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中國銀行股份有限公司股份代號 3988 H股普通股 4601 境外優先股 2014 年年度報告 2015 年 4 月本行 2014 年年度報告的印刷版本將取代此版本

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100 4601 A 571 3

(BVI) BOC Hong Kong (BVI) Limited 4

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50 Interbrand 2014 2014 500 50 The Banker 1,000 7 Global Finance Trade Finance The Asian Banker AsiaMoney FORTUNE 2014 500 59 2013 WPP BrandZ100 6

營業收入單位 : 百萬元人民幣營業利潤單位 : 百萬元人民幣稅後利潤單位 : 百萬元人民幣 276,518 328,298 366,176 407,509 456,328 141,473 168,531 187,060 211,685 230,159 110,111 130,848 145,746 163,741 177,198 2010 2011 2012 2013 2014 2010 2011 2012 2013 2014 2010 2011 2012 2013 2014 基本每股收益單位 : 人民幣元平均總資產回報率單位 :% 淨資產收益率單位 :% 0.40 0.45 0.50 0.56 0.61 1.15 1.17 1.19 1.23 1.22 18.92 18.32 18.13 18.04 17.28 2010 2011 2012 2013 2014 2010 2011 2012 2013 2014 2010 2011 2012 2013 2014 淨息差單位 :% 成本收入比 ( 中國內地監管口徑 ) 單位 :% 非利息收入佔比單位 :% 2.07 2.12 2.15 2.24 2.25 33.49 32.45 31.73 30.61 28.57 29.86 30.53 29.83 30.41 29.63 2010 2011 2012 2013 2014 2010 2011 2012 2013 2014 2010 2011 2012 2013 2014 信貸成本單位 :% 不良貸款率單位 :% 不良貸款撥備覆蓋率單位 :% 0.29 0.32 0.29 0.32 0.58 1.10 1.00 0.95 0.96 1.18 196.67 220.75 236.30 229.35 187.60 2010 2011 2012 2013 2014 2010 2011 2012 2013 2014 2010 2011 2012 2013 2014 7

2014 2013 2012 2011 2010 321,102 283,585 256,964 228,064 193,962 1 135,226 123,924 109,212 100,234 82,556 456,328 407,509 366,176 328,298 276,518 (177,788) (172,314) (159,729) (140,412) (122,052) (48,381) (23,510) (19,387) (19,355) (12,993) 230,159 211,685 187,060 168,531 141,473 231,478 212,777 187,673 169,047 142,502 177,198 163,741 145,746 130,848 110,111 169,595 156,911 139,656 124,622 104,793 N.A. 54,755 48,851 43,268 40,756 15,251,382 13,874,299 12,680,615 11,829,789 10,459,703 8,483,275 7,607,791 6,864,696 6,342,814 5,660,621 (188,531) (168,049) (154,656) (139,676) (122,856) 2 2,710,375 2,403,631 2,272,724 2,000,759 2,055,324 14,067,954 12,912,822 11,819,073 11,072,652 9,782,441 10,885,223 10,097,786 9,173,995 8,817,961 7,733,537 1,140,859 923,916 824,677 723,914 644,858 288,731 279,365 279,147 279,147 279,147 0.61 0.56 0.50 0.45 0.40 0.19 0.196 0.175 0.155 0.146 3 3.70 3.31 2.95 2.59 2.31 % 4 1.22 1.23 1.19 1.17 1.15 % 5 17.28 18.04 18.13 18.32 18.92 % 6 2.25 2.24 2.15 2.12 2.07 % 7 29.63 30.41 29.83 30.53 29.86 % 8 28.57 30.61 31.73 32.45 33.49 % 9 72.97 72.52 71.99 68.77 71.72 10 1,068,706 925,037 N.A. N.A. N.A. 72,923 698 N.A. N.A. N.A. 250,714 262,768 N.A. N.A. N.A. % 10.61 9.69 N.A. N.A. N.A. % 11.35 9.70 N.A. N.A. N.A. % 13.87 12.46 13.63 12.98 12.60 % 11 1.18 0.96 0.95 1.00 1.13 % 12 1.18 0.96 0.95 1.00 1.10 % 13 187.60 229.35 236.30 220.75 196.67 % 14 0.58 0.32 0.29 0.32 0.29 % 15 2.68 2.62 2.62 2.56 2.45 1 6.1190 6.0969 6.2855 6.3009 6.6227 1 7.4556 8.4189 8.3176 8.1625 8.8065 1 0.7889 0.7862 0.8108 0.8107 0.8509 8

1 2 3 4 2 5 9 2010 [2010]2 6 7 8 [2011]50 9 10 20132014[2012]1 20142013 2010 2012 [2004]22014 11 12 13 14 2 15 9

BANK OF CHINA LIMITED Bank of China 1 100818 (86) 10-6659 6688 (86) 10-6601 6871 http://www.boc.cn ir@bankofchina.com (86)-95566 1 1 (86) 10-6659 2638 (86) 10-6659 4568 ir@bankofchina.com A http://www.sse.com.cn http://www.hkexnews.hk 1 1 (86) 10-6659 2638 (86) 10-6659 4568 ir@bankofchina.com 1 10

11 1 16 1 22 1983 10 31 http://www.saic.gov.cn 100000000001349 B0003H111000001 110102100001342 10000134-2 A 601988 H 3988 1 360002 BOC 2014 PREF 4601 8 200 39 2014 12 82015 12 31 2016 12 31

2014 1,772 8.22% 1,6968.08% 0.61 0.05 20140.19 2015 6 1.36 1,000 2 201418.11% 27.41%1.65 29.91% 22.98%3.60 2014 3.92 240.8 86.6% 12

5.8 2015 3 25 13

2014 201415.2514.07 1.149.93% 8.95% 23.48% 1,7728.22% 1,696 8.08% 13.87%1.18% 0.22 2014 3,21113.23%1,352 9.12%2.25%1 0.58% 28.57%2.04 2014 86.56 29.91% 22.98%3.60 2014 8,755 1,219 1,455 6 3,63652.6% GE LG 3.92 5.3234% 716 14

1.36 70.71%5.60 9 E 1.1 2015 2015 3 25 15

2014 2014 2015 3 25 16

2014 13.63% 13.69% 7.4% 2.0%12.0% 15.7% 3.4% (M2)12.2% 1.49.788,900 16.468,598 52.9% 58.1%11 22.3%0.36% 172.313.9% 16013.3% 1.55 9.6%17.59% 1.581.23% 0.04 8,426 2,5051.25% 0.25 17

2015 年全球經濟增速將有所加快發達經濟體貨幣政策走向和地緣政治衝突等問題成為主要不確定因素部份新興經濟體仍面臨資本外流和匯率貶值風險中國政府將持續推動改革攻堅突出創新驅動堅持以提高經濟發展質量和效益為中心主動適應經濟發展新常態保持經濟運行在合理區間把轉方式調結構放到更加重要的位置繼續實施積極的財政政策和穩健的貨幣政策改善和優化融資和信貸結構進一步發展直接融資推動建設多層次資本市場加快推進利率市場化和人民幣匯率形成機制改革提高金融運行效率和服務實體經濟能力主要國家或地區基準利率 2010 2014 年世界經濟與中國經濟增長情況 2010 2014 年 4.0 3.5 12 3.0 10 2.5 8 % % 6 2.0 1.5 4 1.0 2 0.5 0 0.0 2010 2011 世界經濟增長率 2012 2013 2010 2014 2011 2012 港幣貼現窗口基本利率人民幣1年期存款利率中國經濟增長率數據來源國際貨幣基金組織 2013 2014 歐洲央行再融資利率美國聯邦基金利率數據來源湯森路透EcoWin數據庫中國國家統計局人民幣匯率走勢 2010 2014 年中國貨幣與信貸增長情況 2010 2014 年 130 2.0 7.00 120 6.50 105 100 萬億元人民幣 110 35 1.6 6.75 115 1.4 30 1.2 25 % 1.0 20 0.8 0.6 6.25 15 0.4 95 90 40 1.8 125 5 0.2 2010 USD/RMB (右軸) 2011 2012 人民幣實際有效匯率 (左軸) 2013 2014 0.0 6.00 人民幣名義有效匯率 (左軸) 數據來源湯森路透EcoWin數據庫 2010 2011 2012 新增人民幣貸款人民幣貸款增長率 M2增長率人民幣存款增長率 2013 2014 數據來源湯森路透EcoWin數據庫 18 0

20141,771.98 1,695.95 8.22% 8.08% (ROA)1.22% 0.01 (ROE)17.28% 0.76 2014 2013 321,102 283,585 37,517 13.23% 135,226 123,924 11,302 9.12% 91,240 82,092 9,148 11.14% 456,328 407,509 48,819 11.98% (177,788) (172,314) (5,474) 3.18% (48,381) (23,510) (24,871) 105.79% 230,159 211,685 18,474 8.73% 231,478 212,777 18,701 8.79% (54,280) (49,036) (5,244) 10.69% 177,198 163,741 13,457 8.22% 169,595 156,911 12,684 8.08% 2014 3,211.02 375.17 13.23% 1 1 19

2014 2013 8,263,521 5.19% 7,372,111 5.15% 891,410 4 Bps 2,461,952 3.50% 2,347,031 3.18% 114,921 32 Bps 2,319,947 1.41% 1,911,799 1.42% 408,148 (1) Bp 1,229,126 4.48% 1,006,745 3.74% 222,381 74 Bps 14,274,546 4.22% 12,637,686 4.11% 1,636,860 11 Bps 10,650,698 2.02% 9,627,269 1.87% 1,023,429 15 Bps 2,516,830 2.24% 2,026,499 2.29% 490,331 (5) Bps 260,750 3.88% 217,858 3.92% 42,892 (4) Bps 13,428,278 2.10% 11,871,626 1.98% 1,556,652 12 Bps 2.25% 2.24% 1 Bp 5,854,808 6.23% 5,357,204 6.17% 497,604 6 Bps 1,826,017 3.90% 1,706,986 3.57% 119,031 33 Bps 1,872,829 1.67% 1,658,015 1.58% 214,814 9 Bps 969,597 4.94% 719,175 4.31% 250,422 63 Bps 10,523,251 4.90% 9,441,380 4.75% 1,081,871 15 Bps 7,981,630 2.30% 7,383,988 2.16% 597,642 14 Bps 1,481,293 4.33% 1,164,909 3.94% 316,384 39 Bps 174,776 4.59% 170,914 4.43% 3,862 16 Bps 9,637,699 2.66% 8,719,811 2.45% 917,888 21 Bps 2.46% 2.49% (3) Bps 91,084 2.70% 87,474 2.11% 3,610 59 Bps 27,940 1.52% 27,730 1.42% 210 10 Bps 60,453 1.05% 48,913 1.03% 11,540 2 Bps 179,477 1.96% 164,117 1.67% 15,360 29 Bps 81,127 1.20% 79,562 0.80% 1,565 40 Bps 92,830 0.79% 71,355 0.74% 21,475 5 Bps 412 5.34% 100 8.00% 312 (266) Bps 174,369 0.99% 151,017 0.78% 23,352 21 Bps 1.00% 0.96% 4 Bps 1 2 3 20

2014 2013 428,572 379,570 49,002 45,908 3,094 86,210 74,651 11,559 3,654 7,905 32,779 27,094 5,685 5,796 (111) 55,119 37,680 17,439 8,317 9,122 602,680 518,995 83,685 63,675 20,010 215,019 180,479 34,540 19,138 15,402 56,434 46,396 10,038 11,229 (1,191) 10,125 8,535 1,590 1,681 (91) 281,578 235,410 46,168 32,048 14,120 321,102 283,585 37,517 31,627 5,890 365,022 330,732 34,290 30,702 3,588 71,140 61,004 10,136 4,249 5,887 31,186 26,145 5,041 3,394 1,647 47,939 31,002 16,937 10,793 6,144 515,287 448,883 66,404 49,138 17,266 183,674 159,804 23,870 12,909 10,961 64,196 45,951 18,245 12,466 5,779 8,019 7,579 440 171 269 255,889 213,334 42,555 25,546 17,009 259,398 235,549 23,849 23,592 257 2,456 1,846 610 76 534 424 395 29 3 26 637 506 131 119 12 3,517 2,747 770 198 572 972 637 335 13 322 732 527 205 159 46 22 8 14 25 (11) 1,726 1,172 554 197 357 1,791 1,575 216 1 215 21

2014 2013 3,752,063 6.51% 3,440,054 6.46% 312,009 5 Bps 1,986,408 5.71% 1,779,163 5.66% 207,245 5 Bps 116,337 6.27% 137,987 5.74% (21,650) 53 Bps 5,854,808 6.23% 5,357,204 6.17% 497,604 6 Bps 3,902,599 6.37% 3,583,341 6.30% 319,258 7 Bps 1 1,952,209 5.97% 1,773,863 5.92% 178,346 5 Bps 2,082,762 0.74% 2,038,522 0.70% 44,240 4 Bps 2,133,567 3.54% 1,867,923 3.37% 265,644 17 Bps 1,291,650 0.52% 1,209,561 0.50% 82,089 2 Bps 2,271,031 3.41% 2,157,204 3.34% 113,827 7 Bps 202,620 4.24% 110,778 4.18% 91,842 6 Bps 7,981,630 2.30% 7,383,988 2.16% 597,642 14 Bps 91,084 2.70% 87,474 2.11% 3,610 59 Bps 23,329 0.15% 25,173 0.08% (1,844) 7 Bps 26,082 2.96% 21,082 2.10% 5,000 86 Bps 14,283 0.04% 13,981 0.04% 302 14,364 0.59% 15,488 0.59% (1,124) 3,069 2.44% 3,838 2.01% (769) 43 Bps 81,127 1.20% 79,562 0.80% 1,565 40 Bps 22

2014 12.25% 2014 32 3.50% 744.48% 592.70% 2014 1,352.26 113.02 9.12% 29.63% 2014 912.40 91.48 11.14% 19.99% 13.83% 24.58% 21.20% 19.21% 23

項目集團代理業務手續費銀行卡手續費結算與清算手續費信用承諾手續費及佣金顧問和諮詢費外匯買賣價差收入託管和其他受託業務佣金其他手續費及佣金收入手續費及佣金支出手續費及佣金收支淨額中國內地代理業務手續費銀行卡手續費結算與清算手續費信用承諾手續費及佣金顧問和諮詢費外匯買賣價差收入託管和其他受託業務佣金其他手續費及佣金收入手續費及佣金支出手續費及佣金收支淨額 2014 年單位百萬元人民幣百分比除外 2013 年變動變動比率 19,973 21,567 14,815 16,112 8,835 7,610 3,426 6,200 98,538 17,546 17,312 15,196 13,294 9,574 7,147 2,874 5,642 88,585 (7,298) 91,240 (6,493) 82,092 13,965 18,369 12,727 11,556 8,704 6,864 3,113 4,611 79,909 12,497 14,216 13,256 9,011 9,462 6,361 2,577 4,170 71,550 (2,701) 77,208 (2,330) 69,220 (371) 7,988 2,427 4,255 13.83% 24.58% (381) 2,818 (2.51%) 21.20% (739) 463 552 558 9,953 (805) 9,148 (7.72%) 6.48% 19.21% 9.89% 11.24% 12.40% 11.14% 1,468 4,153 11.75% 29.21% (529) 2,545 (3.99%) 28.24% (758) 503 536 441 8,359 (8.01%) 7.91% 20.80% 10.58% 11.68% 15.92% 11.54% 其他非利息收入集團實現其他非利息收入 439.86 億元同比增加 21.54 億元增長 5.15% 主要是因為市場利率變化本行為資產負債管理及融資需要而敘做的外匯衍生交易收益比上年增加同時交易性債券估值亦同比上升見合併會計報表註釋五 3 4 24

1,777.88 54.74 3.18% 28.57% 2.04 5 6 2014 2013 77,889 72,762 5,127 7.05% 39,284 38,387 897 2.34% 13,214 13,598 (384) (2.82%) 26,224 23,965 2,259 9.43% 10,900 10,061 839 8.34% 10,277 13,541 (3,264) (24.10%) 177,788 172,314 5,474 3.18% 2014466.06 236.68 103.18% 0.58%232.85 64.14 233.21 172.54 8 3 2014 542.80 52.44 10.69% 23.45% 9 25

2014 152,513.82 13,770.83 9.93% 140,679.54 11,551.32 8.95% 2014 2013 8,294,744 54.39% 7,439,742 53.62% 2,710,375 17.77% 2,403,631 17.32% 2,306,088 15.12% 2,132,001 15.37% 1,130,211 7.41% 1,133,133 8.17% 809,964 5.31% 765,792 5.52% 15,251,382 100.00% 13,874,299 100.00% 10,885,223 77.38% 10,097,786 78.20% 2,353,848 16.73% 2,091,828 16.20% 308,492 2.19% 254,274 1.97% 520,391 3.70% 468,934 3.63% 14,067,954 100.00% 12,912,822 100.00% 1 2 84,832.75 8,754.84 11.51% 63,390.52 5,975.98 10.41% 3,504.20443.0814.47% 1,885.31 204.82 187.60%53.42 27.64 26

27,103.75 3,067.44 12.76% 21,289.68 2,973.28 16.23% 950.1712.001.28% 2014 2013 104,528 3.86% 75,200 3.13% 750,685 27.70% 701,196 29.17% 1,424,463 52.55% 1,210,531 50.36% 430,699 15.89% 416,704 17.34% 2,710,375 100.00% 2,403,631 100.00% 27

按發行人劃分的投資單位百萬元人民幣百分比除外 2014 年 12 月 31 日 2013 年 12 月 31 日項目債券中國內地發行人政府公共實體及准政府政策性銀行金融機構公司東方資產管理公司小計香港澳門台灣及其他國家和地區發行人政府公共實體及準政府金融機構公司小計權益性證券其他合計金額佔比金額佔比 892,754 42,979 420,378 207,606 334,224 160,000 2,057,941 32.94% 1.59% 15.51% 7.66% 12.33% 5.90% 75.93% 775,366 29,056 338,214 140,582 325,567 160,000 1,768,785 32.26% 1.21% 14.07% 5.85% 13.54% 6.66% 73.59% 193,154 45,617 138,055 60,708 437,534 56,646 158,254 2,710,375 7.13% 1.68% 5.09% 2.24% 16.14% 2.09% 5.84% 100.00% 169,155 55,442 167,080 48,222 439,899 43,465 151,482 2,403,631 7.04% 2.31% 6.95% 2.00% 18.30% 1.81% 6.30% 100.00% 按貨幣劃分的投資單位百萬元人民幣百分比除外單位百萬元人民幣百分比除外 14.23% 385,736 美元 15.70% 377,310 美元 4.82% 130,576 港幣 5.40% 129,796 港幣 2.40% 65,095 其他 2.70% 64,885 其他 78.55% 2,128,968 人民幣 76.20% 1,831,640 人民幣 2014年12月31日 2013年12月31日 28

2014 7,470 5.44% 2019/04/08 2005 6,800 3.42% 2015/08/02 2010 6,070 +0.52% 2017/01/26 2006 5,000 +0.60% 2016/12/12 2011 4,910 3.55% 2016/12/06 2014 4,860 5.61% 2021/04/08 2010 4,750 +0.59% 2020/02/25 2009 4,660 +0.54% 2016/09/01 2011 4,400 3.83% 2018/11/24 2014 3,800 5.98% 2029/08/18 108,852.23 7,874.37 7.80% 85,843.35 4,932.33 6.10% 3,760.24468.9214.25% 29

2014 2013 2,663,173 24.46% 2,635,353 26.10% 3,013,812 27.69% 2,655,911 26.30% 234,187 2.15% 129,614 1.28% 5,911,172 54.30% 5,420,878 53.68% 1,847,870 16.98% 1,835,753 18.18% 2,709,995 24.90% 2,517,922 24.93% 83,300 0.76% 26,884 0.27% 4,641,165 42.64% 4,380,559 43.38% 278,576 2.56% 238,264 2.36% 54,310 0.50% 58,085 0.58% 10,885,223 100.00% 10,097,786 100.00% 2,254,165 26.10% 2,298,447 27.97% 2,238,938 25.93% 2,045,509 24.90% 204,590 2.37% 119,554 1.46% 4,697,693 54.40% 4,463,510 54.33% 1,411,723 16.35% 1,427,875 17.38% 2,394,343 27.73% 2,245,404 27.34% 80,884 0.94% 23,874 0.29% 3,886,950 45.02% 3,697,153 45.01% 49,956 0.58% 54,181 0.66% 8,634,599 100.00% 8,214,844 100.00% 30

按貨幣劃分的客戶存款單位百萬元人民幣百分比除外單位百萬元人民幣百分比除外 8.97% 976,427 美元 8.40% 848,525 美元 7.35% 799,630 港幣 6.95% 701,985 港幣 4.82% 524,831 其他 4.52% 456,174 其他 78.86% 8,584,335 人民幣 80.13% 8,091,102 人民幣 2014年12月31日 2013年12月31日股東權益年末集團股東權益合計 11,834.28 億元比上年末增加 2,219.51 億元增長 23.08% 主要影響因素有 (1)2014 年集團實現稅後利潤 1,771.98 億元其中本行股東應享稅後利潤 1,695.95 億元 (2)根據股東大會審議批准的 2013 年度利潤分配方案本行派發年度現金股利 547.55 億元 (3)本行積極穩妥地推進外部資本補充工作在境外境內市場成功發行約 65 億美元和 320 億元人民幣優先股 (4)本行部份可轉債被轉換為A股普通股見合併會計報表之合併股東權益變動表資產負債表表外項目集團資產負債表表外項目主要包括衍生金融工具或有事項及承諾等集團主要以交易套期資產負債管理及代客為目的敘做衍生金融工具包括外匯衍生工具利率衍生工具權益性衍生工具信用衍生工具貴金屬及其他商品衍生工具等有關集團衍生金融工具的合同名義金額及公允價值見合併會計報表註釋五 16 集團或有事項及承諾包括法律訴訟及仲裁抵質押資產接受的抵質押物資本性承諾經營租賃國債兌付承諾信用承諾和證券承銷承諾等或有事項及承諾情況見合併會計報表註釋五 40 現金流量分析年末集團現金及現金等價物餘額 11,481.51 億元比上年末減少 24.15 億元 31

2014 1,269.18 1,855.03 2,005.99 388.69 835.55 496.21 2014 2013 2014 2013 2014 2013 2014 2013 2014 2013 270,405 245,298 33,467 27,407 17,230 10,880 321,102 283,585 98,969 91,318 33,102 30,531 4,161 2,859 (1,006) (784) 135,226 123,924 77,208 69,220 11,758 10,563 3,033 3,035 (759) (726) 91,240 82,092 (147,149) (144,523) (26,990) (24,693) (4,655) (3,886) 1,006 788 (177,788) (172,314) (43,940) (20,562) (2,850) (1,895) (1,591) (1,053) (48,381) (23,510) 178,285 171,531 38,048 32,442 15,145 8,800 4 231,478 212,777 12,071,129 11,082,460 2,715,651 2,404,270 1,843,435 1,441,923 (1,378,833) (1,054,354) 15,251,382 13,874,299 11,125,104 10,328,324 2,521,863 2,230,851 1,799,659 1,407,841 (1,378,672) (1,054,194) 14,067,954 12,912,822 2 120,711.29 9,886.69 8.92% 72.59% 20141,782.85 67.54 3.94%77.02% 27,156.51 3,113.81 12.95% 16.33% 2014 380.48 56.06 17.28%16.44% 18,434.35 4,015.12 27.85% 11.08% 2014 151.45 63.45 72.10%6.54% 2 32

62,852 82,285 19,433 1,278 2,211 933 4,321 4,144 (177) 6,749 15,888 9,139 665,758 712,138 46,380 8,821 11,999 3,178 26,617 26,548 (69) 40,823 47,967 7,144 (36,212) (40,734) (4,522) 3,849 (577) 1,857 (5,776) (5,776) (34) (156,498) (317,487) (160,989) (3,521) (7,681) (7,224) 457 (14) 33

6 34

2014 2013 429,300 94.08% 383,075 94.00% 209,912 46.00% 196,615 48.25% 126,250 27.67% 118,845 29.16% 93,138 20.41% 67,615 16.59% 18,231 4.00% 16,992 4.17% 8,797 1.92% 7,442 1.83% 456,328 100.00% 407,509 100.00% 35

2014 2013 2012 4,431,867 4,179,257 3,755,626 265,826 284,253 288,324 1,213,479 957,368 769,575 5,911,172 5,420,878 4,813,525 3,688,329 3,508,797 3,234,301 198,621 188,356 187,452 754,215 683,406 659,387 4,641,165 4,380,559 4,081,140 4,021,257 3,688,976 3,452,004 500,208 503,179 488,518 1,524,131 1,247,184 1,039,877 6,045,596 5,439,339 4,980,399 2,082,757 1,864,654 1,617,123 1,551 1,371 1,037 353,371 302,427 266,137 2,437,679 2,168,452 1,884,297 36

商業銀行業務中國內地商業銀行業務 2014 年中國內地商業銀行業務實現營業收入 3,645.02 億元同比增加 316.60 億元增長 9.51% 具體如下表所示項目公司金融業務個人金融業務資金業務其他合計單位百萬元人民幣百分比除外 2014 年 2013 年金額佔比金額佔比 192,006 112,960 52.68% 30.99% 177,787 107,111 53.41% 32.18% 58,524 1,012 364,502 16.05% 0.28% 100.00% 47,079 865 332,842 14.15% 0.26% 100.00% 公司金融業務本行大力推進公司金融業務轉型加大產品創新力度不斷優化客戶結構持續拓展客戶基礎加快推動一體化綜合化經營實現公司金融業務平衡穩健發展 2014 年中國內地公司金融業務實現營業收入 1,920.06 億元同比增加 142.19 億元增長 8.00% 公司存款業務本行加快發展公司負債業務實現公司存款可持續增長大力拓展行政事業單位客戶完善對民生保障財政社保教育衛生等行業客戶的產品服務體系行政事業機構存款實現較快增長不斷擴大客戶基礎積極拓展供應鏈產業鏈上下游客戶挖掘客戶存款增長潛力提升客戶存款貢獻繼續加大現金管理產品營銷力度有力把握企業直接融資快速發展等業務機會擴大存款來源完善網點服務功能提升公司金融業務服務水平提高網點存款貢獻年末本行中國內地人民幣公司存款總額 44,318.67 億元比上年末增加 2,526.10 億元增長 6.04% 外幣公司存款總額折合 434.43 億美元公司貸款業務本行適應經濟新常態要求積極應對利率市場化趨勢實現風險與收益的平衡積極調整信貸結構提高信貸資源使用效率主動防控風險完善差異化的信貸 37

2014 20% 11.3% 10% 40,212.57 3,322.81 9.01% 817.47 2014 3.92 14.79% 2014 9,737 20145.3234% 2.55 (CRI)(ORI) 2014 20 (FCI) 38

41 SWIFT 50% 179 1,600 1001,290 (QFII) B 2014 39

3 10,382 1,455 6 9.65% 3,500 17% 306.84 995.52 9,500 63.69266.04 26.19% 36.47% 3 2014 [2014]7 40

2014 10 11 2014 11 17 11 18 2014737 93% 4,900 21 42.69 2.4 49.93 41

2014 1,129.60 58.49 5.46% 25 36,883.29 1,795.32 5.12% 324.6015.66 5.07% 20,827.57 2,181.03 11.70% QDII 42

6,80928034 10% 7.4 7,200 2014 2014 APP MPOS IC 30250 VISA15 43

本行銀行卡發卡量和交易額數據如下表所示項目單位萬張億元人民幣百分比除外 2014 年 2013 年 12 月 31 日 12 月 31 日變動比率借記卡累計卡量信用卡累計有效卡量加載金融功能的社會保障卡累計卡量借記卡消費額信用卡消費額人民幣卡收單交易額代理外卡收單交易額 36,193.04 4,786.94 6,069.07 30,258.88 4,189.94 4,216.75 19.61% 14.25% 43.93% 2014 年 2013 年變動比率 21,240.41 13,382.30 35,203.76 284.31 18,625.30 10,202.15 31,896.40 255.35 14.04% 31.17% 10.37% 11.34% 金融市場業務本行密切跟蹤金融市場動態順應利率市場化匯率市場化和人民幣國際化趨勢繼續深化業務結構調整積極參與金融市場創新充分發揮專業優勢全面提高資產管理市場融資資金交易託管服務投資運作和風險控制能力推動金融市場業務持續健康平穩發展投資業務本行把握市場機遇抓住年內市場利率高企時機加大人民幣利率債和高等級信用債投資力度合理擺佈投資久期投資收益明顯提升加強信用風險研判能力綜合平衡風險收益做好投資組合風險管理跟進市場動向穩健參與資產證券化投資業務豐富組合投資品種把握國際債券市場趨勢控制利率風險優化外幣投資結構集中經營和決策海外機構債券加強集團債券投資統一管理交易業務本行順應市場趨勢持續開展產品創新努力鞏固市場地位成為首批人民幣對英鎊歐元新西蘭元和新加坡元直盤交易做市商之一並成功敘做首筆交易開辦巴西里亞爾柬埔寨瑞爾蒙古圖格里克等現鈔結售匯業務推出印尼盾印度盧比馬來西亞林吉特和泰銖等新興市場貨幣代客衍生交易產品滿足客戶多樣化保值避險需求加強遠期結售匯人民幣期權等匯率保值產品研發推廣幫助客戶有效應對人民幣匯率雙向波動的挑戰支持中國上海自由貿易試驗區建設成為上海黃金交易所國際板首批會員並敘做首筆交易開辦首筆美元計價人民幣交割的大宗商品保值業務開展上海黃金交易所白銀自營交易業務開發面向個人客戶的雙向賬戶白銀鉑金和鈀金交易參與人民幣利率產品市場 44

2014 3013,463 50 20 2014 (Cagamas Berhad) 2014 6,191 73,894.7 6.63% 2014127.13 RQFII 6.4 2014RQFII 45

2014 82.9327 17241.6 2,625 51 2014 4 28 100 2013 2014 3 46

20145733 717 42.6 1.32100.98 69.6% 101.10 108.3%0.87%331.3% 2014 500 20% 2014240.8 86.6% 12 6 20.5 (MTN) 25 30 20 15 20 20 47

RQFII 1 ATM 2014 F1RST 3,621.393,036.59 18.03% 20.87% 201476.44 33.92% 20.29% 2014 A 48

2014 1,000.59 132.0523.7 146 6 62 53859% 49

12% (CME) 2014 2014 366.7279.81 9.48 3,311 164% 300 QFII RQFII 28 21 50

13.25 10.39 3.79 1,609 32% 2014 TOP 74.42 38.97 18.43 1.04 2014 10.18 2.5230.17% 51

2014 167.57 (ipad Sales Kit) World Finance 2014 2014 120.24 48.88 201453.25 4.84 30% 12306 PAD 26 (GSP) 907.02 515.3325.05 52

3 6 (CHINA VENTURE) 114 213.09 1252021230 20 31 60 4 2014 2050 10 10 A- BBB 41 53

10,693 193 628 13 2014 2013 ATM 44,594 40,600 9.84% 26,689 23,348 14.31% 13,527 12,840 5.35% 2014135.8023% 84.70% 2014 2013 259.90 220.09 18.09% 11,249.49 10,107.40 11.30% 6,460.05 5,212.62 23.93% 9,582.76 8,883.53 7.87% 2014 2013 1,144,206.13 951,852.39 20.21% 154,618.95 114,573.84 34.95% 20,548.17 3,675.39 459.07% 38,349.34 33,580.18 14.20% 54

23 ipad Windows PC ipad 31 24 B2B NFC 8 35.49% 2014 1,772.93 EO2O 55

20141.35 3,634.7291.17%98.24% 2.920.24 IT 20132014 2/3 2014 2014 4 2 56

2014 1,004.94 272.23 1.18% 0.22 1,885.31 57

204.82187.60% 41.75 970.57 266.92 1.47% 0.312,006.54 113.61 2.37% 0.12 2014 2013 8,182,127 96.45% 7,345,227 96.55% 200,654 2.37% 189,293 2.49% 54,369 0.64% 33,245 0.43% 24,705 0.29% 26,465 0.35% 21,420 0.25% 13,561 0.18% 8,483,275 100.00% 7,607,791 100.00% 100,494 1.18% 73,271 0.96% 6,319,759 95.67% 5,809,080 95.89% 188,957 2.86% 178,735 2.95% 52,925 0.80% 31,479 0.52% 22,991 0.35% 25,496 0.42% 21,141 0.32% 13,390 0.22% 6,605,773 100.00% 6,058,180 100.00% 97,057 1.47% 70,365 1.16% % 2014 2013 2012 1.92 1.68 2.61 9.89 10.52 15.31 42.38 31.09 44.55 46.94 8.86 8.48 39 997.89 266.70 1.18% 0.22 970.57 58

266.241.47% 0.31 27.32 0.46 0.15% 0.02 2014 2013 2012 73,119 65,455 63,306 60,197 31,658 28,246 (33,527) (23,994) (26,097) 99,789 73,119 65,455 70,433 62,844 61,159 58,577 30,325 26,387 (31,953) (22,736) (24,702) 97,057 70,433 62,844 2014 2013 2012 6,339,052 86,914 5,741,454 61,452 5,246,944 52,301 2,144,223 12,875 1,866,337 11,667 1,617,752 13,154 8,483,275 99,789 7,607,791 73,119 6,864,696 65,455 6,104,014 86,205 5,553,630 61,184 5,069,127 52,226 501,759 10,852 504,550 9,249 489,555 10,618 6,605,773 97,057 6,058,180 70,433 5,558,682 62,844 4 3 59

2014466.06236.68 0.58% 0.26435.74 229.41 0.69%0.33 % 2014 2013 2012 10 2.4 2.1 2.6 50 14.7 14.2 16.9 1 2 17 3 2014 A 33,331 0.39% B 27,629 0.33% C 24,429 0.29% D 22,499 0.27% E 18,582 0.22% F 16,192 0.19% G 15,934 0.19% H 15,645 0.18% I 13,927 0.16% J 13,826 0.16% 60

4 25 4 2014 2013 25 (1,240) (149) 86 132 (878) (194) 30 36 25 1,240 149 (86) (132) 878 194 (30) (36) 4 2014 25 61

2014 % 2014 2013 2012 25 49.9 48.0 49.8 25 59.9 62.2 65.2 2.3 1.7 3.2 14.6 23.8 27.7 8 0.3 0.2 1.6 8 0.4 2.3 2.6 1 2 3 4 5 62

5 2014 2013 2,042,886 1,889,820 (5,015,706) (4,563,640) 1 (804,780) (552,967) 1 3 (97,853) (140,238) 3 1 230,541 56,154 15 1,696,225 1,334,624 5 3,132,115 2,937,724 1,183,428 961,477 63

2014 64

2014 1332.88 (RACA) (KRI) (LDC) (RACA KRI LDC) IT 200 65

2014 10 2311 2165 320 S 5 2014 8 811 13 300 30 A 2014 4 2 2014 2013 2014 2013 1,054,389 912,948 929,096 802,861 1,127,312 913,646 1,000,841 802,861 1,378,026 1,173,347 1,234,879 1,040,740 10.61% 9.69% 10.48% 9.55% 11.35% 9.70% 11.29% 9.55% 13.87% 12.46% 13.93% 12.38% 11.04% 10.73% 11.20% 10.92% 14.38% 13.47% 14.45% 13.43% 2014 12 31 2013 12 3120142013 5 S 66

7 2014 2013 1,141,629 925,735 14,317 12,089 1,127,312 913,646 15,045,983 13,777,980 3,198,824 2,721,875 18,230,490 16,487,766 6.18% 5.54% 67

201411,514 10,886 62810,693 3731410,341 4,626,881 26.52% 1,786 15.51% 57,077 18.52% 666,292 3.82% 955 8.29% 26,471 8.59% 3,720,170 21.33% 3,624 31.47% 93,541 30.36% 2,619,281 15.02% 2,808 24.39% 69,662 22.61% 1,250,840 7.17% 1,713 14.88% 37,778 12.26% 2,715,651 15.57% 507 4.41% 19,185 6.23% 1,843,435 10.57% 121 1.05% 4,414 1.43% (2,191,168) 15,251,382 100.00% 11,514 100.00% 308,128 100.00% 68

人力資源開發與管理 2014 年末本行共有員工 308,128 人中國內地機構員工 284,529 人其中中國內地商業銀行機構員工 278,826 人香港澳門台灣地區及其他國家機構員工 23,599 人年末本行需承擔費用的離退休人員數為 6,183 人 6.24% 其他 7.49% 51歲及以上 6.57% 研究生及以上學歷 38.59% 30歲及以下 61.55% 大學本科 22.59% 31 40歲 25.64% 大學專科 31.33% 41 50歲中國內地商業銀行員工年齡結構中國內地商業銀行員工學歷結構 9.79% 運營服務與財務管理 8.62% 風險與內部控制管理 2.39% 信息科技 9.95% 其他 12.93% 公司金融業務 0.35% 金融市場業務 13.68% 個人金融業務 42.29% 綜合營銷服務與櫃員中國內地商業銀行員工職能結構 2014 年圍繞集團戰略和年度重點工作以服務基層一線為重點實施機構改革優化資源配置強化人才培養開發為集團戰略實施和全行業務發展提供堅強支持為提升本行市場競爭力本着精簡高效的原則實施機構改革優化總行本部和各級管理機構組織架構精簡管理層級減少部門設置縮短管理鏈條提高管理效率 69

2014 76,0992,553,405 201511% 70

4 5.8 90% 12 72

12 17 50 78 12 26 4,235 2014 15200 160 12 11 6 3 156 2014 2014 73

2014 1 1 2014 279,364,552,437 100.00% 9,366,595,563 9,366,595,563 288,731,148,000 100.00% 1 195,742,276,042 70.07% 9,366,595,563 9,366,595,563 205,108,871,605 71.04% 2 3 83,622,276,395 29.93% 83,622,276,395 28.96% 4 279,364,552,437 100.00% 9,366,595,563 9,366,595,563 288,731,148,000 100.00% 1 2014 12 31288,731,148,000205,108,871,605 A 83,622,276,395 H 2 2014 12 31AH 3 A9,366,595,563 74

2014 1,065,843 850,158 A215,685 H 1,389,749 1,176,509 A213,240 H 2014 12 31 1 189,179,033,607 65.52% A 2 66,389,735 81,669,967,370 28.29% H 3 The Bank of Tokyo-Mitsubishi UFJ Ltd. 520,357,200 0.18% H 4 246,518,310 246,518,310 0.09% A 5 209,999,763 209,999,763 0.07% A 6 191,909,296 191,909,296 0.07% A 7 113,154,976 113,154,976 0.04% A 8 106,978,492 106,978,492 0.04% A 019L FH002 9 99,999,900 0.03% A 9 99,999,900 0.03% A H H 2014 H 75

2014 12 31336 A H 188,553,352,005 A 91.93% 65.30% 7,518,157,041 H 8.99% 2.60% BlackRock, Inc. 5,924,055,391 H 7.08% 2.05% JPMorgan Chase & Co. 1,422,402,689 H 1.70% 0.49% 544,162,436(S) H 0.65% 0.19% 827,645,447 H 0.99% 0.29% 36,000 H 0.00004% 0.00001% 3,915,684,177(P) H 4.68% 1.36% 6,165,768,313 H 7.37% 2.14% 544,162,436(S) H 0.65% 0.19% 3,915,684,177(P) H 4.68% 1.36% 1 2011 A 2 AH 2014 12 31AH 3 BlackRock, Inc.BlackRock Holdco 2 Inc. BlackRock Holdco 2 Inc. BlackRock Financial Management, Inc. BlackRock, Inc. BlackRock Holdco 2 Inc. BlackRock Financial Management, Inc. BlackRock, Inc.BlackRock Financial Management, Inc. 5,924,055,391 H18,779,000 76

4 JPMorgan Chase & Co.JPMorgan Chase Bank, N.A. JPMorgan Chase & Co.JPMorgan Chase Bank, N.A. JPMorgan Chase & Co.JPMorgan Chase Bank, N.A. 6,165,768,313 H 544,162,436 H 6,165,768,313 H 3,915,684,177 H524,943,986 H544,162,436 H 524,162,435 H 5 S P 2014 336 2003 12 16 8,282.098,282.09 71093296-1 2013 6 265,037,361.30 13,599,354.85 251,438,006.45 2013 45,015,073.88 2013 4,174,376.14 6 2014 77

2014 1 47.63% 2 35.12% 3 40.28% 4 65.52% 5 57.26% 6 55.67% 7 41.24% 8 73.63% 9 84.91% 10 31.34% 11 100.00% 12 78.57% 13 55.38% 14 43.35% 15 40.00% 16 100.00% 17 100.00% 18 70.00% 19 14.54% 1 A H 2 2014 12 8 55.67%90 100% 3 2015 1 26 25.03% 32.89% 78

(www.china-inv.cn) 20072007 10 9 2014 12 3110% [2014]563[2014]938 2014 10 23 399.4 65 2014 10 24 [2014]562[2014]990 2014 11 21 320 [2014]818 2014 12 8 2015 3 13 280 79

2014 39 38 1 63 62 1 2014 12 31 1 399,400,000 399,400,000 55.52% 2 50,000,000 50,000,000 6.95% 3 30,000,000 30,000,000 4.17% 4 22,000,000 22,000,000 3.06% 5 20,000,000 20,000,000 2.78% 6 15,000,000 15,000,000 2.09% 7 14,000,000 14,000,000 1.95% 005L FH002 8 13,000,000 13,000,000 1.81% 005L CT001 9 10,000,000 10,000,000 1.39% 5 9 10,000,000 10,000,000 1.39% 2014 12 31 Euroclear Clearstream 399,400,000 100% 005L FH002 005L CT001 80

[2010]148[2010]723 2010 6 2400A [2010]17 400A2010 6 18 A 39,386,767,000 24,540,517,000 14,846,250,000 81

7,297 2014 1 733,688,000 4.94% 2 624,936,000 4.21% 3 531,161,000 3.58% 4 404,098,000 2.72% 5 357,411,000 2.41% 6 336,003,000 2.26% 7 324,575,000 2.19% 8 321,223,000 2.16% 9 300,001,000 2.02% 10 260,000,000 1.75% 24,540,517,000 9,366,595,563 9,583,985,269 3.53% 14,846,250,000 37.12% 82

2010 6 4 3.88 2010 5 31 2009 2010 11 16 3.78 2010 11 11 A 2010 12 16 3.74 2010 12 13 H 2011 6 10 3.59 2011 6 3 2010 2012 6 13 3.44 2012 6 6 2011 2013 3 29 2.99 2013 3 27 2013 6 18 2.82 2013 6 6 2012 2014 6 27 2.62 2014 6 19 2013 2.62 2012 1 1 SD[2014]105AAA 2010 A 2015 3 6 25,822,000 400 0.06%A 15,240,628,5102010 12 1 271,545,137,6055.61%2015 3 13 83

300 30 30 84

1960 2013 5 2016 1960 2014 4 2017 1955 2004 8 2016 1955 2010 10 2016 1957 2011 7 2017 1972 2011 7 2017 1962 2013 7 2016 1957 2014 9 2017 1954 2014 10 2017 1946 2010 10 2016 1950 2011 3 2017 Nout WELLINK 1943 2012 10 2015 1963 2013 7 2016 1951 2013 9 2016 1956 2010 3 2016 1957 2004 8 2016 85

1958 2004 8 2016 1959 2010 8 2016 1956 2012 8 2015 1971 2012 8 2015 1949 2011 5 2017 1956 2004 8 1960 2010 8 1969 2014 7 1963 2014 7 1960 2007 3 1960 2014 11 1968 2012 9 1952 2004 8 2014 1 1964 2012 2 2014 4 1955 2010 10 2014 9 1951 2011 5 2014 12 1956 2010 8 2015 3 1953 2011 12 2014 11 86

2014 2015 1 1 2014 84.30 33.78 118.08 75.10 33.22 108.32 72.80 36.14 108.94 45.00 45.00 40.00 40.00 Nout WELLINK 50.00 50.00 50.00 50.00 40.00 40.00 73.76 35.90 109.66 65.71 33.17 98.88 61.01 31.66 92.67 5.00 5.00 5.00 5.00 5.00 5.00 18.00 18.00 70.94 35.16 106.10 87

71.10 33.48 104.58 35.55 15.54 51.09 35.55 15.24 50.79 522.88 51.60 574.48 12.30 3.10 15.40 66.68 30.92 97.60 6.32 3.57 9.89 24.04 10.37 34.41 25.93 25.93 71.10 34.18 105.28 66.92 35.19 102.11 1 20072009 2 2014 88

3 4 2014 5 10.45 20142,172.21 2014 1 12014 2014 2013 5 2013 42010 122013 4 1999 4 2010 12 1983 71999 4 2013 6 1983 2014 42014 219902008 62014 22000 62008 5 2011 12 1982 1999 89

2004 82000 11 1980 112000 11 2002 6 1978 2010 1019822010 1982 2 2011 72004 112010 6 2005 42010 6 2001 82004 11 1999 92001 9 2004 12008 121986 1988 1990 2011 7 20012011 19912001 199519982001 2013 7 2007 62013 6 2012 122004 82007 31997 12004 8 1984 1987 90

2014 9 2004 112014 8 2004 12004 11 1994 112004 1 1982 3 1988 82002 6 2014 10 2013 62014 6 2010 62013 6 2004 92010 6 1978 91994 5 1993 1994 52004 9 1978 8 1989 101990 2 1985 41986 4 2010 102003 42010 1 AustralianSuper Pty. Ltd.19972003 1992199720032010 1 20032010 1 20072008 2009 20012007 1970 19791982 1987 2010200320052010 91

2011 340 20022007 2001200219992001 20072008 19741999 2013 20112008VaporStream 20122013 Russell Reynolds Associates 20112014 20102013 200820102001 2010 1972 1974 Nout WELLINK 2012 1030 142011 7 1 1999 1997 20022006 20062011 19972011 1982 19771982 19611968 1975 2008 19881998 MNI Connect Mauritshuis Westeinde 1980 2011Orange-Nassau 92

2013 7 1994199920012007 20072014 20012005 2013 2014 2004 9 2005 11 2009 12 2011 1 2004 2 2010 121988 1996 2013 9 1987 7 2011 620092010 2012 7 1976 1981 1982 1985 1988 1989 1991 2010 32009 12 2006 9 2009 122000 112006 8 2000 62009 12 1998 42001 4 1990 101998 4 1995 93

2004 82005 4 2003 7 2004 8 2001 10 2003 72000 102001 10 1996 112000 9 1985 81996 101985 2008 2004 82005 42014 1 2001 112004 8 1984 82001 11 1984 2010 8 2008 72010 72007 62008 7 2008 22008 71993 62007 6 1984 81993 6 1984 2012 82008 72011 51998 102008 7 1983 71998 10 1983 94

2012 8 2005 72010 32003 32005 7 2000 102005 7 1993 72000 10 1993 2004 12 2011 5 2003 102010 5 1982 1999 2004 8 2002 62004 8 1998 82002 7 1983 95

2010 8 19882009 52010 7 2003 72009 5 2000 112003 7 2014 5 2008 2014 7 19972009 112014 12 2007 22009 11 2003 102007 2 2005 3 2007 2 IT1997 9 2014 7 2014 5 2013 102014 5 2003 82013 10 1988 7 2007 3 19831985 2014 11 19942009 112014 11 2004 52009 112007 12009 11 1999 122004 5 2002 112004 5 1994 7 96

2012 9 1994 IT 2013 71990 1993 1994 2014 1 28 2014 4 4 2014 4 16 2014 9 28 2014 9 28 2014 10 16 2014 2014 1 28 2014 2 13 97

2014 4 16 2014 7 31 2014 7 31 2014 11 28 2014 11 28 2015 3 6 2015 3 11 2015 3 11 2015 3 11 98

A 2014 2014 2014 50 99

公司治理架構本行公司治理架構如下股東大會董事會監事會董事會秘書部高級管理層集團執行委員會監事會辦公室戰略發展委員會履職盡職監督委員會稽核委員會財務與內部控制監督委員會風險政策委員會人事和薪酬委員會關聯交易控制委員會資產負債管理委員會稽核部反洗錢工作委員會風險管理與內部控制委員會證券投資管理委員會採購評審委員會資產處置委員會信息科技管理委員會公司治理合規報告期內本行公司治理與公司法及中國證監會相關規定的要求不存在差異報告期內本行嚴格遵照香港上市規則附錄十四企業管治守則守則全面遵循守則中的所有守則條文同時達到了守則中所列明的絕大多數建議最佳常規公司章程修訂本行 2013 年年度股東大會審議批准了關於修訂本行公司章程的議案根據國務院關於開展優先股試點的指導意見中國證監會優先股試點管理辦法等規定在公司章程中明確了優先股股東的有關權利和義務涉及優先股的定義優先股表決權限制與恢復優先分配利潤優先分配剩餘財產等條款此外針對在普通股以外增設優先股的情況對公司章程中涉及股份股東的表述進行梳理調整進一步澄清具體所指並明確本行股東在請求召開臨時股東大會召集和主持股東大會提交股東大會臨時提案以及認定控股股東需要計算持股比例時僅計算普通股和表決權恢復的優先股此次章程修訂案已於 2014 年 8 月 14 日獲中國銀監會核准 100

101

2014 3 252014 2014 6 122013 A 2013 20132013 2013 2014 2014 2013 2016 2012 2014 2016 16 2013 2013 2014 8 42014 2013 2014 3 252014 6 122014 8 4 102

2013 2013 2013 2013 2014 20132014 2013 2014 103

董事會的組成董事會下設戰略發展委員會稽核委員會風險政策委員會人事和薪酬委員會及關聯交易控制委員會負責從不同方面協助董事會履行職責本行董事長和行長由兩人分別擔任本行董事會結構合理多元化目前董事會由 14 名成員組成除董事長外包括 2 名執行董事 6 名非執行董事 5 名獨立董事獨立董事在董事會成員中佔比超過三分之一董事由股東大會選舉任期三年從中國銀監會核准其任職資格之日起計算董事任期屆滿可連選連任法律法規和監管機構有特別規定的除外董事會成員的詳細資料及變更情況請見董事監事高級管理人員部份董事會構成董事人數 14 13 12 11 10 9 8 7 6 5 4 3 2 1 0 女執行董事其他國家和地區 66 75 3年以上中國香港非執行董事男 56 65 中國內地獨立董事性別職務 3年以下 55歲以下國藉年齡歲擔任本行董事時間董事會會議召開情況 2014 年本行於 1 月 28 日 3 月 26 日 4 月 24 日 5 月 13 日 6 月 12 日 6 月 30 日 8 月 19 日 10 月 30 日 12 月 18 日以現場會議方式召開 9 次董事會會議主要審議批准了本行定期報告提名董事候選人董事會專業委員會成員調整發行優先股事宜 2013 年度社會責任報告 2013 年度內部控制自我評估報告 2015 年業務計劃與財務預算等 60 項議案並聽取了併表管理情況獲准實施資本管理高級方法情況等 12 項報告 2014 年本行以書面議案方式召開 12 次董事會會議主要審議批准了關於股東承諾履行情況的公告關於可轉換公司債券跟蹤信用評級結果的公告等議案 104

2014 105

2/3 19/21 10/10 3/3 13/13 8/8 2/3 19/21 3/3 3/3 21/21 10/10 6/6 3/3 21/21 10/10 6/6 3/3 21/21 10/10 6/6 3/3 21/21 10/10 6/6 0/0 2/2 3/3 2/2 0/0 2/2 3/3 2/2 3/3 21/21 6/6 5/5 6/6 3/3 3/3 21/21 10/10 6/6 5/5 3/3 Nout WELLINK 3/3 21/21 10/10 6/6 5/5 3/3 21/21 6/6 6/6 3/3 3/3 21/21 6/6 6/6 3/3 0/0 0/0 1/1 8/8 1/1 3/3 19/19 7/7 3/3 1 2 2014 3 266 30 3 2014 6 1212 18 106

2014 A.6.5 2014 2014 5 3.13 2014 2014 2014 107

[2003]56 Nout WELLINK 2014 12 31 11,485.35 10 Nout WELLINK 108

20146 4 2013 7 Nout WELLINK 20146 2015 20152014 20132014 2014 IT 2015 20142014 109

2015 2014 2014 2015 2015 5 Nout WELLINKNout WELLINK 20145 110

5 20145 1 2013 2014 20142013 5 111

20143 2013 2014 2015 2013 2013 2014 73 31 2014 5 2 1 4 112

2014 15 99 2015 3 113

2012 2013 2013 2014 2014 2014 12 31 1.99 1,500 1,725.75 2014 2014 2015 2015 2014 20132014 2014 150 114

e 2014 440 e 2014 2014 2014100 A 2013 LACP (League of American Communications Professionals) 100 ARC (Annual Report Competition) 115

2014 30% 20142014 0.192015 6 17 2014 2015 6 17 A 2015 7 3H 2015 7 29 2014 6 122013 0.196 2013 AH2014 67 547.55 2014 6 30 2014 116

2013 0.196 54,755 156,911 35% 2012 0.175 48,851 139,656 35% 2011 0.155 43,268 124,622 35% 2009 2013 10% 2014 2014 2016 2014 2013 117

H 2015 6 29 7 2 HH 2015 6 26 4 30 183 17 1712 1716 H 2015 6 25 6,628.56 38 21 118

2014 18 119

2014 XV 352 34 2014 722 120

AH 2014 A [2012]85 11 1 1 1 50% 125% 20% 12 10% 121

H H 10% H [2008]897 H2008 10% 2015 3 25 122

2014 1 283 264 248 1910 30 5 2 2013 2013 2013 2014 2013 18 2014 7/7 7/7 6/7 7/7 7/7 6/7 6/7 6/7 20141 2013 4 2013 2013 2014 123

2014 4 124

2 125

2005 11 42 126

(1) (2) 5% 5% 127

1 601318 794,590,916 19,010,570 18,471,091 1,358,407,834 6.99% 21,388,586 2 600741 723,146,413 56,158,916 71,050,066 1,082,665,593 5.57% 837,456 3 600009 728,157,362 4,029,964 50,630,581 977,846,774 5.03% 9,064,672 4 000333 766,280,769 3,315,230 35,860,883 968,643,524 4.98% 8,859,672 5 600900 578,726,341 88,056,023 91,517,263 961,227,829 4.95% 1,430,196 6 000651 731,325,328 8,675,887 24,759,255 904,699,673 4.65% 18,027,249 7 000002 A 545,448,039 23,552,539 61,032,856 835,097,890 4.30% 11,568,177 8 113002 559,040,831 5,210,520 766,737,277 3.94% 1,547,205 9 601006 526,599,064 21,060,568 69,940,235 733,910,642 3.77% 16,039,427 10 600660 507,193,749 402,300 52,998,200 633,342,599 3.26% 1,889,003 8,868,446,630 10,218,925,152 52.56% 1,822,773,235 1,790,832,476 15,328,955,442 19,441,504,787 100.00% 3,704,257,354 1 2 3 4 549 HK 54,536,224 94,841,726 10.95% 94,841,726 10.95% 41,076,530 14,141,101 2008 HK 307,474,986 412,000,000 8.30% 412,000,000 8.30% 793,065,392 (120,259,916) 362,011,210 834,141,922 (106,118,815) 128

1 5% 2 989,697,139 14% 14% 1,296,575,348 132,000,000 94,599,271 13% 13% 285,068,962 37,834,451 13,096 1,660 11% 1,660 11% 13,096 128,350,581 10% 10% 169,911,641 10,096,797 1,212,660,087 1,751,569,047 47,931,248 132,000,000 1 2 5% 3 4 1,750,027,064 2,896,650,654 1,179,173,639 3,467,504,079 13,963,943,435 5,072,475,615 129

獨立審計師報告安永會計師事務所香港中環添美道1號中信大廈22樓獨立審計師報告致中國銀行股份有限公司全體股東於中華人民共和國註冊成立的有限公司我們審計了後附第 133 頁至第 374 頁的中國銀行股份有限公司貴行及其子公司統稱貴集團的合併會計報表包括 2014 年 12 月 31 日的合併及公司財務狀況表截至 2014 年 12 月 31 日止年度合併利潤表合併綜合收益表合併股東權益變動表和合併現金流量表以及重要會計政策和會計報表註釋董事對合併會計報表的責任貴行董事負責按照國際會計準則理事會發佈的國際財務報告準則的規定及香港公司條例的披露要求編製真實而公允列報的合併會計報表以及對董事認為必要的內部控制負責以使合併會計報表不存在由於舞弊或錯誤而導致的重大錯報審計師的責任我們的責任是在執行審計工作的基礎上對上述合併會計報表發表審計意見我們僅向全體股東報告除此之外我們的報告不可用作其他用途我們不就本報告的內容對任何其他人士負責或承擔任何責任我們按照國際審計準則的規定執行了審計工作該準則要求我們遵守職業道德守則計劃和執行審計工作以對上述合併會計報表是否不存在重大錯報獲取合理保證審計工作涉及實施審計程序以獲取有關合併會計報表金額和披露的審計證據選擇的審計程序取決於審計師的判斷包括對由於舞弊或錯誤導致的合併會計報表重大錯報風險的評估在進行風險評估時審計師考慮與編製真實而公允列報的合併會計報表相關的內部控制以設計恰當的審計程序但目的並非對內部控制的有效性發表意見審計工作還包括評價董事選用會計政策的恰當性和作出會計估計的合理性以及評價合併會計報表的總體列報我們相信我們獲取的審計證據是充分適當的為發表審計意見提供了基礎審計意見我們認為上述合併會計報表已經按照國際財務報告準則的規定真實而公允地反映了貴行和貴集團 2014 年 12 月 31 日的財務狀況以及貴集團 2014 年度的經營成果和現金流量並已按照香港公司條例的披露要求編製安永會計師事務所執業會計師香港 2015 年 3 月 25 日 130

... 133... 134... 135... 137... 139... 141... 143... 144... 179... 183 1... 184 2... 185 3... 185 4... 186 5... 187 6... 188 7... 189 8... 193 9... 194 10... 196 11... 198 12... 200 13... 201 14... 202 15... 204 16... 206 17... 211 18... 217 19... 222 20... 223 21... 224 22... 230 23... 232 24... 238 25... 240 131

26... 240 27... 241 28... 241 29... 242 30... 244 31... 249 32... 250 33... 250 34... 252 35... 252 36... 257 37... 263 38... 265 39... 267 40... 267 41... 272 42... 273 43... 281 44... 287 45... 289 46... 291 47... 292 1... 293 2... 293 3... 294 4... 336 5... 350 6... 362 7... 370 8... 374 132

2014 2013 1 602,680 518,995 1 (281,578) (235,410) 321,102 283,585 2 98,538 88,585 2 (7,298) (6,493) 91,240 82,092 3 11,099 7,183 1,795 594 4 31,092 34,055 456,328 407,509 5 (177,788) (172,314) 8 (48,381) (23,510) 230,159 211,685 20 1,319 1,092 231,478 212,777 9 (54,280) (49,036) 177,198 163,741 169,595 156,911 7,603 6,830 177,198 163,741 10 0.61 0.56 0.58 0.54 38.3 133

2014 2013 177,198 163,741 11 (233) 121 5 (228) 121 8,430 (7,041) 256 (35) (2,759) (5,160) 471 300 6,398 (11,936) 6,170 (11,815) 183,368 151,926 175,165 147,503 8,203 4,423 183,368 151,926 134

2014 2013 * 12 813,054 702,584 13 2,306,088 2,132,001 14 402,280 512,888 27 76,517 82,069 194,531 193,208 15 104,528 75,200 16 47,967 40,823 17 8,294,744 7,439,742 18 2,605,847 2,328,431 750,685 701,196 1,424,463 1,210,531 430,699 416,704 20 14,379 13,368 21 172,197 158,968 22 18,653 20,271 35 25,043 22,928 23 175,554 151,818 15,251,382 13,874,299 * 23 135

2014 2013 * 25 1,780,247 1,551,624 26 348,271 200,939 27 76,607 82,212 28 225,330 339,265 16 40,734 36,212 29 10,885,223 10,097,786 10,567,736 9,941,288 317,487 156,498 30 278,045 224,704 31 30,447 29,570 32 41,636 40,031 33 4,566 4,815 35 4,287 3,385 36 352,561 302,279 14,067,954 12,912,822 37.1 288,731 279,365 37.4 71,745 37.2 130,797 115,369 37.3 (25) (28) 11 (13,671) (19,241) 38.1 96,105 80,225 38.2 159,341 144,450 407,836 323,776 1,140,859 923,916 39 42,569 37,561 1,183,428 961,477 15,251,382 13,874,299 * 23 2015 3 25 136

2014 2013 * 12 731,409 646,671 13 2,211,837 2,015,175 14 405,101 510,355 27 4,908 4,086 191,625 189,162 15 44,035 33,314 16 26,433 22,971 17 7,377,812 6,628,759 18 2,225,804 1,954,266 445,465 356,620 1,355,313 1,188,878 425,026 408,768 19 94,705 89,226 20 56 57 21 85,772 83,961 22 2,036 1,923 35 26,277 23,687 23 109,547 96,010 13,537,357 12,299,623 * 23 137

2014 2013 * 25 1,814,414 1,500,816 26 299,656 164,561 27 4,999 4,229 28 233,987 362,034 16 29,127 23,530 29 9,565,329 8,947,521 9,279,854 8,804,012 285,475 143,509 30 233,383 191,483 32 38,222 36,773 33 4,566 4,815 35 121 142 36 243,402 197,759 12,467,206 11,433,663 37.1 288,731 279,365 37.4 71,745 37.2 129,404 113,976 11 (346) (6,472) 38.1 93,868 78,219 38.2 152,633 138,425 334,116 262,447 1,070,151 865,960 13,537,357 12,299,623 * 23 2015 3 25 138

2014 1 1 * 279,365 115,369 (19,241) 80,225 144,450 323,776 (28) 37,561 961,477 11 5,570 169,595 8,203 183,368 37.1 9,366 17,974 27,340 37.4 71,745 71,745 38.1 15,888 (15,888) 38.2 14,897 (14,897) 38.3 (54,755) (3,234) (57,989) 37.3 3 3 39 39 (2,546) (2,546) (8) (6) 5 (9) 2014 288,731 71,745 130,797 (13,671) 96,105 159,341 407,836 (25) 42,569 1,183,428 * 23 139

* 2013 1 1 279,147 114,984 (9,833) 65,362 131,909 243,123 (15) 36,865 861,542 11 (9,408) 156,911 4,423 151,926 218 449 667 38.1 14,863 (14,863) 38.2 12,545 (12,545) 38.3 (48,851) (3,908) (52,759) 37.3 (13) (13) 181 181 (64) (64) (4) 1 (3) 2013 279,365 115,369 (19,241) 80,225 144,450 323,776 (28) 37,561 961,477 * 23 140

2014 2013 * 231,478 212,777 48,381 23,510 12,775 13,008 2,788 2,682 (199) (477) (684) (419) (1,319) (1,092) (83,847) (72,627) (458) (472) (1,795) (594) 10,125 8,535 (879) (500) (121,015) (141,041) (77,077) 1,023 (1,814) (42,671) (22,668) (4,896) (901,980) (751,836) (9,102) 50,137 228,623 (1,568) 147,332 70,917 (113,935) 26,261 787,437 936,045 877 (4,475) 51,070 34,552 184,114 356,779 (57,196) (44,358) 126,918 312,421 * 23 141

2014 2013 * 9,624 5,969 1,078 788 851 590 78,472 68,582 910,115 1,170,358 (260) (569) (35,108) (34,771) (1,165,371) (1,372,677) (200,599) (161,730) 173,256 76,127 71,745 (94,603) (65,385) (8,896) (7,772) (54,755) (48,851) (3,234) (3,908) 42 168 83,555 (49,621) (12,289) (22,787) (2,415) 78,283 1,150,566 1,072,283 41 1,148,151 1,150,566 * 23 142

2014 1912 2 51949 1949 1994 2004 8 26 2006 B0003H111000001 100000000001349 1 2014 12 31 65.52% 2013 12 3167.72% 2015 3 25 143

2014 1 1.1 2014 2014 1 1 32 36 39 1012 27 21 2014 32 7 2014 36 144

2014 1 1.1 2014 2014 39 2014 1012 27 10 2014 21 145

2014 1 1.2 2014 9 2018 1 1 19 2014 7 1 27 2016 1 1 10 2016 1 1 28 15 2017 1 1 10 2016 1 1 12 28 1 2016 1 1 2010 2012 2014 7 1 2011 2013 2013 12 2012 2014 2014 9 2016 1 1 2014 79 39 9 19 19 146

2014 1 1.2 2014 27 10 28 2014 5 15 10 12 28 10 10 28 1 147

2014 1 1.2 2014 2010 2012 2011 2013 2013 12 2014 7 1 2014 2012 2014 2014 9 2016 1 1 2014 2 2.1 148

2014 2 2.1 2.2 20% 50% 149

2014 2 2.2 2.3 3 3.1 150

2014 3 3.2 (i) (ii) (iii) 151

2014 4 4.1 (1) 152

2014 4 4.1 (1) (2) 153

2014 4 4.1 (3) (4) (5) 154

2014 4 4.2 4.3 155

2014 4 4.4 4.5 156

2014 4 4.6 (i) (ii) (iii) (iv) (v) (vi) (vii) 157

2014 4 4.6 (viii) 50%50% 6 20%20%130% (ix) (1) 158

2014 4 4.6 (1) 159

2014 4 4.6 (2) 4.7 160

2014 4 4.7 (1) 161

2014 4 4.7 (2) (3) 162

2014 4 4.8 4.9 163

2014 4 4.10 5 6 164

2014 7 165

2014 7 7.1 15 50 3% 1.9% 6.5% 3 15 3% 6.4% 32.4% 4 6 3% 16.1% 24.3% 7.2 25 0% 15% 7.3 8 8.1 166

2014 8 8.2 8.3 9 167

2014 10 11 12 12.1 2004 1 1 168

2014 12 12.1 12.2 2003 169

2014 12 12.3 12.4 12.5 13 170

2014 14 14.1 14.2 (1) (2) 171

2014 14 14.3 15 16 172

2014 17 18 173

2014 19 20 174

2014 21 21.1 21.2 175

2014 21 21.2 22 23 2014 [2014]127 2013 12 312013 1 1 2014 30 2014 2013 12 312013 1 1 176

2014 23 2013 12 312013 1 1 2013 660,049 (147,161) 512,888 2,181,270 147,161 2,328,431 11,032,980 11,032,980 13,874,299 13,874,299 12,912,822 12,912,822 116,121 (752) 115,369 (19,241) (19,241) 323,673 103 323,776 1,652 (1,652) (21,542) 21,542 541,573 541,573 961,477 961,477 13,874,299 13,874,299 177

2014 23 2013 1 1 447,299 (62,200) 385,099 2,138,934 62,200 2,201,134 10,094,382 10,094,382 12,680,615 12,680,615 11,819,073 11,819,073 115,451 (467) 114,984 (9,833) (9,833) 242,899 224 243,123 7,276 (7,276) (17,352) 17,352 513,268 513,268 861,542 861,542 12,680,615 12,680,615 178

2014 1 179

2014 1 2 180

2014 3 39 4 39 5 6 12.2 33 181

2014 7 8 182

2014 25% 5% 1% 7% 3% 2% 16.5% 183

2014 1 2014 2013 428,572 379,570 (1) 86,210 74,651 32,779 27,094 55,119 37,680 602,680 518,995 (215,019) (180,479) (55,428) (45,520) (11,131) (9,411) (281,578) (235,410) (2) 321,102 283,585 947 629 (1) (2) 6,001.902,726.84 2013 5,168.602,306.66 184

2014 2 2014 2013 21,567 17,312 19,973 17,546 16,112 13,294 14,815 15,196 8,835 9,574 7,610 7,147 3,426 2,874 6,200 5,642 98,538 88,585 (7,298) (6,493) 91,240 82,092 3 2014 2013 9,853 5,984 631 (257) 119 790 496 666 (1) 11,099 7,183 (1) 2014 43.86 2013 10.99 185

2014 4 2014 2013 (1) 12,256 12,445 5,852 10,307 5,757 4,977 521 535 696 543 22 546 662 684 419 4,780 4,167 31,092 34,055 (1) 2014 2013 13,836 14,714 (7,199) (6,916) 6,637 7,798 6,351 5,418 (732) (771) 5,619 4,647 12,256 12,445 186

2014 5 2014 2013 6 77,889 72,762 (1) 39,284 38,387 26,224 23,965 13,214 13,598 7,265 7,380 3,635 2,681 5,455 9,728 4,822 3,813 177,788 172,314 (1) 20141.99 2013 1.85 0.46 2013 0.36 2014 65.96 114.53 2013 61.08 109.54 187

2014 6 2014 2013 53,857 51,327 2,443 2,293 288 181 2,984 2,604 6,272 5,608 1,862 1,569 447 419 157 145 201 181 4,978 4,462 1,925 1,882 20 14 2,455 2,077 77,889 72,762 188

2014 7 2014 (4) (2) 843 74 264 1,181 (4)(5) (2) 63 16 20 99 (4)(6) (2) 751 99 233 1,083 (4) (2) 728 124 237 1,089 (4)(5) (2) 240 28 76 344 (1) (1) (1) (1) (1)(6) (1)(6) (1)(5) 450 450 400 400 Nout WELLINK 500 500 500 500 400 400 (4) 738 120 239 1,097 (4) 657 105 227 989 (4) 610 101 216 927 50 (3) 50 50 (3) 50 50 (3) 50 180 180 (5) 259 259 2,839 4,630 667 1,512 9,648 189

2014 7 2013 (4) (2) 557 47 173 777 (4) (2) 745 93 234 1,072 (4) (2) 715 86 227 1,028 (4) (2) 708 67 225 1,000 (4) (2) 203 18 62 283 (1) (1) (1) (1) (1) (1) 450 450 373 373 Nout WELLINK 396 396 192 192 122 122 383 383 278 278 (4) 724 91 229 1,044 (4) 619 74 211 904 (4) 596 72 203 871 50 (3) 50 50 (3) 50 50 (3) 50 180 180 259 259 2,783 4,867 548 1,564 9,762 190

2014 7 (1) 2014 2013 (2) 2014 2013 (3) (4) 2014 2014 3 (5) 2014 1 28 2014 4 16 2014 9 28 2014 (6) 2014 2 132014 4 4 2014 9 282014 10 16 191

2014 7 2014 2013 2014 2013 14 16 70 59 5 4 89 79 2014 2013 11,000,001 12,000,000 1 12,500,001 13,000,000 2 13,000,001 14,000,000 2 14,000,001 20,000,000 2 1 28,000,001 28,500,000 1 28,500,001 30,500,000 1 2014 2013 192

2014 8 2014 2013 23,321 6,067 23,285 16,871 46,606 22,938 (183) (239) 760 504 577 265 (29) (47) 548 218 1,227 354 (1) 48,381 23,510 (1) 17 24 193

2014 9 2014 2013 48,126 42,884 3,576 3,601 4,285 2,689 2,872 (504) 58,859 48,670 35 (4,579) 366 54,280 49,036 25% 7 194

2014 9 2014 2013 231,478 212,777 57,870 53,194 (3,561) (2,934) 2,619 2,612 (1) (7,973) (6,294) (2) 3,704 2,507 1,621 (49) 54,280 49,036 (1) (2) 195

2014 10 2014 2013 169,595 156,911 280,009 279,156 0.61 0.56 2014 2013 279,365 279,147 655 19 (11) (10) 280,009 279,156 196

2014 10 2014 2013 169,595 156,911 12 31 1,120 1,129 170,715 158,040 280,009 279,156 13,861 13,575 293,870 292,731 0.58 0.54 197

2014 11 2014 2013 (234) 160 1 (39) (233) 121 5 (228) 121 12,334 (10,037) (3,532) 2,724 (426) 293 54 (21) 8,430 (7,041) 276 (40) (20) 5 256 (35) (2,583) (5,483) (176) 323 (2,759) (5,160) 471 300 6,398 (11,936) 6,170 (11,815) 198

2014 11 2013 1 1 7,276 (17,352) 243 (9,833) (5,624) (4,190) 406 (9,408) 2014 1 1 1,652 (21,542) 649 (19,241) 8,050 (2,851) 371 5,570 2014 9,702 (24,393) 1,020 (13,671) 2013 1 1 1,098 (1,817) (143) (862) (4,617) (1,382) 389 (5,610) 2014 1 1 (3,519) (3,199) 246 (6,472) 8,097 (1,771) (200) 6,126 2014 4,578 (4,970) 46 (346) 199

2014 12 2014 2013 2014 2013 85,123 82,339 76,452 73,819 697,158 597,620 607,854 531,417 505 746 455 725 29,863 21,674 46,486 40,688 405 205 162 22 (1) 813,054 702,584 731,409 646,671 (1) 42.8 200

2014 13 2014 2013 2014 2013 (1) 1,727,805 1,613,606 1,715,653 1,601,600 (2) 158,224 98,318 149,806 91,794 (3) 100,000 100,000 (4) 420,059 320,077 346,378 221,781 2,306,088 2,132,001 2,211,837 2,015,175 (1) 2014 12 3120.0% 2013 12 3120.0% 5.0% 2013 12 315.0% (2) (3) (4) 201

2014 14 2014 2013 2014 2013 130,015 286,090 106,841 263,326 182,046 167,767 180,880 164,837 (1) 90,414 59,154 91,159 54,037 (1) 12 72 26,408 28,350 (2) 402,487 513,083 405,288 510,550 (207) (195) (187) (195) 402,280 512,888 405,101 510,355 173 195 173 195 0.04% 0.04% 0.04% 0.04% 202

2014 14 (1) 42.8 (2) 2014 2013 2014 2013 30,932 126,526 30,779 126,444 50,935 108,047 50,440 107,638 1,300 1,279 83,167 235,852 81,219 234,082 20,002 22,196 13,738 22,196 103,169 258,048 94,957 256,278 203

2014 15 2014 2013 2014 2013 2,104 1,679 313 358 9,036 5,474 4,294 3,325 12,130 3,283 9,575 3,088 5,946 1,994 4,122 1,180 13,260 12,454 365 135 2,868 440 3,636 4,538 49,345 29,997 18,304 7,951 1,457 758 14,168 5,315 64,970 36,070 18,304 7,951 204

2014 15 2014 2013 2014 2013 356 218 204 169 1,444 1,777 1,444 1,777 2,295 359 1,650 359 7,345 5,857 5,615 3,686 61 267 17,711 20,530 11,137 13,573 3,728 3,847 1,689 1,642 32,940 32,855 21,739 21,206 754 520 (1) 4,144 4,321 3,992 4,157 1,720 1,434 39,558 39,130 25,731 25,363 (2)(3) 104,528 75,200 44,035 33,314 24,120 18,185 9,261 8,530 (4) 50,365 32,311 27,236 17,945 30,043 24,704 7,538 6,839 104,528 75,200 44,035 33,314 205

2014 15 (1) 2014 2013 (2) 2014 2014 2013 2014 2013 2,459 1,897 517 527 1.95% 4.54% 1.40% 4.25% 2.98% 4.13% 3.77% 4.25% (3) 2014 12 31 66.15 2013 4.20 (4) 16 206

2014 16 16.1 2014 2013 (1) 2,784,008 32,106 (29,101) 2,237,388 27,980 (23,926) 215,372 4,526 (849) 163,613 683 (811) 2,999,380 36,632 (29,950) 2,401,001 28,663 (24,737) 666,049 4,521 (4,730) 571,624 6,837 (6,032) 31 30 3,503 3 (3) 2,335 3 (1) 669,583 4,524 (4,733) 573,989 6,840 (6,033) 14,573 627 (680) 8,674 124 (152) 176,856 6,184 (5,371) 134,023 5,196 (5,290) 3,860,392 47,967 (40,734) 3,117,687 40,823 (36,212) 207

2014 16 16.1 2014 2013 (1) 2,142,078 17,827 (20,109) 1,799,317 15,206 (14,688) 184,623 4,397 (4,246) 128,479 589 (697) 2,326,701 22,224 (24,355) 1,927,796 15,795 (15,385) 393,960 1,879 (2,508) 321,875 2,868 (3,401) 393,960 1,879 (2,508) 321,875 2,868 (3,401) 60 80 1 129,039 2,330 (2,264) 85,438 4,307 (4,744) 2,849,760 26,433 (29,127) 2,335,189 22,971 (23,530) (1) 208

2014 16 16.2 2014 2013 5,968 (466) 2,261 (35) 60,534 1,800 (890) 68,245 2,641 (886) (1) 66,502 1,800 (1,356) 70,506 2,641 (921) 1,467 8 (30) 2,972 58 (51) 148 (1) (2) 1,467 8 (30) 3,120 58 (52) 67,969 1,808 (1,386) 73,626 2,699 (973) 209

2014 16 16.2 (1) 2014 2013 (1,701) 616 1,985 (173) 284 443 (2) 2014 0.64 2013 0.20 2014 2013 2014 2013 (3) 2014 0.27 2013 4.98 2014 2013 210

2014 17 17.1 2014 2013 2014 2013 5,820,128 5,310,894 5,180,495 4,740,537 225,468 128,445 220,527 124,674 6,045,596 5,439,339 5,401,022 4,865,211 1,694,275 1,506,331 1,495,266 1,323,801 268,026 222,141 256,911 212,165 475,378 439,980 408,081 391,483 2,437,679 2,168,452 2,160,258 1,927,449 8,483,275 7,607,791 7,561,280 6,792,660 (49,239) (39,202) (48,146) (38,479) (139,292) (128,847) (135,322) (125,422) (188,531) (168,049) (183,468) (163,901) 8,294,744 7,439,742 7,377,812 6,628,759 17.2 3.5 211