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... 2... 4... 8... 10... 13... 16... 25... 29... 32... 33... 57 2009... 59... 60... 61... 66... 68... 68... 70... 72... 74... 77... 79... 157 2009 2010 17 14 Anthony P. Della Pietra Jr () 2009 2009

2

2009 2009 33.9 21.7% 16.21% 0.41 2.4% 0.45 156.1% 5.5 2009 2-2009 2010 2010 2010-2012 3

4

2009 2009 6,665 6,443 222 22.1% 22.4% 13.2% 3,809 22% 5,439 34.4% 33.9 21.7% 16.21% 0.41 12 2.4% 0.45 156.1% 5.5 + IPO 2003 2010 5

2006 6

7

() Guangdong Development Bank Co., Ltd. (GDB) 1988 9 8 2009 6665 28 521 83 510080 020-38322888 020-87310779 www.gdb.com.cn 440000000046541 B0012H144010001 440101190336428 440102190336428 19033642-8 8

1 2 8 9

: 5,011,562 3,387,131 5,021,097 51,008 (9,535) : 2009 2008 2007 15,114,715 17,710,991 12,367,993 5,011,562 3,083,631 4,988,008 3,387,131 2,784,008 2,681,665 666,486,624 546,015,349 437,726,745 644,296,593 526,413,634 422,096,137 543,890,399 404,654,710 352,735,392 380,875,019 311,698,506 248,386,345 22,190,031 19,601,715 15,630,608 (%) 48 37 45 () 0.28 0.24 0.24 () 1.85 1.72 1.37 ()/ 43,297,949 4,453,873 (5,770,636) ()/ () 3.61 0.39 (0.51) (%) 16.21 15.80 18.66 (%) 0.56 0.57 0.66 10

(%) 2009 (%) 2008 (%) 2007 (%) 8 8.98 11.63 7.14 5 2.40 2.85 4.00 150 156.08 150.6 79.92 75 68.16 74.80 68.66 85 67.70 47.61 56.98 75 70.03 73.97 68.19 25 54.28 52.59 36.46 60 64.81 120.82 168.18 4 0.4 2.84 0.04 8 0.92 2.52 1.37 10 10.21 4.37 9.11 56.43 31.07 64.84 : 2009 12 31 2008 12 31 2007 12 31 34,284 32,074 15,410 : 21,486 18,392 15,427 14,706 13,690 0 (1,908) (8) (17) 381,904 275,812 215,841 (%) 8.98 11.63 7.14 (%) 5.62 6.67 7.15 11

: 2009 12 31 2008 12 31 11,978,844 570,421 11,408,423 694,524 91,747 (605,727) 1,208,504 5,171,159 938,159 4,233,000 885,281 338,713 546,568 3,498,911 3,387,131 (2,125,659) 2,237,439 (38,688) (6,469) (32,219) 22,190,031 5,326,171 (2,737,855) 19,601,715 : : 1. 20082008200983114.08 100.244()100.5114.08119.79 2. 3. 10% 4. 20091231()1% 12

2009 6 12 2008 2008 2008 2009 8 3 10 0.5 570,421,130 11,408,422,597 11,978,843,727 : 56,785,717 0.50% 2,373,491 59,159,208 0.49% 8,139,505,807 71.35% 397,872,379 8,537,378,186 71.27% 2,822,443,750 24.74% 141,122,188 2,963,565,938 24.74% 1,215,249 0.01% (250,179) 965,070 0.01% 388,472,074 3.40% 29,303,251 417,775,325 3.49% 11,408,422,597 100.00% 570,421,130 11,978,843,727 100.00% 631 11,978,843,727 : CITIGROUP INC. 20.000% 2,395,768,745 20.000% 2,395,768,745 20.000% 2,395,768,745 20.000% 2,395,768,745 IBM CREDIT LLC. 4.740% 567,797,193 2.043% 244,742,253 1.478% 177,091,050 1.452% 173,897,024 1.414% 169,334,128 0.852% 102,068,857 91.979% 11,018,005,485 : 5% 13

5% () CITIGROUP INC.() 140 :www.citigroup.com www.citi.com () 2003 6 30 2003 12 17 18 2007 1 9 28,264,705,000 ( ) (:) () 2002 12 29 2000 26 () () 1988 3 5 2002 2005 2006 2007 12 ( 2,300 ) () 14

() ()() 5% 5% 5% 5% 5% 5% 20% 16 2009 (09 03) 7 4.8% 2009 12 24 4.38 0.13 15

() () 51 2009/03/17 56 2006/12/18 46 2006/12/18 38 2007/06/26 50 2006/12/18 45 2006/12/18 37 2008/04/22 47 2009/12/01 49 2006/12/18 52 2007/09/20 48 2009/06/22 49 2006/12/18 Martin Wong 46 2008/09/05 Michael Zink 51 2006/12/18 Phee Boon Kang 58 2007/09/20 R.Daniel Massey 67 2006/12/18 Raymond Lim 60 2006/12/18 50 2009/02/18 48 2007/06/26 40 2007/06/26 53 2009/02/18 39 2009/02/18 57 2009/02/18 44 2007/06/26 45 2007/06/26 Edward Chou 44 2006/12/18 58 2006/12/18 49 2007/01/30 46 2006/12/18 16

() () 1998 2000 2000 2003 () PREMIUM HOLDINGS PREMIUM GROUP 17

() 1996 8 1997 10 18

() Martin Wong 20 18 2006 23 Michael Zink MIT () 1995 / Phee Boon Kang 19

()() () R. Daniel Massey () Raymond Lim 20

() () 024 51058 (MPAcc) () 21

Edward Chou () 22

() () / (1) 200,000 100,000 (2) 26,000 24,000 45,000 34,000 (3) 3,000 2009 12 31 2009 0.25 () 2009 2 18 2009 2 23 2009 2 24 2009 Gaurang Hattangdi() 2009 3 17 2009 4 17 2009 Martin Wong() 2009 6 22 2009 2009 12 1 2009 23

2009 12 18 2009 2010 1 18 Martin Wong() Martin Wong() Anthony P. Della Pietra Jr() 2009 14522 2008 331 7.95% 48.92% 35.49% 7.64%35 61.18%36 45 30.55% 46 8.27% 469 24

25

26

17 3 4 2009 16 Michael Zink () Phee Boon Kang()Martin Wong() Phee Boon Kang() R.Daniel Massey() Martin Wong( ) 27

Raymond Lim() 8 4 3 1 2009 11 3 1 1 3 7 6 28

2009 6 12 2008 73 101.83 89.26% 2008 2008 2008 2008 2009 2009 4 17 2009 57 105.54 92.51% Martin Wong() 2009 2009 2009 12 18 2009 61 111.23 92.85% 29

2009 2009 6,665 6,443 222 22.1%22.4% 13.2% 50.1 62.5% 33.9 21.7% 16.21% 156.1%

2009 33.9 6.03 2009 0.28 16.67% 1.85 7.6% 2009 222 13.2% 16.21% 2009 5439 3809 34.4% 22.2% 2009 142.4 156.1% 5.5 2009 91.23 2.4% 0.45 32

2009 2009 () 2009 6,665 6,443 222 22.1%22.4% 13.2% 50.1 62.5% 33.9 21.7% 16.21% 0.41 2.4% 0.45 156.1% 5.5 () + 33

2003 2009 10 2 ( ) 3 () () 2009 33.9 6.03 : : 2009 2008 15,114,715 17,710,991 13,097,726 15,716,478 1,746,350 1,571,936 1,279,897 1,296,719 7,326,305 6,530,295 1,465,120 6,865,318 22,296 41,503 (9,535) 106,475 5,011,562 3,083,631 1,624,431 299,623 3,387,131 2,784,008 34

1 : 3,519,768 1,565,691 172,171,339 4,548,643 2,730,194 215,132,447 2,020,947 1,120,641 118,934,697 1,890,049 1,079,929 87,460,136 3,085,268 (1,476,073) 279,667,131 50,040 715 3,869,798 2 2009 17.77% 2008 2009 : 2009 2008 (%) (%) 18,118,547 78.2 20,987,035 74.5 15,890,730 68.6 17,313,387 61.4 2,227,817 9.6 3,673,648 13.1 2,757,912 11.9 2,447,816 8.7 879,284 3.8 1,015,202 3.6 333,455 1.4 596,773 2.1 944,311 4.1 2,831,673 10.1 62,702 0.3 41,504 0.1 72,945 0.3 257,588 0.9 23,169,156 100 28,177,591 100 3 2009 1.13% : 2009 2008 1,746,350 1,571,936 51,008 268,399 (40,869) 39,178 235,244 102,024 25,256 12,976 2,016,989 1,994,513 35

4 2009 19.18% 2008 2009 : 2009 2008 (%) (%) 7,816,922 77.6 9,021,253 72.4 304,444 3.1 105,163 0.8 1,463,650 14.5 1,540,955 12.4 134,697 1.3 116,500 0.9 351,717 3.5 1,677,242 13.5 10,071,430 100 12,461,113 100 5 2009 12.19% 48.47% 11.6 : 2009 2008 (%) (%) 3,940,051 53.8 3,438,374 52.7 544,656 7.4 475,812 7.3 430,255 5.9 378,138 5.8 311,965 4.2 260,641 3.9 2,099,378 28.7 1,977,330 30.3 7,326,305 100 6,530,295 100 2009 14.59% 2009 14.47%2009 13.78%2009 19.69% 2009 6.17% 36

6 2009 14.65 78.66% 2009 : 2009 2008 (%) (%) 1,461,422 99.7 6,678,277 97.3 7,012 0.5 (13,065) (0.2) (3,314) (0.2) 200,106 2.9 1,465,120 100 6,865,318 100 () 1 2009 6665 1205 (1) : 2009 12 31 2008 12 31 281,790,948 192,022,231 71,530,758 50,714,131 27,553,313 68,962,144 380,875,019 311,698,506 46.75% 41.05% 60.05% 37

: (%) 354,430,717 5.21 () 273,108,002 5.98 81,322,715 2.73 : 2009 12 31 2008 12 31 (%) (%) (%) (%) - 80,624,208 28.61 5.17 60,427,548 31.47 4.88-53,220,534 18.89 3.86 38,167,253 19.88 6.01-49,539,478 17.58 0.15 16,082,883 8.38 1.18-27,687,751 9.83 0.22 16,347,974 8.51 4.66-19,048,232 6.76 0.29 13,707,018 7.14 0.64-14,730,888 5.23 0.70 9,317,377 4.85 3.39-12,466,043 4.42 1.52 12,060,430 6.28 0.05-5,952,307 2.11 0.00 2,104,565 1.10 0.00-2,993,118 1.06 17.19 2,099,325 1.09 30.61-15,528,389 5.51 0.23 21,707,858 11.30 0.76 281,790,948 100.00 2.57 192,022,231 100.00 3.86 38

: 2009 12 31 2008 12 31 (%) (%) 51,954,157 13.64 69,149,940 22.18 50,197,958 13.18 31,248,516 10.03 44,708,246 11.74 38,739,714 12.43 36,399,393 9.56 24,837,045 7.97 28,617,608 7.51 19,439,467 6.24 28,098,897 7.38 18,434,861 5.91 19,946,702 5.24 18,959,838 6.08 17,026,068 4.47 15,987,620 5.13 16,735,900 4.39 10,752,103 3.45 15,091,100 3.96 12,085,074 3.87 14,603,072 3.83 7,375,149 2.37 9,743,731 2.56 7,095,983 2.28 47,752,187 12.54 37,593,196 12.06 380,875,019 100.00 311,698,506 100.00 : 2009 12 31 2008 12 31 (%) (%) 86,042,952 22.59 46,449,259 14.90 124,649,750 32.73 143,412,969 46.01 134,694,894 35.36 92,523,686 29.69 35,487,423 9.32 29,312,592 9.40 380,875,019 100.00 311,698,506 100.00 39

: (%) (%) 1 3,500,000 10.21 0.92 2 3,001,690 8.76 0.79 3 2,000,000 5.83 0.53 4 1,850,000 5.40 0.49 5 1,800,000 5.25 0.47 6 1,620,000 4.73 0.43 7 1,500,000 4.37 0.39 8 1,500,000 4.37 0.39 9 1,310,000 3.82 0.34 10 1,265,962 3.69 0.33 19,347,652 56.43 5.08 : 2009 12 31 2008 12 31 (%) (%) 47,002,159 65.71 30,603,890 60.35 16,466,634 23.02 13,451,067 26.52 8,061,965 11.27 6,659,174 13.13 71,530,758 100.00 50,714,131 100.00 40

(2) : 2009 12 31 2008 12 31 (%) (%) 1,564,846 1.8 2,999,080 3.7 40,832,913 45.8 39,881,607 49.8 5,379,100 6.0 6,377,428 8.0 41,414,743 46.4 30,770,132 38.5 4,100 4,100 89,195,702 100 80,032,347 100 : 2009 12 31 2008 12 31 (%) (%) 9,927,643 11.1 9,469,919 11.8 76,047,990 85.3 69,522,215 86.9 1 3,025,967 3.4 860,950 1.1 2 190,002 0.2 175,163 0.2 4,100 4,100 89,195,702 100 80,032,347 100 : 1 2 : 07 11 750,000 20100716 4% 08 11 610,000 20100714 4% 00 07 500,000 20100921 3% 09 28 500,000 20101121 1% 09 09 400,000 20120521 2% 2,760,000 41

() : 00 01 4,188,000 20100404 3% 07 108 3,950,000 20101012 4% 07 74 3,000,000 20100713 4% 00 02 1,830,000 20100506 3% 08 09 1,740,000 20100519 5% 14,708,000 2009 410 41% 2 5439 1392 34% 6443 1179 : 2009 12 31 2008 12 31 (%) (%) 543,890,399 84.42 404,654,710 76.87 50,819,648 7.89 51,054,132 9.70 32,773,870 5.09 44,271,061 8.41 5,000,000 0.77 5,000,000 0.95 11,812,676 1.83 21,433,731 4.07 644,296,593 100 526,413,634 100 42

(1) : 2009 12 31 2008 12 31 (%) (%) 226,358,731 41.62 221,373,433 54.71 191,902,126 35.28 181,059,574 44.75 34,456,605 6.34 40,313,859 9.96 225,464,205 41.45 107,528,034 26.57 170,483,565 31.34 73,081,369 18.06 54,980,640 10.11 34,446,665 8.51 92,067,463 16.93 75,753,243 18.72 543,890,399 100 404,654,710 100 2008 2009 41.45% 14.88 (2) : (%) 353,324,014 1.66 270,295,591 1.62 83,028,423 1.78 43

() : 2009 12 31 (%) 666,486,624 22.1 644,296,593 22.4 22,190,031 13.2 3,387,131 21.7 30% 2009 12 31 (%) : 82,590,316 30 10,458,671 176 90,113,168 39 41,414,743 35 2,576,589 (78) 543,890,399 34 885,281 62 3,498,911 56 1,465,120 (79) 1,624,431 442 44

() 1 : 1 3,155,456 (116,800) 1,669,633 156,376 (51,589) 104,787 2 6,377,428 5,379,100 3 1 39,881,607 694,524 40,832,913 4 30,770,132 41,414,743 80,184,623 (116,800) 694,524 89,296,389 150,338 (75,931) 74,407 : 1 2 2 : 2009 12 31 2008 12 31 2007 12 31 37,839,468 28,066,636 30,801,422 126,199,257 89,604,814 69,493,613 5,481,396 5,764,956 5,034,687 9,741,993 6,675,550 8,292,452 9,912,343 8,844,523 1,958,596 2,208,676 2,098,502 1,663,582 578,707 545,430 450,328 45

3 : 2009 12 31 2008 12 31 2,414,746 2,612,876 2,774,923 2,594,101 90 () 4545 37.8% 3093 18.5% 420.19 80.3 46 35.7 118 43 260.5 138 446.95 31.33 415.62 35.57 46

() 46 160 97 51 792.3 35.3% 715.3 41% 5.94 32.6% 611.7 41.5% 7*24 146.7 1033 () 834 123 17.3% 111 181 23148 () 714 5.37 4 17 32.4 4 47

() 2009 135 42.5% 499 8,367 1208 38 750 2969 () IT 2009 48

IT IT () 2009 () 1 : (%) 362,467,125 95.16 8,731,994 9,284,416 2.44 635,576 4,261,570 1.13 1,272,485 3,367,148 0.88 2,104,935 1,494,760 0.39 1,494,760 380,875,019 100.00 14,239,750 ( / ) 156.1% 49

: 2008 2009 (%) (%) (%) 3,457,367 1.11 804,203 0.02 4,261,570 1.13 4,422,854 1.42 (1,055,706) (0.54) 3,367,148 0.88 989,501 0.32 505,259 0.07 1,494,760 0.39 8,869,722 2.85 253,756 (0.45) 9,123,478 2.40 2 2009 : (13,360,269) (2,759,033) 1,297,611 127,001 (102,476) 557,416 (14,239,750) 3 2009 1037 1058 4 2009 50

39 0.45 5 : 2009 2008 295,520 84,646 268,294 59,467 20,764 12,901 6,462 12,278 (26,430) (29,582) 269,090 55,064 6 (1) (2) (3) IT (4) 51

2010 () 1 (1) (2) (3) 2009 (4) 2009 (5) 2009 (6) 2009 (7) 52

2 3 2009 2009 12 1 () 2009 2009 4 53

2009 : (1) 2010 (2) IT (3) (4) (5) 5 2009 (1) 2009 (2) (3) 54

(4) 6 3 11 6, 43 2010 55

() 2010 8366 25.5% 7007 25.2% 4766 25.1% 51.8 52.9% 1.8% () 56

2009 2 24 2009 2009 2009-2010 Gaurang Hattangdi()(Simon Chung) 2009 2009 3 17 2009 2008 2008 2008 2009 2008 2008 < > 2009 2009 2009 2008 2009 4 17 2009 2009 2008 57

2009 6 22 2009 2008 (<>) 2009 7 31 2009 2008 2009 9 22 2009 2009/2010 2009 10 27 2009 () 2009 12 1 2009 2009 2009 2009 12 22 2009 2009 2008 2008 2008 3 58

: () () () 9 9 0 0 / 9 8 1 0 2009 Phee Boon Kang 9 9 0 0 / () 2009 2006 2009 2009 3,387,131,286 2,237,438,887 2009 278,365,511 570,421,130 4,775,783,532 ( 42 ) 2009 () () 10 50 2009 546,567,729 11,978,843,728 4.6 2009 10 338,713,129 (200549 ) 5 1 2009 12009 1 938,159,461 3,498,910,942 2009 2009 59

1 : 2009 2 23 2009 3 18 2008 2008 2008 2009 5 12 2008 2009 1 16 2 11 Gaurang Hattangdi() 2 60

2008 11,408,422,597 11,978,843,727 2009 8 20 (2009) 0217 11,978,843,727 ([2010]131 ) 11,408,422,597 11,978,843,727 2009 1432 2009 12 31 1622 49.96 1.9 2008 1.8 () () () 2009 2009 2009 (2006 ) 2009 61

1 6 1 16 2008 6 5 4 5 (SWIFT ) TSU(Trade Services Utility) 6 12 7 15 2009 500 200 10 20 28 11 6 2009 2009 11 10 12 3 (CFCA) 2009 2009 12 14 12 21 2009 62

12 2009 12 2009 2010 1 63

2009 2-2009 64

65

2009 [KPMG-A (2010) OR No.0042] () 2009 12 31 2009 () 2010 3 23 1211 1231 [2004]8 2009 66

2009 2009 2009 1 2 8 100738 2010 3 23 67

KPMG-A (2010) AR No.0197 : 70 156 ( ) 2009 12 31 2009 : (1) (2) (3) 68

2009 12 31 2009 1 2 8 100738 2010 3 23 69

2009 12 31 () 2009 2008 5 82,590,316 63,634,498 6 10,458,671 3,785,583 7 8,818,421 16,412,333 8 1,564,846 2,999,080 9 104,787 156,376 10 90,113,168 64,851,478 11 2,414,746 2,612,876 12 366,635,269 298,338,237 13 40,832,913 39,881,607 14 41,414,743 30,770,132 15 5,379,100 6,377,428 16 4,100 4,100 17 3,301,091 2,969,908 18 814,428 54,903 19 405,773 310,976 20 2,611,918 2,611,813 21 9,022,334 10,244,021 666,486,624 546,015,349 23 50,819,648 51,054,132 24 2,576,589 11,863,236 9 74,407 150,338 25 32,773,870 44,271,061 26 543,890,399 404,654,710 27 1,268,933 1,053,583 28 1,182,521 1,604,350 29 3,929,955 4,243,380 30 45,632 47,059 31 5,000,000 5,000,000 32 2,734,639 2,471,785 644,296,593 526,413,634 79 156 70

() 2009 12 31 () 2009 2008 33 11,978,844 11,408,423 34 694,524 1,208,504 35 885,281 546,568 36 5,171,159 4,233,000 37 3,498,911 2,237,439 (38,688) (32,219) 22,190,031 19,601,715 666,486,624 546,015,349 2010 3 23 () () () () () 79 156 71

2009 () 2009 2008 23,169,156 28,177,591 (10,071,430) (12,461,113) 38 13,097,726 15,716,478 2,220,368 2,040,103 (474,018) (468,167) 39 1,746,350 1,571,936 40 51,008 268,399 ()/ 41 (40,869) 39,178 235,244 102,024 25,256 12,976 15,114,715 17,710,991 79 156 72

() 2009 () 2009 2008 (1,279,897) (1,296,719) 42 (7,326,305) (6,530,295) 43 (1,465,120) (6,865,318) (22,296) (41,503) (10,093,618) (14,733,835) 5,021,097 2,977,156 : 44 165,803 194,576 : 45 (175,338) (88,101) 5,011,562 3,083,631 : 46 (1,624,431) (299,623) 3,387,131 2,784,008 47 (520,449) 1,187,099 2,866,682 3,971,107 2010 3 23 () () () () () 79 156 73

2009 () 2009 2008 : 139,002,032 63,784,459-476,940-34,135,359 15,740,318-22,210,223 31,282,190 735,698 505,972 177,688,271 130,184,920 (69,767,929) (64,405,618) (22,600,306) (4,403,467) - (31,394,851) (20,768,464) - (10,554,429) (15,557,579) (3,724,701) (3,306,796) (3,234,515) (3,405,162) (3,739,978) (3,257,574) (134,390,322) (125,731,047) 48(1) 43,297,949 4,453,873 79 156 74

() 2009 () 2009 2008 : 166,161,950 298,933,549 2,966 1,400 2,593,346 1,943,319 229,422 23,472 168,987,684 300,901,740 (175,690,925) (325,656,830) (1,773,007) (871,188) (177,463,932) (326,528,018) (8,476,248) (25,626,278) 79 156 75

() 2009 () 2009 2008 : - 5,000,000 - (15,000) (561,104) - 2,181,838 1,269,693 1,620,734 6,254,693 (4,407) (288,334) /() 48(2) 36,438,028 (15,206,046) : 42,393,998 57,600,044 48(3) 78,832,026 42,393,998 2010 3 23 () () () () () 79 156 76

2009 () 2009 1 1 11,408,423 1,208,504 546,568 4,233,000 (32,219) 2,237,439 19,601,715 : 1. - - - - - 3,387,131 3,387,131 2. : - - (388,332) - - - - (388,332) - - (216,387) - - - - (216,387) - - (1,008) - - - - (1,008) - 91,747 - - - - 91,747 - - - - (6,469) - (6,469) 3. 37 - - - 338,713 - - (338,713) - - - - - 938,159 - (938,159) - - - 570,421 - - - - (570,421) - - - - - - - - (278,366) (278,366) 2009 12 31 11,978,844 694,524 885,281 5,171,159 (38,688) 3,498,911 22,190,031 79 156 77

() 2009 () 2007 12 31 11,408,423-266,816 3,524,660 (17,052) 244,341 15,427,188-6,238 1,351 - - 195,831 203,420 2008 1 1 11,408,423 6,238 268,167 3,524,660 (17,052) 440,172 15,630,608 : 1. - - - - - 2,784,008 2,784,008 2. : - - 1,437,586 - - - - 1,437,586 - - (36,013) - - - - (36,013) - - (74,018) - - - - (74,018) - - 16,000 - - - - 16,000 - (141,289) - - - - (141,289) - - - - (15,167) - (15,167) 3. 37 - - - 278,401 - - (278,401) - - - - - 708,340 - (708,340) - 2008 12 31 11,408,423 1,208,504 546,568 4,233,000 (32,219) 2,237,439 19,601,715 2010 3 23 () () () () () 79 156 78

() 1 () 1988 9 8 () () 2009 12 31 28 () () 2010 3 23 2 2010 12 31 (1) () 2006 2 15 38 () (2) 1 1 12 31 (3) : - () ( 3(3)) - ( 3(3)) 79

2 () (4) () 3(2)(b) 3 (1) (2) (a) (b) (3) (a) : 80

3 () (3) () (a) () : (i) (ii) (iii) : (i) (ii) (iii) (): ()() () :(i) (ii) 81

3 () (3) () (a) () : (i) (ii) (iii) :(i)(ii)(iii) (b) () : (i) (ii) (iii) () 3(3) 82

3 () (3) () (c) : (i) (ii) (iii) : (i) (ii) (d) () 83

3 () (3) () (d) () ( ) () (e) : - - - - - - - - - 84

3 () (3) () (e) () :(i)(ii) (iii) ( ) 85

3 () (3) () (e) () () () ( ) : (i) (ii) (iii) 86

3 () (3) () (f) (g) (h) (i) 87

3 () (4) (5) (a) (b) () : 30-35 3%-5% 2.8%-3.2% 5 3%-5% 19%-19.4% 5 3%-5% 19%-19.4% 3(10) (c) 88

3 () (6) 3(10) (7) : 30 50 5 5 3(10) (8) () 89

3 () (8) () : 3 15 2 10 2 17 3(10) (9) 3(10) (10) : - - - - - - 90

3 () (10) () () (a) (b) (11) (12) (a) (b) 91

3 () (12) () (c) :(i) (ii) (13) (14) () (15) () () 92

3 () (16) (a) ( )() (b) (c) (17) 93

3 () (17) (18) (19) 55 (20) : (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) 94

3 () (21) (22) : 5% 1%-7% 3% 20% 25% 2008 1 1 33% 25% ([2007]39 ) 2008 2012 5 25% 2009 20% (2008 :18%) 95

3 () (23) (a) () (b) (c) 96

3 () (23) () (d) (e) (f) () (g) 2006 12 18 481.42 100 2007 1 1 2.7% 5 5 100 2.68% 97

4 (a) 2009 3 ( 3 ): : - - (b) 3 5 2009 2008 2,282,017 2,249,273 - ((i)) 62,971,660 46,584,550 - ((ii)) 16,997,018 14,633,002-339,621 167,673 82,590,316 63,634,498 98

5 () (i) : 2009 2008 13.5% 13.5% 5.0% 5.0% (ii) 6 2009 2008 8,546,609 3,021,441 10,762 14,314 8,557,371 3,035,755 1,901,300 749,828 10,458,671 3,785,583 7 2009 2008 7,861,835 11,426,311 1,260 10,946 7,863,095 11,437,257 956,326 4,985,761 8,819,421 16,423,018 :( 22) (1,000) (10,685) 8,818,421 16,412,333 99

8 2009 2008 - - 703,958-873,794 544,754-109,356 1,065,707-538,371 486,770 - - 100,337-43,325 97,554 1,564,846 2,999,080 9 2009 9,912,343 104,787 (74,407) 2008 8,744,523 156,282 (150,137) 100,000 94 (201) 8,844,523 156,376 (150,338) 100

10 2009 2008-12,807,500 3,949,825-4,074,667 8,248,018-11,007,822 2,404,512-7,136,953 5,279,145 35,026,942 19,881,500 54,311,226 44,669,978 775,000 300,000 90,113,168 64,851,478 2009 2008 3,000,000 3,000,000 22,047,565 11,580,137 65,065,603 50,271,341 90,113,168 64,851,478 11 2009 2008 30,278 26,000 20,574 1,000 11,415 100,848 40,744 32,851 1,616,230 1,636,806 691,760 811,877 3,745 3,494 2,414,746 2,612,876 101

12 (1) 2009 2008 281,790,948 192,022,231 47,002,159 30,603,890 16,466,634 13,451,067 8,061,965 6,659,174 71,530,758 50,714,131 27,553,313 68,962,144 380,875,019 311,698,506 :( 22) - (3,662,247) (3,746,516) - (10,577,503) (9,613,753) (14,239,750) (13,360,269) 366,635,269 298,338,237 (2) 2009 2008 35,487,423 29,312,592 134,694,894 92,523,686 124,649,750 143,412,969 86,042,952 46,449,259 380,875,019 311,698,506 : (14,239,750) (13,360,269) 366,635,269 298,338,237 (3) 2009 1 90 360 3 90 360 3 78,927 752,653 106,559 24,490 962,629 1,043,257 670,473 594,062 312,169 2,619,961 394,086 1,340,957 227,955 20,519 1,983,517 1,946,798 37,430 135,214 23,317 2,142,759 3,463,068 2,801,513 1,063,790 380,495 7,708,866 102

12 () (3) () 2008 1 90 360 3 90 360 3 740,238 359,388 219,024 14,150 1,332,800 1,576,451 1,158,070 1,126,430 34,342 3,895,293 821,458 881,910 569,435 17,886 2,290,689 1,902,302 48,680 17,660 37 1,968,679 5,040,449 2,448,048 1,932,549 66,415 9,487,461 / : 2009 2008 1,127,596 1,572,372 88,182 801,071 1,215,778 2,373,443 (4) 2009 (%) 371,751,543 1,289,780 7,833,696 380,875,019 2.40 : (9,367,569) (1,209,934) (3,662,247) (14,239,750) 362,383,974 79,846 4,171,449 366,635,269 2008 (%) 302,828,784 1,142,701 7,727,021 311,698,506 2.85 : (8,575,918) (1,037,835) (3,746,516) (13,360,269) 294,252,866 104,866 3,980,505 298,338,237 103

12 () (4) () 3(3)(e) : (i) (ii) (iii) (iv) (v) () : - - : (i) (ii) (iii) 12 104

12 () (5) 2009 (8,575,918) (1,037,835) (3,746,516) (13,360,269) (791,651) (344,779) (1,622,603) (2,759,033) - - 1,297,611 1,297,611 - - 127,001 127,001 - - (102,476) (102,476) - 172,680 384,736 557,416 (9,367,569) (1,209,934) (3,662,247) (14,239,750) 2008 (3,005,597) (894,145) (3,941,641) (7,841,383) (5,570,321) (281,120) (1,689,482) (7,540,923) - - 862,646 862,646 - - 92,224 92,224 - (4,587) (21,703) (26,290) - 142,017 951,440 1,093,457 (8,575,918) (1,037,835) (3,746,516) (13,360,269) 105

13 2009 2008-1,580,001 1,445,975-19,060,111 22,345,736-8,068,663 4,323,254-10,952,557 10,501,188-452,703 81,305-25,646 427,232-546,555 679,308 40,686,236 39,803,998 - ((ii)) 91,545 45,695-55,132 31,914 146,677 77,609 40,832,913 39,881,607 (i) 2009 12 31 0.28 (2008 : 0.28 )2009 (2008 : 0.16 ) (ii) 106

14 2009 2008-5,968,506 3,942,558-13,441,289 12,474,141-19,935,277 14,353,433-2,004,598-41,349,670 30,770,132-42,962 - - 22,111-65,073-41,414,743 30,770,132 15 2009 2008 2,379,136 3,377,428 2,999,964 3,000,000 5,379,100 6,377,428 16 2009 2008 4,100 4,100 107

16 () 2009 12 31 2008 12 31 : 61743591-x 10,000,000 4,100,000 4,100,000 41% 41% : 2009 2008 260,869 208,406 (101) (94) : 2009 2008 7,587 7,416 3,184 2,912 4,403 4,504 17 : 2009 1 1 3,459,758 1,561,081 432,325 5,453,164 192,835 463,277 59,302 715,414 ( 18) 50,547 - - 50,547 / (180,620) (133,810) (58,450) (372,880) 2009 12 31 3,522,520 1,890,548 433,177 5,846,245 : 2009 1 1 (859,501) (1,010,089) (297,623) (2,167,213) (102,182) (173,018) (36,765) (311,965) 68,616 129,007 39,899 237,522 2009 12 31 (893,067) (1,054,100) (294,489) (2,241,656) 108

17 () : 2009 1 1 (316,043) - - (316,043) (12,437) - - (12,437) 24,982 - - 24,982 2009 12 31 (303,498) - - (303,498) : 2009 12 31 2,325,955 836,448 138,688 3,301,091 2008 12 31 2,284,214 550,992 134,702 2,969,908 : 2008 1 1 3,195,400 1,366,624 444,471 5,006,495 57,084 346,245 53,073 456,402 ( 18) 233,546 - - 233,546 / (26,272) (151,788) (65,219) (243,279) 2008 12 31 3,459,758 1,561,081 432,325 5,453,164 : 2008 1 1 (792,965) (1,010,301) (326,245) (2,129,511) (83,191) (144,888) (32,562) (260,641) 16,655 145,100 61,184 222,939 2008 12 31 (859,501) (1,010,089) (297,623) (2,167,213) : 2008 1 1 (305,389) - - (305,389) (16,544) - - (16,544) 5,890 - - 5,890 2008 12 31 (316,043) - - (316,043) : 2008 12 31 2,284,214 550,992 134,702 2,969,908 2007 12 31 2,097,046 356,323 118,226 2,571,595 (i) (ii) (iii) 2009 12 31 5.98 (2008 : 7.3 ) 2009 12 31 3 (2008 : 3.2 ) 2009 12 31 2.3 (2008 : 3.4 ) 109

18 2009 2008 : 55,576 243,473 810,744 45,649 (845) - ( 17) (50,547) (233,546) 814,928 55,576 : (673) - (250) (673) 423 - (500) (673) : 814,428 54,903 54,903 243,473 2009 12 31 5.78 (2008 : 0.51 ) 19 : 2009 1 1 218,686 304,905 44,664 568,255 78,626 87,664-166,290 (15,607) (539) - (16,146) 2009 12 31 281,705 392,030 44,664 718,399 : 2009 1 1 (31,680) (176,599) (42,070) (250,349) (8,272) (50,921) (1,258) (60,451) 3,828 827-4,655 2009 12 31 (36,124) (226,693) (43,328) (306,145) : 2009 1 1 (6,930) - - (6,930) (2,644) - - (2,644) 3,093 - - 3,093 2009 12 31 (6,481) - - (6,481) : 2009 12 31 239,100 165,337 1,336 405,773 2008 12 31 180,076 128,306 2,594 310,976 110

19 () 2009 12 31 700 (2008 : 1,400 ) : 2008 1 1 190,129 237,336 44,816 472,281 30,886 76,839-107,725 (2,329) (9,270) (152) (11,751) 2008 12 31 218,686 304,905 44,664 568,255 : 2008 1 1 (24,977) (147,008) (39,753) (211,738) (7,921) (38,860) (2,469) (49,250) 1,218 9,269 152 10,639 2008 12 31 (31,680) (176,599) (42,070) (250,349) : 2008 1 1 (5,894) - - (5,894) (1,036) - - (1,036) 2008 12 31 (6,930) - - (6,930) : 2008 12 31 180,076 128,306 2,594 310,976 2007 12 31 159,258 90,328 5,063 254,649 20 (1) 2009 2008 2,669,352 2,854,613 (57,434) (242,800) 2,611,918 2,611,813 111

20 () (2) 2009-2,584,003 (275,626) - 2,308,377-68,514 90,482-158,996 - (92,048) (24,321) 91,747 (24,622) - 18,772 (4,362) - 14,410 - - 101,086-101,086-32,572 21,099-53,671 2,611,813 (91,642) 91,747 2,611,918 2008-1,312,418 1,271,585-2,584,003-105,807 (37,293) - 68,514-25,490 23,751 (141,289) (92,048) - 21,074 (2,302) - 18,772 - (68,732) 62,267 39,037 32,572 1,396,057 1,318,008 (102,252) 2,611,813 (a) (b) 112

21 2009 2008 21(1) 295,520 84,646 21(2) 749,694 459,567 21(3) 8,269,277 10,017,306 9,314,491 10,561,519 : 22 (292,157) (317,498) 9,022,334 10,244,021 (1) 2009 2008 20,764 12,901 268,294 59,467 6,462 12,278 295,520 84,646 : (26,430) (29,582) 269,090 55,064 2009 (2008 : 35 ) (2) 2009 2008 417,712 319,874 41,016 40,399 290,966 99,294 749,694 459,567 113

21 () (3) 2009 2008 ((i)) 6,548,469 8,730,307 ((ii)) 489,219 439,683 45,626 212,371 ( 31(iv)) 11,377 14,091 480,871 207,816 108,690-585,025 413,038 8,269,277 10,017,306 : (265,727) (287,916) 8,003,550 9,729,390 : 2009 1 ( 1 ) 1,017,876 12% (14,278) 1,003,598 1 2 ( 2 ) 553,106 7% (163,329) 389,777 2 3 ( 3 ) 6,605,833 80% (43,528) 6,562,305 3 92,462 1% (44,592) 47,870 8,269,277 100% (265,727) 8,003,550 2008 1 ( 1 ) 1,058,075 10% (163,059) 895,016 1 2 ( 2 ) 100,440 1% (48,392) 52,048 2 3 ( 3 ) 8,766,873 88% (22,475) 8,744,398 3 91,918 1% (53,990) 37,928 10,017,306 100% (287,916) 9,729,390 114

21 () (3) () (i) 100 2007 2011 5 2006 60 [(2008)73 ] 5 2007 1 1 2011 12 31 100 100 100 2009 2008 21.8 (2008 : 12.7 ) (ii) 2007 2009 12 31 4.90 (2008: 4.40 ) 22 2009 / 7 (10,685) - - - 9,685 (1,000) 12 (13,360,269) (2,759,033) 1,297,611 127,001 454,940 (14,239,750) 17 (316,043) (12,437) - - 24,982 (303,498) 18 (673) (250) - - 423 (500) 19 (6,930) (2,644) - - 3,093 (6,481) 21 (317,498) (25,306) 36,939-13,708 (292,157) (14,012,098) (2,799,670) 1,334,550 127,001 506,831 (14,843,386) 115

22 () 2008 / 7 (10,685) - - - - (10,685) 12 (7,841,383) (7,540,923) 862,646 92,224 1,067,167 (13,360,269) 17 (305,389) (16,544) - - 5,890 (316,043) 18 - (673) - - - (673) 19 (5,894) (1,036) - - - (6,930) 21 (221,882) (184,867) 32,079-57,172 (317,498) (8,385,233) (7,744,043) 894,725 92,224 1,130,229 (14,012,098) 23 2009 2008 28,230,244 26,146,461 22,589,404 24,907,671 50,819,648 51,054,132 24 2009 2008 2,575,589 11,862,236 1,000 1,000 2,576,589 11,863,236 116

25 2009 2008-153,000 80,000-1,500,000 5,812,000-3,699,500 5,700,000-4,394,000 7,390,000 23,027,370 24,988,838-300,223 32,773,870 44,271,061 2009 2008 29,520,390 43,970,838 3,253,480 300,223 32,773,870 44,271,061 26 2009 2008-191,902,126 181,059,574-34,456,605 40,313,859 226,358,731 221,373,433 () - 170,483,565 73,081,369-54,980,640 34,446,665 225,464,205 107,528,034 ((i)) 80,335,702 67,280,541 11,171,425 8,051,449 560,336 421,253 543,890,399 404,654,710 117

26 () (i) 2009 2008 62,384,288 53,213,171 3,222,064 1,423,302 1,596,840 1,336,504 13,132,510 11,307,564 80,335,702 67,280,541 27 2009 801,343 2,482,559 (2,348,353) 935,549 383 288,734 (127,427) 161,690 23,971 363,582 (383,809) 3,744 19,073 209,242 (227,831) 484 37,090 65,443 (88,904) 13,629 113,764 9,615 (20,825) 102,554-2,343 (2,343) - 57,959 518,533 (525,209) 51,283 1,053,583 3,940,051 (3,724,701) 1,268,933 2008 610,393 2,188,691 (1,997,741) 801,343 305 217,560 (217,482) 383 71,859 361,402 (409,290) 23,971 15,325 161,727 (157,979) 19,073 60,023 70,869 (93,802) 37,090 120,404 16,741 (23,381) 113,764-3,056 (3,056) - 43,696 418,328 (404,065) 57,959 922,005 3,438,374 (3,306,796) 1,053,583 118

28 2009 2008 644,522 1,010,135 468,479 520,674 49,159 51,379 20,361 22,162 1,182,521 1,604,350 29 2009 2008 3,640,996 3,828,021 179,799 226,004 104,254 104,254 432 46,308 2,313 28,949 2,161 9,844 3,929,955 4,243,380 30 2009 2008 47,059 84,301 8,891 38,052 (979) (43,965) (9,339) (31,329) 45,632 47,059 2009 12 31 1.9 (2008 : 3.7 ) 119

31 2009 2008 ((i)) 4,300,000 4,300,000 ((ii)) 700,000 700,000 5,000,000 5,000,000 (i) 2008 7 25 16 6.3% 9.3% 2008 9 23 27 5.85% 8.85% (ii) (iii) (iv) 2008 7 25 7 200 3 2009 1,500 2009 12 31 1,138 (2008 : 1,409 )( 21) 32 2009 2008 404,343 828,109 254,166 177,028 ((i)) 116,549 120,690 138,113 116,822 58,597 79,000 293,488 58,402 2,256 45,095 14,887 24,367 108,690 11,790 140,993 116,224 662,406 295,438 38,757 19,765 501,394 579,055 2,734,639 2,471,785 120

32 () (i) 2009 12 31 1.17 (2008 : 1.21 ) 33 2009 2008 ( 1 ) 11,978,844 11,978,844 11,408,423 11,408,423 2009 3 17 2008 10 0.5 5.7 2009 6 12 2008 2008 5.7 2009 12 1 11,408,422,597 11,978,843,727 2009 8 20 020200908006931 11,978,843,727 34 2009 2008 694,524 1,208,504 35 10% 50% 25% 121

36 1% 37 (1) 2009 10% 3.39 50% () 25% (2) 2009 3 17 2009 6 12 2008 2009 8 5 2008 2.78 (2008 :) (3) 5.7 33 (4) 2005 5 17 2005 7 1 ([2005]49 ) () () 1% 2005 9 5 ([2005]90 ) 2005 7 1 3 5 2009 12 31 () 1% 9.38 122

38 2009 2008 879,284 1,015,202 62,702 41,504 333,455 596,773 72,945 257,588 944,311 2,831,673-12,344,909 13,611,152-3,545,821 3,702,235-2,227,817 3,673,648 ((ii)) 2,757,912 2,447,816 23,169,156 28,177,591 (1,463,650) (1,540,955) (134,697) (116,500) (351,717) (1,677,242) (7,816,922) (9,021,253) (304,444) (105,163) (10,071,430) (12,461,113) 13,097,726 15,716,478 (i) : 2009 2008 314,236 324,216 5,376 5,463 (ii) 123

39 2009 2008 1,337,228 1,064,890 231,432 556,192 389,685 339,205 262,023 79,816 2,220,368 2,040,103 (266,177) (224,530) (98,448) (103,271) (11,442) (19,791) (97,951) (120,575) (474,018) (468,167) 1,746,350 1,571,936 40 2009 2008-45,511 20,749-2,531 246,250 2,966 1,400 51,008 268,399 41 ()/ 2009 2008 (65,211) 29,196 24,342 9,982 (40,869) 39,178 124

42 2009 2008 - ((i)) 2,482,559 2,188,691-288,734 217,560-363,582 361,402-209,242 161,727-65,443 70,869-9,615 16,741-2,343 3,056-518,533 418,328 3,940,051 3,438,374-311,965 260,641-544,656 475,812-430,255 378,138 1,286,876 1,114,591 211,119 243,509 1,888,259 1,733,821 7,326,305 6,530,295 (i) 2009 12 31 0.25 (2008 : 0.24 ) 2008 12 31 2009 12 31 43 2009 2008 1,461,422 6,678,277-16,000 12,437 16,544 250 673 2,644 1,036 7,012 (13,065) (18,645) 165,853 1,465,120 6,865,318 125

44 2009 2008 979 43,965 19,551 16,131 54,416 15,260 3,015 3,791 25,543 44,994 62,299 70,435 165,803 194,576 45 2009 2008 8,891 38,052 9,358 6,984 297 4,660 156,792 38,405 175,338 88,101 46 2009 2008-1,532,382 1,613,068-407 4,563 1,532,789 1,617,631 ( 20) 91,642 (1,318,008) 1,624,431 299,623 : 2009 2008 5,011,562 3,083,631 25%(2008 :25%) 1,252,891 770,908 ((i)) 299,374 79,208 ((ii)) (65,501) (203,003) ((iii)) (8,897) (39,131) (33,984) (254,359) 180,548 (54,000) 1,624,431 299,623 126

46 () (i) 2009 (ii) (iii) 20%(2008 :18%) 47 2009 2008 - (388,332) 1,437,586 - (216,387) (36,013) - (1,008) (74,018) - - 16,000 (605,727) 1,343,555 91,747 (141,289) (6,469) (15,167) (520,449) 1,187,099 48 (1) 2009 2008 3,387,131 2,784,008 : 1,465,120 6,865,318 (127,001) (92,224) 523,084 504,150 (64,609) (23,538) (2,830,857) (2,705,404) (51,008) (268,399) 40,869 (39,178) (9,640) (102,024) 304,444 105,163 /() 91,642 (1,318,008) (77,152,796) (100,276,419) 117,721,570 99,020,428 43,297,949 4,453,873 127

48 () (2) /() 2009 2008 2,282,017 2,249,273 : (2,249,273) (2,116,919) : 76,550,009 40,144,725 : (40,144,725) (55,483,125) /() 36,438,028 (15,206,046) (3) 2009 2008 2,282,017 2,249,273 16,997,018 14,633,002-4,410,331 3,778,027-7,132,101 3,562,909-48,010,559 18,170,787 78,832,026 42,393,998 49 (1) 128

49 () (1) 2009 2008 ( 1 ) 8,708,725 1,915,831 29,130,743 26,150,805 37,839,468 28,066,636 126,199,257 89,604,814 9,741,993 6,675,550 1,061,036 716,886 4,420,360 5,048,070 141,422,646 102,045,320 179,262,114 130,111,956 (2) : 2009 2008 155,560 295,978 423,147 249,452 578,707 545,430 (3) : 2009 2008 1 466,164 442,116 1-2 395,660 392,053 2-3 336,927 333,170 3-5 472,254 499,362 5 537,671 431,801 2,208,676 2,098,502 (4) 30 129

49 () (5) : 2009 2008 5,538,119 5,770,309 (6) 3(13) 50 (1) ( 25) 2009 12 31 328 (2008 : 443 ) 12 : (a) 2009 2008 153,000 80,000 1,500,000 5,812,000 3,699,500 5,700,000 4,394,000 7,390,000 23,027,370 24,988,838-300,223 32,773,870 44,271,061 130

50 () (1) () (b) 2009 2008 3,699,500 11,312,000 6,047,000 7,670,000 23,027,370 25,289,061 32,773,870 44,271,061 (2) 10 2009 12 31 586 (2008 12 31 : 514 ) 2009 12 31 220 (2008 12 31 : 226 ) 51 : 2009 2008 15,387,922 14,079,727 (15,387,922) (14,079,727) 52 131

52 () / / 28 : - : - : - : - : - - 132

52 () () 2009 2,144,195 2,315,759 1,003,561 1,453,435 6,148,526 32,250 13,097,726 /() 1,109,414 1,826,608 855,337 313,394 (4,108,578) 3,825-3,253,609 4,142,367 1,858,898 1,766,829 2,039,948 36,075 13,097,726 224,963 257,279 102,883 112,750 1,038,625 9,850 1,746,350 - - - - 49,284 1,724 51,008 ()/ 1,224 (374) 628 (101) (42,246) - (40,869) /() 38,542 129,042 56,089 10,175 (644) 2,040 235,244 1,430 20,329 2,449 396 301 351 25,256 3,519,768 4,548,643 2,020,947 1,890,049 3,085,268 50,040 15,114,715 (312,385) (310,385) (181,646) (151,457) (324,024) - (1,279,897) (1,258,691) (2,601,778) (1,045,270) (732,846) (1,649,768) (37,952) (7,326,305) (382,519) 1,094,156 335,870 74,392 (2,587,019) - (1,465,120) (482) (442) (9,260) (209) (530) (11,373) (22,296) (1,954,077) (1,818,449) (900,306) (810,120) (4,561,341) (49,325) (10,093,618) 1,565,691 2,730,194 1,120,641 1,079,929 (1,476,073) 715 5,021,097 : 3,765 134,352 3,021 1,447 19,103 4,115 165,803 : (15,233) (62,396) (25,464) (5,522) (66,596) (127) (175,338) 1,554,223 2,802,150 1,098,198 1,075,854 (1,523,566) 4,703 5,011,562 323,752 654,436 198,205 213,056 15,717 496,240 1,901,406 51,950 216,177 71,877 39,413 143,382 285 523,084 2008 2,648,793 4,057,122 1,901,445 1,552,557 5,493,232 63,329 15,716,478 /() 844,190 1,728,077 456,681 80,597 (3,118,326) 8,781-3,492,983 5,785,199 2,358,126 1,633,154 2,374,906 72,110 15,716,478 313,789 276,142 88,805 69,342 816,376 7,482 1,571,936 - - - - 247,488 20,911 268,399 775 2,297 3,882 114 32,110-39,178 /() 68,142 155,987 66,144 16,655 (203,467) (1,437) 102,024 1,024 8,320 2,577 206 454 395 12,976 3,876,713 6,227,945 2,519,534 1,719,471 3,267,867 99,461 17,710,991 (401,198) (382,061) (207,503) (141,873) (164,084) - (1,296,719) (1,099,666) (2,406,253) (938,915) (586,988) (1,446,230) (52,243) (6,530,295) (913,349) (639,662) (41,508) (77,258) (5,193,541) - (6,865,318) (4,834) (5,157) (30,279) (699) 15,933 (16,467) (41,503) (2,419,047) (3,433,133) (1,218,205) (806,818) (6,787,922) (68,710) (14,733,835) 1,457,666 2,794,812 1,301,329 912,653 (3,520,055) 30,751 2,977,156 : 1,961 155,884 12,472 5,532 13,361 5,366 194,576 : 6,455 (53,992) (14,672) (8,560) (17,284) (48) (88,101) 1,466,082 2,896,704 1,299,129 909,625 (3,523,978) 36,069 3,083,631 114,084 304,362 92,088 42,378 3,278 227,175 783,365 47,660 174,231 57,261 35,819 185,161 4,018 504,150 133

52 () () 2009 172,171,339 215,132,447 118,934,697 87,460,136 279,667,131 3,869,798 877,235,548 (210,748,924) 666,486,624 (168,905,327) (209,909,973) (116,563,940) (84,686,129) (271,241,608) (3,738,540) (855,045,517) 210,748,924 (644,296,593) 2008 128,135,504 188,876,677 98,124,932 65,417,516 221,101,777 3,524,171 705,180,577 (159,165,228) 546,015,349 (125,033,063) (183,425,888) (95,668,667) (62,893,688) (215,127,570) (3,429,986) (685,578,862) 159,165,228 (526,413,634) 53 : 134

53 () () : (1) : : : : : : : - - - - : - - 135

53 () (1) () - - : 2009 () 136

53 () (1) () (a) : 2009 2008 80,308,299 61,385,225 10,458,671 3,785,583 8,818,421 16,412,333 1,564,846 2,999,080 104,787 156,376 90,113,168 64,851,478 2,414,746 2,612,876 366,635,269 298,338,237 40,686,236 39,803,998 41,414,743 30,770,132 5,379,100 6,377,428 7,992,173 9,715,299 655,890,459 537,208,045 37,839,468 28,066,636 141,422,646 102,045,320 179,262,114 130,111,956 835,152,573 667,320,001 137

53 () (1) () (b) 2009 90 90 180 180 7,833,696 1,289,780 3,611,127 121,663 64,263 367,954,490 380,875,019 : (3,662,247) (1,209,934) (224,239) (7,272) (3,699) (9,132,359) (14,239,750) 4,171,449 79,846 3,386,888 114,391 60,564 358,822,131 366,635,269 2008 90 90 180 180 7,727,021 1,142,701 4,732,972 783,774 826,784 296,485,254 311,698,506 : (3,746,516) (1,037,835) (306,023) (50,677) (53,458) (8,165,760) (13,360,269) 3,980,505 104,866 4,426,949 733,097 773,326 288,319,494 298,338,237 : : 2009 2008 2,128,955 2,294,567 1,024,440 857,129 3,153,395 3,151,696 : 2009 2008 890,310 982,388 77,938 947,592 968,248 1,929,980 138

53 () (1) () (c) 2009 2008 % % - 80,624,208 21.17 32 60,427,548 19.39 32-53,220,534 13.97 32 38,167,253 12.25 35-49,539,478 13.01 15 16,082,883 5.16 9-19,048,232 5.00 7 13,707,018 4.40 14-27,687,751 7.27 65 16,347,974 5.24 64-14,730,888 3.87 16 9,317,377 2.99 33-12,466,043 3.27 28 12,060,430 3.87 28-5,952,307 1.56 3 2,104,565 0.68 3-2,993,118 0.79 34 2,099,325 0.67 35-15,528,389 4.08 29 21,707,858 6.96 20 281,790,948 73.99 29 192,022,231 61.61 30 71,530,758 18.78 74 50,714,131 16.27 68 353,321,706 92.77 38 242,736,362 77.88 38 27,553,313 7.23-68,962,144 22.12-380,875,019 100.00 35 311,698,506 100.00 30 : (14,239,750) (13,360,269) 366,635,269 298,338,237 139

53 () (1) () (d) 2009 2008 % % 51,954,157 13.64 25 69,149,940 22.18 11 50,197,958 13.18 22 31,248,516 10.03 14 44,708,246 11.74 39 38,739,714 12.43 42 36,399,393 9.56 33 24,837,045 7.97 32 28,617,608 7.51 25 19,439,467 6.24 21 28,098,897 7.38 35 18,434,861 5.91 34 19,946,702 5.24 59 18,959,838 6.08 56 17,026,068 4.47 49 15,987,620 5.13 40 16,735,900 4.39 32 10,752,103 3.45 30 15,091,100 3.96 44 12,085,074 3.87 28 14,603,072 3.83 21 7,375,149 2.37 19 57,495,918 15.10 48 44,689,179 14.34 46 380,875,019 100.00 35 311,698,506 100.00 30 : (14,239,750) (13,360,269) 366,635,269 298,338,237 (e) 2009 1,000 10,458,671 8,818,421 90,113,168 109,391,260 : (1,000) - - - (1,000) - 10,458,671 8,818,421 90,113,168 109,390,260 140

53 () (1) () (e) () 2008 10,685 3,785,583 16,412,333 64,851,478 85,060,079 : (10,685) - - - (10,685) - 3,785,583 16,412,333 64,851,478 85,049,394 (f) : 2009 2008 68,282 68,346 (40,657) (40,775) 27,625 27,571 AAA - 25,269 AA- AA+ 64,954 74,930 A- A+ 202,700 136,516 A- 359,674 512,575 627,328 749,290 AAA 87,307,889 79,073,440 AA- AA+ 629,265 - A- A+ 452,818 100,337 88,389,972 79,173,777 89,044,925 79,950,638 141

53 () (2) () (a) : (i) (ii) (iii) (iv) (v) 142

53 () (2) () (a) () : (i) (ii) (iii) 2009 2008 2009 2008 () +100 (287,894) (212,913) (142,644) (222,317) -100 287,894 212,913 142,644 222,317 : (i) (ii) (iii) 143

53 () (2) () (a) () (): 2009 ((i)) 3 3 1 1 5 5 1.45% 2,621,638 79,968,678 - - - 82,590,316 1.79% - 16,450,712 2,758,098 68,282-19,277,092 1.77% - 60,600,148 29,513,020 - - 90,113,168 5.21% - 138,934,270 227,689,972 11,027-366,635,269 2.99% 150,777 15,630,707 35,985,699 33,826,037 3,602,482 89,195,702 11,715,098 196,779 214,728 6,548,472-18,675,077 14,487,513 311,781,294 296,161,517 40,453,818 3,602,482 666,486,624 2.36% - (41,596,237) - (11,800,000) - (53,396,237) 1.23% - (24,227,713) (8,546,157) - - (32,773,870) 1.66% (560,336) (330,068,276) (150,276,241) (59,239,300) (3,746,246) (543,890,399) 6.11% - - (700,000) (4,300,000) - (5,000,000) (8,719,026) (302,336) (214,725) - - (9,236,087) (9,279,362) (396,194,562) (159,737,123) (75,339,300) (3,746,246) (644,296,593) 5,208,151 (84,413,268) 136,424,394 (34,885,482) (143,764) 22,190,031 2008 ((i)) 3 3 1 1 5 5 1.75% 2,416,946 61,217,552 - - - 63,634,498 3.60% 881,165 14,946,180 4,370,571 - - 20,197,916 4.30% - 60,520,800 4,330,678 - - 64,851,478 7.91% - 120,344,519 177,978,562 406 14,750 298,338,237 4.47% 81,709 12,941,483 30,354,276 32,682,035 3,972,844 80,032,347 2.68% 10,097,454 70,112 63,000 8,730,307-18,960,873 13,477,274 270,040,646 217,097,087 41,412,748 3,987,594 546,015,349 3.17% - (40,017,368) (9,100,000) (13,800,000) - (62,917,368) 4.17% - (42,911,061) (1,360,000) - - (44,271,061) 2.32% (421,253) (266,538,779) (97,622,535) (39,568,936) (503,207) (404,654,710) 6.11% - - (700,000) (4,300,000) - (5,000,000) (9,570,495) - - - - (9,570,495) (9,991,748) (349,467,208) (108,782,535) (57,668,936) (503,207) (526,413,634) 3,485,526 (79,426,562) 108,314,552 (16,256,188) 3,484,387 19,601,715 (i) / / 144

53 () (2) () (b) () ( ) 2009 2008 2009 2008 1% 18,800 19,500 4,419 4,084 1% (18,800) (19,500) (4,419) (4,084) : (i) (ii) (iii) () 100 145

53 () (2) () (b) () : 2009 81,851,783 457,103 167,088 114,342 82,590,316 12,925,225 3,945,101 1,531,296 875,470 19,277,092 90,113,168 - - - 90,113,168 357,117,868 6,855,881 2,198,020 463,500 366,635,269 88,254,925 915,131-25,646 89,195,702 18,046,534 475,329 12,164 141,050 18,675,077 648,309,503 12,648,545 3,908,568 1,620,008 666,486,624 (52,357,483) (634,296) (404,458) - (53,396,237) (32,773,870) - - - (32,773,870) (528,502,086) (9,880,215) (4,151,402) (1,356,696) (543,890,399) (5,000,000) - - - (5,000,000) (8,432,673) (466,283) (154,182) (182,949) (9,236,087) (627,066,112) (10,980,794) (4,710,042) (1,539,645) (644,296,593) 21,243,391 1,667,751 (801,474) 80,363 22,190,031 3,158,643 4,897,292 1,126,539 716,745 9,899,219 (4,591,019) (4,047,676) (392,955) (837,794) (9,869,444) (1,432,376) 849,616 733,584 (121,049) 29,775 146

53 () (2) () (b) () 2008 62,769,883 543,828 236,534 84,253 63,634,498 11,924,486 5,858,506 1,572,919 842,005 20,197,916 64,851,478 - - - 64,851,478 292,446,275 4,438,137 1,386,641 67,184 298,338,237 78,828,253 774,216 2,646 427,232 80,032,347 18,800,393 75,243 14,797 70,440 18,960,873 529,620,768 11,689,930 3,213,537 1,491,114 546,015,349 (62,329,872) (357,460) (152,831) (77,205) (62,917,368) (44,271,061) - - - (44,271,061) (391,847,500) (7,890,470) (3,684,138) (1,232,602) (404,654,710) (5,000,000) - - - (5,000,000) (9,163,168) (181,574) (158,061) (67,692) (9,570,495) (512,611,601) (8,429,504) (3,995,030) (1,377,499) (526,413,634) 17,009,167 3,260,426 (781,493) 113,615 19,601,715 2,786,165 3,527,465 1,270,007 1,255,711 8,839,348 (2,978,658) (4,354,317) (286,629) (1,215,377) (8,834,981) (192,493) (826,852) 983,378 40,334 4,367 53 () (3) 147

53 () (3) () (a) : 2009 / 3 1 5 3 1 5 : 63,311,280 19,279,036 - - - - 82,590,316-3,210,986 13,239,726 2,758,098 68,282-19,277,092 - - 60,600,147 29,513,021 - - 90,113,168 (i) 2,455,078 16,114,157 55,106,342 151,260,511 74,139,276 67,559,905 366,635,269 - - - - 389,673 1,175,173-1,564,846-146,677-6,806,692 17,107,098 15,794,422 978,024 40,832,913 - - - 1,680,265 5,936,126 28,044,106 5,754,246 41,414,743 - - - 195,563 3,982,326 1,201,211-5,379,100-4,100 - - - - - 4,100 8,151,994 528,739 1,658,806 1,577,304 6,757,547 687 18,675,077 74,069,129 39,132,918 139,287,541 212,524,157 127,180,017 74,292,862 666,486,624 (i) 2009 / 3 1 5 3 1 5 : - (17,656,260) (23,939,977) - (11,800,000) - (53,396,237) - - (24,227,713) (8,546,157) - - (32,773,870) - (247,187,372) (83,441,240) (150,276,241) (59,239,300) (3,746,246) (543,890,399) - - - - (5,000,000) - (5,000,000) - (829,439) (5,665,769) (1,977,986) (704,719) (58,174) (9,236,087) - (265,673,071) (137,274,699) (160,800,384) (76,744,019) (3,804,420) (644,296,593) 74,069,129 (226,540,153) 2,012,842 51,723,773 50,435,998 70,488,442 22,190,031 - - - 4,806,919 5,104,388 1,036-9,912,343 148

53 () (3) () (a) () 2008 / 3 1 5 3 1 5 : 46,752,223 16,882,275 - - - - 63,634,498-3,368,212 12,459,133 4,370,571 - - 20,197,916 - - 60,520,800 4,330,678 - - 64,851,478 (i) 4,728,573 13,646,362 58,920,727 158,123,077 28,375,040 34,544,458 298,338,237 - - - 34,172 1,580,099 1,115,536 269,273 2,999,080-77,609-3,367,665 11,451,627 24,211,009 773,697 39,881,607 - - - - - 23,736,871 7,033,261 30,770,132 - - - 351,806 1,219,266 4,806,356-6,377,428-4,100 - - - - - 4,100 7,185,480 297,814 1,400,275 1,174,617 8,901,245 1,442 18,960,873 58,747,985 34,194,663 137,054,578 182,249,935 91,146,057 42,622,131 546,015,349 (i) 2008 / 3 1 5 3 1 5 : - (29,649,132) (10,368,236) (9,100,000) (13,800,000) - (62,917,368) - - (42,911,061) (1,360,000) - - (44,271,061) - (200,457,471) (66,502,561) (97,622,535) (39,568,936) (503,207) (404,654,710) - - - - (5,000,000) - (5,000,000) (784,422) (698,056) (4,413,029) (3,160,664) (514,324) - (9,570,495) (784,422) (230,804,659) (124,194,887) (111,243,199) (58,883,260) (503,207) (526,413,634) 57,963,563 (196,609,996) 12,859,691 71,006,736 32,262,797 42,118,924 19,601,715 - - - 20,000 80,000 - - 100,000 - - - 4,128,082 4,616,441 - - 8,744,523 149

53 () (3) () (b) 2009 / 3 1 /() 3 1 5 5 : : 82,590,316 82,590,316 63,311,280 19,279,036 - - - - 19,277,092 19,348,349-3,210,986 13,277,654 2,790,811 68,898-90,113,168 90,521,001 - - 60,705,740 29,815,261 - - 366,635,269 406,563,231 2,505,435 16,114,164 55,479,619 156,143,554 88,021,236 88,299,223-1,564,846 1,634,187 - - 31,565 410,831 1,191,791 - - 40,832,913 42,567,530 146,677-7,159,652 17,914,721 16,258,031 1,088,449-41,414,743 46,878,567 - - 1,891,901 6,730,886 31,822,224 6,433,556-5,379,100 5,846,007 - - 223,013 4,218,583 1,404,411 - - 4,100 4,100 4,100 - - - - - 10,418,296 10,719,367-528,739 1,595,489 1,719,014 6,875,438 687 658,229,843 706,672,655 65,967,492 39,132,925 140,364,633 219,743,661 145,642,029 95,821,915 2009 / 3 1 /() 3 1 5 5 : : (53,396,237) (54,629,845) - (17,655,260) (24,078,578) (340,710) (12,555,297) - (32,773,870) (32,798,686) - - (24,243,651) (8,555,035) - - (543,890,399) (548,586,535) - (247,187,372) (83,557,445) (151,702,944) (62,079,493) (4,059,281) (5,000,000) (6,206,920) - - - (301,730) (5,905,190) - (9,161,680) (9,166,573) - (829,439) (5,623,589) (1,950,652) (704,719) (58,174) (644,222,186) (651,388,559) - (265,672,071) (137,503,263) (162,851,071) (81,244,699) (4,117,455) : - 9,898,540 - - 4,807,596 5,089,908 1,036 - - (9,868,691) - - (4,785,771) (5,081,888) (1,032) - 29,849 - - 21,825 8,020 4-150

53 () (3) () (b) () 2008 / 3 1 /() 3 1 5 5 : : 63,634,498 63,634,498 46,752,223 16,882,275 - - - - 20,197,916 20,470,564-3,368,212 12,548,747 4,553,605 - - 64,851,478 65,193,636 - - 60,759,984 4,433,652 - - 298,338,237 327,018,179 4,746,179 13,648,876 59,453,012 164,946,141 35,485,716 48,738,255-2,999,080 3,192,163 - - 41,179 1,667,400 1,180,711 302,873-39,881,607 41,960,704 77,609-3,739,701 12,538,871 24,773,032 831,491-30,770,132 35,805,577 - - 241,654 1,084,816 26,784,163 7,694,944-6,377,428 7,079,284 - - 515,348 1,346,777 5,217,159 - - 4,100 4,100 4,100 - - - - - 12,342,266 12,872,701 297,814 566,872 1,400,280 1,410,340 9,195,953 1,442 539,396,742 577,231,406 51,877,925 34,466,235 138,699,905 191,981,602 102,636,734 57,569,005 2008 / 3 1 /() 3 1 5 5 : : (62,917,368) (65,171,178) - (29,649,132) (10,566,040) (9,713,164) (15,242,842) - (44,271,061) (44,355,523) - - (42,933,956) (1,421,567) - - (404,654,710) (409,109,595) - (200,457,471) (66,930,440) (98,815,936) (42,343,939) (561,809) (5,000,000) (6,508,650) - - - (301,730) (6,206,920) - (9,420,157) (9,420,157) (634,084) (698,056) (4,413,029) (3,160,664) (514,324) - (526,263,296) (534,565,103) (634,084) (230,804,659) (124,843,465) (113,413,061) (64,308,025) (561,809) : (107) - - (107) - - - - - 8,738,733 - - 4,172,565 4,566,168 - - - (8,734,258) - - (4,169,837) (4,564,421) - - 4,475 - - 2,728 1,747 - - 151

53 () (3) () (c) : : 1 3 1 1 3 1 5 5 2009 12 31 31,185,616 23,680,471 50,842,185 62,197,835 4,991,527 6,364,480 179,262,114 2008 12 31 28,711,534 17,250,993 31,824,103 47,860,828 2,745,020 1,719,478 130,111,956 (4) (5) 2009 2008 2009 2008 5,379,100 6,377,428 5,462,034 6,583,864 41,414,743 30,770,132 41,378,751 31,382,938 46,793,843 37,147,560 46,840,785 37,966,802 5,000,000 5,000,000 5,137,696 5,370,000 152

53 () (5) () (i) (ii) / () (iii) ( ) (iv) (v) (vi) (6) :(1) (2)(3) (4)(5) 50% () 8% 4% 100% 50% 153

53 () (6) () <>([2007]11 ) : 2009 () 34,284 : 21,482 381,904 8.98% 5.62% 54 (1) () (2) 5% : 2009 (%) CITIGROUP INC. 2,395,769 20.00% 2,395,769 20.00% 2,395,769 20.00% 2,395,769 20.00% 154

54 () (2) () 2008 (%) CITIGROUP INC. 2,281,685 20.00% 2,281,685 20.00% 2,281,685 20.00% 2,281,685 20.00% 2009 2008 438,169 272,350 ((i)) 154,500 182,402 ((ii)) 1,600,000-2,641-7,541,928 7,379,139 99,018 113,964 22,890 9,620 2009 2008 9,406 14,679 324,533 398,093 19,537 37,218-66,086 ((iii)) 13,231 14,616 (i) (ii) (iii) CITIGROUP INC. (3) 2009 2008 ((i)) 90,000 34,000 2009 2008 2,844 2,554 (i) 155

54 () (4) 2009 2008 2,649 6,745-35,490 2009 2008 8 58 ((i)) 260,731 217,107 (i) (5) 42(i) 54(3) 55 2010 3 23 2009 10% 3.39 2009 12 31 1% 9.38 56 156

: 83 :020-38322888 :020-87310779 :510080 :1 :1,181 ():279,668 : 47 :025-83305888() :025-83321515 :210009 :20 :577 ():53,250 : 2 :010-65269966() :010-65266728 :100005 :29 :874 ():81,587 : CBD 10 :0371-68599907 :0371-68599908 :450046 :24 :715 ():47,864 : 555 :021-63022233() :021-63901929 :200023 :21 :547 ():62,179 : 2 :0871-4192153 :0871-4177444 :650034 :19 :497 ():22,579 : 516 :0571-87019888() :0571-87917852 :310006 :30 :1,119 ():56,742 : 227 : 024-23985789() :024-31303301 :110016 :13 :384 ():21,569 157

: 3 :0411-82553000() :0411-82553258 :116001 :15 :594 ():15,779 : 123 19-22 :0755-82380048 82380005 82380009 :0755-82380002 :518001 :28 :910 ():36,884 : 8 : 027-85354567() :027-85354848 :430015 :10 :311 ():14,411 : 6 :0769-22477888() :0769-22456654 :523008 :54 :1,152 ():33,768 : 826 : 0731-88336789 :0731-88335788 :410005 :1 :68 ():2,606 : 29 :0757-83357698 :0757-83359356 :528000 :36 :815 ():25,503 : 3 :020-83573188() :020-83503050 :510091 :56 :1,268 ():38,739 : 68 :0756-3250900() :0756-3250700 :519015 :12 :308 ():14,573 158

: 19 :0752-2119898() :0752-2119888 :516001 :19 :387 ():11,036 : 75 :0758-2313023 :0758-2313013 :526040 :17 :310 ():7,685 : :0754-8262689 :0754-8262489 :515041 :28 :595 ():9,328 : 159 :0668-2916688() :0668-2286313 :525000 :14 :292 ():5,845 : 49 :0750-3288388() :0750-3354276 :529000 :20 :461 ():8,567 : 22 :0759-3366558 :0759-3313285 :524032 :13 :287 ():4,292 : 55 :0760-88861998() :0760-88861968 :528403 :14 :292 ():8,056 : 41 :0753-2242068 2242273 2247501 :0753-2243595 :514021 :5 :145 ():3,236 159

: 3 :0763-3855009 :0763-3855010 :511515 :6 :108 ():2,908 : 38 :0662-3367725 :0662-3367627 :529500 :5 :93 ():2,182 : 19 :0762-3168600() :0762-3168604 :517000 :6 :95 ():1,715 : 41 :0751-8177989 :0751-8763208 :512025 :2 :48 ():855 : 181-187 () 18 :00853-28750328() :00853-28750728 :4 :89 ():3,870 () : :022-58373901 :022-58373902 :300042 : 2 :010-65266741 :010-65266742 :100005 : 3002 :00852-28101213() :00852-25300123 160