2015 3 30 1711 1 1 2014 101.10 2014 1

CHINA MINSHENG BANKING CORP., LTD. H01988 2014 12 31 2014 12 31 (www.hkexnews.hk)(www.cmbc.com.cn) H 2015 3 30 2014 AH 101.10 20142014 2014 2015 3 30

2015 3 30 1711 1 1 2014 101.10 2014 1

10 12 15 71 84 104 139 140 144 149 152 155 157 294 2

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董事長致辭 2014 年 全 球 經 濟 進 入 深 刻 的 再 平 衡 調 整 期 中 國 經 濟 處 於增 速 換 擋 結 構 調 整 和 前 期 政 策 消 化 的 三 期 叠 加 階 段 經 濟 發 展 進 入 新 常 態 新 常 態 下 中 國 經 濟 結 構 調 整 任 務 緊 迫 經 濟 下 行 壓 力 增 大 產 能 過 剩 矛 盾 突 出 在 宏 觀 經 濟 增 速 放 緩 資 產 質 量 風 險 加 大 利率市場化加速推進 互聯網金融風生水起的環境下 中國銀行業逐步回歸理性增 長的新常態 2014 年 面 對 多 變 的 外 部 環 境 複 雜 的 新 格 局 競 爭 本 公 司 克 服 了 重 重 困 難 和 挑 戰 堅 持 戰 略 轉 型 方 向 不 動 搖 在 迎 接 新 挑 戰 搶 抓 新 機 遇 的 過 程 中 防 風 險 保 增 長 促 改 革 抓 調 整 創 思 路 保 持 了 平 穩 發 展 態 勢 經 營 呈 現 以 下 特 點 經 營 業 績 穩 步 提 升 2014 年 本 集 團 實 現 歸 屬 於 母 公 司 股 東 的 淨 利 潤 445.46 億 元 同 比 增 長 5.36% 平 均 總 資 產 回 報 率 達 到 1.26% 平 均 股 東 權 益 回 報 率 達 到 20.35% 同 比 略 有 下降 基本每股收益 1.31 元 比上年增加 0.07 元 2014 年末歸屬於母公司股東的每股淨資 產達到 7.03 元 比 2013 年末增加 1.22 元 部分指標增速放緩 既反映了宏觀環境及市場需 求 的 變 化 更 體 現 了 本 公 司 主 動 應 變 求 變 調 整 業 務 策 略 的 決 心 歸屬於母公司股東的淨利潤 每股淨資產 人民幣百萬元 人民幣元 % 5.36 增長率 60,000 50,000 40,000.22元 增加1 8.00 44,546 42,278 7.00 6.00 30,000 5.81 5.00 20,000 4.00 10,000 0 7.03 2013年 3.00 2014年 2013年 2014年 戰 略 業 務 加 快 推 進 2014 年 本 公 司 深 入 貫 徹 落 實 民 營 企 業 銀 行 小 微 企 業 銀 行 高 端客戶銀行 三大戰略定位 穩步推進戰略實施 成效顯著 截至 2014 年末 本公司有餘 額 民 企 貸 款 客 戶 達 到 11,876 戶 民 企 一 般 貸 款 餘 額 達 到 6,535.05 億 元 在 對 公 業 務 板 塊 中 的 佔 比 分 別 達 到 83.47%和 57.96% 民 營 企 業 銀 行 的 戰 略 地 位 不 斷 強 化 2014 年 本 公 司小微金融繼續保持領先態勢 截至 2014 年末 小微企業貸款餘額達到 4,027.36 億元 小 微 客 戶 總 數 達 到 291.19 萬 戶 比 上 年 末 增 長 52.86% 在 小 微 金 融 的 帶 動 下 本 公 司 存 款 增 長 穩 定 性 大 大 增 強 2014 年 末 管 理 個 人 客 戶 金 融 資 產 10,730.23 億 元 其 中 儲 蓄 存 款 達 到 5,316.28 億 元 2014 年 末 本 公 司 私 人 銀 行 客 戶 達 到 14,252 戶 比 上 年 末 增 長 10.48% 管 理 金 融 資 產 規 模 達 到 2,303.96 億 元 比 上 年 末 增 長 20.03% 小微客戶總數 私人銀行管理金融資產規模 千戶 人民幣百萬元 6% 52.8 增長率 3,500.0 3,000.0 2,500.0 2,000.0 1,500.0 1,000.0 500.0 0.0 3% 20.0 增長率 230,396 250,000 2,911.9 200,000 1,904.9 191,941 150,000 100,000 50,000 0 2013年 2014年 2013年 4 2014年

2014 428.71 29.64% 31.75% 3.27 382.39 27.65% 28.32% 2.52 非 利 息 淨 收 入 ( 人 民 幣 百 萬 元 ) 手 續 費 及 佣 金 淨 收 入 ( 人 民 幣 百 萬 元 ) 40,000 30,000 20,000 10,000 增 長 率 :29.64% 42,871 33,069 31.75% 28.48% 35% 30% 25% 40,000 30,000 20,000 10,000 29,956 25.80% 增 長 率 :27.65% 38,239 28.32% 30% 25% 0 20% 0 2013 年 2014 年 2013 年 2014 年 20% 非 利 息 淨 收 入 非 利 息 淨 收 入 佔 營 業 收 入 比 重 手 續 費 及 佣 金 淨 收 入 手 續 費 及 佣 金 淨 收 入 佔 營 業 收 入 比 重 2014 2.0 2014 54.70 1.8640.11% 15.47% 20144,902 7432.0 2014 155 13.09% TRS T+0 5

IT 20141,302.12 747.60 3.22185.81% 146.81 2,366.87 手 機 銀 行 交 易 金 額 ( 人 民 幣 萬 億 元 ) 手 機 銀 行 客 戶 數 ( 千 戶 ) 3.50 3.00 2.50 2.00 1.50 1.00 0.50 0.00 1.13 增 長 率 :185.81% 3.22 14,000 12,000 10,000 8,000 6,000 4,000 2,000 0 5,545.2 增 長 率 :134.82% 13,021.2 2013 年 2014 年 2013 年 2014 年 2.0 20145,000 400 40% 2015 2015 3 30 6

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1 2014 2 10 2014 3 4 5 (2013) 6 7 8 100 9 21 10 11 12 2014 13 SAS 2014 2014 8

14 2014 15 201110280416.X 16 2014 17 (CFCA)2014 18 2014 19 2014 20 9

CHINA MINSHENG BANKING CORP., LTD. CMBC 2 100031 86-10-68946790 86-10-58560720 cmbc@cmbc.com.cn 2 100031 www.cmbc.com.cn cmbc@cmbc.com.cn 12 36 A www.sse.com.cn H www.hkexnews.hk 10

12 8 10 8 A 166 36 H 183 17 1712 1716 A 600016 H 01988 1996 2 7 4 2007 11 20 2 100000000018983 110101100018988 110101100018988000 2014 12 31 11

2014 2013 2012 2011 2010 % 92,136 83,033 10.96 77,153 64,821 45,873 42,871 33,069 29.64 25,708 17,375 8,794 135,007 116,102 16.28 102,861 82,196 54,667 54,082 45,962 17.67 42,889 35,449 25,452 19,928 12,947 53.92 8,331 7,973 5,303 59,793 57,151 4.62 50,652 37,175 22,976 44,546 42,278 5.36 37,563 27,920 17,581 229,163-35,238-19,889 100,926 37,422 1.31 1.24 5.65 1.12 0.87 0.55 1.24 1.19 4.20 1.12 0.87 0.55 6.71-1.04-0.58 3.15 1.17 % 1.26 1.34-0.08 1.41 1.40 1.09 20.35 23.44-3.09 25.67 23.89 18.30 33.39 32.69 0.70 34.09 35.71 39.71 28.32 25.80 2.52 19.95 18.37 15.16 2.41 2.30 0.11 2.75 2.96 2.82 2.59 2.49 0.10 2.94 3.14 2.94 12

2014 12 31 2013 12 31 2012 12 31 2011 12 31 2010 12 31 % 4,015,136 3,226,210 24.45 3,212,001 2,229,064 1,823,737 1,812,666 1,574,263 15.14 1,384,610 1,205,221 1,057,571 3,767,380 3,021,923 24.67 3,043,457 2,094,954 1,718,480 2,433,810 2,146,689 13.38 1,926,194 1,644,738 1,417,877 34,153 28,366 20.40 28,366 26,715 26,715 240,142 197,712 21.46 163,077 129,597 104,108 7.03 5.81 21.00 4.79 4.04 3.25 % 1.17 0.85 0.32 0.76 0.63 0.69 182.20 259.74-77.54 314.53 357.29 270.45 2.12 2.21-0.09 2.39 2.23 1.88 % 8.58 8.72-0.14 8.59 8.72-0.13 10.69 10.69 10.75 10.86 10.44 6.17 6.33-0.16 5.25 6.02 5.77 1 = 2 = 3 = 4 = 5 = 6 = 7 = 8 = 9 2013 1 1 20121 102013 13

% 2014 12 31 2013 12 31 2012 12 31 25 36.00 29.31 36.01 75 69.88 73.39 71.93 14

2014 445.46 22.68 5.36% 1,350.07 189.05 16.28% 2.59% 2.41% 0.10 0.11 1.310.075.65% 7.031.2221.00% 15

40,151.36 7,889.26 24.45%18,126.66 2,384.03 15.14% 24,338.10 2,871.21 13.38% 2.0 20144,536.82 3.22%4,027.36 291.19 4,902 11,8766,535.05 83.47% 57.96% 14,252 10.48% 2,303.96 20.03% 14.98% 5.47 428.71 98.02 29.64% 31.75% 3.27 54.70 15.66 588.78 1,302.12 747.60 33.39% 0.70 1.17%0.32 182.20% 2.12% 445.46 5.36% 16

2014 2013 % 135,007 116,102 16.28 92,136 83,033 10.96 42,871 33,069 29.64 54,082 45,962 17.67 21,132 12,989 62.69 59,793 57,151 4.62 14,226 13,869 2.57 45,567 43,282 5.28 44,546 42,278 5.36 1,021 1,004 1.69 2014 2013 % % % 92,136 68.25 83,033 71.52 10.96 116,924 86.60 104,926 90.37 11.43 34,355 25.45 37,548 32.34-8.50 5,543 4.10 9,447 8.14-41.33 21,449 15.89 11,992 10.33 78.86 6,655 4.93 6,567 5.66 1.34 6,962 5.16 7,189 6.19-3.16 7,164 5.31 4,485 3.86 59.73-106,916-79.19-99,121-85.37 7.86 42,871 31.75 33,069 28.48 29.64 38,239 28.32 29,956 25.80 27.65 4,632 3.43 3,113 2.68 48.80 135,007 100.00 116,102 100.00 16.28 17

921.36 91.03 10.96% 84.55 6.48 2.59% 0.10 2014 2013 % % 1,703,039 116,924 6.87 1,493,864 104,926 7.02 1,085,564 72,517 6.68 949,094 65,765 6.93 617,475 44,407 7.19 544,770 39,161 7.19 420,053 21,449 5.11 284,685 11,992 4.21 435,648 6,655 1.53 420,505 6,567 1.56 126,212 5,543 4.39 227,821 9,447 4.15 139,504 7,164 5.14 96,977 4,485 4.62 651,848 34,355 5.27 726,350 37,548 5.17 86,235 6,962 8.07 83,330 7,189 8.63 3,562,539 199,052 5.59 3,333,532 182,154 5.46 18

2014 2013 % % 2,274,787 54,320 2.39 2,103,518 48,392 2.30 1,739,194 41,888 2.41 1,641,249 37,810 2.30 631,846 4,912 0.78 622,587 4,240 0.68 1,107,348 36,976 3.34 1,018,662 33,570 3.30 535,593 12,432 2.32 462,269 10,582 2.29 131,500 511 0.39 117,236 430 0.37 404,093 11,921 2.95 345,033 10,152 2.94 773,892 37,666 4.87 765,906 37,463 4.89 38,078 1,377 3.62 26,868 1,021 3.80 59,645 2,567 4.30 69,556 3,520 5.06 112,958 5,761 5.10 87,732 4,186 4.77 101,899 5,225 5.13 85,512 4,539 5.31 3,361,259 106,916 3.18 3,139,092 99,121 3.16 92,136 83,033 2.41 2.30 2.59 2.49 19

2014 2014 14,692-2,694 11,998 5,702 3,755 9,457 236-148 88-4,213 309-3,904 1,967 712 2,679-3,851 658-3,193 251-478 -227 14,784 2,114 16,898 3,940 1,988 5,928 391-188 203 426-70 356-502 -451-953 1,204 371 1,575 870-184 686 6,329 1,466 7,795 8,455 648 9,103 20

1 1,990.52 168.98 9.28% 147.84 21.14 58.74% 23.64% (1) 1,169.24 119.98 11.43% 37.98% 0.66 (2) 214.49 94.57 78.86% (3) 66.55 0.88 1.34% (4) 470.62 44.18 8.58% (5) 69.62 2.27 3.16% 21

2 1,069.16 77.95 7.86% 63.29 14.66 50.81% 38.92% (1) 543.20 59.28 12.25% (2) 416.10 3.94 0.94% (3) 57.61 15.75 37.63% (4) 52.25 6.86 15.11% 22

428.71 98.02 29.64% 2014 2013 % 38,239 29,956 27.65 4,632 3,113 48.80 42,871 33,069 29.64 1 382.39 82.83 27.65% 2014 2013 % 12,242 8,609 42.20 9,666 5,121 88.75 8,911 9,764-8.74 4,398 3,654 20.36 3,608 2,277 58.45 2,349 3,041-22.76 992 517 91.88 127 78 62.82 42,293 33,061 27.92 4,054 3,105 30.56 38,239 29,956 27.65 23

2 46.32 15.19 48.80% 2014 2013 % 1,666-25 2,014 2,505-19.60 952 633 50.39 4,632 3,113 48.80 540.82 81.20 17.67% 33.39% 0.70 2014 2013 % 22,427 19,145 17.14 9,005 8,004 12.51 3,979 2,939 35.39 3,739 3,589 4.18 2,994 2,114 41.63 90 195-53.85 11,848 9,976 18.77 54,082 45,962 17.67 24

211.32 81.43 62.69% 2014 2013 % 19,928 12,947 53.92 943 288 692-58.38-27 -650 21,132 12,989 62.69 142.26 3.57 23.79% 25

40,151.36 7,889.26 24.45% 2014 12 31 2013 12 31 2012 12 31 % % % 1,812,666 45.15 1,574,263 48.80 1,384,610 43.11 38,507 0.96 34,816 1.08 33,098 1.03 1,774,159 44.19 1,539,447 47.72 1,351,512 42.08 927,756 23.11 767,335 23.78 1,048,905 32.66 471,632 11.75 433,802 13.45 420,418 13.09 601,395 14.98 306,722 9.51 243,520 7.58 88,824 2.21 82,543 2.56 74,809 2.33 36,936 0.92 24,102 0.75 13,631 0.42 114,434 2.84 72,259 2.23 59,206 1.84 4,015,136 100.00 3,226,210 100.00 3,212,001 100.00 26

1 18,126.66 2,384.03 15.14% 45.15% 3.65 2014 12 31 2013 12 31 2012 12 31 % % % 1,157,985 63.88 968,734 61.54 919,034 66.37 26,930 1.49 33,364 2.12 15,764 1.14 654,681 36.12 605,529 38.46 465,576 33.63 1,812,666 100.00 1,574,263 100.00 1,384,610 100.00 2014 12 31 2013 12 31 2012 12 31 % % % 410,139 62.65 408,891 67.53 317,470 68.19 147,678 22.56 113,298 18.71 66,305 14.24 69,606 10.63 62,096 10.25 71,518 15.36 27,258 4.16 21,244 3.51 10,283 2.21 654,681 100.00 605,529 100.00 465,576 100.00 2 9,277.56 1,604.21 20.91% 23.11%0.67 27

3 6,013.95 2,946.73 96.07% (1) 2014 12 31 2013 12 31 % % 27,213 4.52 22,262 7.26 3,231 0.54 1,986 0.65 159,724 26.56 111,532 36.36 176,834 29.40 133,124 43.40 234,393 38.98 37,818 12.33 601,395 100.00 306,722 100.00 (2) % 2014 5,370 5.70% 2017-01-14 2014 5,310 5.01% 2015-01-20 2013 4,850 3.68% 2016-04-11 2012 4,200 4.20% 2017-02-28 2014 3,550 4.83% 2015-03-24 2012 3,460 3.93% 2015-04-23 2013 3,430 3.98% 2016-07-18 2012 3,200 3.39% 2015-07-09 2013 3,000 4.37% 2018-07-29 2014 2,980 4.76% 2015-02-26 39,350 28

(3) 162,931 390 345 26,646 446 323 281,081 1,167 1,598 32,844 1,180 282 66,851 8,300 7,737 48 10 3,231 2,558 37,673.80 7,454.57 24.67% 2014 12 31 2013 12 31 2012 12 31 % % % 2,433,810 64.60 2,146,689 71.04 1,926,194 63.29 975,010 25.88 638,244 21.12 910,597 29.92 149,592 3.97 81,835 2.71 72,135 2.37 129,279 3.43 91,968 3.04 74,969 2.46 79,689 2.12 63,187 2.09 59,562 1.96 3,767,380 100.00 3,021,923 100.00 3,043,457 100.00 29

1 24,338.10 2,871.21 13.38% 64.60% 77.41% 22.15% 0.44% 34.70% 64.86% 0.44% 2014 12 31 2013 12 31 2012 12 31 % % % 1,884,081 77.41 1,629,503 75.91 1,528,562 79.36 707,374 29.06 677,725 31.57 621,592 32.27 1,176,707 48.35 951,778 44.34 906,970 47.09 539,173 22.15 510,944 23.80 393,774 20.44 137,342 5.64 132,703 6.18 107,861 5.60 401,831 16.51 378,241 17.62 285,913 14.84 4,858 0.20 4,258 0.20 3,230 0.17 5,698 0.24 1,984 0.09 628 0.03 2,433,810 100.00 2,146,689 100.00 1,926,194 100.00 2 9,750.10 3,367.66 52.76% 3 1,292.79 373.11 40.57% 30

2,477.56 434.69 21.28% 2,401.42 424.30 21.46% 2014 12 31 2013 12 31 % 34,153 28,366 20.40 49,949 49,234 1.45 17,077 16,456 3.77 49,344 42,487 16.14-392 -2,842 90,019 64,023 40.60-8 -12 240,142 197,712 21.46 7,614 6,575 15.80 247,756 204,287 21.28 31

2014 12 31 2013 12 31 % 594,300 522,849 13.67 170,666 126,934 34.45 205,168 105,711 94.08 300 22,433-98.66 47,830 40,377 18.46 3,846 4,343-11.44 3,007 2,109 42.58 20,375 8,564 137.91 16,533 16,881-2.06 912.53% 13.51%12.88% 14.85% 9 32

2014 12 31 2013 12 31 % % 236,931 13.07 165,570 10.52 230,875 12.74 222,573 14.14 149,983 8.27 145,202 9.22 126,971 7.00 92,611 5.88 96,949 5.35 80,941 5.14 65,088 3.59 61,454 3.90 54,107 2.98 32,188 2.04 49,785 2.75 44,916 2.85 31,366 1.73 31,502 2.00 28,988 1.60 27,480 1.75 25,144 1.39 19,965 1.27 14,897 0.82 12,015 0.76 12,540 0.69 15,503 0.98 34,361 1.90 16,814 1.09 1,157,985 63.88 968,734 61.54 654,681 36.12 605,529 38.46 1,812,666 100.00 1,574,263 100.00 33

2014 12 31 2013 12 31 % % 541,053 29.85 475,995 30.24 556,898 30.72 506,901 32.20 195,054 10.76 169,256 10.75 519,661 28.67 422,111 26.81 1,812,666 100.00 1,574,263 100.00 2014 12 31 2013 12 31 % % 332,482 18.34 272,459 17.31 604,994 33.38 565,010 35.89 664,031 36.63 529,564 33.64 211,159 11.65 207,230 13.16 1,812,666 100.00 1,574,263 100.00 34

416.17 2.30% % A 6,445 0.36 B 6,204 0.34 C 6,000 0.33 D 3,894 0.21 E 3,666 0.20 F 3,589 0.20 G 3,200 0.18 H 2,935 0.16 I 2,844 0.16 J 2,840 0.16 2014 12 31 2013 12 31 % 2012 12 31 10 2.11 2.59 2.97 50 13.60 14.44 16.10 1 = 2 = 35

1.17% 0.32 2014 12 31 2013 12 31 % % % 1,791,532 98.83 1,560,859 99.15 14.78 1,755,630 96.85 1,540,486 97.86 13.97 35,902 1.98 20,373 1.29 76.22 21,134 1.17 13,404 0.85 57.67 16,591 0.92 9,221 0.58 79.93 3,267 0.18 3,102 0.20 5.32 1,276 0.07 1,081 0.07 18.04 1,812,666 100.00 1,574,263 100.00 15.14 2014 12 31 2013 12 31 % 2012 12 31 3.05 2.40 1.98 16.67 23.71 11.99 12.30 19.60 8.78 14.57 11.79 19.29 36

31.56 25.44 0.17% 0.13 496.86 223.65 2.74% 1.00 2014 12 31 2013 12 31 % % 3,156 0.17 612 0.04 49,686 2.74 27,321 1.74 1 2 1 2014 12 31 2013 12 31 34,816 33,098 22,559 15,091-2,631-2,144-10,056-7,303-7,119-4,049 1,616 596-674 -470-4 -3 38,507 34,816 37

211.34 77.30 57.67% 1 2014 12 31 2013 12 31 % % 486 2.30 423 3.16 6,062 28.68 3,985 29.74 6,498 30.75 3,430 25.59 241 1.80 128 0.61 6 0.04 236 1.12 1,393 10.39 194 1.45 250 1.18 55 0.41 36 0.17 36 0.27 103 0.49 73 0.54 75 0.35 42 0.31 102 0.48 54 0.40 13,976 66.13 9,932 74.10 7,158 33.87 3,472 25.90 21,134 100.00 13,404 100.00 38

2 2014 12 31 2013 12 31 % % 9,465 44.78 5,824 43.45 5,925 28.04 5,333 39.79 2,035 9.63 633 4.72 3,709 17.55 1,614 12.04 21,134 100.00 13,404 100.00 39

2014 12 31 245,686 231,680 245,985 231,680 305,897 288,786 246,736 236,330-1,050-4,650 299 59,912 57,106 2,862,710 2,713,315 2,627,376 2,485,009 15,186 16,357 220,148 211,949 % 8.58 8.54 % 8.59 8.54 % 10.69 10.64 2010 9 12 2013 1 110% 2012 250 201310% 201 2014 12 31 % 8.78 8.78 % 12.12 12.17 (www.cmbc.com.cn) 40

2,627,657 66,132 35,531 1,137,936 29,551 10,668 550,662 15,379 6,243 867,997 23,945 7,351-1,180,880 4,003,372 135,007 59,793 1,761,438 66,890 32,483 654,455 37,814 10,167 1,446,208 25,987 14,328 141,271 4,316 2,815 4,003,372 135,007 59,793 41

1 2 BLOOMBERG 42

22,262 688 27,213 1,986 1,245 3,231 111,387 359-1 159,577 135,635 1,933 359-1 190,021 21 1,883 675 2,558 1,883 675 2,579 43

2.0 1 15.6654.7014,228 11,876 6,535.05 83.47% 57.96% 44

2 11,536.29 1,923.47 20.01%11,274.86 1,991.23 21.45%1.20% 45

3 18,641.53 2,496.99 15.47% 3.0 42.17 16.86 7,465.41 1,486.18 9,841.4610,084 2,057.74 4 192.40 34.59% 46

215 1,461.11 47

5 2.0 (1) + 619.95 1,155.920.38% 15.09 (2) 589.92 1,150.302.09% 19.11 48

(3) + 459.65 536.34 0.87% 9.10 (4) 307.83 387.146.40% 11.67 49

(5) + 500 115 1,510 2014 1,328.9519.23 18.67 1.58 IT CFM 50

3426 64.41 3,634.01 (6) 2.0 + 1.36 0.87 63.97% (7) 60 83.61 129.63% 33.1193.29% 51

(8) 1 + + 2014 42.91 90.52 55.63 1.34 10,730.23 5,316.28 2,133.46 26.99% 691.57 15.14% 588.78 459.49930.02 130.42 52

2+N 100 10,000 2 4,902743 PK 70030 3 2.0 2.016 O2O 291.19 100.7052.86% 155 13.09% 4,027.36 19.86 53

534 28.97 5.43 1.17% 0.69 4 2,054.77 314.618,763.22 50.41% 1,476.78 30.34% 111.25 44.71% 5.2 12308 54

VISA2013 2013 2014 2,303.96 384.55 20.03%14,252 1,35210.48% 21.55 4.56 26.84% 2014 2014 11 21 1 5,641.15 271.56 5 26,515.85 2,808.82 20.30% 1,439.78 23.77% 20.88194.50% 55

2 3 29,840.41 52.50% 33.47 10.68% 143,5333.53% 177.72 93.74% 4 4,771.81 43.90% 5 457.65 6,718.23 1,398.35 101.28 767.98 56

2014 6.56 162.40% 440.82 201392.25% 132.632.61 2014 12 31 746.95 59.88% 504.5149.03% 8.82 10.02 1 1,302.12 747.601.82 203.51% 3.22 185.81% 18 57

2 2014 2 28 APP10100123 146.81 2,366.87 3 1,161.03 417.80 4.27 71.49% 10.95 42.58% 49.13 15.45 0.79 125.71% 43.49 104.66% 96.49% 2.081.89 70.27%94.15% 4 7*24 VIP 218.11 58

5 114.20 72.82 4,933.371,166.25 3,039.98385.04 6 5,000400 40% 2015 7 5 C-POS 59

1 (1) 5 2008 4 51.03% 1,286.74 169.68 15.19%119.38 18.23 18.02% 18.101.69 10.30%16.42%1.22 304323 AAA Tasha 20142014 2014 (CFV) 60

(2) 2008 11 63.33% 3.072.64 21 384.43 363.96 90 34 304.37 2013 1 2440% 1.25 4,905.60 (3) 29 74 265.78 8.76 3.41% 214.48 2.63 1.21% 61

156.21 6.20 4.13% (4) 2014 12 31 59.44 (5) 2013 2014 62

2013 2 2013 3 15[2012]1573 200 A2013 3 295 2 110023A 200 199.12 935,884,000 A A 114,247,390 63

2014 RAROC 64

VaR VaR SVaR 65

4 ITIT(ISO20000) (ISO27001)IT 66

67

47,608237 528637248279,878 2015 68

2015 69

2015 70

2013 12 31 + - 2014 12 31 % % 1 2 3 4 28,366,192,773 100.00 5,673,270,420 113,639,844 34,153,103,037 100.00 1 22,588,209,933 79.63 4,517,673,852 113,639,844 27,219,523,629 79.70 2 3 5,777,982,840 20.37 1,155,596,568 6,933,579,408 20.30 4 28,366,192,773 100.00 5,673,270,420 113,639,844 34,153,103,037 100.00 71

2011 2 25 2011 5 42011 2011A 2011H A 200 A 2012 2 22 A A 122012 5 32012 2012 A2012H 2013 3 15[2012]1573 200 A2013 3 29 110023A100200,000,000 62013 3 152019 3 15A 0.6%0.6%0.6%1.5%1.5% 1.5%2013 9 162019 3 15 10.23A 199.12 A A A113,639,844 4,517,673,85279.63% 79.70% 1,155,596,568 20.37% 20.30% 72

1 A 684,207,000 005L CT001 607,783,000 594,164,000 2020 401,040,000 390,714,000 337,539,000 316,269,000 292,532,000 275,431,000 254,651,000 2013 3 29 73

2 3 2013 6 26 2012 2013 9 9 2013 2014 6 19 20132015 1 6 2014 A 2013 6 27 10.23 10.082013 9 10 10.08 9.92 2014 6 25 9.92 8.182015 1 9 8.18 8.105 4 2013 9 162019 3 15 2013 9 16 2014 12 31 935,884,000 A 114,247,390 0.40277% 2014 12 31 19,064,116,000 95.32058% 5 2013 3 15 2013 2013A SD[2014]064 AA+ AAA2014 5 17 74

[2006] 27 [2006]80 43 15 10 335.05%5 10 300BP 10 2% 11 100BP 2006 12 2843 43 2013 1 1 [2009] 8 [2009]16 50 15 10 33.255.70%5 10 300BP 16.75 3% 11 300BP2009 3 2650 50 2013 1 1 [2004] 159 [2010] 31 58 10 4.29% 2010 6 1758 58 2013 1 1 75

[2010] 625 [2011] 64 100 605.50% 40 5.70% 2011 3 28 100 100 2013 1 1 [2011]480 [2011] 119 2012 25 500 2012 22012 300 5 4.30% 2012 2 143002012 52012 200 5 4.39% 2012 5 10200 500 [2013] 570 [2014] 6 2014 3 18 200 6.60% 2014 3 20 200 200 76

713,958 755,649 10 20.19% 6,894,167,177 0 4.97% 1,698,579,144 0 4.88% 1,665,225,632 0 4.69% 1,600,304,190 0 005L CT001 4.05% 1,381,568,777 0 3.37% 1,149,732,989 0 3.18% 1,086,917,406 0 3.12% 1,066,764,269 0 2.75% 939,292,013 0 2.46% 838,726,939 0 77

10 6,894,167,177 H 1,698,579,144 1,665,225,632 1,600,304,190 005L CT001 1,381,568,777 1,149,732,989 1,086,917,406 1,066,764,269 939,292,013 838,726,939 99.96% 95.26% HH 78

336 2014 12 31 % % A 794,789,685 3,857,091,549 4,651,881,234 1 17.09 13.62 A A 2,084,876,472* 2 5 7.66 6.10 1,600,304,190* 2 5.88 4.69 A 1,600,304,190* 2 5.88 4.69 A A 2,084,876,472* 3 5 7.66 6.10 2,084,876,472* 4 5 7.66 6.10 H 695,179,800 124,818,600 819,998,400 6 7 11.83 2.40 79

% % Fosun International Holdings Ltd. H 819,998,400 6 7 11.83 2.40 UBS AG H 240,184,253 512,436,613 11,607,273 764,228,139 8 10 11.02 2.24 26,193,666 8 10 0.38 0.08 UBS Group AG H 512,436,613 251,791,526 764,228,139 9 10 11.02 2.24 26,193,666 9 10 0.38 0.08 H 638,829,500 11 9.21 1.87 Union Sky Holding Group Limited H 586,100,000 11 8.45 1.72 80

% % JPMorgan Chase & Co. H 107,214,647 302,293,698 155,283,542 564,791,887 12 8.15 1.65 26,584,948 12 0.38 0.08 H 273,863,500 132,816,000 406,679,500 13 5.87 1.19 BlackRock, Inc. H 378,510,065 14 5.46 1.11 10,306,000 14 0.15 0.03 * 2014 12 31 1. 4,651,881,234 A 76,526,773 A 2. 2,084,876,472 A 484,572,282 A 1,600,304,190 A 51% 23.98% 29.41% 25% 75% 81

484,572,282 A1,600,304,190 A 1,600,304,190 A 3. 2,084,876,472 A 4. 2 37.66% 2,084,876,472 A 5. 2,084,876,472 A 6. 819,998,400 H390,000,000 H 695,179,800 H Pramerica-Fosun China Opportunity Fund, L.P. 35,592,600 H Topper Link Limited 89,226,000 H Pramerica-Fosun China Opportunity Fund, L.P. Topper Link Limited 79.6% Fosun International Holdings Ltd. Fosun International Holdings Ltd.58% Pramerica-Fosun China Opportunity Fund, L.P. 35,592,600 HTopper Link Limited 89,226,000 H Fosun International Holdings Ltd. 819,998,400 H 7. Fosun International Holdings Ltd.819,998,400 H 8. UBS AG 764,228,139 H 26,193,666 H 58,436,915 H25,938,666 H 1,311,865 H 25,602,045 H 13,275 H 264,961 H 57,111,775 H 71,660 H 9. UBS Group AGUBS AG8 96.64%UBS Group AG UBS AG 764,228,139 H 26,193,666 H 10. UBS AG UBS Group AG764,228,139 H 26,193,666 H 11. 638,829,500 HUnion Sky Holding Group Limited 586,100,000 H Vogel Holding Group Limited 52,729,500 HUnion Sky Holding Group Limited Union Sky Holding Group Limited 586,100,000 H Vogel Holding Group Limited Vogel Holding Group Limited Vogel Holding Group Limited 52,729,500 H505,700,000 H 82

12. JPMorgan Chase & Co.564,791,887 H 26,584,948 HJPMorgan Chase & Co. 12.1 China International Fund Management Co Ltd 22,441,200 HChina International Fund Management Co Ltd 49% JPMorgan Asset Management (UK) Limited(JPMorgan Chase & Co. JPMorgan Chase & Co.155,283,542 H 19,617,761 H23,570,948 H 3,040,590 H 3,087,657 H 12,663,200 H 16,577,171 H 7,820,091 H 13. 406,679,500 H 273,863,500 H Chaos Investment Co., Ltd132,816,000 H 14. BlackRock, Inc. 378,510,065 H300 H10,306,000 H 2014 12 31 336 5%5% 2014 12 315%5% 5%5% 2014 12 315%5% 83

1957 2012.4.10 2014.8.18 0 0 450.74 0 2014.8.18 2014.8.28 2014.8.28 2015.1.31 1954 1951 1951 1958 2015.1.31 2015.4.10 2012.4.10 2015.4.10 2012.4.10 2015.4.10 2012.4.10 2015.4.10 2012.4.10 2015.4.10 0 0 87.00 97.97 0 0 88.00 324.48 0 0 83.00 108 0 0 419.39 0 1951 2012.4.10 2015.4.10 1971 2012.4.10 2015.4.10 1971 2012.4.10 2015.4.10 1965 2012.6.15 2015.4.10 1967 2012.12.17 2015.4.10 1962 2014.12.23 2015.4.10 1962 2012.4.10 2015.4.10 1963 2012.4.10 2015.4.10 1969 2012.4.10 2015.4.10 1948 2012.6.15 2015.4.10 1969 2012.6.15 2015.4.10 1951 2012.12.17 2015.4.10 0 0 81.50 0 0 0 85.00 0 0 0 75.50 0 0 0 78.50 300 0 0 80.50 0 0 0 0 0 0 0 0 0 0 0 91.50 0 0 0 97.00 0 0 0 95.00 0 0 0 42.25 0 0 0 0 0 84

1957 1959 2012.4.10 2015.4.10 2012.4.10 2015.4.10 0 0 365.02 0 633,100 759,720 336.95 0 1953 2012.4.10 2015.4.10 1954 2012.4.10 2015.4.10 1955 2012.4.10 2015.4.10 1955 2012.4.10 2015.4.10 1942 2012.4.10 2015.4.10 1963 2012.4.10 2015.4.10 1965 2012.4.10 2015.4.10 1963 2012.4.10 2015.4.10 1965 2012.8.7 2015.4.10 1967 2012.8.7 2015.4.10 1970 2012.8.7 2015.4.10 0 0 64.00 0 0 0 59.50 0 0 0 61.00 0 0 0 63.50 0 0 0 61.00 0 0 0 246.85 0 0 0 267.35 0 0 0 268.71 0 0 0 240.99 0 0 0 242.36 0 0 0 240.99 0 1957 1962 2012.4.10 2014.8.18 2012.4.10 2014.3.25 0 0 305.72 0 0 0 28.50 0 1972 2012.4.10 2014.6.10 0 0 324.48 0 2014.6.10 2014.8.28 1957 2014.8.28 2015.1.31 2012.4.10 2014.6.11 0 0 151.76 0 1956 2012.4.10 2014.11.7 0 0 295.00 0 1. 2014 3 6 2. 2014 3 14 002355 3. 2014 3 24 85

4. 2014 3 25 5. 2014 4 30 6. 2014 5 Fidelidade Companhia de Seguros, S.A. Multicare Seguros de Saude, S.A. Cares Companhia de Seguros 7. 2014 5 9 000681 8. 2014 5 20 00169 9. 2014 6 10 2013 10. 2014 6 11 11. 2014 7 10 00013 12. 2014 7 22 13. 2014 7 31 00072 14. 2014 8 18 15. 2014 8 28 16. 2014 11 7 17. 2014 12 23 18. 2015 1 31 19. 20. 21. (2008)22 20142014 5 22. 2013 633,100759,720 23. 2015 3 4 2014 6 1999 5 2003 2004 12 2003 8 2011 7 2010 7 86

2004 1 8 2000 2009 3 2009 31996 1 1996 91996 91998 4 19982000 19941995 19931994 19851991 301994 2009 3 23 19962002 20032005 2002 20072005 2 19941995 19921994 1991199219851991 32 1993 87

2000 4 30 600811 600190/900952 00467 1997 2007 1997 2006 7 16 2003 6 2006 20122003 62004 12 2004 122006 6 600837 0000461998 20121995 2009 3 23 2006 000876 19932013 2013 1995 12 3 600837 1977 88

2006 7 16 2011 11 29 000876 2009 3 23 2011 2 2007 2012 9 2004 2007 20002004 2008 2012 6 15 CEO 2012 12 17 00656 Club Méditerranée SACU 002196)600196 2011 5 Fidelidade Companhia de Seguros, S.A. Multicare Seguros de Saude, S.A. Cares Compania de Seguros, S.A. 01099 19891999 2014 12 23 2011 7 2010 7 2014 4 600383 2004 92011 7 89

2002 112004 9 2002 82002 111981 82002 7 1998 92001 6 1999 92002 7 2009 9 9 2009 9 9 601969 000972 002355 1993 2009 9 9 2012 6 15 00002 00041 00066 87001 90

00363 00369 00013 00011 1973 19792002 20052005 2012 6 15 601988 03988 02388 002030 601166 601519 600705 2012 7 17 000728 00217 00204 00169 2013 7 15 1999 2012 12 17 91

2012 4 10 199620102012 4 2007 11 2012 2002 200719982002 19961998 35 20062007 2006 2004 2012 4 10 1998 20012002 200020011998 20001996 1998 19921996 19871992 1986 198719831986 19811983 19801981 2012 4 10 300288 002467 20032009 92

2012 4 10 02628 601628 2007 1 15 19942000 Stone Resources Limited SRH 000681 2014 8 20 2007 1 15 20012008 20012005 19792001 2009 3 23 1995 12 32009 3 22 1993 2003 19911993 1968 93

2010 7 2010 19881991 19911994 19941998 19982003 2003 47 2003 72006 20062008 20082010 6 2012 4 2001 29 2012 4 2000 2001 32008 12 2008 12 19932000 19881993 2008 2012 8 1998 2001 3 2001 7 2008 6 2009 2 2009 819951998 19921995 94

2012 81995 2000 10 2007 52009 5 2009 6 1990 81995 7 2006 1 2012 8 200120022003 20032005 200520072007 200920092012 19992001 19981999 19931998 48 2009 11 2 2002 95

1. 2. 3. 4. 601969 2014 3 14 002355 5. 6. 2014 5Fidelidade Companhia de Seguros, S.A. Multicare Seguros de Saude, S.A. Cares Companhia de Seguros 7. 2014 3 24 8. 2014 5 20 00169 9. 2014 7 10 00013 10. 2014 7 31 00072 11. 12. 300288 002467 13. 2014 5 9 000681 96

1. 2014 3 6[2014]33 2. 2014 3 25 3. 2014 4 30 [2013]210 4. 2014 6 10 2013 5. 2014 6 11 6. 2014 7 22 7. 2014 8 18 8. 2014 8 28 9. 2014 11 7 10. 2014 12 23 2014 11. 2015 1 31 19A.54 19A.55 97

2011 1 5 15.15 2014 12 1,085.43 868.8 607.06 115.97 13 149 336 2014 12 31 % % A A A H A H 2,084,876,472 1 7.66 6.10 1,066,764,269 2 3.92 3.12 838,726,939 3 3.08 2.46 6,864,600 4 0.10 0.02 40,000,000 5 0.15 0.12 819,998,400 6 11.83 2.40 A 759,720 0.003 0.002 98

1. 2,084,876,472 A 484,572,282 A 1,600,304,190 A 51% 23.98% 29.41% 25% 75% 484,572,282 A1,600,304,190 A 62.34% 2,084,876,472 A 2. 1,066,764,269 A27.98% 32.59% 3. 838,726,939 A97.43% 77.14% 4. 6,864,600 H 3 5. Shanghai Fosun Industrial Technology Development Co., Ltd. 40,000,000 A 6. 819,998,400 H390,000,000 H 695,179,800 H Pramerica Fosun China Opportunity Fund, L.P. 35,592,000 H Topper Link Limited 89,226,000 HPramerica Fosun China Opportunity Fund, L.P. Topper Link Limited 79.6% Fosun International Holdings Ltd. Fosun International Holdings Ltd.58% Pramerica Fosun China Opportunity Fund, L.P. 35,592,000 HTopper Link Limited 89,226,000 H Fosun International Holdings Ltd. 819,998,400 H 99

2014 12 31 % 2,000,000 1 3.64 1. 2,000,000 62.34% 2014 12 31 352 XV7 8 10 100

59,659 57,406 2,253 5,37828,157 23,871 54,88096% 142 員 工 結 構 按 序 列 劃 分 ( 單 位 : 人 ) 員 工 結 構 按 學 歷 劃 分 5,378 4% 23,871 28,157 96% 管 理 人 員 市 場 人 員 專 業 技 術 大 專 以 上 其 他 2014 2014 2,600 280,0004,200,000 7 47,000 38391,021 101

1 16,251 1,532,577 2 73 3,406 711,516 2 67 2,722 311,928 100 51 2,237 176,279 68 47 1,681 154,715 41 1,637 95,729 396 41 1,562 85,096 67 2,270 126,617 2 197 45 1,717 149,057 98 29 61 1,087 2,511 71,623 248,748 4A 20 24 1,057 79,570 9 22 1,124 72,130 78 28 1,041 49,274 282 47 1,872 103,826 229 20 797 43,301 815 35 1,408 97,370 966 6 30 948 51,603 43 22 929 50,762 331 15 543 37,900 689 20 1,146 74,521 23 15 599 66,522 90 38 1,435 113,826 CBD 1 30 14 1,075 607 38,709 50,585 18 1707 22 22 878 638 54,921 29,852 189 500 10 444 11,576 17 16 14 736 648 52,252 38,155 135 237 1-3 102

13 515 26,505 111-1 1 8-12 10 398 28,618 36 A 1-3 12 458 37,838 1 176 70,611 65 12 36 3 137 11,823 8 2 91 15,840 188 7 2 266 141 26,916 18,031 28 128 2 116 9,650 11 2 102 8,530 123 (1,180,880) 1,021 57,406 3,854,022 1 2 3 103

股 東 大 會 戰 略 發 展 與 投 資 管 理 委 員 會 風 險 管 理 委 員 會 監 督 委 員 會 提 名 與 評 價 委 員 會 監 事 會 董 事 會 關 聯 交 易 控 制 委 員 會 提 名 委 員 會 薪 酬 與 考 核 委 員 會 行 長 審 計 委 員 會 董 事 會 秘 書 財 務 總 監 公 司 銀 行 管 理 委 員 會 產 品 創 新 管 理 委 員 會 零 售 銀 行 管 理 委 員 會 風 險 管 理 委 員 會 資 產 負 債 管 理 委 員 會 信 息 科 技 管 理 委 員 會 公 司 公 司 理 制 展 董 事 管 評 價 關 聯 信 行 董 監 事 公 司 1 公 司 計 會 69 會 3 董 事 會 會 10 董 事 會 委 員 會 會 45 監 事 會 會 7 監 事 會 委 員 會 會 4 會 審 公 司 董 事 會 監 事 會 行 財 務 關 聯 交 易 制 225 2 監 管 公 司 公 司 會 事 董 事 會 事 資 管 理 風 險 管 理 計 核 管 理 制 制 制 公 司 理 制 董 事 會 監 事 會 制 提 公 司 理 104

3 4 5 6 7 8 9 105

10 751 11 12 2012 3 22 13 106

18 93 6 3 6 2013 8 1 2 3 4 5 6 7 107

8 9 10 11 12 13 14 15 16 17 18 19 108

109 10 2014 1 10 2014 1 11 2014 1 20 2014 1 21 2014 3 14 2014 3 15 2014 3 28 2014 3 29 2014 4 25 2014 7 31 2014 8 1 2014 8 28 2014 8 29 2014 10 15 2014 10 16 2014 10 30 2014 11 7 2014 11 8 10 68

2014 10/10 10/10 10/10 10/10 10/10 10/10 10/10 10/10 10/10 10/10 10/10 10/10 10/10 10/10 10/10 10/10 6/6 5/5 3/3 2014 12 23 2014 12 31 1 20132013 101 10 2 28.37 56.73A H2014 6 25 A2014 6 30 A2014 7 14 H2014 8 8 H 2014 2014 100.75 25.61 AH2015 1 9 A 2015 2 2 H 110

2 2014 3/3 3/3 1/3 3/3 3/3 3/3 3/3 3/3 3/3 3/3 3/3 3/3 3/3 3/3 3/3 2/3 2/2 1/1 0/1 2014 12 23 2014 12 31 6 1 2007 3 1 2 47 131 76 111

2 60 2014 2014 3 (1) (2) (3) (4) (5) (6) 1 112

4 2014 10 10 0 10 10 0 10 10 0 10 7 3 10 10 0 10 10 0 6 3.13 2014 1 18 18 2014 1 18 28 2014 8 18 2014 8 188 28 2014 8 28 2014 8 28 2015 1 31 113

2014 12 31 2014 12 31 (1) (2) (3) (4) (5) 2014 2014 2014 1 2014 8 2014 3 25 7 2014 8 18 6 2014 10 15 8 2015 1 14 2015 1 31 8 114

2014742 10 7/7 7/7 7/7 3/3 7/7 1/2 4/4 7/7 2/2 7/7 7 2 2014 2014 (1) 73 44210 19 (2) (3) 115

(4) (5) (6) (7) 29 74 (8) 116

1 2014 10 2014 10 15 10 2015 1 31 9 2014 68 6/6 5/5 6/6 6/6 1/1 4/6 6/6 6/6 6/6 6/6 6/6 6 2 (1) 117

1% (2) 118

3 2014 (1) 2013 2013 (2) (3) (4) 37 119

1 2014 9 20145113 5/5 5/5 5/5 5/5 5/5 5/5 2/5 5/5 5/5 120

2 2014 (1) (2) 2014 (3) 2013 (4) 13312013 (5) 2013 2013 2013 121

(6) 1 2014 5 2015 1 14 6 201413 24 122

13/13 12/13 13/13 13/13 13/13 2 2014 2014 13 2014 2014 2014 2013 2014 1 2014 6 2014 3 25 5 123

5 4 14 1 2014 721 2/2 7/7 7/7 7/7 7/7 7/7 2014 3 25 124

2 2014 (1) (2) (3) 2013 2013 2014 2014 2014 (4) 125

1 2014 8 2014 3 25 7 7 4 214 2 2014 711 2/2 7/7 7/7 7/7 7/7 7/7 7/7 7/7 2014 3 25 126

2 2014 (1) 2014 (2) A+H (3) A (4) 127

732 22 3 2 2014 6 11 1 2 3 4 5 6 7 8 9 128

10 11 12 7 2014 1 28 2014 3 28 2014 4 25 2014 8 28 2014 9 3 2014 10 30 2014 11 7 2014 1 29 2014 3 29 2014 9 4 2014 11 8 20132014 2013 2013 18 129

2014 7/7 3/3 7/7 6/7 7/7 7/7 7/7 7/7 2014 6 11 2014 2014 3/3 1/1 3/3 3/3 3/3 3/3 3/3 2/3 2014 2012 4 10 6 2014 6 11 2014 5 130

2014 24 2/2 2/2 1/1 2/2 2/2 2/2 2014 20142014 1 2013 2014 2014 2014 2 2014 131

3 2013 2013 4 5 2014 2012 4 10 7 2013 6 18 2014 6 112014 5 132

201422 2/2 0/1 2/2 2/2 2/2 2/2 2014 2014 1 2 3 133

4 20142014 2009 134

458 150 2014H LACP2013 LACP 80 59 20ARC2013 2014 450 200 13 400 10 60 570 e40012 135

1 10% 2 10% 10 5 10 10% 5 90 10% 2 2 100031 86-10-68946790 86-10-58560720 cmbc@cmbc.com.cn 136

3 3% 3% 10 2 3% 3% 2 2014 2014 12 23 2014 2014A 2014H 2014 12 5 (www.hkexnews.hk) 2014 2014A2014H 2014 12 31 137

2014 12 31 15 138

2014 2 27 2014 2014 2 27 2014 6 10 2013 2013 2013 20142013 2013 2013 2014 2014 6 10 2014 12 23 2014 2014A 2014H 2014 2016 2014 2016 2014 2016 A 2014 2014 12 23 139

2.0 140

67 4516 1,983 8 1 8 12 141

142

2014 12 31 2014 12 31 96 1248 138 15284 100% 100% 82.76% 62.08% 671 155 53 12030715 21 143

2014435.74 250.95 25.61 184.79 2014 2014 10% 37.93 2014 12 1.5% 67.00 2014 12 836.64 AH 101.10 2014 12 31341.53 37.57 A A H 10% H 10% H 10% 144

2011 6 28(1993)045 10% HH 10% A 10% 10% A H H H HH [2014]81 H H 20% H H 145

2013 2012 2011 7,318 8,510 8,510 42,278 37,563 27,920 % 17.31 22.66 30.48 2/3 146

2014 2015 2014 20142014 20142014 2014 2014 2014 2014 2015 2015 2015 20152015 2015 2015 147

20152015 2015 148

1. 2014 1 2. 2014 7 3. 2014 10 1. 2014 1 3 91 139 2,269 56 38933 2. 2014 10 8 15 20 52058 3 2013 2014 2014 2014 149

1. 10 2. 3. 4. 150

2014 3 18200 2014 2014 151

2014 12 31 1003,106 1,976,497 77 39,114 (CBD) Z4 2010P26 1 2 2012-8 G 152

2014 2014 2014 2014 980 100 4 3 4 46 2014 12 31 12 153

2014 12 3120142014 5% 1 2014 8 26 [2014]240 11 2 2014 9 3 [2014]193 123 3 2014 11 14 [2014]781 20 100% 154

2013 (2008-2013) 155

1013 19 68 1,70011 15 7 140 1984 2014 2009 2014 (2014) 156

2014 2014 157

159289 2014 12 31 2014 12 31 10 8 2015 3 30 158

2014 12 31 2014 2013 199,052 182,154 (106,916) (99,121) 6 92,136 83,033 42,293 33,061 (4,054) (3,105) 7 38,239 29,956 8 1,666 (25) 9 2,014 2,505 10 (21,132) (12,989) 11 (54,082) (45,962) 952 633 59,793 57,151 13 (14,226) (13,869) 45,567 43,282 44,546 42,278 1,021 1,004 45,567 43,282 14 1.31 1.24 1.24 1.19 171 289 159

2014 12 31 2014 2013 45,567 43,282 39 3,267 (3,219) 39 (817) 804 10 (19) 2,460 (2,434) 48,027 40,848 47,000 39,852 1,027 996 48,027 40,848 171 289 160

2014 12 31 2014 2013 15 471,632 433,802 16 75,462 88,885 25,639 2,913 17 27,213 22,262 18 3,231 1,986 19 176,416 108,026 20 675,878 570,424 21 1,774,159 1,539,447 22 159,724 111,532 22 176,834 133,124 22 234,393 37,818 23 88,824 82,543 24 36,936 24,102 25 11,764 10,683 27 77,031 58,663 4,015,136 3,226,210 171 289 161

2014 12 31 2014 2013 50,745 405 29 2,433,810 2,146,689 30 891,719 573,677 21 18 2,558 1,883 31 83,291 64,567 32 98,847 81,430 1,931 2,188 33 129,279 91,968 3,026 2,475 34 72,153 56,641 3,767,380 3,021,923 171 289 162

2014 12 31 2014 2013 35 34,153 28,366 35 49,949 49,234 36 17,077 16,456 36 49,344 42,487 39 (392) (2,842) 36 90,019 64,023 (8) (12) 240,142 197,712 37 7,614 6,575 247,756 204,287 4,015,136 3,226,210 2015 3 30 171 289 163

2014 12 31 2014 2013 15 468,023 430,132 16 69,027 82,502 25,639 2,913 17 27,156 22,262 18 3,231 1,986 19 179,011 108,026 20 675,868 570,424 21 1,759,094 1,524,803 22 158,335 111,512 22 176,834 133,124 22 228,946 37,818 24 22,629 18,622 25 11,060 10,135 26 3,725 3,725 27 56,504 41,137 3,865,082 3,099,121 171 289 164

2014 12 31 2014 2013 50,000 29 2,406,308 2,124,978 30 896,254 579,989 31 80,075 55,345 18 2,558 1,883 1,931 2,188 33 129,279 91,968 2,601 2,125 34 59,746 45,768 3,628,752 2,904,244 171 289 165

2014 12 31 2014 2013 35 34,153 28,366 35 49,652 48,937 36 17,077 16,456 36 48,445 41,700 39 (392) (2,842) 36 87,400 62,264 (5) (4) 236,330 194,877 3,865,082 3,099,121 2015 3 30 171 289 166

2014 12 31 2014 1 1 28,366 49,234 16,456 42,487 (2,842) 64,023 (12) 197,712 6,575 204,287 44,546 44,546 1,021 45,567 2,450 4 2,454 6 2,460 2,450 44,546 4 47,000 1,027 48,027 21 21 113 878 991 991 36 621 (621) 36 6,857 (6,857) 38 (5,398) (5,398) (9) (5,407) 38 5,674 (5,674) 33 (163) (163) (163) 2014 12 31 34,153 49,949 17,077 49,344 (392) 90,019 (8) 240,142 7,614 247,756 171 289 167

2013 12 31 2013 1 1 28,366 45,714 12,330 39,480 (427) 37,615 (1) 163,077 5,467 168,544 42,278 42,278 1,004 43,282 (2,415) (11) (2,426) (8) (2,434) (2,415) 42,278 (11) 39,852 996 40,848 121 121 6 6 6 36 4,126 (4,126) 36 3,007 (3,007) 38 (8,737) (8,737) (9) (8,746) 33 3,514 3,514 3,514 2013 12 31 28,366 49,234 16,456 42,487 (2,842) 64,023 (12) 197,712 6,575 204,287 171 289 168

2014 12 31 2014 2013 59,793 57,151 21,132 12,989 3,558 2,417 (257) (985) (16) 11 (1,258) 378 8 (182) 5,761 4,186 (20,724) (11,209) 67,997 64,756 (26,766) (1,414) (90,503) 5,504 (108,090) 163,920 (261,184) (202,340) (42,429) (12,317) (528,972) (46,647) 287,121 220,495 318,042 (203,585) 18,717 (68,221) (15,573) (15,719) 50,340 74 31,491 13,609 690,138 (53,347) 229,163 (35,238) 171 289 169

2014 12 31 2014 2013 323,732 223,410 126 690 (589,642) (283,121) (18,649) (14,700) (284,433) (73,721) 21 121 51,610 19,912 (14,600) (3,606) (3,490) (2,899) (8,746) 30,526 7,797 (24,744) (101,162) 1 1 157,001 258,568 (125) (405) 12 31 40 132,132 157,001 171 289 170

2014 1 1996 2 7 B0009H111000001 100000000018983 AH 600016 01988 2014 12 31 3931 2 (1) (i)(ii) 4 171

2 (1) (i) 10 12 27 32 36 10 12 27 10 32 32 32 36 36 (ii) 2014 12 31 2014 12 31 9 2018 1 1 172

2 (2) (i) 2(17) (ii) (3) 43 44 173

2 (4) (i) (ii) (5) (i) a (i) (ii) (iii) (i) (ii) (iii) 174

2 (5) (i) b (1)(2) (3) c (1) (2) (3) d (ii) (i) (ii) (iii) 175

2 (5) (ii) (iii) (i) (ii) (iii) (iv) (6) 176

2 (6) (i) 50%) (i) (ii) (iii) 177

2 (6) (i) (ii) (7) (i) (ii) (iii) (i) a b 178

2 (7) (ii) (i) (ii) (8) (i) (ii) (iii) (9) (10) 179

2 (11) (12) (13) (14) 40 5% 2.38% 180

2 (15) 15 40 5% 2.38% 6.33% 5 10 0% 10% 20% 5 10 5% 9.5% 19% 5 24 5% 3.96% 19% 2(17) (16) 2(17) (17) 181

2 (17) (i) (ii) (18) (19) (1) (2) 182

2 (20) (21) (i) (ii) (22) 2(6)(i) (23) (24) 183

2 (25) (26) (27) (i) a b c (ii) a b c d e f (i) (i)(a)(i)(a) (28) (i) (ii) (iii) 184

3 (1) 2014 12 31 29 2014 (2) 185

3 (2) (i) a b BBB A A-1 (ii) 186

3 (2) (ii) a b c (iii) 2(6) (1) (2) 187

3 (2) (iv) 2014 2013 2014 2013 461,667 424,643 458,252 421,130 75,462 88,885 69,027 82,502 27,213 22,262 27,156 22,262 3,231 1,986 3,231 1,986 176,416 108,026 179,011 108,026 675,878 570,424 675,868 570,424 1,135,706 945,913 1,131,514 938,646 638,453 593,534 627,580 586,157 567,382 282,040 560,935 282,040 88,824 82,543 57,280 47,368 43,272 34,812 3,907,512 3,167,624 3,775,846 3,047,985 1,025,117 824,756 1,020,510 822,121 4,932,629 3,992,380 4,796,356 3,870,106 188

3 (2) (v) 2014 2013 2014 2013 1,762,876 1,546,301 1,748,317 1,531,799 28,656 14,558 27,803 14,199 21,134 13,404 20,925 13,264 1,812,666 1,574,263 1,797,045 1,559,262 (28,220) (28,060) (27,880) (27,773) (3,265) (1,619) (3,184) (1,606) (7,022) (5,137) (6,887) (5,080) (38,507) (34,816) (37,951) (34,459) 1,734,656 1,518,241 1,720,437 1,504,026 25,391 12,939 24,619 12,593 14,112 8,267 14,038 8,184 1,774,159 1,539,447 1,759,094 1,524,803 189

3 (2) (v) a 2014 2013 2014 2013 1,128,370 951,502 1,124,566 944,297 634,506 594,799 623,751 587,502 1,762,876 1,546,301 1,748,317 1,531,799 2014 2013 2014 2013 322,365 265,784 322,106 265,572 582,908 554,932 575,278 546,484 650,795 520,588 646,262 516,693 206,808 204,997 204,671 203,050 1,762,876 1,546,301 1,748,317 1,531,799 b 90 2014 30 30 60 60 90 90 6,668 2,551 3,418 3,002 15,639 7,340 2,502 2,229 946 13,017 14,008 5,053 5,647 3,948 28,656 190

3 (2) (v) b 2013 30 30 60 60 90 90 5,617 797 639 247 7,300 3,313 1,833 1,636 476 7,258 8,930 2,630 2,275 723 14,558 2014 30 30 60 60 90 90 6,583 2,402 3,276 2,924 15,185 7,235 2,365 2,186 832 12,618 13,818 4,767 5,462 3,756 27,803 2013 30 30 60 60 90 90 5,536 785 620 198 7,139 3,221 1,801 1,624 414 7,060 8,757 2,586 2,244 612 14,199 2014 12 31 112.56 2013 65.15 197.25 2013 67.72 191

3 (2) (v) c 2014 2013 2014 2013 13,976 9,932 13,878 9,846 7,158 3,472 7,047 3,418 21,134 13,404 20,925 13,264 1.17% 0.85% 1.16% 0.85% (3,864) (3,344) (3,834) (3,311) (3,158) (1,793) (3,053) (1,769) (7,022) (5,137) (6,887) (5,080) 9030 180 9030 90 2014 2013 2014 2013 4,715 2,775 4,715 2,775 10,088 5,936 9,939 5,826 3,810 3,594 3,750 3,570 2,521 1,099 2,521 1,093 21,134 13,404 20,925 13,264 5,459 4,230 5,447 4,219 192

3 (2) (v) d 2014 12 3131.56 2013 6.12 90 2014 2013 54 135 0.01% 0.01% (vi) 2014 2013 2014 2013 179 179 (156) (156) 23 23 A AAA 498,123 484,453 494,273 478,320 B BBB 288,930 226,099 288,930 225,849 140,680 56,783 140,680 56,783 927,733 767,335 923,883 760,952 927,756 767,335 923,906 760,952 193

3 (2) (vii) 2014 2013 82,287 80,395 7,893 3,698 997 688 91,177 84,781 (1,255) (1,423) (810) (519) (288) (296) (2,353) (2,238) 88,824 82,543 (viii) 2014 27,044 154,824 176,567 234,393 592,828 27,044 154,824 176,567 234,393 592,828 2014 26,987 153,824 176,567 228,946 586,324 26,987 153,824 176,567 228,946 586,324 194

3 (2) (viii) 2013 22,262 110,065 132,857 37,818 303,002 22,262 110,065 132,857 37,818 303,002 2014 AA- AA+ 169 1,183 1,352 A- A+ 96 96 A- 52 52 267 267 169 1,331 267 1,767 2013 AA- AA+ 885 885 A- 84 84 64 267 331 1,033 267 1,300 2014 12 31 3.44 2013 3.44 2.91 2013 2.90 195

3 (2) (ix) a 2014 447,714 7,155 2,912 3,886 461,667 40,901 12,625 9,008 12,928 75,462 162,954 300 300 12,862 176,416 187,307 193,821 109,239 185,511 675,878 541,053 556,898 195,054 519,661 1,812,666 (11,166) (12,117) (4,500) (10,724) (38,507) 82,203 6,621 88,824 49,690 6,574 2,854 1,393 60,511 1,500,656 765,256 314,867 732,138 3,312,917 2013 401,325 11,807 3,849 7,662 424,643 51,552 19,768 8,895 8,670 88,885 85,888 12,969 1,600 7,569 108,026 207,580 152,111 53,346 157,387 570,424 475,995 506,901 169,256 422,111 1,574,263 (9,866) (12,353) (3,829) (8,768) (34,816) 81,539 1,004 82,543 42,439 4,540 1,350 1,025 49,354 1,336,452 695,743 234,467 596,660 2,863,322 196

3 (2) (ix) a 2014 447,587 5,253 2,591 2,821 458,252 37,433 11,274 8,355 11,965 69,027 165,549 300 300 12,862 179,011 187,307 193,821 109,229 185,511 675,868 540,882 548,593 194,158 513,412 1,797,045 (11,160) (11,785) (4,476) (10,530) (37,951) 36,033 6,508 2,624 1,338 46,503 1,403,631 753,964 312,781 717,379 3,187,755 2013 401,130 9,929 3,592 6,479 421,130 47,914 18,745 8,087 7,756 82,502 85,888 12,969 1,600 7,569 108,026 207,580 152,111 53,346 157,387 570,424 475,787 498,382 168,445 416,648 1,559,262 (9,861) (12,121) (3,811) (8,666) (34,459) 30,100 4,475 1,266 957 36,798 1,238,538 684,490 232,525 588,130 2,743,683 197

3 (2) (ix) a 2014 27,044 169 27,213 154,920 52 1,183 156,155 176,566 138 130 176,834 234,393 234,393 592,923 221 138 1,313 594,595 2014 26,987 169 27,156 153,920 52 1,183 155,155 176,566 138 130 176,834 228,946 228,946 586,419 221 138 1,313 588,091 2013 22,262 22,262 110,195 53 64 786 111,098 132,857 130 137 133,124 37,818 37,818 303,132 183 201 786 304,302 198

3 (2) (ix) b 2014 461,667 461,667 75,462 75,462 176,416 176,416 675,878 675,878 28,633 225,001 233,260 648,812 1,135,706 25,794 75,200 205,662 304,641 611,297 638,453 638,453 252,579 252,579 128,336 371,523 13,998 717 52,808 567,382 429 12,733 2,262 73,400 88,824 2,600 20,493 5,950 6,492 50,099 2,090 87,724 592,603 1,348,834 257,682 242,731 825,119 640,543 3,907,512 2013 424,643 424,643 88,885 88,885 108,026 108,026 570,424 570,424 27,245 216,638 162,108 539,922 945,913 23,165 73,849 146,216 261,938 505,168 593,534 593,534 216,308 216,308 162,194 51,998 11,633 1,245 54,970 282,040 257 26,511 5,071 50,704 82,543 10,007 7,491 3,802 5,891 42,512 1,913 71,616 596,844 854,326 258,584 174,315 688,108 595,447 3,167,624 199

3 (2) (ix) b 2014 458,252 458,252 69,027 69,027 179,011 179,011 675,868 675,868 28,633 223,515 233,260 646,106 1,131,514 25,794 74,300 205,662 303,645 609,401 627,580 627,580 247,365 247,365 128,336 365,100 13,984 717 52,798 560,935 2,600 21,279 5,945 5,490 36,294 2,051 73,659 589,188 1,338,918 243,444 239,467 735,198 629,631 3,775,846 2013 421,130 421,130 82,502 82,502 108,026 108,026 570,424 570,424 27,245 213,429 162,108 535,864 938,646 23,165 72,502 146,216 260,459 502,342 586,157 586,157 213,330 213,330 162,194 51,998 11,633 1,245 54,970 282,040 10,007 7,305 3,790 5,885 30,190 1,883 59,060 593,331 847,500 228,852 169,238 621,024 588,040 3,047,985 200

3 (3) (i) (VaR) (ii) VaR 201

3 (3) (ii) 2014 468,000 2,899 523 210 471,632 59,592 13,843 747 1,280 75,462 166,560 7,097 2,461 298 176,416 675,878 675,878 1,688,693 80,334 4,380 752 1,774,159 569,352 416 1,183 570,951 81,958 6,866 88,824 136,981 18,470 356 26,007 181,814 3,847,014 129,925 9,650 28,547 4,015,136 50,745 50,745 2,321,374 88,809 18,968 4,659 2,433,810 866,876 11,524 2,407 10,912 891,719 83,219 72 83,291 73,832 25,015 98,847 129,279 129,279 76,430 2,357 741 161 79,689 3,601,755 127,777 22,116 15,732 3,767,380 245,259 2,148 (12,466) 12,815 247,756 930 (135) (122) 673 967,255 56,009 394 1,459 1,025,117 202

3 (3) (ii) 2013 402,368 30,820 400 214 433,802 79,754 6,941 622 1,568 88,885 98,647 7,177 393 1,809 108,026 570,424 570,424 1,473,687 60,583 3,955 1,222 1,539,447 281,174 514 786 282,474 79,784 2,759 82,543 116,156 1,240 168 3,045 120,609 3,101,994 110,034 6,324 7,858 3,226,210 405 405 2,075,649 57,856 10,762 2,422 2,146,689 561,738 6,358 165 5,416 573,677 64,567 64,567 69,913 11,517 81,430 91,968 91,968 62,362 519 219 87 63,187 2,926,602 76,250 11,146 7,925 3,021,923 175,392 33,784 (4,822) (67) 204,287 141 (41) 3 103 779,203 43,541 94 1,918 824,756 203

3 (3) (ii) 2014 464,391 2,899 523 210 468,023 54,761 12,247 739 1,280 69,027 169,155 7,097 2,461 298 179,011 675,868 675,868 1,673,628 80,334 4,380 752 1,759,094 562,516 416 1,183 564,115 121,650 1,931 356 26,007 149,944 3,721,969 104,924 9,642 28,547 3,865,082 50,000 50,000 2,293,872 88,809 18,968 4,659 2,406,308 871,411 11,524 2,407 10,912 896,254 80,003 72 80,075 129,279 129,279 64,427 1,515 733 161 66,836 3,488,992 101,920 22,108 15,732 3,628,752 232,977 3,004 (12,466) 12,815 236,330 930 (135) (122) 673 962,648 56,009 394 1,459 1,020,510 204

3 (3) (ii) 2013 398,698 30,820 400 214 430,132 73,378 6,934 622 1,568 82,502 98,647 7,177 393 1,809 108,026 570,424 570,424 1,459,043 60,583 3,955 1,222 1,524,803 281,154 514 786 282,454 96,327 1,240 168 3,045 100,780 2,977,671 107,268 6,324 7,858 3,099,121 2,053,938 57,856 10,762 2,422 2,124,978 568,050 6,358 165 5,416 579,989 55,345 55,345 91,968 91,968 51,139 519 219 87 51,964 2,820,440 64,733 11,146 7,925 2,904,244 157,231 42,535 (4,822) (67) 194,877 141 (41) 3 103 776,568 43,541 94 1,918 822,121 2014 12 31 100 0.03 2013 0.35 100 0.03 2013 0.35 205

3 (3) (ii) a b c d e f 100 100 (iii) 206

3 (3) (iii) 2014 461,667 9,965 471,632 64,575 10,854 33 75,462 61,503 94,841 20,072 176,416 371,847 290,463 13,568 675,878 (i) 1,600,988 109,236 60,661 3,274 1,774,159 89,494 173,900 240,496 63,492 3,569 570,951 88,824 88,824 5,399 12,894 8,136 784 154,601 181,814 2,744,297 692,188 342,966 67,550 168,135 4,015,136 50,145 600 50,745 1,579,233 656,194 198,042 341 2,433,810 670,167 221,552 891,719 73,825 7,959 1,507 83,291 19,927 62,637 10,214 6,069 98,847 21,209 15,757 49,963 42,350 129,279 79,689 79,689 2,414,506 964,699 259,726 48,760 79,689 3,767,380 329,791 (272,511) 83,240 18,790 88,446 247,756 207

3 (3) (iii) 2013 424,643 9,159 433,802 72,715 8,701 3,858 3,611 88,885 79,749 20,177 8,100 108,026 249,360 215,907 105,157 570,424 (i) 1,430,769 89,501 18,190 987 1,539,447 25,509 52,585 155,929 48,017 434 282,474 82,543 82,543 1,464 4,625 13,804 2,369 98,347 120,609 2,366,752 391,496 305,038 54,984 107,940 3,226,210 35 350 20 405 1,424,986 480,768 240,894 41 2,146,689 434,473 135,104 4,100 573,677 58,006 2,988 3,191 382 64,567 17,990 50,737 9,706 2,997 81,430 18,651 1,000 49,937 22,380 91,968 63,187 63,187 1,954,141 670,947 307,848 25,800 63,187 3,021,923 412,611 (279,451) (2,810) 29,184 44,753 204,287 (i) 2014 12 31 394.29 2013 207.33 208

3 (3) (iii) 2014 458,252 9,771 468,023 59,607 9,420 69,027 61,791 97,148 20,072 179,011 371,837 290,463 13,568 675,868 (i) 1,592,295 102,964 60,572 3,263 1,759,094 89,454 168,980 239,009 63,492 3,180 564,115 5,366 12,870 8,136 784 122,788 149,944 2,638,602 681,845 341,357 67,539 135,739 3,865,082 50,000 50,000 1,562,632 647,076 196,497 103 2,406,308 674,866 221,388 896,254 73,492 6,583 80,075 21,209 15,757 49,963 42,350 129,279 66,836 66,836 2,382,199 890,804 246,460 42,453 66,836 3,628,752 256,403 (208,959) 94,897 25,086 68,903 236,330 209

3 (3) (iii) 2013 421,130 9,002 430,132 70,232 8,662 3,608 82,502 79,749 20,177 8,100 108,026 249,360 215,907 105,157 570,424 (i) 1,418,953 86,677 18,186 987 1,524,803 25,509 52,586 155,928 48,017 414 282,454 1,464 4,624 13,805 2,369 78,518 100,780 2,266,397 388,633 304,784 51,373 87,934 3,099,121 1,412,001 473,436 239,500 41 2,124,978 440,816 135,073 4,100 579,989 55,345 55,345 18,651 1,000 49,937 22,380 91,968 51,964 51,964 1,926,813 609,509 293,537 22,421 51,964 2,904,244 339,584 (220,876) 11,247 28,952 35,970 194,877 (i) 2014 12 31 385.90 2013 203.09 210

3 (3) (iii) 2014 1 1 100 2014 2013 2014 2013 100 1,398 1,924 1,095 1,510 100 (1,398) (1,924) (1,095) (1,510) a b c d e f g h 211

3 (4) 75% 2014 12 31 17.5% 5% (i) 212

3 (4) (ii) (i) 2014 410,561 61,071 471,632 33,678 16,474 15,044 10,233 33 75,462 28,871 32,632 94,841 20,072 176,416 23 143,249 228,575 290,463 13,568 675,878 (ii) 28,102 11,401 230,110 164,740 785,913 443,383 110,510 1,774,159 3,621 7,938 11,914 42,461 84,220 9,570 159,724 3,978 19,974 93,557 59,325 176,834 10,617 21,773 112,345 86,758 2,900 234,393 9,183 137 3,990 3,615 19,214 47,569 5,116 88,824 50,412 25,639 48,901 17,024 28,179 10,137 1,522 181,814 501,902 131,926 490,150 499,295 1,403,623 799,297 188,943 4,015,136 50,060 85 600 50,745 1,106,971 165,781 309,308 653,387 197,918 445 2,433,810 157,252 402,196 110,396 221,875 891,719 70,340 3,485 7,959 1,507 83,291 4,287 15,641 62,636 10,214 6,069 98,847 329 2,284 14,758 66,888 45,020 129,279 2,025 14,233 18,883 9,828 20,894 12,216 1,610 79,689 2,025 1,278,456 711,876 451,027 982,109 288,743 53,144 3,767,380 499,877 (1,146,530) (221,726) 48,268 421,514 510,554 135,799 247,756 125,397 147,351 242,483 71,159 586,390 213

3 (4) (ii) (i) 2013 388,289 45,513 433,802 14,663 49,736 11,494 8,918 3,858 216 88,885 31,987 47,762 20,177 8,100 108,026 47,111 202,249 215,907 105,157 570,424 (ii) 12,166 9,040 182,914 164,614 767,519 302,652 100,542 1,539,447 488 3,203 12,735 24,462 64,682 5,962 111,532 525 7,836 12,011 74,001 38,751 133,124 485 681 16,113 17,289 3,250 37,818 4,155 2,739 3,699 19,796 47,829 4,325 82,543 37,604 3,122 28,093 10,767 20,847 16,620 3,556 120,609 442,702 72,338 346,793 461,837 1,105,750 640,188 156,602 3,226,210 35 350 20 405 1,012,149 143,971 269,504 478,498 240,347 2,220 2,146,689 40,908 278,240 115,325 135,104 4,100 573,677 43,559 7,670 9,765 3,191 382 64,567 5,440 12,550 50,737 9,706 2,997 81,430 49,937 42,031 91,968 2,282 22,214 8,611 5,243 12,830 10,354 1,653 63,187 2,282 1,075,271 479,821 410,327 687,284 317,655 49,283 3,021,923 440,420 (1,002,933) (133,028) 51,510 418,466 322,533 107,319 204,287 79,154 72,068 152,621 77,752 381,595 214

3 (4) (ii) (i) 2014 407,576 60,447 468,023 29,832 15,588 14,187 9,420 69,027 28,871 32,920 97,148 20,072 179,011 23 143,239 228,575 290,463 13,568 675,868 (ii) 27,436 11,221 229,020 162,731 773,963 442,900 111,823 1,759,094 3,232 7,938 11,914 42,461 83,220 9,570 158,335 3,978 19,974 93,557 59,325 176,834 10,577 21,773 107,425 86,271 2,900 228,946 37,847 25,639 21,882 22,161 29,056 11,980 1,379 149,944 476,114 127,139 457,115 498,239 1,369,910 751,568 184,997 3,865,082 50,000 50,000 1,099,378 156,403 306,851 647,076 196,497 103 2,406,308 159,543 404,947 110,376 221,388 896,254 70,233 3,259 6,583 80,075 329 2,284 14,758 66,888 45,020 129,279 1,949 13,380 17,634 8,941 19,274 5,518 140 66,836 1,949 1,272,301 699,546 431,711 909,079 268,903 45,263 3,628,752 474,165 (1,145,162) (242,431) 66,528 460,831 482,665 139,734 236,330 125,397 147,351 242,483 71,159 586,390 215

3 (4) (ii) (i) 2013 385,404 44,728 430,132 14,647 44,974 10,611 8,662 3,608 82,502 31,987 47,762 20,177 8,100 108,026 47,111 202,249 215,907 105,157 570,424 (ii) 11,898 8,879 182,045 162,673 756,538 302,250 100,520 1,524,803 468 3,203 12,735 24,462 64,682 5,962 111,512 525 7,836 12,011 74,001 38,751 133,124 485 681 16,113 17,289 3,250 37,818 34,000 3,348 12,394 10,534 20,434 16,686 3,384 100,780 431,770 71,602 322,724 455,081 1,074,304 591,773 151,867 3,099,121 1,007,424 138,813 265,764 473,436 239,500 41 2,124,978 40,909 284,591 115,316 135,073 4,100 579,989 43,033 5,535 6,777 55,345 49,937 42,031 91,968 2,194 21,954 8,373 4,582 10,845 3,936 80 51,964 2,194 1,070,287 474,810 391,197 626,131 297,473 42,152 2,904,244 429,576 (998,685) (152,086) 63,884 448,173 294,300 109,715 194,877 79,154 72,068 152,621 77,752 381,595 (i) (ii) 216