複製 -c00998 (High).pdf

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2013328 1515 141 2012 2012 2012 201270.18 AH101.50 2012 198726 201248 5320074 900 30

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2 CHINA CITIC BANK CORPORATION LIMITED CNCB ACSACIS 8C 100027 bank.ecitic.com / +86-10-65558000/+86-10-65550809 ir_cncb@citicbank.com 128 A www.sse.com.cn H www.hkexnews.hk 128 100738) 108 122728 4823 201171320121231 A 16636

H 18346 A 601998 H 0998 20121123 100000000006002 B0006H111000001 110105101690725 10169072-5 8C 8C +86-10-65558000 +86-10-65558000 +86-10-65550809 +86-10-65550809 ir_cncb@citicbank.com ir_cncb@citicbank.com 1987420 20061231 20121123 01600 1000001000600 100000000006002 0521 B10611000H0001 B0006H111000001 110105101690725 110105101690725 110105101690725 10169072-5 10169072-5 2007420121123 20140908 200742720132 3

2012 2011 (%) 89,711 77,092 16.37 41,609 41,590 0.05 31,032 30,819 0.69 (55,426) 300,104 (118.47) 0.66 0.71 (7.04) 0.66 0.71 (7.04) (1.18) 6.41 (118.41) 2011 2012 2011 (ROAA) 1.10% 1.27% (0.17) ROAE 16.65% 20.92% (4.27) 31.58% 29.88% 1.70 0.84% 0.43% 0.41 2.61% 2.85% (0.24) 2.81% 3.00% (0.19) 2012 2011 (%) 2,959,939 2,765,881 7.02 1,662,901 1,434,037 15.96 2,756,853 2,587,100 6.56 2,255,141 1,968,051 14.59 198,356 174,496 13.67 4.24 3.73 13.67 (%)/ 2012 2011 1,650,646 1,425,496 15.79 12,255 8,541 43.48 35,325 23,258 51.88 0.74% 0.60% 0.14 288.25% 272.31% 15.94 2.12% 1.62% 0.50 2012 2011 13.44% 12.27% 1.17 9.89% 9.91% (0.02) 6.86% 6.46% 0.40 4

2008 2012 2011 2010 2009 89,711 77,092 56,356 40,983 41,963 41,609 41,590 28,695 19,265 17,713 31,032 30,819 21,509 14,320 13,296 (55,426) 300,104 37,325 (7,697) 140,459 0.66 0.71 0.53 0.35 0.38 0.66 0.71 0.53 0.35 0.38 (1.18) 6.41 0.96 (0.20) 4.23 2,959,939 2,765,881 2,081,314 1,775,031 1,319,570 1,662,901 1,434,037 1,264,245 1,065,649 730,386 2,756,853 2,587,100 1,956,776 1,668,023 1,190,196 2,255,141 1,968,051 1,730,816 1,341,927 1,027,325 198,356 174,496 120,175 102,798 119,366 4.24 3.73 3.08 2.63 3.06 (ROAA) 1.10% 1.27% 1.13% 0.94% 1.09% (ROAE) 16.65% 20.92% 19.29% 12.91% 13.29% 31.58% 29.88% 33.63% 39.95% 34.72% 0.84% 0.43% 0.36% 0.25% 0.81% 2.61% 2.85% 2.54% 2.39% 2.94% 2.81% 3.00% 2.63% 2.51% 3.16% 0.74% 0.60% 0.67% 0.95% 1.41% 288.25% 272.31% 213.51% 149.36% 136.11% 13.44% 12.27% 11.31% 10.72% 14.32% 9.89% 9.91% 8.45% 9.17% 12.32% 5

2012 29,599.397.02% 22,551.4114.59% 16,629.0115.96% 310.321.10% 16.70% 122.550.74% 2%2.12%0.50 200 13.44%1.17 2012 7

201229,599.39 7.02%22,551.4114.5916,629.01 15.96310.321.10% 16.70%122.550.74% 2%2.12%0.50 200 13.44%1.17 20121,000 4850 2012 2012 12500 6945 2012 2011 AAA 8

2012 2013 2013328 9

2012 201229,599.397.02%22,551.41 14.5916,629.0115.96 310.320.69%754.86 15.94%139.4917.79% 11

2012 122.5537.140.74% 0.142.12%2.21%0.53 20013.44%1.17 2012 25.98%69.23% 68.57%15.96% 45.92%4.48 15.60%0.21 24.65 25.05%112885 2012201250069 4Interbrand20125019 10004853 12

2013 2013328 13

2 50069 4 5 2012 4 7 100048 53 9 ASIA MONEYFX POLL 2012 14

10 2012 11 2012(CFV) 12 21212012 12 Interbrand20125019 15

18

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2012 519,3227.8% 364,835 20.6%210,30714.3%38,668 6.2%2,3112.6%1.7% 20122012(M2)97.42 13.8%(M1)30.876.5% 62.998.2091.7410.812012 6.28550.25%2012 2,269.133.17% 2012 2012 2012 29,599.397.02% 16,629.0115.96%22,551.4114.59% 310.32 0.69%547.1312.12%754.86 15.94%142.2518.68% 21

122.5537.1443.48%0.74%0.14 128.04123.30% 288.25%15.942.12%0.50 2012 2011 (%) 75,486 65,106 10,380 15.94 14,225 11,986 2,239 18.68 89,711 77,092 12,619 16.37 (34,979) (28,381) 6,598 23.25 (13,104) (7,207) 5,897 81.82 41,609 41,590 19 0.05 (10,224) (10,746) (522) (4.86) 31,385 30,844 541 1.75 31,032 30,819 213 0.69 897.1116.37%84.1% 0.4015.9%0.40 2012(%) 2011(%) 84.1 84.5 15.9 15.5 100.0 100.0 22

754.86103.8015.94% 2012 2011 / / (%) (%) 1,529,621 102,369 6.69 1,343,708 82,234 6.12 292,622 10,616 3.63 237,823 7,636 3.21 390,421 5,842 1.50 298,864 4,425 1.48 333,843 13,958 4.18 188,459 7,528 3.99 121,433 5,208 4.29 98,934 4,796 4.85 (1) 17,149 817 4.76 4 2,685,089 138,810 5.17 2,167,788 106,623 4.92 2,040,733 45,947 2.25 1,761,117 32,450 1.84 366,846 15,021 4.09 194,295 7,247 3,73 13,331 537 4.03 10,420 474 4.55 (2) 48,130 1,819 3.78 36,964 1,346 3.64 2,469,040 63,324 2.56 2,002,796 41,517 2.07 75,486 65,106 (3) 2.61 2.85 (4) 2.81 3.00 (1) (2) (3) (4) 23

20122011 11,378 8,757 20,135 1,759 1,221 2,980 1,355 62 1,417 5,801 629 6,430 1,091 (679) 412 813 813 21,384 10,803 32,187 5,145 8,352 13,497 6,436 1,338 7,774 132 (69) 63 406 67 473 12,119 9,688 21,807 9,265 1,115 10,380 2.81%0.192.61%0.24 1,388.10321.8730.19% 20114.92% 20125.17%0.25201121,677.882012 26,850.895,173.0123.86% 1,023.69201.3524.49% 995.71195.3324.40% 0.54 24

2012 2011 (%) (%) 827,155 58,554 7.08 666,517 44,578 6.69 702,466 43,815 6.24 677,191 37,656 5.56 1,529,621 102,369 6.69 1,343,708 82,234 6.12 2012 2011 (%) (%) 811,492 57,697 7.11 656,320 44,181 6.73 637,627 41,874 6.57 608,977 35,857 5.89 1,449,119 99,571 6.87 1,265,297 80,038 6.33 2012 2011 (%) (%) 1,162,436 78,592 6.76 1,059,306 65,557 6.19 74,428 5,589 7.51 44,645 3,405 7.63 292,757 18,188 6.21 239,757 13,272 5.54 1,529,621 102,369 6.69 1,343,708 82,234 6.12 25

2012 2011 (%) (%) 1,101,507 76,872 6.98 998,702 64,028 6.41 69,377 4,882 7.04 41,467 3,273 7.89 278,235 17,817 6.40 225,128 12,737 5.66 1,449,119 99,571 6.87 1,265,297 80,038 6.33 106.1629.8039.03% 547.99 0.42 58.4214.1732.02% 915.57 139.5864.30 85.41%1,453.84 0.19 52.084.128.59% 224.990.56 633.24218.0752.53% 2.56%0.4924,690.40 4,662.4423.28% 26

459.47134.9741.59% 444.53129.6141.16% 0.402,754.87 2012 2011 (%) (%) 952,649 32,908 3.45 762,992 21,233 2.78 754,131 5,546 0.74 709,800 5,328 0.75 1,706,780 38,454 2.25 1,472,792 26,561 1.80 247,382 7,152 2.89 211,280 5,568 2.64 86,571 341 0.39 77,045 321 0.42 333,953 7,493 2.24 288,325 5,889 2.04 2,040,733 45,947 2.25 1,761,117 32,450 1.84 2012 2011 (%) (%) 907,297 31,980 3.52 718,757 20,767 2.89 738,108 5,528 0.75 692,926 5,310 0.77 1,645,405 37,508 2.28 1,411,683 26,077 1.85 220,957 6,634 3.00 188,359 5,125 2.72 72,062 311 0.43 62,895 290 0.46 293,019 6,945 2.37 251,254 5,415 2.16 1,938,424 44,453 2.29 1,662,937 31,492 1.89 27

150.2177.74 107.27%1,725.51 3.73%4.09%0.36 5.370.6313.29% 29.110.52 18.194.7335.14% 2003 2012 2011 (%) 11,210 8,837 2,373 26.85 2,335 2,260 75 3.32 / 76 83 (7) (8.43) / (1) 1 604 807 (203) (25.15) 14,225 11,986 2,239 18.68 142.2522.3918.68% 2012 2011 (%) 3,820 2,283 1,537 67.32 2,831 2,659 172 6.47 2,593 1,755 838 47.75 1,055 847 208 24.56 967 725 242 33.38 483 320 163 50.94 435 887 (452) (50.96) 10 5 5 100.00 12,194 9,481 2,713 28.62 (984) (644) 340 52.80 11,210 8,837 2,373 26.85 28

112.1023.7326.85% 121.9428.62% 2012 2011 (%) 1,458 1,293 165 12.76 675 919 (244) (26.55) 200 46 154 334.78 1 (1) 2 1 1 100.00 2,335 2,260 75 3.32 23.350.753.32% 131.0458.9781.82% 128.0470.70123.30% 2012 2011 % 12,804 5,734 7,070 123.30 (1) 131 1,222 (1,091) (89.28) (16) 181 (197) (108.84) (2) 185 70 115 164.29 13,104 7,207 5,897 81.82 (1) 2011Farmington11.4 (2) 349.7965.9823.25%(1) (2) 31.58%1.70 29

2012 2011 (%) 15,434 12,294 3,140 25.54 4,858 3,987 871 21.85 8,039 6,757 1,282 18.97 28,331 23,038 5,293 22.98 6,648 5,343 1,305 24.42 34,979 28,381 6,598 23.25 38.99% 36.81% 2.18 31.58% 29.88% 1.70 102.245.224.86% 24.57%25.84%1.27 29,599.397.02% 27,568.536.56% 20121231 20111231 (%) (%) 1,627,576 55.0 1,410,779 51.0 56,435 1.9 (1) 346,282 11.7 253,388 9.2 428,167 14.5 366,391 13.2 388,394 13.1 537,539 19.4 69,082 2.3 162,211 5.9 (2) 44,003 1.5 35,573 1.3 2,959,939 100.0 2,765,881 100.0 2,255,141 81.8 1,968,051 76.1 388,002 14.1 540,222 20.9 11,732 0.4 9,806 0.4 56,402 2.0 33,730 1.3 (3) 45,576 1.7 35,291 1.3 2,756,853 100.0 2,587,100 100.0 (1) (2) (3) 30

16,629.0115.96% 55%4 20121231 20111231 (%) (%) 1,253,260 75.4 1,116,389 77.9 74,994 4.5 49,451 3.4 334,647 20.1 268,197 18.7 1,662,901 100.0 1,434,037 100.0 (35,325) (23,258) 1,627,576 1,410,779 15,766.2516.16% 20121231 20111231 (%) (%) 1,188,415 75.4 1,058,128 78.0 68,166 4.3 45,332 3.3 320,044 20.3 253,867 18.7 1,576,625 100.0 1,357,327 100.0 (34,877) (22,818) 1,541,748 1,334,509 31

20121231 20111231 (%) (%) 135,144 39.0 108,605 42.9 192,340 55.5 127,178 50.1 12,283 3.5 8,188 3.2 339,767 98.0 243,971 96.2 684 0.2 5,706 2.2 2 2 686 0.2 5,708 2.2 187 0.1 171 2,134 0.6 2,212 0.9 2,321 0.7 2,383 0.9 3,787 1.1 1,766 0.7 346,561 100.0 253,828 100.0 (279) (440) 346,282 253,388 848 692 3,397.67957.9639.27% 32

20121231 20111231 (%) (%) 103,498 30.4 48,414 19.8 73,759 21.7 62,150 25.5 44,720 13.2 39,709 16.3 11,533 3.4 26,860 11.0 39 75 106,218 31.3 66,763 27.4 339,767 100.0 243,971 100.0 20121231 20111231 20101231 (%) (%) (%) 328,059 96.6 224,976 92.2 238,067 91.0 11,708 3.4 18,995 7.8 23,497 9.0 339,767 100.0 243,971 100.0 261,564 100.0 23.40147.0914.70, 62.8%3.031.04 0.442.74 33

20121231 (%) 1 4,044 2013-4-23 3.45 2 4,000 2017-2-28 4.20 3 3,179 2017-4-23 4.11 4 3,038 2015-2-20 3.76 5 2,830 2015-12-7 2.96 6 2,781 2015-4-23 3.93 7 2,637 2017-7-26 3.97 8 2,620 2019-4-23 4.32 9 2,196 2017-5-6 3.33 10 2,126 2022-4-23 4.44 29,451 2012 2011 1231 1231 440 350 (1) (16) 181 (11) (2) (145) (80) 279 440 (1) (2) 34

20121231 20111231 223,773 1,269 902 200,104 1,627 1,314 550,812 2,891 2,495 404,074 3,036 2,438 21,584 15 1,065 20 12 796,169 4,160 3,412 605,243 4,683 3,764 2011 2012 1231 1231 3,566 102,369 (101,521) 4,414 3,515 10,616 (8,122) 6,009 3,026 25,825 (25,992) 2,859 10,107 138,810 (135,635) 13,282 (56) (200) 14 (242) 10,051 138,610 (135,621) 13,040 2012 2011 1231 1231 421 404 23 34 (144) (137) (23) (24) 277 277 35

22,551.412,870.9014.59% 81.8%5.7 20121231 20111231 20101231 (%) (%) (%) 851,951 37.8 787,052 40.0 752,219 43.5 990,759 43.9 835,035 42.4 677,843 39.1 100,108 4.4 69,866 3.6 30,130 1.7 1,842,710 81.7 1,622,087 82.4 1,430,062 82.6 102,120 4.5 91,762 4.7 87,521 5.1 310,311 13.8 254,202 12.9 213,233 12.3 412,431 18.3 345,964 17.6 300,754 17.4 2,255,141 100. 0 1,968,051 100. 0 1,730,816 100.0 21,485.822,833.6115.19% 20121231 20111231 20101231 (%) (%) (%) 833,520 38.8 770,384 41.3 735,188 45.0 948,090 44.1 787,775 42.2 633,497 38.7 99,340 4.6 69,240 3.7 30,100 1.8 1,781,610 82.9 1,558,159 83.5 1,368,685 83.7 86,953 4.1 79,753 4.3 71,140 4.4 280,019 13.0 227,309 12.2 194,505 11.9 366,972 17.1 307,062 16.5 265,645 16.3 2,148,582 100.0 1,865,221 100.0 1,634,330 100.0 36

20121231 20111231 (%) (%) 2,053,129 91.0 1,816,875 92.3 202,012 9.0 151,176 7.7 2,255,141 100.0 1,968,051 100.0 20121231 20111231 (%) (%) 617,682 27.5 538,762 27.4 566,851 25.1 505,692 25.7 309,896 13.7 278,346 14.1 308,383 13.7 257,689 13.1 275,718 12.2 227,366 11.6 70,641 3.1 57,160 2.9 105,970 4.7 103,036 5.2 2,255,141 100.0 1,968,051 100.0 3 3 12 1 5 5 (%) (%) (%) (%) (%) (%) 925,662 41.0 378,190 16.8 381,507 16.9 155,211 6.9 2,140 0.1 1,842,710 81.7 210,130 9.4 91,154 4.0 81,717 3.6 29,421 1.3 9 412,431 18.3 1,135,792 50.4 469,344 20.8 463,224 20.5 184,632 8.2 2,149 0.1 2,255,141 100.0 37

3 3 12 1 5 5 (%) (%) (%) (%) (%) (%) 907,232 42.1 345,310 16.1 372,826 17.4 154,102 7.2 2,140 0.1 1,781,610 82.9 194,961 9.1 69,094 3.2 73,505 3.4 29,403 1.4 9 366,972 17.1 1,102,193 51.2 414,404 19.3 446,331 20.8 183,505 8.6 2,149 0.1 2,148,582 100.0 2012 46,787 49,705 29,516 50,622 (2,134) 4,285 178,781 () 31,032 353 31,385 () (402) 14 92 (296) () 17,519 (24,303) (6,784) 46,787 49,303 47,035 57,351 (2,120) 4,730 203,086 20121231 20111231 666,007 503,666 89,554 64,534 166,268 244,312 115,246 95,218 80,452 60,937 1,117,527 968,667 9,997 8,260 681 1,438 11,795 11,637 1,140,000 990,002 38

% 2012 2011 2010 (1) (%) 1231 1231 1231 25 52.20 60.89 59.11 25 48.85 58.97 56.75 25 86.48 96.55 68.68 (2) 75 73.59 72.97 72.83 75 74.12 73.26 73.31 75 64.12 65.44 60.42 (1) (2) 2004[2004]2 13.44%1.17 9.89%0.02 2012 2011 2010 1231 1231 1231 267,612 214,002 160,928 196,068 171,534 119,166 71,544 42,468 41,762 4,171 4,134 4,314 263,441 209,868 156,614 193,982 169,466 116,988 1,948,636 1,702,165 1,385,262 942 696 9.89% 9.91% 8.45% 13.44% 12.27% 11.31% 2011 39

/ 1 8,190 (7) 12,285 2 4,683 (180) 4,160 3 134,404 (278) 10 196,735 147,277 (187) (278) 10 213,180 272 62 333 147,549 (125) (278) 10 213,513 1 3,764 20 3,412 3,764 20 3,412 40

/ 1 103 1 41 2 2,218 1,725 2,806 3 29,252 481 10 21,366 4 166,349 (329) 145,123 5 1,658 6 1,380 199,580 1,726 481 (313) 170,716 179,951 (67) 270,225 (1) (2) 2012 63,190 15,228 10,997 296 89,711 (20,649) (11,752) (1,215) (1,363) (34,979) (10,440) (2,086) (403) (175) (13,104) 32,101 1,390 9,379 (1,261) 41,609 20121231 1,626,232 418,449 904,886 2,147 2,951,714 1,856,062 419,089 484,134 (2,432) 2,756,853 1,037,076 80,451 1,117,527 41

2011 55,404 10,427 8,994 3,002 (735) 77,092 (17,504) (8,962) (310) (1,539) (66) (28,381) (5,230) (714) (38) (1,225) (7,207) 32,670 751 8,646 324 (801) 41,590 20111231 1,460,870 310,607 848,186 135,347 5,688 2,760,698 2,089,057 312,222 44,867 124,995 15,959 2,587,100 872,369 55,543 40,755 968,667 321.0174.88%13.903.24% 93.7921.88% 42

2012 21,006 11,405 19,129 11,733 10,247 2,616 10,443 3,132 89,711 (7,979) (4,474) (7,057) (4,521) (3,964) (1,010) (4,313) (1,661) (34,979) (4,737) (2,772) (2,267) (1,605) (1,341) (319) 16 (79) (13,104) 8,290 4,159 9,805 5,607 4,942 1,287 6,146 1,373 41,609 20121231 720,231 438,698 727,706 351,283 356,213 77,278 962,733 144,134 (826,562) 2,951,714 709,635 431,981 715,812 344,631 349,718 75,502 825,654 130,482 (826,562) 2,756,853 283,996 139,730 247,185 170,851 121,042 30,020 74,906 49,797 1,117,527 2011 18,258 10,107 16,478 9,540 8,117 2,115 9,475 3,002 77,092 (6,723) (3,953) (5,761) (3,510) (3,054) (832) (3,009) (1,539) (28,381 ) (1,932) (872) (935) (1,000) (699) (244) (300) (1,225) (7,207 ) 9,603 5,282 9,782 5,030 4,364 1,039 6,166 324 41,590 20111231 641,067 407,317 740,810 337,367 314,148 69,579 855,864 139,763 (745,217) 2,760,698 629,878 401,011 730,097 331,652 308,503 68,109 735,288 127,779 (745,217) 2,587,100 265,912 111,062 226,460 160,111 83,237 25,587 55,543 40,755 968,667 68.25% 43

44 2012 30.972.5717,816.10 14.34%4,777.90 18.15%26.82%%993.405.58% 12,565.8113.88%11,884.15 12.31%613.12 71.12%71.3656.38% 24 2,396.63 8.59%4.55% 1,5315.30% 25.8029.32% 13,686.85 5000 10,000 15,000 25,000 30,000 20,000 0 14.34% 15,581.59 17,816.10 2010 2011 2012 1,333 500 1,000 1,500 2,500 3,000 2,000 0 31.77% 2,004 2,641 2010 2011 2012

- 1,237.0058.88% ABNAAASCP 3,662.3026.41 31.77%149.64%53.65% 40.75% 2012Wind2012 1.5 28028 9,3751,5137,466.68 652.632,866.05152.98 654,716 68116.88% 45

46 5.2 2,48755115,148 3,34213.762.4121.23% + 800 1 17,3291,9573,528.78 426.2613.74%2,122.18437.63 25.98%33.821.59% 15.83% 1 [2011]300 3000 9000 12,000 15,000 18,000 6000 0 28.31% 400 800 1,200 2,000 2,400 1,600 0 25.98% 11,806 2011 15,148 2012 8,817 2010 1,685 2011 2,122 2012 928 2010

47 2012 1 3,669.72 19.51%6,170.6327.27% 3200.44 26.07%1,859.359.53% 635.3969.23% 141.0616.36% 42.2333.36% 3,31213.1% 35 400.0762.59%56.86137% 5023.6832.93% 3,837.6962.57%964.04 75.03% 1 70,000 140,000 210,000 350,000 420,000 280,000 0 2,928 4,848 2011 3,312 6,171 2012 2,487 3,870 2010 1,200 2,400 3,600 6,000 7,200 4,800 0 19.51% 27.27% 13.11% 307,062 2011 366,972 2012 265,645 2010

48 600 1 1.171,053.53 I10% 21,0006SPA CPP 1,713.9121.78% 2,730.8664.10%59.2863.50% 9,047.4669.80%15,548.66 29.58% 1 600 3,337 2011 2,543 2010 1,200 3,600 4,800 6,000 7,200 8,400 2,400 0 7,254 2012 117.36% 1,407 2011 1,158 2010 400 800 1,600 1,200 2,400 2,000 0 1,714 2012 21.78%

1.4835.070.4%3.38 49.7071 5901540.55% 102013 107.9712.52% 12.9910.26% 24214819 892057,125 80% 49

3,532.801,715.38 94.39% 3,966.481,694.1674.56% 7,254.28117.36% 133.06279.0391.16% 4.8350.94%200% QFIIPE 12 12.369.77 72.90 189,266.95 8,639.95627.00 2,784.512,380.04 404.47 50

2012 282012 2012 145 1,108.57 3.3 4 4,637 1,135 40.5 PE8.86/ 300.46170.20 3.84 2.90 1.68 9,061.33 20 51

25 6000 23,567 BBVA BBVAMONGO NRA 7,959.186.22 BBVA11 BBVA BBVA 346.56 59.5 2011 2.60.57.7 BBVA -2012China Real Estate Outlook Annual Report 2012 52

2012 ISO20000 20127 1055 1028853660 789 1,5725,306 17.75%11.96% 2.06.5B2B 756.65185.9432.58% 12.779.132.1430.62% 5,559.153.3754.70%48.46%1,793.40 21.2833.70%22.20% 85.87%18.1949.86%9.82 3,9263,51840820 85.77%93.33%97.59%319.42 19.67 53

126.57 17.5329.5916.584.36 2.63 B2C 16655111 69 1,477.1479.659.70% 15.26% 2002BBVA 70.32%29.68% 40%21.39% 2012 1,790.883.12%14.54 37.158.68% 19.077.97% 54

41 BBVA 19842500 95% 5% 2012 17,2457%3,39120% 41435% 2012192 51%1349% 20128.28 2.046.064.84 84.5%426.76 55

36 60900 30

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2012 2011 VaR20 59

CCWA 60

65.59%2012577.1915.23% 2012 360.31367.30 19.25%20.77%3.294.81 61

20121231 20111231 % % 427,019 25.68 375,635 26.19 436,743 26.26 379,024 26.43 226,989 13.65 196,103 13.68 223,232 13.43 187,201 13.05 213,609 12.85 176,879 12.33 53,108 3.19 46,425 3.24 82,201 4.94 72,770 5.08 1,662,901 100.00 1,434,037 100.00 20121231 20111231 % % 424,908 26.95 373,731 27.54 435,620 27.63 378,142 27.86 226,148 14.34 194,949 14.36 223,232 14.16 187,201 13.79 213,609 13.55 176,879 13.03 53,108 3.37 46,425 3.42 1,576,625 100.00 1,357,327 100.00 62

12,532.601,368.71 12.26%20.12%664.50 24.78%8.82749.94255.43 51.65% 20121231 20111231 % % 1,253,260 75.37 1,116,389 77.85 334,647 20.12 268,197 18.70 74,994 4.51 49,451 3.45 1,662,901 100.00 1,434,037 100.00 20121231 20111231 % % 1,188,415 75.38 1,058,128 77.96 320,044 20.30 253,867 18.70 68,166 4.32 45,332 3.34 1,576,625 100.00 1,357,327 100.00 20123,346.47664.50 24.78%541.6568.57%43.79 858.6850.18% 25.41,8.79% 63

20121231 20111231 % % 194,614 58.15 178,888 66.70 54,165 16.19 32,133 11.98 85,868 25.66 57,176 21.32 334,647 100.00 268,197 100.00 20121231 20111231 % % 185,935 58.10 169,763 66.87 53,930 16.85 31,903 12.57 80,179 25.05 52,201 20.56 320,044 100.00 253,867 100.00 2012 12,532.601,368.7112.26% 68.53% 3,566.252,322.521,359.521,339.27 551.3131.13%548.10 18.16%118.169.68% 206.4172.8434.1525.81%10.38% 16.16% 64

20121231 20111231 % % 356,625 28.46 301,815 27.03 135,952 10.85 125,457 11.24 59,329 4.73 79,970 7.16 232,252 18.53 177,121 15.87 133,927 10.69 122,111 10.94 62,897 5.02 70,181 6.29 53,886 4.30 50,495 4.52 63,653 5.08 58,734 5.26 17,723 1.41 21,138 1.89 137,016 10.93 109,367 9.80 1,253,260 100.00 1,116,389 100.00 20121231 20111231 % % 352,782 29.68 295,684 27.94 133,782 11.26 123,333 11.66 59,017 4.97 79,584 7.52 220,334 18.54 171,650 16.22 127,183 10.70 111,028 10.50 62,897 5.29 70,181 6.63 53,710 4.52 50,376 4.76 63,403 5.34 58,535 5.53 17,723 1.49 21,063 1.99 97,584 8.21 76,694 7.25 1,188,415 100.00 1,058,128 100.00 2012 8,401.611,284.43 18.05%50.52%0.897,477.46 44.97%1.95 65

20121231 20111231 % % 329,704 19.83 329,615 22.98 418,042 25.14 343,253 23.94 630,393 37.91 523,632 36.51 209,768 12.61 188,086 13.12 1,587,907 95.49 1,384,586 96.55 74,994 4.51 49,451 3.45 1,662,901 100.00 1,434,037 100.00 20121231 20111231 % % 317,351 20.13 318,333 23.45 390,625 24.78 325,259 23.96 595,688 37.78 487,902 35.95 204,795 12.99 180,501 13.30 1,508,459 95.68 1,311,995 96.66 68,166 4.32 45,332 3.34 1,576,625 100.00 1,357,327 100.00 2012 2011 2010 1231 1231 1231 (%) 10 3.80 3.78 5.21 (%) 50 20.98 22.12 30.01 (1) =/ (2) =/ 66

20121231 (%) (%) A 10,000 0.60 3.80 B 8,100 0.49 3.07 C 7,985 0.48 3.03 D 7,000 0.42 2.66 E 5,099 0.31 1.94 F 4,241 0.26 1.61 G 4,005 0.24 1.52 H 3,260 0.20 1.24 I 3,004 0.18 1.14 J 2,563 0.15 0.97 55,257 3.33 20.98 552.573.33%20.98% 1.14 2012 67

20121231 20111231 % % 1,631,235 98.09 1,410,760 98.37 19,411 1.17 14,736 1.03 6,448 0.39 3,740 0.26 4,778 0.29 3,827 0.27 1,029 0.06 974 0.07 1,662,901 100.00 1,434,037 100.00 1,650,646 99.26 1,425,496 99.40 12,255 0.74 8,541 0.60 20121231 20111231 % % 1,546,363 98.08 1,335,852 98.42 18,393 1.17 13,502 0.99 6,403 0.41 3,486 0.26 4,459 0.28 3,529 0.26 1,007 0.06 958 0.07 1,576,625 100.00 1,357,327 100.00 1,564,756 99.25 1,349,354 99.41 11,869 0.75 7,973 0.59 2,204.7598.09%0.28 46.750.141.17% 122.5537.140.74%0.14 27.080.13 7.4 68

2012 2012 2012 2011 2010 1231 1231 1231 (%) 1.16 1.06 0.83 (%) 6.35 6.37 5.09 (%) 24.06 8.22 28.65 (%) 5.70 2.27 7.32 (%) 0.36 0.21 0.10 20121231 20111231 % % 1,641,416 98.71 1,423,305 99.25 (1) : 1-90 11,703 0.70 5,131 0.36 91-180 2,991 0.18 528 0.04 181 6,791 0.41 5,073 0.35 21,485 1.29 10,732 0.75 1,662,901 100.00 1,434,037 100.00 91 9,782 0.59 5,601 0.39 (2) 4,775 0.29 3,184 0.22 (1) (2) 69

20121231 20111231 % % 1,555,889 98.68 1,347,890 99.30 (1) : 1-90 11,297 0.72 4,195 0.31 91-180 2,987 0.19 509 0.04 181 6,452 0.41 4,733 0.35 20,736 1.32 9,437 0.70 1,576,625 100.00 1,357,327 100.00 91 9,439 0.60 5,242 0.39 (2) 4,056 0.26 2,413 0.18 (1) (2) 0.54354% 99% 20121231 20111231 % % % % 10,963 89.45 0.87 7,666 89.76 0.69 1,284 10.48 0.38 875 10.24 0.33 8 0.07 0.01 12,255 100.00 0.74 8,541 100.00 0.60 70

20121231 20111231 % % % % 10,588 89.20 0.89 7,110 89.18 0.67 1,273 10.73 0.40 863 10.82 0.34 8 0.07 0.01 11,869 100.00 0.75 7,973 100.00 0.59 32.97 0.184.090.05 20121231 20111231 % % % % 723 56.31 1.33 518 59.20 1.61 216 16.82 0.11 184 21.03 0.10 345 26.87 0.40 173 19.77 0.30 1,284 100.00 0.38 875 100.00 0.33 20121231 20111231 % % % % 717 56.32 1.33 518 60.02 1.62 215 16.89 0.12 175 20.28 0.10 341 26.79 0.43 170 19.70 0.33 1,273 100.00 0.40 863 100.00 0.34 71

20121231 20111231 % % % % 5,275 43.04 1.24 2,191 25.65 0.58 2,581 21.06 0.59 2,208 25.85 0.58 2,244 18.31 0.99 2,125 24.88 1.08 625 5.10 0.28 542 6.35 0.29 492 4.01 0.23 493 5.77 0.28 715 5.84 1.35 481 5.63 1.04 323 2.64 0.39 501 5.87 0.69 12,255 100.00 0.74 8,541 100.00 0.60 20121231 20111231 % % % % 5,257 44.29 1.24 2,169 27.20 0.58 2,536 21.37 0.58 2,208 27.69 0.58 2,244 18.91 0.99 2,079 26.08 1.07 625 5.26 0.28 542 6.80 0.29 492 4.15 0.23 493 6.18 0.28 715 6.02 1.35 482 6.05 1.04 11,869 100.00 0.75 7,973 100.00 0.59 2012 30.843.731.19 0.660.010.09 72

20121231 20111231 % % % % 4,272 38.96 1.20 2,294 29.92 0.76 207 1.89 0.15 1,095 14.28 0.87 188 1.72 0.32 219 2.85 0.27 4,765 43.46 2.05 1,393 18.17 0.79 353 3.22 0.26 889 11.60 1.00 270 2.46 0.50 328 4.28 0.65 85 0.78 0.13 485 6.33 0.69 241 2.20 0.38 130 1.70 0.22 582 5.31 0.43 833 10.87 0.76 10,963 100 0.87 7,666 100.00 0.69 20121231 20111231 % % % % 4,189 39.56 1.19 2,216 31.17 0.75 204 1.93 0.15 1,092 15.36 0.89 188 1.78 0.32 219 3.08 0.28 4,740 44.76 2.15 1,368 19.24 0.80 335 3.16 0.26 843 11.86 1.08 270 2.55 0.50 328 4.61 0.65 85 0.80 0.13 485 6.82 0.69 241 2.28 0.38 130 1.83 0.22 336 3.18 0.35 429 6.03 0.56 10,588 100.00 0.89 7,110 100.00 0.67 73

2012 33.72 19.781.260.44 8.885.3640.720.730.56 2012 1231 2011 1231 (1) 23,258 18,219 (2) 12,804 5,734 (206) (141) (3) (54) (37) (742) (683) 265 166 35,325 23,258 (1) (2) (3) 2012 1231 2011 1231 (1) 22,818 17,660 (2) 12,733 5,747 (202) (131) (3) (54) (14) (659) (586) 241 142 34,877 22,818 (1) (2) (3) 74

353.25120.67 288.25%2.12%15.940.50 201220126 7 FTP FTP 3 31 15 5 54,013 1,811,094 876,022 150,376 68,434 61,837 1,919,278 542,635 188,924 44,179 (7,824) (108,184) 333,387 (38,548) 24,255 75

3 31 15 5 56,979 1,702,326 862,873 147,027 68,427 49,936 1,846,599 519,177 184,235 40,619 7,043 (144,273) 343,696 (37,208) 27,808 6,313 (8,370) (20,127) (22,184) (7,699) 20,945 19,847 33,093 (1,386) 12,575 (280) 10,909 (7,302) (4,564) (12,285) (24,151) 6,152 4,209 11,964 22,325 (1,150) (355) (321) (1,826) 76

3 31 15 5 (1,075,837) (2,151) 354,494 240,366 298,748 387,466 203,086 3 31 15 5 (1,046,154) (941) 344,475 221,859 284,635 393,192 197,066 77

78

2012 20126200 201320126 10% 79

10 2008 0.853 3,330 13,320 25.00% 2009 0.880 3,435 14,320 23.99% 2011 0.550 2,573 15,024 17.13% 2011 1.450 6,784 30,819 22.01% 2012 301.80 10%30.18 145.00 201270.18AH101.50 AHH 2012 80

200811H 10% H H 201366H [1993]0452011348 HH 10%H10% H10%10% <>2009124 H10%20% H20% 20% H 1 00762 (HK) 7,020,000.00 4,125,467.49 5,302,536.82 (1,177,069.33) 2 V Visa Inc. 7,509,605.39 47,957,141.51 81,105.23 32,494,532.10 15,462,609.41 / 3 MA Mastercard International 201,629.69 2,340,846.04 3,244.21 1,780,763.20 560,082.84 14,731,235.08 54,423,455.04 84,349.44 39,577,832.12 14,845,622.92 81

70,000,000.00 87,500,000 4.24% 113,750,000.00 3,062,500.00 SWIFT 161,127.66 22 491,358.75 Joint Electronic Teller Services 4,535,347.33 16 (Class B) 4,176,549.34 Electronic Payment Services 14,263,759.80 2 13,135,332.82 Company (HK)Ltd. 88,960,234.79 131,553,240.91 3,062,500.00 3.64 2013 IMF20133.5%1.4% 5.5% 2013 20138% 5101 50%GDP5000 82

2013 (FTP) 2013 201314%14% 2013 83

2012 2008-2012 50% 0810%15%164% 84

2012B2C2,250.3510.48%112.28 37.49%773.2132.63 52.7716.35166 68 20125,4882,838 220.77%48.30%15.99 57.01% 212012710 25 25 85

30% 3,000//112 68.25/48 2.27 2012 63 67.37 57.39BBVA9.98 [2003]56 [2005]120 86

BBVA // // /BBVA/BBVA / 14A 20108 20120.500 0.123 2010811 201213.543 0.459 2010811 201110262012 3.0000.665 20108112010 (1)(2)(3) 2012480 0.724 87

2010811 2012 1.1700.064 2010811 2012 0.8260.172 2010811 2012 13 42 3.5740.296 0.101 20111026 20124.400 1.679 20121227/ // 2013 88

BBVA 20121227BBVABBVA 2012 5.8 12.511.5 1.2773.259 1.123 20111026BBVABBVA (1) (2)(3) 2012 1.500 201081120111026 2012 1035 3.000 63(b) (1) (2) 3 3000 740 89

(1) (2) 3 4 20108112011102720121227 895.54 90

5% 5%BBVA 2012416 2013225 A28,938,928,29461.85%GILH710 0.01%61.85%2013225 2010923BBVABBVA BBVA 2011BBVAH1,163,097,447201181BBVA 201181 5%5% 20112012 20122006 67 A41 2012 970 773 20122012 110 405 91

201236 2012109 2012530 2012109 20121018 20121224 5% 50515253 92

685.14 32 43 49 93

+ (%) (%) 2,138,179,203 4.57 0 0 2,138,179,203 4.57 1. 0 0 2. 213,835,341 0.46 0 0 213,835,341 0.46 3. 0 0 0 0 0 0 4. 1,924,343,862 4.11 0 0 1,924,343,862 4.11 1,924,343,862 4.11 0 0 1,924,343,862 4.11 0 0 44,649,147,831 95.43 0 0 44,649,147,831 95.43 1. 31,691,328,716 67.73 0 0 31,691,328,716 67.73 2. 0 0 3. 12,957,819,115 27.70 0 0 12,957,819,115 27.70 4. 0 0 46,787,327,034 100.00 0 0 46,787,327,034 100.00 BBVA 1,924,343,862 0 0 1,924,343,862 (1) 201342 213,835,341 0 0 213,835,341 (2) 2013428 2,138,179,203 0 0 2,138,179,203 (1) BBVA20061122BBVA 2009123BBVA1,924,343,862H2010 41201041201341 (2) 2009619 [2009]94213,835,3410.55% 200912 2013428 201342 1,924,343,862 213,835,341 46,573,491,693 BBVAH 2013428 213,835,341 0 46,787,327,034 A 96

BBVA H 1,924,343,862 201342 1,924,343,862 A 213,835,341 2013428 213,835,341 2006-2007BBVA 2007-2011 201177201183AH 257.86A5,273,622,484H2,480,360,496 A31,905,164,057H14,882,162,97746,787,327,034 2006 602010 1652012200 2006201020112012 200202765.15% 20226215 386,930A346,185H40,745H 2013322378,572A338,350H 40,222 97

(%) 1 A 28,938,928,294 61.85 0 0 0 2 H 7,367,642,072 15.75 0 3,256,454 3 BBVA H 7,018,099,055 15.00 1,924,343,862 0 0 4 (2) AH 338,513,209 0.72 213,835,341 0 5 H 168,599,268 0.36 0 0 6 H 81,910,800 0.18 0 0 7 A 60,828,321 0.13 0 60,828,321 8 A 35,172,000 0.08 0 0 9 A 31,697,828 0.07 0 31,697,828 A50ETF 10 A 31,034,400 0.07 0 0 10 A 31,034,400 0.07 0 0 10 A 31,034,400 0.07 0 0 10 A 31,034,400 0.07 0 0 1HH 2AH338,513,2092009A213,835,341H H68,259,0002011A+HA42,767,068H 13,651,800 3 1 28,938,928,294 A 2 7,367,642,072 H 3 BBVA 5,093,755,193 H 4 168,599,268 H 5 124,677,868 AH 6 81,910,800 H 7 60,828,321 A 8 35,172,000 A 9 A50ETF 31,697,828 A 10 31,034,400 A 10 31,034,400 A 10 31,034,400 A 10 31,034,400 A 1HH 2 98

336 (%) 10,942,096,691 (L) 73.52 (L) H BBVA 3,809,655,853 (S) 25.60 (S) 24,329,608,919 (L) 91.36 (L) A 7,032,455,195 (L) 47.25 (L) H 28,938,928,294 (L) 90.70 (L) A 28,938,928,294 (L) 90.70 (L) A 732,821,000 (L) 6.32 (L) H 732,821,000 (S) 6.32 (S) 732,821,000 (L) 6.32 (L) H 732,821,000 (S) 6.32 (S) 732,821,000 (L) 6.32 (L) H 732,821,000 (S) 6.32 (S) 892,963,138 (L) 6.00 (L) H 112,619,808 (S) 0.75 (S) () () 336 XV A 28,938,928,29461.85%GILH710 0.01%61.85% 197910 99

20111227 99.9% 0.1% 28,938,929,004 61.85% 2013225 1,837.0310168558-X 1,28071783170-9 201132,770.532011365.16 3,129.24201132,005.53 2011360.05 3,109.14 100

600030 20.30% 06030 600030 0.58% 06030 601608 63.87% 600871 18.00% 00267 57.51% 01205 59.06% 01135 37.59% 21 00241 1.19% 00500 20.88% 100% 61.85% GIL <0.01% 101

100% 99.9% 0.1% 100% 61.85% GIL <0.01% 10%10% BBVA19881012,669,936,277.05 Francisco González)201212BBVA3796,370BBVA 7,97850%BBVA BBVAH7,018,099,05515.00% 102

1960.12 2012.05 2015.05 0 0 1954.06 2012.05 2015.05 0 0 1956.07 2013.01 2015.05 0 0 1955.02 2012.05 2015.05 0 0 1963.08 2012.05 2015.05 0 0 1954.06 2012.05 2015.05 0 0 1968.06 2012.05 2015.05 0 0 1957.10 2013.01 2015.05 0 0 1961.08 2012.05 2015.05 0 0 1960.11 2013.01 2015.05 0 0 1965.02 2012.05 2015.01 0 0 1961.08 2012.05 2015.05 0 0 1945.11 2012.10 2015.05 0 0 1953.10 2012.10 2015.05 0 0 1957.08 2012.11 2015.05 0 0 103

1955.02 2012.05 2015.05 0 0 1962.07 2012.05 2015.05 0 0 1954.01 2012.05 2015.05 0 0 1969.03 2012.05 2015.05 0 0 1964.01 2012.05 2015.05 0 0 1956.07 2012.09 0 0 1958.11 2012.05 0 0 1968.06 2012.05 0 0 1955.09 2012.05 0 0 1967.02 2012.05 0 0 1964.12 2012.05 0 0 1963.04 2012.05 0 0 1954.10 2006.12 0 0 1963.06 2012.05 0 0 104

2012 1 1 1964.03 2012.08 0 0 1954.02 2012.08 3,569,625 3,569,625 1958.05 2013.01 0 0 1955.02 2012.02 0 0 1963.10 2012.10 0 0 1952.11 2012.10 0 0 1951.11 2012.11 0 0 1962.01 2013.03 0 0 H3,569,625H0.02% 105

106 20117 20107201012 19994 20107 1983719977 19977 19994 200411 2004112012 92006 122011 1220128 2004112011 12 200032004 10 199312 20003 19829 199312 30 2005 2011 20062007 2011 2011 20129 20131 20128 20112 20128 2010 720112 2008620107 2006420086 20063 20064 2004 1020063 20015 200410 199392001 5 1982219939 1982 198510 2006

107 19951998 1998 2000 20002002 20042011 19988 1987 2010 2201112 20064 201112 200612 20084 2000320131 19866 20003 1980 1987 19874 19948 19948200412 1994 819984 19984 201112

Ángel Cano Fernández 2012 22009 10 200412 200612 2005 120063 19907 19941 22 20131 20121 20129 20022011 2000 2002 1995 2000 1991 1995 1984 1991 28 20105 BBVA1984 1991Arthur Andersen 1991 1998 Argentaria Argentaria 1998 2001 BBVArgentaria 20012003 BBVA 20031 BBVA 200512 BBVA 20061BBVA 2009 BBVA 108

Gonzalo José Toraño Vallina 20131 2010920113 2007820108 BBVA Finanzia UNO-e BankBBVA FinanziamentoFinanzia SpA Italia20022007 19992002 1996 1999 Banco de Negocios Argentaria S.A19931996 Argentaria 1983-1986Lloyds Bank1986-1987Banco Hispanoamericano 1987-1993Banco Central Hispano Complutense University of Madrid Instituto de Empresa Business School 1995 2003 19931995 1989 1993 20088 20122 2009 7 198682006 12 199210199512 20 50 20 109

110 201211 201071 Keefe Bruyette & Woods Asia Limited 2002 2011 2011 2006720126 2010 2011 201210 2006 420049 20064 1992 220049 200010 19909 19922 198361990 9 201210 200810 200592008 10 19991220059 19951 199912

111 1995 1984 1995 20074 201112 2000 320074 19863 20003 1983319863 19833

2012 4 201223 2009 920122 20097 9 2006620097 20006 20066 2012 2 20072 20122 200510 20072 20042 200510 1996420042 19964 112

201110 20101 201110 2005 12200912 1984 5200511 1995 12200511 1999120044 198141984 5 30 113

114 19976 199181993 10 19931019975 1996 119971 SBCUBS 20064 20103 200910 2005 2005 420064 1988 719926 24 1988 19957 1994419957 1991 19891 9 2005

115 20064 20103 2000120064 199092000 3 2006 420073 1990 9 2520064 200842013 2 2006 320084 19992 20063 20051 20063 199561999 2 19875 198412 19875 20083 20133 2001120022 2002320028 2002 820083

201112 20132 201111201211 200612 201111 20099201110 200979 2007820099 2005620077 2004320056 (RFP) (CFC)29 116

201111201112 201120122 201112201120122 20122 201252011 201210 201211 201252011 20125 20125 20128 20131 20128 20129 2012820129 20128 117

2012102012 20131 20133 2679.66 118

XV 352 / 2011.09.09-1,250,000 (L) 0.28% 2014.09.08 (L) 119

120 41,36532,0979,268 4,74933,2143,4025,662 13.69%26,50664.08%8,18719.79%1,010 2.44%447 81% 11% 8% 10% 20% 30% 50% 60% 80% 70% 90% 100% 40% 0% 14% 20% 2% 64% 10% 20% 30% 50% 60% 80% 70% 90% 100% 40% 0% 1,842160 93075231417.04%694 37.68%27414.88%56030.40% e-hr

4,17130 613 CCRMCCWA 1681.92778 4,00328.419 10,575 12 34110.3 95%189.8249.5 ISO10015 121

20074 2012 2012 90 201212136 124

公司治理報告 股東大會 股東大會和股東權利 本行致力尋求與股東開展積極對話 並向股東 投資者及其他權益持有人披露有關本集團重大發展的資料 本行的年度股東大會為股東與董事會提供一個有效的溝通平台 本行召開股東大會 於會議召開日前45日發 出書面通知 將會議擬審議的事項以及開會的日期和地點告知所有在冊股東 擬出席股東大會的股東 應當於 會議召開20日前 將出席會議的書面回覆送達本行 本行董事 監事 高級管理人員出席股東大會 並在會 上回答股東問題 本行聘請的年度報告審計師也出席年度股東大會並在會上回答有關外部審計情況 審計報告 及報告內容 會計政策及審計師獨立性等相關問題 除非另有規定或安排 本行股東可根據境內外證券監管規則 在股東大會上以投票方式表決 投票的詳細程序 將在股東大會開始時向股東說明 以確保股東熟悉該等投票程序 股東大會主席將會就每項重要事宜個別提出 決議案 投票結果將於召開股東大會同一營業日內刊登於本行及境內外交易所指定網站 根據本行的公司章程 臨時股東大會也可由單獨或者合計持有本行10%以上有表決權股份的股東 持股股數按 股東提出書面請求日的持股數計算 通過提出書面請求而召開 合併持有本行3%以上股份的股東 有權向本行 提出股東大會提案 單獨或者合計持有本行3%以上股份的股東 可以在股東大會召開10日前提出臨時提案並 書面提交股東大會召集人 召集人在收到提案後2日內發出股東大會補充通知 公告臨時提案的內容 並將該 臨時提案提交股東大會審議 股東如需向董事會提出查詢 可通過發電子郵件至ir_cncb@citicbank.com或通過本行網站上的其他聯繫方式向 董事會或本行提出 本行所有公告 新聞稿及有用公司資料已刊登於本行網站 以提升本行的信息透明度 報告期內股東大會召開情況 股東大會是本行的權力機構 作為兩地上市公司 本行非常注重與境內外股東的聯繫 遇有財務業績披露和重 大項目的發佈 均通過公告 業績發佈會和投資者見面會等形式與廣大股東充分溝通 確保所有股東對公司重 大事項平等地享有知情權和參與權 保證了股東大會的工作效率和決策科學性 2012年5月30日 本行召開2011年度股東大會 審議通過了2011年度董事會工作報告 2011年度監事會工作報 告 2011年年度報告 2011年度決算報告 2012年度財務預算方案 2011年度利潤分配方案 聘用2012年度 會計師事務所及其報酬 換屆選舉第三屆董事會董事及批准董事津貼政策 換屆選舉第三屆監事會非職工代 表監事及批准監事津貼政策 中國中信集團有限公司關聯方企業2012年日常關聯交易預計額度 2011年度關 聯交易專項報告 修訂公司章程及相應修訂股東大會議事規則和董事會議事規則 修訂公司章程及相應修訂監 事會議事規則等議案 本行董事長田國立先生 董事曹彤博士 獨立董事白重恩博士 王翔飛先生 李哲平先 生 邢天才博士出席了2011年度股東大會 2012年3月6日 本行召開2012年第一次臨時股東大會 審議通過了發行次級債券 發行小微企業專項金融債 券 依據控股股東變更情況對章程相關條款進行修訂等議案 本行董事陳小憲博士 邢天才博士出席了2012 年第一次臨時股東大會 中信銀行股份有限公司 二零一二年年度報告 125

201210182012 2012 152 8 5 126

127

2012139 71 / / 13/13 13/13 11/13 2/13 12/13 1/13 12/13 1/13 10/10 9/13 4/13 13/13 10/10 4/4 4/4 3/3 5/8 3/8 8/8 11/13 2/13 2/3 1/3 7/9 2/9 9/9 10/10 128

201223 4 7 201232011 / / 3/3 3/3 2/3 1/3 2/3 1/3 3/3 2/3 1/3 7 129

201272012 / / 6/6 4/7 3/7 7/7 2/2 2/2 2/2 1/1 5/5 5/5 5/5 6/7 1/7 2012 20121225 2012 2013228 2013320 2012 2012 2012 2012 130

7 201233.02012 3.02012 / / 3/3 2/3 1/3 3/3 3/3 1/1 1/2 1/2 2/2 5 131

201262011 2011 / / 2/2 5/6 1/6 5/5 2/2 2/2 1/1 4/4 4/4 4/4 2012 2012 2012 5 212 132

62011 20112012 13 / / 5/6 1/6 6/6 6/6 5/6 1/6 6/6 4 2201220122 / / 1/2 1/2 2/2 2/2 2/2 3 133

2012 9 134

2012 1,3071,103 289 2012-2013 40 2009102370.32% 20091023 2007313 135

1 1 1 1 1 2 4 4 2 1 2 1 1 136

() () 17.5 137

2012331 20121231 201241 A.1.314167 10 201212177 9 90 138

139 201220121231 2012 2012 1,88610.76 11263 18

20121231 2013328 2012 1231 140

142252 20121231 20121231 10 8 2013328 141

20121231 2012 2011 138,810 106,623 (63,324) (41,517) 6 75,486 65,106 12,194 9,481 (984) (644) 7 11,210 8,837 8 2,335 2,260 9 76 83 10 (1) 604 807 89,711 77,092 11 (34,979) (28,381) 54,732 48,711 12 (12,804) (5,734) 12 (300) (1,473) (13,104) (7,207) 62 29 / (59) 57 (22) 41,609 41,590 16 (10,224) (10,746) 31,385 30,844 (361) 765 / (101) 340 12 (652) 5 34 / (445) 487 / 149 (280) / 18 (296) 207 31,089 31,051 31,032 30,819 353 25 31,385 30,844 30,644 31,227 445 (176) 31,089 31,051 17 0.66 0.71 150252 142

20121231 2012 2011 1231 1231 19 428,167 366,391 20 236,591 386,535 21 151,803 151,004 22 12,285 8,190 23 4,160 4,683 24 69,082 162,211 25 13,040 10,051 26 1,627,576 1,410,779 27 196,849 134,518 28 135,014 108,468 29 56,435 30 2,134 2,212 32 11,520 10,116 33 333 272 34 817 818 35 339 254 36 6,091 2,971 37 7,703 6,408 2,959,939 2,765,881 39 370,108 535,546 40 17,894 4,676 23 3,412 3,764 41 11,732 9,806 42 2,255,141 1,968,051 43 10,578 8,861 44 4,558 4,015 45 21,499 13,599 46 93 36 47 56,402 33,730 48 5,436 5,016 2,756,853 2,587,100 150252 143

20121231 2012 2011 1231 1231 49 46,787 46,787 50 49,488 49,491 51 (185) 214 52 11,709 8,691 53 35,326 20,825 57,351 50,622 (2,120) (2,134) 198,356 174,496 4,730 4,285 203,086 178,781 2,959,939 2,765,881 2013328 150252 144

20121231 2012 2011 1231 1231 19 426,886 365,318 20 235,424 379,964 21 129,052 125,535 22 12,209 7,899 23 2,665 3,002 24 69,132 162,261 25 12,534 9,449 26 1,541,748 1,334,509 27 181,862 116,839 28 134,952 108,720 29 56,435 31 9,986 9,986 32 10,997 9,619 35 339 254 36 6,073 2,890 37 7,338 5,743 2,837,632 2,641,988 39 383,493 540,810 40 15,923 819 23 2,677 2,684 41 11,241 9,806 42 2,148,582 1,865,221 43 10,241 8,595 44 4,495 3,900 45 20,988 13,111 46 93 36 47 38,470 18,500 48 4,363 4,213 2,640,566 2,467,695 150252 145

20121231 2012 2011 1231 1231 49 46,787 46,787 50 51,619 51,619 51 (195) 428 52 11,709 8,691 53 35,250 20,750 51,896 46,018 197,066 174,293 2,837,632 2,641,988 2013328 150252 146

20121231 201211 46,787 49,214 277 214 8,691 20,825 50,622 (2,134) 4,285 178,781 ( 31,032 353 31,385 () 18 (3) (399) 14 92 (296) (3) (399) 31,032 14 445 31,089 () 1. 52 3,018 (3,018) 2. 53 14,501 (14,501) 3. 54 (6,784) (6,784) 20121231 46,787 49,214 274 (185) 11,709 35,326 57,351 (2,120) 4,730 203,086 201111 39,033 31,301 273 (632) 5,618 15,698 30,576 (1,692) 4,363 124,538 () 30,819 25 30,844 () 18 4 846 (442) (201) 207 4 846 30,819 (442) (176) 31,051 () 1. 7,754 17,913 25,667 2. 98 98 () 1. 52 3,073 (3,073) 2. 53 5,127 (5,127) 3. (2,573) (2,573) 20111231 46,787 49,214 277 214 8,691 20,825 50,622 (2,134) 4,285 178,781 150252 147

20121231 2012 2011 41,609 41,590 /() 105 (878) / 20 (122) / 4 (7) 60 190 13,104 7,207 1,517 1,340 1,778 1,251 (15) (18) (13,788) (10,939) 44,394 39,614 (58,577) (102,624) / 25,608 (14,762) (19,601) (67,903) (1,663) (4,864) / 93,129 (14,582) (228,474) (174,787) (56,435) / (165,427) 394,215 / 13,802 (2,235) (10,729) 1,437 5,431 287,328 244,435 (1,499) (6,194) 10,552 15,089 / (55,426) 300,104 150252 148

20121231 2012 2011 547,608 493,354 4 79 14 37 (645,390) (502,095) (3,588) (1,973) (101,352) (10,598) 25,667 35,365 98 (12,831) (4,000) (1,152) (1,312) (6,784) (2,573) 14,598 17,880 / (142,180) 307,386 11 479,083 173,910 (75) (2,213) 1231 55 336,828 479,083 135,635 102,730 (53,529) (35,174) 150252 149

1 20061231 8C 2012123128 1987420 20111227200582 2006 200612 200612311000001000600 2007515B0006H111000001 2011426 100000000006002 20074AH2007427 2011AH77.54120127 5 2013328 2 20121231 (a) 111231 150

2 (b) 4(2)(b) (c) 4(3) 4(3) 4(4) 4(10) (d) 3 4(24) 7 12 7 7 151

3 12 12 12 40 12 12 12 20111120111231 4 (1) (a) (b) 152

4 (1) (c) 153

154 154 4 (1) (d) (i) (ii) (iii) (iv) (2) (a) (b) (3) (a) (i) (ii) (iii) (i) (ii) (iii) (1) (2)

4 (3) (a) (i) (ii) (i) (ii) (iii) (i)(ii) (iii) (b) 4(4) (i) (ii) (iii) 4(3)(a) 155

4 (3) (c) (i) (ii) (iii) (i)(ii) (d) 156

157 4 (3) (e)

4 (3) (e) (i) (ii) (iii) (i) (ii) (iii) 158

159 4 (3) (f) (g) (h) (4) 80%125%

4 (4) (5) 4(14) (6) 160

4 (7) (a) (b) (c) 30 35 3 10 (d) (e) 4(14) (8) 4(14) (9) 4(14) 161

4 (10) (11) (a) 4(3)(e) (b) 4(7) 4(14)4(18)(d) (12) 4(14) 162

163 4 (13) (14) (a) (b) (c)

4 (15) (a) (b) (c) (16) 164

165 4 (17) (18) (a) (b) (c) (d) (e)

166 166 4 (19) (20) (21) (22) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l)

167 4 (23) (24) (a) (b) (c)

4 (24) (d) (e) (f) 5 5% 1% 7% 3%2% 25% 168

6 2012 2011 5,842 4,425 6,800 3,442 7,158 4,086 5,208 4,796 795 (i) 78,592 65,557 18,188 13,272 5,589 3,405 (ii) 10,616 7,636 22 4 138,810 106,623 (14,779) (6,823) (242) (424) (41) (95) (537) (474) (45,947) (32,450) (1,778) (1,251) (63,324) (41,517) 75,486 65,106 (i) 20121231 2.4920111.59 (ii) (iii) 20123.7020111.88 20120.4120110.95 169

7 2012 2011 2,831 2,659 3,820 2,283 2,593 1,755 1,055 847 (i) 967 725 435 887 483 320 10 5 12,194 9,481 (984) (644) 11,210 8,837 (i) 8 2012 2011 200 46 1,458 1,293 675 919 1 2 1 2,335 2,260 9 2012 2011 / (41) 252 / 101 (192) 16 23 76 83 10 2012 2011 (1) 170

11 2012 2011 11,460 8,924 1,293 994 944 753 575 498 480 367 259 229 238 195 6 185 328 15,434 12,294 2,100 1,702 1,008 915 509 425 394 311 419 273 428 361 4,858 3,987 6,648 5,343 17 16 8,022 6,741 8,039 6,757 34,979 28,381 12 2012 2011 / (5) 12,804 5,734 (10) 148 (6) 33 131 1,222 1 (62) 189 132 13,104 7,207 171

13 (iv) (iv) (iv) (i) 136.4 154.8 291.2 34.4 13.7 339.3 (i) 600 1,288.1 1,888.1 163.4 71.7 2,123.2 (i) 675 216 891 211.5 192.5 1,295 (ii) (ii) (ii) 241.7 241.7 241.7 (ii) 50 50 50 (ii) 50 50 50 (ii) 50 50 50 258.3 258.3 258.3 // 250 250 250 250 250 250 111.6 1,850 1,961.6 130.7 20.9 2,113.2 300 1,620.2 1,920.2 129 51.6 2,100.8 2012(iii) 34 34 34 208.3 208.3 208.3 208.3 208.3 208.3 233.3 233.3 233.3 2012 1,833.9 1,823 5,129.1 8,786 669 350.4 9,805.4 172

13 (iv) 900 3,816 4,716 208 38 4,962 (iii) 600 2,544 3,144 156 36 3,336 (iii) (iii) 200 200 200 200 200 200 200 200 200 200 200 200 200 200 200 // 180 180 180 180 180 180 111 1,700 1,811 110 21 1,942 129 2,079 2,208 111 35 2,354 2011 500 1,902 2,402 126 28 2,556 458 1,902 2,360 123 29 2,512 162 2,079 2,241 112 107 2,460 2011 1,360 2,860 16,022 20,242 946 294 21,482 (i) 201292013120122 201292012 (ii) 20121020131 20122201210 201211 (iii) 2012820128 20131201222012 10201211 (iv) (v) 201120121231 (vi) 173

14 201212312011 132011 2012 2011 3,327.4 1,908 6,704.0 7,649 773.8 470 10,805.2 10,027 2011 2012 2011 2,000,0013,000,000 5 3,000,0013,500,000 3 3,500,0014,000,000 15 161B201220111231 2012 2011 21 23 2012 2011 24 26 16 (a) 2012 2011 12,979 11,230 198 201 14 5 (2,967) (690) 10,224 10,746 174

16 (b) 2012 2011 41,609 41,590 10,402 10,398 (112) (13) (i) 474 567 (488) (156) (52) (50) 10,224 10,746 (i) 17 201220111231 201220111231 2012 2011 31,032 30,819 46,787 43,357 0.66 0.71 18 2012 2011 (361) 765 / (101) 340 149 (279) / (313) 826 5 34 (1) 5 33 12 (652) / (296) 207 175

19 2012 2011 2012 2011 6,667 4,972 6,486 4,808 (i) 356,243 297,991 355,379 297,247 (ii) 62,223 60,638 61,987 60,473 3,034 2,790 3,034 2,790 428,167 366,391 426,886 365,318 (i) 2012123118%20111231 19%5%201112315% (ii) 176

20 (a) 2012 2011 2012 2011 217,771 370,377 213,090 338,266 2,743 126 8,344 32,617 220,514 370,503 221,434 370,883 14,539 14,925 13,990 9,081 1,538 1,107 16,077 16,032 13,990 9,081 236,591 386,535 235,424 379,964 38 236,591 386,535 235,424 379,964 (b) 2012 2011 2012 2011 45,739 27,421 43,472 19,850 127,020 284,783 128,120 284,783 62,800 74,331 62,800 75,331 1,032 1,032 190,852 359,114 191,952 360,114 236,591 386,535 235,424 379,964 38 236,591 386,535 235,424 379,964 21 (a) 2012 2011 2012 2011 125,503 131,599 109,151 112,518 19,125 10,456 19,125 10,456 144,628 142,055 128,276 122,974 7,183 8,957 1,663 784 906 7,183 8,957 784 2,569 151,811 151,012 129,060 125,543 38 (8) (8) (8) (8) 151,803 151,004 129,052 125,535 177

21 (b) 2012 2011 2012 2011 48,721 68,900 38,884 58,332 103,015 82,082 90,132 67,181 75 30 44 30 151,811 151,012 129,060 125,543 38 (8) (8) (8) (8) 151,803 151,004 129,052 125,535 22 2012 2011 2012 2011 (i) 12,209 7,899 12,209 7,899 (ii) 2 2 (iii) 74 289 12,285 8,190 12,209 7,899 (i) 2012 2011 2012 2011 3,374 325 3,374 325 480 1,726 480 1,726 735 663 735 663 205 389 205 389 7,415 4,796 7,415 4,796 12,209 7,899 12,209 7,899 12,209 7,899 12,209 7,899 12,209 7,899 12,209 7,899 12,209 7,899 12,209 7,899 178

22 (ii) 2012 2011 2012 2011 2 2 2 2 2 2 2 2 (iii) 2012 2011 2012 2011 10 15 25 158 39 101 74 274 15 15 74 289 64 74 225 74 289 23 / 23(i) 2012 2011 6,450 470 3 4,970 396 217,323 799 899 195,134 1,231 1,314 550,812 2,891 2,495 404,074 3,036 2,438 21,584 15 1,065 20 12 796,169 4,160 3,412 605,243 4,683 3,764 179

23 / 2012 2011 181,469 732 765 157,630 960 999 357,286 1,933 1,897 246,430 2,023 1,674 21,584 15 1,050 19 11 560,339 2,665 2,677 405,110 3,002 2,684 2012 2011 2012 2011 3 307,371 200,834 220,054 148,951 31 321,598 242,642 269,131 181,253 15 163,907 156,881 71,004 73,317 5 3,293 4,886 150 1,589 796,169 605,243 560,339 405,110 2012 2011 2012 2011 747 803 392 440 5,876 4,886 2,515 1,744 3,893 29 3,893 29 10,516 5,718 6,800 2,213 (i) 180

24 (a) 2012 2011 2012 2011 24,410 24,410 61,495 123,321 61,495 123,321 7,587 14,300 7,587 14,300 69,082 162,031 69,082 162,031 180 180 50 50 180 50 230 69,082 162,211 69,132 162,261 38 69,082 162,211 69,132 162,261 (b) (c) 2012 2011 2012 2011 44,707 37,931 44,707 37,931 15,128 113,095 15,178 113,145 9,247 11,185 9,247 11,185 69,082 162,211 69,132 162,261 38 69,082 162,211 69,132 162,261 2012 2011 2012 2011 44,414 143,590 44,414 143,590 22,742 16,168 22,792 16,218 1,926 2,453 1,926 2,453 69,082 162,211 69,132 162,261 38 69,082 162,211 69,132 162,261 25 2012 2011 2012 2011 6,009 3,515 5,917 3,411 4,414 3,566 4,180 3,287 2,859 3,026 2,679 2,807 13,282 10,107 12,776 9,505 38 (242) (56) (242) (56) 13,040 10,051 12,534 9,449 181

26 (a) 2012 2011 2012 2011 1,252,217 1,114,685 1,188,415 1,058,128 74,994 49,451 68,166 45,332 1,043 1,704 1,328,254 1,165,840 1,256,581 1,103,460 194,614 178,888 185,935 169,763 54,165 32,133 53,930 31,903 85,868 57,176 80,179 52,201 334,647 268,197 320,044 253,867 1,662,901 1,434,037 1,576,625 1,357,327 38 (6,699) (3,959) (6,484) (3,800) (28,626) (19,299) (28,393) (19,018) 1,627,576 1,410,779 1,541,748 1,334,509 (b) 2012 (i) 1,650,646 1,296 10,959 1,662,901 0.74% (27,643) (983) (6,699) (35,325) 1,623,003 313 4,260 1,627,576 2011 (i) 1,425,496 877 7,664 1,434,037 0.60% (18,547) (752) (3,959) (23,258) 1,406,949 125 3,705 1,410,779 182

26 (b) 2012 (i) 1,564,756 1,273 10,596 1,576,625 0.75% (27,411) (982) (6,484) (34,877) 1,537,345 291 4,112 1,541,748 2011 (i) 1,349,354 863 7,110 1,357,327 0.59% (18,266) (752) (3,800) (22,818) 1,331,088 111 3,310 1,334,509 (i) 183

26 (b) (ii) 20121231109.59 201176.64 30.52201129.7279.07201146.92 32.95201133.53 66.99201139.59 20121231105.96 201171.10 28.50201125.3877.46201145.72 30.14201126.75 64.84201138.00 (c) 2012 18,547 752 3,959 23,258 9,096 415 4,244 13,755 (56) (895) (951) (206) (206) / (54) (54) (184) (558) (742) 56 209 265 27,643 983 6,699 35,325 2011 12,822 670 4,727 18,219 5,739 211 1,048 6,998 (46) (1,218) (1,264) (141) (141) / (14) (23) (37) (129) (554) (683) 46 120 166 18,547 752 3,959 23,258 184

26 (c) 2012 18,266 752 3,800 22,818 9,145 407 4,091 13,643 (51) (859) (910) (202) (202) / (54) (54) (177) (482) (659) 51 190 241 27,411 982 6,484 34,877 2011 12,518 668 4,474 17,660 5,748 206 943 6,897 (40) (1,110) (1,150) (131) (131) / (14) (14) (122) (464) (586) 40 102 142 18,266 752 3,800 22,818 (d) 2012 3 3 1 13 3 2,210 1,083 483 668 4,444 2,525 1,103 341 1,070 5,039 5,467 2,774 693 862 9,796 1,501 432 253 20 2,206 11,703 5,392 1,770 2,620 21,485 185

26 (d) 2011 3 3 1 13 3 1,118 343 510 490 2,461 447 76 548 1,097 2,168 3,370 602 807 957 5,736 196 59 82 30 367 5,131 1,080 1,947 2,574 10,732 2012 3 3 1 13 3 2,151 1,082 483 650 4,366 2,514 1,097 327 1,060 4,998 5,135 2,716 602 861 9,314 1,497 432 109 20 2,058 11,297 5,327 1,521 2,591 20,736 2011 3 3 1 13 3 1,105 341 503 444 2,393 379 52 514 1,068 2,013 2,686 468 766 915 4,835 25 59 82 30 196 4,195 920 1,865 2,457 9,437 1 186

26 (e) 2012 2011 11 187 216 209 252 122 119 137 166 197 233 67 81 96 120 3 670 782 1,233 1,464 1,043 1,216 1,704 2,033 (1) 1,043 1,703 27 2012 2011 2012 2011 (i) 192,196 126,875 181,411 111,357 (ii) 679 5,706 314 5,353 (iii) 3,787 1,766 (iv) 187 171 137 129 196,849 134,518 181,862 116,839 187

27 (i) 2012 2011 2012 2011 30,114 17,306 29,606 16,711 6,325 11,611 6,325 11,611 19,252 14,415 19,252 14,415 49,510 19,753 48,884 19,471 76,387 46,300 76,355 46,300 181,588 109,385 180,422 108,508 4,982 5,605 193 195 4,604 9,573 908 2,813 1,166 2,615 32 10,752 17,793 1,133 3,008 192,340 127,178 181,555 111,516 : 38 (144) (303) (144) (159) 192,196 126,875 181,411 111,357 3,546 3,706 3,546 3,706 1,550 1,114 1,418 973 187,100 122,055 176,447 106,678 192,196 126,875 181,411 111,357 (ii) 2012 2011 2012 2011 684 5,706 314 5,353 684 5,706 314 5,353 : 38 (5) 679 5,706 314 5,353 679 5,706 314 5,353 679 5,706 314 5,353 188

27 (iii) 2012 2011 2012 2011 1,777 467 2,010 1,299 3,787 1,766 3,787 1,766 3,787 1,766 (iv) 2012 2011 2012 2011 118 119 114 114 23 15 23 15 46 37 187 171 137 129 4 5 51 35 23 15 132 131 114 114 187 171 137 129 189

28 2012 2011 2012 2011 35,251 38,871 35,251 38,871 4,728 13,523 4,728 13,523 24,733 24,631 24,733 24,631 48,683 17,862 48,683 17,862 20,793 12,531 20,793 12,531 134,188 107,418 134,188 107,418 28 28 28 28 471 664 471 979 39 75 39 75 418 420 356 357 956 1,187 894 1,439 135,144 108,605 135,082 108,857 38 (130) (137) (130) (137) 135,014 108,468 134,952 108,720 119 119 119 119 695 544 633 796 134,200 107,805 134,200 107,805 135,014 108,468 134,952 108,720 133,390 108,244 133,324 108,494 848 692 782 942 2012201140.64 29 2012 2011 2012 2011 26,880 26,880 3,269 3,269 4,030 4,030 15,370 15,370 6,886 6,886 56,435 56,435 38 56,435 56,435 190

30 (a) 20121231 / 21.39% 0.65 40% 22.18 (b) 2012 / 9,912 4,009 5,903 599 (355) 2,400 124 2,276 127 58 (c) 1,038 893 1,931 201211 1,383 829 2,212 (100) 24 76) (2) 2) 20121231 1,281 853 2,134 201111 1,375 878 2,253 74 10 84 (18) (18) (66) (41) (107) 20111231 1,383 829 2,212 191

31 2012 2011 i 9,797 9,797 (ii) 87 87 (iii) 102 102 9,986 9,986 20121231 (i) 74.59 70.32% 70.32% (ii) 0.25 95% 5% 98.5% (iii) 2 51% 51% (i) 20091023 70.32% (ii) (iii) 19840.25 95%5% 2011251% 192

32 (ii) 201211 8,917 892 4,891 14,700 1,022 446 966 2,434 (6) (130) (136) (1) 2 1 20121231 9,932 1,338 5,729 16,999 201211 (1,834) (2,750) (4,584) (336) (672) (1,008) 6 108 114 (1) (1) 20121231 (2,164) (3,315) (5,479) 201211(i) 7,083 892 2,141 10,116 20121231(i) 7,768 1,338 2,414 11,520 (ii) 201111 8,847 701 4,246 13,794 122 193 823 1,138 / 2 (2) (34) (144) (178) (20) (34) (54) 20111231 8,917 892 4,891 14,700 201111 (1,528) (2,292) (3,820) (318) (597) (915) 7 114 121 5 25 30 20111231 (1,834) (2,750) (4,584) 201111 7,319 701 1,954 9,974 20111231(i) 7,083 892 2,141 10,116 193

32 ((ii)) 201211 8,436 891 4,119 13,446 1,022 446 857 2,325 (6) (97) (103) 20121231 9,452 1,337 4,879 15,668 201211 (1,634) (2,193) (3,827) (327) (598) (925) 6 75 81 20121231 (1,955) (2,716) (4,671) 201211(i) 6,802 891 1,926 9,619 20121231(i) 7,497 1,337 2,163 10,997 ((ii)) 201111 8,348 701 3,561 12,610 120 192 698 1,010 / 2 (2) (34) (140) (174) 20111231 8,436 891 4,119 13,446 201111 (1,333) (1,769) (3,102) (308) (534) (842) 7 110 117 20111231 (1,634) (2,193) (3,827) 201111 7,015 701 1,792 9,508 20111231(i) 6,802 891 1,926 9,619 194

32 (i) (ii) 2012123110.4520116.15 2012 2011 2012 2011 50 68 69 10~50 179 187 10~50 7,497 6,802 7,497 6,802 24 25 7,768 7,083 7,497 6,802 33 2012 2011 2012 2011 11 272 248 62 29 (1) (5) 1231 333 272 20121231 20121231 (a) 2012 2011 2012 2011 50 12 11 10-50 292 234 10-50 29 27 333 272 195

34 2009102370.32% 2012 2011 2012 2011 818 857 1) (39) 817 818 2012 2011 2012 2011 817 818 555 8.5%3.5%3%20119%4%3% 11.7%201112.5% 201212312011 35 201211 486 28 514 158 13 171 20121231 644 41 685 201211 (251) (9) (260) (85) (1) (86) 20121231 (336) (10) (346) 201211 235 19 254 20121231 308 31 339 196

35 201111 392 14 406 94 14 108 20111231 486 28 514 201111 (181) (8) (189) (70) (1) (71) 20111231 (251) (9) (260) 201111 211 6 217 20111231 235 19 254 36 (a) 2012 2011 / / () () /() /() 17,893 4,454 8,091 1,999 222 60 (639) (182) 6,833 1,709 5,300 1,325 (548) (132) (702) (171) 24,400 6,091 12,050 2,971 2012 2011 / / () () /() /() 17,686 4,421 7,816 1,954 275 69 (904) (226) 6,830 1,708 5,300 1,325 (497) (125) (652) (163) 24,294 6,073 11,560 2,890 197