( ) (1) (3) (1) (1) (1) (2) (3) (2) (2) - - - - - - ( ) 68,044,753 2.38% - - - - ( ) ( ) ( ) ( ) ( ) ( ) ( ) (1) (1) (1) (2) (3) (1) (2) (3) (2) (2) - - - - - - - (1) (2) (3) 58
% 103 12 31 ( ) 300,000 10.00% - - 300,000 10.00% ( ) 5,118,750 1.1375% - - 5,118,750 1.1375% ( ) 95,492,515 22.06% 31,200 0.01% 95,523,715 22.07% ( ) 2,237,896 1.76% - - 2,237,896 1.76% ( ) 3,000,000 100.00% - - 3,000,000 100.00% ( ) 350,000 100.00% - - 350,000 100.00% ( ) 12,000,000 40.00% - - 12,000,000 40.00% ( ) 80,000 0.40% - - 80,000 0.40% ( ) 120,000,000 100.00% - - 120,000,000 100.00% ( ) 207,304 3.46% - - 207,304 3.46% ( ) 20,000,000 100.00% - - 20,000,000 100.00% ( ) 7,485,000 4.99% - - 7,485,000 4.99% 59
( ) 1. : 104 5 15 ( ) 81 10 1,000,000,000 10,000 1,000,000,000 10,000 80.8.1 84 10 10 25,000,000 250 25,000,000 250 84.9.4(84) ( ) 85 7 10 29,750,000 297 28,700,000 1,050,000 287 10 85.7.6(85) ( ) 86 8 15 10 87 8 12.5 10 10 10 135,250,000 1,353 99,170,000 34,806,750 1,273,250 211,023,500 2,110 150,000,000 41,650,000 1,523,500 17,850,000 88 7 10 78,696,500 787 44,832,752 1,640,208 26,619,446 5,604,094 89 7 10 10 10 45,095,400 451 19,236,360 703,800 22,195,800 2,959,440 992 348 13 1,500 416 15 179 448 17 266 56 192 7 222 30 86.7.25(86) ( ) 86.7.30(86) ( ) 87.7.21(87) ( ) 88.6.23(88) ( ) 89.6.30(89) ( ) 92 7 10 475,184,600 4,752 92.7.28 93 8 10 10 10,407,594 (26,579,000) 104 (266) 93.8.23 94 3 10 78,056,834 781 94.3.29 94 6 10 47,914,226 479 94.6.14 94 7 10 102,854,595 6,707,909 1,029 67 94.6.9 94 8 10 4,958,329 50 94.9.13 94 11 10 37,038,723 370 94.11.14 95 3 10 5,075,280 51 95.4.14 95 9 10 64,094,041 4,180,047 641 42 95.7.31 18,312,584 183 96 3 10 215,969 2 96.4.13 60
( ) 96 6 10 500,000,000 5,000 96.7.4 96 6 10 647,907 6 96.7.19 96 12 10 1,079,849 11 97.1.4 97 6 10 1,000,000,000 10,000 97.6.27 97 12 6.5 ( ) 461,538,000 4,615 98.1.17 98 6 10 1,000,000,000 10,000 98.6.26 98 6 10 (407,520,824) (4,075) 98.6.30 99 7 10 67,489,532 5,861,971 675 59 99.7.30 100 7 10 103,368,172 8,043,315 1,034 80 100.7.27 101 8 10 113,131,129 10,568,089 1,131 106 101.8.24 102 7 10 110,543,402 9,315,191 1,105 93 102.7.31 103 1 11.25 365,000,000 3,650 102.11.26 103.1.23 103 7 10 122,447,610 1,224 12,260,455 123 4,500,000,000 45,000 2,861,826,329 28,618 6.5 2. 103.7.18 104 5 15 2,861,826,329 1,638,173,671 4,500,000,000 ( ) 104 5 15 3 18 215 68,336 167 68,739 ( ) 16,906,765 65,558,742 1,492,042,567 1,011,864,560 275,453,695 2,861,826,329 (%) 0.59 2.29 52.14 35.36 9.62 100.00 61
( ) 1. 10 104 5 15 ( ) (%) 1 999 26,027 7,046,925 0.25% 1,000 5,000 20,112 44,449,686 1.55% 5,001 10,000 7,010 48,345,470 1.69% 10,001 15,000 5,305 64,114,909 2.24% 15,001 20,000 2,454 41,028,131 1.43% 20,001 30,000 2,426 57,928,382 2.02% 30,001 50,000 1,847 70,062,916 2.45% 50,001 100,000 1,644 113,029,877 3.95% 100,001 200,000 980 131,446,265 4.59% 200,001 400,000 478 131,506,814 4.60% 400,001 600,000 179 88,147,508 3.08% 600,001 800,000 70 48,167,230 1.68% 800,001 1,000,000 41 36,825,292 1.29% 1,000,001 166 1,979,726,924 69.18% 68,739 2,861,826,329 100.00% 2. ( ) 104 5 15 ( ) (%) 143,367,263 5.01% 126,972,371 4.44% 116,586,636 4.07% 116,572,610 4.07% 112,640,472 3.94% 103,003,215 3.60% 92,921,982 3.25% 76,539,331 2.67% 75,712,265 2.65% 68,044,753 2.38% 10 62
( ) 2 102 103 104 5 15 13.00 12.50 11.50 11.50 9.93 10.25 ( 2 ) 12.14 10.99 10.88 12.26 12.67 12.99( 6) 11.38 ( 1) ( 1) 2,355,173 2,826,157 2,861,826( 6) 1.30 1.31 0.38( 6) 1.24 ( 1) ( 1) 0.25 0.40-0.449 0.537 - - - - - - - ( 3) 9.32 8.25 - ( 4) 48.44 27.03 - %( 5) 2.06 3.70-1 104 2 3 4 5 102 103 12.11 10.81 6 104 3 31 ( ) 1. (1) (2) (3) 63
2. 0.400 0.537 53.7 0.937 ( ) 104 ( ) 28,618,263 0.4000 0.0537 - ( ) ( ) " " ( ) " " ( ) " ( ) " " " " " " " 104 89 2 1 (89) ( ) 00371 ( ) 1. (1) (2) (3) 2. 64
30% 6% 2% 3. (1) ( ) 0 174,882,474 58,294,158 (2) 174,882,474 4.52% (3) 1.30 4. (1) ( ) 0 12,260,455 10.14 124,321,022 41,440,341 (2) ( ) 103 104 : 103 210 ( 30 180 ) 1.5 ( ) 65
94 4 97 1 94.6.23 ( ) 0940015249 97.4.30 ( ) 09700159540 94.8.26 97.6.17 2.30% A 3.90% B 90 CP+1.00% 10 104.8.26 7 104.6.17 15,867,008 18,797,803 18,895,813 18,819,476 143.47% 170.07% Fitch97.6.16A-(twn) 66
99 1 99 2 98.11.30 09800553880 99.9.9 09900355890 99.5.18 99.9.29 2.98% 2.10% 7 106.5.18 7 106.9.29 19,337,974 19,337,974 20,569,524 20,569,524 Fitch99.4.30A-(twn) 70.87% 80.59% Fitch99.9.27A(twn) 67
100 1 101 1 100.9.1 10000304630 101.5.25 10100164700 100.11.10 101.6.27 1.95% 1.75% 7 107.11.10 7 108.6.27 20,071,489 21,185,604 22,305,324 24,124,738 Fitch100.10.26A-(twn) 89.62% 94.92% Fitch101.6.27A-(twn) 68
102 102 1 101.09.11 1010036130 101.10.09 1010044835 102.01.10 1010060416 102.5.8 10200123360 102.02.07 102.11.6 200,000 150,000,000 0% 2.10% 5 107.02.07 7 109.11.6 101.89% 150,000,000 22,422,596 22,422,596 26,085,624 26,085,624 69
(1) 30 30 20 ( ) ( ) 130% (2) 90% (3) = 0.375% (1) (2) 41 10 (3) 14.09 ( ) 104.78% 104.78% Fitch102.01.31BBB- Fitch102.11.6BBB+(twn) 70
103 1 103.4.23 10300105790 103.12.23 2.05% 7 110.12.23 23,621,182 32,347,065 78.62% Fitch103.12.23BBB+(twn) 71
103 1 28 103 1 28 135,050,000 7.4 18,250,000 104/3/31 18,284,932 365,698,644 Citi Bank N.A. ( ) 786,809 ( 104 3 ) 7.499 103 104 5 15 6.451 6.911 7.486 6.439 6.855 72
( ) ( ) 5 1. 99 4 3 19 2. ( ) ( ) ( ) (BIS) ( ) 103.4.23 40 2 103.12.23 11 ( 1) 103.3.4 1 73
( ) 1. (1) 103 ( ) 102 9.5%103 102 10.5% 103 102 45% (2) 103 102 3.3 % 5.7% 103 149 102 5% 639 102 (3) ( ) 103 103 102 13 % 103 103 102 20% 103 14% 16% 14% (4) / (FX Margin Trading) 74
e 24 102 10 FETP 102 RP A-( ) 102 134 103 300 Risk Premium 2. 103 102 103 21% 20% 13% 25% 27% 1% 16% 18% -4% 18% 18% 14% 20% 17% 29% ( ) 1. (1) ( ) (2) (3) VIP 75
6,000 ATM ATM (4) One Bank Big Data Product Holdings e 2. Bank3.0 e&m Big Data (Bundle Sales) VIP (1) e&m 76
e&m e (2) HAPPY GO HAPPY GO HAPPY GO etag e&m e&m HAPPY GO e&m 3. (1) (2) (3) E-commerce (4) Corporate Finance (5) (6) 4. (1) FED 77
(2) TMU IndividualCorporate Institutional FETP (3) TMU (4) ( ) 1. 2014 2015 IMF 3.5% 3.3% 2014 11 QE3 2015 QE 2015 2015 GDP 3.5%CPI 0.91% 78
2015 e&m 2015 3 2015 HAPPY GO e&m 2. (1) 3.0 104 (2) 79
TDR F TDR ( ) (3) M e Corporate Financing (SD) ( ) 80
( ) 1. 2 (1) TDR Portfolio Management (MCI) 102 HAPPY GO 102 HG APP_ i e 102 MasterCard incontrol 102 10 103 ( USD/ CNH) (USD/ZAR) (2) 103 104 102 101 103 103 ( ) (3) TDR 103 41.23% 45% 2. 2 2 : 103 102 444,182 262,842 81
3. Bank 3.0 e M (100% ) (100% ) (100% ) (100% ) (100% ) (100% ) (100% ) ( ) 22,752 104 12 143,312 104 12 69,970 104 12 29,309 104 12 64,836 104 12 54,663 104 12 59,340 104 12 ( ) 1. (1) Corporate Finance (2) (3) (4) e & M ( i ) e (5) NFC HAPPY GO (6) / /3C/ (7) VIP 82
(8) 104 (9) Asset Swap (10) / / (11) TMUACH Cross Selling 2. (1) (2) / Cash Management (3) (4) (5) (6) TMU (7) Asset Swap (8) (9) (10) HAPPY GO 83
( ) 2 102 103 104 5 15 104 5 15 542 573 573 1,241 1,259 1,241 681 678 669 17 18 20 2,481 2,528 2,503 37.03 37.38 37.68 8.08 8.32 8.58 15.84% 17.37% 17.18% 62.19% 62.58% 63.12% 19.91% 18.07% 17.78% 2.02% 1.94% 1.88% 0.04% 0.04% 0.04% 1,545 1,529 1,517 1,320 1,285 1,275 1,306 1,277 1,249 1,136 1,122 1,105 570 555 545 745 729 712 390 418 418 567 560 560 27 26 26 320 311 309 258 247 247 ( ) 124 126 126 158 163 168 158 166 167 5 3 3 468 447 443 Certied Financial Planner (CFP) 9 13 13 Chartered Financial Analyst (CFA) 3 1 1 ( ) 2 2 2 ( ) 1 1 1 ( ) 1 1 1 ( ) 0 1 1 3,196 3,361 3,349 12,309 12,344 12,238 84
( ) 103 12 31 5 3 52 ( ) 2 62 ( ) 3 101 13,115 25,331 745 2,412 1,564 429 15,528 26,895 1,174 102 12,562 23,534 882 3,915 1,451 465 16,477 24,985 1,347 103 10,727 26,365 1,295 2,039 1,161 451 12,766 27,526 1,746 1 12 496 TTQS 2 102 1 E-Learning 103 168 23,227 753 431 838 416 (TMC) 945 916 1,746 170,145 48,870 168 40,626 ( ) 104 1. 2. (MA, Management Associate) 85
3. ( ) 1. 2. (1) (2) (3) 3. 4. 5. 6. 7. 8. 86
( ) ( ) 1. 86 103 3,987 6,545 APP 6 APP 102 4 103 106,470 2. 103 2014 3. ( ) 1. 103 103 12 103 2. & 103 9 3. 103 3 15,323 48 ( ) e 87
e ATM 103 4 103 25.69% ( ) 1. 96 921 60 60 104 2. SOGO Cavalia ( ) ( ) ( ) Unisys Libra 750 MCP IBM AS/400 OS/400 IBM RS/6000 AIX IBM Mainframe OS/390 IBM RS/6000 AIX IBM RS/6000 AIX IBM RS/6000 Windows (CB) Windows AIX Windows Windows 88
( ) 1. / Cash Management operational bank 2. 3. 4. 5. 6. NFC 7. 8. 9. ( ) 1. BSI ISO 27001 2. 3. 4. (personal information management system) 103 9 BSI BS 100122009 ( ) 1. 2. 3. 4. 5. 6. 7. 8. 89
9. 10. 11. ( ) 1. 2. 55 ( ) 1. 2. 3. 4. 5. ( ) IBM Unisys 104 5 15 104.4.1~105.3.31 103.8.1~104.7.31 103.1.1~104.12.31 104.1.1~104.12.31 104.1.1~104.12.31 90
5 ( ) 1 101 102 103 104 3 31 4 88,415,159 93,224,900 86,210,099 79,382,719 16,110,835 18,795,444 25,944,211 23,788,603 11,865,864 21,735,693 30,518,170 38,967,398 180,242 111,034 40,439 26,064 23,741,992 23,006,325 14,385,710 15,907,850-20,781,015 20,671,269 19,664,258 18,896,122 167 1,003 26,785 27,156 - - - - - - 280,219,426 292,517,032 319,176,466 333,835,271 2,224,301 3,105,972 3,991,084 3,303,232-2,368,548 2,365,826 1,592,014 1,618,152 - - - - - 13,773,339 11,226,390 14,811,608 15,040,496-2 2,879,693 2,814,164 2,785,884 2,804,603 - - - - - - 1,868,048 1,830,904 1,801,534 1,795,163-928,575 579,514 826,343 800,440 226,072 206,250 165,375 206,541 465,583,276 492,191,720 521,939,980 536,399,810 11,674,958 13,782,129 11,496,870 14,328,786 - - - - 3,745,032 7,288,065 11,055,294 11,402,974 12,819 12,631 5,204 5,003-1,299,471 4,391,451 8,502,194 5,560,371 13,502,992 5,596,002 5,839,576 113,131 10,870 243,366 325,510 - - - - 391,933,266 398,305,940 423,242,417 429,298,138 23,072,123 27,103,885 25,479,749 25,445,647 - - - - 1,908,070 761,020 2,874,070 2,576,629 697,845 754,125 762,276 991,498 91
1 101 102 103 104 3 31 4 - - - - 432,374 417,508 530,549 498,704 439,149,989 463,238,636 485,677,248 499,214,659 ( 3) 439,665,709 463,920,415 - - 26,433,287 28,953,084 36,262,732 37,185,151 22,422,596 23,621,182 28,618,263 28,618,263 ( 3) 23,528,030 24,845,658 - - 22,348 34,923 462,400 462,400 4,153,012 5,595,176 7,384,364 8,276,912 ( 3) 2,531,858 3,688,921 - - (164,669) (298,197) (202,295) (172,424) - - - - - - - - 26,433,287 28,953,084 36,262,732 37,185,151 ( 3) 25,917,567 28,271,305 - - 1 2 3 4104 92
1 101 102 103 88,328,449 93,177,326 86,143,744 16,110,835 18,795,444 25,430,620 11,865,864 21,735,693 30,518,170 180,242 111,034 40,439 23,741,992 23,006,325 14,385,710-19,959,548 20,465,440 18,738,407 - - 25,651 - - - - - 280,219,426 292,517,032 319,176,466 2,223,302 3,105,972 3,991,084-2,796,761 2,661,857 2,609,533 - - - - 13,687,365 11,139,563 14,724,568-2 2,872,607 2,809,277 2,781,602 - - - - - 1,868,048 1,830,904 1,801,534-928,575 576,972 822,423 176,878 172,847 154,888 464,959,892 492,105,686 521,344,839 11,674,958 13,782,129 11,496,870 - - - 3,745,032 7,288,065 11,055,294 12,819 12,631 5,204-1,299,471 4,391,451 5,496,351 13,443,426 5,537,456 75,457 5,277 225,465 - - - 392,441,861 398,665,473 423,765,479 23,072,123 27,103,885 25,479,749 - - - 908,005 396,054 1,844,152 697,845 754,125 762,276 - - - 402,154 402,066 518,711 438,526,605 463,152,602 485,082,107 ( 3) 439,042,325 463,834,381-26,433,287 28,953,084 36,262,732 93
1 101 102 103 22,422,596 23,621,182 28,618,263 ( 3) 23,528,030 24,845,658-22,348 34,923 462,400 4,153,012 5,595,176 7,384,364 ( 3) 2,531,858 3,688,921 - (164,669) (298,197) (202,295) - - - - - - 26,433,287 28,953,084 36,262,732 ( 3) 25,917,567 28,271,305-1 2 3 94
- ( 1) 99 100 107,186,195 92,546,064 16,724,890 13,806,866-850,505 16,855,460 15,674,659-236,351,285 269,460,381-18,657,547 20,095,497 2,788,161 3,926,306 2,598,677 2,795,235 2-2,873,876 2,931,980 1,942,335 1,905,193 10,342,119 12,094,839 1,249,306 1,200,811 417,569,851 437,288,336 18,093,079 11,785,731 348,171,265 370,373,644 6,445,235 4,081,035-213,870 16,789,596 20,230,280 - - 407,511 408,397 146,259 610,106 4,709,795 4,930,895 394,762,740 412,633,958 ( 3) 395,264,527 413,163,598 20,071,489 21,185,604 ( 3) 21,105,171 22,316,915 9,302 29,008 2,567,030 3,409,346 ( 3) 1,031,561 1,748,395 148,026 17,658 11,264 12,762 - - 22,807,111 24,654,378 ( 3) 22,305,324 24,124,738 1 2 3 95
( ) 1 101 102 103 104 3 31 2 9,644,265 11,263,921 12,253,408 3,054,586 : 5,499,120 6,379,554 6,873,872 1,639,761 4,145,145 4,884,367 5,379,536 1,414,825 4,398,815 4,653,695 5,497,412 1,290,453 8,543,960 9,538,062 10,876,948 2,705,278 ( ) (221,693) (18,171) 70,318 (120,496) 5,850,696 5,993,126 6,510,496 1,579,930 2,914,957 3,563,107 4,296,134 1,245,844 ( ) (364,192) (501,837) (601,611) (168,446) 2,550,765 3,061,270 3,694,523 1,077,398 - - - - 2,550,765 3,061,270 3,694,523 1,077,398 ( ) (188,134) (132,848) 96,822 29,871 2,362,631 2,928,422 3,791,345 1,107,269 2,550,765 3,061,270 3,694,523 1,077,398 - - - - 2,362,631 2,928,422 3,791,345 1,107,269 - - - - 1.05 1.24 1.31 0.38 1 2104 96
( 1) 101 102 103 9,605,071 11,263,165 12,251,873 : 5,488,916 6,378,340 6,876,102 4,116,155 4,884,825 5,375,771 4,093,932 4,370,379 5,194,981 8,210,087 9,255,204 10,570,752 ( ) (221,603) (18,093) 70,361 5,578,698 5,746,736 6,240,793 2,852,992 3,526,561 4,259,598 ( ) (302,227) (465,291) (565,075) 2,550,765 3,061,270 3,694,523 - - - 2,550,765 3,061,270 3,694,523 ( ) (188,134) (132,848) 96,822 2,362,631 2,928,422 3,791,345 2,550,765 3,061,270 3,694,523 - - - 2,362,631 2,928,422 3,791,345 - - - 1.05 1.24 1.31 1 - ( 1) 99 100 3,992,928 3,889,547 4,575,217 4,628,180 675,225 834,461 4,888,793 5,218,971 3,004,127 2,464,295 2,196,378 2,373,231 - - - - - - 2,196,378 2,373,231 ( ) 1.10 1.12 ( ) 0.90 0.97 1 97
5 ( ) (KPI) 1 101 102 103 3 104 3 31 2 72.42 74.51 76.54 78.87 0.464 0.367 0.395 0.368 0.96 0.86 0.84 0.87 2.65 2.95 3.00 2.84 0.02 0.02 0.02 0.02 ( ) 3,361 3,761 4,204 1,029 ( ) 1,008 1,207 1,428 410 % 11.83 13.72 14.45 14.76 0.56 0.64 0.73 0.81 10.02 11.05 11.33 11.74 29.98 32.10 33.97 39.83 ( 5) 1.15 1.30 1.31 0.38 1.09 1.24 - - 94.30 94.09 93.02 93.03 10.89 9.72 7.68 7.54 6.09 5.72 6.04 8.89 15.51 22.24 20.57 7.80 79.13 6.28 - - 2,132.66 1,263.15 - - 5,877.97 4,504.59 - - 31.10 33.29 31.10 30.14 ( ) 7,405,998 5,924,468 7,144,352 7,065,032 2.50 1.91 2.11 1.99 1.13 1.09 1.06 1.08 1.01 1.02 1.15 1.15 1.29 1.25 1.23 1.23 1.20 1.20 1.22 1.26 ( 20% ) 1. 2. 98
3 1 101 102 103 72.32 74.45 76.45 0.464 0.367 0.395 0.96 0.86 0.84 2.65 2.95 3.00 0.02 0.02 0.02 ( ) 3,369 3,817 4,261 ( ) 1,051 1,262 1,489 % 11.88 13.88 14.58 0.57 0.64 0.73 10.02 11.05 11.33 31.21 33.08 34.95 ( 5) 1.15 1.30 1.31 1.09 1.24-94.30 94.09 93.01 10.87 9.70 7.67 6.23 5.84 5.94 15.77 23.61 20.79 84.83 2.77-2,189.54 1,225.96-1,984.48 213.71-31.10 33.29 31.10 ( ) 7,405,998 5,924,468 7,144,352 2.50 1.91 2.11 1.13 1.09 1.06 1.01 1.02 1.15 1.29 1.25 1.23 1.20 1.20 1.22 ( 20% ) 1. 2. (KPI) 1 2104 3 1. (1) (2) (3) (4) 99
100 (5) (6) ( 7 ) (7) 2. (1) = (2) (3) (4) (5) ( ) 5 3. (1) (2) 4. (1) =( ) (2) = 5. 8 (1) (2) (3) 6. 7. (1) 6 (2) (3) (4) 4 5 1. 2. 3. 4. 5. 6 7 8 1. 2. 3. 4. 9104/3/31
2-1 99 100 68.93 74.04 0.501 0.223 0.66 0.87 2.22 2.32 0.02 0.02 ( ) 3,886 3,608 ( ) 996 1,005 % 14.88 11.18 0.55 0.56 10.08 10.00 25.63 27.86 ( 4) 1.10 1.12 0.94 1.02 94.53 94.35 12.60 11.89 11.14 4.72 337.75 (17.97) 7.59 22.55 535.39 309.75 17.46 16.39 38.37 31.32 ( ) 6,802,272 8,345,038 2.72 2.94 1.11 1.10 1.00 1.03 1.19 1.24 1.10 1.18 (KPI) 1 2 1. (1) (2) (3) (4) (5) (6) ( 6) (7) 2. (1) = (2) (3) 101
102 (4) (5) ( ) 4 3. (1) (2) 4. (1) =( ) (2) = 5. 7 (1) (2) (3) 6. 7. (1) 5 (2) (3) (4) 3 4 1. 2. 3. 4. 5. 5 6 7 1. 2. 3. 4.
( ) 102 103 26,238,006 33,243,204 - - 13,676,786 14,018,501 39,914,792 47,261,705 291,547,743 324,818,191 317,180 12,714,700 14,223,250 / 10,309,788 19,804,188 314,572,231 359,162,809 12.69% 13.16% 8.34% 9.26% 8.34% 9.26% 4.68% 5.58% ( 20%) 1. 2. (1) (2) 12.5 (3) (4) ( + ) (5) (6) = / 103
102 103 104 3 31 ( 1) 25,690,005 32,736,013 33,835,639 - - - 13,123,625 13,504,626 12,445,845 38,813,630 46,240,639 46,281,484 288,008,208 323,785,850 330,980,318 317,180 314,010 13,241,600 14,442,463 16,573,250 / 10,309,788 19,759,250 21,329,425 311,559,596 358,304,743 369,197,003 12.46% 12.91% 12.54% 8.25% 9.14% 9.16% 8.25% 9.14% 9.16% 4.58% 5.50% 5.62% ( 20%) 1. 2. 3. (1) (2) 12.5 (3) (4) ( + ) (5) (6) = / 104
99 100 101 20,071,490 21,185,604 22,422,596 9,301 29,008 31,650 372,276 1,030,702 1,742,672 4,554 4,554 2,194,754 2,374,090 2,564,542-114,544-217,701-241,549 822,305 855,219 812,113 21,710,972 23,551,038 25,712,352 45% 123,225 111,655 34,596 1,697,066 2,290,984 1,267,784 9,337,480 10,940,000 11,260,000 822,304 855,219 812,114 10,335,467 12,487,420 11,750,266 32,046,439 36,038,458 37,462,618 219,361,512 251,995,348 272,198,189 12,061,975 11,458,613 11,876,975 / 8,526,963 16,750,238 10,578,788 239,950,450 280,204,199 294,653,952 13.36% 12.86% 12.71% 9.05% 8.40% 8.72% 4.31% 4.46% 3.99% - - - 1. (1) (2) 12.5 (3) (4) (5) (6) (7) 105
99 100 101 20,071,490 21,185,604 22,422,596 9,301 29,008 31,650 372,276 1,030,702 1,742,672 4,554 4,554 2,194,754 2,374,090 2,564,542-114,544-217,701-241,549 1,352,028 1,485,271 1,402,402 21,181,249 22,920,986 25,122,063 45% 123,225 111,655 34,596 1,691,414 2,285,658 1,262,547 9,337,480 10,940,000 11,260,000 1,352,028 1,485,270 1,402,401 9,800,091 11,852,043 11,154,742 30,981,340 34,773,029 36,276,805 214,289,186 246,909,957 268,086,022 12,306,063 11,744,788 12,326,475 / 8,526,963 16,750,238 10,578,788 235,122,212 275,404,983 290,991,285 13.18% 12.63% 12.47% 9.01% 8.32% 8.63% 4.17% 4.31% 3.84% - - - 4.81% 4.84% 4.82% 106
103 107
103 234 336 103 131 231 108
103 102 12 31 12 31 86,143,744 93,177,326 (7,033,582) ( 8 ) 25,430,620 18,795,444 6,635,176 35 30,518,170 21,735,693 8,782,477 40 319,176,466 292,517,032 26,659,434 9 18,738,407 20,465,440 (1,727,033) ( 8 ) 33,141,801 37,362,894 (4,221,093) ( 11 ) 8,195,631 8,051,857 143,774 2 521,344,839 492,105,686 29,239,153 6 423,765,479 398,665,473 25,100,006 6 61,316,628 64,487,129 (3,170,501) ( 5 ) 485,082,107 463,152,602 21,929,505 5 28,618,263 23,621,182 4,997,081 21 462,400 34,923 427,477 1224 7,384,364 5,595,176 1,789,188 32 (202,295) (298,197) 95,902 32 36,262,732 28,953,084 7,309,648 25 ( 20% 10,000 ) 1. 44 16 2. 58 31 3. 36.5 4. 4.3 5. 8.7 1.2 6.3 6. 109
103 102 $ 5,375,771 $ 4,884,825 $ 490,946 10 5,194,981 4,370,379 824,602 19 10,570,752 9,255,204 1,315,548 14 ( ) 70,361 (18,093) 88,454 489 6,240,793 5,746,736 494,057 9 4,259,598 3,526,561 733,037 21 565,075 465,291 99,784 21 $ 3,694,523 $ 3,061,270 $ 633,253 21 1. ( 20% 10,000 ) (1) (2) (3) 2. 75 ( ) 103 102 ( ) ( ) - 2.77 - ( ) - 1225.96 - ( ) - 213.71 - ( 20% 10,000 ) ( ) (A) (B) (C) (A) (B) (C) 3,613,301 6,113,698 (9,296,003) 430,996 - - 110
1 ( ) 1. 2. 1 ( ) 1. 103 97 NTD5,953 102 NTD6,355 NTD190,276 102 NTD8,949 103 2. 1 104 103 104 (1) (2) (3) (4) (5) ( ) 1. 2. 1 (1) NPL
(2) (3) ( ) 1. (1) ( ) ( ) (2) (3) 2. (1) (2) (3) ( ) A. B. / / (4) 112
( ) 1. 103 1. 2. ( ) ( ) 1. 2. 3. (1) (2) ( ) 1. 2. 3. / / 113
3. 4. 5. ( ) 1. 2. ( ) ( ) ( ) ( ) 104 03 31 88,415,110 4,013 16,853,143 269,650 56,992,775 1,004,278 179,490,536 12,957,923 65,930,517 3,979,458 139,638,361 7,344,644 943,585 230,701 9,379,948 425,678 557,643,975 26,216,345 114
2. 103 1. 2. 3. 4. 5. 6. (1) (2) ( ) (3) (4) (5) 7. 8. (ECAI) 9. ( ) 115
104 03 31 (1) (2) (3) (4) (5)= (1)+(3) (6)= (2)+(4) 628,020 25,121 628,020 25,121 628,020 25,121 628,020 25,121 628,020 25,121 628,020 25,121 1. ( ) ( ) 2. 3. 104 3 31 628,020 - - 628,020 ( ) 3 China Real Estate Asset 2014/ Mortgages 3/28 Ltd. ( ) 2016/ 12/17 Libor(3M) +2.5% Moody s: A3 (3 ) 628,020 - - 628,020 20% 2013/11 10.85 116
( ) ( ) 3. 103 1. 2. 3. 4. 5. KYC( KnowYourCustomer) (ISO27001) 104 03 31 101 7,359,726 102 8,981,301 103 10,176,166 26,517,193 1,325,860 117
4. 103 1. 2. 3. 4. 5. 80%~125% 104 03 31 1,188,468 64,450 450,848 2,588 1,706,354 5. 118
104 3 31 : 0 10 11 30 31 90 91 180 181 1 1 563,163,646 93,031,530 82,036,068 63,729,668 36,293,407 54,591,350 233,481,623 662,615,369 43,019,192 69,835,465 129,662,748 141,548,145 144,778,633 133,771,186 (99,451,723) 50,012,338 12,200,603 (65,933,080) (105,254,738) (90,187,283) 99,710,437 104 3 31 : 0 30 31 90 91 180 181 1 1 7,023,548 2,113,682 1,522,010 1,267,547 1,116,095 1,004,214 7,233,566 3,077,883 1,477,162 1,052,025 1,097,707 528,789 (210,018) (964,201) 44,848 215,522 18,388 475,425 ( ) 1. 103 103.12.31 2. 103.08.08 e 3. 103.11.12 104 8 12 119
4. 103.07.31 10300198830 30% 50% 5. 103.07.31 10300198830 / / 6. e ( ) (CB) ( ) ( ) 1. 2. 3. ( ) 1. (1) (2) one stop service 2. 120
(1) (2) 3. (1) (2) ( ) 1. 2. 103 ( ) ( ) 1% ( ) ( ) ( ) ( ) ( ) ( ) 121
( ) 100.00 100.00 100.00 100.00 ( ) 88.07.21 189 6 3 92.03.03 189 6 3 93.01.29 267 4 1 97.06.26 7 51 30,000 3,500 1,200,000 200,000 122
( ) 103 12 31 3,000,000 100.00 3,000,000 100.00 3,000,000 100.00 3,000,000 100.00 3,000,000 100.00 3,000,000 100.00 - - 350,000 100.00 350,000 100.00 350,000 100.00 350,000 100.00 350,000 100.00 350,000 100.00 - - 120,000,000 100.00 120,000,000 100.00 120,000,000 100.00 120,000,000 100.00 120,000,000 100.00 120,000,000 100.00 123
120,000,000 100.00 120,000,000 100.00 120,000,000 100.00 20,000,000 100.00 20,000,000 100.00 20,000,000 100.00 20,000,000 100.00 20,000,000 100.00 20,000,000 100.00 ( ) ( ) 103 12 31 ( ) ( ) 30,000 266,303 38,576 227,727 588,826 194,690 197,831 65.94 3,500 17,802 1,942 15,860 21,161 9,789 11,023 31.49 1,200,000 1,613,405 1,044,550 568,855 12,197 2,999 (74,424) (0.62) 200,000 282,507 37,686 244,821 190,276 5,360 5,953 0.30 124
36 3 2 125
103 1 3 HAPPY GO (GDR) ( ) 22 15,323 48 5 150 6 103 7 8 9 VIP 10 11 12 TTQS ( ) /OTP (China Pay) 300 2015 100 8 103 - TSM NFC 104 126
106 207 27 (02) 2378-6868 106 207 1 (02) 2378-6868 103 30 2 (02) 2550-8811 106 207 20 (02) 2312-3636 220 182 3 33 (02) 8073-1166 100 1 (02) 2381-4567 100 40 (02) 2392-6955 100 112 (02) 2327-8898 100 135 (02) 2356-7711 103 30 (02) 2550-6600 104 59 (02) 2505-5533 105 171 (02) 8787-6668 110 200 3 (02) 2722-9558 110 7 (02) 8785-5788 104 70 (02) 2523-8899 100 50 (02) 2369-5600 110 505 (02) 2720-7755 104 101 (02) 7702-9766 103 86 (02) 2558-6186 101 110 7 101 51-1 (02) 8101-0168 220 172 (02) 8966-3339 220 1 (02) 2255-6499 220 226228 (02) 2272-6088 220 18 (02) 7729-0616 247 38 1 (02) 7730-6978 231 98 (02) 2910-6060 234 222 (02) 2232-6500 235 1 2 3 3 1 (02) 2945-1800 234 535 12 (02) 7717-6668 241 46 (02) 8973-1133 242 209 (02) 8991-3366 127
242 6 (02) 2901-6868 333 227 (03) 397-3888 330 78 (03) 339-6339 330 6 (03) 301-8966 330 480482 (03) 346-9688 320 372 (03) 427-9696 300 243 (03) 533-8168 300 11 3 (03) 579-8833 300 100 (03) 533-3131 302 39-41 (03) 553-6699 400 131 (04) 2225-2008 403 367 (04) 2328-8666 406 698 (04) 2230-6689 404 180 (04) 2297-3266 412 121 (04) 2482-3899 500 233 (04) 728-9188 540 11 (049) 222-3311 600 272 (05) 278-5911 701 2 (06) 208-9898 710 37 (06) 253-0400 701 87 (06) 290-7290 800 49 (07) 251-8199 802 96 (07) 715-5678 803 106 (07) 533-3820 802 191 (07) 336-9066 830 201 (07) 777-8600 104 12 1 (02) 2592-2255 114 495 (02) 2630-5788 241 39 12 (02) 8983-8366 8 20 (852) 2167-8183 128
129
130
2845 103 102 2 207 27 (02)2378-6868 131
103 103 1 1 103 12 31 27 1043 20 132
103 102 12 31 103 102 1 1 12 31 103 102 12 31 103 102 1 1 12 31 103 102 0990031652 0980032818 104 3 20 133
103 102 12 31 103 12 31 102 12 31-11000 $ 8,084,621 2 $ 4,348,619 1 11500 78,125,478 15 88,876,281 18 12000 25,944,211 5 18,795,444 4 12300 40,439-111,034-12500 14,385,710 3 23,006,325 5 13000 19,664,258 4 20,671,269 4 13200 26,785-1,003-13500 319,176,466 61 292,517,032 59 14000 30,518,170 6 21,735,693 4 14500 3,991,084 1 3,105,972 1 15000 1,592,014-2,365,826-15513 6,971,873 1 8,477,868 2 15597 7,839,735 1 2,748,522 1 18500 2,785,884 1 2,814,164 1 19000 1,801,534-1,830,904-19300 826,343-579,514-19500 165,375-206,250-10000 $ 521,939,980 100 $ 492,191,720 100 134
103 12 31 102 12 31-21000 $ 11,496,870 2 $ 13,782,129 3 22000 11,055,294 2 7,288,065 1 22300 5,204-12,631-22500 4,391,451 1 1,299,471-23000 5,596,002 1 13,502,992 3 23200 243,366-10,870-23500 423,242,417 81 398,305,940 81 24000 25,479,749 5 27,103,885 6 25500 2,874,070 1 761,020-25600 762,276-754,125-29500 530,549-417,508-20000 485,677,248 93 463,238,636 94 31100 28,618,263 6 23,621,182 5 31501 462,400-34,923-32001 3,382,816-2,511,684-32003 304,122-179,722-32011 3,697,426 1 2,903,770 1 32000 7,384,364 1 5,595,176 1 32521 67,264-16,264-32523 (269,559) - (314,461) - 32500 (202,295) - (298,197) - 30000 36,262,732 7 28,953,084 6 $ 521,939,980 100 $ 492,191,720 100 135
103 102 1 1 12 31 103 102 41000 $ 12,253,408 112 $ 11,263,921 118 9 51000 6,873,872 63 6,379,554 67 8 49010 5,379,536 49 4,884,367 51 10 49100 2,914,137 27 2,971,308 31 ( 2) 49200 1,591,928 15 1,097,798 12 45 49300 99,085 1 47,402-109 49600 566,581 5 199,908 2 183 47000 64,618 1 61,148 1 6 57005 ( 78,587) ( 1) - - - 49821 195,326 2 217,824 2 ( 10) 49899 144,324 1 58,307 1 148 49020 5,497,412 51 4,653,695 49 18 4xxxx 10,876,948 100 9,538,062 100 14 58200 70,318 - ( 18,171) - 487 136
103 102 58500 $ 3,817,680 35 $ 3,544,628 37 8 59000 213,380 2 230,519 3 ( 7) 59500 2,479,436 23 2,217,979 23 12 58400 6,510,496 60 5,993,126 63 9 61001 4,296,134 40 3,563,107 37 21 61003 601,611 6 501,837 5 20 64000 3,694,523 34 3,061,270 32 21 65001 51,000 1 7,133-615 65011 34,939 - ( 125,353) ( 1) 128 65041 10,883 - ( 14,628) - 174 65000 96,822 1 ( 132,848) ( 1) 173 66000 $ 3,791,345 35 $ 2,928,422 31 29 67101 $ 3,694,523 34 $ 3,061,270 32 21 67111 $ - - $ - - - 67301 $ 3,791,345 35 $ 2,928,422 31 29 67311 $ - - $ - - - 67501 $ 1.31 $ 1.24 67701 $ 1.13 $ 1.14 137
103 102 1 1 12 31 A1 102 1 1 $ 22,422,596 $ 22,348 $ 1,742,672 101 B1 - - 769,012 B3 - - - B5 0.230 - - - B9 0.493 1,105,434 - - 1,105,434-769,012 C7 - - - D1 102 - - - D3 102 - - - D5 102 - - - N1 93,152 12,575 - Z1 102 12 31 23,621,182 34,923 2,511,684 E1 3,650,000 425,761-102 B1 - - 871,132 B3 - - - B5 0.250 - - - B9 0.449 1,224,476 - - 1,224,476-871,132 D1 103 - - - D3 103 - - - D5 103 - - - N1 122,605 1,716 - Z1 103 12 31 $ 28,618,263 $ 462,400 $ 3,382,816 138
$ 4,554 $ 2,405,786 $ 9,131 ($ 173,800) $ 26,433,287 - ( 769,012) - - - 173,800 ( 173,800) - - - - ( 515,720) - - ( 515,720) - ( 1,105,434) - - - 173,800 ( 2,563,966) - - ( 515,720) 1,368 - - - 1,368-3,061,270 - - 3,061,270-680 7,133 ( 140,661) ( 132,848) - 3,061,950 7,133 ( 140,661) 2,928,422 - - - - 105,727 179,722 2,903,770 16,264 ( 314,461) 28,953,084 - - - - 4,075,761 - ( 871,132) - - - 124,400 ( 124,400) - - - - ( 681,779) - - ( 681,779) - ( 1,224,476) - - - 124,400 ( 2,901,787) - - ( 681,779) - 3,694,523 - - 3,694,523-920 51,000 44,902 96,822-3,695,443 51,000 44,902 3,791,345 - - - - 124,321 $ 304,122 $ 3,697,426 $ 67,264 ($ 269,559) $ 36,262,732 139
103 102 1 1 12 31 103 102 A00010 $ 4,296,134 $ 3,563,107 A20000 A20100 180,813 189,220 A20200 32,567 41,299 A20300 70,318 ( 18,171) A20400 28,463 927,647 A20900 6,873,872 6,379,554 A21200 ( 12,253,408) ( 11,263,921) A21300 ( 69,177) ( 75,482) A22300 ( 64,618) ( 61,148) A23200 78,587 - A29900 917,883 1,330,422 A29900 ( 29,889) ( 29,325) A40000 A41110 ( 4,000,746) 1,635,931 A41120 ( 7,177,230) ( 3,612,256) A41150 1,112,414 107,630 A41160 ( 27,959,190) ( 13,392,924) A41170 ( 8,792,969) ( 10,047,589) A41180 ( 660,120) ( 894,829) A41190 1,506,018 2,236,740 A42110 ( 2,285,259) 2,107,171 A42120 3,741,584 3,108,608 A42150 ( 7,775,660) 8,367,347 A42160 24,936,477 6,372,674 A33000 ( 27,293,136) ( 3,028,295) A33100 12,177,178 11,265,053 A33200 69,177 75,482 A33300 ( 6,742,592) ( 6,482,692) A33500 ( 623,118) ( 233,167) AAAA ( 22,412,491) 1,596,381 140
103 102 B01200 ($ 74,850) $ - B01900 721,070 - B02600 23,465 18,140 B02700 ( 151,491) ( 123,497) B02800 105 80 B06500 ( 4,755,792) 92,578 B06700 14,213 ( 2,473) B07600 49,656 50,611 BBBB ( 4,173,624) 35,439 C01200-4,481,250 C01400 1,100,000 4,000,000 C01500 ( 3,000,000) ( 4,000,500) C02000 3,091,980 1,299,471 C04200 2,113,050 ( 1,147,050) C04300 113,180 ( 14,151) C04500 ( 681,779) ( 515,720) C04700 4,075,761 - CCCC 6,812,192 4,103,300 DDDD 137,761 ( 25,115) EEEE ( 19,636,162) 5,710,005 E00100 101,027,363 95,317,358 E00200 $ 81,391,201 $ 101,027,363 103 12 31 102 12 31 E00210 $ 8,084,621 $ 4,348,619 E00220 7 58,920,870 73,672,419 E00230 7 14,385,710 23,006,325 E00200 $ 81,391,201 $ 101,027,363 141
103 102 1 1 12 31 81 1 11 4 11 ( )( ) ( ) ( ) 103 12 31 55 1 103 1 104 3 20 ( ) IASB IFRS IASIFRICSIC 2010 IFRS IAS IFRIC SICIFRSs 1030010325 104 IASB 2013 IFRSs 142
2013 IFRSs IASB IFRSs IFRSs IAS 39 2009 2009 1 1 2010 1 1 IAS 39 2009 6 30 IFRSs 2010 2010 7 1 2011 1 1 2009-2011 2013 1 1 IFRS 1 IFRS 7 2010 7 1 IFRS 1 2011 7 1 IFRS 1 2013 1 1 IFRS 7 2013 1 1 IFRS 7 2011 7 1 IFRS 10 2013 1 1 IFRS 11 2013 1 1 IFRS 12 2013 1 1 IFRS 10IFRS 11 IFRS 12 2013 1 1 IFRS 10IFRS 12 IAS 27 2014 1 1 IFRS 13 2013 1 1 IAS 1 2012 7 1 IAS 12 2012 1 1 IAS 19 2013 1 1 IAS 28 2013 1 1 IAS 32 2014 1 1 IFRIC 20 2013 1 1 2013 IFRSs 1. IFRS 12 IFRS 12 2. IFRS 13 IFRS 13 143
IFRS 13 IFRS 13 104 3. IAS 1 (1)(2) 104 4. IAS 19 104 IAS19 2 0 1 0 IFRSs 2 0 1 3 IFRSs 103 12 31 $ 826,343 $ 37,937 $ 864,280 $ 596,927 $ 223,161 $ 820,088 $ 7,384,364 ( $ 185,224 ) $ 7,199,140 $ 36,262,732 ( $ 185,224 ) $ 36,077,508 144
2 0 1 0 IFRSs 2 0 1 3 IFRSs 103 1 1 $ 579,514 $ 18,982 $ 598,496 $ 609,401 $ 111,657 $ 721,058 $ 5,595,176 ( $ 92,675 ) $ 5,502,501 $ 28,953,084 ( $ 92,675 ) $ 28,860,409 103 $ 3,694,523 $ 3,557 $ 3,698,080 $ 3,791,345 ( $ 92,549 ) $ 3,698,796 ( ) IASB IFRSs IASB IFRSs 2013 IFRSs IASB 1 2010-2012 2014 7 1 2 2011-2013 2014 7 1 2012-2014 2016 1 1 4 IFRS 9 2018 1 1 IFRS 9 IFRS 7 2018 1 1 IFRS 10 IAS 28 2016 1 1 3 IFRS 10IFRS 12 IAS 28 2016 1 1 IFRS 11 2016 1 1 IFRS 14 2016 1 1 IFRS 15 2017 1 1 IAS 1 2016 1 1 IAS 16 IAS 38 2016 1 1 IAS 16 IAS 41 2016 1 1 IAS 19 2014 7 1 IAS 36 2014 1 1 IAS 39 2014 1 1 IFRIC 21 2014 1 1 1 2 2014 7 1 IFRS 2 2014 7 1 IFRS 3 IFRS 13 2014 7 1 145
3 2016 1 1 4 IFRS 5 2016 1 1 1. IFRS 9 IAS 39 IFRS 9 (1) (2) 146
IFRS 9 IFRS 15 12 IFRS 9 IAS 39 (1) (2) (3) 2. IAS 36 IASB IFRS 13 IAS 36 IAS 36 147
3. IFRS 15 IFRS 15 IAS 18 IAS 11 IFRS 15 (1) (2) (3) (4) (5) IFRS 15 4. IAS 1 ( ) IFRSs ( ) ( ) 148
( ) 1. 2. 103 1231 102 1231 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00-100.00 102 3 11 102 5 9 10202038150 103 4 30 ( ) ( ) 149
( ) ( ) 150
( ) ( ) () () 151
() 1. (1) A. B. C. 152
(2) (3) (4) 2. 153
A. B. C. D. (1) (2) 154
(3) 3. 1. 155
(1) (2) 2. 156
() () () 157
() 10% () 1. 10% 2. 158
3. ( ) ( ) ( ) 159
( ) ( ) ( ) ( ) 1031231 1021231 $ 3,008,201 $ 2,645,252 4,404,964 1,342,899 605,121 312,914 66,335 47,554 $ 8,084,621 $ 4,348,619 160
1031231 1021231 $ 59,175,000 $ 60,630,000 2,528,160 10,254,670 6,161,365 8,217,629 9,829,608 9,673,862 53,323 51,094 378,022 49,026 $ 78,125,478 $ 88,876,281 103 102 12 31 7 58,920,870 73,672,419 1031231 1021231 $ 5,290,216 $ 882,925 2,217,126 2,746,609 1,871,225 268,332 1,867,476 1,617,257 306,413 309,544 287,779 332,666 266,689 72,196 209,311 84,486 159,217 198,031 158,729 149,162 158,689-84,603 94,932 12,877,473 6,756,140 161
1031231 1021231 $ 13,066,738 $ 12,039,304 $ 25,944,211 $ 18,795,444 $ 5,259,651 $ 5,104,453 2,496,196 732,643 1,871,173 267,657 373,468 261,269 341,192 244,551 293,178 121,926 266,431 443,859 129,514 80,818 24,491 30,889 $ 11,055,294 $ 7,288,065 1031231 1021231 $ 288,640,504 $ 94,772,462 250,272,724 153,416,684 146,306,832 136,533,414 32,011,721 25,498,215 22,366,930 10,438,487 21,960,764 20,136,950 18,254,846 20,062,578 11,893,669 31,862,475 2,889,347 2,247,545 173,483 554,681 162
103 102 ( $ 1,458,845 ) ( $ 485,820 ) 3,050,773 1,583,618 $ 1,591,928 $ 1,097,798 103 12 31 158,305 102 12 31 1031231 1021231 $ 40,439 $ 111,034 $ 5,204 $ 12,631 103 102 12 31 3,900,000 4,600,000 103 102 $ 63,168 $ 69,020 $ 63,168 $ 69,020 163
1031231 1021231 $ 13,274,146 $ 19,375,114 1,111,564 1,507,075-2,124,136 $ 14,385,710 $ 23,006,325 104.01.05-103.01.02-104.02.10 103.03.26 $ 14,390,592 $ 23,012,026 1031231 1021231 $ 15,391,769 $ 15,687,152 1,746,456 2,161,061 772,956 696,221 599,111-405,367 457,605 368,208 1,434,927 355,724 384,110 299,637 190,984 351,692 344,283 20,290,920 21,356,343 626,662 685,074 $ 19,664,258 $ 20,671,269 1031231 1021231 $ 167,992 $ 159,359 56,046,303 48,538,897 129,396,798 114,720,520 137,346,050 132,602,309 977,460 759,427 323,934,603 296,780,512 4,758,137 4,263,480 $ 319,176,466 $ 292,517,032 164
103 $ 4,263,480 $ 1,114,730 $ 5,378,210 420,060 ( 369,904 ) 50,156 ( 570,261 ) ( 413,822 ) ( 984,083 ) 623,534 294,349 917,883 21,324 1,474 22,798 $ 4,758,137 $ 626,827 $ 5,384,964 102 $ 3,582,006 $ 1,180,101 $ 4,762,107 99,273 ( 181,406 ) ( 82,133 ) ( 413,844 ) ( 219,480 ) ( 633,324 ) 991,829 338,593 1,330,422 4,216 ( 3,078 ) 1,138 $ 4,263,480 $ 1,114,730 $ 5,378,210 103 102 $ 420,060 $ 99,273 ( 369,904 ) ( 181,406 ) 20,162 63,962 $ 70,318 ( $ 18,171 ) 103 102 1031231 1021231 $ 2,912,152 $ 674,639 $ 3,431,546 $ 638,734 1,671,366 348,699 1,678,136 522,824 5,074,384 50,744 2,841,768 14,209 314,276,701 3,684,055 288,829,062 3,087,713 $ 323,934,603 $ 4,758,137 $ 296,780,512 $ 4,263,480 165
1031231 1021231 $ 6,053 $ 2,602 $ 651,446 $ 591,524 2,014,332 553,088 2,357,854 577,306 9,578,134-10,058,136-15,796,461 66,021 16,217,289 90,491 $ 27,394,980 $ 621,711 $ 29,284,725 $ 1,259,321 1031231 1021231 $ 13,963,872 $ 13,619,393 10,891,647 5,045,261 4,327,881 1,243,923 827,187 1,109,537 507,583 717,579 $ 30,518,170 $ 21,735,693 103 102 12 31 99,913 183,200 103 102 12 31 4,103,414 1,119,919 1031231 1021231 $ 2,642,131 $ 1,057,373 621,092 1,150,099 475,770 898,500 252,091 - $ 3,991,084 $ 3,105,972 166
( ) 1031231 1021231 $ 1,463,169 22.06 $ 1,421,984 22.06 128,845 40.00 143,871 40.00 - - 799,971 49.00 $ 1,592,014 $ 2,365,826 103 3 723,240 2,170 78,587 1031231 1021231 $ 45,023,519 $ 55,931,939 $ 38,068,120 $ 47,493,097 103 102 $ 901,857 $ 1,228,989 $ 315,695 $ 303,060 $ 58,570 ( $ 65,806 ) ( ) 103 102 $ 77,898 $ 74,756 1,703 3,975 ( 14,983 ) ( 17,583 ) $ 64,618 $ 61,148 167
1031231 1021231 $ 4,244,125 $ 4,794,018 1,268,720-824,668 2,935,100 634,360 - - 748,750 $ 6,971,873 $ 8,477,868 102 12 31 149,750 103 12 31 1031231 1021231 $ 286 $ 490,393 165 429,656 121 60,737 3 3,896,489 250,300 2,607,429 1,585,442 600,554 200,233 558,913 550,431 176,229 101,379 $ 7,839,735 $ 2,748,522 1031231 1021231 $ 74,850 $ - 50,006 50,006 45,500 45,500 3,000 3,000 2,073 2,073 800 800 $ 176,229 $ 101,379 103 6 74,850 4.99% 168
103 $ 1,581,625 $ 1,239,899 $ 1,301,226 $ 5,995 $ 1,427,532 $ 14,845 $ 5,571,122-5,849 70,692 213 41,406 33,331 151,491 - ( 331 ) ( 29,591 ) ( 76 ) ( 38,627 ) - ( 68,625 ) - - 21,135-6,738 ( 25,097 ) 2,776 1,581,625 1,245,417 1,363,462 6,132 1,437,049 23,079 5,656,764-529,302 958,844 5,736 1,263,076-2,756,958-25,367 98,208 184 57,054-180,813 - ( 274 ) ( 29,553 ) ( 76 ) ( 38,619 ) - ( 68,522 ) - - 1,026-605 - 1,631-554,395 1,028,525 5,844 1,282,116-2,870,880 $ 1,581,625 $ 691,022 $ 334,937 $ 288 $ 154,933 $ 23,079 $ 2,785,884 102 $ 1,581,625 $ 1,236,633 $ 1,354,797 $ 6,234 $ 1,406,170 $ 22,076 $ 5,607,535-3,517 52,166 57 31,075 36,682 123,497 - ( 550 ) ( 142,190 ) ( 296 ) ( 17,554 ) - ( 160,590 ) - 299 36,453-7,841 ( 43,913 ) 680 1,581,625 1,239,899 1,301,226 5,995 1,427,532 14,845 5,571,122-504,648 998,036 5,841 1,219,317-2,727,842-25,181 102,482 191 61,366-189,220 - ( 550 ) ( 142,140 ) ( 296 ) ( 17,751 ) - ( 160,737 ) - 23 466-144 - 633-529,302 958,844 5,736 1,263,076-2,756,958 $ 1,581,625 $ 710,597 $ 342,382 $ 259 $ 164,456 $ 14,845 $ 2,814,164 555 37 37 220 1031231 1021231 $ 1,538,210 $ 1,538,210 428,887 428,887 1,967,097 1,967,097 165,563 136,193 $ 1,801,534 $ 1,830,904 169
99 4 B 4 15 1031231 1021231 $ - $ 27,567-4,246-23,321 153,935 174,935 11,440 7,994 $ 165,375 $ 206,250 1031231 1021231 $ 11,048,017 $ 13,441,942 333,802 309,011 115,051 31,176 $ 11,496,870 $ 13,782,129 1031231 1021231 $ 4,082,741 $ 1,118,018 158,206-150,504 181,453 $ 4,391,451 $ 1,299,471 104.01.06-103.01.07-104.03.30 103.01.24 $ 4,421,095 $ 1,302,319 1031231 1021231 $ 1,485,772 $ 1,408,468 1,201,038 8,836,221 853,804 813,674 605,120 312,914 355,724 384,110 170
1031231 1021231 $ 275,779 $ 691,079 187,034 431,101 631,731 625,425 $ 5,596,002 $ 13,502,992 1031231 1021231 $ 2,548,513 $ 2,584,658 43,553,959 46,239,336 58,545,999 54,822,689 82,186,606 85,924,264 21,989,500 24,392,500 214,373,269 184,325,934 44,571 16,559 $ 423,242,417 $ 398,305,940 1031231 1021231 $ 21,039,435 $ 23,002,603 4,440,314 4,101,282 $ 25,479,749 $ 27,103,885 1031231 1021231 94 4 10 94.08.26-104.08.26 08.26 2.30% $ 3,000,000 $ 3,000,000 96 1 7 96.02.13-103.02.13 A 02.13-2,000,000 B 02.13 2.55% 96 2 7 96.03.12-103.03.12 03.12-1,000,000 97 1 7 97.06.17-104.06.17 A 06.17 2,400,000 2,400,000 3.90% B 06.17 99 1 7 99.05.18-106.05.18 05.18 2,000,000 2,000,000 2.98% 99 2 7 99.09.29-106.09.29 09.29 2,000,000 2,000,000 2.10% 100 1 7 100.11.10-107.11.10 11.10 3,500,000 3,500,000 1.95% 101 1 7 101.06.27-108.06.27 06.27 3,000,000 3,000,000 1.75% 102 1 7 102.11.06-109.11.06 11.06 4,000,000 4,000,000 2.10% 103 1 7 103.12.23-110.12.23 12.23 2.05% 1,100,000-171
1031231 1021231 94 1-1 101.06.28 $ 3,960 $ 3,960 7 91 1-1 7 98.06.28 240 240 21,004,200 22,904,200 35,235 98,403 $ 21,039,435 $ 23,002,603 102 2 7 5 150,000 20 0% 4,009,661 471,589 38,252 2.63% 433,337 ( ) 101.89% ( ) 1. 30 30 20 130% 0.375% 2. 90% 3. 172
( ) 1. 2. 41 10 (1) 60 30 5 (2) 15 1 (3) 3. 4. 15.24 103 12 31 13.18 1 29.569 5. (1) 30 (2) (3) 173
1031231 1021231 $ 1,664,080 $ 214,247 1,029,918 364,966 180,072 181,807 $ 2,874,070 $ 761,020 1031231 1021231 $ 980,000 $ 340,000 49,918 24,966 $ 1,029,918 $ 364,966 1.32%-1.80% 1.32%-1.38% 1031231 1021231 $ 50,000 $ 25,000 82 34 $ 49,918 $ 24,966 1.42% 1.40% 1031231 1021231 $ 596,927 $ 609,401 165,349 144,724 $ 762,276 $ 754,125 6% 6 2% 174
2 2% 99 9 99 10 1031231 1021231 2.00% 2.25% 1.25% 1.50% 2.50% 2.50% 103 102 $ 11,595 $ 12,106 22,099 16,881 ( 3,666 ) ( 4,325 ) 2,554 1,059 ( 1,200 ) ( 1,200 ) $ 31,382 $ 24,521 103 102 $ 1,004,927 $ 978,015 11,595 12,106 22,099 16,881 115,890 21,361 ( 13,899 ) ( 18,868 ) ( 26,213 ) ( 4,568 ) $ 1,114,399 $ 1,004,927 175
1031231 1021231 $ 1,114,399 $ 1,004,927 294,311 283,869 820,088 721,058 ( 244,005 ) ( 133,701 ) 20,844 22,044 $ 596,927 $ 609,401 103 102 $ 283,869 $ 279,571 3,666 4,325 3,032 ( 768 ) 17,643 19,609 ( 13,899 ) ( 18,868 ) $ 294,311 $ 283,869 103 102 6,698 3,557 1031231 1021231 49.69% 44.77% 28.36% 31.58% 19.12% 22.86% 2.83% 0.79% 100.00% 100.00% 1031231 1021231 1011231 10111 $ 1,114,399 $ 1,004,927 $ 978,015 $ 857,300 $ 294,311 $ 283,869 $ 279,571 $ 260,879 $ 820,088 $ 721,058 $ 698,444 $ 596,421 ( $ 80,779 ) ( $ 91,302 ) ( $ 52,368 ) $ - $ 3,032 ( $ 768 ) ( $ 2,788 ) $ - 176
103 102 12 31 18,084 20,099 1031231 1021231 $ 359,858 $ 266,152 92,074 78,725 47,079 40,995 31,538 31,636 $ 530,549 $ 417,508 ( ) 1031231 1021231 4,500,000 4,500,000 $ 45,000,000 $ 45,000,000 2,861,826 2,362,118 $ 28,618,263 $ 23,621,182 10 103 1 11.25 365,000 18,250,000 20 7.4 135,050 3,650,000 425,761 ( ) 177
( ) 30% 1. 92% 2. 2% 3. 6% 10% 15% 25% 103 6 24 102 6 19 102 101 102 101 102 101 $ 871,132 $ 769,012 124,400 173,800 681,779 515,720 $ 0.250 $ 0.230 1,224,476 1,105,434 0.449 0.493 $ 2,901,787 $ 2,563,966 IFRSs IFRS 1 178
165,761 140,970 102 101 102 12,260 1 10.14 1,716 101 9,315 1 11.35 12,575 87 10% 104 3 20 103 $ 1,108,357 ( 95,903 ) 1,144,730 $ 0.400 1,536,801 0.537 $ 3,693,985 174,882 58,294 103 103 104 6 16 179
( ) 103 102 ( $ 314,461 ) ( $ 173,800 ) 94,516 ( 130,621 ) ( 59,577 ) 5,268 9,963 ( 15,308 ) ( $ 269,559 ) ( $ 314,461 ) 103 102 $ 9,943,980 $ 9,142,527 1,009,197 1,028,807 589,663 607,783 390,261 296,999 126,457 9,310 193,850 178,495 12,253,408 11,263,921 3,347,425 3,311,560 2,677,018 2,414,119 490,677 475,285 204,108 127,584 154,644 51,006 6,873,872 6,379,554 $ 5,379,536 $ 4,884,367 103 102 $ 1,246,367 $ 1,244,492 930,649 952,297 829,629 874,306 385,678 354,111 3,392,323 3,425,206 180
103 102 $ 122,272 $ 101,664 94,233 102,093 82,960 85,029 39,816 35,527 39,267 41,682 99,638 87,903 478,186 453,898 $ 2,914,137 $ 2,971,308 103 102 $ 35,630 $ 63,406 14,378 8,676 ( 1,394,210 ) 1,691,011 2,991,013 243,718 ( 26,420 ) 18,634 1,570,383 1,953,363 ( 120,382 ) ( 2,236,821 ) 43,278 1,311,632 48,641 ( 2,458 ) ( 28,463 ) ( 927,647 ) $ 1,591,928 $ 1,097,798 103 102 $ 2,857,058 $ 2,675,133 241,178 172,540 223,932 206,153 155,681 174,318 143,537 131,964 196,294 184,520 $ 3,817,680 $ 3,544,628 103 102 12 31 2,635 2,600 181
103 102 $ 180,813 $ 189,220 $ 32,567 $ 41,299 103 102 $ 581,963 $ 372,018 474,629 474,946 417,716 415,317 177,683 156,865 169,496 173,559 657,949 625,274 $ 2,479,436 $ 2,217,979 ( ) 103 102 $ 536,303 $ 160,097 ( 25,651 ) ( 2,444 ) 510,652 157,653 90,959 344,184 $ 601,611 $ 501,837 103 102 $ 4,296,134 $ 3,563,107 $ 747,997 $ 635,227 ( 778,253 ) ( 181,985 ) 65,237 197,824 1,714 ( 614,135 ) 483,339 96,386 182
103 102 $ 198 $ - 16,071 26,780 536,303 160,097 ( 25,651 ) ( 2,444 ) 90,959 344,184 $ 601,611 $ 501,837 103 10% 104 104 ( ) 103 $ 380,713 ( $ 8 ) $ - $ 380,705 81,345 657-82,002 40,054 60,764-100,818 9,678 25,338-35,016 511,790 86,751-598,541 67,724 ( 176,491 ) 336,569 227,802 $ 579,514 ( $ 89,740 ) $ 336,569 $ 826,343 ( $ 10,562 ) ( $ 1,219 ) $ - ( $ 11,781 ) 102 $ 287,381 $ 93,332 $ - $ 380,713 81,289 56-81,345 ( 67,012 ) 107,066-40,054 12,380 ( 2,702 ) - 9,678 314,038 197,752-511,790 613,741 ( 538,983 ) ( 7,034 ) 67,724 1,686 ( 1,686 ) - - $ 929,465 ( $ 342,917 ) ( $ 7,034 ) $ 579,514 ( $ 9,295 ) ( $ 1,267 ) $ - ( $ 10,562 ) 183
( ) 1031231 1021231 106 $ 1,842,760 $ 1,128,545 107 1,055,725 - $ 2,898,485 $ 1,128,545 107 $ 66,641 $ 66,641 108 108,343 108,343 109 53,563 53,563 110 38,085 38,085 111 22,380 22,380 112 10,626 10,935 113 1,920 - $ 301,558 $ 299,947 ( ) 103 12 31 106 $1,842,760 107 2,243,822 110 133,968 $4,220,550 107 $ 66,641 108 108,343 109 53,563 110 38,085 111 22,380 112 10,626 113 1,920 $ 301,558 112 $ 9,796 113 8,154 $ 17,950 184
( ) 87 1031231 1021231 $ 273,569 $ 104,422 103 102 13.49% 16.58% 87 103 102 10 17 10204562810 IFRSs ( ) 101 102 103 102 $ 1.31 $ 1.24 $ 1.13 $ 1.14 185
102 102 $ 1.30 $ 1.24 $ 1.20 $ 1.14 103 102 $ 3,694,523 $ 3,061,270 ( 82,388 ) 106,215 $ 3,612,135 $ 3,167,485 103 102 2,826,157 2,461,484 336,260 299,230 22,500 14,299 3,184,917 2,775,013 103 3 186
( ) 103 $ 1,800,000 $ 900,000 $ 1,124 0.39%-0.65% 102 $ 1,200,000 $ 700,000 $ 871 0.39%-0.44% 187
( ) 103 1 $ 1,310 $ 1,000 $ 1,000 $ - 5 3,006 2,679 2,679-19 159,082 117,190 117,190-1,890,000 1,865,000 1,865,000-847,000 800,000 800,000-700,000 700,000 700,000-500,000 200,000 200,000-607,595 10,212 10,212-750,000 - - - 286,000 - - - 204,000 - - - 200,000 - - - 200,000 - - - 200,000 - - - 95,034 - - - 90,000 - - - $ 3,696,081 $ 3,696,081 $ - 102 3 1,332 $ 1,012 $ 1,012 $ - 13 90,502 79,936 79,936-1,845,000 1,845,000 1,845,000-847,000 650,000 650,000-450,000 120,000 120,000-616,777 12,220 12,220-800,000 - - - 500,000 - - - / 383,000 - - - 200,000 - - - 200,000 - - - 200,000 - - - 194,305 - - - $ 2,708,168 $ 2,708,168 $ - 103 1.10%-3.28% $ 39,464 102 1.08%-2.38% $ 41,468 188
( ) 103 $ 130,000 $ 130,000 $ 1,300 0.40% 48,000 48,000 480 0.50% 60,000 30,000 300 0.60% 12,200 9,200 92 0.50% 18,324 5,810 58 0.75% 3,000 3,000 30 0.60% $ 226,010 $ 2,260 102 43,000 $ 38,000 $ 190 0.50% 60,000 30,000 150 0.60% 311,676 12,514 63 0.75% 11,000 11,000 55 0.50% 3,000 3,000 15 0.60% $ 94,514 $ 473 ( ) 1031231 1021231 $ 28,163 $ 70,934 ( ) 103 $ 1,100,000 $ 2,000,000 $ 100,000 $ - $ - $ 50,000 $370,156,386 $ 1,471,135 102 $ 2,050,000 $ 1,350,000 $ 50,000 $ - $ 100,000 $ 200,000 $123,751,482 $ 349,828 ( ) 103 102.05.17~ $ 951,540 ( $ 7,179 ) $ 49,661 105.05.10 103.04.07~ 6,660,780 ( 10,728 ) 320,861 104.12.15 103.03.27~ 222,026 66 592 104.04.10 101.10.25~ 1,026,870 ( 14,813 ) 15,800 111.10.25 103.03.31~ 1,237,002 ( 317 ) 675 104.04.15 2,354 103.11.05~ 378,081 487 1,725 104.03.27 5,875 103.11.17~ 104.03.20 295,515 ( 769 ) 762 189
103.12.10~ 158,590 $ 2,707 $ 2,207 104.03.12 102.06.07~ 390,000 14,656 59,271 106.09.02 2,450 102 100.03.28~ 105.05.10 102.04.26~ 103.11.07 101.10.25~ 111.10.25 102.11.04~ 103.04.07 102.12.25~ 103.01.10 100.01.14~ 105.12.20 9,134,750 119,911 6,648,900 15,922 969,631 ( 957 ) 787,683 ( 4,509 ) 149,750 ( 1,485 ) 348,000 44,308 14,056 99,748 4,870 41,453 987 7,446 12,083 500 43,037 872 ( ) 1031231 1021231 5% $ 34,947,014 $ 33,539,756 0%-6.36% 0%-6.36% 103 102 $ 354,296 $ 381,459 ( ) 103 102 $ 211,011 3 $ 196,307 3 71,023 1 37,955 1 39,535 1 246-70,992 1 62,054 1 43,884 1 45,805 1 $ 436,445 7 $ 342,367 6 190
( ) 103 102 $ 175,453 $ 140,313 2,803 2,085 $ 178,256 $ 142,398 1031231 1021231 $ 7,600,000 $ 4,000,000 4,145,300 2,625,000 $ 11,745,300 $ 6,625,000 103 102 12 31 ( ) 1031231 1021231 1 $ 369,682 $ 341,143 1 5 773,617 611,766 5 91,556 106,588 $ 1,234,855 $ 1,059,497 191
( ) 1031231 1021231 $ 6,924,007 $ 6,906,582 13,479 11,372 4,549 3,714 43,481,540 40,020,561 5,314,094 5,465,302 1,249,088 395,188 3,436,630 2,543,801 553,127 307,364 $ 60,976,514 $ 55,653,884 $ 1,287 $ 2,696 226 134 3,436,630 2,543,801 56,410,576 51,669,151 1,127,795 1,438,102 $ 60,976,514 $ 55,653,884 103 102 $ 42,318 $ 36,572 1,631,075 1,404,805 125,886 112,495-598,885 1,301 2,875 35,937 2,789 1,836,517 2,158,421 30,366 35,095 356 309 14,894 4,607 8,529 507 21 48 8 15 361,687-415,861 40,581 192
103 102 $ 1,420,656 $ 2,117,840 11,632 11,283 $ 1,409,024 $ 2,106,557 1031231 1021231 $ 6,924,007 $ 6,906,582 13,479 11,372 4,549 3,714 43,481,540 40,020,561 5,314,094 5,465,302 489,848 219,799 45,190 43,728 714,050 131,661 3,436,630 2,543,801 553,127 307,364 $ 60,976,514 $ 55,653,884 103 102 12 31 899,990 889,572 1031231 1021231 $ 2,530,818 31.718 $ 80,272,425 $ 2,053,888 29.95 $ 61,513,812 1,056,777 4.090 4,322,214 1,363,522 3.862 5,265,919 1,448,012 5.103 7,389,205 333,937 4.948 1,652,319 71,102 25.98 1,847,227 72,729 26.71 1,942,597 395,536 2.74 1,083,765 2,763 2.85 7,875 3,443,101 0.2650 912,422 4,818,742 0.2852 1,374,305 22,247 38.55 857,640 21,199 41.28 875,094 5,670 49.36 279,895 4,302 49.54 213,136 9,151 24.87 227,575 8,119 24.60 199,737 193
1031231 1021231 $ 4,286 27.32 $ 117,087 $ 5,529 28.14 $ 155,582 794 23.98 19,030 10,973 23.68 259,842 2,315,855 31.718 73,454,287 1,988,085 29.95 59,543,107 1,480,170 5.103 7,553,306 335,990 4.948 1,662,476 1,053,730 4.090 4,309,755 1,340,519 3.862 5,177,083 80,277 25.98 2,085,597 77,398 26.71 2,067,309 396,079 2.74 1,085,256 78 2.85 221 3,423,630 0.2650 907,262 4,809,643 0.2852 1,371,710 22,156 38.55 854,113 21,196 41.28 874,976 5,675 49.36 280,114 4,307 49.54 213,353 9,067 24.87 225,488 8,134 24.60 200,102 4,244 27.32 115,950 5,520 28.14 155,319 808 23.98 19,377 10,800 23.68 255,747 ( ) 1031231 1021231 $ 8,084,621 $ 8,084,621 $ 4,348,619 $ 4,348,619 78,125,478 78,125,478 88,876,281 88,876,281 25,944,211 25,944,211 18,795,444 18,795,444 40,439 40,439 111,034 111,034 14,385,710 14,385,710 23,006,325 23,006,325 19,664,258 19,664,258 20,671,269 20,671,269 319,176,466 319,176,466 292,517,032 292,517,032 30,518,170 30,518,170 21,735,693 21,735,693 3,991,084 4,008,076 3,105,972 3,122,487 6,971,873 6,971,873 8,477,868 8,477,868 176,229 176,229 101,379 101,379 7,663,506 7,663,498 2,647,143 2,647,126 11,496,870 11,496,870 13,782,129 13,782,129 11,055,294 11,055,294 7,288,065 7,288,065 5,204 5,204 12,631 12,631 4,391,451 4,391,451 1,299,471 1,299,471 194
1031231 1021231 $ 5,596,002 $ 5,596,002 $ 13,502,992 $ 13,502,992 423,242,417 423,242,417 398,305,940 398,305,940 3,935,235 3,935,235 4,698,403 4,698,403 21,544,514 21,544,514 22,405,482 22,405,482 2,874,070 2,874,070 761,020 761,020 ( ) 1. 2. 3. 4. 195
( ) 1. (1) (2) (3) 2. 1031231 $ 2,026,165 $ 2,026,165 $ - $ - 287,779 287,779 - - 158,729 158,729 - - 13,066,738 13,066,738 - - 18,291,753 18,291,753 - - 11,399,230-11,399,230-827,187 827,187 - - 196
1031231 $ 10,404,800 $ - $ 10,321,048 $ 83,752 40,439-40,439 - ( 11,055,294 ) - ( 10,774,810 ) ( 280,484 ) ( 5,204 ) - ( 5,204 ) - $ 45,442,322 $ 34,658,351 $ 10,980,703 ( $ 196,732 ) 1021231 $ 1,617,257 $ 1,617,257 $ - $ - 332,666 332,666 - - 149,162 149,162 - - 12,039,304 12,030,369 8,935-14,863,316 14,863,316 - - 5,762,840-5,762,840-1,109,537 1,109,537 - - 4,657,055-4,571,329 85,726 111,034-111,034 - ( 7,288,065 ) - ( 6,831,718 ) ( 456,347 ) ( 12,631 ) - ( 12,631 ) - $ 33,341,475 $ 30,102,307 $ 3,609,789 ( $ 370,621 ) 197
3. 103 $ 85,726 ( $ 11,736 ) $ 26,411 $ - $ 16,649 $ - $ 83,752 102 $ 178,293 ( $ 71,362 ) $ 39,121 $ - $ 57,121 $ 3,205 $ 85,726 4. 103 $ 456,347 ( $ 179,498 ) $ 10,912 $ - $ 7,277 $ - $ 280,484 102 $ 67,309 ( $ 37,772 ) $ 439,516 $ - $ 5,387 $ 7,319 $ 456,347 5. 103 102 6. 0.01% 198
103 12 31 102 12 31 $ 1,872 ( $ 2,031 ) $ 1,557 ( $ 1,557 ) 1,917 ( 1,917 ) 1,953 ( 2,402 ) ( ) Reuters Bloomberg 1. 2. 3. 199
( ) ( ) ( ) 1. 200
2. (1) A. B. 201
THE BANKER 3. (1) (2) (3) (4) 202
(5) 4. 1031231 1021231 $ 155,093,979 $ 149,696,272 14,961,059 13,386,770 13,762,549 10,906,749 5. (1) 1031231 1021231 $ 44,775,530 14 $ 37,669,346 13 30,536,243 9 24,137,512 8 14,239,713 4 13,097,447 4 $ 89,551,486 27 $ 74,904,305 25 203
(2) (3) 1031231 1021231 $ 98,869,296 31 $ 87,963,079 30 167,773,667 51 152,903,889 51 36,270,930 11 35,848,045 12 15,382,835 5 14,076,860 5 5,637,875 2 5,988,639 2 $ 323,934,603 100 $ 296,780,512 100 6. 204
(1) 103 12 31 ( A ) (B) ( C ) (A)+(B)+(C) ( D ) (A)+(B)+ ( C ) ( D ) $ 182,339,823 $ 83,907,953 $ 48,756,863 $ 355,869 $ 315,360,508 $ 3,990,577 $ 4,583,518 $ 323,934,603 $ 1,023,338 $ 3,734,799 $ 319,176,466 5,591,571 2,383,864 4,992,408 43,440 13,011,283 267,762 2,005,522 15,284,567 538,873 36,436 14,709,258 244,463 413,256 1,433,923-2,091,642 10,539-2,102,181-21,528 2,080,653 102 12 31 ( A ) (B) ( C ) (A)+(B)+(C) ( D ) (A)+(B)+ ( C ) ( D ) $ 164,846,308 $ 75,058,919 $ 46,686,348 $ 307,963 $ 286,899,538 $ 4,771,292 $ 5,109,682 $ 296,780,512 $ 1,161,558 $ 3,101,922 $ 292,517,032 5,644,156 2,265,984 4,972,301 44,201 12,926,642 324,389 2,348,091 15,599,122 561,742 68,789 14,968,591 62,826 399,860 2,076,533-2,539,219 5,952 490,361 3,035,532 429,640 16,879 2,589,013 205
(2) 103 12 31 $ 22,523,707 $ 15,039,944 $ 3,723,746 $ 21,672 $ 41,309,069 31,606,264 26,450,013 36,846,868 155,395 95,058,540 122,447,461 13,199,317 4,307,151-139,953,929 3,983,823 6,472,909 2,027,786 178,802 12,663,320 1,778,568 22,745,770 1,851,312-26,375,650 $ 182,339,823 $ 83,907,953 $ 48,756,863 $ 355,869 $315,360,508 102 12 31 $ 16,542,953 $ 12,613,104 $ 2,044,019 $ 4,858 $ 31,204,934 27,873,775 19,838,900 36,050,272 144,100 83,907,047 115,620,847 11,907,560 4,276,978-131,805,385 3,711,359 6,005,598 4,315,079 159,005 14,191,041 1,097,374 24,693,757 - - 25,791,131 $ 164,846,308 $ 75,058,919 $ 46,686,348 $ 307,963 $ 286,899,538 (3) 90 1031231 1 1 3 $ 51,158 $ - $ 51,158 2,168,121 230,249 2,398,370 454,251 83,092 537,343 958,522 45,184 1,003,706 210,554 57,208 267,762 206
1021231 1 1 3 $ 11,340 $ 744 $ 12,084 2,286,657 201,609 2,488,266 830,594 113,942 944,536 1,321,333 5,073 1,326,406 269,231 55,158 324,389 207
(4) 103 12 31 ( A ) (B) ( C ) (A)+(B)+(C) ( D ) (A)+(B)+ (C) (D) $ 18,291,753 $ - $ - $ - $ 18,291,753 $ - $ - $ 18,291,753 $ - $ 18,291,253-11,399,230 - - 11,399,230 - - 11,399,230-11,399,230 525,325 301,862 - - 827,187 - - 827,187-827,187 2,480,284 1,035,030 - - 3,515,314 - - 3,515,314-3,515,314 475,770 - - - 475,770 - - 475,770-475,770 - - 176,229-176,229 - - 176,229-176,229 792,950 2,645,281 3,533,642-6,971,873 - - 6,971,873-6,971,873 $ 22,566,082 $ 15,381,403 $ 3,709,871 $ - $ 41,657,356 $ - $ - $ 41,657,356 $ - $ 41,657,356 102 12 31 ( A ) (B) ( C ) (A)+(B)+(C) ( D ) (A)+(B)+ (C) (D) $ 14,863,316 $ - $ - $ - $ 14,863,316 $ - $ - $ 14,863,316 $ - $ 14,863,316-5,762,840 - - 5,762,840 - - 5,762,840-5,762,840 619,269 490,268 - - 1,109,537 - - 1,109,537-1,109,537 631,098 1,576,374 - - 2,207,472 - - 2,207,472-2,207,472 449,250 449,250 - - 898,500 - - 898,500-898,500 - - 101,379-101,379 - - 101,379-101,379 1,347,750 4,976,518 2,153,600-8,477,868-149,750 8,627,618 149,750 8,477,868 $ 17,910,683 $ 13,255,250 $ 2,254,979 $ - $ 33,420,912 $ - $ 149,750 $ 33,570,662 $ 149,750 $ 33,420,912 208
( ) 1. 2. (1) (2) (3) (4) 10 1 2 1 1 3. 209
4. 103 12 31 0-30 31-90 91-180 181-1 1 $ 6,248,499 $ 4,949,371 $ 200,000 $ 99,000 $ - $ 11,496,870 1,175,740 3,245,355 - - - 4,421,095 2,817,033 343,730 289,547 250,390 1,895,302 5,596,002 84,883,945 86,038,648 72,793,141 97,770,316 81,756,367 423,242,417 4,200-2,400,000 3,000,000 20,357,700 25,761,900 1,224,797 401,887 1,035,284-212,184 2,874,152 102 12 31 0-30 31-90 91-180 181-1 1 $ 5,276,796 $ 7,606,591 $ 799,742 $ 99,000 $ - $ 13,782,129 1,302,319 - - - - 1,302,319 10,262,206 721,337 293,433 238,774 1,987,242 13,502,992 69,838,851 89,149,107 64,052,879 93,327,672 81,937,431 398,305,940 4,200 3,000,000 - - 24,392,500 27,396,700 485,781 33,235 27,217 33,014 181,807 761,054 103 102 12 31 0-30 92,609,108 91,059,744 5. (1) 103 12 31 0-30 31-90 91-180 181-1 1 $ - $ 2,326 $ 27,312 $ 88,694 $ 106,182 $ 224,514 641 1,354 7,776 21,862 812,920 844,553 - - 739 4,465-5,204 $ 641 $ 3,680 $ 35,827 $ 115,021 $ 919,102 $ 1,074,271 102 12 31 0-30 31-90 91-180 181-1 1 $ 1,116 $ 92 $ 7,401 $ 6,234 $ - $ 14,843 4,632 24,012 7,243 18,059 532,820 586,766-7,330 - - 5,301 12,631 $ 5,748 $ 31,434 $ 14,644 $ 24,293 $ 538,121 $ 614,240 210
(2) 103 12 31 0-30 31-90 91-180 181-1 1 $ 48,939,424 $ 28,621,831 $ 18,205,016 $ 16,323,402 $ 308,064 $ 112,397,737 49,296,412 28,907,456 19,443,122 30,597,827 51,374,013 179,618,830-222,026 3,615,852 3,806,160 951,540 8,595,578-221,164 3,468,582 3,655,400 900,000 8,245,146 48,939,424 28,843,857 21,820,868 20,129,562 1,259,604 120,993,315 49,296,412 29,128,620 22,911,704 34,253,227 52,274,013 187,863,976 $ 356,988 $ 284,763 $ 1,090,836 $ 14,123,665 $ 51,014,409 $ 66,870,661 102 12 31 0-30 31-90 91-180 181-1 1 $ 49,278,220 $ 9,000,034 $ 7,493,524 $ 5,236,919 $ 119,020 $ 71,127,717 49,371,482 9,890,520 8,309,435 18,802,319 15,178,023 101,551,779 8,236,250 3,536,850 1,796,800 2,096,500-15,666,400 8,140,000 3,410,995 1,792,750 2,067,800-15,411,545 57,514,470 12,536,884 9,290,324 7,333,419 119,020 86,794,117 57,511,482 13,301,515 10,102,185 20,870,119 15,178,023 116,963,324 ( $ 2,988 ) $ 764,631 $ 811,861 $ 13,536,700 $ 15,059,003 $ 30,169,207 6. 1031231 0-30 31-90 91-180 181-1 1 $ 13,762,549 $ - $ - $ - $ - $ 13,762,549 155,093,979 - - - - 155,093,979 492,188 - - - - 492,188 7,829,421 3,015,600 597,500 300,000 2,726,350 14,468,871 $ 177,178,137 $ 3,015,600 $ 597,500 $ 300,000 $ 2,726,350 $ 183,817,587 1021231 0-30 31-90 91-180 181-1 1 $ 10,906,749 $ - $ - $ - $ - $ 10,906,749 149,696,272 - - - - 149,696,272 1,029,701 - - - - 1,029,701 6,072,979 2,498,900 635,607 531,983 2,617,600 12,357,069 $ 167,705,701 $ 2,498,900 $ 635,607 $ 531,983 $ 2,617,600 $ 173,989,791 ( ) 1. 211
2. 3. (1) DV01 Delta Vega (2) 212
4. (1) (2) DV01 Vega (1) (2) 213
(3) 5. (1) (2) Delta Vega 6. (1) (2) 214
(3) 7. (1) A. B. C. D. (2) A. Interest Rate Factor Sensitivities, DV01 PVBP 1 1 103 900 102 1,914 215
1,465 103 102 6,554 6,386 B. Foreign Exchange Rate Factor Sensitivities, FX Delta 1% 1% 103 102 477,055 327,210 C. 1% 1% 103 102 206,432 142,475 103 102 8,272 11,095 8. 216
( ) 1. 103 12 31 1 2 3 887,282 43,420,459 2.04% 964,483 108.70% 4,443 95,966,458-1,298,825 29,233.06% 4 127,680 110,166,219 0.12% 1,659,278 1,299.56% - - - - - 5 197,255 16,696,335 1.18% 312,752 158.55% 59,887 43,226,771 0.14% 377,586 630.50% 6 59,887 2,760 14,458,361 0.02% 145,213 5,261.34% 1,279,307 323,934,603 0.39% 4,758,137 371.93% 40,942 15,284,567 0.27% 575,309 1,405.18% 7-1,746,456-17,971-217
102 12 31 1 2 3 683,919 33,492,451 2.04% 858,111 125.47% 12,826 85,087,569 0.02% 1,177,351 9,179.41% 4 129,852 108,959,120 0.12% 1,243,113 957.33% - - - - - 5 206,995 16,336,493 1.27% 365,978 176.81% 6 49,679 37,956,817 0.13% 434,241 874.09% 5,404 14,948,062 0.04% 184,686 3,417.58% 1,088,675 296,780,512 0.37% 4,263,480 391.62% 39,256 15,599,122 0.25% 630,531 1,606.20% 7-2,161,061-13,791-1 94 7 6 0944000378 2 3 4 5 94 12 19 09440010950 218
6 7 94 7 19 094000494 3 1031231 1021231 1 243,416 645,026 336,679 869,163 2 626,478 1,251,228 617,379 1,335,762 869,894 1,896,254 954,058 2,204,925 1 95 4 25 09510001270 2 97 9 15 09700318940 219
2. 1031231 3 1 2 1 A 2413 3,901,222 11% 2 B 6499 3,572,095 10% 3 C 1700 3,228,482 9% 4 D 6499 3,085,501 9% 5 E 1850 3,050,978 8% 6 F 2699 2,252,747 6% 7 G 6430 2,239,291 6% 8 H 4390 2,181,230 6% 9 I 5232 2,147,570 6% 10 J 2411 2,000,027 6% 1021231 3 1 2 1 B 6499 2,954,572 10% 2 A 2413 2,722,306 9% 3 I 5232 2,704,050 9% 4 K 2613 2,325,952 8% 5 E 1850 2,272,093 8% 220
1021231 3 1 2 6 L 3510 1,907,900 7% 7 D 6499 1,855,695 6% 8 F 2699 1,819,371 6% 9 M 6499 1,807,757 6% 10 N 6811 1,644,128 6% 1 A 2 3 221
3. 103 12 31 91 180 1 8 1 1 90 1 1 257,763,988 130,137,405 4,141,518 24,621,619 416,664,530 157,527,231 136,633,128 60,281,840 21,195,411 375,637,610 100,236,757 ( 6,495,723 ) ( 56,140,322 ) 3,426,208 41,026,920 35,675,987 110.92% 115.00% 102 12 31 91 180 1 8 1 1 90 1 1 260,953,971 121,028,199 4,401,458 22,164,593 408,548,221 154,343,200 131,243,929 63,713,243 22,514,955 371,815,327 106,610,771 ( 10,215,730 ) ( 59,311,785 ) ( 350,362 ) 36,732,894 28,500,442 109.88% 128.89% 1 2 3 4 103 12 31 91 180 1 8 1 1 90 1 1 1,505,658 117,431 40,909 8,171 1,672,169 1,344,105 537,254 252,204 150,225 2,283,788 161,553 ( 419,823 ) ( 211,295 ) ( 142,054 ) ( 611,619 ) 34,631 73.22% ( 1,766.10% ) 222
102 12 31 91 180 1 8 1 1 90 1 1 1,410,040 76,741 1,811 16,286 1,504,878 1,165,852 642,234 99,718 150,000 2,057,804 244,188 ( 565,493 ) ( 97,907 ) ( 133,714 ) ( 552,926 ) 25,516 73.13% ( 2,166.98% ) 1 2 3 4 4. 103 102 0.85% 0.74% 0.73% 0.64% 13.18% 12.87% 11.33% 11.05% 33.97% 32.10% 1 2 3 5. (1) 103 12 31 0 10 11 30 31 90 91 180 181 1 1 564,881,437 80,092,042 95,297,874 51,367,144 38,346,907 52,805,214 246,972,256 663,811,998 48,379,115 72,372,460 112,170,875 120,292,920 176,708,343 133,888,285 ( 98,930,561 ) 31,712,927 22,925,414 ( 60,803,731 ) ( 81,946,013 ) ( 123,903,129 ) 113,083,971 102 12 31 0 10 11 30 31 90 91 180 181 1 1 526,438,358 102,897,040 79,884,556 40,751,607 31,699,709 34,169,403 237,036,043 532,097,824 51,590,560 55,866,937 115,517,387 71,415,914 104,731,253 132,975,773 ( 5,659,466 ) 51,306,480 24,017,619 ( 74,765,780 ) ( 39,716,205 ) ( 70,561,850 ) 104,060,270 223
(2) 103 12 31 1 30 31 90 91 180 181 1 1 7,215,768 2,630,130 1,306,365 1,141,403 1,211,157 926,713 7,467,521 3,157,495 1,539,149 995,827 1,197,092 577,958 ( 251,753 ) ( 527,365 ) ( 232,784 ) 145,576 14,065 348,755 102 12 31 1 30 31 90 91 180 181 1 1 5,537,675 2,200,168 1,452,976 702,668 559,903 621,960 5,583,964 2,969,093 972,137 704,181 527,490 411,063 ( 46,289 ) ( 768,925 ) 480,839 ( 1,513 ) 32,413 210,897 224
103 12 31 32,736,013 33,243,204 - - 13,504,626 14,018,501 46,240,639 47,261,705 323,785,850 324,818,191 - - 317,180 317,180 14,442,463 14,223,250 - - - - 19,759,250 19,804,188 - - 358,304,743 359,162,809 12.91% 13.16% 9.14% 9.26% 9.14% 9.26% 5.50% 5.58% 102 12 31 25,690,005 26,238,006 - - 13,123,625 13,676,786 38,813,630 39,914,792 288,008,208 291,547,743 - - - - 13,241,600 12,714,700 - - - - 10,309,788 10,309,788 - - 311,559,596 314,572,231 12.46% 12.69% 8.25% 8.34% 8.25% 8.34% 4.58% 4.68% 225
1 101 11 26 2 3 (1) (2) 12.5 (3) (4) (5) (6) = IFRS 8 ( ) ( ) ( ) 226
103 $ 4,370,575 $ 2,200,219 ( $ 1,191,258 ) $ 5,379,536 2,306,226 442,556 165,355 2,914,137 462,824 1,763,577 356,874 2,583,275 7,139,625 4,406,352 ( 669,029 ) 10,876,948 183,525 109,304 ( 363,147 ) ( 70,318 ) ( 4,773,909 ) ( 1,183,903 ) ( 552,684 ) ( 6,510,496 ) $ 2,549,241 $ 3,331,753 ( $ 1,584,860 ) $ 4,296,134 102 $ 4,141,159 $ 1,856,007 ( $ 1,112,799 ) $ 4,884,367 2,434,664 382,128 154,516 2,971,308 289,168 1,391,663 1,556 1,682,387 6,864,991 3,629,798 ( 956,727 ) 9,538,062 ( 39,964) 336,015 ( 277,880 ) 18,171 ( 4,514,780 ) ( 1,042,049 ) ( 436,297 ) ( 5,993,126 ) $ 2,310,247 $ 2,923,764 ( $ 1,670,904 ) $ 3,563,107 ( ) ( ) 1. 2. 3. 4. 10% 5. 10% 6. 10% 7. 8. 10% 9. 10. 227
11. 12. 13. ( ) 228
103 1 1 12 31 98,000 $ 799,971 - $ - 98,000 $ 723,240 $ 799,657 ( $ 78,587 ) - $ - 2,170 229
103 12 31 2 207 7 189 6 3 189 6 3 88 4 4 14 24 3 207 17 B 5 7 51 2 400 8 2 218 15 3 81 1 5 A 139 3 39 2 40.00 $ 128,845 ( $ 14,983 ) 12,000-12,000 40.00 100.00 227,727 163,434 3,000-3,000 100.00 100.00 15,861 8,725 350-350 100.00 22.06 1,463,169 77,898 95,524-95,524 22.07 100.00 568,856 ( 74,264 ) 120,000-120,000 100.00 100.00 205,075 5,953 20,000-20,000 100.00 0.40 800-80 - 80 0.40 3.46 2,073-207 - 207 3.46 1.14 45,500-5,119-5,119 1.14 4.99 74,850-7,485-7,485 4.99 10.00 3,000-300 - 300 10.00 1.76 50,006-2,238-2,238 1.76 230
103 1 1 12 31 0 $ 255,299 0.05 0 3,002 0.03 0 301,106 2.77 0 3,472-0 3,472 0.03 0 17,050-0 6,030 0.06 0 135,710 0.03 0 115,003 0.02 1 115,579 0.02 1 139,720 0.03 1 3,002 0.03 1 3,472-1 3,472 0.03 1 301,106 2.77 1 3,815 0.04 2 12,550-2 4,500-2 6,030 0.06 3 135,710 0.03 4 115,003 0.02 4 3,815 0.04 1. 0 2. 1 231
232
233
2845 103 102 2 207 27 (02)2378-6868 234
103 102 12 31 103 102 1 1 12 31 103 102 12 31 103 102 1 1 12 31 103 0990031652 0980032818 104 3 20 235
103 102 12 31 103 12 31 102 12 31 11000 $ 8,018,266 2 $ 4,301,045 1 11500 78,125,478 15 88,876,281 18 12000 25,430,620 5 18,795,444 4 12300 40,439-111,034-12500 14,385,710 3 23,006,325 5 13000 18,738,407 4 20,465,440 4 13200 25,651 - - - 13500 319,176,466 61 292,517,032 59 14000 30,518,170 6 21,735,693 4 14500 3,991,084 1 3,105,972 1 15000 2,609,533-2,661,857 1 15513 6,971,873 1 8,477,868 2 15597 7,752,695 1 2,661,695-18500 2,781,602 1 2,809,277 1 19000 1,801,534-1,830,904-19300 822,423-576,972-19500 154,888-172,847-10000 $ 521,344,839 100 $ 492,105,686 100 236
103 12 31 102 12 31 21000 $ 11,496,870 2 $ 13,782,129 3 22000 11,055,294 2 7,288,065 1 22300 5,204-12,631-22500 4,391,451 1 1,299,471-23000 5,537,456 1 13,443,426 3 23200 225,465-5,277-23500 423,765,479 81 398,665,473 81 24000 25,479,749 5 27,103,885 6 25500 1,844,152 1 396,054-25600 762,276-754,125-29500 518,711-402,066-20000 485,082,107 93 463,152,602 94 31101 28,618,263 6 23,621,182 5 31501 462,400-34,923-32001 3,382,816-2,511,684-32003 304,122-179,722-32011 3,697,426 1 2,903,770 1 32000 7,384,364 1 5,595,176 1 32521 67,264-16,264-32523 ( 269,559) - ( 314,461) - 32500 ( 202,295) - ( 298,197) - 30000 36,262,732 7 28,953,084 6 $ 521,344,839 100 $ 492,105,686 100 237
103 102 1 1 12 31 103 102 41000 $ 12,251,873 116 $ 11,263,165 122 9 51000 6,876,102 65 6,378,340 69 8 49010 5,375,771 51 4,884,825 53 10 49100 2,445,971 23 2,536,530 27 ( 4) 49200 1,592,197 15 1,097,798 12 45 49300 99,085 1 47,402 1 109 49600 566,086 5 201,117 2 181 47003 166,763 2 231,254 2 ( 28) 49821 187,343 2 202,457 2 ( 7) 49899 137,536 1 53,821 1 156 49020 5,194,981 49 4,370,379 47 19 4xxxx 10,570,752 100 9,255,204 100 14 58200 70,361 1 ( 18,093) - 489 238
103 102 58500 $ 3,638,611 34 $ 3,373,247 37 8 59000 210,259 2 226,311 2 ( 7) 59500 2,391,923 23 2,147,178 23 11 58400 6,240,793 59 5,746,736 62 9 61001 4,259,598 40 3,526,561 38 21 61003 565,075 5 465,291 5 21 64000 3,694,523 35 3,061,270 33 21 65001 51,000 1 7,133-615 65011 34,939 - ( 125,353) ( 1) 128 65043 10,883 - ( 14,628) - 174 65000 96,822 1 ( 132,848) ( 1) 66000 $ 3,791,345 36 $ 2,928,422 32 29 67501 $ 1.31 $ 1.24 67701 $ 1.13 $ 1.14 239
103 102 1 1 12 31 A1 102 1 1 $ 22,422,596 $ 22,348 $ 1,742,672 101 B1 - - 769,012 B3 - - - B5 0.230 - - - B9 0.493 1,105,434 - - 1,105,434-769,012 C7 - - - D1 102 - - - D3 102 - - - D5 102 - - - N1 93,152 12,575 - Z1 102 12 31 23,621,182 34,923 2,511,684 E1 3,650,000 425,761-102 B1 - - 871,132 B3 - - - B5 0.250 - - - B9 0.449 1,224,476 - - 1,224,476-871,132 D1 103 - - - D3 103 - - - D5 103 - - - N1 122,605 1,716 - Z1 103 12 31 $ 28,618,263 $ 462,400 $ 3,382,816 240
$ 4,554 $ 2,405,786 $ 9,131 ($ 173,800) $ 26,433,287 - ( 769,012) - - - 173,800 ( 173,800) - - - - ( 515,720) - - ( 515,720) - ( 1,105,434) - - - 173,800 ( 2,563,966) - - ( 515,720) 1,368 - - - 1,368-3,061,270 - - 3,061,270-680 7,133 ( 140,661) ( 132,848) - 3,061,950 7,133 ( 140,661) 2,928,422 - - - - 105,727 179,722 2,903,770 16,264 ( 314,461) 28,953,084 - - - - 4,075,761 - ( 871,132) - - - 124,400 ( 124,400) - - - - ( 681,779) - - ( 681,779) - ( 1,224,476) - - - 124,400 ( 2,901,787) - - ( 681,779) - 3,694,523 - - 3,694,523-920 51,000 44,902 96,822-3,695,443 51,000 44,902 3,791,345 - - - - 124,321 $ 304,122 $ 3,697,426 $ 67,264 ($ 269,559) $ 36,262,732 241
103 102 1 1 12 31 103 102 A00010 $ 4,259,598 $ 3,526,561 A20000 A20100 179,375 186,327 A20200 30,884 39,984 A20300 70,361 ( 18,093) A20400 27,808 927,647 A20900 6,876,102 6,378,340 A21200 ( 12,251,873) ( 11,263,165) A21300 ( 69,177) ( 75,482) A22400 ( 166,763) ( 231,254) A29900 917,883 1,330,422 A29900 ( 29,889) ( 29,325) A40000 A41110 ( 4,000,746) 1,635,931 A41120 ( 6,662,984) ( 3,612,256) A41150 1,832,444 ( 507,850) A41160 ( 27,959,190) ( 13,392,924) A41170 ( 8,792,969) ( 10,047,589) A41180 ( 660,120) ( 895,829) A41190 1,506,018 2,236,740 A42110 ( 2,285,259) 2,107,171 A42120 3,741,584 3,108,608 A42150 ( 7,774,248) 8,371,354 A42160 25,100,006 6,223,612 A33000 ( 26,111,155) ( 4,001,070) A33100 12,175,592 11,264,063 A33200 69,177 75,482 A33300 ( 6,745,214) ( 6,481,031) A33500 ( 598,598) ( 163,320) AAAA ( 21,210,198) 694,124 242
103 102 B01200 ($ 74,850) $ - B02700 ( 150,660) ( 122,802) B02800 105 80 B06500 ( 4,755,579) 93,431 B06700 16,445 1,191 B07600 229,970 352,898 BBBB ( 4,734,569) 324,798 C01200-4,481,250 C01400 1,100,000 4,000,000 C01500 ( 3,000,000) ( 4,000,500) C02000 3,091,980 1,299,471 C04200 1,448,098 ( 511,951) C04300 118,003 2,784 C04500 ( 681,779) ( 515,720) C04700 4,075,761 - CCCC 6,152,063 4,755,334 DDDD 137,761 ( 25,115) EEEE ( 19,654,943) 5,749,141 E00100 100,979,789 95,230,648 E00200 $ 81,324,846 $ 100,979,789 103 12 31 102 12 31 E00210 $ 8,018,266 $ 4,301,045 E00220 7 58,920,870 73,672,419 E00230 7 14,385,710 23,006,325 E00200 $ 81,324,846 $ 100,979,789 243
103 102 1 1 12 31 81 1 11 4 11 ( )( ) ( ) ( ) 103 12 31 55 1 103 1 104 3 20 ( ) IASB IFRS IASIFRICSIC 2010 IFRS IAS IFRIC SICIFRSs 1030010325 104 IASB 2013 IFRSs 244
2013 IFRSs IASB IFRSs IFRSs IAS 39 2009 2009 1 1 2010 1 1 IAS 39 2009 6 30 IFRSs 2010 2010 7 1 2011 1 1 2009-2011 2013 1 1 IFRS 1 IFRS 7 2010 7 1 IFRS 1 2011 7 1 IFRS 1 2013 1 1 IFRS 7 2013 1 1 IFRS 7 2011 7 1 IFRS 11 2013 1 1 IFRS 12 2013 1 1 IFRS 11 IFRS 12 2013 1 1 IFRS 12 IAS 27 2014 1 1 IFRS 13 2013 1 1 IAS 1 2012 7 1 IAS 12 2012 1 1 IAS 19 2013 1 1 IAS 27 2013 1 1 IAS 28 2013 1 1 IAS 32 2014 1 1 IFRIC 20 2013 1 1 2013 IFRSs 1. IFRS 12 IFRS 12 2. IFRS 13 IFRS 13 245
IFRS 13 IFRS 13 104 3. IAS 1 (1)(2) 104 4. IAS 19 246
104 IAS19 2010 IFRSs 2013 IFRSs 103 12 31 $ 822,423 $ 37,937 $ 860,360 $ 596,927 $ 223,161 $ 820,088 $ 7,384,364 ( $ 185,224 ) $ 7,199,140 $ 36,262,732 ( $ 185,224 ) $ 36,077,508 103 1 1 $ 576,972 $ 18,982 $ 595,954 $ 609,401 $ 111,657 $ 721,058 $ 5,595,176 ( $ 92,675 ) $ 5,502,501 $ 28,953,084 ( $ 92,675 ) $ 28,860,409 103 1 1 12 31 $ 3,694,523 $ 3,557 $ 3,698,080 $ 3,791,345 ( $ 92,549 ) $ 3,698,796 ( ) IASB IFRSs IASB IFRSs 2013 IFRSs IASB 1 2010-2012 2014 7 1 2 2011-2013 2014 7 1 2012-2014 2016 1 1 4 IFRS 9 2018 1 1 IFRS 9 IFRS 7 2018 1 1 IAS 28 2016 1 1 3 IFRS 12 IAS 28 2016 1 1 IFRS 11 2016 1 1 IFRS 14 2016 1 1 IFRS 15 2017 1 1 IAS 1 2016 1 1 IAS 16 IAS 38 2016 1 1 IAS 16 IAS 41 2016 1 1 IAS 19 2014 7 1 IAS 27 2016 1 1 IAS 36 2014 1 1 IAS 39 2014 1 1 IFRIC 21 2014 1 1 1 247
2 2014 7 1 IFRS 2 2014 7 1 IFRS 3 IFRS 13 2014 7 1 3 2016 1 1 4 IFRS 5 2016 1 1 1. IFRS 9 IAS 39 IFRS 9 (1) (2) 248
IFRS 9 IFRS 15 12 IFRS 9 IAS 39 (1) (2) (3) 2. IAS 36 IASB IFRS 13 IAS 36 IAS 36 249
3. IFRS 15 IFRS 15 IAS 18 IAS 11 IFRS 15 (1) (2) (3) (4) (5) IFRS 15 4. IAS 1 ( ) ( ) 250
( ) ( ) ( ) 251
( ) ( ) ( ) ( ) 252
( ) () 1. 253
(1) A. B. C. (2) (3) 254
(4) 2. A. B. C. D. (1) 255
(2) (3) 256
3. 1. (1) (2) 2. 257
() 258
() () () 10% () 259
1. 10% 2. 3. 260
( ) ( ) ( ) ( ) ( ) ( ) 261
( ) 1031231 1021231 $ 3,008,181 $ 2,645,232 4,404,964 1,342,899 605,121 312,914 $ 8,018,266 $ 4,301,045 1031231 1021231 $ 59,175,000 $ 60,630,000 2,528,160 10,254,670 6,161,365 8,217,629 9,829,608 9,673,862 53,323 51,094 378,022 49,026 $ 78,125,478 $ 88,876,281 103 102 12 31 7 58,920,870 73,672,419 262
1031231 1021231 $ 5,290,216 $ 882,925 2,217,126 2,746,609 1,871,225 268,332 1,353,885 1,617,257 306,413 309,544 287,779 332,666 266,689 72,196 209,311 84,486 159,217 198,031 158,729 149,162 158,689-84,603 94,932 12,363,882 6,756,140 13,066,738 12,039,304 $ 25,430,620 $ 18,795,444 $ 5,259,651 $ 5,104,453 2,496,196 732,643 1,871,173 267,657 373,468 261,269 341,192 244,551 293,178 121,926 266,431 443,859 129,514 80,818 24,491 30,889 $ 11,055,294 $ 7,288,065 263
1031231 1021231 $ 288,640,504 $ 94,772,462 250,272,724 153,416,684 146,306,832 136,533,414 32,011,721 25,498,215 22,366,930 10,438,487 21,960,764 20,136,950 18,254,846 20,062,578 11,893,669 31,862,475 2,889,347 2,247,545 173,483 554,681 103 102 ( $ 1,458,576 ) ( $ 485,820 ) 3,050,773 1,583,618 $ 1,592,197 $ 1,097,798 103 12 31 158,305 102 12 31 1031231 1021231 $ 40,439 $ 111,034 $ 5,204 $ 12,631 103 102 12 31 3,900,000 4,600,000 264
103 102 $ 63,168 $ 69,020 $ 63,168 $ 69,020 1031231 1021231 $ 13,274,146 $ 19,375,114 1,111,564 1,507,075-2,124,136 $ 14,385,710 $ 23,006,325 104.01.05-103.01.02-104.02.10 103.03.26 $ 14,390,592 $ 23,012,026 1031231 1021231 $ 15,391,769 $ 15,687,152 1,746,456 2,161,061 772,863 696,077 405,367 457,605 368,208 1,434,927 355,724 384,110 319,566 324,423 19,359,953 21,145,355 621,546 679,915 $ 18,738,407 $ 20,465,440 1031231 1021231 $ 167,992 $ 159,359 56,046,303 48,538,897 129,396,798 114,720,520 137,346,050 132,602,309 977,460 759,427 323,934,603 296,780,512 4,758,137 4,263,480 $ 319,176,466 $ 292,517,032 265
103 $ 4,263,480 $ 1,109,571 $ 5,373,051 420,060 ( 369,861 ) 50,199 ( 570,261 ) ( 413,822 ) ( 984,083 ) 623,534 294,349 917,883 21,324 1,474 22,798 $ 4,758,137 $ 621,711 $ 5,379,848 102 $ 3,582,006 $ 1,174,864 $ 4,756,870 99,273 ( 181,328 ) ( 82,055 ) ( 413,844 ) ( 219,480 ) ( 633,324 ) 991,829 338,593 1,330,422 4,216 ( 3,078 ) 1,138 $ 4,263,480 $ 1,109,571 $ 5,373,051 103 102 $ 420,060 $ 99,273 ( 369,861 ) ( 181,328 ) 20,162 63,962 $ 70,361 ( $ 18,093 ) 103 102 1031231 1021231 $ 2,912,152 $ 674,639 $ 3,431,546 $ 638,734 1,671,366 348,699 1,678,136 522,824 5,074,384 50,744 2,841,768 14,209 314,276,701 3,684,055 288,829,062 3,087,713 $ 323,934,603 $ 4,758,137 $ 296,780,512 $ 4,263,480 266
1031231 1021231 $ 6,053 $ 2,602 $ 651,446 $ 591,524 2,014,332 553,088 2,357,854 577,306 9,578,134-10,058,136-15,796,461 66,021 16,217,289 90,491 $ 27,394,980 $ 621,711 $ 29,284,725 $ 1,259,321 1031231 1021231 $ 13,963,872 $ 13,619,393 10,891,647 5,045,261 4,327,881 1,243,923 827,187 1,109,537 507,583 717,579 $ 30,518,170 $ 21,735,693 103 102 12 31 99,913 183,200 103 102 12 31 4,103,414 1,119,919 1031231 1021231 $ 2,642,131 $ 1,057,373 621,092 1,150,099 475,770 898,500 252,091 - $ 3,991,084 $ 3,105,972 267
1031231 1021231 $ 1,017,519 $ 1,096,002 1,592,014 1,565,855 $ 2,609,533 $ 2,661,857 ( ) 1031231 1021231 $ 568,856 100.00 $ 645,137 100.00 227,727 100.00 233,376 100.00 205,075 100.00 199,122 100.00 15,861 100.00 18,367 100.00 $ 1,017,519 $ 1,096,002 ( ) 1031231 1021231 $ 1,463,169 22.06 $ 1,421,984 22.06 128,845 40.00 143,871 40.00 $ 1,592,014 $ 1,565,855 1031231 1021231 $ 45,023,519 $ 50,969,110 $ 38,068,120 $ 44,162,861 103 102 $ 901,857 $ 1,101,101 $ 315,695 $ 294,952 $ 58,570 ( $ 64,688 ) 268
( ) 103 102 $ 163,434 $ 169,084 ( 74,264 ) 4,548 8,725 11,231 5,953 ( 10,782 ) 77,898 74,756 ( 14,983 ) ( 17,583 ) $ 166,763 $ 231,254 1031231 1021231 $ 4,244,125 $ 4,794,018 1,268,720-824,668 2,935,100 634,360 - - 748,750 $ 6,971,873 $ 8,477,868 102 12 31 149,750 103 12 31 1031231 1021231 $ 286 $ 490,393 165 429,656 121 60,737 3 3,893,589 247,400 2,607,429 1,585,442 600,554 200,233 474,773 466,504 176,229 101,379 $ 7,752,695 $ 2,661,695 269
1031231 1021231 $ 74,850 $ - 50,006 50,006 45,500 45,500 3,000 3,000 2,073 2,073 800 800 $ 176,229 $ 101,379 103 6 74,850 4.99% 103 $ 1,581,625 $ 1,239,899 $ 1,301,226 $ 5,995 $ 1,363,948 $ 14,845 $ 5,507,538-5,849 70,692 213 40,575 33,331 150,660 - ( 331 ) ( 29,591 ) ( 76 ) ( 38,166 ) - ( 68,164 ) - - 21,135-6,738 ( 25,097 ) 2,776 1,581,625 1,245,417 1,363,462 6,132 1,373,095 23,079 5,592,810-529,302 958,844 5,736 1,204,379-2,698,261-25,367 98,208 184 55,616-179,375 - ( 274 ) ( 29,553 ) ( 76 ) ( 38,156 ) - ( 68,059 ) - - 1,026-605 - 1,631-554,395 1,028,525 5,844 1,222,444-2,811,208 $ 1,581,625 $ 691,022 $ 334,937 $ 288 $ 150,651 $ 23,079 $ 2,781,602 102 $ 1,581,625 $ 1,236,633 $ 1,354,797 $ 6,234 $ 1,343,085 $ 22,076 $ 5,544,450-3,517 52,166 57 30,380 36,682 122,802 - ( 550 ) ( 142,190 ) ( 296 ) ( 17,358 ) - ( 160,394 ) - 299 36,453-7,841 ( 43,913 ) 680 1,581,625 1,239,899 1,301,226 5,995 1,363,948 14,845 5,507,538-504,648 998,036 5,841 1,163,318-2,671,843-25,181 102,482 191 58,473-186,327 - ( 550 ) ( 142,140 ) ( 296 ) ( 17,556 ) - ( 160,542 ) - 23 466-144 - 633-529,302 958,844 5,736 1,204,379-2,698,261 $ 1,581,625 $ 710,597 $ 342,382 $ 259 $ 159,569 $ 14,845 $ 2,809,277 270
555 37 37 220 1031231 1021231 $ 1,538,210 $ 1,538,210 428,887 428,887 1,967,097 1,967,097 165,563 136,193 $ 1,801,534 $ 1,830,904 99 4 B 4 15 1031231 1021231 $ 143,673 $ 165,084 11,215 7,763 $ 154,888 $ 172,847 1031231 1021231 $ 11,048,017 $ 13,441,942 333,802 309,011 115,051 31,176 $ 11,496,870 $ 13,782,129 1031231 1021231 $ 4,082,741 $ 1,118,018 158,206-150,504 181,453 $ 4,391,451 $ 1,299,471 104.01.06-103.01.07-104.03.30 103.01.24 $ 4,421,095 $ 1,302,319 271
1031231 1021231 $ 1,434,213 $ 1,354,065 1,201,038 8,836,221 853,203 813,465 605,120 312,914 355,724 384,110 275,779 691,079 187,034 431,101 625,345 620,471 $ 5,537,456 $ 13,443,426 1031231 1021231 $ 2,548,513 $ 2,584,658 43,772,901 46,271,639 58,545,999 54,822,689 82,186,606 85,924,264 21,989,500 24,392,500 214,677,389 184,653,164 44,571 16,559 $ 423,765,479 $ 398,665,473 1031231 1021231 $ 21,039,435 $ 23,002,603 4,440,314 4,101,282 $ 25,479,749 $ 27,103,885 1031231 1021231 94 4 10 94.08.26-104.08.26 08.26 $ 3,000,000 $ 3,000,000 2.30% 96 1 7 96.02.13-103.02.13 A 02.13-2,000,000 B 02.13 2.55% 96 2 7 96.03.12-103.03.12 03.12-1,000,000 272
1031231 1021231 97 1 7 97.06.17-104.06.17 A 06.17 $ 2,400,000 $ 2,400,000 3.90% B 06.17 99 1 7 99.05.18-106.05.18 05.18 2,000,000 2,000,000 2.98% 99 2 7 99.09.29-106.09.29 09.29 2,000,000 2,000,000 2.10% 100 1 7 100.11.10-107.11.10 11.10 3,500,000 3,500,000 1.95% 101 1 7 101.06.27-108.06.27 06.27 3,000,000 3,000,000 1.75% 102 1 7 102.11.06-109.11.06 11.06 4,000,000 4,000,000 2.10% 103 1 7 103.12.23-110.12.23 12.23 1,100,000-2.05% 94 1-1 101.06.28 3,960 3,960 7 91 1-1 98.06.28 240 240 7 21,004,200 22,904,200 35,235 98,403 $ 21,039,435 $ 23,002,603 102 2 7 5 150,000 20 0% 4,009,661 471,589 38,252 2.63% 433,337 ( ) 101.89% ( ) 1. 30 30 20 273
130% 0.375% 2. 90% 3. ( ) 1. 2. 41 10 (1) 60 30 5 (2) 15 1 (3) 3. 4. 15.24 103 12 31 13.18 1 29.569 274
5. (1) 30 (2) (3) 1031231 1021231 $ 1,664,080 $ 214,247 180,072 181,807 $ 1,844,152 $ 396,054 1031231 1021231 $ 596,927 $ 609,401 165,349 144,724 $ 762,276 $ 754,125 6% 6 2% 275
2 1031231 1021231 2.00% 2.25% 1.25% 1.50% 2.50% 2.50% 103 102 $ 11,595 $ 12,106 22,099 16,881 ( 3,666 ) ( 4,325 ) 2,554 1,059 ( 1,200 ) ( 1,200 ) $ 31,382 $ 24,521 103 102 $ 1,004,927 $ 978,015 11,595 12,106 22,099 16,881 115,890 21,361 ( 13,899 ) ( 18,868 ) ( 26,213 ) ( 4,568 ) $ 1,114,399 $ 1,004,927 1031231 1021231 $ 1,114,399 $ 1,004,927 294,311 283,869 820,088 721,058 ( 244,005 ) ( 133,701 ) 20,844 22,044 $ 596,927 $ 609,401 276
103 102 $ 283,869 $ 279,571 3,666 4,325 3,032 ( 768 ) 17,643 19,609 ( 13,899 ) ( 18,868 ) $ 294,311 $ 283,869 103 102 6,698 3,557 1031231 1021231 49.69% 44.77% 28.36% 31.58% 19.12% 22.86% 2.83% 0.79% 100.00% 100.00% 1031231 1021231 1011231 10111 $ 1,114,399 $ 1,004,927 $ 978,015 $ 857,300 $ 294,311 $ 283,869 $ 279,571 $ 260,879 $ 820,088 $ 721,058 $ 698,444 $ 596,421 ( $ 80,779 ) ( $ 91,302 ) ( $ 52,368 ) $ - $ 3,032 ( $ 768 ) ( $ 2,788 ) $ - 103 102 12 31 18,084 20,099 1031231 1021231 $ 359,858 $ 261,284 92,074 78,725 47,020 40,984 19,759 21,073 $ 518,711 $ 402,066 277
( ) 1031231 1021231 4,500,000 4,500,000 $ 45,000,000 $ 45,000,000 2,861,826 2,362,118 $ 28,618,263 $ 23,621,182 10 103 1 11.25 365,000 18,250,000 20 7.4 135,050 3,650,000 425,761 ( ) ( ) 30% 1. 92% 2. 2% 3. 6% 10% 278
15% 25% 103 6 24 102 6 19 102 101 102 101 102 101 $ 871,132 $ 769,012 124,400 173,800 681,779 515,720 $ 0.250 $ 0.230 1,224,476 1,105,434 0.449 0.493 $ 2,901,787 $ 2,563,966 IFRSs IFRS 1 165,761 140,970 102 101 102 12,260 1 10.14 1,716 101 9,315 1 11.35 12,575 279
87 10% 104 3 20 103 $ 1,108,357 ( 95,903 ) 1,144,730 $ 0.400 1,536,801 0.537 $ 3,693,985 174,882 58,294 103 103 104 6 16 ( ) 103 102 ( $ 314,461 ) ( $ 173,800 ) 94,516 ( 130,621 ) ( 59,577 ) 5,268 9,963 ( 15,308 ) ( $ 269,559 ) ( $ 314,461 ) 280
103 102 $ 9,943,980 $ 9,142,527 1,009,197 1,028,807 589,663 607,783 390,261 296,999 124,922 8,554 193,850 178,495 12,251,873 11,263,165 3,351,436 3,316,328 2,677,018 2,414,119 490,677 475,285 204,108 127,584 152,863 45,024 6,876,102 6,378,340 $ 5,375,771 $ 4,884,825 103 102 $ 943,517 $ 964,930 930,649 952,297 829,629 874,306 204,962 181,788 2,908,757 2,973,321 122,272 101,664 94,233 102,093 82,960 85,029 39,816 35,527 39,267 41,682 84,238 70,796 462,786 436,791 $ 2,445,971 $ 2,536,530 281
103 102 $ 35,244 $ 63,406 14,378 8,676 ( 1,394,210 ) 1,691,011 2,991,013 243,718 ( 26,420 ) 18,634 1,570,383 1,953,363 ( 120,382 ) ( 2,236,821 ) 43,278 1,311,632 49,296 ( 2,458 ) ( 27,808 ) ( 927,647 ) $ 1,592,197 $ 1,097,798 103 102 $ 2,704,235 $ 2,530,178 233,176 165,761 214,051 196,044 155,681 174,318 138,270 125,994 193,198 180,952 $ 3,638,611 $ 3,373,247 103 102 12 31 2,528 2,481 103 102 $ 179,375 $ 186,327 $ 30,884 $ 39,984 282
103 102 $ 556,626 $ 355,923 473,945 471,795 389,400 386,849 172,045 151,715 167,013 171,159 632,894 609,737 $ 2,391,923 $ 2,147,178 ( ) 103 102 $ 499,608 $ 123,166 ( 25,651 ) ( 2,444 ) 473,957 120,722 91,118 344,569 $ 565,075 $ 465,291 103 102 $ 4,259,598 $ 3,526,561 $ 724,132 $ 599,515 ( 791,108 ) ( 180,986 ) 66,976 199,225 - ( 617,754 ) 483,339 96,386 198-16,071 26,780 499,608 123,166 ( 25,651 ) ( 2,444 ) 91,118 344,569 $ 565,075 $ 465,291 103 10% 104 104 283
( ) 103 $ 379,836 $ - $ - $ 379,836 81,345 657-82,002 40,054 60,764-100,818 9,678 25,338-35,016 510,913 86,759-597,672 66,059 ( 177,877 ) 336,569 224,751 $ 576,972 ( $ 91,118 ) $ 336,569 $ 822,423 102 $ 286,491 $ 93,345 $ - $ 379,836 81,289 56-81,345 ( 67,012 ) 107,066-40,054 12,380 ( 2,702 ) - 9,678 313,148 197,765-510,913 613,741 ( 540,648 ) ( 7,034 ) 66,059 1,686 ( 1,686 ) - - $ 928,575 ( $ 344,569 ) ( $ 7,034 ) $ 576,972 ( ) 1031231 1021231 106 $ 1,842,760 $ 1,128,545 107 1,055,725 - $ 2,898,485 $ 1,128,545 ( ) 103 12 31 106 $1,842,760 107 2,243,822 110 133,968 $4,220,550 284
( ) 87 1031231 1021231 $273,569 $ 104,422 103 102 13.49% 16.58% 87 103 102 10 17 10204562810 IFRSs ( ) 101 103 102 $ 1.31 $ 1.24 $ 1.13 $ 1.14 102 102 $ 1.30 $ 1.24 $ 1.20 $ 1.14 285
103 102 $ 3,694,523 $ 3,061,270 ( 82,388 ) 106,215 $ 3,612,135 $ 3,167,485 103 102 2,826,157 2,461,484 336,260 299,230 22,500 14,299 3,184,917 2,775,013 103 3 286
( ) 103 $1,800,000 $ 900,000 $ 1,124 0.39%-0.65% 102 $1,200,000 $ 700,000 $ 871 0.39%-0.44% 287
( ) 103 1 $ 1,310 $ 1,000 $ 1,000 $ - 5 3,006 2,679 2,679-19 159,082 117,190 117,190-1,890,000 1,865,000 1,865,000-847,000 800,000 800,000-700,000 700,000 700,000-500,000 200,000 200,000-607,595 10,212 10,212-750,000 - - - 286,000 - - - / 204,000 - - - 200,000 - - - / 200,000 - - - 200,000 - - - 95,034 - - - 90,000 - - - $ 3,696,081 $ 3,696,081 $ - 102 3 1,332 $ 1,012 $ 1,012 $ - 13 90,502 79,936 79,936-1,845,000 1,845,000 1,845,000-847,000 650,000 650,000-450,000 120,000 120,000-616,777 12,220 12,220-800,000 - - - 500,000 - - - / 383,000 - - - 200,000 - - - 200,000 - - - 200,000 - - - 194,305 - - - $ 2,708,168 $ 2,708,168 $ - 103 1.10%-3.28% $ 39,464 102 1.08%-2.38% $ 41,468 288
( ) 103 $ 130,000 $ 130,000 $ 1,300 0.40% 48,000 48,000 480 0.50% 60,000 30,000 300 0.60% 12,200 9,200 92 0.50% 18,324 5,810 58 0.75% 3,000 3,000 30 0.60% $ 226,010 $ 2,260 102 43,000 $ 38,000 $ 190 0.50% 60,000 30,000 150 0.60% 311,676 12,514 63 0.75% 11,000 11,000 55 0.50% 3,000 3,000 15 0.60% $ 94,514 $ 473 ( ) 1031231 1021231 $ 28,163 $ 70,934 ( ) 103 $ 1,100,000 $ 2,000,000 $ 100,000 $ - $ - $ 50,000 $370,156,386 $ 1,471,135 102 $ 2,050,000 $ 1,350,000 $ 50,000 $ - $ 100,000 $ 200,000 $123,751,482 $ 349,828 ( ) 103 102.05.17~ $ 951,540 ( $ 7,179 ) $ 49,661 105.05.10 103.04.07~ 6,660,780 ( 10,728 ) 320,861 104.12.15 103.03.27~ 222,026 66 592 104.04.10 101.10.25~ 1,026,870 ( 14,813 ) 15,800 111.10.25 103.03.31~ 1,237,002 ( 317 ) 675 104.04.15 2,354 103.11.05~ 378,081 487 1,725 104.03.27 5,875 103.11.17~ 104.03.20 295,515 ( 769 ) 762 289
103.12.10~ $ 158,590 $ 2,707 $ 2,207 104.03.12 102.06.07~ 390,000 14,656 59,271 106.09.02 2,450 102 100.03.28~ 105.05.10 102.04.26~ 103.11.07 101.10.25~ 111.10.25 102.11.04~ 103.04.07 102.12.25~ 103.01.10 100.01.14~ 105.12.20 9,134,750 119,911 6,648,900 15,922 969,631 ( 957 ) 787,683 ( 4,509 ) 149,750 ( 1,485 ) 348,000 44,308 14,056 99,748 4,870 41,453 987 7,446 12,083 500 43,037 872 ( ) 1031231 1021231 5% $ 35,470,076 $ 33,899,289 0%-6.36% 0%-6.36% 103 102 $ 358,307 $ 386,226 ( ) 103 102 $ 301,106 $ 294,682 6,030 5,570 $ 307,136 $ 300,252 290
( ) 103 102 $ 211,011 3 $ 195,195 3 71,023 1 37,955 1 39,535 1 246-70,992 1 62,054 1 43,465 1 45,384 1 $ 436,026 7 $ 340,834 6 ( ) 103 102 $ 175,029 $ 139,913 2,803 2,085 $ 177,832 $ 141,998 1031231 1021231 $ 7,600,000 $ 4,000,000 4,145,300 2,625,000 $ 11,745,300 $ 6,625,000 291
103 102 12 31 ( ) 1031231 1021231 1 $ 341,446 $ 311,681 1 5 738,724 541,939 5 91,556 106,588 $ 1,171,726 $ 960,208 ( ) 1031231 1021231 $ 6,924,007 $ 6,906,582 13,479 11,372 4,549 3,714 43,481,540 40,020,561 5,314,094 5,465,302 1,249,088 395,188 3,436,630 2,543,801 553,127 307,364 $ 60,976,514 $ 55,653,884 $ 1,287 $ 2,696 226 134 3,436,630 2,543,801 56,410,576 51,669,151 1,127,795 1,438,102 $ 60,976,514 $ 55,653,884 292
103 102 $ 42,318 $ 36,572 1,631,075 1,404,805 125,886 112,495-598,885 1,301 2,875 35,937 2,789 1,836,517 2,158,421 30,366 35,095 356 309 14,894 4,607 8,529 507 21 48 8 15 361,687-415,861 40,581 1,420,656 2,117,840 11,632 11,283 $ 1,409,024 $ 2,106,557 1031231 1021231 $ 6,924,007 $ 6,906,582 13,479 11,372 4,549 3,714 43,481,540 40,020,561 5,314,094 5,465,302 489,848 219,799 45,190 43,728 714,050 131,661 3,436,630 2,543,801 553,127 307,364 $ 60,976,514 $ 55,653,884 103 102 12 31 899,990 889,572 293
1031231 1021231 $ 2,530,147 31.718 $ 80,251,204 $ 2,053,034 29.95 $ 61,488,371 1,056,461 4.090 4,320,925 1,363,447 3.862 5,265,631 1,448,012 5.103 7,389,205 333,937 4.948 1,652,319 71,026 25.98 1,845,253 72,714 26.71 1,942,188 394,986 2.74 1,082,262 - - - 3,443,101 0.2650 912,422 4,818,742 0.2852 1,374,305 22,247 38.55 857,640 21,194 41.28 874,882 5,670 49.36 279,895 4,302 49.54 213,136 9,151 24.87 227,575 8,119 24.60 199,737 4,286 27.32 117,087 5,529 28.14 155,582 794 23.98 19,030 10,973 23.68 259,842 2,315,771 31.718 73,451,616 1,987,906 29.95 59,537,783 1,480,170 5.103 7,553,306 335,990 4.948 1,662,476 1,053,730 4.090 4,309,755 1,340,519 3.862 5,177,083 80,277 25.98 2,085,597 77,394 26.71 2,067,198 396,079 2.74 1,085,256 - - - 3,423,630 0.2650 907,262 4,809,643 0.2852 1,371,710 22,156 38.55 854,113 21,196 41.28 874,976 5,675 49.36 280,114 4,307 49.54 213,353 9,067 24.87 225,488 8,134 24.60 200,102 4,244 27.32 115,950 5,520 28.14 155,319 808 23.98 19,377 10,800 23.68 255,747 294
( ) 1031231 1021231 $ 8,018,266 $ 8,018,266 $ 4,301,045 $ 4,301,045 78,125,478 78,125,478 88,876,281 88,876,281 25,430,620 25,430,620 18,795,444 18,795,444 40,439 40,439 111,034 111,034 14,385,710 14,385,710 23,006,325 23,006,325 18,738,407 18,738,407 20,465,440 20,465,440 319,176,466 319,176,466 292,517,032 292,517,032 30,518,170 30,518,170 21,735,693 21,735,693 3,991,084 4,008,076 3,105,972 3,122,487 6,971,873 6,971,873 8,477,868 8,477,868 176,229 176,229 101,379 101,379 7,576,466 7,576,466 2,560,316 2,560,316 11,496,870 11,496,870 13,782,129 13,782,129 11,055,294 11,055,294 7,288,065 7,288,065 5,204 5,204 12,631 12,631 4,391,451 4,391,451 1,299,471 1,299,471 5,537,456 5,537,456 13,443,426 13,443,426 423,765,479 423,765,479 398,665,473 398,665,473 3,935,235 3,935,235 4,698,403 4,698,403 21,544,514 21,544,514 22,405,482 22,405,482 1,844,152 1,844,152 396,054 396,054 ( ) 1. 295
2. 3. 4. ( ) 1. (1) (2) (3) 296
2. 1031231 $ 1,512,574 $ 1,512,574 $ - $ - 287,779 287,779 - - 158,729 158,729 - - 13,066,738 13,066,738 - - 18,291,753 18,291,753 - - 11,399,230-11,399,230-827,187 827,187 - - 10,404,800-10,321,048 83,752 40,439-40,439 - ( 11,055,294 ) - ( 10,774,810 ) ( 280,484 ) ( 5,204 ) - ( 5,204 ) - $ 44,928,731 $ 34,144,760 $ 10,980,703 ( $ 196,732 ) 297
1021231 $ 1,617,257 $ 1,617,257 $ - $ - 332,666 332,666 - - 149,162 149,162 - - 12,039,304 12,030,369 8,935-14,863,316 14,863,316 - - 5,762,840-5,762,840-1,109,537 1,109,537 - - 4,657,055-4,571,329 85,726 111,034-111,034 - ( 7,288,065 ) - ( 6,831,718 ) ( 456,347 ) ( 12,631 ) - ( 12,631 ) - $ 33,341,475 $ 30,102,307 $ 3,609,789 ( $ 370,621 ) 3. 103 $ 85,726 ( $ 11,736 ) $ 26,411 $ - $ 16,649 $ - $ 83,752 298
102 $ 178,293 ( $ 71,362 ) $ 39,121 $ - $ 57,121 $ 3,205 $ 85,726 4. 103 $ 456,347 ( $ 179,498 ) $ 10,912 $ - $ 7,277 $ - $ 280,484 102 $ 67,309 ( $ 37,772 ) $ 439,516 $ - $ 5,387 $ 7,319 $ 456,347 5. 103 102 6. 0.01% 1031231 1021231 $ 1,872 ( $ 2,031 ) $ 1,557 ( $ 1,557 ) 1,917 ( 1,917 ) 1,953 ( 2,402 ) 299
( ) ReutersBloomberg 1. 2. 3. ( ) ( ) 300
( ) 1. 2. 301
(1) A. B. THE BANKER 302
3. (1) (2) (3) (4) (5) 303
4. 1031231 1021231 $ 155,093,979 $ 149,696,272 14,961,059 13,386,770 13,762,549 10,906,749 5. (1) 1031231 1021231 $ 44,775,530 14 $ 37,669,346 13 30,536,243 9 24,137,512 8 14,239,713 4 13,097,447 4 $ 89,551,486 27 $ 74,904,305 25 (2) 304
(3) 1031231 1021231 $ 98,869,296 31 $ 87,963,079 30 167,773,667 51 152,903,889 51 36,270,930 11 35,848,045 12 15,382,835 5 14,076,860 5 5,637,875 2 5,988,639 2 $ 323,934,603 100 $ 296,780,512 100 6. 305
(1) 103 12 31 ( A ) (B) ( C ) (A)+(B)+(C) ( D ) (A)+(B)+ ( C ) ( D ) $182,339,823 $ 83,907,953 $ 48,756,863 $ 355,869 $ 315,360,508 $ 3,990,577 $ 4,583,518 $ 323,934,603 $ 1,023,338 $ 3,734,799 $ 319,176,466 5,591,571 2,383,864 4,992,408 43,440 13,011,283 267,762 2,005,522 15,284,567 538,873 36,436 14,709,258 244,463 413,256 1,433,923-2,091,642 10,539-2,102,181-21,528 2,080,653 102 12 31 ( A ) (B) ( C ) (A)+(B)+(C) ( D ) (A)+(B)+ ( C ) ( D ) $ 164,846,308 $ 75,058,919 $ 46,686,348 $ 307,963 $ 286,899,538 $ 4,771,292 $ 5,109,682 $ 296,780,512 $ 1,161,558 $ 3,101,922 $ 292,517,032 5,644,156 2,265,984 4,972,301 44,201 12,926,642 324,389 2,348,091 15,599,122 561,742 68,789 14,968,591 62,826 399,860 2,076,533-2,539,219 5,952 490,361 3,035,532 429,640 16,879 2,589,013 306
(2) 103 12 31 $ 22,523,707 $ 15,039,944 $ 3,723,746 $ 21,672 $ 41,309,069 31,606,264 26,450,013 36,846,868 155,395 95,058,540 122,447,461 13,199,317 4,307,151-139,953,929 3,983,823 6,472,909 2,027,786 178,802 12,663,320 1,778,568 22,745,770 1,851,312-26,375,650 $ 182,339,823 $ 83,907,953 $ 48,756,863 $ 355,869 $315,360,508 102 12 31 $ 16,542,953 $ 12,613,104 $ 2,044,019 $ 4,858 $ 31,204,934 27,873,775 19,838,900 36,050,272 144,100 83,907,047 115,620,847 11,907,560 4,276,978-131,805,385 3,711,359 6,005,598 4,315,079 159,005 14,191,041 1,097,374 24,693,757 - - 25,791,131 $ 164,846,308 $ 75,058,919 $ 46,686,348 $ 307,963 $ 286,899,538 (3) 90 1031231 1 1 3 $ 51,158 $ - $ 51,158 2,168,121 230,249 2,398,370 454,251 83,092 537,343 958,522 45,184 1,003,706 210,554 57,208 267,762 307
1021231 1 1 3 $ 11,340 $ 744 $ 12,084 2,286,657 201,609 2,488,266 830,594 113,942 944,536 1,321,333 5,073 1,326,406 269,231 55,158 324,389 308
(4) 1031231 ( A ) (B) ( C ) (A)+(B)+(C) ( D ) (A)+(B)+ (C) (D) $ 18,291,753 $ - $ - $ - $ 18,291,753 $ - $ - $ 18,291,753 $ - $ 18,291,253-11,399,230 - - 11,399,230 - - 11,399,230-11,399,230 525,325 301,862 - - 827,187 - - 827,187-827,187 2,480,284 1,035,030 - - 3,515,314 - - 3,515,314-3,515,314 475,770 - - - 475,770 - - 475,770-475,770 - - 176,229-176,229 - - 176,229-176,229 792,950 2,645,281 3,533,642-6,971,873 - - 6,971,873-6,971,873 $ 22,566,082 $ 15,381,403 $ 3,709,871 $ - $ 41,657,356 $ - $ - $ 41,657,356 $ - $ 41,657,356 1021231 ( A ) (B) ( C ) (A)+(B)+(C) ( D ) (A)+(B)+ (C) (D) $ 14,863,316 $ - $ - $ - $ 14,863,316 $ - $ - $ 14,863,316 $ - $ 14,863,316-5,762,840 - - 5,762,840 - - 5,762,840-5,762,840 619,269 490,268 - - 1,109,537 - - 1,109,537-1,109,537 631,098 1,576,374 - - 2,207,472 - - 2,207,472-2,207,472 449,250 449,250 - - 898,500 - - 898,500-898,500 - - 101,379-101,379 - - 101,379-101,379 1,347,750 4,976,518 2,153,600-8,477,868-149,750 8,627,618 149,750 8,477,868 $ 17,910,683 $ 13,255,250 $ 2,254,979 $ - $ 33,420,912 $ - $ 149,750 $ 33,570,662 $ 149,750 $ 33,420,912 309
( ) 1. 2. (1) (2) (3) (4) 10 1 2 1 1 3. 310
4. 1031231 0-30 31-90 91-180 181-1 1 $ 6,248,499 $ 4,949,371 $ 200,000 $ 99,000 $ - $ 11,496,870 1,175,740 3,245,355 - - - 4,421,095 2,816,899 343,730 289,547 250,390 1,836,890 5,537,456 84,938,023 86,116,473 72,804,116 97,976,397 81,930,470 423,765,479 4,200-2,400,000 3,000,000 20,357,700 25,761,900 194,797 401,887 1,035,284-212,184 1,844,152 1021231 0-30 31-90 91-180 181-1 1 $ 5,276,796 $ 7,606,591 $ 799,742 $ 99,000 $ - $ 13,782,129 1,302,319 - - - - 1,302,319 10,262,206 721,336 293,433 238,774 1,927,677 13,443,426 69,855,763 89,310,306 64,053,735 93,481,594 81,964,075 398,665,473 4,200 3,000,000 - - 24,392,500 27,396,700 120,781 33,235 27,217 33,014 181,807 396,054 103 102 12 31 0-30 92,813,972 91,090,135 5. (1) 1031231 0-30 31-90 91-180 181-1 1 $ - $ 2,326 $ 27,312 $ 88,694 $ 106,182 $ 224,514 641 1,354 7,776 21,862 812,920 844,553 - - 739 4,465-5,204 $ 641 $ 3,680 $ 35,827 $ 115,021 $ 919,102 $ 1,074,271 1021231 0-30 31-90 91-180 181-1 1 $ 1,116 $ 92 $ 7,401 $ 6,234 $ - $ 14,843 4,632 24,012 7,243 18,059 532,820 586,766-7,330 - - 5,301 12,631 $ 5,748 $ 31,434 $ 14,644 $ 24,293 $ 538,121 $ 614,240 311
(2) 1031231 0-30 31-90 91-180 181-1 1 $ 48,939,424 $ 28,621,831 $ 18,205,016 $ 16,323,402 $ 308,064 $ 112,397,737 49,296,412 28,907,456 19,443,122 30,597,827 51,374,013 179,618,830-222,026 3,615,852 3,806,160 951,540 8,595,578-221,164 3,468,582 3,655,400 900,000 8,245,146 48,939,424 28,843,857 21,820,868 20,129,562 1,259,604 120,993,315 49,296,412 29,128,620 22,911,704 34,253,227 52,274,013 187,863,976 $ 356,988 $ 284,763 $ 1,090,836 $ 14,123,665 $ 51,014,409 $ 66,870,661 1021231 0-30 31-90 91-180 181-1 1 $ 49,278,220 $ 9,000,034 $ 7,493,524 $ 5,236,919 $ 119,020 $ 71,127,717 49,371,482 9,890,520 8,309,435 18,802,319 15,178,023 101,551,779 8,236,250 3,536,850 1,796,800 2,096,500-15,666,400 8,140,000 3,410,995 1,792,750 2,067,800-15,411,545 57,514,470 12,536,884 9,290,324 7,333,419 119,020 86,794,117 57,511,482 13,301,515 10,102,185 20,870,119 15,178,023 116,963,324 ( $ 2,988 ) $ 764,631 $ 811,861 $ 13,536,700 $ 15,059,003 $ 30,169,207 6. 1031231 0-30 31-90 91-180 181-1 1 $ 13,762,549 $ - $ - $ - $ - $ 13,762,549 155,093,979 - - - - 155,093,979 492,188 - - - - 492,188 7,829,421 3,015,600 597,500 300,000 2,726,350 14,468,871 $ 177,178,137 $ 3,015,600 $ 597,500 $ 300,000 $ 2,726,350 $ 183,817,587 1021231 0-30 31-90 91-180 181-1 1 $ 10,906,749 $ - $ - $ - $ - $ 10,906,749 149,696,272 - - - - 149,696,272 1,029,701 - - - - 1,029,701 6,072,979 2,498,900 635,607 531,983 2,617,600 12,357,069 $ 167,705,701 $ 2,498,900 $ 635,607 $ 531,983 $ 2,617,600 $ 173,989,791 ( ) 1. 312
2. 3. (1) DV01 Delta Vega (2) 313
4. (1) (2) DV01 Vega (1) (2) 314
(3) 5. (1) (2) Delta Vega 6. (1) (2) 315
(3) 7. (1) A. B. C. D. (2) A. Interest Rate Factor Sensitivities, DV01 PVBP 1 1 103 900 102 1,914 316
1,465 103 102 6,554 6,386 B. Foreign Exchange Rate Factor Sensitivities, FX Delta 1% 1% 103 102 477,055 327,210 C. 1% 1% 103 102 206,432 142,475 103 102 8,272 11,095 8. 317
( ) 1. 1031231 1 2 3 887,282 43,420,459 2.04% 964,483 108.70% 4,443 95,966,458-1,298,825 29,233.06% 4 127,680 110,166,219 0.12% 1,659,278 1,299.56% - - - - - 5 197,255 16,696,335 1.18% 312,752 158.55% 59,887 43,226,771 0.14% 377,586 630.50% 6 59,887 2,760 14,458,361 0.02% 145,213 5,261.34% 1,279,307 323,934,603 0.39% 4,758,137 371.93% 40,942 15,284,567 0.27% 575,309 1,405.18% 7-1,746,456-17,971-318
1021231 1 2 3 683,919 33,492,451 2.04% 858,111 125.47% 12,826 85,087,569 0.02% 1,177,351 9,179.41% 4 129,852 108,959,120 0.12% 1,243,113 957.33% - - - - - 5 206,995 16,336,493 1.27% 365,978 176.81% 6 49,679 37,956,817 0.13% 434,241 874.09% 5,404 14,948,062 0.04% 184,686 3,417.58% 1,088,675 296,780,512 0.37% 4,263,480 391.62% 39,256 15,599,122 0.25% 630,531 1,606.20% 7-2,161,061-13,791-1 94 7 6 0944000378 2 3 4 5 94 12 19 09440010950 319
6 7 94 7 19 094000494 3 1031231 1021231 1 243,416 645,026 336,679 869,163 2 626,478 1,251,228 617,379 1,335,762 869,894 1,896,254 954,058 2,204,925 1 95 4 25 09510001270 2 97 9 15 09700318940 320
2. 1031231 3 1 2 1 A 2413 3,901,222 11% 2 B 6499 3,572,095 10% 3 C 1700 3,228,482 9% 4 D 6499 3,085,501 9% 5 E 1850 3,050,978 8% 6 F 2699 2,252,747 6% 7 G 6430 2,239,291 6% 8 H 4390 2,181,230 6% 9 I 5232 2,147,570 6% 10 J 2411 2,000,027 6% 1021231 3 1 2 1 B 6499 2,954,572 10% 2 A 2413 2,722,306 9% 3 I 5232 2,704,050 9% 4 K 2613 2,325,952 8% 5 E 1850 2,272,093 8% 321
1021231 3 1 2 6 L 3510 1,907,900 7% 7 D 6499 1,855,695 6% 8 F 2699 1,819,371 6% 9 M 6499 1,807,757 6% 10 N 6811 1,644,128 6% 1 A 2 3 322
3. 103 12 31 91 180 1 90 181 1 1 257,763,988 130,137,405 4,141,518 24,621,619 416,664,530 157,527,231 136,633,128 60,281,840 21,195,411 375,637,610 100,236,757 ( 6,495,723 ) ( 56,140,322 ) 3,426,208 41,026,920 35,675,987 110.92% 115.00% 102 12 31 91 180 1 90 181 1 1 260,953,971 121,028,199 4,401,458 22,164,593 408,548,221 154,343,200 131,243,929 63,713,243 22,514,955 371,815,327 106,610,771 ( 10,215,730 ) ( 59,311,785 ) ( 350,362 ) 36,732,894 28,500,442 109.88% 128.89% 1 2 3 4 103 12 31 91 180 181 1 90 1 1 1,505,658 117,431 40,909 8,171 1,672,169 1,344,105 537,254 252,204 150,225 2,283,788 161,553 ( 419,823 ) ( 211,295 ) ( 142,054 ) ( 611,619 ) 34,631 73.22% ( 1,766.10% ) 323
102 12 31 91 180 1 90 181 1 1 1,410,040 76,741 1,811 16,286 1,504,878 1,165,852 642,234 99,718 150,000 2,057,804 244,188 ( 565,493 ) ( 97,907 ) ( 133,714 ) ( 552,926 ) 25,516 73.13% ( 2,166.98% ) 1 2 3 4 4. 103 102 0.84% 0.74% 0.73% 0.64% 13.06% 12.73% 11.33% 11.05% 34.95% 33.08% 1 2 3 5. (1) 103 12 31 0 10 11 30 31 90 91 180 1811 1 564,881,437 80,092,042 95,297,874 51,367,144 38,346,907 52,805,214 246,972,256 663,811,998 48,379,115 72,372,460 112,170,875 120,292,920 176,708,343 133,888,285 ( 98,930,561 ) 31,712,927 22,925,414 ( 60,803,731 ) ( 81,946,013 ) ( 123,903,129 ) 113,083,971 102 12 31 0 10 11 30 31 90 91 180 1811 1 526,438,358 102,897,040 79,884,556 40,751,607 31,699,709 34,169,403 237,036,043 532,097,824 51,590,560 55,866,937 115,517,387 71,415,914 104,731,253 132,975,773 ( 5,659,466 ) 51,306,480 24,017,619 ( 74,765,780 ) ( 39,716,205 ) ( 70,561,850 ) 104,060,270 324
(2) 103 12 31 1 30 31 90 91 180 1811 1 7,215,768 2,630,130 1,306,365 1,141,403 1,211,157 926,713 7,467,521 3,157,495 1,539,149 995,827 1,197,092 577,958 ( 251,753 ) ( 527,365 ) ( 232,784 ) 145,576 14,065 348,755 102 12 31 1 30 31 90 91 180 1811 1 5,537,675 2,200,168 1,452,976 702,668 559,903 621,960 5,583,964 2,969,093 972,137 704,181 527,490 411,063 ( 46,289 ) ( 768,925 ) 480,839 ( 1,513 ) 32,413 210,897 325
103 12 31 32,736,013 33,243,204 - - 13,504,626 14,018,501 46,240,639 47,261,705 323,785,850 324,818,191 - - 317,180 317,180 14,442,463 14,223,250 - - - - 19,759,250 19,804,188 - - 358,304,743 359,162,809 12.91% 13.16% 9.14% 9.26% 9.14% 9.26% 5.50% 5.58% 102 12 31 25,690,005 26,238,006 - - 13,123,625 13,676,786 38,813,630 39,914,792 288,008,208 291,547,743 - - - - 13,241,600 12,714,700 - - - - 10,309,788 10,309,788 - - 311,559,596 314,572,231 12.46% 12.69% 8.25% 8.34% 8.25% 8.34% 4.58% 4.68% 326
1 101 11 26 2 3 (1) (2) 12.5 (3) (4) (5) (6) = 23 IFRS 8 ( ) ( ) 1. 2. 3. 4. 10% 5. 10% 6. 10% 327
7. 8. 10% 9. 10. 11. 12. ( ) 328
103 12 31 2 207 7 189 6 3 189 6 3 88 4 4 14 24 3 207 17 B 5 7 51 2 400 8 2 218 15 3 81 1 5 A 139 3 39 2 40.00 $ 128,845 ( $ 14,983 ) 12,000-12,000 40.00 100.00 227,727 163,434 3,000-3,000 100.00 100.00 15,861 8,725 350-350 100.00 22.06 1,463,169 77,898 95,524-95,524 22.07 100.00 568,856 ( 74,264 ) 120,000-120,000 100.00 100.00 205,075 5,953 20,000-20,000 100.00 0.40 800-80 - 80 0.40 3.46 2,073-207 - 207 3.46 1.14 45,500-5,119-5,119 1.14 4.99 74,850-7,485-7,485 4.99 10.00 3,000-300 - 300 10.00 1.76 50,006-2,238-2,238 1.76 329
/ 330
103 12 31 $ 2,610,805 397,376 3,008,181 173,121 4,231,843 4,404,964 605,121 $ 8,018,266 5,721 31.718 17,974 5.103 12,969 4.09 212,001 0.265 388 38.55 114,574 31.718 60,370 5.103 2,028 38.55 9,297 4.09 1,314 25.98 543 49.36 777 32.05 8,532 2.74 331
103 12 31 $ 288,700 ( $ 921 ) $ 287,779 $ - $ 157,562 $ 1,127 158,689 - $ 138,779 $ 19,950 158,729-103 5,000 108.10.15 1.1265% $ 502,848 $ 910 100.75 503,758-103 2,000 108.07.18 1.1714% 199,589 145 99.87 199,734-103 2,000 108.02.14 1.0419% 199,664 55 99.86 199,719-102 1,500 112.09.18 1.5669% 152,213 62 101.52 152,275-103 1,000 108.06.27 1.1707% 99,800 110 99.91 99,910-103 1,000 123.01.29 2.0727% 98,863 ( 1,245 ) 97.62 97,618-108.01.20-123.10.02 100,912 ( 41 ) 100,871 - $ 1,353,889 ( $ 4 ) 1,353,885-5,290,216 2,496,196 2,217,126 129,514 1,871,225 1,871,173 266,689 5,259,651 759,544 1,298,760 10,404,800 11,055,294 12,363,882 11,055,294 104.01.22-108.11.10 $ 11,728,749 $ 1,337,989 13,066,738 - $ 25,430,620 $ 11,055,294 158,305 332
103 12 31 102 107.01.15 25,000 $ 2,492,313 $ 6,846 99.97 $ 2,499,159 99 104.07.20 23,500 2,363,819 4,637 100.79 2,368,456 102 112.03.06 20,500 2,013,507 ( 27,057 ) 96.90 1,986,450 101 111.05.24 10,500 1,051,021 ( 17,402 ) 98.44 1,033,619 101 106.07.20 7,500 769,542 3,024 103.01 772,566 94 104.03.16 7,000 701,031 1,289 100.33 702,320 103 108.07.18 7,000 698,046 1,024 99.87 699,070 104.09.12-132.02.26 3,937,182 ( 34,950 ) 3,902,232 14,026,461 ( 62,589 ) 13,963,872 104.01.06-104.01.08 827,370 25 100.00 827,395 104.01.05-104.02.13 10,062,598 1,654 10,064,252 10,889,968 1,679 10,891,647 108.04.24-108.10.18 20,000 520,855 384 100.22-100.62 521,239 108.05.20 19,750 513,921 1,455 100.44 515,376 106.09.19-107.03.20 19,500 508,073 2,562 100.40-100.86 510,635 105.03.14-106.05.15 18,500 480,600 36 100.00-100.01 480,636 105.11.21 11,000 285,889 100 100.07 285,989 107.11.27 10,000 262,403 2,437 101.94 264,840 108.02.04 10,000 260,211 1,576 100.77 261,787 107.05.17 10,000 261,659 ( 345 ) 100.58 261,314 108.04.04 10,000 261,279 ( 100 ) 100.53 261,179 108.07.16 10,000 260,227 ( 27 ) 100.15 260,200 108.08.27 10,000 259,865 ( 364 ) 99.89 259,501 108.08.08 10,000 260,242 ( 884 ) 99.83 259,358 107.02.01-107.08.08 7,000 185,554 273 185,827 4,320,778 7,103 4,327,881 333
$ 1,056,451 ( $ 229,264 ) $ 827,187 104.01.29-104.02.06 507,510 73 507,583 $ 30,801,168 ( $ 282,998 ) $ 30,518,170 4,145,300 99,913 4,103,414 334
103 1 1 12 31 120,000 $ 645,137 - $ - - $ 74,264 ( $ 2,017 ) 120,000 $ 568,856 $ 568,856 3,000 233,376-163,434-169,083-3,000 227,727 227,727 20,000 199,122-5,953 - - - 20,000 205,075 244,821 350 18,367-8,725-11,231-350 15,861 15,861 1,096,002 178,112 254,578 ( 2,017 ) 1,017,519 1,057,265 95,492 1,421,984-77,898-49,656 12,943 95,492 1,463,169 1,463,169 12,000 143,871 - - - 14,983 ( 43 ) 12,000 128,845 128,845 1,565,855 77,898 64,639 12,900 1,592,014 1,592,014 $ 2,661,857 $ 256,010 $ 319,217 $ 10,883 $ 2,609,533 $ 2,649,279 39,746 335
103 12 31 $ 2,335,874 200,025 12,614 $ 2,548,513 27,822,538 15,950,363 56,465,373 2,080,626 48,780,633 33,277,579 128,394 43,772,901 58,545,999 82,186,606 21,989,500 152,340,006 51,554,871 10,782,512 4,952 39,619 214,677,389 44,571 $ 423,765,479 336
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