1912 2 37 1994 19941995 2004 8 26 2006 6 1 39887 5 601988 2006 1000 1929 27 2008

2006 (2001 2006 2005 2004 2003 1 120,707 100,405 84,985 71,904 16,921 15,623 19,752 13,781 2 137,628 116,028 104,737 85,685 (53,614) (45,604) (41,915) (34,041) (6,462) (5,680) (4,981) (3,972) 77,552 64,744 57,841 47,672 1,044 1,381 532 179 (11,587) (10,985) (23,797) (16,432) 67,009 55,140 34,576 31,419 47,152 32,597 25,246 24,743 41,892 27,492 20,932 21,553 10,154 14,112 14,200 3 39,822 26,174 20,310 21,542 5,325,273 4,742,806 4,270,443 3,979,965 2,337,513 2,151,893 2,071,693 1,921,131 4 1,879,418 1,669,591 1,309,479 1,092,187 4,907,459 4,480,186 4,037,705 3,750,489 4,095,422 3,703,777 3,342,477 3,035,956 388,254 233,842 205,351 203,752 5 236,055 186,425 186,390 186,390 253,839 209,427 186,390 186,390 6 0.18 0.15 0.11 0.12 7 0.04 0.08 0.08 8 1.53 1.12 1.10 1.09 9 1.52 1.11 1.09 1.07 % 10 0.94 0.72 0.61 0.68,% 11 13.47 12.52 10.23 10.58,% 12 13.86 13.16 10.92 10.78 % 13 2.28 2.21 2.05 1.95 % 14 2.44 2.32 2.15 2.03 % 15 59.38 60.35 64.22 71.06 % 16 12.29 13.46 18.86 16.08 % 17 38.96 39.30 40.02 39.73 % 11.44 8.08 8.48 % 13.59 10.42 10.04 2004 8 262006 6 17 5 1 200371.54 2 = = + + 3 1 (2004 4 5 6 = 9 7 = 8 = 9 = 3 2 2005 10 = =+ 2 11 = =+ 22003 200220032003 12[2006]22 13 = = = 14 = 15 = 16 = 2006 98.20 18.14% 2005 47.46 16.87% 17 = 18 19 = 20 = =2 21 98,220 103,226 109,920 351,224 % 18 4.04 4.62 5.12 16.28 94,293 83,153 74,769 236,342 % 19 96.00 80.55 68.02 67.29 % 20 0.50 0.50 1.06 48,000 42,000 140,000 120,000 400,000 350,000 21 232,632 229,742 238,672 241,401 A2 A2 A2 A2 BBB+ BBB+ BBB- BB+ A- A- BBB+ BBB+ 1 7.8087 8.0702 8.2765 8.2767 1 10.2665 9.5797 11.2627 10.3383 1 1.0047 1.0403 1.0637 1.0657 601988 5.43 3988 4.27 2388 21.15 14.95 14.85 14.60 36,000 30,000 24,000 18,000 12,000 6,000 0 300,000 100,000 250,000 80,000 200,000 60,000 150,000 40,000 100,000 20,000 50,000 0 0 2003 2004 2005 2006 2003 2004 2005 2006 2003 2004 2005 2006

1 2 3 6 8 12 12 14 39 55 77 80 83 85 88 94 107 116 121 123 126 131 133 227 228 231 232 241

2 2006 2007 3 22 2006 16 1616 5 2006 2007 3 22

3 BANK OF CHINA LIMITED Frederick Anderson GOODWIN William Peter COOKE Patrick de SAINT-AIGNAN Alberto TOGNI

4 2006 1 http://www.sse.com.cn http://www.hkex.com.hk 1 1 100818 (86) 010-6659 6688 (86) 010-6659 4568 http://www.boc.cn bocir@bank-of-china.com 1 100818 (86) 010-6659 4626 (86) 010-6659 4568 bocir@bank-of-china.com

5 1983 10 31 202 11 200021 2004 8 26 22 A 1000001000134 B10311000H0001 110102100001342

6 2006 2006418.92 52.38%0.18 322.67 18.62% 1,376.28 19.78% 775.52ROA ROE 0.94% 13.86% 2006 4.62% 4.04% 50.06982.20 2007 6 14 2006 0.0444.40% 35% 45% 2006 2006

7 2006 IT Patrick de Saint-Aignan Alberto Togni Frederick Anderson Goodwin IT 2007 3 22

8 2006 2 006 2006 53,252.7349,074.59 3,882.54 12.28% 9.54% 66.03% 471.52 44.65%418.92 52.38% 0.1820% ROA0.94% 0.22ROE13.86% 0.70 2006 2.28% 2.44% 71220.22% 10.57% 8.80% 12.57% 18.14%1.27 54.89% 188.31%1.18% 2.80%

9 0.50% 4.04% 0.58 12.71% 8.15%96.00% 15.45 102 39.30% 38.96%40.88% 29.63% RBS 2007 IT 2007 3 22

12 2006 2006 2006 5.1% 30 GDP 10.7% 11 17,607 23.8% 1,775 2003GDP % 12 10 8 6 4 2 0 2003 2004 2005 2006 2006 2006 % 7.00 6.00 5.00 4.00 2006 3.35% 3.00 2.00 1.00 1 2006 M216.9% 15.1%16.8% 2,204

13 GDP 43.3% 56,766GDP 44.8% 2006 M1 M2 0.075 10.7 25 % 0.073 0.071 0.069 0.067 0.065 10.2 9.7 9.2 8.7 8.2 20 15 10 5 0.063 05/07 05/10 06/01 06/04 06/07 06/09 06/12 7.7 0 / / / M1 M2 2003 2006 250,000 200,000 150,000 100,000 50,000 % 25 20 15 10 5 2003 2006 40,000 35,000 30,000 25,000 20,000 15,000 10,000 5,000 0 2003 2004 2005 2006 0 0 2003 2004 2005 2006 2006 IPO 2006 12 11 WTO2006 2129 2007 8% 2007 4.9%

14 2006 2006 2006 471.52 145.55 44.65%418.92 144 52.38%IPO 50,000 40,000 30,000 20,000 10,000 0 2003 2004 2005 2006 20060.180.03 0.20 0.18 0.16 0.14 0.12 0.10 2003 2004 2005 2006 2006 0.94%0.22 13.47% 13.86%0.95 0.70 ROA % 1.0 0.8 0.6 0.4 ROE % 18 15 12 9 0.2 6 0 0 2003 2004 2005 2006 2006 1,376.28 216 18.62% 200,000 150,000 100,000 50,000 0 2003 2004 2005 2006

15 2006169.21 12.98 8.31% 12.29%1.17 18.14%1.27 % 30 24 18 12 6 0 2003 2004 2005 2006 2006 38.96%0.34 % 41 40 39 38 2003 2004 2005 2006 20060.50% 24,000 20,000 16,000 12,000 8,000 4,000 % 1.2 1.0 0.8 0.6 0.4 0.2 0 2004 2005 2006 0 2006982.2050.06 4.04% 0.58 400,000 320,000 240,000 160,000 % 20 16 12 8 80,000 4 0 2003 2004 2005 2006 0 360,000 % 100 2006942.93111.4 96% 15.45 300,000 240,000 180,000 120,000 90 80 70 60 60,000 50 0 2003 2004 2005 2006 40 2006 13.59% 11.44% 3.17 3.36 IPO % 16 12 8 4 0 2004 2005 2006

16 2006 2006 2005 2004 2003 120,707 100,405 84,985 71,904 16,921 15,623 19,752 20,935 14,323 9,247 8,557 7,353 (53,614) (45,604) (41,915) (34,041) 77,552 64,744 57,841 54,826 (11,587) (10,985) (23,797) (16,432) 67,009 55,140 34,576 38,573 (19,857) (22,543) (9,330) (6,676) 47,152 32,597 25,246 31,897 (5,260) (5,105) (4,314) (3,190) 41,892 27,492 20,932 28,707 2003 71.54 2006 1,207.07 203.0220.22%

17 1 2006 2005 2,352,262 5.45% 2,192,058 5.00% 1,883,760 3.57% 1,475,673 3.05% 710,323 2.70% 655,359 1.94% 4,946,345 4.34% 4,323,090 3.87% 4,070,308 1.96% 3,560,014 1.57% 373,811 2.51% 355,856 1.83% 109,910 4.21% 115,843 3.90% 4,554,029 2.06% 4,031,713 1.66% 2.28% 2.21% 1,604,412 5.40% 1,443,512 5.40% 906,469 2.35% 656,983 2.41% 350,694 1.81% 313,591 1.66% 2,861,575 3.99% 2,414,086 4.10% 2,792,952 1.57% 2,332,869 1.52% 176,661 2.14% 152,810 2.47% 60,001 4.62% 53,959 4.71% 3,029,614 1.67% 2,539,638 1.65% 2.32% 2.45% 40,535 5.22% 41,770 4.01% 77,046 4.75% 60,367 3.52% 27,691 2.87% 26,348 1.74% 145,272 4.52% 128,485 3.31% 59,288 1.98% 58,903 1.16% 19,465 2.50% 20,467 1.03% 6,391 3.65% 7,361 3.27% 85,144 2.22% 86,731 1.31% 2.30% 2.00% 1

18 2006 1 2006 2005 128,270 109,711 18,559 8,010 10,549 67,195 44,938 22,257 12,447 9,810 19,205 12,696 6,509 1,066 5,443 214,670 167,345 47,325 21,523 25,802 79,939 55,914 24,025 8,012 16,013 9,393 6,512 2,881 329 2,552 4,631 4,514 117 (231) 348 93,963 66,940 27,023 8,110 18,913 120,707 100,405 20,302 13,413 6,889 86,589 77,903 8,686 8,689 (3) 21,274 15,852 5,422 6,013 (591) 6,346 5,197 1,149 616 533 114,209 98,952 15,257 15,318 (61) 43,967 35,495 8,472 6,993 1,479 3,773 3,782 (9) 589 (598) 2,774 2,543 231 285 (54) 50,514 41,820 8,694 7,867 (827) 63,695 57,132 6,563 7,451 (888) 2,116 1,675 441 (50) 491 3,658 2,123 1,535 587 948 794 458 336 23 313 6,568 4,256 2,312 560 1,752 1,173 682 491 4 487 486 211 275 (10) 285 233 241 (8) (32) 24 1,892 1,134 758 (38) 796 4,676 3,122 1,554 598 956 1

19 20062,146.70 473.2528.28% 14.42% 49,463.45 47 4.34% 20061,282.70 185.5916.92% (1) 7.31% 23,522.62(2)2006 2006 48 45 5.45% 2006671.95 222.5749.53% (1) IPO 27.65% 18,837.60(2) 52 3.57% 2.35% 6 2004 2005 2006 2004 9 2005 3 1.1030 1.6030 2.1030 2.6030 3.1030 2005 9 2006 3 2006 9 3.6030 % 2006 192.05 65.09 51.27%(1) 2006 2005 7.5% 2006 9.0% (2) 76 2.70% 2006 2006 200515% 200614%1 2006 939.63 270.2340.37% 12.96% 45,540.29 40 2.06%

20 2006 2006 799.39 240.2542.97% 14.33% 40,703.08 39 1.96%(1) (2) 2005 5 2006(3) 8 (4) 2006 93.93 28.81 44.24% 68 2.51% 2.14% 33 2006 46.31 1.17 2.59% 31 4.21% 2006 12 2.44% % 4.0 % 4.0 3.2 2.4 1.6 2.03 2.15 2.32 2.44 3.2 2.4 1.6 2.38 1.55 2.72 1.41 2.43 2.37 3.22 2.23 0.8 0.8 0 2003 2004 2005 2006 0 2003 2004 2005 2006 79 3.22% (1) (2)

21 2006 (1) 4.10%3.99% (2) 2006 2005 2004 2003 14,323 9,247 8,557 7,353 (3,779) 4,482 8,752 4,456 3,831 (248) 1,078 8,413 2,546 2,142 1,365 713 16,921 15,623 19,752 20,935 2003 71.54 2006 169.21 12.988.31% 12.29%1.17 18.14 %1.27 2006143.23 50.76 54.89% 2006 2005 2004 2003 4,621 2,735 2,690 2,137 3,848 2,941 2,626 2,237 3,064 2,693 2,367 2,075 2,937 2,340 1,840 1,340 2,669 1,989 1,865 1,779 17,139 12,698 11,388 9,568 (2,816) (3,451) (2,831) (2,215) 14,323 9,247 8,557 7,353

22 2006 2006 86.29 34.22 65.72% 2006 2005 2004 2003 1,406 823 647 425 2,402 1,745 1,681 1,395 2,164 1,784 1,407 1,191 2,080 1,540 1,095 776 1,541 1,112 654 532 9,593 7,004 5,484 4,319 (964) (1,797) (1,432) (1,128) 8,629 5,207 4,052 3,191 2006 (1) (2) QDII (3) (4) 200646.21 18.8668.96% 2006 2006 2006 38.48 9.0730.84% 2006 30.64 3.7113.78%

23 2006 29.37 5.97 25.51% 2006 2.14 2006 26.69 6.8 34.19% (1)2006 2.24(2) 200628.16 6.3518.40% (1) 3 (2) 20051.3 1.6 2006 2006 2005 2004 2003 (2,204) 2,518 5,069 8,309 (1,575) 1,964 3,683 (3,853) (3,779) 4,482 8,752 4,456 200637.79 2006 2006 2006 76.16 59.38 10.77 22.16%2005

24 2006 2006 98.202006 12 312006 ➀ ➀ 2006 12 31 2006 1 (1) (18,000) 1,949 (2) (2,758) 18,000 (4,707) 2 (1) 41,528 (6,730) (4,508) (2) (41,528) 2,222 3 ➁ 14,146 14,146 4 11,627 4,109 15,736 (2,773) 219 (2,554) 85,301 (55,419) 29,882 (14,210) 4,390 (9,820) ➁ (14,146) 15,736 ➀ ➁ 2 1 2005 1 5 2007 1 1 12 318.2769 15 180 2006 415 44.692007 1 1 12 31 12 2006 19.49 47.07

25 2006 67.3022.22 45.08 2006 3 2006157 11641 2006 IPO 263 259 157 2006 25.54 2007 2007 2006 98.20 2006 4.75%2.35% 2.40% 2006 2006 4.92 20.67 200638.31 40.79(1)2006 23 (2) 11 (3) 5

26 2006 2006 2005 2004 2003 7,708 5,237 4,057 3,225 2,623 1,380 1,268 758 10,331 6,617 5,325 3,983 (7,484) (3,861) (2,928) (2,767) (301) (614) (1,032) (503) (7,785) (4,475) (3,960) (3,270) 2,546 2,142 1,365 713 2006 24.71 47.18%36.23 93.84% 2006 13.09 6.60 2006 2005 2004 2003 30,677 23,979 19,814 16,394 17,283 15,742 13,992 11,188 5,654 5,883 8,109 6,459 53,614 45,604 41,915 34,041 2006 536.14 80.1017.56% 306.77 66.98 27.93% (1)2006 (2) 14% 2% 1.5% (3) 35

27 172.83 15.41 9.79% 9.92 0.66 2006 2006 38.96%0.34 2006 2005 2004 2003 11,687 10,888 22,793 14,701 85 133 2,997 2,019 (211) 498 (2,216) 178 26 (534) 223 (466) 11,587 10,985 23,797 16,432 2006 2006 116.87 7.99 2006 0.50% 2006198.57 26.8611.92% 29.63%11.25 [2007]40 2006 156.69 2006 46 38

28 2006 200653,252.73 5,824.67 12.28%49,074.59 4,272.739.54% 2006 2005 2004 2003 12 31 12 31 12 31 12 31 2,431,806 2,235,046 2,146,462 2,157,473 1 1,879,418 1,669,591 1,309,479 1,092,187 787,471 661,478 631,727 700,659 226,578 176,691 182,775 29,646 5,325,273 4,742,806 4,270,443 3,979,965 4,095,422 3,703,777 3,342,477 3,035,956 363,755 375,288 318,443 327,673 123,571 112,343 95,802 81,052 324,711 288,778 280,983 305,808 4,907,459 4,480,186 4,037,705 3,750,489 1 2006 24,318.06 1,967.608.80% 2006 2006 2005 2004 2003 12 31 12 31 12 31 12 31 1,849,062 76.04% 1,712,043 76.60% 1,652,421 76.98% 1,774,080 82.23% 582,744 23.96% 523,003 23.40% 494,041 23.02% 383,393 17.77% 2,431,806 100.00% 2,235,046 100.00% 2,146,462 100.00% 2,157,473 100.00%

29 90 2006 2005 2004 2003 12 31 12 31 12 31 12 31 2,354,814 96.83% 2,158,232 96.56% 2,091,360 97.43% 1,863,714 86.38% 76,992 3.17% 76,814 3.44% 55,102 2.57% 293,759 13.62% 2,431,806 100.00% 2,235,046 100.00% 2,146,462 100.00% 2,157,473 100.00% 200618,794.18 2,098.27 12.57% 2006 2005 2004 2003 12 31 12 31 12 31 12 31 110,634 5.88% 107,271 6.42% 91,012 6.95% 114,557 10.49% 807,308 42.96% 593,010 35.53% 346,532 26.46% 410,140 37.55% 461,140 24.54% 607,459 36.38% 457,994 34.98% 215,175 19.70% 500,336 26.62% 361,851 21.67% 413,941 31.61% 352,315 32.26% 1,879,418 100.00% 1,669,591 100.00% 1,309,479 100.00% 1,092,187 100.00% 2006 (1) (2)

30 2006 2006 2005 2004 2003 12 31 12 31 12 31 12 31 817,643 43.50% 794,413 47.58% 590,932 45.12% 430,903 39.43% 610,738 32.50% 475,878 28.50% 359,503 27.45% 318,744 29.17% 263,333 14.01% 263,007 15.75% 274,983 21.00% 275,178 25.18% 187,856 9.99% 136,449 8.17% 84,253 6.43% 67,944 6.22% 1,879,570 100.00% 1,669,747 100.00% 1,309,671 100.00% 1,092,769 100.00% (152) (156) (192) (582) 1,879,418 1,669,591 1,309,479 1,092,187 2006 12 31 /(%) 2005 12 31 /(%) 131,776 (7.01%) 875,220 (46.57%) 125,090 (7.49%) 834,407 (49.98%) 169,310 (9.01%) 147,966 (8.86%) 703,112 (37.41%) 562,128 (33.67%) 200640,954.22 3,916.45 10.57% 1,809.521,932.35

31 2006 2005 2004 2003 12 31 12 31 12 31 12 31 979,653 23.92% 836,763 22.59% 776,648 23.24% 679,524 22.38% 514,564 12.56% 486,681 13.14% 373,467 11.17% 312,585 10.30% 36,496 0.89% 26,317 0.71% 32,743 0.98% 20,182 0.66% 1,530,713 37.38% 1,349,761 36.44% 1,182,858 35.39% 1,012,291 33.34% 770,583 18.82% 667,957 18.03% 697,028 20.85% 607,904 20.02% 1,302,266 31.80% 1,243,964 33.59% 1,059,284 31.69% 1,066,069 35.11% 346,010 8.45% 313,703 8.47% 296,246 8.86% 260,874 8.59% 2,418,859 59.06% 2,225,624 60.09% 2,052,558 61.41% 1,934,847 63.73% 145,850 3.56% 128,392 3.47% 107,061 3.20% 88,818 2.93% 4,095,422 100.00% 3,703,777 100.00% 3,342,477 100.00% 3,035,956 100.00% 2006 2.01 1.85 2006 2005 2004 2003 12 31 12 31 12 31 12 31 871,331 26.65% 734,140 25.08% 657,481 25.80% 574,030 25.08% 384,294 11.75% 369,455 12.62% 263,920 10.36% 221,793 9.69% 35,723 1.09% 23,939 0.82% 19,515 0.77% 19,031 0.83% 1,291,348 39.49% 1,127,534 38.51% 940,916 36.92% 814,854 35.61% 544,974 16.67% 470,508 16.07% 416,516 16.34% 351,875 15.38% 955,536 29.22% 903,685 30.87% 804,928 31.58% 785,862 34.34% 340,136 10.40% 304,491 10.40% 286,832 11.25% 254,453 11.12% 1,840,646 56.29% 1,678,684 57.34% 1,508,276 59.18% 1,392,190 60.84% 137,815 4.22% 121,344 4.15% 99,417 3.90% 81,310 3.55% 3,269,809 100.00% 2,927,562 100.00% 2,548,609 100.00% 2,288,354 100.00%

32 2006 2006 2005 2004 2003 12 31 12 31 12 31 12 31 3,269,809 79.84% 2,927,562 79.04% 2,548,609 76.25% 2,288,354 75.38% 825,613 20.16% 776,215 20.96% 793,868 23.75% 747,602 24.62% 4,095,422 100.00% 3,703,777 100.00% 3,342,477 100.00% 3,035,956 100.00% 2006 2005 2004 2003 12 31 12 31 12 31 12 31 250,412 7.66% 226,695 7.74% 203,727 7.99% 183,440 8.02% 686,480 20.99% 640,856 21.89% 534,382 20.97% 489,667 21.40% 1,096,859 33.55% 955,325 32.63% 824,746 32.36% 735,308 32.13% 874,594 26.75% 791,382 27.03% 714,551 28.04% 644,504 28.16% 361,464 11.05% 313,304 10.70% 271,203 10.64% 235,435 10.29% 3,269,809 100.00% 2,927,562 100.00% 2,548,609 100.00% 2,288,354 100.00% 26,579.33 81.29% 64.90% 2006 12 31 /(%) 2005 12 31 /(%) 196,436 (4.80%) 2,902,584 (70.87%) 201,820 (5.45%) 2,531,878 (68.36%) 573,912 (14.01%) 529,827 (14.30%) 422,490 (10.32%) 440,252 (11.89%)

33 2006 29,025.84 70.87% 2.51 3,707.06 94.65% 10.32% 14.01% (2) 2006 6 16 9 294.041 (H 581.28 (3) 2006 6 29 64.941A 129.58 (4) 2006 418.92 20063,882.54 1,544.1266.03% (1) 2006 3 13 85.14 1 14.81 2006 3 200610,878.22

34 2006 2006 2005 2006 2005 2006 2005 2006 2005 2006 2005 4,291,241 3,803,989 1,078,863 966,225 214,735 186,982 (259,566 ) (214,390 ) 5,325,273 4,742,806 3,915,907 3,584,086 978,465 871,046 204,673 178,853 (191,586 ) (153,799 ) 4,907,459 4,480,186 100,910 82,687 17,980 16,027 1,813 1,691 4 120,707 100,405 6,215 7,132 10,483 7,224 827 1,267 (604 ) 16,921 15,623 8,629 5,207 5,369 3,226 829 814 (504 ) 14,323 9,247 (43,139 ) (36,600 ) (9,070 ) (7,287 ) (1,465 ) (1,717 ) 60 (53,614 ) (45,604 ) 57,619 47,627 19,330 15,904 1,143 1,213 (540 ) 77,552 64,744 (14,923 ) (15,404 ) 3,106 3,869 230 550 (11,587 ) (10,985 ) 42,672 32,752 23,395 20,450 1,482 1,938 (540 ) 67,009 55,140 (16,353 ) (19,409 ) (3,404 ) (2,814 ) (290 ) (320 ) 190 (19,857 ) (22,543 ) (9 ) (5 ) (5,251 ) (5,100 ) (5,260 ) (5,105 ) 26,310 13,338 14,740 12,536 1,192 1,618 (350 ) 41,892 27,492 2006 42,912.41 4,872.5212.81% 76.84% 0.10 2006576.19 99.92 20.98% 73.78% 263.10 129.7297.26% 62.28% 2006 10,788.631,126.38 11.66% 19.32% 0.17 2006 193.30 34.2621.54% 24.75% 147.40 22.04 17.58% 34.89% 2006 2,147.35 277.5314.84% 3.84%2006 11.43 11.921.46% 2.82%

35 2006 239 2007 1 1 2007 1 1 2006 11 [2006]136 38 2006 2007 1 1 2006 6 38 2007 2 1 2007 2007 1 1 2007

36 2006 2006 12 31 388,254 1 3,318 2 (5,316) 3 2,550 4 (791) 5 (286) 6 36 (489) 29,560 7 2007 1 1 417,325 1 2 2006 12 31 2006 2006 2007 3 22(2007)10826 3 5 6 1 3 4 9 22 7

37 2 2005 [2005]141 2006 2005 2004 242,192 190,894 51,298 155,446 67,009 55,140 11,869 34,576 41,892 27,492 14,400 20,932 39,822 26,174 13,648 20,310 27,908 13,883 14,025 (100,738) 2006 2005 % 2004 5,325,273 4,742,806 12.28% 4,270,443 388,254 233,842 66.03% 205,351 = +++ +

38 2006 2006 2005 2004 1 0.17 0.13 0.04 0.11 % 2 10.79 11.76 (0.97) 10.19 41,892 27,492 14,400 20,932 % 3 10.26 11.19 (0.93) 9.89 4 0.11 0.07 0.04 (0.54) 2006 2005 % 2004 1.53 1.12 36.61% 1.10 1.52 1.11 36.94% 1.09 1 2 3 4 9 [2001]11 % 77,552 19.97% 24.28% 0.31 0.33 77,552 19.97% 24.28% 0.31 0.33 41,892 10.79% 13.11% 0.17 0.18 39,822 10.26% 12.46% 0.16 0.17

39 271,500 47,000 2006 2005 2004 73,649 94.97% 63,219 97.64% 56,243 97.24% 1,301 1.68% 321 0.50% 324 0.56% 539 0.70% 291 0.45% 302 0.52% 1,418 1.83% (21) (0.03%) 972 1.68% 645 0.82% 934 1.44% 77,552 100.00% 64,744 100.00% 57,841 100.00%

40 2006 2006 2005 20062005 43,313 58.81% 41,248 65.25% 2,065 5.01% 17,694 24.02% 12,493 19.76% 5,201 41.63% 12,642 17.17% 9,478 14.99% 3,164 33.38% 73,649 100.00% 63,219 100.00% 10,430 16.50% 2006 41,000 1,500 11 2006

41 2006323 11.6% 1.87% 20062005 2006 2005 55,416 51,124 4,292 8.40% 10,742 9,604 1,138 11.85% (19,695) (16,468) (3,227) 19.60% 43,313 41,248 2,065 5.01% (11,166) (12,529) 1,363 (10.88%) 32,298 28,941 3,357 11.60% 1,797,363 1,658,718 138,645 8.36% 2006 11,608 1,654 16.6% 7.7% 2006 167.20 3.442.10% 2006 2,394 171 7.7% 2006 12,451 1,490 13.59% 6.3% 2006 383.4717.83 29.12% 2006 3,045 124 4.26% 2006 1,341 73 10014

42 2006 1110 2006 5,880.4512.04% 4,928.4819.22% 2006 31.13% 2006 2005 49,284,757 41,338,326 9,519,777 11,147,464 58,804,534 52,485,790 34,335,805 28,323,331 93,140,339 80,809,121 2006 270.89 2.90% 445.52 166.65% 2006 12780.59% 732.34 90.97%

43 2006 56.4519.75% 343.14163.62% 2006 3,433.58 21.23% 432.19 26.57% 2006 8.5 31.0% 2006 2006 4.26 43.92% 2006 10 9 2006

44 2006 2006 2007 20061.40 1.83 0.35 2006 CHINAREN VISA2006 2006 MasterCard 2006 20062006 2006 2006 2006 2006

45 2006 KPI 2006 173.5 20.98% 2.7% 20062005 2006 2005 36,142 31,877 4,265 13.38% 8,702 5,860 2,842 48.50% (26,188) (24,330) (1,858) 7.64% 17,694 12,493 5,201 41.63% (569) 1,434 (2,003) (139.68%) 17,345 14,337 3,008 20.98% 687,592 603,891 83,701 13.86% 2006 16,027.55 1,864.29 9.92% 304.65 20.44 5,782.13 312.73 20064,436 636 3,378 510 1,391 39 2006 97297 2070

46 2006 20 2,226 1,007 AFP197 CFP 1985 215 240 215 200 160 135 120 90 80 50 40 0 2003 2004 2005 2006 37% 2006 9,860 1,600 1,478 1,200 976 Great Wall 2006721 800 400 0 409 684 2003 2004 2005 2006

47 2006 19223 240 223 191 200 156 160 120 103 80 40 0 2003 2004 2005 2006 2008 5 RBS RBS Citizens BTS JCB CHINAREN QDII 2007

48 2006 24 2006 10 2006 2005 2006 128 32.5% 0.5% 20062005 2006 2005 29,861 18,055 11,806 65.39% (8,531) (2,296) (6,235) 271.56% (6,398) (4,583) (1,815) 39.60% 12,642 9,478 3,164 33.38% 9 (5) 14 (280.00%) 12,774 9,642 3,132 32.48% 2,727,735 2,399,377 328,358 13.69%

49 MBS ABS CDO Aaa 74.9% 2006 2.039 2006 4,000 2.16 2006 17,21070 600 2006 2005 347 308 240 160 44 35.2 2006 7,30238% 8,965 26% 2006 2006 2006 2006 2005 33.86% 36.79%

50 2006 2006 30 3,000 2006 54 2006 2006 22166 197510.4 2006 20063,000 3,428 2005 2006 16 SHIBOR

51 2007 2006 2001 65.87% 2006 9,227.772006 91.15 2002 7 2006302 287 14 1 (ATM) 4452006 51% 2006

52 2006 2006 2005 9,115 8,803 312 21.76% 32.02% (10.26%) 2006 9.3% 2003 2007 1 2004 2 2006 1.8% 22.7%2006 3 14 2007 11,000 1998 7 10

53 2006 200611.4 293% 2006 H7 IPO 12.2% 2006 2006 20% 2006 287.3 12.7% 8% 2006 200 2007

54 2006 2006 48.742006 12.1 7.699.56% 2006 2005 2004 1,213 1,266 1,398 2006 2006 51% 2006 12,581.09 6,157.48 95.86% 2007 1984 2006422.89 2006 14.938% 2006 2006 SKY SPLENDOR 2007

55 2006 (1) (2) (3) (4) (5)

56 2006 2006 2006 A B 2006 A 45.2% 3.3 PD 2006 81.75% 18.25% 41.22% 24.41% 2006 996.75404.16 2006 12 31 2005 12 31 2004 12 31 2003 12 31 1,988,121 81.75% 1,799,923 80.53% 1,734,302 80.80% 1,746,644 80.96% 443,685 18.25% 435,123 19.47% 412,160 19.20% 410,829 19.04% 2,431,806 100.00% 2,235,046 100.00% 2,146,462 100.00% 2,157,473 100.00% 200620.66 18.49

57 2006 12 31 2005 12 31 2004 12 31 2003 12 31 348,596 17.53% 322,451 17.91% 313,843 18.10% 352,284 20.17% 135,906 6.84% 131,430 7.30% 128,374 7.40% 138,831 7.95% 819,434 41.22% 719,759 39.99% 679,773 39.19% 621,900 35.61% 485,285 24.41% 444,869 24.72% 433,860 25.02% 453,863 25.98% 198,900 10.00% 181,414 10.08% 178,452 10.29% 179,766 10.29% 1,988,121 100.00% 1,799,923 100.00% 1,734,302 100.00% 1,746,644 100.00% 2006 126.43 2006 2006 12 31 2005 12 31 2004 12 31 2003 12 31 602,865 32.61% 531,191 31.02% 523,508 31.68% 558,916 31.51% 301,254 16.29% 301,863 17.63% 348,432 21.09% 430,993 24.29% 217,960 11.79% 190,297 11.12% 187,110 11.32% 216,734 12.22% 260,706 14.10% 230,854 13.48% 203,544 12.32% 188,821 10.64% 211,786 11.45% 193,428 11.30% 184,449 11.16% 174,669 9.85% 106,141 5.74% 91,924 5.37% 87,731 5.31% 75,465 4.25% 38,897 2.10% 36,050 2.11% 36,059 2.18% 44,548 2.51% 72,909 3.94% 96,245 5.62% 46,518 2.82% 48,261 2.72% 36,544 1.98% 40,191 2.35% 35,070 2.12% 35,673 2.01% 1,849,062 100.00% 1,712,043 100.00% 1,652,421 100.00% 1,774,080 100.00% 456,930 78.41% 413,007 78.97% 360,595 72.99% 275,303 71.81% 8,458 1.45% 6,785 1.30% 5,973 1.21% 4,944 1.29% 117,356 20.14% 103,211 19.73% 127,473 25.80% 103,146 26.90% 582,744 100.00% 523,003 100.00% 494,041 100.00% 383,393 100.00% 2,431,806 100.00% 2,235,046 100.00% 2,146,462 100.00% 2,157,473 100.00%

58 2006 2006 12 31 2005 12 31 2004 12 31 2003 12 31 555,819 35.99% 490,898 34.57% 497,317 35.96% 528,296 35.39% 255,787 16.56% 255,460 17.99% 284,772 20.59% 366,279 24.54% 113,589 7.35% 96,390 6.79% 100,932 7.30% 127,368 8.53% 240,314 15.56% 210,281 14.81% 186,942 13.52% 169,948 11.39% 182,398 11.81% 165,396 11.65% 157,762 11.41% 149,580 10.02% 105,933 6.86% 91,924 6.47% 87,731 6.34% 75,465 5.06% 34,676 2.25% 30,089 2.12% 27,938 2.02% 34,539 2.31% 53,333 3.45% 77,237 5.44% 32,079 2.32% 36,873 2.47% 2,692 0.17% 2,290 0.16% 7,484 0.54% 4,277 0.29% 1,544,541 100.00% 1,419,965 100.00% 1,382,957 100.00% 1,492,625 100.00% 337,834 76.16% 286,829 75.49% 240,640 68.49% 159,314 62.72% 2,876 0.65% 1,929 0.51% 1,441 0.41% 931 0.37% 102,870 23.19% 91,200 24.00% 109,264 31.10% 93,774 36.91% 443,580 100.00% 379,958 100.00% 351,345 100.00% 254,019 100.00% 1,988,121 100.00% 1,799,923 100.00% 1,734,302 100.00% 1,746,644 100.00% 2006 12 31 2005 12 31 2004 12 31 2003 12 31 1,692,980 69.62% 1,477,859 66.12% 1,378,760 64.23% 1,320,889 61.22% 738,826 30.38% 757,187 33.88% 767,702 35.77% 836,584 38.78% 2,431,806 100.00% 2,235,046 100.00% 2,146,462 100.00% 2,157,473 100.00% 2006 12 31 2005 12 31 2004 12 31 2003 12 31 1,688,414 84.93% 1,475,821 81.99% 1,378,343 79.48% 1,320,635 75.61% 299,707 15.07% 324,102 18.01% 355,959 20.52% 426,009 24.39% 1,988,121 100.00% 1,799,923 100.00% 1,734,302 100.00% 1,746,644 100.00%

59 2006 12 31 2005 12 31 2004 12 31 2003 12 31 536,080 22.05% 475,764 21.29% 447,800 20.86% 369,632 17.13% 731,759 30.09% 684,824 30.64% 650,905 30.32% 804,132 37.27% 1,163,967 47.86% 1,074,458 48.07% 1,047,757 48.82% 983,709 45.60% 2,431,806 100.00% 2,235,046 100.00% 2,146,462 100.00% 2,157,473 100.00% 2006 12 31 2005 12 31 2004 12 31 2003 12 31 432,874 21.77% 368,944 20.50% 364,935 21.04% 290,503 16.63% 632,985 31.84% 600,323 33.35% 581,996 33.56% 735,849 42.13% 922,262 46.39% 830,656 46.15% 787,371 45.40% 720,292 41.24% 1,988,121 100.00% 1,799,923 100.00% 1,734,302 100.00% 1,746,644 100.00% 2006 12 31 2005 12 31 87,331 3.59% 77,846 3.48% 1 1 1,081,992 44.49% 1,177,419 52.68% 1 5 5 642,817 26.43% 518,316 23.19% 5 619,666 25.49% 461,465 20.65% 2,431,806 100.00% 2,235,046 100.00%

60 2006 2006 12 31 2005 12 31 82,548 4.15% 72,837 4.05% 1 1 953,495 47.96% 1,062,790 59.04% 1 5 5 464,060 23.34% 340,366 18.91% 5 488,018 24.55% 323,930 18.00% 1,988,121 100.00% 1,799,923 100.00% 2006 2005 2004 12 31 12 31 12 31 % 1 10 2.2 4.7 3.4 % 2 50 15.7 25.6 25.4 1 = 2 = 2006 2006 12 31 A 10,366 0.43% B 9,604 0.39% C 8,306 0.34% D 7,909 0.33% E 7,850 0.32% F 6,814 0.28% G 6,548 0.27% H 6,127 0.25% I 5,315 0.22% J 5,080 0.21% 73,919 3.04%

61 2006 2006982.20 50.06 4.04% 0.58 958.22 23.874.82% 0.64 2006 2006 1,981.45859.03 8.15% 4.56 2006 12 31 2005 12 31 2004 12 31 2003 12 31 2,135,441 87.81% 1,847,772 82.67% 1,611,936 75.10% 1,491,281 69.12% 198,145 8.15% 284,048 12.71% 424,606 19.78% 314,968 14.60% 39,390 1.62% 45,573 2.04% 61,289 2.86% 63,088 2.92% 44,100 1.81% 44,550 1.99% 32,931 1.53% 116,032 5.38% 14,730 0.61% 13,103 0.59% 15,700 0.73% 172,104 7.98% 2,431,806 100.00% 2,235,046 100.00% 2,146,462 100.00% 2,157,473 100.00% 98,220 4.04% 103,226 4.62% 109,920 5.12% 351,224 16.28%

62 2006 2006 12 31 2005 12 31 2004 12 31 2003 12 31 1,703,695 85.69% 1,430,210 79.46% 1,227,414 70.77% 1,142,995 65.44% 188,604 9.49% 271,504 15.08% 408,571 23.56% 284,400 16.28% 38,517 1.94% 44,056 2.45% 57,656 3.32% 56,160 3.21% 43,119 2.17% 42,852 2.38% 29,787 1.72% 110,159 6.31% 14,186 0.71% 11,301 0.63% 10,874 0.63% 152,930 8.76% 1,988,121 100.00% 1,799,923 100.00% 1,734,302 100.00% 1,746,644 100.00% 95,822 4.82% 98,209 5.46% 98,317 5.67% 319,249 18.28% 2006 2006 12 31 2005 12 31 2004 12 31 2003 12 31 2,313,252 95.12% 2,108,575 94.34% 2,024,261 94.31% 1,850,938 85.79% 1 90 44,336 1.83% 50,450 2.26% 65,540 3.05% 24,086 1.12% 91 180 8,957 0.37% 14,012 0.63% 15,842 0.74% 10,448 0.48% 180 65,261 2.68% 62,009 2.77% 40,819 1.90% 272,001 12.61% 118,554 4.88% 126,471 5.66% 122,201 5.69% 306,535 14.21% 2,431,806 100.00% 2,235,046 100.00% 2,146,462 100.00% 2,157,473 100.00% 90 74,218 3.05% 76,021 3.40% 56,661 2.64% 282,449 13.09%

63 2006 12 31 2005 12 31 2004 12 31 2003 12 31 1,876,184 94.37% 1,681,891 93.44% 1,624,844 93.69% 1,464,882 83.87% 1 90 39,307 1.98% 47,587 2.64% 61,930 3.57% 19,167 1.10% 91 180 8,625 0.43% 13,643 0.76% 15,261 0.88% 9,164 0.52% 180 64,005 3.22% 56,802 3.16% 32,267 1.86% 253,431 14.51% 111,937 5.63% 118,032 6.56% 109,458 6.31% 281,762 16.13% 1,988,121 100.00% 1,799,923 100.00% 1,734,302 100.00% 1,746,644 100.00% 90 72,630 3.65% 70,445 3.92% 47,528 2.74% 262,595 15.03% 20061,030.19 62.92 4.24% 0.65 984.36 37.044.95% 0.72 45.8325.88 1.03% 0.62

64 2006 2006 2005 2004 2003 109,311 118,157 357,786 427,229 41,929 41,190 76,583 45,762 (48,221) (50,036) (316,212) (115,205) 103,019 109,311 118,157 357,786 2006 2005 2004 2003 102,140 104,327 323,820 355,345 40,924 39,721 74,077 37,632 (44,628) (41,908) (293,570) (69,157) 98,436 102,140 104,327 323,820 2006 12 31 2005 12 31 2004 12 31 2003 12 31 98,436 95.55% 4.95% 102,140 93.44% 5.67% 104,327 88.29% 6.02% 323,820 90.51% 18.54% 4,583 4.45% 1.03% 7,171 6.56% 1.65% 13,830 11.71% 3.36% 33,966 9.49% 8.27% 103,019 100.00% 4.24% 109,311 100.00% 4.89% 118,157 100.00% 5.50% 357,786 100.00% 16.58%

65 2006 12 31 2005 12 31 2004 12 31 2003 12 31 18,718 19.02% 5.37% 17,699 17.33% 5.49% 22,600 21.66% 7.20% 67,140 20.73% 19.06% 12,460 12.66% 9.17% 12,363 12.10% 9.41% 13,170 12.62% 10.26% 36,213 11.18% 26.08% 24,269 24.65% 2.96% 27,811 27.23% 3.86% 28,595 27.41% 4.21% 91,087 28.13% 14.65% 28,008 28.45% 5.77% 30,611 29.97% 6.88% 26,611 25.51% 6.13% 98,759 30.50% 21.76% 14,981 15.22% 7.53% 13,656 13.37% 7.53% 13,351 12.80% 7.48% 30,621 9.46% 17.03% 98,436 100.00% 4.95% 102,140 100.00% 5.67% 104,327 100.00% 6.02% 323,820 100.00% 18.54% 2006 12 31 2005 12 31 2004 12 31 2003 12 31 33,910 38.19% 6.10% 32,969 35.59% 6.72% 32,218 33.38% 6.48% 126,743 40.18% 23.99% 22,579 25.42% 8.83% 25,443 27.46% 9.96% 26,344 27.29% 9.25% 122,784 38.93% 33.52% 10,710 12.06% 9.43% 12,763 13.77% 13.24% 13,453 13.93% 13.33% 22,060 6.99% 17.32% 6,153 6.93% 2.56% 6,665 7.19% 3.17% 6,588 6.82% 3.52% 19,619 6.22% 11.54% 8,258 9.30% 4.53% 7,759 8.37% 4.69% 9,729 10.08% 6.17% 7,349 2.33% 4.91% 4,523 5.09% 4.27% 4,627 4.99% 5.03% 5,564 5.76% 6.34% 6,019 1.91% 7.98% 2,322 2.61% 6.70% 2,226 2.40% 7.40% 2,569 2.66% 9.20% 5,190 1.65% 15.03% 187 0.21% 0.35% 215 0.23% 0.28% 72 0.07% 0.22% 3,618 1.15% 9.81% 171 0.19% 6.35% 6 0.01% 0.08% 2,015 0.64% 47.11% 88,813 100.00% 5.75% 92,667 100.00% 6.53% 96,543 100.00% 6.98% 315,397 100.00% 21.13%

66 2006 2006 12 31 2005 12 31 2004 12 31 2003 12 31 4,100 42.60% 1.21% 3,837 40.50% 1.34% 3,608 46.35% 1.50% 3,003 35.65% 1.88% 219 2.28% 7.61% 228 2.41% 11.82% 218 2.80% 15.13% 262 3.11% 28.14% 5,304 55.12% 5.16% 5,408 57.09% 5.93% 3,958 50.85% 3.62% 5,158 61.24% 5.50% 9,623 100.00% 2.17% 9,473 100.00% 2.49% 7,784 100.00% 2.22% 8,423 100.00% 3.32% 2006 12 31 2005 12 31 2004 12 31 2003 12 31 92,024 89.33% 4.98% 98,669 90.26% 5.76% 108,004 91.41% 6.54% 345,346 96.52% 19.47% 10,995 10.67% 1.89% 10,642 9.74% 2.03% 10,153 8.59% 2.06% 12,440 3.48% 3.24% 103,019 100.00% 4.24% 109,311 100.00% 4.89% 118,157 100.00% 5.50% 357,786 100.00% 16.58% 2006 12 31 2005 12 31 2004 12 31 2003 12 31 88,813 90.22% 5.75% 92,667 90.73% 6.53% 96,543 92.54% 6.98% 315,397 97.40% 21.13% 9,623 9.78% 2.17% 9,473 9.27% 2.49% 7,784 7.46% 2.22% 8,423 2.60% 3.32% 98,436 100.00% 4.95% 102,140 100.00% 5.67% 104,327 100.00% 6.02% 323,820 100.00% 18.54% 2006 12 31 2005 12 31 2004 12 31 2003 12 31 86,816 84.27% 5.13% 87,980 80.49% 5.95% 84,469 71.49% 6.13% 204,638 57.20% 15.49% 16,203 15.73% 2.19% 21,331 19.51% 2.82% 33,688 28.51% 4.39% 153,148 42.80% 18.31% 103,019 100.00% 4.24% 109,311 100.00% 4.89% 118,157 100.00% 5.50% 357,786 100.00% 16.58%

67 2006 12 31 2005 12 31 2004 12 31 2003 12 31 86,816 88.20% 5.14% 87,980 86.14% 5.96% 84,469 80.97% 6.13% 204,638 63.19% 15.50% 11,620 11.80% 3.88% 14,160 13.86% 4.37% 19,858 19.03% 5.58% 119,182 36.81% 27.98% 98,436 100.00% 4.95% 102,140 100.00% 5.67% 104,327 100.00% 6.02% 323,820 100.00% 18.54% 2006 12 31 2005 12 31 2004 12 31 2003 12 31 81,730 79.33% 83,242 76.15% 89,768 75.97% 260,241 72.74% 21,289 20.67% 26,069 23.85% 28,389 24.03% 97,545 27.26% 103,019 100.00% 109,311 100.00% 118,157 100.00% 357,786 100.00% 2006 12 31 2005 12 31 2004 12 31 2003 12 31 78,409 79.65% 78,309 76.67% 81,747 78.36% 241,200 74.49% 20,027 20.35% 23,831 23.33% 22,580 21.64% 82,620 25.51% 98,436 100.00% 102,140 100.00% 104,327 100.00% 323,820 100.00% 9 2006 942.93 111.40 91.53% 15.46 2006116.87

68 2006 7.99 0.50% 901.60119.67 91.59% 15.04 2006 149.75 1.31 0.79%0.05 2006 2005 2004 2003 83,153 74,769 236,342 315,893 11,687 10,888 22,793 14,701 (3,684) (4,783) (186,873) (62,007) 3,589 2,954 2,507 731 (452) (675) (32,976) 94,293 83,153 74,769 236,342 2006 2005 2004 2003 78,193 67,158 221,061 273,662 14,975 14,844 25,907 15,934 (2,798) (3,421) (180,333) (35,675) 83 120 523 116 (293) (508) (32,976) 90,160 78,193 67,158 221,061

69 2006 12 31 2005 12 31 2004 12 31 2003 12 31 90,160 95.62% 91.59% 78,193 94.04% 76.55% 67,158 89.82% 64.37% 221,061 93.53% 68.27% 4,133 4.38% 90.18% 4,960 5.96% 69.17% 7,611 10.18% 55.03% 15,281 6.47% 44.99% 94,293 100.00% 91.53% 83,153 100.00% 76.07% 74,769 100.00% 63.28% 236,342 100.00% 66.06% 2006 12 31 2005 12 31 2004 12 31 2003 12 31 13,337 20.88% 71.25% 10,624 19.64% 60.03% 9,697 22.87% 42.91% 40,399 19.72% 60.17% 7,903 12.37% 63.43% 7,020 12.98% 56.78% 5,903 13.92% 44.82% 23,789 11.61% 65.69% 13,530 21.18% 55.75% 12,482 23.07% 44.88% 10,803 25.48% 37.78% 57,269 27.96% 62.87% 19,495 30.52% 69.61% 16,929 31.29% 55.30% 10,675 25.18% 40.11% 64,730 31.60% 65.54% 9,614 15.05% 64.17% 7,044 13.02% 51.58% 5,322 12.55% 39.86% 18,669 9.11% 60.97% 63,879 100.00% 64.89% 54,099 100.00% 52.97% 42,400 100.00% 40.64% 204,856 100.00% 63.26% 2006 12 31 2005 12 31 2004 12 31 2003 12 31 22,018 38.67% 64.93% 17,341 35.71% 52.60% 14,130 36.39% 43.86% 79,467 39.78% 62.70% 14,759 25.93% 65.37% 13,630 28.07% 53.57% 10,791 27.79% 40.96% 82,282 41.18% 67.01% 5,937 10.43% 55.43% 5,647 11.63% 44.25% 3,310 8.52% 24.60% 12,474 6.24% 56.55% 4,092 7.19% 66.50% 3,473 7.15% 52.11% 2,726 7.02% 41.38% 10,480 5.24% 53.42% 6,100 10.72% 73.87% 5,500 11.32% 70.89% 5,572 14.35% 57.27% 3,444 1.72% 46.86% 2,419 4.25% 53.48% 1,877 3.87% 40.57% 1,635 4.21% 29.39% 3,860 1.93% 64.13% 1,430 2.51% 61.58% 1,003 2.06% 45.06% 647 1.67% 25.18% 3,545 1.77% 68.30% 100 0.18% 53.48% 93 0.19% 43.26% 15 0.04% 20.83% 2,741 1.37% 75.76% 70 0.12% 40.94% 3 0.01% 50.00% 1,539 0.77% 76.38% 56,925 100.00% 64.10% 48,564 100.00% 52.41% 38,829 100.00% 40.22% 199,832 100.00% 63.36%

70 2006 2006 12 31 2005 12 31 2004 12 31 2003 12 31 71,234 79.01% 80.21% 60,267 77.07% 65.04% 49,135 73.16% 50.89% 206,875 93.58% 65.59% 18,926 20.99% 196.67% 17,926 22.93% 189.23% 18,023 26.84% 231.54% 14,186 6.42% 168.42% 90,160 100.00% 91.59% 78,193 100.00% 76.55% 67,158 100.00% 64.37% 221,061 100.00% 68.27% 2006 12 31 2005 12 31 2004 12 31 2003 12 31 53,846 57.10% 45,738 55.01% 35,699 47.75% 153,810 65.08% 12,735 13.51% 12,009 14.44% 12,614 16.87% 63,601 26.91% 27,712 29.39% 25,406 30.55% 26,456 35.38% 18,931 8.01% 94,293 100.00% 83,153 100.00% 74,769 100.00% 236,342 100.00% 2006 12 31 2005 12 31 2004 12 31 2003 12 31 51,269 56.86% 42,720 54.64% 31,539 46.96% 142,924 64.65% 12,610 13.99% 11,379 14.55% 10,861 16.17% 61,932 28.02% 26,281 29.15% 24,094 30.81% 24,758 36.87% 16,205 7.33% 90,160 100.00% 78,193 100.00% 67,158 100.00% 221,061 100.00%

71 2006 VAR 2006 95% 5%2006 2005 2006 2006 12 31 2005 12 31 1.79 2.71 16.25 0.54 4.77 3.27 11.94 0.20 0.81 2.99 14.12 0.39 12.84 2.70 18.69 0.34 0.13 0.79 6.19 0.07 0.36 0.80 2.54 0.04 2.07 5.64 19.15 0.86 15.06 5.10 18.86 0.69

72 2006 Kondor+ Bloomberg PTS DerivaTech Summit RiskMetrics Kondor+ Bloomberg PTS DerivaTech Summit RiskMetrics 2006 2006 40% 2006 2006 80% 2006 2005 1 3 1 1 3 1 5 5 2006 12 31 (1,127,311) 220,794 591,503 347,020 341,294 39,656 2005 12 31 (894,734) 33,843 464,652 402,985 241,871 6,902 = 1 3 1 1 3 1 5 5 2006 12 31 (928,376) 155,514 547,218 267,636 246,984 66,418 2005 12 31 (828,023) 40,274 423,374 323,711 195,677 48,800

73 2006 1 1 2007100 68.18 2007100 68.18 2006 2007 2006 SHIBOR2007 1 4 2006

74 2006 2006 2006 2006 2006 2005 2004 12 31 12 31 12 31 % 1 25 37.7 48.9 35.3 25 64.1 87.4 78.6 % 2 75 57.6 51.7 59.6 85 70.1 70.4 67.9 % 3 2.8 3.0 3.7 4 25.8 16.9 13.4 1 = 2 = 3 =+ + 4 =++

75 2006 2005 1 1 3 1 3 1 5 5 2006 12 31 48,753 (1,883,614) (678) 55,733 44,077 1,066,568 1,086,975 417,814 2005 12 31 40,453 (1,636,947) (11,987) (74,823) 170,479 967,589 807,856 262,620 = 20061 40% 2006 2006 RBS 2007

2006 76 2006 2006 600 2006 5 23 72% 12 42% 254 88%2,171 57%3,22850% 7751,13283 2001

77 8% 2004 2 23 [2004] 22005 [2004] 374 2006

78 2006 2006 13.59% 3.17 11.44% 3.36 2006 2005 2004 12 31 12 31 12 31 253,623 209,427 186,390 126,916 25,795 21,276 29,560 28,778 27,387 410,099 264,000 235,053 28,315 25,677 24,881 60,000 60,000 26,070 (2,439) (1,380) (2,315) 85,876 84,297 48,636 495,975 348,297 283,689 (1,875) (4,371) (2,877) (1,399) (5,141) (5,697) (5,228) (13,226) (13,486) (6,585) 471,362 326,237 270,477 396,855 252,970 228,447 2,758,602 2,456,160 2,400,695 421,560 337,029 292,808 3,180,162 2,793,189 2,693,503 3,469,017 3,131,002 2,693,503 13.59% 10.42% 10.04% 11.44% 8.08% 8.48%

79 2004 2005 RAROC EVA = x100% = Fund Transfer 2005 Fund Transfer Pricing FTP FTP 2006 FTP FTP = x (1) FTP FTP (2) FTP (3) FTP 2006 FTP FTP

80 2006 200611,241 405 37 28310,277 643 2006 12 31 1,625 15.3% 931 8.8% 3,539 33.4% 2,856 26.9% 1,647 15.6% 10,598 100.0% 2006

81 IT 2 3 2006 2006 232,632 1 40,620 20,2042006 7,278 30 28,928 16.84% 3140 95,831 55.78% 4150 40,617 23.64% 5160 6,317 3.68% 60 115 0.06% 2,883 1.68% 64,231 37.39% 71,639 41.70% 33,055 19.23% 18,151 10.56% 16,088 9.36% 1,338 0.78% 25,256 14.71% 12,099 7.04% 10,086 5.87% 2 4,331 2.52% 3 84,459 49.16% 1 2 3

82 2006 2006 97.9% 20 99.25% 2006 2006 2006 RBS EMBA 2007 IT

83 2006RBS 4 2006RBS4 RBS747 RBS 500 2006 3 RBS 2006 RBS Jane's 2006 RBS RBS Citizens IPO RBS RBS 2007 2011 RBS IT RBS IT RBS 2006 25% EBS Electronic Broking

2006 84 System RBS 4 RBS RACA&KRI 2RBS 3 RBS RBS RBS RBS RBS 3 VAR 3 RBS RBS RBS RBS 8 RBSRBS RBS RBS RBS3 18 IT 2006 2RBS 3

85 2006 2006 1,00017 2006AAA 2006 500255 Universum 2006

86 2006 IPO 2006 100 30 2006 2006 1,700

87 2006 115 179 2006 69.5 2006 2006 2 2008 20 2006 12 2006 2006 2006 2006 8 2006

88 2006 2006 1 1 2006 12 31 H A 173,487,740,209 68.34% 1 174,128,718,217 83.15% (2,803,313,477) (2,803,313,477) 171,325,404,740 67.49% 2 8,514,415,652 (8,514,415,652) 3 3,038,959,000 (876,623,531) 2,162,335,469 2,162,335,469 0.85% 4 35,298,644,140 16.85% (35,298,644,140) (35,298,644,140) 35,298,644,140 16.85% (35,298,644,140) (35,298,644,140) 80,351,421,800 31.66% 1 3,454,547,000 876,623,531 4,331,170,531 4,331,170,531 1.71% 2 3 29,403,878,000 46,616,373,269 76,020,251,269 76,020,251,269 29.95% 209,427,362,357 100.00% 8,514,415,652 29,403,878,000 6,493,506,000 44,411,799,652 253,839,162,009 100.00% 1 2006 3 13 8,514,415,652 2 2006 6 1 H H 25,568,590,000 6 9 H 3,835,288,000 29,403,878,000 H 35,298,644,140 8,514,415,652 2,803,313,477H 3 2006 66,493,506,000 A2006 6 29 A 171,325,404,740A2006 7 5 AA 14 18 1,285,712,0003 876,623,5316 876,623,469 3,454,547,000 2006 10 52007 1 5 4 2006A 177,818,910,740H 76,020,251,269 253,839,162,009 5 A 6

89 2006 6 1 H H 25,568,590,000 6 9 H 3,835,288,000H H11.89%2.95 867 6 1923A7 5 3.08 A6,493,506,000 2.56% 200 HA 14.14% 253,839,162,009 253,839,162,009 19 2006 12 31846,127 H 378,972A 467,155 A 2007 1 5 876,623,469 172,611,116,740 5,207,794,000 IPO 6 2008 1 5 1,285,712,000 171,325,404,740 6,493,506,000 IPO 18 2009 7 5 171,325,404,740 177,818,910,740 A3 A AH

90 2006 2006 12 31 A 1 171,325,404,740 2009 7 5 171,325,404,740 2 144,559,043 3 123,376,000 2008 1 5 123,376,000 005L CT001 4 90,909,000 2008 1 5 90,909,000 4 90,909,000 2008 1 5 90,909,000 4 90,909,000 2008 1 5 90,909,000 4 90,909,000 2008 1 5 90,909,000 4 90,909,000 2008 1 5 90,909,000 008C CT001 4 90,909,000 2008 1 5 90,909,000 007G ZY001 4 90,909,000 2008 1 5 90,909,000 4 90,909,000 2008 1 5 90,909,000 4 90,909,000 2008 1 5 90,909,000 4 90,909,000 2008 1 5 90,909,000 4 90,909,000 2008 1 5 90,909,000 144,559,04347,157,043 2007 1 5 97,402,000 2008 1 5 2006 12 31 1 A 171,325,404,740 67.49% 2 H 30,262,318,674 11.92% 3 RBS China Investments S.à.r.l. H 20,942,736,236 8.25% 4 H 10,471,368,118 4.13% 5 H 8,377,341,329 3.30% 6 H 3,377,860,684 1.33% 7 H 506,679,102 0.20% 8 The Bank of Tokyo-Mitsubishi UFJ Ltd H 473,052,000 0.19% 9 Wingreat International Limited H 420,490,000 0.17% 10 Best Sense Investments Limited H 236,526,000 0.09% 10 Turbo Top Limited H 236,526,000 0.09% H H

91 2006 12 31 A 1 210,000,000 A 2 96,629,963 A 3 73,469,700 A 4 CITIGROUP GLOBAL MARKETS LIMITED 62,858,475 A 5 50 49,869,579 A 6 42,000,000 A 7 35,179,154 A 8 31,575,159 A 9 005L CT001 27,058,100 A 10 25,843,028 A 2006 12 31 336 A H 171,325,404,740 A 96.35% 67.49% 1 20,944,789,236 H 27.55% 8.25% RBS CI Limited 1 20,942,736,236 H 27.54% 8.25% RBS China Investments S.à.r.l. 20,942,736,236 H 27.54% 8.25% 2 11,792,559,118 H 15.51% 4.65% 11,317,729,129 H 14.89% 4.46% 4,582,523,525 H 6.03% 1.81% 1,084,612,402(S) 3 1.43% 0.43% 1 RBS CI Limited RBS CI Limitd RBS China Investments S.à.r.l. 51.61% RBS CI Limited RBS China Investments S.à.r.l. 2 Fullerton Management Pte Ltd Fullerton Management Pte Ltd Fullerton Management Pte Ltd 11,785,825,118 3 S 2006 12 31 336 2003 12 16 3,724.65 4,966.125

94 2006 48 2004 8 2007 8 152.3770 54 2004 8 2007 8 152.8657 50 2004 8 2007 8 57 2004 8 2007 8 50 2004 8 2007 8 60 2004 8 2007 8 54 2004 8 2007 8 54 2004 8 2007 8 Frederick Anderson GOODWIN 48 2006 1 2009 1 60 2006 6 2009 6 53 2004 8 2007 8 130.7831 51 2004 8 2007 8 130.7235 60 2004 8 2007 8 40 William Peter COOKE 75 2004 12 2007 12 60.6464 Patrick de SAINT-AIGNAN 58 2006 1 2009 1 40 Alberto TOGNI 68 2006 6 2009 6 14.5833 58 2004 8 2007 8 131.2599 49 2004 8 2007 8 87.8334 48 2004 8 2007 8 87.4247 47 2004 12 2007 12 47.8632 43 2004 12 2007 12 42.2972 54 2004 8 2007 8 143.7055 55 2004 8 2007 8 131.3222

95 50 2004 8 2007 8 123.0033 54 2006 8 2009 8 119.3880 42 2006 8 2009 8 118.7267 52 2005 11 2008 11 561.8777 54 2003 11 2006 8 103.0727 Lonnie DOUNN 54 2005 3 2006 9 791.5785 1 2 2005 3 2006 3,211.33 260 2006 3,211.33 155.23 700 799 1 600 699 500 599 1 200 499 100 199 11 99 8 2006

96 2006 2004 8 2004 8

97 2003 3 2003 32004 8 1996 10 2003 3 1989 101996 10 1981 1996 2003 5 2004 8 2002 92004 8 1994 72002 919881994 7 1977 2005 6 2006 12 2004 8 19941994 51998 12 1998 12 Visa International Asia Pacific 19962002 6

98 2006 2004 82000 11 1980 112000 11 1978 2002 6 2004 8 1993 12004 8 19821988 2004 8 1987 102004 8 2001

99 2004 8 1994 82004 8 1993 91994 7 1990 31993 9 1983 101990 2 1998 2001 2006 1 2004 8 1975 51978 101982 92004 8 1982 2004 8 1982 12004 8 1982

100 2006 2004 8 1977 82004 8 Frederick Anderson GOODWIN 2006 1Frederick Goodwin RBS 1998 RBS19951998 Clydesdale Bank Plc 19881995 Touche Ross Prince's Trust Frederick Goodwin 1979 RBS China RBS 1998 8 Frederick Goodwin RBS 2006 6 20012004 32 19912001 19821985 19851991 1968 2001 2002 1998 1999 2002 20032005 Stats ChipPAC 2002PT 2004 PT Indosat Tbk 2004

101 2004 8 19961998 19901976 2002 112005 122004 92006 3 2004 11 William Peter COOKE 2004 1233 198819771988 19892002Cooke Price Waterhouse World Regulatory Advisory Practice PricewaterhouseCoopers 19961998Cooke 199219981999 Cooke Financial Security Assurance (U.K.) Ltd. State Street Bank (U.K.) Ltd. Cooke Patrick de SAINT-AIGNAN 2006 1 Patrick de Saint-Aignan 1974 Morgan Stanley SA, France 19851992 de Saint-Aignan IXIS Corporate and Investment Bank Statutory Advisor Natixis de Saint-Aignan 1971 Ecole des Hautes Etudes Commerciales 1974

102 2006 Alberto TOGNI 2006 6 Togni 1959Swiss Bank Corporation Union Bank of Switzerland1998UBS AG 2005 446Togni 19982005Togni 1994 1997Togni 1994 Togni Togni Togni 1965 2004 8 2003 72004 8 2000 62003 7 1997 42000 61995 21997 4 1986 111994 5 1984 2004 8 2003 72004 8 2001 102003 7 1985 42001 10 19961998

103 2004 8 2001 112004 8 1984 82001 11 1984 2004 12 2000 8 19922000 7 2004 12 1991 1991

104 2006 2000 11 2000 112004 8 1999 122000 11 1997 11999 12 1996 2002 6 2002 3 19772000 102002 3 1997 42002 8 2003 7 1977 1999 2002 6 2003 9

105 2004 8 2002 62004 8 1998 82002 7 1983 2006 8 1996 2003 11 1982 2006 8 1989 2003 11 1999 42004 1 1987 2005

106 2006 2005 11 1978 1985 1991 2001 Richard Ivey 1. Lonnie Dounn 2006 42006 9 2. 2006 8 29

107 2006

108 2006 2006 4 HA 2006 2 2 Patrick de Saint-Aignan Alberto Togni 2006 1 142006 6 1 Frederick Anderson Goodwin 2006 1 142006 6 1 16 4 8 3 2006

109 20061 293 73 27 4 17206 28 2910 30 12 14 83 7 IT 96% 1 88 100% 88 100% 88 100% 88 100% 88 100% 88 100% 88 100% 88 100% Frederick Anderson Goodwin 2 85 63% 3 44 100% 4 87 88% 88 100% 87 88% William Peter Cooke 88 100% Patrick de Saint-Aignan 88 100% Alberto Togni 3 44 100% 1 2 Frederick Anderson Goodwin 1 193 2712 14 3 2712 14 3 Alberto Togni 2006 4 212006 6 1 Alberto Togni 6 28 2910 3012 14 4 12 14 11 18 1 Frederick Anderson Goodwin Alberto Togni

110 2006 200663 1 2006 2008 2007 2009 91% 66 100% 66 100% 66 100% 1 65 83% 66 100% 66 100% 66 100% 66 100% Frederick Anderson Goodwin 2 61 17% 22 100% Alberto Togni 22 100% 1 1 2 Frederick Anderson Goodwin 3 73 4 Patrick de Saint-Aignan William Peter Cooke Alberto Togni

111 2006 6 2006 2005 100% Patrick de Saint-Aignan 66 100% 66 100% 66 100% 66 100% William Peter Cooke 66 100% 22 100% Alberto Togni 22 100% 2006 62 13 Patrick de Saint-Aignan Alberto Togni 2006 4 2006 2006

112 2006 100% 44 100% 44 100% 44 100% 44 100% Patrick de Saint-Aignan 44 100% Alberto Togni 11 100% 52 3 William Peter Cooke Patrick de Saint-Aignan 20065 92% 55 100% 55 100% 54 80% William Peter Cooke 54 80% Patrick de Saint-Aignan 55 100% 4 22 William Peter Cooke 2006 4

113 88% William Peter Cooke 44 100% 43 75% 44 100% 43 75% A.4.1 A.4.2 [2003]56 William Peter Cooke Patrick de Saint- Aignan Alberto Togni 4 3.13 2006 2006 8 292006 1411 Patrick de Saint-Aignan 2006 12 31 2,902.05 532 20066

114 2006 2006 2005 2006 2006 2006 12 31 1.83 1.36 0.18 42006 2006

115 IR Magazine 2006 2006 IPO Best IR for an IPO in the Hong Kong Market 2006 Best IR for a Corporate Transaction Grand Prix for Best Overall IR SOE IR Magazine IR Magazine 342 83

116 2006 2006 12 31 30% 0.04 101.542007 6 14 HA 2006 H HA 2007 6 14 2006 AH 2007 6 14 2006 6 30 2006 4 2005 12 31 13.75 H 2007 5 16 2007 6 14 H H H2007 5 154 30 H 183 17 1712 1716 A 1,235

117 28 10 2006 4 14A H12 14A 14A 14A.65(4) 14A.35 14A.45 14A.48 H 12 14A 14A

118 2006 14A.65(1) 14A.35 14A.45 14A.48 Prudential Corporation Holdings Limited Prudential Corporation Holdings Limited 36% Prudential Corporation Holdings Limited Prudential Corporation Holdings Limited 2006 Prudential Corporation Holdings Limited 14A 0.1% 14A.33 2006 12 31 Frederick Anderson Goodwin 1998 8 RBS RBS

119 2002 7 5 BVI BVI 8.50 2002 7 25 4 25% 10 2006 12 31 2002 7 5 2006 2006 1 1 12 31 2002 7 5 8.50 2003 7 25 1,446,000 1,446,000 1,446,000 2012 7 4 2002 7 5 8.50 2003 7 25 1,446,000 1,446,000 1,446,000 2012 7 4 18 2006 12 31 XV 352 22

120 2006 BVI 2006 3 13 8,514,415,652 2006 6 1 H 25,568,590,0006 9 H 3,835,288,000 2006 6 29A 6,493,506,000 2006 7 5 2006 12 315,000 24 2006 156.69 38 2007 1 29 [2006]163 2007 3 22

121 2006 6 1. 2 23 2. 3 27 2005 3. 4 12 2006 2005 4. 4 29 2006 5. 8 29 2006 6. 10 31 2006 2006 16 11 4

122 2006 1. 4. 5. 2. 6. 3. 112200

123 2006 6 1 H H 25,568,590,0006 9 H 3,835,288,000H H11.9% 2.95 112 2006 6 1923A 7 5 3.08 A6,493,506,000 2.56%200 HA 14.14% 253,839,162,009 253,839,162,009 2006 12 159.65 SALE 100% 56.67% 1 35.5%WestLB AG 35.5% Apfarge 14.5% Seletar 14.5% 1 2006 5 30 2005 2006

124 2006 2005 12 31 5%2006 3 13 4.805% 2006 12 31 336 4.65% 5% 5% SALE 1993 2004 2006 4705203,470SALE 20 27 SALE 2006 91.80 SALE 205

125 200630 52 42.31% 8.06 25.37% 3.91 48.51% 4.15 2006 10,413 97 119 114 2007 3 16 2008 33%25% 2008 (1)

126 2006 2 (2005 2006 20062006 2006

127 Frederick Anderson Goodwin William Peter Patrick de Cooke Saint-Aignan Alberto Togni

130 Bank of China Annual Report 2006 Delivering Growth and Excellence

131 200021 202 11 +86 (21) 6123 8888 +86 (21) 6123 8800 (2007) 10826 2006 12 312006 (1) (2) (3)

132 2006 2006 12 312006 2007 3 22

133 2006 12 31 2006 2005 2006 2005 12 31 12 31 12 31 12 31 31,110 28,644 27,632 25,144 42,873 30,314 41,332 28,577 1 379,631 316,941 354,881 284,373 14 36,626 35,586 1,713 1,641 2 110,634 107,271 76,581 82,082 3 24,837 16,808 16,363 11,329 4 407,840 344,537 313,212 256,786 5 1 1,768,784 1,562,320 1,452,030 1,297,990 6 2 2,431,806 2,235,046 2,064,614 1,868,105 7 (94,293) (83,153) (92,962) (79,581) 8 24,306 20,408 20,035 16,107 9 3 18,280 15,393 70,969 66,951 10 91,808 72,978 52,650 53,392 11 6,585 3,342 4,630 3,331 20 17,605 17,561 17,492 17,428 12 26,841 18,810 9,801 10,384 5,325,273 4,742,806 4,430,973 3,944,039

134 2006 2006 2005 2006 2005 12 31 12 31 12 31 12 31 13 42,374 30,055 42,349 30,030 14 36,823 35,731 1,909 1,786 15 113,048 91,174 91,084 76,323 16 321,381 345,233 309,667 343,574 17 4 4,095,422 3,703,777 3,359,870 3,009,187 33,834 27,024 31,747 25,291 18 63,398 52,164 46,006 52,164 19 60,173 60,179 60,173 60,179 20 1,104 184 30 22 21 139,902 134,665 99,668 111,641 4,907,459 4,480,186 4,042,503 3,710,197 23 29,560 28,778 24 253,839 209,427 253,839 209,427 25 76,549 3,978 75,889 3,978 26 10,380 5,987 10,380 5,987 27 13,934 5,109 13,934 5,109 28 39,884 12,585 40,528 12,585 29 (2,439) (1,380) (2,439) (1,380) (3,677) (1,864) (3,661) (1,864) 24 (216) 388,254 233,842 388,470 233,842 5,325,273 4,742,806 4,430,973 3,944,039

135 2006 12 31 2006 2005 2006 2005 30 5 214,670 167,345 172,997 138,739 30 5 (93,963) (66,940) (69,419) (53,500) 120,707 100,405 103,578 85,239 31 6 14,323 9,247 9,760 6,220 32 7 (3,779) 4,482 (3,792) 2,642 33 8 3,831 (248) 12,899 10,167 34 2,546 2,142 1,868 692 137,628 116,028 124,313 104,960 35 9 (53,614) (45,604) (44,923) (38,518) 36 (6,462) (5,680) (6,388) (5,604) 77,552 64,744 73,002 60,838 1,044 1,381 109 723 78,596 66,125 73,111 61,561 37 10 (11,587) (10,985) (13,812) (14,250) 67,009 55,140 59,299 47,311 38 (19,857) (22,543) (16,802) (19,819) 47,152 32,597 42,497 27,492 (5,260) (5,105) 41,892 27,492 42,497 27,492 39 0.18 0.15 0.18 0.15

136 2006 2006 12 31 2006 1 1 209,427 3,978 5,987 5,109 12,585 (1,380 ) (1,864 ) 233,842 41,892 41,892 24 25 44,412 72,567 116,979 26 27 4,393 8,828 (13,221 ) 29 (1,059 ) (1,059 ) 28 (1,375 ) (1,375 ) (1,813 ) (1,813 ) 24 (216 ) (216 ) 4 (3 ) 3 4 2006 12 31 253,839 76,549 10,380 13,934 39,884 (2,439 ) (3,677 ) (216 ) 388,254 2006 1 1 209,427 3,978 5,987 5,109 12,585 (1,380 ) (1,864 ) 233,842 42,497 42,497 24 25 44,412 72,219 116,631 26 27 4,393 8,828 (13,221 ) 29 (1,059 ) (1,059 ) 28 (1,375 ) (1,375 ) (1,797 ) (1,797 ) 25(2) (308 ) (3 ) 42 (269 ) 2006 12 31 253,839 75,889 10,380 13,934 40,528 (2,439) (3,661) 388,470

137 2005 1 1 186,390 3,140 419 17,373 (2,315 ) 344 205,351 27,492 27,492 24 25 23,037 3,964 27,001 26 27 2,847 4,690 (7,537 ) 29 935 935 28 (26,937 ) (26,937 ) 28 2,194 2,194 (2,208 ) (2,208 ) 14 14 2005 12 31 209,427 3,978 5,987 5,109 12,585 (1,380 ) (1,864 ) 233,842

138 2006 2006 12 31 203,494 162,085 16,872 10,779 3,589 1,201 391,645 350,683 5,266 9,966 12,319 12,319 12,442 3,858 645,627 550,891 (84,379) (60,189) (2,816) (1,027) (27,399) (22,845) (17,564) (15,343) (25,536) (22,948) (6,955) (6,885) (200,349) (197,710) (141,089) (88,235) (69,063) (75,634) (12,559) (12,755) (23,852) (33,907) (6,158) (6,158) (617,719) (543,636) 40 11 27,908 7,255

139 4,841 3,948 3,078 1,095 201 7,192 8,120 12,235 (7,425) (6,214) 41 (5,373) (1,635) (579) (14,433) (6,793) (6,313) 5,442 117,423 116,767 33 55 117,511 116,767 (2,774) (2,774) (1,375) (1,375) (3,391) (216) (413) (413) (8,169) (4,562) 109,342 112,205 (8,105) (3,483) 122,832 121,419 397,112 275,623 40 11 519,944 397,042

140 2006 1912 2 5 1949 1994 2004 8 26 20052006 32006 6 (H(A 2006 12 3167.49% B10311000H0001 1000001000134 1 [2004]61

141 1 2006 238 2007 1 1 2007 1 1 (1) (2) (3) (4) 2

142 2006 3 1 1 1 12 31 2

143 3 3 4 5 [2004]61 (1) (2)

144 2006 5 (3) (4) 6

145 6 7 8 90

146 2006 9 (1) (2)

147 10 (1) 50%50% (2) 20% 50% 10 (3)

148 2006 10 (3) (4) (5) (1) (4) 11 (1)

149 11 (1) 15 50 10 70 3 15 4 6 (2) 15% 25

150 2006 11 (2) 12, 13 (1) (2)

151 13 (3) [2001]198 [2002]6 (4) (5) 14

152 2006 15 16 17 (1)

153 17 (2) 2003 12 31 (3) (4) (5) (a)

154 2006 17 (5) (b) (6) 18 (1) (2) (3)

155 19 20 21 (1) (2)

156 2006 22 (1) 33% 16.5% 5% (2) 23 24 25 16

157 26 27 2006 12 31 % 100.00 34,806 100.00 3,539 100.00 1,269 100.00 200 50.31 1,000 (1) 65.87 52,864 65.87 43,043 65.87 600 (2) 46.43 300 65.87 480 (3) 76.31 200 (4) 100.00 308 (1) (2) 70.49% (3) 54% 6% 6% 34% (4) 2006 12 15 9.78100% 41

158 2006 1 2006 12 31 2005 12 31 95,914 89,124 5,862 25,787 (1) 101,776 114,911 254,381 182,825 17,913 13,595 3,331 3,355 2,230 2,255 (2) 277,855 202,030 379,631 316,941 (1) 1,017.76 (20051,081.49 40 (2) 2006 12 31 9% 20057.5%4% 20053%

159 2 2006 12 31 2005 12 31 17,802 19,116 1,032 2,095 22,644 30,599 4,204 4,179 45,682 55,989 20,444 10,704 8,559 12,974 30,225 19,979 5,724 7,625 64,952 51,282 110,634 107,271 3