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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
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 |
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
POSTAL SAVINGS BANK OF CHINA CO., LTD.
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6.896.255.75
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202120202019(%)
(1)
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20212020(%)269,382253,37816,0046.3222,00716,4955,51233.4227,37316,32911,04467.63318,762286,20232,56011.38 237,357218,44518,9128.66 2,4682,18728112.85 188,102165,64922,45313.55 46,63850,398(3,760)(7.46) 201915.26 129192(63)(32.81)
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2021
20212020
(1)(2)(3)33,782(3,530)30,2522,476(1,032)1,4441,197501,2472,931(559)2,37240,386(5,071)35,31516,0204,40520,425
(493)168(325)(1,037)206(831)
52(10)4214,5424,76919,31125,844(9,840)16,004(1)(2)(3)
4,515.67353.158.48%
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120.677.275.68%
20212020
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3,529,827189,0215.353,012,667165,5775.502,147,03486,1194.011,909,03878,5844.12456,20212,0672.65489,96512,7942.616,133,063287,2074.685,411,670256,9554.75
20212020
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20212020
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64,540.997,378.4112.91%
2021123120201231
(%)(%)
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2021123120201231
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2021123120201231
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37,561.535,022.6015.44%26,659.303,029.3012.82%
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2021123120201231
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2021123120201231
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(1)
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(1)
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2021123120201231
(%)(%)
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2021123120201231
(%)(%)4,334,93299.693,907,79799.82
13,6880.316,8530.184,348,620100.003,914,650100.00
7,505.973,313.1679.02%32,800.031,063.603.35%3,061.3297.903.10%
2021
2021123120201231
(%)(%)750,59717.26419,28110.713,280,00375.433,173,64381.07306,1327.04315,9228.07
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32,374.43742.872.35%
2021123120201231
(%)(%)
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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%
15.44%
11.40%
6.37
(AUM)12.5311.40%
11.99%
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10100,456.359,500.71
37,561.535,022.60
6.37VIP4,262.98
(AUM)12.53
7.0
CRM
6.37
70%
100,456.359,500.71
9.14
8.68%
闪光卡美团联名卡定制卡卡面样本
2021
6,702.6716,930.18645.57
8,937.37
62.48
9.44
8.31
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2.88AUM
20201(B2B/B2C)
VIP4,262.98
17.07%356.21
24.12%
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
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2021
2.67
3,029.3012.82%
2.172,482.54
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++
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9,153.541,691.02
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2.67
–
6.25
2021
1020
1,000
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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%
21.22%1.66%0.17
20215
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IP
葫芦兄弟主题卡乡村振兴主题卡绿色低碳主题卡
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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
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68.82%
5.74%
2.77%13.96%
2021
50.4521.12%
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47.75%
+
30.80%42.68%
20.76%42.72%27.88%
4.70
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40%
+客户分层分类经营
–
10-100
5306
6,292.34
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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%
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+
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民生金融服务投
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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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3,000
398.93
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2021
52021
1,009.96
787.49%
EMS
3,000API
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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%
2.53148.04%
–
3.36%16BPS
15BPS
2.62196.49%
1,458
43,486.20
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3,503.493,068
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6,229.49
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2021
3,040.82
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–
720202021e
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140e20203,30020213
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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
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
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3,580.57517.58
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19.08363.64
–
++
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2063,478
1,44920
3,2329.512.1
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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
e
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
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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
AESGESGSTOXXESG
STOXXESG
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STOXX ESG
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STOXX中国邮政储蓄银行A股ESG指数STOXX中国邮政储蓄银行A股ESG指数从STOXX中国A股900指数中市值最大的300只股票中选出。与宽基指数相比,该指数旨在构建一个保持接近的风险特征但更具ESG特征的投资组合。该指数参考绿色金融国际研究院(IIGF)数据进行排除性筛选,不符合联合国全球契约原则或有争议的公司将不被纳入。该指数使用Axioma的投资组合优化算法确定最终的股票选择和权重,在控制预测风险、可交易性及分散性的约束条件下,最大化指数的整体ESG得分。
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
12.25
2021
444.011,412.46
4.38%
2021
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2021
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2021827
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2021
201511193070.50%
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–
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2021
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100.3011.11%
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IT
ITIT
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11.11%
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Green world, better life.綠色讓生活更美好
2021
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412.469,424.49
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7.87
2.031.29
54.04%84.76%CRM
217400
7796
77DevOps
1,00080%
–
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Green world, better life.綠色讓生活更美好
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0.36MAU4,700APP
APP3.0
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109.61%903.23
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邮储信用卡APP3.0全新上线
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11,925
Green world, better life.
綠色讓生活更美好
2021
App
B2B2021
e
×
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
2021
Green world, better life.綠色讓生活更美好
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
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–
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
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(2) 72,682.94
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2020
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Green world, better life.
綠色讓生活更美好
–
H5
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
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0.07
418.61%
10.55
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1,600
Green world, better life.綠色讓生活更美好
+
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2021
+
+
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Green world, better life.綠色讓生活更美好
2021
2021
13.51%50%
2021
397.154.72%206.50140.6632.36
17.63
2021
2021123120201231
(%)(1)
(%)(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
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2021123120201231
(%)(%)
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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)
A(2)
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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1,770.89
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2021
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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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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
13.619.147.592.021.160.49
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2021
2021123120201231
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20211231
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20211231
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2021
20181
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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%
IT
2021
ESGESGESGESG
ESG
2021
202110
2022-20242022
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
1+N
0.82%
0.06
0.60%0.190.47%
0.070.89%0.09418.61%10.55
901.356030
93.03%
174.5111.980.78%
0.17
352.2435.160.94%
0.040.44%0.03
1.67%1.66%0.330.17
=+
2021
92,383,967,605A72,527,800,60578.51%H19,856,167,00021.49%
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. –––––––––
––––––––– –––––––––
4. –––––––––
––––––––– –––––––––.31,130,628,41835.79–––––31,130,628,41833.70
1. 11,274,461,41812.96–––––11,274,461,41812.21
2. –––––––––
3. 19,856,167,00022.83–––––19,856,167,00021.49
4. –––––––––
86,978,562,200100.00+5,405,405,405–––+5,405,405,40592,383,967,605100.00
2021
2021382021751202135,405,405,405A20201130A5.235.55
3,000,0002,998,592
5.5586,978,562,20092,383,967,6052021326
A86,978,562,20092,383,967,6055,405,405,405.0024,580,510,132.24
20212021
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6.896.97
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55,847,933,782––55,847,933,782A20221212
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200,309197,702A2,607H2022228161,410158,836A2,574H
(%)
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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
(2) A(3)(4)
(5) 10
55,847,933,78220221212–A36
5,405,405,4052026325–A60
201792772.50100
20362,500,0005
54.50%2017928478
(%)4612PSBC 17USDPREF2017927204.50362,500,0007,250,000,0002017928362,500,000
12022228
(%)The Bank of New York Depository(Nominees) Limited
–362,500,000100.00–(1)(2)(3)
20219272021526
3.625
10%3.2625
202120202019(%)(%)(%)
4.52,3244.52,5844.52,501
2021
2237201413
7932
5%
1995104201912171,3763911000000000192465
(%)
10.0847
20.5370
30.0837
40.1846
50.0059
62.5558
70.0278
80.1094
90.0018
100.0004
110.0025
120.0025
130.0556
140.1361
150.1349
A62,163,639,189H80,700,00067.38%
67.38%
(China State Shipbuilding Corporation)1,100191310000MA1FL70B67
(Shanghai International Port (Group) Co., Ltd.)1A4358913100001322075806231.74
200312005620061026
1,620,000,0001.75%
10%10%
10%
A
2021
1,100
XV
(%)(%)A62,163,639,18985.7167.29H80,700,0000.410.09
(2)
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(4)
H2,267,364,00011.422.45(4)
H2,267,364,00011.422.45
H1,296,000,0006.531.40Li Lu(5)
H1,274,411,0006.421.38BNP PARIBAS SA
(6)
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H245,347,4811.240.27
(1) 336
(2) 3,779,910,000H
CSIC Investment One Limited3,778,144,000H1,766,000H
(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%
10%
3%1%
2021
11153
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20214292021
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20216292020
20214292021
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20202020
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2021429629
A
19691120195 20225
20195 202251965820218 20247
2021819621120131 202210
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2021
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20174201731968120205197712020219767202071963112020420211
20202202111967820175202111961112016520221196592016320216
(1)
2018820215202222021220212 20161
20141220205
(1) 2021
2021
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2021
–––––––––53.6722.7376.40 –50.9722.2673.23
–––––––– –––– ––––
––––
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34.80––34.80
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34.80––34.80
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30.00––30.00
30.00––30.00 ––––
–––––––––50.9122.4473.35–50.9122.1173.02–50.9123.1474.05–50.9119.8270.73–48.1517.6765.82–80.0017.8897.88–80.0018.1098.10––––––––––––––––(1)(2)(3)
2021
(4)(5)(6)(7)(8)(9)(10)
20195IT
20218
20131
20061220168
2017520212
2021720212
20215
201712
201710
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201910
19982000201910
201710
201912
2021
20131
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20165
201910
201912
201212
20175
20216
20131
20131
201312016
201732017420191220207
2020
2020120202202112BCBSFSB
2021
2020420207
+
202114
202114
2021142021129
2021129202132920214292021
2021429202132920214292021329202142920212021531
2021632021715
20217
202153120216292020202181
202184202168
202168202168202168
202168202214202214
202114202114
2021142021531202181
20218
2021
2021
13115212021-2023IT
2021202114202120211281720212021329312021202142982021202152612202120215313202120216302021202172632021202182712202120219172202120211020202120211028IT1020212021122314
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1/17/750––3/34/4–– 2/213/131009/9–3/6–––
1/212/1391–––8/8–6/6
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1/212/13918/9–6/6–4/4–
2/213/13100–3/36/6––– 2/213/131009/9–6/6––6/6
2/212/1391–3/34/6–4/4–
––––––––––
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202181
2021715
2021531
202114
2021129
2021
3610312
20219
IT
202112820213292021429202152620218272021917202110202021102820211223
20213
20212022-2024
2021427202152520211026
2021618
20211272021325202142720218252021102720211222
20202021
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2021127202132520214272021524202182620219162021102620211221
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2021
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20211272021326202153120211221
2021
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ESG2021126202132620215212021725202182020211026
2021
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ESG
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3.2915
2021
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20211028ESG
202120202020202020202020202020202020
2021202112820212021202132920202021202142920212021202152620192025202020212021617202120218272021202120219172021202110202021202110282021202112232020
10/1070–––9/1061–4/4–10/1070––5/510/10701/1––
9/1061–4/4–
10/1070–4/45/59/1061––5/5
6/6301/13/33/3
10/10701/1––
4/440–1/12/2
20211223
2021682021617
202214
202168
2021
2020
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A.2.1
C.2.1
2021531202181
2020
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2,9801802021
A2021325A5,405,405,405
20214292021
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202176392,383,967,605
2021
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+
20211231
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A
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2020
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1,6502021
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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
2021629202092,383,967,605
102.085192.62AH202172120217222020A2021852020H20212021
74.17270.8392,383,967,605
102.474228.56AH20212021
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202275H
183171712-1716A2022712H2022810
202120202019
102.4742.0852.102
22,85619,26218,28376,17064,19960,933
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20211231
3,667.68
92,383,967,605A72,527,800,605H19,856,167,000
2021
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“扫一扫”了解邮爱公益
邮爱公益短片《飞吧!少年!》
2021年3月20日邮爱公益日活动
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2021
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5.55
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2,998,592
2021326
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201697
201697
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Σ×
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933.761.29%
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20211231
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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)
7,249,8291.2993,376
1 1.50%
2021
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2021
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202120211231
1310.10
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2021
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2021
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100%
2021
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2021
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20211231
58,596.922,169.00
5,944.07
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515.43
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2021
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2021
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(22)P00658
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20211231
2021
20212020202120201231123112311231 11,189,4581,219,8621,189,4581,219,862 290,78243,68293,07546,130 3280,093248,396287,655256,758 46,05311,1406,05311,140 5265,229259,956265,080259,956 66,237,1995,512,3616,195,0065,480,647
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––10,11510,115 1254,66948,70654,62148,670 1310,66410,36010,2579,848 144,0674,2723,9944,199 1556,31953,21755,59452,559 1644,72026,66143,35026,49212,587,87311,353,26312,554,16111,333,253
20211231
20212020202120201231123112311231
1817,31625,28817,31625,288 19154,80985,912155,51088,132 2042,56530,74315,99013,317 45,1769,6325,1769,632 2134,64325,13434,64325,134 2211,354,07310,358,02911,354,07310,358,029 2319,07115,61518,88815,478 248,72114,6358,41414,233 2581,42657,97481,42657,974 269,6839,2789,2538,747 15
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109,98679,989109,98679,989 29125,486100,906125,497100,917 4312,0542,72512,0042,755 3050,10542,68850,10542,688 31157,367130,071156,771129,688 32198,840180,572195,377178,896794,091671,799789,993669,7811,4581,131––795,549672,930789,993669,78112,587,87311,353,26312,554,16111,333,253
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)
(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)
4,688
4,688
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1,976
1,971
85,86164,72483,41962,92185,49964,60583,41962,921
––
0.78
0.71
20211231
2021
2021202020212020
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3,971–9,501–9,501––7,870–8,364380,040331,100372,679325,6568,6896,1967,4815,8571,463,9521,426,4201,445,7141,414,768(7,956)–(7,956)–(748,532)(754,611)(735,431)(748,343)(34,982)(87,485)(34,955)(87,754)–––(2,491)–(73,224)–(73,224)(45,362)(19,585)(45,361)(19,585)(109,877)–(109,877)–(185,176)(143,571)(185,345)(144,803)(55,830)(49,853)(55,179)(49,340)(32,506)(21,824)(31,157)(20,746)(134,174)(114,495)(127,765)(114,070)(1,354,395)(1,264,648)(1,333,026)(1,260,356)
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
––––10,678––––10,678––––10,678––76,17036287,2105,405–29,99724,580–––––59,9821.
5,405––24,580–––––29,985
2.28
––29,997––––––29,997–––––7,41727,296(59,251)(35)(24,573)
1.30
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––––––27,296(27,296)––3.
–––––––(19,262)(35)(19,297)4.
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––––(1,349)––1,349––2021123192,38447,869109,986125,48612,05450,105157,367198,8401,458795,549
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()
1.
1112312.3.
4.
5.(1)
20211231()
2021
5.
(1)
??
??
5(2)
20211231()
5.
(1)
??
20211231()
2021
5.(2)
???
??
20211231()
5.
(2)
??
20211231()
2021
5.(2)
(3)
???
?
? 12
20211231()
5.
(3)
1212
(4)
(5)
???
20211231()
2021
5.(5)
(6)
??(7)
(8)
?? 14
20211231()
6.
7.
8.
20211231()
2021
9.
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()
1.
?
?
?
?
?
2.
3.
20211231()
2021
4.
(i)(ii)(iii)
1.
25% 3%6%9%13%
1%5%7%
5%
[2018]9120189120201231
2021620231231
2.
[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
1.
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()
3.
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
4.
2021202012311231
4,2925,852
–4,3055,8532,0033,800
6,6069,892
201311201911
5.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
7.
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.
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
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.
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.
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.
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.
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
9.
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%
3.50%
2.75%
3.00%
8.00%
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
AH
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
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
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
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
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
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()
1.
20212020202120201231123112311231
5,3952,8285,3952,805
2.
20212020123112319,781
25,46322,63935,24423,059
20211231
869.0120201231735.363.
20211231
294.0220201231309.16
2021123110.482020123121.50
20211231()
2021
4.
202112311,256.76202012311,186.055.27(1)6.
2021202012311231205,696267,884
20211231()
7.
2021202012311231 1
3,986 11152,421273,806152,623277,79236,15838,65242,85940,22632,20930,383367,441330,260631,290717,313
2021123120201231
20211231()
2021
1.
2021123120201231
307–2,12230
(300)–
(2,142)(29)2.
2021
40.332020
2021
102.942020
50.192021123140.702020123128.71
20212020
20211231()
1.
20211231()
2021
1.
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()
1.
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
1.
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()
1.
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
2.
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()
2.
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
2.
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()
1.
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
–
3.
(1)
燊
(1)
20211231()
4.
4.1
(1)
)
Σ×365)×
1.5%/365
0.2%2.3%
20211231()
2021
4.
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
20212020
1,0101,000
(b)
20212020123112311,029
20211231()
4.
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.
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.
4.1
(7)
2021202012311231
–2,011
4,0151,1394,0153,150
2,0392,934(8)
2021202012311231
(9)
202120201231123127)1,9992,118
20211231()
2021
4.
4.1
(10)
20212020
4.2
2021202012311231
–
20212020
20211231燊
20201231燊
20211231()
4.
4.3
2021202012311231
(1)
1,361(2)–
(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.
4.4
2021202012311231
20212020
5.
20212020
20212020
20211231()
1.
2.
3.
20211231()
2021
3.
3.1
3.2
3.3
3.4
20211231()
3.
3.4
???????
20211231()
2021
3.
3.4
(1)
(2)
20211231()
3.
3.4
(3)
????????
(4)
(PD)(EAD)(LGD)
(PD)12
20211231()
2021
3.
3.4
(4)
(LGD)
(EAD)
(5)
)
20225%-6%
20211231()
3.
3.4
(5)
10%202112315%
(6)
20211231(7)
(8)2021
140.662020147.21(9)
2021123120201231
20211231()
2021
3.
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.
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.
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.
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.
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.
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.
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.
4.1
4.2
(1)
(2)
2021202012311231
(13,773)(4,171)
13,7734,171
20211231()
2021
4.
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.
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.
4.4
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.
4.4
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.
4.4
5%
20212020123112315%2,231
5%(2,231)(661)
5.
5.1
2021
20211231()
5.
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.
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.
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.
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.
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
6.
20211231()
2021
7.
20212020
7.1
???
7.2
20211231()
7.
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.
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.
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)
–(9,632)–(9,632)
20211231()
2021
7.
7.4
(1)(2)
(Black Scholes Model)
20211231()
7.
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.
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.
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
2021
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
AH
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
AH
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%
AH
5.125%
(1)
(2)
H
H
2021
AH
2017324
H
1.2.
1.2.
(1)
(2)
(1)
(2)
(1)(2)
AH
2021
20222021 20223302022 20224302022 20228312022 20221031
A20191210H20169282017928
A72,527,800,60520211231H19,856,167,00020211231
362,500,00020211231
A601658H1658
PSBC 17USDPREF4612
A
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
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