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500 2011 2011 2011 2011 2011 TOP10 2011 2011 2011 2

2011 2011 2011 2010 3

2011 2011-2015 2011 95.86 54.89% 1.11% 20.06% 0.27 0.28 0.62 0.16 3.42 23.02% 231.21% 22.73 2011 1000 144 74 75.99% 14.78% 4 248.27 51.62% 1.89 23.13% 32.05% 4.94 71.92% 2011 2011 2011 2011 2012 5

2011 2011 9,189.82 8,662.76 527.06 12.84% 12.28% 22.91% 5,401.63 7,425.38 15.71% 18.08% 72.31 1.49 1.34% 0.24 231.21% 22.73 3.10% 11.10% 8.05% 95.86 54.89% 20.06% 0.28 2011 2011 IT 2011-2015 7 60% 51 2011 IT 2011 2012 7

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

1988 7 8 2011 7 7 15,402,397,264 440000000046541 B0012H144010001 19033642-8 440101190336428 440102190336428 1 2 8 10 8 9

财务务 概 财 概要 10 要

财务概要 二零一一年年度报告 11

2011 2010 2009 () 23,708,838 19,362,322 13,097,726 4,164,539 2,366,301 1,746,350 28,172,779 21,957,867 15,114,715 (11,250,816) (9,059,658) (7,326,305) (2,510,662) (2,807,783) (1,465,120) 12,246,597 8,489,975 5,021,097 12,381,548 8,603,517 5,011,562 9,585,734 6,188,614 3,387,131 9,585,734 6,188,614 3,387,131 1 9,434,731 5,960,988 3,392,693 (15,811,219) 14,865,065 43,297,949 () 918,981,819 814,390,022 666,486,624 540,163,069 466,838,802 380,875,019 (16,718,163) (15,386,721) (14,239,750) 66,698,278 63,676,381 89,195,702 866,275,839 771,508,425 644,296,593 742,537,945 628,857,912 543,890,399 67,125,703 55,539,436 50,819,648 9,886,198 13,938,614 2,576,589 52,705,980 42,881,597 22,190,031 72,023,183 56,617,234 34,284,246 52,223,508 42,636,249 21,481,817 21,701,989 15,884,772 14,706,221 (1,904,627) (1,907,574) (1,907,584) 648,878,447 513,759,170 381,903,730 () 2 3.42 2.78 1.85 1 0.62 0.46 0.28 1 0.62 0.46 0.28 1 0.61 0.44 0.28 (1.03) 0.97 3.61 1 9 (2010) 2 12

2011 2010 2009 (%) 1 1.11 0.84 0.56 2 20.06 19.78 16.17 2 19.74 19.05 16.20 3 2.78 2.62 2.24 4 2.93 2.70 2.26 14.78 10.78 11.55 5 39.94 41.26 48.47 (%) 6 1.34 1.58 2.40 7 231.21 208.48 156.08 8 3.10 3.30 3.74 (%) 8.05 8.30 5.62 11.10 11.02 8.98 1 2 9 (2010) 3 4 5 6 7 8 13

2011 2010 2009 (%) (%) (%) (%) 75 71.64 72.35 68.15 25 48.22 55.61 54.28 25 110.17 46.46 64.81 4 1.00 1.89 0.40 8 2.00 1.79 0.92 10 4.91 7.95 10.21 27.25 41.71 56.43 2011 12 31 2010 12 31 15,402,397 0 0 15,402,397 12,025,011 238,226 412 11,787,197 7,057,804 364,488 0 6,693,316 2,462,716 958,574 0 1,504,142 15,809,179 9,585,734 1,323,062 7,546,507 (51,127) 835 0 (51,962) 52,705,980 11,147,857 1,323,474 42,881,597 1. 2. 10% 3. 20111231()1% 14

( ) (%) (%) 49,987,495 0.325 30,487,365 80,474,860 0.523 11,070,374,510 71.874 (33,358,695) 11,037,015,815 71.658 3,648,276,645 23.686 0 3,648,276,645 23.686 965,070 0.006 (60,331) 904,739 0.006 632,793,544 4.109 2,931,661 635,725,205 4.127 15,402,397,264 100.00 0 15,402,397,264 100.00 490 15,402,397,264 ( ) (%) CITIGROUP INC. 0 3,080,479,452 20.0000 0 3,080,479,452 20.0000 0 3,080,479,452 20.0000 0 3,080,479,452 20.0000 IBM CREDIT LLC 0 567,797,193 3.6864 2,217,005 316,906,594 2.0575 0 223,596,793 1.4517 0 222,777,231 1.4464 197,573 145,213,930 0.9428 () 0 133,349,884 0.8658 2,414,578 13,931,559,433 90.4506 1 5% 2 1.772011 2011117 3 20123 15

5% ( ) Citigroup Inc.() 160 2 ( ) 2003 6 30 2003 12 17 18 2007 1 9 28,264,705,000 () ( ) 160 http://www.ydjrw.sgcc.com.cn ( ) 12 ( 2,300 ) () () ()() 16

5% 5% 5% 5% 5% 5% 20% 2011 17

( ) () 53 2009/03/17 58 2006/12/18 Weber Lo 41 2012/02/17 48 2006/12/18 40 2007/06/26 69 2010/06/18 52 2006/12/18 Morris Li 55 2010/06/18 39 2012/02/17 49 2009/12/01 46 2010/06/18 51 2006/12/18 54 2007/09/20 50 2009/06/22 51 2006/12/18 Phee Boon Kang 60 2007/09/20 James Morrow 56 2010/03/23 50 2007/06/26 55 2009/02/18 36 2011/10/13 56 2011/06/30 49 2011/10/13 48 2011/10/13 46 2007/06/26 47 2007/06/26 44 2011/06/30 Edward Chou 46 2006/12/18 51 2007/01/30 Amy Choi 53 2010/06/18 48 2006/12/18 18

( ) () Weber Lo Weber Lo () i100 2000 2008 19

1998 2000 2000 2003 () 1967 () () 20

PREMIUM HOLDINGS PREMIUM GROUP Morris Li Morris Li 1989 ( ) 2007 4 () 21

() 1996 8 1997 10 22

(), 23

Phee Boon Kang Phee Boon Kang MIT () 1995 / James Morrow () James Morrow 24

( ) () 25

() () () () (MPAcc) () 26

Edward Chou Edward Chou 27

() Amy Choi 1994 2001 2004 IBM IBM Amy Choi 1996 1997 2001 2006 28

( ) ( ) / (1) 200,000 100,000 (2) 26,000 24,000 45,000 34,000 (3) 3,000 2011 0.25 2011 ( ) 2011 6 30 2010 2011 10 13 2011 11 16 2011 12 28 2012 2 17 29

2012 2 17 2012 3 6 2012 18,641 2010 2,702 10.1% 59.4% 25.3% 5.2%35 64.1%36 45 27.0%46 8.9% 656 30

IT 50 (LACP) 2010 177 99% 31

32

1. 17 3 4 2. 3 5 17 33

5 3 Phee Boon Kang() 5 Phee Boon Kang() James Morrow() 3 5 34

1. 9 4 3 2 4 3 2 2. 3. 2012 2 16 2012 5 35

5 36

2011 6 30 2010 93 142.68 92.64% 2010 2010 2010 2010 2011 37

( ) 2011 2012 2011 2.7% 2010 4.1% 2011 2011 U 20% 38

2011 2011 11 G20 29 (Basel III) 2011 12 20 () 25 2012 2012 2012 2012 2.5% 1.4% -0.3% 2.1% 5.4% ( ) 2011 2012 2 22 2011 2011 47 9.2% 4.5% 10.6% 8.9% 9.7% 9.5% 9.1% 8.9% 2011 2011 2011 6 1 3 2011 5.4%2011 6.3009 2010 4.86% 2010 39

(Basel III)( ) 2012 2012 2012 8.4% ( ) 2011 2011 9,189.82 8,662.76 527.06 12.84%12.28% 22.91% 7,425.38 18.08% 5,401.63 15.71% 71.64% 2011 95.86 54.89% 2.78% 2.93% 0.16 0.23 1.11% 20.06% 0.27 0.28 72.31 1.49 1.34% 0.24 231.21% 22.73 3.10% 11.10% 8.05% 40

51.62% 1.89 41.65 17.99 75.99% 14.78% 4 ( ) 2011 2011 (2011-2015) IT 2011 IT 41

2011 6 ( ) 2011 95.86 33.97 54.89% 2011 2010 28,172,779 21,957,867 23,708,838 19,362,322 4,164,539 2,366,301 299,402 229,244 (2,161,810) (1,593,128) (11,250,816) (9,059,658) (2,510,662) (2,807,783) (2,894) (7,323) 134,951 113,542 12,381,548 8,603,517 (2,795,814) (2,414,903) 9,585,734 6,188,614 42

1 22.45% 43.47 (1) 2011 2010 / / / / (%) (%) 504,507,712 32,427,991 6.43 433,684,970 23,938,302 5.52 1 66,423,095 2,336,835 3.52 76,131,070 2,399,937 3.15 117,213,314 1,778,271 1.52 84,229,542 1,231,452 1.46 2 120,645,871 6,029,008 5.00 122,824,327 3,342,553 2.72 808,789,992 42,572,105 5.26 716,869,909 30,912,244 4.31 643,995,854 13,689,873 2.13 564,201,692 8,318,088 1.47 3 104,762,705 4,751,067 4.54 114,151,311 2,946,139 2.58 10,000,000 422,327 6.01 5,000,000 285,695 5.84 758,758,559 18,863,267 2.49 683,353,003 11,549,922 1.69 23,708,838 19,362,322 2.78 2.62 2.93 2.70 1 2 3 43

(2) (2011 2010 ) /( ) 3,909,234 4,580,455 8,489,689 (315,807) 252,705 (63,102) 482,229 64,590 546,819 (139,190) 2,825,645 2,686,455 3,936,466 7,723,395 11,659,861 1,176,414 4,195,370 5,371,784 (287,711) 2,092,640 1,804,929 119,632 17,000 136,632 1,008,335 6,305,010 7,313,345 2,928,131 1,418,385 4,346,516 2 2011 2.78% 16 2010 4.31% 2011 5.26% 95 2010 1.69% 2011 2.49% 80 2011 2.93% 23 2011 2010 () 5.26 4.31 95 2.49 1.69 80 2.78 2.62 16 2.93 2.70 23 44

3 2011 116.60 37.72% 2011 2010 (%) (%) 32,427,991 76.2 23,938,302 77.4 23,396,296 55.0 18,077,938 58.5 8,359,463 19.6 5,444,196 17.6 672,232 1.6 416,168 1.3 2,197,326 5.1 2,337,016 7.6 1,778,271 4.2 1,231,452 4.0 492,581 1.2 179,124 0.6 4,649,944 10.9 2,782,609 9.0 886,483 2.1 380,820 1.2 139,509 0.3 62,921 0.2 42,572,105 100.0 30,912,244 100.0 45

4 2011 73.13 63.32% 2011 2010 (%) (%) 13,689,872 72.7 8,318,088 72.0 422,327 2.2 285,695 2.5 3,490,780 18.5 1,449,471 12.6 214,514 1.1 187,905 1.6 1,045,774 5.5 1,308,763 11.3 18,863,267 100.0 11,549,922 100.0 5 2011 44.64 18.68 71.96% 2011 2010 4,164,539 2,366,301 (84,306) (19,525) 115,504 (128,038) 243,147 345,588 25,057 31,219 4,463,941 2,595,545 2011 2010 (%) 467,644 368,698 98,946 26.84 346,144 150,562 195,582 129.90 3,092,290 1,827,948 1,264,342 69.17 535,244 283,439 251,805 88.84 47,461 16,929 30,532 180.35 231,667 183,556 48,111 26.21 232,229 112,526 119,703 106.38 4,952,679 2,943,658 2,009,021 68.25 (788,140) (577,357) (210,783) 36.51 4,164,539 2,366,301 1,798,238 75.99 46

6 2011 112.51 24.18% 39.94% 1.32 2011 2010 (%) (%) 6,432,588 57.2 4,855,492 53.6 851,678 7.6 655,249 7.2 490,216 4.4 531,177 5.9 489,827 4.4 388,430 4.3 2,986,507 26.4 2,629,310 29.0 11,250,816 100.0 9,059,658 100.0 7 2011 25.11 10.58% 2011 2010 (%) (%) 2,488,651 99.1 2,894,752 103.1 13,976 0.6 4,765 0.2 0 0 1,000 0 (16,384) (0.7) 20,532 0.7 24,419 1.0 (113,266) (4.0) 2,510,662 100.0 2,807,783 100.0 47

8 (1) 344,956,010 6,617,158 1,133,726 216,585,933 5,393,184 2,773,103 321,988,187 8,545,178 4,382,512 194,270,588 4,239,020 2,231,967 106,720,290 3,254,263 1,793,089 5,588,210 123,976 67,151 (271,127,399) - - 918,981,819 28,172,779 12,381,548 (2) 393,335,251 16,926,226 8,676,401 138,079,824 9,028,115 2,150,968 387,566,744 2,218,438 1,554,179 918,981,819 28,172,779 12,381,548 48

( ) 1 2011 9,189.82 1,045.92 12.84% 2011 12 31 2010 12 31 (%) (%) 540,163,069 58.8 466,838,802 57.3 (16,718,163) (1.8) (15,386,721) (1.9) 523,444,906 57.0 451,452,081 55.4 66,698,278 7.3 63,676,381 7.8 149,944,006 16.3 106,782,503 13.1 64,070,673 7.0 36,176,928 4.5 93,391,188 10.1 136,597,172 16.8 21,432,768 2.3 19,704,957 2.4 918,981,819 100.0 814,390,022 100.0 (1) 2011 12 31 5,401.63 733.24 15.71% (a) 2011 12 31 2010 12 31 388,841,111 357,034,139 137,944,401 105,649,299 13,377,557 4,155,364 540,163,069 466,838,802 2011 8.91% 30.57% 221.93% 49

(b) (%) 504,507,712 6.43 () 493,470,538 6.44 11,037,174 6.09 (c) 2011 12 31 2010 12 31 (%) (%) 60,661,219 15.6 54,673,079 15.3 328,179,892 84.4 302,361,060 84.7 388,841,111 100.0 357,034,139 100.0 2011 (d) 2011 12 31 2010 12 31 (%) (%) 73,544,863 53.3 62,118,717 58.8 49,877,151 36.2 30,947,131 29.3 14,522,387 10.5 12,583,451 11.9 137,944,401 100.0 105,649,299 100.0 2011 30.57% 61.17% 2011 18.39% 50

(e) 2011 12 31 2010 12 31 (%) (%) 157,037,112 29.1 124,400,548 26.7 130,225,902 24.1 104,165,664 22.3 190,699,265 35.3 184,853,225 39.6 62,200,790 11.5 53,419,365 11.4 540,163,069 100.0 466,838,802 100.0 2011 51

(f) (%) (%) 3,499,306 4.86 0.65 2,692,990 3.74 0.50 2,292,000 3.18 0.42 2,200,000 3.05 0.41 2,119,950 2.94 0.39 2,000,000 2.78 0.37 1,939,351 2.69 0.36 1,900,000 2.64 0.35 1,896,000 2.63 0.35 1,841,643 2.56 0.34 22,381,240 31.07 4.14 (2) (a) 2011 12 31 2010 12 31 (%) (%) 2,293,364 3.5 1,478,034 2.3 31,946,857 47.9 18,558,909 29.1 1,565,453 2.3 2,582,226 4.1 30,890,846 46.3 41,053,112 64.5 1,758 0 4,100 0 66,698,278 100.0 63,676,381 100.0 2011 52

(b) 2011 12 31 2010 12 31 (%) (%) 22,265,103 33.4 9,580,833 15.1 36,151,146 54.2 45,985,741 72.2 1 8,119,918 12.2 7,922,921 12.4 2 160,353 0.2 182,786 0.3 1,758 0 4,100 0 66,698,278 100.0 63,676,381 100.0 1 2 2011 2011 (c) 2011 12 31 2010 12 31 (%) (%) 162,111 0.3 139,870 0.2 3 2,732,060 4.1 4,463,272 7.0 3-12 13,150,500 19.7 19,683,181 30.9 1-5 37,965,784 56.9 27,890,450 43.8 5 12,687,823 19.0 11,499,608 18.1 66,698,278 100.0 63,676,381 100.0 53

(d) (%) 11 07 3,240,000 2014-03-10 3.22 11 13 3,190,000 2012-06-02 3.26 11 14 2,280,000 2016-06-09 3.44 11 04 1,980,000 2016-02-17 3.60 11 22 990,000 2016-10-20 3.55 11,680,000 (e) () (%) 10 60 2,950,000 2013-07-15 2.65 10 37 1,000,000 2013-05-07 2.72 10 42 1,000,000 2013-05-20 2.70 11 02 1,000,000 2018-01-14 3.41 07 26 990,000 2013-01-10 3.50 6,940,000 (f) 1994 410 ( 41%) 2011 176 2 2011 12 31 8,662.76 947.68 7,425.38 1,136.80 18.08% 54

(1) 2011 12 31 2010 12 31 (%) (%) 742,537,945 85.7 628,857,912 81.5 67,125,703 7.7 55,539,436 7.2 15,690,830 1.8 54,147,425 7.0 10,000,000 1.2 5,000,000 0.7 30,921,361 3.6 27,963,652 3.6 866,275,839 100.0 771,508,425 100.0 (2) (%) 201,358,168 0.69 235,583,712 3.36 41,099,884 0.48 64,086,582 2.65 101,867,508 2.45 (3) 2011 2011 12 31 2010 12 31 (%) (%) 291,304,496 39.3 258,385,003 41.1 221,178,704 29.9 213,021,322 33.9 70,125,792 9.4 45,363,681 7.2 321,717,024 43.3 261,485,369 41.6 257,738,659 34.7 199,051,466 31.7 63,978,365 8.6 62,433,903 9.9 129,516,425 17.4 108,987,540 17.3 742,537,945 100.0 628,857,912 100.0 55

(4) 2011 12 31 2010 12 31 (%) (%) 1,110,304 0.1 1,878,743 0.3 186,012,761 25.0 156,904,861 25.0 276,695,505 37.3 243,844,367 38.8 175,372,503 23.6 132,393,484 21.0 96,977,413 13.1 89,641,941 14.2 6,369,459 0.9 4,194,516 0.7 742,537,945 100.0 628,857,912 100.0 (5) 2011 12 31 2010 12 31 (%) (%) / 312,590,559 42.1 282,408,397 44.9 3 143,393,821 19.3 147,801,383 23.5 3-12 163,135,041 22.0 149,079,396 23.7 1-5 116,668,706 15.7 44,462,414 7.1 5 6,749,818 0.9 5,106,322 0.8 742,537,945 100.0 628,857,912 100.0 56

( ) 2011 1,271.04 98.99 7.23% 158.11 206.36% 31.72 111.80% 93.29 43.78% 2010 149.74 ( ) 1 2011 12 31 (%) 918,981,819 12.84 866,275,839 12.28 52,705,980 22.91 9,585,734 54.89 57

2 30% 2011 12 31 (%) 149,944,006 40.42 45,358,675 108.02 2,293,364 55.16 0 (100.00) 394,458 97.12 93,391,188 (31.63) 31,946,857 72.14 1,565,453 (39.38) 0 (100.00) 376,726 31.78 15,690,830 (71.02) 1,985,711 49.05 8,153,043 71.38 58,545 (30.51) 10,000,000 100.00 7,755,034 56.43 2,462,716 63.73 15,809,179 109.49 42,572,105 37.72 (18,863,267) 63.32 4,952,679 68.25 (788,140) 36.51 () / (84,306) 331.78 / () 115,504 (190.21) (2,161,810) 35.70 (66,529) (55.63) 58

( ) 1 1 (1) (2) (3) (4) (5) (6) 1 1,915,923 194,861 0 0 2,687,822 2 200,111 194,347 0 0 394,458 2 3 2,582,226 0 0 0 1,565,453 3 18,558,909 0 474,604 (13,976) 31,946,857 4 4 41,053,112 0 0 0 30,890,846 64,110,170 194,861 474,604 (13,976) 67,090,980 523,649 79,357 550 0 376,726 1 2 3 34 4 5 2 2011 12 31 2010 12 31 7,007,319 9,154,865 189,852,432 173,722,721 44,708,307 9,683,729 21,672,540 12,688,480 63,886,555 27,942,299 3,479,383 2,578,813 4,404,806 1,077,035 58,387,555 42,406,215 4,437,187 4,930,278 59

3 2,230,458 2,879,241 2,387,510 1,786,101 90 ( ) 2011 6,084.34 16.77% 4,022.19 11.36% 60

2011 720 13 2011 1,948.52 51.62% 248.27 14.60% 9,743 83.45% 627 6.88% 13 2011 22 51 61

2011 2011 () 2011 56% 132.78% 226 2011 131 1,588 2011 10.97 43.43% 699.69 13.23% 62

2011 3 2011 12 2011 2011 ( ) 2011 90.28 51.65% 1,379.44 30.57% 1,853 2,169 66.12% 1,332.84 27.59% 196.36 1,774.83 63

2011 () 880.67 17.89% 735.45 18.39% 1,100 6,000 13 (SEEC)2011 2011 2010-2011 2011 VIP 31% 100 2011 5 2011 498.77 61.17% 429 2,693 0.42% 0.53 271.45% 64

2011 ISO9001 ISO10002 2011 454.4, 10 22 2,784 2011 2011 ( ) G7 2011 11.2% 28.9% 2011 2011 2011 339.53 8.13% 65

2011 2010 9.1%20% 25.5% AAA, 1,920.7 13 ( ) 2011 12 ()53 564 ()( ) () () () 2011 80 280 AA 66

70 10 Smart E-Bank 120 2011 378.78 81.37% 5,625.68 107.83% 2.44 31 743 3,890 (ATM&CRS)2,893 997 6,121.48 31.05% 1,020.62 71.92% 2010 (SEEC)2011 (CFCA)2011 2011 ( ) 2011 2011 0.45 0.40 67

IC IT IT ( ) IT IT ( ) 2011 6,406 162,215 2011 68

500 2011 ( ) 2011 4 2011 69

2011 8,000 500 2011 [] 100% 2011 2011 ( ) 70

71

( ) 1 2011 2011 (CDS) 72

(CMS) (1) (a) (%) 520,509,084 96.36 9,384,950 12,423,135 2.30 2,073,977 2,002,298 0.37 791,719 3,788,841 0.70 3,027,806 1,439,711 0.27 1,439,711 540,163,069 100.00 16,718,163 (/) 231.21% (b) 2010 12 31 2011 12 31 (%) (%) (%) 1,581,523 0.34 420,775 0.03 2,002,298 0.37 4,608,842 0.99 (820,001) (0.29) 3,788,841 0.70 1,190,002 0.25 249,709 0.02 1,439,711 0.27 7,380,367 1.58 (149,517) (0.24) 7,230,850 1.34 73

(2) 2011 72.3 1.34% 2010 1.49 0.24 46.5 25.9 55.70% (a) 2011 12 31 2010 12 31 (%) (%) (%) (%) () 402,218,668 74.5 1.50 361,189,503 77.4 1.80 137,944,401 25.5 0.86 105,649,299 22.6 0.85 49,877,151 9.2 1.63 30,947,131 6.6 1.51 540,163,069 100.0 1.34 466,838,802 100.0 1.58 2011 74

(b) 2011 12 31 2010 12 31 (%) (%) (%) (%) 116,658,981 30.0 3.03 102,204,752 28.6 3.82 86,174,534 22.2 1.97 72,074,964 20.2 2.19 60,089,026 15.5 0.14 59,739,286 16.7 0.13 27,014,337 6.9 0.07 27,208,162 7.6 0.07 42,000,272 10.8 0.26 46,474,257 13.0 0.27 18,691,257 4.8 0.94 18,772,046 5.3 0.24 25,322,844 6.5 0.63 16,372,177 4.6 1.18 1,488,839 0.4 0 2,738,143 0.8 0 2,612,533 0.7 0 2,424,474 0.7 0.44 8,788,488 2.2 0.28 9,025,878 2.5 0.64 388,841,111 100.0 1.49 357,034,139 100.0 1.68 (3) 2011 (15,386,721) (3,267,231) 778,580 110,728 (142,074) 1,188,555 (16,718,163) (4) 2011 2011 1,854 173 1,681 75

2011 (5) 2011 12 31 2010 12 31 167,247 262,079 146,669 230,448 17,117 17,263 3,461 14,368 (26,684) (45,098) 140,563 216,981 2 76

2011, 3 () 77

(PSE) VaR 4 78

5 79

2011 6 104 72 2011 35 63 ( ) 80

2011 A T4 2011 7 81

8 2011 () 82

( ) 2011 2011 2011 83

( ) 2011 () 9 2011 104 TeamMate 84

85

( ) 2011 12 31 2010 12 31 52,225,821 42,640,036 15,402,397 15,402,397 11,499,692 11,498,857 9,520,520 8,197,458 15,803,212 7,541,324 0 0 21,701,989 15,884,772 11,458,927 10,841,501 10,000,000 5,000,000 243,062 43,271 73,927,810 58,524,808 1,904,627 1,907,574 4,627 7,574 0 0 1,900,000 1,900,000 72,023,183 56,617,234 52,223,508 42,636,249 648,878,447 513,759,170 8.05% 8.30% 11.10% 11.02% 2011 12 11.10% 0.08 8.05% 0.25 ( ) ([2011]58 )([2011] 82 ) 2011 50 ( ) / 86

2010 8 2011 3 2011 8 11 2016 (RWA)(ICAAP) 2011 18 200 16 1.8 45% 70 190 87

2011 ( ) 16 2012 IT 2012 88

(EVA)(RAROC) 2012 89

2011 5 () / 5/5 100% 5/5 100% 5/5 100% 5/5 100% 5/5 100% 5/5 100% Morris Li 5/5 100% 5/5 100% 5/5 100% 5/5 100% 5/5 100% 5/5 100% 5/5 100% 5/5 100% Phee Boon Kang() 5/5 100% James Morrow() 5/5 100% Anthony P. Della Pietra Jr() 5/5 100% 2011 2 24 2011 2011 2011 3 18 2010 2010 2010 2010 <(2011-2015)> 2011 2010 (2011 )< (2010 )><> 2011 < ><> 2011 90

1.71 2010 2011 6 10 2011 2011 8 26 2010 2011 2010 2011 9 22 2011 2011/2012 2011 50 3 2011 91

2011 2011 95.86 10% 9.59 1 3.64 158.09 2011 2011 92

3 2011 3 19 2010 2010 2010 2010 2011 4 29 2011 2011 5 25 2011 3 19 2010 2010 2010 2 2011 4 28 2011 2011 5 25 2 ( ) 3 1 2 2010 2010 2010 2010 2011 93

( ) () 2011 ( ) 2011 6 2011 2011 6 94

30 2010 3 2 2011 10 13 4 2010 8 2011 3 2010 5 ( ) IPO () () ( ) IPO IPO 95

( ) ( ) 2011 ( ) ( ) ( ) ( ) ( ) 96

1 2012 3 [2012] 223 2 3 4 1.77 2011 2011 1 17 () 2,217,005 316,906,594 197,573 145,213,930 2011 5,557 57,985 2011 12 31 1,678 70.16 9.26 ( ) ( ) ( ) 2011 97

1 2 5 6 () 25 7 8 10 11 12 2012 1 98

99

2011 21 21 500 2011 2011 2009 2011 (2011-2015) 2011 8 100

2011 4 ( ) 320 34 49 ( ) 2011 90 101

2011 (2011) (2011) (2011) (2011) 30 ( ) 102

( ) 2008 7 100 103

2011 1,345 2011 454.4 10 22 8 4 2294 250 240 2010 ( ) 9,455 1,031 82 30 180 630 2011 330 ( ) 2011 9 8 23 ( ) 104

( ) 2011 CFCA 2011 ( ) e 38% ( ) 2009 53.62 105

2011 2011 2011 2011 2011 2011 Weber Lo Morris Li 106

Phee Boon Kang James Morrow Edward Chou Amy Choi 107

2011 KPMG-C (2012) OR No.0022 ( ) 2011 2011 12 31 2011 ( ) 2012 3 26 1211 1231 108

2011 () KPMG-C (2012) OR No.0022 ( [2004] 8 ) 2011 : 2011 2011 2011 109

KPMG-C (2012) AR No.0110 : 112 208 ( ) 2011 12 31 2011 : (1) (2) 110

() KPMG-C (2012) AR No.0110 2011 12 31 2011 111

2011 12 31 () 2011 12 31 2010 12 31 5 149,944,006 106,782,503 6 45,358,675 21,804,665 7 18,711,998 14,372,263 8 2,293,364 1,478,034 9-237,778 10 394,458 200,111 11 93,391,188 136,597,172 12 2,879,241 2,230,458 13 523,444,906 451,452,081 14 31,946,857 18,558,909 15 30,890,846 41,053,112 16 1,565,453 2,582,226 17 1,758 4,100 18 4,997,155 4,422,061 19 738,151 606,677 20 3,627,232 3,144,234 21 8,796,531 8,863,638 918,981,819 814,390,022 122 208 112

( ) 2011 12 31 () 2011 12 31 2010 12 31 23 67,125,703 55,539,436 24 9,886,198 13,938,614 25-237,778 10 376,726 285,871 26 15,690,830 54,147,425 27 742,537,945 628,857,912 28 1,985,711 1,332,286 29 2,706,104 2,370,175 30 8,153,043 4,757,209 31 58,545 84,254 32 10,000,000 5,000,000 33 7,755,034 4,957,465 866,275,839 771,508,425 122 208 113

( ) 2011 12 31 () 2011 12 31 2010 12 31 ( ) 34 15,402,397 15,402,397 35 12,025,011 11,787,197 36 2,462,716 1,504,142 37 7,057,804 6,693,316 38 15,809,179 7,546,507 (51,127) (51,962) 52,705,980 42,881,597 918,981,819 814,390,022 122 208 114

2011 () 2011 2010 42,572,105 30,912,244 (18,863,267) (11,549,922) 39 23,708,838 19,362,322 4,952,679 2,943,658 (788,140) (577,357) 40 4,164,539 2,366,301 41 (84,306) (19,525) (2,342) - / () 42 115,504 (128,038) 243,147 345,588 25,057 31,219 28,172,779 21,957,867 43 (2,161,810) (1,593,128) 44 (11,250,816) (9,059,658) 45 (2,510,662) (2,807,783) (2,894) (7,323) (15,926,182) (13,467,892) 12,246,597 8,489,975 122 208 115

( ) 2011 () 2011 2010 ( ) 12,246,597 8,489,975 46 201,480 263,474 47 (66,529) (149,932) 12,381,548 8,603,517 48 (2,795,814) (2,414,903) 9,585,734 6,188,614 () 0.62 0.46 49 238,649 (471,420) 9,824,383 5,717,194 122 208 116

2011 () 2011 2010 126,097,838 90,396,061-32,735,580 44,234,164 30,825,483 4,014,487 980,705 174,346,489 154,937,829 (75,014,225) (87,851,480) (27,235,301) (24,386,677) (10,557,920) (5,050,913) (42,509,011) - (15,963,645) (11,008,639) (5,779,163) (4,792,139) (5,224,189) (3,275,013) (7,874,254) (3,707,903) (190,157,708) (140,072,764) () / 50(a) (15,811,219) 14,865,065 122 208 117

( ) 2011 () 2011 2010 404,088,555 350,933,620 4,182 5,314 2,369,616 3,145,625 145,762 183,854 406,608,115 354,268,413 (406,962,766) (326,121,089) (2,817,769) (1,258,983) (409,780,535) (327,380,072) () / (3,172,420) 26,888,341 122 208 118

( ) 2011 () 2011 2010 4,629,014 1,919,455-14,974,372 5,000,000-9,629,014 16,893,827 (6,260) (11,181) (5,000) - (288,500) (288,500) (299,760) (299,681) 9,329,254 16,594,146 (244,966) (176,508) () / 50(b) (9,899,351) 58,171,044 137,003,070 78,832,026 50(c) 127,103,719 137,003,070 122 208 119

2011 () 2011 1 1 15,402,397 11,550,819 236,378-1,504,142 6,693,316 (51,962) 7,546,507 42,881,597 1. - - - - - - - 9,585,734 9,585,734 2. 35/49 - - 238,226 (412) - - 835-238,649 1 2 - - 238,226 (412) - - 835 9,585,734 9,824,383 3. - 38(1) - - - - 958,574 - - (958,574) - - 38(3) - - - - - 364,488 - (364,488) - 2011 12 31 15,402,397 11,550,819 474,604 (412) 2,462,716 7,057,804 (51,127) 15,809,179 52,705,980 122 208 120

( ) 2011 () 2010 1 1 11,978,844-694,524-885,281 5,171,159 (38,688) 3,498,911 22,190,031 1. - - - - - - - 6,188,614 6,188,614 2. 49 - - (458,146) - - - (13,274) - (471,420) 1 2 - - (458,146) - - - (13,274) 6,188,614 5,717,194 3. 34/35 3,423,553 11,550,819 - - - - - - 14,974,372 4. - 38(1) - - - - 618,861 - - (618,861) - - 38(3) - - - - - 1,522,157 - (1,522,157) - 2010 12 31 15,402,397 11,550,819 236,378-1,504,142 6,693,316 (51,962) 7,546,507 42,881,597 122 208 121

() 1 ()() 1988 9 8 () 2011 1 27 2011 2 16 2 18 2011 12 31 30 ()() () 2 (1) () 2006 2 15 38 () 2011 12 31 (2) 1 1 12 31 (3) 3(2)(b) 3 (1) 122

3 ( ) (2) (a) (b) (3) (a) () 123

3 ( ) (3) ( ) (a) ( ) 124

3 ( ) (3) ( ) (a) ( ) ( 3(13)) (b) (c) 125

3 ( ) (3) ( ) (c) ( ) : (a) (b) (c) (d) (e) (f) :(i)(ii) (iii) 126

3 ( ) (3) ( ) (c) ( ) ( ) () 127

3 ( ) (3) ( ) (c) ( ) (d) ( ): 128

3 ( ) (3) ( ) (e) (f) (g) (h) () 129

3 ( ) (3) ( ) (h) ( ) (4) ( 3(7)) 130

3 ( ) (4) ( ) 3(9) (5) ( 3(9)) ( 3(7))( 3(9)) ( 3(7)) : (%) (%) 30-35 3%-5% 2.8%-3.2% 5 3%-5% 19%-19.4% 5 3%-5% 19%-19.4% 131

3 ( ) (6) ()( 3(9)) ( 3(7)) : 30-50 5 5 (7) () (8) 3(9) (9) : - - - - - 132

3 ( ) (9) ( ) () ()() (10) (a) (b) 3(5) 3(9) (11) (a) 133

3 ( ) (11) ( ) (b) (c) : - - (d) () (12) (13) ( 3(12)) 134

3 ( ) (14) () () (15) (a) ( )() (b) (c) 135

3 ( ) (16) () () : - - (17) (18) : 136

3 ( ) (18) ( ) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (19) : - - - : - - - - (20) 137

3 ( ) (20) ( ) (a) (b) (c) (d) 138

3 ( ) (20) ( ) (e) ()() () () (f) () 4 : 5% 1%-7% 3% 0%-2% 25% 2008 1 1 33% 25% ([2007]39 ) 2008 2012 5 25% 2011 24% (2010 :22%) 2011 139

5 2011 2010 12 31 12 31 3,842,674 3,257,877 (i) 115,964,324 80,686,780 (ii) 29,646,388 22,335,481 490,620 502,365 146,101,332 103,524,626 149,944,006 106,782,503 (i) : 2011 12 31 2010 12 31 19.0% 16.5% 5.0% 5.0% (ii) 6 2011 12 31 2010 12 31 43,733,918 20,454,349 33,385 11,102 43,767,303 20,465,451 1,586,752 1,331,902 4,620 7,312 1,591,372 1,339,214 45,358,675 21,804,665 140

7 2011 12 31 2010 12 31 15,058,938 13,149,420 3,180,000 50,253 18,238,938 13,199,673 474,060 1,173,590 18,712,998 14,373,263 : 22 (1,000) (1,000) 18,711,998 14,372,263 8 2011 12 31 2010 12 31-70,822 57,239 - - 39,086-704,512 194,632-747,934 552,374-770,096 587,688 2,293,364 1,431,019 - - 47,015-47,015 2,293,364 1,478,034 9 2011 12 31 2010 12 31-237,778 141

10 (1) 2011 12 31 34,196,399 245,788 (190,700) 4,202,545 51,494-4,202,545 - (51,494) 42,601,489 297,282 (242,194) 14,817,132 63,076 (99,882) 1,666,600 16,173-1,666,600 - (16,173) 18,150,332 79,249 (116,055) 35 100,000 - (550) 1,282,367 14,477-1,282,367 - (14,477) 235,000 3,450-235,000 - (3,450) 3,034,734 17,927 (17,927) 63,886,555 394,458 (376,726) 2010 12 31 23,321,999 162,188 (235,761) 3,500,000 29,036 (41,223) 560,150 8,887-560,150 - (8,887) 1,120,300 8,887 (8,887) 27,942,299 200,111 (285,871) 142

10 ( ) (2) 2011 12 31 2010 12 31 728,167 397,677 112,970 46,536 47,274 20,090 888,411 464,303 11 (1) 2011 12 31 2010 12 31-5,629,100 7,621,000-10,485,400 1,610,000-3,669,420 4,456,267-8,727,954 9,880,050 28,511,874 23,567,317 64,682,458 112,929,405 196,856 100,450 93,391,188 136,597,172 (2) 2011 12 31 2010 12 31-79,814,303 129,645,605-13,576,885 6,951,567 93,391,188 136,597,172 143

12 2011 12 31 2010 12 31 1,599,404 1,117,547 1,034,816 972,556 142,467 78,611 60,712 39,517 28,064 11,462 10,300 7,654 3,478 3,111 2,879,241 2,230,458 3 13 (1) 2011 12 31 2010 12 31 388,841,111 357,034,139 73,544,863 62,118,717 49,877,151 30,947,131 14,522,387 12,583,451 137,944,401 105,649,299 13,377,557 4,155,364 540,163,069 466,838,802 : 22 (4,125,570) (3,700,406) (12,592,593) (11,686,315) (16,718,163) (15,386,721) 523,444,906 451,452,081 144

13 ( ) (2) 2011 12 31 2010 12 31 62,200,790 53,419,365 190,699,265 184,853,225 130,225,902 104,165,664 157,037,112 124,400,548 540,163,069 466,838,802 : (4,125,570) (3,700,406) (12,592,593) (11,686,315) (16,718,163) (15,386,721) 523,444,906 451,452,081 (3) 2011 12 31 2010 12 31 % % - 116,658,981 21.60 26.14 102,204,752 21.89 32.76-86,174,534 15.95 28.44 72,074,964 15.44 32.55-60,089,026 11.12 12.22 59,739,286 12.80 12.62-42,000,272 7.78 76.90 46,474,257 9.96 73.85-27,014,337 5.00 8.13 27,208,162 5.83 8.55-25,322,844 4.69 21.65 16,372,177 3.51 30.49-18,691,257 3.46 27.66 18,772,046 4.02 25.42-2,612,533 0.48 33.10 2,424,474 0.52 31.48-1,488,839 0.28 2.25 2,738,143 0.59 14.23-8,788,488 1.63 12.57 9,025,878 1.92 14.68 388,841,111 71.99 28.16 357,034,139 76.48 31.75 137,944,401 25.54 58.86 105,649,299 22.63 67.66 526,785,512 97.53 36.20 462,683,438 99.11 39.95 13,377,557 2.47-4,155,364 0.89-540,163,069 100.00 35.30 466,838,802 100.00 39.60 : - (4,125,570) (3,700,406) - (12,592,593) (11,686,315) (16,718,163) (15,386,721) 523,444,906 451,452,081 145

13 ( ) (4) 2011 12 31 2010 12 31 % % 99,412,303 18.40 24.32 69,214,998 14.83 24.15 59,371,078 10.99 22.65 60,903,985 13.05 29.71 56,629,279 10.48 40.30 51,818,075 11.10 45.04 49,565,697 9.18 27.24 41,829,330 8.96 33.55 33,485,405 6.20 39.88 31,506,060 6.75 38.89 32,601,506 6.04 27.65 32,189,252 6.90 27.81 26,151,306 4.84 34.56 19,069,914 4.08 55.64 25,099,203 4.65 37.77 21,279,832 4.56 42.21 22,850,728 4.23 45.83 22,615,434 4.84 55.99 22,017,171 4.08 50.83 19,738,395 4.23 48.31 14,884,225 2.76 33.58 17,449,968 3.74 24.28 98,095,168 18.15 50.16 79,223,559 16.96 57.20 540,163,069 100.00 35.30 466,838,802 100.00 39.60 : - (4,125,570) (3,700,406) - (12,592,593) (11,686,315) (16,718,163) (15,386,721) 523,444,906 451,452,081 (5) 2011 12 31 1 90 1 90 1 3 3 ( 90 ) ( 1 ) ( 3 ) 52,141 66,764 134,581 20,551 274,037 1,308,646 275,592 100,526 63,045 1,747,809 413,068 203,936 248,080 37,746 902,830 3,732,486 12,782 83,098 47,437 3,875,803 5,506,341 559,074 566,285 168,779 6,800,479 146

13 ( ) (5) ( ) 2010 12 31 1 90 1 90 1 3 3 ( 90 ) ( 1 ) ( 3 ) 120,534 37,109 1,111,587 9,736 1,278,966 872,333 201,551 498,790 69,069 1,641,743 56,235 166,680 322,161 9,351 554,427 2,182,307 41,018 61,924 3,357 2,288,606 3,231,409 446,358 1,994,462 91,513 5,763,742 1 / : 2011 2010 1,092,646 910,481 27,941 67,365 1,120,587 977,846 (6) 2011 12 31 (%) 532,932,219 1,183,770 6,047,080 540,163,069 1.34 : (11,458,927) (1,133,666) (4,125,570) (16,718,163) 521,473,292 50,104 1,921,510 523,444,906 2010 12 31 (%) 459,458,435 896,629 6,483,738 466,838,802 1.58 : (10,841,501) (844,814) (3,700,406) (15,386,721) 448,616,934 51,815 2,783,332 451,452,081 147

13 ( ) (6) ( ) 3(3)(c) : (i) (ii) (iii) (iv) (v) () : - - : (i) (ii) 12 (iii) 148

13 ( ) (7) 2011 (10,841,501) (844,814) (3,700,406) (15,386,721) (617,426) (364,433) (2,285,372) (3,267,231) - - 778,580 778,580 - - 110,728 110,728 - (76,784) (65,290) (142,074) - 152,365 1,036,190 1,188,555 (11,458,927) (1,133,666) (4,125,570) (16,718,163) 2010 (9,367,569) (1,209,934) (3,662,247) (14,239,750) (1,473,932) (153,172) (1,894,671) (3,521,775) - - 627,023 627,023 - - 237,616 237,616 - (46,800) (30,459) (77,259) - 565,092 1,022,332 1,587,424 (10,841,501) (844,814) (3,700,406) (15,386,721) (8) : : 2011 2010 1,039,707 1,081,171 247,863 1,052,906 1,287,570 2,134,077 149

13 ( ) (8) ( ) : 2011 2010 159,069 220,338 135,815 179,799 294,884 400,137 14 2011 12 31 2010 12 31-15,031,429 2,137,211-2,913,438 6,645,057-1,910,740 2,905,972-6,444,864 3,385,967-5,334,709 2,959,260-7,562 24,088-82,466 183,469-61,296 182,114 ((i)) 31,786,504 18,423,138 - ((ii)) 90,929 91,539-69,424 44,232 160,353 135,771 31,946,857 18,558,909 (i) 2011 12 31 756 (2010 12 31 : 2,202 )2011 1,398 (2010 : 477 ) 2011 12 31 5,277 (2010 12 31 4,420 ) (ii) 150

15 2011 12 31 2010 12 31-5,767,376 4,854,153-2,769,771 2,769,772-4,192,992 11,392,338-16,242,532 17,985,497-1,818,562 3,953,460-38,303 40,962-8,521-30,838,057 40,996,182-52,789 56,930 30,890,846 41,053,112 16 2011 12 31 2010 12 31-1,395,476 2,532,230-169,977 49,996 1,565,453 2,582,226 17 (1) : 2011 12 31 2010 12 31 4,100 4,100 (2,342) - 1,758 4,100 151

17 ( ) (2) : 61743591-x 10,000,000 4,100,000 41% 41% : 2011 2010 486,902 321,178 /() 26 (141) 2011 12 31 2010 12 31 8,919 8,316 (4,630) (4,053) 4,289 4,263 152

18 : 2010 1 1 3,522,520 814,928 1,890,548 433,177 6,661,173 88,673 151,142 428,037 89,940 757,792 /() 723,829 (723,829) - - - 35,375 - - - 35,375 / (145,799) (500) (164,241) (112,700) (423,240) 2010 12 31 4,224,598 241,741 2,154,344 410,417 7,031,100 245,052 495,642 311,038 112,662 1,164,394 /() 233,260 (233,260) - - - / (130,611) - (176,217) (49,287) (356,115) 2011 12 31 4,572,299 504,123 2,289,165 473,792 7,839,379 : 2010 1 1 (893,067) - (1,054,100) (294,489) (2,241,656) (110,186) - (233,811) (44,433) (388,430) 50,697-141,310 105,185 297,192 2010 12 31 (952,556) - (1,146,601) (233,737) (2,332,894) (143,561) - (290,805) (55,461) (489,827) 39,958-165,347 45,524 250,829 2011 12 31 (1,056,159) - (1,272,059) (243,674) (2,571,892) ( 22): 2010 1 1 (303,498) (500) - - (303,998) (1,000) - - - (1,000) 28,353 500 - - 28,853 2010 12 31 (276,145) - - - (276,145) - - - - - 5,813 - - - 5,813 2011 12 31 (270,332) - - - (270,332) : 2011 12 31 3,245,808 504,123 1,017,106 230,118 4,997,155 2010 12 31 2,995,897 241,741 1,007,743 176,680 4,422,061 (i) (ii) (iii) (iv) 2011 12 31 11.19 (2010 12 31 : 11.01 ) 2011 12 31 2.70 (2010 12 31 : 2.76 ) 2011 12 31 2.70 (2010 12 31 : 2.51 ) 2011 12 31 19.39 (2010 12 31 : 10.32 ) 25.57%(2010 12 31 :10.16%) 153

19 : 2010 1 1 281,705 392,030 44,664 718,399 152,441 131,963 110 284,514 (6,326) (92) (11,601) (18,019) 2010 12 31 427,820 523,901 33,173 984,894 242 235,378 1,201 236,821 (11,383) (149) - (11,532) 2011 12 31 416,679 759,130 34,374 1,210,183 : 2010 1 1 (36,124) (226,693) (43,328) (306,145) (11,238) (66,397) (418) (78,053) 578 48 10,725 11,351 2010 12 31 (46,784) (293,042) (33,021) (372,847) (12,510) (90,611) (1,237) (104,358) 4,811 362-5,173 2011 12 31 (54,483) (383,291) (34,258) (472,032) : ( 22) 2010 1 1 (6,481) - - (6,481) - - - - 1,111 - - 1,111 2010 12 31 (5,370) - - (5,370) - - - - 5,370 - - 5,370 2011 12 31 - - - - : 2011 12 31 362,196 375,839 116 738,151 2010 12 31 375,666 230,859 152 606,677 2011 12 31 605 (2010 12 31 : 661 ) 154

20 (1) 2011 12 31 11,024,380 2,756,095 - - 2,756,095 395,068 98,767 - - 98,767 (329,172) (82,293) (18,696) (4,674) (86,967) 68,764 17,191 - - 17,191 1,388,652 347,163 - - 347,163 1,756,536 439,134 - - 439,134 223,396 55,849 - - 55,849 14,527,624 3,631,906 (18,696) (4,674) 3,627,232 2010 12 31 9,965,756 2,491,439 - - 2,491,439 428,984 107,246 - - 107,246 395,368 98,842 - - 98,842 112,504 28,126 - - 28,126 410,292 102,573 - - 102,573 1,129,116 282,279 - - 282,279 134,916 33,729 - - 33,729 12,576,936 3,144,234 - - 3,144,234 155

20 ( ) (2) 2011-2,491,439 264,656-2,756,095-107,246 (8,479) - 98,767-98,842 (66,313) (119,496) (86,967) - 28,126 (10,935) - 17,191-102,573 244,590-347,163-282,279 156,855-439,134-33,729 22,120-55,849 3,144,234 602,494 (119,496) 3,627,232 2010-2,308,377 183,062-2,491,439-158,996 (51,750) - 107,246 - (24,622) 45,784 77,680 98,842-14,410 13,716-28,126-101,086 1,487-102,573-7,959 274,320-282,279-45,712 (11,983) - 33,729 2,611,918 454,636 77,680 3,144,234 3(9) 2011 12 31 8.18 (2010 12 31 : 16.40 ) 2.04 (2010 12 31 : 4.10 ) 156

21 2011 12 31 2010 12 31 5,413,192 2,483,385 1,065,540 900,987-611,609 460,067-453,931 440,920 909,186 46,400 856,507 313,260 (i) - 4,629,014 (ii) 167,247 262,079 36,317 32,773 766 12,309 509,024 375,433 8,957,779 9,055,640 : 22 (161,248) (192,002) 8,796,531 8,863,638 (i) 100 2007 2011 5 2006 60 [(2008)73 ] 5 2007 1 1 2011 12 31 100 100 100 2011 46.29 (2010 : 19.19 ) 2011 12 31 100 157

21 ( ) (ii) 2011 12 31 2010 12 31 146,669 230,448 17,117 17,263 3,461 14,368 167,247 262,079 : (26,684) (45,098) 140,563 216,981 2011 (2010 : 3,538 ) 2011 9,532 (2010 : 917 ) 2011 12 31 22 2011 7 (1,000) - - - - (1,000) 13 (15,386,721) (3,267,231) 778,580 110,728 1,046,481 (16,718,163) 18 (276,145) - - - 5,813 (270,332) 19 (5,370) - - - 5,370-21 (192,002) (71,737) 63,702-38,789 (161,248) (15,861,238) (3,338,968) 842,282 110,728 1,096,453 (17,150,743) 2010 7 (1,000) - - - - (1,000) 13 (14,239,750) (3,521,775) 627,023 237,616 1,510,165 (15,386,721) 18 (303,998) (1,000) - - 28,853 (276,145) 19 (6,481) - - - 1,111 (5,370) 21 (292,157) (71,027) 163,761-7,421 (192,002) (14,843,386) (3,593,802) 790,784 237,616 1,547,550 (15,861,238) 158

23 2011 12 31 2010 12 31-22,832,969 31,336,002-43,520,676 24,203,434 66,353,645 55,539,436-772,058-67,125,703 55,539,436 24 2011 12 31 2010 12 31-9,886,198 12,744,330 9,886,198 12,744,330 - - 1,194,284 9,886,198 13,938,614 25 2011 12 31 2010 12 31-237,778 2010 12 31 720 159

26 2011 12 31 2010 12 31-5,822,300 1,650,374-2,693,000 5,507,920-1,002,900 7,692,000-6,075,230 7,355,100-79,000 196,000 18,400 31,746,031 15,690,830 54,147,425 2011 12 31 2010 12 31-14,176,700 50,484,701-1,495,730 3,662,724-18,400-15,690,830 54,147,425 27 2011 12 31 2010 12 31-221,178,704 213,021,322-70,125,792 45,363,681 291,304,496 258,385,003 () - 257,738,659 199,051,466-63,978,365 62,433,903 321,717,024 261,485,369-79,773,659 77,959,812-2,914,165 2,063,835-10,732,931 2,156,699-13,916,765 11,310,364 107,337,520 93,490,710 13,721,552 14,084,095 7,386,512 560,150 1,070,841 852,585 742,537,945 628,857,912 160

28 2011 1,164,976 4,138,449 (3,521,536) 1,781,889 1,559 428,584 (427,666) 2,477 2,778 342,897 (344,073) 1,602 5,446 312,551 (316,521) 1,476 16,122 153,922 (143,186) 26,858 75,295 (8,689) (18,577) 48,029-5,804 (5,804) - 66,110 1,059,070 (1,001,800) 123,380 1,332,286 6,432,588 (5,779,163) 1,985,711 2010 935,549 3,152,517 (2,923,090) 1,164,976 161,690 331,601 (491,732) 1,559 3,744 267,163 (268,129) 2,778 484 257,719 (252,757) 5,446 13,629 113,108 (110,615) 16,122 102,554 (6,133) (21,126) 75,295-885 (885) - 51,283 738,632 (723,805) 66,110 1,268,933 4,855,492 (4,792,139) 1,332,286 (i) (ii) 8% 2011 1.90 (2010 : 1.51 ) (iii) 161

29 2011 12 31 2010 12 31 1,898,877 1,677,411 44,959 42,932 673,083 527,716 45,713 34,746 31,962 17,568 11,510 69,802 2,706,104 2,370,175 30 2011 12 31 2010 12 31 7,382,095 4,332,571 496,073 199,433 228,962 98,563 11,224 50,094 26,084 70,803 8,605 5,745 8,153,043 4,757,209 31 2011 2010 84,254 45,632 21,167 49,169 (36,623) (4,620) (10,253) (5,927) 58,545 84,254 2011 12 31 9.26 (2010 12 31 : 2.88 ) 162

32 2011 12 31 2010 12 31 ((i)) 9,300,000 4,300,000 ((ii)) 700,000 700,000 10,000,000 5,000,000 (i) 2008 7 25 16 6.3% 9.3% 2008 9 23 27 5.85% 8.85% 2011 6 28 9 6 30 20 5.79% 6.30% 5.79% 6.30% (ii) 2008 7 25 7 200 3 33 2011 12 31 2010 12 31 5,413,192 2,735,535 617,216 465,872 527,595 238,017 355,322 201,566 131,369 141,560 33,713 260,135 ((i)) 15,062 20,341 12,061 12,875 5,995 27,576 3,584 6,464 1,588 7,608 766 12,309 637,571 827,607 7,755,034 4,957,465 (i) 163

34 : () 2010 1 1 11,978,844 11,978,844 (i) 3,423,553 3,423,553 2010 12 31 2011 12 31 15,402,397 15,402,397 (i) 2010 34.24 4.38 11,978,843,727 15,402,397,264 115.51 ( 35) 2010 7 30 (2010) 0266 35 2011 12 31 2010 12 31 11,550,819 11,550,819 ((i)) 474,604 236,378 ((ii)) (412) - 12,025,011 11,787,197 : 2010 1 1-694,524-694,524-34(i) 11,550,819 - - 11,550,819 - - (458,146) - (458,146) 2010 12 31 11,550,819 236,378-11,787,197 - - 238,226 (412) 237,814 2011 12 31 11,550,819 474,604 (412) 12,025,011 (i) (ii) () 3(3)(h)( 10) 164

36 2011 2010 1,504,142 885,281 958,574 618,861 2,462,716 1,504,142 10% 50% 37 1% 38 (1) 2011 10% 2011 12 31 50% (2) 2011 (2010 : ) (3) 2005 5 17 2005 7 1 ( [2005]49 ) () 1% 2005 9 5 ([2005]90 ) 2005 7 1 3 5 2011 12 31 ( ) 1% 2011 3.64 (2010 : 15.22 ) 165

39 2011 2010 1,778,271 1,231,452 886,483 380,820 492,581 179,124 139,509 62,921 4,649,944 2,782,609 ((i)) - 23,396,296 18,077,938-8,359,463 5,444,196-672,232 416,168 ((i)/(ii)) 2,197,326 2,337,016 42,572,105 30,912,244 (3,490,780) (1,449,471) (214,514) (187,905) (1,045,774) (1,308,763) (13,689,872) (8,318,088) ((iii)) (422,327) (285,695) (18,863,267) (11,549,922) 23,708,838 19,362,322 (i) : 2011 2010 182,194 268,122-3,974 182,194 272,096 (ii) (iii) 166

40 2011 2010 3,092,290 1,827,948 535,244 283,439 467,644 368,698 346,144 150,562 231,667 183,556 129,105 17,541 79,939 57,079 70,646 54,835 4,952,679 2,943,658 (511,269) (375,934) (102,831) (96,162) (35,869) (21,394) (138,171) (83,867) (788,140) (577,357) 4,164,539 2,366,301 41 2011 2010 - (22,380) (302) - (18,657) (45,500) - 39 - - (45,148) 20,963 4,182 5,314 (2,342) - (84,306) (19,525) 167

42 /() 2011 2010 - (10,948) 10,948-10,948 (10,948) 11,462 (11,898) 104,042 (116,140) 115,504 (128,038) 43 2011 2010 1,934,118 1,445,137 135,084 98,073 92,606 49,844 2 74 2,161,810 1,593,128 44 2011 2010-4,138,449 3,152,517-428,584 331,601-342,897 267,163-312,551 257,719-153,922 113,108 - (8,689) (6,133) - 5,804 885-1,059,070 738,632 6,432,588 4,855,492-489,827 388,430-851,678 655,249-490,216 531,177 1,831,721 1,574,856 267,456 217,591 2,719,051 2,411,719 11,250,816 9,059,658 168

45 2011 2010 2,488,651 2,894,752 13,976 4,765-1,000 (16,384) 20,532 24,419 (113,266) 2,510,662 2,807,783 46 2011 2010 40,001 85,320 101,750 76,251 221 1,768 2,400 4,000 57,108 96,135 201,480 263,474 47 2011 2010 9,807 8,875 ()/ (15,456) 49,169 2,463 1,123 3,465 6,147 66,250 84,618 66,529 149,932 48 2011 2010-3,652,028 2,872,388-9,093 3,842 3,661,121 2,876,230 20 (602,494) (454,636) (262,813) (6,691) 2,795,814 2,414,903 169

48 ( ) : 2011 2010 12,381,548 8,603,517 25% 3,095,387 2,150,879 (i) 148,425 381,438 (ii) (133,807) (83,989) (iii) (2,947) (12,504) (262,813) (6,691) (48,431) (14,230) 2,795,814 2,414,903 (i) (ii) (iii) 2011 24%(2010 22%) 49 2011 2010 : - 433,124 (312,423) - (124,965) (184,139) - 49,701 (39,264) 357,860 (535,826) (550) - (119,496) 77,680 835 (13,274) 238,649 (471,420) 170

50 (a) : 2011 2010 9,585,734 6,188,614 : 2,510,662 2,807,783 757,283 606,021 (32,594) (80,445) (2,336,835) (2,399,937) 81,964 19,525 2,342 - ()/ (115,504) 128,038 /() 49,041 (111,963) 422,327 285,695 (602,494) (454,636) (117,232,681) (119,972,533) 91,099,536 127,848,903 ()/ (15,811,219) 14,865,065 (b) : 2011 2010 127,103,719 137,003,070 : (137,003,070) (78,832,026) ()/ (9,899,351) 58,171,044 (c) : 2011 12 31 2010 12 31 3,842,674 3,257,877 29,646,388 22,335,481-40,908,575 9,280,111-14,747,548 14,372,010-37,958,534 87,757,591 127,103,719 137,003,070 171

51 (1) 2011 12 31 2010 12 31 ( 1 ) 7,007,319 9,154,865 58,387,555 42,406,215 65,394,874 51,561,080 189,852,432 173,722,721 21,672,540 12,688,480 34,985,262 711,267 9,723,045 8,972,462 256,233,279 196,094,930 321,628,153 247,656,010 2011 12 31 2010 12 31 146,329,120 92,935,000 0% 100% 172

51 ( ) (2) : 2011 12 31 2010 12 31 1 719,879 549,523 1-2 612,631 470,315 2-3 498,112 400,598 3-5 749,326 531,923 5 899,435 626,454 3,479,383 2,578,813 (3) : 2011 12 31 2010 12 31 2,620,808 211,786 1,783,998 865,249 4,404,806 1,077,035 (4) : 2011 12 31 2010 12 31 - - (5) : 2011 12 31 2010 12 31 4,437,187 4,930,278 173

51 ( ) (6) 31 52 : 2011 12 31 2010 12 31 23,599,680 20,708,002 (23,599,680) (20,708,002) 53 (1) ( 26) 12 : (a) 2011 12 31 2010 12 31 5,900,011 1,650,374 2,699,777 5,507,920 1,006,937 7,692,000 6,123,044 7,355,100 78,866 196,000 18,400-15,827,035 22,401,394 (b) 2011 12 31 2010 12 31 6,104,927 15,045,767 9,703,708 7,355,627 18,400-15,827,035 22,401,394 174

53 ( ) (2) 11 2011 12 31 649 (2010 12 31 : 1,128 ) : 2011 12 31 2010 12 31-31,746,031 54 (1) 5% CITIGROUP INC. 20.00% RichardD. Parsons 20.00% 282.65 20.00% 160 20.00% 12 175

54 ( ) (1) ( ) ( ) CITIGROUP INC. () () () () () % % % % % 2010 1 1 2,395,768,745 20 - - 2,395,768,745 20 2,395,768,745 20 2,395,768,745 20 - - 2,395,768,745 20 (2,395,768,745) 20 - - - - 684,710,707 20 684,710,707 20 - - 684,710,707 20 684,710,707 20 2010 12 31 3,080,479,452 20 3,080,479,452 20 - - 3,080,479,452 20 3,080,479,452 20 2011 1 1 2011 12 31 3,080,479,452 20 3,080,479,452 20 - - 3,080,479,452 20 3,080,479,452 20 54(3) (2) 17 54(3) 176

54 ( ) (3) : CITIGROUP INC. 2011 : - 80,312 6,033 28-5,276 91,649 0.22% 10,652 3,512 - - - - 14,164 0.29% (830,165) (75,557) (52,939) - (25) (532) (959,218) 5.09% (4,549) - - - - - (4,549) 0.58% (190,110) - (3,486) (11,560) (530,887) - (736,043) 6.54% 2011 12 31 : - - 10,157 345,763 - - 355,920 0.78% - 40,000 23,750 - - 90,000 153,750 0.03% - 94 59 - - 158 311 0.01% - - 10,371 23,674 - - 34,045 8.63% - 1,600,000 - - - - 1,600,000 5.18% - - (5,000,000) - - - (5,000,000) 50.58% - - (7,359) (33,762) - - (41,121) 10.92% - - (2,090,000) - - - (2,090,000) 13.32% (19,500,566) (1,612,389) (547,537) - (9,272) (60,371) (21,730,135) 2.93% (427,666) (41,542) (8,786) - - (9) (478,003) 5.86% - - - (23,799) - - (23,799) 0.31% 177

54 ( ) (3) ( ) ( ): CITIGROUP INC. 2010 : - 79,573 22,977 63-3,668 106,281 0.34% 16,679 2,958 - - - - 19,637 0.67% (376,714) (25,583) (54,764) - (14) (71) (457,146) 3.96% (151,178) - (1,129) (11,560) (329,975) - (493,842) 5.45% 2010 12 31 : - - 27,132 189,484 - - 216,616 0.99% - 10,000 121,000 - - 90,000 221,000 0.05% - 1,055 205 - - 119 1,379 0.06% - - 4,369 28,040 - - 32,409 16.20% - - 66,000 - - - 66,000 0.05% - 1,600,000 - - - - 1,600,000 3.90% - (16,070) (202,848) - - - (218,918) 0.39% - - (2,500,000) - - - (2,500,000) 17.94% - - (25,638) (23,386) - - (49,024) 17.15% (12,005,398) (987,468) (67,341) - (8,075) (10,994) (13,079,276) 2.08% (161,899) (8,493) (12,222) - - (1) (182,615) 3.84% - - - (19,690) - - (19,690) 0.40% 5% () 178

54 ( ) (4) 2011 2010 ( ) 0.25 0.28 2011 2011 2010 2011 2011 2010 54(3)/ (4) 55 : 179

55 ( ) / / (1) 2011 11,118,046 6,504,669 6,086,123 23,708,838 /() 4,640,136 (255,251) (4,384,885) - 15,758,182 6,249,418 1,701,238 23,708,838 1,165,095 2,774,700 224,744 4,164,539 - - (84,306) (84,306) - - 115,504 115,504 - - 243,147 243,147 2,949 3,997 18,111 25,057 16,926,226 9,028,115 2,218,438 28,172,779 (1,390,484) (678,143) (93,183) (2,161,810) (5,598,083) (5,081,815) (570,918) (11,250,816) (1,304,357) (1,160,461) (45,844) (2,510,662) (1,329) (610) (955) (2,894) (8,294,253) (6,921,029) (710,900) (15,926,182) 8,631,973 2,107,086 1,507,538 12,246,597 : 75,358 67,003 59,119 201,480 : (30,930) (23,121) (12,478) (66,529) 8,676,401 2,150,968 1,554,179 12,381,548 393,335,251 138,079,824 387,566,744 918,981,819 (632,907,961) (139,117,106) (94,250,772) (866,275,839) : 263,240,598 58,387,555-321,628,153 323,471 113,603 320,209 757,283 739,844 259,721 728,996 1,728,561 180

55 ( ) (1) ( ) 2010 10,853,823 3,969,454 4,539,045 19,362,322 /() 2,602,464 320,851 (2,923,315) - 13,456,287 4,290,305 1,615,730 19,362,322 706,738 1,654,713 4,850 2,366,301 - - (19,525) (19,525) - - (128,038) (128,038) - - 345,588 345,588 20,165 8,465 2,589 31,219 14,183,190 5,953,483 1,821,194 21,957,867 (1,059,877) (415,876) (117,375) (1,593,128) (5,404,395) (3,481,155) (174,108) (9,059,658) (2,594,775) (227,949) (14,941) (2,807,783) (4,928) (2,243) (152) (7,323) (9,063,975) (4,127,223) (276,694) (13,467,892) 5,119,215 1,826,260 1,544,500 8,489,975 : 170,185 71,436 21,853 263,474 : (100,905) (45,947) (3,080) (149,932) 5,188,495 1,851,749 1,563,273 8,603,517 355,971,759 106,295,444 352,122,819 814,390,022 (545,552,625) (110,784,191) (115,171,609) (771,508,425) : 205,249,795 42,406,215-247,656,010 264,118 78,872 263,031 606,021 535,387 159,871 529,598 1,224,856 181

55 ( ) (2) 30 : - : - : - : - : - - 182

55 ( ) (2) ( ) 2011 3,632,825 4,358,675 2,295,057 2,430,710 10,900,339 91,232 23,708,838 /() 1,321,399 3,391,232 1,609,980 542,022 (6,873,731) 9,098-4,954,224 7,749,907 3,905,037 2,972,732 4,026,608 100,330 23,708,838 367,180 583,223 243,157 263,493 2,681,073 26,413 4,164,539 - - - - (83,755) (551) (84,306) 11,458 12,873 12,657 1,170 77,346-115,504 /() 60,321 180,669 75,557 15,995 (87,172) (2,223) 243,147 1 18,506 2,612 873 3,058 7 25,057 5,393,184 8,545,178 4,239,020 3,254,263 6,617,158 123,976 28,172,779 (482,939) (584,895) (361,280) (252,726) (479,970) - (2,161,810) (1,919,452) (3,353,177) (1,666,225) (1,112,730) (3,142,863) (56,369) (11,250,816) (194,276) (347,288) 4,894 (100,421) (1,873,536) (35) (2,510,662) (382) (442) (212) (138) (721) (999) (2,894) (2,597,049) (4,285,802) (2,022,823) (1,466,015) (5,497,090) (57,403) (15,926,182) 2,796,135 4,259,376 2,216,197 1,788,248 1,120,068 66,573 12,246,597 : 4,041 127,915 13,652 10,457 44,778 637 201,480 : (27,073) (4,779) 2,118 (5,616) (31,120) (59) (66,529) 2,773,103 4,382,512 2,231,967 1,793,089 1,133,726 67,151 12,381,548 216,585,933 321,988,187 194,270,588 106,720,290 344,956,010 5,588,210 1,190,109,218 (271,127,399) 918,981,819 (212,370,535) (315,706,883) (190,975,626) (104,109,029) (308,868,096) (5,373,069) (1,137,403,238) 271,127,399 (866,275,839) : 57,227,359 103,258,962 45,120,718 56,552,269 58,408,370 1,060,475 321,628,153 90,155 251,198 115,950 56,029 240,516 3,435 757,283 384,459 307,312 203,285 109,342 724,163-1,728,561 183

55 ( ) (2) ( ) 2010 3,607,411 3,737,342 2,926,173 2,317,584 6,702,980 70,832 19,362,322 /() 732,750 2,279,608 358,890 310,973 (3,696,570) 14,349-4,340,161 6,016,950 3,285,063 2,628,557 3,006,410 85,181 19,362,322 237,730 375,318 125,967 178,360 1,437,768 11,158 2,366,301 - - - - (17,403) (2,122) (19,525) / () 1,570 3,598 1,040 1,111 (135,357) - (128,038) 47,650 163,840 77,257 12,888 33,188 10,765 345,588 15 25,660 1,648 2,400 985 511 31,219 4,627,126 6,585,366 3,490,975 2,823,316 4,325,591 105,493 21,957,867 (405,004) (426,044) (277,175) (206,062) (278,843) - (1,593,128) (1,532,435) (2,891,976) (1,285,001) (904,812) (2,396,770) (48,664) (9,059,658) (187,675) (92,090) (62,510) (7,192) (2,434,227) (24,089) (2,807,783) (6) (5,787) - (351) (1,179) - (7,323) (2,125,120) (3,415,897) (1,624,686) (1,118,417) (5,111,019) (72,753) (13,467,892) 2,502,006 3,169,469 1,866,289 1,704,899 (785,428) 32,740 8,489,975 : 9,792 134,867 2,464 25,750 90,415 186 263,474 : (23,687) (53,240) (17,314) (6,357) (49,111) (223) (149,932) 2,488,111 3,251,096 1,851,439 1,724,292 (744,124) 32,703 8,603,517 194,252,500 266,124,222 145,172,326 101,941,666 332,168,497 5,773,860 1,045,433,071 (231,043,049) 814,390,022 (189,627,271) (260,937,703) (141,986,580) (98,476,227) (306,298,246) (5,225,447) (1,002,551,474) 231,043,049 (771,508,425) : 66,808,711 54,083,508 32,798,866 50,865,260 42,427,820 671,845 247,656,010 62,163 220,188 89,309 39,414 191,812 3,135 606,021 214,313 269,731 87,988 92,977 557,711 2,136 1,224,856 184

56 : : 185

56 ( ) (1) : : : : : : : - - - - : - - - - 186

56 ( ) (1) ( ) () 187

56 ( ) (1) ( ) (a) : 2011 12 31 2010 12 31 146,101,332 103,524,626 45,358,675 21,804,665 18,711,998 14,372,263 2,293,364 1,478,034-237,778 394,458 200,111 93,391,188 136,597,172 2,879,241 2,230,458 523,444,906 451,452,081 31,786,504 18,423,138 30,890,846 41,053,112 1,565,453 2,582,226 6,634,847 7,704,406 903,452,812 801,660,070 65,394,874 51,561,080 256,233,279 196,094,930 321,628,153 247,656,010 1,225,080,965 1,049,316,080 188

56 ( ) (1) ( ) (b) 2011 12 31 / (i) (ii) 6,047,080 1,000-60,335 853,089 (4,125,570) (1,000) - (52,774) (71,872) 1,921,510 - - 7,561 781,217 1,183,770 306,830 - - 216,371 (1,133,666) - - - (62,692) 50,104 306,830 - - 153,679 3 6,133,883 - - - - 3 6 13,428 - - - - 6 1 281 - - - - 6,147,592 - - - - 3 (1,173,741) - - - - 3 6 (2,569) - - - - 6 1 (54) - - - - (1,176,364) - - - - 4,971,228 - - - - 526,784,627 63,763,843 93,391,188 66,528,606 8,973,650 (10,282,563) - - - - 516,502,064 63,763,843 93,391,188 66,528,606 8,973,650 523,444,906 64,070,673 93,391,188 66,536,167 9,908,546 189

56 ( ) (1) ( ) (b) ( ) 2010 12 31 / (i) (ii) 6,483,738 1,000-66,227 158,277 (3,700,406) (1,000) - (44,203) (134,037) 2,783,332 - - 22,024 24,240 896,629 - - - 253,353 (844,814) - - - (12,867) 51,815 - - - 240,486 3 3,436,943 - - - - 3 6 40,000 - - - - 6 1 19,702 - - - - 3,496,645 - - - - 3 (307,278) - - - - 3 6 (3,576) - - - - 6 1 (1,761) - - - - (312,615) - - - - 3,184,030 - - - - 455,961,790 36,176,928 136,597,172 63,514,486 10,108,027 (10,528,886) - - - - 445,432,904 36,176,928 136,597,172 63,514,486 10,108,027 451,452,081 36,176,928 136,597,172 63,536,510 10,372,753 190

56 ( ) (1) ( ) (b) ( ) (i) () (ii) () (c) : 2011 12 31 2010 12 31 60,335 66,227 (52,774) (44,203) 7,561 22,024 AA- AA+ 20,055 21,470 A- A+ 157,000 215,573 A- 29,829 31,862 206,884 268,905 AAA 61,397,651 58,170,473 AA- AA+ 759,216 629,317 A- A+ 3,878,032 4,154,211 66,034,899 62,954,001 286,823 291,580 66,528,606 63,514,486 66,536,167 63,536,510 191

56 ( ) (2) () (a) : (i) (ii) (iii) (iv) (v) 192

56 ( ) (2) ( ) (a) ( ) : (i) (ii) (iii) 2011 12 31 2010 12 31 () +100 492,839 (212,367) - 100 (492,839) 212,367 2011 12 31 2010 12 31 () +100 (454,608) (154,726) - 100 475,372 159,873 : (i) (ii) (iii) 193

56 ( ) (2) ( ) (a) ( ) ( ) 2011 12 31 ((i)) 3 3 1 1 5 5 1.52% 4,333,294 145,610,712 - - - 149,944,006 3.89% - 57,788,511 5,282,162 1,000,000-64,070,673 5.46% - 59,839,065 33,442,763 109,360-93,391,188 6.43% - 227,644,227 295,800,679 - - 523,444,906 ((ii)) 3.52% 162,111 4,308,701 14,131,113 37,077,157 11,019,196 66,698,278 16,019,576 4,292,323 1,120,869 - - 21,432,768 20,514,981 499,483,539 349,777,586 38,186,517 11,019,196 918,981,819 4.53% - (35,543,709) (35,387,226) (6,080,966) - (77,011,901) 4.57% - (15,690,830) - - - (15,690,830) 2.13% (1,070,841) (454,913,539) (163,135,041) (116,668,706) (6,749,818) (742,537,945) 6.01% - - (700,000) (9,300,000) - (10,000,000) (15,621,973) (4,292,323) (1,120,867) - - (21,035,163) (16,692,814) (510,440,401) (200,343,134) (132,049,672) (6,749,818) (866,275,839) 3,822,167 (10,956,862) 149,434,452 (93,863,155) 4,269,378 52,705,980 194