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Huishang Bank Corporation Limited (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) 1933 (l) 32 * 155

2005 20121231 3,2421,6382,395 2010 201227.02 43.0626.2%25.9% 2010 2012 2012 1.48%22.93% 2010 2012 20121231 0.58%0.81%406.00% 332.15% 2013630 19916 2010 201212.7% 1

2012 305 27 2012 (Bankrate, Inc.) 2012 20 21 2012 2010 2010 2009 2008 2006 2010 2012GDP8.5% GDP12.8% 2012111 2,65054.9% 201043.2%201246.5% 2010 2012 2

15.4% 2010 2012 21.2%19.3%18.5%18.4%15.0%13.4% 3

2010201120121231201220136 30201020112012123120136 30 1231 630 2010 2011 2012 2012 2013.......................................... 8,256 11,253 15,161 6,886 9,080.......................................... (2,239) (4,164) (6,592) (2,751) (4,356)........................................ 6,017 7,089 8,569 4,135 4,724................................. 294 461 452 191 329................................. (43) (48) (56) (18) (36)............................... 251 413 396 173 293............................... (32) 52 40 94 29........................... (32) 30 67 51 4.......................................... 0 2 0 0...................................... 66 65 163 71 68 (1)........................................ 6,270 7,651 9,235 4,524 5,118.......................................... (2,203) (2,500) (3,132) (1,404) (1,511)...................................... (578) (579) (458) (265) (424).......................................... 3,489 4,572 5,645 2,855 3,183............................... 13 32 35 12 24.......................................... 3,502 4,604 5,680 2,867 3,207............................................ (800) (1,111) (1,374) (714) (755)................................. 2,702 3,493 4,306 2,153 2,452 (1) 1231 630 2010 2011 2012 2012 2013..................... 4,080 65.1% 4,823 63.0% 5,333 57.8% 2,676 59.1% 3,003 58.7%..................... 1,395 22.3 1,892 24.7 2,394 25.9 1,148 25.4 1,402 27.4......................... 729 11.5 871 11.4 1,345 14.6 629 13.9 645 12.6............................. 66 1.1 65 0.9 163 1.7 71 1.6 68 1.3......................... 6,270 100.0% 7,651 100.0% 9,235 100.0% 4,524 100.0% 5,118 100.0% 4

1231 630 2010 2011 2012 2013.................... 117,034 137,413 163,795 183,057............................... (2,976) (3,490) (3,853) (4,191).................... 114,058 133,923 159,941 178,866...................... 10,543 5,317 38,198 92,281................ 43,663 47,812 57,056 68,936................ 34,580 55,829 57,649 59,650............ 1,496 7,076 3,834 4,167............ 1,237 3,581 2,813 893............................... 3,399 3,444 4,733 4,794................................. 208,976 256,982 324,224 409,587............................... 159,582 203,580 239,543 252,137...................... 20,798 16,185 47,883 100,670............ 9,822 9,323 5,965 19,700............................... 3,991 3,992 8,985............ 1,263 3,535 898 903............................... 3,154 3,284 5,462 5,005............................... 194,619 239,898 303,743 387,401............................... 14,357 17,084 20,481 22,186 5

1231 630 2010 2011 2012 2012 2013 (1)(2)(12)........... 1.29% 1.36% 1.33% 1.36% 1.20% (2)(3)(12)....... 1.46% 1.50% 1.48% 1.51% 1.34% (2)(4)(12)........... 18.82% 20.44% 21.03% 23.16% 22.10% (2)(5)(12)....... 19.89% 22.22% 22.93% 24.14% 22.99% (2)(6)(12)................. 3.09% 3.00% 2.88% 3.05% 2.46% (2)(7)(12)........... 3.19% 3.17% 3.03% 3.25% 2.65% (12)............ 4.04% 7.35% 7.21% 8.60% 7.70% (8)(12).............. 35.1% 32.7% 33.9% 31.0% 29.5% 1231 630 930 2010 2011 2012 2013 2013 (13)........... 11.19% 10.87% 10.30% 9.24% (18) 9.55% (18) (13)................ 12.06% 14.68% 13.54% 11.90% (18) 12.22% (18) (12)....... 6.87% 6.65% 6.32% 5.42% 6.18% (17) (9)(12)(13)............ 0.60% 0.48% 0.58% 0.64% 0.58% (17) (10)(12)..... 426.80% 533.33% 406.00% 359.82% 376.81% (17) (11)(12)....... 2.54% 2.54% 2.35% 2.29% 2.19% (17) (12).................... 73.34% 67.50% 68.38% 72.60% 73.99% (17) (13)(14).............. 35.81% 38.48% 35.17% 36.12% 27.17% (13)(15)............ 62.86% 64.50% 57.05% 50.40% 58.80% (13)(16).......... (3.14%) 9.12% (10.10%) (1.22%) (8.58%) (1) (2) 20122013630 (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) 9090 90 (17) 2410 (18) 201267201311 6

201293067.4112.3%2013 75.73(i)2012930 62.9512.3%201370.66 (ii)20129302.5659.0% 20134.08 20139301,913.542013630 1,830.574.5%20139302,586.29 20136302,521.372.6% 2013930231.142013630 221.864.2%20136304,095.878.7%2013 9303,741.04 2013930 2013630922.81 47.1%2013930488.522013630 1.006.7040.5%2013930598.85 20136300.64%20139300.58% 2013 630359.82%2013930376.81% 2013930 2410 2013630 2010201120128.178.17 8.170.10.10.1 2013710 7

(i)(ii) (iii)(iv) 8

2013710 201389 ATM 155 I 1988 II 20046 III 201012 CAGR 9

20099 2012201212 31144 32 20051231 200611 2013719 1.00 (i)(ii)(iii)(iv) (v) 10

GDP 2011 618 20131023 17 11

2011 618 1,000 4 3002,000 2011 618 1,000 4 20300 12

201267 201311 46.1.5(g) 20031227 200421 1995510 199571 19931229 19947 1 13

1995318 199744 3110 ROAA ROAE 571 14

2011 618 1,000 4 20300300 2,000 20111114 1933 2010159 15

12 16

20102011201212312013630 1,170.341,374.131,637.951,830.57 0.60%0.48%0.58%0.64% 201012311,595.8227.6%20111231 2,035.8017.7%201212312,395.4320136 302,521.37 18

201363088.5% 58.5% 2013630 31.3% 20102011201212312013630 20102011201212312013630 29.7634.9038.5341.91 426.80%533.33%406.00%359.82%2010 2011201220136305.82 5.984.694.25 19

39 20102011201212312013630 74.8%73.0%71.3%71.7%2013630 30.6%30.2%2013630 64.3%30.0% 201363014.1% 6.4% 201363094.40 33.2%145.04 50.9% 2010201120121231 201363079.2%77.5%75.4% 75.3% 20

2013630235.66 12.9% 2013630 2.83 2013 630 20137 21

2013630 66.851.6%27.00 0.7% 22

2013 6.5% 7.5%9.5% 5.5%6.5%8.5% 201020112012 123112.06%14.68%13.54% 11.19%10.87%10.30%2013630 9.24%9.25%11.90% 2010201120122013630 62.7076.5192.3551.1820102011 2012123120136301,170.34 23

1,374.131,637.951,830.57 GDP 2013630 49.6%10.8%32.2% 24

20136307.4% 20064 201550% 20101 59 25

201363092.8%93.5% 2009 20102011201212312013630 96.0%92.6%92.8%92.3% 26

20111 27

2009 28

2013630585.38 201363022615,193 201363095810 9546,160,797810 4,246,741 29

[] 14017.55 201363025615.56 924.23 201371 30

2003 32

2010201120122013630 96.0%92.6%92.8%92.3% 201267 3.25%3.00%201268 110%2013720 33

5% 5% 5% 34

9 39 (IASB)200911201010 939 2015119 39 39 35

2008 201020112012 GDP10.4%9.3%7.8% 2070 36

[] [][] 200881 37

19942005720 2005721 2%2012416 1.0% 38

H5N1H1N1H7N9 39

............. 192402............. 81910............. 24401............. 121505............. 132............. 772301............... 201306............. 5031105............... 28504............... 212 40

............... 55114B............. 324602............. 35812103............. 21 701............. 113109............... 2051506............. 15307............... 79 17............. 1565506 41

............. 411703............... 27 41302............. 11842102.......................... 255 183601 42

79 A 79 A 183 393907 08 http://www.hsbank.com.cn FCIS, FCS (PE), CPA, FCCA 2 4 401 183 393907 08 43

2070 20072012GDP14.3%265,810 519,32020072012 13,78624,565 12.2%GDP 2007 2008 2009 2010 2011 2012 2007 2012 GDP.......... 26,581 31,405 34,090 40,151 47,310 51,932 14.3% GDP %..................... 22.9 18.1 8.6 17.8 17.8 9.8 GDP.......... 10,693 11,724 12,804 14,141 15,456 16,661 9.3% GDP %..................... 14.2 9.6 9.2 10.4 9.3 7.8.............. 13,786 15,781 17,175 19,109 21,810 24,565 12.2% %............... 17.2 14.5 8.8 11.3 14.1 12.6 201332007 20122012 45

2006 GDP20075.32012 11.617.1%14.3% 13.9%20102012 13.9%13.4%12.7% 2010 2012GDP12.8% 201015,788 201221,02415.4%2010 201217.0%2012 15,060201124.2% 20126,900 200738.7%201246.5% 201550% GDP 2007 2008 2009 2010 2011 2012 2007 2012 GDP.... 736 885 1,006 1,236 1,530 1,721 18.5% GDP%......... 20.4 20.3 13.7 22.8 23.8 12.5 GDP%......... 14.2 12.7 12.9 14.6 13.5 12.1.......... 511 679 926 1,185 1,213 1,506 24.1%.............. 11,474 12,990 14,086 15,788 18,606 21,024 12.9% %............... 17.4 13.2 8.4 12.1 17.8 13.0 46

20072012 GDP200744.7%201254.6% 20122000 201116.2% 201125.3%16.5% 2010201221.2% 18.4%17.4%19.3% 15.0%13.2%18.5%13.4% 12.8% 20064 20099 20128 2015 10%50% 47

20101 2012GDP 66% 2012111 2,65054.9% 2015 2070 (i)(ii) (iii)(iv) 2090 20082012 48

20.0%18.4% 1231 2007 2008 2009 2010 2011 2012 2007 2012.......... 26,169 30,339 39,968 47,920 54,795 62,991 19.2%.......... 38,937 46,620 59,774 71,824 80,937 91,755 18.7%.... 220 244 379 453 539 684 25.5%.... 160 179 209 229 275 406 20.5% 20121231 % 2007 2012 % % 2007 2012 % %......... 5 60,040 44.9 16.1 3,952 45.6 20.1 755 49.9..... 12 23,527 17.6 26.5 1,314 15.2 31.1 253 16.7.............. 144 12,347 9.2 29.9 808 9.3 33.8 137 9.1 (1)........ 2,411 15,512 11.6 22.0 996 11.5 30.1 161 10.6 (2)............ 42 2,380 1.8 13.7 256 2.9 16.9 16 1.1 (3)............ 1,133 19,798 14.8 22.7 1,345 15.5 19.8 190 12.6...................... 3,747 133,605 100.0 20.3 8,671 100.0 23.3 1,512 100.0 2012 (1) (2) (3) 1995 49

1997 201220121231144 200712316.3%3.3201212319.2% 12.329.9% 2005 20072012 2007 2008 2009 2010 2011 2012................................... 3,341 4,132 5,680 7,853 9,985 12,347................................... 3,152 3,865 5,321 7,370 9,320 11,540............................... 188 267 359 482 664 808............................... 25 41 50 77 108 137........................... 3.0% 2.3% 1.3% 0.9% 0.8% 0.8% 2012 2007 2008 2009 2010 2011 2012 %...................... 0.94 1.16 1.09 1.17 1.32 1.33.................. 0.89 1.04 0.90 1.02 1.20 1.21........................... 0.84 1.09 1.01 1.14 1.21 1.22 (1)..................... 0.58 0.62 0.65 0.72 1.04 1.13........................... 0.56 0.92 0.48 0.50 0.86 0.72 (2)......................... 1.26 0.65 0.68 0.77 0.94 1.05................................... 0.92 1.00 0.94 1.03 1.20 1.22 2012 (1) 50

(2) 20072012 2007 2008 2009 2010 2011 2012 %...................... 8.0 2.8 1.8 1.3 1.1 1.0.................. 2.1 1.3 1.0 0.7 0.6 0.7........................... 3.0 2.3 1.3 0.9 0.8 0.8........................... 4.0 3.9 2.8 1.9 1.6 1.8........................... 0.5 0.8 0.9 0.5 0.4 0.5................................... 6.1 2.4 1.6 1.1 1.0 1.0 2007 2012 201220121231157 20122012 18.7% 201220121231 2011123121.6%21.4%2012 1231 (1) % %........... 5 1,248 42.0 1,230 42.8....... 8 297 10.0 291 10.1............... 4 331 11.1 310 10.8 (2).......... 84 519 17.5 485 16.8............... 2 4 0.1 4 0.1 (3).............. 54 576 19.4 557 19.4........................ 157 2,974 100.0 2,877 100.0 2012 (1) (2) (3) 51

20121231 (1) (2) (1) (1) (2) (1) % %................................. 2,321 14 18.8 10 1,680 14 18.7 8................................. 2,416 13 15.0 23 1,321 19 17.2 12................................. 1,684 20 17.6 15 1,108 22 19.1 7................................. 3,197 10 19.4 6 2,030 11 15.0 23................................. 2,826 11 17.0 17 1,903 12 17.4 11................................. 2,315 15 19.1 7 1,565 15 16.2 15............................. 14,758 17.8 9,607 17.1................................. 94,310 14.1 67,288 15.6 2012 (1) 31 (2) 201211 GDP 2012GDP97.6% 129.6%20121231 GDP %........... 97.6 109.1 85.6 68.1 85.5 70.6 129.6.... 1,680 1,321 1,108 2,030 1,903 1,565 67,288 GDP.... 1,721 1,211 1,295 2,981 2,225 2,215 51,932 2012 2012 201210,0001.101.49 2012123110,000 10,000............ 1.10 1.71 1.41 1.27 1.22 1.38 1.49............... 6,612 6,168 6,345 11,948 7,035 9,164 202,000 (10,000)............ 5,988 3,611 4,504 9,406 5,779 6,639 135,404 2012 2012 201220121231 52

20121231 (1) (1) (1) (1) % % % % % (2)................ 242 15.3 167 16.5 6 17.9 0.6 314 17.8.............. 320 20.2 216 21.3 6 19.7 1.9 329 18.7.............. 267 16.8 174 17.2 5 14.5 0.5 280 15.9.................. 214 13.5 144 14.2 5 15.5 0.2 223 12.6.............. 273 17.2 128 12.6 5 15.9 0.8 285 16.2.................. 122 7.7 72 7.1 2 6.5 0.7 131 7.4.............. 41 2.6 33 3.2 1 2.3 0.3 50 2.9.............. 41 2.6 33 3.2 1 3.4 0.6 46 2.6.............. 34 2.2 27 2.7 1 2.2 0.5 51 2.9.................. 29 1.9 19 1.9 1 2.1 0.5 55 3.1...................... 1,583 100.0 1,013 100.0 32 100.0 1,763 100.0 2012 (1) (2) 1996 2007 SHIBORSHIBOR2013 720 53

2001 20079.4%201213.7% 2007 1231531,160201212311,336,220 20074,470201215,120 200712316.1%20121231 1.0% III201012 2011427 201267 54

201112315,000 98%2011GDP60% 2011123121.8 39.7% 201112312010123118.6% 14.3% 20072012 13,78624,56512.2% 2007123150,6802012 1231161,38018.2% 24.0% 2012201256% 66% 55

20102011201212312013630 20102011201212312013630 1 10% 58

59 5% 20132013 [2013]51

15% 20104 17 60% 1.12013226 20% 80% 70%50% 61

(i)(ii) 100%(iii)10%(iv) 1%(v) 2011 2012 201349 2013 100%80% 2013321 62

201371 201388 201137 2005924 2005924 2011828 63

2006417 2013325 35% 4% 2006125 64

2013 720 (1) 201268 (2)............................ 110%............................ (1) 2005317200681820068 192008102685%20081027 70%2010417 110%2013720 70% (2) 20041029 3,000 5 3,000 200681920127619 18 65

2006819 % 2006819.................................. 5.58 6.12 6.30 6.48 6.84 4.14 4.59 2007318.................................. 5.67 6.39 6.57 6.75 7.11 4.32 4.77 2007519.................................. 5.85 6.57 6.75 6.93 7.20 4.41 4.86 2007721.................................. 6.03 6.84 7.02 7.20 7.38 4.50 4.95 2007822.................................. 6.21 7.02 7.20 7.38 7.56 4.59 5.04 2007915.................................. 6.48 7.29 7.47 7.65 7.83 4.77 5.22 20071221................................. 6.57 7.47 7.56 7.74 7.83 4.77 5.22 2008916.................................. 6.21 7.20 7.29 7.56 7.74 4.59 5.13 2008109.................................. 6.12 6.93 7.02 7.29 7.47 4.32 4.86 20081030................................. 6.03 6.66 6.75 7.02 7.20 4.05 4.59 20081127................................. 5.04 5.58 5.67 5.94 6.12 3.51 4.05 20081223................................. 4.86 5.31 5.40 5.76 5.94 3.33 3.87 20101020................................. 5.10 5.56 5.60 5.96 6.14 3.50 4.05 20101226................................. 5.35 5.81 5.85 6.22 6.40 3.75 4.30 201129................................... 5.60 6.06 6.10 6.45 6.60 4.00 4.50 201146................................... 5.85 6.31 6.40 6.65 6.80 4.20 4.70 201177................................... 6.10 6.56 6.65 6.90 7.05 4.45 4.90 201268................................... 5.85 6.31 6.40 6.65 6.80 4.20 4.70 201276................................... 5.60 6.00 6.15 6.40 6.55 4.00 4.50 2006819 3 6 1 2 3 5 % 2006819.............. 0.72 1.80 2.25 2.52 3.06 3.69 4.14 2007318.............. 0.72 1.98 2.43 2.79 3.33 3.96 4.41 2007519.............. 0.72 2.07 2.61 3.06 3.69 4.41 4.95 2007721.............. 0.81 2.34 2.88 3.33 3.96 4.68 5.22 2007822.............. 0.81 2.61 3.15 3.60 4.23 4.95 5.49 2007915.............. 0.81 2.88 3.42 3.87 4.50 5.22 5.76 20071221............. 0.72 3.33 3.78 4.14 4.68 5.40 5.85 2008109.............. 0.72 3.15 3.51 3.87 4.41 5.13 5.58 20081030............. 0.72 2.88 3.24 3.60 4.14 4.77 5.13 20081127............. 0.36 1.98 2.25 2.52 3.06 3.60 3.87 20081223............. 0.36 1.71 1.98 2.25 2.79 3.33 3.60 20101020............. 0.36 1.91 2.20 2.50 3.25 3.85 4.20 20101226............. 0.36 2.25 2.50 2.75 3.55 4.15 4.55 201129............... 0.40 2.60 2.80 3.00 3.90 4.50 5.00 201146............... 0.50 2.85 3.05 3.25 4.15 4.75 5.25 201177............... 0.50 3.10 3.30 3.50 4.40 5.00 5.50 201268............... 0.40 2.85 3.05 3.25 4.10 4.65 5.10 201276............... 0.35 2.60 2.80 3.00 3.75 4.25 4.75 66

300 2013720 15 10 18.0% 67

2012519 % 2008125..................................................... 15.0 2008325..................................................... 15.5 2008425..................................................... 16.0 2008520..................................................... 16.5 2008615..................................................... 17.0 2008625..................................................... 17.5 2008925..................................................... 16.5 20081015.................................................... 16.0 2008125..................................................... 14.0 20081225.................................................... 13.5 2010118..................................................... 14.0 2010225..................................................... 14.5 2010510..................................................... 15.0 20101116.................................................... 15.5 20101129.................................................... 16.0 20101220.................................................... 16.5 2011120..................................................... 17.0 2011224..................................................... 17.5 2011325..................................................... 18.0 2011421..................................................... 18.5 2011518..................................................... 19.0 2011620..................................................... 19.5 2011125..................................................... 19.0 2012224..................................................... 18.5 2012518..................................................... 18.0 201311 8%4% = + 12.5 100% = + 12.5 100% 68

.................................................... 70% 50%....................... 50% 50%...................... 10% 85 69

0%..................... AA- (1) 20%.................... 50%.................... 100%................... AA- (1) AA- (1) (1) 201311 IIIII 70

= X 100% = X 100% = X 100%............................................................................ 12.5 12.5 71

201311 5.0%6.0%8.0% 2012 2012 2013 2014 2015 2016 2017 2018 6.5% 6.9% 7.3% 7.7% 8.1% 8.5% 7.5% 7.9% 8.3% 8.7% 9.1% 9.5% 9.5% 9.9% 10.3% 10.7% 11.1% 11.5% 5.5% 5.9% 6.3% 6.7% 7.1% 7.5% 6.5% 6.9% 7.3% 7.7% 8.1% 8.5% 8.5% 8.9% 9.3% 9.7% 10.1% 10.5% 2013630 9.24%9.25%11.90% 20187.5%8.5%10.5% 20% 20051212 72

20091018 7%5% 25%30% 200971 201267 2010912 201311201311 10%2022112010912 201311 20131120131110% 202211 20121129 201311 5.125% 201110 73

........................ 74

........ 1988I 8%2004II IIII 8%II (i) (ii) II II 201012 III III III 5%III0.5%6%8% 2.5%0 2.5% 75

1% 8.5%9.5%11.5% 7.5%8.5%10.5% 4% III1% 2013100% 2016100% 20132.5% 150% 20162018 III IIIII 76

1% 2%20% 30% 40% 60%100% 2.5% 150% 201320162016 2018 2012 2012330 1.5% 1.5%3% 30%60%100% 1.5%5 77

20102011201212312013930 % 1231 % 2010 2011 2012 2013 930............. (1) 25 35.81 38.48 35.17 27.17 (2) 60 62.86 64.50 57.05 58.80 (3) 10) (3.14) 9.12 (10.10) (8.58)............... (4) 4 0.43 0.34 0.34 0.32 (5) 5 0.60 0.48 0.58 0.58 15 12.07 9.04 7.18 7.19 (6) (7) 10 9.10 6.40 5.05 4.32 (8) 50 20.37 5.16 4.53 2.03............... (9) 20 0.13 0.10 0.08 0.13............... (10) 45 29.39 27.09 26.60 24.91 (11) 0.6 1.46 1.50 1.48 1.42 (12) 11 19.89 22.22 22.93 22.68........ (13) >100 375.76 466.11 391.25 374.29 (14) >100 471.92 579.43 463.32 428.12........... (15) 8 12.06 14.68 13.54 12.22 (16) 4 11.19 10.87 10.30 9.55 78

(1) = 100% (2) = 100%9090 12 (3) = 90100%90 9090 12 (4) = 100% (5) = 100% (6) = 100% (7) = 100% (8) = 100% (9) = 100% (10) = 100% (11) = 100% (12) = 100% (13) = 100% (14) = 100% (15) 2010201120121231= + + 12.5100%2013630= 100%. (16) = + 12.5100%20136 30 = 100% 2012123135.17% 201393027.17%(i) (ii) 79

20121231201393057.05%58.80% 20121231 (10.10)% (i)9090(ii) 9090 (1) (2) (3) 2013719 80

2010 2007 1% 1% 1% 81

5% 82

5% 20% 25% 25% (i) 83

(ii)(iii)(iv) (i) (ii)(iii) (iv)(v) (i) 84

(ii) (iii)(iv) 2011 85

2007 86

31 19974431 2.68 1998 2003101.5 1.1815 191,800,00020039 5 2005 57 20051228 200611 25 2007100.5 1.21 1.096.3 20087 0.7631.75 2008 1.3525 88

50 20081281.75 2009 201363016 199 2010 20119A20139 A20139 20136 3,28041% 29% 2013628 201212313,242 1,6382,395 89

2005 2007 1997 1 1000 2008 1000 2009 120% 2010 4,000 40% 20001000 2011 4015 2000 2012 3000 150 2013 283 225 328041% 29% 90

201363016,324321 97.22%16,0032.78%10% 0.00001%9.99%95 20136300.56% 20136300.0000003%0.006% 81020136300.05% 55.55% 2013630 1........................ 9.99% 2.................... 9.81% 3. (1)............. 8.42% 4............... 6.12% 5.......................... 5.44% 6...................... 4.46% 7........................ 3.47% 8.......................... 2.76% 9.................. 2.58% 10.................. 2.50% 55.55% 2013630 0.0043%0.42%1.42% 91

61.35% 35.87% 2.78% 41% (1)(2) (1).................................................... 10%.................................................. 10%........................................................ 9%....................................................................... 10%....................................................................... 10%....................................................................... 10% 2013630 29% (2) 29% 92

2005 20121231 3,2421,6382,395 2010 201227.02 43.0626.2%25.9% 2010 2012 2012 1.48%22.93% 2010 2012 20121231 0.58%0.81%406.00% 332.15% 2013630 19916 2010 201212.7% 2012 305 27 2012 Bankrate, Inc. 2012 20 21 2012 2010 2010 95

2009 2008 20062010 2012 GDP8.5%GDP 12.8% 2012 1112,650 54.9% 2013630 19919316 4101,202 96

2010 201251% 2013630201350201247 2013630700 25%52010 201225.5% 2013630 99075.3%54.0% 2013630 13.4%201324.4% 20.8% 20136307,200 95.7% 2013630 43 36050 97

201363015 2010 2012 201212310.58% 0.81%406.00%332.15% 0.56%96.9% 147.9% IIIII 2010 2012 26.2%201277 2010 2012 2012 98

5.18%3.03% 2012 7.16%6.59% 7.05%2012123175.4% 90%2012 20% 201212312,3959.7% 200820121231 53.9%43.6%2012 1.98%2.07% 2.32% 2010 201235.1%32.7%33.9% 30 20 99

20 100

101

1231 630 2010 2011 2012 2012 2013..................... 4,080 65.1% 4,823 63.0% 5,333 57.8% 2,676 59.1% 3,003 58.7%..................... 1,395 22.3 1,892 24.7 2,394 25.9 1,148 25.4 1,402 27.4......................... 729 11.5 871 11.4 1,345 14.6 629 13.9 645 12.6............................. 66 1.1 65 0.9 163 1.7 71 1.6 68 1.3......................... 6,270 100.0% 7,651 100.0% 9,235 100.0% 4,524 100.0% 5,118 100.0% 102

201020112012 65.1%63.0%57.8%2013630 58.7% 2010 201120121231875.501,003.37 1,168.0874.8%73.0%71.3%20136 301,311.8171.7% 20121231 10.4% 1231 630 2010 2011 2012 2013................ 47,731 54.5% 59,427 59.2% 63,731 54.6% 76,975 58.7%................ 39,819 45.5 40,910 40.8 53,077 45.4 54,206 41.3.................... 87,550 100.0% 100,337 100.0% 116,808 100.0% 131,181 100.0% 1231 630 2010 2011 2012 2013......................... 69,360 79.2% 77,765 77.5% 88,056 75.4% 98,801 75.3%...................... 18,190 20.8 22,572 22.5 28,752 24.6 32,380 24.7.................... 87,550 100.0% 100,337 100.0% 116,808 100.0% 131,181 100.0% 103

360 360 15400 360 2009 20092009 2010 2011 2011 201220102011 20121231693.60777.65 880.5620136307,200 988.01 2010201120121231181.90 104

225.72287.522013630327 323.80 20122013630 107.9988.55 11.767.68 1231 630 2010 2011 2012 2013............................. 83,748 75.5% 97,480 71.4% 107,041 66.9% 101,649 62.6%............................. 27,134 24.5 38,983 28.6 52,943 33.1 60,662 37.4.................... 110,882 100.0% 136,463 100.0% 159,984 100.0% 162,311 100.0% 20082012 20102011201212312013630 1,108.821,364.631,599.841,623.11 69.5%67.0%66.8%64.4% 20102011 20121.67 105

2.582.422013630 1.94201279.6% 20102011201264,757.50 69,674.9490,148.2318.0%2013630 46,076.7320126.1%2013 6309 20102011201223.84 31.7239.3228.4%2013630 24.50201232.2%2013630 2,000 2011 E+ 2013630453 2012 2011 201020112012 1.131.590.652013630 0.752012141.9% 106

201020112012 1,1002,1006,6002013630 5,500201299.5% 201020112012 3.60157.20291.60 201363074.66 201020112012 3003,6004,200274.2% 20136303,4002012 225.1% 2013 A 107

21 775 201363092,300 7,500 2013630206 2006 201363010 43 20136307,200988.01 201020112012 22.3%24.7%25.9%2013630 27.4% 20102011201212312013630249.29 306.16350.80418.45 21.3%22.3%21.4%22.9% 108

1231 630 2010 2011 2012 2013......................... 15,291 61.3% 19,474 63.6% 21,333 60.8% 25,753 61.5%......................... 7,723 31.0 9,762 31.9 11,985 34.2 13,870 33.2......................... 1,861 7.5 1,291 4.2 1,067 3.0 989 2.4........................... 54 0.2 89 0.3 695 2.0 1,233 2.9......................... 24,929 100.0% 30,616 100.0% 35,080 100.0% 41,845 100.0% 30 70%20102011201212312013630 152.91194.74213.33257.53 61.3%63.6%60.8%61.5% 20102011201212312013630 77.2397.62119.85138.70 31.0%31.9%34.2%33.2% 70%90% 201212312013630 64.2478.26 109

70% 20102011201212312013630 10.1313.0110.9610.92 50% 20102011201212312013630 24.9233.6338.6943.49 20102011201212312013630 1.591.983.404.12 20102011201212 31201363018.6112.91 10.679.897.5%4.2%3.0%2.4% 70% 201020112012 123120136302.881.98 8,6005,100 20102011201212312013630 13.308.155.595.08 110

1201020112012 123120136301.502.17 3.833.98 100 20102011201212312013630 4,7003,5002,2001,800 20102011201212312013 6305,4008,9006.95 12.33 20102011201212312013630 326.99418.93527.18598.06 20.5%20.6%22.0%23.7% 201020112012 12314004705502013630 60020122012 111

200920094 20111220122 2010 20112012123131,41136,67995,450 2,0873,7667,134201020112012 4.747.4328.74146.3% 4005001,700 106.2%2013630139,060201245.7% 201363042.822012 649.9%3,2002012738.5% 2010201120124,700 9,5001.0146.6%2013630 8,100201285.6% 2010201120121,300 1,6003,40061.7%2013630 2,40020129.6% 112

20136302.9 2010 201020112012 3.1572.35232 3007002,700 200.0%2013630115.85 1,900 201020112012 10.1411.108.739.53 11.329.75 2013630 950 201020112012 200200300 2013630200 201242.7% 113

201020112012 12311,240,0001,300,0001,400,000 201020112012164.98 200.76248.15 2013630700 165,700125,700 4,90035,1002010201120121231 20136305142,650177,400 224,600251,500255.42334.04 442.37514.32 201020112012 7.298.7113.45 35.8%20136306.45 20122.5% (i)(ii)(iii) 114

2010201120124.11 7.7415.922013630 16.132012342.9% 20102011201212312013630 105.4353.17381.98922.81 207.98161.85478.83 1,006.7 20062012 100 2011 201020112012 13.4719.50 23.112013630 11.9520121.5% 115

2013720 70% 2013720 20081027 70%2010417 110% FTP 110% 3,000,000 116

10 43 360 2012 2012 117

2013630199 201363019917181 1991936 16 1231 2010 2011 2012 2013630................................. 38 23.0% 40 22.7% 40 21.1% 43 21.6%................................. 20 12.1 20 11.4 21 11.1 21 10.6............................... 16 9.7 16 9.1 17 8.9 17 8.5................................. 15 9.1 15 8.5 15 7.9 15 7.5................................. 18 10.9 18 10.2 18 9.5 18 9.0................................. 13 7.9 13 7.4 13 6.8 13 6.5................................. 10 6.1 10 5.7 11 5.8 12 6.0................................. 11 6.7 11 6.2 11 5.8 11 5.5 (1)..................... 22 13.3 29 16.5 39 20.5 43 21.8................................. 2 1.2 4 2.3 5 2.6 6 3.0............................. 165 100.0% 176 100.0% 190 100.0% 199 100.0% (1) 118

24 20122011 2010 2013630 4101,202201263018.5% 24.0% 2013630 95.84.990.9 40088-9658896588 2013630 66.8365.071.76 201212 119

2013630100973,700 24,400 200820122013 2015 2013 63098 IC OA 120

2009 200112 121

20136304,5152013630 2013630...................................... 903 20.0...................................... 463 10.3........................................... 43 0.9......................................... 449 9.9...................... 204 4.5........................................... 161 3.6............................................... 750 16.6............................................... 1,542 34.2........................................... 4,515 100.0% 2013630 2013630 31........................................... 1,239 27.4 3140......................................... 1,639 36.3 4150......................................... 1,490 33.0 50........................................... 147 3.3........................................... 4,515 100.0% 2012 1270 2013630 1,112 122

201371(2012 79A 2.0817.55140 2013630215.56 256 2.08 17.55140 1. 13517.32 98.7% 2. 20.070.4% 123

3. 30.16 0.9% 23 2013 201363025615.56 1. 16411.33 2. 854.20 124

3. 70.03 10.06 1238.52 70.35 (1) (2) 1,0001 201363023.9 2013630 2012419 2013630 125

201363015% 2 50233 2011620 2,244,724.5 4,329,887 20111212201212 2,244,724.5 1,690,000 126

20102011201212312013 630 2011 16 (i) (ii)(iii) 20101 5.5 (i)(ii) (i)(ii) (iii) 201020122 2 (i)(ii)(iii) (i)(ii) 127

20102011201212312013630 10 520 (i) (ii) (iii) (iv) (v) 2010201120121231 2013630 201341 (i) (ii) (iii) (iv) 128

2013531 2012592012531 (i) (ii)(iii)(iv) (v)(vi) (vii)(viii) (ix)(x) 20121227 201246 (i)(ii) 129

(iii)(iv) (v)(vi) 20124 27 201192620111021 20111230 (i)(ii) (iii) (iv) (v)(vi)(vii) 2012118 20106282010629 2010719 (i)(ii) 201082 130

2010 2011201212312013630 2007920102 78,00020111 (i)(ii)(iii) (iv) 20102011201212312013630 20102011201212312013630 131

132

2010 2008 II2012 2012 IIIII VaR 133

134

135

IIIII 136

IT 137

2013 8% 2013 138

2013630 2013630 (5) (1)...................................................... 99.7% (2)................................................... 0.0% (3)...................................................... 0.3% (4)...................................................... 0.0% (1) 100% (2) 70%100% (3) 30%70% (4) 30% (5) 201363010.1%44.9% 45.0%2013630 (i)(ii)(iii)(iv)(v) 43.0%22.5%16.8%10.5%7.2% 139

14 140

AAAD BB14 AAA AA+ AA AA- A+ A A- BBB BB B CCC CC C D 22 14 141

............................ 90%................................................ 80%.............................................. 70%.......................................... 70%....................................................... 60%......................................................... 60% 142

60 124 3221 143

A1 90 100 A2 80 89 A3 70 79 B1 60 69 B2 50 59 C1 40 49 C2 0 39 D 144

2012II 24 145

146

2009 147

200911Opics Risk Plus VaR 148

III 149

13 150

151

152

153

154

155 93 56 20137 56 200512 45 201010 (1) 51 200512 54 200512 (2) 155

54 20124 60 200912 57 200912 49 200912 47 200912 45 20137 63 201010 63 201110 51 201110 43 201110 (1) 201010201011 (2) 20051220091120115 200512 58 200512 55 20114 156

44 20137 50 20137 49 200912 47 200912 50 200912 49 200912 58 20137 20137 19911019931 19931199511 19951120012 2001420036 2003920082 20082201362009220136 2012720136 1982119909 1998219988 200512 3519844 157

199231992319935 1993519984 19984199811199811200512 200510200612 199712 19998 201010 20101117 1996720027 2002720065 2006520102201022010 919907 20011 20051 200512 199591998819988 200122001220035 2003520055 20055200512 1983719887 200711 200512 20051220091120115 33199471997 219972200512 158

199712 199012 20124 3019841219972 19972199810199810 200762007620118 201110 201112 20124 19827 20096 200912 2019828198512 19851219935 1993519969200011 200810200810 198281996 5 200912 181982119927 19927199551995520015 2001520059 2001320059 20059 19821 159

200912 1991920044 200442007 72007720101 2010120105 20105201011 2010111985 8199512 200912 2003520068 20069200711 2010420109 20116201110 201212 201351985319873 Meinl 20137 20AT Kearney Inc.Bankers Trust Company1995 420063Newbridge Capital Limited 200412200712 20064 20088 20103Star Capital Partners Limited 19936 201010 3825 160

19831019932 19932199711 19949199711 2003112003 11200742004420103 20104 19779 19895 200010 201110 3419792 19901219912 19951219951220108 20029201072011 12012620135 200832012 5 1984719942 19987 MBA20056EMBA 19937 201110 16200212 20075 201295 20121227 161

IT 1983719887 20066199762 201110 2019984 20077 20082 20082 20085 19937 199512 200512 331979 1219845198512 19851219877 1987819983 1987819898 19983200222002 22003102003102004 12200412200512 199712 198712 199911 19972 21 199722005121997419987 162

20051220115 20114198212 19972 21 19927199721997 2200111997419987 2001120035 20035200512 2005122007120071 200842008420124 2012420136 2013620137 19927199612 20097 199711 20137 19915199612 1991519961219961220042 2000120042 20019200292004 22013220087 2009120132 20077 20137200712 200912 19961020089 163

20089 19857 200212 19989 200912 198891990219906 1992419921120087 199611 19961119979 20132 19887 19907201210 EMBA19986 200912 1990519959199510 2001920011020045 2004620117 20118 19847 19899 200912 200412200512 2003120049 20071120132 19877 19927 20046 20137 2002820086 164

200910 2010220108 20111 2011619837 19937 45 51 58 54 49 165

48 49 50 48 42 56 200512 331986219979 199872001102001 10200112200112200512 199412 1997919997 199411 19972 2119991 166

1999121999122005 12200612007 12007119877 19955 200711 200512 2619867 19986 19991220014 20057200512200512 20115200512200911 20115 19867200712 200110 20095 20115 142000420019 2001112003120031 200392003920047 20041020075 20071020095 198671993 6200012 20068 30 19923199321993319982 167

199821999122000120016 20018200312 20041200672006 820115 20001 200512 281994119977 1997820053 200512 20114199912 201110 199611 200810 19972 20 199821998619986 200261997419987 2002620058 20058200512 200512201112 1993620097 200512 1819888 199691996 8199710199710 1999720003200042005 168

12200512200712007 120083200832011 1219828 19932 FCISFCS(PE)CPAFCCA201310 200011 20077 20123 20131 2520116 200211 169

19928199410 170

171

172

173

2010201120121231 6,167,0008,997,0009,177,0002013630 4,115,000 2010201120121231 2,888,0004,218,0004,276,0002013630 1,805,000 2010201120121231 3,964,000 12,810,00013,608,0002013630 5,377,000 20101231 20111231201212 312013630 20102011201212312013630 2,645,0001,739,0003,509,000733,000 2010201120121231 20131231 8,723,3374,006,898 10,778,395 174

5% %................... 839,083,908 10.26% (1)............................ 817,314,575 9.99%........................ 802,093,954 9.81%................... 500,000,000 6.12%.............................. 444,696,160 5.44% (1) 0.0043%0.42%1.42% 175

8,174,819,2838,174,819,283............................................. 8,174,819,283 100% 176

20136304,095.8720121231 3,242.2426.3%20122011672.42480.06 2011201026.2%23.0% 1231 630 2010 2011 2012 2013.................. 117,034 56.0% 137,413 53.5% 163,795 50.5% 183,057 44.7%............................. (2,976) (1.4) (3,490) (1.4) (3,853) (1.2) (4,191) (1.0).................. 114,058 54.6 133,923 52.1 159,941 49.3 178,866 43.7.................... 10,543 5.1 5,317 2.1 38,198 11.8 92,281 22.5 (1).......... 43,663 20.9 47,812 18.6 57,056 17.6 68,936 16.8.............. 34,580 16.5 55,829 21.7 57,649 17.8 59,650 14.6 (2)........ 1,496 0.7 7,076 2.8 3,834 1.2 4,167 1.0 (3)........ 1,237 0.6 3,581 1.4 2,813 0.9 893 0.2 (4)........................... 3,399 1.6 3,444 1.3 4,733 1.5 4,794 1.2............................... 208,976 100.0% 256,982 100.0% 324,224 100.0% 409,587 100.0% (1) (2) 20102011201212312013630 600 (3) 20102011201212312013630 4,9004,8003,8003,400 (4) 177

201020112012123120136 3054.6%52.1%49.3%43.7% 20136301,830.5720121231 1,637.9511.8%20122011 263.82203.792011201019.2%17.4% 1231 630 2010 2011 2012 2013............................. 87,550 74.8% 100,337 73.0% 116,808 71.3% 131,181 71.7%............................. 24,929 21.3 30,616 22.3 35,080 21.4 41,845 22.9............................. 4,555 3.9 6,460 4.7 11,907 7.3 10,031 5.4.................. 117,034 100.0% 137,413 100.0% 163,795 100.0% 183,057 100.0% 2010201120121231 2013630 20102011201212312013630 74.8%73.0%71.3%71.7% 1231 630 2010 2011 2012 2013.................. 47,731 54.5% 59,427 59.2% 63,731 54.6% 76,975 58.7%................ 39,819 45.5 40,910 40.8 53,077 45.4 54,206 41.3......................... 87,550 100.0% 100,337 100.0% 116,808 100.0% 131,181 100.0% 178

20136301,311.8120121231 1,168.0812.3%20101231875.5014.6% 201112311,003.3716.4%20121231 1,168.08 2013630769.7520121231 637.3120.8%20101231477.3124.5% 20111231594.277.2%20121231637.31 2010123154.5%2013630 58.7%(i) (ii) 2013630542.0620121231 530.772.1%20101231398.192.7% 20111231409.1029.7%20121231 530.772012123145.4%2013 63041.3% 2011123140.8% 2012123145.4% 1231 630 2010 2011 2012 2013......................... 17,440 19.8% 23,455 23.3% 33,594 28.9% 40,052 30.6%............................... 23,726 27.1 31,512 31.4 36,212 31.0 39,571 30.2............................. 23,880 27.3 19,253 19.2 12,507 10.7 13,557 10.3............................. 6,028 6.9 6,188 6.2 9,344 8.0 11,628 8.9............................... 5,039 5.8 7,589 7.6 9,934 8.5 11,604 8.8......................... 3,880 4.4 4,742 4.7 4,825 4.1 4,374 3.3............................... 3,534 4.0 3,284 3.3 4,486 3.8 3,892 3.0......................... 1,621 1.9 1,479 1.5 1,657 1.4 2,364 1.8......................... 1,155 1.3 1,336 1.3 1,549 1.3 1,508 1.1............................... 746 0.9 803 0.8 1,575 1.3 980 0.7 (1)................................ 501 0.6 696 0.7 1,125 1.0 1,651 1.3......................... 87,550 100.0% 100,337 100.0% 116,808 100.0% 131,181 100.0% (1) 179

20102011201212312013630 86.9%87.7%87.1%88.8% 2010201120121231 201363019.8%23.3%28.9%30.6% 20102011201212312013630 27.1%31.4%31.0%30.2% 20102011201212312013630 27.3%19.2%10.7%10.3% 20102011201212312013630 6.9%6.2%8.0%8.9% 1231 630 2010 2011 2012 2013............................. 69,360 79.2% 77,765 77.5% 88,056 75.4% 98,801 75.3%........................... 18,190 20.8 22,572 22.5 28,752 24.6 32,380 24.7......................... 87,550 100.0% 100,337 100.0% 116,808 100.0% 131,181 100.0% 180

1231 630 2010 2011 2012 2013 1,000................ 15,689 17.9% 16,850 16.8% 18,152 15.5% 19,009 14.5% 1,000 5,000.................... 20,430 23.4 27,770 27.7 35,220 30.1 39,547 30.2 5,0001.... 8,092 9.2 9,471 9.4 11,432 9.8 11,496 8.8 15........ 28,708 32.8 30,668 30.6 35,349 30.3 41,122 31.3 510..... 10,056 11.5 10,581 10.5 13,141 11.3 15,401 11.7 10.................... 4,575 5.2 4,997 5.0 3,514 3.0 4,606 3.5......................... 87,550 100.0% 100,337 100.0% 116,808 100.0% 131,181 100.0% 20102011201212312013630 21.3%22.3%21.4%22.9% 1231 630 2010 2011 2012 2013......................... 15,291 61.3% 19,474 63.6% 21,333 60.8% 25,753 61.5%......................... 7,723 31.0 9,762 31.9 11,985 34.2 13,870 33.2........................... 54 0.2 89 0.3 695 2.0 1,233 2.9......................... 1,861 7.5 1,291 4.2 1,067 3.0 989 2.4......................... 24,929 100.0% 30,616 100.0% 35,080 100.0% 41,845 100.0% 2013630418.4520121231 350.8019.3%20101231249.2922.8% 20111231306.1614.6%20121231 350.80 2013630257.5320121231 213.3320.7%20101231152.9127.4% 20111231194.749.5%20121231 213.33 181

2013630138.7020121231 119.8515.7%2010123177.2326.4% 2011123197.6222.8%20121231 119.85 2012 201363012.3320121231 6.9577.4%201012315,400 64.8%201112318,900680.9%20121231 6.95 20136309.8920121231 10.677.3%2010123118.6130.6% 2011123112.9117.4%20121231 10.67 1231 630 2010 2011 2012 2013 50.................. 20,918 83.9% 24,076 78.7% 25,912 73.9% 29,744 71.1% 50100..... 2,385 9.6 3,195 10.4 3,688 10.5 4,455 10.7 1001,000.. 1,551 6.2 3,224 10.5 5,187 14.8 7,342 17.5 1,000.................. 75 0.3 121 0.4 293 0.8 304 0.7......................... 24,929 100.0% 30,616 100.0% 35,080 100.0% 41,845 100.0% 20102011201212312013630 3.9%4.7%7.3%5.4% 1231 630 2010 2011 2012 2013......................... 3,744 82.2% 5,632 87.2% 11,316 95.0% 8,855 88.3%......................... 811 17.8 828 12.8 591 5.0 1,176 11.7......................... 4,555 100.0% 6,460 100.0% 11,907 100.0% 10,031 100.0% 182

20102011201212312013630 45.5564.60119.07100.31 20102011201212312013630 82.2%87.2%95.0%88.3% 1231 630 2010 2011 2012 2013................................. 109,073 93.2% 128,197 93.3% 153,198 93.5% 169,854 92.8%................................. 7,961 6.8 9,216 6.7 10,597 6.5 13,203 7.2.................. 117,034 100.0% 137,413 100.0% 163,795 100.0% 183,057 100.0% 200920094 20102011201212312013630 6.8%6.7%6.5%7.2% 183

20102011201212312013630 88.3%88.2%91.7%92.6% 1231 630 2010 2011 2012 2013............................. 54,557 46.6% 61,194 44.6% 75,940 46.3% 90,854 49.6%............................. 6,760 5.8 11,720 8.5 20,319 12.4 19,769 10.8............................. 41,992 35.9 48,251 35.1 54,000 33.0 58,953 32.2............................. 13,725 11.7 16,248 11.8 13,536 8.3 13,481 7.4.................. 117,034 100.0% 137,413 100.0% 163,795 100.0% 183,057 100.0% 2012 2011123111.8%201212318.3% 20136307.4% 2010123152.4%2013630 60.4% 2010123135.9% 201363032.2% 10%20102011201212312013630 9.1%6.4%5.0%4.6%2013630 94.40 5.2%33.2% 184

2013630 2013630 (1) A....................... 1,300 0.7% 4.6% B............................ 1,170 0.6 4.1 C.............................. 1,146 0.6 4.0 D.............................. 1,000 0.5 3.5 E............................ 902 0.5 3.2 F....................... 872 0.5 3.1 G............................ 833 0.5 2.9 H............................ 802 0.4 2.8 I.............................. 715 0.4 2.5 J............................ 700 0.4 2.5........................................... 9,440 5.2% 33.2% (1) 201311 2013630 15% 2013630 145.048.0%50.9% 185

2013630 2013630 (1) A....................... 1,814 1.0% 6.4% B............................ 1,753 1.0 6.2 C............................ 1,639 0.9 5.8 D....................... 1,482 0.8 5.2 E.............................. 1,453 0.8 5.1 F............................ 1,380 0.8 4.8 G....................... 1,372 0.7 4.8 H............................ 1,293 0.7 4.5 I............................ 1,263 0.7 4.4 J............................ 1,055 0.6 3.7........................................... 14,504 8.0% 50.9% (1) 201311 2013630 2013630 2013630 (1).................... 87,016 32,192 11,041 932 131,181.................... 10,019 2,948 28,752 126 41,845.................... 10,031 10,031......... 107,066 35,140 39,793 1,058 183,057 (1) 201363058.5% 2013720 2013720 186

(i)(ii) 12 43221 (i)(ii) (iii)(iv)(v)(vi) (vii) 187

188 90 40% 90180 80% 180

90 91 180 181 365 365 30 31 180 181 365 365 90 91 365 365 90 91 180 181 365 365 190 91120 121180 180 1231 630 2010 2011 2012 2013................................. 111,056 94.9% 133,336 97.0% 159,017 97.1% 178,153 97.3%................................. 5,281 4.5 3,423 2.5 3,829 2.4 3,739 2.0 (1)................................ 455 0.4 477 0.3 839 0.5 1,083 0.6 (1)................................ 125 0.1 101 0.1 70 0.0 67 0.1 (1)................................ 117 0.1 76 0.1 40 0.0 15 0.0.................. 117,034 100.0% 137,413 100.0% 163,795 100.0% 183,057 100.0% (2)......................... 0.60% 0.48% 0.58% 0.64% (1) 46.1.5(g) (2) 189

1231 630 2010 2011 2012 2013................................... 895 697 654 949 (1).................................. 83 186 486 363................................. (21) (68) (90) (70)................................. (3) (6) (3) (9)................................. (257) (155) (98) (68)................................... 697 654 949 1,165 (1) 201112316.5445.1%201212 319.4922.8%201363011.65 201112310.48%201212310.58% 20136300.64% 1231 630 2010 2011 2012 2013 (1).............................. 267 38.3% 0.56% 190 29.1% 0.32% 372 39.2% 0.58% 609 52.3% 0.79%............................ 325 46.6 0.82 381 58.2 0.93 466 49.1 0.88 431 37.0 0.80 (1) (1)................................ 592 84.9% 0.68 571 87.3% 0.57 838 88.3% 0.72 1,040 89.3% 0.79 (1).......................... 25 3.6% 0.16 24 3.7% 0.12 41 4.3% 0.19 49 4.2% 0.19.......................... 48 6.9 0.62 31 4.7 0.32 41 4.3 0.34 44 3.8 0.32............................ 1 0.1 1.04 1 0.2 0.61 2 0.2 0.25 8 0.7 0.62.......................... 31 4.5 1.67 27 4.1 2.09 27 2.9 2.53 24 2.1 2.43................................ 105 15.1% 0.42 83 12.7% 0.27 111 11.7% 0.32 125 10.7% 0.30........................................................ 697 100.0% 0.60% 654 100.0% 0.48% 949 100.0% 0.58% 1,165 100.0% 0.64% (1) 190

201112310.57%20121231 0.72%20136300.79% 201112310.32%20121231 0.58%20136300.79% 2010 12 310.42%2013 6 30 0.30%(i)(ii) 1231 630 2010 2011 2012 2013 (1) (1) (1) (1).......................... 353 59.7% 2.02% 291 50.9% 1.24% 531 63.3% 1.58% 669 64.3% 1.67%................................ 166 28.0 0.70 244 42.8 0.77 222 26.5 0.61 312 30.0 0.79.............................. 2 0.3 0.01 1 0.2 0.01 0 0.0 0.00 0 0.0 0.00.............................. 8 1.4 0.13 7 1.2 0.11 3 0.4 0.03 1 0.1 0.01................................ 16 2.7 0.32 12 2.1 0.16 0 0.0 0.00 20 1.9 0.17.......................... 1 0.2 0.03 0 0.0 0.00 0 0.0 0.00 10 1.0 0.23................................ 3 0.5 0.08 3 0.5 0.09 7 0.8 0.16 1 0.1 0.04.......................... 6 1.0 0.37 5 0.9 0.34 21 2.5 1.27 18 1.7 0.75.......................... 9 1.5 0.78 3 0.5 0.22 9 1.1 0.58 4 0.4 0.25................................ 0 0.0 0.00 0 0.0 0.00 0 0.0 0.00 0 0.0 0.00 (2)................................. 28 4.7 5.59 5 0.9 0.72 45 5.4 4.00 5 0.5 0.31..................... 592 100.0% 0.68% 571 100.0% 0.57% 838 100.0% 0.72% 1,040 100.0% 0.79% (1) (2) 2013630 201363094.3% 201012310.70%20136300.79% 191

201012310.13%20136300.01% 1231 630 2010 2011 2012 2013 (1) (1) (1) (1).............................. 561 94.8% 0.81% 567 99.3% 0.73% 837 99.9% 0.95% 1,027 98.7% 1.04%............................ 31 5.2 0.17 4 0.7 0.02 1 0.1 0.00 13 1.3 0.04..................... 592 100.0% 0.68% 571 100.0% 0.57% 838 100.0% 0.72% 1,040 100.0% 0.79% (1) 1231 630 2010 2011 2012 2013 (1) (1) (1) (1).................................. 697 100.0% 0.64% 654 100.0% 0.51% 949 100.0% 0.62% 1,118 96.0% 0.66%.................................. 47 4.0 0.36.......................... 697 100.0% 0.60% 654 100.0% 0.48% 949 100.0% 0.58% 1,165 100.0% 0.64% (1) 192

1231 630 2010 2011 2012 2013 (1) (1) (1) (1).............................. 385 55.2% 0.71% 434 66.4% 0.71% 514 54.2% 0.68% 610 52.3% 0.67%.............................. 38 5.5 0.56 19 2.9 0.16 175 18.4 0.86 219 18.9 1.11.............................. 152 21.8 0.36 125 19.1 0.26 200 21.1 0.37 279 23.9 0.47.............................. 122 17.5 0.89 76 11.6 0.47 60 6.3 0.44 57 4.9 0.42.......................... 697 100.0% 0.60% 654 100.0% 0.48% 949 100.0% 0.58% 1,165 100.0% 0.64% (1) 201012310.89%20136300.42% 201112310.16%201212310.86% 20136301.11% 2013630 2013630 (1) A......... 171 14.7% 0.6% B............... 148 12.7 0.5 C......... 80 6.8 0.3 D......... 51 4.4 0.2 E......... 50 4.3 0.2 F............... 34 2.9 0.1 G......... 20 1.7 0.1 H......... 20 1.7 0.1 I......... 20 1.7 0.1 J......... 20 1.7 0.1................................... 614 52.6% 2.3% (1) 201311 2013630 193

1231 630 2010 2011 2012 2013........................... 116,522 99.6% 136,860 99.6% 162,875 99.4% 181,614 99.2% 190........................ 103 0.1 250 0.2 470 0.3 663 0.4 911...................... 123 0.1 54 0.0 258 0.2 626 0.3 13......................... 74 0.0 92 0.1 103 0.1 116 0.1 3..................... 212 0.2 157 0.1 89 0.0 38 0.0............................. 512 0.4% 553 0.4% 920 0.6% 1,443 0.8%.................. 117,034 100.0% 137,413 100.0% 163,795 100.0% 183,057 100.0% 39 194

1231 630 2010 2011 2012 2013 (1) (1) (1) (1).......................... 1,825 61.4% 1.64% 2,701 77.4% 2.03% 2,897 75.2% 1.82% 3,298 78.7% 1.85%.......................... 691 23.2 13.08 372 10.7 10.87 516 13.4 13.48 366 8.7 9.78.......................... 236 7.9 51.87 253 7.2 53.04 345 9.0 41.12 459 11.0 42.40.......................... 108 3.6 86.40 88 2.5 87.13 55 1.4 78.57 53 1.3 79.70.......................... 116 3.9 100.00 76 2.2 100.00 40 1.0 100.00 15 0.3 100.00...................... 2,976 100.0% 2.54% 3,490 100.0% 2.54% 3,853 100.0% 2.35% 4,191 100.0% 2.29% (1) 201011.................................................. 2,434.......................................................... 582............................................... (21).............................................................. (1).......................................... (19) 20101231................................................ 2,976.......................................................... 598............................................... (68).............................................................. (1).......................................... (16) 20111231................................................ 3,490.......................................................... 469............................................... (90).............................................................. (1).......................................... (16) 20121231................................................ 3,853.......................................................... 425............................................... (70).............................................................. (1).......................................... (17) 2013630................................................. 4,191 (1) 195

1231 630 2010 2011 2012 2013 (1) (1) (1) (1)...................... 1,054 35.4% 2.21% 1,407 40.3% 2.37% 1,488 38.6% 2.33% 2,051 49.0% 2.67%.................... 1,210 40.7 3.04 1,148 32.9 2.81 1,503 39.0 2.83 1,141 27.2 2.10........................ 2,264 76.1% 2.59 2,555 73.2% 2.55 2,991 77.6% 2.56 3,192 76.2% 2.43.................. 162 5.4% 1.06 258 7.4% 1.32 280 7.3% 1.31 320 7.6% 1.24.................. 108 3.7 1.40 136 3.9 1.39 160 4.1 1.34 185 4.4 1.33.................... 1 0.0 1.85 2 0.1 2.25 11 0.3 1.58 24 0.6 1.95.................. 45 1.5 2.42 47 1.3 3.64 39 1.0 3.66 35 0.8 3.54........................ 316 10.6% 1.27 443 12.7% 1.45 490 12.7% 1.40 564 13.4% 1.35...................... 18 0.6% 0.40 19 0.5% 0.29 22 0.6% 0.18 55 1.3% 0.55............. 378 12.7% 1.20 473 13.6% 1.08 350 9.1% 0.67 380 9.1% 0.68...................... 2,976 100.0% 2.54% 3,490 100.0% 2.54% 3,853 100.0% 2.35% 4.191 100.0% 2.29% (1) 196

1231 630 2010 2011 2012 2013 (1) (1) (1) (1).......................... 593 26.2% 167.99% 648 25.3% 223.45% 995 33.3% 187.57% 1,260 39.5% 188.37%................................ 630 27.8 379.52 817 32.0 334.84 1,169 39.1 526.56 1,079 33.8 345.58.............................. 498 22.0 24,900.00 469 18.4 46,900.00 199 6.6 163 5.1 163,522.19.............................. 137 6.0 1,712.50 129 5.0 1,842.86 115 3.9 3,843.54 141 4.4 14,362.90................................ 119 5.3 743.75 177 6.9 1,475.00 127 4.3 154 4.8 764.14.......................... 84 3.7 8,400.00 127 5.0 223 7.4 252 7.9 2,520.58................................ 79 3.5 2,633.33 69 2.7 2,300.00 57 1.9 809.41 48 1.5 3,003.16.......................... 39 1.7 650.00 40 1.6 800.00 34 1.1 160.94 34 1.1 190.00.......................... 33 1.5 366.67 35 1.4 1,166.67 23 0.8 254.03 27 0.8 712.12................................ 16 0.7 26 1.0 19 0.6 12 0.4 (2)................................. 36 1.6 128.57 18 0.7 360.00 30 1.0 66.27 22 0.7 424.79..................... 2,264 100.0% 382.43% 2,555 100.0% 448.25% 2,991 100.0% 356.92% 3,192 100.0% 306.78% (1) (2) 1231 630 2010 2011 2012 2013 (1) (1) (1) (1).................................. 2,790 93.7% 400.29% 3,272 93.8% 500.31% 3,619 93.9% 381.35% 3,936 93.9% 352.25%.................................. 186 6.3 218 6.2 234 6.1 255 6.1 537.01.............................. 2,976 100.0% 426.80% 3,490 100.0% 533.33% 3,853 100.0% 406.00% 4,191 100.0% 359.82% (1) 201020112012 12312013630436.63 197