招商银行：招商银行股份有限公司2021年半年度报告

招商銀行 因您而變

2021年半年度報告

股票代碼：

600036招商銀行股份有限公司

2021A

10 3.110 3.218 3.324 3.429 3.534 3.634 3.735 3.836 3.943 3.1056 3.1161 3.1262 3.13

2021A

1.

2. 2021813

1615

3. 2021

4.5.6.7.

2021A

/ /

100%100%

2021A

1.1

1.1.1

China Merchants Bank Co., Ltd.

1.1.2

1.1.3 7088

1.1.4

7088

518040+86 755 8319 8888+86 755 8319 [e-mail]95555-7400 820 5555-7+86 755 8307 7333

1.1.5 831

1.1.6

A600036H039681360028

CMB 17USDPREF04614

1.1.7

22230?8835

1.1.8

1.1.9 A

H

183171712-1716

2021A

1.1.10

(www.cs.com.cn)(www.stcn.com)(www.cnstock.com)(www.sse.com.cn)(www.cmbchina.com)(www.hkex.com.hk)(www.cmbchina.com)

1.2

1987

2002420069

AppApp

1.0

2.03.0

3.0

++

3.0

202120211,000

14320202150016227

2021

20212021

App3

2021A

2.1

20211-620201-6(%)20191-6

168,749148,35313.75138,30176,24263,02820.9764,83676,32362,83821.4664,87361,64850,07823.1050,85861,15049,78822.8250,61260,94149,73322.5450,1746,322254,254-97.51(55,023)

(1)

2.35

1.9719.292.01

2.35

1.9719.292.01

2.34

1.9718.781.99

0.25

10.08-97.52(2.18)

(%)

1.42

1.29

0.13

1.45

(1)

18.06

16.94

1.12

19.47

18.06

16.94

1.12

19.47

18.00

16.92

1.08

19.30

2021A

2021

20201231(%)

20191231

8,885,8868,361,4486.277,417,240

(2)

5,382,9985,029,1287.044,490,650

5,328,4564,975,5137.094,438,375

54,54253,6151.7352,275

(3)

239,692234,6642.14223,0978,124,3187,631,0946.466,799,533

(2)

5,980,1655,628,3366.254,844,422

2,453,1362,306,1346.371,692,068

1,382,4371,289,5567.201,346,033

1,517,7281,400,5208.371,171,221

626,864632,126-0.83635,100754,875723,7504.30611,301

(1)

26.60

25.364.8922.89856,780821,2904.32715,925

636,399610,0924.31550,3395,350,4414,964,5427.774,606,786

(1) 92017

20207

19.75

(2) 2018

2018

(3) 11.10

9(a)

(4) 1

20211-6

(62)

2021A

2.2

(%)20211-620201-620191-6

(1)

2.41

2.420.012.58

(2)

2.49

2.500.012.70

58.87

61.252.3863.20

41.13

38.752.3836.80(3)

27.95

28.220.2727.59

(1) =

(2) =

(3) =

(%)

2021

20201231

20191231

1.01

1.070.061.16(1)

439.46

437.681.78426.78

(2)

4.45

4.670.224.97

20211-620201-620191-6

(3)

0.56

1.550.991.43

(1) =

(2) =

(3) =100%=+

23.2.8

(%)

2021

20201231

20191231

11.89

12.290.4011.95

13.47

13.980.5112.69

16.01

16.540.5315.54

10.46%11.84%13.38%

2021A

2.3

(%)

2021

20201231

20191231

≥25

45.20

42.0651.18

≥25

73.28

57.1068.15

≤10

2.60

3.484.89

15.51

17.5018.34

(1)

(2) =

(3) =

(%)20211-620201-620191-6

0.68

0.960.87

26.26

27.2830.34

38.53

64.6933.65

8.63

12.3210.32

=100%=100%=100%=100%

2.4

20211-62021630

2021A

3.1

2021

1,687.4913.75%611.50

22.82%993.419.32%694.08

20.75%(ROAA)(ROAE)

1.42%18.06%0.131.12

88,858.866.27%53,829.98

7.04%81,243.186.46%59,801.65

6.25%

545.429.271.01%

0.06439.46%1.784.45%0.22

3.2

3.2.1

763.2321.46%19.23%1.08

20211-620201-6

99,34190,8738,46852,25442,2699,98517,15415,2111,943(47,168)(41,860)(5,308)(1,426)(1,304)(122)(41,895)(40,443)(1,452)

–15(2,033)(1,718)(315)

(190)271

76,32362,83813,485(14,675)(12,760)(1,915)61,64850,07811,57061,15049,78811,362

2021A

3.2.2

1,687.4913.75%58.87%

41.13%2.38

3.2.3

1,592.433.62%

1,225.373.52%

20211-6202020201-6

%%%

2,106,13339,9253.822,024,89180,5753.982,023,64241,6874.142,792,90377,5425.602,506,828147,7045.892,399,57172,8246.10352,7475,0702.90291,6607,8252.68288,6703,8652.69

5,251,783122,5374.714,823,379236,1044.894,711,883118,3765.05

202118,845.04491.54

5.26%30,404.54677.774.50%

268.007.17%3.37%15

60.128.31%

1.83%14

2021A

3.2.4

599.024.63%

403.833.66%

20211-6202020201-6

%%%

2,360,01510,5870.901,964,68717,0520.871,834,5177,9310.87

1,448,33518,9822.641,496,59442,7462.861,530,52821,5552.83

3,808,35029,5691.573,461,28159,7981.733,365,04529,4861.76

1,438,9872,4770.351,261,2444,3770.351,201,3832,0910.35

620,8478,3372.71654,05719,0772.92679,70910,3393.06

2,059,83410,8141.061,915,30123,4541.221,881,09212,4301.33

5,868,18440,3831.395,376,58283,2521.555,246,13741,9161.61

89.9421.07%

60.4729.44%

2021A

3.2.5

993.419.32%

20211-6202020201-6

%%%

5,251,783122,5374.714,823,379236,1044.894,711,883118,3765.051,603,73326,8003.371,513,82451,8433.421,427,36625,0083.52535,4563,8941.47490,0927,4751.53488,5213,7441.54

663,0116,0121.83615,31612,0031.95670,5266,5571.97

8,053,983159,2433.997,442,611307,4254.137,298,296153,6854.23

%%%

5,868,18440,3831.395,376,58283,2521.555,246,13741,9161.61

1,080,4188,9941.68941,18215,4811.64889,2747,4291.68389,0496,0473.13453,88514,6523.23525,0468,5703.28304,0294,1872.78282,9768,4132.97302,8864,5833.0414,3702914.0814,5825964.0915,5283144.07

7,656,05059,9021.587,069,207122,3941.736,978,87162,8121.81

99,341185,03190,873

2.41

2.402.42

2.49

2.492.50

3.99%241.58%

232.41%2.49%1

2021A

20211-620201-6

12,269(8,108)4,161

2,878(1,086)1,792331(181)150

(86)(459)(545)

15,392(9,834)5,5584,165(5,698)(1,533)1,571(6)1,565(2,138)(385)(2,523)

3(399)(396)

(24)1(23)

3,577(6,487)(2,910)11,815(3,347)8,468

2021A

20211-320214-6

%%

5,213,56460,8634.735,289,58261,6744.681,592,14013,2993.391,615,19913,5013.35537,1661,9421.47533,7651,9521.47637,6532,8831.83688,0903,1291.82

7,980,52378,9874.018,126,63680,2563.96

%%

5,861,98820,0751.395,874,31220,3081.391,071,4274,4331.681,089,3104,5611.68

346,0652,6923.15431,5613,3553.12308,1822,1172.79299,9222,0702.7714,9781463.9513,7691454.22

7,602,64029,4631.577,708,87430,4391.58

49,52449,817

2.442.38

2.522.46

20212.46%2.38%6

2021A

3.2.6

694.0820.75%

522.5423.62%

158.8217.14%151.73

40.36%

93.960.23%

72.7714.38%

38.525.42%

171.5412.77%111.073.67%

34.2611.96%

6.9618.64

330.0625.74%

47.55%269.3411.99%38.81%

94.6831.88%13.64%

20211-620201-6(%)

56,00545,61122.79

9,3969,418-0.23

7,2776,36214.38

15,17310,81040.36

3,8523,6545.42

15,88213,55817.14

4,4251,809144.61(3,751)(3,342)12.24

52,25442,26923.6217,15415,21112.77

(1,168)

11,10711,530-3.67

1,9251,7897.60

3,4263,06011.96

69,40857,48020.75

2021A

3.2.7

471.6812.68%13.57%

15.19%27.95%0.27

28.25%0.39

20211-620201-6

31,32727,5834,9384,81210,9039,465

47,16841,860

3.2.8

418.953.59%

20211-620201-6

14,45736,2119,0921,1784,419

13,6621,923

41,89540,443

144.57

274.38

2021A

3.3

3.3.1

88,858.866.27%

3.3.1

202163020201231

%%

5,393,07960.695,038,88360.26(1)

(239,049)(2.69)(234,522)(2.80)5,154,03058.004,804,36157.462,185,27224.592,130,88925.48573,8876.46546,4166.53(2)

710,7328.00616,5167.379,9540.119,9540.12(3)

252,0112.84253,3123.04

8,885,886100.008,361,448100.00

(1)

11.109(a)

(2)(3)

3.3.1.1

53,829.987.04%

60.58%0.43

2021A

3.3.1.2

202163020201231

%%

31,6901.4647,2722.24

474,77621.94495,72323.50

176,1828.14177,7608.43

134,5066.22175,3038.31

164,0887.58142,6606.761,069,97849.451,034,26949.02

962,06444.46911,40943.20

139,1726.43148,3867.03

6060.035920.03

(31,864)(1.47)(26,118)(1.24)

558,55025.81510,30724.19

7,0310.337,1390.3421,8961.0114,9220.71

2,163,921100.002,109,632100.00

2021A

48(f)

202163020201231

2,985,9509,402(9,194)3,303,80512,568(12,389)1,384,53919,033(25,510)1,266,67533,166(36,221)179,6793,255(2,611)145,1901,538(1,451)

4,550,16831,690(37,315)4,715,67047,272(50,061)

4,747.76

10,699.78

5,585.50

70.31

2021A

2021

20201231

1,057,733943,029383,116347,814148,574167,553107,373141,080

1,696,7961,599,476

(%)

201612,2433.052026/8/25–20187,6004.732025/4/2–20126,3424.062022/7/9–20135,5304.432023/1/10–20185,4304.982025/1/12–20194,8203.682026/2/26–20144,7805.672024/4/8–20124,6904.292022/9/17–20124,6304.442022/4/23–20164,4903.802036/1/25–

218.9646.74%

3.3.1.3

5.7999.54

2021A

3.3.2

81,243.186.46%

3.3.2

202163020201231

%%

6,018,94574.095,664,13574.22

(1)

1,058,25913.031,009,84613.23304,1163.74331,6224.35

109,9881.35110,4121.45428,7185.28346,1414.54(2)

204,2922.51168,9382.21

8,124,318100.007,631,094100.00

(1)(2)

2021A

59,801.656.25%73.61%

202163020201231

%%

2,453,13641.022,306,13440.98

1,382,43723.121,289,55622.91

3,835,57364.143,595,69063.89

1,517,72825.381,400,52024.88

626,86410.48632,12611.23

2,144,59235.862,032,64636.11

5,980,165100.005,628,336100.00

64.74%4.74

61.97%5.21

69.86%4.01

3.3.3

7,548.754.30%3,988.25

7.71%96.4329.47%

2021A

3.4

3.4.1

202163020201231

%%

5,290,80198.294,934,79798.1237,6550.7040,7160.8116,4430.3114,7600.2922,8400.4222,0000.4415,2590.2816,8550.345,382,998100.005,029,128100.0054,5421.0153,6151.07

545.42

9.271.01%0.06376.55

30.610.70%0.11

3.4.2

202163020201231

%%

(1)

%%

(1)

2,091,93238.8632,9101.572,017,23240.1131,8581.58

750,54513.9420,3522.71744,22014.8022,3333.00

787,80314.648,5111.08702,89213.985,4120.77

214,7993.997310.34212,7864.231,0100.47

(2)

338,7856.293,3160.98357,3347.103,1030.87

(3)

426,0767.92––330,7366.58––2,864,99053.2221,6320.762,681,16053.3121,7570.81

541,02310.052,7880.52475,7289.463,0260.64

1,330,03624.713,3230.251,274,81525.353,7590.29

796,98514.8112,5861.58746,68714.8512,4241.66

(4)

196,9463.652,9351.49183,9303.652,5481.39

5,382,998100.0054,5421.015,029,128100.0053,6151.07

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

2021A

28,649.90

6.86%216.321.250.76%0.05

125.861.621.58%

0.08

20,919.323.70%14.64%

0.66329.1010.521.57%

0.01

3.4.3

202163020201231

%%

(1)

%%

(1)

2,091,93238.8632,9101.572,017,23240.1131,8581.58

427,5597.943,2690.76412,4248.203,4890.85

404,4647.514,3281.07390,7927.771,1900.30

294,4545.479,0793.08283,1355.6310,0573.55

177,9693.318790.49170,4133.398420.49

169,0623.146,0273.56155,0283.086,2274.02

144,9662.695,7353.96149,7752.986,3614.25

108,6532.02900.08114,2942.272390.21

117,4352.186810.58103,6192.068900.86

71,9881.347150.9964,1351.288241.28

67,2281.252420.3655,2941.101450.26

35,3050.661,0502.9740,6760.817831.92

(2)

72,8491.358151.1277,6471.548111.04426,0767.92––330,7366.58––2,864,99053.2221,6320.762,681,16053.3121,7570.81

5,382,998100.0054,5421.015,029,128100.0053,6151.07

(1)(2)

2021A

3.4.4

202163020201231

%%

(1)

%%

(1)

(2)

894,58316.6217,7351.98858,19717.0617,3252.021,146,54721.306,6890.581,037,68320.637,6340.74686,66312.767,8361.14633,00812.596,9421.10937,62917.416,5290.70882,72617.566,5550.74180,9753.363,5621.97166,6323.313,7722.26542,00910.075,8431.08510,53710.154,2470.83561,83910.443,9350.70512,10310.184,6400.91107,2231.993900.36129,0202.573420.27325,5306.052,0230.62299,2225.952,1580.72

5,382,998100.0054,5421.015,029,128100.0053,6151.07

(1)(2)

0.25

3.4.5

202163020201231

%%%%

1,864,39534.6218,9451.021,758,50234.9718,7251.06738,33013.7217,8352.42696,63413.8516,2012.332,026,60837.6512,9210.641,914,65838.0713,5440.71327,5896.094,8411.48328,5986.535,1451.57426,0767.92––330,7366.58––

5,382,998100.0054,5421.015,029,128100.0053,6151.07

4.95%5.99%

6.02%0.09

2021A

3.4.6

2021

%%

A19,9592.330.37B18,1182.110.34C14,1501.650.26D12,0001.400.22E10,3051.200.19F10,0001.170.19G9,1361.070.17H8,9251.040.17I8,7521.020.16J8,4180.990.15

119,76313.982.22

199.592.33%1,197.6313.98%

14.71%2.22%

3.4.7

202163020201231

%%

13,4090.2515,5840.31

19,5470.3620,1120.40

16,7470.3115,4730.31

5,1390.105,3990.1054,8421.0256,5681.125,382,998100.005,029,128100.00

548.4217.261.02%

0.1030.45%26.66%42.89%

901.32

2021A

3.4.8

202163020201231

%%

20,7970.3924,8780.49

13,8580.2615,1690.30

0.39%0.10

3.4.9

6.670.875.80

19.52

3.4.10

20211-62020

234,664223,09714,45746,882(141)(186)5,4858,781(14,789)(43,734)

(176)

239,692234,664

2,396.92

50.28439.46%1.784.45%0.22

2021A

3.5

3.5.1

8%6%5%

2.5%0%0%

10.5%8.5%7.5%

3.5.2

10%

10%

2021A

3.5.3

11.89%13.47%

16.01%0.400.510.533.9

2021

20201231(%)

(1)

636,399610,0924.31720,453694,1843.78856,780821,2904.324,588,6604,298,8886.74

4,024,9883,731,6037.86

71,98275,595-4.78

491,690491,690–5,350,4414,964,5427.77

11.89%

12.29%0.40

13.47%

13.98%0.51

16.01%

16.54%0.53

(2)

10,076,5539,395,0267.25

7.15%

7.39%0.24

(1) 201267

95%90%80%2021

(2) 201521220212020

20207.40%7.39%7.26%

2021A

11.40%13.07%

15.73%0.410.550.56

2021

20201231(%)

555,611532,2094.40636,846613,4443.81766,194734,0224.384,102,2943,848,9276.58

3,592,7833,336,2347.69

59,35362,535-5.09

450,158450,158–4,872,3284,505,2998.15

11.40%

11.81%0.41

13.07%

13.62%0.55

15.73%

16.29%0.56

10.46%11.84%

13.38%0.220.320.41

2021

20201231(%)

636,399610,0924.31720,453694,1843.78814,179787,4383.406,086,1695,710,5446.58

10.46%

10.68%0.22

11.84%

12.16%0.32

13.38%

13.79%0.41

201267

2021A

9.91%11.35%

12.90%0.210.320.41

2021

20201231(%)

555,611532,2094.40636,846613,4443.81723,592700,1713.355,609,0115,258,6946.66

9.91%

10.12%0.21

11.35%

11.67%0.32

12.90%

13.31%0.41

3.5.4

2021630

1,555,6161,555,6162,046,1042,046,1043,652,6843,652,684

1,323,0131,323,013

1,747,6091,747,609

582,062582,062

2,998,2843,438,889

144,012148,72412,33713,974

27.95349.40

2021630

15,179–

167–

2021A

2021630

137,648115,826675,017–

55,8338,95896,914–2,081–––

3.5.5

719.8257.59

37.9319.66

25099%10

2021630

594537

823677

370361

521493

3.5.6

393.354,916.90

2021A

3.6

20211-620201-6

40,58090,21333,87878,77931,97969,89626,26862,9363,7648,6402,6926,638

76,323168,74962,838148,353

405.8019.78%53.17%

902.1314.51%53.46%

28.77%0.48

3.7

3.7.1

21,372.0946

3.7.2

3.7.3

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2002

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2015

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747.86388.78

2016

20211,075.37731.57

2021A

201720211,404.87216.85

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3.11.8

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2021A

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2021A

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2021A

单位：人民币百万元

2021

20201231

11,85213,0883,6027,970

558,433525,358

123,451103,335

253,003226,919

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304,116331,622

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21,8878,229

428,718346,141

1,2281,073118,305104,455

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2021A

2021

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25,22025,22084,05484,05431(a)34,06534,065 31(b)49,98949,98967,52367,523

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2021A

单位：人民币百万元

2021

20201231

11,47712,5473,5227,873

542,099508,385

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21,8528,201

372,854291,24697,46586,218

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2021A

2021

20201231

25,22025,22084,05484,05431(a)34,06534,065 31(b)49,98949,98976,68176,681

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8,338,4557,866,136

2021A

单位：人民币百万元

630620212020

159,243153,685

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99,34190,873

56,00545,611(3,751)(3,342)

52,25442,269

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168,749148,353

(1,426)(1,304)

(47,168)(41,860)

(41,895)(40,443)

–

(2,033)(1,718)

(92,507)(85,325)

76,24263,028

(103)(310)

76,32362,838

(14,675)(12,760)

61,64850,078

61,15049,788

2.35

1.97

2021A

630620212020

61,64850,078

(210)(142)

3,478

(50)

(142)

(744)

1,045

(46)

3,5001,791

3,5511,705

(51)

65,14851,869

64,70151,493

2021A

单位：人民币百万元

630620212020

153,115146,648

(56,697)(58,711)

96,41887,937

50,64542,877(4,369)(5,111)

46,27637,766

1,001(1,984)

9,32711,575

–

(147)1,8641,528

12,55311,376

155,247137,079(1,354)(1,229)

(43,854)(39,256)

(41,952)(40,133)

–

(39)(40)

(87,184)(80,658)

68,06356,421

(102)(304)

68,10056,177

(12,917)(11,375)

55,18344,802

2021A

630620212020

55,18344,802

(95)

3,467

––

(145)

(87)

1,039

4,1791,367

59,36246,169

2021A

单位：人民币百万元

630620212020

351,829595,628

–22,634

44,32667,840

4,77099,422

15,37221,848

187,340173,522

13,2795,006

616,916985,900

(364,614)(455,590)

(19,230)–

(56,290)(54,072)

(29,751)(53,967)

(19,751)(42,727)

(52,798)(53,080)

(26,594)(22,364)

(30,839)(29,046)

(10,727)(20,800)

(610,594)(731,646)

49(a)6,322254,254

584,181471,464

34,62533,571

619,356505,924

(644,655)(676,213)

(4,935)(157)

(11,686)(8,898)

(661,276)(685,268)

(41,920)(179,344)

2021A

630620212020

16,49215,250

43,9941,183

187,38579,711

6,4962,374

254,36798,518

(18,958)(15,258)

(10,830)(27,948)

(140,240)(221,393)

(114)(123)

(244)–

(2,460)(2,022)

(3,195)(6,620)

(126)(1)

(176,167)(273,365)

78,200(174,847)(1,627)1,311

49(c)40,975(98,626)

552,790589,675

49(b)593,765491,049

2021A

单位：人民币百万元

6306

20212020

333,821564,516

49,01861,901

–80,128

–22,680

4,991

176,601163,760

14,1279,046

578,558902,460

(338,923)(424,083)

(19,091)–

(10,609)(33,513)

(47,921)(51,451)

(29,751)(53,520)

(14,922)–

(51,131)(51,541)

(23,783)(20,288)

(28,536)(27,135)

(10,110)(20,601)

(574,777)(682,132)

49(a)3,781220,328

525,339452,513

31,92233,613

557,359486,167

(575,784)(655,570)

(2,876)(2,792)

(4,521)–

(583,181)(658,362)

(25,822)(172,195)

2021A

6306

20212020

29,996–

12,5277,726

187,38579,711

229,90887,437

(10,339)(12,223)

(3,231)(23,616)

(139,527)(221,393)

(2,362)(1,854)

(3,005)(5,607)

(158,464)(264,693)

71,444(177,256)(1,691)1,141

49(c)47,712(127,982)

507,729543,567

49(b)555,441415,585

2021A

单位：人民币百万元

20216306

20211125,22034,06549,98967,5237,44871,15898,082370,26531,601723,7502,8513,753730,354

––––2,195–37028,560(31,601)31,125141(52)31,214

–––––––61,150–61,15038411461,648

––––3,551––––3,5511(52)3,500––––3,551––61,150–64,7013856265,148––––––370(33,946)(31,601)(33,576)(244)(114)(33,934)1.––––––370(370)––––– 2. 202033–––––––(31,601)(31,601)(31,601)(244)–(31,845)3.–––––––(1,975)–(1,975)––(1,975) 4. 52(a)–––––––––––(114)(114)––––(1,356)––1,356–––––

202163025,22034,06549,98967,5239,64371,15898,452398,825–754,8752,9923,701761,568

20206306

20201125,22034,06567,52310,44162,29190,151321,61030,264611,3012,4273,979617,707

–––1,692–(696)20,233(30,264)21,22948121,314

––––––49,788–49,78816712350,07832–––1,705––––1,7055811,791

–––1,705––49,788–51,49317220451,869

–––––(696)(29,568)(30,264)(30,264)(168)(123)(30,555) 1. –––––275(275)––––– 2. –––––(971)971––––– 3. 201933––––––(30,264)(30,264)(30,264)(168)–(30,432) 4. 52(a)––––––––––(123)(123)

–––(13)––13–––––

202063025,22034,06567,52312,13362,29189,455341,843–632,5302,4314,060639,021

20206306971

2021A

单位：人民币百万元

20216306

20211125,22034,06549,98976,6818,15371,15894,067325,12431,601684,457

––––2,823––22,963(31,601)25,786

–––––––55,183–55,183

––––4,179––––4,179––––4,179––55,183–59,362–––––––(33,576)(31,601)(33,576) 1. 202033–––––––(31,601)(31,601)(31,601)2.–––––––(1,975)–(1,975)––––(1,356)––1,356––

202163025,22034,06549,98976,68110,97671,15894,067348,087–710,243

20206306

20201125,22034,06576,6818,85662,29185,820285,41930,264578,352

–––1,327––14,578(30,264)15,905

––––––44,802–44,80232–––1,367––––1,367

–––1,367––44,802–46,169

––––––(30,264)(30,264)(30,264) 1. 201933––––––(30,264)(30,264)(30,264)

–––(40)––40––

202063025,22034,06576,68110,18362,29185,820299,997–594,257

2021A

第八章 财务报告财务报告附注

截至2021年6月30日止6个月期间（除特别注明外，货币单位均以人民币百万元列示）1.

A200249H2006922

202163051

2.

152014

3.

(a)

20216302021

(b)

20202020

(c)

2020

20216302021630151151

41,8953.59%48(a)

2021A

4.

(a)

20193920194116%13%10%9%

6%16%13%10%9%(b)

1%~7%(c)

3%~5%

(d)

(i) 202125%2020630625%)

(ii)

5.

2021

20201231

2021

20201231

499,816495,630499,095495,048

38,26724,40822,6558,01720,1245,08020,1245,080

558,433525,358542,099508,385

1 2021630

9%7%202012319%5%)

2021A

6.

2021

20201231

2021

20201231

(a)124,025103,44891,90773,460(a)(b)(632)(277)(592)(252)

123,393103,17191,31573,208

123,451103,33591,33673,318

(a)

2021

20201231

2021

20201231

75,31955,11759,20838,736

11,4961,69411,3811,658

86,81556,81170,58940,394

35,55645,94219,91432,526

1,654

1,404

37,21046,63721,31833,066124,025103,44891,90773,460

(483)(265)(452)(247)

(149)(12)(140)(5)

(632)(277)(592)(252)

123,393103,17191,31573,208

(b)

2021202020212020

(93)

(102)(9)(2)(1)–

6301231

2021A

7.

2021

20201231

2021

20201231

(a)254,233226,516245,984216,744(a)(c)(2,436)(376)(2,491)(341)

251,797226,140243,493216,4031,206

1,233

253,003226,919244,726217,325

(a)

2021

20201231

2021

20201231

23,39727,63711,75620,051

105,057108,914120,903125,636

128,454136,551132,659145,687

125,05289,965107,43065,825

–5,8955,232

125,77989,965113,32571,057254,233226,516245,984216,744

(659)(145)(649)(145)

(1,777)(231)(1,842)(196)

(2,436)(376)(2,491)(341)

251,797226,140243,493216,403

(b)

2021

20201231

2021

20201231

1124,79796,002111,51285,698 11124,829125,969130,593124,990 12,1714,1691,3885,715

251,797226,140243,493216,403

2021A

7.(c)

2021202020212020

2,055

2,151

(15)(1)(7)

63012312,436

2,491

8.

2021

20201231

2021

20201231

(a)336,881286,879335,906282,867(a)(d)(2,743)(743)(2,742)(743)

334,138286,136333,164282,124

334,278286,262333,290282,240

(a)

2021

20201231

2021

20201231

41,68329,22741,28025,712

294,628257,155294,626257,155

336,311286,382335,906282,867

––

––336,881286,879335,906282,867

(122)(185)(122)(185)

(2,621)(558)(2,620)(558)

(2,743)(743)(2,742)(743)

334,138286,136333,164282,124

2021A

8.

(b)

2021

20201231

2021

20201231

1333,990279,446333,164275,434 11

6,690–6,690

334,138286,136333,164282,124

(c)

2021

20201231

2021

20201231

317,578278,817316,604274,80516,5607,31916,5607,319

334,138286,136333,164282,124

(d)

2021202020212020

2,000

1,999

––––

63012312,743

2,742

2021A

9.(a)

2021

20201231

2021

20201231

(i)4,907,9434,647,1404,590,1404,352,1129,7589,5288,2618,260

4,917,7014,656,6684,598,4014,360,372(i)(238,582)(234,426)(232,141)(227,979)

(467)(96)(395)(27)

(239,049)(234,522)(232,536)(228,006)4,678,6524,422,1464,365,8654,132,366 (ii)468,424375,359461,934371,772 (iii)6,9546,8566,6826,726

5,154,0304,804,3614,834,4814,510,864

(i)

2021

20201231

2021

20201231

2,042,8461,965,9801,767,5081,708,1592,864,9902,681,1602,822,5252,643,953

–

–

4,907,9434,647,1404,590,1404,352,112

12(158,802)(159,918)(155,060)(156,182)

-(33,102)(27,401)(32,078)(26,199)

-(46,678)(47,107)(45,003)(45,598)

(238,582)(234,426)(232,141)(227,979)

4,669,3614,412,7144,357,9994,124,133

2021A

9.

(a)(ii)

2021

20201231

2021

20201231

42,45544,62342,24444,293

379,590274,347373,311271,090

46,37956,38946,37956,389

425,969330,736419,690327,479

468,424375,359461,934371,772

12(988)(226)(981)(225)

-(122)(12)(122)(12)

-––––

(1,110)(238)(1,103)(237)

(iii)

2021

20201231

2021

20201231

6,9546,8566,6826,726

6,9546,8566,6826,726

2021A

9.(b)(i)

202163020201231

%%

427,55920412,42420404,46419390,79219294,45414283,13514177,9699170,4138169,0628155,0288144,9668149,7758117,4356103,6195108,6535114,294671,988364,135367,228355,294335,305240,676272,849377,6474

2,091,9321002,017,232100426,076100330,7361001,330,036471,274,81548796,98528746,68728541,02319475,72818196,9466183,9306

2,864,9901002,681,160100

5,382,9981005,029,128100

2021A

9.(b)(i)

202163020201231

%%

354,03119342,32019346,23519334,71119285,22316274,68016152,4838145,1148138,4708144,0688133,3387130,3057115,1316100,810671,089477,857465,638458,121356,271346,317332,626234,690265,576469,9585

1,816,1111001,758,951100419,797100327,4791001,319,570471,264,38848796,87028746,55928539,42019474,52818166,6656158,4786

2,822,5251002,643,953100

5,058,4331004,730,383100

2021A

9.(b)(ii)

202163020201231

%%

894,58317858,197171,146,547211,037,68321686,66313633,00813937,62918882,72617180,9753166,6323542,00910510,53710561,83910512,10310107,2232129,0203325,5306299,2226

5,382,9981005,029,128100

202163020201231

%%

894,63716858,251171,146,547231,037,68322686,66314633,00813937,62919882,72619180,9744166,6324542,00911510,53711561,83911512,10311108,1352129,4433

5,058,4331004,730,383100

2021A

9.

(b)(iii)

2021

20201231

2021

20201231

1,864,3951,758,5021,745,5351,658,817738,330696,634649,429602,0132,026,6081,914,6581,994,7631,883,000327,589328,598248,909259,074

4,956,9224,698,3924,638,6364,402,904

426,076330,736419,797327,479

5,382,9985,029,1285,058,4334,730,383

(iv)

2021630

9,43810,6032,51696223,5191,3965,1606,1961,87114,6232,1603,6923,9721,81611,640

415924,0634905,060

13,40919,54716,7475,13954,842

20201231

11,35011,7531,53868825,3297373,9826,1652,26813,1523,1163,9014,0331,88312,933

3814763,7375605,154

15,58420,11215,4735,39956,568

2021A

9.(b)(iv)

2021630

9,29810,3272,49391923,0371,3945,1296,1961,87114,5901,9163,3423,9661,79511,01954923,8734904,509

12,66218,89016,5285,07553,155

20201231

10,67011,5061,48768224,3456643,9816,0522,26912,9662,8103,8504,0271,86012,5472242783,7385604,800

14,36819,61515,3045,37154,658

2021

20201231

2021

20201231

1,6092,3081,3672,003

1,8772,4851,3702,023

2021A

9.(b)(v)

2021630

--

4,739,710113,69154,5424,907,943

(158,802)(33,102)(46,678)(238,582)

4,580,90880,5897,8644,669,361

467,648776–468,424

(988)(122)–(1,110)

20201231

--

4,517,23976,28653,6154,647,140 (159,918)(27,401)(47,107)(234,426)

4,357,32148,8856,5084,412,714

374,800559–375,359 (226)(12)–(238)

2021A

9.(b)(v)

2021630

--

4,441,53696,08552,5194,590,140

(155,060)(32,078)(45,003)(232,141)

4,286,47664,0077,5164,357,999

461,158776–461,934

(981)(122)–(1,103)

20201231

--

4,240,76359,89251,4574,352,112 (156,182)(26,199)(45,598)(227,979)

4,084,58133,6935,8594,124,133

371,213559–371,772 (225)(12)–(237)

2021A

9.(c)

2021

--

159,91827,40147,107234,426

1,347(1,345)(2)–

(1,729)2,132(403)–

(285)(5,075)5,360–

(470)9,9904,06613,586

––(14,789)(14,789)––(141)(141)––5,4855,48521(1)(5)15

158,80233,10246,678238,582

2020

--

11138,80337,64446,309222,756 2,636(2,571)(65)– (552)1,398(846)– (565)(10,698)11,263–

19,6961,65225,63546,983

––(43,734)(43,734)––(186)(186)––8,7818,781

(100)(24)(50)(174)

1231159,91827,40147,107234,426

2021A

9.(c)

2021

--

156,18226,19945,598227,979

1,322(1,320)(2)–

(1,618)2,021(403)–

(285)(5,053)5,338–

(571)10,2293,89913,557––(14,779)(14,779)––(139)(139)––5,4845,48430 2739

155,06032,07845,003232,141

2020

--

11135,86035,97144,772216,603 2,453(2,388)(65)– (445)1,174(729)– (557)(10,204)10,761–

18,8791,64825,59846,125

––(43,299)(43,299)––(186)(186)––8,7498,749

(8)(2)(3)(13)

1231156,18226,19945,598227,979

2021A

9.(c)

2021202020212020

(101)

(103)

(2)––

63012311,110

1,103

10.

2021

20201231

2021

20201231

(a)444,776464,466416,374450,842 (b)30,00031,257

1,136

474,776495,723417,008451,978

2021A

10.(a)

2021

20201231

2021

20201231

45,68632,25445,68531,258

24,1654,845

18,96622,63611,52114,614

41,26471,3958,90731,309

130,081131,13066,13477,262

110,318110,56151,11261,135

19,30120,36114,77416,127

–

130,081131,13066,13477,262

––

3,0092,971––

––

3,5954,084

––

3,2463,913––

3,5954,084

133,676135,21466,33777,358

9,2468,7069,1768,948

6,8556,6676,8556,667

16,10115,37316,03115,615

14,55514,24414,55714,244

1,108

1,108

16,10115,37316,03115,615

2021A

10.(a)

2021

20201231

2021

20201231

134,506175,303134,506175,303

4,0303,354

153,403133,861197,572182,217

1,846

1,846

1,2141,063––

294,999313,879334,006357,869

––

––

294,041313,075334,006357,869

294,999313,879334,006357,869

311,100329,252350,037373,484

444,776464,466416,374450,842

2021A

10.

(b)

2021

20201231

2021

20201231

––

19,13818,431

9,69310,567

1,1282,218

30,00031,257

1,136

28,26528,533––

1,7352,710

1,136

–

––

30,00031,257

1,136

11.

2021

20201231

2021

20201231

(a)(b)1,101,8421,060,3871,100,0331,057,95014,33215,09914,32715,085

1,116,1741,075,4861,114,3601,073,035 (a)(b)(c)(31,864)(26,118)(31,661)(25,907)(96)(88)(96)(88)

(31,960)(26,206)(31,757)(25,995)1,084,2141,049,2801,082,6031,047,040

2021A

11.(a)

2021

20201231

2021

20201231

677,537623,727677,537623,155

253,562252,996253,562252,825

25,17428,15725,02327,912

5,7916,5294,2935,080

962,064911,409960,415908,972

956,271906,053956,184905,159

2,5062,0641,7991,375

3,2873,2922,4322,438

962,064911,409960,415908,972

971,317916,422970,647914,964

–12,725–12,725

126,082123,681125,922123,681

7,7006,4007,7006,400

5,3905,5805,3905,580

139,778148,978139,618148,978

139,778148,978139,618148,978

1,101,8421,060,3871,100,0331,057,950

12(18,302)(11,832)(18,226)(11,759)

-(354)(326)(353)(326)

-(13,208)(13,960)(13,082)(13,822)

1,069,9781,034,2691,068,3721,032,043

2021A

11.(b)

2021630

--

1,087,2001,22813,4141,101,842

(18,302)(354)(13,208)(31,864)

1,068,8988742061,069,978

20201231

--

1,044,82697114,5901,060,387

(11,832)(326)(13,960)(26,118)

1,032,9946456301,034,269

2021630

--

1,085,5561,18913,2881,100,033

(18,226)(353)(13,082)(31,661)

1,067,3308362061,068,372

20201231

--

1,042,53497114,4451,057,950

(11,759)(326)(13,822)(25,907)

1,030,7756456231,032,043

2021A

11.(c)

2021

--

11,83232613,96026,118

––––

––––

––––

6,47128(1,147)5,352––397397

(1)–(2)(3)

18,30235413,20831,864

2020

--

119,1792834,53313,995 –––– –––– (204)–204–

2,8584310,97413,875

––(1,822)(1,822)––8080

(1)–(9)(10)

123111,83232613,96026,118

2021A

11.(c)

2021

--

11,75932613,82225,907

––––

––––

––––

6,46827(1,137)5,358––397397

(1)––(1)

18,22635313,08231,661

2020

--

119,1782834,38513,846 –––– –––– (204)–204–

2,7844310,97513,802––(1,822)(1,822)––8080

––1

123111,75932613,82225,907

2021A

12.

2021

20201231

2021

20201231

(a)558,550510,307486,469443,6157,1156,2466,6565,813

565,665516,553493,125449,428

(b)(7,745)(4,014)(7,055)(3,337)(53)(25)(53)(25)

(7,798)(4,039)(7,108)(3,362)

(a)

2021

20201231

2021

20201231

334,469287,007314,122265,036

86,25171,54259,48854,098

85,49597,48768,71578,721

52,33554,27144,14445,760

558,550510,307486,469443,615

456,211400,456430,587386,835

63,79564,19143,74143,558

38,54445,66012,14113,222

558,550510,307486,469443,615

2021A

12.(b)

2021202020212020

4,0142,6003,3371,9243,7401,4923,7181,453(9)(78)–(40)

63012317,7454,0147,0553,337

13.

2021

20201231

2021

20201231

6,0806,2405,4825,794

7,0317,1396,4336,693

2,3332,0232,0241,847

4,6385,0644,3494,794

7,0317,1396,4336,693

20216306

2,21720204331,356202026

2021A

14.

2021

20201231

2021

20201231

(a)––51,26351,263(b)13,77812,4038,1777,630(c)8,1182,5195,109–

21,89614,92264,54958,893––(1,768)(1,768)

21,89614,92262,78157,125

(a)

2021

20201231

32,08232,082

6,0006,000

1,4871,487

3,4883,488

5,0005,000

2,8202,820

51,26351,263(1,768)(1,768)

49,49549,495

2019122626020202271,000

2021A

14.

(a)

2021630

(i)4,129100% (ii)6,000100% (iii)1,161100% (iv)1,31055% (v)5,000100%(vi) (vii)50100% (viii)500(viii)(i)

[1998]40520147501,00020157284002016120(ii) [2008]11020084

20142,0006,000(iii) 200893053.12%

20091152009116(iv) 201263,567,567.57ING Asset Management

B.V.21.6%201333.4%55.0%

201311282017126054951,310(v) [2019]981

2019111(vi) 202178(vii) [2016]460201911

(ECB)(viii) [2020]70820201018

87.3458%12.6542%

2021A

14.

(b)

2021

1,1032,6001,2104,913

2021114,7565,5122,13512,403

3057464791,530

(125)–(4)(129)

––(26)(26)

20216304,9366,2582,58413,778

2020

1,1032,6001,2104,913

2020113,8314,6801,81310,324 ––1010 (218)––(218) 1,2688327482,848 (125)–(23)(148) ––(447)(447) ––3434

202012314,7565,5122,13512,403

2021A

14.

(b)

(i)2,800,00050%50%–(ii)3,868,96450%24.15%25.85%(i) 50.00%(ii) 2015

3350%201712

6002,85915%

35%50%2018121,000

24.15%25.85%

(i)

2021630

92,94582,63510,31014,950907(276)63110007311246,25441,3184,9367,475443(138)3055003756

20201231

75,19665,2599,93723,6081,6389122,5504375629937,38632,6304,75611,8048124561,26821928150

2021A

14.(b)(ii)

2021630

129,843117,32612,5177,3901,5421,5422,60421272

64,92158,6636,2583,6957467461,30211136

20201231

108,88197,85811,02312,8161,6631,6632,44744501

54,44148,9295,5126,4088328321,22422251

(iii)

20216306

3,008(1)3,007

479–479

2020

4,349–4,349748–748

2021A

14.

(c)

2021

5,3242,0057,329

–2,5192,5195,3244145,738

85428513

(300)(1)(301)

–(261)(261)

–(90)(90)

5,1093,0098,118

2020

1,850

1,450 314 496 (5) (135) (61)

12312,519

2021A

14.(c)

1,800,00024.8559%24.8559%

10%20215313,121

14.8559%24.8559%

2021630

297,556273,10824,4485,3872,4052,4716,260230699

72,99267,8835,10924392851,556629

20216306

28,017(6)28,011

4253428

2020

36,5572536,582

4897496

2021A

15.

2021202020212020

3,2763,5581,7191,828–(173)–(109)(28)(109)––

63012313,2483,2761,7191,7191,6531,633

–(72)–(42)(19)(74)––

63012311,7111,653

63012311,5371,6231,0181,057

1,6231,9251,0571,203

(a) 20216302020(b)

202163020201231

1,2191,614

2021A

16.

20211128,2793,10715,1493,75448,1246,299104,712

70669474129,96221211,3991(1)5––(5)–

(14)–(278)(4)(297)(528)(1,121)

(40)–(16)(4)(518)(1)(579)

202163028,2963,77515,3343,75857,2715,977114,41120211111,750–11,4891,5426,7294,81336,323

645–1,037911,7712673,811––3––(3)–

(2)–(244)(2)(139)(472)(859)

(21)–(11)(3)(81)–(116)

202163012,372–12,2741,6288,2804,60539,159202111––––236–236–––––––

2021630––––236–236202163015,9243,7753,0602,13048,7551,37275,016

20211116,5293,1073,6602,21241,1591,48668,153

20201127,3562,96413,7503,31543,3096,35197,045

2901,0032,07829510,47577714,918841(860)25172–(5)173

(33)–(641)(12)(2,613)(821)(4,120)

(175)–(63)(16)(3,047)(3)(3,304)

2020123128,2793,10715,1493,75448,1246,299104,71220201110,512–10,1631,3854,5235,10031,683

1,270–1,9481723,1094436,942

72–23––(23)72

(13)–(609)(5)(479)(704)(1,810)

(91)–(36)(10)(424)(3)(564)

2020123111,750–11,4891,5426,7294,81336,323202011––––93–93

––––153–153––––(10)–(10)

20201231––––236–2362020123116,5293,1073,6602,21241,1591,48668,153

20201116,8442,9643,5871,93038,6931,25165,269

2021A

16.

20211125,1063,07313,9043,4606,14451,687

6466740352021,341––5–(5)–

(14)–(260)(2)(521)(797)––––(1)(1)

202163025,1563,74014,0523,4635,81952,2302021119,880–10,6901,3594,71926,648565–969802611,875––3–(3)–

(2)–(227)–(476)(705)––––––

202163010,443–11,4351,4394,50127,818202163014,7133,7402,6172,0241,31824,412

20211115,2263,0733,2142,1011,42525,039

20201124,0722,94112,6313,0736,20348,920

2909921,8832267544,145777(860)25172(5)109

(32)–(633)(11)(806)(1,482)

(1)–(2)–(2)(5)

2020123125,1063,07313,9043,4606,14451,6872020118,739–9,4631,2185,02124,441

1,112–1,8081454303,495

42–23–(23)42

(12)–(602)(4)(707)(1,325)

(1)–(2)–(2)(5)

202012319,880–10,6901,3594,71926,6482020123115,2263,0733,2142,1011,42525,039

20201115,3332,9413,1681,8551,18224,479

2021A

16.

(a) 202163020201231(b)

202163020201231

7,0295,851

6,5645,316

5,6024,883

4,7114,303

4,1993,916

12,85713,550

40,96237,819

2021A

17.

20211121,12241621,142

1,5624–1,566

(931)(1)–(932)

202163021,75371621,7762021116,978266,986

2,067122,070

(736)(1)–(737)

20216308,309288,319202163013,4445813,457

20211114,14421014,156

20201118,60231818,623

3,888423,894(1,368)(3)(4)(1,375)

2020123121,12241621,1422020113,755153,761

4,228234,233(1,005)(1)(2)(1,008)

202012316,978266,9862020123114,14421014,156

20201114,84721314,862

2021A

17.

20211120,0622320,0671,505––1,505

(856)(1)–(857)

202163020,7111320,7152021116,629116,631

1,952111,954

(686)(1)–(687)

20216307,895127,898202163012,816–112,817

20211113,4331213,436

20201117,7052217,709

3,390223,394(1,033)(2)(1)(1,036)

2020123120,0622320,0672020113,571113,573

3,992113,994

(934)(1)(1)(936)

202012316,629116,6312020123113,4331213,436

20201114,1341114,136

2021630

2021A

18.

2021115,9579,5761,11816,651–118–118

(2)(4)(15)(21)

20216305,9559,6901,10316,7482021111,0095,4424896,9409256319674–(2)(7)(9)

20216301,1016,0035017,60520216304,8543,6876029,143

2021114,9484,1346299,711

2020115,9688,1611,18615,315

–1,419–1,419

(11)(4)(68)(83)

202012315,9579,5761,11816,6512020118304,2944785,602

1831,148401,371

(4)–(29)(33)

202012311,0095,4424896,940202012314,9484,1346299,711

2020115,1383,8677089,713

2021A

18.

2021115,7309,27115,001

–7878–(2)(2)

20216305,7309,34715,0772021119665,3106,276

89539628–(2)(2)

20216301,0555,8476,90220216304,6753,5008,175

2021114,7643,9618,725

2020115,7307,95313,683

–1,3271,327–(9)(9)

202012315,7309,27115,0012020117884,2014,989

1781,1121,290

–(3)(3)

202012319665,3106,276202012314,7643,9618,725

2020114,9423,7528,694

2021A

19.

(i)10,177––10,177(579)9,598(ii)355––355–355(iii)1––1–1

10,533––10,533(579)9,954

(i) 200893053.12%12,898

6,85110,17714(a)(ii) 2013112855.00%752

41476935514(a)(iii) 201541100%

20.

2021

20201231

2021

20201231

79,86672,89378,03371,043(1,228)(1,073)––

78,63871,82078,03371,043

2021A

20.(a)

202163020201231

277,78969,264245,22161,340

(7,279)(1,823)(6,673)(1,406)

2,2195566,3091,577

40,49310,08837,5929,363

7,1371,7818,6652,019

320,35979,866291,11472,893

36961––

(77)(12)

(133)(24)

(7,546)(1,253)(6,677)(1,077)

(7,387)(1,228)(6,659)(1,073)

202163020201231

272,62168,156240,54260,136

(7,277)(1,821)(6,016)(1,504)

2,3645916,4551,613

39,7589,94036,7649,191

4,6651,1676,4251,607

312,13178,033284,17071,043

2021A

20.

(b)

20211161,340(1,404)1,5799,36394271,820

8,0181,152(1,047)725(448)8,400–(1,591)––4(1,587)

(33)8––305

202163069,325(1,835)53210,08852878,638

20201159,232(2,244)(313)6,62189964,195

2,1603361,8992,742287,165–507––(3)504

(52)(3)(7)–18(44)

2020123161,340(1,404)1,5799,36394271,820

20211160,136(1,504)1,6139,1911,60771,0438,0201,153(1,022)749(440)8,460–(1,470)–––(1,470)

202163068,156(1,821)5919,9401,16778,033

20201158,241(2,238)(289)6,5171,43263,663

1,8953401,9022,6741756,986

–394–––394

2020123160,136(1,504)1,6139,1911,60771,043

25%202025%)

2021A

21.

20216306

11630

1126,1185,352397––(3)31,864

124,0143,740–––(9)7,745

6(b), 7(c),8(d)1,3964,419–––(4)5,8119(c)234,66414,4575,485(14,789)(141)16239,692

579–––––579102(15)––––87236–––––2363,006265–(21)–(1)3,249

270,11528,2185,882(14,810)(141)(1)289,263

2020

111231

1113,99513,87580(1,822)–(10)26,118

122,6001,492–––(78)4,014

6(b), 7(c),

8(d)1,106307–––(17)1,3969(c)223,09746,8828,781(43,734)(186)(176)234,66419579–––––579

1741–(73)––102

93153–––(10)2363,049168–(209)–(2)3,006

244,69362,8788,861(45,838)(186)(293)270,115

2021A

21.

20216306

11630

1125,9075,358397––(1)31,661

123,3373,718––––7,055

6(b), 7(c),

8(d)1,3364,491–––(2)5,8259(c)228,21614,4235,484(14,779)(139)39233,244

1,768–––––1,768102(15)––––872,828307–(20)–(1)3,114

263,49428,2825,881(14,799)(139)35282,754

2020

111231

1113,84613,80280(1,822)–125,907

121,9241,453–––(40)3,337

6(b), 7(c),

8(d)1,093250–––(7)1,3369(c)216,94346,0228,749(43,299)(186)(13)228,216141,768–––––1,768

1741–(73)––1022,867173–(210)–(2)2,828

238,61561,7018,829(45,404)(186)(61)263,494

2021A

22.

2021

20201231

2021

20201231

(a)764,090719,764744,675695,6572,9023,6382,8623,504

766,992723,402747,537699,161

(a)

2021

20201231

2021

20201231

145,530143,846127,220118,436

603,877568,557603,236566,492

749,407712,403730,456684,928

13,2426,96412,77810,332

1,441

1,441

14,6837,36114,21910,729

764,090719,764744,675695,657

2021A

23.

2021

20201231

2021

20201231

(a)168,687143,11769,07459,443

169,124143,51769,11959,494

(a)

2021

20201231

2021

20201231

92,31375,76826,02824,919

26,11121,14217,69211,240

118,42496,91043,72036,159

49,78646,01125,16023,088

50,26346,20725,35423,284

168,687143,11769,07459,443

2021A

24.

2021

20201231

2021

20201231

(a)18,19320,99017,21620,361 (b)54,48039,36121,36816,239

72,67360,35138,58436,600

(a)

2021

20201231

2021

20201231

17,21620,36117,21620,361

––

18,19320,99017,21620,361

(b)

2021

20201231

2021

20201231

10,2001,58910,2001,589

29,99720,773––

10,57513,91410,57514,045

3,1152,480––

54,48039,36121,36816,239

2021630620201231

2021A

25.

2021

20201231

2021

20201231

(a)(b)122,081142,881102,078126,631

122,143142,927102,133126,673

(a)

2021

20201231

2021

20201231

117,631136,24898,580121,380

2,007

2,000

119,638137,228100,580122,360

1,2444,8681,2444,271

1,199

–

2,4435,6531,4984,271

122,081142,881102,078126,631

(b)

2021

20201231

2021

20201231

49,44845,68449,44845,664

24,70853,44510,48544,921

2,0994,8721,4992,114

4,5304,351––

80,785108,35261,43292,69941,29634,52940,64633,932

122,081142,881102,078126,631

2021A

26.

2021

20201231

2021

20201231

(a)5,980,1655,628,3365,741,7485,407,92738,78035,79938,25135,217

6,018,9455,664,1355,779,9995,443,144

(a)

2021

20201231

2021

20201231

2,453,1362,306,1342,391,5142,268,411

1,382,4371,289,5561,328,0021,240,146

3,835,5733,595,6903,719,5163,508,557

1,517,7281,400,5201,442,3101,332,241

626,864632,126579,922567,129

2,144,5922,032,6462,022,2321,899,370

5,980,1655,628,3365,741,7485,407,927

27.

2021

20201231

2021

20201231

16,41113,90715,03712,7204,4923,3474,4133,2091,2571,3941,1671,276

22,16018,64820,61717,205

2021A

28.

2021

20201231

2021

20201231

20,8947,23620,8597,208

21,8878,22921,8528,201

2021630

--

17,4032,90159020,894

20201231

--

5,5601,0736037,236

2021A

28.

2021630

--

17,3752,89558920,859

20201231

--

5,5391,0686017,208

29.

2021

20201231

2021

20201231

(a)34,26434,30231,68231,689(b)181,942146,559131,047101,256192,797144,816192,797144,81615,11718,47913,51012,1904,5981,9853,8181,295

428,718346,141372,854291,246

2021A

29.(a)

(%)

180201212285.2011,70011,694(4)–11,690120201811154.6520,00019,995(3)–19,992

31,689(7)–31,682

%

120201711223.755

T*+1.75%6

4002,613–(31)2,582

2,613–(31)2,582

* T5

2021A

29.(b)

(%)

3620188173.9530,00029,983–6––29,989(i)3620196120.253002,411–(2)(107)–2,302

3620196193M Libor+746003,920–(1)(45)–3,874

362019753.4530,00029,991–4––29,995

332019943M Libor+7460392–(1)(4)–387

3620199243.3320,00019,996–1––19,997(ii)3620209251.104002,610–(1)(29)–2,580(iii)3620209250.253001,955–(2)(21)–1,932

3620201163.4810,0009,998–(1)––9,997

3620213113.4010,000–9,999(2)––9,997

362021633.1820,000–19,997–––19,997

101,25629,9961(206)–131,047

(i) 2021630372802020123137

(ii) 2021630301942020123130

(iii) 2021630301942020123130

2021A

29.(b)

%

60201611293.259005,873–3(65)–5,811(i)3620183145.244,0003,999–1–(4,000)–(ii)362018594.804,0003,999–1–(4,000)–

3620187164.504,0003,998–2––4,000

3620193143.501,5001,498–1––1,499

6020193144.00500499––––499

3620195283.683,0002,996–1––2,997(iii)6020196253.129005,843–5(65)–5,783(iv)12020196253.69100648––(7)–641

3620197173.603,0002,995–2––2,997(v)1220204171.7340261–––(261)–

12020207144.252,0001,992––––1,992(vi)6020208121.888005,204–2(58)–5,148(vii)12020208122.754002,588–1(27)–2,562(viii)36202011173.854,0003,989–2––3,991

12202012281.5020131––(2)–129(ix)3620211283.604,000–4,000(10)––3,990(x)602021242.00400–2,5841(12)–2,573(xi)602021252.88400–2,5881(36)–2,553

1820213191.1650–326–(3)–323(xii)3620213243.582,000–2,000(5)––1,995

602021324

2.0020–130–(2)–128

6020213242.0020–130–(2)–128

46,51311,6288(277)(8,261)49,611

(i) 202163020201231260(ii) 202163020201231140(iii) 2021630152982

20201231986392021630301942020123130196(iv) 202163043278

2020123143282(v) 202163020201231

40261(vi) 202163021135

20201230202163032

2072020123132209(vii) 202163053120201231(viii) 202163050020201231500(ix) 202163080020201231(x) 20216302415620201231(xi) 20216304830720201231(xii) 20216307020201231

2021A

29.(b)

%

362018793.723001,962––(24)1,938(i)362021621.38600–3,900(6)(23)3,871

1,9623,900(6)(47)5,809

(i) 20216303119720201231

30.

A20,629 H4,591

25,220

AH

202111202163025,22025,220

2021A

31.(a)

202163020201231

(i)506,597506,597(ii)27527,46827527,468

32534,06532534,065

(i) 201710251,000

2050,000,0004.40%16.68%(ii) 2017121827,500

100275,000,0004.81%16.68%(iii)

(1) 5.125%

AH

5.125%

(2)

AH

2021A

31.(b)

202163020201231

(i)50049,98950049,989

50049,98950049,989

(i) 2020792020

50,0001003.95%5

0.01%)

2021A

32.

20216306

3,0641,392–(347)1,045–(1,356)2,753

7331–(5)26––99

3,1371,423–(352)1,071–(1,356)2,852

8942,129(2,267)(72)(211)1–683

3,3874,650–(1,172)3,478––6,865

(66)(30)68947––(19)

(693)(744)––(692)(52)–(1,385)

789(142)––(142)––647

4,3115,863(2,199)(1,235)2,480(51)–6,791

7,4487,286(2,199)(1,587)3,551(51)(1,356)9,643

2021A

32.

2020

2,609625–(144)481–(26)3,064

3052–(9)43––73

2,639677–(153)524–(26)3,137

3,621(747)(2,970)988(2,727)(2)–894

2,3331,391–(337)1,054––3,387 (39)(42)96(27)––(66) 1,561(2,483)––(2,254)(229)–(693)

326463––463––789

7,802(1,418)(2,961)657(3,491)(231)–4,311

10,441(741)(2,961)504(2,967)(231)(26)7,448

2021A

32.

20216306

3,0821,385–(346)1,039(1,356)2,765

1,4402,137(2,264)32(95)–1,345

2,6944,623–(1,156)3,467–6,161

(26)–––––(26)

228(87)––(87)–141

735(145)––(145)–590

8,1537,913(2,264)(1,470)4,179(1,356)10,976

2020

2,641648–(147)501(60)3,082

4,074(649)(2,863)878(2,634)–1,440

1,6821,349–(337)1,012–2,694 (26)1(1)–––(26) 20622––22–228

279456––456–735

8,8561,827(2,864)394(643)(60)8,153

2021A

33.

(a)

2021630

20201231

20201.25331,601–20191.20–30,264

(b)

2021630

20201231

–8,867

7,931 20201.253–31,601

48,399

2020202131920216252020

2021A

34.

63066306

2021202020212020

122,537118,376116,931112,145

39,92541,68734,83835,973

77,54272,82477,15172,399

5,0703,8654,9423,7733,8943,7443,8893,716

1,173

2,6933,2982,8103,4552,9732,0862,9482,06626,80025,00826,23224,411

7,6676,8997,1166,313

19,13318,10919,11618,098

159,243153,685153,115146,648

202163065,729

202063064,507

2021A

35.

63066306

2021202020212020

40,38341,91639,73440,4454,1874,5834,1874,5795,3744,1185,7184,3842,2712,628

1,349

1,161

6,0478,5705,1207,612

59,90262,81256,69758,711

36.

63066306

2021202020212020

9,3969,4189,3599,3797,2776,3627,2576,33815,17310,81014,32110,2493,8523,6543,2463,13615,88213,55812,44712,3724,4251,8094,0151,403

56,00545,61150,64542,877

37.

63066306

2021202020212020

(1,628)

(2,481)

(38)

(1)(367)

(367)

(1,168)1,001(1,984)

2021A

38.

63066306

2021202020212020

6,6447,3815,7957,958

(145)

(147)

2,2672,9672,2642,866

1,5191,7091,5191,709

2,1881,1841,269

(26)

(28)

11,10711,5309,32711,575

39.

63066306

2021202020212020

2,9032,591

–

3,4263,060

2021A

40.

63066306

2021202020212020

23,41920,28421,28318,701

4,5333,6804,4613,634

3,3753,6193,2063,452

31,32727,58328,95025,787

2,0401,8861,8751,736

2,0702,1171,9541,998

10,9039,46510,3238,975

47,16841,86043,85439,256

41.

63066306

2021202020212020

13,58636,40713,55736,167

(196)

(207)4,419

4,491

5,352(125)5,358(125)

3,7401,3033,7181,28913,6621,92313,6551,932

41,89540,44341,95240,133

2021A

42.

63066306

2021202020212020

1,7711,484––

––

––

2,0331,718

43.

(a)

63066306

2021202020212020

22,49518,04121,14617,049

23,07518,72221,37717,366(8,400)(5,962)(8,460)(5,991)

14,67512,76012,91711,375

2021A

43.

(b)

63066306

2021202020212020

76,32362,83868,10056,17725%202025%)

19,08015,70917,02514,044

(5,570)(4,582)(5,181)(4,194)

(212)(361)––

1,149

1,149

14,67512,76012,91711,375

(i)44.

2010

20216306

(%)

59,17518.062.352.35

58,96618.002.342.34

20206306

(%)

49,78816.941.971.97

49,73316.921.971.97

2021A

44.(a)

2021630620206306

6306

20212020

61,15049,788(1,975)–59,17549,78825,22025,220

2.35

1.97

58,96649,733

2.34

1.97

20172020

202163062020630620216231,97520206306

2021630620212020

6306

20212020

59,17549,788

(209)(55)

58,96649,733

2021A

44.(b)

6306

20212020

59,17549,788655,259587,851(%)

18.06

16.94

58,96649,733 (%)

18.00

16.92

45.

╱╱╱

202163062020630610%

2021A

45.(a)

6306

20212020202120202021202020212020

9,9898,76166,11261,18323,24020,92999,34190,873╱32,97330,124(8,905)(8,654)(24,068)(21,470)––

╱42,96238,88557,20752,529(828)(541)99,34190,87316,35013,57731,82825,5364,0763,15652,25442,26910,58410,4741,178

5,3924,02317,15415,211

––––2,1851,1822,1851,182

69,89662,93690,21378,7798,6406,638168,749148,353

(796)(757)(1,201)(1,110)(1,891)(1,588)(3,888)(3,455)

(812)(858)(1,148)(1,163)(110)(96)(2,070)(2,117)

(19,108)(19,173)(22,749)(20,980)(23)(290)(41,880)(40,443)

(17,212)(15,653)(24,537)(21,634)(2,920)(2,023)(44,669)(39,310)

(37,928)(36,441)(49,635)(44,887)(4,944)(3,997)(92,507)(85,325)

(60)(283)(5)(17)(38)(10)(103)(310)

╱31,97926,26840,58033,8783,7642,69276,32362,838

(i)663

1,00510,0785,08311,7126,826

2021

20201231

2021

20201231

2021

20201231

2021

20201231

4,746,2854,489,8682,790,5422,617,1091,243,6461,163,0078,780,4738,269,984

5,021,7134,477,9182,188,9602,075,680791,367994,5488,002,0407,548,146

––––21,89614,92221,89614,922

(i)

2021A

45.(b)

2021

2020

168,749148,353––

168,749148,353

76,32362,838––

76,32362,838

202163020201231

8,780,4738,269,9849,9549,954

79,86672,89314,9917,988

8,885,8868,361,448

8,002,0407,548,14622,16018,6481,2281,07398,89063,227

8,124,3187,631,094

2021A

45.(c)

–––––––––

2021

20201231

2021

20201231

2021

20201231

2021

2020

2021

2020

3,972,9983,779,9143,376,5913,249,99845,30940,75774,60962,86319,1353,5751,163,0181,045,5081,152,1641,026,3325,9956,14921,24218,08413,42913,407697,380640,583689,433625,4034,4184,52515,99814,9479,71811,377

955,803896,144938,847871,2494,1884,26318,64916,85111,92912,292180,517165,961179,435164,6661,6431,7903,0843,0381,406

546,152513,998542,059504,7423,9834,13210,2119,3345,2686,162569,423517,523564,268508,4713,9904,15010,2699,2716,6206,380170,868220,214169,730215,032

1,0531,3221,706

1,067629,727581,603511,791465,20161,67053,01713,36512,2597,9747,612

8,885,8868,361,4488,124,3187,631,094132,150119,836168,749148,35376,32362,838

2021A

46.(a)

2021630

--

210,6451,414257212,316

74,679514375,196135,966900254137,120133,8921,494–135,386320,0097,348570327,927122,5893,9242126,515 123,760–223,762 198,8293,924–102,7531,205,4479,3151071,214,869

119,868328–120,196

2,112,45023,8239362,137,209

20201231

--

212,580508265213,353

95,914399396,316116,666109262117,037120,7482413120,992265,2131,671292267,176206,5243,13245209,701 1117,71219845117,955 188,8122,934–91,746

1,128,1526,4681131,134,733

100,419––100,419

2,033,63612,0207182,046,374

2021A

46.(a)

202163015,5762020123112,9659,116202012316,516110,69420201231101,511

2021630

--

212,4501,369257214,076

78,101469378,573134,349900254135,503136,7441,494–138,238319,6327,346570327,548116,41643–116,459 121,008––21,008 195,40843–95,4511,202,1009,1831031,211,386

119,868328–120,196

2,107,21019,7639302,127,903

20201231

--

220,168326265220,759105,1212173105,341115,047109262115,418123,2942343123,531265,0751,670292267,037197,97922543198,247 1112,88019843113,121 185,09927–85,126

1,124,6436,3181081,131,069

100,419––100,419

2,031,5788,7737112,041,062

2021A

46.(a)

202163014,3362020123112,09113,208202012319,929110,69420201231101,511

20216303,815,644202012313,606,998

2021

20201231

2021

20201231

545,921470,782541,915462,438

20144

(b)

2021

20201231

2021

20201231

13,03312,851

13,24613,145

(c)

202163088020201231

2021A

46.(d)

2021

20201231

2021

20201231

28,47927,09528,47927,095

47.

(a)

2021

20201231

2021

20201231

270,631264,107270,538264,013

(270,631)(264,107)(270,538)(264,013)

(b)

2021A

47.(b)

2021

20201231

2021

20201231

2,568,5772,386,0851,327,9711,678,215

48.(a)

2021A

48.(a)(i)

(ii)

48(a)(i)

iii)iii

2021A

48.(a)

(iii)

? (PD)12? (LGD)? (EAD)

(iv)

8.8%

2.1%

202163010%10%3%10%10%1%

2021630

(v)

(vi)

46(a)202163010,794,599202010,192,92710,262,11920209,708,107

2021A

48.(a)

(vii)

202163020,7972020123124,878

(viii)

2021630

--

--

558,207––558,207––––124,014–11124,025(621)–(11)(632)252,9491,284–254,233(2,359)(77)–(2,436)336,741–140336,881(2,603)–(140)(2,743)

556,3422,005203558,550(5,875)(809)(1,061)(7,745)

20201231

--

--

525,118––525,118––––103,437–11103,448(266)–(11)(277)225,4111,105–226,516(345)(31)–(376)286,739–140286,879(603)–(140)(743) 510,01114282510,307(2,915)–(1,099)(4,014)

2021A

48.(a)

(viii)

2021630

--

--

541,874––541,874––––91,896–1191,907(581)–(11)(592)245,89985–245,984(2,419)(72)–(2,491)335,766–140335,906(2,602)–(140)(2,742)

484,5701,696203486,469(5,816)(794)(445)(7,055)

20201231

--

--

508,145––508,145––––

73,449–1173,460(241)–(11)(252)216,644100–216,744(321)(20)–(341)282,727–140282,867(603)–(140)(743) 443,31914282443,615(2,862)–(475)(3,337)

2021A

48.(b)

(i)

(1)

2021A

48.(b)(i)(2)

(RFRs)(IBOR)(3)

2021630

31155

570,059558,207–––11,852709,328625,66880,9102,411339–(i)5,144,7391,744,6622,943,384385,07971,614–2,142,025332,687291,793838,338622,01357,194(ii)319,735––––319,735

8,885,8863,261,2243,316,0871,225,828693,966388,781

1,354,718987,550359,5995,2792,290–5,980,1654,617,813707,750650,7783803,444

109,9885194,6298,34913196,36013,7481,1112,8518,1891,597–424,12066,273203,753144,1169,978–(ii)241,579319––2241,258

8,124,3185,673,5851,278,582816,71114,378341,062

761,568(2,412,361)2,037,505409,117679,58847,719

2021A

48.(b)(i)

(3)

20201231

31155

538,206525,118–––13,088615,447524,01087,2133,840384–(i)4,794,9291,861,0762,496,358365,52471,971–

2,094,710351,146369,495781,707524,73767,625(ii)318,156––––318,156

8,361,4483,261,3502,953,0661,151,071597,092398,869

1,335,373952,312351,96114,1523,61913,329

5,628,3364,387,216599,077638,4192923,332 110,4124606,3368,36713095,119

14,2421,0152,8058,5771,845–344,156110,389105,553120,6557,559–(ii)198,57576315–4197,793

7,631,0945,452,1551,065,747790,17013,449309,573

730,354(2,190,805)1,887,319360,901583,64389,296

2021A

48.(b)

(i)(3)

2021630

31155

553,351541,874–––11,477667,972591,39975,1851,388––(i)4,826,6151,554,6752,849,451359,56062,929–2,009,711337,149262,363754,150616,40939,640(ii)280,806––––280,806

8,338,4553,025,0973,186,9991,115,098679,338331,923

1,215,687887,624327,571492––5,741,7484,426,492667,872647,004380–

75,351–2,7698,349–64,23313,0391,0492,6657,7281,597–369,03660,334193,037115,665––(ii)213,351––––213,351

7,628,2125,375,4991,193,914779,2381,977277,584

710,243(2,350,402)1,993,085335,860677,36154,339

2021A

48.

(b)(i)(3)

20201231

31155

520,692508,145–––12,547571,735489,72276,2985,715––(i)4,502,6311,684,6142,419,356337,25961,402–

1,980,855359,245321,281723,328522,14754,854(ii)290,223––––290,223

7,866,1363,041,7262,816,9351,066,302583,549357,624 1,211,342899,875311,178289––

5,407,9274,206,515566,103635,017292– 86,224–6,0918,498–71,635

13,4689562,6178,0571,838–289,951100,36289,72999,860––(ii)172,767––––172,767

7,181,6795,207,708975,718751,7212,130244,402

684,457(2,165,982)1,841,217314,581581,419113,222

(i) 3202163020201231(ii)

202163020201231

202163020201231

25(25)25(25)

╱(3,573)3,573(3,266)3,266

╱(3,132)3,463(3,671)3,700

2021A

48.(b)(ii)

(1)

VaR

(2)

2021A

48.(c)

2021A

48.(c)

2021630

11331155

(i)50,119–––––519,940–570,05989,510486,65348,93981,6652,222339––709,328

–509,999329,0621,343,8941,375,2111,573,55831812,6975,144,739(ii)2,014245,95362,360305,736891,696626,7587,3511572,142,02554,16013,22613,62611,43312,6585,348205,8503,434319,735

195,8031,255,831453,9871,742,7282,281,7872,206,003733,45916,2888,885,886

605,355203,685167,659361,99412,8383,187––1,354,718(iii)4,052,844267,824290,490712,119655,8441,044––5,980,165

12,23521,3769,95718,91318,97028,537––109,988

–4626492,8518,1891,597––13,748–27,72426,620203,753156,0459,978––424,120

152,77231,45817,42829,0778,9881,856––241,579

4,823,206552,529512,8031,328,707860,87446,199––8,124,318

╱(4,627,403)703,302(58,816)414,0211,420,9132,159,804733,45916,288761,568

2021A

48.(c)

20201231

11331155

(i)37,496–––––500,710–538,206

91,085369,35562,20188,2134,169384–40615,447

–488,169311,3341,201,3471,298,8661,469,89012,17813,1454,794,929(ii)5,409183,039135,457383,294842,445535,7087,7101,6482,094,710

70,3256,0359,7207,17025,8065,824190,0063,270318,156

204,3151,046,598518,7121,680,0242,171,2862,011,806710,60418,1038,361,448542,955251,299171,884351,46414,1523,619––1,335,373(iii)3,704,751326,452354,084600,093642,047909––5,628,336 14,2648,77710,74532,99420,37423,258––110,412

–5274882,8058,5771,845––14,242

–61,16745,304105,552124,5747,559––344,15699,35148,61315,63225,0818,895632371–198,575

4,361,321696,835598,1371,117,989818,61937,822371–7,631,094

╱(4,157,006)349,763(79,425)562,0351,352,6671,973,984710,23318,103730,354

2021A

48.

(c)

2021630

11331155

(i)34,132–––––519,219–553,35164,390469,02557,98475,1851,388–––667,972

–471,185313,7461,272,8601,232,9311,523,855–12,0384,826,615(ii)356235,57980,983270,705795,286620,2126,4331572,009,71154,3828,03413,5259,9446,7865,031179,6743,430280,806

153,2601,183,823466,2381,628,6942,036,3912,149,098705,32615,6258,338,455601,671162,134123,819327,571492–––1,215,687(iii)3,913,648242,756263,105671,875649,984380––5,741,748

11,20121,1198,94616,90517,076104––75,351

–4436062,6657,7281,597––13,039

–21,78526,620193,037127,594–––369,036146,61425,28715,73520,3515,364–––213,351

4,673,134473,524438,8311,232,404808,2382,081––7,628,212

╱(4,519,874)710,29927,407396,2901,228,1532,147,017705,32615,625710,243

2021A

48.

(c)

20201231

11331155

(i)20,564–––––500,128–520,692

68,282361,23160,17376,2945,715––40571,735

–477,359290,5241,136,5801,168,0211,418,753–11,3944,502,631(ii)265224,594115,046328,888771,200532,5216,6931,6481,980,855

70,6273,3788,8386,14419,9975,632172,6382,969290,223

159,7381,066,562474,5811,547,9061,964,9331,956,906679,45916,0517,866,136535,779217,405146,691311,178289–––1,211,342(iii)3,598,192295,011311,363566,045637,024292––5,407,927 14,2468,7619,99032,69120,45878––86,224

–5084482,6178,0571,838––13,468

–61,16735,27689,729103,779–––289,95196,00441,27313,45717,4144,619–––172,767

4,244,221624,125517,2251,019,674774,2262,208––7,181,679

╱(4,084,483)442,437(42,644)528,2321,190,7071,954,698679,45916,051684,457

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

2021A

48.

(d)

(e)

2021A

48.(e)

20216302013112014418

(f)

2021A

48.(f)

2021630

331155

408,3881,226,4971,326,14810,3942,971,4279,374(9,156)

397–––397––

2,4776,151––8,6281(2)

411,2621,232,6481,326,14810,3942,980,4529,375(9,158)

64,05715,1471,92589982,0281,385(880)

490,940469,46321,895864983,16211,870(12,524)

83497––580––

142,274164,93410,425369318,0025,775(12,106)

697,354650,04134,2452,1321,383,77219,030(25,510)

–277265–542–(277)

2,66578,898––81,563968–

2,66578,898––81,563–(925)

10,5765,112––15,6882,287(1,399)

––323–323–(10)

15,906163,185588–179,6793,255(2,611)

––2,2961,4043,70027(8)

3881,060350–1,798–(28)

–69473–7673–

3881,754423–2,5653(28)

31,690(37,315)

2021A

48.(f)

20201231

331155

561,5221,223,9771,499,1102,9133,287,52212,559(12,318) ––65–656(3) 899––98–– 2208,410––8,6303(6)

561,8311,232,3961,499,1752,9133,296,31512,568(12,327)

58,15531,2801,4522,70393,5901,691(1,461) 440,943477,29812,789867931,89720,063(20,136) 17706––723–– 130,903104,9213,068–238,89211,344(14,623)

630,018614,20517,3093,5701,265,10233,098(36,220)

48867,353––67,841490– 48867,353––67,841–(464) 4,9483,929631–9,5081,048(987)

5,924138,635631–145,1901,538(1,451)

321,0302,8718194,752–(15)

4719091,358–2,738–(47)

–1,49974–1,57368(1)

4712,4081,432–4,31168(48)

47,272(50,061)

2021A

48.(f)

2021630

331155

399,8411,222,2721,325,50010,3942,958,0079,347(9,111)

397–––397.00––

2,4776,151––8,6281(2)

402,7151,228,4231,325,50010,3942,967,0329,348(9,113)

49,5479,9961,92589962,367727(238)

466,359458,99021,895864948,10812,329(12,958)

83497––580––

141,453164,92610,425369317,1735,772(12,103)

657,442634,40934,2452,1321,328,22818,828(25,299)

2,60378,898––81,501966–

2,60378,898––81,501–(923)

10,5765,112––15,6882,287(1,399)

––323–323–(10)

15,782162,908323–179,0133,253(2,332)

––100–100––

–355350–705–(23)

–11073–183––

–465423–888–(23)

31,429(36,767)

2021A

48.(f)

20201231

331155

561,5221,207,7451,497,1882,9133,269,36812,526(12,232) ––65–656(3) 899––98–– 2208,410––8,6303(6)

561,8311,216,1641,497,2532,9133,278,16112,535(12,241)

55,4228,6201,4522,70368,197825(628) 423,653490,23612,789867927,54520,287(20,646) 17706––723–– 130,461104,9033,068–238,43211,341(14,621)

609,553604,46517,3093,5701,234,89732,453(35,895)

48867,353––67,841490– 48867,353––67,841–(464) 4,9483,929631–9,5081,048(987)

5,924138,635631–145,1901,538(1,451)

––100–100––

471–714–1,185–(36)

–11174–185–(1)

471111788–1,370–(37)

46,526(49,624)

2021A

48.(f)

202163062020630

202163020201231

3,9395,574

4,7173,8044,4096,011

13,28715,655

2019

2014

(g)

(i)

2021A

48.(g)(ii)

2021630

123123

22,803123,013366146,18217,75464,04536682,165

203––203203––203

938713,1254,134––8282

149155,674589156,412–197,572–197,572

–2,125–2,125–1,846–1,846

–134,506–134,506–134,506–134,506

–1,214–1,214––––

24,093416,6034,080444,77617,957397,969448416,374

1,73528,265–30,000634––634

–31,690–31,690–31,429–31,429

––6,9546,954––6,6826,682

114,700450,965–565,66558,160434,965–493,125

–426,18042,244468,424–419,69042,244461,934

2,393–4,6387,0312,084–4,3496,433

142,9211,353,70357,9161,554,54078,8351,284,05353,7231,416,611

17,216––17,21617,216––17,216

131846–977––––

17,347846–18,19317,216––17,216

10,200––10,20010,200––10,200

–593–593–593–593

10,575––10,57510,575––10,575

–26,0357,07733,112––––

20,77526,6287,07754,48020,775593–21,368

–37,315–37,315–36,767–36,767

38,12264,7897,077109,98837,99137,360–75,351

2021A

48.(g)(ii)

20201231

123123

24,267121,780456146,50319,01873,48337692,877 96––9696––96 8368361,7383,410––7171 84136,229519136,832–182,217–182,217 –1,259–1,259–278–278 –175,303–175,303–175,303–175,303 –1,063–1,063––––

25,283436,4702,713464,46619,114431,281447450,842

2,61828,6251431,2571,136––1,136

–47,272–47,272–46,526–46,526 ––6,8566,856––6,7266,726 109,282407,271–516,55359,622389,806–449,428 –331,07044,289375,359–327,47944,293371,772 2,075–5,0647,1391,898–4,7956,693

139,2581,250,70858,9361,448,90281,7701,195,09256,2611,333,123

20,361––20,36120,361––20,361 130499–629––––

20,491499–20,99020,361––20,361

1,589––1,5891,589––1,589 –605–605–605–605 13,914––13,91414,045––14,045 –17,6045,64923,253––––

15,50318,2095,64939,36115,634605–16,239

–50,061–50,061–49,624–49,624

35,99468,7695,649110,41235,99550,229–86,224

2021A

48.(g)(ii)

1)

2)

-(Black-Scholes)

2021A

48.

(g)(ii)3)

2021630

4,349

6,954

42,244

3,125

6,925

2021A

48.

(g)(ii)3)

20201231

1,200

3,864

6,856

44,289

456 1,738 519

5,443

2021A

48.(g)(ii)3)

(1)

2021112,7276,85644,2895,06458,936

343(31)652–964

––631,2061,269╱1,25014354,98568557,063

(169) (13)(57,745)(2,217)(60,144)

(71)(1)–(100)(172)

20216304,0806,95442,2444,63857,916

343(31)––312

2020112,9685,77930,3463,74842,841 4542961,210–1,960 ––201,4691,489

╱53979686,0038287,420

(1,106)–(73,290)–(74,396)

(128)(15)–(235)(378)

202012312,7276,85644,2895,06458,936

454296750

2021A

48.

(g)(ii)

3)

(1)

20212020

5,6493,105

1,1692,686(77)(453)(87)(91)

630╱12317,0775,649

2021114476,72644,2934,79556,261

1(44)652–609

––631,1991,262╱––54,98551355,498––(57,749)(2,158)(59,907)

20216304486,68242,2444,34953,723

1(44)––(43)

2021A

48.(g)(ii)3)

(1)

2020113285,43530,3463,47539,584 1192911,210–1,620 ––201,3201,340

╱–1,00086,003–87,003

––(73,286)–(73,286)

202012314476,72644,2934,79556,261

119291410

(2)

2021630620206306

(3)

2021630620206306

2021A

48.

(g)(iii)(1)

2021630

1,069,9781,092,7884,289969,086119,413

20201231

1,034,2691,049,3743,387914,025131,962

(2)

2021630

34,26435,208–35,208–181,942185,570–185,570–

216,206220,778–220,778–

20201231

34,30235,243–35,243–146,559149,115–149,115–

180,861184,358–184,358–

2021A

49.(a)

63066306

2021202020212020

61,64850,07855,18344,802

14,45736,21114,42335,960

27,4234,23227,5144,173

(141)(98)(139)(98)

3,8883,4551,9141,776

2,0702,1171,9541,998

(23)(17)(6)(2)

(994)(1,932)(1,174)(685)

(9,588)(9,699)(7,046)(8,984)

(26,800)(25,008)(26,232)(24,411)

6,0478,5705,1207,612

(8,400)(5,962)(8,460)(5,991)

(429,784)(524,728)(393,632)(503,713)

365,101715,719333,028666,646

6,322254,2543,781220,328

(b) 3

2021

2020

2021

2020

50,11940,03734,13236,942119,63773,16592,35648,64282,838118,30489,27590,205333,164225,683333,164225,6838,00733,8606,51414,113

593,765491,049555,441415,585

2021A

49.(c)

2021

2020

2021

2020

11,85212,94711,47712,379(13,088)(15,306)(12,547)(14,356)581,913478,102543,964403,206(539,702)(574,369)(495,182)(529,211)

40,975(98,626)47,712(127,982)

(d)

2020630650.

8,3882020630622,295

2021A

50.

9,9802020630620216304,648202012313,128

2021630672720206306301

2021A

51.(a)(i)

16,900

7,559,427,37529.97%(i,viii)–

7,000

3,289,470,33713.04%(ii)–

1,258,542,3494.99%–

944,013,1713.74%–

1,147,377,4154.55%–

Best Winner Investment Ltd.0.05

386,924,0631.53%–––China Merchants Union (BVI) Limited0.06

477,903,5001.89%––– 10

55,196,5400.22%–

11,000

2,515,193,0349.97%(iii)–

16,191

1,574,729,1116.24%–

3,191

696,450,2142.76%– 2

103,552,6160.41%–1,399

75,617,3400.30%–

54,721,9300.22%–

10,121,8230.04%–

976,132,4353.87%(iv)–

30,790

976,132,4353.87%–

2021A

7,274

422,770,4181.68%(v)–16,175

301,089,7381.19%–

21,599

310,125,8221.23%(vi)–

11,683

310,125,8221.23%–8,000

296,291,6271.17%(vii)–

4,129

––100%6,000

––100%1,161

––100%1,310

––55%5,000

––100%

14(a)((vi))

––100%

––

14(a)(viii)(i) 29.97%202029.97%)(ii) 202163013.04%202013.04%)(iii) 9.97%20209.97%)(iv) 3.87%20204.11%)(v) 1.68%20201.68%)(vi) 1.23%20201.23%)(vii) 1.17%20201.17%)(viii)

51.

(a)

(i)

2021A

51.

(a)(i)

202163020201231

16,900,000,00016,900,000,0007,000,000,0007,000,000,000600,000,000600,000,000600,000,000600,000,000777,800,000777,800,000Best Winner Investment Ltd.50,00050,000China Merchants Union (BVI) Limited.60,00060,00010,000,00010,000,000100,000,000100,000,00030,790,000,00030,790,000,00011,000,000,00011,000,000,00016,191,351,30016,191,351,3003,191,200,0003,191,200,0002,000,0002,000,0001,398,941,0001,398,941,000500,000,000500,000,000299,020,000299,020,0007,274,023,8307,274,023,83016,174,735,42516,174,735,42521,599,175,73721,599,175,73711,683,461,36511,683,461,3658,000,000,0008,000,000,0004,129,000,0004,129,000,0006,000,000,0006,000,000,0001,160,950,5751,160,950,5751,310,000,0001,310,000,0005,000,000,0005,000,000,00050,000,00050,000,000500,000,000500,000,000

2021A

51.(b)

(c)(i)

202163020201231

(%)(%)

43,5390.8137,4110.74

2,5940.122,7170.13

87,7731.4785,2251.51

9,6313.794,5001.99

5000.30––

470.34

570.40

3,8461.813,6151.69

3990.293800.31

1100.032920.11

6306

20212020

(%)(%)

7480.476070.396301.056200.994720.903720.88

230.05

160.04

20.01

(23)(0.15)

2021A

51.(c)(ii) 5%

202163020201231

(%)(%)

30,2900.5638,8620.77

2,1820.102,9610.14

29,8960.5045,5290.81

60.04

80.06

17,5848.2832,57715.27

6400.478230.68

7,0822.165,4542.04

6306

20212020

(%)(%)

4280.277040.469681.623510.569641.841,6763.97

10.01

1320.87

2021A

51.(c)(iii)

202163020201231

(%)(%)

19,8260.3734,4670.69

9650.058400.04

52,5120.8849,1060.87

1410.073950.19

460.03

220.02

850.03

560.02

6306

20212020

(%)(%)

6040.383190.215070.851240.201610.315641.337651.626611.58––

20.01

2021A

51.(c)(iv)

202163020201231

(%)(%)

4,2580.084,6900.09

900.00

1000.00

10,0003.9314,5006.40

1,3870.021,3540.02

8,7004.108,7004.08

6306

20212020

(%)(%)

80.01

420.03

90.02

90.01

1,0141.947041.67

70.01

60.01

2021A

51.

(d)(i)

202163020201231

(%)(%)

35,9890.7132,2630.68

2,5940.132,6750.14

87,1851.5284,5661.56

9,6313.924,5002.08

470.36

570.42

3,8461.803,6151.64

3990.293800.31

1100.032920.11

6306

20212020

(%)(%)

6760.445330.366291.116131.044711.023710.98

230.05

160.04

20.02

(23)(0.20)

2021A

51.(d)(ii) 5%

202163020201231

(%)(%)

25,5960.5137,1190.78

2,1820.112,9610.15

29,8000.5245,4860.84

60.04

80.06

17,5858.2132,57714.76

6400.468230.67

7,0822.165,4542.04

6306

20212020

(%)(%)

3400.226440.449681.713460.599642.081,6584.39

10.01

1321.16

2021A

51.(d)(iii)

202163020201231

(%)(%)

19,7010.3934,3400.73

9650.058400.04

52,5120.9149,1060.91

1410.073950.18

460.03

220.02

850.03

560.02

6306

20212020

(%)(%)

6030.393190.225070.891240.211610.355711.517371.686471.65––

20.02

2021A

51.(d)(iv)

202163020201231

(%)(%)

4,2580.084,6900.10

900.00

1000.01

10,0004.0714,5006.69

1,2240.021,2050.02

8,7004.068,7003.94

6306

20212020

(%)(%)

80.01

420.03

90.02

80.01

1,0022.176841.81

60.01

50.01

2021A

51.(e)

202163020201231

(%)(%)

1,3701.494,0725.54

35,42614.4037,33117.22

9650.024770.01

2,8270.141,5080.08

9,6981.308,7891.26

1290.19

40.01

4,5170.086,5960.12

2,6261.901,0480.85

––1130.04

6306

20212020

(%)(%)

5570.364980.341960.351720.29(1,100)(2.38)(2,018)(5.00)

330.08

650.17

340.27

40.04

2021A

52.

(a)

╱

2021113,753–3,753

–114114–(114)(114)

(52)–(52)

20216303,701–3,701

202163020206306

53.

(a)

202163020201231

2021630

85,10194,282–179,383179,383

–34,671–34,67134,6712,8341,3399655,1385,138155,923––155,923155,92364––6464

243,922130,292965375,179375,179

2021A

53.(a)

20201231

63,45399,916–163,369163,369

–37,663–37,66337,6633,0962,6911,4427,2297,229136,832––136,832136,832

34––3434

203,415140,2701,442345,127345,127

(b)

20216302,643,892202012312,445,6442021630800,22020201231717,4892021630169,76420201231158,575202163020,1542020123148,89820201231

20216302,061202012311,225

202163065,876202063066,234

2021A

53.

(b)

202163061,43420206306773

2021630642320206306350

2021112021630654,61620206306613,670

54.

1(2008)

6306

20212020

55.

2021A

1.

[2013]33

125,220

2a71,0162b98,4522c392,833

3a67,4913b9,51640–5–6664,5287–89,95393,990102911(19)12–13–14–157016–17–18–19–

2113,896

2021A

15%–23–

25–26a21026b–26c–27–2828,12929636,3993084,0543134,0653249,98933–34–35–3684,05437–38–39–40–41a–41b–41c–42–43–4484,05445+720,453

1.

2021A

4624,170474,170481,64449–50110,51351136,32752–53–54–55–56a–56b–56c–57–58136,32759+856,780605,350,4416111.89%6213.47%6316.01%

652.50%

660.00%

670.00%

686.89%695%706%718%7219,5957315,411

7565,029

1.

2021A

78239,69279110,51480–81–82–83–84–85–202162014411.40%

13.07%15.73%766,1944,872,32820216

10.46%11.84%13.38%814,1796,086,16920216

9.91%11.35%12.90%723,5925,609,011

1.

2021A

1.

11,85211,852

3,6023,602558,433558,433123,451118,819253,003253,003334,278333,3455,154,0305,153,722474,776425,15731,69031,6901,084,2141,083,637

565,665565,356 7,0316,868

21,89615,52875,01674,99313,45713,438

1,5371,5899,1439,0829,9549,95379,86679,86172,99272,8708,885,8868,822,798

2021A

304,116304,116766,992766,992169,124174,822122,143102,8116,018,9456,019,844

72,67338,80537,31537,027428,718422,90820,19519,52222,16021,9921,228906118,305115,644

6,7696,76913,74813,73021,88721,8878,124,3188,067,77525,22025,22084,05484,05467,52367,4919,6439,51671,15871,01698,45298,452398,825392,833

6,6936,441761,568755,023

1.

2021A

1.

9,953a9,082b 4,854c

–d 238e

25,220 25,220f –g

67,491h

11,033i

(19)j

(1,498)k

71,016l

98,452m392,833n422,908 24,170o

125,220f2a71,016l2b98,452m2c392,833n3a67,491h89,953a-d93,990b-c-e4624,170o

2021A

1.

26000360396804614360028182801520280233╱

6╱╱╱╱╱╱╱

870,22831,6736,59727,46820,00049,989920,6294,5911,00027,50020,00050,000

1120023272006922201710252017121320181119202079

1320281119

1555

2021A

1655

17╱

4.40%4.81%

4.65%

3.95%

2017324

H

2017324

A

1.

2021A

25(1)

(2)

(1)(2)

1.

2021A

2.

2015201541

2021

20201231

8,885,8868,361,448(63,088)(48,399)––(5,742)(18,274)37,39045,0941,250,2361,079,726(28,129)(24,569)

10,076,5539,395,026

2021

20201231

8,457,7637,983,402(28,129)(24,569)8,429,6347,958,83310,35914,08015,58914,918––––

––––––

25,94828,998

2021A

2.

2021

20201231

333,345282,375––37,39045,094––370,735327,4692,566,7992,368,667(1,316,563)(1,288,941)1,250,2361,079,726720,453694,18410,076,5539,395,026

7.15%

7.39%

3.

2021

138.24%11.51

2021144.06%20212021

1,145,378

22,291,462203,9303 504,31925,2164 1,787,143178,71453,867,8061,336,5256 2,392,186595,7097 1,449,241714,4378 26,37926,379916,266101,638,873394,84211 321,123321,12312 ––13 1,317,75073,7191474,25674,256157,081,601105,722

2,131,541

2021A

17286,630286,216181,066,428685,46819338,301331,301

1,691,3591,302,985

1,145,378

828,556

(%)138.24%

1) 91

2)

4.

2021

120.68%0.77

2021630

<66-12≥1

1752,791––20,000772,7912 741,091––20,000761,0913 11,700–––11,70041,824,662598,63430,5133,4712,239,2915 545,3922,33011583520,5286 1,279,270596,30430,3983,3881,718,76372,737,1261,986,786273,739259,5672,381,0478 2,446,813–––1,223,4069 290,3131,986,786273,739259,5671,157,64110–––––1172,52884,41556,585139,742102,92912 65,10613 72,52884,41556,58574,636102,929

5,496,058

3.

2021A

4.

2021630

<66-12≥1

15146,6201667,5824,898––36,2401778,8792,251,3071,045,2053,214,1524,021,869

–297,045–––

259739,894228,95423,029293,086

–1,086,457767,3641,750,1782,377,97621 35%–135,38596,244182,928234,71722 –36,01029,2911,270,5001,110,79823 35%–––––

78,62091,90119,596170,445240,00925–––––2613,33865,86122,71494,964151,39127 ()3,6003,060

14612429 57,841–30 65,42513,08531 9,73865,86122,71436,977135,122328,899,036198,199

334,554,319

34(%)120.68%

2021A

4.

2021331

<66-12≥1

1753,895––20,000773,8952 742,195––20,000762,1953 11,700–––11,70041,771,918608,82825,8062,7442,195,7345 539,6802,08710874514,8556 1,232,238606,74125,6982,6701,680,87972,585,7611,781,549503,285273,7782,388,0208 2,294,382–––1,147,1919 291,3791,781,549503,285273,7781,240,82910–––––1137,94449,36825,903194,613132,61812 74,94713 37,94449,36825,903119,666132,618145,490,267

15208,1031654,7738,488––31,63017118,9002,042,3141,145,4123,158,4954,017,738

–165,672–––

21,120625,745297,42420,664291,256

–1,122,836782,5461,715,2692,373,39221 35%–142,743108,951186,387246,99822 –35,47329,5271,244,1811,088,250

2021A

2021331

<66-12≥1

23 35%–––––

97,78092,58835,915178,381264,84025–––––2614,37353,59721,95984,090119,60527 ()4,4483,781

17114529 68,448–30 75,86015,17231 9,92553,59721,95915,471100,507328,912,478201,618

334,578,694

34(%)119.91%

1)2)

3) 30

4.

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