: 03328
1908 20056 20075 11329 777190 2,6489 20091,000 5649 2010
2 4 6 8 14 20 55 60 71 77 82 97 101 105 107 113 244 253 254 264
80,000 35,000 3,500,000 3,309,137 70,000 60,000 50,000 40,000 30,000 20,000 31,478 39,497 53,943 65,862 66,668 30,000 25,000 20,000 15,000 10,000 9,433 12,549 20,323 28,524 30,118 3,000,000 2,500,000 2,000,000 1,500,000 1,000,000 2,678,249 2,105,524 1,716,159 1,420,428 10,000 5,000 500,000 0 2005 2006 2007 2008 2009 0 2005 2006 2007 2008 2009 0 2005 2006 2007 2008 2009 1.5 25 3.0 2.80 1.2 0.9 0.74 0.80 1.07 1.20 1.01 20 15 14.64 14.96 18.85 20.87 19.49 2.5 2.0 1.5 2.53 2.05 1.92 1.36 0.6 10 1.0 0.3 5 0.5 0.0 2005 2006 2007 2008 2009 0 2005 2006 2007 2008 2009 0.0 2005 2006 2007 2008 2009 60 50 40 50.51 46.82 40.08 39.64 39.25 160 120 95.63 116.83 151.05 15 12 9 11.20 10.83 14.44 13.47 12.00 30 20 80 57.96 72.31 6 10 40 3 0 2005 2006 2007 2008 2009 0 2005 2006 2007 2008 2009 0 2005 2006 2007 2008 2009 02
2009 2008 2007 2006 2005 1 66,668 65,862 53,943 39,497 31,478 2 38,301 35,953 31,242 17,774 13,098 2 30,118 28,524 20,323 12,549 9,433 2 3,309,137 2,678,249 2,105,524 1,716,159 1,420,428 1 1,839,314 1,328,590 1,104,490 924,825 769,540 2 3,144,712 2,532,649 1,976,872 1,628,697 1,339,983 1 2,372,055 1,865,815 1,555,599 1,344,177 1,212,824 2 164,425 145,600 128,652 87,462 80,445 2 163,848 145,167 128,234 87,403 80,381 2 0.61 0.58 0.42 0.27 0.22 2 3.36 2.97 2.63 1.91 1.76 2 3.34 2.96 2.62 1.91 1.75 % 2,3 1.01 1.20 1.07 0.80 0.74 2,4 19.49 20.87 18.85 14.96 14.64 2,5 39.25 39.64 40.08 46.82 50.51 6 1.36 1.92 2.05 2.53 2.80 7 151.05 116.83 95.63 72.31 57.96 % 8.15 9.54 10.27 8.52 8.78 12.00 13.47 14.44 10.83 11.20 1. 2. 3. 4. 5. 6. 7. 03
Bank of Communications Co., Ltd. Ian Ramsay Wilson Thomas Joseph Manning 188 200120 86-21-58766688 86-21-58798398 investor@bankcomm.com www.bankcomm.com 20 852 29738861 04
A www.sse.com.cn H www.hkexnews.hk A 166 3 H 183 1717121716 A A 601328 H 03328 1987330 20081230 100000000005954 31004310000595X 10000595 X 05
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20102009 20093.3300 1045(ROAA) (ROAE) 1.01%19.49%AH97.26%61.18% 20082009 08
2008 2009 150119 50050 2009 13.94165.82 143.51%113.99 2.530.982.3 09
2009 2009 2011 2009250.09 1.36%151.05% 8 2009 192009 2009 010
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2009 33,091.3723,720.5518,393.1423.56%27.13%38.44% 5.75%0.104.14% 0.096.55%0.45 4.65%0.54 28.99% 2.53 2% 301.18 5.59%(ROAA)(ROAE)1.01%19.49% 39.25%0.39 1.09 4.35 0.982.3 015
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020 2009 (GDP)335,353 8.7%(PPI)(CPI) 15.5%30.1%22,073 2009 (M2)60.627.7% (M1)22.032.4%M2M1 59.813.1 3.11.1 40.031.7%9.6 3.430.1% 0 100,000 200,000 300,000 400,000 500,000 600,000 700,000 12 11 10 9 8 7 6 5 4 3 2 1 0.00% 5.00% 10.00% 15.00% 20.00% 25.00% 30.00% 35.00% 40.00% 20091 12M1M2 0 100,000 200,000 300,000 400,000 500,000 600,000 12 11 10 9 8 7 6 5 4 3 2 1 20091 12
0.160 15.000 0.140 14.500 6.828264 0.09% 0.120 0.100 14.000 13.500 53.6 26.89 0.080 0.060 0.040 0.020 13.000 12.500 12.000 2,197 0.000 1 2 3 4 5 6 7 8 9 10 11 12 11.500 100.7% 3,277.14 13,699.97 79.98%111.24% 20091 12 Bloomberg 33,091.37 23.56%23,720.5527.13% 18,393.1438.44% 301.185.59%815.785.57% 1.36%0.56151.05%34.22 27.13%23,720.55 38.44%18,393.145,000 1045 2.33 021
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20091231 12 20081231 12 1 % 1 % 354,396 5,501 1.55 296,003 4,985 1.68 283,054 4,895 1.73 192,410 6,907 3.59 1,619,593 83,027 5.13 1,167,624 82,784 7.09 1,222,267 66,267 5.42 942,533 67,120 7.12 230,236 13,142 5.71 179,862 13,083 7.27 167,090 3,618 2.17 45,229 2,581 5.71 692,916 23,320 3.37 561,927 22,430 3.99 2,901,381 4 115,977 4 4.00 2,181,119 4 115,396 4 5.29 133,677 132,238 3,035,058 4 2,313,357 4 2,161,675 34,007 1.57 1,640,628 37,538 2.29 1,437,109 21,431 1.49 1,093,191 24,059 2.20 724,566 12,576 1.74 547,437 13,479 2.46 598,415 13,994 2.34 404,398 11,817 2.92 52,122 2,074 3.98 43,654 1,889 4.33 2,763,634 4 49,309 4 1.78 2,051,835 4 49,534 4 2.41 271,424 261,522 3,035,058 4 2,313,357 4 66,668 65,862 2 2.22 4 2.88 4 3 2.30 4 3.02 4 2 2.29 5 2.97 5 3 2.37 5 3.11 5 1. 2. 3. 4. 5. 027
2009 V 119 2.22%2.30%66 72 2008196 62186 72 1.57% 20092008 981 (465) 516 3,254 (5,266) (2,012) 32,045 (31,802) 243 5,226 (4,336) 890 41,506 (41,869) (363) 11,932 (15,463) (3,531) 5,665 (3,488) 2,177 367 (182) 185 17,964 (19,133) (1,169) 23,542 (22,736) 806 028
8.06 235.42 227.36 (1) 1,167.433.63 0.31% 830.272.430.29% 2008 170156354 233.208.90 3.97% 3.37% 55.015.16 583.9319.73% 48.95 20.12 1861.73% 029
(2) 500.7511.69 2.28% 340.07 35.319.41%67.91% 2.29% 1.57% 139.94 21.7718.42%47.98% 58 20.74 1.854.33%3.98% 3. 113.9925.6228.99% 13.97%2.53 030
2009 2008 2,817 2,045 3,992 2,938 1,133 912 715 667 984 853 761 590 1,920 1,081 1,092 1,035 13,414 10,121 (2,015) (1,284) 11,399 8,837 28.177.7237.75% 5.3795.99% 39.9210.5435.87% 11.332.2124.23% 7.150.48 031
17.453.02 19.208.3977.61% 4. 320.22 13.894.53%17.19 39.25%0.39 5. 112.555.65 (1)93.18 34.63(2)19.4029.20 2008 0.61%0.19 6. 80.477.15 9.75%21.01%25% 2009 2008 9,149 8,244 (1,102) (912) 032
1. 33,091.376,308.88 23.56% 20091231 20081231 % % 1,801,538 54.44 1,298,776 48.49 775,761 23.44 623,071 23.26 434,996 13.15 362,180 13.52 222,671 6.73 331,511 12.38 3,309,137 2,678,249 (1) 18,393.145,107.2438.44% 47.14% 154.70% 033
20091231 20081231 % % 73,062 3.97 60,331 4.54 23,992 1.30 23,680 1.78 40,109 2.18 33,766 2.54 76,532 4.16 67,141 5.05 24,163 1.31 22,102 1.66 140,836 7.66 114,481 8.63 226,757 12.33 148,935 11.21 119,824 6.51 105,541 7.94 145,278 7.90 108,559 8.17 81,699 4.44 49,990 3.76 129,325 7.03 88,568 6.67 183,704 9.99 92,207 6.94 55,387 3.01 52,261 3.93 31,230 1.70 20,279 1.53 19,485 1.06 20,560 1.55 13,163 0.72 13,977 1.05 8,213 0.45 8,200 0.62 22,853 1.24 10,164 0.77 11,192 0.61 13,057 0.98 1,426,804 77.57 1,053,799 79.32 198,695 10.80 124,555 9.37 27,573 1.50 23,873 1.80 21,482 1.17 16,883 1.27 4,894 0.27 4,271 0.32 30,693 1.67 20,453 1.54 27,301 1.48 15,023 1.13 310,638 16.89 205,058 15.43 101,872 5.54 69,733 5.25 1,839,314 100.00 1,328,590 100.00 034
14,268.04 3,730.0535.40% 65.49% 3,106.38 1,055.80 51.49%1.46 16.89% 15%10% 20091231 % A 6,108 0.33 B 5,433 0.30 C 5,000 0.27 D 5,000 0.27 E 4,900 0.27 F 4,680 0.25 G 4,518 0.25 H 4,500 0.24 I 4,470 0.24 J 4,335 0.24 48,944 2.66 035
32.45%22.88% 8.54% 1.36%0.56 151.05%34.22 90 20091231 20081231 25,009 25,520 90 21,190 20,979 % 1.36 1.92 10 1 589.19%8.656 7 4.42%9.228 10 1.54%0.58 (2) 2008 7,757.61 1,526.9024.51%3.37% 036
20091231 20081231 % % 26,884 3.47 22,280 3.58 107,604 13.87 90,903 14.59 132,094 17.03 142,010 22.79 509,179 65.63 367,878 59.04 775,761 100.00 623,071 100.00 20091231 20081231 % % 301,136 38.82 294,356 47.24 11,643 1.50 8,764 1.41 250,860 32.34 225,966 36.27 212,122 27.34 93,985 15.08 775,761 100.00 623,071 100.00 037
2. 31,447.126,120.63 24.17%5,062.40 75.43%1.76 837.1920.77%1.71 23,720.555,062.4027.13% 65.72%2.47 33.99%2.2249.70% 1.3350.00%1.09 20091231 20081231 1,558,842 1,180,207 865,097 655,101 693,745 525,106 806,190 675,564 313,835 247,428 492,355 428,136 038
1. 2009 2008 1 1 4,372 12,252 3,917 11,142 501 3,238 971 3,870 2 11,002 29,745 11,029 29,253 4,035 14,465 5,746 14,315 1,789 6,071 1,804 5,752 1,572 3,549 93 2,155 6,983 12,258 5,061 10,789 3 30,254 81,578 28,621 77,276 1. 2. 3. 2009 2009 1,572 6,983 3,549 12,258 1,789 4,372 6,071 12,252 4,035 501 11,002 14,465 3,283 29,745 039
2. 20091231 20081231 446,405 332,812 353,576 257,720 175,077 90,882 152,496 73,961 920,550 750,489 712,409 530,674 482,137 360,322 384,419 252,763 222,223 172,251 174,069 111,579 93,918 100,761 86,930 73,844 31,745 31,797 1,916 28,049 2,372,055 1,839,314 1,865,815 1,328,590 3. 73.11% 2009 2008 2009 77,377 75,833 28,003 20,302 18,915 6,525 33,173 33,932 7,086 2,816 1,124 (3,313) 133,668 129,804 38,301 040
1. 2009 1. 22,280 (160) 26,884 2. 4,656 (2,286) 2,370 3. 142,010 1,394 149 132,094 168,946 (2,446) 1,394 149 161,348 109 18 124 169,055 (2,428) 1,394 149 161,472 (10,013) 2,762 (9,375) 041
2. 2009 1. 3,765 296 10,042 2. 2,420 (1,262) 1,158 3. 1 203,838 (436) 232,079 4. 28,223 358 142 35,587 5. 1,634 5 2,730 239,880 (966) 358 (289) 281,596 2 (217,675) 826 (249,263) 1. 2. 20092009 2011 042
1. 2. (1) 1 101 56 78 10 043
(2) 2009 2009 2009 2009 044
(3) 2009 20091231 20081231 20071231 % % % 1,764,060 95.91 1,248,988 94.00 1,025,620 92.86 50,245 2.73 54,142 4.08 56,135 5.08 1,814,305 98.64 1,303,130 98.08 1,081,755 97.94 10,756 0.59 12,087 0.91 12,443 1.13 11,490 0.62 11,086 0.84 8,943 0.81 2,763 0.15 2,287 0.17 1,349 0.12 25,009 1.36 25,460 1.92 22,735 2.06 1,839,314 100.00 1,328,590 100.00 1,104,490 100.00 2009 % 2009 2008 2007 1.96 2.32 1.72 24.22 21.72 13.67 36.46 43.86 23.71 5.46 9.04 5.44 3. 2009 045
2009 % 2009 1231 2008 1231 2007 1231 28.02 39.72 27.20 72.59 65.29 64.93 2009 1 1 3 3 1 1 5 5 22,830 467,032 228,315 294,595 886,600 1,094,587 716,952 3,710,911 (1,448,825) (457,241) (360,359) (586,846) (288,890) (39,573) (3,181,734) 22,830 (981,793) (228,926) (65,764) 299,754 805,697 677,379 529,177 4. 2009 (1) 2009 046
2009 (2) 2009 (3) (4) 2009 1 1 3 3 1 1 5 5 1,201,396 352,922 1,122,869 366,372 172,083 93,495 3,309,137 (1,876,228) (358,003) (564,965) (240,689) (33,810) (71,017) (3,144,712) (674,832) (5,081) 557,904 125,683 138,273 22,478 164,425 047
100 2009 1231 2008 1231 2009 1231 2008 1231 100 5,387 5,175 (1,951) (1,727) 100 (5,387) (5,175) 2,055 1,846 2009 3,026,303 172,605 79,279 30,950 3,309,137 (2,894,682) (139,736) (79,599) (30,695) (3,144,712) 131,621 32,869 (320) 255 164,425 5% 2009 1231 2008 1231 2009 1231 2008 1231 5% (747) (885) (496) (196) 5% 747 885 496 196 048
5. 2009 2009 2009 2009 6. 2009 049
65% 85% 100% 100% 100% 61% 1. 200582 65%30%5% 2015 515 923.9291%2008 129 3.6232.12% 2. 20071012 85%15% 2009173451 2.4321%503 53%157409 050
138 302 395.316,870 3. 200712202009 58101.69 200912 9.1%1.55384.38% 4. 20075 20 2009811 5 IPO 14,569 5. 20001142009 9,5659.87%5,548 6. 200886,00061% 2009 18,336176.10% 58.57 051
2009 20091 20091,500 1,600 200976 15 052
2010 2010 2010 2010 053
054
2009 12 31 435,773 A389,700 H 46,073 200911 (+, ) 20091231 % % 1 9,974,982,648 20.36 9,974,982,648 20.36 2 3 4 1 15,954,932,919 32.57 15,954,932,919 32.57 2 3 23,064,468,136 47.07 23,064,468,136 47.07 4 48,994,383,703 100.00 48,994,383,703 100.00 10 200912311 9,974,982,648 2010516 9,974,982,648 36 055
1010 1. 10 (%) 1 26.48 12,974,982,648 9,974,982,648 2 21.91 10,733,072,016 3 18.60 9,115,002,580 2.01 985,447,500 0.92 451,445,193 0.77 378,328,046 0.71 346,787,979 0.62 304,320,800 0.48 233,151,118 0.40 198,041,710 1. 2. 20091231 H20091231 H5,555,555,55611.34% 3. H20091231 H9,115,002,580HSBC Holdings plc200912 31H9,312,013,580H69,470,681 H9,381,484,26119.15% XV23 056
2. 10 (%) 10,733,072,016 21.91 H 9,115,002,580 18.60 H 3,000,000,000 6.12 H 985,447,500 2.01 A 451,445,193 0.92 A 378,328,046 0.77 A 346,787,979 0.71 A 304,320,800 0.62 A 233,151,118 0.48 A 198,041,710 0.40 A 5% 1. 3 2009 12 31 12,974,982,648 26.48% 2. 1 20091231 H 9,381,484,26119.15% 3. 11 20091231H5,555,555,556 11.34% 057
XV23 20091231336 A 1 A % % 9,974,982,648 38.47 20.36 H 1 H % % 5,555,555,556 24.09 11.34 3,000,000,000 13.01 6.12 9,312,013,580 40.37 19.01 2 69,470,681 0.30 0.14 9,381,484,261 40.67 19.15 HSBC Finance (Netherlands) 3 9,381,484,261 40.67 19.15 HSBC Bank plc 4 309,481 0.0013 0.0006 HSBC Holdings plc 5 9,381,793,742 40.67 19.15 1. 2. 62.14% H H 69,470,681H69,470,681HHang Seng Bank (Bahamas) Limited7,139,564HHang Seng Bank Trustee International Limited 61,532,838HHang Seng Bank (Trustee) Limited798,279H Hang Seng Bank (Bahamas) LimitedHang Seng Bank Trustee (Bahamas) Limited 7,139,564H 058
3. HSBC Asia Holdings BVHSBC Asia Holdings BVHSBC Asia Holdings (UK)HSBC Asia Holdings (UK)HSBC Holdings BVHSBC Holdings BVHSBC Finance (Netherlands) HSBC Asia Holdings BVHSBC Asia Holdings (UK)HSBC Holdings BV HSBC Finance (Netherlands) 9,381,484,261H 4. HSBC Financial Products (France) 309,481HHSBC Financial Products (France) 58.25%HSBC France41.75%HSBC FranceHSBC Securities (France) SA HSBC FranceHSBC Bank plc HSBC Securities (France) SAHSBC FranceHSBC Bank plchsbc Financial Products (France)309,481H 5. HSBC Holdings plchsbc Finance (Netherlands)HSBC Bank plc234 HSBC Holdings plc9,381,484,261hhsbc Bank plc309,481 H 20091231336 XV23 059
5420089 200792008920037 2007920006 20037 1997320006 199920089 53200912 19867200912 1997 200912 060
4819941 200492001920049 19942001 1986 20058 482004102004 10 20057200611 1998 20078 562003120049 1998720031 19901019987 1989 2004920077 2007820098 20099 5219781220049 1998 20049 061
581995320087 1989919953 1979819898 198620088 58 20054 20101 20054 19761979 20058 60 200122004 919912001 1982 20066 442005 1988820033 20033 2007 20088 062
4020056 2005120056 20031020051 19986200310 2000 20088 40 20069200811 20062200692005102006 22002720058 1999720027 199720078 6620086 199820049 (Ian Ramsay Wilson)69 199819941998 19921994 19901992 20049 063
(Thomas Joseph Manning)54 Indachin Ltd. Next Horizon Ltd. Bain & Company 1979 20049 72 1962 20054 56 20071 6620075 2000720074 1994620006 19682007 8 064
57200761998 12200762002620076 2004820076 199451998121996 20078 44200911 20031200911 2000920031 2002 20078 5520031 1993920031 198020078 63200810200911 20069200811 2002520089 2000920079 1969 20078 065
4320069 2005120069 20001220051 1989 20078 4320083 2002320083 2000520023 2003 2008 20088 74 19976200571998120031 19981120013199611 19981019877199611 19592007 8 692000620058 2000620038 2003820058 1995820006199781999 21966 20078 066
5420041120059 2005320058 20038200410 2000820037 1979 200411 4920041120053 200411 200382004 102000 520037 2009 EMBA 200411 41199211200712 20081 20067200712200112006 72004220062 2009 20087 067
5120001 19931220001 2005 5219932 2004819991220048 19932199912 2006 5319921 2005520071219986 200552002120043 19961119986 199511199611 19921199511 2006 068
6320054 2003120054 1988620031 5020024 2002112004820024200211 19981120024 2003 5319895 200392007919895 20039 1998 3920098 1997720097 1997 2003 069
1 20091229 2 2009819 1 2009123179,1221,3881.79% 3,372 614 0.78% 16,680 21.08%20,59126.02% 343037,17746.99%3040 25,81532.63%405011,90815.05%504,222 5.33% 3,7134.69%40,94451.75% 26,21533.13%8,25010.43% 2 3 070
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2 6070 1 13 072
75,000 0 75,000 20091231 XV XV 352 20097 25015 101513510115 100 30 073
13 20091231 52% 5% 2008616 14A.33(3) 14A.65(4) 14A.34 074
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2009 1. 2009 2009 2009 2. 3. 077
4. 7 5. 6. 2009 2009 2009316184288191028 3 2200813 1. 2008 20082 078
2. 20082008 2008200920092009 20097 20092008 2008 1 12009 42009 (%) 3/4 75 4/4 100 4/4 100 3/4 75 3/4 75 4/4 100 3/4 75 3/4 75 4/4 100 4/4 100 4/4 100 88.64 079
1. 2. 250 3. 7,650 51% 4. 5. 2009 6. 7. 4 2427 8. 2009 080
9. 2009 10. 081
082 20091231
20091231489.94AH259.30230.64 58.98%26.48%19.15% 200958 2008 1. 2009 2013 2009 2011 083
2. 184 8 6 1/32009 20091229 3. 95 444 2009120 2620093 17 182009428 2009623 30 2009819200997 15 20091028 20091210 21 20091229 084
(%) 9/9 100 8/8 100 9/9 100 9/9 100 9/9 100 9/9 100 9/9 100 9/9 100 9/9 100 8/8 100 9/9 100 9/9 100 9/9 100 9/9 100 9/9 100 9/9 100 9/9 100 9/9 100 100 20091229 20091229 085
4. (1) 5 (%) 6/6 100 6/6 100 6/6 100 6/6 100 6/6 100 100 2009122920091229 (2) 5 1/2 086
5 (%) 5/5 100 5/5 100 5/5 100 5/5 100 5/5 100 100 (3) 4 4 (%) 4/4 100 4/4 100 4/4 100 4/4 100 100 087
(4) 4 4 (%) 4/4 100 4/4 100 4/4 100 4/4 100 100 (5) 5 (%) 1/1 100 1/1 100 1/1 100 1/1 100 1/1 100 100 2009122920091229 088
5. 200952008 6 3.10(1)(2) 100%88.9% 6. 20091231 105 7. 20091231 089
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1. IT (CMIS) 2008 793472 091
2. 2009 312 3. 092
7 8 4. 7 2009 5. 093
243,146 5,74920 (1) (2) (3) (FTP) (4) (5) IT 094
(6) 2009 20091231 2009 5,050 095
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2009 50050 2009 45735.06 097
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60 401.3 175 50 40 2009113267 5100 4 099
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40 1. 2. 3. 2009123113.79 1. AA 362010515A 2. 2004818 A 1 101
1. % 600068 135,080,299.07 1.42 385,259,000.00 92,043,124.11 90,305,411.93 000979 *ST 12,494,400.00 8.84 172,948,800.00 120,888,800.00 03377 140,254,526.78 0.36 129,199,552.86 751,410.66 65,418,594.21 00388 2,279,929.83 0.07 95,122,656.80 4,114,631.92 43,044,201.86 00916 51,456,089.38 0.23 56,134,121.92 2,327,257.90 2,350,774.64 00658 34,721,568.78 0.22 46,595,001.60 616,336.00 11,873,432.82 000691 *ST 4,343,750.00 2.15 40,101,500.00 2,193,805.92 26,035,500.00 00939 35,278,788.92 35,984,425.17 705,636.25 600774 4,903,274.93 2.35 32,390,000.00 19,589,382.21 14,674,616.53 00082 17,139,741.50 0.70 25,076,070.40 7,936,328.90 290,520,270.32 273,724,686.74 15,316,326.65 (21,624,696.58) 728,472,639.51 1,292,535,815.49 145,594,240.52 352,966,635.41 1 2 102
2. % 380,000,000.00 57,560,225 10.00 380,000,000.00 13,670,553.44 146,250,000.00 112,500,000 3.90 146,250,000.00 3,825,000.00 526,250,000.00 170,060,225 526,250,000.00 17,495,553.44 3. 23,033,919 61,161,867 84,195,786 280,007,456.97 213,353,242 72,010,742 141,342,500 693,042,818.30 103
104
107243 20091231 105
20091231 2010330 106
1231 2009 2008 116,743 117,106 (50,075) (51,244) 4 66,668 65,862 5 13,414 10,121 6 (2,015) (1,284) 11,399 8,837 7 65 83 8 1,335 1,557 21 791 226 9 1,320 711 10 (11,255) (10,690) 11 (32,022) (30,633) 38,301 35,953 14 (8,047) (7,332) 30,254 28,621 (3) (795) 645 (902) 497 105 (533) 37 (1,595) 609 28,659 29,230 30,118 28,524 136 97 28,480 29,181 179 49 15 0.61 0.58 33 4,899 4,899 33 4,899 4,899 113243 107
20091231 20081231 200811 16 434,996 362,180 261,433 17 222,671 331,511 156,110 18 29,254 26,936 19,340 20 1,801,538 1,298,776 1,082,788 21 107,604 90,903 66,693 21 132,094 142,010 146,454 21 509,179 367,878 326,953 22 29,878 28,396 25,368 28 5,821 4,135 3,792 23 36,102 25,524 16,593 3,309,137 2,678,249 2,105,524 24 653,172 569,453 332,556 25 9,375 10,013 10,028 26 2,372,055 1,865,815 1,555,599 27 53,349 43,199 35,564 3,726 4,165 5,872 28 35 4 253 30 53,000 40,000 37,000 3,144,712 2,532,649 1,976,872 31 48,994 48,994 48,994 31 44,404 44,407 44,407 44,404 27,471 14,372 26,046 24,295 20,461 163,848 145,167 128,234 577 433 418 164,425 145,600 128,652 3,309,137 2,678,249 2,105,524 2010330 113243 108
2009 1231 2008 1231 2008 11 16 434,989 362,159 259,007 17 221,113 330,861 154,976 18 28,627 26,735 19,323 20 1,801,996 1,299,365 1,082,060 21 107,419 90,467 66,693 21 131,168 141,601 145,045 21 509,020 367,799 326,953 39 5,660 4,782 4,645 22 29,295 27,793 24,713 28 5,864 4,176 3,820 23 19,757 17,104 14,349 3,294,908 2,672,842 2,101,584 24 642,614 565,685 332,556 25 9,375 10,015 10,028 26 2,372,759 1,866,566 1,555,599 27 50,272 41,053 32,230 3,592 4,130 5,811 28 9 4 147 30 53,000 40,000 37,000 3,131,621 2,527,453 1,973,371 31 48,994 48,994 48,994 31 44,404 44,407 44,407 44,199 27,526 14,007 25,690 24,462 20,805 163,287 145,389 128,213 3,294,908 2,672,842 2,101,584 113243 109
31 31 32 32 32 31, 32 200811 48,994 43,100 2,170 576 10,636 1,551 6,105 (616) 20,387 418 133,321 2.2 1,307 (6,105) 55 74 (4,669) 200811 48,994 44,407 2,170 576 10,636 1,551 (561) 20,461 418 128,652 28,524 97 28,621 698 (58) 640 487 10 497 (533) (533) 5 5 1,190 (533) 28,524 49 29,230 23 23 (12,248) (57) (12,305) 1,993 8,511 1,938 (12,442) 20081231 48,994 44,407 4,163 9,087 12,574 2,741 (1,094) 24,295 433 145,600 200911 48,994 43,100 4,163 9,087 12,574 2,741 6,090 (1,212) 24,125 433 150,095 2.2 1,307 (6,090) 118 170 (4,495) 200911 48,994 44,407 4,163 9,087 12,574 2,741 (1,094) 24,295 433 145,600 30,118 136 30,254 (838) 43 (795) (902) (902) 105 105 (3) (3) (3) (1,740) 105 30,118 179 28,659 (9,799) (35) (9,834) 5,786 6,900 5,882 (18,568) 20091231 48,994 44,404 9,949 15,987 18,456 1,001 (989) 26,046 577 164,425 113243 110
1231 2009 2008 38,301 35,953 10,735 10,190 (3) (25) 55 (67) (157) 1,090 2,880 2,507 430 15 31 6 230 228 (23,320) (22,430) (791) (226) (86) (47) (18) 19 2,011 1,724 45 10 (82,348) (52,035) 61,141 (94,420) (2,318) (7,596) (513,497) (226,178) (9,575) (6,391) 83,719 236,897 (638) (15) 506,240 310,216 10,109 8,537 159 199 (9,588) (9,951) 73,747 188,210 111
1231 2009 2008 (676,695) (358,688) 527,309 298,726 21,988 20,380 (579) (75) (112) (185) 178 (4,679) (6,983) 403 1,026 (132,187) (45,799) 25,000 3,000 (45) (10) (1,960) (1,666) (9,862) (13,407) (12,000) 23 (35) (57) 1,098 (12,117) 108 (626) (57,234) 129,668 225,732 96,064 38 168,498 225,732 114,846 114,053 (47,178) (40,011) 113243 112
1 (1986)81(1987)40198741 113 2 2.1 a) 113
2 2.1 b) c) 28 d) 39 39 e) 39 2009 7 200911 8 200911 1 200911 13 200871 114
2 2.1 7 7 8 814 8 1 1200811 820091231 13 115
2 2.1 200911 200911 2 23 200971 32 200971 1 16 2008101 20111124 200924 24 24 24 201111 116
2 2.1 2009 1 200971 27 3 200971 27 200971 39 200971 17 200971 18 200971 19 201071 32 201021 9 201311 920091139 9201311 117
2 2.1 9 2.2 H A AH 2009 2008123120071231 2009 2008 (6,883) (6,831) 1,442 1,268 743 643 (203) (251) 1,307 1,307 (5,972) (6,050) 170 74 2009 2008 257 234 (64) (103) 193 131 193 174 118
2 2.3 2.4 39 119
2 2.5 a) b) (i) (ii) (iii) c) 120
2 2.5 d) 2.6 a) 121
2 2.6 a) 312 122
2 2.6 a) b) 2.7 a) 123
2 2.7 b) 2.8 2.9 2.10 2.11 124
2 2.12 25 50 3% 1.94% 3.88% 3 11 3% 8.82% 32.33% 4 8 3% 12.13% 24.25% 5 10 10% 20% 2.13 2.14 3070 125
2 2.15 2.16 2.17 2.18 a) 126
2 2.18 b) 2.19 90 2.20 2.21 127
2 2.22 a) b) 2.23 2.24 a) 20081231 200911 b) 128
2 2.25 a) b) c) 2.26 2.27 129
2 2.27 2.28 2.29 (1) (2) (3) 2.30 3 130
3 3.1 3.1.1 (a) (i) (ii) (iii) 39 131
3 3.1 3.1.1 (a) (i) 10 10 10 1 2 3 4 5 6 7 8 9 10 132
3 3.1 3.1.1 (a) (i) 1~56~7 8~10 (ii) (b) (c) 3.1.2 133
3 3.1 3.1.2 (a) 90% 90% 90% 60% 60% 70% 70% 50% 134
3 3.1 3.1.2 (b) (c) 3.1.3 3.1.1 2(2.6) 39 135
3 3.1 3.1.3 3.1.4 1231 2009 2008 423,199 350,671 222,671 331,511 28,790 26,926 1,495,864 1,097,191 305,674 201,585 107,604 90,903 129,777 140,166 509,179 367,878 32,449 21,935 3,255,207 2,628,766 448,680 374,381 164,704 102,501 613,384 476,882 136
3 3.1 3.1.4 1231 2009 2008 423,193 350,651 221,113 330,861 28,627 26,735 1,497,595 1,097,959 304,401 201,406 107,419 90,467 129,777 140,161 509,020 367,799 16,316 14,005 3,237,461 2,620,044 448,680 374,381 164,704 102,501 613,384 476,882 2009123120081231 62%200857% 137
3 3.1 3.1.4 94%1~5200891% 98%200897% 1.36% 3.1.5 20091231 20081231 1,807,689 222,658 1,293,318 331,498 6,616 13 9,752 13 25,009 25,520 213 1,839,314 222,671 1,328,590 331,724 (22,778) (13,431) (14,998) (16,383) (213) 1,801,538 222,671 1,298,776 331,511 138
3 3.1 3.1.5 20091231 20081231 1,808,146 221,100 1,293,907 330,848 6,616 13 9,752 13 25,009 25,520 213 1,839,771 221,113 1,329,179 331,074 (22,777) (13,431) (14,998) (16,383) (213) 1,801,996 221,113 1,299,365 330,861 377.762008298.14149.98 2008163.83227.782008134.31 20 200938% (a) 10 139
3 3.1 3.1.5 (a) 20091231 1 5 6 7 8 10 1,286,269 56,799 744 1,343,812 158,053 1,897 375 160,325 1,444,322 58,696 1,119 1,504,137 195,558 28,508 79,486 303,552 20091231 1 5 6 7 8 10 1,287,999 56,799 744 1,345,542 158,053 1,897 375 160,325 1,446,052 58,696 1,119 1,505,867 194,285 28,508 79,486 302,279 140
3 3.1 3.1.5 (a) 20081231 1 5 6 7 8 10 929,692 67,647 978 998,317 96,712 1,577 35 98,324 1,026,404 69,224 1,013 1,096,641 119,753 23,947 52,977 196,677 20081231 1 5 6 7 8 10 930,460 67,647 978 999,085 96,712 1,577 35 98,324 1,027,172 69,224 1,013 1,097,409 119,753 23,947 52,798 196,498 141
3 3.1 3.1.5 (b) 20091231 30 3060 6090 90 311 235 61 2,063 2,670 4,955 1,240 398 250 391 2,279 4,759 744 170 914 394 132 83 144 753 1,573 2,689 935 394 2,598 6,616 11,287 13 13 16 20081231 30 3060 6090 90 663 861 170 2,595 4,289 3,127 1,607 820 374 488 3,289 6,261 664 216 880 625 238 115 316 1,294 2,974 3,559 2,135 659 3,399 9,752 12,362 13 13 16 142
3 3.1 3.1.5 (b) (c) 250.09 2008 255.20 20091231 20081231 21,869 22,602 3,140 2,918 25,009 25,520 7,372 6,791 20091231 2008 2.13 (d) 2009123133.96200853.15 20091231 20081231 3,396 5,315 143
3 3.1 3.1.5 (e) 20091231 20081231 % % 241,030 12 161,873 12 201,128 11 173,332 13 197,012 11 146,712 11 157,044 8 116,286 9 152,968 8 113,840 9 85,074 5 64,410 5 66,955 4 44,069 3 65,584 4 46,670 4 64,817 4 45,103 3 47,395 3 30,390 2 459,546 25 312,061 24 1,738,553 95 1,254,746 95 100,761 5 73,844 5 1,839,314 100 1,328,590 100 20091231 20081231 % % 241,030 12 161,873 12 201,128 11 173,332 13 197,012 11 146,712 11 157,044 8 116,286 9 152,968 8 113,840 9 85,074 5 64,410 5 66,845 4 44,066 3 65,504 4 46,670 4 64,817 4 45,003 3 47,395 3 30,390 2 459,546 25 312,061 24 1,738,363 95 1,254,643 95 101,408 5 74,536 5 1,839,771 100 1,329,179 100 3% 144
3 3.1 3.1.5 (f) 20091231 20081231 % % 73,062 4 60,331 5 23,992 1 23,680 2 40,109 2 33,766 2 76,532 4 67,141 5 24,163 1 22,102 2 140,836 8 114,481 9 226,757 12 148,935 10 183,704 10 92,207 7 145,278 8 108,559 8 129,325 7 88,568 6 119,824 7 105,541 8 81,699 4 49,990 4 55,387 3 52,261 4 31,230 2 20,279 2 22,853 1 10,164 1 19,485 1 20,560 2 13,163 1 13,977 1 8,213 8,200 1 11,192 1 13,057 1 1,426,804 77 1,053,799 80 198,695 11 124,555 9 30,693 2 20,453 2 27,573 2 23,873 2 21,482 1 16,883 1 4,894 4,271 27,301 1 15,023 1 310,638 17 205,058 15 101,872 6 69,733 5 1,839,314 100 1,328,590 100 145
3 3.1 3.1.5 (f) 20091231 20081231 % % 73,062 4 60,331 5 23,992 1 23,680 2 40,109 2 33,766 2 76,523 4 67,141 5 24,163 1 22,102 2 140,805 8 114,477 9 226,757 12 148,935 10 183,704 10 92,207 7 144,992 8 108,559 8 130,035 7 89,179 6 119,824 7 105,541 8 81,668 4 49,990 4 55,296 3 52,261 4 31,230 2 20,279 2 24,186 1 10,164 1 19,485 1 20,560 2 13,163 1 13,977 1 8,213 8,200 1 11,327 1 13,218 1 1,428,534 77 1,054,567 80 197,422 11 124,555 9 30,693 2 20,453 2 27,573 2 23,873 2 21,482 1 16,883 1 4,894 4,271 27,301 1 14,844 1 309,365 17 204,879 15 101,872 6 69,733 5 1,839,771 100 1,329,179 100 146
3 3.1 3.1.5 (g) 20091231 20081231 502,787 338,387 8,768 7,459 79,766 56,782 461,671 337,754 130,738 117,741 135,537 124,496 22,548 13,498 1,341,815 996,117 294,866 190,904 1,636,681 1,187,021 84,989 57,682 15,772 14,154 100,761 71,836 101,872 69,733 1,839,314 1,328,590 147
3 3.1 3.1.5 (g) 20091231 20081231 502,787 338,387 8,768 7,459 79,766 56,782 461,496 337,651 130,738 117,741 135,537 124,496 22,548 13,498 1,341,640 996,014 294,851 190,904 1,636,491 1,186,918 86,894 58,553 14,514 13,975 101,408 72,528 101,872 69,733 1,839,771 1,329,179 148
3 3.1 3.1.6 2009123120081231 2009 AAA 25 52,886 109,731 7,086 169,728 AA-AA+ 400 4,493 11,672 693 17,258 A-A+ 458 1 459 BBB-BBB+ 20 2 22 (a) 106,734 37,156 384,568 8,860 537,318 107,159 94,535 506,449 16,642 724,785 AAA 11,048 814 3,482 15,344 AA-AA+ 4,937 180 1,044 6,161 A-A+ 9,581 369 3,998 13,948 BBB-BBB+ 210 36 202 448 (a) 445 9,466 1,331 1,052 12,294 445 35,242 2,730 9,778 48,195 107,604 129,777 509,179 26,420 772,980 149
3 3.1 3.1.6 2009 AAA 25 52,886 109,691 7,086 169,688 AA-AA+ 400 4,493 11,672 693 17,258 A-A+ 459 1 460 BBB-BBB+ 20 2 22 (a) 106,549 37,339 384,566 8,860 537,314 106,974 94,718 506,408 16,642 724,742 AAA 11,048 814 3,482 15,344 AA-AA+ 4,937 164 998 6,099 A-A+ 9,581 320 3,981 13,882 BBB-BBB+ 210 202 412 (a) 445 9,283 1,314 952 11,994 445 35,059 2,612 9,615 47,731 107,419 129,777 509,020 26,257 772,473 150
3 3.1 3.1.6 2008 AAA 25 34,734 39,783 10,847 85,389 AA-AA+ 400 112 5,707 55 6,274 A-A+ 384 325 2 711 BBB-BBB+ 20 20 45 85 (a) 90,341 76,960 320,409 7,561 495,271 90,766 112,210 366,244 18,510 587,730 AAA 137 6,378 111 643 7,269 AA-AA+ 7,409 147 320 7,876 A-A+ 13,145 1,273 2,008 16,426 BBB-BBB+ 408 7 331 746 (a) 616 96 458 1,170 137 27,956 1,634 3,760 33,487 90,903 140,166 367,878 22,270 621,217 151
3 3.1 3.1.6 2008 AAA 25 34,734 39,783 10,847 85,389 AA-AA+ 400 112 5,707 55 6,274 A-A+ 384 325 2 711 BBB-BBB+ 20 20 45 85 (a) 89,905 76,928 320,409 7,561 494,803 90,330 112,178 366,244 18,510 587,262 AAA 137 6,378 111 643 7,269 AA-AA+ 7,409 147 320 7,876 A-A+ 13,145 1,263 2,008 16,416 BBB-BBB+ 408 331 739 (a) 643 34 267 944 137 27,983 1,555 3,569 33,244 90,467 140,161 367,799 22,079 620,506 (a) 2009123120080.99 2009123112.74200823.17 12.74200815.01 3.1.7 20091231 20081231 24 6 455 317 232 58 711 381 152
3 3.1 3.1.8 20091231 396,755 19,671 6,773 423,199 202,250 15,362 5,059 222,671 18,299 9,599 892 28,790 1,701,863 64,196 35,479 1,801,538 107,604 107,604 110,242 11,212 8,323 129,777 506,654 447 2,078 509,179 30,832 1,451 166 32,449 3,074,499 121,938 58,770 3,255,207 20091231 385,219 31,201 6,773 423,193 202,052 14,002 5,059 221,113 18,279 9,456 892 28,627 1,701,674 64,843 35,479 1,801,996 107,419 107,419 110,243 11,211 8,323 129,777 506,614 328 2,078 509,020 15,319 831 166 16,316 3,046,819 131,872 58,770 3,237,461 153
3 3.1 3.1.8 20081231 350,506 146 19 350,671 293,975 28,914 8,622 331,511 22,357 3,370 1,199 26,926 1,225,993 56,460 16,323 1,298,776 90,903 90,903 122,350 12,982 4,834 140,166 366,541 79 1,258 367,878 20,263 1,399 273 21,935 2,492,888 103,350 32,528 2,628,766 20081231 339,277 11,355 19 350,651 293,820 28,419 8,622 330,861 22,350 3,186 1,199 26,735 1,225,890 57,152 16,323 1,299,365 90,467 90,467 122,346 12,981 4,834 140,161 366,541 1,258 367,799 12,218 1,514 273 14,005 2,472,909 114,607 32,528 2,620,044 154
3 3.2 3.2.1 3.2.2 100 100 20091231 20081231 100 5,387 5,175 100 (5,387) (5,175) 100 20091231 20081231 100 (1,951) (1,727) 100 2,055 1,846 155
3 3.2 3.2.2 5% 5% 2009 2008 5% (747) (885) 5% 747 885 5% 20091231 20081231 5% (496) (196) 5% 496 196 3.2.3 10% 156
3 3.2 3.2.3 20091231 403,527 31,469 434,996 126,424 27,095 69,139 13 222,671 827 2,836 3,535 16,210 3,012 2,834 29,254 627,070 259,547 841,820 53,392 19,709 1,801,538 10,575 19,512 64,940 10,502 2,075 107,604 7,495 19,076 42,745 43,586 16,875 2,317 132,094 17,663 23,509 94,913 242,682 130,412 509,179 7,815 1,347 5,777 56,862 71,801 1,201,396 352,922 1,122,869 366,372 172,083 93,495 3,309,137 (359,041) (100,001) (83,860) (107,870) (2,400) (653,172) (1,826) (3,552) (9) (1,081) (2,907) (9,375) (1,515,361) (254,450) (478,040) (111,049) (13,155) (2,372,055) (3,056) (20,689) (31,410) (54,955) (110,110) (1,876,228) (358,003) (564,965) (240,689) (33,810) (71,017) (3,144,712) (674,832) (5,081) 557,904 125,683 138,273 22,478 164,425 157
3 3.2 3.2.3 20091231 403,521 31,468 434,989 124,866 27,095 69,139 13 221,113 827 2,836 3,535 16,092 2,967 2,370 28,627 628,376 258,186 842,334 53,391 19,709 1,801,996 10,575 19,512 64,871 10,386 2,075 107,419 7,495 19,076 42,745 43,586 16,875 1,391 131,168 17,663 23,507 94,869 242,609 130,372 509,020 5,660 5,660 54,916 54,916 1,193,323 350,212 1,117,493 366,064 171,998 95,818 3,294,908 (358,575) (100,239) (73,530) (107,870) (2,400) (642,614) (1,826) (3,552) (9) (1,081) (2,907) (9,375) (1,515,948) (254,488) (478,045) (111,123) (13,155) (2,372,759) (3,056) (20,689) (31,410) (51,718) (106,873) (1,876,349) (358,279) (554,640) (240,763) (33,810) (67,780) (3,131,621) (683,026) (8,067) 562,853 125,301 138,188 28,038 163,287 158
3 3.2 3.2.3 20081231 350,671 11,509 362,180 257,234 38,937 34,827 500 13 331,511 1,194 2,777 9,644 6,670 1,985 4,666 26,936 592,895 154,941 506,161 29,236 15,543 1,298,776 625 9,659 34,542 45,116 961 90,903 11,104 30,575 44,575 39,576 14,336 1,844 142,010 10,756 14,664 75,665 148,980 117,813 367,878 5,913 929 767 50,446 58,055 1,230,392 251,553 706,343 270,845 150,638 68,478 2,678,249 (297,945) (43,131) (100,875) (117,436) (10,066) (569,453) (174) (3,066) (1,098) (5,675) (10,013) (1,143,065) (206,636) (408,649) (95,308) (503) (11,654) (1,865,815) (179) (13) (12,018) (12,253) (17,801) (45,104) (87,368) (1,441,363) (249,780) (524,608) (226,095) (28,370) (62,433) (2,532,649) (210,971) 1,773 181,735 44,750 122,268 6,045 145,600 159
3 3.2 3.2.3 20081231 350,671 11,488 362,159 256,890 38,937 34,521 500 13 330,861 1,003 2,777 9,644 6,670 1,985 4,656 26,735 592,895 154,941 506,750 29,236 15,543 1,299,365 625 9,659 34,542 44,680 961 90,467 11,104 30,575 44,575 39,571 14,336 1,440 141,601 10,756 14,664 75,665 148,901 117,813 367,799 4,782 4,782 45 49,028 49,073 1,223,989 251,553 705,697 269,558 150,638 71,407 2,672,842 (299,068) (42,481) (96,874) (117,196) (10,066) (565,685) (174) (3,066) (1,100) (5,675) (10,015) (1,143,765) (206,636) (408,649) (95,359) (503) (11,654) (1,866,566) (179) (13) (12,018) (12,253) (17,801) (42,923) (85,187) (1,443,186) (249,130) (520,607) (225,908) (28,370) (60,252) (2,527,453) (219,197) 2,423 185,090 43,650 122,268 11,155 145,389 160
3 3.2 3.2.4 20091231 403,469 7,075 20,341 4,111 434,996 185,675 22,120 6,206 8,670 222,671 18,054 7,667 576 2,957 29,254 1,640,191 103,635 47,981 9,731 1,801,538 107,159 334 22 89 107,604 96,507 28,650 2,386 4,551 132,094 506,449 2,452 278 509,179 68,799 672 1,767 563 71,801 3,026,303 172,605 79,279 30,950 3,309,137 (578,003) (53,653) (14,243) (7,273) (653,172) (1,158) (4,883) (2,839) (495) (9,375) (2,212,372) (77,331) (60,921) (21,431) (2,372,055) (103,149) (3,869) (1,596) (1,496) (110,110) (2,894,682) (139,736) (79,599) (30,695) (3,144,712) 131,621 32,869 (320) 255 164,425 461,016 101,339 22,480 28,549 613,384 161
3 3.2 3.2.4 20091231 403,462 7,075 20,341 4,111 434,989 185,477 22,113 4,860 8,663 221,113 17,854 7,504 312 2,957 28,627 1,640,002 103,635 48,628 9,731 1,801,996 106,974 334 22 89 107,419 96,085 28,650 1,882 4,551 131,168 506,408 2,334 278 509,020 3,386 2,274 5,660 53,124 672 557 563 54,916 3,012,772 172,317 78,876 30,943 3,294,908 (567,300) (53,653) (14,388) (7,273) (642,614) (1,158) (4,883) (2,839) (495) (9,375) (2,212,348) (77,405) (61,544) (21,462) (2,372,759) (100,597) (3,869) (911) (1,496) (106,873) (2,881,403) (139,810) (79,682) (30,726) (3,131,621) 131,369 32,507 (806) 217 163,287 461,016 101,339 22,480 28,549 613,384 162
3 3.2 3.2.4 20081231 357,043 3,906 715 516 362,180 246,293 58,354 11,342 15,522 331,511 20,751 4,493 417 1,275 26,936 1,187,772 61,781 44,353 4,870 1,298,776 90,766 137 90,903 113,787 19,013 3,166 6,044 142,010 366,244 1,256 100 278 367,878 54,052 1,031 2,606 366 58,055 2,436,708 149,971 62,699 28,871 2,678,249 (495,908) (62,888) (4,882) (5,775) (569,453) (3,094) (2,786) (3,357) (776) (10,013) (1,733,666) (57,155) (58,063) (16,931) (1,865,815) (81,766) (2,849) (1,591) (1,162) (87,368) (2,314,434) (125,678) (67,893) (24,644) (2,532,649) 122,274 24,293 (5,194) 4,227 145,600 352,750 82,167 17,149 24,816 476,882 163
3 3.2 3.2.4 20081231 357,022 3,906 715 516 362,159 246,135 58,354 10,850 15,522 330,861 20,744 4,493 223 1,275 26,735 1,187,669 61,665 45,161 4,870 1,299,365 90,330 137 90,467 113,599 19,013 2,945 6,044 141,601 366,244 1,183 94 278 367,799 3,430 1,352 4,782 46,120 1,031 1,556 366 49,073 2,431,293 149,782 62,896 28,871 2,672,842 (491,999) (62,888) (5,023) (5,775) (565,685) (3,094) (2,786) (3,359) (776) (10,015) (1,733,717) (57,155) (58,763) (16,931) (1,866,566) (79,840) (2,849) (1,336) (1,162) (85,187) (2,308,650) (125,678) (68,481) (24,644) (2,527,453) 122,643 24,104 (5,585) 4,227 145,389 352,750 82,167 17,149 24,816 476,882 164
3 3.3 3.3.1 75% 2009123115.5%2008123115.5% 5%200812315% 3.3.2 3.3.3 3.3.4 3.3.3 165
3 3.3 3.3.3 20091231 (275,199) (83,719) (101,389) (85,955) (118,757) (2,400) (667,419) (3) (6) (3,010) (3,521) (6,540) (1,157,321) (372,225) (257,751) (493,552) (138,206) (2,419,055) (49) (997) (3,966) (27,483) (34,182) (66,677) (16,305) (1,245) (216) (363) (923) (2,991) (22,043) (1,448,825) (457,241) (360,359) (586,846) (288,890) (39,573) (3,181,734) 435,175 435,175 28,416 98,106 27,230 69,781 13 223,546 479 1,258 3,736 20,280 4,503 30,256 109,363 226,624 619,595 652,772 502,940 21,756 2,133,050 10,548 19,895 66,716 12,668 2,562 112,389 2,537 4,403 45,838 69,991 25,380 148,149 5,539 14,128 77,073 328,472 179,976 605,188 3,441 1,743 1,057 3,861 10,404 1,591 1,061 23,158 467,032 228,315 294,595 886,600 1,094,587 716,952 22,830 3,710,911 166
3 3.3 3.3.3 20091231 (276,314) (82,539) (101,627) (75,625) (118,357) (2,400) (656,862) (3) (6) (3,010) (3,521) (6,540) (1,157,908) (372,225) (257,788) (493,556) (138,281) (2,419,758) (49) (997) (3,966) (27,483) (34,182) (66,677) (15,697) (30) (333) (273) (2,845) (19,178) (1,449,919) (454,816) (360,448) (576,490) (287,915) (39,427) (3,169,015) 435,168 435,168 26,860 98,103 27,230 69,781 13 221,987 479 1,258 3,736 20,161 3,994 29,628 110,667 225,260 620,094 652,764 502,940 21,756 2,133,481 10,548 19,895 66,646 12,552 2,562 112,203 2,537 4,403 45,838 69,991 24,455 147,224 5,539 14,126 77,028 328,399 179,937 605,029 3,440 121 102 135 1,048 4,846 465,468 227,994 292,274 883,123 1,083,867 714,023 22,817 3,689,566 167
3 3.3 3.3.3 20081231 (244,843) (53,585) (43,825) (106,953) (137,634) (11,028) (597,868) (188) (22) (3,122) (1,117) (4,449) (919,386) (236,388) (211,633) (421,108) (117,077) (613) (1,906,205) (49) (997) (12,848) (15,748) (18,643) (48,285) (11,555) (109) (254) (493) (1,802) (14,213) (1,175,784) (290,210) (256,586) (544,285) (272,069) (32,086) (2,571,020) 362,289 362,289 80,651 177,024 40,249 37,170 557 13 335,664 1,032 1,935 9,479 8,709 2,403 23,558 809 85,107 169,216 595,213 372,451 262,164 23,601 1,508,561 702 10,130 36,618 47,799 1,233 96,482 4,458 15,910 45,525 66,090 21,915 153,898 2,479 6,627 47,931 231,108 160,822 448,967 2,540 263 400 1,916 5,451 908 1,413 12,891 446,289 271,065 244,467 773,852 732,165 449,445 25,027 2,942,310 168
3 3.3 3.3.3 20081231 (245,967) (53,583) (43,175) (102,953) (137,394) (11,028) (594,100) (188) (22) (3,122) (1,119) (4,451) (920,085) (236,388) (211,633) (421,109) (117,128) (613) (1,906,956) (49) (997) (12,848) (15,748) (18,643) (48,285) (11,628) (109) (254) (493) (1,217) (13,701) (1,177,680) (290,208) (255,936) (540,286) (271,882) (31,501) (2,567,493) 362,268 362,268 80,425 176,906 40,249 36,864 557 13 335,014 831 1,935 9,479 8,709 2,403 23,357 809 85,107 169,216 595,802 372,451 262,164 23,601 1,509,150 702 10,130 36,618 47,363 1,233 96,046 4,458 15,910 45,525 66,085 21,511 153,489 2,479 6,627 47,931 231,028 160,822 448,887 1,320 43 67 1,413 2,843 444,822 270,526 244,134 772,219 726,193 448,133 25,027 2,931,054 169
3 3.3 3.3.3 3.3.4 (a) 20091231 2 4 84 90 29 73 260 631 398 1,391 31 77 344 631 398 1,481 (2) (3) (65) (70) (65) (79) (433) (678) (377) (1,632) (67) (82) (498) (678) (377) (1,702) 170
3 3.3 3.3.4 (a) 20081231 71 71 451 593 221 127 549 1,118 436 2,451 292 198 1,000 1,118 436 3,044 (55) (136) (227) (418) (225) (139) (578) (1,197) (566) (2,705) (280) (275) (805) (1,197) (566) (3,123) (b) 20091231 (149,347) (47,231) (123,732) (12,562) (406) (333,278) 149,509 47,217 123,419 12,431 406 332,982 20081231 (40,070) (24,233) (65,812) (15,085) (656) (145,856) 39,807 24,012 65,596 14,837 646 144,898 171
3 3.3 3.3.5 20091231 434,996 434,996 28,411 98,013 27,095 69,139 13 222,671 691 1,339 3,574 18,829 4,821 29,254 104,985 207,754 568,784 534,841 371,827 13,347 1,801,538 10,575 19,512 64,940 10,502 2,075 107,604 2,125 3,926 42,662 61,983 21,398 132,094 4,918 11,574 62,091 280,853 149,743 509,179 2,845 14,018 1,272 5,430 13,178 33,786 1,272 71,801 466,252 235,325 272,472 816,620 920,186 583,650 14,632 3,309,137 (275,051) (83,591) (100,000) (83,860) (108,270) (2,400) (653,172) (105) (191) (3,920) (4,315) (844) (9,375) (1,156,980) (369,548) (254,380) (479,933) (111,214) (2,372,055) (21,702) (176) (26,113) (7,683) (22,433) (32,003) (110,110) (1,453,733) (453,420) (380,684) (575,396) (246,232) (35,247) (3,144,712) (987,481) (218,095) (108,212) 241,224 673,954 548,403 14,632 164,425 172
3 3.3 3.3.5 20081231 362,180 362,180 80,614 176,620 38,937 34,827 500 13 331,511 1,614 2,332 10,515 9,170 3,305 26,936 797 88,802 145,404 554,908 305,592 187,485 15,788 1,298,776 625 9,659 34,542 45,116 961 90,903 4,306 15,536 43,165 59,204 19,799 142,010 2,054 4,551 36,244 191,948 133,081 367,878 9,513 11,929 316 2,359 4,527 29,181 230 58,055 453,104 285,950 216,735 716,560 616,057 373,812 16,031 2,678,249 (244,719) (53,225) (43,131) (100,875) (117,437) (10,066) (569,453) (931) (558) (4,529) (2,708) (1,287) (10,013) (919,140) (234,148) (206,153) (406,242) (99,629) (503) (1,865,815) (17,166) (1,261) (19,313) (18,274) (13,026) (18,328) (87,368) (1,181,025) (289,565) (269,155) (529,920) (232,800) (30,184) (2,532,649) (727,921) (3,615) (52,420) 186,640 383,257 343,628 16,031 145,600 173
3 3.3 3.3.6 20091231 1 15 5 138,956 25,520 228 164,704 267,747 3,576 271,323 1,086 2,738 1,118 4,942 394 394 408,183 31,834 1,346 441,363 20081231 1 15 5 95,564 6,187 750 102,501 216,036 3,427 219,463 1,014 2,454 972 4,440 30 327 357 312,644 12,395 1,722 326,761 20091231 1 15 5 138,956 25,520 228 164,704 267,747 3,576 271,323 1,074 2,731 1,118 4,923 393 393 408,170 31,827 1,346 441,343 20081231 1 15 5 95,564 6,187 750 102,501 216,036 3,427 219,463 998 2,435 972 4,405 28 327 355 312,626 12,376 1,723 326,724 174
3 3.4 (a) 20091231 20081231 222,671 222,671 331,511 331,755 1,801,538 1,802,244 1,298,776 1,299,429 107,604 107,823 90,903 93,219 509,179 510,464 367,878 387,302 (653,172) (655,403) (569,453) (572,342) (2,372,055) (2,374,416) (1,865,815) (1,869,061) (53,000) (50,790) (40,000) (40,454) 20091231 20081231 221,113 221,113 330,861 331,105 1,801,996 1,802,702 1,299,365 1,300,018 107,419 107,638 90,467 92,784 509,020 510,305 367,799 387,222 (642,614) (644,846) (565,685) (568,574) (2,372,759) (2,375,120) (1,866,566) (1,869,812) (53,000) (50,790) (40,000) (40,454) 175
3 3.4 (a) 176
3 3.4 (b) 7 177
3 3.4 (b) 20091231 895 25,525 26,420 464 464 1,384 986 2,370 1,359 26,909 986 29,254 16,633 112,916 228 129,777 1,670 9 638 2,317 18,303 112,925 866 132,094 19,662 139,834 1,852 161,348 (113) (6,355) (6,468) (1,908) (999) (2,907) (113) (8,263) (999) (9,375) (113) (8,263) (999) (9,375) 20091231 732 25,525 26,257 1,384 986 2,370 732 26,909 986 28,627 16,633 112,916 228 129,777 744 9 638 1,391 17,377 112,925 866 131,168 18,109 139,834 1,852 159,795 (113) (6,355) (6,468) (1,908) (999) (2,907) (113) (8,263) (999) (9,375) (113) (8,263) (999) (9,375) 178
3 3.4 (b) 20081231 16,908 5,362 22,270 10 10 1,421 1,353 1,882 4,656 18,339 6,715 1,882 26,936 87,691 51,933 542 140,166 1,034 8 802 1,844 88,725 51,941 1,344 142,010 107,064 58,656 3,226 168,946 (4,338) (4,338) (2,126) (1,627) (1,922) (5,675) (6,464) (1,627) (1,922) (10,013) (6,464) (1,627) (1,922) (10,013) 20081231 16,717 5,362 22,079 1,421 1,353 1,882 4,656 18,138 6,715 1,882 26,735 87,911 51,525 725 140,161 813 8 619 1,440 88,724 51,533 1,344 141,601 106,862 58,248 3,226 168,336 (4,340) (4,340) (2,126) (1,627) (1,922) (5,675) (6,466) (1,627) (1,922) (10,015) (6,466) (1,627) (1,922) (10,015) 179
3 3.4 (b) 200911 1,882 1,344 3,226 (1,922) (1,922) (376) (7) (383) 399 399 (54) (54) 4 117 121 (8) (8) (524) (534) (1,058) 532 532 20091231 986 866 1,852 (999) (999) 20091231 (364) (7) (371) 387 387 3.5 8% 4% 180
3 3.5 2009 1231 2008 1231 48,994 48,994 37,374 37,888 42,486 26,863 25,057 17,973 578 433 154,489 132,151 3,718 24,005 19,549 50,000 27,400 3,818 4,049 77,823 54,716 77,823 54,716 232,312 186,867 (200) (200) (727) (706) (422) (514) (4,530) (5,879) (1,420) 226,433 185,447 1,653,589 1,194,962 195,763 156,476 1,849,352 1,351,438 3,014 2,000 12.00% 13.47% 8.15% 9.54% 181
3 3.6 20091231 20081231 623,158 466,213 46,348 40,639 117,312 125,719 4 1231 2009 2008 5,501 4,985 4,895 6,907 83,027 82,784 23,320 22,430 116,743 117,106 (16,005) (13,541) (34,070) (37,703) (50,075) (51,244) 66,668 65,862 1231 2009 2008 6,346 3,634 16,974 18,796 545 555 182
5 1231 2009 2008 2,817 2,045 3,992 2,938 1,133 912 715 667 984 853 761 590 1,920 1,081 1,092 1,035 13,414 10,121 1231 2009 2008 119 84 715 667 6 1231 2009 2008 332 283 67 81 1,155 715 461 205 2,015 1,284 1231 2009 2008 67 81 183
7 1231 2009 2008 1 2 64 81 65 83 8 1231 2009 2008 1,105 1,205 230 352 1,335 1,557 9 1231 2009 2008 86 47 69 60 18 632 515 604 1,320 711 184
10 1231 2009 2008 17(b) (3) (25) 20(b) 9,318 5,855 1,962 4,890 11,280 10,745 (22) (30) 11,255 10,690 11 1231 2009 2008 12 12,457 11,762 6,663 6,206 5,147 4,923 22 2,880 2,507 1,394 1,245 345 302 230 228 141 370 115 (331) 23(c) 76 76 55 (67) 49 70 31 6 19 (a)21 (157) 1,090 2,596 2,227 32,022 30,633 185
11 (a) 1231 2009 2008 21 (3) 21 (5) 5 21 (149) 1,085 (157) 1,090 12 1231 2009 2008 8,721 8,468 29 1,119 908 616 534 2,001 1,852 12,457 11,762 186
13 (a) 1231 2009 2008 (1) 684 166 37 887 439 (1) 684 166 37 887 1,751 (1) 624 135 34 793 1,433 (1) 624 135 34 793 1,433 (1) 552 119 31 702 1,232 (1) 552 119 31 702 1,230 15 15 15 5 5 10 15 15 10 15 15 10 125 250 250 250 250 250 250 125 250 250 250 125 1,312 5 5 187
13 (a) 1231 2009 2008 (1) 684 166 37 887 1,751 100 100 15 15 20 15 15 5 15 15 20 15 15 10 20 20 5 (1) 467 96 20 583 1,268 (1) 460 85 26 571 1,244 (1) 416 69 26 511 485 10 337 130 6,497 1,256 313 8,196 15,365 (1) 2009 2009 200912 2920091229 188
13 (b) 1231 2009 2008 6 6 3 3 1 1 10 10 2009 2008 1,000,000 1,500,000 1 1,500,000 2,000,000 4 2 2,000,000 2,500,000 1 2 5 5 2009 (c) 20051118 2005623 H2.5755.8 102005623 189
13 (c) 2006113 2006113 H20061136.13272.4 102006113 2009 2009 1231 2008 1231 11 11 11 11 20091231 3,015 200812311,436 14 1231 2009 2008 8,756 8,285 300 11 93 (52) 9,149 8,244 28 (1,102) (912) 8,047 7,332 25% 190
14 200916.5%2008 16.5%2009 25%200825% 1231 2009 2008 38,301 35,953 25%200825% 9,575 8,988 5 10 (a) (1,725) (1,783) (b) 192 118 (1) 8,047 7,332 (a) (b) 15 1231 2009 2008 30,118 28,524 48,994 48,994 0.61 0.58 191
16 2009 1231 2008 1231 11,797 11,509 88,664 98,484 38(b) 100,461 109,993 334,535 252,187 434,996 362,180 2009 1231 2008 1231 11,796 11,508 88,663 98,465 100,459 109,973 334,530 252,186 434,989 362,159 2009 1231 2008 1231 15.5% 15.5% 5% 5% 192
17 (a) 2009 1231 2008 1231 38(b) 68,037 115,739 49,352 96,816 61,985 29,417 29,747 80,193 13,550 9,559 43,297 89,752 (213) 43,297 89,539 222,671 331,511 2009 1231 2008 1231 66,479 115,202 49,352 96,703 61,985 29,417 29,747 80,193 13,550 9,559 43,297 89,752 (213) 43,297 89,539 221,113 330,861 193
17 (b) 2009 1231 2008 1231 213 314 10 (3) (25) (197) (13) (76) 213 (c) 2009 1231 2008 1231 213 0.06% 18 2009 1231 2008 1231 19 2,370 4,656 805 1,332 442 1,345 3,882 2,401 788 4,643 795 7,003 11,130 861 282 8,030 4,951 264 200 10 29,254 26,936 2009123120081,872 194
18 2009 1231 2008 1231 19 2,370 4,656 805 1,332 442 1,345 3,882 2,273 788 4,643 604 7,003 11,130 861 282 7,995 4,951 28,627 26,735 2009 1231 2008 1231 3,482 4,324 2,590 284 12,636 6,190 8,176 11,482 26,884 22,280 2009 1231 2008 1231 3,482 4,324 2,590 284 12,217 6,004 7,968 11,467 26,257 22,079 195
19 20091231 357,328 1,031 (1,319) 153,032 1,339 (1,588) 510,360 2,370 (2,907) 196
19 20081231 167,252 1,995 (2,780) 119,649 2,661 (2,895) 286,901 4,656 (5,675) 2009 1231 2008 1231 1,395 938 516 625 1,911 1,563 2009 1231 2008 1231 1,031 1,995 1,339 2,661 2,370 4,656 197
19 20091231 20081231 260,649 158,670 202,292 97,090 19,811 16,039 27,608 15,102 510,360 286,901 20 (a) 20091231 20081231 1,839,314 1,328,590 (22,778) (13,431) (14,998) (16,383) 1,801,538 1,298,776 20091231 20081231 1,839,771 1,329,179 (22,777) (13,431) (14,998) (16,383) 1,801,996 1,299,365 198
20 (b) 20091231 20081231 13,431 16,383 7,690 14,012 9,318 5,415 5,855 9,372 (3,453) (4,482) 10 9,318 1,962 5,855 4,890 (545) (555) (2,804) (1,927) 29 2 (114) (37) 22,778 14,998 13,431 16,383 20091231 20081231 13,431 16,383 7,690 14,012 9,317 5,415 5,855 9,372 (3,453) (4,482) 9,317 1,962 5,855 4,890 (545) (555) (2,804) (1,927) 29 2 (114) (37) 22,777 14,998 13,431 16,383 199
20 (b) 20091231 20081231 26,341 3,473 19,175 2,527 13,003 1,730 14,125 1,102 (3,301) (152) (4,447) (35) 9,702 1,578 9,678 1,067 (456) (89) (476) (79) (2,802) (2) (1,887) (40) 27 4 (149) (2) 32,812 4,964 26,341 3,473 20091231 20081231 26,341 3,473 19,175 2,527 13,002 1,730 14,125 1,102 (3,301) (152) (4,447) (35) 9,701 1,578 9,678 1,067 (456) (89) (476) (79) (2,802) (2) (1,887) (40) 27 4 (149) (2) 32,811 4,964 26,341 3,473 (c) 20091231 20081231 21,869 (13,027) 22,602 (14,823) 3,140 (1,971) 2,918 (1,560) 25,009 (14,998) 25,520 (16,383) 200
20 (c) 20091231 20081231 1.36% 1.92% 21 20091231 20081231 107,604 90,974 (71) 107,604 90,903 821 393 14,514 20,434 114,442 119,339 129,777 140,166 515 222 1,100 820 702 802 2,317 1,844 132,094 142,010 16,950 21,307 201
21 1231 2009 2008 150,313 133,318 358,866 234,565 (5) 509,179 367,878 153,729 140,982 181.88200884.63 20091231 20081231 107,419 90,538 (71) 107,419 90,467 202
21 20091231 20081231 821 393 14,514 20,434 114,442 119,334 129,777 140,161 11 2 734 819 646 619 1,391 1,440 131,168 141,601 16,080 21,086 150,189 133,249 358,831 234,555 (5) 509,020 367,799 153,729 140,911 20091231613.37 2008 1,190.08200912313.02% 4.56%20081.89% 4.56% 203
21 1231 2009 2008 791 226 200911 90,974 143,678 367,883 602,535 108,530 280,914 286,426 675,870 (91,900) (290,828) (145,165) (527,893) (1,052) (1,052) 790 35 825 20091231 107,604 133,502 509,179 750,285 200911 (71) (1,668) (5) (1,744) (80) (80) 3 229 5 237 45 45 23 110 133 1 1 20091231 (1,408) (1,408) 20091231 107,604 132,094 509,179 748,877 204
21 200911 90,538 143,269 367,804 601,611 108,323 280,674 286,314 675,311 (91,442) (291,141) (145,133) (527,716) (1,024) (1,024) 790 35 825 20091231 107,419 132,568 509,020 749,007 200911 (71) (1,668) (5) (1,744) (72) (72) 3 229 5 237 45 45 23 110 133 1 1 20091231 (1,400) (1,400) 20091231 107,419 131,168 509,020 747,607 205
21 200811 66,768 147,433 326,953 541,154 27,068 216,264 119,800 363,132 (2,836) (217,418) (78,536) (298,790) 780 780 (26) (3,381) (334) (3,741) 20081231 90,974 143,678 367,883 602,535 200811 (75) (979) (1,054) (1,118) (5) (1,123) 33 33 4 377 381 19 19 20081231 (71) (1,668) (5) (1,744) 20081231 90,903 142,010 367,878 600,791 200811 66,768 146,024 326,953 539,745 26,632 216,264 119,721 362,617 (2,836) (217,117) (78,536) (298,489) 1,430 1,430 (26) (3,332) (334) (3,692) 20081231 90,538 143,269 367,804 601,611 200811 (75) (979) (1,054) (1,118) (5) (1,123) 33 33 4 377 381 19 19 20081231 (71) (1,668) (5) (1,744) 20081231 90,467 141,601 367,799 599,867 206