邮储银行(601658)_公司公告_邮储银行：中国邮政储蓄银行股份有限公司2021年年度报告新浪财经

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邮储银行：中国邮政储蓄银行股份有限公司2021年年度报告（下载公告）

公告日期:2022-03-31

2021

2022330202114

2021

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102.474228.56AH20212021

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???⺗企业?化

2021

战略定位⺗企业文化

从1919年邮政储金业务开办，到2007年邮储银行正式挂牌成立，再到2019年划归国有大行序列，圆满完成“股改— 引战—A、H两地上市” 三步走改革目标，在百年邮储发展史的每个阶段，邮储人坚定履行了支持国计民生、服务社会大局的重大责任，传承了中国邮政普惠、亲民、质朴的服务特色和奉献、担当、进取的精神特质。百年邮储发展史是邮储人文化自信的源泉，更是赢得未来的核心竞争力。

文化是历史的回声，更宣示我们的未来

文化是使命的召唤，更彰显我们的价值

中国邮政储蓄的前身,邮政储金局成立，邮政储金业务开办伊始，提出“人嫌细微，我宁繁琐；不争大利，但求稳妥”的经营方针。1930年邮政储金汇业总局成立，一时有“大众银行”之誉。1935年邮政储金汇业总局改为邮政储金汇业局。

1919年

人民邮政接管邮政储金汇业局，在中国人民银行统一指导下开展工作。1950年邮政储蓄改为代理业务，代银行收储个人存款和非经营性质的群众团体存款。1953年邮政储蓄停办，邮局继续办理汇兑业务。

1949年

邮政储蓄恢复开办，利用邮政网点众多的优势，广为收储民间零星资金，为国家建设聚集更多的资金。

1986年

邮政储蓄开始建设“绿卡”工程。

2001年

邮政储蓄实现全国联

网，邮政储蓄用户凭绿卡

储蓄卡或活期存折，可

在全国任一邮政储蓄联

网市县通存通取。

1994年

中邮邮惠万家银行有限责任公司获中国银保监会批准开业，邮储银行成为国有大行中首家参与直销银行试点的机构。2021年中国邮政储蓄银行在香港联交所主板成功上市，正式登陆国际资本市场。2016年中国邮政储蓄银行整体改制为股份有限公司。2015年引入十家境内外战略投资者；中邮消费金融有限公司成立开业。2012年中国邮政储蓄银行在上海证券交易所成功上市；中邮理财有限责任公司成立开业。2019年中国邮政储蓄银行正式挂牌成立，定位于服务“三农”、城乡居民和中小企业，建立中国银行业唯一的“自营+代理”运营模式。2007年

中国邮政储蓄银行股份有限公司 2021年度

当今世界正经历百年未有之大变局，我们要以习近平新时代中国特色社会主义思想为指导，积极弘扬社会主义核心价值观，不忘初心，牢记使命，将“进步　与您同步”转化为实际行动，在管理、经营、风险、服务、人才、协同等方面奋楫前行，奋力打造一家有担当、有韧性、有温度的一流大型零售银行。

文化是内心的灯塔，更指引我们的行为

2013年，在党的十八届三中全会上,“普惠金融”被正式写入《中共中央关于全面深化改革若干重大问题的决定》。邮储银行作为“普惠金融”的倡导者、先行者，积极服务国家战略，走出了一条独特的商业可持续发展之路。依托遍布城乡的近4万个网点，本行坚守“普惠”，持续创新，在服务“三农”、城乡居民、中小企业的道路上砥砺前行。亿万客户的长期信赖是本行可持续发展的原动力，更彰显每位邮储人的价值。文化是使命的召唤，更彰显我们的价值中国邮政储蓄的前身,邮政储金局成立，邮政储金业务开办伊始，提出“人嫌细微，我宁繁琐；不争大利，但求稳妥”的经营方针。1930年邮政储金汇业总局成立，一时有“大众银行”之誉。1935年邮政储金汇业总局改为邮政储金汇业局。1919年人民邮政接管邮政储金汇业局，在中国人民银行统一指导下开展工作。1950年邮政储蓄改为代理业务，代银行收储个人存款和非经营性质的群众团体存款。1953年邮政储蓄停办，邮局继续办理汇兑业务。1949年邮政储蓄恢复开办，利用邮政网点众多的优势，广为收储民间零星资金，为国家建设聚集更多的资金。1986年邮政储蓄开始建设“绿卡”工程。2001年邮政储蓄实现全国联网，邮政储蓄用户凭绿卡储蓄卡或活期存折，可在全国任一邮政储蓄联网市县通存通取。1994年

中邮邮惠万家银行有限责任公司获中国银保监会批准开业，邮储银行成为国有大行中首家参与直销银行试点的机构。

2021年

中国邮政储蓄银行在香港联交所主板成功上市，正式登陆国际资本市场。

2016年

中国邮政储蓄银行整体改制为股份有限公司。2015年引入十家境内外战略投资者；中邮消费金融有限公司成立开业。

2012年

中国邮政储蓄银行在上海证券交易所成功上市；中邮理财有限责任公司成立开业。

2019年

中国邮政储蓄银行正式挂牌成立，定位于服务“三农”、城乡居民和中小企

业，建立中国银行业唯一的“自营+代理”运营模式。

2007年

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2021

2021123120201231

(%)(%)750,59717.26419,28110.713,280,00375.433,173,64381.07306,1327.04315,9228.07

11,8880.275,8040.154,348,620100.003,914,650100.00

32,374.43742.872.35%

2021123120201231

(%)(%)

1,310,62940.481,129,81935.721,750,39254.071,835,59658.03176,4225.45197,7416.253,237,443100.003,163,156100.00

2021123120201231

(%)(%)

270.00100.00396,9773.00197,9966.263-12439,87513.59274,0888.671-51,463,18345.201,647,23352.0751,237,38138.211,043,82933.00

3,237,443100.003,163,156100.00

2021123120201231

(%)(%)3,181,52998.273,110,53598.3455,9141.7352,6211.663,237,443100.003,163,156100.0017,503.9215,848.88

90.54%

(%)

(1)

201575,576.763.712025/8/31–201249,800.002.432022/6/6–201540,585.723.392035/9/28–201633,420.003.052026/8/25–201732,160.004.302024/8/21–201931,980.003.282024/2/11–201529,143.223.362030/9/28–201828,940.004.992023/1/24–201728,280.004.042027/4/10–201528,234.303.402035/10/15–(1)

117,923.2411,119.9110.41%113,540.739,960.449.62%

2,320.17902.2863.64%

2021

2021123120201231

(%)(%)11,354,07396.2810,358,02996.98154,8091.3185,9120.8042,5650.3630,7430.2934,6430.2925,1340.2481,4260.6957,9740.5417,3160.1525,2880.24(1)

107,4920.9297,2530.9111,792,324100.0010,680,333100.00

(1)

113,540.739,960.449.62%100,456.359,500.7110.45%

13,054.36

455.873.62%

2021123120201231

(%)(%)

10,045,63588.479,095,56487.81 3,008,99826.502,893,16327.93 7,036,63761.976,202,40159.88

1,305,43611.501,259,84912.16 898,3717.91874,1558.44 407,0653.59385,6943.72

(1)

3,0020.032,6160.0311,354,073100.0010,358,029100.00

(1)

2021123120201231

(%)(%)

2,5970.021,9480.021,742,30115.351,562,68615.091,062,1259.35970,6239.371,735,58215.291,639,05115.823,525,75431.053,177,97730.692,439,84621.492,220,15921.43845,8687.45785,5857.5811,354,073100.0010,358,029100.00

2021123120201231

(%)(%)

3,967,77434.953,819,61536.8732,771,43124.412,105,51720.333-123,483,18330.683,112,62230.051-51,131,6859.961,320,27512.755––––

11,354,073100.00 10,358,029100.00

7,955.491,226.1918.22%

623.10A299.85299.97

2021

2021123120201231

(%)(%)92,38411.6186,97912.9347,8696.0247,8697.11109,98613.8379,98911.89125,48615.77100,90615.00

12,0541.522,7250.4050,1056.3042,6886.34157,36719.78130,07119.33198,84024.99180,57226.83794,09199.82671,79999.83

1,4580.181,1310.17795,549100.00672,930100.00

2021123120201231

(%)(%)152,62324.18277,79238.73

36,1585.7338,6525.3942,8596.7940,2265.6132,2095.1030,3834.24367,44158.20330,26046.03631,290100.00717,313100.00

1,095.57522.151,829.17608.42

522.63355.16

22021

2021

10.45%

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11.40%

6.37

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7.0

CRM

6.37

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100,456.359,500.71

9.14

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2021

6,702.6716,930.18645.57

8,937.37

62.48

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8.31

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2.88AUM

20201(B2B/B2C)

VIP4,262.98

17.07%356.21

24.12%

17.07%

–

2019

789.441,050.31

46.65%

8,603.28

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30.68%

880.14

29.77%

414.55

148.94

2021

6.374

VIP

2,43643,7471,389

AFPCFP

110.18%

5.90%

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Green world, better life.綠色讓生活更美好

–

CRM1,000

105.2919.04

邮银财富视频

客户财富体检报告

财富中心

2021

2.67

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2.172,482.54

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2.67

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6.25

2021

1020

1,000

APP

2019

98%400140%

Green world, better life.

綠色讓生活更美好

2021

12.93%

14.11%

802.224,155.87

12.93%11,264.96

14.11%

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20215

30.10%

葫芦兄弟主题卡乡村振兴主题卡绿色低碳主题卡

4,00013%

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–

1+N

115.14

32.6927.85%22,539.36

2,761.5113.96%13,054.36455.87

3.62%68.82%1.17%

6BPS591.05

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50.45

13.96%

68.82%

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2.77%13.96%

2021

50.4521.12%

2.9039.03%

47.75%

30.80%42.68%

20.76%42.72%27.88%

4.70

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–

10-100

5306

6,292.34

570.659.97%

22,539.362,761.51

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6BPS

13,054.36455.87

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Green world, better life.綠色讓生活更美好

2021

46.60%

1+N4

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民生金融服务投

融资

服

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Green world, better life.

綠色讓生活更美好

–

7*24

46.30

19.1512,753.8280.18

19,525

251.80%1,009.96

787.49%1,1912635.9962.03%

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2021

52021

1,009.96

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EMS

3,000API

73.12%237.86

7,386107.33

251.80

787.49%

Green world, better life.

綠色讓生活更美好

–

7,000

1.0

AIOCR

ABSC

Green world, better life.

綠色讓生活更美好

2021

13.66

43.94%

1,0193,945.62

19.14%

4.42102.75%

161163.93%

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–

3.36%16BPS

15BPS

2.62196.49%

1,458

43,486.20

11.09%4.47

6,00062.90%9,152.55

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3,503.493,068

e11,8617,466

52.39

2.62

1.51

6,229.49

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1,458

2021

3,040.82

106.27%2.62

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1.51

52.39

4,040.49

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196.49%

106.27%

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20211223

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20219,152.557,676.70

2,891.0060.41%83.87%

Green world, better life.

綠色讓生活更美好

2021

83.87%

28.56

2,561.096,553.06Green world, better life.綠色讓生活更美好

–

2021

4.47

6,0006,229.49

62.90%2746

1,504.4520.61%

ETFESG

()

–

2019

2.5

9,606.0214%

1.61

1,984.4513.90%

1 1,0002021

1.61

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22.66

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2021

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3,580.57517.58

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414.2950.26

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19.08363.64

–

35+25

2063,478

1,44920

3,2329.512.1

++E

95%2,773.80

1,420.76

105.01%

Green world, better life.綠色讓生活更美好

2021

1.67%33BPS

156.62

22.13

22.70

–

20214-6

57.8720165.67

272.47

12.3315,967.34

283.6637.39

2.97

Green world, better life.綠色讓生活更美好

2021

5D(Digital)

9,606.02

171.0710.24

5.19%32BPS

APP+

7,130.992,560.2956.02%

7,00056%APP+

56.02%

–

4,700

0.35

APP

1,000

202032,000

Green world, better life.綠色讓生活更美好

2021

2021912

1 20215

2015

2021-032021-042021-022021-012021-062021-082021-102021-052021-072021-092021-112021-12

44.0

44.1

44.2

44.3

44.4

44.5

75%

Green world, better life.綠色讓生活更美好

–

2030SDGs

3,722.9432.52%

231.1468.50

2021ESGA

(IFF)

32.52%

3,722.94

32.52%

2021ESGA

2021

ESG

(PRB)(UNEP FI)(TCFD)

(IPE)(InsBlue)

Green world, better life.綠色讓生活更美好

–

ESG 14

(ESG)ESG

20223STOXXAESGSTOXXESG

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Green world, better life.綠色讓生活更美好

2021

20221750100%

2021

2/370%

50%

–

50%

3575%

2021

2019121880100%

111.07

104.6418.61

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2021

444.011,412.46

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2021

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VIP

21.85%

148.13%

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2021

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2021827

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444.2249.45

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–

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2021

100.3011.11%

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11.11%

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54.04%84.76%CRM

217400

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–

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Green world, better life.綠色讓生活更美好

2021

7.0

3.26

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763.23109.61%

903.2384.25%

9.76154.80%

7.0

3.81

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31.47

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0.36MAU4,700APP

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109.61%903.23

84.25%(MAU)250.43

65.25%

邮储信用卡APP3.0全新上线

–

89.2054.04%

84.76%13.05%19.99

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2021

96.26%94.42%

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111.43

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11,925

Green world, better life.

綠色讓生活更美好

2021

App

B2B2021

Green world, better life.綠色讓生活更美好

–

2021

U+

2021

2021U

–

4.3271

校招宣传大使：邮小储

2021

Green world, better life.綠色讓生活更美好

–

193,946178,2521,37715,69421,4072019

6.21

2021

(%)6,0153.3763,03335.3615,7518.841,0270.5817,3319.7223,95013.44

51,14528.69178,252100.00

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(%)3034,62019.42314088,06449.41415041,05823.035114,5108.14

178,252100.00

(%)15,2798.57127,90371.7530,62117.184,4492.50178,252100.00

–

8,140363242,0835,693

202112

(1)(%)(%)(%)7,231,95236.4210.015,9143.321,935,2209.7593411.4719,57510.981,261,3226.357369.0418,96410.642,063,21510.391,12413.8126,64314.953,803,98219.162,38429.2945,50425.532,651,42813.352,12326.0841,17823.10909,0484.5883810.3020,47411.4812,587,873

(2)

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(2) 72,682.94

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2021

2020

2021

邮储银行“孕妈徽章”样式

Green world, better life.

綠色讓生活更美好

–

2021

邮储银行“职工小家”宣传片

扫码查看《2021全行员工关爱实事项目案例集》

职工小家线上“云串门”活动

Green world, better life.綠色讓生活更美好

2021

0.82%

0.06

0.47%

0.07

418.61%

10.55

2021

1,600

Green world, better life.綠色讓生活更美好

10IT8-10

2021

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Green world, better life.綠色讓生活更美好

2021

13.51%50%

2021

397.154.72%206.50140.6632.36

17.63

2021

2021123120201231

(%)(1)

13,86226.319,72119.30

(2)

8,14615.468,86217.59

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24,27746.0824,58948.82

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6,39012.137,18514.27

100.02100.0252,685100.0050,367100.00

(1)(2)(3)(4)

2021123120201231

(%)(%)

19018,2940.2813,5530.249118010,2890.165,7160.10181111,4400.188,4080.151311,9360.1913,5410.2435,4000.084,1610.07

57,3590.8945,3790.80

2021123120201231

(%)(%)

4,2007.323,5557.8310,03817.506,59514.535,5039.604,2629.397,32012.765,11311.2714,08224.5510,96724.1712,53321.8510,74523.683,6836.424,1429.1357,359100.0045,379100.00

(%)(%)

(1)

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177,0892.7518.72B13,7110.211.45C13,0070.201.37D12,6110.201.33E11,2600.171.19F10,8640.171.15G8,7840.140.93H8,6440.130.91I7,8620.120.83J7,3790.110.78(1)

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2021

2021123120201231

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526.8523.180.82%0.06

304.101.560.47%0.07

1.29%0.13

2021123120201231

(%)(%)

(1)

(%)(%)

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15,27428.991.6714,83229.452.00

2,8945.501.662,6505.261.8335,22466.860.9431,70862.950.9814,83428.161.8716,71633.192.219911.880.091980.390.021660.310.062850.570.13(2)

1,4602.776.501,4502.889.1717,45133.120.7818,64937.030.95

100.020.00100.020.0052,685100.000.8250,367100.000.88

(1)(2)

174.5111.980.78%

0.17352.2435.160.94%0.04

(1)

2021123120201231

0.260.34(0.08) 2.112.21(0.10)

1.551.65(0.10)

2.592.76(0.17)

0.920.96(0.04)

(2)

0.100.79(0.69)

1.311.48(0.17)

0.030.020.01

0.280.78(0.50)

–––

0.600.79(0.19)

(1)(2)

2021123120201231

(%)(%)

2,8985.502,6535.277,84214.896,48112.874,9919.474,6939.327,42414.096,51012.9314,42027.3714,90229.5811,66022.1310,90121.643,4506.554,2278.3952,685100.0050,367100.00

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2021

2021123120201231

(%)(%)7,4801.067,7591.274,2591.305,2731.691710.071160.06––––3,4152.633,7323.185740.483820.35

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620.67780.791343.671584.19

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(1)

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20211231

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2021

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11331215520211231(310,372)(1,106,093)(367,905)731,5121,293,551460,17420201231(61,230)(241,033)(402,776)194,284855,633256,109

2021123120201231

100(13,773)(4,171)10013,7734,171

4.4

2021

20211231

197,84293710,371209,150(47,179)(85)(989)(48,253)169,01032,352171,365(252,357)(331)(12,017)(264,705)

67,316524(283)67,557

2020123199,8546308,801109,285(42,180)(104)(1,026)(43,310)219,7440336220,080(213,037)0(8,546)(221,583)

(90)00(90)64,291526(435)64,382

72.86%248.54%165.60%

11-3311-552021123115,192(3,907,123)(160,239)(1,297,519)(611,470)1,796,8393,727,8841,137,303700,867202012319,428 (3,734,107)(10,149)(807,104) (814,869)1,595,1923,218,206 1,144,390600,987

2021123120201231

2,337,9352,227,63430940,684949,497

(%)248.54234.61

2021

202112312021930202163010,819,38810,521,47310,376,219

6,533,4986,441,7126,452,061(%)165.60163.33160.82

201871100%

=×100%

2021

ESGESGESGESG

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2021

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9.92%12.39%14.78%

2021123120201231

635,024619,935542,347529,574793,006777,789670,301657,432945,992930,200784,579771,1666,400,3386,363,1625,651,4395,615,106 5,892,6375,866,5435,193,7895,165,186 96,87096,87094,96494,964 410,831399,749362,686354,956

(%)9.929.749.609.43(%)12.3912.2211.8611.71(%)14.7814.6213.8813.73

2021123120201231

2,3132,1205,4375,477

6.10%

(RAROC)

202135,405,405,405A

5.553,000,0002,998,59220213202216002021128202142920218

1,50020218202231,000

2021102016300202232017200

2021

1.119,960.449,500.71

2021

2.36%

2022

RAROCAUM

493.8050.44%15.49%4.02

220.0733.42%

269.7340.62%

2022

AUM

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0.82%

0.06

0.60%0.190.47%

0.070.89%0.09418.61%10.55

901.356030

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0.17

352.2435.160.94%

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2021

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2020123120211231

(%)(%).55,847,933,78264.21+5,405,405,405–––+5,405,405,40561,253,339,18766.30

1. –––––––––

2. 55,847,933,78264.21+5,405,405,405–––+5,405,405,40561,253,339,18766.30

3. –––––––––

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4. –––––––––

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86,978,562,200100.00+5,405,405,405–––+5,405,405,40592,383,967,605100.00

2021

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3,000,0002,998,592

5.5586,978,562,20092,383,967,6052021326

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0.780.82

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200,309197,702A2,607H2022228161,410158,836A2,574H

(%)

62,244,339,18967.3861,253,339,187–

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2021

19,843,277,51019,843,277,5102,290,666,5152,290,666,5151,117,223,2181,117,223,218991,000,002910,300,002

80,700,000679,499,900679,499,900567,417,586567,417,586160,000,048160,000,048113,879,362113,879,362112,539,226112,539,226100,000,000100,000,000(1)

H80,700,000H

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(5) 10

55,847,933,78220221212–A36

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201792772.50100

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(%)4612PSBC 17USDPREF2017927204.50362,500,0007,250,000,0002017928362,500,000

12022228

(%)The Bank of New York Depository(Nominees) Limited

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20219272021526

3.625

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202120202019(%)(%)(%)

4.52,3244.52,5844.52,501

2021

2237201413

7932

1995104201912171,3763911000000000192465

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10.0847

20.5370

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50.0059

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80.1094

90.0018

100.0004

110.0025

120.0025

130.0556

140.1361

150.1349

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67.38%

(China State Shipbuilding Corporation)1,100191310000MA1FL70B67

(Shanghai International Port (Group) Co., Ltd.)1A4358913100001322075806231.74

200312005620061026

1,620,000,0001.75%

10%10%

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2021

1,100

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(2)

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(4)

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(3) 3,479,132,345H109,600,000H

2,936,591,431HBVI432,940,914H

(4) 2,267,364,000HLi Ka Shing (Canada) Foundation

1,108,228,000H2,267,364,000H

(5) Li LuLL Group, LLCHimalaya Capital Investors, L.P.1,274,411,000H

Himalaya Capital Management LLC1,274,411,000H

(6) BNP PARIBAS SA1,559,594,232H245,347,481H

1,297,692,946H184,012,413H161,047,423H164,895,48856,232,56819,116,925104,814,855

20213255.555,405,405,40520213255,405,405,405–A2528.2

2021

10%

3%1%

2021

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(1)

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2021

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2021

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2021

(4)(5)(6)(7)(8)(9)(10)

20195IT

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邮储银行董事长张金良，行长刘建军，副行长张学文、姚红、杜春野出席2021年中期业绩发布会

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邮爱公益短片《飞吧！少年！》

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14,1331.5021244,3001.70753140,7641.251,760190,3451.152,1893,640,4951.0839,317510,8530.502,554769,3410.302,3084,8950.201014,9951.50(225)

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20211231

20212020202120201231123112311231

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20211231

2021

2021202020212020

451,567416,252444,908410,842

(182,185)(162,874)(181,286)(162,292)

269,382253,378263,622248,550

42,38332,74641,48632,560

(20,376)(16,251)(20,905)(17,497)

22,00716,49520,58115,063

16,17310,78016,20710,765

10,8008,40110,8048,397(929)(3,999)(929)(3,999)

318,762286,202311,304279,654

(2,468)(2,187)(2,408)(2,135)

(188,102)(165,649)(186,604)(164,531)

(46,638)(50,398)(43,777)(47,398)(20)(19)(20)(19)(129)(192)(129)(192)(237,357)(218,445)(232,938)(214,275)81,40567,75778,36665,379

(296)

81,45468,13678,35965,709

(4,922)(3,818)(4,189)(3,224)

20211231

2021202020212020

76,53264,31874,17062,485

76,17064,19974,17062,485

––

9,329

9,249

(13)(19)(13)(19)

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1,976

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0.78

0.71

20211231

2021

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109,557161,772112,688154,412

1,155,566984,2421,147,377979,284140,266129,148140,006129,070––

–

1,295,9821,113,6641,287,6181,108,628(1,465,046)(1,228,168)(1,460,355)(1,216,040)

(13,853)(7,571)(13,726)(7,498)(1,478,899)(1,235,739)(1,474,081)(1,223,538)(182,917)(122,075)(186,463)(114,910)

20211231

2021202020212020

30,0004,20330,0004,20330,00080,00030,00080,00065,48059,10365,48059,103125,480143,306125,480143,306(26,533)(23,899)(26,499)(23,899)(42,650)(98,493)(42,650)(98,493)(3)(11)(3)(11)(4)–(4)–(15)(1)(15)(1)(4,012)(4,155)(3,891)(4,152)(73,217)(126,559)(73,062)(126,556)52,26316,74752,41816,750(665)(1,266)(665)(1,266)(21,762)55,178(22,022)54,986335,526280,348334,898279,912

313,764335,526312,876334,898

20211231

2021

20211186,97947,86979,989100,9062,72542,688130,071180,5721,131672,930

5,405–29,99724,5809,3297,41727,29618,268327122,619

–––––––76,17036276,532

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5,405––24,580–––––29,985

2.28

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1.30

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20211231

20201186,20347,869–97,4772,31936,439116,129157,4311,012544,879776–79,9893,4294066,24913,94223,141119128,051–––––––64,19911964,31843––––406––––406

––––406––64,19911964,724776–79,9893,429–––––84,1941.

28776––3,429–––––4,205

2. 28––79,989––––––79,989

–––––6,24913,942(41,058)–(20,867)

1.30–––––6,249–(6,249)––2.

31––––––13,942(13,942)––3.

32–––––––(18,283)–(18,283)4.

32–––––––(2,584)–(2,584)2020123186,97947,86979,989100,9062,72542,688130,071180,5721,131672,930

20211231

2021

20211186,97947,86979,989100,9172,75542,688129,688178,896669,781

5,405–29,99724,5809,2497,41727,08316,481120,212

–––––––74,17074,170

––––10,598–––10,598––––10,598––74,17084,7685,405–29,99724,580––––59,982

1.285,405––24,580––––29,985

2.28––29,997–––––29,997–––––7,41727,083(59,038)(24,538)

1.30–––––7,417–(7,417)–

2.31––––––27,083(27,083)–3.

–––––––(19,262)(19,262)4.

–––––––(2,324)(2,324)5.

–––––––(2,952)(2,952)1.

––––(1,349)––1,349–2021123192,38447,869109,986125,49712,00450,105156,771195,377789,993

20211231

20201186,20347,869–97,4882,31936,439116,116157,099543,533776–79,9893,4294366,24913,57221,797126,248

–––––––62,48562,48543––––436–––436

––––436––62,48562,921776–79,9893,429––––84,194

1.28776––3,429––––4,205

2.28––79,989–––––79,989

–––––6,24913,572(40,688)(20,867)

1.30–––––6,249–(6,249)–

2.31––––––13,572(13,572)–3.

32–––––––(18,283)(18,283)4.

32–––––––(2,584)(2,584)2020123186,97947,86979,989100,9172,75542,688129,688178,896669,781

20211231()

2021

2007362011201692820191210

20211231923.841.00

B0018H111000001

9111000071093465XC

20211231363242021

152014

202112312021

20211231()

1112312.3.

5.(1)

20211231()

2021

(1)

5(2)

20211231()

(1)

20211231()

2021

5.(2)

???

20211231()

(2)

20211231()

2021

5.(2)

(3)

???

? 12

20211231()

(3)

1212

(4)

(5)

???

20211231()

2021

5.(5)

(6)

??(7)

(8)

?? 14

20211231()

2021

10.

205%

11.

20211231()

11.

205%4.75%35%31.67%45%23.75%55%19.00%

12.

1040

13.

20211231()

2021

14.

15.

(1)

(2)

20211231()

15.

(2)

20101231

(3)

16.

(1)

(2)

20211231()

2021

16.(2)??

17.

18.

19.

20.

20211231()

21.

22.

23.

20211231()

2021

24.(1)

(2)

(3)

20211231()

24.

(3)

???

(1)(2)

2022630

20211231()

2021

25.

26.

27.

2021

(1) 14[2021]114

202112614

202111

(2) [2021]9

[2021]9[2021]9

20211231()

2021

(i)(ii)(iii)

25% 3%6%9%13%

1%5%7%

[2018]9120189120201231

2021620231231

[2018]9720187120201231

3%2021620231231

[2015]1502015

20211231()

202120201231123110,11510,115

3070.50%70.50%201580100.00%100.00%2019

(1) 20151119

2021123170.50%20201231

70.50%)

(2) 201912182019123

20211231100.00%20201231100.00%)

(3) 202079

202012182021122

5020211216

20211231202217

20211231()

2021

202120201231123148,54550,056(1)1,119,2031,131,795(2)17,02831,8994,6826,1121,189,4581,219,862

(1)

2021123110.00%2020123111.00%)

9.00%202012315.00%)

(2)2.

2021202020212020123112311231123187,96540,09187,22339,512

3,3133,2002,6993,4912,6993,49190,94243,75593,23546,203(160)(73)(160)(73)90,78243,68293,07546,130

20211231()

2021202020212020123112311231123120,0918,79120,0918,791258,935240,189266,845248,8992,551

2,551

281,577249,279289,487257,989(1,484)(883)(1,832)(1,231)280,093248,396287,655256,7584.

2021123120201231

419,1275,002(4,106)433,99810,438(8,959)214,2891,049(1,052)154,117702(673)3,4782(18)–––636,8946,053(5,176)588,11511,140(9,632)

20211231()

2021

2021202012311231

4,2925,852

–4,3055,8532,0033,800

6,6069,892

201311201911

20212020202120201231123112311231151,923205,824151,773205,824114,21655,252114,21655,252266,139261,076265,989261,076(910)(1,120)(909)(1,120)265,229259,956265,080259,956

32021

123120201231

20211231()

6.1

20212020202120201231123112311231 (1)5,642,7924,901,8875,600,5994,870,173

(2)594,407610,474594,407610,4746,237,1995,512,3616,195,0065,480,647(1)

20212020202120201231123112311231

2,080,6261,826,4162,080,6261,826,416

22,91325,47522,91325,4752,103,5391,851,8912,103,5391,851,891

2,665,9302,363,0002,620,6602,329,223

2,169,3091,921,0552,169,3091,921,055

496,621441,945451,351408,168

915,354746,252915,354746,252

174,869144,641174,869144,6413,756,1533,253,8933,710,8833,220,1165,859,6925,105,7845,814,4225,072,007

161,623148,428159,872147,406

7,47812,0037,04611,796

47,79943,46646,90542,632

5,642,7924,901,8875,600,5994,870,173

20211231()

2021

6.1

(2)

2021202012311231

173,310151,369

421,097459,105

594,407610,474

6.2

3.7

6.3

20211231

5,775,40631,62352,6635,859,692

(161,623)(7,478)(47,799)(216,900)5,613,78324,1454,8645,642,792

593,1101,28710594,407

(3,477)(156)(10)(3,643)

20211231()

6.3

202012315,022,26333,14850,3735,105,784

(148,428)(12,003)(43,466)(203,897)4,873,83521,1456,9074,901,887 609,85760710610,474 (1,609)(11)(10)(1,630)

202112315,732,21230,58351,6275,814,422

(159,872)(7,046)(46,905)(213,823)5,572,34023,5374,7225,600,599

593,1101,28710594,407

(3,477)(156)(10)(3,643)

20201231

4,989,97932,58849,4405,072,007

(147,406)(11,796)(42,632)(201,834)

4,842,57320,7926,8084,870,173 609,85760710610,474 (1,609)(11)(10)(1,630)

20211231()

2021

6.4

(1)

2021

2021111,810,47422,76818,6491,851,891

2,826(2,823)(3)–

(11,717)11,770(53)–

(2,928)(2,270)5,198–(772,543)(11,792)(3,598)(787,933)1,042,333––1,042,333

––(2,752)(2,752)202112312,068,44517,65317,4412,103,539

2020

2020111,691,51527,82416,5441,735,883 410(409)(1)– (15,255)15,268(13)– (4,681)(7,586)12,267–

(906,422)(12,329)(6,789)(925,540)1,044,907––1,044,907

––(3,359)(3,359)202012311,810,47422,76818,6491,851,891

20211231()

6.4

(2)

2021

2021113,211,78910,38031,7243,253,893

1,590(1,323)(267)–

(13,380)13,417(37)–

(21,896)(3,034)24,930–(1,132,393)(5,470)(9,814)(1,147,677)1,661,251––1,661,251

––(11,314)(11,314)202112313,706,96113,97035,2223,756,153

2020

2020112,713,8699,58727,3322,750,788 1,435(1,098)(337)– (8,829)8,859(30)– (19,705)(2,896)22,601–

(867,939)(4,072)(6,480)(878,491)1,392,958––1,392,958

––(11,362)(11,362)202012313,211,78910,38031,7243,253,893

20211231()

2021

6.4

(2)

2021

2021113,179,5059,82030,7913,220,116

1,588(1,321)(267)–

(12,372)12,409(37)–

(19,887)(2,644)22,531–(1,103,761)(5,334)(9,777)(1,118,872)1,618,694––1,618,694

––(9,055)(9,055)202112313,663,76712,93034,1863,710,883

2020

2020112,685,5618,58026,3322,720,473 1,427(1,090)(337)– (8,279)8,308(29)– (16,693)(2,098)18,791–

(845,052)(3,880)(6,067)(854,999)1,362,541––1,362,541

––(7,899)(7,899)202012313,179,5059,82030,7913,220,116

20211231()

6.4

(3)

2021

202111609,85760710610,474

––––

(1,287)1,287––

––––(609,857)(607)–(610,464)594,397––594,397

––––20211231593,1101,28710594,407

2020

202011483,9813,336198487,515 –––– (607)607–– ––––

(483,981)(3,336)(188)(487,505)610,464––610,464

––––20201231609,85760710610,474

20211231()

2021

6.5

(1)

2021

20211180,5198,05216,946105,517

1,373(1,371)(2)–

(782)821(39)–

(415)(482)897–(1,192)9723,3783,158(33,085)(4,112)(2,551)(39,748)

48,663––48,663(6,358)(555)1,420(5,493)

––(2,752)(2,752)2021123188,7233,32517,297109,345

2020

20201167,10510,17015,30292,577 200(199)(1)– (2,123)2,132(9)– (2,880)(4,245)7,125–

(174)1,2303,2084,264(22,895)(1,377)(5,306)(29,578)51,851––51,851(10,565)341(14)(10,238)

––(3,359)(3,359)2020123180,5198,05216,946105,517

20211231()

6.5

(2)

2021

20211167,9093,95126,52098,380

719(552)(167)–

(2,070)2,095(25)–

(4,499)(1,372)5,871–

(629)1,72013,85114,942(28,838)(1,684)(5,332)(35,854)

49,257––49,257(8,949)(5)1,098(7,856)

––(11,314)(11,314)2021123172,9004,15330,502107,555

2020

20201147,5932,93123,02373,547 661(431)(230)– (1,405)1,429(24)– (3,623)(1,242)4,865–

(625)2,18411,78813,347(14,818)(867)(3,235)(18,920)37,423––37,4232,703(53)1,6954,345

––(11,362)(11,362)2020123167,9093,95126,52098,380

20211231()

2021

6.5

(2)

2021

20211166,8873,74425,68696,317

717(550)(167)–

(1,671)1,696(25)–

(3,740)(1,210)4,950–

(608)1,70012,41213,504(27,975)(1,645)(5,291)(34,911)46,507––46,507(8,968)(14)1,098(7,884)

––(9,055)(9,055)2021123171,1493,72129,608104,478

2020

20201146,9042,62422,12371,651 655(427)(228)– (1,225)1,248(23)– (2,581)(986)3,567–

(620)2,1599,74511,284(14,404)(825)(3,207)(18,436)35,370––35,3702,788(49)1,6084,347

––(7,899)(7,899)2020123166,8873,74425,68696,317

20211231()

6.5

(3)

2021

2021111,60911101,630

––––

(156)156––

––––––––(1,609)(11)–(1,620)3,633––3,633––––––––202112313,477156103,643

2020

2020116464440730 –––– (11)11–– ––––

––––

(646)(44)(30)(720)847––847773––773

––––202012311,60911101,630

20211231()

2021

20212020202120201231123112311231

5,2651,1895,2651,189

48,98346,57848,98346,578

13,06228,58613,06228,58667,31076,35367,31076,353

182,66354,003182,66354,003

441,238236,389441,238236,389

57,54150,69357,54150,693

–

––

1,7861,0351,7861,0351,8001,0491,8001,049750,597419,281750,585418,788

20211231()

8.1

20212020202120201231123112311231

1,246,5581,069,1571,246,4981,069,096 (1)1,517,5911,586,1391,517,3161,585,966

114,927121,336114,271120,5802,879,0762,776,6322,878,0852,775,642

229,084179,904229,084179,904

145,077145,163145,036145,163

7,264

(2)51,54392,02551,54392,0253,312,0443,194,1303,311,0123,193,140(32,041)(20,487)(32,033)(20,484)3,280,0033,173,6433,278,9793,172,656

(1) 20157202021

12314,752.85202012315,144.75(2)

20211231()

2021

8.2

2021

2021113,162,67618,44013,0143,194,130

––––

(2,093)2,093––

––––(691,751)(11,492)(503)(703,746)

812,254–9,406821,660202112313,281,0869,04121,9173,312,044

2020

2020113,119,75327,05013,3413,160,144 –––– (2,758)2,758–– ––––

(562,900)(11,368)(327)(574,595)

608,581––608,581202012313,162,67618,44013,0143,194,130

20211231()

8.2

2021

2021113,161,68618,44013,0143,193,140

––––

(2,093)2,093––

––––(691,751)(11,492)(503)(703,746)812,212–9,406821,618202112313,280,0549,04121,9173,311,012

2020

2020113,119,75327,05013,3413,160,144 –––– (2,758)2,758–– ––––

(562,899)(11,368)(327)(574,594)607,590––607,590202012313,161,68618,44013,0143,193,140

20211231()

2021

8.3

2021

2021113,7843,72312,98020,487

––––

(512)512––

–––––338–338(2,648)(1,397)(503)(4,548)

3,446–9,38812,8341,8391,081342,954

(24)––(24)202112315,8854,25721,89932,041

2020

2020112,6169,48612,89825,000 –––– (46)46–– ––––

–89–89(1,465)(2,539)(26)(4,030)2,706––2,706

(18)(3,359)60(3,317)

(9)–4839202012313,7843,72312,98020,487

20211231()

8.3

2021

2021113,7813,72312,98020,484

––––

(512)512––

–––––338–338(2,648)(1,397)(503)(4,548)

3,446–9,38812,8341,8341,081342,949

(24)––(24)202112315,8774,25721,89932,033

2020

2020112,6169,48612,89825,000 –––– (46)46–– ––––

–89–89(1,465)(2,539)(26)(4,030)2,703––2,703

(18)(3,359)60(3,317)

(9)–4839202012313,7813,72312,98020,484

20211231()

2021

20212020202120201231123112311231

59,96859,57755,91055,881

185,805203,253182,678201,375

56,47148,43456,36648,434302,244311,264294,954305,690

––

–

3,1973,9393,1973,9393,4973,9393,4973,939306,132315,922298,451309,629202120202021123111.4811.40202012315.265.25

20211231()

10.

2021202012311231

2,3971,553

9,4914,25111,8885,804

2021

451.952020315.00

2021

25.5213.49202011.

11.1

(1)

202112319,152.55202012318,653.19

2021123120201231

202120202021191.802020

20211231()

2021

11.

11.1

(2)

2021123120201231

20211231441,238–441,238

57,541–57,54145142,791142,836–31,92731,927498,824174,718673,542

20201231236,389–236,389

50,693–50,693

493–493301143,220143,521

–37,79337,793287,876181,013468,889

20211231()

11.

11.1

(2)

20211231441,238–441,23857,541–57,541

33142,750142,783

–31,92731,927498,812174,677673,489

20201231236,389–236,389

50,693–50,693301143,220143,521

–37,79337,793287,383181,013468,396

20212020

20212020202120207,8605,6837,8605,6839,1795,0669,1795,05110,08910,14310,08910,138–

–

27,12820,89427,12820,874

11.2

20212020

20211231()

2021

12.

20211153,4139,9441,2064,43311,62880,624

3324592233269,12110,461

23––––234,484744852(5,288)–

(120)(881)(129)(421)(269)(1,820)2021123158,13210,2661,3084,39015,19289,288202111(19,339)(8,436)(949)(3,194)–(31,918)(2,726)(928)(96)(312)–(4,062)

(11)––––(11)

45806123398–1,37220211231(22,031)(8,558)(922)(3,108)–(34,619)20211134,0741,5082571,23911,62848,7062021123136,1011,7083861,28215,19254,669

20211231()

12.

20201148,19110,4931,2434,59711,76576,289

2856381792984,9246,3241,083––––1,0834,17581–59(4,315)–

(321)(1,268)(216)(521)(746)(3,072)2020123153,4139,9441,2064,43311,62880,624202011(16,393)(8,914)(1,112)(3,380)–(29,799)

(2,503)(618)(44)(302)–(3,467)

(636)––––(636)

1931,096207488–1,98420201231(19,339)(8,436)(949)(3,194)–(31,918)20201131,7981,5791311,21711,76546,4902020123134,0741,5082571,23911,62848,706

20211231()

2021

12.

20211153,4139,8801,2024,42311,62280,5403324422233239,07210,392

23––––234,484740852(5,284)–

(120)(881)(129)(421)(229)(1,780)2021123158,13210,1811,3044,37715,18189,175202111(19,339)(8,396)(947)(3,188)–(31,870)(2,726)(913)(95)(311)–(4,045)

(11)––––(11)

45806123398–1,37220211231(22,031)(8,503)(919)(3,101)–(34,554)20211134,0741,4842551,23511,62248,6702021123136,1011,6783851,27615,18154,621

20211231()

12.

20201148,19110,4431,2394,58811,76076,221

2856241792974,9226,3071,083––––1,0834,17581–59(4,315)–

(321)(1,268)(216)(521)(745)(3,071)2020123153,4139,8801,2024,42311,62280,540202011(16,392)(8,888)(1,111)(3,376)–(29,767)

(2,503)(605)(43)(300)–(3,451)

(636)––––(636)

1921,097207488–1,98420201231(19,339)(8,396)(947)(3,188)–(31,870)20201131,7991,5551281,21211,76046,4542020123134,0741,4842551,23511,62248,670

20211231()

2021

12.

202112319.9820201231

10.263.47202012314.152021123128.652020123138.89

25.552020123133.66

13.

20211115,97115,4044,7494,745(2,888)(2,885)

2021123117,83217,264202111(5,611)(5,556)(3,790)(3,683)

2,2332,23220211231(7,168)(7,007)20211110,3609,8482021123110,66410,257

20211231()

13.

20201112,25912,194

5,0554,553(1,343)(1,343)

2020123115,97115,404202011(2,799)(2,799)

(3,659)(3,604)

84784720201231(5,611)(5,556)2020119,4609,3952020123110,3609,848

14.

2021112,6134,6117,224

1273274–(6)(6)202112312,6144,8787,492202111

(648)(2,304)(2,952)

(61)(418)(479)–6620211231

(709)(2,716)(3,425)2021111,9652,3074,272202112311,9052,1624,067

20211231()

2021

14.

2020112,2703,9796,249

343645988–(13)(13)202012312,6134,6117,224202011(585)(1,919)(2,504)

(63)(395)(458)

–101020201231(648)(2,304)(2,952)2020111,6852,0603,745202012311,9652,3074,272

2021112,6134,5047,117

1260261

–(6)(6)202112312,6144,7587,372202111

(648)(2,270)(2,918)

(61)(405)(466)

–6620211231

(709)(2,669)(3,378)2021111,9652,2344,199202112311,9052,0893,994

20211231()

14.

2020112,2703,8856,155

343632975

–(13)(13)202012312,6134,5047,117202011(585)(1,896)(2,481)

(63)(384)(447)

–101020201231(648)(2,270)(2,918)2020111,6851,9893,674202012311,9652,2344,199

15.

2021202020212020123112311231123156,31953,21755,59452,559(11)–––56,30853,21755,59452,559

20211231()

2021

15.

15.1

2021123120201231

225,94156,485197,30849,3279,9972,4996,5801,6457,0831,7717,0601,7652,6866722,256564

3,520880245,72161,431216,72454,181

2021123120201231

222,69555,674194,41648,6049,9832,4966,5521,6387,0831,7717,0601,7652,6046512,256564

3,484871242,37960,596213,76853,442

15.2

2021123120201231

(20,065)(5,017)(3,532)(883)

(424)(106)

(324)(81)

(20,489)(5,123)(3,856)(964)

20211231()

15.

15.2

2021123120201231

(20,008)(5,002)(3,532)(883)

15.3

20211149,3271,765(3)1,64548353,21742)7,8176(2,554)854836,20643)

(659)–(2,456)––(3,115)2021123156,4851,771(5,013)2,49956656,30820201141,3901,8502,3621,24439147,237

42)8,196(85)(2,481)401926,123

43)(259)–116––(143)2020123149,3271,765(3)1,64548353,217

20211231()

2021

15.

15.3

20211148,6041,765(12)1,63856452,55942)7,7276(2,555)858876,12343)

(657)–(2,431)––(3,088)2021123155,6741,771(4,998)2,49665155,59420201140,6081,8502,3621,23545846,513

42)8,255(85)(2,480)4031066,199

43)(259)–106––(153)2020123148,6041,765(12)1,63856452,559

16.

2021202020212020123112311231123114,0449,03914,0449,039(3)5,000–5,000–4,8323,5824,8093,5612)4,0702,8714,0702,8713,984

3,984

3,8621,6872,9521,5713,2983,6792,9803,6842,5691,2892,5371,2821,2792,0581,2312,027

(1)

2,8452,1932,8042,19546,47927,55045,10727,381(1,759)(889)(1,757)(889)44,72026,66143,35026,492

20211231()

16.

(1)

2021202012311231

(42)(39)

17.

2021

7387–––160

883604––(3)1,484

1,120(210)–––910

205,52728,7284,016(17,623)(105)220,543

20,48711,578––(24)32,041

526622–––1,148

3920–(17)–42

8501,496130(759)–1,717229,50542,9254,146(18,399)(132)258,045

20211231()

2021

17.

2020

24924–––7331,659(776)–––8835891229–––1,1206166,85452,3773,738(16,410)(1,032)205,527825,000(4,552)––3920,4879395131–––526162919–(9)–391663478765(636)–850

195,51148,2393,803(17,055)(993)229,505

2021

7387–––160

1,231604––(3)1,832

1,120(211)–––909

203,46425,8833,588(15,364)(105)217,466

20,48411,573––(24)32,033

525615–––1,140

3920–(17)–42

8501,493130(758)–1,715227,78640,0643,718(16,139)(132)255,297

20211231()

17.

2020

24924–––7331,682(451)–––1,2315891229–––1,1206164,95849,0563,413(12,947)(1,016)203,464825,000(4,555)––3920,4849395130–––525162919–(9)–391663478765(636)–850

193,63845,2393,478(13,592)(977)227,786

18.

202120201231123117,31625,2882021123120201231

20211231()

2021

19.

20212020202120201231123112311231

85,40421,09985,40421,09969,40564,81370,10667,033154,80985,912155,51088,13220.

2021202020212020123112311231123129,72026,7233,1459,29712,8454,02012,8454,02042,56530,74315,99013,31721.

20212020123112319,2702,57325,37322,56134,64325,134

20211231()

22.

2021202012311231

898,371874,155

3,008,9982,893,1633,907,3693,767,318

407,065385,694

7,036,6376,202,4017,443,7026,588,0953,0022,61611,354,07310,358,02920211231408.1920201231390.20

20211231()

2021

23.

2021

12,69741,735(38,290)16,142

–2,519(2,519)–1333,015(2,986)1621242,874(2,839)159

870(76)2

171(71)1143,878(3,874)181,4951,018(1,160)1,353

6407,132(7,014)7581034,703(4,688)118

5129(129)5

5322,300(2,197)635(1)63634(32)638

–27(27)–15,61559,358(55,902)19,071

2020

10,45936,873(34,635)12,697

–2,258(2,258)–912,453(2,411)133882,324(2,288)124 281(75)8 148(48)1

143,537(3,537)141,5431,041(1,089)1,4951,3095,138(5,807)640

953,293(3,285)103 441(40)5 1,2101,804(2,482)532

(1)63038(32)636

–36(36)–14,04651,374(49,805)15,615

20211231()

23.

2021

12,57041,208(37,791)15,987

–2,504(2,504)–1332,992(2,963)1621242,853(2,818)159

868(74)2

171(71)1133,838(3,834)171,486996(1,145)1,3376407,055(6,948)7471034,664(4,649)118

5128(128)5

5322,263(2,171)624(1)63634(32)638

–27(27)–15,47858,654(55,244)18,888

2020

10,39436,417(34,241)12,570

–2,249(2,249)–912,435(2,393)133882,309(2,273)124 279(73)8 147(47)1

143,503(3,504)131,5381,027(1,079)1,4861,2955,104(5,759)640953,271(3,263)103 441(40)5 1,1961,792(2,456)532

(1)63038(32)636

–36(36)–13,96250,809(49,293)15,478

20211231()

2021

23.

(1)

20212020

(1)(2)

(32)(32)

2021202012311231

3.50%

2.75%

3.00%

8.00%

3%0%3%0%6%3%0%6%3%0%

55505550

202112312020123120161228

(2010-2013

20211231()

24.

20212020202120201231123112311231

4,26710,4824,03010,1273,4263,2623,3843,236

8,72114,6358,41414,23325.

202120201231123181,42650,83510201610(1)–30,154 1020173(2)20,68320,681 1020218(3)50,610– 1520218(4)10,133–(5)–7,13981,42657,974

(1) 20161010300

3.30%202110

202110

(2) 2017310200

4.50%20223

202234.50%

20211231()

2021

25.

(3) 2021810500

3.44%20268

202683.44%

(4) 2021815100

3.75%20318

203183.75%

(5) 202154.802020594.70

2.60%20201.33%-3.05%)202112312020123171.7026.

20212020202120201231123112311231

2,3892,2702,2852,172

5,7205,5115,4525,050

1,2771,1581,2771,15810,1409,6849,7399,0989,6839,2789,2538,747

20211231()

27.

20212020202120201231123112311231

(1)15,25411,49815,25411,49814,90415,70414,90415,7048,7851,4577,9421,4552)4,0702,8714,0702,8712,0661,9982,0661,9981,9992,1181,9992,1181,9371,7461,9371,7461,0321,1511,0231,139

13,9058,61113,4068,04064,83048,09363,47947,508

(1)

2021

(i)4,4383,733–8,171(ii)7,06049(26)7,083

11,4983,782(26)15,254

2020

(i)2,2602,178–4,438(ii)7,398(338)–7,060

9,6581,840–11,498

20211231()

2021

27.(1)(i)

20211231

202112317,991631178,171

20201231

202012314,39624184,438(ii) 2021123120201231

28.

28.1

2021123120201231

A72,52872,52867,12367,123H19,85619,85619,85619,85692,38492,38486,97986,979

HA1.0020111223[2011]181450

45020131220141220100

20211231()

28.

28.1

2015128

116.04686.042016928810.31

A[2019]565[2019]199120191251.72A

A1.005.50

280.0151.72228.29A

862.03

202017.76A

1.005.5042.057.76

34.29A869.792021354.05A1.00

5.55299.8554.05245.80

A923.8420211231923.84612.53

311.3120201231558.48

20211231()

2021

28.

28.2

(1)

7,25047,989

(120)47,8692017927204.50%36,250

72.50479.8920211231

478.6920201231478.69

(a)

(b)

20211231()

28.

28.2

(1)(c)

(d)

5.125%

H5.125%H

HH(1)(2)

(e)

(f)

20211231()

2021

28.

28.2

(1)(g)

(2)20212020(3)

20203163.69%10080080,000

20213194.42%10030030,000

(14)109,986

(a)

(1)(2)

20211231()

28.

28.2

(3)(b)

(c)

(1)(2)

(d)

(e)

20211231()

2021

28.

28.2

(4)

20211120211231

80079,98930029,9971,100109,986

(5)

2021202012311231

1.794,091671,799 (1)636,236543,941 (2)157,855127,858

5,2762,584

(5,276)(2,584)2.1,4581,131 (1)1,4581,131 (2)––

2021202012311231

1.789,993669,781 (1)632,138541,923 (2)157,855127,858

5,2762,584

(5,276)(2,584)

20211231()

29.

20212020202120201231123112311231

3,4483,4483,4483,44833,53633,53633,53633,536H37,67537,67537,67537,675(11)(11)––A26,25826,25826,25826,258A28.1)24,580–24,580–125,486100,906125,497100,91730.

10%50%

2021202042,68836,4397,4176,249

50,10542,68831.

2021202020212020130,071116,129129,688116,11627,29613,94227,08313,572

157,367130,071156,771129,688

[2012]20

1.5%

20211231()

2021

32.

2021202020212020180,572157,431178,896157,09976,17064,19974,17062,485256,742221,630253,066219,584

1,349–1,349–7,4176,2497,4176,249

27,29613,94227,08313,572 (1)19,26218,28319,26218,283 (2)2,3242,5842,3242,584 (3)2,952–2,952–198,840180,572195,377178,896

(1) 2020102.0852020

192.622021722A202185H2019102.1022019

182.832020610A2020717H

(2) 20215

4.50%23.24202192720205

4.50%25.842020927

(3) 202133.69%29.52

20211231()

33.

2021202020212020

18,90217,65518,90217,6551,615

1,6961,00610,52511,50910,84411,7805,6412,9615,6412,961287,207256,955280,405251,29298,18691,37898,18691,378

189,021165,577182,219159,914

116,219116,468116,186116,461

11,4589,76511,2349,687451,567416,252444,908410,842(281)(239)(281)(239)(1,346)(1,100)(1,354)(1,185)(1,283)(1,237)(376)(570)(1,471)(2,088)(1,471)(2,088)(175,218)(154,793)(175,218)(154,793)(2,586)(3,417)(2,586)(3,417)(182,185)(162,874)(181,286)(162,292)269,382253,378263,622248,550

20211231()

2021

34.

2021202020212020

(1)12,2396,48712,4086,59111,95111,51611,95111,516(2)9,6268,2819,6268,2815,1704,1984,1343,950(3)1,366

1,364

1,164

42,38332,74641,48632,560(4)(20,376)(16,251)(20,905)(17,497)22,00716,49520,58115,063

(1)(2)(3)(4)

20211231()

35.

2021202020212020

––

–

14,24410,20314,19810,188

1,318

1,313

16,17310,78016,20710,76536.

2021202020212020

10,8268,42310,8308,419(26)(22)(26)(22)10,8008,40110,8048,397

37.

20219.83

6.8020207.885.17

20211231()

2021

38.

20212020202120201,014

2,4682,1872,4082,13539.

202120202021202089,18282,31389,18282,313(1)59,22851,35558,52450,7909,0378,0788,8937,991(2)30,65523,90330,00523,437188,102165,649186,604164,531

(1)

202120202021202041,61836,87341,09136,4177,1325,1387,0555,1043,8783,5373,8383,5033,0152,4532,9922,4352,5192,2582,5042,2491,0181,041

1,027

59,22851,35558,52450,790

23(1)

(2) 20217.4220207.72

20211231()

40.

2021202020212020

(776)

(451)(210)

(211)

28,72852,37725,88349,056

11,578(4,552)11,573(4,555)

3,7332,1783,7332,1781,496

1,493

46,63850,39843,77747,39841.

20212020

(338)

(44)

20211231()

2021

42.

2021202020212020

11,1289,94110,3129,423

15.3)

(6,206)(6,123)(6,123)(6,199)

4,9223,8184,1893,224

202120202021202081,45468,13678,35965,70925%20,36417,03419,59016,42716,00813,67015,93413,620

4,9223,8184,1893,224

[2015]150

20211231()

43.

2021

20211231

(276)(13)(289)(13)––(13)

9804,6885,6686,251–(1,563)4,688

4032,6783,0813,987(416)(893)2,678

1,6181,9763,5942,760(125)(659)1,9762,7259,32912,05412,985(541)(3,115)9,329

2020

20201231

(257)(19)(276)(19)––(19)

–9809801,307–(327)980

1,732(1,329)403(1,325)(447)443(1,329)

8447741,6181,033–(259)774

2,3194062,725996(447)(143)406

20211231()

2021

43.

2021

20211231

(276)(13)(289)(13)––(13)

9804,6885,6686,251–(1,563)4,688

4342,6033,0373,887(416)(868)2,603

1,6171,9713,5882,753(125)(657)1,9712,7559,24912,00412,878(541)(3,088)9,249

2020

20201231

(257)(19)(276)(19)––(19)

–9809801,307–(327)980

1,732(1,298)434(1,284)(447)433(1,298)

8447731,6171,032–(259)773

2,3194362,7551,036(447)(153)436

20211231()

44.

2021202076,17064,1992,3242,5842,952–70,89461,61591,03386,914

0.78

0.71

20212020

45.

(1) 3

2021202020212020123112311231123148,54550,05648,54550,05617,02731,89717,02731,8979,0089,9588,2699,38043,7328,88843,7328,888193,502233,979193,353233,9791,950

1,950

313,764335,526312,876334,898

20211231()

2021

45.(2)

2021202020212020

76,53264,31874,17062,485

46,63850,39843,77747,398

7,8527,1267,7287,0551,185

1,165

(10,800)(8,401)(10,804)(8,397)(125,091)(122,816)(124,834)(122,731)(12,637)(6,970)(12,671)(6,955)(6,206)(6,123)(6,123)(6,199)2,4324,4522,4324,452(965,926)(858,496)(946,237)(854,417)1,095,5261,037,2431,084,0331,030,696109,557161,772112,688154,412

20211231()

20212020202120201231123112311231

5,3952,8285,3952,805

20212020123112319,781

25,46322,63935,24423,059

20211231

869.0120201231735.363.

20211231

294.0220201231309.16

2021123110.482020123121.50

20211231()

2021

202112311,256.76202012311,186.055.27(1)6.

2021202012311231205,696267,884

20211231()

2021202012311231 1

3,986 11152,421273,806152,623277,79236,15838,65242,85940,22632,20930,383367,441330,260631,290717,313

2021123120201231

20211231()

2021

2021123120201231

307–2,12230

(300)–

(2,142)(29)2.

2021

40.332020

2021

102.942020

50.192021123140.702020123128.71

20212020

20211231()

2021

195,163102,544153,860–451,567(160,320)(14,898)(6,967)–(182,185)

169,863(30,048)(139,815)––

204,70657,5987,078–269,382

16,1291,4004,478–22,007

––16,173–16,173––10,800–10,800

(156)107(880)–(929)

183––153336

10–––10983–––983(1,452)(795)(221)–(2,468)(151,355)(19,328)(17,419)–(188,102)

(23,424)(9,750)(13,464)–(46,638)

(20)–––(20)

–––(129)(129)45,60429,2326,5452481,405

28–57260345

–––(296)(296)45,63229,2326,602(12)81,454

7,3791,466192–9,03711,4212,283149–13,853

20211231()

20211231

4,156,6192,867,7175,507,218–12,531,554

56,31912,587,873(10,137,672)(1,326,313)(328,328)–(11,792,313)

(11)(11,792,324)367,441263,849––631,290

20211231()

2021

2020

171,15495,543149,555–416,252(140,117)(14,676)(8,081)–(162,874)154,730(25,020)(129,710)––185,76755,84711,764–253,378

12,4859553,055–16,495

––10,780–10,780––8,401–8,401(1,149)(903)(1,947)–(3,999)197––144341

18–––18788–––788(1,309)(764)(114)–(2,187)(133,803)(15,594)(16,252)–(165,649)

(33,676)(21,341)4,619–(50,398)

(19)–––(19)

(6)––(186)(192)29,29318,20020,306(42)67,757

21–50264335

(1)––454429,31318,20020,35626768,136

6,7261,244108–8,0786,3041,166101–7,571

20211231()

20201231

3,647,9772,644,5875,007,482–11,300,046

53,21711,353,263(9,176,091)(1,278,929)(225,313)–(10,680,333)330,260387,053––717,3132.

20211231()

2021

183,26254,94138,48239,46370,40249,98215,035451,567(14,990)(28,099)(14,243)(26,024)(51,834)(34,938)(12,057)(182,185)(170,222)17,80910,94327,31258,83040,52314,805–(1,950)44,65135,18240,75177,39855,56717,783269,382

3893,3333,9054,6464,7453,8041,18522,00714,7123971572483641969916,17310,801––(5)(6)9110,800

(874)3(41)(26)(1)16(6)(929)

(2)79286473877336–9–11(1)–101033327165253213983

(241)(481)(319)(342)(494)(445)(146)(2,468)(17,916)(24,086)(20,143)(25,120)(48,412)(38,186)(14,239)(188,102)(12,088)(6,592)(5,937)(4,393)(8,641)(7,202)(1,785)(46,638)–––(9)(1)(8)(2)(20)

(1)(41)(7)(23)(24)(27)(6)(129)(7,160)17,30513,15215,80825,05414,3422,90481,405

62517116688726345

59(41)(24)(49)(75)(131)(35)(296)(7,095)17,28913,14515,87525,04714,2982,89581,4541,1721,3181,0111,3941,6361,8746329,0374,2201,1266524,3471,5351,44452913,853

20211231()

20211231

7,231,9521,935,2201,261,3222,063,2153,803,9822,651,428909,048(7,324,613)12,531,554

56,31912,587,873(6,605,154)(1,917,144)(1,245,103)(2,037,294)(3,776,717)(2,628,676)(906,838)7,324,613(11,792,313)

(11)(11,792,324)367,44147,25159,89565,85635,67946,5218,647–631,290

20211231()

2021

2020

176,87647,46833,97836,23163,18044,63513,884416,252(15,311)(24,768)(12,361)(22,957)(45,423)(31,418)(10,636)(162,874)(153,196)15,54110,05223,08853,28837,67713,550–8,36938,24131,66936,36271,04550,89416,798253,378(3,404)3,0023,5494,1534,2853,7491,16116,49510,1172474487128659210,7808,38531565(4)8,401(3,877)(14)(68)(15)(4)(7)(14)(3,999)2282236464815341––––182(2)18194529216493589788

(155)(441)(293)(327)(448)(389)(134)(2,187)(9,388)(21,902)(18,168)(22,884)(44,631)(35,391)(13,285)(165,649)1,475(11,415)(8,561)(5,894)(14,184)(9,455)(2,364)(50,398)–––(11)(1)(4)(3)(19)

(6)(33)(46)(26)(20)(58)(3)(192)11,5577,8158,44211,53016,3079,8502,25667,75753022985510520335

428(76)(20)(67)(117)(78)(26)4411,9907,7698,44411,56116,2459,8772,25068,136

7591,2319281,2721,5181,7686028,0782,6885855099111,3409635757,571

20201231

4,723,3071,728,3351,134,8511,836,3513,424,6212,402,606843,684(4,793,709)11,300,046

53,21711,353,263(3,681,078)(1,714,679)(1,121,574)(1,814,651)(3,402,708)(2,387,698)(840,866)4,282,921(10,680,333)

330,26166,04081,58481,05467,15773,92417,293–717,313

20211231()

20211231202012311,376

2021354.05A

67.38%2021123167.38%20201231

65.34%)20201231)

0.01%2021202112312.

(1)

20212020123112313,0353,0267,5628,362

2,220

20211231()

2021

??

2.(2)

20212020

1,351

–

(1)

燊

(1)

20211231()

4.1

(1)

)

Σ×365)×

1.5%/365

0.2%2.3%

20211231()

2021

4.1

(1)

20212020

(i)89,18282,3137,9358,170(ii)9,3045,531106,42196,014(i) 2021933.792020852.13

-41.972020-29.00(ii)34)(2)(a)

20212020

1,0101,000

(b)

20212020123112311,029

20211231()

4.1

(3)(a)

20212020(i)

(ii)

1,055

(i)(ii)

(b)

20212020(i)1,109

(ii)–

2,6782,295

(i)(ii) A

20211231()

2021

4.1

(4)

2021202012311231

20211231202012

(5)

2021202012311231

7,1576,2473,3183,17610,4759,423

0.30%-2.75%

0.30%-2.94%

(6)

20212020123112311,7996,369

20211231()

4.1

(7)

2021202012311231

–2,011

4,0151,1394,0153,150

2,0392,934(8)

2021202012311231

(9)

202120201231123127)1,9992,118

20211231()

2021

4.1

(10)

20212020

4.2

2021202012311231

–

20212020

20211231燊

20201231燊

20211231()

4.3

2021202012311231

(1)

1,361(2)–

(2)–

(3)

–

4,7144,182–

20212020

–

(4)4,4494,039

(4)1,2761,158

(1) 20211231

20201231

20211231

(2) 20201231

2021123120211231

(3) 2021123120201231

(4) 20212020

20211231()

2021

4.4

2021202012311231

20212020

20211231()

2021

3.1

3.2

3.3

3.4

20211231()

3.4

???????

20211231()

2021

3.4

(1)

(2)

20211231()

3.4

(3)

????????

(4)

(PD)(EAD)(LGD)

(PD)12

20211231()

2021

3.4

(4)

(LGD)

(EAD)

(5)

)

20225%-6%

20211231()

3.4

(5)

10%202112315%

(6)

20211231(7)

(8)2021

140.662020147.21(9)

2021123120201231

20211231()

2021

3.5

3.6

2021123120201231

2021202012311231

1,140,9131,169,806

90,78243,682

280,093248,396

6,05311,140

265,229259,956

6,237,1995,512,361

748,797418,232

3,280,0033,173,643

306,132315,922

32,01620,24712,387,21711,173,385

631,290717,31313,018,50711,890,698

20211231()

3.7

(1)

(a)

2021123120201231

342,9035%318,6276%1,583,33325%1,406,06125%1,305,96720%1,157,45520%1,105,15717%979,62517%964,91915%869,13315%813,08913%668,37212%338,7315%316,9855%6,454,099100%5,716,258100%(b)

2021123120201231

2,253,93635%1,977,78535%

444,0107%484,5808%3,756,15358%3,253,89357%6,454,099100%5,716,258100%

20211231()

2021

3.7

(1)

(c)

2021123120201231

706,26211%611,92911%326,8405%312,4805%237,7394%193,8613%

229,2093%204,9234%138,8862%93,6072%135,0922%110,2492%129,8552%117,4242%119,8392%110,4402%110,6072%96,0182%60,7981%69,2681%58,8091%57,5861%2,253,93635%1,977,78535%444,0107%484,5808%

2,169,30934%1,921,05534%

496,6217%441,9458%915,35414%746,25213%174,8693%144,6412%3,756,15358%3,253,89357%6,454,099100%5,716,258100%

20211231

1,770.89202012311,820.89

20211231()

3.7

(1)

(d)

2021123120201231

1,703,82326%1,504,50426%420,2617%383,6017%3,242,49650%2,779,99149%643,50910%563,58210%444,0107%484,5808%6,454,099100%5,716,258100%(e)

20211231

19091113

90133

7,1497,7131,7881,06917,7192,4732,2843,0067478,5108,6087,4645,9772,98225,031744,3021,1666026,144––10–1018,30421,76311,9475,40057,414

20211231()

2021

3.7

(1)(e)

20201231

1909111390133

4,0184,9602,50419811,6802,1652,1542,3948127,5256,9107,0057,2192,94324,07746051,4142082,087

––10–1013,55314,12413,5414,16145,379

3.8

(1)

20211231(i)

3,275,2014,784183,280,003

306,115–17306,1323,581,3164,784353,586,135

20201231(i)

3,158,89214,717343,173,643

315,869–53315,9223,474,76114,717873,489,565

20211231()

3.8

(1)(i)

202112311,246,55859,9681,306,5261,516,188185,8051,701,993107,77156,454164,225229,084391229,475144,051–144,051

30,170–30,170

7,2643,49710,7613,281,086306,1153,587,201

5,885–5,8853,275,201306,1153,581,316

202012311,069,15759,5771,128,7341,586,139203,2531,789,392

120,95648,381169,337177,417719178,136144,626–144,62663,975–63,975

4063,9394,3453,162,676315,8693,478,545

3,784–3,7843,158,892315,8693,474,761

20211231()

2021

3.8

(2)

20211231

AAAAAAA

694,067617,624–100–1,311,7911,609,482120,2271,61410,56110,4951,752,379

26,307134,582–16,9966,575184,460

412,138––––412,138

19,095126,027–––145,12210,761––––10,761

441,238––––441,238

57,541––––57,54151,543––––51,5433,322,172998,4601,61427,65717,0704,366,973

20201231

AAAAAAA

652,437477,486–––1,129,9231,683,521124,95210117,4399,9571,835,97022,144154,88940819,6151,300198,356

234,626––––234,626

41,519103,88164––145,464

4,345––––4,345

236,389––––236,389

50,693––––50,693

493––––49392,025––––92,0253,018,192861,20857337,05411,2573,928,284

20211231()

4.1

4.2

(1)

(2)

2021202012311231

(13,773)(4,171)

13,7734,171

20211231()

2021

4.3

20211231

131551,132,543––––56,9151,189,458

11,50412,02366,773––48290,78268,62025,550149,48935,387–1,047280,093

–––––6,0536,053202,52420,37841,820––507265,2293,119,309579,0542,147,599261,684110,20719,3466,237,199

22,30384,97588,73949,5302,523502,527750,59743,69165,903548,8751,324,8491,251,07145,6143,280,00313,79927,07672,192176,42110,9545,690306,132

–––––11,88811,888

–––––32,01632,0164,614,293814,9593,115,4871,847,8711,374,755682,08512,449,450

2,9581,40012,952––617,316

144,3596605778,796–417154,8096,8726,67628,662––35542,565

–––––5,1765,17617,10710,4406,995––10134,6434,753,0221,901,5023,431,9251,102,101–165,52311,354,073

––––79,9841,44281,4263473742,2815,4621,22048,89158,5754,924,6651,921,0523,483,3921,116,35981,204221,91111,748,583

(310,372)(1,106,093)(367,905)731,5121,293,551460,174700,867

20211231()

4.3

20201231

13155

1,160,589––––59,2731,219,862

13,45184729,337––4743,68220,47524,238155,88247,382–419248,396

–––––11,14011,140217,09031,84710,690––329259,9562,872,910559,6601,885,547155,81719,90318,5245,512,361

8,65428,95340,64514,84735,951290,231419,281181,033573,939517,1361,019,197837,28245,0563,173,6435,65810,74872,704208,63712,4645,711315,922

–––––5,8045,804–––––20,24720,2474,479,8601,230,2322,711,9411,445,880905,600456,78111,230,294

–4,40020,866––2225,288 65,706–10,8618,934–41185,912

4,6135,07820,875––17730,743

–––––9,6329,6327,66110,7176,663––9325,1344,463,1101,451,0703,048,3141,242,662–152,87310,358,029

––7,138–49,96786957,974

–––––36,59536,5954,541,0901,471,2653,114,7171,251,59649,967200,67210,629,307

(61,230)(241,033)(402,776)194,284855,633256,109600,987

20211231()

2021

4.4

2021123120201231

20211231

1,186,2223,188481,189,45887,3162,2331,23390,782257,49122,602–280,093

1,0484,8501556,053265,229––265,2296,205,69525,6015,9036,237,199

668,00982,588–750,5973,231,55448,423263,280,003

301,4624,670–306,13211,888––11,88825,8626,150432,01612,241,776200,3057,36912,449,45017,316––17,316

154,809––154,809

27,51515,050–42,565

1,0463,9791515,17634,643––34,64311,327,61226,05740411,354,07381,426––81,42652,8365,738158,57511,697,20350,82455611,748,583

544,573149,4816,813700,867

91,727(83,409)(9,986)(1,668)618,5256,5756,190631,290

20211231()

4.4

20201231

1,217,1772,625601,219,862

39,7373,05988643,682245,0873,309–248,396

70110,439–11,140259,956––259,9565,474,92829,7597,6745,512,361

411,1848,097–419,2813,129,77543,868–3,173,643308,2117,711–315,922

5,804––5,80418,4581,789–20,24711,111,018110,6568,62011,230,294

25,288––25,28885,912––85,91217,42613,317–30,743

6528,980–9,63225,134––25,13410,304,03853,64734410,358,029

57,974––57,97435,713880236,59510,552,13776,82434610,629,307

558,88133,8328,274600,987(15,357)25,295(8,123)1,815700,52212,1924,599717,313

20211231()

2021

4.4

20212020123112315%2,231

5%(2,231)(661)

5.1

2021

20211231()

5.2

20211231

1131

3155

–65,572–551–––1,123,3351,189,458–9,0092,51112,13867,124–––90,782––68,87326,024149,80935,387––280,093––6611,9642,480948––6,053––202,76820,50041,961–––265,22912,854–328,464437,7161,837,0161,256,0932,365,056–6,237,199

10124,13725,86285,175184,435148,299180,8791,800750,597

196–54,49977,358568,7541,327,2011,251,995–3,280,003

17–14,84129,26874,631176,42110,954–306,132

–––––––11,88811,8882,11522,0683722,2031755294,27428032,01615,192220,786698,851692,8972,926,3852,944,8783,813,1581,137,30312,449,450

––2,9601,40112,955–––17,316

–143,6049077716758,852––154,809

––6,9446,76428,857–––42,565

––8831,4581,879956––5,176

––17,15610,4807,007–––34,643

–3,967,774813,5411,957,8903,483,1831,131,685––11,354,073

–––695747–79,984–81,426

–16,53116,69910,9572,5526,5465,290–58,575

–4,127,909859,0901,990,4163,537,8551,148,03985,274–11,748,58315,192(3,907,123)(160,239)(1,297,519)(611,470)1,796,8393,727,8841,137,303700,867

20211231()

2021

5.2

20201231

1131

3155 –81,953–559–––1,137,3501,219,862

–9,9583,49386329,368–––43,682––20,49124,504156,01947,382––248,396––1,1592,1707,153658––11,140––217,25731,95810,741–––259,9567,974–355,597402,0171,611,3521,087,7262,047,695–5,512,361 1060,7378,86329,34250,084123,464145,7321,049419,281 34–59,998167,341429,5561,454,6421,062,072–3,173,643 ––5,7429,42076,092212,20412,464–315,922 –––––––5,8045,804

1,41011,7241333,2161343623,08118720,2479,428164,372672,733671,3902,370,4992,926,4383,271,0441,144,39011,230,294

–––4,42220,866–––25,288 –65,733––11,0459,134––85,912

––4,6475,13220,964–––30,743

––1,4031,8705,643716––9,632

––7,69510,7636,676–––25,134

–3,819,615652,6811,452,8363,112,6221,320,275––10,358,029

–––6957,312–49,967–57,974

–13,13116,4562,7762401,1212,871–36,595

–3,898,479682,8821,478,4943,185,3681,331,24652,838–10,629,3079,428(3,734,107)(10,149)(807,104)(814,869)1,595,1923,218,2061,144,390600,987

20211231()

5.3

20211231

1131

3155

–65,572–551–––1,123,3351,189,458–9,0092,51512,41868,248–––92,190––68,94827,731153,73735,973––286,389––202,85320,60142,610–––266,06414,969–365,336513,3522,095,0481,950,3603,266,765–8,205,830

10124,13725,71284,942185,237155,844184,6631,800762,345

196–57,10283,177632,6711,635,1251,534,418–3,942,689

17–14,93229,69577,725189,04512,213–323,627

–––––––11,88811,888–22,0683722,2031755294,27428029,90115,192220,786737,770774,6703,255,4513,966,8765,002,3331,137,30315,110,381

––2,9631,40413,009–––17,376

–143,6049087748249,199––155,309––6,9506,85429,312–––43,116––17,16510,5157,056–––34,736–3,967,774814,2371,965,0223,529,6561,194,359––11,471,048–––9002,09511,98092,955–107,930–16,53116,71510,9752,6596,8045,347–59,031–4,127,909858,9381,996,4443,584,6111,222,34298,302–11,888,54615,192(3,907,123)(121,168)(1,221,774)(329,160)2,744,5344,904,0311,137,3033,221,835

––6–(8)1––(1)

––(499)(17,910)(135)1––(18,543)

––90,030160,388177,0431––427,462

––(90,529)(178,298)(177,178)–––(446,005)––(493)(17,910)(143)2––(18,544)

20211231()

2021

5.3

20201231

1131

3155 –81,953–559–––1,137,3501,219,862

–9,9583,50294629,833–––44,239––20,51626,667159,65449,282––256,119––217,33732,10610,858–––260,3019,086–383,273444,8681,758,5001,610,6173,016,250–7,222,594 1060,7378,87129,48851,870131,008150,0111,049433,044 332–63,076178,438493,2661,769,3451,302,363–3,806,820 ––5,8169,75380,091229,38014,444–339,484 –––––––5,8045,804

–9,5521333,2161343623,08118716,6659,428162,200702,524726,0412,584,2063,789,9944,486,1491,144,39013,604,932

–––4,49720,958–––25,455 –65,733––11,1319,970––86,834

––4,6495,32121,299–––31,269

––7,70010,7986,719–––25,217

–3,819,615653,1921,458,0233,155,9901,389,964––10,476,784

–––9008,1607,56053,690–70,310

–13,13116,4562,7762401,1212,871–36,595

–3,898,479681,9971,482,3153,224,4971,408,61556,561–10,752,4649,428(3,736,279)20,527(756,274)(640,291)2,381,3794,429,5881,144,3902,852,468

––361135––55 ––(625)3251,960(186)––1,474 ––103,51776,350244,8509,134––433,851 ––(104,142)(76,025)(242,890)(9,320)––(432,377)

––(622)3311,971(151)––1,529

20211231()

5.4

20211231115550,74788,69513,181152,62336,158––36,15820,30117,9494,60942,85932,209––32,209367,441––367,441506,856106,64417,790631,290

202012311155

70,856190,82116,115277,79238,652––38,65222,61813,9823,62640,22630,383––30,383330,260––330,260492,769204,80319,741717,313

20211231()

2021

20212020

7.1

???

7.2

20211231()

7.3

20211231

3,280,0033,334,758–2,772,136562,622

81,42681,911–81,911–

20201231 3,173,6433,011,32745,4512,340,101625,775 57,97458,201–58,201–

20211231()

2021

7.4

20211231

–67,310–67,310

–182,663–182,663

–45–45

–390,37350,865441,238

––57,54157,541

637–1,1631,800637640,391109,569750,597

–5,002–5,002

–1,049–1,049

–2–2–6,053–6,053

–302,244–302,244

–391–391

––3,4973,497–302,6353,497306,132

–594,407–594,407–594,407–594,407

9,491–2,39711,8889,491–2,39711,88810,1281,543,486115,4631,669,077

–(4,106)–(4,106)

–(1,052)–(1,052)

–(18)–(18)–(5,176)–(5,176)–(5,176)–(5,176)

20211231()

7.4

20201231

1,04775,306–76,353 7,05546,948–54,003 –301–301 –235,673716236,389 ––50,69350,693 –493–493 12–1,0371,049

8,114358,72152,446419,281 –10,438–10,438 –702–702

–11,140–11,140 7,711303,553–311,264 –719–719 ––3,9393,939

7,711304,2723,939315,922 –151,369459,105610,474

–151,369459,105610,474 –4,2511,5535,804

–4,2511,5535,80415,825829,753517,0431,362,621 –(8,959)–(8,959) –(673)–(673)

–(9,632)–(9,632)

20211231()

2021

7.4

(1)(2)

(Black Scholes Model)

20211231()

7.4

(3)

20211231

(a)50,865

(a)57,541

(a)1,163

109,569(b)3,4973.52%-6.05%(a)2,397

115,463

20201231

(a)716 (a)50,693 (a)1,037

52,446(b)3,9393.70%-5.50%(a)1,553

459,1052.83%

517,043

20211231()

2021

7.4

(3)(a)(b)

20212020

2021

52,4463,9391,553459,10550,5103,458500–(1,840)(3,899)–(38,970)

8,453–––

–(1)344962–––(421,097)109,5693,4972,397–

2020

44,929–1,053309,573

–3,939500149,484

(325)––– 7,842––– –––48

52,4463,9391,553459,105

20211231()

7.4

(4)

2021

20211231

8.00%9.00%11.00%202012317.50%8.50%10.50%)2021

20211231()

2021

2021123120201231

2021202012311231

(1)

9.92%

9.60%

(1)

12.39%

11.86%

(1)

14.78%

13.88%

637,186544,654(2)(2,162)(2,307)635,024542,347157,982127,954793,006670,301

79,98449,967

72,74964,121

(3)945,992784,579(4)6,400,3385,651,439

(1)(2)(3)(4)

20211231()

(1)

2022118300202238400(2)

201731020020223

2022324

(3)

2022330

2021923.84

102.474228.562021

2022330

20211231()

2021

20212020

(49)

(31)(96)

1,122(254)(305)

––

[2008]4320212020

20211231()

20211231·

2021

11.86%0.780.78

11.76%0.770.77

2020

11.84%0.710.71

11.69%0.700.70

2021123120201231

2021

20211231

2021

793,006776,553747,728748,28313,010,21912,673,91512,677,23412,407,500(%)6.10

6.135.906.03

20211231112,587,8732–3–46,119518,3906399,9997(2,162)813,010,219

20211231

112,316,59122,162312,314,42945,59556,5776–7–8–9–10–1112,17212265,22913–1418,39015–16283,619171,965,563181,565,56419399,99920793,0062113,010,21922(%)6.10

2021

10%

202112315,568124,07348,523178,164 –37,23213,26350,495

5,1011,3466737,120

–6,1087,45713,56589––8910,758131,52756,653198,938

202012314,93645,32145,88596,142 –42011,13711,557

–2,6684,0546,722–1,0058,1709,1754,93648,99458,109112,039

20211231202012313318,29413,55336610,2895,7166121211,4408,408

1217,33617,702

57,35945,379(%)

330.280.243660.160.10612120.180.15

120.270.31

0.890.80

202028920201231

1,180,182,054311,606,7489,816,74757,191,1548,731,678,613

427,411,699

78,125,223

900,628806,014,794

10,29155,251,06612,213,6814,385,76060,920,98825,610,8952,515,6501 2020289

2021

20211231192,3842406,3122a50,1052b157,3672c198,8403137,5403a125,4863b12,05440–59506637,1867–8–92,16210–11–12–13–14–15–16–17–18–19–20–21–

15%

–23–24–25–26a–26b–26c–27–282,16229635,024

2021123130157,85531157,85532–33–3412735–36157,98237–38–39–40–41a–41b–41c–42–43–44157,98245+793,0064679,98447–4825349–5072,74951152,98652–53–54–55–56a–56b–56c–57–58152,98659+945,992606,400,338

2021

20211231

619.926212.396314.78

643.00

652.5066–

670.50

684.92

695.00

706.00

718.007257,05173–74–7556,31976220,5437772,74978–79–80–81–82–83–84–85–

–a4,067b 1,905c

– –d –e

92,384 92,384f

157,855g 47,869 109,986

125,486h12,054i50,105j

157,367k

198,840l

2021

20211231192,384f2406,312j+k+l2a50,105j2b157,367k2c198,840l3137,540h+i3a125,486h3b12,054i

0–59506637,1867–8–a-d92,162b-c-e10–11–12–13–14–15–16–17–18–19–20–21157,85522157,855g

2601658.SH1658.HK46122028006.IB2128011.IB1728005.IB2128028.IB2128029.IB

142,26475,60647,86979,98929,99719,98849,9979,999

72,52819,8567,25080,00030,00020,00050,00010,000

11201911282016920201792720203162021319201732220218192021819

13202732420318232036823

2021

2022927

2025318

2026323

2022324

2026823

2031823

1854.50%

263.4

53.69%

0.01%125

54.42%

0.01%133

4.50%3.44%3.75%

5.125%

(1)

(2)

2021

2017324

1.2.

(1)

(2)

(1)

(2)

(1)(2)

2021

20222021 20223302022 20224302022 20228312022 20221031

A20191210H20169282017928

A72,527,800,60520211231H19,856,167,00020211231

362,500,00020211231

A601658H1658

PSBC 17USDPREF4612

86-4008-058-058H

18317M

852-28628555

852-28650990

86-10-68858158

86-10-68858165

psbc.ir@psbcoa.com.cn

H18317Mwww.psbc.comwww.sse.com.cnwww.hkexnews.hk

A86-4008-058-058H

852-2862855586-10-68858158

2021

20212021

202120212021

2021?2021

2021

100068010-86353872010-86353845

300040022-88588888022-88588858

0500700311-866833290311-86698360

13911-250300060351-21128070351-2112840

0100100471-69247870471-6263020

110013024-31927017024-31927219

32661300000431-812850300431-88985924

1500100451-876593730451-86209997

1080200082021-63292666021-63293206

310009025-83797811025-83796099

4500080371-691991910371-69199191

430022027-65778565027-85722512

4100050731-859882670731-85988345

1-3510620020-38186880020-38186666

5302010771-58360140771-5836013

3100090571-873350160571-85164911

122362300610551-622565160551-62256677

3500050591-871178360591-83373480

3300380791-888911010791-867306107000

2501020531-585587900531-58558780

2021

5702030898-665560050898-66788066

400024023-63859333023-63859222

610094028-88619030028-88619020

5500810851-852080050851-85258832

6500330871-633181550871-63326698

8500140891-63103320891-6310332

710075029-88602848029-88602861

7300300931-84291720931-8429891

8100010971-82991730971-8299178

7500010951-69203590951-6920505

8300020991-23579920991-2357988

1160210411-843766400411-84376688

3150100574-879507770574-87950986

3610120592-22051340592-2206124

2669710532-838866090532-83877070

41-445180480755-222280000755-22228002

510610020-22361163020-22361004

66601100033010-89621800010-8962183010802526200082021-35905606021-35965996

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